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11 Economic Crashes That Are Happening RIGHT NOW!

15 Monday Apr 2013

Posted by John Loeffler in Americans, Bankruptcy, Banks, Bitcoin, Consumers, Economic Collapse, Economy, European Union, Europeans, Global, Gold, media blackout, Money, Silver, Stock Market, stock market crash, U.S., Uncategorized, Unemployment, Unemployment Rate, United States, Wall St.

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Americans, Bankruptcy, Bitcoin, casinos, consumer spending, decline, Economy, Energy, EU markets, Europeans, gold, oil, retirement funds, silver, stock market crash, stocks, U.S, Unemployment, United States, Wall Street

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The stock market is not crashing yet, but there are lots of other market crashes happening in the financial world right now.  Just like we saw back in 2008, it is taking stocks a little bit of extra time to catch up with economic reality.  But almost everywhere else you look, there are signs that a financial avalanche has begun.  Bitcoins are crashing, gold and silver are plunging, the price of oil and the overall demand for energy continue to decline, markets all over Europe are collapsing and consumer confidence in the United States just had the biggest miss relative to expectations that has ever been recorded.  In many ways, all of this is extremely reminiscent of 2008.  Other than the Bitcoin collapse, almost everything else that is happening now also happened back then.   So does that mean that a horrible stock market crash is coming as well?  Without a doubt, one is coming at some point.  The only question is whether it will be sooner or later.  Meanwhile, there are a whole lot of other economic crashes that deserve out attention at the moment.

The following are 11 economic crashes that are happening RIGHT NOW…

#1 Bitcoins

As I write this, the price of Bitcoins has fallen more than 70 percentfrom where it was on Wednesday.  This is one of the reasons why I have never recommended Bitcoins to anyone.  Yes, alternative currencies are a good thing, but there are a lot of big problems with Bitcoins.  Why would anyone want to invest in a currency that could lose 70 percent of its purchasing power in just two days?  Why would anyone want to invest in a currency where a single person can arbitrarily decide to suspend trading in that currency at any time?

An article by Mike Adams of Natural News described some of the things that we have learned about Bitcoins this week…

#1) The bitcoin infrastructure cannot handle a selloff. Once the rush for the exits gains momentum, you will not be able to get out. Only those who sell early will be able to exit the market.

#2) The bitcoin infrastructure is subject to the whims of just one person running MTGox who can arbitrarily decide to shut it down whenever he thinks the market needs a “cooling period.” This is nearly equivalent to a financial dictatorship where one person calls the shots.

#3) Every piece of bad news will be “spun” by exchanges like MTGox into good-sounding news. As bitcoin was crashing yesterday by 60% in value in mere hours, MTGox announced it was a “victim of our own success!” So while bitcoin holders watched $1 billion in market valuation evaporate, MTGox called it a success. Gee, then what would you call it when bitcoin loses 99%? A “raging” success?

#2 Gold

The price of gold was down by about 4 percent on Friday.  Gold has now fallen below $1500 an ounce for the first time since July 2011.  Overall, the price of gold has fallen by about 10 percent since the beginning of the year, and it is about 22 percent below the record high set back in September 2011.

Yes, the price of gold is likely being pushed down by the banksters.  And yes, gold is a fantastic investment for the long-term.  But there will be times when the price of gold does fall dramatically just like we saw back in 2008.

#3 Silver

The price of silver fell by about 5 percent on Friday.  If it falls much more it is going to be at a level that presents a historically good buying opportunity.

Just like gold, there will be times when the price of silver swings dramatically.  But the truth is that silver is probably an even better long-term investment than gold is.

#4 Oil

The price of oil declined by about 3 percent on Friday.  Many will consider this a positive thing, but just remember what happened back in 2008.  Back then, the price of oil dropped like a rock.  If the price of oil gets below $80, that could very well be a clear signal that a major economic crisis is about to happen.

#5 Consumer Confidence

As I mentioned above, consumer confidence in the U.S. just had its biggest miss relative to expectations that has ever been recorded.  The following is from an article posted on Zero Hedge on Friday…

Well if this doesn’t send the market into all-time record high territory, nothing ever will: seconds ago the UMich Consumer Confidence plummeted from 78.6 to 72.3, on expectations of an unchanged 78.6 print. This was not only a 9 month low in the index, but more importantly the biggest miss to expectations in recorded history!

#6 Retirement Accounts

According to Wells Fargo, the number of Americans taking loans from their 401(k) accounts has risen by 28 percent over the past year…

Through an analysis of participants enrolled in Wells Fargo-administered defined contribution plans, the bank announced today that in the fourth quarter of 2012, there was a 28 percent increase in the number of people taking loans out from their 401(k) and that the average new loan balances increased to $7,126 from those taken out in the fourth quarter of 2011 – a 7% increase from $6,662.

Of the participants who took out loans, the greatest percentage were to people in their 50s (34.2%), followed by those in their 60s (28.9%) and then by those in their 40s (27.3%). The increase among participants in their 50s was nearly double the increase among those under 30. This is based on an analysis of a subset of 1.9 million eligible participants in retirement plans that Wells Fargo administers.

“The increased loan activity particularly among older participants is concerning because those are the years when workers can start to make ‘catch-up’ contributions and really need to focus on preparing for retirement,” said Laurie Nordquist, director of Wells Fargo Retirement.

#7 Casino Spending

Casino spending is declining again.  Many people (including myself) would consider this to be a good thing, but casino spending is also one of the most reliable indicators about the overall health of the economy.  Remember, casino spending crashed during the last financial crisis as well.  That is why it is so alarming that casino spending is now back to levels that we have not seen since the last recession.

#8 Employment In Greece

Over in Europe, things just continue to get worse.  According to numbers that were just released, the unemployment rate in Greece has soared to 27.2 percent, which was up from 25.7 percent the previous month.  That means that the unemployment rate in Greece rose by 1.5 percent in just a single month.  That is not just a crash – that is an avalanche of unemployment.

#9 European Financial Stocks

European financial stocks have been hit particularly hard lately.  And for good reason actually – most of the major banks in Europe are essentially insolvent at this point.  This week, European financial stocks fell to seven month lows, and this is probably only just the beginning.

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#10 Spanish Bankruptcies

According to Reuters, the number of Spanish companies going bankrupt has risen by 45 percent over the past year…

A record number of Spanish companies went bust in the first quarter of 2013 as companies remained under intense pressure from tight credit conditions and meager demand, a study showed on Monday.

The 2,564 firms filing for insolvency proceedings in first three months of the year was a 10 percent rise from the previous quarter and a 45 percent increase on the same period in 2012, the survey by credit rating agency Axesor said.

#11 Demand For Energy

Just like we saw back in 2008, the overall demand for energy in the United States is falling rapidly.  There are some shocking charts that prove this that were recently posted on Zero Hedge.

Yes, it is good for people to use a bit less energy, but it is also a clear indication that economic activity is really starting to slow down.

But despite everything that you have just read, the Dow and the S&P 500 have been setting new record highs.

And if you listen to the mainstream media, you would think that this stock market bubble can continue indefinitely.

Fortunately, there are a few voices of reason out there.  For example, just check out what Marc Faber recently told CNBC…

In the near-term, the U.S. stock market is overbought and adding that any more near-term gains portend big trouble for the market, “The Gloom, Boom & Doom Report” publisher Marc Faber told CNBC on Monday.

“If we continue to move up, the probability of a crash becomes higher,” Faber predicted in a “Squawk Box” interview, saying it could happen “sometime in the second half of this year.”

As I have written about previously, a bubble is always the biggest right before it bursts.  I hope that we still have at least a little bit more time before it happens, but I wouldn’t count on it.

The economic fundamentals tell us that the stock market should be plunging, not rising.  At some point the boys over on Wall Street will get the message and the market will catch up to reality very, very rapidly.

But for the moment, the American people are feeling really good.  According to CNN, Americans are now more optimistic than they have been in six years…

As the stock market continues to show record highs, the number of Americans who say things are going well in the country has reached 50% for the first time in more than six years, according to a new national survey.

So what do you think will happen for the rest of the year?

Do you think that the good times will continue to roll, or do you believe that the bubble is about to burst?

Source:  http://theeconomiccollapseblog.com/archives/11-economic-crashes-that-are-happening-right-now

 

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Angry White Guys: The Roots of Reactionary America

13 Saturday Apr 2013

Posted by John Loeffler in abuse, America, Americans, Bankruptcy, Billionaires, Bribery, CEOs, Class Warfare, Congress, Corporations, Corruption, Crooked, D.C., Deception, Democrats, Dirty Politics, Economy, Elite, EU, European Union, Federal Government, Fraud, Global, Governments, Great Britain, Greed, Middle East, Oligarchs, Politicians, Politics, Power, power abuse, Power-hungry, Racism, Stealing, Stock Market, the Elite, Theft, tyranny, U.S., U.S. Government, Uncategorized, United States, Wall St., Washington D.C., Wealthy, White Males, World

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America, Anger, angry, Atomic bombings of Hiroshima and Nagasaki, Bankruptcy, Charlie LeDuff, Congress, crime, Democrats, Detroit, dysfunctional, Europe, Federal Government, global, GOP, greed, LeDuff, Lindsey Graham, lust, Michigan, Middle East, older, politicians, politics, Poverty, power, power-hungry, Republicans, shallowness., U.S, United States, vanity, white males, world

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“Fifty years after the atom bomb, Hiroshima and Nagasaki are gleaming, thriving metropolises. After 50 years of failed government promises in Detroit, the money has dried up, welfare has run out and the city is headed for fire sale. With cities and states across the USA not far behind and teetering on the brink of bankruptcy, Detroit is no longer just a punch line. It is a warning of the future to come for millions of Americans.”

‒ Charles Hurt

This is a story about the politics of anger. The quote above forms the last paragraph of a review of Charlie LeDuff‘s gut-wrenching book, Detroit, An American Autopsy.  It’s a powerful book that speaks volumes not only about Detroit but also about most big cities in America today – cities where petty crime, gang violence, drug addiction, prostitution, poverty, vandalism, vagrancy, filth, abandoned buildings, arson, and despair have been on the rise for decades.  Remarkably, LeDuff’s chronicle of Detroit’s descent avoids partisan rancor.  His is a story of a city suffering from a chronic condition that has taken an ugly turn and become terminal.  And, yes, he’s angry; very angry.

There’s a lot of anger in America, Europe and the Middle East and, come to think of it, everywhere.  Anger like everything else has gone global.  We recognize it when we see it – in others, that is – but it’s here, too, it’s on the rise, and it explains as least as much about politics in contemporary America as such other deadly sins as greed and power lust.  In fact, it’s probably more central as a motivating force behind our dysfunctional politics than either.

Take Charlie LeDuff, for example.  LeDuff’s anger is visceral.  He makes no attempt to hide it – and no apologies.  He’s angry with leaders who don’t lead and politicians who make promises they don’t even try to keep.  He spares no one and directs his anger at both of our major political parties.  And, of course, he’s right to do so.

Read more here:  http://www.nationofchange.org/angry-white-guys-roots-reactionary-america-1365861843

 

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Mass Panic in Cyprus As ATMs Run Out Of Money, Banks Still Closed!

22 Friday Mar 2013

Posted by John Loeffler in Uncategorized

≈ 1 Comment

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ATMs, Automated teller machine, bank accounts, Bank of Cyprus, Bankruptcy, banks, Bloomberg, CNBC, CNN, corruption, Cyprus, Cyprus Popular Bank, deception, economic collapse, Economy, EU, euro, European Central Bank, European Union, Finance Minister, France, Germany, Greece, IMF, insolvent, International Monetary Fund, Italy, Kathimerini, Lehman Brothers, lies, looting, money, panic, politicians, Portugal, Reuters, Spain, The Great Cyprus Bank Robbery

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European officials are openly admitting that the two largest banks in Cyprus are “insolvent“, and it is now being reported that Cyprus Popular Bank only has “enough liquidity to cover the next few hours“.  Of course all banks in Cyprus are officially closed until Tuesday at the earliest, but there have been long lines at ATMs all over Cyprus as people scramble to get whatever money they can out of the banks.  Unfortunately, some ATMs appear to be “malfunctioning” and others appear to have already run out of cash.  You can see some photos of huge lines at one ATM in Cyprus right here.  Some businesses are now even refusing to take credit card payments.  This is creating an atmosphere of panic on the streets of Cyprus.  Meanwhile, the EU is holding a gun to the head of the Cyprus financial system.  Either Cyprus meets EU demands by Monday, or liquidity for the banks will be totally cut off and Cyprus will be forced out of the euro.  It is being reported that European officials believe that the “economy is going to tank in Cyprus no matter what“, and that it would be okay to let the financial system of Cyprus crash and burn if politicians in Cyprus are not willing to do what they have been ordered to do.  Apparently European officials are very confident that the situation in Cyprus can be contained and that it will not spread to other European nations.

Unfortunately, European officials are losing sight of the bigger picture.  If the largest banks in Cyprus are allowed to fail, it will be another “Lehman Brothers moment“.  The faith that people have in banks all over Europe will be called into question, and everyone will be wondering what major European banks will be allowed to fail next.

Meanwhile, European officials have already completely shattered confidence in deposit insurance at this point.  Everyone now knows that when there is a major bank failure that depositors will be expected to share in the pain.  Expect to see “bank jogs” all over southern Europe over the coming weeks.

The banks in Cyprus had been scheduled to reopen on Tuesday, but very few people expect that to actually happen at this point.  In fact, Bloomberg is reporting that EU officials are actually thinking about shutting down the two biggest banks in Cyprus and freezing their assets…

Finance ministers for the 17 euro countries are considering a plan to shutter the two biggest banks in Cyprus and freeze the assets of uninsured depositors, said the four officials, who asked not to be named because the talks are ongoing. The ministers are holding a teleconference tonight.

Cyprus Popular Bank Pcl (CPB) and the Bank of Cyprus Plc would be split to create a so-called bad bank, one of the officials said. Insured deposits — below the European Union ceiling of 100,000 euros ($129,000) — would go into a so-called good bank and not sustain any losses, while uninsured deposits would go into the bad bank and be frozen until assets could be sold, said the four officials.

Losses to unsecured creditors, including uninsured depositors, could reach 40 percent under the plan, which has support from the International Monetary Fund and the European Central Bank. The proposal, a version of which was rejected last week, is considered a better option than taxing insured deposits or allowing Cypriot banks to collapse in a disorderly fashion if they lose access to ECB aid, the officials said.

Such a scenario would be an utter disaster.

How would you feel if you woke up someday and 40 percent of your life savings was suddenly gone?

According to Greek newspaper Kathimerini, European officials are also openly discussing the possibility of a Cyprus exit from the eurozone if a suitable bailout agreement is not worked out…

The possibility of Cyprus exiting the eurozone was discussed during teleconference involving technocrats from the Euro Working Group on Wednesday, Kathimerini understands.

A reliable source told Kathimerini that the technical implications of a euro exit, as well as the adoption of capital controls were debated by the Euro Working Group officials during the teleconference.

As I mentioned above, European officials seemed resigned to the fact that there will be an economic collapse in Cyprus “no matter what”, and so letting Cyprus leave the euro would not make that much of a difference.  Either way, the banks are going to have to be “reorganized” and capital controls will be imposed…

In detailed notes of the call seen by Reuters, the group’s chair Austria’s Thomas Wieser said: “The economy is going to tank in Cyprus no matter what. Restrictions on capital will probably be imposed.”

Never before have we seen European officials impose such a harsh ultimatum with such a short deadline.  It is almost as if they want to boot Cyprus out of the euro.  The following comes from a recent CNBC report…

In stark twin warnings on Thursday, the European Central Bank said it would cut off liquidity to Cypriot banks and a senior EU official made clear to Reuters that the bloc was ready to see the bankrupt island banished from the euro in the belief it could then contain damage to the wider European economy.

And European officials are even publicly talking about the possibility that Cyprus will soon need to start using “their own currency”…

In Brussels, a senior European Union official told Reuters that an ECB withdrawal would mean Cyprus’s biggest banks being wound up, wiping out the large deposits it has sought to protect, and probably forcing the country to abandon the euro.

“If the financial sector collapses, then they simply have to face a very significant devaluation and faced with that situation, they would have no other way but to start having their own currency,” the EU official said.

This is absolutely shocking.  Everyone always thought that Greece would be the first to leave the euro, but now it looks like it might be Cyprus.

However, there is still a chance that Cyprus may find a way to comply with EU demands.  Politicians in Cyprus are frantically searching for a way to raise the needed cash without raiding private bank accounts.  The following is what CNN is saying about the latest efforts…

Leaders of Cyprus’ political parties agreed Thursday to create an “investment solidarity fund,” which would issue bonds backed by state and church assets.

The plan was due to be discussed by the Cypriot government and parliament on Thursday evening, but few details were available and it was not clear how much the fund would be worth.

According to Reuters, other proposals have been under consideration as well…

The government said a “Plan B” was in the works.

Officials said it could include: an option to nationalize pension funds of semi-government corporations, which hold between 2 billion and 3 billion euros; issuing an emergency bond linked to future natural gas revenues; and possibly reviving the levy on bank deposits, though at a lower level than originally planned and maybe excluding savers with less than 100,000 euros.

At this point it is unclear whether any of those proposals will turn out to be acceptable to European officials.

In fact, the tone of European officials has noticeably changed from previous bailout efforts.  They now seem much more willing to play hardball.  For example, just check out what German Finance Minister Wolfgang Schaeuble is saying about the situation in Cyprus…

German finance minister Wolfgang Schaeuble told the ZDF public broadcaster on Tuesday night (19 March) he “took note with regret” of the Cypriot parliament’s rejection of the bailout deal, but insisted that the terms will stay the same.

Asked if the eurozone was willing to let Cyprus go bust, he answered: “Well, we are much more stable in the eurozone – we took measures to protect ourselves from the risks of contagion … but I don’t want to have any of this.”

He added: “It is a serious situation, but this cannot lead to a decision that makes absolutely no sense, to rescue a business model that has failed. Cyprus has a banking sector that is totally oversized and this made Cyprus insolvent. And nobody outside Cyprus is to blame for it.”

Schaeuble knows that the EU is holding all of the cards and that Cyprus is doomed without their help…

“The Cypriot state cannot fund itself on the markets. Its two largest banks are insolvent and are being kept afloat with emergency funding from the ECB, but only on the condition that there will be a long-term rescue programme. If this condition is no longer met, Cyprus will no longer be solvent and this is something Cypriot decision makers must know”

But the truth is that the EU can’t really afford to allow major banks to fail or for a single member to leave the eurozone.  If either of those things happen, the confidence game that has been holding the European financial system together will begin to rapidly evaporate.

If the EU thinks that they can abandon Cyprus without the crisis spreading to the rest of southern Europe they are just being delusional.

At least there are a few politicians in Europe that understand what is happening.  Nigel Farage, a very outspoken member of the European Parliament, is telling people to get their money out of banks in southern Europe as quickly as they can.  He is warning that a great collapse of the European financial system is coming and that people need to get prepared for it…

Source:  http://theeconomiccollapseblog.com/archives/mass-panic-in-cyprus-the-banks-are-collapsing-and-atms-are-running-out-of-money

 

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Has The Start Of The EU Collapse Begun?

18 Monday Mar 2013

Posted by John Loeffler in Uncategorized

≈ 1 Comment

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ATMs, bank accounts, bank holidays, Bankrupt, Bankruptcy, banks, bureaucrats, Cyprus, economic collapse, EU, Europe, European Union, FDIC, financial institutions, Germany, government, Greece, IMF, insurance, International Monetary Fund, money, Morgan Stanley, Politics of Cyprus, private, Saxo Bank, stealing, theft, U.S, United States

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Cyprus government’s ‘great bank robbery‘ of private accounts may set off bank runs across Europe

There’s only one reason people leave money in a bank: because they think it’s safe there. They think they can get their money back out when they ask for it. This trust is what makes bank accounts possible, and without this trust, there is no longer any reason to put money in any bank.

The government of Cyprus just destroyed that trust across the entire EU. How did it accomplish this feat of destruction? By raiding the private bank accounts of everyone with a checking or savings account. In a surprise act of nationwide government theft, the government of Cyprus — under orders from the IMF and German bureaucrats — simply looted private bank accounts, stealing up to 10% of private account deposits.

It’s being called “the great EU bank robbery.”

Let it be known that governments can now directly loot your checking accounts without permission

This act should not necessarily surprise us. We all know that governments are voracious thieves that steal savings and wealth from the productive working class of society. But what’s really shocking here is the wave of distrust now being set off across the Eurozone.

If Cyprus can suddenly and without any warning loot private bank accounts and steal money away from people who have rightly earned it, then what’s to stop the same thing from happening in Greece, Spain, Italy, Portugal or any other country?

“I believe it could be the beginning of the end for the Eurozone as this is an unbelievable blow to the already challenged trust that might be left among investors,” wrote Lars Seier Christensen, CEO of Saxo Bank. (SOURCE)

He continues: “If you can confiscate 10 percent of a bank customer’s money, you can confiscate 25, 50 or even 100 percent. I now believe we will see worse as the panic increases, with politicians desperately trying to keep the EUR alive.”

And that’s the point here. If a government can instantly steal 10% of your savings, it can also steal 100%. So what’s the point of putting money in a bank at all? The only people who didn’t get ripped off by the Cyprus government were people who had nothing in bank deposits!

Banks even went to great lengths to stop customers from getting away with their own money. “Cypriot banks banned online transfers and emptied cashpoints to stop withdrawals,” reports the Daily Mail. “Economists warned the move would fatally undermine confidence in the safety of money being held in banks in other countries, risking bank runs across the eurozone.”

Is this the beginning of the great EU bank run fiasco?

Right now, depositors across the EU are thinking to themselves, “Gee, this could happen here next. I’d better get my money out while I still can…” That’s the kind of thinking that causes bank runs, of course. Given that the banks in nations like Greece and Spain are already on the verge of financial collapse, any run on deposits will likely set off a cascade of liquidity implosions that ripple across the EU and eventually make their way to the shores of America.

Get ready for the announcement of “bank holidays” across the EU. A bank holiday means the bank closes its doors and refuses to allow you access to your own money. Bank holidays are the last red alert warning sign before a systemic banking system collapse. If you hear an announcement of a bank holiday at your bank, you’re already too late. The only way to protect your savings is to get it out of the banks before they declare bank holidays.

“The raid on bank accounts risks triggering new convulsions in the financial crisis that began in 2009 in Greece,” reports Bloomberg.com. It continues:

The [looting] is “a worrying precedent with potentially systemic consequences if depositors in other periphery countries fear a similar treatment in the future,” Joachim Fels, chief economist at Morgan Stanley in London, wrote in a client note.

FDIC insurance is a mathematical hoax: here’s why

When most Americans read this, they will mistakenly think to themselves, “Oh, this won’t affect me. My accounts are insured by the FDIC.”

FDIC insurance is a mathematical hoax… a delusion. The FDIC only has a tiny fraction of the funds it would need to bail out account holders in a systemic banking failure. If just 5% of the banking institutions in the USA went belly up, the FDIC would be bankrupt itself.

The FDIC, accordingly, is no protection against systemic failure. It can only really protect account holders of isolated, rare bank failures that do not happen as part of a systemic collapse. And yet the collapse that’s coming is, of course, a systemic collapse of the global debt-based banking system which is deeply tied in with government spending and global debt instruments like derivatives. The only way to be safe from that inevitable implosion is to have no money in the bank. In other words, have your assets in other real things like land, gold, food, etc.

For the record, a systemic financial failure of U.S. banking institutions is not yet imminent, but it is inevitable. The timing is the real question, but with European governments now directly looting — stealing! — deposits from the accounts of private citizens, we are quite clearly one step closer to a systemic, global implosion of the failed debt cartels.

The banksters are getting very, very desperate and it’s clear they are going to steal everything from the citizens in a bid to save themselves. If the global debt-based banking system is the Titanic, the banksters just motored away with all the rescue boats and left the passengers standing around with their d!*#s in their hands.

Source:  http://www.naturalnews.com/039523_Cyprus_bank_robbery_runs.html

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Consumer Spending Drought: 16 Signs That The Middle Class Is Running Out Of Money

01 Friday Mar 2013

Posted by John Loeffler in Uncategorized

≈ 2 Comments

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2013, Americans, bad, Bankruptcy, broke, burst, businesses, citizens, college debt, consumer debt, consumer spending, crash, Debt, decline, disaster, DOW, Dow Jones Industrial Average, down, earth, economic collapse, economic meltdown, Economy, economy bubble, four consecutive years, global, highest, household, imminent, market, median income, output, overall decline, peak, planet, production, restaurants, retailers, student loan debt, U.S., U.S. debt, U.S. Economy, U.S.A., United States, United States of America, Wal-Mart, world

During The Years Of Plenty, Prepare For The Years Of Drought - Photo Taken By Tomas Castelazo

Is “discretionary income” rapidly becoming a thing of the past for most American families?  Right now, there are a lot of signs that we are on the verge of a nightmarish consumer spending drought.  Incomes are down, taxes are up, many large retail chains are deeply struggling because of the lack of customers, and at this point nearly a quarter of all Americans have more credit card debt than money in the bank.  Considering the fact that consumer spending is such a large percentage of the U.S. economy, that is very bad news.  How will we ever have a sustained economic recovery if consumers don’t have much money to spend?  Well, the truth is that we aren’t ever going to have a sustained economic recovery.  In fact, this debt-fueled bubble of false hope that we are experiencing right now is as good as things are going to get.  Things are going to go downhill from here, and if you think that consumer spending is bad now, just wait until you see what happens over the next several years.

Even though the Dow is surging toward a record high right now, everyone knows that things are not good for the middle class.  A recent quote from CPA Howard Dvorkin kind of summarizes our current state of affairs very nicely…

“The fact of the matter is that America is broke — whether it’s mortgages, student loans or credit cards, we are broke. The old rule of thumb is that people should have six months’ of savings,” Dvorkin says.”If you talk to people, most don’t have two pennies.”

These days most Americans are living from paycheck to paycheck, and thanks to rising prices and rising taxes, those paychecks are getting squeezed tighter and tighter.  Many families have had to cut back on unnecessary expenses, and some families no longer have any discretionary income at all.

The following are 16 signs that the middle class is rapidly running out of money…

#1 According to one brand new survey, 24 percent of all Americans have more credit card debt than money in the bank.

#2 J.C. Penney was once an unstoppable retail powerhouse, but now J.C. Penney has just posted its lowest annual retail sales in more than 20 years…

J.C. Penney Co. (JCP) slid the most in more than three decades after the department-store chain lost $4.3 billion in sales in the first year of Chief Executive Officer Ron Johnson’s turnaround plan.

The shares fell 18 percent to $17.40 at 11:28 a.m. in New York after earlier declining 22 percent, the biggest intraday drop since at least 1980, according to data compiled by Bloomberg. J.C. Penney yesterday said its net loss in the quarter ended Feb. 2 widened to $552 million from $87 million a year earlier. The Plano, Texas-based retailer’s annual revenue slid 25 percent to $13 billion, the lowest since at least 1987.

How much worse can things get?  At this point the decline has become so steep for J.C. Penney that Jim Cramer of CNBC is declaring that they are in “a true tailspin“.

#3 In the United States today, a new car has become out of reach for most middle class Americans according to the 2013 Car Affordability Study…

Looking to buy a new car, truck or crossover? You may find it more difficult to stretch the household budget than you expected, according to a new study that finds median-income families in only one major U.S. city actually can afford the typical new vehicle.

The typical new vehicle is now more expensive than ever, averaging $30,500 in 2012, according to TrueCar.com data, and heading up again as makers curb the incentives that helped make their products more affordable during the recession when they were desperate for sales. According to the 2013 Car Affordability Study by Interest.com, only in Washington could the typical household swing the payments, the median income there running $86,680 a year.

#4 The founder of Subway Restaurants, Fred Deluca, says that the recent tax increases are having a noticeable impact on his business…

“The payroll tax is affecting sales. It’s causing sales declines,” he said, estimating a decline of about 2 percentage points off sales at his restaurants. “There are a lot of pressures on consumers,” Deluca said, adding “I think this is on the permanent side, but I think business will adjust to it.”

#5 Many other large restaurant chains are also struggling in this tough economic environment…

Darden Restaurants, which owns the casual dining chains Oliver Garden, LongHorn Steakhouse and Red Lobster, said blended same-store sales at its three eateries would be 4.5 percent lower during its fiscal third quarter.

Clarence Otis, Darden’s chairman and chief executive, said that “while results midway through the third quarter were encouraging, there were difficult macro-economic headwinds during the last month of the quarter.”

“Two of the most prominent were increased payroll taxes and rising gasoline prices, which together put meaningful pressure on the discretionary purchasing power of our guests,” he added.

#6 The CFO of Family Dollar recently admitted to CNBC that this is a “challenging time” because of reduced consumer spending…

At Family Dollar where the average customer makes less than $40,000 a year, the combination of a two-percent hike in the payroll tax, rising gas prices and delayed tax refunds has created a “challenging time and an uncertain time for the consumer right now,” said Mary Winston, the company’s chief financial officer.

“In our case, anything that takes money out of our customer’s wallet gives them less money to spend in our stores,” she told CNBC. “So I think all of those things create nervousness for the consumer, and I think there are sometimes political dynamics going on that they might not even fully understand the details, but they know it’s not good.”

#7 Even Wal-Mart is really struggling right now.  According to a recent Bloomberg article, Wal-Mart is struggling “to restock store shelves as U.S. sales slump“…

Evelin Cruz, a department manager at the Wal-Mart Supercenter in Pico Rivera, California, said Simon’s comments from the officers’ meeting were “dead on.”

“There are gaps where merchandise is missing,” Cruz said in a telephone interview. “We are not talking about a couple of empty shelves. This is throughout the store in every store. Some places look like they’re going out of business.”

This all comes on the heels of an internal Wal-Mart memo that was leaked to the press earlier this month that described February sales as a “total disaster”.

#8 Electronics retailer Best Buy continues to struggle mightily.  Best Buy just announced that it will be eliminating 400 jobs at its headquarters in Richfield, Minnesota.

#9 It is being projected that many of the largest retail chains in America, including Best Buy, will close down hundreds of stores during 2013.  The following is a list of projected store closings for 2013 that I included in a previous article…

Best Buy

Forecast store closings: 200 to 250

Sears Holding Corp.

Forecast store closings: Kmart 175 to 225, Sears 100 to 125

J.C. Penney

Forecast store closings: 300 to 350

Office Depot

Forecast store closings: 125 to 150

Barnes & Noble

Forecast store closings: 190 to 240, per company comments

Gamestop

Forecast store closings: 500 to 600

OfficeMax

Forecast store closings: 150 to 175

RadioShack

Forecast store closings: 450 to 550

#10 Another sign that consumer spending is slowing down is the fact that less stuff is being moved around in our economy.   As I have mentioned previously, freight shipment volumes have hit their lowest level in two years, and freight expenditures have gone negative for the first time since the last recession.

#11 Many young adults have no discretionary income to spend because they are absolutely drowning in student loan debt.  According to the New York Federal Reserve, student loan debt nearly tripled between 2004 and 2012.

#12 The student loan delinquency rate in the United States is now at an all-time high.  It is only a matter of time before the student loan debt bubble bursts.

#13 Due to a lack of jobs and high levels of debt, poverty among young adults in America is absolutely exploding.  Today, U.S. families that have a head of household that is under the age of 30 have a poverty rate of 37 percent.

#14 According to one recent survey, 62 percent of all middle class Americans say that they have had to reduce household spending over the past year.

#15 Median household income in the United States has fallen for four consecutive years.  Overall, it has declined by more than $4000 during that time span.

#16 According to the U.S. Census Bureau, the middle class is currently taking home a smaller share of the overall income pie than has ever been recorded before.

Are you starting to get the picture?

Retailers are desperate for sales, but you can’t squeeze blood out of a rock.

For much more on how the middle class is absolutely drowning in debt, please see this article: “Money Is A Form Of Social Control And Most Americans Are Debt Slaves“.

But if you listen to the mainstream media, they would have you believe that happy days are here again.

Right now, everyone seems to be quite giddy about the fact that the Dow is marching toward an all-time high.  And I actually do believe that the Dow will blow right past it.  In fact, it is even possible that we could see the Dow hit 15,000 before everything starts falling apart.

But at some point, the financial markets will catch up with economic reality.  It is just a matter of time.

In the meanwhile, those that are wise are taking advantage of these times of plenty to prepare for the great economic drought that is coming.

Don’t be caught living paycheck to paycheck and totally unprepared when the next wave of the economic collapse strikes.  Anyone that believes that this debt-fueled bubble of false hope can last indefinitely is just being delusional.

Source:  http://theeconomiccollapseblog.com/archives/consumer-spending-drought-16-signs-that-the-middle-class-is-running-out-of-money

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50 Signs That The U.S. Health Care System Is A Gigantic Money Making Scam That Is About To Collapse

25 Monday Feb 2013

Posted by John Loeffler in .0001% Elite, 99.999% of the World, Uncategorized

≈ 1 Comment

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2014, America, Americans, Appalling, Bankrupt, Bankruptcy, Big Pharma, Billionaires, Care, catastrophic, CEOs, collapse, Congress, Costly, Crisis, Death, decline, devastating, Doctors, fraud, fraudulent, greed, Health Care, Health Care System, House of Representatives, hurt, legislators, life expectancy, lifespan, middle class, millionaires, money, most, Obama, Obamacare, over-priced, overhaul, pharmaceutical companies, Poor, Poorest, profits, record, Rich, scam, Senate, spending, U.S., U.S. citizens, U.S.A., United States, Unnecessary, Wealthiest

50 Signs That The U.S. Health Care System Is A Gigantic Money Making Scam That Is About To Collapse - Photo by Ragesoss

The following are 50 signs that the U.S. health care system is a massive money making scam that is about to collapse…

#1 Medical bills have become so ridiculously large that virtually nobody can afford them.  Just check out the following short excerpt from a recent Time Magazine article.  One man in California that had been diagnosed with cancer ran up nearly a million dollars in hospital bills before he died…

By the time Steven D. died at his home in Northern California the following November, he had lived for an additional 11 months. And Alice had collected bills totaling $902,452. The family’s first bill — for $348,000 — which arrived when Steven got home from the Seton Medical Center in Daly City, Calif., was full of all the usual chargemaster profit grabs: $18 each for 88 diabetes-test strips that Amazon sells in boxes of 50 for $27.85; $24 each for 19 niacin pills that are sold in drugstores for about a nickel apiece. There were also four boxes of sterile gauze pads for $77 each. None of that was considered part of what was provided in return for Seton’s facility charge for the intensive-care unit for two days at $13,225 a day, 12 days in the critical unit at $7,315 a day and one day in a standard room (all of which totaled $120,116 over 15 days). There was also $20,886 for CT scans and $24,251 for lab work.

#2 This year the American people will spend approximately 2.8 trillion dollars on health care, and it is being projected that Americans will spend 4.5 trillion dollars on health care in 2019.

#3 The United States spends more on health care than Japan, Germany, France, China, the U.K., Italy, Canada, Brazil, Spain and Australia combined.

#4 If the U.S. health care system was a country, it would be the 6th largest economy on the entire planet.

#5 Back in 1960, an average of $147 was spent per person on health care in the United States. By 2009, that number had skyrocketed to$8,086.

#6 Why does it cost so much to stay in a hospital today?  It just does not make sense.  Just check out these numbers…

In 1942, Christ Hospital, NJ charged $7 per day for a maternity room. Today it’s $1,360.

#7 Approximately 60 percent of all personal bankruptcies in the United States are related to medical bills.

#8 One study discovered that approximately 41 percent of all working age Americans either have medical bill problems or are currently paying off medical debt.

#9 The U.S. health care industry has spent more than 5 billion dollarson lobbying our politicians in Washington D.C. since 1998.

#10 According to the Association of American Medical Colleges, the U.S. is  currently experiencing a shortage of at least 13,000 doctors.  Unfortunately, that shortage is expected to grow to 130,000 doctorsover the next 10 years.

#11 The state of Florida is already dealing with a very serious shortage of doctors…

Brace yourself for longer lines at the doctor’s office.

Whether you’re employed and insured, elderly and on Medicare, or poor and covered by Medicaid, the Florida Medical Association says there’s a growing shortage of doctors — especially specialists — available to provide you with medical care.

And if the Florida Legislature goes along with Gov. Rick Scott’s recommendation to offer Medicaid coverage to an additional 1 million Floridians — part of the Affordable Care Act that takes effect next January — the FMA says that shortage will only get worse.

#12 At this point, approximately 40 percent of all doctors in the United States are 55 years of age or older.

#13 In America today, many hospital executives make absolutely ridiculous amounts of money…

In December, when the New York Times ran a story about how a deficit deal might threaten hospital payments, Steven Safyer, chief executive of Montefiore Medical Center, a large nonprofit hospital system in the Bronx, complained, “There is no such thing as a cut to a provider that isn’t a cut to a beneficiary … This is not crying wolf.”

Actually, Safyer seems to be crying wolf to the tune of about $196.8 million, according to the hospital’s latest publicly available tax return. That was his hospital’s operating profit, according to its 2010 return. With $2.586 billion in revenue — of which 99.4% came from patient bills and 0.6% from fundraising events and other charitable contributions — Safyer’s business is more than six times as large as that of the Bronx’s most famous enterprise, the New York Yankees. Surely, without cutting services to beneficiaries, Safyer could cut what have to be some of the Bronx’s better non-Yankee salaries: his own, which was $4,065,000, or those of his chief financial officer ($3,243,000), his executive vice president ($2,220,000) or the head of his dental department ($1,798,000).

#14 Health insurance administration expenses account for 8 percent of all health care costs in the United States each year.  In Finland, health insurance administration expenses account for just 2 percent of all health care costs each year.

#15 If you can believe it, the U.S. ambulance industry makes more money each year than the movie industry does.

#16 All over America, people are reporting huge health insurance premium increases thanks to Obamacare.  The following example is from a recent article by Robert Wenzel…

A California small businessman tells me that he switched healthcare insurance carriers in 2012.  The monthly premium for him and his wife was about $400, but when he received his first bill in January of this year it was for $1,200.  He hasn’t been to a doctor in years, his wife has only gone for minor care.

Apparently there is some clause in the Affordable Healthcare Act that results in health insurance firms using a new method to calculate premiums. Those who have health insurance plans that have been in effect since at least 2010 are grandfathered under the old calculation method, but insurance carriers are using a new formula for new plans.

#17 Blue Shield of California has announced that it wants to raise health insurance premiums by up to 20 percent this year in an effort to keep up with rising health costs.

#18 Aetna’s CEO says that health insurance premiums for many Americans will double when the major provisions of Obamacare go into effect in 2014.

#19 Close to 10 percent of all U.S. employers plan to drop health coverage completely when the major provisions of Obamacare go into effect in 2014.

#20 According to a survey conducted by the Doctor Patient Medical Association, 83 percent of all doctors in the United States have considered leaving the profession because of Obamacare.

#21 Approximately 16,000 new IRS agents will be hired to help oversee the implementation of Obamacare, and the Obama administration has given the IRS 500 million extra dollars “outside the normal appropriations process” to help the IRS with their new duties.

#22 During 2013, Americans will spend more than 280 billion dollarson prescription drugs.

#23 Prescription drugs cost about 50% more in the United States than they do in other countries.

#24 In the United States today, prescription painkillers kill more Americans than heroin and cocaine combined.

#25 Nearly half of all Americans now use prescription drugs on a regular basis according to the CDC.  Not only that, the CDC also says that approximately one-third of all Americans use two or more pharmaceutical drugs on a regular basis, and more than ten percent of all Americans use five or more pharmaceutical drugs on a regular basis.

#26 The percentage of women taking antidepressants in America is higher than in any other country in the world.

#27 In 2010, the average teen in the U.S. was taking 1.2 central nervous system drugs.  Those are the kinds of drugs which treat conditions such as ADHD and depression.

#28 Children in the United States are three times more likely to be prescribed antidepressants as children in Europe are.

#29 There were more than two dozen pharmaceutical companiesthat made over a billion dollars in profits during 2008.

#30 According to the CDC, approximately three quarters of a million people a year are rushed to emergency rooms in the United States because of adverse reactions to pharmaceutical drugs.

#31 According to a report by Health Care for America Now, America’s five biggest for-profit health insurance companies ended 2009 with a combined profit of $12.2 billion.

#32 The top executives at the five largest for-profit health insurance companies in the United States combined to bring in nearly $200 million in total compensation for 2009.

#33 The chairman of Aetna, the third largest health insurance company in the United States, brought in a staggering $68.7 million during 2010. Ron Williams exercised stock options that were worth approximately $50.3 million and he raked in an additional $18.4 million in wages and other forms of compensation.  The funny thing is that he left the company and didn’t even work the entire year.

#34 It turns out that the financial assistance that Barack Obama promised would be provided for those with “pre-existing conditions” under Obamacare is already being shut down because of a lack of funding…

Tens of thousands of Americans who cannot get health insurance because of preexisting medical problems will be blocked from a program designed to help them because funding is running low.

Obama administration officials said Friday that the state-based “high-risk pools” set up under the 2010 health-care law will be closed to new applicants as soon as Saturday and no later than March 2, depending on the state.

#35 In America today, you are 64 times more likely to be killed by a doctor than you are by a gun.

#36 People living in the United States are three times more likely to have diabetes than people living in the United Kingdom.

#37 Today, people living in Puerto Rico have a greater life expectancy than people living in the United States do.

#38 According to OECD statistics, Americans are twice as obese as Canadians are.

#39 Greece has twice as many hospital beds per person as the United States does.

#40 The state of California now ranks dead last out of all 50 states in the number of emergency rooms per million people.

#41 According to a doctor interviewed by Fox News, “a gunshot wound to the head, chest or abdomen” will cost $13,000 at his hospital the moment the victim comes in the door, and then there will be significant additional charges depending on how bad the wound is.

#42 It has been estimated that hospitals overcharge Americans by about 10 billion dollars every single year.

#43 One trained medical billing advocate says that over 90 percent of the medical bills that she has audited contain “gross overcharges“.

#44 It is not uncommon for insurance companies to get hospitals to knock their bills down by up to 95 percent, but if you are uninsured or you don’t know how the system works then you are out of luck.

#45 According to a study conducted by Deloitte Consulting, a whopping875,000 Americans were “medical tourists” in 2010.

#46 Today, there are more than 56 million Americans on Medicaid, and it is being projected that Obamacare will add 16 million more Americans to the Medicaid rolls.

#47 Back in 1965, only one out of every 50 Americans was on Medicaid.  Today, one out of every 6 Americans is on Medicaid.

#48 Today, there are more than 50 million Americans on Medicare, and that number is projected to grow to 73.2 million in 2025.

#49 When Medicare was first established by Congress, it was estimated that it would cost the federal government $12 billion a year by the time 1990 rolled around.  Instead, it cost the federal government $110 billionin 1990, and it will cost the federal government close to $600 billion this year.

#50 Even if you do have health insurance, that is no guarantee that medical bills will not bankrupt you.  Just check out what a recent Time Magazine article says happened to one unfortunate couple from Ohio that actually did have health insurance…

When Sean Recchi, a 42-year-old from Lancaster, Ohio, was told last March that he had non-Hodgkin’s lymphoma, his wife Stephanie knew she had to get him to MD Anderson Cancer Center in Houston. Stephanie’s father had been treated there 10 years earlier, and she and her family credited the doctors and nurses at MD Anderson with extending his life by at least eight years.

Because Stephanie and her husband had recently started their own small technology business, they were unable to buy comprehensive health insurance. For $469 a month, or about 20% of their income, they had been able to get only a policy that covered just $2,000 per day of any hospital costs. “We don’t take that kind of discount insurance,” said the woman at MD Anderson when Stephanie called to make an appointment for Sean.

Stephanie was then told by a billing clerk that the estimated cost of Sean’s visit — just to be examined for six days so a treatment plan could be devised — would be $48,900, due in advance.

By the way, that hospital down in Houston made a profit of 531 million dollars in one recent year.

So what can be done about all of this?

Well, the truth is that the status quo is a complete and total disaster, and every “solution” being promoted by politicians from both major political parties would only make things worse.

In the end, the U.S. health care system needs to be rebuilt from the ground up, but we all know that is not going to happen.

Instead, our politicians and the health care industry will just find additional ways to extract money from all of us, and the level of care that we all get will continue to decline.

If you don’t believe this, just check out what Paul Krugman of the New York Times had to say recently…

We’re going to need more revenue…Surely it will require some sort of middle class taxes as well.. We won’t be able to pay for the kind of government the society will want without some increase in taxes… on the middle class, maybe a value added tax…And we’re also going to have to make decisions about health care, doc pay for health care that has no demonstrated medical benefits . So the snarky version…which I shouldn’t even say because it will get me in trouble is death panels and sales taxes is how we do this.

Others are urging us to become more like Europe.

But do we really want what they have in the UK?…

Sick children are being discharged from NHS hospitals to die at home or in hospices on controversial ‘death pathways’.

Until now, end of life regime the Liverpool Care Pathway was thought to have involved only elderly and terminally-ill adults.

But the Mail can reveal the practice of withdrawing food and fluid by tube is being used on young patients as well as severely disabled newborn babies.

One doctor has admitted starving and dehydrating ten babies to death in the neonatal unit of one hospital alone.

Writing in a leading medical journal, the physician revealed the process can take an average of ten days during which a  baby becomes ‘smaller and shrunken’.

In the end, my philosophy is just to avoid the U.S. health care system as much as possible.  Most doctors are just trained to do two things – prescribe drugs and cut you open.  In an emergency situation where you are about to die, those may be your best options, but otherwise I would just as soon avoid the gigantic money making scam that the U.S. health care industry has become.

But just don’t take my word for it.  The following is some very sound advice from Dr. Robert S. Dotson…

Avoid contact with the existing health care system as far as possible. Yes, emergencies arise that require the help of physicians, but by and large one can learn to care for one’s own minor issues. Though it is flawed, the internet has been an information leveler for the masses and permits each person to be his or her own physician to a large degree. Take advantage of it! Educate yourself about your own body and learn to fuel and maintain it as you would an expensive auto or a pet poodle. One does not need a medical degree to:

1. avoid excessive use of tobacco or alcohol or, for that matter, caffeine;
2. avoid poisons like fluoride, aspartame, high fructose corn syrup, and addictive drugs (legal or illicit);
3. avoid unnecessary and potentially lethal imaging studies (TSA’s radiation pornbooths, excessive mammography, repetitive CT scans – exposure to all significantly increases cancer risk);
4. avoid excessive cell phone use and exposure to other forms of EMR pollution where possible (the NSA is recording everything you say and text anyway);
5. avoid daily fast food use and abuse (remember: pink slime and silicone) ;
6. avoid untested GM foods (do you really want to become “Roundup Ready?”):
7. avoid most vaccinations and pharmaceutical agents promoted by the establishment;
8. avoid risky behaviors (and, we do not need a bunch of Nanny State bureaucrats to define and police these);
9. exercise moderately;
10. get plenty of sleep;
11. drink plenty of good quality water (buy a decent water filter to remove fluoride, chloride, and heavy metals);
12. wear protective gear at work and play where appropriate (helmets, eye-shields, knee and elbow pads, etc.):
13. seek out locally-grown, whole, organic foods and support your local food producers;
14. take appropriate nutritional supplements (multi-vitamins, Vitamin C, Vitamin D3);
15. switch off the TV and the mainstream media it represents;
16. educate yourself while you can;

And, lastly…

17. QUESTION AUTHORITY!

Doing these simple, common-sense things will add healthy years to a person’s life and help one avoid most medical encounters during his or her allotted time on earth.

So what do you think?

Do you believe that the U.S. health care system is a gigantic money making scam that is about to collapse?

Money Making Scam

Source:  http://theeconomiccollapseblog.com/archives/50-signs-that-the-u-s-health-care-system-is-a-gigantic-money-making-scam-that-is-about-to-collapse

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Open Letter to Brian Iverson RE: WHAT THE “FRACK” ARE YOU DOING IN WI & MN?!

03 Monday Sep 2012

Posted by John Loeffler in .0001% Elite, 99.999% of the World, Animals, Bankruptcy, Billionaires, Brian Iverson, Buffalo County, Cancer-causing, Cancerous, Carcinogenic, CEOs, Corporations, Corruption, Cover-up, crime, criminal, Crooked, Crystalline Silica, dangerous, Deadly, Deception, Depletion, Destruction, Economy, Elite, Environment, environmental catastrophe, environmental disaster, Extinction, Extremely Dangerous, Fossil Fuel Industry, Fossil Fuels, Frack Sand Mining, Fracking, Fraud, Glacier Sands LLC, Global, Global Dominance, Greed, Human Rights, Hydraulic Fracking, Hydraulic Fracturing, Inadequate, Infrastructure, Lethal, Minerals, Mining, Minnesota, Monopolization, Poisoning, Poisonous Chemicals, Poisonous Compounds, Politicians, public health hazard, Sand Fracking, Scientific Evidence, Silica, Silica or Sand Fracking, Silica Sand, Silicosis (Lung Disease), Structural Support, Surveillance, Texas, Texas Businessmen, U.S., U.S. Government, U.S. Government T.V. News Filtering, Wealthy, Wisconsin

≈ 2 Comments

Tags

Bankruptcy, Brian Iverson, Buffalo County, Cancerous, Carcinogenic, corporations, corruption, Crystalline Silica, Dangerous, Deadly, destruction, environmental catastrophe, environmental disaster, farmers, fracking, fraud, Get-Rich-Quick Schemes, greed, hydraulic fracturing, Hydraulic Fracturing or Fracking, Ike Thomas, Lethal, Local Government, Minnesota, natural gas, Natural Gas Boom, poisonous, Ponzi Schemes, Ryan Thomas, Sand Fracking, scams, Silica or Sand Fracking, silica sand, Silicosis, Sneaky, State Government, Tax Dollars, taxpayers, Texas, Texas businessmen, U.S. citizens, Unemployment, United States, Wisconsin

Remember this?
http://fracsandfrisbee.com/SevenSandsMotionToDismiss.pdf

Brian Iverson

Frac Sand Resources Inc.
Greater Minneapolis-St. Paul Area 
Mining & Metals
Current
  1. Keystone Energy Advisors, LLC
  2. , Frac Sand Resources, Inc
  3. , Terra Natural Resources LLC
Previous
  1. Iverson Real Estate Corp.
  2. , Accent Construction, Inc
Education
  1. 2 year at Anoka Ramsey Community College
Do you REALLY think that your two year degree,
so-called expertise on fracking, and desire to
become wealthy at the cost of taxpayers in WI
and MN is going to happen?  I hope you have a
Academy Award-winning group of attorneys to assist
you in the controlled demolition and destruction
of one of the last pristine, non-drilling, non-
blasting areas left in the United States!  Your
Texas team of Ike and Ryan Thomas better know their
fracking business, as they should, since Texas has
been destroyed by Sand and Hydraulic Fracturing or
Fracking!  Is that not why they came up here?  Texas
has the worst environmental record in the U.S.
•A 34 billion dollar budget deficit
•Texas Ranks #1 in population living below the poverty line ( 17.2 % ).
•Worst environmental record in the United States
•Ranks #1 in illiteracy
•Ranks # 1 on the poorest gun regulations in the US and highest per capita gun murder rates in the US
•Ranks #1 with the highest real estate taxes per $1,000 value of a home in the United States
•Ranks #1 in the lowest high school graduation rate
•Ranks #1 with the highest interest rates “pay day” companies can charge
•Ranks # 1 in those making below minimum wage
•Ranks 50th ( dead last ) in Teacher Pay
•Ranks # 1 (26.5%) who lack health insurance
•Ranks # 1 (20.3%) of children who lack health insurance
•Ranks # 1 in the highest per capita executions in the world
•Ranks # 50th in $ spent for Medicaid for the poor and children
•Ranks 50th ( dead last ) in $ spent on its citizens
•Ranks # 1 in the # of food insecure children.
•Ranks 49th ( the 2nd lowest ) in Medicaid $ given to nursing homes
•Ranks 2nd highest in teen births
•Ranks #2 with the highest home insurance rates
•Ranks #2 with the highest sales tax
•Ranks 49th in $ funded for the mentally ill
•Ranks #1 with the highest overall pollution rate
•Ranks #1 in adults under correctional control
•Ranks #1 in adults under probation
Oh yeah, the vaunted job creation in TX is because of the gas/oil boom there…….
http://www.intensedebate.com/users/713614
Texas wants to secede from our own country, and you
do business with traitors?
http://abcnews.go.com/blogs/politics/2009/04/texas-governor/
Oh wait…
Brian Iverson has been accused of securities fraud and self-dealing by a group of investors associated with two other mining start-ups in Montana. [See text of Montana complaint in Appendix D.] Less than two years ago, Iverson filed for bankruptcy to relieve more than $21 million in debt stemming from past business ventures and personal guaranties he gave as security for business loans.
http://www.tcdailyplanet.net/news/2012/07/09/frac-sand-or-farmland-wisconsin-farmers-face-showdown-rescheduled-august-9?print=1
And what’s with the payoffs to farmers to ruin their land with the promise of “Sand = Jobs?”
I was at the August 9th Buffalo County Board of Adjustments Meeting, and you must have shelled
out some chump change to convince the morons with your brand new Glacier Sands LLC bright, neon
green shirts with “Sands = Jobs” on the back of them to believe the shit that’s coming out of
your mouth regarding the creation of NON-PERMANENT jobs that you stated would be about 42 for
the Glacier Sands LLC Sand Fracking disaster!  Another 46 for truck driving, but you admitted
that those jobs would go to the most qualified drivers, most likely your drivers parked outside
our border waiting to rumble in and crumble the area’s infrastructure!
Speaking of infrastructure…you never did address my concerns with Glacier Sands LLC/Seven
Sands LLC, and all of your other scheming sand fracking business ventures as far as YOU, Ike
& Ryan Thomas cleaning up all the damage done to roads from hauling tons of sand in dump trucks
from Buffalo County, WI to whichever county will accept your waste.  Winona, MN already said “NO!”
What about the infrastructure damage to residences and businesses that will find structural damages
in the form of foundation, wall, ceiling, floor, and other cracks or forms of destruction directly
related to the very heavy toll the buildings will endure from endless rumbling vibrations of trucks
running up and down various roads while you are “fracking around” here?  Are you THAT ignorant where
you do not know of a little thing called “Class-Action Lawsuits?”  YOU will have to reimburse every
property for damage done…NOT the taxpayers!  I know that it would take away the millions of dollars
you, Ike and Ryan Thomas of Texas, have worked so diligently for in the form of cheap payoffs to
your “sugar-coated” farmers, i.e. Glacier Sands LLC, who were dumb enough to buy into your get-rich-quick
scheme!
Last, but certainly not least, you should be ashamed of the lack of conscience you have regarding
defrauding innocent people for the purpose of gaining wealth and power (two of society’s worst
traits)!  With all of these negative articles floating around about the dangers of Silica or Sand
Fracking, I would think you would know better than to try to sneak under the radar of our pathetic
legal system, starting with Dell Twidt, Buffalo Co., WI Temporary Supervisor, the Board of Adjustments,
and any other negligent politicians who do NOT represent the best interests of our area.  Ever hear
of a moratorium?  I bet you have!
http://buffalocountypublichealth.com/app/download/7023850004/Final+Report+082412.pdf
Do you think that moratoriums only exist to fight terrible events like ANY form of fracking?
Nope.  Moratoriums can permanently shut down “junk” operations, and they can lead to referendums
like a state-wide ban on all forms of fracking, and getting rid of people and entire boards who do
NOT represent the best interests and safety of its citizens!  You might want to rethink who you are
“Fracking Around With in Wisconsin and Minnesota!”
Concerned Citizen/Activist,
John Loeffler
Fountain City, WI
P.s. Go ahead and “Google” me, or try to find a criminal record of any kind on the WI Circuit Court Access System.  Unlike you, I have a clean conscience and no record (i.e. fraudulent practices)!
44.131908 -91.718763

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46 Of 50 States Could File Bankruptcy In 2009-2010

03 Tuesday Feb 2009

Posted by John Loeffler in Economy, Infrastructure, U.S., U.S. Government, Uncategorized

≈ Leave a comment

Tags

America, Bankrupt, Bankruptcy, Budget, Deficit, Freedom, Loss, States, U.S., United States

February 3, 2009 by jelo1317 | Edit

California is already withholding tax return money and other dollars as I reported the other day.  My home state of Wisconsin has its biggest budget deficit ever.  Maybe we will get split up like Africa did, and we’ll have individual countries instead of states.  It sure as hell would get rid of a lot of slime in Washington D.C.!!

Freedom Arizona

Freedom isn’t free. Not in Arizona, not anywhere.

46 Of 50 States Could File Bankruptcy In 2009-2010

January 29, 2009

There is a high chance a majority of the States within the United States of America could file for Chapter 9 bankruptcy. There are currently 46 states with high budget deficits, Arizona being one of them.

In fact, Jan Brewer, the newly appointed Governor of Arizona has a major crisis on her hands, one that Arizona and national media isn’t covering. The alarming news is the State of Arizona has 90 to 120 days before they completely run out of money. After that, all bills and tax refunds owed to the citizens will go unpaid.

Before Janet Napolitano left for her new Homeland secretary position, she had a stand-off with Arizona Treasurer Dean Martin. The AZ Treasurer forewarned Napolitano about Arizona’s financial crisis, but she refused to heed his words.

With neighboring California on the verge of bankruptcy this year, many States will follow in their steps.

Many States are already scurrying to cut unwanted costs, cut State-funded programs, raise taxes, not issue tax refunds to their citizens, and borrow money just to survive in 2009. Unfortunately, many banks — the same banks the Fed bailed out — are refusing to loan money to the States and their Treasury agencies.

The article, State Budget Troubles Worsen, at the Center on Budget and Policy Priorities website is an excellent piece to read. It shows where each State currently stands in these challening economic times, and you see 46 of the 50 States are clearly in the financial red.

It’s very possible you’ll see the end of the United States as we know it. If the Fed doesn’t bailout the States when their cash dries up and the banks don’t loan them money, then our States will be left in financial ruin. This would be a tragic and unprecedented event never experienced in the United States.

No State has ever filed bankruptcy, but it could be coming to a State near you this year.

We are on the brink of something far worse than the Great Depression.

UPDATE: Check out the newly published article, Survivalism: How to Prepare for the Economic Collapse. There’s also a printable 4-page newsletter you can download and share with your friends, family, and co-workers. Take action and help spread the awareness of this life-threatening issue.

California is already withholding tax return money and other dollars as I reported the other day.  My home state of Wisconsin has its biggest budget deficit ever.  Maybe we will get split up like Africa did, and we’ll have individual countries instead of states.  It sure as hell would get rid of a lot of slime in Washington D.C.!!

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