Browsed by
Tag: Fraud

Mortgage Fraud

Mortgage Fraud

Look into these home mortgage pictures:

Mortgage Scams
mortgage
< img alt="home loan"src="https://www.freecreditreportcompare.com/wp-content/uploads/2017/08/27039225343_9b685fa5d2.jpg"width="400"/ > Image by cafecredit Image by CafeCredit under CC 2.0 You can utilize this photo for FREE under Creative Commons permit. Make certain to provide correct writer acknowledgment to www.cafecredit.com. Thank you for respecting Creative Commons certificate. P.S. Required a lot more pictures such as this

? Examine out my flickr account page. Home mortgage Scams is when a borrower
misdirects a lender as well as misrepresents their information on a home loan paper. This kind of scams is done to attempt and obtain a bigger mortgage when the borrower could not really have the ability to pay for that financing. This is considered a crime.

Pixar Theory: Riley’s Mother Commits Credit Card Fraud?

Pixar Theory: Riley’s Mother Commits Credit Card Fraud?

< iframe width=" 425" height=" 355 "src=" https://www.youtube.com/embed/TWpONMCpSWE?rel=0 "frameborder= "0" allowfullscreen > Exactly what do you guys think? Who is K. Ann Anderson? Did Riley’s mum take the credit history card? Who do you believe the bank card
came from? Bonnie’s mum? I assume so at the very least! Thanks for viewing! For even more theories examine out my recently made Theory playlist! https://www.youtube.com/playlist?list=PLqSljPUjUo06XLyiJ997JYEe682jXyfje

Twitter – https://twitter.com/GormanSeamus
Instagram – https://instagram.com/seamusgorman4
Snapchat – seamusgorman4

#SeamusTalksAboutStuff

Right here is a very first video of me exploring the deep web. Please leave a like as well as subscribe for more video clips!

This is for instructional functions just. I do not pardon piracy, animal cruelty, charge card fraudulence, or anything else.
Video clip Rating:/ 5

Anatomy of Vehicle Lease Fraud

Anatomy of Vehicle Lease Fraud

I hope the economic downturn is not beating you up too badly. Obviously it’s taking its toll on several sectors of the economy, one of which is car dealers.

I would hope that car dealers will fight their way out of the downturn with ethical and honest sales and service, and undoubtedly some will. However, there will be those that will not, and will turn instead down the dark path of deceiving consumers. To prevent against these dealers and these deceptions, we offer the advice and insight as found on my blog and in several articles I have written for many publications.

One area of car dealer fraud that we continue to see quite a bit of involves fraud in car leases. Even with the credit crunch, dealers are still able to arrange for financing for car leases, and car leases are frequently more expensive for consumers, although they appear as less expensive on the surface.

The classic lease fraud is the “bait and switch,” where a consumer goes to a dealer to buy a car and believes he is buying a car, but is instead switched into a lease. Sometimes dealers will tell consumers that they need to sign up for a lease “for a short time” to let interest rates come down, or some other malarky, and promise to change the deal to a purchase deal “in a few weeks.” When the consumer returns “in a few weeks,” the salesperson who negotiated the lease with him is nowhere to be found and no one at the dealer has any interest in changing the consumer into the promised purchase transaction.

There are various reasons why dealers would prefer to put you into a lease as opposed to a purchase. For one thing, dealers often get larger incentive bonuses from the leasing companies to put consumers into a lease, so dealers frequently make more money from the lenders on leases. Same with the manufacturers: depending on what is going on with vehicle inventory, manufacturers will often give dealers incentives to put consumers into leases instead of purchases. Finally, lease contracts are confusing, permitting dealers to throw more curveballs into the lease which result in higher hidden fees and payments by the consumer.

Currently, as of today, GM sales are off by over 40% and Ford sales are off by over 30%. I do not know the current status of Chrysler sales, but it’s probably similar. GM and Ford are in a position where they, and their dealers, will do just about anything to move vehicles off the lot. As stated above, there are truthfully quite a few dealers who will respond to the current pressures with honest ways and means of promoting vehicle sales, but there are also those that will respond dishonestly.

I do have a few tips if you are concerned about being switched into a vehicle lease, or if you are confused as to whether you will be paying more for a lease than for a purchase. Here are a few tips and pointers:

1. Remember that, with a lease, you are not buying the car. You are borrowing it, or renting it, for a longer period of time, and a lease deal actually has much in common with renting a car. There are often hidden fees at lease end which can make a seemingly less-expensive lease actually cost you more. There are hidden fees for excess mileage and wear and tear to the vehicle. If you know you drive 25,000 miles a year, then your lease should reflect that you drive 25,000 miles a year. If you lease a vehicle with a lease allowance of 15,000 miles a year, you would be penalized severely at lease end for the additional 10,000 miles a year.

2. It would be virtually impossible to describe all of the ways in which a lease can be more expensive than a purchase. First and foremost, you are buying nothing other than the use of the vehicle for a period of time within certain mileage limits, nothing more. You are not buying any ownership interest in the vehicle. Right then and there, a lease is usually more expensive because you have no trade-in at lease end. Many consumers are confused because they believe they can trade in a lease at lease end and receive credit, as if they owned the vehicle. This is not true.

3. At lease end, if you have any outstanding obligation on the lease (mileage penalty, condition penalty, unpaid lease payments), these are often rolled into your next vehicle purchase or lease. Watch your contract carefully to make sure that you get a fair deal on your next purchase or lease.

4. I recommend to all of my clients that they not sign anything on the spot at the dealership. Take the lease or purchase contract home and digest it overnight. Discuss it with a friend or a spouse. Go over it more than once. If consumers took this step alone and nothing more, they would likely avoid much of the fraud and monkey business at dealers because they would not be signing documents in a pressurized situation, after having been worn down by hours at the dealership.

If you, or your friends, have any further questions on leases and the potential for lease frauds, please do not hesitate to contact us. And, if you have been cheated on a lease, please consider us for your attorneys to resolve the situation.

Robert F. Brennan, Esq. is a principal with Brennan, Wiener & Associates, an AV-rated law firm in La Crescenta, CA.  His firm specializes in consumer protection litigation, including lemon law, car dealer fraud and consumer class actions.  He can be reached through his website:http://socallemonlaw.com

Find More Consumer Fraud Articles

Credit Card Fraud Rising in Online Shopping

Credit Card Fraud Rising in Online Shopping

< iframe width="425" elevation="355" src="https://www.youtube.com/embed/D5dN1JgpeCo?rel=0" frameborder="0" allowfullscreen > Using taken bank card on the web is increasing, as lawbreakers make even more deceptive purchases online to bypass more stringent in-person retail safety and security procedures. WSJ’s Lee Hawkins explains.

Subscribe to the WSJ channel below:
http://bit.ly/14Q81Xy

A lot more from the Wall surface Road Journal:
Go to WSJ.com: http://www.wsj.com

Adhere to WSJ on Facebook: http://www.facebook.com/wsjvideo
Adhere to WSJ on Google+: https://plus.google.com/+wsj/posts
Adhere to WSJ on Twitter: https://twitter.com/WSJvideo
Follow WSJ on Instagram: http://instagram.com/wsj
Follow WSJ on Pinterest: http://www.pinterest.com/wsj/

Stay protected from credit fraud while booking holiday tickets online

Stay protected from credit fraud while booking holiday tickets online

With the upcoming holidays, people are very busy booking their flights and paying for their travel arrangements. Online reservation and payment of flights is the most preferred method by vacationers because of its convenience. However, many identity thieves take advantage of these processes and use them to commit credit fraud. You can prevent credit card fraud by following certain preventive steps.

1. Book your tickets at reputable Web sites.

Most people are attracted to seat sales and discounted flight tickets. These are usually offered in conjunction with hotel reservation and tour packages. Always double and triple check before making a payment for these types of offers, so that you don’t fall victim to a bogus trip. To prevent online booking fraud, you should be critical in assessing whether or not the website offering this promo is genuine. If the travel website is new to you, you should do a thorough research online regarding the travel website’s authorization to sell airline tickets and travel packages.

2. Make payments over secure sites only.

When it’s time to pay for your booked flights, you are usually redirected to a secure online payment form. There are three important indicators that a Web page is secure. This page should contain a lock icon in your browser’s window frame located at the right side. The web address or URL of the webpage should also start with https, in which “s” stands for “secure.” (In some browsers, the color of the security status bar changes to green when a website has updated security features.

3. Sign out of websites where you logged in.

When you log on to a website, make sure you log out each time. This is very important, especially when you register confidential details. Never think that closing a browser is enough to remove all traces of your login information. When you pay for your booked tickets online, you usually use your credit card. Thus, after paying for your holiday tickets, sign out of the website and clear the browser cookies and cache. This can help prevent credit card fraud.

4. Don’t reply to emails asking for your credit card details.

Phishing is a common technique for online fraudsters to steal your information. In line with the holidays, they may pose as an online booking company asking for your credit information and verification to change your flight details. Never reply to these emails.

5. Update your anti-virus and anti-spyware programs.

Before booking your flights, make sure that your anti-virus and anti-spyware programs are updated. Anti-spyware programs protect from credit fraud by preventing the installation of malwares that can spy your computer activities, thus protecting any credit card information that you’ve entered into online forms.

6. Keep receipts for online ticket payments and review billing statements.

Make a habit of saving a copy of the online payments you made for your holiday tickets. This way, you can check if the correct amount was charged to your card. You can compare this with the payment reflected in your credit card statement to spot for discrepancies and ensure that no fraud occurred after the booking.

Amy is an active blogger who is fond of sharing interesting finance related articles to encourage people to manage and protect their finances. She also covers topics on data breach and steps to prevent credit fraud when shopping online that can help people prevent their credit & avoid financial losses.
Credit score Fraud Protection – Obtain The most effective Credit scores Fraud Security

Credit score Fraud Protection – Obtain The most effective Credit scores Fraud Security

credit fraud
by www.ruffrootcreative.com In order to remain risk-free from all the
rip-offs and also scams nowadays, you need to have a reputable and also genuine credit report fraud defense program to protect your interest.Credit fraud protection solutions are necessary for securing against
any kind of harmful tasks that could be done by obtaining access to your credit score card or bank information. Usually customers are frequently notified about such details when its far too late. The data can likewise be openly gathered from credit rating companies that offer precise reports, which illustrates all the facts. Typically, you have to wait on 3 months to get access to your credit rating report, but if you make use of a credit rating fraudulence
protection solution; you will be able to inspect your credit standings 24-HOUR a day, as well as would be alerted in instance any type of tries to access your details.Services and info offered by each of the credit fraud security firm will be various, so it is essential to compare the type of info that is offered in return for what is just what you require. Some firms could give accessibility to all 3 of the credit rating agencies, while others might not. It is necessary to recognize that how the outcome are utilized by even more

banks and also borrowing authorities on the basis of credit report decisions. It takes time and money to recognize any unlawful activities that have been done without the knowledge of the person. Consequently, care needs to be taken when choosing a credit scores scams protection service, because tracking can be of various types relative to each provider. You must evaluate each credit rating security service with respect to their benefits as well as constraints, in order to identify the option that fulfills your demands as well as budget.in some instances, credit history fraud defense firms as well as monitor the internet, devices and also calculators in order to help you establish the impact of monetary losses. As an example, if you pay the cars and truck lending, you do not have an influence on the level of your credit report. If you repay your mortgage, it does not affect your credit score. Attempting to enhance your credit history as well as the registration of these devices can be actually useful in for a much better economic future, which could anticipate the decision that will result in a better level of boost in your credit score. The service should be effective in protecting as well as protecting all personal data and your credit rating standing, or otherwise it will not offer its designated objective. If you use this option,
you will truly take advantage of it. Additionally, some companies might update your credit score each day, while others may be less frequent upgrading of the timetable. It is necessary to examine the firm as well as the solutions it gives making sure you get the most effective worth to fulfill your needs. Credit scores fraud security is a really useful solution that can used for tracking of your debt records, and also to avoid any kind of opportunity of identity theft; as well as also provides defense against debt fraudulence. Discover More Credit report Fraud Articles

Nice Charge Card Fraud pictures

Nice Charge Card Fraud pictures

Consider these credit card fraudulence images:

The NATIVES are RESTLESS.
bank card fraud
Image by eyewashdesign: A. Golden
New Yorkers Protest the US0 BILLION (US TRILLION) Wall Street BAILOUT: Wall Street, NYC – September 25, 2008

Phototgrapher: a. golden, eyewash design – c. 2008.

Friends,

The wealthiest 400 People in the us — that’s right, simply four-hundred folks — very own above the underside 150 million People in america COMBINED! 400 associated with the wealthiest Americans have much more stashed away than half the entire country! Their combined net worth is .6 trillion. During the eight years of the Bush Administration, their particular wealth has increased by nearly 0 billion — exactly the same amount they had been demanding We give all of them for "bailout." Why don’t they just spend cash they made under Bush to bail themselves out? They’d have almost a trillion bucks left to distribute amongst on their own!

Obviously, they are not going to do that — at the very least not voluntarily. George W. Bush was given a 7 billion surplus whenever Bill Clinton left office. For the reason that it money was the money rather than HIS, he performed just what the rich would like to do — invest it and not look right back. Now we have a .5 trillion debt that will simply take seven years that to recover. Why — on –earth – did — our — "representatives" — give — these — robber — barons — $US850 BILLION — of – OUR — cash?

The other day, proposed my own bailout program. My recommendations, given below, had been centered on the singular and easy belief your wealthy must pull on their own up by unique platinum bootstraps. Sorry, fellows, however you drilled it into our minds one too many times: THERE…IS…NO…FREE… LUNCH ~ STAGE! And thank you for encouraging united states to hate men and women on benefit! Therefore, there needs to have already been NO HANDOUTS FROM US FOR YOU! Final Friday, after voting AGAINST this BAILOUT, in an unprecedented change of activities, the House FLIP-FLOPPED their particular "No" Vote & stated "Yes", pretty quickly form of a "bailout" costs vote. NOTWITHSTANDING INDIVIDUALS’S OVERWHELMING DISAPPROVAL FOR THIS BAILOUT BILL… NOTWITHSTANDING AN INCREDIBLE NUMBER OF CALLS THROUGH THE ANYONE CRASHING WASHINGTON "representatives’" PHONE LINES…IN SPITE OF CRASHING OUR POLITICIAN’S WEBSITES…IN SPITE OF THOUSANDS AND THOUSANDS OF PEOPLE PROTESTING AROUND THE COUNTRY… THEY VOTED WITH THIS BAILOUT! The People first been successful on Monday with the home, but failed get it done using the Senate after which THE HOME TURNED-ON US TOO!

Its clear, however, we cannot simply continue protesting without proposing exactly what it is we think THESE IDIOTS should/’ve do/one. Therefore, after talking to many people smarter than Phil Gramm, here’s the suggestion, now-known as "Mike’s Rescue Plan." (From Michael Moore’s Bailout Arrange) This has 10 quick, simple points. They have been that you DIDN’T, BUT SHOULD’VE:

1. APPOINTED AN UNIQUE PROSECUTOR TO CRIMINALLY INDICT ANYBODY ON WALL STREET Just who KNOWINGLY CONTRIBUTED TO THIS COLLAPSE. Before any brand-new cash had been expended, Congress should have dedicated, by quality, to CRIMINALLY PROSECUTE anybody who had ANYTHING to do with all the tried SACKING OF YOUR ECONOMY. This means anybody who committed insider trading, securities fraud or any activity that assisted cause this collapse needs and MUST GO TO JAIL! This Congress NEED needed a unique Prosecutor who does vigorously pursue everybody whom developed the mess, and other people who tries to con people in future. (i love Elliot Spitzer ~ therefore, he played only a little hanky-panky…Wall Street dislikes him & this is a GOOD thing.)

2. THE RICH SHOULD HAVE COVERED THEIR PARTICULAR BAILOUT! They might must live in 5 houses as opposed to 7. They may need certainly to drive 9 vehicles as opposed to 13. The chef because of their mini-terriers might have to be reassigned. But there is however no way in hell, after forcing household incomes going down significantly more than ,000 bucks during the Bush many years, that employees plus the middle-income group needs to fork over one dime to underwrite the following boat purchase.

If they really needed the 0 billion they say they required, really, listed here is a good way they might have raised it:

a) Every few makeing over a million bucks annually and every single taxpayer just who makes over 0,000 per year should spend a 10percent surcharge taxation for five years. (oahu is the Senator Sanders program. He’s like Colonel Sanders, just he’s out to fry the right birds.) That means the wealthy will have however been paying less income-tax than when Carter ended up being president. That would have raise an overall total of 0 billion.

b) Like virtually every various other democracy, they should have recharged a 0.25% tax on every stock deal. This would have raised significantly more than 0 billion in annually.

c) Because every stockholder is a patriotic American, stockholders needs forgone obtaining a dividend check for ONE quarter and rather this money would have gone the treasury to help buy the bullsh*t bailout.

d) 25per cent of significant U.S. corporations at this time pay NO federal income-tax. Federal corporate tax incomes presently amount to 1.7per cent regarding the GDP when compared with 5% in 1950s. If we increased the organization tax back again to the levels associated with the 1950s, this will give us a supplementary 0 billion.

All of this combined needs to have already been enough to end the calamity. The rich could have reached hold their particular mansions and their particular servants and our usa government ("COUNTRY FIRST!") would’ve have just a little leftover to repair some roads, bridges and schools…

3. YOU NEED TO HAVE BAIL OUT THE INDIVIDUALS LOSING THEIR HOMES, NOT INDIVIDUALS WHO CAN BUILD AN EIGHTH HOME! You will find 1.3 million homes in property foreclosure today. That’s what exactly is in the middle of this issue. Therefore, rather than giving the money on banking institutions as a gift, they need to have reduced every one of these mortgages by 0,000. They need to have required the banking institutions to renegotiate the home loan and so the homeowner could spend on its existing worth. To guarantee that this assistance won’t go to speculators and people just who tried to earning money by turning houses, the bailout need only been for folks’s major residences. And, in substitution for the 0K pay-down regarding the present home loan, the us government would have gotten to share in the holding of home loan so that it could get a number of its money back. Therefore, the full total initial cost of repairing the home loan crisis at its roots (instead of using the money grubbing loan providers) is 0 billion, not 0 BILLION.

And let us set the record right. Individuals who have defaulted to their mortgages aren’t "bad risks." They truly are our fellow People in america, and all they wanted had been everything we all desire: a house to phone their very own. But, during Bush years, countless the People lost the decent paying jobs that they had. SIX MILLION dropped into impoverishment! SEVEN MILLION lost their own health insurance coverage! And, each one of all of them saw their particular genuine earnings drop by ,000! People who DARE look down upon these People in the us who got struck with one bad break after another should be ASHAMED.! We are a significantly better, stronger, safer and happier community whenever our people can afford to call home in a home they possess.

4. AVAILABLE NEED BEEN A STIPULATION THAT IF THE BANK otherwise BUSINESS GOT ANY OF your MONEY IN A "BAILOUT," SUBSEQUENTLY WE personal YOU. Sorry, that’s how it’s done. In the event that bank offers myself money therefore I can purchase a house, the lender "owns" that household until I spend all of it right back — with interest. Exact same deal for Wall Street. Whatever cash you will need to remain afloat, if our federal government considers you a secure risk — and necessary for the great for the country — then you can certainly get financing, but WE HAVE TO OWN YOU. In the event that you default, we’ll sell you. This is one way the Swedish federal government did it and it also worked.

5. ALL REGULATIONS NEEDS TO HAVE BEEN BE RESTORED. THE REAGAN TRANSFORMATION IS DEAD! This disaster happened because we allow fox have the secrets to the hen-house. In 1999, Phil Gramm authored a bill to eliminate most of the laws that governed Wall Street and our banking system. The bill passed and Clinton signed it. This is what Sen.Phil Gramm, McCain’s main economic consultant, stated during the costs signing:

"inside 1930s … it was believed that federal government ended up being the answer. It absolutely was thought that security and development originated from federal government overriding the functioning of free areas.

"Our company is here today to repeal [that] because we have discovered that federal government isn’t the answer. We now have discovered that freedom and competition would be the answers. We’ve learned that we advertise financial development and we also advertise stability with competition and freedom.

"i will be happy is right here since this is an important bill; it really is a deregulatory bill. I think that that is the trend for the future, and I also in the morning awfully pleased to have already been an integral part of rendering it possible."

WITH THIS NOT TO EVER REOCCUR, This BILL NEEDS BEEN REPEALED! Bill Clinton could have aided by leading the time and effort for repeal regarding the Gramm bill plus the reinstating of even tougher regulations regarding our banking institutions. And when they certainly were completed with that, they should have restored the regulations for the airlines, the assessment of our meals, the oil industry, OSHA, and every various other entity that affects our everyday resides. All oversight provisions for almost any "bailout" must have had enforcement monies attached with them and criminal penalties for all offenders.

6. IF IT IS TOO-BIG TO FAIL, NEXT MEANING IT REALLY IS TOO LARGE TO EXIST! Allowing the creation of these mega-mergers and never implementing the monopoly and anti-trust guidelines has actually allowed some financial institutions and corporations to become therefore big, the very considered their particular failure indicates an even bigger failure across the whole economic climate. No body or TWO businesses should EVER have this energy! The so-called "economic Pearl Harbor" cannot happen if you have hundreds — thousands — of institutions where people have their money. Once we have twelve car businesses, if one goes belly-up, we DON’T FACE A NATIONAL DISASTER! If we have actually three separately-owned day-to-day newspapers in your town, the other news organization cannot call all shots (I’m sure… What are We thinking?! Just who checks out a paper anymore? Sure glad those mergers and buyouts left us with a stronger and "FREE" press!). Laws Should have been enacted to prevent businesses from becoming therefore huge and prominent by using one slingshot on eye, the MONSTER FALLS and DIES. With no establishment should-be permitted to setup cash systems that NO-ONE understands. If you cannot explain it in 2 sentences, avoid being using anyone’s money!

7. NO EXECUTIVE SHOULD EVER BE PAID SIGNIFICANTLY MORE THAN 40 TIMES THEIR TYPICAL WORKER, AND NO EXECUTIVE SHOULD GET ANY VARIETY OF "PARACHUTE" BESIDES THE GENEROUS SALARY SHE OR HE MADE WHILST EMPLOYED BY THE ORGANIZATION. In 1980, the average American CEO made 45 times exactly what their workers made. By 2003, they were making 254 times exactly what their staff made. After 8 years of Bush, they today make over 400 times just what their normal staff member tends to make. Exactly how we have actually allowed this to take place at publicly held businesses is beyond explanation. In Britain, the common CEO makes 28 times just what their typical worker tends to make. In Japan, it is only 17 times! The last I heard, the CEO of Toyota had been residing the high life in Tokyo. How does he get it done on therefore small money? Seriously, that is an OUTRAGE! We have developed the mess we’re in by letting the folks at the very top become swollen past belief with huge amount of money. IT’S TO QUIT! Not just should no administrator just who receives help of the mess benefit from it, but any exec who had been responsible for operating their company in to the floor must be FIRED ahead of the business gets ANY help.

8. CONGRESS NEEDS STRENGTHENED THE FDIC AND MADE IT A MODEL FOR PROTECTING NOT JUST PEOPLE’S SAVINGS, AND THEIR PENSIONS AND THEIR HOMES. Obama had been proper to propose growing FDIC defense of men and women’s cost savings inside their financial institutions to 0,000. But, this same kind of federal government insurance coverage must be provided to our never need to concern yourself with set up cash they’ve put away for later years will likely be truth be told there. This will have meant rigid government supervision of companies which manage their staff’ resources — or maybe it indicates the firms need already been obligated to turn over those resources and their management into government? Individuals personal pension funds should be safeguarded, but maybe it’s time to think about lacking your your retirement dedicated to the casino referred to as currency markets??? Our government needs a solemn responsibility to ensure that no-one which expands old within nation needs to bother about becoming destitute.

9. EVERYONE HAS TO TAKE A BREATH, CALM DOWN, AND NOT allow WORRY RULE A SINGLE DAY. Switch off your TVs! We have been never within the Second Great Depression. The sky is certainly not dropping, Chicken Little! Pundits and politicians have actually lied to us therefore FAST and FURIOUS it really is hard not to ever be afflicted with most of the fear mongering. Also I blogged to and repeated the thing I heard from the development a week ago, your Dow had the largest 1 day drop with its record. Well, that was real with regards to points, but its 7% drop came nowhere close to Black Monday in 1987 whenever currency markets in one time destroyed 23percent of their value. In ’80s, 3,000 financial institutions closed, but America didn’t walk out business. These organizations have always had their particular pros and cons and eventually it really works out. It has to, due to the fact rich hate their wide range becoming disturbed! They’ve a vested fascination with calming things down and having back into their Jacuzzis before they slip into their particular million thread-count sheets to drift off to a peaceful, Vodka tonic and Ambien-induced slumber.

As crazy as things are at this time, tens of thousands of folks got car finance a week ago. Thousands went to the lender and got a home loan purchase property. Pupils simply back into university discovered finance companies significantly more than pleased to put them into hock for the following 15 years with a student-based loan. I happened to be also pre-approved for a USK unsecured loan. Yes, life moved on with little-or-no-change (aside from the whopping 6.1percent jobless rate, but that took place last thirty days). Maybe not a single individual lost any one of his or her monies in bank, or a treasury note, or perhaps in a CD. And, the perhaps the many amazing thing is that the United states public FINALLY didn’t buy the scare promotion. The people didn’t blink, instead telling Congress to take that bailout and shove it. THAT was impressive. The reason why don’t the populace succumb into fright-filled warnings from their particular president along with his cronies? Well, it is possible to just state ‘Saddam has got the bomb’ many times prior to the men and women realize you’re a lying sack of shit. After eight lengthy years, the world is exhausted and can’t take it any longer. The entire world is frustrated & I do not blame them.

10. THEY NEED TO GET CREATED A NATIONAL BANK, A "PEOPLE’S BANK." Because they’re actually itching to print up a trillion dollars, in the place of providing it to a few rich men and women, we will give it to ourselves? Since We own Freddie and Fannie, why don’t you put up a People’s bank? One that provides low-interest financial loans for several types of individuals who desire to obtain a house, begin a small business, go to school, develop the remedy for disease or produce the next great innovation. And, since we possess AIG – the united states’s largest insurance provider – let’s make the alternative and PROVIDE HEALTH INSURANCE FOR ALL. MEDICARE FOR SEVERAL! It will SAVE YOURSELF us SUCH MONEY in the long term (and bring reassurance to all the). And, The united states will not be twelfth on the life span record! We will have the ability to have a longer lifespan, taking pleasure in our government-protected retirement and certainly will stay to begin to see the day when the corporate criminals just who caused anywhere near this much misery are let-out of jail so that we could assist re-acclimate them to plain old ordinary, civilian life — a life with ONE nice house and another gas-free vehicle created with assistance from the People’s Bank.

P.S. Call your Senators today !!! —> www.visi.com/juan/congress/

Because they voted against passing the extension of jobless advantages and skipped out to "campaign" to united states becoming re-elected…call them and tell them you’ll vote when it comes to other "guy" when they aren’t getting their particular act collectively!

—————————————————–

MODIFY: THE PEOPLE OWN VOTED! A HISTORIC MINUTE: NOVEMBER 4th 2008!

——> THE Historic ELECTION <——

"A work in PROGRESS."

Nov. 4th, 2008.

Outstanding US leader once stated, "As individual fingers We can be easily broken. But TOGETHER We make a mighty fist." These words also were spoken by a minority leader. He was the venerable Chief Sitting Bull. No, Barack Obama’s not the initial US minority to speak eloquently and he most definitely defintely won’t be the very last. Though, ultimately, this election was not also close !!! The whole world watched because, "YES WE COULD!" changed into, "YES WE DID!" whilst today ushers in, "YES WE MUST!" time happens to be!

Everything we do using this minute shall establish US, forthright. America has elected a man with a back ground of partial African – US lineage as president-elect. An innovative new leader with roots from Kenya to Kansas (with a step-father from Indonesia), is going to be doing work in combination with a vice-Presidential of Anglo-European roots. This can be anything which citizens of races – both right here and globe ’round – have loudly REJOICED. Why explore competition? Is competition essential? Without a doubt! Because – enjoy it or perhaps not – race has actually ruled and governed our everyday resides for thousands of years. Most likely: "To know in which we are going, we ought to initially know in which We’ve been".

We’ve advanced significantly baby! The thing that was when "acceptable" in 1965 is no longer in 2008 and LUCKILY.

This really is an altering of shield. Particularly since forty-percent of America’s populace is known as is a "minority". Only four generations eliminated, the repression of African slaves by Anglo Saxons caused thousands and thousands of brothers to kill brothers in a viscous and bloody fight that changed the basic principals with this Constitutional Republic from rhetoric to reality. This too was an important changing of this guard.

For the first time inside history of the country, the ancestors of the exact same those who therefore passionately battled for slavery have now OVERWHELMINGLY voted for a minority leader. This too ushers in an innovative new part in reputation for The united states. This really is a huge nod to those great US frontrunners before Us which risked everything so that We discover ourselves at this precise moment in time. We must give thanks to these people just who both tirelessly and unselfishly gave their lives to mix and to help shatter the racial, intimate and personal boundaries imbued when you look at the reputation for the usa of The united states.

It offers today occurred. There’s a palpable renewed sense of HOPE for a much better the next day – a HOPE that these same crippling boundaries shall finally forever be erased. Yet it is wise to don’t forget the adage, "Actions talk louder than words" and Our rhetoric must now be converted into activity. The capacity to truly rise above differences also to not only talk about performing this, tells most of Our lengthy and continuous journey. If We remember the old united states Indian saying, "We cannot inherit the earth from our ancestors, we borrow it from our children." We possibly may only have a fighting possibility.

The folks have spoken! A record-setting 130 million Us americans’ turned out to vote in Tuesday’s election, which Barack Obama made history on a Democratic tidal revolution of triumph. Polling recommends voters arrived on the scene in record figures considering growing issues on the economy, tasks, health care, energy, plus the war in Iraq.

Clearly, the national government and the new Democratic vast majority in Washington have actually the opportunity to make serious alterations in Our life – stretching ­from Wall Street to principal Street. Yes, this moment reveals decency about real human chance and let us face it, We could use just a little decency NOW.

Perhaps more importantly, this minute talks volumes as it’s a complete getting rejected regarding the right’s politics of concern and greed? It’s going to today be decades before there’s another Republican bulk in Congress. Do not have the text, "Ask perhaps not what Your country may do obtainable, exactly what you certainly can do for Your nation," felt much more real for MANY. For, We-Are-Our-country. And We’re at a MAJOR crossroads. In which, oh how to start?

OBAMA / BIDEN Venture.

In New York, Operating households voters, users, affiliates, supporters and part frontrunners poured everything that they had into important promotions that proved successful. The majority are today understandably fatigued – though above somewhat proud of that which was accomplished. And, the results had been terrific ~ if you don’t downright Historic. The very first time since the mid-1930, their state Senate will not be managed by Republicans. It is today in the possession of of a Democratic Operating people vast majority! Just-take-one-moment-and-soak-this-in. MASSIVE Democratic majorities both in the HOUSE in addition to SENATE!

Collectively, the W.F.P built an excellent cooperation with Senate Democrats, slamming on more than half a million doorways for progressive CHANGE. And, in the long run, "We the People" overwhelmingly responded. This really is a MILESTONE. There’s now a renewed feeling of genuine HOPE resonating from Washington, indeed, worldwide. This might be powerful. Because, without HOPE, there is merely absolutely nothing to get.

However, we ought to be careful not to fall victim to disillusionment. If illusions tear folks asunder, after that disillusion outright kills the human spirit. This basically means, split THEY conquer, united, WE stand. That historic moment had been ushered in during local American Indian thirty days is apropos. Because, we should not forget the real foundations with this idealistic nation and spend homage to your 500 plus year fight of Our very first Peoples’ when it comes to standard liberties afforded them within own Constitution. Obama’s success is definitely a victory representing the multitudes. It’s precisely because his success mirrors the public, versus a couple of rich, power-elite that this is so electrifying. A VERY palpable, "Finally!" ended up being the expression heard ’round the whole world.

The planet woke up WEDNESDAY using genuine potential for a rather RARE OPPORTUNITY – ideal in most Our lifetimes. This might be a chance to really transform The united states.

But, we shouldn’t your investment VERY hard realities existing in this country. Simply ask any woman…any "person of color"…or, any First Peoples living in this "great" land. For, as long as Native United states Indians inside our country still are now living in policies of containment on bookings with no very rules, particularly running liquid, electrical energy, or temperature… as long as more than 75percent associated with the prison populace includes African-Americans, First and Taino Peoples …as lengthy even as we continue steadily to enable Our income tax dollars spent to-be three times more per among these prisoners per head than on our personal school childrens’ training…as long as United states women continue to earn less than guys for similar work…as long once we allow privately held corporations to exist without extreme POPULAR reform…as very long as We consistently allow our kids to trample on foreign earth to kill and be killed in "Our" names…as long once we sit idly by expecting or content to allow others to "Do the right thing," for people… as long as We DON’T ACTIVELY PARTICIPATE TOGETHER in challenging and battling for the personal WELL-BEING when it comes to improvement of future generations… as long as We choose to remain ignorant as well as in denial to your faults…TRUE CHANGE can, and certainly will NEVER HAPPEN.

Though, like everything rare and special, we should very first simply take correct time and energy to Honor…to offer because of those before united states whom, without their particular dedication and give up, made this moment possible. We should come together. Immediate formulation and a real want to guard and protect this moment with intense dedication is necessary. New leaders are required and can emerge therefore we assure moments similar to this get to be the norm, versus only token fluke. Whenever we aspire to transform Tuesday’s outcomes into a real break through the shipwreck quite instant last thirty many years – we ought to begin by recognizing this election presents just that – a-start. It really is Round our LONG and CONTINUOUS fight.

And, Round Two will undoubtedly be just as tough, or even more so. Staying the program can easily be forgotten when individuals are dying from inadequate health care; if they’ve found on their own on roads for insufficient refuge so when they develop more and more desperate as a result of decreased work possibilities. Only ask folks of Native or African US descent. Or, one of Our homeless veterans residing on America’s streets of plenty.

Indeed, the home of cards has actually dropped hard-and-fast. And, President / V.P. elect Barack Obama and Joe Biden have passed down numerous apparently insurmountable difficulties. REAL CHANGE – not rhetoric – is what’s required. And also to obtain it, we should need it. We MUST march and get watchdogs for the sake of the coming years. Communication with your politicians is crucial. Most of all, we ought to stand TOGETHER and get happy to combat to safeguard what exactly is right and what is good-for the MANY, NOT the FEW.

UNITED We STAY, DIVIDED, We FALL.

A President Obama will need to be simultaneously supported AND pushed. His instruction as a community organizer offers one confidence he’ll not only understand, but should also anticipate this powerful. It really is crucial for us to mind the trusty, "Follow the money" strategy. Remember, president-elect Obama dually made history by raising the absolute most unprecedented level of campaign bucks in HISTORY of U.S. Presidential elections. Relating to CNN, if annualized, the Obama campaign’s advertising paying for the post-primary Presidential campaign would come to US0 million. This quantity is surpassed amongst big corporations particularly Verizon and AT&T – both heavy sponsors associated with the Republican in addition to Democratic nationwide celebration conventions.

At the beginning of October, the Democratic National Committee launched it lifted US.9 million with US.5 million sitting in the lender. The celebration increased cash through-joint fund-raising occasions with Obama and managed to use that cash to assist his candidacy. These numbers had been just feasible because he opted from the public financing system when it comes to fall promotion. John McCain made a decision to be involved in the device, which limited him to US million for September / October stretch before the election. After at first guaranteeing to simply accept public financing if McCain did, Obama changed their brain after establishing major fund-raising records. Actually, once the primaries hit, Obama was raising as much as US million on a daily basis. The Obama / Biden campaign raised more than US0 million in September alone – a wonderful and unprecedented eruption of governmental offering. This extraordinary fund-raising will set a standard in politics that may doom the existing taxpayer-paid system set up when you look at the 1970’s.

Ideally NOT.

The celebration presidential nominees – Democrat Barack Obama and Republican John McCain – collectively invested significantly more than US BILLION, in addition an unprecedented figure. In accordance with White home obtainable, a nonpartisan team that tracks political giving, Obama had 605 bundlers, or donors who collect money from pals and colleagues and bundle all of them collectively. Four years ago, Democrat John F. Kerry had 588 bundlers and, in 2000, Al Gore had nothing. McCain had 851 bundlers working for his promotion, versus 557 which increased money for the Bush-Cheney re-election committee in 2004. George W. Bush is essentially paid with institutionalizing the part of bundlers in 2000, when he recruited a then unprecedented 555 surrogate fundraisers.

Ask Yourselves: Who truly benefits most from having donated towards the Obama / Biden campaign?

President – elect Barack Obama & John McCain’s U.S. Presidential promotion funds details:

OBAMA:
Total:US0,767,963
Bundlers:605
LobbyistBundlers:17

MCCAIN:
Complete: US2,525,058
Bundlers: 851
Lobbyist Bundlers: 77

See the Center for Responsive Politics Presidential campaign monies for a better perspective:

2008: Obama AND McCain – US.3 BILLION

(Obama: US0,767,963 million / McCain: US2,525,058 million)

2004: Bush AND Kerry – US.2 BILLION

2000: Gore AND Bush – US.56 MILLION

1996: Dole AND Clinton – US.82 MILLION

1992: Clinton AND Bush – US.24 MILLION

* TO FIND MEGA-DONERS, click: www.whitehouseforsale.org/searchDonor.cfm?CandidateSelect… McCain&StateSelect=&SortOrder=Last_Name, First_Name, Middle_Name, Suffix.*

Democrats in Washington and you will be under enormous stress to "play it safe", whilst everyone knows We require strong action many type of brand new, New contract. And, when we permit the "play-it-safe" group to dominate, after that Obama (and then we) cannot be successful. Make NO error: the organization big-wigs and free-market fundamentalists see this for just what it is: THE BATTLE OF A LIFETIME. They need nothing more than the Democrats to let you down, because then HOPEfulness that Obama signifies can be stuffed back in the container and cynicism can yet again regain its place in Our national governmental culture.

WE Can’t Allow This Happen!

Whether it is revamping our health attention system…implementing an innovative new fair-based trade policy…creating an audio, practical and well thought-out immigration plan…jobs programs…organizing rights in Washington, or promotion election reform, household leave or reasonable taxes, this election has actually set the phase for an ENTIRELY brand new personal agreement between the government and individuals. This election starts up a genuine possibility – little, but genuine – we might make genuine progress as a society, with regards to equivalence and freedom and real durability. Easily put, the democracy We preach, but try not to show. Exactly what comes next is as much as United States. And, We need to really prepared OURSELVES.

In a nutshell, the true meaning of this election has not yet been decided.

Overall, there’s a lot of strive to do. It is crucial that everybody do his share – whether this means attending a neighbor hood or union meeting, signing a petition, organizing or riding a bus to a demonstration, taking place a lobby see, making a monetary contribution, or just talking-to a stranger concerning the need and desirability of typical good.

Thank you for anything you do!
Live your values. Love your nation.
And, keep in mind: TOGETHER, We can make a D-I-F-F-E-R-E-N-C-E !

“We hang the petty thieves and appoint the fantastic ones to public office.” ~AESOP.
charge card fraud
Image by eyewashdesign: A. Golden
Brand new Yorkers Protest the US0 BILLION (US TRILLION) Wall Street BAILOUT: Wall Street, NYC – September 25, 2008

Phototgrapher: a. golden, eyewash design – c. 2008.

Upon talking about going to this BAILOUT protest, a Native American associate of my own mentioned that somewhere nearby the precise location of the NY stock market – on Wall Street – was the website for a bloody fight between Native tribes and United states invaders. I thought this becoming instead profound and rather apropos, deciding on, well, every thing!

After a bit of research, i really could not realize that this specific location had been THE LOCATION, but discovered the following information from www.hmbd.org website:

"Sankofa" —> African Burial-ground National Monument
Inscription. [in the marker is the Adinkra icon "Sankofa," emblematic for the importance of mastering through the previous]

"For all those who have been lost,
For anyone who were stolen,
For all those have been left out,
For anyone have been perhaps not forgotten."

*Erected 2007 by National Park provider, U.S. Department for the Indoor.*

Area. 40° 42.864′ N, 74° 0.267′ W. Marker is within New York City, nyc, in New York County. Marker is on Federal Plaza/Duane Street 0.04 kilometers west of African Burial Ground Way/Elk Street, on right whenever traveling east. Mouse click for chart. Marker inscriptions are included in the African burial-ground Memorial designed by Rodney Leon and therefore are accessible to pedestrians in the eastern grounds of Ted Weiss Federal Building (290 Broadway) down Federal Plaza/Duane Street. Marker is within this post-office location: New York NY 10007, united states.

Various other nearby markers. At the least 8 various other markers tend to be within walking length of this marker. Richard Montgomery (approx. 0.3 kilometers away); stays of Maj. Gen. Richard Montgomery (approx. 0.3 miles away); St. Paul’s Chapel (approx. 0.3 miles away); 100 year old Sycamore (approx. 0.3 miles away); People in america of Chinese Ancestry (approx. 0.3 miles away); Lin Ze Xu (approx. 0.3 miles away); Men which passed away whilst imprisoned inside City (approx. 0.6 miles away); Ohio business of Associates (approx. 0.6 miles away).

If anybody has any information regarding the struggle that my buddy talked, I’d love to read about it. For the time being, I might have to ask once again!

—————————————————————————————————————————-

Friends,

The wealthiest 400 People in the us — you got that right, only four-hundred people — own significantly more than the underside 150 million Us americans COMBINED! 400 associated with wealthiest People in the us have got much more stashed away than half the entire country! Their particular combined web well worth is .6 trillion. During eight many years of the Bush Administration, their particular wealth has increased by almost 0 billion — the same quantity that they were demanding We give all of them when it comes to "bailout." Let’s they just spend money they made under Bush to bail by themselves aside? They’d have almost a trillion dollars left to spread amongst by themselves!

Definitely, they are not going to do this — about perhaps not voluntarily. George W. Bush had been given a 7 billion excess when Bill Clinton left office. Because that money was your money and never HIS, he did just what the wealthy choose to do — invest it and do not look back. We have now a .5 trillion debt which will take seven generations where to recoup. Why — on –earth – performed — our — "representatives" — give — these — robber — barons — $US850 BILLION — of – the — money?

The other day, recommended my very own bailout program. My recommendations, listed below, were predicated on the single and easy belief that the rich must pull themselves up by their particular platinum bootstraps. Sorry, fellows, however you drilled it into our heads one too many times: THERE…IS…NO…FREE… LUNCH ~ STAGE! And thanks for encouraging united states to hate people on benefit! Therefore, there needs already been NO HANDOUTS FROM United States FOR YOU! Last Friday, after voting from this BAILOUT, in an unprecedented turn of events, your house FLIP-FLOPPED their "No" Vote & stated "Yes", in a hurry form of a "bailout" costs vote. DESPITE THE INDIVIDUALS’S OVERWHELMING DISAPPROVAL FOR THIS BAILOUT BILL… NOTWITHSTANDING COUNTLESS CALLS THROUGH THE ANYONE CRASHING WASHINGTON "representatives’" PHONE LINES…IN SPITE OF CRASHING your POLITICIAN’S WEBSITES…IN SPITE OF HUNDREDS OF THOUSANDS OF PEOPLE PROTESTING ROUND THE COUNTRY… THEY VOTED WITH THIS BAILOUT! Individuals very first succeeded on Monday utilizing the home, but failed do so using Senate then YOUR HOUSE TURNED-ON US TOO!

It really is obvious, though, we can not simply continue protesting without proposing what it really is we think THESE IDIOTS should/’ve do/one. So, after talking to many people smarter than Phil Gramm, right here’s the proposal, now known as "Mike’s Rescue Plan." (From Michael Moore’s Bailout Arrange) This has 10 simple, simple things. These are typically which you DIDN’T, BUT SHOULD’VE:

1. APPOINTED A UNIQUE PROSECUTOR TO CRIMINALLY INDICT ANYONE ON WALL STREET WHO KNOWINGLY CONTRIBUTED FOR THIS COLLAPSE. Before any brand-new cash ended up being expended, Congress needs committed, by quality, to CRIMINALLY PROSECUTE whoever had almost anything to do utilizing the attempted SACKING OF OUR ECONOMY. Which means anyone who committed insider trading, securities fraudulence or any action that aided result in this collapse must have and MUST VISIT JAIL! This Congress NEEDS TO HAVE called for a particular Prosecutor that would vigorously pursue everyone else which developed the mess, and someone else who tries to con the public in future. (i prefer Elliot Spitzer ~ so, he played somewhat hanky-panky…Wall Street hates him & this is an excellent thing.)

2. THE RICH NEEDS COVERED THEIR VERY OWN BAILOUT! They may need live in 5 houses rather than 7. They might need certainly to drive 9 automobiles instead of 13. The cook because of their mini-terriers may have to be reassigned. But there is no way in hell, after pushing family members earnings going down more than ,000 dollars through the Bush years, that working people and middle income need to fork over one dime to underwrite the next yacht buy.

Should they truly needed the 0 billion they do say they required, really, here is a good way they might have raised it:

a) Every few makeing over a million dollars a-year and every solitary taxpayer which tends to make over 0,000 annually should spend a 10% surcharge income tax for five years. (oahu is the Senator Sanders plan. He’s like Colonel Sanders, only he’s off to fry the best birds.) Which means the rich might have nonetheless already been paying less income-tax than when Carter ended up being president. That will have raise an overall total of 0 billion.

b) Like just about any various other democracy, they ought to have charged a 0.25% tax on every stock transaction. This might have raised over 0 billion in a-year.

c) Because every stockholder is a patriotic American, stockholders must have forgone obtaining a dividend check for one-quarter and instead this cash could have gone the treasury to aid buy the bullsh*t bailout.

d) 25per cent of significant U.S. corporations at this time spend NO federal income-tax. Federal corporate taxation revenues currently total 1.7per cent of GDP compared to 5percent within the 1950s. When we lifted the corporate income-tax BACK to the levels associated with 1950s, this could give us an additional 0 billion.

All this combined must have already been adequate to end the disaster. The wealthy would have reached keep their particular mansions and their particular servants and our United States government ("COUNTRY FIRST!") would’ve have somewhat leftover to repair some roads, bridges and schools…

3. YOU NEED TO HAVE BAIL OUT THE FOLKS DROPPING THEIR HOMES, NOT THE PEOPLE WHO CAN BUILD AN EIGHTH HOME! You will find 1.3 million houses in property foreclosure today. That is what’s in the middle of the issue. So, in place of providing the cash towards the financial institutions as something special, they should have reduced each one of these mortgages by 0,000. They need to have forced the finance companies to renegotiate the mortgage so the homeowner could spend on its present price. To insure this help wouldn’t check-out investors and the ones just who tried to earning profits by turning houses, the bailout should have just already been for individuals’s main residences. And, in substitution for the 0K pay-down regarding the present home loan, the federal government would have gotten to share within the holding for the mortgage therefore it could get a few of its money back. Thus, the sum total preliminary cost of fixing the home loan crisis at its origins (in place of using greedy loan providers) is 0 billion, perhaps not 0 BILLION.

And let us set the record right. Those who have defaulted to their mortgages are not "bad risks." These are generally our other Us citizens, and all they wanted was that which we all wish: a property to phone their very own. But, through the Bush many years, countless individuals lost the good investing jobs they’d. SIX MILLION fell into impoverishment! SEVEN MILLION destroyed their health insurance coverage! And, every one of all of them saw their genuine earnings go-down by ,000! People who DARE look down upon these People in america just who got struck with one bad break after another should-be ASHAMED.! we have been a better, more powerful, less dangerous and happier community when all of our citizens can afford to reside in a property they possess.

4. AROUND NEED TO HAVE BEEN A STIPULATION WHEN THE BANK otherwise BUSINESS GOT ANY OF OUR MONEY IN A "BAILOUT," SUBSEQUENTLY WE OWN YOU. Sorry, that’s just how it really is done. If the lender gives me cash and so I can find a home, the bank "owns" that residence until I pay all of it right back — with interest. Exact same deal for Wall Street. Whatever cash you ought to stay afloat, if our government views you a secure danger — and required for the nice of this nation — then you can certainly get financing, but WE OUGHT TO OWN YOU. In the event that you default, we are going to offer you. This is how the Swedish government did it therefore worked.

5. ALL REGULATIONS NEED TO HAVE BEEN BE RESTORED. THE REAGAN TRANSFORMATION IS DEAD! This catastrophe occurred because we allow fox possess keys to the hen-house. In 1999, Phil Gramm authored a bill to eliminate all of the laws that governed Wall Street and our bank operating system. The bill passed and Clinton finalized it. This is what Sen.Phil Gramm, McCain’s chief economic advisor, said in the bill signing:

"within the 1930s … it was believed that federal government had been the clear answer. It had been thought that stability and growth came from government overriding the functioning of no-cost areas.

"we’re right here today to repeal [that] because we’ve discovered that federal government isn’t the response. We learned that freedom and competition will be the answers. We now have learned that we promote financial growth therefore we advertise security insurance firms competition and freedom.

"Im proud to be here since this is a vital bill; it is a deregulatory bill. I think that this is the trend for the future, and I also have always been awfully happy to possess been a part of making it a real possibility."

BECAUSE OF THIS NOT TO REOCCUR, This BILL MUST HAVE BEEN REPEALED! Bill Clinton may have assisted by leading your time and effort the repeal of this Gramm bill and also the reinstating of also harder regulations with regards to our banking institutions. So when these people were done with that, they need to have restored the laws for the airlines, the evaluation of our meals, the oil business, OSHA, and every other entity that affects our daily resides. All oversight conditions for almost any "bailout" need to have had administration monies attached to all of them and unlawful penalties for many offenders.

6. WHETHER OR NOT IT’S TOO-BIG TO FAIL, SUBSEQUENTLY WHICH MEANS IT’S TOO BIG TO EXIST! Allowing the creation of these mega-mergers and not enforcing the dominance and anti-trust laws and regulations has permitted numerous finance institutions and corporations to become therefore big, ab muscles thought of their failure means a much bigger collapse over the whole economic climate. No-one or TWO businesses should EVER have this type of power! The alleged "economic Pearl Harbor" can’t occur if you have hundreds — thousands — of institutions in which folks have their money. When we have twelve auto companies, if an individual goes belly-up, we DON’T FACE A NATIONAL DISASTER! If we have actually three separately-owned daily papers in your neighborhood, then one news company cannot phone all the shots (I’m sure… exactly what are I thinking?! Just who reads a paper anymore? Yes pleased all those mergers and buyouts left us with a good and "FREE" hit!). Rules Should have been enacted to prevent businesses from becoming therefore huge and prominent that with one slingshot on attention, the MONSTER FALLS and DIES. With no establishment should be allowed to create cash systems that NO ONE understands. If you fail to explain it in 2 phrases, do not be taking any person’s money!

7. NO EXECUTIVE SHOULD EVER BE PAID ABOVE 40 TIMES THEIR AVERAGE WORKER, NO EXECUTIVE MUST RECEIVE ANY SORT OF "PARACHUTE" OTHER THAN THE GENEROUS SALARY SHE OR HE MADE WHILST EMPLOYED BY THE COMPANY. In 1980, the typical US CEO made 45 times exactly what their staff made. By 2003, they were making 254 times just what their staff made. After 8 several years of Bush, they today make over 400 times just what their typical employee tends to make. Exactly how we have actually permitted this to occur at openly held companies is beyond reason. In Britain, the typical CEO tends to make 28 times what their particular normal staff member makes. In Japan, it really is just 17 times! The final I heard, the CEO of Toyota ended up being living the high life in Tokyo. How can he do it on therefore small money? Really, it is an OUTRAGE! We developed the mess we’re in by allowing the folks at the very top become distended past belief with vast amounts. THIS HAS TO STOP! Not merely should no manager who obtains help of this mess make money from it, but any exec who was simply in control of working his company in to the ground must certanly be FIRED before the business obtains ANY assistance.

8. CONGRESS MUST HAVE STRENGTHENED THE FDIC AND MADE IT A MODEL FOR PROTECTING NOT MERELY INDIVIDUALS COST SAVINGS, BUT IN ADDITION THEIR PENSIONS AND THEIR HOMES. Obama was correct to propose broadening FDIC protection of people’s cost savings in their finance companies to 0,000. But, this same sort of federal government insurance coverage must certanly be given to our NEVER have to worry about set up money they have put away due to their old age will likely to be there. This should have meant strict government supervision of businesses which manage their staff’ resources — or perhaps it means the businesses should have already been obligated to start those resources and their particular administration towards government? Individuals exclusive pension resources should also be protected, but possibly it’s time to think about not having your your retirement dedicated to the casino known as the currency markets??? Our government must have a solemn responsibility to ensure that no body who develops old inside country has to worry about becoming destitute.

9. EVERYBODY NEEDS TO TAKE A BREATH, SETTLE DOWN, AND NEVER LET WORRY RULE YOUR DAY. Turn off your TVs! We have been NOT within the 2nd Great anxiety. The sky isn’t dropping, Chicken minimal! Pundits and political leaders have actually lied to united states therefore FAST and FURIOUS it’s difficult never to be affected by all fear mongering. Even I had written to and continued what I heard on the development last week, your Dow had the biggest one-day drop with its record. Well, which was real in terms of points, but its 7% drop emerged nowhere near Black Monday in 1987 once the stock exchange within one day destroyed 23per cent of their value. Into the ’80s, 3,000 finance companies closed, but The united states didn’t walk out business. These establishments have always had their particular pros and cons and in the end it works completely. This has to, since the rich hate their particular wealth becoming interrupted! They have a vested desire for calming things down and getting into their Jacuzzis before they slip into their million thread-count sheets to drift to a peaceful, Vodka tonic and Ambien-induced slumber.

As crazy as things tend to be at this time, tens and thousands of individuals got car finance a week ago. Thousands went along to the lender and got a home loan buying a house. Students just returning to college discovered financial institutions above pleased to put them into hock for the following 15 years with a student loan. I became even pre-approved for a USK unsecured loan. Yes, life has gone on with little-or-no-change (other than the whopping 6.1percent unemployment price, but that happened final thirty days). Not an individual lost any of his or her monies in lender, or a treasury note, or perhaps in a CD. And, the possibly the many amazing thing is the fact that the United states general public SUBSEQUENTLY didn’t purchase the scare campaign. The citizens don’t blink, rather informing Congress to simply take that bailout and shove it. THAT was impressive. The reason why did not the populace succumb to the fright-filled warnings from their president along with his cronies? Well, it is possible to just say ‘Saddam gets the bomb’ plenty times ahead of the folks recognize you’re a lying sack of shit. After eight lengthy years, the nation is exhausted and just can’t go any longer. The entire world is completely fed up & I do not blame all of them.

10. THEY NEED TO HAVE CREATED A NATIONAL BANK, A "PEOPLE’S BANK." Since they’re actually irritation to print up a trillion bucks, in the place of providing it to a couple rich people, let us provide to ourselves? Now that We own Freddie and Fannie, have you thought to arranged a People’s lender? One that provides low-interest financial loans for many types of people who desire to get a home, start your small business, head to school, produce the treatment for cancer or create the after that great invention. And, now that we get AIG – the united states’s biggest insurance carrier – let us make the next thing and PROVIDE MEDICAL HEALTH INSURANCE FOR EVERYONE. MEDICARE FOR ALL! It will SAVE YOUR SELF us A GREAT DEAL profit the future (and of course bring reassurance to all). And, America won’t be twelfth from the endurance list! We’ll be able to have an extended lifespan, taking pleasure in our government-protected pension and can live to look at time once the corporate crooks who caused anywhere near this much distress are discrete of jail to ensure we could assist re-acclimate them to common ordinary, civil life — a life with ONE good house plus one gas-free car created with assistance from the People’s Bank.

P.S. Call your Senators NOW !!! —> www.visi.com/juan/congress/

Because they voted against driving the extension of unemployment advantages and skipped off to "campaign" to united states to-be re-elected…call them and let them know you’ll vote for other "guy" when they don’t get their act collectively!

—————————————————–

ENHANCE: THE INDIVIDUALS ENJOY VOTED! A HISTORIC MINUTE: NOVEMBER 4th 2008!

——> THE Historical ELECTION <——

"A work with PROGRESS."

Nov. 4th, 2008.

A good American frontrunner as soon as stated, "As individual fingers We can be easily broken. But TOGETHER We make a mighty fist." These terms also had been talked by a minority frontrunner. He was the venerable Chief Sitting Bull. No, Barack Obama’s maybe not initial US minority to talk eloquently and he certainly won’t be the final. Though, ultimately, this election wasn’t even close !!! The entire world watched because, "YES WE COULD!" changed into, "YES WE DID!" because it today ushers in, "YES WE SHOULD!" time happens to be!

Everything we do with this specific moment shall define United States, forthright. The united states has elected a man with a history of limited African – United states lineage as President elect. A unique leader with origins from Kenya to Kansas (with a step-father from Indonesia), would be doing work in combination with a vice-Presidential of Anglo-European roots. This will be anything which residents of most events – both right here therefore the world ’round – have loudly REJOICED. Why talk about race? Is race essential? You bet! Because – enjoy it or otherwise not – battle features ruled and influenced our day to day everyday lives for thousands of years. Most likely: "To know where we are going, We must initially know in which we have been".

We have come a LONG Way baby! That which was once "acceptable" in 1965 is not any longer in 2008 and THANKFULLY.

This is a changing of this shield. Particularly since forty-percent of The united states’s population is regarded as becoming a "minority". Only four years removed, the repression of African slaves by Anglo Saxons caused thousands and thousands of brothers to kill brothers in a viscous and bloody struggle that changed the fundamental principals for this Constitutional Republic from rhetoric to truth. This also ended up being a substantial changing regarding the guard.

The very first time inside history of the country, the forefathers of these very same people who therefore passionately fought for slavery have now OVERWHELMINGLY voted for a minority frontrunner. This too ushers in a section in history of America. This will be a huge nod to those great United states leaders before Us who risked every little thing to make certain that We find ourselves only at that accurate moment in time. We ought to offer thanks to these both women and men just who both tirelessly and unselfishly offered their particular everyday lives to cross and help shatter the racial, sexual and personal boundaries imbued within the history of america of The united states.

It offers now taken place. There is a palpable renewed sense of HOPE for a better the next day – a HOPE these same crippling boundaries shall finally once and for all be erased. Yet it is wise to don’t forget the adage, "Actions talk louder than words" and Our rhetoric must now be changed into activity. The capacity to really go above distinctions and to not merely speak of doing so, informs most of Our lengthy and constant trip. When we remember the old us Indian saying, "We never inherit the earth from our ancestors, we borrow it from our kids." We would simply have a fighting chance.

The individuals have spoken! A record-setting 130 million Us citizens’ proved to vote in Tuesday’s election, where Barack Obama made history on a Democratic tidal revolution of triumph. Polling shows voters arrived in record figures because of growing problems on the economy, jobs, medical care, energy, as well as the war in Iraq.

Clearly, the national government as well as the brand-new Democratic vast majority in Washington have a chance to make serious changes in Our resides – stretching ­from Wall Street to principal Street. Yes, this moment reveals decency about peoples chance and let’s face it, we’re able to make use of a little decency TODAY.

Perhaps moreover, this moment speaks volumes since it’s a total getting rejected of the right’s politics of fear and greed? It’s going to now be years before there is another Republican majority in Congress. Do not have the words, "Ask maybe not what Your nation can do for your needs, but what you certainly can do for Your nation," appeared much more real for NUMEROUS. For, We-Are-Our-country. And then we’re at a MAJOR crossroads. Where, oh how to start?

OBAMA / BIDEN Campaign.

Here in New York, performing households voters, people, affiliates, supporters and section frontrunners poured everything they had into critical campaigns that shown effective. Lots of people are today naturally fatigued – though significantly more than some happy with that which was achieved. And, the results had been great ~ if you don’t downright Historic. The very first time because the mid-1930, their state Senate will not be controlled by Republicans. It really is now in the possession of of a Democratic Working Families majority! Just-take-one-moment-and-soak-this-in. MASSIVE Democratic majorities in BOTH the home therefore the SENATE!

Together, the W.F.P built a great cooperation with Senate Democrats, knocking on over fifty percent a million doors for modern CHANGE. And, in the end, "We the People" overwhelmingly reacted. This can be a MILESTONE. There’s today a renewed feeling of genuine HOPE resonating from Washington, without a doubt, across the world. This might be effective. Because, without HOPE, there is simply nothing to get.

But we should take care not to fall prey to disillusionment. If illusions tear folks asunder, then disillusion outright eliminates the individual character. This means that, split THEY beat, united, WE stand. This historical moment ended up being ushered in during Native American Indian thirty days is apropos. Because, we should keep in mind the very real fundamentals of this idealistic nation and pay homage towards 500 plus year battle of your First Peoples’ for fundamental liberties afforded them inside our very own Constitution. Obama’s success is definitely a victory representing the multitudes. It really is properly because their success mirrors the public, without various wealthy, power-elite that is indeed electrifying. AN EXTREMELY palpable, "Finally!" ended up being the expression heard ’round the entire world.

The entire world woke up WEDNESDAY using genuine chance for a tremendously RARE OPPORTUNITY – the best generally in most Our lifetimes. That is to be able to truly change America.

But, We mustn’t forget the quite difficult realities current inside nation. Only ask any woman…any "person of color"…or, any First Peoples staying in this "great" land. For, as long as Native American Indians within country however inhabit guidelines of containment on bookings without having the really tips, such as working water, electricity, or temperature… so long as above 75percent of this prison populace includes African-Americans, First and Taino Peoples …as long even as we continue to enable Our income tax bucks invested become three times much more per of the prisoners per mind than on Our own college childrens’ training…as long as American females still earn under men for the SAME work…as very long even as we enable privately held corporations to occur without severe PRINCIPAL reform…as very long once we still allow our kids to trample on foreign soil to kill and to be killed in "Our" brands…as long even as we sit idly by expecting or content to let other individuals to "Do the right thing," for people… provided that We DON’T ACTIVELY PARTICIPATE TOGETHER in challenging and fighting for OUR OWN WELL-BEING the improvement of generations to come… provided that We elect to remain ignorant plus in denial to your faults…TRUE CHANGE can, and can NEVER HAPPEN.

Though, like everything uncommon and unique, we should initially simply take appropriate time to Honor…to give thanks to those before us which, without their dedication and give up, made this minute possible. We must get together. Immediate formulation and an actual want to defend and also to protect this minute with fierce dedication is needed. Brand new frontrunners are needed and will emerge so We assure moments such as this become the norm, as opposed to only token fluke. When we aspire to change Tuesday’s results into a proper break from the shipwreck of the most instant final thirty years – We MUST start by realizing this election represents just that – a-start. It’s Round our LONG and CONTINUOUS challenge.

And, Round Two will soon be equally tough, if not more so. Remaining the program could easily be forgotten when individuals are dying from insufficient healthcare; when they’ve discovered themselves on the streets for lack of refuge so that as they grow a lot more desperate because of lack of work opportunities. Only ask people of local or African American lineage. Or, one of Our homeless veterans residing on The united states’s streets of plenty.

Yes, the house of cards has fallen solid. And, President / V.P. elect Barack Obama and Joe Biden have passed down many apparently insurmountable difficulties. GENUINE CHANGE – not rhetoric – is what’s needed. And get it, we should demand it. We ought to march and stay watchdogs in the interests of the coming generations. Interaction with this politicians is crucial. Most of all, we ought to stay TOGETHER and become prepared to combat to guard understanding right and something beneficial to the countless, NOT the limited.

UNITED We STAND, DIVIDED, We FALL.

A President Obama will have to be simultaneously supported AND forced. His instruction as a residential district organizer gives one confidence he’ll not just understand, but must also anticipate this powerful. It’s crucial for people to mind the trusty, "Follow the money" method. Don’t forget, president-elect Obama dually made history by raising the most unprecedented quantity of campaign dollars within the HISTORY of U.S. Presidential elections. In accordance with CNN, if annualized, the Obama campaign’s advertisement spending on the post-primary Presidential promotion would come to US0 million. This quantity is exceeded amongst large corporations such as for example Verizon and AT&T – both hefty sponsors associated with the Republican in addition to Democratic nationwide celebration conventions.

At the start of October, the Democratic National Committee announced it raised US.9 million with US.5 million sitting within the lender. The party lifted cash through joint fund-raising occasions with Obama and managed to make use of that money to aid their candidacy. These numbers were just possible because he opted from the general public funding system for fall campaign. John McCain decided to be involved in the device, which limited him to US million for the September / October stretch ahead of the election. After at first guaranteeing to just accept public financing if McCain performed, Obama changed their brain after setting primary fund-raising documents. In fact, once the primaries struck, Obama had been raising up to United States million each and every day. The Obama / Biden promotion raised more than US0 million in September alone – a wonderful and unprecedented eruption of political providing. This extraordinary fund-raising is likely to set a new standard in politics might doom the present taxpayer-paid system set-up inside 1970’s.

HOPEfully never.

The party presidential nominees – Democrat Barack Obama and Republican John McCain – together invested significantly more than US BILLION, in addition an unprecedented figure. Based on White House available, a nonpartisan group that tracks political giving, Obama had 605 bundlers, or donors whom collect money from buddies and colleagues and bundle all of them together. Four years ago, Democrat John F. Kerry had 588 bundlers and, in 2000, Al Gore had nothing. McCain had 851 bundlers working for his campaign, versus 557 whom increased money for Bush-Cheney re-election committee in 2004. George W. Bush is basically paid with institutionalizing the role of bundlers in 2000, as he recruited a then unprecedented 555 surrogate fundraisers.

Ask Yourselves: Just who really benefits most from having donated towards the Obama / Biden promotion?

President – elect Barack Obama & John McCain’s U.S. Presidential promotion resources details:

OBAMA:
Complete:US0,767,963
Bundlers:605
LobbyistBundlers:17

MCCAIN:
Complete: US2,525,058
Bundlers: 851
Lobbyist Bundlers: 77

See the Center for Responsive Politics Presidential campaign monies for an improved point of view:

2008: Obama AND McCain – US.3 BILLION

(Obama: US0,767,963 million / McCain: US2,525,058 million)

2004: Bush AND Kerry – US.2 BILLION

2000: Gore AND Bush – US.56 MILLION

1996: Dole AND Clinton – US.82 MILLION

1992: Clinton AND Bush – US.24 MILLION

* TO FIND MEGA-DONERS, view here: www.whitehouseforsale.org/searchDonor.cfm?CandidateSelect… McCain&StateSelect=&SortOrder=Last_Name, First_Name, Middle_Name, Suffix.*

Democrats in Washington and will be under huge stress to "play it safe", even as everybody knows we want bold activity many sort of brand new, brand new contract. And, when we enable the "play-it-safe" audience to take over, after that Obama (and We) cannot succeed. Make NO error: the organization big-wigs and free-market fundamentalists see this for what it really is: THE FIGHT OF FOREVER. They desire nothing more than the Democrats to disappoint, because then HOPEfulness that Obama presents may be loaded in the container and cynicism can once more regain its place in Our national governmental tradition.

WE Can’t Allow This Happen!

Whether it’s revamping our health and wellness treatment system…implementing an innovative new fair-based trade policy…creating a sound, realistic and really thought-out immigration plan…jobs programs…organizing liberties in Washington, or promotion election reform, family members keep or reasonable taxes, this election features set the phase for a totally brand new social contract involving the government additionally the individuals. This election opens up an actual chance – small, but real – that individuals will make genuine progress as a society, when it comes to equality and freedom and true sustainability. Or in other words, the democracy We preach, but do not instruct. What comes next is as much as US. And, we have to really ready OURSELVES.

Simply speaking, the actual meaning of this election has not yet been determined.

In general, there’s lots of work to do. It is crucial that everybody do his share – whether this implies going to an area or union meeting, signing a petition, arranging or driving a bus to a demonstration, going on a lobby visit, making a financial contribution, or perhaps talking to a stranger towards need and desirability of this common good.

Thank you for all you do!
Real time your values. Love your country.
And, remember: TOGETHER, we could make a D-I-F-F-E-R-E-N-C-E !

Nice Credit Card Fraud photographs

Nice Credit Card Fraud photographs

Some cool charge card fraud photos:

Web closing in on lacking Stein Bagger millions…
bank card fraudulence
Image by Podknox
Money path causes three bank reports in america

In collaboration using FBI, the Danish police features tracked down a large part of the expected 220 million kroner that Stein Bagger, along with his Swedish accomplice Mikael Ljungman, embezzled from his organization IT Factory, in accordance with a study in financial day-to-day Børsen.

The FBI and a Danish special task force have actually used the trail of an amount amounting to 162 million kroner which was transferred to Ljungman’s Swedish organization Xiop, and split between three accounts: two US-based corporations, Ecommerce LLC and Media Power, each of which Ljungman has together with the already-convicted Swede Carl Freer; and a secret account with an United States bank card put up in name Lord Mikael Ljungman.

Police were interested in the embezzled cash for 1 . 5 years, and in accordance with Børsen, they usually have reportedly placed on Lyngby Court for a seizure warrant to get the money from all three records.

Copenhagan Post Online’s tale here www.cphpost.dk/component/content/49712.html?task=view

www.airscoot.co.uk/dev/2010/08/15/net-closing-in-on-missi…

Hunt for Stein Bagger’s lacking millions resumes cphpost.dk/news/national/hunt-stein-baggers-missing-milli…

Article backup in case it gets erased like about article:

************************************************************************************
As defrauder Stein Bagger once again tries to establish himself in the business world from behind bars, the goal for missing hundreds of thousands he stole begins anew

Stein Bagger, or Steen Bach while he now wants to be called, features begun an internship that has renewed the search for the missing IT Factory hundreds of thousands (Photo: Scanpix)
The find the missing 200 million kroner when it comes to disgraced businessman Stein Bagger, was restored after new information features surfaced associated with an internship Bagger is doing from behind pubs.

Boris Frederiksen, the person in control of locating the missing funds, had at first begun the look during the early 2010, but he had been forced to stop the search in October 2011 after the money trail moved cold.

Bagger had been an acclaimed CEO regarding the company IT Factory before vanishing on 27 November 2008 while on a trip to Dubai along with his spouse and business partners. A few days later on, it emerged it Factory’s revenue was falsely filled as an element of a plan to defraud finance companies and investors for over 1.2 billion kroner, the biggest situation from it’s sort in Denmark for decades.

IT Factory had been announced bankrupt and a warrant was granted for Bragger’s arrest. Bagger fled Dubai for brand new York, were he hired a vehicle and drove to Los Angeles, turning himself directly into police authorities on December 6.

The 45-year-old Bagger happens to be serving a seven-year phrase for their activities but is apparently trying to make a return of types. Following title Steen Bach, Bagger is using a company degree at Copenhagen company School from behind taverns and has already been allowed because of the jail service to indulge in an internship programme in a moving and storage space organization.

The company, called Dansk-Selfstorage.dk, is led by Rene Andersen, that is among Bagger’s acquaintances, and it is shrouded in mystery, specially when it comes to the 3.2 million kroner within the organization which comes from the off-shore firm Niva Trading LTD.

It’s on this back ground that Frederiksen features decided to restore his find the missing 200 million kroner and also to see if Bagger’s newest move is a ploy to launder the cash.

“The concern that we and everyone else have actually if they look into the story is of course whether this is certainly a plot to in some way lead some of the hidden resources offshore into the united states,” Frederiksen told Børsen newsprint.

But regardless of the hunt for the missing money, its obvious that Bagger won’t be permitted to take an important position in a company again.

“Stein Bagger’s directly to be a president, CEO or board member with limited duty in an organization or a connection which needs special general public endorsement or a fund, is suspended indefinitely in accordance with the unlawful law § 79,” their sentence read.

Bagger refused the idea which he features anything to do with Niva Trading Ltd
************************************************************************************

Crime On Line Western Union Bank Card Form
credit card fraudulence
Image by mike_hcg

Credit scores Scams Security – Locating The Right Protection Versus Credit score Fraud

Credit scores Scams Security – Locating The Right Protection Versus Credit score Fraud

credit fraud
by Customers Energy Nowadays, because of the raising number of frauds and scams, it has become important to have some type of defense service to prevent any type of illegal activities.Credit fraud protection solutions are essential for shielding against any type of malicious activities that can be done by getting accessibility to your charge card or bank details. Usually clients are frequently educated regarding such info when its too late.The information can likewise be easily gathered from credit agencies that supply accurate reports, which shows all the facts. Generally, you need to await 3 months so as to get access to your credit rating record, yet if you make use of a credit fraud security service; you will certainly be able to check your credit scores standings 1 Day a day, as well as would certainly be notified in case any kind of aims to access your details.Those that utilize other identifications are typically use numerous identifications for the objective of swiping loan from each of them, maybe by taking out loan from financial institutions, or the facility
of a credit rating card in their name.There are various type of fraud which you have to continue to be familiar with and stay clear of at all expense, due to the fact that in the end you are the one spending for it.Credit fraudulence protection services help to
protect against fraudulence in the very best feasible means, but additionally assist you recover your loan and also your debt record if the most awful took place. If the target is incapable to discover identity burglary for more than six months, major financial damages can happen. Out of desperation, people look for means to credit rating fraudulence protection, so that they can

avoid any kind of major problems.It is therefore vital to locate such services that have the ability to stop unauthorized accessibility to your delicate info. A credit rating fraudulence protection service sends out notifies when any person makes inquiries concerning your credit(such as banks or bank card business), as well as if your identity was taken you will understand about it before any type of damages is done.Apart from that, it is important to examine all or a lot of these locations to watch very closely the opportunity of identification burglary. Early detection is the key, prior to the economic loss gets large; identity burglary is most common online, you could just continue to live a life devoid of the burden. Depending on the particular agency and also solutions of their choice, as well as some business just report on one of the 3 largest credit report firms as well as reporting, while others may provide accessibility to all three reports.Also, some business might upgrade your debt daily, while others may be less constant updating of the timetable. It is
vital to assess the company and also the services it offers to earn certain you get the most effective value to meet your demands. The finest security against credit report fraud can be found with Debt Protection Fraudulence, which is a leader in keeping your interest

secure. Associated Credit scores Scams Articles

Cool Consumer Fraud images

Cool Consumer Fraud images

Check out these consumer fraud images:

MEPs vote in favour of a resolution for labelling of meat in processed foods by country of origin
consumer fraud
Image by European Parliament
Meat used as an ingredient in processed foods, such as lasagne, should be labelled by country of origin as is already the case with bovine fresh meat, said MEPs on Wednesday. They call on the European Commission, which published a report on the issue in late 2013, to come up with legislative proposals in order to rebuild consumer confidence in the wake of the horsemeat scandal and other food fraud cases.

Read more @ www.europarl.europa.eu/news/en/news-room/content/20150206…

These photos are copyright free, but must be credited: © European Union 2014 – European Parliament. (Attribution-NonCommercial-NoDerivs Creative Commons license). If you need higher resolution files do not hesitate to contact us. Please do not forget to send the link or a copy of the publication to us: webcom-flickr(AT)europarl.europa.eu

Charles Ponzi Book Cover
consumer fraud
Image by MarkGregory007
The cover the book I publish, Charles Ponzi’s autobiography. The cover design is by Aaron Lee, Florida graphics designer. This is the story of the world’s most famous swindler as told in his own words. Over 50 years out of print, and scarce, Ponzi’s autobiography is now available for your reading pleasure. www.amazon.com/Rise-Mr-Ponzi-Charles/dp/0963192442/ref=sr…

A quote from the book by Charles Ponzi about the legitimacy of his postal coupon scheme.

“People must have thought I had discovered the buried treasure of the Incas. Or Alladin’s lamp. If they gave a thought at all to the coupons, they must have got dizzy figuring how many of them I needed to justify what I was doing. In fact, my visible resources were then in excess of ,000,000. Assuming I earned two cents on each coupon, I should have had to handle over 250,000,000 of them! It was absurd. There were not that many in the whole world. There had never been that many. And, it would have taken months to print them!

The Rise of Mr. Ponzi, By Charles Ponzi may be purchased on Amazon.com as a hardbound edition or an e-book. MM

TIPS ON AVOIDING PONZI SCHEMES….

Because of the billion Bernie Madoff investment scandal, Ponzi schemes are receiving lots of news
coverage. However, Ponzi schemes aren’t new; they have been around since the 1800s. With Ponzi frauds regularly surfacing, it is worth your while to know how to recognize one. I’ll also explain the differences and similarities between Ponzi schemes and pyramid schemes.

Ponzi schemes are named after Charles Ponzi, a 1920’s Boston businessman who lured in investors with promises of a 50% return in 45 days if you bought one of his corporate promissory notes. Ponzi told Bostonians he would invest their money in international postal reply coupons, when in fact he didn’t have a real business operation and never intended to invest their money in a legitimate business.

His real plan was to “rob Peter to pay Paul.” He would simply pay investors their monthly interest with money he received from other investors.

With Ponzi schemes, as the number of new investors grow the supply of new investors available to solicit diminishes. Eventually the Ponzi bubble must burst under the pressure of meeting the promised interest payments to its ever-increasing investor base. While some early investors do receive interest payments, the newer investors lose all or most of their money when the scam is exposed. Again, that’s because there is no real business venture to generate legitimate income.

Unfortunately, Ponzi schemes can go on for years without detection. As long as investors receive their monthly interest payments they are happy and they don’t question the legitimacy of the alleged business operation.

Pyramid schemes are not typically investment schemes. They involve multi-level marketing opportunities. An illegal pyramid scheme relies on an organizational structure whereby compensation is derived primarily from recruiting others into the organization, rather than from the sale of goods or services. What differentiates a legal, multi-level marketing program from an illegal one is that a legal one generates profits mainly from the sale of merchandise.

Many illegal pyramids attempt to establish their legitimacy by purporting to sell a product. However, the merchandise or service to be sold is largely ignored. The pyramid scheme functions like a chain letter, and eventually collapses as participants try to recover their initial investment by recruiting more and more new investors from the ever decreasing number of prospects.

Finally, here are red flags of Ponzi and pyramid schemes with tips on how to avoid becoming a victim:

• You are provided with ‘insider’ or ‘secret’ information.
• The investment has an unusually high rate of return.
• You are pressured to invest.
• You are told the investment has no risk.
• You are unable to get regular reports on the status of your investment.
• It sounds too good to be true.
• Be leery of multi-level marketing opportunities that require large start-up costs.
• With multi-level marketing offers, be sure there is an actual product to sell.
• If there is a product, be certain there is a consumer market for the product.
• With multi-level marketing opportunities, be sure the sale of the product is the main focus of the marketing plan, not just bringing in new members.

copyright – Mark Mathosian, retired economic frauds investigator