(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.