I was 5 once b4 & all I remember is My Pic...

the young old soul in the picture spoke a thousand words

gleeful & dream filled

proud my butterfly collar was crisp and colorful

spread from throat to shoulder

& blessed with an even wider perfectly patted Afro which resembles a halo

splendid, natural smile dimpled plum plumped cheeks

elated with speech

my 5 year young mind

unable to see futures

but I remember my dreams

so simple and sweet

so innocent

No mortgage payments

No bills

No killing caffeine filled grande cups of coffee

Nor counting calories

No jail bars

No courtrooms

No intolerable college roommates on mushrooms

No Jack Daniels

or searching for lighters and zig-zags

and knowing I'm already late for my next class

No explaining to my parents why I'm droping out for the 3rd time

No 9 to 5's

No 7 to 9... 13 hour work days

No shame

No blame

No names of yester-years past lovers

or presently suffering from repayments of universal carma

just simple dreams

so sweet & so innocent

candy and cartoons

bus rides to zoos

playing in the dirt

and my only hurt was getting a splinter

or skinning my knee

so simply sweet

I remember my dreams &

now know what it means when they say...

"the youth is wasted on the young"

because if I knew then, what i know now

without doubt

I'd have an even bigger smile

We Witness!!!

offbeat...

quirky and queer...

floating thru waves of eccentric self-indulgance...

we gape with penetrating stares...

peering at reflections of raped ancestory soiled greatly with dusty, dirt brown colored skin tones...

skinny body festers solid dark hues...

black & blue blossoms purple flower blisters, scarring our souls from fights for your favor...

no time for us...

only self-indulged future dreams mock our needs and wants...

while sullen eyes drive our souls to follow the brilliant blings of trophy friendships... we witness the reality of your faith in self...

and Yes!!! Unsusal...

unable to fit ordinary molds...

distinctive model original, so we gawk estranged at slpenderous radiant rainbows of alienated wardrobes...

and black over-heated/treated head wiskers, shallow and short, barely covers your scalp...

and for this in our reason devotion presist as we witness magnificant inspiration...

we sit in adoration of your beauty and our purpose for poetry is you...

a gorgeous, beautiful, phenominal pheminine pharaoh revered...

Thighz (written in 2007)

thick thighs totally tantalizing

unashamed thighs

unbridaled

full-figured thighs

vuloptuous & vibrant

vigorous thighs

unhibited

deliberate in movement

revolutionary thighs

evolutionary thighs

eyes wide on thighs

liberated

bold & beautiful

free & flowing thighs

feel thighs

real thighs

realize the real life in between thighs

high on thighs to touch freedom

forever thighs

eternal thighs

heavenly

hypnotic thighs

thick & magnificent

mighty plus size thighs

marvelous

always captivating me

Kiss Me Again

My Dreams begin with a Kiss bold enough to extend the boundaries of skin.

Lips piercing your flesh to illuminate your soul

bountiful body of light.

I touch unlimited,

the tenderest taboos unveiled,

treasure explored... pure pleasure

revered

we clinch, tight with anticipation.

impatiently awaiting solid movement.

so subtle...

do you know i am there?

Kiss

Imagine the Lips that could make Ms. Jollie Jealous...

the most exotic, addictive lips you've ever witness

multi-million dollar MAC cosmetic model lips

the perfect lips

impervious to all weather lips that could put Chapstick out of business

Ol Skool natural lips

full & voluptuous, seductive,

Violet Burgundy Velvet Oil-Painted Lips

urban originated,

Cal State college educated lips

sista Angela Davis' wit, 70s Soul Power lips

she has those lips

speak no evil lips

with fingertips on hips

we Kiss

& I'm teleported to Heaven by her lips

rocket ship over the moon lips

"Make Me Wanna Holla" & jump the broom lips

black tuxedo & winter white wedding gown lips

Neva turned down

No frown lips

Kiss a "boo boo" & make a small child sunbeam smile lips

midnight, intellectually magnificent lips

crack of dawn, morning I miss u lips

I Dream of those lips

All Day Overtime Sexually Stimulating Me Lips...

Now just imagine those lips are only 5th on the list of her Greatest Features

"Supernova" (the velvet curtain encore)

spine tingles

nose open

i touch sights with images of brilliance & beauty

she knows where i stand

upright on 2 feet i seek daylight

bright supernova

passing over lessor objects

my holy grail is vialed by the violet blue velvet heaven's celestial magnificence

her throne is a bronze sun

burning the flags of all opposed

i see the 1

i touch what is promised

the never forgotten

the forever ripe fruit on the highest branch

she sits as the mother of my great family tree

she is to me what so many Mary's were to the Messiah

she is saving my thoughts & soul

holding my heart in protective hands

she is what i have journeyed for

she is great encore...

Damascus Queen

roadside she stood

shrouded in a cloak of Passion, Pride & Purple-Blue Grape Flavored Bruises reminiscent of Flower Blossoms...

jet black tangled braids covered in green cast-armored head dressings

towering flagrant in her flamboyance

she was statuesque & sensational but meek in manner & humble in demeanor

dictated in dominance by the dimensional standards of what was never excepted

she was professing I am only that I am...nothing more

her posture spoke a passive & unobtrusive riddle

standing in avoidance through her down-turned eyes focused on the road

she spoke & told me that she can see my thoughts & felt love when she touched my words

but I heard nothing...

she was a tall, brutal & voluptuous figure

pronounced unwaivering

but held not an inkling of incline or aggression

I knew that there was more...

I knew that All I was witnessing was only the beginning of a Journey where the Destination was of no concern...

I wanted her to roll this road with me...

I asked if she was here for me...

she only declared that "I am here Forever"

(to be continued)

daydreamer

my daydreams are like an outer body experience...

wishing i could witness u in real life at every moment... 

wishing to see what your doing now...

in the daylight with a flashlight

she had a flashlight in the daylight...

high noon hanging outsiders without a rope...

deep sea diving & admiring brilliantly beautiful options in speechless water life

she passed outsider off like rugby laterals

skating circles around outlined images of her in thoughts...

NO,

she was not looking for it...

but she still stalked it...

illuminated by her own spotlight & theme music

red carpet statuesque magnificence was only magnified by the flashlight she had in the daylight

she said she saw me

but she would not let me speak b4 I was hung like an outsider at high noon

at first thought

we exchanged vows of loyalty without a witnesses to be seen

crossed hand over heart because i could not find my bible

we exchanged vows of trust but there was not a witness in sight

deep weary late night eye contact pledged honesty though she did not want it

we exchanged vows of monogamy although I was the only one in the room, complexed of why you were not there

ignoring the reality that I could be here without what is deserved

what is desired & what is not seen

& u are what I have been eluding for over 30 years

everything that I should be half of

all that should make the whole that I am if I am to be...

at 1st thought I awaken to what u are & the romanticism that I have conceived...

Be Real

& I will Vow & Pledge Everything that "I AM"

She Speaks w/Me...

Conception of Heaven told timeless stories in her eyes...

Her voice sang soft words spoken...

"Good Evening Brother"

My Heart skipped & sputtered like it lacked Fuel...

Energy Low & my knees wobbled...

I swallowed pride & said I just want to listen as she spoke timeless stories with her eyes of how Heaven was Conceived inside Her...

My Hope Walks an Invisibly Thin Rope...

I see what Life can be

Positive but not Optimistic

I see what Life should be

but I stand

looking down a feed barrel & feeling the stench hit my face just b4 that which is not going to kill me immediately

but leave me to sick to further compete comes colliding down

falling free and touches my tongue

it slides thru my insides

inedible death concealed beneath FDA regulated products

holding my heart hostage so I love Facebook more than human contact

its inside of me writing a contract on my soul

signing it in heroin narcotic tipped needles prick in leave tatted imprints that seem like satanic hieroglyphics

Hopeless I try to decipher the deed

it reads in an ancient angelic language that hasn't been heard since

Bird,

Monk

& Coltrane played in smoke filled rooms

where small masses consumed Hope filled Notes

I Hopelessly don't understand

but i know i am connected

I Stand looking for the Hope

so that it may feed my soul and self destruct the bond between me & our madness

but yet I keep letting this feed barrel tell me that there is No More Beauty!!!

so I lust bullshit disguised by a fun house mirror that only reflects what I am perceived to be by only me...

(to be continued)

My Creative Me Created Me...

I Live through the Pose I Create...

when the suns run dim and my words may no longer be read...

My Soul Sketches Sparks across My Heart

My Heart Provokes the Thoughts on my Mind

My Mind keeps my Soul Wound like an Old Pocket Watch...

My Soul is Timeless

My Heart is a Motor Forever Moving with No Need For External Fuel

My Mind Motivated by Constant Elevation

My Mind Alive & Navigating Mountains that are Forever Moving through a Universe of Dark Clouds which My Soul Rides Unbridled

My Soul... Galloping amongst Galaxies with a Heart Shaped Shield that is Re-Born with every New Breath

Every Rhythmic Beat of My Heart Bringing My Mind New Blood to Sip

My Mind Sipping & Slipping Charcoal Colored Thoughts Around My Soul that Begs to Be Wound Again & Again & Again!!!

Spark My Heart...

Provoke My Mind...

Wind My Soul...

I Live thru the Pose I Create for Creation is My Muse!!!

FHA to the Rescue!!!

from a letter written to the Mortgage News Daily by Brian Montgomery Oct., 2009

There has never been a point in our nation’s history that better illustrates exactly why FHA and Ginnie Mae exist. During these uncertain economic times, their counter-cyclical role of ensuring adequate mortgage activity and liquidity has been necessary and vital.

FHA has saved close to one million sub-prime/Alt-A borrowers from possible financial ruin by allowing them to refinance into a safe and secure 30-year fixed rate mortgage. Another 2 million qualified borrowers (80% of them first-time homebuyers) have taken advantage of the declining house prices and historically low interest rates to purchase a home using FHA. FHA’s role has grown substantially from three percent of lending activity by dollar volume in 2006 to nearly 25 percent of all mortgages originated today. That massive uptick in volume occurred almost overnight beginning in spring 2008.

Through it all…. FHA has helped pump more than $400 billion of mortgage activity and liquidity into the market since 2008, while still managing to deliver a higher credit quality borrower whose average FICO score is 700.

One can only imagine how much worse our economy would be right now without the FHA. However, the growth of FHA in the past 18 months has understandably attracted a lot of attention. While the FHA did not take part in the housing boom, it is feeling its effects.

Reminder: FHA collects premiums from borrowers (revenue) and also pays out claims to lenders when loans go into default and foreclosure (outlays).

The FHA has undeniably tightened guidelines in an effort to help ensure a higher loan quality. Prospective borrowers must verify income and job history as part of a rigorous underwriting process.

As a reminder, I offer the following insight about the strategies the FHA is considering to ensure the market remains confident in the FHA’s risk management models:

* Tighten underwriting criteria
* Increase premiums
* Raise the down payment requirements above 3.5%
* Overlay a credit score cut-off

Looking forward it’s important for all of us to continue advocating for reforms that better ensure a vibrant, transparent, and sound mortgage marketplace. Current market conditions highlight the critical role of the private and public sectors in keeping mortgage credit flowing.