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NRA University: How the Gun Group Trains Activists

Adrees Latif / REUTERS

A woman takes aim with a Beretta shotgun at an exhibit booth at the George R. Brown convention center, the site for the National Rifle Association's (NRA) annual meeting in Houston, Texas May 5, 2013.

Past the oil painting of Ronald Reagan and the picture windows with views of the barges churning up the Mississippi, a group of gun-rights activists is going back to school. The class filing into a conference room for a lecture on the constitutional right to bear arms?is mostly older, nearly all white, and filled with freedom-loving fervor.

This is NRA University, a crash course in the facts and fallacies of the gun debate, as defined by the lobbying powerhouse that is shaping it. The NRA often holds these seminars for college kids. This event is an abbreviated version, a one-hour PowerPoint for attendees of this weekend?s RedState gathering in New Orleans, where a few hundred conservative activists gathered at a hotel on the edge of the French Quarter to network and commiserate.

Miranda Bond, an energetic NRA grassroots coordinator in a black dress and heels, is the confab?s instructor. Her audience sits rapt. Near a pair of prim grandmothers scrawling notes is a man in a black T-shirt with a logo of two crossed guns inside the mouth of a skull. Up front, a middle-aged woman in a leopard-print top is telling a joke whose punch line involves Hillary Clinton and a bicycle.

Bond?s presentation was a sermon for the converted, stripped of context and countervailing argument. But it offered a window into how the NRA is waging its ongoing fight to prevent Congress from curtailing gun laws. Here are some of the main points:

The NRA is not the gun lobby.?

?That is the exact opposite of what we are,? says Bond, a four-year NRA veteran. ?We are the oldest civil rights lobby in the country. A lot of people don?t give us that credit.? The organization was formed in New York state in 1871 in response to the lackluster marksmanship of the Union Army. But it?s impossible to deny its lobbying clout. The session Bond was teaching was sponsored by the NRA?s Institute for Legislative Action, which is the NRA?s lobbying arm. The organization spent some $24 million in campaign contributions, lobbying and outside spending in 2012. And much of Bond?s talk focused on why the NRA?s lobbying efforts are calibrated for maximum effect, down to the trademark orange cards it disseminates to members.

Words matter.

The English language is a strategic battleground in the war over gun control. Media, Bond tells attendees, are masters at devising buzzwords that twist the truth. ?They use all kinds of terms to make us scary,? she says. Take the phrase high-capacity magazines. The better term, Bond explains, is standard capacity, because these magazine are ?very common. They?re what people use. So they?re standard ? not high-capacity.? Or consider universal background checks. Such a thing cannot possibly exist, she posits, because criminals won?t comply. ?There?s no such thing,? Bond says, so we shouldn?t use the term. Wittgenstein might cringe, but the audience nods knowingly.

Guns are not nearly as dangerous as the media suggests.

Forget the hazards of operating an automobile. You are more likely to be killed by someone?s hands or feet, or by a club or hammer, than to succumb to rifle gunshot, the audience learns. Assault weapons, which the NRA considers a liberal smear term, are used in less than 2% of all crimes. As gun ownership climbs, violent crime has fallen.

Michael Bloomberg is the big NRA bogeyman.?

The mere mention of the New York City mayor?s name drew a chorus of boos. The class rumbled angrily during a video clip that assailed Bloomberg?s organization, Mayors Against Illegal Guns, for reciting the name of deceased Boston bomber Tamerlan Tsarnaev during an event in New Hampshire to mourn victims of gun violence. (The group later apologized.) Bond cited a Bloomberg fundraiser for West Virginia Senator Joe Manchin to suggest that the Democrat?who holds an A rating from the NRA but recently crafted the background-check deal that died in the Senate this spring?had defected to the dark side.

Bloomberg wasn?t the only politician targeted during the session. There were video clips mocking Vice President Joe Biden, and snippets from an interview of New York Congresswoman Carolyn McCarthy, a gun-control crusader, dodging questions in a way that made clear she did not understand the fine points of firearms. ??If you are legislating things that affect our lives, you should know what you?re talking about,? Bond says. On the other hand, McCarthy knows plenty about what guns can wreak. In 1993, her husband was killed, and her son severely injured, when a deranged gunman opened fire on a Long Island commuter train.

The NRA sees young voters as a source of growth.

Bond says the NRA?s best chance to expand is to target young voters. She bemoaned President Obama?s digital supremacy, citing his dominance of Romney in the realms of Facebook likes and Twitter retweets. ?Obama is kind of the JFK of our generation,? she says. ?JFK learned how to use TV. Obama learned how to use social media.? Few in the class looked like digital natives, but Bond?s pitch was sinking in. ?We?ve got to educate our children,? says Robert Stevens, a retired home builder from Mississippi, ?and explain to them that the NRA is about supporting civil rights.?

Source: http://feedproxy.google.com/~r/time/topstories/~3/f5V9wQwf75Q/

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Japan?s Troops Long Way From Hitting the Beaches, Experts Say

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Source: http://www.myantiwar.org/view/260699.html

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10 Common VA Loan Questions Asked By U.S. Home Buyers And ...

As the U.S. economy expands, so do the mortgage choices available to today?s home buyers and refinancing households.

For those meeting eligibility requirements, though, the optimal loan choice is often the VA loan. The VA loan allows 100% financing, never requires mortgage insurance and allows lenders to use flexible underwriting guidelines which makes it easier for you to get to your closing.

If you?re shopping for a loan and considering the VA loan option, here are the answers to 10 popular VA loan questions.

Click here to get today?s VA mortgage rates.

1. What Is A VA Loan?

A VA loan is a special type of home mortgage that?s backed by the federal government, specifically the U.S. Department of Veterans Affairs (VA). VA loans offer attractive terms and guidelines because the VA guarantees repayment of a portion of the loan to the lender even if the borrower defaults. Made possible by the G.I. bill in 1944, VA loans are intended to help active-duty military servicepersons, veterans and others who are VA-eligible buy a home.

The VA loan is another way the nation recognizes your service.

2. Who Is Eligible For A VA Loan?

Not only veterans, but also other classes of military personnel are eligible for VA loans. The list includes active-duty servicepersons, members of the National Guard, Reservists, surviving spouses of veterans, cadets at the U.S. Military, Air Force or Coast Guard Academy, midshipmen at the U.S. Naval Academy and officers at the National Oceanic Atmospheric Administration.

A minimum term of service usually is required.

3. Do I Need A Downpayment To Get A VA Loan?

Most home loans require at least a small downpayment. VA loans are an exception.

Instead of making a downpayment, the VA lets you finance up to 100 percent of the purchase price of the home you want to buy. And you never have to pay for mortgage insurance. Borrowers who get a conventional loan or an FHA loan, insured by the Federal Housing Administration, typically must pay an extra amount every month for mortgage insurance if they make a downpayment of less than 20 percent.

4. What Type Of House Can I Buy With A VA Loan?

A VA loan can be used to buy a detached house, condo, new-built home, manufactured home or duplex, triplex or four-unit property or to refinance an existing loan for those types of properties. The VA also lets you borrow an extra sum to make repairs or improvements to the home or make it more energy-efficient.

Click here to get today?s VA mortgage rates.

5. Can I Use A VA Loan To Buy A Home In a Foreign Country?

No, you cannot use a VA loan to buy a home in a foreign country. Only homes located in the United States or a U.S. territory or possession, such as Puerto Rico, Guam or the U.S. Virgin Islands, are VA-eligible.

6. Can I Use A VA Loan To Buy a Rental Property?

No, you cannot use a VA loan to buy a rental property. You can, however, use a VA loan to refinance an existing?rental home you once occupied as a primary home.

For home purchases, in order to obtain a VA loan, you must certify that you intend to occupy the home as your principal residence. If the property is a duplex, triplex or four-unit apartment building, you must occupy one of the units yourself.

The exception to this rule is via the VA?s Interest Rate Reduction Refinance Loan (IRRRL). This loan, also known as the VA Streamline Refinance, can be used to refinance an existing VA loan for a home where you currently live or where you used to live, but no longer do.

7. How Do I Demonstrate To A Lender That I?m Eligible For A VA Loan?

In order to show a VA mortgage lender that you are VA-eligible, you?ll need a Certificate of Eligibility (COE), which your lender can acquire for you online, usually in a matter of seconds. The IRRRL is again an exception. For that loan, you won?t need a COE. You?ll also need to meet standard VA loan requirements including income and employment verifications, and residual income requirements.

8. Does My COE Mean I Am Guaranteed To Get A VA Loan?

No, having a COE doesn?t guarantee a VA loan approval. Your COE shows the lender you?re eligible for a VA loan, but no one is ?guaranteed? VA loan approval. You must still qualify for the loan based on VA mortgage guidelines.

The ?guarantee? part of the VA loan refers to the VA?s promise to the lender of repayment if the borrower defaults.

9. My Credit Isn?t Perfect. Can I Get A VA Loan?

Yes, you can get a VA loan even without ?perfect credit?. Many lenders use aggressive underwriting to help people who are VA-eligible receive loan approval, so you don?t need perfect credit or a high credit score to qualify.

If you have at least a middling credit score plus a history of paying your bills on time, you should apply for a VA loan.

10. Can I Get a VA Loan If I?ve Been Denied Other Financing?

Yes, you can get a VA loan even if you?ve been denied for other financing. Because the VA loan offers such flexible guidelines, you might be able to qualify even if you?ve been turned down for another type of home loan ? for example, an FHA loan or a Conventional 97 ?or for another type of credit.

Get Today?s VA Mortgage Rates

Today home buyers and refinancing households can apply for a VA loans online. Closings are usually rapid and the approval process can be simpler than for a comparable mortgage via Fannie Mae or Freddie Mac.

Get started with today?s live VA mortgage rates. Click here to get started.

Source: http://themortgagereports.com/13267/10-common-va-loan-questions-asked-by-u-s-home-buyers-and-homeowners

Source: http://valoanaftershortsale.org/2013/08/03/10-common-va-loan-questions-asked-by-u-s-home-buyers-and-homeowners/

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India won?t harm Bangladesh?s interests: PM to Moni - http://bit.ly/12VFksc

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W.H.O. Issues Guidelines for Earlier H.I.V. Treatment

[unable to retrieve full-text content]The new guidelines mean that millions more people will be eligible for treatment in poor and middle-income nations that perform triage because of limited drug supplies.

Source: http://www.nytimes.com/2013/06/30/health/who-issues-guidelines-for-earlier-hiv-treatment.html?partner=rss&emc=rss

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Jackson's teenage son describes upbringing, death

LOS ANGELES (AP) ? Michael Jackson's oldest son described the frantic efforts to revive his father to a jury, a scene of tears and agony that ended a dozen idyllic years being raised by one of pop music's superstars.

Michael Joseph "Prince" Jackson Jr. told the panel Wednesday how he knew there was trouble in the singer's rented mansion when heard screaming upstairs and went into his father's bedroom. His father was laying halfway off the bed, eyes rolled up into the back of his head as his physician tried CPR.

His sister Paris screamed for her father and Prince, now 16, told jurors that he was crying. On the ride to a hospital, the teenager recounted how he tried to calm the fears of his sister and younger brother by telling them that angels were watching over their father and everything would be fine.

It wasn't until his father's doctor, Conrad Murray, came out of the emergency room and said he had died that Prince knew his father was gone.

"Nothing will ever be the same," the teenager told jurors. He said while his younger brother doesn't totally realize the loss, his sister has had the hardest time of them all and he has had many sleepless nights since his father died four years ago.

His voice wavered at times and tears appeared to form in his eyes, but Prince remained composed as he publicly recounted for the first time what he saw the day his father died.

The re-telling of the scene in Jackson's bedroom came after nearly an hour of Prince describing happier times, showing photos of him and his sister when they were younger and a series of videos of the children filmed by their father.

He testified in a lawsuit accusing concert promoter AEG Live LLC of negligently hiring Murray, who was later convicted of involuntary manslaughter for giving Jackson an overdose of the anesthetic propofol.

AEG denies it hired the physician or bears any responsibility for the entertainer's death.

Wearing a black suit with a dark grey tie and his long brown hair tucked behind his ears, Prince testified that he saw AEG Live CEO Randy Phillips at the family's rented mansion in a heated conversation with Murray in the days before his father died. The teenager said Phillips grabbed Murray's elbow.

Phillips "looked aggressive to me," Prince testified.

His father wasn't at home at the time and was probably rehearsing, he said.

He said he saw his father cry after phone conversations with Phillips, and wanted more time to rehearse and was unhappy with pressure to perform his 50 scheduled comeback concerts titled "This Is It."

Murray's attorney Valerie Wass and AEG defense attorney Marvin S. Putnam later denied outside court that the meeting Prince described ever happened.

Putnam said Prince would be re-called to the witness stand during the defense case later in the trial.

"I think as the testimony will show when he is called in our defense that's not what happened," Putnam said. "He was a 12-year-old boy who has had to endure this great tragedy."

The testimony began with the teenager showing jurors roughly 15 minutes of private family photos and home videos.

He described growing up on Neverland Ranch and narrated videos of the property's petting zoos, amusement park and other amenities. After his father's acquittal of child molestation charges, Prince described living in the Middle East, Ireland and Las Vegas.

Prince is the first Jackson family member to testify during the trial, now in its ninth week. On Thursday his cousins, TJ and Taj Jackson, who are Tito Jackson's sons, will take the witness stand.

Prince Jackson, his sister Paris-Michael Katherine Jackson and brother Prince Michael "Blanket" Jackson are plaintiffs in the case against AEG, which their grandmother and primary caretaker filed in August 2010.

Another image showed Michael Jackson playing piano with his son while Prince was still a toddler.

Plaintiffs' attorney Brian Panish asked Prince whether he was interested in pursuing a career in music. "I can never play an instrument and I definitely cannot sing," Prince said to laughter from the jury.

He said he wanted to study film or business when he goes to college.

His testimony also included details that AEG's lawyers will likely point to later in the case to bolster their contention that Jackson was secretive about using propofol as a sleep aid.

Prince said none of the household staff were allowed upstairs at the mansion, and the singer kept his bedroom locked while receiving treatments from Murray.

During cross-examination, Putnam played a clip from a deposition of Prince in which the teen said he discovered the bedroom was locked when he and his siblings were playing hide-and-seek and couldn't get inside.

Prince also said his father gave him and his sister Paris a stack of $100 bills on a few occasions to give to Murray. He said his father told him that Murray wouldn't take the money from him, and the doctor wouldn't take the full amount from the children.

The teenager said his understanding was that the money was meant to tide Murray over until he got paid by AEG Live.

He never saw or knew how Murray was treating his father.

"I was 12. To my understanding he was supposed to make sure my dad stayed healthy," Prince testified.

___

Anthony McCartney can be reached at http://twitter.com/mccartneyAP

Source: http://news.yahoo.com/jacksons-teenage-son-describes-upbringing-death-084136382.html

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