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News

John Stossel’s documentary about public schools and school choice

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Awesome: (41 minutes)

The documentary features Jay Greene, and his book “Education Myths”, which I recommend.

Here’s an article from Jay P. Greene in National Review.

Excerpt:

This year, when you hear President Obama and congressional Democrats talk about increasing government spending to create jobs, you should understand that it isn’t really about jobs. It’s about paying off powerful interest groups that helped these Democrats gain power — a fact that’s clear from the billions they’ve directed to education.

Last month, President Obama held a jobs summit, after which he urged Congress to spend some of the money being repaid by bailed-out banks on programs to address unemployment. The House of Representatives responded by drafting legislation that, according to the Washington Post, “provides $23 billion to help states pay teacher salaries.” The curious thing is that education has actually seen an expansion in payrolls over the last two years, while every other major sector of the economy (save health care) has seen huge job losses.

According to the Bureau of Labor Statistics, the number of people employed peaked in November 2007. Over the next two years, the private sector lost more than 7 million jobs. The construction industry lost more than 1.5 million jobs. Manufacturing lost more than 2 million jobs. The education-and-health-services category, however, added more than 900,000 jobs.

My previous post on education featured a video on school choice from the Cato Institute.

News

Canada’s finance minister proposes changes to mortgage lending laws

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From the National Post.

Excerpt:

On Tuesday, the Department of Finance announced three changes to the standards governing government-backed mortgages, that come into force April 19. Here are a summary of the changes.

QUALIFYING FOR A FIVE-YEAR RATE

The adjustments to the mortgage framework will require mortgage insurers to ensure that new borrowers qualify for a five-year fixed rate mortgage when calculating the gross debt service and total debt service ratios. The measure is intended to protect Canadians by providing them with additional flexibility to support mortgage payments at higher interest rates in the future.

LIMIT THE MAXIMUM REFINANCING

Borrowers seeking financial flexibility can currently refinance their mortgage and increase the amount they are borrowing on the security of their home up to a limit of 95% of the value of the property. The adjustment will lower the maximum amount of the mortgage loan in a refinancing of a government-backed high-ratio mortgage loan to 90% of the value of the property, consistent with the principle that home ownership is a tool for savings.

DISCOURAGING SPECULATION

This measure will require a minimum down payment of 20% for government-backed mortgage insurance on non-owner-occupied properties purchased for speculation. At present, borrowers may purchase a residential property with a 5% down payment. The change will require a 20% down payment for small non-owner-occupied residential rental properties. Borrowers purchasing owner-occupied residential properties which also include some rental units (such as a duplex) will still be able to access government-backed mortgage insurance with a 5% down payment.

But the CEI reports that the Democrat mortgage bailouts encourage fiscal irresponsibility.

Excerpt:

Economists and real estate experts are saying that a $75 billion mortgage bailout program designed by the Obama administration has backfired and harmed the housing market…

[…]Earlier, the government pushed through billions more in other mortgage bailouts, to bail out even reckless high-income borrowers, and forced financial institutions the government took over in the name of fiscal responsibility, like Freddie Mac, to run up billions in losses bailing out irresponsible borrowers.

Banks will now be pressured to make even more risky loans. The House has approved Obama’s proposal to create the so-called Consumer Financial Protection Agency. Government pressure on banks to make loans in economically-depressed neighborhoods was a key reason for the mortgage meltdown and the financial crisis. Yet Obama’s disturbing proposal would empower the new agency to enforce the Community Reinvestment Act without regard for banks’ financial safety and soundness.  The Community Reinvestment Act was a key contributor to the financial crisis.

The mortgage crisis was also caused by the reckless government-sponsored mortgage giants Fannie Mae and Freddie Mac, and by federal affordable-housing mandates. But Obama’s proposed financial rules overhaul does absolutely nothing about Fannie Mae and Freddie Mac, admits Obama’s Treasury Secretary, tax cheat Timothy Geithner, even though he admits that “Fannie and Freddie were a core part of what went wrong in our system.”

Worse, the Obama Administration lifted the $400 billion limit on bailouts for Fannie and Freddie, so that they could continue to buy up junky mortgages at taxpayer expense, and showered their executives with $42 million in compensation.

Obama’s financial-regulation plan is “largely the product of extensive conversations” with two lawmakers responsible for the corrupt status quo, Chris Dodd and Barney Frank, and it expands the reach of regulations that have been used by left-wing groups to extort pay-offs from banks.

This is why we should have elected an economist like Stephen Harper.

Commentary

Why is it rational to act in a self-sacrificial way on Christian theism?

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I guess everybody who reads the blog is familiar with my view that self-sacrificial moral behavior is not rationally grounded on atheism. Well, I got a great (snarky) question from a commenter (Gregory Lewis) who wanted me to explain WHY self-sacrifical morality is rational if Christian theism is true. So I wrote the stuff below to try to answer it. I’m not completely happy with it, but I tried.

Note, this is not exactly theologically correct. I do understand that salvation is by grace, and that doing good deeds is part of sanctification, not justificiation. I.e. – the good deeds do not save you, but they do affect your relationship with God, and everyone else, in the after-life.

My response

The question to be answered is why should a person act in a self-sacrificial way when it does not give them pleasure and may even result in punishment. On atheism, self-sacrifice is irrational because morality is illusory, we have no free will, and life is temporary. Your life purpose on atheism is to be as happy as possible before you die, and there is no room for self-sacrificial love just to be good. So it is not rational to sacrifice yourself for the “moral law”. There is no moral law, on atheism. That’s what I mean when I say that morality is not rational on atheism. I mean self-sacrificial morality is not rational, and it seems to me that this morality is the only kind that counts.

But here’s what is true on Christian theism:

1) the moral law is real (objective) not subjective and not arbitrary
2) humans have free will – we are not biologically determined
3) there is a real Creator/Designer who says we ought to obey the moral law
4) there is a final judgment where our free choices to obey or not are measured
5) obedience to the moral law affects the quality (not duration) of that eternal life
6) the author of the moral law loves us self-sacrificially

And what does all of this mean, on Christian Theism:

There is an objective moral standard that specifies what we (morally) ought to do on Christian theism, like self-sacrificial love. Our capacity to make a choice to accomodate that moral obligation is real, because we have consciousness and free will on Christian theism. There is a real way we ought to be, and a real capacity to choose to be that way. But sometimes being good that way sets us back, personally. Is self-sacrificial love rational when it reduces our pleasure in this life? What happens when doing the right thing results in LESS happiness in this life and maybe even LESS time to live in this life? Is self-sacrifice rational on Christianity?

Well, there are two things better than a finite amount of happiness in this life and a finite duration of this life. And that’s an infinite amount of happiness and an infinite duration of life. If we could get that by taking a little short-term pain here and now, then it would make sense for us to suffer now and get something better later, if the world really were designed that way as a matter of fact. And that’s what Christian theists believe is the case.

So, on Christian theism, self-sacrificial love is rational because it is in our own best interest to do so AND because it’s what we were designed to do. It’s the way the world is that makes it rational, and that objective reality can be investigated and sustained in a debate using the standard arguments. Self-sacrifice is rational on Christian theism because there is a state of affairs that makes it rational.

But there is more to it than just self-interest. You have to remember that Jesus’ self-sacrificial death on our behalf is a kind of call to action as well. It may be that many or even most Christians never think about rational self-interest. They think of relationships. They look around at the world and they are willing to take on the obligations of the moral law in the context of having a relationship with God. They don’t think of obeying the moral law as a way to get eternal happiness and eternal life, but as the only possible rational response to another person who sacrifices themselves to love them. It’s not just that we want eternal life, or eternal happiness. We want a relationship with that person who loves us. We have a desire to be loved in a non-temporary way. We want to know that other person as he really is. I would not call that desire self-interest.

I’m thinking of what I feel like when I ask a woman to spend time talking to me over a meal that I will pay for, and she says yes. She probably isn’t thinking that she is doing this in order to be made 100% happy with no demands on her own behavior. There is something more going on there than self-interest – she wants to have a relationship, and she is willing to make adjustments to have that relationship. Most Christians aren’t thinking that they are going to get eternal life or eternal happiness. They want to know who this God person is and they are not concerned about the fact that this person wants them to act a certain way as part of that relationship. We want the relationship. It’s rational for us to act in a way that keeps the relationship going.

Normally, to get a relationship started, I give a woman a book to read or a DVD to watch. That’s not fun for her. But it is a gift. Either she is going to want to know this person who chose her or she isn’t. Maybe she thinks I will make her happy, but that’s not why she takes that first step to follow me. She wants the relationship.

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