Taking control of your credit, your government and your life

 

Our country is failing, but don’t take my word for it just look at the facts. Why? Our apathy plays a big part and stupid greedy people in power play an even bigger part. But make no mistake the Unites States is heading for the abyss unless “We the People” start doing something about it. China, Iran, Korea, Russia, even Mexico- don’t need to go to war with us they just need to sit back and wait for us to crumble then buy us up.

Like any system Capitalism, Socialism, Fundamentalism, they all have a single flaw, the human factor. Capitalism is our religion just as Socialism was the religion of the USSR. Like Socialism in Russia, Capitalism is all powerful here in the United States.  You see power, too much power, uncontrolled power, corrupts. It is one of the great truths of our species. It destroyed Greece, Rome, The France Empire, USSR and it is destroying the United States.

 

One of the most obvious signs of our demise is the reliance on physical power to instill our will on others.  We are a nation striking out blindly, physically against our perceived enemies at the cost of our economic survival. Our enemies are not just terrorist, but also a more basic enemy, human greed. Our great leaders, those fools in Washington, just gave away our future in the form of over two trillion dollars currently and they are talking about another trillion in the coming year.  The United States currently is carrying a trillion dollar deficit on top of all the money their giving away. Let’s not get into how much our wars are costing us.

 

Let me lay out some basic facts, and this isn’t really as difficult as it seems, first we have our elected officials, most of which know very little about running a business. They are in the business of power and greed. The few that do know anything about business are in government to make money, and they millions by helping there friends in the private sector. Pretty obvious examples P. Bush, oil, V.P. Cheney was CEO of Halliburton. Halliburton gets the exclusive contract to rebuild Iraq. 60 Minutes just did a big expose’ on that rip off. Then there is Paulson our Secretary of Treasury and one time head of _____________.

This has been standard operating procedure in government for years.  We’ve been taught that money and power are everything so those of us more interested in living life enjoying our families, and preserving our environment are fools or worse socialist.

 

I don’t think anyone one who has paid even a little attention to what’s been going on in the United States for the last few years is that surprised by what has happen. Nothing ever continues in one direction, especially the economy. The economy is like human emotions in many ways it has it’s peaks and valleys, but Greed pushed our economy into the stratosphere. Another truism is the higher you go the farther you have to fall. Greed didn’t allow for the inevitable fall, thus our current predicament.

 

The mantra of the rich, and our government is that anyone can be wealthy, but the reality is that’s not true, and under on our current course those of us who are not wealthy are about to be forced to eating cat food. We are going to see the end of the middle class in the next five years, and as things are going now we will be much worse off in ten year than we are now.  I’m not making this up there is hundreds of articles and statistics to back up what I’m saying.

The Unites States is finished as the ultimate place to live.    

That is if we apathetic idiots don’t get off our asses and take control of our destiny and our country by whatever means possible the majority of us will be homeless and hungry in the years to come.  They’re will be no bright future for our kids-nothing. They say this depression we’re in will be worse than the great depression of the 1920’s. You might want to check that out, there will hundreds of thousand of people homeless then. 

 

Look at what’s going on now. We make less money as a whole now than we did 15 years ago, we have no health care to speak of, no retirement, terrible education, and the middle class pays over 35% in taxes with very little to show for it. Let’s not forget that over trillion dollar deficit which will be double that very soon if it isn’t already- the government is very good at cooking the books. What’s so important about the deficit? It means we’ll never have the things listed above until that gets paid down because there is no money for anything. Our government is not broke it in bankruptcy, it just doesn’t know it yet.

 

The Obama Factor- I think he’s a fairly decent guy for a politician but let’s not forget he’s a politician and he made it to be president that takes cutting a lot of deals. He didn’t get there because he’s a nice guy- you all know that right? So Obama is bought and paid for, and regardless of any good intentions he may have, he still has to deal with a thoroughly corrupt congress, senate, lobbyist, and corporate powers- money it‘s always money that counts. They can and will stop anything he wants to push through unless they get their cut.  So like most do gooder’s ultimately he will be sublimated to their will.

 

The Bailout and why it’s not working

 

What happen with our “bailout money” Like the stupid, greedy people they are, our elected officials in a panic shelled out Seven Hundred and Fifty Billion Dollars, to  very people that caused our economic melt down- actually it was a trillion dollars,  prior to the Seven Hundred and Fifty Billion, they had given away Two Hundred and Fifty Billion Dollars.

Our government in their panic gave ONE TRILLION DOLLARS TO THE VERY PEOPLE THAT CAUSED THE PROBLEM IN THE FIRST PLACE.

How about this for a better use of that money; they could have paid off One trillion dollars worth of mortgages and credit debts. What would that have done? Well for starters it would have put the money back into the system where it should have gone at the base, back to “we the people” second it would have freed up peoples credit burden, the loaning institutes would have gotten paid off and, people would have had some disposable income to keep the economy moving. After all we’re the ones that keep everything going- us the worker bees. No it wouldn’t have been as easy as what happen, but it certainly would have worked better. 

 

But No!

In their ignorant panic and desire to go on vacation (true), our elected officials rushed through this $750 billion relief package and gave it to the very people that caused this catastrophe in the first place. The lending institutes, banks, credit card companies etc.

These companies were failing so fast it was like economic Ebola. But like Ebola you don’t but band-aids on exploding organs, you go to the root of the problem and solve it. Our government gave the same people that caused the problem $750,000,000.000.00 in an attempt to band-aid the problem. The big problem was they gave it to Paulson and he is playing for the other team, and so, either in his arrogance or purposefully no checks and balances were put in place as to how the money was to be used. How do you give away a One Trillion Dollars with no checks and balances?  The concept was that our lending institutes would continue to lend money to us poor credit addicts so we would keep borrowing and spending.

We, the common man has yet to see the effect of this give away of our money. Have you tried to get a loan? Have you tried to borrow money? We have and we’re given some great pile of bullshit about how we didn’t qualify. Now that really pisses me off. They fuck up and then try to lay the blame at our feet.

So now our elected officials, are running around going “hey banks and lending institutes, why aren’t you putting all that Tax money we gave you (translation “our money“), back out in the public domain?” Do you know what the response has been? “F-off government “, not one company is willing to account for the use of the money in any substantive way.

Why? Because they took the money and balance their books and now won’t loan squat.  You see the main reason they went belly up was they made bad loans in the first place. Not to us little guys, we usually pay our loans.  No, they collaborated with the credit reporting bureaus and the mega corporations to perpetrate a fraud of gigantic proportions. They loaned our savings account money, our retirement money, our futures to these giant corporations that were already failing because of poor business practices and poor products, in attempt to shore up this economic house of cards. You see these giant corporations couldn’t have bought a car with their credit ratings, but because of their power they were able to get the credit reporting agencies to lie and pass them off as good risks- there is in fact some congressional farces addressing this issue currently.

 

 You’ve heard the expression “nails in a coffin?” well the One trillion dollars of our hard stolen money is building the coffin now their nailing it shut and we’re on the inside.

 

The Car Company Deal

 

Then came the car companies and since our leaders wanted to prove they weren’t as stupid as, well they are, and fall for the same crackpot deal that just cost us $750,000,000,000.00, and made them look like fools. Our elect officials played a little game they produced a big mock up congressional hearing and made the car companies jump through all sorts of hoops then made these CEO’s get back on their private jets go back to Detroit and drive back to Washington in there new alternative fuel cars which incidentally look like crap, won’t be completed for several years, and still aren’t anywhere near as good as the Japanese models. Once they got back to Washington our elected official yelled and screamed some more, and then turned them down to much public satisfaction. But it was just a dog and pony show. the show ended on a Friday then our President in a real show of leadership got the poor car companies their money. You see the deal had already been struck and the money was quickly handed over from a fund set aside just for this situation within Five days, Forty Billion Dollars, and like the lending institutes they didn’t have to fix any of the fundamental problems which got them where they are in the first place. That fact is they will probably fail the reason? They make crappy over priced cars.

Seriously who didn’t wonder what the hell they were doing making these giant gas guzzlers like the Hummer, giant truck Suburban’s, and muscle cars, over the last few years while gas prices climbed to over $4.00 per gallon. To say nothing about how ugly they are. The only reason they were even selling these pieces of crap was great marketing and ridiculous loans, which essentially brings us a full circle to the problem, the lending institutes. 

Interestingly the credit reporting bureaus on which our credit lives and dies and who almost every American has groveled to at some point, was fabricating credit ratings for these giant corporations so they could borrow all that money that led to this, the greatest disaster since WWII.  Isn’t it amazing that we scratch a save beg and work hard to build our fical scores and you miss one payment on a credit card bill and your credit rating drops a hundred points and your interest rate goes up, yet these same companies that sit like some economic god in judgment on us brought disaster down by approving billions dollars loans to corporations that probably couldn‘t rate a home loan.

 

 

The Addiction of Credit

We are a nation of Addicts. We have been purposefully addicted to credit. From birth we are taught it is the only way to make it, and if you don’t have good credit it’s something bad. 

 We are in fact sheep being led to the slaughter. And, it has already begun. Do your wonder why countries like China and Iran even Mexico are so contemptuous of the United States?  They see what’s coming. There is a Russian economist __________, and he predicted 10 years ago that the USA would fail by 2010. His projections are coming true. Look him up it’s pretty scary how accurate he is.  If you think he’s some crack pot your wrong this guy is the real deal. He lectures world wide and is a highly regard economist throughout the world. The problem is the credit industry is a giant Ponzi scam and it is finally coming home to roost. We’ve all heard of Madoff and his Fifty Billion Dollar Ponzi scam, but look at the whole credit industry and describe to me the difference?

 

Credit Cards Companies

-We are force fed credit the day we turn 18, though we are taught that it is the only way to make it from birth. But, lets start at 18 years of age. At 18 if  we are inundated with student loan applications, and credit card offers.  How well are these banks and lending institutes vetting the credit card applicants? Well consider that my father has been dead for 8 years and he still gets credit card applications, and we’ve all heard of people getting their dogs credit cards.  It is easier to get a credit card at 18 than at 30. Why? Because we are young, trusting and ignorant. The young will spend more than they can afford, be in debt paying interest rates of close the 30%! For the next ten years of their lives. That amounts to free money for the lending institutes.  This is the same way that illegal drug dealers go after us. The younger the better.

Let me tell you it is almost impossible to live without credit.  Your credit score is more important than your criminal record. We’ve got to change that.

 

Like any good drug dealer the credit card companies will never let you go. They use the same techniques as any good drug dealer, they inundate you with offers, they come off like your best friends. Their ads campaigns cost billions of dollars. This money is spent finding your every weakness, your every desire and appealing to it.  Once you are hooked they charge interest rates average over 20% now up near 27%, they never want you to be free of them.  Years ago people were able to beat this addiction so the credit card companies did what any good racketeer would do ,they bought our congress people and senators- this is called lobbying. They got laws changed to prevent us from getting out from under their control by raising the amount of interest  they could charge and by making bankruptcy more difficult. 

 

Ultimately the problems we have now have been brought on by to entities: Loan institutes (banks, credit card companies, etc…) and the credit reporting bureaus. One hand washing the other. We can barely live without credit, and the reporting bureaus keep us in line. We are in fact the worker bees in the ant farm. We are never meant to get a head just keep our heads down and keep producing.  We are kept in place by a sophisticated system of controls which incorporate the corporate leaders, our elected officials, and in many case religious leaders. They all work hand in hand to achieve their goals which of course are power and money.

Though they is a great deal of collusion in this I am not claiming a great conspiracy, frankly ultra greed power hungry people don’t play well together. Think Enron and you’ll see where I at.

So I propose we take back our country and we do it by the only thing that really counts money.

 

The Plan

We stop paying out loans and credit cards for 90 days. We make this a national protest. If we can get enough people to do this we can start to take back control. We make it known that we will not be paying and if they ding our credit scores we will go another 90 days.  Nothing we could do would do more to impact these fools who think they have us by the balls than stopping the money. I would say lets not pay our taxes for a year as well but they would probably start shooting us.

 

So why do this and what do we want? Well how about this for a starters:

1. We want interest rates rolled back to a reasonable amount- less than 5%. 30% is extortion.

2. We want no more of our tax dollars doled out to big companies unless it directly benefits us. Health care, get out of our retirement fund, fixing out roads, sewers etc…

3. We have got to stream line the government it is absolutely wasting our money.

4. No new public offices created unless you get rid of an old one first.

5. Same with laws we don’t need new laws, did you know there are so many laws on the book that No one and I mean no one knows what they are.

6. Primarily balance; balance in government, in spending, in usage.

7. No taxes on SS did you know that they tax Social Security? How can you tax a tax?

8. Sorry illegal & legal aliens, US citizens first. If there is a job that we can’t do they sure hire outside but priority has to be to US citizens.

 

The only way to take back our country is hit them in the pocket books but it’s going to take a lot of us to do it. Please don’t let our country fail because of stupid greedy people.