Tag Archives: socialism

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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FIGHTING TWO BATTLES AT ONCE

(OP-ED) — The opinions expressed in this post are those of the author and do not reflect the opinions or affirmations of the political hierarchy in America.  These opinions are offered for the purposes of self-preservation in a time of dual crises in America. 

POSTULATING REALITY

America is in crisis mode.

I would say that the statement I just made is correct given that we have two separate battles we are fighting.  One to save ourselves and one to save our homes.

I think we can all agree that the combination of circumstances could be timed to coincide with each other (the coronavirus pandemic and the execution of George Floyd) as catalysts for what is to come (a spike in COVID-19 cases and the upstart of foreclosures) because (with the help of the liberal media) most of America is “not awake” and is being conditioned for slaughter (if not at the hands of the rioting, then at the hands of the vaccine) and potential homelessness (or direct conflict on America’s streets).

Given what we know about the scientific mapping of xenotropic murine retroviruses (XMRV’s) and the medias ignorance of them, Americans are in the middle of a war for their votes as well as their mindsets.  Most of the folks on this blog have read up on the research conducted by Dr. Judy A. Mikovits (who I would like to interview on my radio show, specifically about the science … to have her explain all of this in layman’s terms) which she claims was covered up by Dr. Anthony Fauci and the National Institutes of Health (the NIH) and others, who rewrote and published false data in order to cover up government liability for allowing lethal vaccines and viruses to be put out into America and the world.  Several scientists who attempt to go public with information that could be considered vital to saving lives ended up dead.  This is documented fact.  In her book, Plague Of Corruption, Dr. Mikovits gives the names of those individuals and briefly outlines their tragic endings, most of which were ruled suicides (e.g. Vince Foster).  There is no conspiracy when it can be documented that: (a.) the dead individuals were scientists; (b.) the dead individuals were involved in government research; and (c.) the individuals are dead in tandem with their data being whitewashed by government-funded agencies.

THE TIP OF THE ICEBERG

This scenario goes deeper than just the idea that a vaccine (the savior of the world) is being synthesized in at least 8 different laboratories (according to Fauci himself; using lab rats and former COVID-19 patients) with the intended use of being injected into unsuspecting “victims”, all of whom should consider themselves “guinea pigs of science”.  As Dr. Fauci admitted to the Senate (regarding the vaccine and its development) in contradictory vernacular … “The NIH trials moved very quickly … on January 10th the sequence was known.”

Wait a minute.

If the World Health Organization (WHO) knew on December 31, 2019 that the coronavirus was wreaking havoc on the Hubei province in China, then, in order to conduct trials to have a result by January 1oth (as to an RNA sequence of the retrovirus), then Fauci and others either had previously known of a breach of safety protocols at the Wuhan Institute of Virology and had actual samples provided to them to begin sequence testing on.  Remember the timeline.  WHO did not announce this pandemic until January 15, 2020 and only a small percentage of America paid any attention (“It can’t happen here.”).  Vaccine development, according to Fauci’s own testimony to the United States Senate, began on January 14th (2020) … the day BEFORE the World Health Organization announced an active worldwide pandemic.

How could Fauci and the NIH know what they were looking for unless they had access to the virus?  We have to ask why the Wuhan and Fort Detrick, Maryland bio-labs shut down?  Who gave Fauci and the NIH the money to fund the Wuhan Institute of Virology’s experiments with coronaviruses?   What did either facility have to gain by culturing these viruses in a lab?   Why did it all of a sudden become necessary to cause a major distraction in America, following bailouts of the “too-big-to-fails” as well as the minuscule payouts to American taxpayers to create a sense of false security (like our government was actually doing something to jump start the economy)?

The major distraction I’m talking about here is the purposeful videotaping and dissemination of the execution of George Floyd at the hands of four Minneapolis Police Officers.

At the point I saw the video, I’m asking myself (and you may have been too):

  1. Why did the person doing the videoing of the execution not tell others to call 9-1-1 and report what they were witnessing to tell dispatchers to send supervisory personnel to the scene to stop the execution?
  2. What purpose did the cop who had his knee on Floyd’s neck have for staring blindly into the camera as if he were purposefully making Floyd’s death look like a white-on-black crime of police brutality?
  3. Why didn’t the bystanders to the entire event jump the cops and pull them away from Floyd and beat the holy shit out of the cops and save Floyd’s life?

These bystanders saw one of their own in trouble and did nothing to help George Floyd.  And now they scream “Black Lives Matter” while infiltrators penetrated their ranks and caused riots, burning and looting of stores and homes, while beating and killing store owners and police/security who were trying to defend others and their property?

I don’t get it.  Well … maybe I do, but are you ready for the realization that all of this was orchestrated to draw your attention away from the real caper?

The vaccine … and the tainting of the upcoming elections to steer America further into socialism.

Fauci told the Senate that the vaccines would be ready by late winter, yet it has already been announced that over a million vaccines are ready to be administered.

Something isn’t right here. 

Fauci claims that America is “Chairman” of the vaccine program and he further admitted that a vaccine will be produced to inoculate the world, not knowing of the consequences (the risk) of whether the vaccine will actually work.

“I must warn that there is also the possibility of negative consequences … that certain vaccines can actually enhance the negative effect of the infection.  The big unknown is efficacy.”  Fauci told the Senate.  Efficacy has to do with the success of a desired result.  What might that result be if the consequences could be negative?  DEATH?

Fauci went on to admit that all of the research has been accelerated through public and private partnerships (with Big Pharma, the bunch that has the biggest lobbying effort in Congress) to speed up the research and production of the vaccine so that billions of doses can be sent out worldwide … this is like a rush to judgment in my book.

Until they start inoculating the willing souls, we won’t know whether they’re actually going to be giving Americans and citizens of the world a vaccine that could infect human tissues with retroviruses that will kill over half of those injected within a short period of time.  Imagine only having half the world’s population to contend with?

Would it be easier to deal with and control many billions of people?  Or would it be easier to deal with and control millions of people?  Would lower numbers make it logically easier to control the population of any given country?

THE SECOND “WAR ON AMERICA”

And as states allow the administration of the vaccine, not knowing of the intended or unintended consequences of its administration, the folks who were out protesting (and rioting and looting and burning) have now potentially put themselves in harm’s way, not just from the vaccine itself (which might deliberately give them a full-blown case of COVID-19 which will kill them), but leave their families destitute … and what happens when you let your guard down?

The banks strike!

The next major land grab may play out this way.  And if you have been indoctrinated by “false flag programming” (media conditioning), you will not be of sound mind to wage war against the mortgage loan servicers coming to take your home. Look at it this way … throughout history … who makes money off of wars?

The banks do!

Throughout history it has been shown that the major banking institutions have funded both sides of actual conflicts (wars).  And those who have played into the Black Lives Matter are the first ones to start screaming to the government for help (nanny state tactics aside) in saving their homes because the families living within them have been decimated by a vaccine.

The one thing that Dr. Mikovits made note of in her book, which I paid particular attention to, is for those wishing to research patterns of medical crises as the result of a vaccine look into what vaccination programs were being administered and where, prior to the outbreak of the medical crises in that given area.  This should tell you what to expect in different parts of America or parts of the world (like Africa … where Black Lives Matter?) where administrations past have conducted vaccination programs, resulting in spikes in disease and death.

Waging war against a bank in the middle of a crisis like this (constant fear of home invasions by looters and rioters and other forms of civil unrest) will have people on edge, which is the perfect scenario for the banks, their servicers, the trustees and their lawyers to take advantage of an already-heightened “fear factor”.

How will people of color (especially those who participated in the protests) explain to police that crimes are being committed against them and to investigate those financial crimes, after telling police to go fuck themselves and protest that departments should be defunded?  How do these people expect “help” from the very same law enforcement in investigating whether intentional identity theft and misuse of their personal information is being used to foreclose on their homes after they had the unmitigated gall to exact violent and radical behavior against law enforcement agencies across America?  I find all of this counterproductive.  It’s just that those who were part of the problem now expect law enforcement to be part of the solution.  I really get that.  It’s not happening for them.

My prediction here is that those Blue States who are in financial trouble and whose populations demonstrated the highest levels of radical and violent behavior will suffer the greatest number of foreclosures in this upcoming second attack by the banks because of their own demented behaviors in promoting civil unrest, disorder, disobedience, destruction of property (both public and private), violence resulting in death, all the while making a mockery of America’s failed justice system.  And you expect the courts to be on your side when you have to go into their tribunals and wage war to save your home?   The judges watch TV too.  The judges are (I would suppose) equally perturbed at the BLM campaigns being waged across America.  I believe that judges are going to be less sympathetic to homeowners because of all of this protesting and rioting, which is why I made the foregoing assertion.  We’ll see how much Black Lives Matter when the foreclosure crisis kicks in again.

Instead of becoming united ahead of a major election, Americans have become disjointed, which is what many Democratic politicians believe will work in their favor come election time.  Could we assert that people who died of COVID-19 are still registered to vote?  Could their vote still be cast for Democratic politicians even after they’re six feet under?  You bet.  This is what is driving America closer and closer to socialism.  One of the key fundamentals of socialism is wealth distribution.  Wealth distribution promotes laziness (free handouts).  Laziness brings with it a false sense of security.  Having a false sense of security makes one less resistant to the element of surprise.  Having the power to swoop down and take over neighborhoods by and through military force works even better when no one is expecting it.

Socialism begats communism.  Why do you think Russia is officially referred to as the Union of  Soviet Socialist Republics (USSR)?  And now we have China to worry about (potential Cold War because of the dispersion of the coronavirus) as well as our own government (disjointed politicians who are being lobbied by Big Pharma to destroy us because our very own taxpayers dollars with funneled through the NIH to Wuhan, China).  Not the greatest scenario for trying to defend your home, eh?

WAGING WAR AGAINST THE SERVICERS

As I close out this segment, remember that these entities have been paying the REMIC trusts’ investors advance payments while the corona-crisis was ongoing.  When the moratoriums are lifted, you can bet they’ll be knocking on your door asking to be reimbursed in some way, shape or form.  As a result of the advance payments, you can expect the following to occur:

  1. If you’re current in your mortgage payments, you won’t need a forbearance or a loan mod, which is why the second wave of REFINANCE YOUR HOME campaigns are going to start up in the fall (watch for it … they want to make sure every home loan is securitized … making it easier to steal in case you default);
  2. If you’re only a month or two behind on your mortgage payments because you’ve been out of work for a short period of time but expect to resume employment, you can expect to be offered a forbearance;
  3. If you are several months behind, you are more than likely going to be offered a loan modification, which promotes the use of a trial period of payments (so the servicer can reimburse itself for all of the advance payments it made on your behalf); and
  4. If you have been way behind in your payments, you’re likely to face immediate retribution by the servicers, as taking and selling your home, whether by stealth or through the use of feloniously-recorded documents, will play out as quickly as the servicers can get the “legal ball to roll downhill”.

Given the atmosphere in America, humility in front of the judge may not cut it.  You’re going to have to solidly prove that your rights are being violated or that illicit behavior is being committed against you.  With the coronavirus causing the courts to conduct hearings electronically (what society wants you to believe is the “new normal”), your chances are even less of getting a fair shake because that judge doesn’t have to face you (in person) or your wrath after you’ve been screwed in electronic court.  The panic created throughout the court system will work to the disadvantage of those who are unprepared for it.  This means your pleadings are going to have to be well-thought out, on point and divisive.  There will be no room for error because of intolerance created through civil unrest in America.

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The Pooling and Servicing Agreement: Why eat just half the enchilada?

Securitization Issues — Throughout the trials and tribulations of pouring over thousands of documents, the same issue keeps popping up in my head.  Why are attorneys claiming to rely ONLY on the Pooling and Servicing Agreement (the “PSA”) to establish REMIC failure and nothing else?

How many cases have you read in the last two years that there was strict reliance on the use of the PSA to win a foreclosure case?

I have read of very few instances that go into extreme detail in an attempt to educate a judge (unless you’re in one of the “sand states”, which got hit the hardest and well before the rest of the nation caught on), who really didn’t major in securities law (unless you happen to be “seated” somewhere in the Southern District of New York), all the while opposing counsel is objecting to entering the PSA into evidence at trial.  At the end of the day, who has the note with the right to enforce it seems to be the bottom line.  This issue has also come under severe scrutiny, because when MERS and securitization are involved, it means the promissory note you signed is now an electronic memory and does not consist of what the bank’s attorneys claim is “the original note”.  (I will save the forensic discussion of promissory notes for another argument and another article!)

Perhaps it’s because some well-meaning individuals out there in the legal world told the attorneys that the crux of their argument was in the PSA.

I say, “No, it’s not just the PSA! You’re only eating half the enchilada!”

I am writing this piece (not for my own self-gratification) for the sake of those who have gotten past Securitization 101.  I know most of the blog readers understand what a PSA is and what it contains.  They subscribed to this blog in the past because there was something worthwhile posted on here, so the assumption is … the PSA to the readers of this blog is at least within their sphere of knowledge.  This may be a little “deep” for those of you reading this post for the first time.

In my travails, I have discovered that the “blind eye” seems to include such terms as “Cut-off Date” and “Closing Date”, when referencing the PSA, yet these terms are not found in the PSA.  They are merely referenced.  To find these two dates, what must one do?   Go to the front of the bloody 424(b)(5) Prospectus and find it within the first few pages of the document’s definitions.

I am not being paid by SECINFO.COM to tell you that it is much easier to search for REMIC information on this website than many of you have experienced on SEC.GOV.  I only use SEC.GOV to order complete certified copies of the 424(b)(5) Prospectus, because I want to eat and digest the whole enchilada. Why?  Because I’m hungry for the truth, that’s why.  I want the truth, the WHOLE truth and nothing BUT the truth (the WHOLE truth).  That means, if I have to peruse a bloody 400+ page prospectus that defines the parameters of how a REMIC behaves, I’m going to get this knowledge in my craw, because it’s going to come in real handy and some point and this is an RMBS Trust we’re talking about, it’s somebody’s house that is affected by what’s in this bloody document!

If man’s thought processes anything like electricity, it’s following the path of least resistance.  There are “securitization gurus” out there in the hinterland that I tip my hat to because they’ve gone above and beyond the call of duty in reading and understanding the entire “enchilada” (the sales pitch), and you know who you are, but they keep pointing to Section 2.01 (or its relative counterpart in some other types of PSA’s) and not referencing (and including as evidence) the WHOLE truth.

I say, the judge needs to “get smart” in order to play the game.  But … most won’t.

I’ve also heard that judges in America really don’t give a shit about you and whether you lose your home. You didn’t make your payments so you deserve to, whether someone else made them for you or not.  Judges just want to clear their court dockets as quickly as possible to convince the populace and hierarchy that keeps putting them on the bench that they are efficient in their duties and that their political careers and pensions are priority #1 (and go play golf and vacation with their families).

If you wonder what others are saying about judges across America, just dial up The Robing Room and see for yourself!

It seems like the foreclosure defense community just wants to “cut to the chase” to inform the judge that the “path of least resistance” is out there.  All of us lazy folk don’t have time to read the whole enchilada.  (“Your Honor, we know you have a full docket today, so out of professional legal courtesy, we’re not going to waste your time … because after all, we’re ‘officers of the court’ and we have a duty to represent the concerns of the court first, the public second and our clients … in last place!  We have a business model to run, Your Honor, and we can’t do that wasting time in court, when we can make money playing the delay game.  Oh, wait!  That’s part of Your Honor’s game too!  Drag the proceeding out as long as possible so the homeowner runs out of money, gives up and walks away, right?  Either way, the banks win!”)

The foregoing thought process sounds like many a pissed-off homeowner that has lost faith in America.  You know what?  I don’t blame you.  I’ve lost faith in America too.  I’ve learned that you cannot depend on the charity of others in your quest to survive. However, we live in a society that condones and promotes such behaviors (it’s called socialism) and the multiculturalized American society gobbles it up like a hot enchilada.  But … they eat it so fast they don’t take the time to digest it and it passes through their systems like “shit through a goose” (to quote Gen. George Patton). Yet these same pissed off homeowners are quick to criticize anyone else that’s trying to do the right thing, as if we’re all destined to be miserable in life.

This is the chief concern when I don’t see the entire 424(b)(5) Prospectus (in certified form) being offered as evidence at trial. One can always “tab” the document with miniature, self-adhesive type notes or make reference to those sections of the document in their written arguments so the judge will see it.  Bankruptcy judges have to deal with this all the time, because they’re concerned about debt, not chain of title.

So the question then becomes: Does securitization actually have anything to do with chain of title?  Do you know the answer?

YES! 

It’s just that Wall Street’s idea of “pure intellectual masturbation” hasn’t permeated into the crevices of America’s primary educational system.  Kids in school today don’t even learn “Checkbook 101”.  Nope!  They just want their allowance so they can go out and blow it on junk.  Wait a minute!  That sounds kind of like Wall Street in 2008 when everyone in the securitization game was being compensated into the millions so they could go out and party in blow, booze and hookers, doesn’t it?  Now, I suppose some of you out there are also picturing Dante’s Inferno, right?  Especially the Third, Fourth and Eighth Circles. 

When it comes to securitization, you simply CANNOT cut corners.  If you’ll notice, the entire 424(b)(5) Prospectus document, in whatever form, has some commonalities:

  1. It was signed under penalty of perjury under the Sarbanes-Oxley (“SOX”) Act.
  2. Virtually ALL of the REMICs have Cut-off and Closing Dates.
  3. The chain of title to the subject property (under attack) probably contains an Assignment of Mortgage or Assignment of Deed of Trust that makes reference to a REMIC by name (if it’s written correctly, some aren’t). This is where the REMIC shows up in the chain of title and becomes a “party” in the “adverse claimants to title” category.
  4. Most if not all of the time, the Assignment in question (also suspect to this very day) was drafted by the employees of the mortgage loan servicer you’re trying to deal with, using MERS or some other “made up” interest so the servicer can “hide behind the scenes”.
  5. All prospectuses make reference (somewhere in the document) of who the “players” in the securitization game are, generally they’re right up front.  These are offered to investors right up front, prior to investing, which also promoted the caveats (there were no guarantees), when the creators of the REMICs knew exactly what they were doing in running the reader around in circles (the “pure intellectual masturbation”) until they’re so confused they don’t know which end of the document is “up”.
  6. All make reference to who collects the money to support the distribution payments to the investors at the other end of the REMIC who claimed to be harmed when the REMIC drags you into court or announces it’s selling your home on the courthouse steps.
  7. In some way, shape or form, most if not all prospectuses contain a Pooling and Servicing Agreement of some sort, which explain HOW mortgage loans are supposed to be conveyed into the trust pool and when.

The problem is, none of the banks ever followed their own rules.  The servicers of the mortgage loans began paying your mortgage loans for you when you hit your financial “tipping point” and couldn’t make them any longer (or wouldn’t because you found out the truth).  When the borrower stops making payments, the servicer starts making the payments for the borrower.  This is mandated by the Prospectus, but again, how convenient THAT was left out of the legal equation brought before the Court.  We couldn’t have the judge thinking some rich uncle was making our mortgage payments now, could we?

UPDATE: A NEW TWIST OF THE TALE! 

Some REMICs have a third party involved.  That third party is called the Credit Risk Manager.  It’s generally an outside company that is paid a fractional portion of the REMIC’s gain to monitor the activities of the mortgage loan servicer.  This would mean that this entity has documentation (that it gets on a regular basis, IF it’s doing its job properly) being supplied to it by the servicer and the Trustee (if certain aspects of the REMIC’s operations are applicable) for evaluation to make sure that the servicer is doing its job correctly in compliance with the REMIC’s own governing regulations.

To insist that the Credit Risk Manager may be in breach of his fiduciary duties to the REMIC would depend on three (3) things:

(1) The Credit Risk Manager (if one is shown, not all REMICs have them) was not compliant in keeping track of the servicer and its records;

(2) The Credit Risk Manager failed to report the failure of servicer compliance to the Trustee; and

(3) The Credit Risk Manager was getting a paycheck for doing nothing.

This is another classic example of REMIC failure!

OCWEN FESSES UP!

The judges just want to give your homes to the bank.  They really don’t have time for details.  Right?

Again, I post the following for your consideration: Ocwen’s Letter to 6 Government Agencies

The foregoing transmission is 9 pages long.  I would suggest, as part of your digestion process of “the whole enchilada”, you focus on the parts of the Prospectus that talk about payments being made to investors to keep the REMIC going.  What happened in 2008 was pure “overload” on Wall Street’s financial system.  When you read this Ocwen transmission, you will probably be infuriated, because this affects NOT JUST OCWEN, but EVERY mortgage loan servicer out there!

Read the 9 pages again!  The servicers are the parties doing the foreclosures in the name of the lender.  The problem is, you don’t have a written agreement with the servicer.  You have a written agreement with the Lender.  If the lender’s out of business, the servicer is still collecting mortgage payments and is still paying the REMIC’s investors.  When you stop making the mortgage payments, along with your taxes and insurance payments, the servicer makes them for you!

In the case of a GSE, like Fannie Mae, Freddie Mac, Ginnie Mae or Sallie Mae (WHAT?  Student loans are securitized too?), they too manage REMICs and are knee deep in securitization failure just like the rest of the published REMICs contained within the SEC’s databases.  If there is default insurance involved anywhere in the securitization process, someone got made whole (or at least the payments kept coming in to pay investors), so who is “harmed”?

THE SECURITIZATION CHAIN

The way that the OCC Asset Securitization Handbook contemplated the path of cash flows through the securitization chain started at the top, with the Borrower.  Even U. S. Bank, N.A. admits the Borrower is a party to the Securitization Chain in its 4-page brochure, here:  US Bank Brochure – Role of the Corporate Trustee

So then, why do bank attorneys in court keep downplaying that the Borrower has nothing to do with the Assignment of Mortgage, when the Borrower clearly is AT THE TOP OF THE CHAIN? (taken from p. 8, virtually right up front, just like the Cut-off and Closing Dates are located in a Prospectus).

 

The “Originator” and “Servicer” work in tandem with (but independent of) each other to make the loans and then collect the payments so the investors who “buy into” the securitization scheme get paid (on the distribution date, generally the 25th of every month).   The “Rating Agency” issues ratings for the bonds the investors would be able to buy (this is shown in the Prospectus, NOT in the PSA).  How much more evidence do you need that the Borrower’s payments to the chain have everything to do with compliance of the entire Prospectus, even when the Borrower DOESN’T MAKE THE PAYMENTS!

For the purposes of this discussion, we move within the path of the securitization chain to discuss WHO makes your payments when you can’t.

The following item was taken from the front end of the Prospectus (NOT in the PSA, which I why I say ya’ll spend so much time focusing on the PSA, you miss the good shit**):

 

 

So, if you think I’m making this stuff up, think again.  This paragraph (taken out of the front end of a Free Writing Prospectus in conjunction with the REMIC paperwork offered on SECINFO.com, which I subscribe to) explains the same thing that the 9-page letter Ocwen wrote about who makes the payments when the Borrower doesn’t.  So, these are the “baker’s dozen” questions I leave you with:

  1. Is your written contract (the Security Instrument) with the mortgage loan servicer or with the lender?
  2. Does it say anything in your Mortgage or Deed of Trust that the Servicers may change during the life of your loan?
  3. Did anyone tell the mortgage loan servicer to make your payments for you when you couldn’t?
  4. Did the mortgage loan servicer handling your loan tell you that it was making your payments for you when you couldn’t?
  5. Did the foreclosure mill law firm mention in the foreclosure complaint that the servicer made the payments for you?
  6. When you asked the servicer (in discovery or through a QWR) for a payment history, did the servicer disclose ALL the payments made (including the payments the servicer made)?
  7. Did the servicer’s law firm misrepresent the character and status of the debt as being in “default” when it really wasn’t? [FDCPA § 807(2)(A)]
  8. As the result of Question #7, has the servicer been wrongfully trashing your credit reports? (FUTURE CREDIT DAMAGE, actual harm under Spokeo v. Robins)
  9. As the result of Question #7, did the foreclosure mill law firm attempt to collect payments from you that you believe were already paid by the servicer?
  10. As the result of Question #7, did the foreclosure mill law firm allege that the REMIC was the Plaintiff when the servicer had been paying the REMIC’s investors all along?
  11. If the servicer had been making the payments all along, was the REMIC and its investors actually harmed?
  12. In deed of trust states, are you non-judicial foreclosure victims now kicking yourself because you didn’t realize this information was in the Prospectus … and you could have truly fought this?
  13. If you retained an attorney to fight your foreclosure, why didn’t your foreclosure defense lawyer pick up on this?  (Remember, the path of electricity?)

Therefore, it would stand to reason that if everyone stopped making their mortgage payments on known securitization chains, the mortgage loan servicers now in existence would go broke overnight making everyone’s payments, as there isn’t enough money in their coffers to support doing that.  All of the RMBS’s on Wall Street would go under on the distribution date following the borrowers’ loan payment stoppage.

See how easy it would be to collapse part of the U.S. economy?

We’re not talking about the TBTF institutions that started all this garbage, we’re talking about the loan servicers that are the real parties filing foreclosure complaints trying to collect their “servicer advances” before the REMIC itself, which has been getting paid all along, gets any residual payments.  It’s the servicers that are lying to the courts in an attempt to reimburse their coffers for all the money they’ve stolen from everyone’s escrow accounts to keep securitization afloat! 

Eventually however, the investors would get stung.

Ignorance is bliss.

For now, I rest my case.

**The information shown above came from SEC filings on behalf of the Bear Stearns Asset Backed Securities I Trust 2006-AC1.

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