He is the author of 13 books including Uncommon Sense, the Spiritual Chocolate series, Grandpa's Store, Minister's Guidebook insights from a fellow minister. His column is published weekly in over 600 publications in all 50 states. The views expressed are those of the author and are not necessarily representative of any other group or organization. We welcome comments and views from our readers. Submit your letters to the editor or commentary on a current event 24/7 to editor@oursentinel.com.
Many years ago I took out a second mortgage on my home. The house had grown in value and had at least $30,000 of equity. At that time, I had multiple reasons. The second mortgage added a second monthly payment to my already very tight budget. I made both the original payment and the second mortgage payment for a couple years until I was able to refinance both loans into a ten-year fixed interest rate loan. Fortunately, I was able to pay off the ten-year loan in about six years.
Let me hasten to say I would never want to do a second mortgage on my house again. Looking back, it was a bad financial decision. This type of loan is an option if you are in dire straits. At the time, I thought It was something I needed to do and it worked out.
My bank did ask what I wanted the money for and I told them my numerous reasons. Essentially, they didn’t care. They only cared that I had the financial ability to pay it back. They cared if my property was valuable enough to cover their costs if I defaulted on my loan. They wanted to verify my income, any other loans, and review my previous three years of income tax reports.
After the deal was made, I didn’t hear anything from the Attorney General or any federal judges about my loan from the bank. No one hounded me about my interest rate or the fixed number of years I would pay back the loan. The arrangement was made between my lending institution and me. It wasn’t anyone else’s business.
Let’s say I determine my house today is worth a million dollars. It’s not, but I can say it is based on what it means to me.
Anyone can value their property for whatever they think it’s worth. Let’s say I go to the bank and want to borrow $600,000 against my one-million-dollar house. At this point the bank has to begin their process of determination. They will do an appraisal of my house. They will then look at my income and any other assets. They will determine if they think the loan is in their favor to make.
If in reality my house is only worth $400,000 then they may say we can’t loan you the $600,000 but we can loan you $200,000. It then becomes the decision of the lender as to how they want to proceed with the loan and how much they want to loan. If I falsify my financial records in order to get the loan then that becomes problematic. If the lender does a good job in verifying the value of the property, there shouldn’t be a problem.
If the lender for some unlikely reason determines to loan me the $600,000 because I’m a good customer and they like me, then the deal is between the lender and me. Can you imagine a judge or Attorney General saying they don’t like your loan arrangement?
Are the lending institutions after Donald Trump? No. If they think he has done something bad or they aren’t receiving their money they will go after him. The most recent national courtroom scene in NYC is another political sham.
He is the author of 13 books including Uncommom Sense, the Spiritual Chocolate series, Grandpa's Store, Minister's Guidebook insights from a fellow minister. His column is published weekly in over 600 publications in all 50 states. The views expressed are those of the author and are not necessarily representative of any other group or organization. We welcome comments and views from our readers. Submit your letters to the editor or commentary on a current event 24/7 to editor@oursentinel.com.
Is Senator Mitch McConnell too old to serve in the United States Senate? The same question is being asked of California U.S. Senator Dianne Feinstein, President Joe Biden, and even former President Donald Trump. How old is too old?
Some people are old and sickly by the time they are fifty or even younger. Some people are robust and very active at age 80. McConnell is 81, Feinstein is 90, President Biden is 80 and Trump is 77.
He is the author of 13 books including Uncommom Sense, the Spiritual Chocolate series, Grandpa's Store, Minister's Guidebook insights from a fellow minister. His column is published weekly in over 600 publications in all 50 states. The views expressed are those of the author and are not necessarily representative of any other group or organization. We welcome comments and views from our readers. Submit your letters to the editor or commentary on a current event 24/7 to editor@oursentinel.com.
Are President Joe Biden and former President Donald Trump too old to be President of the United States?
The answer to this question varies and depends on your perspective.
This perspective hinges on your expectations of America’s President. Should he or she be able to run up steps? What about walking down the steps from Airforce One without looking down? This is a good trick.
We have to be careful about hanging a number on the maximum age to serve as President. Eighty may be too old, but maybe it’s not. I heard Billy Graham preach when he was 80 and he came on the stage talking and preaching like a dynamo. There was nothing inarticulate or incoherent about him. There are millions of eighty-year-old plus people in this nation who live very active lives and have a lot to contribute to our country.
However, we have to be realistic there are millions of 80-year-old American’s who are barely alive, their health is terrible. Many cannot care for themselves let alone care for a nation. Furthermore, there are also millions of Americans between 36 and 70 who are not mentally or physically healthy enough to hold down the world’s number one job.
Each individual must be evaluated by each American. We have to look at all of the candidates circumspectly. Do they have the experience? Do they have the knowledge and skills. Are they articulate. Does the candidate demonstrate leadership skills that we need to lead this country forward to better times? Will the candidate be a strong presence on the world stage and be a peace maker and leader?
Seventy million Americans do not want a President who is going to cut Social Security or Medicare benefits. Millions of Americans over 50 do not want the Social Security retirement age raised from 67 to 70. No one in this age bracket is going to support a candidate who infers either of the changes. The full benefits age should never have been raised from 65 to 67. Millions of Americans will pay into Social Security all their lives but never make it to age 67 and thus never collect a penny. Of course, these people can collect a smaller amount if they want to retire at 62 and live on much less money. This is not a viable option for many.
Don’t vote for someone just because they are young and vigorous. Youth is attractive and often charismatic but youth sometimes make mistakes. Don’t vote for someone just because they are 80. Hopefully they are wise and very experienced but may be on the verge of becoming too frail. Look at the whole person. Age is a number. Look at what he or she is able to bring to the job and potentially do to help and lead our nation.
It’s a big decision and don’t make it all about a number.
He is the author of 13 books including Uncommom Sense, the Spiritual Chocolate series, Grandpa's Store, Minister's Guidebook insights from a fellow minister. His column is published weekly in over 600 publications in all 50 states. The views expressed are those of the author and are not necessarily representative of any other group or organization. We welcome comments and views from our readers. Submit your letters to the editor or commentary on a current event 24/7 to editor@oursentinel.com.
In a civil, polite society we shouldn’t run around slapping comedians, politicians, radio or television personalities, or musical performers. The list goes on and includes everyone. Will Smith’s stunt of slapping comedian Chri Rock at the 2022 Oscars was a bad idea. It was only by the grace of God and mainly the grace of Chris Rock that Smith was not arrested or sued. Before this is all over, Rock could still take him to court. At this point in time, it doesn’t seem likely.
On the other hand, it was a bad idea for Chris Rock to use Will Smith’s wife, Jada Pinkett Smith, in a joke that highlighted alopecia, the disease that has been tormenting her.
Diseases and disabilities are issues with which people struggle. The joke angered Will Smith. His feelings got totally out of control as he bounded on stage to slap Chris Rock. While many people understand how Smith must have felt and may have thought Rock deserved it, we still have to restrain ourselves.
I suspect there are people who probably have wanted to slap a politician or two. You can’t do that because you would go to jail. Furthermore, that is the wrong way to conduct our behavior.
What about Vladimir Putin? You couldn’t get by with that in Russia. Regardless of how evil and heinous an individual is, if you slapped him while walking down Broadway in New York City, a policeman would most likely arrest you. This is a far-fetched scenario even though most of the free world is ready for Putin to be totally removed.
If you have been working on your list of people to slap you might as well put it away. It won’t work. You will eventually end up in jail, in court, or both.
We do have free speech in America. People can hurl words freer than hurling punches. Words can and do hurt. There are repercussions if you slander, malign or use your speech against others in a way that “hurts” them. However, television, radio, and political events frequently allow the rhetoric to go way out of bounds.
An idea for us all is to control our tongues and our actions. Most of us have spoken before we thought. We may have reacted in a way without seriously considering the action. Too often a fast mouth or quick action may have brought regret.
There are lessons to be learned from this year’s Academy Awards. Mainly, don’t act like those people.
Dr. Glenn Mollette is a syndicated American columnist and author of Grandpa's Store, American Issues, and ten other books. He is read in all 50 states. The views expressed are those of the author and are not necessarily representative of any other group or organization.
This article is the sole opinions of the author and does not necessarily reflect the views of The Sentinel. We welcome comments and views from our readers. Submit your letters to the editor or commentary on a current event 24/7 to editor@oursentinel.com.
~ John Kenneth Young
St. Joseph
In the United States, more than half of all adults have in our country suffer from one or more chronic diseases that would be preventable proper eating habits and regular exercise. Every five years since 1980, the U.S. Department of Health and Human Services (HHS) and U.S. Department of Agriculture (USDA) has published the Dietary Guideline for Americans to help citizens adopt and maintain a healthier diet and lifestyle.
Primarily intended for policymakers, nutrition educators and healthcare providers, the report outlines steps to help people improve their overall eating habits.
In the latest report, there are now new national guidelines designed for the unique nutrition needs of pregnant women, lactating moms, infants and toddlers.
One of the key takeaway in the report is how important eggs are as a first food for infants and toddlers, as well as for pregnant women and lactating moms. As a vital source of nutrients for people of all ages, eggs provide several key nutrients important for babies during the time in which their brains are most rapidly developing.
Choline, a nutrient found in large quantities in eggs and now a recommended first food for babies to reduce risk for an egg allergy, has now been recognized as important for brain health.
"Understanding the importance of nutrition in the first years of life builds a foundation for lifelong health and prevent chronic disease."According to the American Egg Board, just one large egg provides the daily choline needs for babies and toddlers, and two large eggs provide more than half of daily choline needs for pregnant moms.
The report notes that between 4-6 months of age and when a baby is developmentally ready introducing "potentially allergenic foods" like eggs, peanuts, shellfish and soy products with other complementary foods is a good idea. Authors say there is "no evidence that delaying" adding allergenic foods to an infant's diet will prevent the development of a food allergy. In fact, it may also help reduce the risk of one.
"The new Dietary Guidelines for Americans confirm what the science has shown: eggs provide critical nutritional support for brain health, and they play a crucial role in infant development and prenatal health," said Emily Metz, president and CEO of the American Egg Board. The AEB is the U.S. egg industry's national commodity marketing board whose mission is to increase demand for eggs and egg products through research, education and promotion. "With 90% of brain growth happening before kindergarten, eggs help make every bite count, especially when babies are just being introduced to solid foods."
Gerber Products Company, a leading company in infant nutrition founded in 1928, says understanding the importance of nutrition in the first years of life builds a foundation for lifelong health and prevent chronic disease.
"These new Dietary Guidelines are a tremendous step in the right direction to set up moms and babies for long-term success in their health," said Dr. Erin Quann, Registered Dietitian, head of Medical Affairs at Gerber/Nestlé Nutrition. "At Gerber, research such as our Feeding Infants and Toddlers Study (FITS) informs everything we do – from the products we make, the nutrition education we deliver and the services we offer. We are thrilled to see this science-based approach to baby's nutrition take a more prominent place within the Dietary Guidelines for Americans."
One of the recommendations is for approximately the first 6 months of life, infants should feed exclusively on breast milk and continue to feed on mother's milk through at least the first year or longer, if desired. When human milk is not available an iron-fortified infant formula is the next best thing.
The diets of infants and toddlers should avoid foods with little nutritional value and large amounts of added sugar. Sugar-sweetened beverages like fruity drinks for babies and toddlers should be avoided.
The report also points out that during the second year of life children continue to have high nutrient needs from small amounts of foods. Toddlers should consume a variety of nutrient-dense fruits, vegetables, whole grains and dairy products like cheese, milk and yogurt. High protein foods, including lean meats, poultry, eggs, seafood, nuts, and seeds are also recommend to promote healthy early development.
"From Gerber infant cereals fortified with iron, to nutritious meal and snack options with fruits, veggies and whole grains, and even beverages made without added sweeteners, Gerber has long been developing products that make every bite count," said Sarah Smith-Simpson, principal scientist at Gerber. "The release of these new Dietary Guidelines reinforces our mission to establish healthy eating habits right from the start. Gerber will continue our work to advance research and high-quality products that further support baby's dietary needs."
September 29, 2020, was just another bad day in 2020.
We thought that with Covid-19, unemployment, and riots in the streets of America's cities it could not get worse. It did.
Joe Biden, Donald Trump and Chris Wallace gave us a "show?" we will never forget.
Our leaders used to make us proud. We grew up wanting to emulate people in high places who inspired us with their remarkable lives. We watched how they conducted themselves, communicated and chose their words wisely with dignity, diplomacy and grace. This doesn't happen anymore in America.
Tuesday's debate was just another plummeting example of how badly and poorly people can act in America. Biden and Trump are supposed to be our two best men running for the highest office in America. Chis Wallace works for one of the biggest networks in the world. Instead we saw a production of America's scariest video, Heehaw gone crazy or bigtime wrestling Covid-19 style.
We've been on this track now for too long. The debates have gotten worse and worse. They have been more and more out of control. They have turned into 90 minutes of rudeness, name calling, hollering and mud throwing. Our children are watching and learning.
Where did we lose civility in our nation?
Did we ever have it? Is this just the way America has always been at heart and now we feel free to be who we really are? Rude, crude and ignorant?
The Beverly Hillbillies had far more class than we saw Tuesday night. They may have been uncouth and backward but they didn't treat people badly.
We've become scary in how we talk to and treat others in this country, starting with our national leadership and media. We have a nation of people who are quick to give you the middle finger on the highway, honk their horns at you on the road until you get out of their way and knock you down on the sidewalk rather than scoot over and give you some space to walk by.
Today, in America, we are name callers. We feel entitled to everything everyone else has without working for it. We expect to be treated with respect and dignity while we act like buffoons. Words and phrases such as "please, thank you, excuse me, may I, yes ma'am and yes sir," have been tossed out of too many windows. Therefore, we are now reaping what we sowed.
People feel like they have the right to treat others badly because of color or background, while others feel entitled to destroy and burn down our cities from Baltimore to Portland. We have a nation of people who believe they can do anything they want regardless of how others might be affected. This is one reason we can't defund the police. However, some of the procedures of the police must be revamped.
Be warned another debate is coming soon. Candidates should be allowed one- and two-minute response times to questions and to respond to statements. At these one and two-minute intervals the microphone should automatically be silenced so the next candidate can fairly respond with the same time limits. There has to be a fair civil way to conduct and present a Presidential debate. We need to see and hear one.
We are desperate to get this nation back together, one people, under God, united, with liberty and justice for all. We have to see some of this in this next debate and it has to come from the moderator, President Trump and former Vice President Biden.
Dr. Glenn Mollette is a syndicated American columnist and author of American Issues, Every American Has An Opinion and ten other books. He is read in all 50 states. The views expressed are those of the author and are not necessarily representative of any other group or organization.
This article is the sole opinions of the author and does not necessarily reflect the views of PhotoNews Media. We welcome comments and views from our readers.