May 23, 2013

Preparing for Civil Unrest

Since the collapse of the housing market, many people who never thought they would have to struggle financially are wondering what they are going to do.  They have been wiped out and their opportunities aer limited.  They are angry and frustrated. 

To add insult to injury, our government continues to operate in the "Business as usual" mode which is only  fueling the anger.  

If you think that civil unrest cannot happen in this country, you need to take a more objective look.  The warning signs are in place only needing a spark to turn the heat into flames.  I found this article at www.backwoodshome.com that I found interesting. 

You will find it published here in its entirety…

Preparing for Civil Unrest

By Claire Wolfe    

 The most remarkable thing about civil unrest is that there hasn't been more of it.

Politicians are making a hash of this country—and much of the rest of the civilized world. We know it. They know it. They know we know it. But we don't feel we can do anything much to stop them.

That right there is the pre-condition for civil unrest—when people are frustrated and politicians are nervous.

Worse, that was how things stood before last fall's crash. Before pols on both left and right launched the biggest mass transfer of wealth in history—transferring our wealth (what we had left of it!) to their friends on Wall Street and in the banking industry. In other words, that's how things were before things got bad!

Now everybody's talking about the ongoing catastrophe (even if we are in a momentarily sunny mood). But almost nobody is talking about the logical—maybe even inevitable—consequences of cynical or desperate politicians abusing an already fed-up populace: civil unrest.

I mean people taking to the streets. Or mass resistance. Or crackdowns because the government fears we might do something to upset its apple cart. It's going to happen. Somewhere. At some time. It's going to.

One of the few VIPs to mention the matter openly was Zbigniew Brzezinski, former National Security Advisor and the ultimate insider's insider. He commented on the millions of unemployed or soon-to-be-unemployed and the "…public awareness of this extraordinary wealth that was transferred to a few individuals at levels without historical precedent in America." He told "Morning Joe" Scarborough, "Hell, there could be even riots." I'd say that's an understatement. 

Although few in power are talking about it, rumors abound that governments at many levels are planning for civil unrest. One rumor is about a document supposedly being circulated right now among top federal officials. It's called the "C&R Document"—with C&R standing for "conflict & revolution." The much-storied paper is said to be a plan for controlling the American people when we get out of hand. True? Who knows. But the very rumor tells us a lot about these times. 

Other things are not mere rumor. When the federal government established a North American Army command in 2002, its purpose wasn't to repel foreign invaders. It was domestic operations—something long and rightly forbidden by the Posse Comitatus Act. In February of 2009, when military commanders in Canada and the U.S. signed a pact allowing their armies to operate inside each other's country they didn't even bother to get authorization from Congress—an illegal and unprecedented move. And once again, the purpose was handling "domestic civil emergencies." 

For several years, the Centers for Disease Control tried to get states to adopt something called the Model State Emergency Health Powers Act (MEHPA). This act would allow state governments to become police-state dictatorships in event of any ill-defined health emergency—vaccinating people by force, destroying or seizing property without compensation, and rationing medical supplies, food, and fuel. To their credit, most state governments rejected the act. A few adopted portions of it before a fervent opposition campaign caused the CDC to back off. However, the concept of a health dictatorship hasn't gone away. Not hardly. Within days of the news that a new strain of swine flu had arisen in Mexico in April 2009, states were again considering legislation to give themselves martial-law powers in event of an epidemic. 

And what of the dozens and dozens of federal agencies that now have SWAT teams? Seriously, what justifies the Bureau of Land Management or the Department of Housing and Urban Development having paramilitary units? 

Now maybe you like the idea of an Army that watches over its own citizens. Maybe it makes sense to have a government seize total dictatorial power in event of a health emergency. Maybe you believe SWAT teams will never be used except against bad guys. But do you really trust these people? 

After all, these are the same folks, and this is the same mentality, that not only spent $325,000 to produce a souvenir photo of a presidential 747 zooming low over the Statue of Liberty, but ordered the New York Police Department, the FBI, the Secret Service, and the New York mayor's office not to tell the public. Never mind that they realized full well that passenger jets and military planes plunging low over Manhattan would evoke panic. 

Still, peace reigns. Mostly. At least here in North America. But not everywhere. Not long ago, France was brought to its knees by night after night of rioting. In that country it's become almost common for workers to hold their bosses hostage in hopes of winning economic concessions. Greece, too, saw its normal life and business shut down by days of rioting. So did Iceland—a country that's normally the picture of civility. 

Can the U.S. be forever immune? 

It might not take much—and it could be something out of the blue, something impossible to anticipate—to set us against each other and against the "Trust us; we'll fix it" political crowd. 

In a way, this national silence on a matter so many people are afraid of is similar to the silence about general preparedness issues before 9-11 or Hurricane Katrina. Only Mormons and us wingnuts spoke of preparedness way back when. Since then, of course, advice on preparedness is mainstream and common. 

In another sense, this silence is different. Because when unrest finally erupts, it's not going to be us merely taking care of ourselves. It's going to be "us against them." It might be workers against bosses. Or the poor against bankers. Or blacks against Hispanics. Or little folk against Big Men in public office. Or farmers against the USDA. Or xenophobes against xenophiles. But however it happens, the implications aren't as Boy-Scoutish as just taking care of ourselves in an emergency. 

Defining civil unrest

Look up "preparations for civil unrest" on Google and…What's that echo I hear?—you'll find nothing that's going to help you. In fact, you won't even easily turn up a good definition of what civil unrest is. 

Like "indecency," the definition seems to be in the eye of the beholder.

I wouldn't consider a peaceful anti-war march to be civil unrest, for instance, but a police chief might. Similarly, I wouldn't consider acts of localized non-violent lawbreaking (like environmental activists chaining themselves to a tree) to be civil unrest; but a timber company official probably believes otherwise. 

Civil unrest occurs when anger, frustration, or fear turn disruptive on a mass scale. Or when government officials crack down because they anticipate such disruptions. Crackdowns can lead to further frustration, leading to further crackdowns and so on—especially when the crackdowns look unwarranted and tyrannical. 

In other words, civil unrest can arise from the anger of people or the folly of government or both together. 

Anger over an unpopular policy, a new war, a collapse of the currency, panic over a pandemic, a food shortage, a bank run—anything like that could cause civil unrest, especially in a population that's already on edge and no longer trusts its authority figures. 

Another thing you won't find via Google is how various types or levels of unrest are likely to affect us and how we should respond, if we're affected. Again, although the men and women at the top are quite concerned for their own sakes, they (and their media mouthpieces) would rather not talk about what we should do in event of civil panic. 

But that's not good enough for we independent-minded people, is it? 

Here are my definitions of levels of civil unrest and a little bit about how they might affect us: 

LEVEL ONE: The lowest level of civil unrest is when people turn on their own neighborhoods—as happened during the race riots of the 1960s and the Rodney King riots in Los Angeles. Level One civil unrest can be deadly and destructive, but primarily to people who live, work, or must travel in the immediate area. Level One unrest is spontaneous, Dionysian, is confined to a narrow geographical zone where the protestors live. Police response may be harsh, but it's localized. Unless you're in the middle of it, you're unaffected. 

LEVEL TWO: Level Two civil unrest may also be focused on a single area. But in this case, rioters or protesters have deliberately targeted a business district, a facility, a transportation system, or an organization to impose maximum disruption. One example: the World Trade Organization protests in Seattle in 1999; young people with violence in mind and rage in their hearts attacked an entire downtown, affecting hundreds of businesses and tens of thousands of workers who hardly knew what hit them. Another example: This spring, protesters in Thailand shut down the Bangkok airport, affecting who knows how many individuals and businesses. Level Two unrest is usually planned or semi-planned. The target is chosen deliberately. Although still focused in one area, Level Two can disrupt normal life and business in a whole region or country. 

LEVEL THREE: Level Three comes when mass unrest or authoritarian crackdown causes disruption at state or regional level. Then, no matter what the original cause or location of the trouble, everyone in the region is affected. Effects might include travel restrictions, random ID checks, mass arrests, food and fuel rationing, controls on money and banking, roadblocks, and other harsh "emergency" restrictions. 

LEVEL FOUR: Level Four is Level Three—but on a national or even international scale. It's martial law. If things ever get this bad, it's likely that the government itself will be a far bigger threat to everyone's well being than whatever the original cause of the clampdown was. 

And of course, any level of civil unrest can lead to laws, regulations, and harsher police policies that end up affecting everybody in the long run.

 

Yes, it can involve us.   

 

We make a mistake if we think civil unrest is strictly an urban phenomena. It can happen anywhere. 

When 400 government agents and soldiers descended on one isolated family in the Idaho mountains, the roadblocks, helicopters, Humvees, media presence, and furious protestors surrounded the Randy Weaver family and brought the normal life of Boundary County, Idaho, to a halt. The siege against the Branch Davidian church in Waco, Texas, wasn't conducted in the inner-city, either. Yet both of these were large scale catastrophes with all the hallmarks of civil unrest—individuals or groups resisting, government insisting. 

I can easily envision strictly rural-based unrest that urban dwellers will never even hear about (except perhaps in highly distorted reports). What happens, for instance, if farmers, 4H families, owners of saddle horses, and holders of small chicken flocks decide to resist en masse the National Animal Identification System (NAIS)? It's easy to imagine, in these crazy days, USDA SWAT teams descending on the countryside to make arrests, forcibly register or destroy non-compliant animals, and burn down non-registered facilities. 

The future could see rural resistance to invasive census-taking, forced vaccination programs, land takings, water-rights policies, or the destruction of herds for real or bogus health reasons. As country people increasingly see governments as foreign organizations driven by the interests of city dwellers, pharmaceutical companies, and mega-agri-business, it wouldn't surprise me. 

If we ever have serious food shortages, expect rural areas to be besieged. 

Even when civil unrest confines itself to the cities, airports, or highways it can affect us in crazy ways. Here's a funny example of unpredictable (in this case mild) consequences. A friend was due to have her first book published in Canada. She was very excited—then disappointed when weeks dragged by and the book didn't appear. Turns out that a band of Indians was blocking a highway bridge the printer's truck had to cross. The union truckers, in solidarity, refused to route around the protest. Just one small consequence. But you can see the unpredictability. 

The simple truth is that we don't know what kinds of unrest to anticipate. We don't know when, or if, we'll see civil unrest. But thinking about the problem and preparing ourselves mentally and physically to deal with it should be just another aspect of our personal preparedness. 

What we can do

1. Keep standard emergency preps up to date. First thing to do is make sure all our typical household preparedness supplies and plans are current. As BHM readers know, backup food, water, and other supplies are our mainstay for everything from bad storms to long-term unemployment, from power outages to social breakdowns. During civil unrest, especially at Level Three or Four, we might not be able to get out to buy things we need—or we might consider it more prudent to stay at home. On the other hand, if we ourselves are part of the unrest, we may need those supplies to sit out a siege. 

2. Don't fall into foolish complacency. We who live in the country tend to have an "it can't happen here" attitude toward political violence or social upheaval. We see those things as urban pheonomena. And mostly, they are. But there's no ironclad rule that says they have to be. If anything disrupts the supply chain, for instance, rural areas could be the first to be cut off from food, medicines, fuel, or other necessities. If government breaks down to the point where it can't deliver food stamps, housing vouchers, social security, or bureaucrats' pay, the rural poor and unemployed could become just as restive as their urban counterparts. 

3. Watch your health. As I write this, the airwaves are shrilling about swine flu. This outbreak may fizzle; after all, perfectly normal flu kills many every year without causing panic, martial law, or incessant media coverage. On the other hand, it's certain that one day some illness will rampage across the globe. Few things inspire public panic more quickly than contagious disease, and once again rural areas are not immune. Take all the standard recommended precautions like frequent handwashing. Make sure your preparedness kit includes surgical masks and disposable gloves as well as a selection of frequently updated medications. And be ready to lay low at home for a long time in the event a serious plague gets loose. 

4. Make common cause with your neighbors. I've said it before, but establishing a strong bond with people in your community—right now—is vital to every sort of emergency preparedness. In event of a Level One or Two emergency, these are the folks who could come to your house to make sure you're okay. They might give you a ride out or a place to sleep if you accidentally end up in a "hot zone" of riot or protest. In a deeper or more long-term emergency, they could pool resources with you to make supply runs. They can advise you if they've spotted a roadblock. They might let you cross their land to avoid a route that has become dangerous. 

5. If you grow crops or raise food animals and the unrest is due to a food shortage (or something has driven city people out into the countryside), prepare to protect your resources day and night. Here again neighbors can do each other valuable services, like taking shifts guarding fields, barns, private roads, and gardens. Yes, this is an apocalyptic scenario. Not a likely one. But if it happens, it's a Level Three or Level Four emergency—delivered to your own front yard. 

6. Get advance word on local conditions when traveling. We're used to hopping into our vehicles or onto airplanes and going wherever we want to go. But as the worldwide economy deteriorates, it's wise to keep an eye on our destination. Right now, this warning pertains more to overseas travel than jaunts within the U.S. If you plan to go abroad, visit online sites like Travelfish.org. They'll have bulletins about adverse conditions in areas you plan to visit; you may even be able to receive alerts via email that will warn you about anything from political protests to disease outbreaks in places you plan to go. 

7. Watch for signs of trouble when in an unfamiliar area. Sometimes the only advance notice you get is the notice your own senses give you. When walking, driving, biking, or otherwise traveling in unfamiliar places, stay in what gunfolk call "condition yellow." This is different than the meaningless colored threat levels the Department of Homeland Security puts out. It just means "be alert!" Never simply allow yourself to slouch along obliviously. Always be aware of who's nearby and what's going on around you. If you spot trouble developing, turn. Avoid it if at all possible. 

8. If you stumble into a "hot zone" of unrest, be prepared to think on your feet. Not many people are qualified to give you advice about how to behave if you unavoidably find yourself in the midst of trouble—a riot, a mass protest that suddenly engulfs your familiar downtown, a spot where police are bashing heads or hurling tear gas seemingly at random. That's because not many people have ever been there and every catastrophe is different. If street-level chaos surrounds you, do your best to keep a cool head, move away from the worst of it if you get the chance, and get inside if possible. 

9. If you're swept up in mass arrests during a riot or demonstration, the officers probably aren't going to be listening to your protestations of being an innocent bystander. You'll only tick them off and possibly get a charge of resisting arrest. The best advice I've received from my friends who've been busted during out-of-hand protests: Go along as best you can. Usually, all charges in such cases are either dropped or reduced once calm is restored. Only if we've reached the extreme point where police are rounding people up and throwing them into detention camps or "disappearing" them is fighting cops on the street likely to be worth it; then…fight like a demon. 

10. Have a good lawyer and carry his or her card with you. Once again, in the heat of chaos it may not do you much good. But that card will come in handy later. Besides, if you and a police officer have an encounter in calmer circumstances, a lawyer's card, along with your calm assertion of your legal rights, will help you to be taken seriously. Police officers are like anybody else; they're more likely to go after easy targets than ones who are obviously knowledgeable and prepared. My lawyer has a helpful little list on the back of his card of the things you should do—and not do— when accosted by a police officer.1 I'd trust that more than my own nerves in a tight situation. 

11. Be careful of roadblocks. This is a hard one. If we reach Level Three or Four of unrest, we may not only see the obnoxious police "checkpoints" we're burdened with today. We might also see two other things. One would be expanded police roadblocks, with warrantless searches, harsh questioning, and possibly mass arrests. Another could be "freelance" roadblocks—roadblocks set up by anybody from political protesters to highwaymen. (Just as gangs of home invaders now masquerade as SWAT teams, highwaymen might masquerade as government officials to rob the unwary.) If it's humanly possible, avoid roadblocks. It's not illegal to turn away from them, as long as you don't disobey any traffic laws. Police do consider it suspicious behavior and may come after you, even if you've done nothing wrong; but in a time of civil unrest, avoiding a roadblock could save your skin. Of course, both police and freelancers will set up their blockades to make them as hard as possible to avoid—all the more reason to be alert, know where roadblocks are likely to be, and have a mental map of alternate routes. If, in a time and place of unrest, you're in a line approaching a roadblock, watch what happens to the people ahead of you. If you see any sign that the motorists ahead are being abused, get out of there.  

So far, we've talked mostly as if civil unrest is something apart from us—something we might have to be wary of, something we might stumble accidentally into. But the fact is that as our country becomes less free, we might of course be the civil unrest.

 

We might resist having our premises tagged for NAIS or having our herds slaughtered for real or bogus health reasons. We might end up fighting evictions (as farmers and many rural dwellers have for centuries during hard times). We might be the ones who say, "Hell no, we won't go!" when the mobile vaccination van comes to town, or the ones who try to keep our neighbors from being rounded up and sent to camps. Times are uncertain. We simply don't know. 

But in every case, preparedness, foreknowledge, and a cool head will come in handy. 

Some of us already have lines in the sand that would inspire us to resist abuses of authority. And that, right there, is something our would-be masters fear—our disobedience. What will happen? And when? Nobody has a crystal ball. But the combination of public frustration and governmental apprehension is an explosive one. Someday, somebody will light the match.  

 

Here's the copy on the lawyer's card (capitalization his):

IF YOU ARE ARRESTED OR CONFRONTED BY THE POLICE: 

1. FIRST, ask to call your lawyer. 

2. Be courteous; do not resist. 

3. Do not consent to search or entry. 

4. Do not talk about anything; do not admit OR DENY anything. 

5. Ask if you are free to go. If you are, GO. 

I've had several different lawyer's cards over the years that say similar, but slightly different things. Another great source of information on how to handle yourself when confronted by police is the DVD Busted: The Citizen's Guide to Surviving Police Encounters. It's great because it shows very realistic scenarios and coaches you vividly on how to navigate them. Clips from "Busted" are online at the link above.

 

 

What shall we tell our children Mr. President

This post is a direct copy of an essay from Mandelman Matters, one of the blogs I follow regularly.  This was originally written in November of 2010.  How have we let another year go by allowing our leaders to make no changes, putting us in a deeper hole.  I appreciated the sentiment because it raises a question that all parents are asking.  It also speaks to the anger and frustration we as a people feel about the people who lead this country and steal us blind.  Whether you agree or not, notice that the anger is right on the surface, yet there is no name calling or rhetoric.

It’s 4:00 AM.  I couldn’t sleep…

I had lunch with my 15 year-old daughter today.  It’s her Homecoming Dance this coming weekend, and with 12 of them all going together, they thought they’d get a limo to take them to dinner and then to the dance.  The kids were struggling with being able to afford it and get it done, so she called me.  My wife and I decided to help them make it happen.  But that’s not my point here…

During lunch she said in passing: “Maybe a few years ago when people had money…” and it made me sad to realize that they know… they see and hear what’s happening in this country… they see people, including me, working more and worrying more.  This has already affected their lives growing up.  They’ll take the feelings they have today with them through the rest of their lives.

So, what shall we tell our children, Mr. President?

Shall we tell them how you came into office so popular… speaking of hope and change… telling us that you’re one of us… and then how you helped the people of this country?  Or should we tell them the truth, Mr. President?

How you turned your back on the working class in this country to favor the banking class.  How you decided that a mediocre health care bill was your priority over 20 million Americans losing their homes.  How voters became so angry with your administration that you lost control of the government after only two years and now we face gridlock and nothingness for the next two years as a result.  What shall we tell the children about this country, Mr. President?

Should we tell them how things are fair in this country, that we are a nation of laws and that we are equal in the eyes of those laws?  Is that even true anymore, Mr. President?  Should we tell them about our nation’s Founding Fathers and how they envisioned a representative democracy, a republic, in which our elected representatives represent the will of the people?  How can we show them their vision came true, Mr. President.

Should we tell them how we are a nation, one people, indivisible, with liberty and justice for all?  That united we stand and divided we fall?  That we never leave Americans behind; that we care about the rich as we care about the poor?  How can we tell them these things, Mr. President?  Is this what you and your wife are telling your children, Sir?

What should we tell them about the future of this country?  That the working class people of this country all became irresponsible at the same time, went out and bought homes they couldn’t afford, and now deserve to be losing them… 20 million or more Americans… all losing their homes, and that once that happens our economy will be better?  Is that what you’d have us tell them, Mr. President?

Because that’s crap, Sir, and I don’t lie to my daughter… ever.  So, I think I’d prefer to tell her the truth about what’s happened, Mr. President.  That a small group of rich bankers broke laws, abused our financial system, caused the pain and suffering they see around them… that our government was inept… that they looked the other way because they were so out of touch with the way the world really worked… works.  That we can’t really trust them because they will be influenced by moneyed lobbyists pedaling the views of a small segment over the needs of the nation.  That we cannot trust or believe in politicians when they say things, whether to get themselves elected, or otherwise.  Like you, Sir… that they cannot trust people like you, Mr. President.

Shall we tell them that this is the land of opportunity, and that we strive to make that opportunity as equal as possible?  That crime doesn’t pay, and that they can be anything they want to be as a citizen of this great land?  Because that’s what I was told as a child, and I’ve believed it all of my adult life, Sir.  But not anymore, Mr. President… and not because of what our last president did or didn’t do, but only because of what you have and haven’t done.

You alone have caused me to lose my faith in America, Mr. President.  How could you allow that to happen to so many Americans, Sir?  I feel a loss so great and so tragic that I can barely think of it without weeping, Sir.  I wonder if Jamie Dimon, Lloyd Blankfein, Kenny Lewis, Dick Fuld, John Mack, John Stumpf, Vikram Pandit… and all the rest… do you think any of them feel that way, Mr. President?  They received record bonuses for their role in our nation’s fall from grace, I wonder what they will tell their own children about this time.  Do you wonder that as well, Sir?

I haven’t lost a house, Mr. President.  I haven’t lost a job either.  And yes, my daughter and her friends will be driven by limousine to their Homecoming Dance.  And you can know that I thank God and this country every day that my wife and I were able to make that possible.

But, because of your policies I also know that no one in this country is economically safe, and no one will be safe for a long, long time.  Millions more will endure pain and suffering to a degree that should not be possible in this country.  And that’s your fault, Mr. President, not President Bush’s, or anyone before him.  You were given the ball, and it was yours to run with… but you ran the other way.

What shall we tell our children about that, Sir?  That you said you were a man of the people when you were riding around Iowa?  Do you think the people of Iowa knew what you’d do once in office, Mr. President?  Because I surely did not know, Sir, I surely did not know.

What shall we tell the children, Mr. President?  How can we tell them the truth, even though we cannot lie?  How can we tell them we’ve lost faith in America… that our government has abandoned us… that we no longer feel like a nation whose government is of the people, for the people, and by the people?  That you failed us, Sir.

What shall we tell the children, Mr. President?  Do you even care?

Mandelman out.

No Refinance For You! – We called this one six weeks ago

The President is on a west coast swing to sell his new refinance program.  If you remember, this is the program he talked about in two sentences in his public jobs speech on September 8th.  In our September 11th post – The American Jobs Act – Same song, different spin,   we told you what they would do and again  we called it exactly right.   

Many American homeowners have been trusting that the government is going to come to the rescue with some kind of plan that will help them to weather this storm.  As a matter of fact, that is number two of the Top Five Mistakes Underwater Homeowners Make.  The bottom line here is NO REFINANCE FOR YOU! (To use the Soup Nazi reference from the old Seinfeld show)

Here's why you are not going to get a refinance.

In our post we told you that what the government would do in this situation would simply expand the Home Affordable Refinance Program (HARP) and that is exactly what they did.  The original program allowed refinancing up to 125% of the value of the property.  The new program will erase this limitation.  In the original program, you had to go directly to your lender if the new loan amount exceeded 105%.  We expect this to remain, which means that you will have to go to the bank you are making the payments to in order to try this. 

Here is why this won't help you. 

1. If your loan is not owned by Fannie Mae or Freddie Mac, No Refinance For You.

2. If your loan is owned by Fannie or Freddie, you have to be perfect in every other area.  Credit, income and other debt or, No Refinance For You.

3.  If you applied for a loan modification, you had to get behind in your payments.  (Those are the banks rules)  You are no longer a "responsible homeowner" to use the Presidents words.  That means, No Refinance For You.

4.  If the bank is worried for any reason that Fannie Mae or Freddie Mac will require the bank to buy the loan back, and this is a huge worry of the banks.  No Refinance For You.

The thing you need to be most aware of is that this refinance program will only deal with your first mortgage.  If you have a second mortgage, they will not roll the two together. 

What this program will do to the minimal number of people that it will service is to prolong the inevitable.  You will still be underwater in your house.  You will continue to sink as the market continue to drop.   The only thing this program will do is give you a lower interest rate and maybe a lower payment for a house that is still drowning you.

The real solutions lie in other areas.  Do your research, find out what else you can do and then take decisive action.  You are on your own.  No one is coming to save you.

“What Bankers Do Good is Buy Politicians” – Michael Moore

Yes, Michael Moore is a bit of a controversial figure. People seem to either really like him, or can't stand him.  The polarization we see around him is very similar to our political system, and the voice of the American people has gotten lost along the way.  As we move closer to the 2012 elections, is it more important to stick to the "Republican," "Democrat," "conservative," or "liberal" labels that box us in, or is it time to start listening to what these politicians are actually chirping?  

Whether you like Michael Moore or not, I urge you to watch the attached video and listen to what the man is saying.  One of the big questions that is repeatedly being thrown out there by the mainstream media is why the movement is primarily on Wall Street instead of in Washington D.C.?   With no hesitation, Mr. Moore answers, "The reason that the protest is not centered in Washington is because those are just the employees of <Wall Street>."   Bingo Mr. Moore!  The Financial Revival Group has said all along that the government is controlled by the banks and Wall Street.  People, quit blaming your neighbors for buying too much house.  Don't you want to know who really stole your money?  Shouldn't there be some kind of accountability for the people that had a hand in destroying so much wealth?  That's what this movement is about.  

Click Image to view video

Did you know that there is a growing group of supporters for Occupy Wall Street?  It's our former military members.  Started by Marines, it's growing to veterans of the other branches of the military, plus police officers (go ahead and google "occupy police").   One of our most cherished rights as American citizens is the right to peacefully demonstrate.  The Occupy Marines movement has been created to "support demonstrators with organization, direction, supply and logistics, and leadership."

http://www.businessinsider.com/occupy-marines-shamar-thomas-2011-10

It's time we all make a stand for our country – not our "party."   They've proven they can't get it done – on both sides of the aisle.  They've proven where their allegiance is.  Now it's up to us.  

Home Preservation Specialist – The spin never stops

We got this letter from one of our members who was not happy with the bank when she got this.  She told us the tone of the letter offended her.  She felt like Wells Fargo expected her to believe that they really wanted to help her keep her house.  She already had plenty of evidence to the contrary in her efforts to work with the bank over the past year.  Now that she had stopped paying, they now believe her to be an idiot who will fall for a change in title and a condescending letter.

I guess it's official… When the banks bought the politicians, they got their spinmeisters too.

Wells Fargo has changed the titles of some of their employees to sound more appealing to underwater homeowners.  The former, collect money at all costs, lie if you have to and steal all that you can from the unsuspecting public employees are now called, Home Preservation Specialists. 

Such a nice, Mr. Rogers kind of name designed to make underwater homeowners more willing to give up their financial information.  The information the bank needs so they can extract as much money from underwater homeowners as possible before they foreclose on the property. 

I have to hand it to the banks, they have been lying to us for so long and we still keep sending our paychecks to them so they think we will believe anything. 

Well Wells, and all of you other big banks, your time is coming.  If you still have money in Wells Fargo or any of the other big banks you have to stop feeding the beast.  Close your account and move it to a credit union or a local bank.  If enough of us do it, maybe they will realize that we are not so stupid.  Maybe they will actually start acting with some modicum of respect for the people that make this country run.

If you have an underwater mortgage with Wells Fargo and you are still paying on it.  Once you stop paying, you will probably get this same letter.  How will it make you feel.  Happy and empowered or small and gullible.   

 

The Occupy Wall Street movement expands to help homeowners

In an article on MSNBC.com today in a story entitled "Homeowner taps "occupy" protest to avoid foreclosure."

The article describes the story of Rose Gudiel who lives in La Puente CA.  Rose and her working class family have been through a dramatic series of events to try to save their house from foreclosure.  When they go no help from anyone, they decided that they would stay put and do whatever they can to keep their house and keep One West Bank from putting them out on the street. 

CLICK HERE  to read the entire MSNBC story by Kari Huus

This story was send to me by one of our members and it caught my attention for two reasons.

1.  This is confirmation of a post we make last week that the Occupy Movement should not be scoffed at.  This movement is the beginning of what we believe will be protests and social unrest that will sweep the entire country until "We The People" see some fundamental shifts.  CLICK HERE to read our post entitled: Occupy Wall Street Movement – Neither the D’s or the R’s get it.

The Occupy Movement is disorganized and unfocused.  They know that we have to see change in the way things are done in this country but they cannot articulate what needs to be done or how to do it.  Half the politicians laugh at them and the other half want to control them for their own gain.  Neither are correct.   

This movement has proven that it can rally people at a specific time and place.  They may have found another venue in the continuing collapse of the housing market that will draw in more people that have in past not protested about anything. 

2.   The second reason this story interested me is that the writer didn't know about the sweetheart deal that One West Bank made with the FDIC when they took over the failed Indy Mac Bank a couple of years ago.  The truth is that One West Bank makes so much money foreclosing on properties that it has no interest in helping anyone do anything to stop foreclosures. 

The fact that public exposure in this case helped Gudiel family keep their house and stop One West Bank is a positive sign that should embolden the protesters even more. 

Below is a video that will explain the "Old Boy Network" deal that One West Bank got from their buddies at the FDIC to take over Indy Mac Bank.  I know Frank and Brian who do these videos and this one has had over 2 million views.  Partially because it is another example of how we continue to get screwed and another is because it is true. 

If this doesn't make you want to get out and stop the banks, nothing will… 

Until they come for your house!

Occupy Wall Street Movement – Neither the D’s or the R’s get it.

If you have watched the news at all in the past few weeks you have heard about the Occupy Wall Street Movement.  The protests are an outpouring of anger against the financial collapse in this country and those that most of us believe are responsible.  The protests started on Wall Street in New York and as of this writing have already spread to 10 cities around the country. 

The American public believes that Wall Street, the bankers and even our own politicians have robbed us.  The aim of the protests is to bring attention to the fact that something needs to be done to rectify the situation.  To add insult to poverty, it is apparent that our politicians are now willing to put our entire economy and our way of life at risk by letting the pillaging continue as long as they get a piece of the attention.  They are doing this openly and without remorse.  They believe if they just keep it, "Business as Usual" that this will all blow over like the daily news cycle.  This time they are wrong!

The anger in our country is universal.  As divided as we are on other issues, in this case we have an overwhelming majority.  WE THE PEOPLE ARE PISSED.  WE WANT SOLUTIONS.

In the midst of a financial crisis that threatens over 200 years of American exceptionalism, all our politicians are trying to figure out how they can benefit from this situation.  Are they too self absorbed to understand this or do they think we as a body are too stupid to understand?  This time, both sides are showing how shallow they really are and my sincere hope is that this could be the issue that finally unites us against those that don't have our best interests at heart. 

Here is why they both have it wrong and you should pay attention to this movement.

The Right, (Republicans) – Label the protesters as loons, hippies, anarchists, idiots, misfits or socialists.  They have a lot more names but the truth is they are attacking the messenger.  They hate it when the left started and continues to use this tactic against the Tea Party and yet the right is doing the same thing now.  

It is true that the Occupy Wall Street  movement doesn't have any leaders and has not articulated a clear message.  They don't dress like they are ready for a prime time press conference and they don't follow the previous rules of social disobedience.  Most of them don't know the difference between a credit default swap and a derivative.  That can also be said for most of the American public as well as our elected officials.  So what.  The Banksters are smart.  With the politicians in their pocket and free reign to make their own rules with our money, there was no one left to watch our backs and protect our financial future.  

The Right sent their reporters out with the sole intent of discrediting this group.  The reporters asked pointed questions about why each individual is there and then point out the conflicting answers as to why the protesters are passionate and committed to this movement.  They find well known people in the crowd who support the movement. They only show those that they attacked in the past as extreme.  They spin the responses as a lack of understanding of the issue when in actuality, is it something else. 

The movement is a cacophony of anger about the misuse of power that has bankrupted our nation.   The protesters may not completely understand how this happened.  They may not understand how to fix it, but they know there is a problem and no one is doing anything meaningful to make it right. 

Because their movement cannot be put into a simple sound bite, the right has written them off as insignificant..  Big mistake…

In our world of political division, what one side likes, the other opposes.  Since the right does not like the movement, the left embraces it.  They are wrong too.  Here is why…

The Left, (Democrats) – Does not see a movement that desires to make meaningful changes to a system that is broken and corrupt.   They see a group that is making news with no leader.  The left wants to run to the front and pretend they are leading the charge.  Of course they will have to tune the message to align it with their own political agenda. 

If you polled the protesters, a majority would probably lean left in their political views and may desire some help to get their message out.  While some organization and clarification would be helpful,  I don't believe they want to dilute the goal of fixing the system by adding this movement to either side, insuring its ultimate demise. 

The political left doesn't care about the message or fixing the problem either.  They are as responsible as the right for the entirety of this financial collapse.  This is business as usual for them too.  The politicians do what politicians always do, they politicize it.  If the left can run to the front and lead this movement, they can then add their talking points to the sound bites that the media show when covering the movement.  You will know that this is starting to happen when it is reported that the one of the goals of the Occupy Wall Street Movement is to get the Presidents jobs bill passed. 

We have recently seen protests all over the world that stemmed from the abuse of economic and political power.  The Occupy Wall Street Movement is just the beginning of what I believe will be many public protests in this country.  So far, the protests in New York and other cities have been relatively peaceful.  When you get that many angry people who don't believe they are being taken seriously it doesn't take much of a spark to set off the whole.  When the desperation of a large group is manipulated for political gain by one side, the spark could be a wildfire.

Don't underestimate this movement or write them off.  At it's core, most Americans agree with them or are at least sympathetic.  The D's and the R's are just looking for an advantage.

Howard on Public Exposure – Your Mortgage, contract or moral obligation

Our Founder Howard Bono was recently interviewed on Public Televisions Public Exposure.  In this video he discusses whether your mortgage is a contractual or a moral obligation.

 

No Double Dip – Housing has hit bottom

They are doing it again.  Trying to sell us (the public) on the fact that the housing market has hit the bottom so we should keep paying.  We have talked about this deliberate pattern of deception months ago and even showed you some examples. 

In a recent survey, 78% of investment managers say that we are not going to see a double dip because "Strong corporate profits and balance sheet, combined with high profit levels will stave off any double-dip".   They go on to say that because money managers expectations for growth are already so low, they see a buying opportunity for stocks.  So what they are saying is "NOW IS A GREAT TIME TO BUY STOCKS".  Is this just another pitch from the pitch men on Wall Street to get you buy from them so they can make a commission.  I believe so. 

I recently spent some time with someone who was back in DC a couple of weeks ago at the Clinton Global Initiative.  While he was there, he met with lots of Wall Street types and he told me this.  "Regardless of what they say publicly, they are worried.  They are scared and they are getting desperate."  Now we see a new survey that talks about how much better things are going to get without the shadow of a double-dip recession hanging over us.   I for one don't believe a word of it. 

Not only do they want us to believe that the stock market is OK but they also want us to buy into the idea that this will carry over to the housing market too.   Everything that the FED has done for the last 3+ years has been designed to buoy the stock market.  Nothing has been done for housing.   If you want to read the whole article about the survey, CLICK HERE.

With the real unemployment rate at close to 20% and the Government at all levels cutting more jobs and not filling vacancies, we stick to our projections.  Housing will experience another 20% drop or more before it bottoms out in 2014 or 2015.  After that we plan to see housing prices staying stagnant at those levels for several year more. 

If you belive like we do, that there is much more downside to come in the housing market, the questions is, "Is it time for you to do something about your house?"