I received this e-mail the other day and the lies and fear that she is spouting just ticked me off...Feel free to bombard her website/e-mail/phone with whatever you would like

Quote:TO SEASIDE HIGHLANDS RESIDENTS:
On November 3rd, please vote for Dr. Margaret-Anne Coppernoll, Democrat, for Monterey Peninsula College (MPC) Area 2 Trustee
The foreclosure crisis has hit hard, especially in Seaside Highlands. Real estate equity has plummeted due to Republican deregulation which allowed banks to make predatory ARM loans, whose payment triple long after your loan broker has pocketed the commission and left you holding the bag. Democrats, it's time to take back our country, one step at a time.
As Seaside Highland residents, you reside in Area 2 of the Monterey Peninsula Community College District. Please make your voice heard -- on November Third -- for better community education about finance.
Did your son's/daughter's college fund evaporate due to this Bush/Republican/"free market" recession? I will advocate for academic excellence at MPC.
Please help Dr. Coppernoll help local higher education. Dr. Coppernoll needs your help against her well-financed Republican opponent. Vote for the only candidate with a doctorate, who will support public higher education -- not for her Republican opponent whose party prioritizes prisons over public higher education!


Qualifications
I am a retired Army colonel, and the ONLY candidate with a doctorate. My qualifications are:
Ph.D., University of Southern California; Postdoctoral Fellow, U.C.L.A; M.A., Montpellier University (France); M.A., Fletcher School of Law/Diplomacy (Tufts University); U.S. Army War College; Professor: U.S.M.A., West Point and Georgetown University.
Margaret-Anne's website
Candidate's Statement
I am a longtime resident of the Monterey Peninsula and Marina, I value serving our community by serving on; Monterey County Mental Health Commission, District 4; James Foundation for Alternative Behavioral Recovery (CEO); Marina Economic Development Commission (spearheaded Marina Business Ambassador Program); MPC Foundation. Military expertise in personnel management, strategy, plans, policy, and budgets.
________________________________________
Experience:
My experience in the military and academic worlds, and service on County and City of Marina commissions, gives me multiple perspectives in our expanding city, with its new and growing MPC campus. I’ve forged strong bonds with MPC faculty, staff and students in the lifelong learning program, and know the inner workings of this important learning center and its dedication to excellence.
________________________________________
Contact Me!
Feel free to contact me at 831-384-7881.
Email: Coppernoll4trustee@att.net
Website: http://coppernoll4trustee.com/ or
http://www.smartvoter.org/vote/margaret-anne_coppernoll
VOTE TUESDAY, NOVEMBER 3rd
________________________________________
Campaign Information:
If you’d like to help with the campaign, please contact David Brown, Campaign Manager at 831-883-1958. Donations are gladly accepted and may be sent to:
Coppernoll for MPC Campaign Committee
436 Diana Place, Marina, CA 93933
FPPC # 1320946, David W. Brown, Treasurer

As a Trustee, I will ensure:
>that Marina’s MPC Education Center curriculum is innovative, representing your educational/vocational needs;
>that its future facilities are built with sustainable technology;

>that its opportunities reflect our diversity,
>that its opportunities reflect our diversity, with outreach to draw people from other cities to participate in Marina’s culture and businesses.

VOTE TUESDAY NOVEMBER 3rd






NOTE: This campaign obtained your email address from the Monterey County Elections Department pursuant to state law requiring its use for political campaigning only. Your email address will not be used for any other purpose or disclosed to third parties. If you do not wish to receive email from this sender, please reply, typing "UNSEND" in the subject line. Thank you.

After I sent a response to her e-mail, I did thank her for her service in the army.

Edit...sorry for the poor formatting. It just won't copy and paste well. If you would like me to forward the actual e-mail on to you, PM me your e-mail address.

.

I just fell to pieces over the statement that "Democrat American's Need to Take Back Their County" .....

After that brained burned assertion I just lost all sense of reality.

Talk about "L U N A T I C" ........ geeeeeeeeeze !!!!!!!!

.

She blames republicans for the mortgage crisis? That was caused by democrats who wanted to see people making $10.00 per hour living in a $500,000 home.

Gray, I hope you have better candidates up there.

Now that is funny.

send her a link to some Thomas Sowell columns on the Real Estate market in California, which he has wrote on for years and why it cost so much.

His book, from what I've read, is as good a summary of the Real Estate bust as there is out there.

Any Thomas Sowell book about any subject is going to be about as good a summary of it as you will find.

She can blame who ever she wishes for the losses she is talking about. The fact of the matter is...If you were saving for your child's education using a FTMA account or some other instrument to defer taxes and your account loses value..So what? Unless you needed those funds with the next couple of years...They will recover the losses before you need the cash..We are just talking about "paper losses". If you actually LOST money due to needing it today..Then YOU are a damn fool for being in the stock market knowing that you would be needing those funds in the short term.

If you are going to invest in the market..you damn well better either have disposable income that you can "afford" to lose or you better be in for the long haul and use dollar cost averaging to make your money.

This woman is using the economic situation to try and make a point that should not even be relevant to anyone with some level of financial expertize.
Her PHD must not be in economics or finance.

(09-23-2009 04:18 PM)Fo Shizzle Wrote:  She can blame who ever she wishes for the losses she is talking about. The fact of the matter is...If you were saving for your child's education using a FTMA account or some other instrument to defer taxes and your account loses value..So what? Unless you needed those funds with the next couple of years...They will recover the losses before you need the cash..We are just talking about "paper losses". If you actually LOST money due to needing it today..Then YOU are a damn fool for being in the stock market knowing that you would be needing those funds in the short term.

If you are going to invest in the market..you damn well better either have disposable income that you can "afford" to lose or you better be in for the long haul and use dollar cost averaging to make your money.

This woman is using the economic situation to try and make a point that should not even be relevant to anyone with some level of financial expertize.
Her PHD must not be in economics or finance.

Nope, it's in BS, just like the rest of the politicians.

(09-23-2009 04:06 PM)Owl 69/70/75 Wrote:  Any Thomas Sowell book about any subject is going to be about as good a summary of it as you will find.

Yep

Here is a review I read by a Finanical Advisor(Morgan Stanely President, managed $250 million I think) who lives in SoCal(father was a famous Theologian), that was pretty good I thought.

http://www.davidbahnsen.com/index.php/20...as-sowell/

he's reading all books associated with the 2008 Financial mess, good stuff so far.

(09-23-2009 04:26 PM)GGniner Wrote:  

(09-23-2009 04:06 PM)Owl 69/70/75 Wrote:  Any Thomas Sowell book about any subject is going to be about as good a summary of it as you will find.

Yep

Here is a review I read by a Finanical Advisor(Morgan Stanely President, managed $250 million I think) who lives in SoCal(father was a famous Theologian), that was pretty good I thought.

http://www.davidbahnsen.com/index.php/20...as-sowell/

he's reading all books associated with the 2008 Financial mess, good stuff so far.

I will be happy to teach anyone how to save safely for their child's education without the slightest risk of loss. It is not rocket science...It is called "dollar cost averaging".

Here is the response I received the from this lady's campaign manager...

Quote:Well. Thank you for the thoughtful message. I'm not sure, do you want to take you off our email list? I don't want to send emails to anyone who requests not to receive them. But you don't say that.

Sure, part of the problem is that people who shouldn't have been getting loans were getting them, and maybe some Democrats are responsible for that. Problem is, a lot of those loans were adjustable rate loans offered first at teaser rates with low payments for three years, after which payments double or triple. Loan brokers who earned commissions on these loans had every incentive NOT to explain something like, "Well, your payments could possibly double after three years." To those who understoof that, the brokers would say, "Don't worry! By then, the value of your house will have increased, and you can refinance!"

Pretty much, these predatory ARM loans all resulted in doubled payments at about the same time, resulting in massive foreclosures, then a glut of forclosed properties. Then, prices plummetted, resulting in a runaway positive-feedback loop: Lower values, more people no owe much more than their homes are worth, they stop payments, resulting in even lower home values, and so on. My fiancee was one of the Seaside Highland purchaser victims, and no one really explained the consequences to her.

I know you don't agree, but these ARM loans were set in motion by Republican deregulation. They should never have existed, but they blossomed during 8 years of Bush-era deregulation. What the heck ever happened to fixed-rate loans? Had banks been limited to those only, there might not have been so much upward pressure and inflated home values. Whether you think it's inappropriate for my candidate to make note of it when she's running for an office that has nothing to do with bank policy, I suggest you think about whether the Republican deregulation of the Bush years may have been at least partly responsible for these predatory loans, and whether all the loans going bust at about the same time had anything to do with triggering the housing bust, which in turn triggered the current recession, the worst, ever, since the Great Depression.

David W. Brown
Campaign manager for Dr. Margaret-Anne Coppernoll

any financial advisors on board here? What would a CFP at a firm like Morgan Stanley pull down per year, managing $250 Million in assets? just curious

GB you could tear that lady a new one if you wanted to, however its not going to stop them from repeating that narrative over and over.

I partly blame McCain for this, he dropped the ball big time last year when this all imploded. As far as political rhetoric goes.

(09-24-2009 10:21 AM)GGniner Wrote:  GB you could tear that lady a new one if you wanted to, however its not going to stop them from repeating that narrative over and over.

I partly blame McCain for this, he dropped the ball big time last year when this all imploded. As far as political rhetoric goes.

Don't you just feel sorry for this guy's stupid fiance? She didn't understand how the housing market worked and now her home has lost value. Boo Hoo.

Why does this candidate think their directional school sheepskin is so impressive to us little folk?

Qualifications
I am a retired Army colonel, and the ONLY candidate with a doctorate. My qualifications are:
Ph.D., University of Southern California;

(09-24-2009 10:07 AM)GrayBeard Wrote:  Here is the response I received the from this lady's campaign manager...

Quote:Well. Thank you for the thoughtful message. I'm not sure, do you want to take you off our email list? I don't want to send emails to anyone who requests not to receive them. But you don't say that.

Sure, part of the problem is that people who shouldn't have been getting loans were getting them, and maybe some Democrats are responsible for that. Problem is, a lot of those loans were adjustable rate loans offered first at teaser rates with low payments for three years, after which payments double or triple. Loan brokers who earned commissions on these loans had every incentive NOT to explain something like, "Well, your payments could possibly double after three years." To those who understoof that, the brokers would say, "Don't worry! By then, the value of your house will have increased, and you can refinance!"

Pretty much, these predatory ARM loans all resulted in doubled payments at about the same time, resulting in massive foreclosures, then a glut of forclosed properties. Then, prices plummetted, resulting in a runaway positive-feedback loop: Lower values, more people no owe much more than their homes are worth, they stop payments, resulting in even lower home values, and so on. My fiancee was one of the Seaside Highland purchaser victims, and no one really explained the consequences to her.

I know you don't agree, but these ARM loans were set in motion by Republican deregulation. They should never have existed, but they blossomed during 8 years of Bush-era deregulation. What the heck ever happened to fixed-rate loans? Had banks been limited to those only, there might not have been so much upward pressure and inflated home values. Whether you think it's inappropriate for my candidate to make note of it when she's running for an office that has nothing to do with bank policy, I suggest you think about whether the Republican deregulation of the Bush years may have been at least partly responsible for these predatory loans, and whether all the loans going bust at about the same time had anything to do with triggering the housing bust, which in turn triggered the current recession, the worst, ever, since the Great Depression.

David W. Brown
Campaign manager for Dr. Margaret-Anne Coppernoll

Clearly, this campaign manager has a lot of time on hands if he can sit and compose an email of this length to a person he has obviously lost. Too bad he didn't take the time to research his thoughts or to use a spell checker.