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🇺🇸 California advances 0 down, no payment home 'loans' for undocumented immigrants
The California Senate Appropriations Committee advanced a bill to allow undocumented immigrants to make use of the state’s zero down, no payment home “loan” program, an expansion the legislature says would create “significant cost pressures.”
“The social and economic benefits of homeownership should be available to everyone. As such, the California Dream for All Program should be available to all,” wrote bill author Assemblymember Joaquin Arambula, D-Fresno. “When undocumented individuals are excluded from such programs, they miss out on a crucial method of securing financial security and personal stability for themselves and their families.”
This program allows applicants to secure “loans” of up to 20% of the home’s purchase price — or, about what a typical down payment is — with zero down payment on this state loan, and no payments.
The state’s “loan” can potentially be repaid to the state when the home is refinanced, sold, or transferred, with the borrower paying back the original loan amount plus 20% of any increase in value on the property. It’s not clear what happens if a family decides to hold on to a home as there are no provisions on how long a property can be held for, which means certain kinds of trusts could potentially allow the loan to not be paid back.
This year, 18 thousand individuals applied for the $255 million “loan” program through a lottery, leaving 1,700 lucky winners with up to $150,000 each towards down payment and closing costs.
IN 2006, RESEARCHER CLEVE BACKSTER — THE MAN WHO INVENTED THE CIA'S LIE DETECTOR PROTOCOLS — PUBLISHED 36 YEARS OF EXPERIMENTS PROVING THAT PLANTS, BACTERIA, AND HUMAN CELLS IN PETRI DISHES RESPOND INSTANTANEOUSLY TO HUMAN THOUGHT AND EMOTION — EVEN AT DISTANCES OF HUNDREDS OF MILES. THE SIGNAL IS FASTER THAN LIGHT. IT DOES NOT DIMINISH WITH DISTANCE. IT IS NOT ELECTROMAGNETIC.
In 1966, Cleve Backster was the world's foremost expert on polygraph technology. He had developed the interrogation techniques used by the CIA, FBI, and U.S. military. He understood galvanic skin response — the electrical conductance of biological tissue — better than anyone alive.
One morning, on a whim, he attached polygraph electrodes to a Dracaena plant in his office. He watered it and watched the tracing. Then he thought: "I wonder what would happen if I threatened this plant." He decided to burn a leaf with a match.
The instant he formed the intention — before he moved, before he lit the match, before any ...
Kennedy Starts a Push to Help Americans Quit Antidepressants
Federal health agencies announced a new national effort to reduce psychiatric overprescribing, informed consent, and expanding access to nondrug mental health approaches like psychotherapy, nutrition, and physical activity. https://bit.ly/4vqyFJB
