Category Archives: Other Relevant Issues

For Those About To Rock …

This would mean you’ve had enough of your mortgage loan servicer!

One of the reasons I write on this blog is also to direct you to my Substack page.

I realize that hundreds of you have subscribed to this page because this blog has been up at just about the time I published my second book, Clouded Titles!

TIPS ON HANDLING ISSUES WITH YOUR SERVICER (posted as a courtesy):

  1. Don’t be afraid to send out periodic QWR’s (Qualified Written Requests under RESPA Section 6).
  2. Any requests for a QWR must go to the servicer’s QWR address … don’t make the mistake many homeowners do and send QWR’s to their general mail stop. They’ll never get answered and they don’t qualify as QWR’s.
  3. In a foreclosure scenario, assume the servicer is trying to reimburse itself, which is why, as part of your DVL (Debt Validation Letter), make sure to ask for a complete file of your escrow account and see how much of it the servicer sends you, especially AFTER the servicers notify you of a change.
  4. You can never see the original note, especially if it’s been entered into the MERS System®, so don’t bother asking for it. You’ll always get a copy, never the original. It’s been shredded!
  5. In Deed of Trust States, be aware that the servicer (not the lender) and its law firm is in complete control of the substitution of trustees! That’s a breach of contract because the Deed of Trust clearly states that the Lender can only substitute the trustee (unless you’ve signed a MERS RIDER)!
  6. In Mortgage States, law firms that send you notices are debt collectors and the specific FDCPA language must appear on their letter in plain English in a notable area of the letter. If you need further guidance, you might wish to grab a copy of my FDCPA book!
  7. In all debt collection cases, if you don’t respond in writing, the party sending you the letter will automatically assume the debt to be valid. If it involves a mortgage loan, you need to research to see whether or not your lender still exists because that originating lender was paid off at closing!
  8. When using QWR’s, don’t hit the servicer with 50 questions. Some foreclosures can purposefully get dragged on by homeowners who send 2 or 3 questions at a time and a month later, after receiving the results, send out follow-up letters in response to the first set of questions, asking for more information. I’ve seen foreclosures drag out 2 to 3 years longer because of QWR’s being sent to the servicers. Read your mortgage security instrument! The Loan Servicers are in complete control after the loan closes!
  9. Don’t be fooled into countersuing closed REMIC trusts. I find the smart homeowners are suing the servicers and their attorneys instead! LOL
  10. Doing case research is probably the most important thing you can do if you find yourself in a predicament with the servicer (alleged default, escrow problems, etc.).

Again, thanks for visiting. I know I haven’t posted here in awhile but it doesn’t mean I’m still not available.

Send documents for review to cloudedtitles@gmail.com.

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For those who want a foreclosure defense education … we have new stuff you need to know!

Go to my Substack Page!

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CONSUMER ISSUE: Only One Savior

(Op-Ed) — The author of this blog postulates the following content as “IMHO” and not as legal advice. You can hear the author of this post on live stream at The Power Hour, Monday-Friday from 11 a.m. to 1 p.m. (Central Time) by clicking on the link LISTEN NOW. This website, like the radio broadcast conducted by this author, attempts to be solution-based. After all, wouldn’t you rather be part of the solution than part of the problem?

THE PROBLEM YOU DON’T WANT TO BE A PART OF

One chooses whether or not to participate in a civilized society. When society becomes reckless and self-indulgent, one moves away from the “terms and conditions” one abhors, or at best, cannot live with. Understand that this author did not want to utilize the term “political”, but, ahead of prostitution, it’s the first-known, oldest means of power in the history of man. Prostitution is the second-most, oldest means of power for obvious reasons. When you self-indulge … and “pay” for your self-indulgence … you give up your power. Of late, politics has turned into the national whore.

As you may have heard on my radio show, The Power Hour (and I’m writing in first person now), the show is all about solutions. Given today’s political climate … and how we got here … we’re all looking for a savior and our “focus” has been diverted away from the real “Savior” and onto a “political savior” who is going to rescue the United States from all of its maladies and political corruption. Many a politician has promised to “do right” by his constituents, only to end up becoming corrupted and thus catering to the elite who want to control the world (and the U.S.). In order to control America, the powers that be have to convince you to give up your guns. So many different authors have postulated various titles all relating to a “great reset”, wherein no one owns anything, but they would still be happy.

This unfortunately, is all left-wing dreaming. As I have expressed on my radio show, there is only one political party in the United States that represents “We the People”. Those who represent us keep referring to this political system we live in as a “democracy”, when in fact, America was founded as a Republic (as in “and to the Republic, for which it stands”). There is no other term contained within the Pledge of Allegiance. However, I sometimes wonder exactly WHAT people are pledging their allegiance to when the government fails to do what America’s Constitution, Bill of Rights and Declaration of Independence set forth initially. Anyone looking inward at America only sees strife, division, loss of liberties, death and destruction. The fact that the majority of Americans are suffering from cognitive dissonance makes things worse as it is very hard to fully comprehend the nature of what has befallen us to date.

All of what has occurred in America did not just happen by accident. It was all by design. Our educational system has been perverted since the 1940’s. Modern medicine has been perverted since the 1930’s. The financial system began its downslide in 1871 and became further entrenched in financial control since 1913 and now faces the serious consequence of technology in becoming digitized, where Biblical-thinking folks are eyeballing this as the Mark of the Beast. Because of this worry, these people are being demonized by the left-wing media, which has been perverted since the 1950’s. There is no real news anymore. It’s all political propaganda further designed to polarize America, tear down the family unit (perverted since the 1960’s) and destroy America’s capitalistic values (perverted since the 1980’s). The end result: the goal of today’s politician is to convert America into a Communist state. We the People are allowing this to happen because we’re waiting on a “savior” (Trump or whomever promises us they’ll “drain the swamp”). These ideologies are misplaced.

The left-wing extremists want the same thing as the right-wing extremists: control over the individual.

If there is any hope for We the People, our “Savior” has to be Jesus Christ (the Son of God), who gives us eternal hope … and whose Father has commanded us to “study to be quiet, and to do your own business and to work with your own hands, as we commanded you … that you may walk honestly towards them that are without, and that you may have lack of nothing.” (1 Thessalonians 4:11-12)

If you have regarded the previous passages with any thought whatsoever, you can certainly understand why America has turned away from God and has put its faith in government instead. There are some known certain facts which have to be outlined here (in each of the following four paragraphs):

PROBLEM #1:

The American family unit was deliberately and purposefully divided, most recently via social media and what the U.S. government has termed a “vaccine”, when in fact, it wasn’t a vaccine at all. Genetic warfare has been allowed to manifest itself through a bioweapon called COVID-19, which stands for Certificate of Vaccination ID (the “19” part is Artificial Intelligence, with the “1” representing the letter “A” and the “9” representing the letter “I”, as in “AI”). Our own government and its “deep state” bureaucrats have brainwashed over 220-million Americans to take a genetic therapy drug that was designed and patented to cause our entire immune system to break down and to infuse each of those injected with a “kill switch”. It has been predicted that within 3-5 years, the population of America will shrink to 95-million from its current 333-million, all by design, through a new disease called Sudden Adult Death Syndrome, for which there is no explanation. This too is the result of medical tyranny.

PROBLEM #2:

The American family unit was and still is being further subjected to satanic behaviors, starting with the indoctrination (by the left) of our children, who are being subjected to the watered-down dilution of their history, replaced by the values of self-doubt of their very own existence as to how God set forth their human characteristics and replaced them with confused states of consciousness as to their own sexual beings. This is being accomplished by various schools, especially in the liberally-run “blue states” (and even in some of the “red states”; why we even have to have the labeling of these two centers of thought illustrates the division caused by our political system), by critical race theory and transgender ideology. All those who have turned away from God and replaced Him with satanic practices and choose to worship false creatures will be judged accordingly. These educational institutions have become unproductive and run counter to American values of old. The average American does not even understand what their rights are any longer. This became more manifest as of March 17, 2020, when the greater part of this country was locked down, wherein Americans were glued to their TV sets being programmed by the liberal media with fear mongering, which continues to run true to this day.

PROBLEM #3:

Over 85-million Americans are “awake” (as opposed to “woke”) and feel disenfranchised, given what they suspect happened in November of 2020. Anyone looking at the lock downs in America and the end result of the widely-politicized “bloc voting” by mail-in ballot and the suspect issues involving the election process now see America’s political and judicial system for what it is: truly corrupted. The challenges to suspected election fraud have been brought forward into a justice system that has been deliberately crippled (since the 1940’s) and no longer serves the interests of the American people, but has been turned into a system of political puppets, flayed open by the media as to its political whims. We the People cannot get a “fair shake” (for the most part) in any court in this country, including having matters fully vetted legally regarding what many term “a stolen election” of our presidency. Many do not regard the current administration as legitimate. Can you blame them?

PROBLEM #4:

As the result of Problem #3, we have runaway inflation, runaway spending, high gas prices, green new deal practices that have no real plan of function other than to further cripple Americans’ ability to survive, all accompanied by a man-made food and supply chain shortage. This is not Y2K anymore. This is real. You have over 100 food processing plants burning to the ground … of course, all accidental. Yeah right. You have farmers being told they must cull their herds, thereby decimating their businesses and creating further supply chain-related food shortages. Now the U.S. government wants 87,000 new IRS agents to comb through all of your tax records, looking for ways they can fleece you for more tax dollars … all while the majority of Americans sit idly by, watching Netflix on TV, worrying about their toil, their next meal and whose going to save them from all of this government stupidity. Because of the decimation of our political system, we are about to become involved not only with a war in Ukraine, but also in a proxy war over Taiwan. In essence, America will be fighting Russia and China … and the results will not be pretty. Our Southern Borders have been allowed to be invaded and our country is being overrun by socialist-believing illegal aliens who all think that “Biden” invited them to come so American taxpayers can foot the bill to introduce our society to cheap labor while the rest of America rots in hell.

America truly has lost its way because the majority of its people put the government first and not God.

THE SOLUTIONS YOU WANT TO BE A PART OF

Any right-thinking American has done enough research to understand that anyone that got COVID-19, especially those who have been injected with the actual virus, have been attacked by a bioweapon and the suggested solution here (not medical advice, but what a lot of front-line doctors are recommending) is to supplement your immune system with proteolytic enzymes to thwart the spread of the spike proteins that have invaded your bodies, either through the disease itself (also man-made and patented), because most right-thinking Americans understand what the real “truth” is behind the creation of the virus as a means to depopulate America. The only salvation you now have, via healthy living, is to change your diets and means of livelihood to accommodate what was previously discussed in the Biblical passages first presented in this post.

Those who are in a position to downsize and move to more “free and independent” States of the Union need to formulate a plan of action of migration to safer climates. Those living in major cities are now at risk. Those living in colder states are more at risk come winter when oil prices and food shortages are going to have a serious impact on our well-being. If you have lots of “stuff” you can unload in yard sales, now or on FB Marketplace or eBay, now would be a great time to do that. Use the proceeds to stock up on long-term food supplies to sustain your family until the political crises subside. These crises will not subside however for at least two years, so you can plainly see the gravity of investing in real estate when the markets are going to again, succumb to a wave of foreclosures to the likes of what America saw in 2009. Buying acreage in certain areas of the country is still affordable.

If you are in a position to pull your kids from public schools, do it … and homeschool them. If you are not living in a State of the Union that supports homeschooling, then move to one that does and homeschool your kids. DO NOT ALLOW YOUR CHILDREN TO BE “VACCINATED” WITH ANY COVID-19 SHOT. If you have not been paying attention, certain states and school districts are mandating it and you cannot allow your child to be killed or injured by these jabs as you as the parent will be faced with caring for a child that may end up dead or severely injured … and yes, that’s on you as the parents. The government lied to you when it said these shots were safe and effective. Again, another yeah right. In other words, whatever the CDC, NIH, or any other medical outfit in the government tell you, it’s a lie. Do just the opposite. It’s not unAmerican to say “NO!” It’s a means of self-preservation.

As I promote on the show, it’s all about community. Your local community. If your State of the Union is embroiled in dirty politics (which generally the blue states are), focusing on what your State is doing serves no purpose in your local community’s attempt to survive. You need to get involved at the county level. You need to become acquainted with your Sheriff. Join the CSPOA and get active in your local community. Find out who the major players are and ask them what they’re doing to help solve your community’s energy and food crisis. If they think there’s no food shortages or energy crises, they need to be replaced by right-thinking Americans with conservative Christian values (the liberal value systems are NOT working). Ye shall know them by their fruits.

Get involved in your county’s election system. Become a poll worker or poll watcher. Monitor every single aspect of the election process in November. Have your cell phone at the ready to record any malfeasant behavior (harassment of poll watchers, boarding or papering up of windows, all the crap that happened in 2020, etc.) and be ready to call 9-1-1 and get the Sheriff out there. Report what you’ve seen and demand the Sheriff enforce the election laws of your State (which would mean you’d have to know what those laws were, right?).

Set up barter networks. Take on a skill to supplement your barter-ability. If you have a service you can barter for that can operate in a down grid situation, even better. This can only be done on the local level. Get plugged into existing farmers’ and flea markets and ask who (vendors operating in those farmers’ or flea markets) would be open to barter. In the event the real SHTF, you’re going to need to make connections. You will especially need those connections in the event America is attacked directly (and not just by a nuke). See the attached report below by one of the guests on my show. I’ve interviewed state senators on my show who all say EMP is not a matter of “IF” but “WHEN”. They believe it will happen, if not by a deliberate nuke overhead, but through coronal mass ejections or solar flares.

If your home or vehicle is not protected, it should be. You can use my show promo code “TPH” (for The Power Hour) on the EMPShield.com website to get a $50 discount. You should access the free library on the EMPShield.com website and read ALL of what’s available. You will be convinced, if you’re not already.

You will need alternate energy sources that are protected and you can get more details from these reports.

Here are some other solutions (in brief): firewood supply, alternate fuel supply, solar powered generator (to run minimal appliances, provided they still work), manual kitchen food prep items, several months of food storage, emergency means of obtaining water. Running out of toilet paper will be the least of your concerns if you have no access to water. Reports are included in this post that cover a lot of this stuff.

And last but not least, if you have the ability to stock up on guns and ammo, do it. You will (at some point) have to protect your homestead from intruders, which could be any enemy of the Constitution, both foreign and domestic. A box of rounds and a shotgun isn’t what we’re talking about here either.

If the SHTF, you will be talking about civil unrest of massive proportions. It will start in the major cities and spread slowly out into the countryside. You definitely want to be a part of the solution, not the problem. Those living inside of major metropolitan areas will suffer heavy casualties as the system of things implodes (within 72 hours). Those who are part of the problem won’t be around to see the end result. Those flying on aircraft if an EMP hits (about 3,000 aircraft are airborne at any given moment) will plunge to the ground, taking out residences and commercial buildings when they hit. Nearly a half million will die just in that event, both from the airliners and those on the ground hit by the planes and/or their debris. Cars on the roadways will cause instant gridlock. Only those with EMP Shields in their vehicles might be able to navigate their way around standstill traffic, at risk of being carjacked by those who are stranded. SOLUTION: Navigate only on passable roadways (that have shoulders and lots of access points on them to avoid being stuck (and less bridges, which will jam up immediately and remain gridlocked forever). The idea is to know your back roads and be able to get home, your safe spot.

You also need to be aware that in a grid down situation, 9-1-1 and law enforcement will NOT be available and you are on your own (think Wild Wild West). Those without the means to defend themselves will be killed by intruders and home invaders who will come for them and their “stuff”. Nothing that uses electricity will work, so your alarm system and your home telephone won’t either. Law enforcement will be incapacitated and more than likely, will be trying to get to their homes to defend their families. I can guarantee you they won’t be afraid to shoot home invaders so why should you? This comes as a shock to many of you, because the invaders may be unprepared neighbors (who have guns) that know you have power, can smell your food cooking and want what you have and will use any means necessary (and that means ANY means necessary, including violence).

THE GOVERNMENT IS NOT YOUR SOLUTION

God gave us all free will. He gave us the opportunity to gain knowledge. Having your butt parked in front of the TV half the night because of your insomnia (due to worry) only adds to the problem. The way most Americans are reacting these days is like the housewife who proceeds to vacuum the house after hearing an incoming nuke is headed in her direction. Wisdom is knowledge applied. You can only do for yourself first before you can help your neighbors. You cannot expect the government to help you. Example: Hurricane Katrina. Instead of helping those affected, the government sent SWAT teams door to door to confiscate peoples’ guns. You need to understand government mentality. Everything the government touches turns to shit. You have to put your faith in God and use wisdom in dealing with crisis situations rather than simply putting a bullet in your own head. THAT is definitely NOT a solution worth pursuing. Don’t think you won’t hear of a rash of murder-suicides happening if the SHTF. It will.

Whatever your priorities are in life needs to be evaluated now. Multi-billion-dollar entities like Vanguard, Black Rock and State Street, who are accumulating properties to rent from those being foreclosed on, will find themselves in a world of hurt if EMP strikes because no one will pay rent to them and they will be powerless to collect it. Any “on foot resistance” will likely be met with gunfire. They won’t risk that either. The government has used our tax dollars to fund its own solution … Faraday cages underground. If we experience a grid down situation, all those government employees will forget their allegiance to Uncle Sam and bug out away from the government, who elitist leaders do not care about them.

Sometimes I wonder that an EMP event like the Carrington Event of 1859 might not send enough of a sign to those who remain ignorant that their world is fragile and vulnerable, like the U.S. power grid. Renewable energy involves electronics and electronics can be destroyed in an EMP event. So much for the green new deal, eh? The more this administration pisses off Russia, China, North Korea and Iran, the more likely an EMP event will occur. America’s political leaders will find themselves in the same boat as the rest of us and there are those who will hunt down these unfaithful, self-serving politicians and give them their just rewards.

God gave us free will. He gave us the opportunity to possess knowledge. Wisdom is knowledge applied. God gave us that too. If we choose to make Jesus Christ our Lord and Savior then and ONLY THEN will things be made manifest and the truth shall be exposed for what it is. Do not be overburdened in thought or overwhelmed by it all. After all, the way to get rid of the elephant in the room is one bite at a time.

Listen to The Power Hour for more details and information.

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The FDCPA, Debt Collection and Bona Fide Errors

(BREAKING NEWS) — The author of this post is a paralegal and consultant to attorneys regarding real property, foreclosure and consumer issues. The concepts contained within this post are for educational and research purposes only and should not be construed as legal advice. In the event one should find this material useful, it is highly recommended that one consult with an attorney who is not only well versed in these matters, but with an attorney who has a winning track record on debt collection issues, like the cases discussed herein.

Every so often, a debt collection case comes across my desk that contains multiple plaintiffs and thus warrants attention, especially because the federal appellate circuit reversed and remanded the cases back to the district courts from whence they came because the panel agreed that the federal district court erred in its 16-page ruling on particular facets of the cases in chief.

This particular case centers around what is termed “bona fide error” caused by the debt collector and/or its attorney(s). See the case below:

In this particular case, both Plaintiffs decisions were rendered by judges within the same division of the same district … the Southern District of Indiana, Indianapolis Division (including the Chief Judge). The cases were merged because of their similarities in arguments. Both cases were argued before the 7th Appellate Circuit Court of Appeals on December 14, 2021 and the ruling was issued on February 2, 2022. The backgrounds in each case are pretty self-explanatory.

In Ewing’s case, it took the debt collector two years to acknowledge that the alleged debtor disputed the debt collection claim. When Ewing looked at her credit report and saw the alleged debt was misrepresented, she decided that the misrepresentation of the debt under 15 U.S.C. § 1692e(8) was violated by the debt collector and filed suit. In Ewing’s case, as typical, the federal district judge ruled for the debt collector, who claimed that the error was unintentional, thus invoking the bona fide error as its affirmative defense.

In Webster’s case, she discovered an error on her credit report she did not believed she owed. Through counsel, a dispute notice was faxed to the debt collector. However, the dispute notice was faxed to a number the attorney thought was a viable fax number, which turned out not to be the case because the debt collector, on its own volition, decided to remove the fax number from its website and stopped checking its inbox for new disputes. Webster sued because the debt collector misrepresented the fact her account was in dispute, which in turn harmed her credit score. The debt collector of course, claimed it was excused from 15 U.S.C. 1692k(c) because of a bone fide error as its affirmative defense.

Both cases involved negative reporting by each debt collector on the consumer’s credit bureau reports, which was part of the issue discussed in both cases because each had a “published injury” (misrepresentation of the actual facts of the matter).

Significantly, both debt collectors raised a “standing issue” argument. Both claimed there was not sufficient enough of a “concrete injury in fact” (as outlined within the U.S Supreme Court) and alleged there was no case or controversy for the court to rule on.

The appellate court discussed the issue of what constitutes “a concrete injury”, bringing to bear several U.S. Supreme Court issues, including Spokeo, Inc. v. Robins, which this author brought forward to some degree in his FDCPA book (see the website for details by clicking this link). While the nation’s highest court generally rules within very narrow margins, the discussions within this case are quite lengthy in explaining the various “harms” and whether they constitute an injury in fact, a requirement for any federally-based debt collection action, whether tangible or intangible.

The cases then turned on the key issue here of “bona fide defense”, citing multiple cases, including the infamous Jerman v. Carlisle case (cited within). As the cases drew to their conclusions, the appellate court determined that the errors in both instances could have been avoided if reasonable procedures had been in place and thus disclosed and identified by the parties as reasonable. Such was not the case in either instance according to what this paralegal read (see Pages 15 and 16 of the ruling for the double whammy on both debt collectors).

And this is why we have appellate courts (because the district courts have a propensity to misinterpret the law as it is written, in this case, the Fair Debt Collection Practices Act. What most folks don’t realize when initiating these suits, are the following takeaways:

  1. A person filing an FDCPA suit has to have a legitimate “injury-in-fact”, whether tangible or intangible, that can easily be interpreted by the court;
  2. The injury-in-fact must be “concrete, particularized and actual or imminent” in order to stick;
  3. When examining case law, especially regarding the FDCPA, understand that these suits are normally brought in U.S. District Court in the district in which the Plaintiff resides because cases in controversy (many times) cross state lines;
  4. That an attorney bringing these claims needs to fully understand the principles discussed within the cited cases in this instance, which is why this author decided to bring this case forward for further discussion;
  5. There was no evidence that any state-based claims were brought forward in either instance, because the Plaintiffs’ attorneys knew that the debt collectors were out of state; thus, both claims were federal matters; and
  6. As noted in cases like Jerman, this author constantly sees the application of the bona fide error defense used affirmatively by debt collectors whenever possible because of the narrow ruling by the U.S. Supreme Court “walks a fine line” in the district courts, where district and circuit judges (like those judges in foreclosure cases) in most instances, rule on behalf of the defendant debt collector (bank, alleged lender) a majority of the time, which requires an appeal.

Despite the fact appeals can be costly, they are more effective in setting good case law, which is why this author chose to post THIS case to enhance one’s “learning curve” when it comes to understanding and recognizing when one has a case versus when one doesn’t.

As a footnote, one should be prepared to litigate this case to its final conclusion; thus, cases like this, which can turn on a dime, are not for the faint of heart and those without the budget to do so.

Listen to Dave Krieger on The Power Hour, Monday-Friday from 11:00 a.m – 1:00 p.m. Central Time.

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Other relevant issues

The author of this post is currently a radio talk show host on kdwradio.com (City Spotlight – Special Edition) and has (for the last 2 years, on numerous occasions) had on guests that have been fighting their foreclosures for over 13 years, as well as attorneys who have fought foreclosures in the courts across America. Any content shared on this post is for educational purposes only and thus, cannot be construed as legal advice.

If you look at the bottom of the Clouded Titles Blog page, you’ll notice at the end of the script at the very bottom, it says “… and other relevant issues.” There was a reason for adding this phrase because from time to time, consumers can (and are being) affected by more than just foreclosure. The author wishes to take advantage of that phrase to address some other issues that are currently plaguing America besides the looming foreclosure crisis redux.

AT WAR WITH OURSELVES

From time to time, you’ve heard the saying, “We are our own worst enemy.” The “We” part of that has been twisted up in knots to currently mean, “We the People” (from a Constitutional perspective).

When I was guest hosting on The Power Hour in July of this year (I’m getting ready to move into the full-time show host slot on that channel soon), I interviewed Dr. Naomi Wolf, whose Twitter and now YouTube accounts have been deleted because of comments she made on those sites that were deemed by the moderators of these two platforms as “misinformation” or “against policy”. Dr. Wolf has taken up the issues of “masking” and “the jab” and “choice”.

Since when is free speech in America against policy? When it appears not to conform to the platitudes of social media.

I will tell you in the here and now that Dr. Wolf’s interview was “challenging” because despite our commonalities and beliefs in the Constitution (she’s a die-hard liberal Democrat and I’m a Libertarian; however, I do not espouse everything with the Libertarian mindset, but almost everything) she is still a human being with a right to her opinion, just as you as an American, under the protections of the Constitution, are entitled to your opinion.

OPINIONS? EVERYONE’S GOT ONE!

The major problem we have today is the apparent inability to share our opinions and ideas without fear of being banned, suspended, disgraced or censored by some social media platform … or having our sites or comments deleted because we attempt to share research or concepts by which we desire to shape the opinions of others.

Part of the problem with Big Tech is that it is one-sided and rather tyrannical. Yet many choose to continue to support it by maintaining channels within its platforms. The author had to ask himself that if Dr. Wolf, a liberal, could be so easily censored, then when can this author expect the same treatment from social media because he seeks to help others by sharing information that can help shape ideas and opinions and cause others to actually “think”?

America has fallen victim to political subterfuge, cancel culture and demonization. These, by definition, are very dangerous obstacles to the Constitution of the United States of America. When we are not allowed the freedom to speak, to share ideas, to congregate and discuss the “relevant issues” of the day, we are faced with tyranny.

America has never been a country to tolerate tyranny … at least up until now. Tyranny has been nibbling away at the very foundations of what has made America great. (I’m not a “Trumper” … I’m a “Trumpeter”). There is no need (in the author’s book) to make something great “again” that has always been “great” in the first place. I do take issue however, with what BOTH “sides of the aisle” have done to this great nation of ours. We the People have elected a president and congress (whether you choose to believe is “legal” is still up for debate) that have literally wrecked America for the time being. We the People have been given “options” to face, all in the name of survival.

In New Zealand, one reported case of the Democratic Flu and the entire country was shut down with the woman prime minister telling each citizen to “stay in your bubble”. America experienced something similar back in March of 2020, when its citizens were all told to “stay in their bubbles”. Don’t congregate, don’t socialize … just sit back, watch your favorite Netflix shows and watch and listen to “mainstream media” program your mind with fear and thoughts of rejection and white supremacy. It’s no wonder the rates of suicide and opioid overdoses skyrocketed during the balance of 2020.

REMEMBER WHAT “PROGRAMMING” IS?

The media doesn’t refer to the content of what it presents as “programming” for nothing. Having been in the media for a number of years (since 1968), a majority of the “programming” this author has seen evolve has become a “tool” of politization and mind control. The constant bombardment of the liberal establishment has turned our collective minds into goo, while the constant bombardment of the conservative counter programming has attempted to shift our attitudes away from the liberal attitudes we’ve been programmed with for over a year of lockdowns with attitudes of fear. I take issue with both sides because the programming that has been expressed (in any media) has been rife with politics with no basis in real fact or data that is believable, but rather based on emotion. If one sits in front of the tube night after night, day after day, watching all of this “programming”, one might be left in a state of hopelessness and despair, thinking there is no other way out of these “doldrums”, without taking some sort of evasive action to escape it.

You can’t go anywhere these days without seeing someone and judging them more harshly than you used to because of cancel culture programming. Parents are now rising up against teachers and school boards who have taken up the task of programming their children with critical race theory, which in the end is counterproductive to a free-thinking society that has been stripped of its ability to walk around this earth in love. How can one be a member of a civilized society if they’re being programmed with hate, fear and self-loathing? Being told you’re less of a person because you’re “white” and you should be ashamed of yourself is “going off the deep end” because it’s an extreme attitude and generally, extreme attitudes are avoided by the human mind based on cognitive dissonance.

Cognitive dissonance is the mind’s ability to reject those thoughts that the soul finds disconcerting and unbelievable. But what happens if this “programming” is spoon-fed to our nation’s children day after day, week after week and month after month, followed by, “Okay, kids, go home and have a nice summer!” That’s like training a terrorist to go home and disrupt the family unit because your kid has spent the last 9 months in a “training camp” that has programmed him to fear, hate and feel less than a human being.

The one thing about cognitive dissonance is that counterculture programming over time can reshape the mind to believe anything those tasked with reshaping the minds (of our children) are allowed to get away with. This is why you see parents screaming at school board members about the way their children are being “educated”.

As in the days of Nazi Germany, propaganda minister Josef Goebbels proclaimed that if you lie to people often enough, soon they will come to believe it. History has taught us just how effective this “programming” was. Now you have the Department of Homeland Security. Back in the days of the Third Reich, Hitler referred to Germany as “the homeland”. History does repeat itself and those who are ignorant of it are condemned to repeat it. (Georg Satayana) This is why the woke in this country want to tear down statues and promote racism and fear because if you can change society’s way of thinking and program its citizens to accept government control, you can change the entire landscape to become government-dependent. That … is socialism.

Socialism on paper looks great … but in practice? It’s been tried in other countries around the world and has failed miserably.

Remember what happened in Nazi Germany prior to WWII? First came the proposition of gun registration. Then came gun confiscation when people refused to give up their guns voluntarily. Then came demonization (of those Hitler thought were not justified to be citizens of the “homeland” because of their race, color or religious beliefs) of certain factions of society. Then came the political polarization of the masses. Then came the “rounding up” of those factions of society that were to “blame” for society’s problems. Then came the concentration camps.

Now see what is going on in America … as history unfolds. We now have gun registration. But we also have concealed carry permits in many states. Gun confiscation has not occurred yet because not enough Americans have been deemed mentally unfit to possess a firearm. We have more prisons here than any other nation in the world. We have Rex84 Program style concentration camps that are currently housing illegal immigrants awaiting deportation. Americans have been placed in a state of fear because some virus has been portrayed (through programming) to them to be deadly and thus promoted the separation of the masses so that ideas of what constitutes “deadly” and who’s “at fault” for letting this virus into the country, which amounts to a biological attack on the United States. Then the cancel culture starts up, first by censorship, then by being spoon-fed lies based on emotion, followed by mandates of some kind or another to impose social controls.

The foregoing are relevant issues because Americans can control their destinies if they choose to. They have the mindset to resist programming. The question is, do Americans have the mindset to resist react accordingly? Or have we collectively been reduced to a puddle of pudding?

FOR EVERY ACTION, THERE IS AN EQUAL AND OPPOSITE REACTION

This section was the author’s favorite (and final) section to write. Little did Sir Isaac Newton figure into the equation that in today’s political climate, the “just desserts” side of things is nearing critical mass.

Understand that those who have done their research understand that taking “the jab” could be lethal or produce undesirable consequences, such as rendering one a vegetable or even worse. For every government scientist that spews for the “safety and efficacy” of today’s known Emergency Use Authorization so-called “vaccine”, the equal and opposite reaction is frontline doctors who have looked at the data and disagree with what the government-sponsored scientists are saying.

The following factors have “put the kettle on to boil”:

  1. The Department of Homeland Security has now declared that all those who are “unvaccinated” should be considered “unpatriotic” and a potential “enemy of the state”.
  2. The “narrative” involving how We the People should behave socially keeps changing. First, we are told to stay home (lockdown) for our own good. We stay home and then what else is there to do besides yard work and chores around the house we couldn’t get done earlier. Second, we are told to wear masks everywhere because it’s for the good of those around you. Lord knows we don’t have enough common sense to stay home when we’re sick, right? So the government should do your thinking for you. Third, we’re told masks aren’t effective. Fourth, we’re told that the shot is “safe and effective against COVID”. Then the data prove that most of those getting the shot are coming down with COVID. Is America confused? Confusion causes panic and panic is a great motivator towards self-destruction or destruction of others.
  3. When we question the “science” and the “data” we are shamed by the government and others, censored when we try to express ourselves; and subsequently told simply just to shut up or be deleted from social media, which inherently is demonizing. This is Big Tech censorship, working hand in hand with the world’s elite to silence the dissidents.
  4. We were lied to about the conditions on the ground in Afghanistan. We were lied to about the condition of the Afghan military. The White House says one thing and the boots on the ground and the Pentagon says quite another. We were lied to about where the tens of billions of dollars were spent on a 20-year war. We were disillusioned by what we saw of all of the military equipment and inventory left behind as a waste of our tax dollars.
  5. 80-million plus voters feel disenfranchised because they think the 2020 election results were manipulated. Given the widespread auditing going on and the newly-discovered irregularities in the states’ election systems, can you blame anyone for the way they feel?
  6. The unnecessary killing of an unarmed veteran, Ashlii Babbitt by Capitol Police Officer Lt. Michael Byrd, who is being hailed both as a hero and as a victim. There are a lot of unanswered questions as to why a police officer can kill an unarmed American protester and not have to answer for that. But then again, the rules of engagement changed at Ruby Ridge and Waco and people died because it’s okay for government agents to shoot and kill innocent women and children all the while demonizing them in the media. It’s amazing that then-Attorney General Janet Reno said, “The buck stops with me.” Sound familiar?
  7. The government demands we comply with all of these COVID directives, yet the hierarchy, in complete disregard for the safety and welfare of Americans, opens the southern borders up to hordes of illegal immigrants to flood into the United States and then puts them on buses and planes and ships them off to various U.S. cities. Many of those came across the border with COVID. Many snuck across the border under stealth and managed to avoid authorities and are now “at large”. Doesn’t this kind of give you an unsettling feeling? To think that actual terrorists could be among those who snuck into America did so with the intent on committing acts rivaling those that occurred on 9-11.
  8. Many Americans have a sinking feeling about who they put into office, especially when they look at the rate of inflation and runaway spending sprees that Congress is putting into motion. The Keystone Pipeline has been shut down and now we are dependent on foreign oil again. When you have to start paying $5.00 a gallon for gasoline (if you’re not already), you have less money to buy groceries with. With energy prices going up as well, how long do you think it will be before people hit “the end of their rope”? How long can America tolerate a leader in the White House with a mental acuity of a 2-year-old before people snap?

Texas and Missouri just won a major challenge to the U.S. Government’s blunders to allow runaway immigration and their case went all the way to the U.S. Supreme Court, where the nation’s high court ordered the reinstatement of the Remain in Mexico policy enacted by then-President Trump. It is not known yet whether the government is going to comply or whether the federal judge that issued the initial order is going to have to hold government officials accountable (in contempt) for violating his orders.

While all this is going on, Americans are voting with their feet and protesting against Blue State regulations. They are moving from Blue States to Red States. It is shameful that we have allowed politicians to polarize America into Dr. Seuss-type, “One State, Two State, Red State, Blue State” labeling. Angry American citizens in Red States continue to arm themselves for what this author has ascertained is the perception that America is facing another Civil War. What? That can’t happen here, right? History repeats itself. As long as we have a government that thinks that White Supremacists constitute all Republicans and business owners, and “woke” corporations treat American workers like they have been over refusing to be vaccinated, America is in serious trouble.

Health care workers worry about the collapse of the health care system due to walk-outs by those who won’t take the jab. Threats of imposing a “no-fly” list have put another layer of anxiety to the minds of unvaxxed travelers, who fret that an struggling air traffic system will be more heavily regulated, all in the name of “patriotism”.

Governors of several states have imposed mandatory this and mandatory that. Prosecutors won’t prosecute those who loot stores and burn buildings to the ground. Judges let repeat violent offenders out of jail to roam the streets and do the very same heinous acts again. Misguided leftists keep screaming to defund the police, to the detriment of law-abiding citizens. If this behavior is allowed to proliferate, Americans will be forced to stand their ground vis a vis the “castle doctrine”, which every American should be aware of and be prepared to effectuate if the need arises.

In the meantime, many Americans, in that equal and opposite reaction, while trying to maintain some semblance of civility, biding their time, biting their tongues while buying more guns and ammunition, getting ready for the ultimate throwback in U.S. history, another Civil War, which they believe is inevitable.

Sadly, more negative than positive history will soon manifest itself and Americans need to be vigilant and prepare for the backlash that could soon permeate the countryside. God Bless you and God Bless America.

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