Reflections: Rich Passages Through Needles

August 5, 2012

(Romney’s Gods Problem)

Matthew 19:24
And again I say unto you, It is easier for a camel to go through the eye of a needle, than for a rich man to enter into the kingdom of God.

The key is a question: Why?  Without understanding why (where various paths are available for realization), one may acknowledge this passage, yet, never actually care about, or learn (or live) the message – as (a cored) truth.  Thus, for most of them, those who do not righteously seek, and those whose silver-spooned existence since birth has deprived (both by choice and obscured nature) even their imaginations of what the burdens are, of what those burdens lead to for the poor, their paths are essentially predestined in opposition – to discovery, to the answers.

In further exemplification, the latter denials (still) serve to fulfill the most destructive self-serving delusions (and repercussions):

Matthew 21:12-13
And Jesus went into the temple of God, and cast out all
them that sold and bought in the temple, and overthrew
the tables of the moneychangers, and the seats of them
that sold doves,
And said unto them, It is written, My house shall be called
the house of prayer; but ye have made it a den of thieves.

In the present, a “rich” “den of thieves” persists in maliciously premeditated mockery – but not only in “house[s] of prayer”; for now, their soullessly hoaxed ideology (as if a religion in itself) has been firmly planted (“that, if it were possible, they shall deceive the very elect”) in media and coordinated governmental campaigns worldwide.  To them, as they believe, their time has come.  To those on the outside (of earthly mansions), watching, suffering, and rising (spiritually), many know that this very history was written of – thousands of years ago.  While witnessing the onslaught, their beliefs and convictions (in sacred justifications) will also never falter through these prophesied progressions: “out of great tribulation,”  “Here is the patience and the faith” – “in their foreheads” (though, at certain times of calling and duty, also written on their sleeves).

WindHarps: "Shared Words"

“Shared Words”

The Resurrection of Ralph Reed

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Re: Wells Fargo Has Blood On Its Hands

May 21, 2012

Desperate Man Commits Suicide After Shocking Foreclosure Mistreatment

“Here’s the shocker: right at the start the Rousseaus came up with proof that the bank had received the payment and had cashed the check.”

Here’s the Truth: these mafia-type actions are nationwide business models, systematic, institutionalized (“like an assembly line”), and robo-signed (with ENRONish smiles: “Screw grandma, we’re getting that house.”).

Imagine if the same method had been applied to Norman Rousseau over a car loan.  Aside from the constantly modified interest rates and incessant fee scams, down to the last eight months of payments everything was spot on from Normon: never missed a payment/never late/always had “proof.”  Then, out of something planned, everything just kept, somehow, going wrong – for him.

First, the “bank misapplied [his] payment.”  Next, the bank lost (shredded) a payment – three times in the last eight months of the loan.  Then, the bank continued losing (shredding) every element of Normon’s “proof”: the cashier’s check receipts, certified mail from him with returned signatures from them, certified mail from even his attorney, documentation that they were cashing the checks, and so on (“like an assembly line”).  Finally (in the process), the bank started sending out repossession trucks.  Norman screamed to many authorities, local, state, and national: “Will anyone help me?  This is an outright scam!  I am being robbed!  This is like the mafia!  I have ‘proof!’”

But, no one stepped forward who could help – because the systematic actions were blind-eyed and covered – all the way to the White House.

Yes, that would be one level of nationwide (wink-wink) fraud.  Yet, we are talking about millions of people’s actual houses/homes.

Remember Dimitris Christoulas?  Remember this Buddhist?

At some critical juncture, during all of the manufactured crises, may as many as possible have finally seen, realized, and experienced – enough.

Remember this?
Occupy: pepper sprayed
Then
Occupy: Awareness

The Christian Spirit Rests with Occupy Protestors
“Jesus went and occupied Jerusalem.  Martin Luther King Jr. went and occupied Memphis.  I am convinced that today the Christian spirit rests with those who occupy sites across the United States. . . .”

Foreclosure Fraud?  Obama Looks Forward

And when President Obama turned to Larry Summers and his apprentice Timothy Geithner and other Wall Street hacks to manage his economic team, it showed that “Hope” and “Change” really meant “Business As Usual.”

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Foreclosure Fraud? Obama Looks Forward

October 23, 2010

FDIC Called On to Put Bank of America Into Receivership

KEY: “The banks that are foreclosing on fraudulently originated mortgages frequently cannot produce legitimate documents. . . .   Now, only fraud will let them take the homes.  Many of the required documents do not exist, and those that do exist would provide proof of the fraud that was involved in loan origination, securitization, and marketing.”

It’s the ENRON Dominoes: They need to repossess – in order to cover the Total Fraud – and to keep the Fraudulent Cycle/Accounting going.

Foreclose on the Foreclosure Frauds?
(No Chance with President Obama.)

“HUD reviewed the ‘paperwork’ problem to see whether it threatened the banks – not the homeowners who were the victims of foreclosure fraud.”  “[T]he Justice Department has not convicted a single senior officer of the large nonprime lenders who directed, committed, and profited enormously from the frauds.”  “Note the language: ‘mistakes,’ ‘errors,’ ‘processes’ (following the initial use of ‘paperwork’).  No mention of ‘fraud,’ ‘felony,’ ‘criminal investigations,’ or ‘prosecutions’ for the tens of thousands of felonies that representatives of the entities foreclosing on homes have admitted that they committed.”

In short/general: What about War Crimes, torture, and worldwide fraud as perpetuated from the Oval Office?  “[T]he administration is focused on ensuring future compliance, rather than on looking back.”

But, aside from particular invasions, the torture (like the other War Crimes) was purposely directed and authorized under manipulated veils – documented memos written after-the-fact, for example – as a means to achieve political goals.  Remember the Nuremberg Principles?  “[W]e have not found any evidence at this point of systemic issues in the underlying legal or other documents that have been reviewed.”

There is a volume of undeniable proof!  How could you be so acquiescent?  Don’t you understand that these repercussions will reverberate throughout history – that others will take the abuses as a model?  “When the word ‘systematic’ or ‘systemic’ is used in this context, [we are] not saying that there couldn’t be significant real problems that affect real people in a very, very real way.”

Aside from the utter lunacy and hypocrisy of those responses (which, again, undoubtedly leave us open to escalating future ramifications), will you at least do something to counter the resulting fascist state of our economy?  “This is not a problem for [us] to fix.  This is a problem for the banks and servicers to fix.  They can fix it as fast as they feel like it.”

Too Pig to Jail? Exactly.

Update (2012): “And instead of really, at the heart of this, being about accountability and punishment it seems like frankly a political whitewash during an election year.  So it makes the Department of Justice look good.  It makes the attorneys general look good.  The banks are happy because they are going to get all the credit for this settlement while receiving money from the taxpayers.  Really the only big losers are the taxpayers and, of course, the homeowners.”

(“It wasn’t just one individual or two or three individuals, it was branches of individuals, it was regions of individuals.”)

Individual Mandates Bootstrap the Homeless

Obama Put Social Security On The Table

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Obama Put Social Security on the Table

August 15, 2010

AP tagline (08/14): “President Barack Obama used the anniversary of Social Security to trumpet Democrats’ support for the popular program and accuse Republicans of trying to destroy it.” Remember the (stacked) Deficit Commission?  Key relating quote: “everything on the table.”  That was President Obama – including Social Security in the “austerity” mix.  As a result, this is Ripe – as election season ploys (note recent articles on the sway of using Social Security as a mid-term campaign issue).  “Obama said he’s ‘committed to working with anyone, Democrat or Republican, who wants to strengthen Social Security.'”  Somehow, the person who put Social Security “on the table” is also supposed to be the same person who is a champion of “strengthen[ing]” it?  (Word game/setup alert: cutting can lead to solvency, even if there are no actual solvency problems.)  On one hand, he scores points by “accus[ing] Republicans of trying to destroy,” based on the privatization issue.  On the other, he had already opened the door to destruction, based on “self-sacrifice” and “personal responsibility” (after 75 years – and millions upon millions have lost their jobs). This is what’s happening – with “everything on the table”: “Housing crisis reaches full boil in East Point; 62 injured.” This is what’s at stake – under the auspice of “Austerity: “Individual Mandates Bootstrap the Homeless.” This is what’s still going on – while we hear condescending updates on “Shared Sacrifice”: “How Goldman gambled on starvation.” Again, what was the (immediate) main target of Bush II after the 2004 (second stolen) election?  Social Security.  Since 1935, what has been at the top of ongoing goals for the conservative elite, as far as dismantling programs?  Social Security.  What was one of the main safety nets we Believed Obama would never allow to be Changed (gutted, step by step)?  Social Security.  As another domino is set to fall because of his administration’s continuous sellouts, there are no doubts of (progressive) betrayal remaining.  The “collective good” they promote is a fascist focus as a guarantee for chosen corporations – and bootstraps as the only guarantee for the masses.

FDR, August 14,1935: “Today a hope of many years’ standing is in large part fulfilled.  The civilization of the past hundred years . . . has tended more and more to make life insecure.  Young people have come to wonder what would be their lot when they came to old age.  The man with a job has wondered how long the job would last.  This social security measure gives at least some protection to thirty millions of our citizens who will reap direct benefits through unemployment compensation, through old-age pensions and through increased services for the protection of children and the prevention of ill health.”

And now, we are maybe two “only a sliver” PR cycles (“heated rhetoric“) away from the next Change We Can Heave In. [Other notes: 1) Associated Press: “Unless Congress acts, Social Security’s combined retirement and disability trust funds are expected to run out of money in 2037.”  Pure talking points propaganda.  Reality: “The wildly pessimistic projections are based on assumptions that the economy will grow an average of 1.8 percent per year for the next 75 years – less than half the rate of the previous 75 years.”  2) Republicans: “An increase in Social Security taxes is out of the question, even for the wealthy.”  But, of course.] Update (09/04): Re: Labor Day Irony: The People Who Want to Cut Social Security All Have Great Retirement Plans More Labor Day reflections: The (robber baron) Deficit Commissioners crowd – the “elite” that Bush II referred to as his “base,” the group that President Obama allowed to be purposely stacked into a predetermined place – would have us forget, or evolve from (as in Social Darwinist Commission recommendations) certain history.  What are the origins of the Pullman Strike?  Why did President Cleveland want to “reconci[le]” with the labor movement?  Who was right – the oppressed workers being gouged to early deaths, or rampant, soulless corporatists?  What was right – taking the side of “the least among us” while they were under endless siege, or emboldening the assailants further by placating their ongoing looting mentality?  Further, where did the eight-hour work day/five-day work week come from?  Vacations?  Pensions/retirement?  Child labor and Safety regulations?  Minimum wage?  When corporate marauders crashed the (bubbled) system in 1929 (causing the Great Depression), who eventually stood up to Hoover’s status quo – while providing a mutually benevolent renewal of the rules (and opportunities)?  FDR. Now, under the most similar of circumstances, ask yourselves: Which president, Hoover or FDR, would have set up a Deficit Commission (selectively biased for the bourgeoisie’s desires)?  In relation, what would Bush II have done?  Final question: Who presented a populist campaign based on Hope and Change – then went in the opposite direction once at the helm? Update (11/10): “President Obama’s . . . deficit reduction commission just proposed slashing Social Security.” In relation to narratives created by Fox/Koch Brothers, etc., and what was the continuing mindset of the remaining minority, Obama appointed a biased Deficit Commission – during a Second Depression.  At the same time, he “Put Social Security on the Table.”  Then, the Deficit Commission’s (predetermined) recommendations were put off until after the midterms.  Now, with a new House, Obama and the remaining Blue Dogs will seek even more of that (veil of) “Common Ground,” and “Compromise” – while the sacrificed hear further sermons on the sanctity of sacrificing.

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Endless PR from the NYT

April 11, 2010

Another in a series of setups: First, controlling interests decide what direction, or policy, will be implemented.  Next, many months ahead, they dispense “talking points” to certain major publications and pliable “news” sources.  Then, people are incrementally (sold) “informed” as to what is inevitably upcoming.  Under the guise of facts simply being reported, it works like a well-timed machine: “With losses from credit card defaults rising and with capital to back credit cards harder to come by, issuers are likely to increase rates to 16 or 17 percent by the fall. . . .”  The latter facade (of a warning) was presented from a minute marketplace/”business environment” context.  No references to the recent (weak) CARD Act or relative history to rampant abuses which brought its passage were mentioned.  Instead, we are given the usual: a slanted “why” of what will be (for manipulative preparation) – but not a broader “why” of what IS, in an ongoing sense. In short, credit card companies will continue escalating the Variable floor rate, before the Prime Rate even begins to be altered upwardly, step-by-step.  As an intended result, a new 20% average rate will be on our planned and coordinated horizon.  Remember Providian?  Their predatory practices were the focus of many lawsuits.  Remember their standard 19.9% “Gold” cards – which were enticements for the downtrodden, and fodder for comedians?  Soon, that rate will evolve – from oppressive joke material to a “National Average.”  And, the consequences will be used against us.

Credit Unions and Community Banks: Send a Message
Sugar-Coated Status Quos: Let the Markets Grow
Congress Shocked by Credit Card Predators?

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Sugar-Coated Status Quos: Let the Markets Grow

January 9, 2010

As obvious through a recent PR Release, Rep. Carolyn Maloney believes that sugar-coating status quos will change what we have grown to know (as facts): “That 45-day period gives you nearly two billing cycles to do more than complain — to shop around for a card whose rate and terms of service you prefer.”  Wow!  Is it change — with teeth?  (Please.)  We have already been doing that for more than two years – while hearing foreign customer service agents of “banks” like Citi and Capital One tell us “If you don’t like it, you can close your account.”  Were interest rates capped?  No.  Since passing the Credit CARD Act, has First Premier Bank escalated a sub-prime rate to 79.9%, Legally?  Yes.  “Laws like the CARD Act are reasonable and allow markets to function as market enthusiasts imagine they should: with less friction, more transparency, and with bad actors being driven from the field.”  As a historic “bad actor,” was First Premier “driven from the field,” or, was it (like “prime” providers) emboldened?  Having collectively witnessed and experienced the results of a rampant savaging of our world’s citizens and overall economic system, is it “reasonable” to “allow markets” to go forward, basically unfettered with any returning or meaningfully modified regulation?  Moreover, how insulting (and detrimental) is it to have Representatives selling such a premise?  After 100 million people (including the best tier of customers) were gouged into 29.9% (Usury) rates, as redress, did they seek what was “reasonable” in the view of their predators?  “Once interest rates, terms and conditions are clearly stated . . . the consumer can make a clear-headed decision about what card to choose.”  Got that?  New language!  New (“responsible”) consumer choices!  Same results: “If you don’t like it, you can close your account.”  In July of last year, Rep. Maloney seemed to be amazed that Citi, Chase, and BoA, were continuing their predatory practices: “Issuers during this crisis should be using this period to adapt . . . , not raising rates and changing terms on those who are already meeting their obligations.”  Yet now, she is praising them – because they are making terms “easy to understand” (with notices): “There are some companies that seem to get it.  Chase and Citi have added cards and services to their lineup which are simple and easy to understand.  Bank of America sent notices far in advance to their customers explaining the new rules.”  Let us respond – vociferously.  In this collusive scenario, our incensed reactions and motivated decisions are just as “clear-headed” now as before.  When the Act failed to take effect immediately, and did not cap rates or fees, all the relevant “actors” indeed “[got] it” – as we, the public, proceeded “[getting] it” in our updated terms (so to speak).

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Credit Unions and Community Banks: Send a Message

January 8, 2010

Left out in the Bail Outs?  Final straws as the colluding monopolies continue to pilfer us out of existence (at 30% rates)?  Have they eased lending?  Or, have most dominant lenders used their propped-up fortunes (borrowed at 0.25% rates) to expand (take) – without giving anything back (as supposedly intended)?  In direct relation to the latter, as well as ongoing predatory practices from the credit card industry (syndicate), there are positively assertive ways to make stands for ourselves and our communities in this regressive environment:

Time For a Credit Union Movement:

Combined with the following, we can make significant impacts, while sending irrefutable (“bottom line”) messages:

Time for a Community Bank Movement:

Faith Leaders May Move Money Out of Bank of America

Sugar-Coated Status Quos: Let the Markets Grow

Measuring the Move: $20 Million and Counting

Our Money, Our Values

Update (02-23-2013): More than three years since Predatory giants (like Capital One) caused uproars from millions, their practices remain the same.  If my local credit union assesses a credit score of 796 combined with a perfect credit history as worthy of a new credit card account with more than double the credit limit and half the interest rate of a card I have maintained (in the most exemplary fashion) with Capital One for almost fifteen years, why would Capital One refuse to either lower the interest rate or raise my credit limit (on the same card/account they targeted along with almost everyone in the nation during their “Due to the Economic Environment” scam of 2008 and 2009)?  Because a certain “Environment” continues – without repercussions (they can’t just laugh at).

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Congress Shocked by Credit Card Predators?

July 6, 2009

05/19: Senator Reid: “We stood up for consumers and stood up to abusive credit card companies.  We said that big banks can no longer take advantage of hardworking Americans.”  Off The Record: “Well, you know, (like in December 08′) we are going to trust them to not go after their customers as predators (on a third wave) before these new measures go into effect.  And, despite giving them a year’s head start, we are certain they will not come up with other ways to bypass everything we have accomplished.”

Step-by-Step:
(1) They Let Us Down (05/21): Credit Card Protections With…Holes
Did not: “cap interest rates on credit cards, explicitly cap credit card fees, take effect immediately, limit interchange fees, or prevent issuers from finding new fees.”
(2) The Media Colludes In a Setup (06/15): Credit Card Defaults Rise
(3) And Finally, the Results (06/30): Citi Raises Card Rates On Millions

Are you Shocked, Sen. Reid and Rep. Maloney? (07/06):
“Citi has boosted interest rates on some cards to as high as 29.99 percent, according to a Credit Suisse report.  Chase raised rates as high as 23.99 percent. . . .  Capital One has kept rates steady for now, but warned consumers they will be increasing over the next year.”  “‘We expect purchase APRs to continue to trend higher ahead of the recently passed Credit Card legislation, slated to go into effect February 2010,’ wrote Credit Suisse analyst Moshe Orenbuch.”  “‘Issuers during this crisis should be using this period to adapt to the new rules about to take effect, not raising rates and changing terms on those who are already meeting their obligations’: Rep. Carolyn Maloney, D-N.Y., the prime sponsor of the bill.”

Nothing passed in May (beyond a 45-day notice) was immediate.  Caps on interest rate proposals by Sen. Sanders and a few brave others were overridden.  The credit card companies (and newly formed banks) were given another seven months (minimum) head start.  Did you really stand up for us, Senator Reid?  Are the banks continuing to “take advantage”  (after having received billions upon billions in taxpayer-funded bailout money that was supposed to “free up” the credit markets)?  Did you really expect anything different, Rep. Maloney?  Did you think there was any (actual) chance these Vultures would do what they “should be“ doing before the new measures took effect?  To them, this is what they Should Be doing – just like they were – since (before) December 08′ (and the 1 ½ year’s notice).

Update (11/19):  Credit Card Rate Freeze Killed

Time For a Credit Union Movement:

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