Tag Archives: foreclosures

COVID, COURTS, CIVIL UNREST, PANIC, FEAR AND FORECLOSURES = A COMBINATION FOR DELAY; UPDATE!

(BREAKING NEWS – OP-ED) — The author of this post brings you this not-so-humble opinion without the slightest intent of giving you legal advice.  The system has it all set up to favor the attorneys for that purpose, so that’s where you get legal advice.  On this blog, you get news, opinions and suggestive commentary and education, which is perfectly legal because freedom of speech … as I believe we still have freedom of speech … exists in a forum of expression as we know it. 

UPDATE: 

Regarding foreclosure potential … 

Remember Plan B?  Home prices are taking off, upwards, up 4.8% in May (from last year).  Much of this is due to two things: (a.) the low interest rates being offered home buyers, even in this “false flag pandemic attack”; and (b.) low inventory.  This means that home prices could stay “up” as long as the stimulus packages keep coming.  According to Black Knight Financial Services (who likes to make up shit documents catering to foreclosures and monitor its brouhaha and later brag about it), 4.1-million forbearance agreements have been inked.  This means homeowners will still have to pay all the back payments at some point in time.  With the economy still in the tank (somewhat), it’s highly likely that foreclosures will skyrocket towards the end of the year when this “thing” subsides.

I’m saying this because NOW is a great time to sell your home and scale down.  Move to the country.  Start a home-based business.  Move family in with you if possible and share in the savings.  There are a lot of things that can be said for creating a Plan B, instead of being stubborn about staying put.  If you’re seeing any kind of equity in your home, now might be a great time to cash it out and scale down to something more affordable.

I remember moving out of a bad situation in San Antonio, where I was facing a huge increase in my mortgage payments and I sold the house the day before the new rate kicked in. I moved to the country and ended up mortgage-free. Yes, I had to scale down.  It was a learning curve.  Some lessons were good, others not so much.  But my key point here is that this can be accomplished if you just put some effort into creating a Plan B and then ACTING ON IT!  While the moratoriums are in place is the time to start rethinking your financial strategies for the future, especially in lieu of potential anarchist behaviors (and not just in the major cities).

Regarding civil unrest … 

Two areas of particular interest to AVOID moving to … Minneapolis and Seattle.  Both are run by Democratic mayors.  President Trump just told Minnesota’s Governor (Tim Walz) to go piss up a drainpipe (Walz wanted $500-million from the federal government to repair the damage caused by rioters).  No federal funding for you sir! You sat idly by while Minneapolis burned, as did Minneapolis’s mayor.  You get no funding.  Why should we reward your bad behavior for failing to act in a time when your community needed you?

The same goes for Seattle, whose city council seems to think that cutting its police department budget to zero now will send a message.  It will alright.  1,100 police officers are going to lose their jobs.  Some officers will be transferred.  Analysts say that the major crimes unit (assault, murder, rape) will become virtually non-existent.  Is this a place you’d want to live in?  I look for a mass exodus from both locales.  Soon, we’ll have Democratic sanctuary cities which will have to self-fund and repair their own messes created by gangs, bands of thieves and repeat criminal offenders.  No police means no security.  Add the COVID panic created by the respective state and federal governments (I wonder when the new vaccine will come out and how many Democrats will rush to get it), and you have more political polarization afoot.

No police means increased crime and the federal government will respond only if asked.  Just ask the hierarchy in Kansas City, Missouri. 100 federal agents are moving into the area to arrest repeat offenders and help lower the crime rate.  Kansas City’s Mayor had to ask the Governor to ask the feds for help.  That’s how the system works.  As much as I used to work in media in Kansas City and lived in that area for many years, I’ve got a lot of reservations about ever moving there again.  Like Minneapolis, the riots were bad there too.

For those of you who haven’t heard the new Trump campaign commercial … it really drives home a point about police response (“Your estimated wait time is 5 days.”). I am not saying we can’t recover from this pandemic. But once the evil genie is out of the bottle, it’s hard to stop him from creating mayhem.  If you’re not in a “safe area” now, understand what future repercussions may occur (higher taxes to pay for the residual fallout from neglect) and why it may be best to rethink just how safe you really are.  I’m still a big fan of acreage in the country with a house parked in the middle of it.  It’s not a move to escape from reality.  It’s a way to grow food and survive.

END OF UPDATE!

FEDERAL GOVERNMENT EXTENDS MORATORIUMS DUE TO COVID

The Federal Housing Finance Agency (FHFA) has extended moratoriums on foreclosures and evictions until at least August 31, 2020.  If you have a mortgage that is backed by Fannie Mae and Freddie Mac, rest assured that single-family homeowners got a reprieve, at least temporarily. Roughly 2-million homeowners are affected by this extended moratorium. You can go do a loan look-up on the Fannie Mae or Freddie Mac websites to see whether this applies to you.  I would think by now, you’d know that, especially because you read this blog. You can anticipate that the moratoriums on the federal level will probably continue to be extended as long as we’re in the middle of a perceived pandemic.

STATE GOVERNMENT MORATORIUMS … NOW THAT’S ANOTHER STORY ALTOGETHER

Virginia’s moratoriums ended in May and eviction hearings have resumed. Some 3,000 people are facing being kicked to the curb, mostly for nonpayment of rent. Landlords are reportedly filing lawsuits to overturn the states’ moratoriums, all the while sending tenants threatening letters and text messages demanding rent in lieu of locking the tenants out of their homes. The Low-Income Housing Coalition published a partial list below:

In the following states, the courts have suspended evictions: California (indefinite on evictions), Connecticut, Delaware, Kentucky, Minnesota and Pennsylvania.

In the following states, the governors have suspended evictions and foreclosures: Florida, Indiana, Maryland, New York, New Jersey and Washington State.

In the following states, the legislatures enacted (or are enacting) laws to suspend evictions and foreclosures: Massachusetts and New Jersey (for an indefinite period of time in New Jersey, due to the COVID pandemic).

You should probably check with your individual state’s websites (I’m not going to do all the work for you) to see what moratoriums are in effect and for what purpose and for how long, especially if you’re delinquent in paying either your mortgage or your rent.

In non-judicial states, the banks don’t need the court’s permission to conduct a non-judicial foreclosure; however, where the governors have imposed moratoriums, the banks simply cannot act outside of that mandate.

All of this is because of COVID-19, stay at home orders, lockdowns and loss of income.

Many foreclosure courts have suspended or limited (to Zoom conferences) foreclosure and eviction proceedings because of COVID. Check with your local court to see whether it’s open for business or is conducting emergency petitions as needed.

There are certain states that are definitely NOT homeowner/borrower friendly, where it will be extremely difficult (if not impossible) to get a case fairly decided upon in  the lower court systems without having to resort to the appeals process … my picks are (1) Maryland; (2) Minnesota; (3) Michigan; (4) California; and (5) Washington State.  These are the worst in my opinion, given current case law.  The states that actually have judges who can get past their biases and get to the truth of the matter, or in the alternative, make getting an appellate reversal possible include (my picks): (1) New Mexico; (2) Maine; (3) Tennessee; (4) Florida; and (5) New York (especially in the boroughs). Most of my picks are based on how the courts treat the MERS System® and securitization.  Moreso, it’s about how one approaches the courts and how much attention is paid to their Rules of Civil Procedure and Rules of Evidence. When the judicial prejudices creep in … and you’re not smart enough to object to these prejudices as they apply to civil procedure or evidence, you end up getting screwed with no chance of appeal (all the legal doors are closed) … at least, that’s what the courts want you to think.

In my book, the States that have the MOST corrupt judges are (my picks): (1) Alabama; (2) Georgia; (3) New Jersey; (4) Colorado; and (5) California.  I ranked Alabama first because of its staunch prejudices. Georgia was ranked second because of its history (debtors’ prisons).  New Jersey was ranked third because of several cases I’ve been involved with that should have gone in favor of the homeowner but even in light of the Kemp decision, judges there are all pro-bank … and there’s no getting around that stigma. In Colorado, judges there can get you killed without any remorse from them or political blowback on them.  I base that on the several cases, including the death of Martin Wirth, which seemingly never got justice because the homeowners got boo-f00ed in the Rule 120 courts.

Add COVID-19 to the mix … given the fact that 99% of all government-paid employees … and that includes judges … believe everything their government tells them, even if it has no scientific basis in fact.

NOW THAT WE’VE COVERED COVID AND THE COURTS … LET’S TALK ABOUT CIVIL UNREST

The Mayor of Atlanta (who is of African-American descent … shit … you mean if I’m not politically correct, I’m screwed?) has urged her city’s residents to stop the violence.  21 people were shot overnight, including an 8-year-old girl who was a passenger in a car.  None of the shootings involved police officers, but rather what appears to be black-on-black crime.  How can you even think the BLM movement can sustain its credibility when shit like this is perpetuated?  I see her point.  BLM made their point.  Everything else past that is nothing more than hate crimes against society.  If the anarchists want Civil War (even on a limited basis), those cities run by Democrat mayors are breeding grounds for it because police response has been limited and no one is calling for federal help to stop the violent behavior.  Those in the major cities are probably stocking up on whatever guns and ammunition they can get their hands on and frankly, I don’t blame them.  They see what I see as a potential for spread of the violent behaviors to the suburbs and even the urban and rural areas as anarchists unite to spread their agenda, which rests on NO law and order.

The real problem with BLM is they’ve allowed (collectively) the anarchist movement to infiltrate their ranks and change their “direction”, which had … and is still having … a diametrically opposed negative effect.  It’s driving prejudices deeper underground and making people more “aware”.  It’s enough to be scared of getting COVID, which most have little understanding of it.  But then compounding that with unrest extrapolates that fear mongering into perceived action (uptick in gun and ammo sales).

For every action, there is an equal and opposite reaction.  If the sheriffs can’t grow a pair, the citizens will do it for them by taking matters into their own hands, vigilantism or not.

I was shocked to learn (earlier last month) that the Austin Police Department Headquarters (at I-35 and 8th Street, Downtown Austin), which I visited a time or two as a news reporter-news anchor for KLBJ (the station Pres. Lyndon Johnson used to own), was destroyed by rioters.  Knowing what I know about APD, I’m still in shock and surprised that this was allowed to happen.  It’s no wonder Governor Greg Abbott (who rules the Executive Branch from a wheelchair) is under fire for not doing enough in some areas while doing too much in other areas.  He didn’t do more to stop the violence in his own state capitol.  But then again, Austin’s “Keep Austin Weird” slogan speaks volumes when it comes to indifference.

Civil unrest can be predicated on civil disobedience.  Civil disobedience basically means ignoring government mandates in protest.  The right to assemble is protected by the U.S. Constitution. The right to riot, burn down buildings and shoot people is not protected.  Folks are still blaming President Trump for not doing enough; however, the 10th Amendment clearly reserves those powers not vested with the federal government to be reserved solely for the states themselves. If you’re going to blame anyone, look at your own town Mayor and commission first, then your state reps, then your Governor.  This is where the blame lies on the state level … first.  Not with the President.  Mr. Trump is doing exactly what he’s supposed to be doing … running the executive branch of the United States Government as promulgated under Article 1 of the U. S. Constitution.  You may not like the way he does things.  He’s a CEO remember?  He’s not a politician.  But like politicians, he plays favorites. What politician hasn’t, especially if there’s under-the-table sex involved?

Civil unrest is further precipitated because Americans (a majority of them, you decide if you’re one of them) are quick to place blame on everyone but themselves.  Given what is going on in Atlanta and the fact that 1,000 National Guard troops have been called out there, the BLM movement’s credibility is tanking.  Not only that, the systemic violence has further driven prejudice deeper into the souls of most of the citizenry.  The way I’m starting to see things (and you can disagree if you like), anyone who talks about their rights being infringed upon or oppressed because of their race … is espousing racism.  Anyone who feels as if they’re entitled to free shit because of their race (they got a bad break) espouses racism.  Anyone who thinks they’re more “privileged” than their fellow man because of skin color espouses racism.  Civil unrest and the propensity for it is exacerbated by racist behavior.  Racist behavior begats violence.  Racist behaviors are learned.  They do not occur in the natural state of things. They are taught.  White supremacists teach their kids to love the “white race” and that they are the only race that matters.  Kind of like Hitler.  That’s where the anti-fascist movement came in because every action brings an equal and opposite reaction.  With Congress polarizing America with its inept behaviors, it’s no wonder the “trickle down effect” has brought with it a different, diametrically opposed outcome.

We all have to sit back and examine where we learned these behaviors and why we were taught these behaviors.  I remember my own father taking offense to an activist who was invited into his church in order to survey the congregation to see how many “white folk” would sit down to dinner with a black person.  THIS is how these types of behaviors are engrained into society (and this was back in the late 60’s).  My dad worked with black people in his office (corporate America) and he respected them for what they stood for and knew they had the same opportunities as everyone else to succeed.

But NO!  We’d rather have a pity party and rant about how we were (and are) being oppressed.  Yet, admittedly, certain public figures of African-American descent have outspokenly told their kids how to react when stopped by the police. Now why on earth would they do that?  What precipitated the thought process that cops weren’t human?  Could it be that society gave a gun and a badge to citizens who didn’t (and shouldn’t) deserve one?  One of the most dangerous precepts of a civilized society is to let someone with severely-repressed racial attitudes play God in a squad car with someone else’s life.  We know that behaviors are learned.  Now we have to restructure what we’ve created, take out all the “bad apples” and move forward.

AS TO THE PANIC AND FEAR … 

These two processes drive stupidity.  Panic is what happens when you are not comfortable with the situation you’re in and if something went wrong, you couldn’t cope.  Fear is what it is … False Evidence Appearing Real.  Panic is the precursor to fear because the person displaying the mindset overcome with panic will allow fear to creep in based on the perception of what he sees and hears around him.  Assumptions can get you killed … as much as they can make you a perpetrator.  False beliefs not corrected will jeopardize a civilized society because people aren’t thinking rationally because they’re being “programmed” by what they see and hear on TV (mostly).  This is why cop shows and violence-filled sitcoms are more popular because people are being “conditioned” and “desensitized” to what is really happening in the real world. This is how governments take advantage of their citizens.

FORECLOSURES … SAVING THE BEST FOR LAST … 

While foreclosures are no laughing matter, being in denial that they could occur in one’s life is fundamentally bad for society, especially in communities where they are randomly prevalent.  Knowing your financial position in life should be your first priority because it is how you are able to develop a Plan B.  As much encouragement as I can muster here, nothing can compensate the loss of a home, especially if it has a lot of equity in it.  This offers you (if you’re in that position) a unique opportunity to get yourself upright and mortgage free!

A reader of my blog called me one day to ask about fighting a foreclosure on her rental property.  I asked her to weigh the possibilities based on the facts.  She had $150,000 in equity in the home and it was rented.  It’s just that with COVID, her renters weren’t making the payments, so the renters decided to vacate at the end of the month.  I asked her to evaluate the stress that would be added to the equation if she were to compare the monthly rent versus the amount spent in litigation trying to save that monthly rent. We both came to the conclusion that while the market was short of inventory, NOW would be the time to sell the property, pay off the note (and stop arguing whether the lender screwed you or not), save the stress, take the equity … and find a place in the country where you can park that equity and live within your means or at best, mortgage free.

People get frustrated examining situations like this because there are options to litigation but they won’t entertain them, even if it means simply staying put in your home (that’s going to be foreclosed on) while trying to make a Plan B work. Nope. That’s their home and they’re staying put until the sheriff kicks them to the curb.  That’s the opposite of why I started this blog in the first place.  If you had 10 rental properties that were all going to be foreclosed on, but they could bring you a net equity of $25,000 each … sell them, take the $250,000 out of the deal and restructure your life with it.  The Chapter 11 case in Tampa that I wrote about on this blog in earlier posts, where 52 properties were put into the BK and a fourth of them had their liens disallowed by the court and they did cram downs on the rest of them and got an angel to buy the paper on the remaining properties and refinance them all at a lower rate cost $160,000 to complete.  You can only do this if you have the reserves.  It’s a great Plan B and the judge loved it!  It was the chief judge too!

But seriously, how many people have 52 houses to put into a Chapter 11?   You have to scale down those factors and figure your litigation costs, whether you’re going to answer pleadings pro se … plan on how much time you need to “re-group” … and execute on your plans.  The bank doesn’t have to win the way they think they should. You can win by flushing your equity out ahead of time, scaling down … and restructuring your life.

With COVID-19 and the courts being stymied, you do have time to act.  However, this “pandemic” isn’t going to last forever and at some point, you will have to face the music.  How you deal with it is what makes you a winner or a loser.

As a parting thought … DON’T TAKE A VACCINE THAT YOU DON”T KNOW WHAT’S IN IT!  They’re looking for “test subjects” now and I’m not sure they’re paying. Not a good plan if you intend on enjoying any plausible future, eh?

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Filed under BREAKING NEWS, OP-ED

AMERICAN FORECLOSURES … DIVIDED WE FALL

(OP-ED) — The author of this post puts forward this information for the purposes of education and enlightenment and not for the purposes of rendering legal advice. 

THE MORATORIUMS ARE GOING AWAY SOON

If you’re a homeowner who has been affected by the coronavirus to the point of losing a paycheck and not being able to make your mortgage payments, you’ve probably been living off your credit cards during this “lockdown”.  The anticipation that you’re going to start hearing from your mortgage loan servicers (if you haven’t already) is growing to the point of panic and anxiety knowing that you’ve been given a reprieve for so long but that point in time is coming to an end and you’re going to have to face the music.

I for one do not believe that the 2-month lockdown warrants the same type of foreclosure activity that took place between 2009-2014 as a result of the 2008 financial crisis, despite the fact that the nation’s economy has suffered a serious upset by the pandemic.  The difference between what happened in March and what happened in 2008 was that the secondary markets were quietly imploding and didn’t hit us until the actual collapse of Bear-Stearns and Lehman Brothers started a tidal wave of Chapter 11 filings in the subprime lending markets.  We saw this one developing and began to prepare (for some, like me, you saw it coming in February and started accumulating whatever cash and supplies you needed), which included but was not limited to, hoarding toilet paper and hand sanitizer.  The fact the pandemic was hidden from most Americans for better than two weeks only shortened our preparation time.

Many Americans ignored the warnings of the viral component’s ability to spread … hence, Spring Break.  This was only one of the catalysts.  Two separate cruise ships on both coasts (San Francisco and Miami) were already affecting dozens of passengers, one of which I knew from a non-profit organization that she and I were both a part of.  She was dead upon arrival into the Port of Miami.  When it’s someone you know, it hits home rather quickly, sometimes too close to home.  But at least we knew the ships (full of sick and dying) were headed straight at us.  We at least had time to prepare and mobilize our resources.  This isn’t something that was intended to cripple our morality.  The virus seemed intentionally let loose to cripple our economy and thus, our modes of survival.

POLITICS ASIDE?  NOT!

This entire crisis has been manipulated by the medical community, including but not limited to, the National Institutes of Health (NIH), the Centers for Disease Control (CDC) and Dr. Anthony Fauci, the President’s adviser.  Be mindful of the fact that Dr. Fauci (who I equate to Dr. Josef Mengele of Nazi fame) has served previous administrations, both Republican and Democrat (before you start raring up your emotions at little old Libertarian me for daring to question what’s really going on here).

Both the Republican and Democrats have taken advantage of this crisis.  Both sides of the aisle debated and passed legislation to benefit their own constituents.  Both sides of the aisle debated and passed legislation to benefit Wall Street.  Both sides of the aisle debated and passed legislation that gave most of us (but not all) some sort of stipend (dole) as a means of attempting to support those who the government considers “law-abiding taxpayers”.  Both sides of the aisle used the pandemic as a means of either gaining political control or upending the other side’s political control.  Don’t you just hate it when that happens?  And over 100,000 people are dead in America just so both sides can point fingers at each other with accusatory tones.  But also remember, Fauci has told this President (as well as past Presidents) what might happen with the pandemic and what protocols should be followed, whether the protocols (or the informational data used to formulate those protocols) was accurate or not.

Both sides of the aisle have not come up with a remedy (other than a moratorium on government-backed GSE foreclosures) to stop the tsunami of foreclosures that we could have faced if the moratoriums were not extended by the State’s governors to include all mortgage loans, which included evictions.  Now we’re faced with our own set of politics … a national network of mortgage loan servicers, collectively using “the system” to play out unfortunate scenarios against afflicted Americans who still haven’t formulated a PLAN B as to how they intend on dealing with the aftermath of this “planned economic strike” against America.  Everyone of course is pointing a finger at the Chinese Communist Party (CCP) and blaming that entity for our troubles when in fact, the troubles were seriously exacerbated by our very own government in the way it doled out the money.  Again, the trickle down effect impressed not one taxpayer to the point that they thought someone did them a serious favor.

In other words, how long did that $1,200 check last each person already financially affected by the loss of employment.  When the moratorium gets lifted, those who are still struggling could become the first casualties of the second foreclosure epidemic.  I don’t consider any of this at all funny.  In fact, it’s disgusting that America has allowed itself to become embroiled in public debate over police brutality vis a vis the media, who hates Trump and wants your country to be turned into a socialistic state. The media has become so left-liberal it’s sickening.  You can’t turn on any channel and get the truth because politics has (and is) playing itself out at every turn of events.

DEFUNDING POLICE DEPARTMENTS?  DOES YOUR PERSONAL SAFETY MATTER?

Both George Floyd and Rayshard Brooks had much in common.  Both were black.  Both were convicted felons.  Both served time in prison.  Both were in the wrong place at the wrong time.  Both allegedly were involved in the commission of a crime (Floyd for passing a counterfeit $20 and Brooks for being intoxicated at the wheel of a running motor vehicle) for which they were placed under arrest.  Both died at the hands of police officers who were white.  Both were exemplified as poster children by the left and the media.  Both gave anarchists impetus to riot and commit destructive acts.

Now that you see the facts, do the cops need sensitivity training or does the public need sensitivity training?  After all, a young, white woman was captured on video burning down the Atlanta Wendy’s restaurant where Brooks was fatally shot during the riots that followed.  While it is relatively easy for white people to all of a sudden think a black person set fire to the restaurant, the video shows otherwise.  The video shows that there are people with no morals living among us that are out to prove a point … that anarchy is acceptable as a means of protest … even if it involves arson, which is a felony.  The other part of the problem, which my wife was quick to point out over coffee this morning, was that folks stood by videoing the act with their cameras so they could post it on social media because everyone is into sensationalism now.  So, does committing a crime for the purposes of sensationalism make it okay?  Why didn’t the people doing the video taping with their cameras stop the woman from burning down the Wendy’s?   Where did our morals go?   And the left want to defund police departments over the acts of bad actors?  I think not.

The U.S. Constitution and the Bill of Rights provide for the general welfare and safety of ALL Americans, not just the Black Lives Matter folks.  The First Amendment to the U.S. Constitution grants ALL of us a certain number of freedoms (self-expression and the right to assemble peaceably).  However, your liberty and freedoms ends where another person’s liberty and freedom begins.  When you violate the Constitution by committing a crime outside of the boundaries of what the Amendments are designed to protect, then the system has measures in place to deal with the offender.  The system did not afford those protections to Floyd and Brooks because of the actions of a few white officers.  Whether they will be granted immunity is anyone’s guess.  According to a friend of mine in Texas (who is a police officer), there are some who you cannot give a gun and a badge to because they’re more dangerous than those they were sworn to protect.

Many police departments are not funded well enough.  As my co-host on City Spotlight – Special Edition (on kdwradio.com), R. J. Malloy stated, “This isn’t Andy of Mayberry.”  There isn’t an issue over the fact Deputy Barney Fife only had one bullet in his gun, other than for his own well-being in not shooting himself in the foot. The issue is what protection Sheriff Andy or Barney Fife could (or would) do in the event the citizens of Mayberry’s personal protections were in jeopardy.  What police departments don’t need is tanks and military style Humvees.  What police departments do need is officers who are equipped with the means to protect and serve those citizens they were hired to protect and serve.  Anything short of that would represent a disservice to their respective communities, sensitivity training or not.

And here I thought the parental saying (from way back when) of, “Two wrongs don’t make a right” still applied to today’s community standards.  When the police can’t respond, or refuse to respond (as what is happening in Atlanta right now), sometimes referred to as the “Blue Flu” (officers calling in sick as a means of protest), then the level of personal protections afforded under the Constitution are eroded.  This gives way to those without moral scruples to commit further acts of violence.  I sometimes believe these people do these heinous things because they have a bone to pick with authority.  I think it would be best that police would be stripped of their qualified immunity from prosecution if they went “past the point of no return” once the person arrested was restrained or incapacitated, armed or not.  In Brooks’ case, the cop was videotaped kicking Brooks after putting two slugs in his back and was quoted as saying, “I got him!”   What’s that’s supposed to mean coming from a white cop with a bald head (skinhead)?

Despite the fact we can all agree that prejudice has no place in a decent, moral society, it still exists and is being driven deeper and deeper into the hearts and minds of those who feel they are being oppressed.  That includes those who feel that they’re being deprived of their Constitutional guarantees to safety and security.  Police officers should be held to a higher standard, especially when it comes to those they swore an oath to protect and serve, despite the color of their skin.  The bigger problem here is that with society melding into multiculturalism, it will soon devolve.  I predict there will be another spate of White Flight as American society continues to devolve.

UPHOLDING RIGHTS INCLUDES THOSE FACING FORECLOSURE

When it comes to foreclosure, we all have to have a game plan.  In 2008, when the financial markets collapsed under the weight of the failing securities debacle, it set the stage for multiple infractions against homeowners.  The biggest divisive scheme was the creation of notes out of thin air (the notes that had been shredded after they were uploaded as originals into the MERS System®).  It is common knowledge, as well as arguendo amongst those in the mortgage world, that the notes, along with their accompanying mortgages and deeds of trust, were shredded because paper proof of a contract was replaced by an electronic system of record keeping.  Many believe the originals were archived, yet there is no finite evidentiary proof of that.  What shows up in courts across the country in foreclosure cases I’ve reviewed are “copies” of original mortgages and deeds of trust that were pulled down off of the MERS System®, as well as the notes that the mortgage loan servicers now claim to be “originals”.

What we are seeing (and I talking about the collective group of investigative analysts looking into this documentation) is copies of notes being manufactured from copies pulled from the MERS System® and doctored up to look like originals.  The banks and their servicers and document manufacturing plants have gotten very good at reproducing notes to look like originals.  This is why certain individuals, knowing their notes might be shredded, filled in the “o’s” with ink on their promissory nOtes. Anyone reproducing a copy of a note trying to make it look like an original would have missed the filling in of the “O” in “nOte” which would be a dead giveaway of document manufacturing.  However, 99.9% of borrowers did NOT do that at the closing table.  The gullible are always the first to fall.  The gullible wanted the keys to the house, no matter what eventual price they would pay later.  The gullible constituted some 97-98% of  those who vacated their homes as soon as they were served with foreclosure documents because they had no Plan B and were never prepared to have to deal with foreclosure.

I was just speaking with an investor this morning who told me that the average homeowner or attorney could keep a foreclosure at bay for at least two years and keep either the homeowner in the home or rental income flowing for two more years.  So how’s that possible?  I discussed that in my video post on the Clouded Titles YouTube Channel.

In the physical realm, you have certain rights to life, liberty and property.  When you enter into a contract with a mortgage lender, you give up some of those rights in exchange for having a lien placed against your property by and through a security instrument, which is either in the form of a mortgage or deed of trust (Security Deed in Georgia; Installment Contract in Montana).  Most people do not realize that the balance of those rights allow you to examine and litigate certain inequities that may exist as the result of the foreclosure; however, most Americans are just too quick to give up and run away, rather than stand and fight. This is what happened after the 2008 financial collapse.  In today’s times however, abandoning your property puts you at higher risk because of the potential of coming into contact with the dreaded “virus” and succumbing to it.  If I told you that you could stay in your home for two more years just by taking a stand against the mortgage loan servicer, wouldn’t you be the least bit interested?

This is why I’m doing an online Foreclosure Defense 101 Workshop at the end of July.  It may be my last “due diligence” effort at attempting to help those afflicted by foreclosure.  I have made numerous attempts in the past to consult with attorneys behind the scenes and at trial, some successfully; however, the number of folks who wish to take what I have to say seriously aren’t listening.  So, you might ask yourself … why is Krieger even bothering to help these people save themselves from financial ruin?

I take the attitude that “might does not necessarily make right” … and just because you’re a well-funded mortgage loan servicer, that does not take away the homeowner’s right to protest against the foreclosure, both in and out of court.  I’m going to use this opportunity to bring attorneys into the mix to discuss Rules of Evidence and Rules of Civil Procedure.  These two areas are where homeowners are easily defeated.  It is in these two areas that homeowners can stay in their homes for 2 years or longer.

Your rights to litigate are not restricted by the contract you signed at the closing table.  You have every right to initiate a suit and defend a suit (depending on which state you live in and depending on which process you’re engaging in … judicial or non-judicial).  By taking simple, inexpensive steps, you can create a Plan B for yourselves by taking the initiative to respond or act.  It is your decision to learn the tactics or not learn the tactics.  My suggestions in this online workshop are based on research, but I’m going to let a couple of legal professionals share some of these strategies with you in the 4-hour block we’re devoting to educating you on foreclosure defense.  We will be recording this session for purchase and playback on the Clouded Titles website; however, the difference between attending the online live event and downloading a recorded event is that you don’t get to ask questions and get answers right away.  You have every opportunity to fight back and the financial risk to you attending this event online is low compared to the information you are given.  I told you in my blog post about the two-year window that attorneys can carve out for you so you can make alternative plans. As part of the webinar, I’m going to share written details with you in PDF format that will help guide you through your educational “learning curve” about how attorneys can drag a foreclosure case on for more than two years!

Again, you are known by the paths you take and the choices you make whether a homeowner or an investor.  Stay tuned for more posts on this.

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LET THE GAMES BEGIN, PART 3

(OP-ED) — This think piece is offered for your perusal and consideration of the things to come when the foreclosure and eviction moratoriums are lifted.  The poster of this blog insists you approach this from a common sense standpoint and do not take the information contained in this post to be the dissemination of legal advice. 

THE BANKS AND BIG CORPORATES WERE BAILED OUT!

And the hits just keep on coming!

Not a day goes by where I’m not researching and trying to tail some article denoting where any or all stimulus packages passed by the U. S. Congress didn’t first go to help out those “too big to fail” FIRST, then, if there was anything left over, “we got the crumbs from the Master’s table.”  Doesn’t that idea just infuriate you just a little bit?

Many of you are struggling financially worse than at any other time in your lives.  The bigger picture here is that with companies like J. C. Penney (an anchor tenant at most major shopping malls) filing for Chapter 11 bankruptcy and Pier 1 Imports announcing closure of all of its stores, post-liquidation, exacerbated by the conditions imposed by a national calamity (the corona-crisis), Darwinism applies to more than just residential foreclosures.  Victoria’s Secret has also filed for Chapter 11 protection as did mall retailer J. Crew.  Upscale shopping conglomerates Nieman Marcus and Sak’s Fifth Avenue are also in talks with creditors trying to head off the inevitable.  Sears and Dress Barn have already bitten the dust.  Macy’s is struggling but at this juncture is reportedly going to close more stores in order to be able to survive.

If you’ve been to a shopping mall lately, you’ll notice the absence of car and pedestrian traffic.  Online shopping stepped in and took over the slump created by the corona-crisis.  This would make me wonder if all of this was by design, to alter the way we think and behave.  I mean seriously, you can’t go into any store without someone at the counter either avoiding you altogether or insisting you put a mask on.  Wearing a face mask is another form of “conditioning” that is going to have negative side effects besides the starvation of oxygen to the brain (hypoxia) over time and extended mask use.  If you’re healthy, I ask you, what germs do you have the potential of spreading?  If you’re not healthy, why are you even leaving your house to go mingle in public places?  As businesses fold up, you’ll be doing all of your shopping online (even grocery shopping).  This is a condition that I’m afraid is going to affect everyone’s futures because now “they” (the merchants of the earth and Big Brother) will be able to specifically track everything you’ve purchased, when you purchased it, how frequently you purchased it and with what mechanism (credit or debit card) you purchased it.  “They” will know all of your spending habits.  Cash will be unnecessary.

THE CASHLESS SOCIETY MAY BE CLOSER THAN YOU THINK!

This is where the average human brain starts fighting back.  It is very difficult to accept the idea that we can live without “cash” (M1 currency).  “They” have been using the corona-crisis to “scare” everyone into the “conditioned habit” of online shopping and home delivery.  Even gasoline purchases by the delivery drivers are either going to be through a company account or credit card!

Simple test … think about all of the purchases you’ve made in the past 90 days.  How many of them were made with M1 (cash and coins)?  How many of these purchases (or payments) did you complete using M2 (checking account check)?   And lastly, how easy was it to pull your debit or credit card (M3) out of your wallet and swipe it, even for groceries?  This should tell you where your brain’s “condition” is either at or is headed in terms of what “they” intend to accomplish in today’s society.

Many folks I know are cleaning out their bank accounts and closing them.  At this juncture, this may prove very unproductive.  Complete disconnect from the mainstream mindset is only afforded to few well-prepared individuals out there in the hinterland and those individuals still have to rely on the use of a medium of exchange (besides barter) in order to survive.  Unless you’re totally off the grid and can trade with someone who will pay the required taxes and insurance on your residence and make your mortgage payments for you (which I don’t see as an option here), “they” are going to insist you comply with the “conditioned” parameters (options) “they” want you to use.  I mean seriously … what if the government suddenly demanded that everyone turn all of the federal reserve notes in because as of a certain point in time, they would be considered “worthless”, of no value even to barter or underground economic gain and replaced it with modes of exchange where only a government-instituted bank account would be required (for each person with a social security number or TIN).

This is where the “chip” eventually comes in.

A “CHIP” IN TIME SAVES NINE!

“I WANT YOU TO TAKE THE CHIP!”

Don’t let the folly of their arrogance (“they”, the system) fool you.  Mass RFID chip implantation is planned for execution during our lifetimes. I posted an article in my last blog where legislation is being proposed in Arkansas regarding the chipping of employees for use in eliminating “time-wasting” inconveniences, like swiping a key card in order to access restricted areas by employees whose companies insist they be chipped. At least a hundred people I know have said, “No way I’m going to let them stick a chip in me!”  Some have said, “I’ll fool the RFID chip and wear a metal glove to block tracking of my whereabouts.”  It is amazing how our retaliatory brains are thinking about ways to defeat things that aren’t in our present day yet.  If you research these RFID chip manufacturing plants around the U.S. alone, you’ll be quite shocked as to how far their “progress” has actually manifested itself in the present day.  This will more than likely push your brain into overdrive as “panic” behaviors attempt to push your internal brainwaves into a state of total denial.

“It can’t happen here.” (your conscious mind wants to believe) …  Well … yes, it can.  And it is.

Nearly a fourth of U.S. States are doing something to enforce regulation on the implantation of RFID Chips!

And those who “drank the Kool-Aid” will be the first to line up to get chipped, for a variety of not-so-complex reasons (like “I love Big Brother” and “I want the government to take care of me”).  When MAD® Magazine came out with the phrase, “What, Me Worry!” there was a reason for that.  Start reasoning the differences between the use of a chip and electronic ink because that’s the alternative if you refuse to be chipped.  You can run but you can’t hide.  Doesn’t this just scare you privacy advocates just a little bit?  You can stop this with your votes.  You can stop the madness by calling your state and federal congresspeople and insisting they pass legislation similar to Arkansas or even more stringent, to keep chipping from even becoming an “option”.

I love it when people say “I’ve got nothing to hide!”  It’s like the same people who wear masks while driving.  Outta the gene pool with you!  Reflect back when the CDC didn’t want people wearing masks unless they were sick.  One rationale was that it would be easier to identify those that were sick because they wore a mask.  Then, the CDC did an about face and started ordering everyone to wear a mask, because the hierarchy then reasoned that the principal of wearing a mask was to protect others from your germs.  Once a mask gets “moisturized” (fluids bleed through) however, the vapor is pushed out into the air as you exhale.  So, what good does it do to get to “herd immunity” if everyone’s wearing a mask … especially while driving (Gawd! What a dumbass!)  Have you seen people wearing masks while driving?  Do me a favor, honk at them and flip them off for me!  This is Darwinism at its finest folks … and these retards will be the first ones to take the chip … and the vaccine … all in the name of helping out Fauci, the CDC (who has a patent on coronavirus) and Big Pharma!

UPDATE AS OF MAY 23, 2020 … My co-host on City Spotlight – Special Edition (WKDW-FM, 97,5, North Port, FL) has made me aware of at least 2 accidents where drivers wearing masks while driving passed out, causing accidents as a result of oxygen deprivation.  Again … what dumbasses!  They’ll all die trying to get at the Kool-Aid just because the government tells them to do something because they can’t think for themselves!  I’m not sure who is more stupid … the drivers wearing the masks or the government officials telling them they have to wear a mask in the first place! 

BIOLOGICAL WARFARE AND FINGER POINTING … 

As I’ve identified it through my research (you do your own if you have any doubts), the National Institutes of Health (directed by Dr. Anthony Fauci); the Centers for Disease Control (who has a patent on coronaviruses, which the U.S. Supreme Court says you can’t do); and the Wuhan Institute of Virology … ALL had control over the virus (COVID-19) before, during and after the entire pandemic was announced.

I was in the military during the Vietnam War.  I took an oath, based on my swearing to defend the Constitution of the United States, to protect my country from all enemies, both foreign and domestic.  I don’t know about you, but if you’re going to point fingers, look at this pandemic as “political” in nature because it does indeed involve a biologic weapon.  It’s an undeniable fact that COVID-19 spread all over the world.  The virus has succeeded in eliminating portions of the populations in over 119 countries worldwide.  The World Health Organization waited two weeks after it found out about the release of the virus before it did anything; thus, making WHO a co-conspirator in the entire scenario.  Then you have CDC officials saying we need to “get rid of the whites” because they refuse to take the vaccine.  In other words, because certain individuals have the capability of recognizing a threat when it’s staring them in the face … and know that they have the right to say HELL NO to a vaccine, we must find some other way to exterminate them.  You know who all the players are.  These are the individuals and groups responsible for this virus’s creation and whether the release was accidental or deliberate, it’s still biological warfare … and these are the people with their fingers on the triggers.

This is nothing more than a power grab to take complete control of our minds, our behaviors … the way we think, feel and act … and our society, whether it’s Agenda 21, NWO, whatever.  It’s politics … and you can thank Washington for that.  BOTH political parties are also indirectly responsible; however, most folks are still trying to ascertain who knew what and when they knew it, so it’s hard to blame anyone in Congress … yet … but trust me, there will be blame to go around at election time, which is what the politicians are counting on … especially those who want to instill socialism in this country.

HOW WE STOP THE FOREGOING MADNESS: PUBLIC BANKING

This is an option being promulgated by the Public Banking Institute.  If you look at the successes being enjoyed by the Bank of North Dakota, you’ll realize the difference that having a public bank can make, especially when it’s being run under very strict fiscal policies by the state government itself.

There have been many who have expressed concerns about having large chunks of money (M1 or M2) deposited in the megabucks, who might be tempted to take it all away from you in the name of self-preservation during this pandemic or in future pandemics to come.  I only personally recommend leaving enough in to pay your monthly bills and to keep whatever large reserves you might have in a safer place.

I’ve also gotten into discussions with financial advisers over WHERE to put reserves and they’re telling me that airline stocks (or any stock that has a chance of being bailed out by the government) are probably safer bets on where to hedge cash.  Just not in hedge funds.  These accounts are already over-extended and rehypothecated and thus, are at higher risk of collapse.  Please read the following posts for more information:

Another Bank Bailout Under Cover of a Virus – CounterPunch.org

Crushing the States, Saving the Banks: The Fed’s Generous New Rules | WEB OF DEBT BLOG

Now imagine having a government-instituted bank account that is connected to your RFID chip.  Anytime you make a purchase, you swipe your hand over the scanner and voila! … the amount you just spent is deducted from your account as a debit entry and placed into some business’s account as a credit entry.

Now imagine combining a nano-chip with a numbered vaccine, so you can be tracked anywhere you go (if you survive the vaccine).  Part of this “plan” is population control over those that the “agenda” wasn’t able to exterminate.

Public banking would not tolerate this, which is one of the reasons I brought it up.  If you’re not aware of public banking, you need to familiarize yourself with it, because some of it is rather socialistic in nature, but offers more stability in the long run.  Bank runs will be negligent if public banking is instituted.

THE NEXT MASSIVE LAND GRAB …

I conclude this post with fair warning.  Most of you are probably already aware that the clock is ticking closer to the state and federally-imposed moratoriums coming to an end, wherein the banks can capitalize on the REO markets and wager the home repos in a whole new line of securitization and continue to gamble with investor funds rehypothecating what has been sold back to the secondary markets as “used fish” chopped up into another CDO.  So now we have fish stew (referring to the Chef Anthony Bourdain clip in the movie The Big Short).

When the moratoriums are lifted, the following happens: BAM!

Now you can blame Congress … because we can all see what’s coming … was under their control in the first place!

Don’t say we didn’t tell you … 2008 is going to happen.  Start making PLAN B!

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LET THE GAMES BEGIN, PART 2

(OP-ED) — None of this is legal advice and should not be construed as such.  It’s an IMHO diatribe that posits the simple question … have you had enough of this “quarantine”?  Answer that question … and you open up a whole myriad of “mental disturbances” that have yet to surface as well as further dredging up of those deep-seated isolationist/protectionist values. 

With all of this “free time” you have … I’m pretty sure you’ve taken some of it up with analysis of exactly what you’ve accomplished since you were told you had to “self-isolate” (quarantine) … as if you were sick … but you really weren’t. I think we can all recognize that this so-called “quarantine”, which is technically supposed to be for “sick” people, was expanded beyond the point of common sense reason and logic.

HAVE WE BEEN PROGRAMMED TO DO THE GOVERNMENT’S BIDDING?  

And what else did you do with your “down time”?   How many watched the news on TV regularly?  How many got your news off of posts on Facebook?  As diverse as the channels of medium might be, we sucked up data through the “straw of the information highway”, at a pace similar to drinking a gallon of Kool-Aid in one sitting.   Most of us (I must admit) have been somewhat careful with how we conduct ourselves; however, this comes with caveats because like me, many of you can only drink so much of the “Kool-Aid” out there before we start getting a “sugar buzz” (if you get my drift).  Impatience levels are probably at an all time high at present.  This is when patience is called for more than anything right now, more than should be expected from any law-abiding American.  This is a time where over-reacting could be fatal to the human system.

Most of us will also agree (without my prodding) that politics never stopped rearing its ugly head during this entire time of isolation.  In fact, it’s increased in the subterfuge of things.  It’s amazing how arrogant the banks were during the foreclosure crisis in 2008.  Now the medical community that governs how we think about “treatments” and how much we should participate has also gotten so arrogant that it has allowed members of its hierarchy to become emboldened in its policy statements:  CLICK HERE! (But I warn you, prepare to be shocked!)  And this short clip is still on YouTube!  Why didn’t YouTube take THIS down?   This video presents a veiled threat to all of America!

Anyone can learn anything they didn’t already know simply by going on YouTube. Hell, Clouded Titles has a YouTube Channel. YouTube has become a mechanism for transmission of social marketing ploys, which, if not properly taken in context could be the means by which America’s (and the world’s) deterioration of  “family value systems” become a real possibility.

SO … WE’VE ALL BECOME ISOLATIONISTS?

Imagine this so-called contrived “lockdown” lasting six months or longer.  Could you actually survive being told you had to “stay in place” or “shelter in place” longer than we already have?  Would being “ordered” to “stay at home” because it was the safer thing to do be prudent … or would running around the countryside connecting with nature be more important than not getting what the media has programmed you to believe was a deadly virus?  It’s a mixed bag of responses, whoever you talk to.  However, a majority of the folks that were ordered to “stay put”, did. That’s the irony of it all. We were told to do the “patriotic” thing. Could it be that the powers that be knew we’d have our asses parked in front of the TV set, soaking up disinformation and misinformation to the point we either (a.) “grew a pair” and made a decision to rebel against the system in our own way; or (b.) capitulate and drink more Kool-Aid in anticipation of that all-important safeguard: the vaccine!  How many people do you think will take the vaccine?  And how do we know that each vaccine given doesn’t contain a nano chip?  We can be tracked and hunted like dogs … and who wants to be part of that as an “end game” strategy?

During this time of lock down, we’ve either marginally tested the limits of (or fully became)  obesity, alcoholism, domestic abuse, obsessive-compulsive behaviors,  sexual dysfunction, internet absorption, conspiracy theory and potential self-destruction by suicide.

Now … I know many of you used this time to remain productive and got to work from home.  Ah, the wonder of technology.  But we’re so used to social interaction.  When we finally get let out of our cage, we seem to have to relearn all of our old social behaviors.  Many of us still don’t trust “what’s out there” waiting for us, given the fear of a second wave of the coronavirus running rampant and taking a much higher death toll this time as we wait for the “vaccine” that: (a.) may not work at all; or (b.) may contain side effects, side effects that may even kill us.  Or then there’s option (c.) … the vaccine contains a nano-chip in it that once implanted (without our knowledge) will have to be surgically extracted if you want to be able to go anywhere without being tracked.  This will get old to a lot of people very quickly.  Given those choices …

HOW ARE WE SUPPOSED TO VIEW THE CURRENT GOVERNMENT BUREAUCRACY?

Now that the medical echelon has manifested itself and left us all with uncertain options, how are we supposed to trust the performance of the World Health Organization, Dr. Anthony Fauci and the Centers for Disease Control?   I’m having a difficult time rationalizing why the information stream was muddled up enough to cause mass confusion, let alone mass panic.  Was all of this contrived for the purposes of the implementation of a “higher agenda”?

I’m still having a hard time with this “mask” thing.  First, we were told not to wear masks unless we were sick. Then everyone was told to wear masks.  Why the about face?   Exactly what purpose does wearing a mask serve, especially if it’s a hand-made, low-quality, cloth mask that germs can penetrate both inside and out?  Why wasn’t all of America provided with N95-grade level masks if the government was so worried about it?  Why as Americans were we told to start preparing for the worst when the first outbreaks were reported in Washington State?  Could it be because Deep State counterparts in this country have “bigger plans” for all of us that even President Trump doesn’t know about?  Deep State consists of a lot of the intelligence community, who, along with its British counterparts, is looking into a severe drop in cellular communications at the Wuhan Institute of Virology in October of 2019.  Why are they focusing on the lab?  Because the cellular activity inside the Wuhan wet seafood market remained constant, that’s why.  This is why America has all of those spy satellites floating around in the ionosphere. And don’t think for one minute they can’t spy on Americans … because they can.  That should make you all feel “safer”, right?

Then, the medical community and the media told us to ignore the rants of Dr. Judy A. Mikovits … and social media and the “debunkers” all came out of the woodwork to demonize her, yet most of them were not scientists. They all attempted to portray Mikovits as a self-serving liar.  They attempt to dissuade your thinking by making you think that her statements on her video were that of shoddy journalism, when in fact, Mikovits was freely expressing her concerns as a “whistleblower”.  And we all know what happens to whistleblowers in America, right?  A: No one believes them.  B: Everyone believes them.  C: They are demonized to the point of disbelief.  D: They are silenced and/or “disappear” one night.

So I have to ask myself (which you should be asking yourselves too), “What has Mikovits said that pushed so many “hot buttons” that “they” (the medical community and Big Pharma) are out to “get her” through demonization and censorship?  Why doesn’t the media want you to know the “other side of the story”, if what she says is to be believed?  Don’t you feel you’re entitled to know all sides of the story before making a rational decision as to how to treat your future?

TWO-FACED CONFUSION?

Then, let’s not forget Fauci’s speech to the Senate:

  1. We have at least 8 companies working on a vaccine.
  2. We will need to develop more therapeutic testing.
  3. None of the vaccines being R&D’d right now are guaranteed to work.
  4. The vaccine may have negative side effects (like death or autism, maybe?).
  5. We started testing in January.

No one is paying attention to the timeline of events here (or at least the timeline is being downplayed). The timeline of events is exactly what we should collectively be discussing right now because we certainly aren’t getting truthful information from those we’ve entrusted to make sure we are informed.  You can’t make sound decisions based on: (a.) fear; (b.) irrational behavior; (c.) propaganda; (d.) false testimony; and (e.) outright deceit.

In my last post, we brought you immediate facts about implanting RFID chips into humans for the purposes of “convenience” (to allegedly replace “key cards”) in Arkansas, where legislation is being proposed to require employers to remove the chips within 30 days when an employee withdraws consent to be “chipped”.  The proposed legislation would also ban employers from refusing to hire prospects who didn’t want to be implanted with the chip.  I think this is only scratching the surface of bigger things to come.  Being “chipped” is something we should all be collectively discussing right now … mainly due to 4th Amendment concerns.  For those of you that don’t know what the 4th Amendment to the U.S. Constitution is … please go look it up and re-read it until it “soaks in”.  You can say all you want, “I’ve done nothing wrong.” or “I’ve got nothing to hide.”  But that’s not the point.  That is not what is going to matter in the future and you should mentally prepare yourself to watch for the signs of what might happen if chip implantation becomes a “requirement” and not an “option”.

What you would do if Revelation Chapter 13’s biblical prophecies became a reality?  Would you “take the chip” in order to be able to buy or sell anything?  Would you avoid taking the chip and become part of the black market underground/shadow economy (think post-Cold War Russia)?  Would you “take the chip” because you wanted to be a contributing member of the New World Order?  And just remember, YouTube didn’t take this video down either.

THE REALITY OF AMERICAN CORPORATISM 

There are some undeniable issues that we face in our future:

  1. A foreclosure pandemic the likes of which pale in comparison to 2008.
  2. Big Pharma making huge profits off of a vaccine that “may or may not” be effective in stopping a plague that we’ve all been “fear factored” into believing is some sort of uncontrollable super bug.
  3. Wall Street getting more bailout money in the stimulus packages than small “mom and pop” businesses.
  4. Unemployment levels that far exceed those of the Great Depression.
  5. The potential for civil unrest, insurrection and serious internal conflict (Civil War II).
  6. The usurpation of our Republic by those who seek to shift the balance of power away from America.
  7. A cashless, fiat society, where wealth is measured by labor output.
  8. Interment camps to house those who didn’t enter this country illegally as a means of mass indoctrination and potential extermination.
  9. The super surveillance society.
  10. Mutual assured destruction (or EMP, which will put us back into the Stone Age).

This is not a doom and gloom speech.

I have seen the potential for these issues to become a reality if good men do nothing.

Stay tuned for PART 3 … and may the odds be ever in your favor (remember who the enemy is).

 

 

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ARE WE BEING TOLD THE TRUTH?

(BREAKING NEWS – OP-ED) — The author of this post is again giving you the opportunity to watch this video containing a lot of commentary by Dr. Judy A. Mikovits, who presents a totally different take on the COVID-19 outbreak, contrary to what Dr. Anthony Fauci and Bill Gates continue to say. 

WATCH THE VIDEO HERE

TRUTH SEEKERS! 

I find it difficult to understand that (even though Dr. Mikovitz is promoting her new book on this video) YouTube and other medias have quickly taken this video down because it presents alternate theories that Americans are entitled to see and digest and ascertain for themselves whether or not the information is true. It’s as if the U.S. government and its operatives in deep state don’t want you to know these alternate ideas, whether proven or not.  I have to keep asking myself, “Why are “they” in such a hurry to take this video down?”

THIS VIDEO!  WHY THIS VIDEO?

I am not sure how long this video will remain online before “they” figure out a way to remove it.  It appears that this video was reintroduced into another “stream” of embedded technology that might make it harder for “them” to take it down, in the name of a planned “agenda”.  What does Dr. Mikovits say on this video that has “them” so rattled that they have to demonize it … and her?  She’s only speaking her mind, right?  Why then is freedom of speech and freedom of expression being attacked and demonized?  The only reason I can think of why “they” are repeatedly removing this video from the media is because she might be telling the truth!

THE RIPPLE EFFECT … 

This so-called “pandemic”, if allowed to spread again, could do just what the second wave of Spanish Influenza did back in the early 1900’s.

Briefly, I ask you to think about the “ripple effect” on America’s economy (not just the world’s economy):

  1. When a family or families are stricken with the virus, they may get so sick that they may have to be hospitalized;
  2. There is no disputing the fact that treating any illness costs money;
  3. When you take needed funds (to pay mortgages, taxes, insurance, food and utilities) and divert them to treat a serious illness, you have less to spend on essential needs;
  4. When you have a government-ordered “lock down” … and people are put out of work or furloughed … those needed funds disappear;
  5. When the needed funds disappear and you can’t pay your mortgage, the banks foreclose;
  6. Despite the fact the states and the federal government have imposed temporary moratoriums on evictions and foreclosures, at a given point in time in the future … and it’s coming … the moratoriums will be lifted;
  7. Those who did not prepare to fund essential needs without an income will be severely affected by foreclosures;
  8. This includes not only individual homeowners who have been living paycheck to paycheck just to make ends meet, it includes businesses that have had to shutter their doors permanently, never to re-open, because they were economically dependent on cash flow in order to survive;
  9. Corporate America managed to survive because it has profits in reserve to pay bills when they are forced to suspend business for a time, while “mom and pop” businesses, which made this country great, are starved out of existence; and
  10. When you start to affect the way people think and behave, through whatever mechanisms are presented, planned or un-planned … and it starts affecting larger numbers of the world’s population … we end with potential civil unrest because those who are affected have now “awakened” to the fact that something more sinister may have been instituted by persons in our own government with intended (not unintended) consequences.

If what Dr. Mikovits is saying is true … and you continue to wear and mask and gloves … what are your chances of increased risk of becoming a victim in the “second wave”?  This “ripple effect” could then be assumed to have been caused by our very own actions … or inactions.

Winston Smith loved Big Brother.

 

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