Tag Archives: nanny state

THE INDIRECT CONNECTION OF RECIDIVISM TO SOCIALISM

(OP-ED) — The opinions of the author of this post are just that … opinions.  This article contains information about racism, recidivism and socialism.  The reader may consider this article politically “charged” for a reason, in part, because the real truth of the matter has not been reported by the mainstream media and is subject to your further scrutiny of the facts.  None of the information in this article is legal advice and should not be construed as such.  When all one has to rely on is statistical data, outcomes in any scenario can be flawed.  My understanding of the incidents and the backlash involving the George Floyd execution has taken several dramatic twists and turns, the same twists and turns that may have affected your thinking over time as the events continue to unfold.

RACISM DEFINED

Merriam-Websters Dictionary defines this term to mean “a belief that race is the primary determinant of human traits and capacities and that racial differences produce an inherent superiority of a particular race.”

The use of the foregoing noun has historical roots dating back to 1902.  Throughout America’s history, which many believe has been woefully distorted by political ambitions and divisive objectives, there isn’t one connection that I’ve noted in researching this term and its intended use that hasn’t had some sort of political undertones.  Of late, when someone uses this term, it’s generally meant to inflict guilt at the party who seemingly appears to possess this “human trait”.  Racial differences only matter when people consider themselves “inferior” and the term is bandied about to bring about feelings of oppression and anger.  Now why would the media and politicians not take any of what has been happening in America of late into account when it comes to oppression, hurt feelings and the reasons behind it?

To me, the understanding of what motivates people to behave in the manner unbecoming of American value systems has caused me to delete my personal Facebook page, as I couldn’t stand to face the publicly-displayed and government-monitored divide in society (expressed in social media) which has been fueled by means of a political nature for the purposes of influencing the determinate outcome of an election for the intended use of promoting a contrary agenda. It is sad when happy thoughts have to be influenced by thoughts of hatred and disgust.

Not to be mischaracterized singularly, the Irish were also brought over to America as slaves since the mid-1800’s. Remember the signs, “Irish need not apply”?  That’s discrimination (toward a perceived inferior group of white people).  Do you hear all of them screaming, “Irish Lives Matter”?  Do you see them burning buildings, looting and murdering people.  Nope. But we all celebrate St. Patrick’s Day because it makes us feel good.  I’m hoping it’s for all the right reasons, not discounting Irish history.  Like the blacks, the Irish are fully well-aware of their history too.  The only people I hear dropping the term racist are those who use the term for the purposes of furthering an agenda.  Remember, this is America … land of the free and home of the brave?   Try land of the fee and home of the slave … that might be more accurate, given the state of taxation, regulation and debt slavery many of us now find ourselves in.

RECIDIVISM DEFINED

Merriam-Websters Dictionary defines this term to mean “a tendency to relapse into a previous condition or mode of behavior, especially a relapse into criminal behavior.”  

What the mainstream media hasn’t really emphasized was that George Floyd had a past, a violent criminal past.  There are reasons for this. The media has become leftist in its thinking.  Instead of reporting the news, it creates news.  It creates conflicting opinions. It “magpies” emotional concentrate on the public for the purposes of scaring people into wrong thinking and fear.  With very little effort, I managed to pull up historical data about George Floyd, who seemingly has become the key poster child for the Black Lives Matter campaign.

And this was the continuing saga which lead to a very bad outcome for George Floyd.  Floyd was busted for theft and did prison time dating back to 1998.  In 2002, he was arrested for criminal trespass, convicted … and spent 30 days in jail.  In 2005, Floyd was arrested a second time for possession of cocaine and sentenced to 10 months in jail after previously be sentenced to 8 months for the same offense in 2002.  In 2007, he plead guilty to illegally entering a woman’s home, pointing a gun at her stomach and searching the home for drugs and money and was sentenced to 4 years in prison, for which he served 2 years of that sentence before being released. Floyd later moved to Minneapolis (2014) trying to get a fresh start, where he worked as a bouncer at a local restaurant, making a video encouraging younger generations to make good choices and to stop gun violence.

Unfortunately, he was arrested for allegedly attempting to pay for something using a fake $20 bill at a convenience store.  And as you well know, things went downhill from there.

How much leeway do you give a person who has a propensity to backslide into their criminal past before you say enough is enough?   And we’ve been told that the cop who sat on Floyd’s neck for 9 minutes until Floyd succumbed to his physical detention knew Floyd from working together at the same club.  What are we to make of the phrase, “Two wrongs don’t make a right” when a movement’s basis for nationwide protest has devolved over making George Floyd a poster child?

You also have to ask yourself what the recidivism rates of black men are as opposed to white men.  In this instance, I’m using statistical data to define the basic political tenets of this “movement” that claims to be disparaged, when we all have the same opportunities and rights in America (it just boils down to HOW we make use of those opportunities). USDOJ 2018 Update on Prisoner Recidivism

In making my argument here (food for thought) …

  1. The statistical data shows that George Floyd was less likely to fall backwards into a career criminal path the longer he stayed away from behaviors conducive to crime.  In other words, maybe moving to Minneapolis (change of scenery) was a positive move for Mr. Floyd, up until the time he allegedly passed a $20 bill to a store clerk and was tracked down and detained by Minneapolis police, four of whom are now charged with his murder.
  2. Since Mr. Floyd was “alleged” to have passed a fake $20 bill to a clerk for the purchase of merchandise and hadn’t had his day in court, maybe Floyd didn’t know the $20 bill was a fake at the time he passed it to the clerk.  We will never know the answer to that question because Floyd is dead and will never get his day in court.
  3. If Floyd was taking advantage of the “opportunities” afforded to every American in making a living and surviving peacefully in a fully-functioning society, then his path would have never been meant to cross with the paths of the four officers who detained him and (on camera) snuffed out his life.
  4. The fact that no one came to the aid of George Floyd by calling 9-1-1 and speaking to a supervisor about what the police on scene were doing (and dispatch could have had a supervisor on scene in minutes when the camera filming started to put a stop to the cop’s bad behavior) to Floyd was inexcusable when it comes to aiding a fellow citizen in trouble. I don’t see these people being charged and prosecuted for failing to stop and render aid to a dying man.
  5. Just because the cops were in positions of authority doesn’t mean they get to be judge, jury and executioner on scene.  The mentality of bringing forth an African-American prosecutor to preside over the prosecution’s case doesn’t serve the movement well if a white prosecutor could have gotten the four officers convicted for their behavior (thus sending a measure of  confidence to the community that this isn’t all about race).  This remains to be seen.  To me, it’s window dressing.
  6. In making Floyd the “poster child” for the Black Lives Matter movement, it gave the media the opportunity to create more news and heightened the actions of the demonstrators, who, on camera, demonstrated their willful disregard for others’ life, liberty and property by not only shooting and killing members of their own race (the majority of the demonstrators were of African-American descent, but whites who also sympathized with the plight of oppression of Americans across the nation also participated in the events of late) but giving the media an opportunity to change the political climate in America by influencing voter opinions of how the government dealt with the protests in each situation it was presented with.
  7. Most of the protests took place in cities politically defined as being within “Blue States”, or states politically dominated by Democratic voters (as opposed to Republican voters).  The mayors of the “hot spots” are noted as being of the Democrat political persuasion, which may have accounted for the amount of damage to property and lives lost as the result of the mayhem surrounding the protests.
  8. The movement appears to be fighting within its own factions as to how long the protests can continue, given the fact the nation is embroiled in a first wave of a viral pandemic. This is not to say that peaceful protests (like in Punta Gorda, Florida last week) cannot continue; however, when demonstrators start calling for police “defunding” and calling for a “revolution”, the mindset of the movement is devolving.  Punta Gorda Police have just acquired body cams and plan to train for their use shortly; however, if you defund the police department, how then can you afford body cams?  This makes their “defunding” argument worthless.
  9. In a society where there is no means of security or control mechanisms in place, anarchy takes precedent.  In that event, it’s every man for himself because others who are deemed to have little respect for life, liberty and property (those who think they’ve been given less of an opportunity) take lawlessness as a means of self-expression and exact retribution on other members of their own race as well of other races as a means of gaining political satisfaction in opposition to law and order and the general welfare afforded to all Americans as guaranteed in the U. S. Constitution.
  10. One can only point to the rates of recidivism (as in Floyd’s case) and the numbers of the current prison population (which in the U.S. far exceeds any other country in the world) to illustrate how bad choices make for disastrous results.  Using these modalities and statistics, if an individual is afforded the same opportunities in America as his fellow man … and that individual takes every positive step in being a productive citizen … none of this portion of America’s history would have to be relevant because everyone would have equal “footing”.  (Everyone does have an equal opportunity here folks. It’s just that some don’t want to take advantage of it.

Taking a passage from within the Book of Acts of the Apostles, Chapter 19, Verse 32 … “Some therefore cried one thing, and some another: for the assembly was confused; and the more part knew not wherefore they were come together.”  Whether this might be considered “out of context” or otherwise, it is fitting given the nature of the protestors’ objectives.  Are the protesters simply just protesting police brutality?  Are they protesting for equal rights, which they already have?  And why then, is burning, looting and killing part of their agenda?  What does that prove, other than the ability of heathens to do the devil’s work?  None of this is spiritual really. It’s all selfish and self-serving. The Constitution is what it is.  If you don’t know your rights, you don’t have any.  If all the protesters know is the right to assemble, it accomplishes nothing.  They have to be aware of ALL their rights.  Again, ALL LIVES MATTER under the framework of the Constitution.

Of late, the Minneapolis City Council has voted to disband its police department in favor of some other more transparent agency.  More window dressing … only this time, those who need protection from criminals in Minneapolis won’t be able to rely on 9-1-1.  Who are you supposed to call for a domestic violence matter?  A social worker?  This is insanity at its finest.  But what are we to expect from a liberal-leaning city?  If it was me, I’d move the hell away from there as fast as I could.  You don’t stand a chance in the foreclosure courts in Minnesota if you’re affected by mortgage defaults.  They even have the “MERS Statute”, which pretty much gives MERS (or its representatives) the right to bend you over in court and (insert your own imaginative deviation here).

SOCIALISM DEFINED

Merriam-Websters Dictionary defines this term to mean “any of various economic and political theories advocating collective or governmental ownership and administration of the means of production and distribution of goods; a system of society or group living in which there is no private property; a system or condition of society in which the means of production are owned and controlled by the state; and a stage of society in Marxist theory transitional between capitalism and communism and distinguished by unequal distribution of goods and pay according to work done.”
Thus, if no one can own property because the government owns it all … and the government is allowed to completely control your life … it can dictate the distribution of wealth and de-incentivize citizens to take a dole rather than work … and I go back to the old saying, “Idle hands are the devil’s playground.”
In fact, many people are currently making more of a wage from their unemployment benefits rather than going back to work where they make less.  So, what incentive do they have to be productive when they can sit and home and suck off the teat of the government?
What many don’t understand is that the employers had to pay into those unemployment benefits in order for those receiving unemployment to actually GET a paycheck while not working, whatever the circumstance (i.e., furloughed due to the COVID-19 crisis).
WHERE THE TWO PATHS CROSS …
There are those who believe we should just take those four Minneapolis police officers and string them up without a trial, since they didn’t afford George Floyd his right to trial (over passing a fake $20 bill).  Death certainly is not the price one should pay for the nature of the crime when the crime is not heinous.  It’s disproportionate.  I think we can all agree on that.  I think we can agree that there might have been other “reasons” why these officers decided to do Floyd in … reasons we are not aware of.  If we were aware of all the facts, our assessment of this situation might be totally different than what it is now.  At that point, our belief systems might dictate that Floyd was silenced because he knew too much (that it was a “hit” and Floyd was the mark) or that these officers were racist, had a bone to pick with Floyd … and they gave him a Thomas Blanton, Jr.-styled KKK execution.
If it’s a matter of opportunity and an American citizen is denied that right, then there’s a reason for it.  My belief system tells me that the reason people are not given the same opportunity in life as others is directly related to parental example and upbringing.  Children learn what they live.  If children grow up with a “welfare mommy”, they learn that one can sit at home and let the government pay for your upkeep if the woman continues to have child after child after child because they’ve learned to play in a system where one is compensated for bad behavior.  I know this from personal experience so don’t chastise me for my thinking.  If a child is encouraged to grow up and take on a set of values that promote education and opportunity to learn and grow and takes positive advantage of that opportunity, the prospects for a positive outcome can be extrapolated into a successful future.
If production of goods and services is completely controlled by the state, there is no room for welfare unless the person affected cannot produce a good or service based on a disability that would not allow them to work.  This conflict in productive thinking has occurred as the direct result of the behaviors of our two-party system now in place.  The Democrats control the House of Representatives.  The Democrats represent the Blue States.  The Republicans control the Senate.  The Republicans represent the Red States.  If I was Dr. Seuss, I could write, “One State, Two State, Red State, Blue State” and make fun of the whole goddamned system … collectively, it has failed us all because it has created platforms that reward laziness and foil opportunity.  You see how we’ve all been programmed to think the way we think?  The media wants a Democrat in the White House so bad that it will allow the major cities in which there is a heightened fear factor to get more media attention, attention necessary to continue the polarization of America and potentially sway voters’ minds.
The Republicans want to keep their man in the White House because the economy (prior to the corona-crisis and George Floyd’s death) was doing so well … and a lot of Americans were employed.  Having someone in the White House who will propound socialist legislation to distribute wealth from the rich to everyone else so everyone else can live off the State is counterproductive to corporatism.  While corporatism does have its flaws, all races enjoy opportunities within the corporate structure provided they have right thinking and exercise right thinking to further their objectives and become successful.  If the Democrats were to control BOTH the House and Senate and have a Democrat in the White House, you can expect to have your federal income taxes raised, for Congress to spend without restraint, put more regulations into law curtailing your freedoms and to further the objectives for globalism and socialism, which in turn will stifle corporatism, discourage employers from hiring, which in turn will raise the unemployment levels in America.  It is a well-established fact that anywhere in the world taxes are raised, the populous goes “underground” to make a living (shadow economy).
This is not to say that the current two-party system has “restrained” itself.  It has allowed the fed to inject more money into the economy to benefit corporate America and doled out cash payments to a greater portion of American taxpayers and allowed the Small Business Administration to give loans to employers, who, after a certain period of time, can waive a certain portion of that loan into a grant that doesn’t have to be repaid by that business.  Well … someone has to pay for it at some point in time.  This is another mechanism by which wealth is redistributed to America … through government “DO SOMETHING!” programs.  The sheep are bleating, so the nanny state kicks in.  This is where I get on the soap box again.
WHY DO PEOPLE EXPECT THE GOVERNMENT TO DO THINGS IT WASN’T DESIGNED TO DO?
The founders of our country and framers of our Constitution knew full well what the consequences might be if government’s system of checks and balances was allowed to go unchecked or become unfettered.  As times progressed, politicians have learned to manipulate the law to fit their schematic intentions and have repeatedly stepped into “gray areas” where the rule of law doesn’t matter and political gains are everything.  The danger of moving away from a free Republic is that Constitutional controls are constantly violated in the name of political agendas.  When society starts experiencing a meltdown and the state fails in its attempts to exert control and in the course of such, violates constitutional principles, we move closer and closer to a nanny state society, which was not provided in the Constitution.  When you start to breach the Constitution with your own set of administrative rules, you by-pass the basic tenets afforded to everyone (not just white people) … and when people start creating and pursuing agendas that run contrary to life, liberty and property, they are asking for government intervention, in ways that they might not approve of … like disappearing in the middle of the night, succumbing to the virus or murdered in the street as part of a protest by national guard troops who have been ordered to shoot on sight.
THE NATIVES ARE RESTLESS … THE HONKIES ARE PARANOID … THE COPS PROFILE … 
Every one of the foregoing comments are relevant to this argument because these stereotypes have been infused into our society over time.  Prejudices are learned and children learn what they live.  Every time a police officer stops a car they are naturally in fear for their lives because of the civil unrest that abounds today.  Drug dealers are known to drive expensive vehicles with tinted windows so no one can see in.  My own 41-year-old son (who is white) can attest to that when he got pulled over because the cop couldn’t see him driving in his car, even though his tint was within the legal limits.  We see this happening because of numerous societal factors that have conditioned us to behave that way (i.e. gangsta, thug, mofo, punkass, popo, etc.).
Which goes back to wishful thinking?  If every person walked in love, we wouldn’t have people writing songs called Cop Killer and Fuck Tha Cops.  Songs about oppression have dominated the airwaves for decades.  We largely can point fingers at the media and Hollywood for glamorizing all of this, making it acceptable to act out Grand Theft Auto in society.   But this isn’t a video game.  This is real life.  If these protests keep up, America will have more than a rude awakening … and NO life will matter.  Foreclosures and debt collection activities will be the least of your worries.  Staying alive will outweigh all else.
THE END GAME
The probability of government intervention is likely at some point down the road.  It is undeniable that both public and private money is being thrown at drug manufacturers within Big Pharma to produce a vaccine at “warp speed”.  Fauci has stated previously that it would take 12 to 18 months to produce a vaccine, yet there is speculation there might be 600-million doses available by the end of 2020.  It is highly speculative that anything produced that quickly might not be truly “bench tested” with drug trial after drug trial to confirm what potential side effects any vaccine might produce.  This is, like everything else the government does, a rush to judgment.  Much like aspects of recidivism, when the country turns to bad behaviors, the regulatory “nanny state” steps in … and voila … you have socialism (mandatory vaccines by federal law, passed by Congress, who has been implored by “the people” to DO SOMETHING! to clear up all of this “bad behavior”.  Whenever the ‘state’ (or federal government) takes over and curtails a civil right or constitutional right (like the 4th Amendment, being safe in your person and papers) through the use of a mandatory vaccine (chip or no chip included as a means to track you), you have socialistic controls in place, which begat authoritarianism, which is a communistic dictatorship.  We might as well start referring to Congress as the Proletariat, because that’s where this is headed unless we all speak up for ALL LIVES MATTER!
In this case, the few (within the nation) that cause upset, thinking that they are doing what “matters” to them, could be enough to trigger a socialistic response from the government.  And there’s your connection.  By whatever means, bad behavior only pushes the government to behave badly. Every action produces an equal reaction.
Make good choices.  You are known by the choices you make.

 

 

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AMERICA’S HOUSING CRISIS, LIKE EVERYTHING ELSE, IS THE GOVERNMENT’S FAULT!

(OP-ED) — The author of this post is a consultant to trial lawyers handling chain of title and foreclosure matters and thus, cannot render legal or financial advice.  This post is for educational purposes only. 

I was reading a news article in the local paper by a local columnist entitled, “There’s no place for you here …”   The article basically pontificated that low and middle class workers cannot afford this area’s housing market.  If what that columnist said were absolutely true (and I debate his viewpoints in so many ways), whose fault is that?

America continues to face a housing crisis that state governments could create a master plan to solve, yet nothing obvious and straightforward is being done.  We all think that our elected congresspeople and senators in DC will do something about it, since the issue seems to be promoted as a national issue and not a state one.  Not so in my book because it’s all become politically relative.  Politicians simply say what the voters want to hear, whether what they say means anything or not.  The system is rigged to favor the elected and not the body politic.  We need to wake up and face that fact.

THE FORECLOSURE CRISIS CONTINUES TO FUEL THE HOUSING CRISIS … AND VICE VERSA

The “American Dream” has brought with it a ton of lobbying by the banks and their minions and history has shown us the “American Dream” has brought with it a ton of scandal, including the illicit manner that continues to happen in every county’s land records: manufactured assignments.  This garbage is the by-product of Wall Street and its desire to make itself rich through securitization, off the backs of investors and borrowers alike.  Because the laws that are legislated into existence seem to favor the banks and the oligarchs that run this country, a number of ideas are contemplated here:

  1. The politicians that run this country, BOTH Democratic and Republican, have notions in their head that they think they’re better than we are.
  2. Every two to four years, we all get to watch them smear each other on TV with negative campaign ads that frankly unzip the fly of dysfunctional governments at both state and federal levels.
  3. The two-party system rightfully caused this mess and the mess won’t stop until “the system of things” is changed in favor of the people and not in favor of politicians, who get to live out their retirement better than we Americans could ever have it, if we even get to retire.

Despite what you’re reading that is spewed from spoon-fed, government sources, fake news or not, foreclosures are continuing, whether in record numbers or not … and talk about a resolution to this mess is cheap in DC.  With the CFPB (or whatever “new and improved” acronym they want to apply to this now-seemingly worthless bunch of bungling bureaucrats) being watered down, aggrieved consumers can now stop turning to the U.S. government for answers and resolution because it won’t be there for them.

Our problem is … we depend too much on government to be our savior because the government has a bad habit of promising everything, but not without strings attached.  The banks have made sure of that.  Thus, securitization is back in full swing again and the same people who got stung by the last housing crisis are the first in line to apply for their MERS-originated mortgages … rinse and repeat.  Drink the Kool-Aid … rinse and repeat.  People who are ignorant of history are doomed to repeat it. 

This means more theft of homes, more trashed out and worthless chains of title and more shadow inventory being kept off the books, thus skewing the real numbers of  what’s being illicitly taken … and taken for granted … maybe we don’t have a crisis after all … ahhh … but we do.  And it’s not going away any time soon. As long as builders are building unaffordable homes (homes with a market value of over $250,000), this will force Americans to have to borrow more and drive them deeper into debt.  This is the typical Catch 22 syndrome of the mistakes we made in the last housing boom. Until builders are reigned in or people stop drinking the Kool-Aid, it will be status quo in America. The state and local governments could change that, but they’re not doing anything worth mentioning.

THE “CLASS SYSTEM” GAP IS EXPANDING IN AMERICA

I live in a county where retirees (some with accumulated wealth) comprise better than 25% of the population.  Home building permitting is at a standstill because of the backlog of builders coming back into the picture and the government has complete control of what these builders do, what they build and who they employ while building what they’re building.  Because permitting is taking so long and counties are becoming more particular about construction and design issues as well as code enforcement, the cost of housing becomes the victim of cost overruns.

Only one “affordable housing” project has been contemplated for this area and surprisingly, the home builders who are continuing to build “upscale” housing are part of the debate to limit that type of housing because of the “riffraff” it brings with it.  No one said anything about building “projects” here, as if that has some sort of negative connotation attached to it.   These builders however seem to forget that if only the wealthy people can buy homes in this area and rents are too expensive to support the lower income and middle income families, there won’t be any labor force to accommodate the service businesses needed to wipe the noses (and asses) of the rich people.  Yowsah! Yowsah! Yowsah!  I’m perturbed by this, because I used to own/manage/work in the restaurant business for many years and I can tell you how unpleasant things can get when people who have money take people for granted who are just trying to keep up, absent the snobbish behavior.  I must be a black man trapped in a white man’s body because there are days I wake up and I feel like a “slave to the riddim”.

And I’m not being facetious here.  I’m one of the lower to middle class, just like most of you.  Sure, I have my “American Dream” but it’s different from yours.  I do not support the DC behaviors.  Deep State is counterproductive to forward-thinking government progress because it seeks to disrupt change for the better.  I do not support the two-party system because of what it’s done to America.  I am non-partisan in my thinking here.  I have to be.  We all need to be realistic for the moment because our “spending habits” (Americans are deeper in credit card debt than ever before), which are created by the spending boom that occurs with “holidays” like Black Friday, fuels negative habit patterns that will drive lower to middle-income wage earners deeper into the abyss of debt and make them less likely to be able to even afford to rent because they’re too consumed with their “comfort zones” (what it takes to make us happy in the short term).  Americans rarely ever save (unless they’re rich and they can afford to save) and most live paycheck to paycheck.  What’s in your wallet?  More month than the end of the money?

So if you were fortunate enough to have been born into wealth or accumulated it through investing and working smart, then you can certainly understand what might be in the mindset of that waitress or waiter that takes your order the next time you go out to feast at a corporate restaurant chain because all of the mom and pop operations have since become scarce due to the way our economy has made it unaffordable to start competing small businesses … and yes, not without strings attached … again.

Our state and local governments have played right into this scenario by not mandating affordable housing as part of their “master plan” (albeit Multnomah County/Portland, Oregon is attempting a stab at it) in subdivisions that still provide decent living standards for lower to middle income families with homes priced between $50,000 and 100,000.00!  The success of that program remains to be seen.  The days of the McMansion are gone thanks to the new tax laws that limit the amount of property taxes that can be deducted on a 1040 tax form.  You can thank your DC bunch for that. Only the rich will be able to afford them … and with that … comes a whole different set of problems and risks.

Coupled with the foreclosure crisis, anyone attempting to buy shadow inventory at a discount risks legal battles (prolonged quiet title actions for example) that could prevent them from actually getting a bargain, unscathed.  This includes investors that are trying to accommodate the poor in making housing affordable.  There is going to have to be consideration factored in for rents, because what people will be able to afford will be way less than what the rich can afford.

There is further conflict in reports of whether millienials migrate to the inner city because of job growth or in the alternative, move out into “the ‘burbs” because of space and security.  While one study says millennials can’t afford today’s housing because they don’t save, live from paycheck to paycheck, continue to rely on mommy and daddy when things get tough and are least immune from impulse spending … another study says they’re just fine if they want to move to suburbia and that most of them are, according to studies.  The disinformation campaign isn’t helping matters much because it means more gobbledygook to wade through to get at the real truth.

The influx of foreign workers into this country isn’t helping our economy much because jobs are being created to accommodate those who will work for less.  This is forcing the class system in America to widen because the rich are paying this influx lower wages so they (the rich) can make more money.  Many workers who have migrated into the U.S. seek jobs that pay cash; thus, they pay no taxes, yet they get social security benefits and free health care, which someone else has to pay for.  The two-party system sees this as a means to an end … to woo more non-citizens to become voters so they can vote for the “party”, who influences their choice.  In the meantime, you saw what banks like Wells Fargo did to “encourage” migrant illegal aliens to open bank accounts.  The banks are supported by the U.S. government.  The servicers who work of the banks lie, cheat and steal in the name of the banks, taking property away from hard-working Americans using servicer-manufactured documents containing false and misrepresentative declarations.

WE HAVEN’T EVEN APPROACHED THE IDEA OF A CASHLESS SOCIETY YET

What the banks really want is a cashless society.   Many in the U.S. government support this idea.  Why?

  1. It’s a way to gain personal control of every hard-working American, forcing them to do transactions using a debit or credit card.
  2. Every transaction of the type identified in #1 is already being monitored by the U.S. government (FINCEN) and the private banking sector.
  3. It reduces the amount of goods and services sold and traded in the underground economy (or so they think).  It would actually promote and increase (incentivize) participation in the underground economy, more in rural areas than in the major cities.
  4. The U.S. government can simply take earned “credits” right out of peoples’ bank accounts any time it wants to, for taxes, child support, etc., leaving the individual with nothing to live on.

No one would want to migrate here after a move like that because illegals work for cash.  If no one possessed fiat “cash” (M1) then privacy rights would be completely removed.  By tapping into a bank account, the government could purposefully screw with anyone it wanted to, knowing exactly how much an individual is “leveraged”.  How in the world do you think the writers of Enemy Of The State fathomed this story line?  Do the writers know something we don’t?

When an individual can’t eat and feed his family because his “line of credit” or cash flow is suddenly cut off, what do you think will happen?   A classic “have not” scenario.  He takes from the “haves” by whatever means possible.   You really want to live in a society like that?  America is already ranked as one of the most dangerous places to live by Atlas & Boots and Forbes Magazine.  A cashless society would make a bad thing worse because the police cannot stop random acts of violence when they themselves could become instant victims.  No amount of deposited “fiat credit money” can stop a rebellion or even a full-scale revolution, which is what you’d have if the government insisted on going this route. The major cities would turn into blood baths.  I’m not being paranoid here.  Think about what you would do if you had to face this situation head-on.  What would you do?  After all, you gave the government your tax dollars and you voted for all of these politicians who loaded your “Government By The People” with hundreds of layers of bureaucracy, some of which has broken off and become a part of Deep State.

DO YOU SMELL SOCIALISM?

I majored in political science and journalism in college; thus, I posit the following scenario:

Imagine taking all of the money away from the rich and passing it around to all of the poor to fund the services necessary to accommodate the influx of non-citizens into America.  The poor will spend through all of their newly-found gratis like shit through a goose (an old saying of Gen. George S. Patton) and will then expect MORE.  Now there’s no future for American businesses because the wealthy will not be able to support their businesses and expand their businesses to accommodate more employees because they are broke (or taxed into non-existence), just like the rest of us.  This is why socialism hasn’t worked wherever it’s proliferated because someone has to pay for the “nanny state”, which the government created with your tax dollars. Socialism begats authoritarianism, which begats communism.  The result of communistic behaviors promotes crime (e.g. the Russian mafia, etc.) in order to circumvent and deliberately retaliate against government behaviors.

Everybody likes free stuff!  However, someone has to pay for the services that illegal immigrants are receiving in this country.  Someone has lost a job to an illegal immigrant.  Someone died at the hands of an illegal immigrant.   And more than 5,000 people are trying to get into this country illegally and the whole mess at the San Ysidro border crossing has been politicized to the point of nauseation.  No one is a racist just because they are implementing the laws that are in place in this country.  This is what the executive branch of our federal government was designed to do.  Blame our founding fathers for even thinking that we should all be safe and secure and live in peace and freedom.  Now I’m being facetious.  Depending on which political party (of the two) you belong to, you see 5,000 new voters, voting towards socialism and getting free stuff, or you see 5,000 new voters sucking off the teat of America and at some point in time, someone will have to pay for it. But how?

INCREASING TAXES PROMOTES REVOLUTIONARY IDEAS

Yes … just like in America’s Prohibition Era, whenever taxes were increased, people went underground to survive and the shadow economy flourished.  History has not changed.  U.S. government economists (like Bruce Bartlett) and socialist think tanks are still trying to figure out how to bring the shadow economy under control so they can tax it … yeah, good luck with that.  And who profits from all of this?  The banks.  After all, their “fed” is the one who keeps “loaning money” to the government, so it can continue to write checks its body can’t cash to support “nanny state” philosophies.

People seem to forget how history repeats itself.  It further seems to me that we got into a war with the British over a 3% tea tax, right?

The big outcry at the time was taxation without representation.  Think about the 23 taxes you pay on a loaf of bread and tell me that this country is not the frog swimming around in luke warm water. Unbeknownst to him, the master of the fire is turning the heat up to gradually boil him alive! Think about that the next time you have to pay for someone else’s direct benefit to your detriment (you’re broke again?).

TAXING APPROPRIATE SOURCES

Colorado and Washington State have discovered just how much extra revenue the recreational marijuana business brings in.  The federal government however, ironically doesn’t want to allow marijuana businesses to have bank accounts that the government can get legitimate tax gains from.  The irony of it all is that banks are great sources for laundering drug money, aren’t they?  When people who buy controlled substances like marijuana use cash they’ve taken from their pocket or their bank account, give it to a drug dealer in exchange for pot, who then uses those funds to go out and buy basic necessities to live on and spends the cash right back into the mainstream economy … that money ends up getting deposited into someone else’s bank account at some point in time down the road.  Yet, those in government that have created all of this “reefer madness paranoia” legislation seem to believe that the banking system Uncle Sam borrows from (and then spends it like a drunken sailor) plays no part in it; thus, the government shouldn’t be held accountable, even though it provided the vehicles and the mechanisms in which buying drugs is facilitated.  People pay for drugs with cash … not a debit or credit card.  Any cash can be “laundered” no matter what source it came from, even if legitimate.  Our foolish government could be taxing pot sales at all levels but the politicians won’t listen to the voters, will they?  And that’s just one area that the politicians who allegedly run this country aren’t listening to … or if they are listening … they don’t care and they vote the way they want to vote.  If they want to keep pot illegal, despite what the voters want, they’ll keep pot illegal.  This is another prime example of the way our government is to blame for its failure to counterbalance revenue shortfalls.

THE “CLASS SYSTEM” GAP FUELS THE CRIME RATE

And just when you thought that a cop shooting an unarmed “African-American” wasn’t bad enough, I still maintain that when you displace a family on the street … and the head of household runs out of options, you end up with more murder-suicides, suicides, death by cop and crimes against property when the system can ill afford to maintain law and order in the present day as it is … all because the local government, which has every means to change the environment in every one’s favor, still wants to make its “master plans” cater to those who can afford it.  It doesn’t matter what race, color or creed you are!  The biggest mistake facing America today is allowing the class system “gap” to widen. By allowing the class system gap to proliferate throughout America, the scales could tip to the point that when there’s nothing the “have nots” won’t do to take from the “haves”, we’ll end up in another civil war (regional in nature, maybe) … and it’s our state and federal politicians that have widened this gap … so they can come in and play nanny state.  The widening of the gap promotes the idea that socialism will fix it, which is false (if you’ve studied economics).

When it comes to a prime example of how easy it would be for civil insurrection to occur, visit an area that’s been placed under martial law (you may not see eye to eye with me on this).   Here’s a mild example … go into any hurricane-affected area and see how the government treats the locals.  Why was Blackwater brought into New Orleans following Hurricane Katrina?  To prevent armed insurrection … because that’s where the city was headed. Anyone who has been through the “Superdome” experience can attest to that. When disaster strikes, what’s the first thing the “have nots” do?  Loot!  It never ceases to amaze me that “have nots” would grab TV sets while looting a disaster area when the electricity is out.  You can’t eat or drink a TV.  You really think the pawn shops are going to accept stolen merchandise, just so you can have a cheeseburger?  The “have nots” come in every race, color and creed.  If they have no money and they’re hungry, what do think they’re going to do at the first opportunity? (I’ll let you figure that one out.)

When the 2008 financial collapse occurred on Wall Street, then-Secretary of the Treasury Hank Paulson was calling congressmen telling them that if they didn’t bail out the banks, martial law might have to be declared.  You see how the government’s mindset behaves when a disaster strikes. Hence, TARP was created.  Even more sadly, most government employees believe everything their government tells them!  That’s how the government gets more support for its nanny state policies!

THE FOUR MOST IMPORTANT BASICS IN LIFE: FOOD, WATER, SHELTER … AND A WAY TO MAKE A DECENT LIVING

If you’re employed in any one of these first three areas, you will always have an income because everyone needs these three things to survive in America.  This is no longer the American Dream but the American Nightmare.  Anyone living under substandard conditions will agree with me that the family unit is in jeopardy.  Tempers flare because of lack of money or the sudden shift in any one of the basic three things needed to survive, which includes being displaced from your home.  I wrote about this in Clouded Titles.

Now that I’ve painted a minuscule picture of  “the ghost of things to come”, we need to take a stand (at least on our own behalf) to take all of these factors into consideration … and then do something civil about it.

FOOD

I find it best to research one of the basic first three areas and find a niche within it.  I know a lot of people that are resellers for survival foods.  I know fewer who have actually now resorted to truck farming (it’s also an underground economic niche and can be very profitable) and I used to help pay my mortgage payments on my first home with a hen house full of laying hens (eggs are great barter material too).  In order to accomplish all that, you might think “country”.  There is a lot of unrestricted land out there and folks living in these areas tend to think a lot alike (they don’t like big government) … something the U.S. government doesn’t like.  Whatever the government doesn’t like is probably a great thing for America because anything that happens in the hinterland benefits the local economy, not DC.  All of the possible changes you could employ to affect a positive outcome for your local economy are a good thing, even if you’ve been foreclosed on and have to start over again.   There are areas of the country where land is still cheap and food production is in demand.  Even in WWII we had “Victory Gardens”.  Flea markets are a great source of networking!  Food trucks can also be a profitable business if run right, albeit you’ll be facing permitting issues and health regulations.

WATER

I cannot believe that people have actually run afoul of the law for harvesting rainwater.  However, it’s a great source of income.  Who would have ever thought that putting water in a plastic bottle and selling bottled water would ever work?  Whoever did is making a killing now because the well hasn’t run dry and the merchants have made the bottled water industry a necessity of life, even if it means you have to dispose of something that’s not biodegradable. With our water supplies / groundwater becoming contaminated (see Flint, Michigan), water filtration systems is also another big business that the wealthy certainly can afford.  Even smaller supply, pour-over systems sell well during hard times.  Man cannot live without water … so getting into any business that involves the production or supply of clean, potable water is a good thing.

SHELTER

Your PLAN B might include doing what I did in buying a tract of land, owner finance. My payments were $222 a month for 10 years.  Even on a fixed income, pulling a used mobile home out onto a tract of land works, especially if it’s paid off.  I used an investment return to pay for getting set up on 3/4-acre mortgage free.  Just to show you I’m not kidding, see below (front and back yard).  I was only 40 minutes from Austin, Texas!

This is what mortgage-free living can look like, if you have a PLAN B that you can start up on a small budget without having to get a mortgage. Anything relative to setting up shelters for people on unrestricted land out in the country is a good thing.  We had German Shepherds roaming the property so we never had to worry about break-ins.  It cost me less than $15,000 out of pocket to set up!   You could even do it for less with a little creative thinking!

It is amazing what you can find out there to live in, it’s peace and quiet country living … and you could put your property into a trust for asset protection to keep it away from the money-grubbing banksters or debt collectors trying to collect on judgments!  Sure, it’s not a McMansion, but it’s home and it’s a stress-free environment!  It’s also far from the madding crowd … so in the event of unrest, you’ve got more time to plan and react if you need to.  Anything connected to real estate … agents, brokers, investors, developers, storage sheds, portable buildings (which can be converted into housing) and cabins … can be profitable with a little marketing. Any carpentry skills become a real plus!

MAKING A DECENT LIVING

Retirement is NOT a part of my vocabulary. I don’t see what the big rush is to retire anyway, given the fact that the government would like you to wait until you’re 70 to start drawing Social In-security. Besides, any business worth having means that an entrepreneurial spirit is probably alive and well and is driving the business forward.  If you’ve lost your regular job (or you think you might lose your job), this is the time to start planning for your future.  An active LLC or incorporation costs next to nothing to set up and consulting businesses (like mine) take a lot less money to start up.  There are books out there that have oodles of information in them on how to start your own business. Find something you’re good at and go for it.  Don’t turn a negative foreclosure into a pity party.  Use it as your learning curve and don’t make the same mistake next time.  Examine what caused you to get into the mess in the first place and then … go out and do just the opposite.  The banks may hate you … but hey, mortgage free living is really where it’s at!  Being self-employed means taking home more of your paycheck NOW and not having to wait on a tax refund from the government, which has been operating in the negative since 1933.  It’s also another great way to live without borrowing!  Being creative about it is what I find most rewarding.  As an afterthought, only create these entities if you have the means to keep track of their accounting and tax filing status.

Retraining in later life is not as bad as it sounds, even if you’re disabled.  As long as you’ve got brains, there’s a consulting position out there or a desk job that will pay you a decent living with little up-front investment.  Thinking positive in this day and age is hard to do. There’s so much negativity around. The idea behind all of what I’ve just stated in my foregoing diatribe is designed to get your inner sanctum churning because the times, they are a-changing, again!

 

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Filed under INVESTOR END-GAME STRATEGIES, OP-ED, Securitization Issues

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

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

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

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

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

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

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

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

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

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

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

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

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Filed under BREAKING NEWS, OP-ED