Great Idea...

I got this email from my sister-in-law and thought it was an excellent idea to this nations financial crisis......



> Hello Everyone


>
>
>
> Dave Ramsey is a respected financial author and radio show host and here is his “Common Sense” plan to solve the current mortgage crisis we are in. If this interests you please forward it to any one you know and encourage them to get it in the hands of our elected officials.
>
>
>
> If you are more interested in who will win the next season of So You Think You Can Dance, and politics isn’t your thing, please send this to someone who may be interested.
>
>
>
> Dave’s “Common Sense” Plan:
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>
>
> The Common Sense Fix
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> Years of bad decisions and stupid mistakes have created an economic nightmare in this country,
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> but $700 billion in new debt is not the answer. As a tax-paying American citizen, I will not support
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> any congressperson who votes to implement such a policy. Instead, I submit the following threestep
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> Common Sense Plan.
>
> I. INSURANCE
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> a. Insure the subprime bonds/mortgages with an underlying FHA-type insurance.
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> Government-insured and backed loans would have an instant market all over the
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> world, creating immediate and needed liquidity.
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> b. In order for a company to accept the government-backed insurance, they must do two
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> things:
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> 1. Rewrite any mortgage that is more than three months delinquent to a
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> 6% fixed-rate mortgage.
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> a. Roll all back payments with no late fees or legal costs into the
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> balance. This brings homeowners current and allows them a
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> chance to keep their homes.
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> b. Cancel all prepayment penalties to encourage refinancing or
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> the sale of the property to pay off the bad loan. In the event of
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> foreclosure or short sale, the borrower will not be held liable
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> for any deficit balance. FHA does this now, and that
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> encourages mortgage companies to go the extra mile while
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> working with the borrower—again limiting foreclosures and
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> ruined lives.
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> 2. Cancel ALL golden parachutes of EXISTING and FUTURE CEOs and
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> executive team members as long as the company holds these
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> government-insured bonds/mortgages. This keeps underperforming
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> executives from being paid when they don’t do their jobs.
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> c. This backstop will cost less than $50 billion—a small fraction of the current proposal.
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> II. MARK TO MARKET
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> a. Remove mark to market accounting rules for two years on only subprime Tier III
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> bonds/mortgages. This keeps companies from being forced to artificially mark down
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> bonds/mortgages below the value of the underlying mortgages and real estate.
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> b. This move creates patience in the market and has an immediate stabilizing effect on
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> failing and ailing banks—and it costs the taxpayer nothing.
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> III. CAPITAL GAINS TAX
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> a. Remove the capital gains tax completely. Investors will flood the real estate and stock
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> market in search of tax-free profits, creating tremendous—and immediate—liquidity in
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> the markets. Again, this costs the taxpayer nothing.
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> b. This move will be seen as a lightning rod politically because many will say it is helping
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> the rich. The truth is the rich will benefit, but it will be their money that stimulates the
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> economy. This will enable all Americans to have more stable jobs and retirement
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> investments that go up instead of down.
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> This is not a time for envy, and it’s not a time for politics. It’s time for all of us, as Americans, to
>
> stand up, speak out, and fix this mess.

She's getting too BIG!!

My Brother-In-Law, Tim, is so rad! He sends me pics of my niece all the time. Here are some of the ones I got that are so cute and I want to share them. Thanks Tim! Keep Em Comin!

Tim says that this is her funny face. This is what she does when you ask her to make a funny face. haha! With her arm up like that and all!


Dani "helping" Tim in the garage



Haha! Look at that face!
Wild Woman hair.

Another funny face picture. I love it!

LOL! I just want to grab her and kiss her, she's so cute!

Tim and Dani.

Thanks again Tim and please send me more..OFTEN!

Bakersfield

On our way home we stopped in Bakersfield. We visited with Grandma Brandt and Aunt Linda. These are pictures that Rob took with them while he was working in Bakersfield earlier that week. I can't find the pictures that we took when we visited. Anyway, it was nice to meet Rob's dad's side of the family.


Grandma and Rob

Grandma and Aunt Linda
Rob, Grandma, and Aunt Linda.

The dumbest "ghost town" ever

When I was younger, one of my favorite things to do was go out on the desert with my dad. We would rock hound, go to topaz mountain, go to ghost towns, or shoot guns. I loved these weekends. We would wake up early and go to the gas station. My dad would buy anything that I wanted. I usually got a slurpee and beef jerky or nachos. He usually got a soda, beef jerky, and a Hersey's chocolate bar with almonds. I have many many good memories doing these type of things with my dad. So....when Joe and Linds came down for Labor Day and the local hot springs was closed for construction or something, I thought we should find a cool ghost town and explore. I figured that Southern Utah had to have some pretty cool ones. Now, I don't have the neat book that shows pictures so I got on the trusty internet. I saw two places. One of which was Silver Reef. The pictures on the internet made it look really cool and the description wasn't lacking either. I picked this one and off we went. The internet lied to me. It was seriously THE dumbest "ghost town"...if you would even call it that. I explored a little, hoping to find something worth looking at and the rest tried to catch lizards (which is something I used to do with my siblings when my dad would take us out). Here is proof of the outing...

The lizard was facing Linds but I am too slow and missed it.

They caught not one, but two!

When we set him (we decided that it was a He) free we put him on the town sign.

Joe and Rob being stealth.

When they caught this one, he was so small and his tail fell off. It was so weird.


Examining the catch.

Lizard and Joe
Rob and Lizard

Lame excuse for a ghost town. You can't see it here but there is a full on neighborhood right next to this. Yeah...a neighborhood with PEOPLE. This is a mine. This town used to mine silver.

Another view of the mine


Rob and Joe
Cacti

Can someone please tell me what is growing on this plant?!?

So next time we have visitors, we are NOT going to a ghost town but to Zion instead to hike Angel's Landing. I have learned my lesson.

Rob once said he would never ride a scooter

Soon he found out that they are fun to ride on...even if they aren't as fast and cool as a motorcycle.


Aaron and Rob going on a scooter ride.

Dumb and Dumber.

Ok so this scooter isn't a two seater..but that didn't stop Joe and Rob.
"I get 70 miles to the gallon on this hog. "

Vegas with Joe and Linds

Me and Rob waiting to get into the buffet. I completely forgot that I had my camera on me so there aren't very many pictures.

Joe and Linds.

Linds...why are you making that face...lol! I told you I was going to put this on my blog. This is us waiting in line.

Brandt brothers...minus 3. You should see all five..they are just as handsome as these two. This family has good genes.

Linds being a dork...I LOVE IT!!

me being a dork!!


I have no idea why joe is doing a pirate face?? Joe and Rob.

Linds and me waiting for the guys to finish getting ready....isn't it supposed to be the other way around?

Strike a pose. Obviously I am not a model....lol

Joe and Linds came down for Labor Day weekend and we hung all weekend long. Since Vegas is only an hour and a half away, we decided to go see a show. We went to La Reve and got a huge discount thanks to Joe's military discount. It was such a good show. Then we went to a really nice buffet and went shopping at the outlet mall. It was so fun to get to hang with Joe and Linds and I hope they come down again so we can go to another show (and this time have Jake and Ash some too!!). So guys lets hit up Phantom of the Opera..???? Let make it a Brandt outing.

Long Overdue

We got back to Utah at the end of August some time. These are pictures from our last night in Fresno and my brother, Garry's birthday party. We miss them SO much!! It has been hard living in St. George away from family. It was way fun for us to get to spend the whole summer with them. Anyway, since we have been back I have been crazy busy with school that I have had no time to blog. Sorry about that. We went up to visit more family in Ogden and Orem and sadly I forgot my camera. I do have pictures on my phone that I might try to put on here. School is going really good. I am VP of the DSNA (Dixie Student Nursing Association) and I think I may have taken on a little too much responsibility. Ha! It will be fun though. We are a service driven club and I am so excited to be involved in our community as a nurse. I am counting down the days until I graduate and we get to move back close to our family. Rob is also going to school fulltime. He is taking some spanish and math classes towards his major. Really, we haven't been doing anything too exciting....so I will leave you with the crazy pictures.



It waws so hard to actually leave. We were trying to get into our car and go but we could tell that they didn't want us to leave. We didn't want to go either.


A lot of these pictures are just us goofing around.


Brianna, Shaunte, Destiny, and Robyn (bottom to top).


Michele and I ..with Bri's mouth lol


Garry Jr. bench pressing Brandyn. I laugh everytime I look at the faces in these pictures.

We tried to get one with just the adults. You can see that we had a photo poacher.

Garry (toasted ha!) and Garry Jr,

Rob, Garry, Garry Jr., and Brandyn


Garry, Rob, and Garry Jr.

Courtney and Rob



The twins, Daryen and Destiny.


Me and Rob

LOL Garry and Rob

Wow...lol everyone was going crazy for the camera.


One with more people in it...
Courtney, Garry Jr...and Buhdda in the backgroup in his spiderman undies.. hehe


Robyn, Rob, and Michele. Seriously, every Sunday we would have this HUGE feast. My brother is the BEST cooker of meat!!


Shaunte and Desi. I love these girls! Desi cracks me up, she can't smile without winking the one eye. lol


Bryson cut off all his hair!! Doesn't he look so handsome!

Robyn and Garry Jr....poor Bri kept getting cut off in pictures. hahah!


Michele and D


My laptop crashed this week so I am doing all this on the Mac. I usually go through the pictures and correct the red eye and such but didn't this time. It is so much easier to use my laptop to do that so I just decided to forget about fixing the pictures. Hope you all still enjoy. Oh and I am not spell checking this either so just deal with it...LOL