With the announcement of the downgrade in the U.S. credit rating by Standard & Poors, the globally focused arbiter of credit rankings of most of the developed and even undeveloped nations of the world, of course Wall Street today took a huge dive, causing many an American, I would imagine, to head for the medicine cabinet and their Pepto Bismol.
In fact, in one of the local papers today there was an editorial cartoon which illustrated two baby boomers standing next to each other with one reading the headlines and commenting to the other, "There goes our retirement savings. At this rate, we'll have to have multiple jobs until we're 90!...with the next panel paning back showing the very same individuals standing in the unemployment line with the other one responding, "I admire your optimism..."
This latest news is once again being used by both political parties to continue to spin those plates in the air, even now many placing the "blame" on the Tea Party while using this latest crisis, of course, for their own election ends - including those claimed "Tea Party" candidates. We've got a third party, alright, but simply another to bring into this three ring circus.
Standard & Poors, whose roots harken back to the 1800's, is now headed by a gentleman who was born in Jakarta, India.
So I guess this downgrading could have been predicted by those in Washington.
I mean, India does have a great deal of our IT jobs, and was also formerly a British holding, which has had off and on conflicts with Pakistan, the country which bin Laden sought refuge and was killed by those Navy Seals, and the country in which Ms. Bhuto was killed a few years back after her extended exile, and who was also educated in Britain...Hmmm...
Not that I believe there is any truly political motive or bias and media spinning going on here...but...
I wonder, since our deficit is merely a paper debt to the Europeans funding our Federal Reserve, without any offsets, just who has been doing the bookkeeping for Washington all these many years?
I'm sure many of those foreign bankers are now scamming some of those rock bottom stocks also right about now, further being given an opportunity to facilitate a "corporate" takeover.
Another boomer and friend recently wrote me who also has a history similar to my own, and is now on the unemployment line.
Worked for over 20 years in the legal profession, about ten more in the travel industry, early in their career in banking and insurance, with also some work in the health care field thrown in for good measure and further diversifying their career portfolio.
All of those employers, of course, paid unemployment on their workforces behalf all those years he was working.
Got his first unemployment check today after working at an hourly position for less than six months before he was eventually laid off from there after a "ramp up."
He is now living high off the hog on $90 per week, less taxes.
While listening to the news hearing that his mortgage interest rates just might increase, and his retirement funds, or what he has left after using it during his unemployment which is basically gone, is now worth even less.
And is pretty much resigned to the fact that all those 1960, 1970, 1980, 1990 and 2000 dollars withheld from his paycheck for Social Security and Medicare and Medicaid most likely he will never, ever see.
Not with the dollar and America being downsized and downgraded.
And just think, with that great American invention, the computer and international online banking, those foreign moneylenders and bankers don't even have to pay for that expensive paper or ink anymore in actually printing our currency.
Showing posts with label credit. Show all posts
Showing posts with label credit. Show all posts
Monday, August 8, 2011
Friday, August 28, 2009
State Politicos Capitalizing On Mortgage Crisis for Careers
I read recently that Terry Goddard, Arizona's current attorney general, has joined a Task Force supposedly to address the scam artists operating in Arizona after Obama's claimed "rescue" was announced.
Below is a copy of a letter I sent to the Arizona legislature as a former 45 year resident and victim of state and federal governmental negligence to do their primary jobs and functions with respect to both regulation of commercial interests operating within the state, and also the border security issue which has progressively also victimized so many thousands of border state residents.
Dear Legislators:
I read with interest the interviews Mr. Goddard has been conducting on his now appointment and selection in the 10 state "Mortgage Foreclosure" Task Force. About four years too late, isn't he? Actually, about fifteen if you count the ones now being lost by homeowners to those "state actor" HOA foreclosures also facilitated by the Arizona legislature's progressive unconstitutional legislation with federal collusion, of course, for the benefit of U.S. developers and the municipal governments at private property owners expense selling what are no more than "use rights" as "ownership" rights.
My response to one such recent article is below, in which he attempted to shift blame for this "white collar criminal fraud" on simply the now ex-real estate agent taxpayer paid "advisors" when it is and was clear that Obama's focus was to protect the foreign investors through those banks and simply paint it for the public as a "rescue" and help for those scammed homeowners by those lenders and agents pushing those loans for higher commissions. In fact it is nothing more than a means to facilitate more profit for the banks and flip those properties while continuing to collect those fees and added usurous costs in those "contracts" before eventual foreclosure, with the future plan quite apparent being setting up the "new legalized" Americans as the next patsies in what appears to be at this point a governmentally facilitated Ponzie scheme.
Which now has been recyled twice, last time under during the Keating fiasco in the 80's under Reagan.
Along, of course, with a new group of retiree baby boomers from the East and Midwest drawn by all those ads the realtors are running in the East Coast and Midwestern newspapers on the cheap housing now available, after stealing them from the Regan era group now in their 70's and 80's.
And the fleeing liberal Californians also from the havoc they have wrecked in their own state due to their also progressive liberalism on both sides of the aisle - Republican big business corporate welfare liberalism and Democrat big business corporate welfare liberalsm, with just a shift in "corporate" group of beneficiary at the individual citizen's expense.:
"Most of those unlawful mortgages were written out of California, Mr. Goddard, and Arizona by Countrywide, IndyMac, Bank of America (now a front for Merrill Lynch after the bank "bailout" of the Federal Reserve bank branches by the Federal Reserve and thus the entire "bailout" a fraud on the public to begin with, and which as an investment broker bundled and resold a great many of those mortgages to those foreign investors on the secondary markets to begin with).
And not mentioned is the contribution in these foreclosures of the scam HOAs that Arizona instituted as nothing more than "use rights" sold as "ownership" and "socialized housing" which are also responsible for most of them in their unregulated practices, overly restrictive maintenance standards and costs and that "extra" uncredited taxation which is what is leading to many losing their homes, especially the retirees and others on fixed incomes - incomes which did not "adjust" at all during the boom while property taxes skyrocketed.
As one who lost their home (and home state) after 45 years during this mortgage meltdown due to those unlawful statutes and "state" actors and actions, and also three illegal immigrant thefts during the past 10 - this "task force" is so he can promote himself in the race for Governor for 2010 and nothing more.
For years, when homeowners were being ripped off right and left by the state created HOAs (because they can even move faster than the mortgage companies, or act in collusion with them through the "industry" foreclosure lawyers associated within the Bar itself), Mr. Goddard simply posted notices to "Beware of foreclosure scams," that was the extent of his involvement on behalf ot the Arizonans who were paying his salaries and is supposed to address such criminal matters through his offices and high taxpayer paid staff members.
And he and all the lawyers he employs in that office must be playing Guitar Hero on their new stimulus provided computers from that taxpayer paid billion dollar grant to Silicon Valley (the largest recipient also on the Middle East wars, and domestic spying program now)...because his idea of prosecuting felons in that state that are involved in the white collar criminal activity going on in the real estate market there is posting notices on his website - or telling homeowners to go "file a lawsuit" (foreclosed on property owners don't usually have five figure retainers, and he knows it) when that is HIS JOB - to represent Arizonans in capital criminal matters.
And stealing homes and equity without trials in many of these ongoing foreclosures due to the extenuating circumstances in lack of regulation in any manner whatsoever in Arizona of the real estate industry, banks and predatory lawyers engaged in this continuing practice is capital fraud, not civil fraud.
And they are setting up the illegals that they intend to legalize as the next victims, who won't be able to read those 50 page loan docs in English since most Americans could not understand that speak fluent English. Or even those that have legal training and experience they are so full of legalese and double speak, and protective covenants for the lenders most of all not simply on repayment of the loans, but also care and upkeep of the properties themselves even with the heavy front end costs, down payments and junk fees that were charged also for most of those loans.
It appears now that the MO is that in another 20 years, another new generaton of retirees those brokers and agents then lure to Arizona with these "cheap" properties with their ads in the Chicago and East Coast newspapers on the great "deals" in Arizona real estate and homes once again can be fleeced then of theirs when their health starts to decline, and upkeep and maintenance then starts to also be affected due to physical or economic limitations.
Live there long enough, you see the practice in real estate flipping is contrived since there are more realtors and brokers, and lawyers in Arizona combined than the rest of the population, and is an "industry" in and of itself, recycled now ever 15-20 years on those 30 and 40 year notes. And no wonder such a high crime and transient state, with also the border issue factored in and the high costs of insurance as a result of that also negligence on the part of the federal and state government.
Without, of course disclosure to all those Midwestern and Easterners that are lured through the advertising done there as a place for "retirement." What should be stated is that now it is clear that the intent is merely for those seniors to be retired of their wealth and eventually their retirement home, is more like it.
This time, however, even many long term Arizonans have been affected due to their equity investments and lower wages paid than those in other states historically.
So watch out, because as you age or have any unexpected expenses such as an illegal immigrant theft or two from those cross borders auto or identity theft rings, YOU might be next, especially when you get elderly, ill or have a lot of equity built up, or Washington, the bankers, lawyers and real estate vipers decide they need another stimulus creating another one of these manipulated housing crisis there for the next generation of victims.
The intent of the financial sector and real estate "industry" leeches is that they want you to never own your home and keep control of it for as longer as possible until they relieve you of it on some trumped up "economic" meltdown, uncredited, nonconsensual property tax hikes using the state created HOAs and their "advisors", the foreclosure industry lawyers and management concerns that profit from property seizures, or some trumped up "use right" violation (even a property enhancing improvement is subject to now state actor "approval" or legal proceedings if "unapproved", to flip it then for their own portfolios or profit.
Obviously, the only motivation for his now involvement is purely a selfish one at the Arizonans expense - he now chooses to get involved about four years after the fact as a prelude to his run for Governorship in 2010.
Crime and criminal property theft is now a "job stimulus" creating "new jobs" for the foreclosure lawyers and real estate industries (members of two the largest lobbying groups in Washington), and political careers of the state and federal legislators most of all.
While the AGs office just got a boost and bonues from some of that stimulus money to upgrade their computers so that all those taxpayer paid lawyers who sat on their hands while that white collar crime was going on can have the latest high tech gadgetry for their video games, added to that now apparently the State of Arizona had the audacity to plead bankruptcy after not only receiving all those stimulus monies at even the foreclosed on homeowners expense, but has been collecting all those overpaid property taxes for at least 15 years while not having to provide many of those public services that have been unlawfully transferred to homeowners living in those HOAs.
Not to mention also collecting added bonuses in sales tax revenue due to the also unlawful privatization of the utility companies there which occurred after Palo Verde was built and paid for by the Arizona ratepayers (as, of course, a state governmental function and Arizona taxpayer "publicly" owned utility). Of course, that "privatization" was also facilitated by Washington, who now inflicts their own added taxation through the Nuclear Regulatory Agency fines and penalties that are also passed now down to the rate payers in "emergency rate increases," such as the last one in order to bulk up the Wall Street investors portfolios at the Arizona citizen's expense yet again.
I wonder how many foreign investors are in on that public/private partnership at this point? Selling off and parceling out share of one of our nuclear facilities to foreign interests definitely is not outside Washington and the bankers greed, that's evident.
The excess revenue the state receives at this point is in the hundreds of billions, but appears until all the citizens are actually homeless or bankrupt, it is never enough.
But Goddard's actions at this point in again as with the border issue also by state government officials, is being used for political reasons only and appearing to be doing something but doing really again nothing at all to either perform the jobs in which they have been entrusted, or protect the Arizona residents from criminal activity and abuse such as the open borders and this real estate fraud of which literally thousands of Arizonans at this point have been brutally victimized both personally, and economically.
And this is what is coming out of our law schools and those five figures for higher education?
What a waste of Americans money to send them for post graduate or higher education at all these days, it appears for all the understanding that most now coming out of the "liberal" academic community have about American history, and our intended form of Constitutional government.
P.S. And I also noted that new Governor Jan Brewer (Napolitano's replacement, also negligently responsible for much of what has occurred during her six years of "nonaction" on behalf of Arizonans) also simply has a "beware" message on her website for some of these counselors that were the new "jobs" created by this manipulated crisis apparently Congress and Obama were speaking of.
We are now ripping off people of their homes and property in order to provide "new jobs" and a "stimulus" for the foreclosure industry also at the federal and state level. And now debating the second largest tax in history on top of it after that Cap & Trade scam, the federal Health Care Actuary Tax.
The founders I'm sure are just so very proud of how our leaders have honored their sacrifice so many years ago - and Arizona's too. I'm sure Barry Goldwater and Carl Hayden are spinning in their graves about now. While both had skeletons in their closet as almost any politician today does, what is now occurring "progressively" would outrage and sicken them.
And you might want to inform Ms. Brewer since she does also seem a bit clueless.
She indicated in her article that mortgage companies don't charge fees for information on your mortgage. She is clearly not familiar at how usurous some of those loans actually were, after they were resold (since my original mortage back in 1994 was with a small mortgage company that was then bought out by Countrywide, prior to my having to refinance after the insurer (a globally now based one) increased my home insurance to three times its original amount due to the boom and then also the outrageous fees charged by their vendor for their services after one claim filed in 20 years due to a kitchen fire which, due to the quality of construction, was much more damaging than it should have been, and the horrendous increase in property taxes which also occurred.
Not to mention that fraudulent then action I subsequently was involved with in a small claims action (which was moved out of my own judicial district even) in which two lawyers involved and provided by the insurers on a 12 year overcollection in HOA assessments then went so far as to manufacture evidence in order to "win" his case and a $14,000 legal fee award for a small claims matter they kept going for their profit for over a year and a half. And unbeknownst to me I was paying for my own abuse through those unlawful HOA added property tax assessments for a private insurance policy also that afforded this dual defense on a small claims action with result was nothing more than state facilitated tyranny and added property theft.
The only refinance I could then secure at the time due to the amount of the claim itself was wiith that other unregulated California lender Indy Mac (whose home offices actually were in Michigan, with them also another state with high foreclosures - gee, I wonder why?).
When I had to go through the refinancing, the original lender, Countrywide, then attempted to charge me $35.00 just for the payoff figure for the loan, which "junk fee" wasn't in my original loan and actually seemed odd since this wasn't my first home and does appear that these deemed contracts are being unilaterally revised even after purchase as the new "industry standard," without at least one of the party's express consent in the process.
Since, of course, Congress afforded also these loan shark banks which primarily wrote most of those loans with Fannie Mae and Freddie Mac to not only rebundle and resell them to foreign investors, but also to actually sell the loans to other mortgage companies and "revise" them during the life of the loan with simply a "disclosure" as the only citizen protection for then those nonconsensual added "clauses" and "riders."
Mere "disclosure" that the terms can be unilaterally change by simply one of the parties to the original financial transaction?
Buying a home today is nothing more than a liability and I'm sure most parents are telling their kids now that the American dream is nothing more than the American nightmare - in both costs of ownership, and risk.
So the Governor also, Ms. Brewer, appears to be giving out somewhat false information also with respect to these loans, whether intentially or simply misinformed.
But maybe if she took the time to actually read hers, or speak with some of the victims rather than posting inadequate and inaccurate notices on her website, she might even be able to also start doing her job and earning her high paid salary.
Many of the loans which are sold were also unlawfully based on not the U.S. prime, but London banking market rates.
So when will our national anthem officially change from the Star Spangled Banner to God Save The Bankers?
Below is a copy of a letter I sent to the Arizona legislature as a former 45 year resident and victim of state and federal governmental negligence to do their primary jobs and functions with respect to both regulation of commercial interests operating within the state, and also the border security issue which has progressively also victimized so many thousands of border state residents.
Dear Legislators:
I read with interest the interviews Mr. Goddard has been conducting on his now appointment and selection in the 10 state "Mortgage Foreclosure" Task Force. About four years too late, isn't he? Actually, about fifteen if you count the ones now being lost by homeowners to those "state actor" HOA foreclosures also facilitated by the Arizona legislature's progressive unconstitutional legislation with federal collusion, of course, for the benefit of U.S. developers and the municipal governments at private property owners expense selling what are no more than "use rights" as "ownership" rights.
My response to one such recent article is below, in which he attempted to shift blame for this "white collar criminal fraud" on simply the now ex-real estate agent taxpayer paid "advisors" when it is and was clear that Obama's focus was to protect the foreign investors through those banks and simply paint it for the public as a "rescue" and help for those scammed homeowners by those lenders and agents pushing those loans for higher commissions. In fact it is nothing more than a means to facilitate more profit for the banks and flip those properties while continuing to collect those fees and added usurous costs in those "contracts" before eventual foreclosure, with the future plan quite apparent being setting up the "new legalized" Americans as the next patsies in what appears to be at this point a governmentally facilitated Ponzie scheme.
Which now has been recyled twice, last time under during the Keating fiasco in the 80's under Reagan.
Along, of course, with a new group of retiree baby boomers from the East and Midwest drawn by all those ads the realtors are running in the East Coast and Midwestern newspapers on the cheap housing now available, after stealing them from the Regan era group now in their 70's and 80's.
And the fleeing liberal Californians also from the havoc they have wrecked in their own state due to their also progressive liberalism on both sides of the aisle - Republican big business corporate welfare liberalism and Democrat big business corporate welfare liberalsm, with just a shift in "corporate" group of beneficiary at the individual citizen's expense.:
"Most of those unlawful mortgages were written out of California, Mr. Goddard, and Arizona by Countrywide, IndyMac, Bank of America (now a front for Merrill Lynch after the bank "bailout" of the Federal Reserve bank branches by the Federal Reserve and thus the entire "bailout" a fraud on the public to begin with, and which as an investment broker bundled and resold a great many of those mortgages to those foreign investors on the secondary markets to begin with).
And not mentioned is the contribution in these foreclosures of the scam HOAs that Arizona instituted as nothing more than "use rights" sold as "ownership" and "socialized housing" which are also responsible for most of them in their unregulated practices, overly restrictive maintenance standards and costs and that "extra" uncredited taxation which is what is leading to many losing their homes, especially the retirees and others on fixed incomes - incomes which did not "adjust" at all during the boom while property taxes skyrocketed.
As one who lost their home (and home state) after 45 years during this mortgage meltdown due to those unlawful statutes and "state" actors and actions, and also three illegal immigrant thefts during the past 10 - this "task force" is so he can promote himself in the race for Governor for 2010 and nothing more.
For years, when homeowners were being ripped off right and left by the state created HOAs (because they can even move faster than the mortgage companies, or act in collusion with them through the "industry" foreclosure lawyers associated within the Bar itself), Mr. Goddard simply posted notices to "Beware of foreclosure scams," that was the extent of his involvement on behalf ot the Arizonans who were paying his salaries and is supposed to address such criminal matters through his offices and high taxpayer paid staff members.
And he and all the lawyers he employs in that office must be playing Guitar Hero on their new stimulus provided computers from that taxpayer paid billion dollar grant to Silicon Valley (the largest recipient also on the Middle East wars, and domestic spying program now)...because his idea of prosecuting felons in that state that are involved in the white collar criminal activity going on in the real estate market there is posting notices on his website - or telling homeowners to go "file a lawsuit" (foreclosed on property owners don't usually have five figure retainers, and he knows it) when that is HIS JOB - to represent Arizonans in capital criminal matters.
And stealing homes and equity without trials in many of these ongoing foreclosures due to the extenuating circumstances in lack of regulation in any manner whatsoever in Arizona of the real estate industry, banks and predatory lawyers engaged in this continuing practice is capital fraud, not civil fraud.
And they are setting up the illegals that they intend to legalize as the next victims, who won't be able to read those 50 page loan docs in English since most Americans could not understand that speak fluent English. Or even those that have legal training and experience they are so full of legalese and double speak, and protective covenants for the lenders most of all not simply on repayment of the loans, but also care and upkeep of the properties themselves even with the heavy front end costs, down payments and junk fees that were charged also for most of those loans.
It appears now that the MO is that in another 20 years, another new generaton of retirees those brokers and agents then lure to Arizona with these "cheap" properties with their ads in the Chicago and East Coast newspapers on the great "deals" in Arizona real estate and homes once again can be fleeced then of theirs when their health starts to decline, and upkeep and maintenance then starts to also be affected due to physical or economic limitations.
Live there long enough, you see the practice in real estate flipping is contrived since there are more realtors and brokers, and lawyers in Arizona combined than the rest of the population, and is an "industry" in and of itself, recycled now ever 15-20 years on those 30 and 40 year notes. And no wonder such a high crime and transient state, with also the border issue factored in and the high costs of insurance as a result of that also negligence on the part of the federal and state government.
Without, of course disclosure to all those Midwestern and Easterners that are lured through the advertising done there as a place for "retirement." What should be stated is that now it is clear that the intent is merely for those seniors to be retired of their wealth and eventually their retirement home, is more like it.
This time, however, even many long term Arizonans have been affected due to their equity investments and lower wages paid than those in other states historically.
So watch out, because as you age or have any unexpected expenses such as an illegal immigrant theft or two from those cross borders auto or identity theft rings, YOU might be next, especially when you get elderly, ill or have a lot of equity built up, or Washington, the bankers, lawyers and real estate vipers decide they need another stimulus creating another one of these manipulated housing crisis there for the next generation of victims.
The intent of the financial sector and real estate "industry" leeches is that they want you to never own your home and keep control of it for as longer as possible until they relieve you of it on some trumped up "economic" meltdown, uncredited, nonconsensual property tax hikes using the state created HOAs and their "advisors", the foreclosure industry lawyers and management concerns that profit from property seizures, or some trumped up "use right" violation (even a property enhancing improvement is subject to now state actor "approval" or legal proceedings if "unapproved", to flip it then for their own portfolios or profit.
Obviously, the only motivation for his now involvement is purely a selfish one at the Arizonans expense - he now chooses to get involved about four years after the fact as a prelude to his run for Governorship in 2010.
Crime and criminal property theft is now a "job stimulus" creating "new jobs" for the foreclosure lawyers and real estate industries (members of two the largest lobbying groups in Washington), and political careers of the state and federal legislators most of all.
While the AGs office just got a boost and bonues from some of that stimulus money to upgrade their computers so that all those taxpayer paid lawyers who sat on their hands while that white collar crime was going on can have the latest high tech gadgetry for their video games, added to that now apparently the State of Arizona had the audacity to plead bankruptcy after not only receiving all those stimulus monies at even the foreclosed on homeowners expense, but has been collecting all those overpaid property taxes for at least 15 years while not having to provide many of those public services that have been unlawfully transferred to homeowners living in those HOAs.
Not to mention also collecting added bonuses in sales tax revenue due to the also unlawful privatization of the utility companies there which occurred after Palo Verde was built and paid for by the Arizona ratepayers (as, of course, a state governmental function and Arizona taxpayer "publicly" owned utility). Of course, that "privatization" was also facilitated by Washington, who now inflicts their own added taxation through the Nuclear Regulatory Agency fines and penalties that are also passed now down to the rate payers in "emergency rate increases," such as the last one in order to bulk up the Wall Street investors portfolios at the Arizona citizen's expense yet again.
I wonder how many foreign investors are in on that public/private partnership at this point? Selling off and parceling out share of one of our nuclear facilities to foreign interests definitely is not outside Washington and the bankers greed, that's evident.
The excess revenue the state receives at this point is in the hundreds of billions, but appears until all the citizens are actually homeless or bankrupt, it is never enough.
But Goddard's actions at this point in again as with the border issue also by state government officials, is being used for political reasons only and appearing to be doing something but doing really again nothing at all to either perform the jobs in which they have been entrusted, or protect the Arizona residents from criminal activity and abuse such as the open borders and this real estate fraud of which literally thousands of Arizonans at this point have been brutally victimized both personally, and economically.
And this is what is coming out of our law schools and those five figures for higher education?
What a waste of Americans money to send them for post graduate or higher education at all these days, it appears for all the understanding that most now coming out of the "liberal" academic community have about American history, and our intended form of Constitutional government.
P.S. And I also noted that new Governor Jan Brewer (Napolitano's replacement, also negligently responsible for much of what has occurred during her six years of "nonaction" on behalf of Arizonans) also simply has a "beware" message on her website for some of these counselors that were the new "jobs" created by this manipulated crisis apparently Congress and Obama were speaking of.
We are now ripping off people of their homes and property in order to provide "new jobs" and a "stimulus" for the foreclosure industry also at the federal and state level. And now debating the second largest tax in history on top of it after that Cap & Trade scam, the federal Health Care Actuary Tax.
The founders I'm sure are just so very proud of how our leaders have honored their sacrifice so many years ago - and Arizona's too. I'm sure Barry Goldwater and Carl Hayden are spinning in their graves about now. While both had skeletons in their closet as almost any politician today does, what is now occurring "progressively" would outrage and sicken them.
And you might want to inform Ms. Brewer since she does also seem a bit clueless.
She indicated in her article that mortgage companies don't charge fees for information on your mortgage. She is clearly not familiar at how usurous some of those loans actually were, after they were resold (since my original mortage back in 1994 was with a small mortgage company that was then bought out by Countrywide, prior to my having to refinance after the insurer (a globally now based one) increased my home insurance to three times its original amount due to the boom and then also the outrageous fees charged by their vendor for their services after one claim filed in 20 years due to a kitchen fire which, due to the quality of construction, was much more damaging than it should have been, and the horrendous increase in property taxes which also occurred.
Not to mention that fraudulent then action I subsequently was involved with in a small claims action (which was moved out of my own judicial district even) in which two lawyers involved and provided by the insurers on a 12 year overcollection in HOA assessments then went so far as to manufacture evidence in order to "win" his case and a $14,000 legal fee award for a small claims matter they kept going for their profit for over a year and a half. And unbeknownst to me I was paying for my own abuse through those unlawful HOA added property tax assessments for a private insurance policy also that afforded this dual defense on a small claims action with result was nothing more than state facilitated tyranny and added property theft.
The only refinance I could then secure at the time due to the amount of the claim itself was wiith that other unregulated California lender Indy Mac (whose home offices actually were in Michigan, with them also another state with high foreclosures - gee, I wonder why?).
When I had to go through the refinancing, the original lender, Countrywide, then attempted to charge me $35.00 just for the payoff figure for the loan, which "junk fee" wasn't in my original loan and actually seemed odd since this wasn't my first home and does appear that these deemed contracts are being unilaterally revised even after purchase as the new "industry standard," without at least one of the party's express consent in the process.
Since, of course, Congress afforded also these loan shark banks which primarily wrote most of those loans with Fannie Mae and Freddie Mac to not only rebundle and resell them to foreign investors, but also to actually sell the loans to other mortgage companies and "revise" them during the life of the loan with simply a "disclosure" as the only citizen protection for then those nonconsensual added "clauses" and "riders."
Mere "disclosure" that the terms can be unilaterally change by simply one of the parties to the original financial transaction?
Buying a home today is nothing more than a liability and I'm sure most parents are telling their kids now that the American dream is nothing more than the American nightmare - in both costs of ownership, and risk.
So the Governor also, Ms. Brewer, appears to be giving out somewhat false information also with respect to these loans, whether intentially or simply misinformed.
But maybe if she took the time to actually read hers, or speak with some of the victims rather than posting inadequate and inaccurate notices on her website, she might even be able to also start doing her job and earning her high paid salary.
Many of the loans which are sold were also unlawfully based on not the U.S. prime, but London banking market rates.
So when will our national anthem officially change from the Star Spangled Banner to God Save The Bankers?
Saturday, August 22, 2009
Bernanke A Psychic? Predicts U.S. Economy Recovering?
In a meeting held in Wyoming recently (not in a major metropolitan city, mind you, for reasons we can only guess), Federal Reserve Bank Chair [person id=48]Ben Bernanke[/person] put quite a creative spin on the U.S. economy and his predictions that the economic markets are stablizing from "the worst recession since the Great Depression" beginning its freefall last September-October coinicidentally just prior to the U.S. presidential elections.
This meeting was attended not simply by U.S. financial industry participants, but also global bankers throughout the world. Which only goes to prove just how much the U.S. economy now is enmeshed with that of other nations of the world, rather than domestically dependent on U.S. production and our own resources and assets.
I certainly would like to know just what crystal ball Mr. Bernanke is using, since last month was reported as the highest month in over a year for those now still losing their homes at over 300,000 more, and also with the highest unemployment rates since that Depression - since although Mr. Obama announced a 1% decrease in jobs lost and those on unemployment - what he failed to mention were the number of new small businesses that have gone under, or those Americans who are jobless still but whose benefits have run out.
And the bank bailout monies it appears are simply being used to satisfy those foreign investors by the branch banks of the Federal Reserve, and not at all as was publicly announced to help those Americans that are still at risk of losing theirs, after watching their property taxes, insurance rates and costs of ownership soar during the past several years of the boom - and with the overly restrictive and junk feed loans that were sold to most of those homeowners during the last ten year cycle in which fixed rate loans or assumables became almost as scarce as affordable gasoline.
In fact, while they are stalling on the processing supposedly of some of these applications, it appears they are merely collecting all those hidden junk fees prior to lowering the boom on those homeowners anyway.
After all, Bank of America issued a statement saying it had only helped about 4% of its loans that were determined "at risk" while continuing to collect those fees. Which is now owned by Merrill Lynch, a New York investment house who acted as agent on the resale of many of those bundled mortgages. Hmmm....sounds more like a pyramid scheme than any actual foreclosure rescue as these facts are coming out more and more.
Nor was any blame or apology set forth by the Fed, since this was a manipulated crisis after all. But much was said about how much the Fed has done in order to prop up the economy, including slashing interest rates to zero.
Big sacrifice, since those zero rate terms do not at all trickle down to the American consumers through their member branch banks at all. Some of those creative loans even sold by Fed branch banks, Freddie Mac and Fannie Mae were even based on London prime rates - not U.S. prime at all.
And since the Euro has been stronger than the dollar due to Fed manipulation, those interest rates skyrocketed. And those loans haven't changed in the slightest since the entire history and reason for this economic crisis was bypassed for the "quick fix" of inflicting instead more taxpayer debt for the Fed's eventual profit.
This performance sounded like such a spin, my head is still spinning just reading the details.
In fact, bank fees and charges have soared to the highest levels ever on overdrafts, ATM fees and transfers, even transfers within banks from one account to another - all of which are also profits of the Fed which are tacked on to those interest rates in the double digits for most credit card purchases and those usurous fees and charges.
Also reference was made to the outrage of the American people for being placed in the position of rescuing this "global market" that the American people had no voice or say in creating in the first place, and bailing out a global London based insurer, AIG, which to date has only accounted for less than 60 billion of the over 170 billion it received.
And one of whose Chief Executives sits on the Council for Foreign Relations in New York, home of the Fed, and is from Israel. I wonder just how much of those bailout monies were simply earmarked for foreign aid to Israel, since it does appear that of AIG's global offices, it was only the London office that was in poor financial shape due to lack of regulation in that country over its investment and insurance practices.
Mr. Bernanke's economic position may be improving, but did he actually look around Wyoming while he was there and speak to any of the locals after giving his speech?
He also mentioned the outrage of the American people in not allowing those banks and big businesses to simply fail. Really surprising considering that the banks are all subsidiaries of the Federal Reserve itself in one way or another through its branch banks - so since the Fed prints the money, and those banks have been making money hand over fist due to reselling most of those lower rate interest loans on the global market, and their increasing junk fees and costs, just how were they ever bankrupt to begin with? The spins and logic here is incredible.
Just why didn't they go through the formal bankruptcy process provided in the U.S. Constitution? That question also remains to be answered since the entire circumstances surrounding that bailout to most Americans is truly quite astounding in the Constitutional violations which occurred.
And just why were those insurers allowed to reinvest those premium payments in high risk investments over the stock exchange in other areas of the financial sector anyway? Did any of those global bankers pose any of these questions, since the American public are dying really to know the answers still to some of these questions.
Appears this speech was another public relations gesture, without much foundation in either truth, or evidence, at this point.
Maybe Mr. Bernanke was simply speaking of the Federal Reserve as a branch of the federal government as the true U.S. economy which is now rebounding.
And then some.
http://news.yahoo.com/s/ap/20090821/ap_on_bi_ge/us_bernanke
This meeting was attended not simply by U.S. financial industry participants, but also global bankers throughout the world. Which only goes to prove just how much the U.S. economy now is enmeshed with that of other nations of the world, rather than domestically dependent on U.S. production and our own resources and assets.
I certainly would like to know just what crystal ball Mr. Bernanke is using, since last month was reported as the highest month in over a year for those now still losing their homes at over 300,000 more, and also with the highest unemployment rates since that Depression - since although Mr. Obama announced a 1% decrease in jobs lost and those on unemployment - what he failed to mention were the number of new small businesses that have gone under, or those Americans who are jobless still but whose benefits have run out.
And the bank bailout monies it appears are simply being used to satisfy those foreign investors by the branch banks of the Federal Reserve, and not at all as was publicly announced to help those Americans that are still at risk of losing theirs, after watching their property taxes, insurance rates and costs of ownership soar during the past several years of the boom - and with the overly restrictive and junk feed loans that were sold to most of those homeowners during the last ten year cycle in which fixed rate loans or assumables became almost as scarce as affordable gasoline.
In fact, while they are stalling on the processing supposedly of some of these applications, it appears they are merely collecting all those hidden junk fees prior to lowering the boom on those homeowners anyway.
After all, Bank of America issued a statement saying it had only helped about 4% of its loans that were determined "at risk" while continuing to collect those fees. Which is now owned by Merrill Lynch, a New York investment house who acted as agent on the resale of many of those bundled mortgages. Hmmm....sounds more like a pyramid scheme than any actual foreclosure rescue as these facts are coming out more and more.
Nor was any blame or apology set forth by the Fed, since this was a manipulated crisis after all. But much was said about how much the Fed has done in order to prop up the economy, including slashing interest rates to zero.
Big sacrifice, since those zero rate terms do not at all trickle down to the American consumers through their member branch banks at all. Some of those creative loans even sold by Fed branch banks, Freddie Mac and Fannie Mae were even based on London prime rates - not U.S. prime at all.
And since the Euro has been stronger than the dollar due to Fed manipulation, those interest rates skyrocketed. And those loans haven't changed in the slightest since the entire history and reason for this economic crisis was bypassed for the "quick fix" of inflicting instead more taxpayer debt for the Fed's eventual profit.
This performance sounded like such a spin, my head is still spinning just reading the details.
In fact, bank fees and charges have soared to the highest levels ever on overdrafts, ATM fees and transfers, even transfers within banks from one account to another - all of which are also profits of the Fed which are tacked on to those interest rates in the double digits for most credit card purchases and those usurous fees and charges.
Also reference was made to the outrage of the American people for being placed in the position of rescuing this "global market" that the American people had no voice or say in creating in the first place, and bailing out a global London based insurer, AIG, which to date has only accounted for less than 60 billion of the over 170 billion it received.
And one of whose Chief Executives sits on the Council for Foreign Relations in New York, home of the Fed, and is from Israel. I wonder just how much of those bailout monies were simply earmarked for foreign aid to Israel, since it does appear that of AIG's global offices, it was only the London office that was in poor financial shape due to lack of regulation in that country over its investment and insurance practices.
Mr. Bernanke's economic position may be improving, but did he actually look around Wyoming while he was there and speak to any of the locals after giving his speech?
He also mentioned the outrage of the American people in not allowing those banks and big businesses to simply fail. Really surprising considering that the banks are all subsidiaries of the Federal Reserve itself in one way or another through its branch banks - so since the Fed prints the money, and those banks have been making money hand over fist due to reselling most of those lower rate interest loans on the global market, and their increasing junk fees and costs, just how were they ever bankrupt to begin with? The spins and logic here is incredible.
Just why didn't they go through the formal bankruptcy process provided in the U.S. Constitution? That question also remains to be answered since the entire circumstances surrounding that bailout to most Americans is truly quite astounding in the Constitutional violations which occurred.
And just why were those insurers allowed to reinvest those premium payments in high risk investments over the stock exchange in other areas of the financial sector anyway? Did any of those global bankers pose any of these questions, since the American public are dying really to know the answers still to some of these questions.
Appears this speech was another public relations gesture, without much foundation in either truth, or evidence, at this point.
Maybe Mr. Bernanke was simply speaking of the Federal Reserve as a branch of the federal government as the true U.S. economy which is now rebounding.
And then some.
http://news.yahoo.com/s/ap/20090821/ap_on_bi_ge/us_bernanke
Thursday, July 23, 2009
National Association of Realtors: More Spins on The Housing Crisis
During the last week there has been a great deal of reporting on internet sources that the mortgage crisis and home foreclosure situation is looking up, and that there has been an increase in sales for the third straight month of homes sold throughout the nation.
And just where are those figures coming from?
No surprise, the National Association of Realtors who just might have an ulterior motive in spinning or inflating the numbers due to the market conditions at the present time, and number of jobless and homeless now which has swept the nation since the manipulated "mortgage" crisis and bank bailouts which just so happened to occur during the last presidential election cycle.
In fact, the June 19-21 headline of USA Today also said it all: "Foreclosures Heading Through The Roof."
More Americans are lining up at the soup kitchen, than at the realtors offices, since the homeless now and jobless stats are really off the charts and not this high since the last great depression, also manipulated by the European owned Federal Reserve, branch bankers and Washington.
As far as my personal knowledge and reports from my former home state of Arizona, one of the states hardest hit due to the boom and bust cycle and the many retirees on fixed incomes that also were hard pressed to come up with increasing property taxes and insurance which contributed to some of what is occurring also left out by the media, and those predatory "interest only" and other "creative" loans sold mostly by regional and national California domiciled banks.
Although the State of California doesn't share the entire blame for the now mostly Western and Southwestern home situation, since most of those loans were also underwritten with extra "propert stripping riders and provisos over and above the actual loan documents themselves by the governmentally created Freddie Mac and Fannie Mae. How Freddie Mac and Fannie Mae could have been "bankrupt" at all due to some of those usurous loans and terms really is quite inconceivable as one who was forced into such a refinance position and had to refinance a home in 2004 can attest.
It would appear this claimed increase in sales and "recovery" appears to be wishful thinking.
In Arizona, California, Michigan, Nevada and Florida due to also progressive overbuilding in those states for literally decades, and now thousands unable to qualify for fixed rate low interest loans with black marks on their credit records at this point, it will take literally decades - if ever - for the housing market to stabilize, from this 45 year Arizona resident.
In those western border states now in particular, due to the open borders situation and escalating drug war violence which I'm sure that also has affected the marketability of those houses significantly, since who wants to live in a state in which there is a foreign invasion and civil wars now going on due to federal negligence in "providing for the common defense," its actual primary function. Instead of now attempting to "reform" the health care industry according to a "business" model ala Soylent Green and Adolph Hitler on cost/benefit actuary "business" modes and standards.
Plus the fact that few now in this country trust the banking industry now in general. Nor are willing to go into those sliding scale and interest only loans that they are still marketing, some of which are not even based on the U.S. prime interest rate, but the European market.
Nothing essentially has changed which lead to this catastrophe to begin with. And most in the World War II, boomer generation or younger have moral difficulties paying "usurous" sums in order to purchase a home, a home which is now in many areas of the country due to the loan terms and assundry restrictive "use" restrictions and additional costs and provisions, and associated junk fees and charges tacked on for those purchases, nothing more than a foreclosure contract to begin with.
So...nice try, realtors. Since a great many of you also pushed and marketed to many of those retirees and others more home than they really could afford in order to get higher commissions also in the process, the trust in your "industry" also now is about zilch.
Especially those of us who lost ours, and who have made sure we speak the truth, rather than the spins, on just what lead to this, and the commercial and banking interests that were truly responsible - of course, along with the criminal element now residing on Capitol Hill and in our state legislatures who have been in collusion with the corporate interests and their primary "special interest" campaign backers for literally decades.
And the National Association of Realtors is high up on that list also.
Along, of course, with the bankers and their minions - the foreclosure lawyers and scam artists and their breathren in federal and state government.
And just where are those figures coming from?
No surprise, the National Association of Realtors who just might have an ulterior motive in spinning or inflating the numbers due to the market conditions at the present time, and number of jobless and homeless now which has swept the nation since the manipulated "mortgage" crisis and bank bailouts which just so happened to occur during the last presidential election cycle.
In fact, the June 19-21 headline of USA Today also said it all: "Foreclosures Heading Through The Roof."
More Americans are lining up at the soup kitchen, than at the realtors offices, since the homeless now and jobless stats are really off the charts and not this high since the last great depression, also manipulated by the European owned Federal Reserve, branch bankers and Washington.
As far as my personal knowledge and reports from my former home state of Arizona, one of the states hardest hit due to the boom and bust cycle and the many retirees on fixed incomes that also were hard pressed to come up with increasing property taxes and insurance which contributed to some of what is occurring also left out by the media, and those predatory "interest only" and other "creative" loans sold mostly by regional and national California domiciled banks.
Although the State of California doesn't share the entire blame for the now mostly Western and Southwestern home situation, since most of those loans were also underwritten with extra "propert stripping riders and provisos over and above the actual loan documents themselves by the governmentally created Freddie Mac and Fannie Mae. How Freddie Mac and Fannie Mae could have been "bankrupt" at all due to some of those usurous loans and terms really is quite inconceivable as one who was forced into such a refinance position and had to refinance a home in 2004 can attest.
It would appear this claimed increase in sales and "recovery" appears to be wishful thinking.
In Arizona, California, Michigan, Nevada and Florida due to also progressive overbuilding in those states for literally decades, and now thousands unable to qualify for fixed rate low interest loans with black marks on their credit records at this point, it will take literally decades - if ever - for the housing market to stabilize, from this 45 year Arizona resident.
In those western border states now in particular, due to the open borders situation and escalating drug war violence which I'm sure that also has affected the marketability of those houses significantly, since who wants to live in a state in which there is a foreign invasion and civil wars now going on due to federal negligence in "providing for the common defense," its actual primary function. Instead of now attempting to "reform" the health care industry according to a "business" model ala Soylent Green and Adolph Hitler on cost/benefit actuary "business" modes and standards.
Plus the fact that few now in this country trust the banking industry now in general. Nor are willing to go into those sliding scale and interest only loans that they are still marketing, some of which are not even based on the U.S. prime interest rate, but the European market.
Nothing essentially has changed which lead to this catastrophe to begin with. And most in the World War II, boomer generation or younger have moral difficulties paying "usurous" sums in order to purchase a home, a home which is now in many areas of the country due to the loan terms and assundry restrictive "use" restrictions and additional costs and provisions, and associated junk fees and charges tacked on for those purchases, nothing more than a foreclosure contract to begin with.
So...nice try, realtors. Since a great many of you also pushed and marketed to many of those retirees and others more home than they really could afford in order to get higher commissions also in the process, the trust in your "industry" also now is about zilch.
Especially those of us who lost ours, and who have made sure we speak the truth, rather than the spins, on just what lead to this, and the commercial and banking interests that were truly responsible - of course, along with the criminal element now residing on Capitol Hill and in our state legislatures who have been in collusion with the corporate interests and their primary "special interest" campaign backers for literally decades.
And the National Association of Realtors is high up on that list also.
Along, of course, with the bankers and their minions - the foreclosure lawyers and scam artists and their breathren in federal and state government.
Saturday, April 11, 2009
AIG: The Sanctity Of Contracts?
Recently "Break the Matrix" and Fox aired a segment from Judge Andrew Napolitano's "Freedom Watch" program with respect to the recent actions of Andrew Cuomo, Governor of New York, over the AIG executive bonuses and his actions visiting the executive's homes and demanding that these executives return those bonuses. Judge Napolitano was outraged, and relied on the Constitutional provisions with respect to contracts on the bonus issue.
I have just one problem with that. Contracts in bankruptcy or restructuring actions have never been ruled as "inviolate" when individuals are seeking bankruptcy protection, nor corporations, through the federal court system.
In fact, many contracts are set aside in such procedures depending on the assets, and future obligations are also scrutinized carefully since it is the trustee and court's job to protect the creditors primarily in getting the debts satisfied in whole or in part through whatever assets remain of the debtor and distributed accordingly at the time of filing. What can be protected by the debtor is also set by state and federal statute in order not to knock the legs totally out from under the debtor.
Also, the timing of execution of those contracts is also examined carefully, since there is a time frame prior to bankruptcy which must be met before that contract can be held valid in order to also protect the creditors - many a debtor has attempted to transfer assets using contracts in avoid their inclusion in the bankruptcy action which may be entered into when it appears bankruptcy is inevitable as an protection and avoidance tactic. How do I know this? I have had both friends and family members who have had to file bankruptcy both personally, and for their small businesses. I also worked as a contract law paralegal for many years.
Below is a copy of my letter to the Judge after viewing this segment:
Dear Judge Napolitano:
I just finished watching another interview on Fox regarding the AIG bonuses and Geithner's actions.
I am very, very confused as to where you are actually coming from.
Mr. Geithner, with respect to AIG at this point, since he was unlawfully transferred the trusteeship for this in effect bankruptcy action of a "global" corporation by Congress when they had no Constitutional authority to do so for this "restructuring" outside the federal court's jurisdiction, is in essence acting as trustee for the stockholders and shareholders and the American people.
Contracts are not inviolate under our Constitution nor under the common law and existing case law. As a matter of fact, many, many contracts are "set aside" for various reasons, especially in bankruptcy actions depending on just when those contracts were executed, whether they are "excessive" in their terms, and depending on the assets of the person or business claiming bankruptcy.
Corporations are not "persons" they are "property." They can be bought and sold. In a normal bankruptcy for an individual, all of their assets are up for grabs in order to satisfy the debts - which would include also any future obligations.
You can "contract" for a hit man, but that doesn't make that contract valid.
So just why does the media and the media representatives continue with all this smoke and mirrors with respect to the validity of this entire "bankruptcy," not to mention those bonuses - for a global corporation outside Constitutional authority to begin with?
I have just one problem with that. Contracts in bankruptcy or restructuring actions have never been ruled as "inviolate" when individuals are seeking bankruptcy protection, nor corporations, through the federal court system.
In fact, many contracts are set aside in such procedures depending on the assets, and future obligations are also scrutinized carefully since it is the trustee and court's job to protect the creditors primarily in getting the debts satisfied in whole or in part through whatever assets remain of the debtor and distributed accordingly at the time of filing. What can be protected by the debtor is also set by state and federal statute in order not to knock the legs totally out from under the debtor.
Also, the timing of execution of those contracts is also examined carefully, since there is a time frame prior to bankruptcy which must be met before that contract can be held valid in order to also protect the creditors - many a debtor has attempted to transfer assets using contracts in avoid their inclusion in the bankruptcy action which may be entered into when it appears bankruptcy is inevitable as an protection and avoidance tactic. How do I know this? I have had both friends and family members who have had to file bankruptcy both personally, and for their small businesses. I also worked as a contract law paralegal for many years.
Below is a copy of my letter to the Judge after viewing this segment:
Dear Judge Napolitano:
I just finished watching another interview on Fox regarding the AIG bonuses and Geithner's actions.
I am very, very confused as to where you are actually coming from.
Mr. Geithner, with respect to AIG at this point, since he was unlawfully transferred the trusteeship for this in effect bankruptcy action of a "global" corporation by Congress when they had no Constitutional authority to do so for this "restructuring" outside the federal court's jurisdiction, is in essence acting as trustee for the stockholders and shareholders and the American people.
Contracts are not inviolate under our Constitution nor under the common law and existing case law. As a matter of fact, many, many contracts are "set aside" for various reasons, especially in bankruptcy actions depending on just when those contracts were executed, whether they are "excessive" in their terms, and depending on the assets of the person or business claiming bankruptcy.
Corporations are not "persons" they are "property." They can be bought and sold. In a normal bankruptcy for an individual, all of their assets are up for grabs in order to satisfy the debts - which would include also any future obligations.
You can "contract" for a hit man, but that doesn't make that contract valid.
So just why does the media and the media representatives continue with all this smoke and mirrors with respect to the validity of this entire "bankruptcy," not to mention those bonuses - for a global corporation outside Constitutional authority to begin with?
Saturday, March 28, 2009
Who Owns the Federal Reserve?
The following is a listing of the owners:
Rothschild Banks of London and Berlin
Lazard Brothers Bank of Paris, Israel
Moses Sieff Banks Of Italy
Warburg Bank of Hamburg and Amsterdam
Lehman Brothers Bank of New York
Kuhn Loeb Bank Of New York
Chase Manhattan Bank Of New York
Goldman Sachs Bank Of New York.
So we have an ex-employee of Goldman Sachs, Henry Paulson, and upcoming current employee, Mr. Geither who were/are charged with overseeing that 700 billion September bailout outside the scrutiny of Congress or the American people. With AIG a London based global insurer.
And Goldman Sachs and Lehman brothers, who recently were declared in financial straits but who are actually owners of the Federal Reserve. Congress then is borrowing money from the Fed owned by two banking concerns claiming financial distress but are part owners of the Fed, Lehman Brothers and Goldman Sachs.
What's wrong with this picture?
Rothschild Banks of London and Berlin
Lazard Brothers Bank of Paris, Israel
Moses Sieff Banks Of Italy
Warburg Bank of Hamburg and Amsterdam
Lehman Brothers Bank of New York
Kuhn Loeb Bank Of New York
Chase Manhattan Bank Of New York
Goldman Sachs Bank Of New York.
So we have an ex-employee of Goldman Sachs, Henry Paulson, and upcoming current employee, Mr. Geither who were/are charged with overseeing that 700 billion September bailout outside the scrutiny of Congress or the American people. With AIG a London based global insurer.
And Goldman Sachs and Lehman brothers, who recently were declared in financial straits but who are actually owners of the Federal Reserve. Congress then is borrowing money from the Fed owned by two banking concerns claiming financial distress but are part owners of the Fed, Lehman Brothers and Goldman Sachs.
What's wrong with this picture?
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