Music by The Refusers

Friday, November 29, 2013

Finance Capital vs. Public Banking - An Ellen Brown Interview With James Corbett



1 October  2011

SUBSCRIBE TO THE PODCAST: http://ur1.ca/50ptm

This week GRTV talks to Ellen Brown, an attorney, author, and president of the Public Banking Institute. We begin our discussion with an examination of Brown's recent article on naked shorting and the supppression of the gold price, and we turn our attention to solutions that the people can use to take back power from the finance capitalists. We finish on a discussion of the state banking solution proposed by the Public Banking Institute.


 

Thursday, November 28, 2013

A Lesson In Caution & Discernment To All Junior High School Students On The Net




Lets see if you find this one.

Be good and listen to your teacher.

Happy Christmas Break.

Brian Dillard Is Asking For Your Help - This Is A David vs. Goliath Story



I would appreciate any media coverage in regards to my complaint below. If you know of anyone that can provide media coverage for my issue, please let me know. Despite it being the “holidays” or “holy days” for some, for others, it is a time of grief; especially when your home is being threatened by your bank for NO LEGITIMATE REASON! If you reshare, please ask people to comment on this main post. My head is spinning with all of the responses.

I am currently having a problem with my bank +Bank of America in regards to my mortgage. Despite NEVER missing a payment, and NEVER being late, I have been placed in their foreclosure department. So how did this all start?

Two months ago I applied for a home loan modification, based on the HAMP program (Home Affordable Modification Program). This is a program that is supposed to help homeowners who are still paying their mortgage, but need to modify due to changes in income. Bank of America assigned an “account manager” to handle my account; with whom payment arrangements, modifications, and discussions about my mortgage would take place.

From the first time I spoke with her, she referred to my property as being “in foreclosure;” despite never missing a payment. When she has spoken with me, she has had to be repeatedly reminded that I requested a modification of my mortgage, and was NOT in foreclosure. She started each conversation off explaining that the foreclosure proceedings have taken place, and has discussed my “occupation of the property.”
She also stated that she is the “account manager” in the foreclosure department. After my explanation that I had applied for a modification, and should not be in foreclosure, she placed me on hold (each time), and eventually comes back to the line and say’s that she has seen the notes about my modification and she is part of the “modification department.”

I provided all of the necessary paperwork for a modification almost 2 months ago, and have yet to see any attempt at modifying my mortgage. I spoke with her last week, and was told that the application was not yet submitted to the underwriter, because of the “foreclosure status.” Once again, I had to start over, explaining that I am not in foreclosure, but instead requested a modification of my mortgage.

The very first time that I spoke with her, she was unfamiliar with HAMP, and stated that the best way to modify my mortgage was to stop making payments. This does not seem like legitimate or sound advice, especially coming from the bank that I am making payments to. I believe an attempt at fraud is being made by Bank of America in order to foreclose on my home.

I believe that since I have equity in the property, and because my finances have been laid out according to the HAMP program, delays are taking place to force a foreclosure on my property, rather than a legitimate attempt at modifying my current mortgage.

I have complained and requested that my complaint be escalated, but nothing has been done, after dealing with the same account manager for over 7 weeks. I spoke with Bank of America today, this time, with a different representative, who asked if I had yet to “vacate the property.”
We have made every attempt that we could to modify our mortgage because we are going to keep our home. There is no reason the threat of foreclosure should be used on people that have kept their mortgage in good standing.

This makes NO SENSE, and is really putting a hamper on our attempts at enjoying the holidays. To make it clear, we have NEVER been late, NEVER missed a payment, and NEVER had a problem with the bank PRIOR TO APPLYING FOR A MODIFICATION.

If you are an anti-regulation person that wants to argue, please refrain from turning this into a heated discussion and consider posting elsewhere or keeping your opinions to yourself.

I apologize for misspelling foreclosure on the image. I was a little frustrated when I created it.

UPDATE: To answer some of the questions that I have been asked, I am updating the post. I have not received any official notice in writing from the bank; only verbal communication from their reps over the telephone. I currently bank with the above mentioned bank, and all online access to my mortgage account stopped once I applied for the modification. According to them, it is standard procedure. So, I can only make payments through a specific number, or by mail, but am unable to review my mortgage payment history, etc.
I did not want to wait to get notice in writing before posting about this; I should not apply for a modification and be treated as a non-paying customer. Nor should this have ever come up in the first place since I am current on my mortgage payments. That is what concerns me the most, and why it was so unexpected. I thought it would have been worked out by now, but it is continuing and is making no progress.

I have had a similar experience with a fraudulent bank a few years ago when a home that we were renting was foreclosed on. We attempted to buy the home in a short sale from the owner, but the bank would not sell to us and we lost several of our personal belongings when we were locked out of the property. I won't share the name of that bank, let's just say, we were "Chased" out of the home. That was scary then, and we didn't own that home... This is scarier to us because we have spent a great deal of money for this home, and for the first time in years, we are no longer upside down on the mortgage because we make extra payments every year and the property value has increased.

This morning, before posting this, I filed complaints with ever possible channel I could find; Consumer Financial Protection Bureau, FDIC, Federal Reserve, State Attorney General, FTC, and a few others. The purpose of me posting this was to share my story, get suggestions from the wonderful people in my circles, and use this to gain whatever media exposure I could now before it gets worse later. I am afraid that if I waited any longer, it would only get worse.

On a side note, I also requested that my PMI was removed from my payment since I meet the criteria, and was told that they will not take my current value, payments, or length of time under consideration. This would have saved me over $150 per month. PMI is a rip off, and unnecessary because I meet the qualifications to have it removed.
Thank you all for the suggestions and support. I have tried to thank everyone that reshared this, but it is difficult to get to everyone. I appreciate your support.
 
 

Bitcoin Black Friday













Mark your calendars -- this holiday season is the first ever Bitcoin Black Friday, an online shopping and charitable giving extravaganza just for Bitcoin users. On November 29th, hundreds of merchants selling everything from airline tickets to unlocked smartphones to coffee to VPNs to underwear will offer special deals to anyone paying in Bitcoin. Visitors will also have the opportunity to donate bitcoins to a variety of worthy charities and nonprofits.
Bitcoin is an amazing new technology, but because it challenges established industries, it will face serious political opposition--especially in the U.S. where those industries are strongest. Bitcoin will only be safe once millions of people rely on it every day.
This holiday season, we need your help to protect Bitcoin and make November 29th go down in history as the first ever Bitcoin Black Friday! 
Here’s how to participate:
1) Join the thunderclap to help spread the word!
2) If you sell stuff online, start accepting bitcoin and sign up to list your deal.
3) If you don’t have bitcoins yet, get some! It’s easy. We tell you how here.
Bitcoin Black Friday is being organized by Jon Holmquist and Fight for the Future, and is backed by a solid circle of Bitcoin believers. 


Source:

Bitcoin Black Friday

Happy Thanksgiving 2013




‘¡Feliz Día de Acción de Gracias!’

‘Jour de l’Action de grâce’

‘Feliz (dia de) acção de graças’

‘Wszystkiego najlepszego z ozkazji Święta Dziękczynienia’

‘God Helgdag’

‘Fröhliche Danksagung’

‘Vrolijke gedenkdagen’

‘Glædelig Helligdag’

感恩節快樂 [感恩节快乐]

感謝祭おめでとう



Wednesday, November 27, 2013

Look To Russia To Understand Food Freedom: In 2011 The Dacha Gardens of Russia Produced 40% of the Nation's Food.

Through Russia, Cayce said “comes the hope of the world. Not in respect to what is sometimes termed Communism or Bolshevism — no! But freedom — freedom! That each man will live for his fellow man. The principle has been born there. It will take years for it to be crystallized; yet out of Russia comes again the hope of the world.”

In 2011 the dacha gardens of Russia produced 40% of the nation's food.

 

40% of Russia's Food is from Dacha Gardens


While many in the world are completely dependent on large scale agriculture,
the Russian people feed themselves. Their agricultural economy is small scale,
predominantly organic and in the capable hands of the nation's people.
 
Russians have something built into their DNA that creates the desire to grow their own food.
It's a habit that has fed the Russian nation for centuries. It's not just a hobby but a massive
contribution to Russia's agriculture.
 
In 2011, 51% of Russia's food was grown either by dacha communities (40%),
like those pictured left in Sisto-Palkino, or peasant farmers (11%) leaving the rest (49%)
of production to the large agricultural enterprises. But when you dig down into the earthy data
from the Russian Statistics Service you discover some impressive details. Again in 2011,
dacha gardens produced over 80% of the countries fruit and berries, over 66% of the
vegetables, almost 80% of the potatoes and nearly 50% of the nations milk, much of it
consumed raw.
 
While many European governments make living on a small-holding very difficult,
in Russia the opposite is the case. In the UK one councillor's opinion regarding living
on the land was, "Nobody would subject themselves to that way of life.
You might as well be in prison"; tell that to a nation of gardeners living off the land.
 
    
During the communist period school children were obliged to visit their local farms to get
hands-on experience harvesting food (below left) at a time when about 90% of the nation's
food came from dacha gardens. During the same period every child would be expected to
play their part in growing the family's food from their small patch of Russia.
 
While the percentage of food grown by Russia's dacha has fallen since then it is still a
massive contribution to the nation's food and forms an important part of their rural heritage.
Take a walk through the street's of Russia's cities, like St. Petersburg, and you will find people
selling herbs, fruit, berries and vegetables from their dacha gardens. Unlike many cities in
Europe and the USA, Russian cities are peppered with small corner shops (below right) selling
locally grown food in all shapes, colours and sizes still carrying their native Russian soil.    

If you were to visit a typical Russian dacha you're likely to be greeted with a welcoming dish
called okroshka (below centre), a refreshing cold soup made from home grown cucumber,
radish, spring onion, fresh dill and parsley all swimming in kvas (a home made rye bread
drink) with sour cream or kefir.

Source:

Natural Homes

To find out what has motivated Russians to return tio the land, please click on the link below:

Ringing Cedars Of Russia Website



 

Monsanto, the TPP, and Global Food Dominance by Ellen Brown


Source:     http://fengshuiserenity.blogspot.se/2013/03/new-england-town-declares-food.html

Monsanto, the TPP, and Global Food Dominance

by Ellen Brown
Global Research Canada,   26 November 2013

“Control oil and you control nations,” said US Secretary of State Henry Kissinger in the 1970s.  “Control food and you control the people.”
Global food control has nearly been achieved, by reducing seed diversity with GMO (genetically modified) seeds that are distributed by only a few transnational corporations. But this agenda has been implemented at grave cost to our health; and if the Trans-Pacific Partnership (TPP) passes, control over not just our food but our health, our environment and our financial system will be in the hands of transnational corporations.
Profits Before Populations
Genetic engineering has made proprietary control possible over the seeds on which the world’s food supply depends. “Terminator” genes enable the production of sterile seeds, using a synthetic chemical catalyst appropriately called “Traitor” to induce seed sterility. Farmers must therefore buy seeds from their patent owners year after year. To cover these costs, food prices are raised; but the harm is far greater than to our pocketbooks.
According to an Acres USA interview of plant pathologist Don Huber, Professor Emeritus at Purdue University, two modified traits account for practically all of the genetically modified crops grown in the world today. One involves insect resistance. The other, more disturbing modification involves insensitivity to glyphosate-based herbicides (plant-killing chemicals). Often known as Roundup after the best-selling Monsanto product of that name, glyphosate poisons everything in its path except plants genetically modified to resist it.
Glyphosate-based herbicides are now the most commonly used herbicides in the world. Glyphosate is an essential partner to the GMOs that are the principal business of the burgeoning biotech industry. Glyphosate is a “broad-spectrum” herbicide that destroys indiscriminately, not by killing unwanted plants directly but by tying up access to critical nutrients.
Because of the insidious way in which it works, it has been sold as a relatively benign replacement for the devastating earlier dioxin-based herbicides. But a barrage of experimental data has now shown glyphosate and the GMO foods incorporating it to pose serious dangers to health. Compounding the risk is the toxicity of “inert” ingredients used to make glyphosate more potent. Researchers have found, for example, that the surfactant POEA can kill human cells, particularly embryonic, placental and umbilical cord cells. But these risks have been conveniently ignored.
The widespread use of GMO foods and glyphosate herbicides helps explain the anomaly that the US spends over twice as much per capita on healthcare as the average developed country, yet it is rated far down the scale of the world’s healthiest populations. The World Health Organization has ranked the US LAST out of 17 developed nations for overall health.
Sixty to seventy percent of the foods in US supermarkets are now genetically modified. By contrast, in at least 26 other countries—including Switzerland, Australia, Austria, China, India, France, Germany, Hungary, Luxembourg, Greece, Bulgaria, Poland, Italy, Mexico and Russia—GMOs are totally or partially banned; and significant restrictions on GMOs exist in about sixty other countries.
A ban on GMO and glyphosate use might go far toward improving the health of Americans. But the Trans-Pacific Partnership, a global trade agreement for which the Obama Administration has sought Fast Track status, would block that sort of cause-focused approach to the healthcare crisis.
Roundup’s Insidious Effects
Roundup-resistant crops escape being killed by glyphosate, but they do not avoid absorbing it into their tissues. Herbicide-tolerant crops have substantially higher levels of herbicide residues than other crops. In fact, many countries have had to increase their legally allowable levels—by up to 50 times—in order to accommodate the introduction of GM crops. In the European Union, residues in food are set to rise 100-150 times if a new proposal by Monsanto is approved. Meanwhile, herbicide-tolerant “super-weeds” have adapted to the chemical, requiring even more toxic doses and new toxic chemicals to kill the plant.
Human enzymes are affected by glyphosate just as plant enzymes are: the chemical blocks the uptake of manganese and other essential minerals. Without those minerals, we cannot properly metabolize our food. That helps explain the rampant epidemic of obesity in the United States. People eat and eat in an attempt to acquire the nutrients that are simply not available in their food.
Glyphosate’s inhibition of cytochrome P450 (CYP) enzymes is an overlooked component of its toxicity to mammals. CYP enzymes play crucial roles in biology . . . . Negative impact on the body is insidious and manifests slowly over time as inflammation damages cellular systems throughout the body. Consequences are most of the diseases and conditions associated with a Western diet, which include gastrointestinal disorders, obesity, diabetes, heart disease, depression, autism, infertility, cancer and Alzheimer’s disease.
More than 40 diseases have been linked to glyphosate use, and more keep appearing. In September 2013, the National University of Rio Cuarto, Argentina, published research finding that glyphosate enhances the growth of fungi that produce aflatoxin B1, one of the most carcinogenic of substances. A doctor from Chaco, Argentina, told Associated Press, “We’ve gone from a pretty healthy population to one with a high rate of cancer, birth defects and illnesses seldom seen before.” Fungi growths have increased significantly in US corn crops.
Glyphosate has also done serious damage to the environment. According to an October 2012 report by the Institute of Science in Society:
Agribusiness claims that glyphosate and glyphosate-tolerant crops will improve crop yields, increase farmers’ profits and benefit the environment by reducing pesticide use. Exactly the opposite is the case. . . . [T]he evidence indicates that glyphosate herbicides and glyphosate-tolerant crops have had wide-ranging detrimental effects, including glyphosate resistant super weeds, virulent plant (and new livestock) pathogens, reduced crop health and yield, harm to off-target species from insects to amphibians and livestock, as well as reduced soil fertility.
Politics Trumps Science
In light of these adverse findings, why have Washington and the European Commission continued to endorse glyphosate as safe? Critics point to lax regulations, heavy influence from corporate lobbyists, and a political agenda that has more to do with power and control than protecting the health of the people.
In the ground-breaking 2007 book Seeds of Destruction: The Hidden Agenda of Genetic Manipulation, William Engdahl states that global food control and depopulation became US strategic policy under Rockefeller protégé Henry Kissinger. Along with oil geopolitics, they were to be the new “solution” to the threats to US global power and continued US access to cheap raw materials from the developing world. In line with that agenda, the government has shown extreme partisanship in favor of the biotech agribusiness industry, opting for a system in which the industry “voluntarily” polices itself. Bio-engineered foods are treated as “natural food additives,” not needing any special testing.
Jeffrey M. Smith, Executive Director of the Institute for Responsible Technology, confirms that US Food and Drug Administration policy allows biotech companies to determine if their own foods are safe. Submission of data is completely voluntary. He concludes:
In the critical arena of food safety research, the biotech industry is without accountability, standards, or peer-review. They’ve got bad science down to a science.
Whether or not depopulation is an intentional part of the agenda, widespread use of GMO and glyphosate is having that result. The endocrine-disrupting properties of glyphosate have been linked to infertility, miscarriage, birth defects and arrested sexual development. In Russian experiments, animals fed GM soy were sterile by the third generation. Vast amounts of farmland soil are also being systematically ruined by the killing of beneficial microorganisms that allow plant roots to uptake soil nutrients.
In Gary Null’s eye-opening documentary Seeds of Death: Unveiling the Lies of GMOs,Dr. Bruce Lipton warns, “We are leading the world into the sixth mass extinction of life on this planet. . . . Human behavior is undermining the web of life.”
The TPP and International Corporate Control
As the devastating conclusions of these and other researchers awaken people globally to the dangers of Roundup and GMO foods, transnational corporations are working feverishly with the Obama administration to fast-track the Trans-Pacific Partnership, a trade agreement that would strip governments of the power to regulate transnational corporate activities. Negotiations have been kept secret from Congress but not from corporate advisors, 600 of whom have been consulted and know the details. According to Barbara Chicherio in Nation of Change:
The Trans Pacific Partnership (TPP) has the potential to become the biggest regional Free Trade Agreement in history. . . .
The chief agricultural negotiator for the US is the former Monsanto lobbyist, Islam Siddique.  If ratified the TPP would impose punishing regulations that give multinational corporations unprecedented right to demand taxpayer compensation for policies that corporations deem a barrier to their profits.
. . . They are carefully crafting the TPP to insure that citizens of the involved countries have no control over food safety, what they will be eating, where it is grown, the conditions under which food is grown and the use of herbicides and pesticides.
Food safety is only one of many rights and protections liable to fall to this super-weapon of international corporate control. In an April 2013 interview on The Real News Network, Kevin Zeese called the TPP “NAFTA on steroids” and “a global corporate coup.” He warned:
No matter what issue you care about—whether its wages, jobs, protecting the environment . . . this issue is going to adversely affect it . . . .
If a country takes a step to try to regulate the financial industry or set up a public bank to represent the public interest, it can be sued . . . .
Return to Nature: Not Too Late
There is a safer, saner, more earth-friendly way to feed nations. While Monsanto and US regulators are forcing GM crops on American families, Russian families are showing what can be done with permaculture methods on simple garden plots. In 2011, 40% of Russia’s food was grown on dachas (cottage gardens or allotments). Dacha gardens produced over 80% of the country’s fruit and berries, over 66% of the vegetables, almost 80% of the potatoes and nearly 50% of the nation’s milk, much of it consumed raw. According to Vladimir Megre, author of the best-selling Ringing Cedars Series:
Essentially, what Russian gardeners do is demonstrate that gardeners can feed the world – and you do not need any GMOs, industrial farms, or any other technological gimmicks to guarantee everybody’s got enough food to eat. Bear in mind that Russia only has 110 days of growing season per year – so in the US, for example, gardeners’ output could be substantially greater. Today, however, the area taken up by lawns in the US is two times greater than that of Russia’s gardens – and it produces nothing but a multi-billion-dollar lawn care industry.
In the US, only about 0.6 percent of the total agricultural area is devoted to organic farming. This area needs to be vastly expanded if we are to avoid “the sixth mass extinction.” But first, we need to urge our representatives to stop Fast Track, vote no on the TPP, and pursue a global phase-out of glyphosate-based herbicides and GMO foods. Our health, our finances and our environment are at stake.
Ellen Brown is an attorney, president of the Public Banking Institute, and author of twelve books, including the best-selling Web of Debt. In The Public Bank Solution, her latest book, she explores successful public banking models historically and globally. Her blog articles are at EllenBrown.com.
Source:
Global Research Canada