Monthly Archives: August 2018

GUTTING THE UNDERBELLY OF THE BEAST – PART 2

(OP-ED, first posted: August 29, 2018) —

The writer of this post is a paralegal and consultant to attorneys on matters involving chain of title, foreclosures and document manufacturing.  The opinions expressed herein are that of the writer’s only and do not constitute legal or financial advice. 

It is hard to say how much we spend on the average for insurance coverage for a wide and varied range of issues.  I personally spend over $7,000 a year on insurance and I’m sure that others spend well more than that.   My CPA’s tell me that what you spend on ALL insurance is supposed to equal roughly 10% of your estimated gross income.  If you’re spending more than that, something might be amiss with your personal financial planning.

As a business, basic liability insurance for a small business like mine consulting firm runs about $350 a year.  I am sure that other larger firms are then paying into the tens of thousands for insurance coverage depending on their liability, which is based on risk assessment.  Remember, insurance companies are risk averse, which means they shy away from companies that might posit high-risk behaviors.  The insurance companies are in business to make money, not spend it paying claims on damages based on the imputed negligence of their insureds.  Insurance companies buy office buildings and other large real estate holdings because they can make a guaranteed income with a full list of tenants paying every month (as an example). Insurance companies ARE the financial guarantee (in large part) guaranteeing “right behavior” of their insureds.

WHERE THE COUNTIES FIT IN … 

Counties take in annual property taxes from every property owner registered within their databases, based on assessments of market values and mill levies (dollars per thousand times the estimated assessed value of the property).  By law, the counties are always in first lien position, because residency is a jurisdictional issue that was legally addressed by state legislatures long before mortgage liens were.  The law makes it easy for a county, over time, to take property away from those who refuse to pay taxes when they become due, whether ad valorem, non-ad valorem or special assessment in nature. Those of you who think you can put property back into the state of allodial title to avoid paying taxes can stop reading now. Those days are seriously OVER and you will lose.

Most counties are self-insured.  A lot of the pool of money that the counties rely on for self insurance purposes come from property taxes and go into a general fund.  Most counties (the larger ones in population) have Risk Managers.  Smaller counties generally employ County Executives, which do principally the same thing: damage control.  Counties generally enjoy sovereign immunity.  There is plenty of case law to back that up.  Sovereign immunity, by definition, is a judicial doctrine that prevents the government or its political subdivisions, departments, and agencies from being sued without its consent. The doctrine stems from the ancient English principle that the monarch (or king) can do no wrong.  Ahhhh … but we all know on occasion the “king, or the king’s men … DO WRONG”!  Sadly, many of them have gotten away with it.

Counties are sued generally (as you will read about if you did your research like I did before writing Beyond End Game Strategies) for the acts of persons employed by the county.  Let’s say someone who works for the county is driving along and runs a red light and slams into your vehicle in an intersection.  Believe it or not, THIS type of suit against counties is more predominant than what I’m going to address in this and future articles.  Or a child falls into a public swimming pool and drowns because there was no lifeguard around to save him because the lifeguard was off making time with the female pool staff.  This could be construed as simple negligence, for which the county could be liable.

ATTORNEYS CAN BE HELD LIABLE FOR MALPRACTICE … BOTH OF THEM!

“Imagine if you will” (to quote the late Rod Serling, or “submitted for your approval”) … going after an attorney for malpractice.  Here’s one article posted on Lexology® you’ll probably want to read as a “concept piece”: Tripartite Relationship: Insurers suing panel counsel lawyers – lexology

I covered the foregoing on my recent radio show on WKDW-FM, 97.5, North Port, FL, streaming live at kdwradio.com.  You can hear it this Friday night (Aug. 31) at 6 pm EDT!  Click LISTEN NOW and wait for the program to start.

The substance of this is based on negligence (negligent behavior).  Now, imagine this being applied to foreclosure defense attorneys who fail to perform as expected (and required).  Imagine further going after the other side’s attorney for bringing a false and misrepresentative document into a foreclosure case, relying on it and making similarly subjective, misrepresentative statements in open court, allowing the court to step all over your rights in handing your property over to the bank’s mortgage loan servicer.  Why isn’t your attorney paying attention to the false and misrepresentative information on the assignments when this is the “keys to the kingdom”?   If your attorney has knowledge about the falsity of such a document, he is bound by the Professional Code of Conduct to report it.  Have you ever heard of an attorney that has done this?   I’ll let you answer that question yourself because I can’t think of one.

When a complaint is filed with the State Bar (of any state), they supposedly have a duty to examine the complaint for its legitimacy.  THIS IS NOT SOMETHING YOU SHOULD DO AS A PRO SE LITIGANT!  YOU ARE NOT A BAR-LICENSED ATTORNEY!  YOU HAVE NO CODE OF PROFESSIONAL CONDUCT YOU HAVE TO ANSWER TO OR FOLLOW!

Subsequent to filing a claim with the State Bar, the E & O policy of the attorney and his law firm is researched and located and contacted.  Either a claim will be paid out upon the formal filing of a complaint or in the alternative, claims for attorney representation in front of the state bar could be denied, which means the attorney “is bleeding green”.   This is “the system of things” operating in reverse because here … you weren’t paid a benefit, but the attorney was denied a benefit, which was a detriment to him.  If the insurance company is allowed to sue to recoup what it has paid out in damages, then they’ll go after the law firm, etc. and make them “bleed green” … this is assuming you suffered a damage (post-foreclosure judgment, loss of home, loss of equity).  Once a judgment is obtained, a Motion to Vacate is the only thing that sets the stage for any subsequent action.  YOU CANNOT DO THIS YOURSELF!   YOU ARE NOT DEFENDING A TRAFFIC TICKET HERE!  PRO SE LITIGANTS WILL END UP LOSING THEIR HOME, IN JAIL OR THE SUBJECT OF A HEFTY FINE, OR BOTH!  You did not learn any of this in civics class!  They don’t teach this stuff in high school OR college for a reason.  They don’t want you to know “the system of things” and how it works.

LIABILITY … AND WHY THE BANKS ARE NOT EAGER TO TRANSFER TITLE ON FORECLOSED HOMES … 

Let’s take the case of the 2-year-old toddler who accompanied his parents into their new (resale) home in Tampa, Florida.   The home they just acquired was situated next to a foreclosed home.  There were clearly signs in the windows denoting that the property had been foreclosed on or was about to be.  Like most busy parents in the middle of unloading a moving truck, they lost track of the toddler.  They found him floating face down in the pool of the foreclosed home, which was not covered up properly, and efforts to revive him failed.  Of course, despite the foreclosure on the property, the bank claimed it wasn’t liable because the homeowner’s name was still on title and he was required to pay for insurance and bore all of the responsibility for anything happening on the property.   Sadly, this happens a lot (as to the lack of title transfer) with foreclosures, until the banks find a bona fide purchaser.  So in my mind, the homeowner, despite the fact he’s vacated the premises, he’s still liable.  If the hazard insurance, which covers personal liability, isn’t maintained or isn’t in place at all because of a lapse in coverage, the homeowner then becomes solely and financially liable to the parents of the deceased child.  This is why banks won’t transfer title right away after seizing a property.   In fact, in California, you aren’t even buying the property in foreclosure!  You’re buying the lien!  How many of you know that?  This would make Trustee’s Deeds a complete sham!  Why isn’t anyone attacking the validity of Trustee’s Deeds based on California law?   Lack of knowledge, I suspect.  Those of you reading this for the first time wouldn’t have a clue as to where to turn to next, so don’t even try.

Title companies are also risk averse and won’t allow transfer until things are “buttoned up” … or so we’ve been told.  This is where more illicit document manufacturing occurs.  But it gets even better because licensed operators (attorneys, law firms, notaries, debt collectors, insurance companies, title companies) are all responsible to a higher authority!  Stay tuned!

 

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GUTTING THE UNDERBELLY OF THE BEAST – PART 1

(OP-ED, first posted: August 25, 2018) —

The writer of this post is a paralegal and consultant to attorneys on matters involving chain of title, foreclosures and document manufacturing.  The opinions expressed herein are that of the writer’s only and do not constitute legal or financial advice. 

Everything these days revolves around insurance of some sort.  The credibility of some professions is backed up with insurance or bonding to guarantee against losses incurred by inadvertent or blatant illicit behaviors of those insured or bonded.  The system of things revolves around the dollar.  People have put their faith in the dollar, whether it has any backing or not.  As long as people (the body politic) can be fooled into a perception of believing that this so-called “legal tender” can still be used to pay debts “public or private”, the system will continue to flourish, whether “in the red” or “in the black”.

REALITY CHECK

Look how many times you purchase insurance in your life and for what purposes (CYA).

Virtually all 50 states require some sort of minimum liability auto insurance, through a policy that guarantees the insurance company will cover a loss if a claim is filed against the policy.  Many folks just get a liability policy if they’re driving a car that has no lien against it; however, an auto loan on a vehicle will require that you have full coverage.  Based on your driving record and your credit score, full coverage insurance can rape your monthly income, denying you of even basic needs just because you need to get to work and a means of insurable transportation to get you there.

Throughout the last decade of this dismal fight to keep Americans in health insurance, we’ve been forced to buy health insurance coverage through some sort of program connected with the Affordable Care Act.  Seniors over 65 are forced to buy Medicare.  That too comes with a price tag.  Part B is $134 a month, no matter WHO you go through to get insurance.  Any supplement insurance (which is highly recommended by agents these days), adds another $80-$100 a month on top of the $134 you pay every month just to avoid a financial catastrophe due to health issues.

You can’t get a mortgage loan without insuring the property with hazard insurance. When homeowners get into trouble, the first thing to be neglected is the hazard insurance payment.  Then the property taxes.  The lender (or its servicer) then has to cover any claimed losses by putting forced placed insurance on the property because the property owner failed to do so.  This process, which I call a “cheap date”, is used in part to prove that the servicer, acting on behalf of the lender, has some sort of interest to protect in the property, especially when it comes time to foreclose on said property.

If you own a business, most if not all responsible business owners carry a general liability insurance policy.  These policies generally start at $350 a year, which is no big deal. However, given any type of special insurance coverage, you’ll find that the more “risk averse” an insurer has to weigh in on a given situation, the more expensive the policy. For example, if your business deals in a product or service that comes with a higher risk than most of injuring the general public, this forces the premiums to go up.

Because many Americans are not well-funded and are deep in debt, the last type of insurance policy they encounter is a life insurance policy, to make sure that if something happens to them, their loved ones at least have some minimal nest egg to keep them going. This is where a majority of Americans put the least amount of dollars. Most of us are underinsured in this category.  I’ve heard a lot of folks say that “you’re making a bet with the insurance company that you’re going to live so long before they have to pay out”.  This is true, which is why I buy 10 to 15-year term insurance.  If I live past 80, I’m lucky.  Good luck getting insurance past 85, because virtually all insurance companies will deny coverage past that age because they know what the odds are of a quick payout.

By the time you’re 80 (if you live that long), you should have some sort of an “estate” to leave behind that’s worth something.  Most Americans however don’t even have $50,000 in savings they can fall back on if, God forbid, something goes wrong.  In fact, the number of consumer bankruptcies, especially those over age 65, is on the upswing. Student loans, mortgages and consumer debt are driving the bankruptcy filings, statistically well ahead of medical catastrophes.  However, I would proffer that “debt stress” would cater to certain medical issues at some point.

A NECESSARY EVIL

There’s insurance coverage out there for virtually every kind of behavior, including liability for actions taken against you that could be deemed illegal.  This is why we have “bonds” in place for judges, clerks, virtually all elected officials, notaries and credit repair people, to name a few.  Most counties in America are “self-insured”.  Most states have what is known as an “insurance risk pool” or a back-up fund of money to pay for damages that the state or its actors might cause against its citizens.

Law firms and real estate brokerages have what is known as “E & O” policies (or should) in order to exist.  “E & O” stands for Errors & Omissions (policies).  These types of policies generally pay out for legal services in case the insured comes under fire for erroneous or negligent behavior.  It’s a “knew or should have known better” scenario.  So the E & O primarily covers legal fees for representing the insured and/or paying out claims against the insured’s policy.

If there wasn’t an insurance policy covering something somewhere, our litigious society would drive this country into a financial meltdown sooner than later.  The only way that a meltdown would occur sooner than later is if the “perception” of the masses were to dynamically change to reflect an understanding that “insurance” supports the “underbelly of the beast.”   This is why I wrote the “Beyond End Game Strategies” supplement.  The concepts expressed here go beyond the traditional thoughts of most Americans. Insurance companies are “risk averse” … and their “end game” is to deny claims whenever possible due to exceptional or non-covered acts of the insured.  This is why insurance companies file more declaratory relief actions than most any other entity in America … to have a court determine whether they’re responsible to pay a claim on behalf of the insured.

Do you see where my thought processes are going?  There is a method to the madness and the “beast” is the system of things.

And … at some point … a meltdown in America is likely.

Stay tuned for Part 2.  It gets better! 

 

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BREAKING NEWS – GEORGIA INVESTOR GETS $3.5-MILLION + COURTESY OF THE 11TH U.S. CIRCUIT APPELLATES!

(BREAKING NEWS) —

You gotta love this!  It was even a jury award and Taylor, Bean & Whitaker was involved!

Focus on what Jane did (without Tarzan) … and shellacked Homeward Residential too!

McGinnis v American Home Mtg Svcg Inc, 11th App Cir No 14-13404 (Aug 22, 2018)

Study this 21 pages!  It’s full of “nuggets”!

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THE FHFA IS A CONSERVATOR … NOT A RECEIVER, COURT RULES!

(BREAKING NEWS, OP-ED) —

For those of you who might have missed this Memorandum and Order out of Rhode Island (whose courts typically favor the banks and their servicers), you may wish to read this 19-page ruling:

Sisti v FHFA et al, US D. R.I. No 17-005 (Aug 2, 2018)

The FHFA attempted to get a judgment on the pleadings, which the court denied!   While this isn’t much of a setback, it does make clear a few potential misconceptions about Fannie Mae, Freddie Mac, the FHFA, the FDIC and the mortgage loan servicers who deal with these entities:

THE BUCK STOPS WHERE?

(1) Following the subprime mortgage crisis, Congress passed the Housing and Economic Recovery Act, which created the FHFA (Federal Housing Finance Agency), giving it the power to supervise and regulate Fannie Mae and Freddie Mac (the government-sponsored entities, or GSEs). The FHFA pretty much has complete control over the activities of both GSEs, including their reorganization or rehabilitation.  In the fall of 2008, the director of the FHFA placed both GSEs into a CONSERVATORSHIP, NOT A RECEIVERSHIP!  The Director of the FHFA had a choice … he chose Conservatorship!

(2) There is no date set for when this conservatorship will end.  In the meantime, both GSEs are prohibited from paying any dividends to their common shareholders.

(3) The U.S. Government owns ALL of the senior preferred stock of BOTH GSEs. As a result, the U.S. Government gets perks that common stockholders don’t get.

(4) Both GSEs have received over $187-billion from the U.S. Treasury to maintain liquidity and have paid more than $249-billion in dividends back into the Treasury; however, the U.S. Government’s interest in the GSEs has not been diminished as a result.

HOMEOWNERS GOT SCREWED … AND SUED!

(1) Judith Sisti was foreclosed on by Nationstar Mortgage LLC, acting as an agent for Freddie Mac, where Freddie Mac was the high bidder and Nationstar signed and recorded a foreclosure deed, all non-judicially, and then attempted to evict Ms. Sisti.

(2) Cynthia Boss was foreclosed on by Santander Bank, acting as an agent for Fannie Mae, where Fannie Mae was the high bidder and Santander signed and recorded a foreclosure deed, all non-judicially, and then attempted to evict Ms. Boss.

(3) Neither homeowner had the opportunity to have an evidentiary hearing, to confront or cross examine witnesses, to present arguments and evidence, to be represented by counsel, or to have a neutral hearing officer adjudicate the matter, all allegedly in violation of their 5th Amendment, Constitutionally-protected rights to due process of law.  They filed suit against the Defendants and the cases, bearing many similarities, were consolidated into one case by the Court.  The FHFA, Fannie Mae and Freddie Mac all filed motions for judgment on the pleadings, claiming they were within their rights to screw both homeowners. DENIED!

THE COURT HELD THAT THE FHFA AND THE GSE ARE GOVERNMENT “ACTORS”, CONTRARY TO OTHER PREVIOUS RULINGS! 

(1) Despite all of the other case citations claimed by the Defendants in this case, THIS JUDGE held that none of the other citations were binding on this Circuit!  (We didn’t see that one coming!)

(2) The Court held under Lebron v. National Railroad Passenger Corp., 513 U.S. 374 (1995), that the Government created a corporation by special law; for the furtherance of governmental objectives; and retained for itself permanent authority to appoint a majority of the directors of that corporation, then the corporation is “part of the Government” for constitutional claims.  The rest of the citation contained further historical analysis.

(3) The government gave complete control of the GSEs to the FHFA, rendering said control effectively permanent, despite FHFA’s claims to the contrary (that this was only supposed to be temporary).  Well, we don’t see any “temporary”, do we?  It’s amazing how the FHFA (and its lawyers) can argue whatever suits them, whether it’s legitimate or not, huh?

(4) The Court stated that it “cannot defer to a congressional delegation that serves to disclaim the constitutional obligations of a government-created entity.”  So now there is a conflict over whether there is permanent control or temporary control.  The Court then continued to stick to its guns on the facts at hand … that the “unchecked control the government has over the duration of tis total takeover of the GSEs” is up to the discretion of the government, “in perpetuity, even though Congress authorized a facially temporary conservatorship.”

THE BEAUTY OF BEYOND END GAME STRATEGIES … 

Once you understand the elements of what the Court indicated on Page 14 of its ruling, you can see the differences between the FHFA as conservator and the FDIC as a receiver:

(1) The FHFA has complete power over the GSEs.

(2) The FDIC steps into the shoes of the failed financial institution, “as a private entity for state law tort claims”.   “Beyond End Game Strategies”, the new piece we recently put out, nailed that plan of attack.

(3) This would appear to indicate that going after the FHFA and the GSEs (in their present condition) would be more difficult than going after the FDIC (as the receiver for your failed banking entity that filed Chapter 11 bankruptcy).  Maybe not entirely (according to this court)!

(4) The most damning statement in the ruling is on Page 16: “Because only federal entities can waive sovereign immunity, it logically follows that FHFA-as-conservator is a government actor.”  For further research, see Brian Taylor Goldman, The Indefinite Conservatorship of Fannie Mae and Freddie Mac is State-Action, 17 J. Bus. & Sec. L. 11, 23 (2016).  Okay, whatever … I pulled it down for you … read it here:

The Indefinite Conservatorship of Fannie Mae and Freddie Mac is State-Action

(5) Conservators, unlike receivers, have a fiduciary duty running to the corporation itself (Goldman, p. 26).

And this ruling was from a federal judge that is typically NOT homeowner friendly! 

This case tells me that as a “beyond end game” plan of attack, once you learn the key differences between what a conservatorship is and what a receivership is, you’re at “Square One”!

I would recommend to all who attended BOTH Atlanta and Orlando workshops recently add the foregoing white paper to your arsenal of research involving a “plan of attack” under state tort claims laws, as described in the foregoing illustrated INSERT. Those of you who didn’t attend … darn.  You really missed out, given the holding in this case!  This is why what we’re teaching is so vital to your survival … and now I have case law to back it up!

 

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IF YOU FEEL LIKE YOU’RE ONLY GETTING HALF THE JUSTICE YOU DESERVE … YOU’RE NOT ALONE!

(BREAKING NEWS — OP-ED) — I have spent years doing research about the financial mess we have in America.  I first confronted this issue in the early 1990’s, when many of my friends (who were more creditworthy than I) would come to me, telling me they were “in over their heads” in credit card debt, on top of having to pay a mortgage loan.  In retrospect, my own personal situation wasn’t necessarily plagued by that same scenario.  Mine was figuring out a way to make an honest living by “working smart”.  People spend all their lives working hard, paying interest upon interest on a 30-year mortgage (mort = death; payments until death).  Now, student loans have taken the place of mortgages as the #1 stresser.  Why?  It may not be because we’re a nation of over achievers. It’s because we’ve been programmed by our parents who didn’t have it as good, wanting us to have it better than they did.  So what did they do?  Give us the ‘ol pep talk:  Go to school. Get good grades.  Graduate with a diploma.  Buy a car.  Go to college.  Graduate with a degree.  Get a good job.  Get married.  Buy a home.  Raise a family.  Work hard. Retire. Leave a legacy.

This all sounded well and good back then; however, the pep talk did NOT include financial education of the kind we’re used to.  Even today, what little financial education is taught in secondary and post-secondary education is severely limited.  They did not teach “CAR LOANS 101” in high school.  They did not teach “STUDENT LOANS 101” in high school.  They did not teach “MORTGAGE 101” in high school.  Hell, they didn’t even teach “CHECKBOOK 101” in high school.  Do they even teach this in college?  Not hardly.  Economics?   I had a Korean professor in college I could hardly understand, which made economics more boring than ever.  I still managed to learn something; but it wasn’t enough to sustain “real world living”.

Couple that with our national media and its advertising campaigns.  Look at what’s on TV today!  There’s more commercials for car loan financing, mortgage loan financing, buy now … pay later campaigns … than you can shake a stick at.  I know that sounds cliche, but have you ever actually watched these commercials and how you’re being baited?  Now imagine your kids are getting the same programming on prime time TV.  This is not only America’s problem.  This is a global problem.  It’s just that Americans have more disposable income than 90% of all the other countries in the world.  And what do Americans do?  Ask how many Americans how deep in debt they are and you’re just scratching the tip of what I call “the system of things”.

I will be discussing “the system of things” as part of my new, upcoming nationally-syndicated radio show:

After writing numerous books since 1995 (and having been exposed to radio since 1968), what else can I do to help make America a better place?   As with every endeavor, there are always going to be naysayers pointing fingers; however, the stuff that we will be talking about on THIS radio program is NOT intended to shock the conscience.  It is not “shock jock” radio.  These are 25-minute segments that discuss the very things that America is lacking, because 25 minutes is about all anyone can take because our “input stream” has been overloaded with indoctrinated “system diatribe” and developing this program was even a learning curve for me.  If you think this is going to be an Alex Jones-type program … sorry … I don’t make my life all about conspiracy theories, despite the fact that “the system of things” is full of them!  I do NOT support the Republican party.  I do NOT support the Democratic party.  It’s a single party system of oligarchs that control “the system of things” anyway.  Most of America just hasn’t noticed that yet.   Then there’s “deep state”.  Yes … that actually DOES EXIST!  It’s NOT a conspiracy.  It’s a bureaucracy.  It’s what is running this country, much of it unfettered and without immediate oversight or accountability.

To add to the dimensional quality of this program, I intend on taking up the online educational focus on chain of title issues through an 8-hour COTA Workshop.  I will share what research I have learned over the last 10+ years on my Clouded Titles website.  I know, it’s been long in coming … and I do not feel like conducting two-day events all over the U.S. that only produce a handful of Americans that have finally awakened to the truth about “the system of things”.   We have determined that two (2), four-hour teaching modules is what is necessary (with handouts delivered directly to you in your “inbox” in PDF format) can easily accommodate what many who have attended my previous classes call, “information overload”.  And we will make it affordable for everyone so that you can sit in the comfort of your home, on your computer, and get the real property portion of “the system of things” you didn’t get in high school (or even college).  And it won’t take up your whole weekend.  In other words, my 3-day COTA class will be streamlined into one day, because people have to work and support their families.   I will make this program available once every 3 months. These programs will not be all the same thing because “the system of things” changes from time to time … thus, there are updates to share, based on new research and case law.  I will have attorneys on the program from time to time because homeowners who are in trouble need perspective from a legal standpoint.  This is all part of the educational process.

Like credit reports, people need to check their public record files once every six (6) months to see what’s there.  Financial planning (PLAN B) is NOW required these days because we are headed for another cyclical recession despite what all of the talking heads on TV are telling us.  America has a Congress that is bipolar and self-serving.  You can’t run a country whose political hierarchy promotes “pushing back” (unintended consequences of violence) against others who believe differently than you about “the system of things”.  The “system of things” was created because Americans, as a whole, the body politic, ALLOWED IT to be created.   We worry about our toil and our last meal while our government tries to play “nanny state” games with us.  Why?  Because we’re not educated.  They are.  They think they’re better than us.  This is what an oligarchy is folks!  And we let them make us worry about what they’re doing when we should be concerned more about what we’re doing.  Our current behaviors are what is driving us into a “class war”.

Change starts at home.  Change filters out into your locale (be it unincorporated area, township, city, county, whatever ) because of the need to communicate with others besides those in your own household.  You have more control over your local government than you realize.  We spend so much time behind locked doors because our “pre-programmed condition of servitude” has caused us to hide in fear (and maybe even shame) because of what America has become.

If you think that complaining to the government will do you any good … you can forget that.  Government is too busy trying to figure out how to exist in such a way that you will be lulled into a false sense of security.  This is one of the reasons my new show is going to tackle both the legal and political angles, tying them together into social perspective so the average consumer will “get it”.

Justice begins at home.  It was handed down over centuries.  It’s called discipline.  If people were totally disciplined and walked in love, we wouldn’t need laws because everyone would be doing “the right thing”.  Because America is not a safe place to live anymore (don’t kid yourself if you think it is), Americans need to condition themselves to be more disciplined and that happens through education.  The betterment of our justice system begins with education.  Most Americans don’t even know what a “federal reserve note” is and what it represents.  Just ask any kid in high school if they know what it is.  You’d be surprised at what you’ll hear in response.  What’s in your wallet DRIVES the justice system (and we don’t even realize it).  That’s why we … as a collective body politic … need to get at the truth of what is going on and then deal with it in an appropriate, albeit civil manner.

The system revolves around the dollar … how it is made … and how it is spent.  Once you get a complete “handle” on that concept, your life will be easier and your “system of things” will change for the better.  Until then, the justice you think you deserve is like the glass half empty.   Every American is affected by it.   It’s a mindset that has to change if America is going to survive the recessions and political upsets of the future.

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