1

Travel to US

2

Go to heaven

3

Write a fiction book

4

Go sailing with a celebrity

5

Take ballet dance

6

Have a make over - enlarged breast

7

Make 550 new friends each year

8

Take a nap on a Saturday afternoon

9

Have a complete body massage, facial, manicure, etc

10

Go to Disney Land

11

Learn to fly fish

12

Memorize the whole Bible in one year

13

Turn into a bird for a day and fly around the world

14

Read a new book every month

15

Ride a horse or donkey

16

Drive a convertible

17

Go to Alaskan cruise

18

Learn to snowboard and join a competition

19

Lose 120 pounds - lost 26 so far

20

Fly a parachute

21

Learn Greek

22

Apply for a Reality TV show

23

Sail around the world in 90 days

24

Swim in ocean - though I am scared of moving water

25

Learn how to ride a bike

26

Call my mom every week, even though it is expensive

27

Watch ‘The Price is Right’ daily

28

Buy  a home

29

Graduate from college

30

Own a Volvo 245 DL (diel)

31

Write a book about my life

32

Work with the homeless every weekend

33

Meet US President

34

Get a PhD

35

Secretly contribute to a family in need

36

Get married and remarried

37

Have ten children

38

Go on a family vacation in Hawaii

39

Own jewelry

40

Have my nose done like Michael Jackson’s

41

Eat Sushi (raw fish)

42

Join Nas car race

43

Make new friends weekly

44

Keep old friends for years

45

Be a supportive to others

46

Be a foster parent and adopt 4 children

47

Learn 10 languages + 7 that I already know

48

Learn how to play guitar

49

Be – light, salt of the earth

50

Just be ME

Ok, it is not midnight yet, though it is 9:00 am in Kenya, so technically, I am already 50 yrs. I cannot believe that I have lived for a half a century. I was 30 yesterday, well, time goes fast, it is what we do with that time that matters!  I have accomplished some of the 50 things, some I will before I reach 100 yrs. My grandmother lived to be 105 yrs. I am estimating 101 yrs for ME.

Whatever your answer, being faithful, honest and truthful is the best way to live a decent life and avoid MSP. Don’t forget that those who believe in God have room for forgiveness. David’s earnest prayer after all these mess is found in Psalm 51:1-15 “ Be merciful to me a sinner”..,

Thought for the day: which of these have greater consequence(s) Infidelity, embezzlement of money, or misuse of power?

In its annual look at mortgage practices among lending institutions, Federal Reserve said the denial rate for all home loans was about 32 percent last year — about the same as in 2007, but up from 29 percent in 2006. The denial rates for blacks and Hispanics were more than twice as high as the rate for white borrowers.

The report highlights massive changes in the lending industry after the housing market bust. Overall loan applications were down by a third from a year earlier, and were half the level in 2006.

Loans backed by the Federal Housing Administration soared to 21 percent of all loans made last year from less than 5 percent in both 2005 and 2006.

For black borrowers, more than half of all loans were FHA-insured, more than triple a year earlier. For Hispanics, that number shot up to 45 percent, more than four times as high as in 2007. That was troubling news for consumer advocates.

“I’m hard-pressed to believe that many of those borrowers couldn’t have been served by the private sector,” said John Taylor, chief executive of the National Community Reinvestment Coalition, a consumer group in Washington. “It implies that the industry has shut down in serving this population.”

High-priced loans with rates at least 3 percentage points above the rate for prime loans, shrunk to nearly 12 percent of the market from a high of 29 percent in 2006. But that figure mainly reflects unusually low interest rates during the recession, the report said, and understates the disappearance from the market of high-priced subprime loans made to borrowers with poor credit.

Last year, about 17 percent of blacks and 15 percent of Hispanics got high-priced loans, compared with about 7 percent of whites. Even controlling for factors that might widen that discrepancy, there still a gap of almost 8 percentage points between the number of blacks and whites who got high-cost loans.

The mortgage industry says lenders are not discriminating by race, and are making adjustments based on borrowers’ risk profile — such as their credit score and the size of their down payments.

“You still have a certain degree of risk-based pricing in the market,” said Jay Brinkmann, the Mortgage Bankers Association’s chief economist.

Lenders also scaled back dramatically on the amount of so-called “piggyback” mortgages, in which borrowers used second mortgages to avoid making a 20 percent down payment. Those loans have virtually disappeared from the market: Only 98,000 were made last year, down from 1.3 million annually in 2006. Courtesy Associate Press.

The data, collected from nearly 8,400 lenders, is required under the Home Mortgage Disclosure Act of 1975.

The congressionally mandated Diversity Immigrant Visa Program is administered on an annual basis by the Department of State and conducted under the terms of Section 203(c) of the Immigration and Nationality Act (INA). Section 131 of the Immigration Act of 1990 (Pub. L. 101-649) amended INA 203 and provides for a class of immigrants known as “diversity immigrants.” Section 203(c) of the INA provides a maximum of 55,000 Diversity Visas (DVs) each fiscal year to be made available to persons from countries with low rates of immigration to the United States. Check more detail at http://www.dvlottery.state.gov  Diversity Visa Program