Child Labor Law

Here in the United States of America, in all my 58 years of existence, I never believed that we would ever be taking on a subject which in the past had some serious, dire consequences.

I read the some alarming articles and watched and listened to the news of some Republican Senators wanting to get rid of regulations, rules, and protections that are currently in place in their States Child Labor Laws and the Federal Child Labor Law.

Republican Senator Jane Cunningham from Missouri is pushing for her state to get rid of the protections and restrictions for children under the age of 14.

Republican Tea party Senator Mike Lee from Utah has declared the Child Labor Law as being Unconstitutional. So Utah's Republican Senator Mike Lee wants to get rid of the Child Labor Law altogether.

Have we forgotten the lessons of the past? Are we gonna be forced to repeat the past?

Unfortunately Child Labor in the United States of America before the Child Labor Laws were passed proved to be extremely dangerous for children. In a lot of cases even fatal! The known statistics of their suffered abuses on the job and working conditions were very harsh and deadly.

Is that the future Republicans want for our children?

Be careful for what you wish for. You just might get it.

Correcting All The Wrongs

In listening to conservative media, we might think that Democrats spend while Republicans don't.

But that statement is far from the truth. In California Republicans have always had control of State government with greater more Republicans in California State Legislature. And when the Governor's office was Republican, well it was always a field day of spending.

Fact is that Ex-Governor Arnold Schwarzenegger splurged California Tax Payer's money on unnecessary spending, and it is those unnecessary spending that Democratic Governor Jerry Brown is NOW cutting while saving Billions of Dollars on Each of those that he is now cutting:

1) Cell phones for California State Government employees from Sacramento to local districts, government employees received cell phones bought and paid for with monthly payments on service all done with California Tax Payer's money.

2) Selling of California State Government Property, which was bought and paid for over a century and a half ago, only to lease the property back to the State Government at the expense of the California Tax Payers.

3) Then there is the California Tax Payer funded New Car Purchases for the State Funded Vehicle Fleet that were NEVER essential to the State Government business.

Republican Arnold's mistake was balancing the California State budget by stripping the Public School Funding and using that money to balance the books. Schwarzenegger stripped the money intended for fire fighting using that money to balance the State books while cutting back on fire fighters, fire fighting equipment and their services. Also Ex-Governor Republican Arnold Schwarzenegger stripped the money intended for police departments, using that money to balance the California State books while cutting back on the number of police and services. Yet Ex-Governor Republican Arnold Schwarzenegger just continued to get the State deeper and deeper into the RED DEBT. Do those Republican Schwarzenegger solution's sound familiar? They sure do. Chris Christie is doing the same Republican stuff that did not work for California in his New Jersey State, but will the people of New Jersey see the the parallel universe of the two states?

Well the New California State Governor, Jerry Brown, is having to 'Correct All Those Wrongs' in California. He is getting rid of those unnecessary expenses along with many more while restoring that which makes Californians feel safe, secure, and protects our future generations education. A task that only Jerry Brown knows very well. The same way Jerry Brown in the 1970's had to turn around a poorly financially handled California State which was mismanaged by then Republican Ex-Governor Ronald Regan, Jerry Brown is once again ridding the California State of another Republican's disastrous financial blunder caused by Ex-Governor Republican Arnold Schwarzenegger.

The difference between Republican Chris Christie, New Jersey Governor and Democratic Jerry Brown Governor is, while the Republican Chris Christie wrongly blames the Public Schools Teachers who are teaching our country's future and hopes for destroying New Jersey's economy, and as Republican Governor Chris Christie of New Jersy continues to attack the Fire Fighters who lay their lives on the line every day while he cuts away at their pensions and support, New Jersey will still not be able to fix their Financial mess because the real unnecessary wastes in New Jersey's State is not being dealt with.

Yet Democratic Governor Jerry Brown is taking a real look at the real Government wastes which will save California State in the Billions EACH. And that is just from the first three of real cuts Democratic Jerry Brown is making of which I have listed. Democratic Governor Jerry Brown took the State of California in the 1970's out of the Red after Ex-Governor Ronald Reagan bankrupt the state. And now, Democratic Governor Jerry Brown is at work again in 2011, using real Financial Budgeting Techniques that will put California back into the Black.

Californians forgot how great Jerry Brown was at Correcting The Wrongs when in 1980 they blamed him for the Flooding disastor caused by unusual higher rain fall and poor California soil. Yep, they blamed him for the California soil that cannot literally hold water, causing homes to wash away. But they were also angry that Jerry Brown was running for President , even though Jerry Brown immediately left the campaign and dropped from the Democratic Primary to deal with and clean up that mess. Yet Jerry Brown lost his bid for second term even though he fixed California's financial mess, a task of which NO governor has ever matched. Jerry Brown lost his bid for the second term because Californians blamed him for California's poor soil.

Well, Californians have their priorities straight now. We do understand that a State that has a great budget to work with is the State that never tries to balance the books on the backs of the most vulnerable who live and work in the State, nor does it balance the books by destroying the services that are the most needed for a safe and secure environment.

Denying Responsibility!

From 2009 through the first week of January and even on the day of the Attempt Assassination of the Democrat Washington Representative Gifford, Democrats have called on the Republican Leaders to 'Tone Down The Violent Rhetoric' that Republicans have spewed against the Democrat Representatives.

But the only responses from the Republican Leaders has always been that the violent rhetoric is protected under "Freedom of Speech." Really? Violent rhetoric is nowhere listed in the 'Bill of Rights' as being 'Freedom of Speech'. In fact in most, if not all, the States in the United States of American there has been a law in the USA that Violent Rhetoric of death threats or Violent Rhetoric to bring about physical harm to any citizen in the USA is considered a 'TERRORIST THREAT'.

The only other responses from the Republican Leaders and the Republican commentaries is that people feel frustrated and this is the only response anyone can get across. John Boehner and other Republican Representatives in Washington have said that they will NOT tell their constituents what they cannot say.

Really? Is it really their Constituents who are saying those words, or is it the Republican Representatives and the Republican Spokes people, and the Republican Talking Heads who are the ones stating those violent rhetoric across the USA?

Republican Congressman John Boehner, the Congress Leader, the Republican Congress Majority Leader himself who back in 2010 stated a violent rhetoric himself. It was John Boehner who said that if you don't like the results in Washington and Congress it is time to get your gun. In shock I saw him and heard him speak those words in the media on TV.

In 2009 it was Republican Senate Minority Leader Mitch McConnell who, along with other Republican Representatives in Washington, while holding an enlarged picture poster of Pelosi on the balcony of the building in Washington who kept hitting and violently gesturing a motion with his hand and arm movement against Pelosi's giant picture in front of the First Gathering of the Tea Party, a movement bought and paid for by the company Koch Industries and their subsidiaries. FYI: grassroots movements are from the bottom up. Unlike the Tea Party which was from the Top down.

In 2009 Sarah Palin got into the act with her posting of the Map with shot sites on the locations on the map of Democrat Congress offices at their local state offices along with the addresses and names of the Democratic Congress on her own web pages. Her own Facebook page and her own Political page. However, just recently after the attempted assassination of Gifford, someone associated with Palin did get rid of the map on Sarah's political page.

From 2009 through 2010 much of Sarah Palin's speeches and talking points have always been using the Violent Rhetoric as she tells her audiences that when they don't get what they want from Washington, it's time to get their guns. Of course her most recent speeches has added the words, that she doesn't advocate violence. Yet with her gun message and her gun shot sites on a map of Democratic Congress state locations that was posted on her Political Page which just recently removed the map, and her Facebook page it has all the proof of being Violent.

From 2009 through 2010 Rush Lumbard stated many of his Violent Rhetoric such as: if you don't get your way in Washington then it is your duty to get your gun. In fact Recently in the past few months of 2010, Rush Lumbard even stated a Violent Rhetoric against our First Lady Michelle Obama.

And now here we are, on the Monday after the Saturday morning Attempted Assassination of Democratic Arizona 8th District Congresswoman Gabrielle Gifford. The Attempted Assassination by Jared L Loughner was planned well in advance. The proof of the Attempted Assassination being planned in advance and premeditated was on his blogging days, weeks before stating that this was going to be his lasts postings, along with a letter he had in his safe in his room. That letter had the word Assassinate and the name of Democrat Congress member Gifford as his target.

The definition of Assassination is to target to murder of a prominent person, a political figure for political reasons.

The points in the definition of assassination was in much of the Violent Rhetoric and gestures stated and or done by Republican Leaders, Republican Representatives, Republican Politicians, Republican Talking Heads. Why do I say this? Because the Republicans from Boehner to Mitch to Palin to Rush Lumbard to Bech all Targeted Democratic Prominent and Political figures for Political reasons in their own VIOLENT RHETORIC against the Democratic Party as a whole.

These past few days all we are getting from the Republican Leaders, Republican Politicians and Republican Spokes people, like Congressional Republican House Leader John Boehner, Senate Republican Minority Leader Mitch McConnell, Republican Politician Ex-Governor Sarah Palin, Rush Lumbard, Bech, and other Republicans in both houses in Washington is TOTAL DENIAL!

Today Monday January 10 2011 the Republican Talking heads in the News Media and their Reporters are making statements that even though the letter had the name of Gifford in the letter with the word assassinate, those Republican talking head reporters are making statements that there is no proof of attempted assassinate. Wow, talk about Denial.

Losers and Winners

On abc.go.com Ron Scherer tells, us that there are some states that are states who are winners in the Health Care Reform and there are looser states now that the Health care Reform has passed. And what did he base his speculations on? Could it be that he is hoping that unemployment rises for his speculations to come true? His full of Speculations article - Health Care Reform Fallout: Which States Are the Winners? should be read with an open mind as to the direction unemployment goes, either up or down. Not just if it continues to stay the same or goes up.

OK, so it does benefit the states which already provide it to childless adults? The Federal government will pick up the financial burden which those states already have in the way of providing 50 percent reimbursement, saving the costs to those states half of what they are now paying. But as many of the people in those cases get jobs so does the costs. We all know that those states regard it as a temporary help for those on the programs. Not only is it hard to get on with strict guidelines but it is hard to stay on since most cases are considered are considered the key word "temporary".

And why does he consider the other states losers? Those that do not already have the program in place will receive the 100 percent start up costs, but over time those states will have to pay more of their own costs. Now try to remember that Republican and Tea Party are against any help for the unemployed uninsured down trodden American Citizens.

I'm sorry Mr. Scherer, since when is having to pay back a 'Portion' of the 100 percent of taxpayers money back to the Federal government which provided it a bad thing? Isn't that what taxpayers want? And don't you consider the Unemployed of the middle class situation in this country a temporary thing?

The truth is that many of those who are unemployed will no longer be unemployed in 3months, in 6 months, in 12 months.
The truth is that by 2014 many unemployed and uninsured will no longer be unemployed or even uninsured.
The truth is the uninsured who do work, make an income that does not qualify them for the state's program.
The truth is the uninsured working for companies which lowered the hours of employees so they do not qualify for medical insurance coverage from their employers also do not qualify for the state's program because they're working and have income.
The truth is the States will be spending less than estimated by all the Republican and Tea Party Talking Heads like you.

The Public Option is not in the Health Care Reform Law, But if it was than the situation for those states would have been a lot better because the Public Option was private insurance subsidized by the government like the way an employer subsidizes for their employees. It would be as if it were a more affordable HMO. But as it stands, the Public Option is out. So by fighting the private insurance affordable Public Option you Republican talking heads helped burden the medicaid. I and all states would like to Thank You for doing just that.

The Reporter Mr. Scherer on abcnews.go.com seems to base his theory on his speculating that the unemployment numbers would go up instead of down. And ABC, CNN, Fox news, with other news outlets also seem to be giving a lot of credibility to those types of speculations.

When did Intelligence Fail?

It has been reported that Obama found proof that the failed bomber, Abdumutallab, was connected to al Qaida group in Yemen. And of course, Republican talking heads are blaming Obama for not catching the bomber before he got aboard the plane months ago. Yet since Republicans want to go backwards and claim that there should have been warning signs in Stopping the attack before the Umar Farouk got on the plane, then we should go Farther back to 2007 with Two of the Main MasterMind Planners of that Attack.

Why? Because in 2007 Those two MasterMind Planners were Released from Guantanimo Prison by Bush and Cheney. But both Cheney and Bush stood infront of the cameras on the News claiming that the Detanees they released in 2007 were not terrorist. However, now we know that at least One of the Two MasterMind Planners was in Bush and Cheney's program for 'Terrorism Rehab'. That means that One of the failed Christmas attack planners was already a known terrorist. That means that Cheney and Bush had Released a known terrorist in 2007. And the posibility that there may be more out there who were released in 2007 by the Bush and Cheney Republican Administration is very frightening.

So if Republicans want to go to the Beginning of the Actual Planning of the Christmas attack, I am sure investigative reporting is more than happy to comply. After all Republicans can't hide the truth in todays technology when in 2007 it was reported in the news aired on TV that Republicans Released those same Detanees, who then became the Masterminds in 2009 to plan that attack.

Now I ask all you Republicans, When did our Intelligence Fail? Did it Fail this Christmas? Or did it Fail back in 2007 when You Republicans released those Two Mastermind Detanees from Gauntanimo Prison?

Decisions of the Past

It was reported on various news that the Fort Hood shooter was a soldier who was promoted to a high ranking officer during the Bush and Cheney years even though Hassan's Army file had reports and warnings in it of his Anti-American and Pro-Terrorism Views.
What ever policies and decisions made regarding Hassan's promotions while ignoring the warnings in his file during the eight years of the Cheney and Bush and the Republican Administration personnel prove to still Reek Havoc on the American People.

Two of the mastermind planners of the failed Christmas jetliner attack were released in 2007 from Guantanamo Prison by Bush and Cheney.
One of those masterminds was in a Rehab for terrorist program at Guantanamo just before he was released in 2007 by Bush and Cheney.
Bush and Cheney statements on National TV that the detainees they were releasing in 2007 were Not terrorists were proven to be a lie this Christmas.
What ever Policies and Decisions made regarding the two mastermind planners of that failed Christmas Jetliner in releasing them from Guantanamo Prison back in 2007 by the Republicans Cheney and Bush and the Republican Administration personnel prove to still Reek Havoc on the American People.

As The Political World Turns

Nine months into the new presidency, a lot has changed. Yet the attitudes and push for what does not make sense remains the same.

In a television political commercial a woman claims that in these hard times moms are struggling to feed their families. The young actress hired to play a mom in that commercial also states that she is opposed to the tax on SODA, because as she puts it - that tax on soda will make it hard for her to feed her family.
I am a housewife, a mother, and a grandmother. I may not be a career actress getting paid good money to appear in commercials, but even I know that *SODA is a carbohydrate and that carbohydrates turn into pure sugar in the human body. And that one 12oz can of SODA is equivalent to one full cup and a half of sugar.
Why would a mom want to feed her children that?

Just wandering.

Los Angeles County Drivers

I have a hard time understanding the drivers in California, especially in Los Angeles County, California. It seems that the average driver in the Antelope Valley of Los Angeles County in California only obeys the Rules of the Road they agree with.

You see, I now live in Palmdale, California. A pleasant stretched out land of a desert type city where the Business districts and Residential districts or neighborhoods are clearly mapped out in the design of the city.

My street is a cuddle sack with a home at the end of the cuddle sack, yet on occasion I have witnessed a driver or two, who do not live on our street, turning into our street at high speed. But to get to our street there is two other small streets that are surrounded by homes. This is a residential neighborhood after all. And I have witness quite a few of drivers speeding up while children from school begin to cross one of those small residential streets. This is very frightening but also illegal.

Yep, according to the California DMV booklet for the Business or residence districts, Which does include neighborhoods, The speed limit is 25 mph, unless otherwise posted. Well there is no otherwise posted sign down my street.

So why are people in Palmdale's eastside in the Antelope Valley of Los Angeles County in the State of California Driving 40 to 50 mph down the neighborhood streets? And why have none of those drivers ever been issued a speeding ticket?

I have also witness this strange behavior of the California drivers in the Antelope Valley here in Palmdale driving that fast down other neighborhood streets as I walk to the stores. I can not even begin to tell you the number of times I have witness drivers trying to race a mother pushing a stroller crossing the street. It just boggles my mind how these drivers were able to be issued a drivers license in the first place.

Even in the Business corner of the Shopping centers drivers are driving a lot more than 25 mph. The speed limit signs giving the speed limit are away from those locations, so why doesn't the California driver obey the law of 25 mph in the business districts as well?

Maybe if Governor Arnold 'I'll be back' governor wanted to really make some money he would insist that the traffic cops plant themselves at these locations and right out those tickets so the State of California can make some money. I bet if everyone violating that law of 25 mph were given a ticket in the Los Angeles County alone, it would fix California's economic crises.

And The Beat-Goes-On!

I took a much needed break during the Holliday Season.

There is so much in the news with:
Hamas and the Israeli fighting in Gaza.
Russia turning the switch off on the gas for heating throughout Europe during a bitter cold winter.
A Power Plant in Tennessee releasing Toxic-Sludge, causing a Harmful Toxic mess. Pennsylvania Security guards sleeping on the job at a Nuclear Plant.
The truth about the Economic mess which will be inherited by the new Obama Administration when it takes over after the Inauguration swaring in ceremony on January 20 2009.
Another report being released about the most current job loss being higher than last reported.
The year end report of the jobs loss, the unemployment rate average for the year, and the average of those who just dropped out of the system (unable to get a job yet no longer qualifying for unemployment)
And the Beat-Goes-On!

Who is the real Maverick?

An interesting change is already happening in Washington, with the President Elect, Obama, having a productive meeting with John McCain. This is the first time since before the Presidential Campaigning that the two men have sit down to discuss the issues together in a bipartisan way.

In the news article on ABC News website the writer Jake Tapper tells us, The two later released a joint statement, saying, "At this defining moment in history, we believe that Americans of all parties want and need their leaders to come together and change the bad habits of Washington so that we can solve the common and urgent challenges of our time. It is in this spirit that we had a productive conversation today about the need to launch a new era of reform where we take on government waste and bitter partisanship in Washington in order to restore trust in government, and bring back prosperity and opportunity for every hardworking American family."

Yes it looks as if John McCain, who claimed to be the Maverick is out Mavericked by Obama whom McCain called 'That One'.

3 Major Auto Industries Blame Who?

It is Saturday, November 15 2008. A week after the election economic troubles is still brewing for GW Bush's year end. The Final days till January 20, 2008 are still filled with more financial evils with the 3 major American auto industries now threatening to lay off workers if they do not get a bail out. It seems so strange to me that just before the November 4 2008 elections, the American auto industry said nothing of any problems. In fact, they hid their predicament so well. So why did they all of a sudden feel they needed to make the demand? Just what brought that on? Would those 3 American auto makers had made the same threat if the Republicans, McCain and Palin, were elected?

Yet the same old imaginary villain who the 3 American auto makers blame are the Unions. It seems that the same old song of the Republicans and the manufacturing industry is to cry about how the Unions are to blame for the over spending, over extending mistakes of the Companies. Yeah it seems the Old 3 Manufacturers are following suite of the companies of our past of bellowing out that Old Republican refrain from Reagans time of blaming the Unions instead of taking a good look into their own mirrored past that could explain why their present situation has come to pass.

Those 3 auto makers had been sending jobs over seas as they opened new manufacturing plants in other countries where they were building the more economical cars for decades, while they laid off employees, down scaled work and jobs, and closed a few auto plants here in the States. During these last 8 years of GW Bush administration, toward the end of the year, at least one of the auto giants here in the USA has laidoff some of it's workers. But when you add the number of those laid off during these last 8 years, you can begin to realise that the auto makers have caused this negative aspect themselves.

How can Americans buy the goods and services in this country, if the American Businesses keep laying off the American workers in this country while closing up shop in this country? Yep, it still has not occurred to the American Corporations that taking jobs away from the American worker also takes away the buying power of the American middle class worker. The American companies have yet to figure out that by making the American Middle Class Worker unemployed and devaluing the work of the American Middle Class Worker has stripped away 'The Cycle of the Economy'.

When will the companies realise that every time they make Americans unemployed, those same companies which relied on the American consumer, just keep shooting themselves in the foot.

Campaign Lies

Yesterday, November 4th 2008, a Democrat who is a Black man named Barack Obama was elected to be president. Of course he will be sworn in during the inauguration ceremony on January 20, 2009 Inauguration day. But this campaign was unlike any other. There were the lies and innuendo, which we do normally experience. But this time, we actually had a fact check to mark the lies. John McCain, the Republican candidate told quite a few out right lies. Of course my list only has a few of the false, misleading, lies. I only went as far as one month's worth.

John McCain and his running mate Sarah Palin called Obama a Socialist. They said over and over again that Obama was going to share their supporters wealth and distribute their income to others. They had a Joe the plumber who they paraded around as proof because Joe the plumber said that Obama's tax plan sounded like Socialism.

Well Fact Check called that misleading (a lie). According to Fact Check During the panel discussion, Obama talked about court rulings and "redistributive change" from a historical legal perspective but there's no indication that he was advocating "redistributing wealth and income" which McCain and Governor Palin lied about. That also means that Joe the Plumber whom McCain and Palin had campaign with them also lied when he said that Obama's tax plan sounded like socialism.

John McCain and Sarah Palin claimed that Obama has Political links to Khalidi whom they claim is a Muslim terrorist.
What was the verdict from Fact Check regarding John McCain's claim against Obama? The verdict was considered misleading (a lie), since John McCain chaired the IRI which funded the CPRS which was co-founded by Khalidi.

And what was the verdict from Fact Check regarding Sarah Palin's claim against Obama? The verdict was considered misleading (a lie), While Khalidi eight years ago hosted a political fund-raiser for Obama, the two men strongly disagree over the Israeli-Palestinian issue and there's no evidence of a continuing political relationship.

John McCain made the statement: "According to the independent Center for Data Analysis, Barack Obama's new policies will destroy nearly 6 million jobs over the next decade."
What was the verdict from Fact Check regarding John McCain's claim against Obama? According to Fact Check the verdict is False (a lie). The study does not say Obama's plan would "destroy" jobs.

John McCain said that Obama and Biden are inconsistent on who will get the tax cuts. According to Fact Check the verdict is False (a lie). What McCain is doing here, in part, is comparing apples and oranges. He compares two different aspects of Obama's tax plan as if they were the same. And Biden never said people making less than $150,000 are the "only" people who would get a tax cut under Obama's policies.

McCain's VP running mate Governor Sarah Palin stated that Obama only served 300 days in the Senate before he became a presidential candidate.
What was the verdict? According to Fact Check that statement was false (a lie). Actually Obama served 743 days in the Senate working. Now 304 of those days he worked while the Senate was in Session. But the Senate works in the Senate even when the Senate is not in Session. So again, according to Fact check Sarah Palin lied.

McCain made said, "Sen. Joe Biden, Obama's VP running mate, had this cockamamie idea about dividing Iraq into three countries."
What was the verdict? According to Fact check it is false (a lie). Biden proposed decentralizing Iraq's government, but not breaking up the country.

Change Is Here

I have witnessed many things in my life time. At 4 years of age in 1957 in Chicago Illinois, I witnessed my father being told that he had to sit in the back of the bus, but because I was white looking the bus driver told my father that I could sit in the front. Even then I had the good sense to grab my father's hand and say, "Daddy, I want to sit with you."

At the age of 12, I remember watching TV at a peaceful civil rights march led by Martin Luther king in Chicago South Side in the 1960's. I watched in horror as white men, their wives, and their children were throwing bottles and bricks at the peaceful marchers as the Police stood on the side lines and did nothing. And as the civil rights marchers were being hit by the bottles and bricks thrown at them, I witness the blood as the marchers fell.

One news reporter captured a Chicago police officer saying, "We don't want their kind here."

Yes, I have witness many things in my day. But I never thought I would ever witness a Black man elected President in my life time. God Bless the United States of America. God Bless Barack Obama. God Bless the Obama family. And God Bless the Biden family.

The Continued Global Economic Crises

It is Monday October 6 2008 9:06 am Pacific Time in the USA and our markets have began to continue their downward plunge after the markets in Asia and Europe did a downward spiral on their Monday which is our Sunday. Try to remember that those countries are one day ahead.

I just wonder, since the Bush Administration pushed for and got laxing regulations during most of the 2 terms of Bush, and since the same Financial companies, Banks, and Wall Street corporations all benefited from those laxed regulations thus being able to do their deceitful business transactions with no oversight or accountability, how would throwing tax dollars at them suppose to improve the economy?

I have a hard time with the Bush Administration concept that throwing away 700Billion of tax payers money with the 150Billion of the sweeten deal at the same scrupulous companies and their devious transactions is suppose to improve the economy.

Just HOW does it improve the economy anyway?

Asia and Europe Markets Plung after US 4th Bail Out

It is Sunday, three days after the Congress voted for the 700billion dollar sweeten deal, in the United States but it is Monday in Asia. And in the Far East the Stock Market took a plunge.

In an article written by Alex Kennedy with the Associated Press in Singapore, the Asian and European Markets spiraled downward because they could not trust that the U S government bail out was enough to help the world economic crises.

What? The Europe and Asia Markets could not trust that the US government Bail Out as enough to help the world economic crises?

Why don't they do their own bailing out? Our U S Government is using the money of the tax paying working Middle class United States Citizens to bail out the Financial corporations, the banks and Wall Street. The federal tax dollars are supposed to be used to RUN THE GOVERNMENT not bail out companies. The federal tax dollars are supposed to be used to pay for the Government services that are suppose to be provided to the US Citizens, not given to CEO's. And how does that translate into bailing out the whole world?

You know what Asia and Europe? I have some advice for you. " BAIL YOUR SELVES OUT! " Enough already!

The U S economy is on the brink because of regulations that were altered by the Republicans in the Bush White House Administration.

Maybe you in Asia and Europe also took out regulations that protected the economy, and that could be why your economy is not doing well. Do you want to fix your economy, then put the regulations in your market and corporations to prevent the destruction of the economy as well. Try it, it just might work.

Too bad the Republican Bush Administration had spent most of the last 8 years to do away with those regulations. Wouldn't it be just PEACHY KEEN to see those regulations back in play, fixing the economy?

Sweeten 700Billion Deal

It has been one and a half week of president GW Bush demanding that the Congress approve a 4th bail out bill for the Financial Corporations, Banks and Wall Street. Only this time it was 700Billion tax dollars being decided on.

However, at first the Republicans walked out of the meetings. They refused to approve the 700Billion bail out the way it was written. Of course the Democrats also did not trust the bill that was presented to them because the Democrats wanted regulations and limitations added to it.
But that is not what the Republicans were concerned about and it is not what they wanted added to it. No! The Republicans in the Senate stated they would vote for it if they rewrote it. Well they did, and the Republicans added a lot of pork which has come to be known as the sweet deal.
Yet there was NO REGULATIONS, NO LIMITATIONS, NO RESTRICTIONS, and NO GUARANTEES for the American Tax Paying working middle class people.

The 7 1/2 years of the Republican GW Bush presidency has given us a roller coaster economy EVERY SINGLE YEAR since 2001. Guess Republican Bush just wanted to leave his office with something big to be remembered for in history. And it looks like he got his wish.

The Biggest Bank Failure, Is My Bank!

I just read an article by Charles Herman and Daniel Arnall from September 25, 2008, FDIC: 'WaMu the Largest Bank Failure Ever'. What a surprise. WaMu, short for Washington Mutual, just happens to be my bank. You can bet that it took me by surprise to read it. Especially since I was never given any indications at all that there were any problems. JP Morgan Chase & Co. has bought up the working assets of Washington Mutual. It is the largest Savings and Loan bought for 1.9billion. What a bargain? Considering that it costs American Taxpayers 700 billion to bail out Wall Street. Too bad, we could bail out WaMu for 1.9 billion instead.

There was no impact on the customers and depositors of WaMu. The name will remain the same for now. Washington Mutual did have 307 billion dollars worth of Assets, which made the it possible to save the bank.

Why is this story so important? This story comes at a time when we are already dealing with our government Bailing out the companies, Financial Corporations and Banks of Wall Street for the 4th time within a 7 month period. But this fourth time bail out is using 700 billion dollars of Federal Taxpayer's money.

It makes me very angry and sick. I am especially confused. I always believed, as did most Americans, that our tax dollars paid for our Government and the Services they provide. But how can any of the Services they provide exist if the money is going for Bail out of the CEO's, Financial corporations and the Banks who all made Devious Financial Business Transactions.

We were told that the government passed the Bail out with Oversight attached. I hope there are some strong regulations and ethical restrictions prohibiting the same type of Deceitful Business transactions from ever occurring again.

Rising Foreclosures And Delinquencies

And just when you thought it was getting better. Well it's not. No!

According to Alan Zibel, an AP Business Writer for on line news, now the blame has been shifted again. Yep instead of it being borrowers with bad credit, now the blame is homeowners with good credit who took out exotic loans with ballooning monthly payments. Well I cannot speak for the other home owners, but I was told that my loan was a 30 year fixed. I did not want an exotic, balloon loan. But unfortunately my husband and I found out too late that the broker for the lenders lied to us. And after our loan was sold to another lender that was when the real problems started to come with the medical bills piling up. Don't you just love it when they LUMP all the homeowners into one category?

In the news Alan writes: The problem that policymakers and Wall Street once assured us was 'contained' to subprime mortgages has proven to be anything but," Mike Larson, a real estate analyst with Weiss Research, said in a research note. Gee, even I new that before I read it in Zibel's news article.

Now we are being warned that this wave of mortgage defaults flooding the market, with homes plunging in value, is expected to continue through the year 2010. One of the faults is loss of income or drop in income with either unemployment, health and medical, or loss of a spouse through death or divorce. And the numbers are climbing with new foreclosures rose from the first quarter in 35 states and Washington, D.C.

There were a few states where the foreclosures declined, but that was because those states passed laws to slow the foreclosures process and give the homeowners time to catch up on their payments.

Yet the blaming continues with the nick name "Liar Loans" because they claim that the incomes were not documented. That is a lie. My husband is a computer contractor who works for different consulting firms for their clients and we do our INCOME TAXES every year. Our income is well documented.

So Go ahead and blame the consumer. After all, we have had eight years of the Bush Administration, the Republican economists experts, and the Business news media who every year have blamed the American consumer for not spending enough. In fact, beginning November and December of 2001, all we got was complaints on how our not spending more was driving down the economy. Too bad we are not given an opportunity to review those news casts from money news on CNN, Fox cable, MSNBC and all the local station news as well along with all the Republican financial experts telling Americans that they should be using their credit cards more.

Yep, these last eight years, each and every year, the Republican financial experts and money news reporters have blamed the financial mess on the American consumers.

Job Loss Still Rising

The Associated Press on line reported on Sept 5 2008 the unemployment rate is higher than the economic experts expected. Yep, Employers slashed 84,000 jobs in August as we hit a 6.1 five year high in unemployment. A financial toll is effecting our economy as the housing, credit and financial crises worsen. The employment deterioration tumbled all major stock indexes on Thursday. Yet I do not recall hearing anything of it on any of the news stations or the local news.

In fact, the number 84,000 does not seem to add up to the list of jobs that were loss in the government's Labor Department Report. In the report the lists include: "Factories cut 61,000 jobs, construction firms eliminated 8,000 jobs, retailers axed 20,000 slots, professional and business services slashed 53,000 positions and leisure and hospitality got rid of 4,000." You do the math.

Now also in the same news article in the Associated Press: "Job losses at all private employers -- not including government -- came to 101,000 in August." It seems we just keep getting higher figures in the reporting, yet the government report have the number lowered.

Loss Mitigation or Delinquent Department

I have experienced something horrifying to me. If it isn't illegal, it should be.
This all began shortly after my original mortgage company sold my account. At first I was OK by it. Then our life began to take a turn for the worse a combination of unemployment and illness.

My husband's permanent secure high tech job disappeared back in 2002 to outsourcing. Since that time we have managed to stay afloat with my husband working temporary contract jobs in his field. Of course those jobs are not easy to come. They are few and far in-between so I managed to put some money aside during his working sessions so we do not loose the house when the next job is hard to come by .

However, we encountered a set back with my husband's health when he was suffering from gall stones in his gall bladder while he was unemployed. First it took a long time to get a doctor and a hospital to diagnose the problem. Why? We do not have insurance, and I found out that unless the doctors can pin point the problem, they do NOT have to treat you. It took more than 6 months of my husband suffering before someone at a hospital took his pain seriously and finally performed the operation of removing the gall bladder. It has been five months since the operation and he has had no more problems. My husband even had a job waiting for him to start. Within a two week period he was on the new job.

We did fall back just a little so I called to make a payment in late March. Saxon told me to filled out Loss Mitigation paperwork with Saxon Mortgage and not to make a payment until they had a chance to work out a plan. As soon as I received and completed the Loss Mitigation paperwork, I faxed it to them April 8 2008. I never heard from Saxon, so I called a week later. They claimed there was nothing on their computer about the Loss Mitigation, So I redid the paperwork and faxed it the Same Day April 12 2008.

Yet I still had not heard from them so I decided to send a May payment in good faith. But the mortgage company did not acknowledge that they received it. In fact I did not receive a statement. Not wanting to give them a reason to take my home, I sent another payment June 8 2008 using an older payment stub and a letter. A week later I received a call from the mortgage company. They did acknowledge receiving the May payment, but they placed it in another account to use toward a repayment plan. The mortgage company also asked if I paid another payment, it would aid me in my repayment plan. But after that not to send any more until a plan was worked out.

Well I informed Saxon that I did send out a payment a week prior. And few days later, I checked my on-line bank statement and the second check was paid out to Saxon Mortgage on June 17, 2008. The money was subtracted from my checking account on that day by the bank in my checking account. I thought everything was fine, UNTIL...

When I still did not hear from Saxon nor receive any statement during the week of July 20, full month later, I spoke with Stanley a representative of Saxon. Stanley of Saxon delinquent department claimed that Saxon did not receive that June check. He wanted me to send proof of confirmation. So I quickly got a copy of the front and back of both checks from my on-line banking which showed the date it was cashed and paid to Saxon mortgage along with a running on-line balance bank statement of my checking account showing when both May and June checks were paid out. According to my bank, it clearly showed the second check being paid on June 17 2008, more than a full month before. I faxed it to the Delinquent Department fax number provided to me by Stanley with Saxon Mortgage.

Several days later they still claimed they did not receive it. Then I told the person over the telephone that I did faxed it too them and I will again go ahead and re-fax the information to him right then and there. He then claim that he finally found the information and did acknowledge that I paid it, but he claimed that they did not received the check until June 21, 2008. In fact the Saxon representative claimed that I broke contract with the company because he claimed that I was suppose to get it to them by June 20, 2008.

Well, 'DO-THE-MATH!' My bank subtracted the money from my Bank checking account, paying it to Saxon Mortgage on June 17, 2008, which is four (4) days prior than June 20th. Now the mortgage company delinquent department wanted me to refill out the Loss Mitigation paperwork based on their claim that they did not get the check until after a date they set. Yet no one ever set a date with me since I already had sent the check PRIOR to the discussion of me sending a second check. Well I still had the originals saved on my documents so I refilled them and faxed the paperwork immediately.

Yet something kept stirring at me. I felt as if I was being conned and my information was being manipulated by the Saxon mortgage. I began to believe that Saxon was deliberately setting me up so that they could foreclose on my home. The recent news of a family whose home was foreclosed and the wife committing suicide came to mind. The husband claimed that his wife was working with the Mortgage company's Loss Mitigation department for months and she was constantly calling them sending them more paperwork. He mentioned that she had to redo the paperwork several times because their mortgage company claimed there was a slip up, or they did not get it, or it wasn't gotten to them on time. Maybe, I would not had paid attention to the news when they spoke of that on CNN, but it was the 'COLDNESS' of the TV CNN money news people that got me. That was why I remembered it.

Although I never received a notice of any foreclosure, I was so frustrated and fearful of loosing my home that I told my son we may end up loosing our home if Saxon continues to playing with me.
On July 25, 2008 my son connected me to a friend of his who did a three-way calling for me to speak yet with his friend who just happens to work for a company that specializes in negotiating better mortgages for the homeowners. Since July 28 2008, I hired his company to negotiate on my behalf for a much better mortgage with Saxon. His words were, Stop paying them, do not talk to them, if they call tell them that my company is doing your talking for you, and if anything regarding foreclosure should come in your mail just FAX it too me immediately so that I can stop the foreclosure process.

I did finally begin to receive a Saxon billing statement on August, but it had the payment as received by Saxon on July 10 2008.

What a bunch of crock??? Saxon manipulated the information in their computers so much that they have the funds for the check, which was cashed and paid by my bank to Saxon on June 17 2008, as received and paid a FULL MONTH later.

Isn't it illegal for Financial institutions to be manipulating the information of the homeowners just so they can STEAL the homeowners home right from under them? The FBI and the IRS should be freezing Saxon's operations, and assets immediately. Everyone from the owners of Saxon to the top CEO to all the employees in the Delinquent Department and the Loss Mitigation Department should all be arrested and taken away in hand-cuffs and NEVER ever be able to 'SEE-THE-LIGHT-OF-DAY' again.