American Survival Newsletter:
Combining the World of Finance, Health & Politics
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Edited by Alfred Adask
Friday, October 25th, A.D. 2013
Between Friday, October 18th, and Friday, October 25th, the bid prices for:
|Gold rose 2.7 % from $1,317.40 to $1,352.90
|Silver rose 2.9 % from $21.96 to $22.60
|Platinum rose 1.1 % from $1,435 to $1,451
|Palladium rose 0.4 % from $739 to $742
|DJIA rose 1.1 % from 15,399.65 to 15,570.28
|NASDAQ rose 0.7 % from 3,914.28 to 3,943.36
|NYSE rose 0.7 % from 9,984.63 to 10,053.84
|US Dollar Index fell 0.5 % from 79.63 to 79.22
|Crude Oil fell 2.9 % from $100.81 to $97.90
"Only buy something that you'd be perfectly happy to hold
if the market shut down for 10 years."—Warren Buffett
“If the market shut down for 10 years, what investment would you
dare to hold—other than gold?”—Alfred Adask
by Alfred Adask
The Washington Times reported in “Fannie, Freddie leave $4.6 billion in collectible foreclosures,” that according to a federal investigator:
“Fannie Mae and Freddie Mac, the two mortgage finance giants whose financial woes required massive taxpayer bailouts in recent years, could be missing out on as much as $4.6 billion in payments from foreclosed mortgages in their portfolios . . . .
OK—according to this article, Fannie Mae and Freddie Mac failed to collect almost $5 billion in mortgage payments due to: 1) “Disorganization”; and 2) “Inaction”. Result? The statute of limitations ran out and collection procedures had to terminate.
“Freddie Mac alone has not dealt with about 58,000 foreclosures on single-family homes, letting the borrowers go into default instead of paying back the loans . . . . many of those in default are not disenfranchised families down on their luck. Instead, they have the financial capability to pay back their loans.
“Freddie Mac eliminated any possibility of recovery when it did not refer foreclosed mortgages for evaluation of collectability,” Disorganization cost the mortgage company 6,000 potential foreclosures because the statute of limitations expired.
“The numbers are even worse for Fannie Mae, which . . . did not pursue 44,600 cases because the statute of limitations expired.
“Inaction by Fannie Mae, Freddie Mac and other companies causes a high level of ‘non-recourse lending.’ This type of lending carries few consequences because businesses legally can’t or won’t pursue people who default on their mortgages . . . .”
That explanation seems reasonable since just about everyone believes that government is so screwed up that “disorganization” and “inaction” could easily explain and excuse the loss of a “mere” $5 billion.
The article explains that the result of this “disorganization” and “inaction” was “non-recourse lending” wherein the lender had no legal capacity to sue or foreclose if the borrower defaulted on his mortgage.
I don’t doubt that the result was “non-recourse lending” where the banks have no recourse (can’t collect or foreclose) against borrowers who don’t repay their mortgages. But I doubt that the cause for “non-recourse lending” was government “disorganization” or “inaction”.
Instead, I suspect that those home loans were truly “non-recourse lending” because the lender sold the Notes and Mortgages and therefore had no legal right to foreclose.
I’m not a licensed attorney. Take my suspicions with a grain of salt.
Nevertheless, my understanding of the mortgage and foreclosure law leads me to suspect that the reason the government couldn’t foreclose on over 100,000 mortgage defaults is that Freddie Mac and Fannie May didn’t have and could not acquire the original Notes and the actual Mortgages (or Deeds of Trust) actually signed by the borrowers.
Mere copies, even verified copies will not legally suffice. In order to assert ownership to land, the plaintiff has to produce the one, actual, original title with the original signatures on it. Similarly, without ownership and possession of the original Notes and Mortgages, the purported “lenders” and their agents had no more legal right to foreclose on those 100,000 homes than I do.
Q: Why can’t Fannie Mae and Freddie Mac find the original Notes and Mortgages?
A: Because they were “sliced and diced,” incorporated into “mortgage-backed securities,” sold to third parties and spread around the world.
The original Notes and Mortgages probably couldn’t be found under any circumstances. But even if they could somehow be found, they probably couldn’t be used in court because they no longer exist in a coherent form.
Is the problem of missing Notes and Mortgages true for only the 100,000 mortgages that Fannie and Freddie neglected to enforce?
Probably not. The problem of “missing” Notes and Mortgage could apply to millions of homes that were purchased between A.D. 1990 and A.D. 2010.
But the vast majority of those millions of mortgagors don’t understand the law. Those millions of Americans don’t understand that if the bank sold their Note and Mortgage to some 3rd party, the bank—and Freddie Mac and Fannie May—may have no legal right to foreclose. Only the 3rd party who owns both the Note and the Mortgage has the legal capacity to foreclose.
But if the 3rd party subsequently sold, lost or destroyed those Notes and Mortgages, then no one has the right to collect mortgage payments on that property and no one has the right to foreclose if the purchaser fails to make payments on his loan. Although the extent of this mortgage fraud isn’t clearly known, it’s possible that millions of Americans have been hustled and deceived by their lenders and the banking system into making mortgage payments to alleged “creditors” and “lenders” who have no right to collect those payments. Millions may have been foreclosed on and forced to abandon their homes by “lenders” who didn’t have the actual Note and Mortgage and therefore had no right to foreclose.
Those millions of American borrowers understood and agreed that they were legally bound to make payments on their mortgage debt. What they did not understand is that they’re only bound to pay whoever owns and produces their original Note and the original Mortgage.
They don’t have to pay me because I don’t own their original Note and Mortgage. Any fool can see that.
But most people have a hard time imagining that they also don’t have to repay their home loans to the bank that made the loan--even if that bank no longer holds the original Note or Mortgage. Americans recognize the importance of paying their debts. They do not recognize the critical importance of the original paperwork (not copies) associated with that debt.
If the bank or lender sold, lost or destroyed the original Note and Mortgage—too bad for them. Without those original documents, they have no standing to foreclose or even collect the mortgage payments.
It’s like buying the winning lottery ticket and then accidentally setting that ticket on fire and causing it to disappear. Go ahead; contact the lottery people and tell ‘em that you clearly remember buying a lottery ticket with the winning number but, unfortunately, you lost the ticket. Odds are, the lottery people won’t allow you to collect your prize. The prize is due to however hold the original paperwork (the lottery ticket). No ticket, no check.
Same thing with Notes and Mortgages. If the alleged creditor can’t produce the original Note and Mortgage, he has no right to foreclose. He might be able to bluff an unsophisticated borrower into paying the debt, but without the original Note and Mortgage, the lender has no actual right to collect on the debt or foreclose.
The original mortgagor may be obligated to pay someone the substantial debt on his home loan. However, the mortgagor is not obligated to pay just anyone. He’s only obligated to pay the debt to whoever legally owns the original Note. He has no obligation to pay the debt to anyone who can’t produce the original Note. Likewise, he can’t be foreclosed on except by whoever holds both the original Note and the original Mortgage.
This is why, back when I was a kid, people who finally paid off their mortgages had a mortgage=-burning party. When the mortgage was finally repaid, the bank returned the original Note and Mortgage to the borrower. The borrower then celebrated (and insured himself against future mortgage payments) by burning and destroying the original paperwork. Once the original paperwork no longer existed, no one had a right to collect mortgage payments on the house and no one had a right to foreclose. Being freed from that threat, the borrower celebrated his good fortune.
Today, if you finish repaying your mortgage debt there’ll be no “mortgage burning party” because the original lender sold your paperwork and couldn’t find it if you put a gun to his head.
Nevertheless, in their pristine ignorance, millions of American mortgagors may have been subjected to foreclosure—even by people and institutions that don’t have the original Notes and Mortgages. Such foreclosures would be fraudulent but still presumed legal because the borrowers didn’t have sense enough to challenge the standing of the plaintiffs to foreclose by demanding that the plaintiff produce the original Note and Mortgage.
And those who seek to foreclose must have both: 1) the original Note; and 2) the original Mortgage. The Note establishes the debt. The Mortgage causes the house to be deemed security for the Note. If you have the original Note on the loan used to buy my home, I owe you (and only you) the amount specified on the Note. But if you don’t also have the original Mortgage, you can’t foreclose on the house if I fail to make payments on the Note. You can put a lien on the house and if I ever sell it, you can collect whatever is owed you out of the proceeds of the sale. However, even if I haven’t paid you a dime in years, you won’t be able to legally foreclose on the house even if you have the original Note but don’t also hold the original mortgage.
I therefore suspect that the 100,000 delinquent mortgagors who weren’t foreclosed on by Fannie Mae and Freddie Mac may have been allowed to “escape” because they understood enough law to demand to see their original Note and Mortgage as proof of Fanny’s and Freddy’s right to foreclose. Once that issue was raised, Fannie and Freddie would have to produce the original Note and Mortgage or openly admit that they had made a “non-recourse loan”. If they admitted that they’d sold, lost or destroyed the original Note and Mortgage, they would’ve lost their legal remedy to enforce payment of the loan and be left with no “recourse” in court.
If Fannie and Freddie admitted on the public record that they didn’t have the original Note and Mortgage and therefore couldn’t foreclose, they’d inspire millions of other borrowers to begin to ask about who holds their Notes and Mortgages. Once those millions learned that their Notes and Mortgage were also “missing,” they’d also default on their mortgages and collapse the mortgage “bubble”/Ponzi scheme. Therefore, I suspect that in order to prevent a widespread collapse of the mortgage Ponzi scheme, Fannie and Freddie simply ceased collection efforts against anyone who was smart enough to demand to see the original Note and Mortgage.
Fannie and Freddie claimed the $5 billion in lost foreclosures was due to “disorganization” and “inaction”. Maybe so. But I’d bet that Fannie and Freddie declined to foreclose on those who demanded to see the original Note & Mortgage rather than risk being charged with fraud.
$5 billion slipped through the fraudster’s fingers.
by Alfred Adask
Conservative Byte posted an article entitled “Dem Rep Praises Rise of ‘Stealth Socialism’ In America”. According to that article,
“In a recent interview with Salon, outspoken progressive Rep. Alan Grayson (D-FL) hailed the rise of what he called “stealth socialism” through America’s recent monetary policy decisions.”
What does Congressman Grayson mean by “monetary policy decisions”?
He means “central planning” by the Federal Reserve System.
“Central planning” is a term that was popularized by the former Soviet Union—until it collapsed under the weight of “central planning” in A.D. 1991, ceased to exist, and plunged the people formerly ruled by “central planning” into a decade of chaos, poverty and violence.
“Asked by interviewer David Dayen whether the financial system has become “safer” in the years since the financial collapse and subsequent government interventions like 2010′s Dodd-Frank bill, Grayson praised the Federal Reserve for its “unconventional” policies that have “put us back on a low-level track toward growth.”
From A.D. 1922 forward, Russian Communists routinely praised the brilliant and sometimes “unconventional” policies augmented by Soviet “central planning”. That praise ended in A.D. 1991, when the weight and sheer idiocy of “central planning” caused the Soviet Union to collapse, disintegrate, cease to exist and plunge the people formerly ruled by Soviet “central planning” into a decade of abject poverty, social chaos and violence.
“Asked about the Fed’s expanding balance sheet, the Florida Democrat said: ‘We’ve had a government takeover of the bond market.
The bond market has been taken over by the very same government that issues those bonds. Think about that.
With that takeover, the free market has been removed and replaced by central planning.
The free market’s former assessment of the value of government bonds has been replaced by the government’s and Federal Reserve’s control of the apparent value of those bonds. This takeover and assessment has been achieved by means of the Federal Reserve purchasing 80% or more of recent government bonds and paying full price to do so. Government sets the price. The Federal Reserve pays it. The annoying forces of the free market are eliminated and replaced by the inestimable wisdom of government central planning.
Our brilliant and heroic central planners need not listen to the voices of private investors who might ignorantly refuse to buy US Bonds except at much lower prices. The government now controls the price without free market meddling and interference.
“Stealth socialism’s been created. Government simply ends up owning more and more and more.”
It follows that as government owns more and more, you folks in the private sector will own less and less and less.
As government owns more, it will control more.
Eventually, our heroic central planners will control every bit of life and choice until this nation runs like a super-efficient, well-oiled machine—complete with goose-stepping, concentration camps for dissidents and the ultimate collapse into rubble that follows every foray into central planning.
Thanks to government’s “stealth socialism,” you’re becoming increasingly impoverished in terms of both your tangible wealth and your personal liberties. If “stealth socialism” is allowed to continue, you’ll soon own nothing and be totally subject to the government’s will.
In the name of “central planning” and “stealth socialism,” you will soon become a slave.
Donald Trump on Obamacare:
“Let me get this straight—we're going to be "gifted" with a health care plan we are forced to purchase and fined if we don't, which purportedly covers at least ten million more people, without adding a single new doctor, but provides for 16,000 new IRS agents, who have recently demonstrated their objective and professional integrity; written by a committee whose chairman says he doesn't understand it, passed by a Congress thatdidn't read it but exemptedthemselves from it, and signed by a Dumbo President who smokes, with funding administered by a treasury chief who didn't pay his taxes, for which we'll be taxed for four years before any benefits take effect, by a government which has already bankrupted Social Security and Medicare, Fannie Mae and Freddy Mac, and the Post Office, all to be overseen by a surgeon general who is obese, and financed by a country that's broke!
'What the hell could possibly go wrong?'
Watch the horror flick – Who is to blame
By Laurie Roth, October 24, 2013
After the unprecedented Obamacare demise and usual spin of ‘non failure’ by Obama and his talking heads, playing pretend by Obama is getting much harder to do. Mount Saint Healthcare – Helens has erupted, bodies are strewn all over, trees are flattened and 3rd degree burns for those left alive go untreated. Those screaming in pain and being suddenly dropped from their insurance companies (millions) cannot get their application for treatment processed. Others sit in the hall and realize they won’t get treated at all because they are over 70. “Sir, I see the 3rd degree burns oozing all over your body but we cannot see you just yet. Here is some pain medication.”Obama had 2 years to build his Exchange and health care system, including its computer brain. All kinds of expense numbers for this debacle are flying everywhere. Some say the Obamacare computer system has costed over 600 million, while others say it was $394 million and counting. Regardless, this is a several hundred million dollar failure and theft aimed at the American people.
As Obama allegedly raises his Frankenstein computer from the dead (sorry for the insult Frankenstein) it will be the heist computer brain that steals hundreds more millions from us. For our additional blood money we will get a pretend fix or delay. Meanwhile, Obama and his real goal will be on track. Millions more will be dropped from their insurance plans, hundreds of millions of dollars more taken from us, while Obama pieces together his Government – one payer healthcare system to swoop in and fix the problem. Hitler may rise from the dead and sue Obama for plagiarism.
While imparting dramatically more suffering on us, Obama hopes that most of the masses will soon be desperate enough to submit to his ‘single payer’ take over plan. Those of us who will never submit will be targeted, fined, arrested, denied care and destroyed. What is coming next in Obama’s Halloween health care movie is the continued unfolding of his ‘multi level’ heist Ponzi scheme that will make Obama and his goons wealthier and you and I more unhealthy and poor. We will be controlled or eliminated, assuming we let that happen. What is your plan – Submit, deal with it or fight?
Search for answers and who is to blame
Now, we see Congress taking testimony from Health Contractors, while Sebelius is under fire over her ‘nicie nice’ — minimalist talk about the historical Obamacare failure. She is looking more and more like she will end up working on progressive health care under a bus. We shall see.
Who will they go after next, the endless computer techs and staff? When you follow the bouncing ball and tentacles from Sebelius to Health Contractors testimonies to Computer techs and everyone else involved over the last few years, it all goes back to Obama.
This is such an enormous disaster that even the democrats are now split, many saying they will support a delay in the Obamacare mandate.
Just what should go back to Obama – Congress people
There is NO excuse for this kind of incompetence as a President. Obama had 2 years, the best techs available in the world and hundreds of millions of dollars, yet it couldn’t have been more botched! That is because he meant it to fail on his way to his single payer dictatorship.
There was NO excuse in the first place for anyone in the House and Senate to have voted Obamacare into existence and destroy our freedoms, rights, literal health and the best health care system on earth. Now it sits on death row and is terminal. How is the scope of his betrayal and lack of judgment by any President not impeachable or arrest able???
Obama is literally dismantling our country. Why are we letting him???
Americans expect and demand far more from Congress and the Senate than delays, testimonies and investigations. Put your wine glasses down, pull your pants up and make Obama accountable. DESTROY OBAMACARE NOT AMERICA.
2014 elections are quickly on their way. If members of the House and Senate want to stay employed they had best clean out their ears and get the job done!
Join me each night on my national radio show: www.therothshow.com from 7-10pm PAC.
Economist Richard Duncan: Civilization May Not Survive 'Death Spiral'
By Terry Weiss, Money Morning
Richard Duncan, formerly of the World Bank and chief economist at Blackhorse Asset Mgmt., says America's $16 trillion federal debt has escalated into a "death spiral, "as he told CNBC.
And it could result in a depression so severe that he doesn't "think our civilization could survive it."
And Duncan is not alone in warning that the U.S. economy may go into a "death spiral."
Since the recession, noted economists including Laurence Kotlikoff, a former member of President Reagan's Council of Economic Advisers, have come to similar conclusions.
Kotlikoff estimates the true fiscal gap is $211 trillion when unfunded entitlements like Social Security and Medicare are included.
However, while the debt crisis numbers are well known to most Americans, the economy hasn't suffered a major correction for almost 4 years.
So the questions remain: Is the threat of collapse for real? And if so, when?
A team of scientists, economists, and geopolitical analysts believes they have proof that the threat is indeed real - and the danger imminent.
One member of this team, Chris Martenson, a pathologist and former VP of a Fortune 300 company, explains their findings:
"We found an identical pattern in our debt, total credit market, and money supply that guarantees they're going to fail. This pattern is nearly the same as in any pyramid scheme, one that escalates exponentially fast before it collapses. Governments around the globe are chiefly responsible.
"And what's really disturbing about these findings is that the pattern isn't limited to our economy. We found the same catastrophic pattern in our energy, food, and water systems as well."
According to Martenson: "These systems could all implode at the same time. Food, water, energy, money. Everything."
Another member of this team, Keith Fitz-Gerald, the president of The Fitz-Gerald Group, went on to explain their discoveries.
"What this pattern represents is a dangerous countdown clock that's quickly approaching zero. And when it does, the resulting chaos is going to crush Americans," Fitz-Gerald says.
Dr. Kent Moors, an adviser to 16 world governments on energy issues as well as a member of two U.S. State Department task forces on energy also voiced concerns over what he and his colleagues uncovered.
"Most frightening of all is how this exact same pattern keeps appearing in virtually every system critical to our society and way of life," Dr. Moors stated.
The work of this team garnered such attention, they were brought in front of the United Nations, UK Parliament, and numerous Fortune 500 companies to share much of their findings.
"It's a pattern that's hard to see unless you understand the way a catastrophe like this gains traction," Dr. Moors says. "At first, it's almost impossible to perceive. Everything looks fine, just like in every pyramid scheme. Yet the insidious growth of the virus keeps doubling in size, over and over again - in shorter and shorter periods of time - until it hits unsustainable levels. And it collapses the system."
Martenson points to the U.S. total credit market debt as an example of this unnerving pattern.
"For 30 years - from the 1940s through the 1970s - our total credit market debt was moderate and entirely reasonable," he says. "But then in seven years, from 1970 to 1977, it quickly doubled. And then it doubled again in seven more years. Then five years to double a third time. And then it doubled two more times after that.
"Where we were sitting at a total credit market debt that was 158% larger than our GDP in the early 1940s... By 2011 that figure was 357%."
Dr. Moors warns this type of unsustainable road to collapse can be seen today in our energy, food and water production. All are tightly connected and contributing to the economic disaster that lies directly ahead.
According to polls, the average American is sensing danger. A recent survey found that 61% of Americans believe a catastrophe is looming - yet only 15% feel prepared for such a deeply troubling event.
Fitz-Gerald says people should take steps to protect themselves from what is happening. "The amount of risky financial derivatives floating around the globe is as much as 20 times size of the entire GDP of the world," he says. "It's unsustainable and impossible to unwind in any kind of orderly way."
Moreover, he adds: "People can also forget that the FDIC can only cover a fraction of US bank deposits. It's a false sense of security. Just like state pensions, which could be suspended at any time. A collapse could wipe out these programs. Entitlements like Social Security and Medicare are already bankrupt and simply being propped up."
We can see the strain on society already.
In two years, Congress won't have any money for transportation, reports the Washington Post. Cities like Trenton, NJ have layed off one-third of their police force due to budget cuts. And other cities like Colorado Springs, CO removed one-third of streetlights, trashcans, and bus routes, reports CNN.
Fitz-Gerald also warns of a period of devastating inflation. A recent survey, reports USA Today, notes that in the coming years it could take $150,000 a year in household income for a family to afford basic living expenses - and maybe go out to a movie.
Right now, in fact, "52% of Americans feel they barely have enough to afford the basics."
"If our research is right," says Fitz-Gerald, "Americans will have to make some tough choices on how they'll go about surviving when basic necessities become nearly unaffordable and the economy becomes dangerously unstable."
"People need to begin to make preparations with their investments, retirement savings, and personal finances before it's too late," says Fitz-Gerald.
Be sure to listen to Financial Survival radio program live at dgscoins.com and Short-wave radio 7.490 AND 9.880Mhz M-F 4:00PM ET. We broadcast in cities of Spokane KTAC 93.0 5-6pm Eastern, Metairie WVOG 600AM 3-4PM Eastern and Dallas KXBD 1480AM 4-5PM Eastern.
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by Herbalist Wendy Wilson
The definition of lawless is disobedience to established law. What happens to a country that has so many laws that the law volumes would fill a football stadium? What happens to a country when its president upholds only the laws he wants and has been nicknamed by staffers as "The Renegade?" At what point does a nation of laws become a nation of men? The debate over the validity of the Affordable Care Act keeps circulating. One question raised is whether disobedience to this law would bring Federal felony charges and mess up your credit and background check. Can a law that inflicts a tax penalty put you in federal prison? I'm no lawyer but we are a nation of tangled laws and massive regulations. Who would voluntarily give a government jurisdiction over their physical bodies? Will those who do not go along with Obamcare be considered outlaws? We are living in strange times.
COMPLICATE THE COMPLICATED
How many laws does a county need? In 1925 the Code of Federal Regulations (CFR's) could fit into a single volume. The CFR's are regulations passed by Federal agencies in the US and are different from the code of laws which are passed by votes in Congress. The Federal agencies who have the power to create laws received that power through Congress but Congress does not review these regulations which the agencies pass into law. In 2008, if you went to the Library of Congress you would see the CFR volumes and there were 50 titles and the volumes took up ten shelves. Today the Government Printing Office says the US Code has 51 titles. The Justice Department could only try to account for the number of criminal laws and it took two years to compile a list of 3,000 offenses. In 2008, TV reporter John Stossel demonstrated the enormity of our CFR's by stating if you removed the pages from the binding and put the pages end to end they would encompass the length of one and a half football fields. He reported in 2008 there were 175,000 pages of federal laws. In the 1980's there were 23,000 pages. Every three years we seem to accumulate more than 6,000 new laws. What does that say about our society? Of course this does not include the Statutes at Large which Congress deals with each session in Congress. http://blogs.loc.gov/law/2013/03/frequent-reference-question-how-many-federal-laws-are-there/
Prior to 1948 knowledge doubled every fifty years. With the explosion of technology, knowledge now doubles every three days. However, this does not mean that wisdom is doubling.
HEALTHCARE WHICH BURRIES YOU
Most people now know that the Affordable Care Act when it passed through Congress was 2,300 pages. At one point the current administration added 828 pages to the law in one day and now the regulations to Obamacare exceed 10,000 pages and have added over 10,516 pages to the Federal Register. CNS News reported that Obamacare has more pages than the Gutenberg Bible (1,000 pages). Lots of federal agencies are in the Affordable Healthcare pot and have contributed to this monstrosity of regulations such as; The Department of Health and Human Services, Department of Labor, Office of Personnel Management, FDA, Department of Defense, CDC, IRS, Veterans Affairs and Social Security Administration. Notice the last three agencies. Your health impacts your estate and government benefits in ways you never imagined. Some experts are saying that the Affordable Care Act was never designed to be affordable and is not expected to work as it was promoted. This is the Hindenburg of healthcare and it will destroy the healthcare free market to usher in a strict politically-controlled healthcare one payer system. Of course the very lawyers who wrote the law and the politicians who passed it are exempt from its burdens. http://cnsnews.com/news/article/penny-starr/obamacare-regulations-are-8-times-longer-bible
One of the lawyers answered him, "Teacher, in saying these things you insult us also." And he said, "Woe to you lawyers also! For you load people with burdens hard to bear, and you yourselves do not touch the burdens with one of your fingers." Jesus Christ Luke 11: 45-46
WHAT WE DON'T NEED
The Bureau of Labor Statistics projects for US job growth of 6.9% in the area of law. They estimate that by 2020 over 73,000 additional lawyers be among us. http://money.usnews.com/careers/best-jobs/lawyer In the US for every 265 Americans one is a lawyer. Per capita the US has more lawyers than any other nation in the world. The US has 50% of the world's lawyers. What happens when you are the nation with the most lawyers? You not only get more laws, but you have lawyers as political leaders (2 of every 3 members of Congress is a lawyer) and you have cities with a population of 100,000 or more building mega courthouse complexes to keep the lawyers busy with cases. Where do they get their cases? Aside from the criminal felonies the average American is one allegation away from needing a lawyer and having to show up at the mega courthouse complexes that have seven floors filled with courtrooms. I'm serious! These complexes are similar to shopping mall size. In 2012, the examiner.com reported that in the US it is more likely our youth will become a lawyer rather than a soldier, doctor, firefighter or police officer. If you put the enlisted US Army personnel and the American Bar Association licensed lawyer list side-by-side the lawyers outnumber the Army personnel by 10%. Comparing the lawyer list to the AMA doctors the percentage is worse as with most professions. America has over 1.2 million lawyers and 945,000 doctors. The US has more than 200 accredited law schools and 137 medical schools. Admissions to the law schools outnumber those to medical schools by 3 to 1. The US has passed the lawyer saturation point and competition amongst lawyers is fierce. The public schools hold career day and push students towards the following occupations: law, law enforcement, politics and government jobs and medical occupations.
SOME SEE IT & SOME DON'T
Some see Obamacare as a threat to our free market and to personal health and some see it as a necessary change not unlike taxes to pay for roads, utilities and schools. So, the heated debate over national healthcare continues. How many will sign up willingly for the new era in healthcare is a guess. Will the government report accurate numbers? I would say it will be very hard to have accurate rolls with the online problems. I have noticed more people who went online to the exchanges and had to set up an account before viewing the product and cost said that they had deductable and premium sticker shock. I know of two people who received letters from their private health insurance which informed them if they stayed onboard with them they would get a new plan just like the current one but the premium would go up a few dollars and the money they had put toward the deductable for this year would be changed to zero. As usual government run programs are more complicated, less efficient and have accountability problems. The question is should you trust your healthcare to the government, which has a leader who for the last five years has run a nation with no budget and an exhausted debt ceiling? You may want to check this warning regarding the Obamacare insufficient security on the website exchanges offered by Internet security software expert John McAfee.http://www.redflagnews.com/headlines/mcafee-drops-obamacare-bombshell-hackers-will-be-able-to-empty-bank-accounts-of-enrollees Consumer Reports® advises people to stay away from the Obamacare exchange website because over 5 million lines of code need to be fixed. http://www.washingtontimes.com/news/2013/oct/21/consumer-reports-dont-even-bother-trying-obamacare/
Our leaders are suppose to be for good and in doing so are the minister of God because they are subject to the higher power of God. What we have are leaders and legislators who are a terror unto good. Romans 13 talks about good and bad leaders and government leaders are not automatically good and the bad ones are not to be obeyed and that is according to God's word.
HEALTHCARE WHICH LIBERATES YOU
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MORE HERB SECRETS IN THE POWER HERBS e-BOOK. By popular demand The Power Herbs e-book is available with symptom/herb reference guide, information on organ cleansing and how to make your own herbal tinctures plus a whole lot more. You must have email to order and receive the e-book a PDF version of The Power Herb book for just $14.99. At this time, we do not offer this title in hard copy.
COMING UP ON HERB TALK LIVE
Herbalist Wendy Wilson on Herb Talk Live
Saturday morning show:
7 am EST on GCN
7 pm EST on AVR
Shortwave show 8 pm EST WWCR 4840
Go to http://www.thepowerherbs.com/archive.html Herb Talk Live & Radio Archive area for network link access and past shows to download and share. For Android users you can download a FREE app for Herb Talk Live on GCN. See the download link under radio archives at top of page.
The information contained herein is not designed to diagnosis, treat, prevent or cure disease. Seek medical advice from a lincensed medical physician (if you dare) before using any product or therapy.
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