Greetings and Joy in Abundance!

Ever wonder why some people seem to be floating through life and others stumble?



I wonder this, and seek to find ways to float instead of stumble. Maybe you would like to join me in this search.

Seeking a closer relationship with God seems to allow my life to float along a little easier.







Phillipians 4:5-6 tells us to reveal our gentleness outwardly, that God is near and that we should not be anxious about anything, but through prayer and petition, we should thankfully approach the Lord with our concerns.

As a high energy person, my anxiety can run high. I am constantly seeking ways to leave my concerns at the foot of the cross.



Random? Probably not.

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Thursday, June 3, 2010

Ethical? Moral? What does that mean?

I worked in the mortgage industry for 20 years.  I've worked retail, wholesale, A paper, B-C lending or what they called sub-prime, I've underwritten, audited, processed and originated loans.  I hold a DE certification to underwrite loans for FHA.  I've seen it all in 20 years - the advent of computers helping to process paperwork in the early 1980's to the automated underwriting of the early 2000's. 

The one thing that remained consistent was the challenge to fight of the greed monster.  There was always a way to tweak the system to get your loan through.  Committing fraud used to be a lot harder in the 80's and 90's before computer generated forms became so commonplace.  It was work to alter a document and cut and paste or whatnot to change a figure.  Now, it's not that difficult.  It's harder to detect that fraud now, too.

Why do I bring this up?  Because honestly, I think that it has become socially acceptable to skirt the system.  I think that it doesn't feel like fraud anymore.  Our balance of justice is skewed and we don't even know what is right or wrong anymore.  I want to know that there are people who do know that it is not okay to misrepresent your income.  I want to know that there are people who are completing documents for a loan and only writing down the truth and allowing a loan to be declined and sent to a wholesaler through a broker because it doesn't meet the requirements. 

It is so hard these days.  Do our children know what is right and wrong?  I wonder.  I see so many people who have no remorse, no concern, no empathy.  The truth is that we are the only ones who can change it.  Never fear!  Christ is here!  The truth of the Gospel can help us turn around our economy and our morally bankrupt society.  We must seek to share the truth in ways that our offices can adapt to.

Stay tuned for steps to turn an office around!  The high energy, high productivity and caring attitudes can return!  The excitement about working together can return!  Let us seek together the gems and pearls that will bring us back to that environment we all desire to be in.  Don't you want to work in an office where you feel cared about, honored and lifted up?  Oh, and paid according to your contribution?  Pearl #1 - Do your work to the best of your ability - God is watching.  Even if the boss says it's good enough, if you can do it better, keep working at it.  God knows what your best is, and He is the boss that account to.

:-)   Think what it would be like if everyone worked like that.

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