The perpetual standoff

May 24th, 2012

The perpetual standoff

~ The chicken-shit cowards just won’t make a move.

OK, we’ve all played chess before.  We know the drill.  We know the end-game when it is very obviously check-mate in two (moves) and the chicken-shit coward that is your opponent just won’t make his (or her) move and everybody just sits there, waiting and waiting, as the tensions rise and all “you” want to do is say are you a complete idiot or just a frickin’ coward?

Anyone knows that when you come to the table, the board or the boardroom, that you may have the best hand in the world but that somebody else might have a hand just a bit better.  It would not be a game if you knew everything and you knew without doubt you would win.

There is no need for an effort to grab the hearts and minds of the nations if “V” and victory and valor and violence is the winning hand that is always assured.  They have always been weak, timid and lost; a pathetic lost cause.  That’s why they have lied, that’s why they have fooled you and tried to fool you and fooled with you a time more than two.  Winners don’t need that.  Winners have patience and ambiance and all the time in the world and all the time in creation and all the time that is needed to wait for the fool to fall.

So, only an idiot, a brain-dead moron, a fish too long out of the sea would not see that the cabal (the New World Order), the despots and hooligans and bankers and banksters and all the very lame others won’t ever be saved by the bell.  Chess is not boxing, football can never be won by a nose and in an election the vote is nothing but final (even if a free election has never occurred, and will never occur).

Get over it.  It isn’t about the vote.  It isn’t about democracy.  It isn’t about candidates, Manchurian or Mormon, left wing or right, red state or blue.  Call up the colors, get a brown one or black one, a white one and green one and pink one (yes) and a fascist or commie or two; it’s not the rainbow coalition you’re missin’, it’s the END, the finish, the game-over is OVER and pulling the plug won’t make the point because there is NO electricity too.

How many false-flags qualify for a finish?  Is this just a question or is it a joke.  Did you hear the one about the federal reserve banker whose drawers were blown open by an implanted bomb?  No, I lost interest.  (Maybe too, it was just his doctor doing a vasectomy, a little too late.)

One false move and everything becomes dust.  The whole world is ready.  Drop the Euro, drop Greece, drop the bomb on Iran or fool with a nuclear Turkey.  Shell Gaza, shell Seoul, shell BP or shell Shell; it just doesn’t matter, it’s time for the Big One, it’s time to shit or get off of the seat, launch the rockets, launch the IPO’s that don’t matter, target more children, make more families wish to be dead.  It’s the will of the dead.

The mood is getting a bit testy out there.  People are pushed.  Hope is so dead that even Obama can’t find it.  What does it matter when your whole life “it was ruined” and “taken away” and every Catholic priest had their choir boys who they took right straight through hell.  The priests, they were “gay”, take credit, just “own it” and own up to the tall tale they tell.  Victimless crime, “not on my dime”.

So the cops are pulling over cars and taking the money and sharing (it) with the feds even when no crime was committed.  Don’t think that if you are “white, rich and Mormon” that then you’ll be safe.  Everybody is taking notes, everything is noticed and noted, it’s pay it forward and pay it back and pay back and getting back every dollar owed by the bank (and with a 24% daily interest rate too).

Who has time for inflation, who has time for more government lies?  Who has time for corn syrup and GMO carrots and nobody I know ever eats corn; it’s poison, it’s polluted, it’s fit only for cars (as in fuel) and even then it costs more to make than to use.  Take away my clean air, take away my free water, take away every dime that I saved with my Social Security number.  All numbers are up.  There are NO WINNERS this time, everyone is in a great position to lose.

The perpetual standoff is like Russian Roulette with a six shooter and six chambers are loaded.  Pulling the trigger is not taking a chance, it’s death swift and certain, it’s the finish line, so quick and so smooth.

So, move out your Rook, you know you’re defeated, you chicken-shit coward, you never knew how to play.  Better yet, just pull the trigger, if you can’t lose gracefully at chess there is nothing in life you can play.  Money is a game only for cowards.  Learn THAT lesson today.

2012.05.25 – 04:56.

Techno moon on a blue moon Monday

May 21st, 2012

Techno moon on a blue moon Monday

~ The solar eclipse was Sunday.

Even the Weather Channel got the time wrong, the time of the “total eclipse of the sun” (less the ring of fire).  In Albuquerque the eclipse peaked at about 7:30 PM, not the 6:30 PM that all the uneducated people (and many astrologers) were willing to say.

The sky did begin to darken about 6:30, it was very dark in Chicago too.  It was “lights out” for NATO (etan) “Nato eating”, or is it “Nato eaten” like in the moon eats the sun, or takes a bite out of it, or crosses its path when nobody is really looking.

OK, people were looking – “the whole world was watching” as the nu-blue moon passed between us (on earth) and the giant yellow-orange ball in the sky.  A better view would be a total eclipse of the sun as seen from the moon, it would be a better perspective.

The earth would wax large as it crossed the moon path of direct light from the sun.  The “ring of fire” would probably go out; real dark and perhaps “darkness” would appear.  The temperature would get really very cold.

So here we are.  When it comes to eclipses even science is earth centric.  What we really need is not just orbiting satellites but repositional techno moons, large orbiting objects that can be moved like drones to create a solar eclipse on demand.  We need bigger objects for indulging our desire for instant gratification.  Why wait 18 or 25 years just to see this?   We could have an “annular” solar eclipse once a month, once a week, or one could order one for their birthday.

The problem with science is that scientists never see the BIG picture.  They KNOW that taxpayers will pay for the most amazing things (and never ask questions), but scientists are never really the crowd pleasers they want to be; they offer bombs and bullets and drones and cell-phones, but NOT real pie in the sky.

I want pie in the sky.  I want a silvery moon that is made in China, not made by God.  I want a flat moon, not a sphere.  I have a flat-screen TV; now maybe you “get it”.  What is it with all that wasted space, and a side that you can never see?  I want a moon that, “push a button and flip it” is not lunacy, but is American fact.

The techno moon could be a weapon: the Pentagon (of Power) could use it; the CIA could use it; NATO could use it quite well.  Monsanto could use it to put chickens to bed early.  Educators could use it to get homework done long before bedtime, when it “really” gets dark.

Oh YES; everybody should be able to buy one.  Prices come down with mass production.  Share the patent on nano-tech mylar, stronger than dirt and only an atom or two thick, it’s the perfect medium for the medium that really could be the message that every person on earth really wants.  What’s a Cadillac, a BMW, a Rolex watch or a Swarovski crystal in a world where all that glitters is never gold.  Give her the moon!  Promise him anything, even the moon! (and really deliver!).

So, OK America.  You really aren’t trying.  Deficits can only get bigger, so why not get something big enough to really see (for your money).  Politicians, Corporations, promised the moon – make them deliver.  Make the term “new moon” be real, not some squishy science soliloquy uttered like a cellphone call walking down an empty street.

You could sell the moons in phases, good credit could give you a waxing gibbous, the 1% and the military could buy “full moons” (must be certifiably crazy).  The banks could buy moons by the dozen (cheaper that way) and float them over Congress or the Federal Reserve in case those institutions got crazy.  Oh, (I forgot) they ARE crazy.

So there really isn’t (or shouldn’t be) anything romantic about a moon being out or up or anywhere tonight.  It should be commonplace, common, nothing special.  Science should NOT be worrying about little things like making moons; science should make bigger things – like the sun.  Then we could have real DEBT, but think of the military applications.  Isn’t America worth it?  I ask you.

Icarus got it all wrong.  He wasn’t a bit like Rahm Emanuel.  Flying too close to the sun shouldn’t be real, the sun itself (compared to himself) should be seen as make believe.  Back to reality – it is an endless night over Chicago, and the real patriots are busy whittling stakes to drive through that already long dead heart.

2012.05.22 – 05:01.

“The future belongs to me”

May 18th, 2012

“The future belongs to me”

~ It’s such an old sad song, it is amazing that Rahm Emmanuel and Barak Obama still sing it.

Most people alive today probably don’t remember the Cabaret, the movie.  They probably don’t remember the history (too).  They probably don’t remember when things went viral really fast, and a song went viral in Germany and Austria and elsewhere.

Oh sure, I was raised on the idea that failed wars and economic loss and dislocation and piles and piles of unpaid debt could unhinge a country (or a world) and could quickly turn the best of citizens into desperate citizens seeking a new world, or a new world order if that is what it seems.

I was taught that “it’s Greek to me” meant that the American system started in Greece, was Greek, and that the people of Greece were worth listening to and reading about and one should know (too) something about Greek culture.

So the G-8 has completed the economic collapse of Greece and with NATO they are having quite the party this weekend in Chicago, Rahm Emanual’s home town, even though he seldom lived there.

There (too) is this thing about the music being the message, and about the power of music videos too and (too) how we all can learn from watching music and watching the web and looking at symbols and symbolism carefully just in case we might miss something if we don’t.

Yes, a lot of people have been posting and writing concerns about this weekend and how weakened Chicago is and how near to war we really might be against Iran and questions about which side America is really on on the road in the battle with fascism, or is life just a Cabaret, just about underwear and “under where” bombers?

So, the blond boy image of singing in the park, the plaza, the beer garden began to haunt me.  It was not this song that he was singing, he was singing the song with the words below:

The sun on the meadow is summery warm
The stag in the forest runs free
But gathered together to greet the storm
Tomorrow belongs to me

The branch on the linden is leafy and green
And the Rhine gives its gold to the sea
But somewhere a glory awaits unseen
Tomorrow belongs to me

The baby in his cradle is closing his eyes
And the blossom embraces the bee
But soon says the whisper, arise, arise
Tomorrow belongs to me

Now Homeland, Homeland, show us the sign
Your children have waited to see
The morning will come
When the world is mine
Tomorrow belongs to me
Tomorrow belongs to me
Tomorrow belongs to me

So as I was thinking about the “Homeland, Homeland” and “Homeland Security” I began to think of NATO, and I found these images (also here).


This picture shows the same idea with the Greek flag right by the side:

So, with all these images in mind you might want to keep in mind this video from Greece.  Really, you must see this video.

I don’t know why I didn’t “get” it a lot earlier.  The “new world order” is just the 1,000 year Reich all over (and obviously without Japan).  The four-pointed cross breaking through the circle has been redesigned (a bit), but quite obviously it is still the same and has the same meaning as it has always meant before – a fascist state, a uniting of fascist states.  Why is the truth so hard to take when it is so visible, so obvious, and now?

You know, I don’t know what is up for this weekend.  NATO is treating Chicago as if it were the capital of this earth.  It IS an invasion.  It probably can’t be good.

Maybe Mr. Nash is wrong.  Maybe it is better to stay home this weekend and not go to the “Homeland, Homeland” affair in Chicago.  There is no need to get chewed up by this machine.  There will be plenty of chances to fight the machine (soon) on a more advantageous day, a day not scripted for a slaughter.

This time it is time to stop the movie, not the machine, before they blame the whole thing on Iran.

2012.05.18 – 08:20.

Oh where, oh where to begin

May 17th, 2012

Oh where, oh where to begin

~ If it’s about lifestyle, maybe education is not where to find it.

I’ve been writing lately about my student loan, the one that was made, was paid, that then came back again to haunt me.

Last night I wrote a post about “the end game”.  I posted a letter about how I was dissed by the Department of education dismissing a lifetime of (their) lies by saying “it was an error”.  “You’re damn sure shootin’ it was error,” it was an error that took a lot of my life away from me.

But now the same bastards that are bastardizing education are stepping forward to defend it, through their fellow travelers at the National Center for Health Statistics (if that isn’t a useless agency, there isn’t one).  These guys, this gal, have done research on a 25 year old guy who even though he isn’t dead yet “they” know will die nine years earlier if he doesn’t get an education (meaning a postsecondary education, involving a student loan).

Oh, it doesn’t say that.  The study doesn’t track statistics based on debt, on student debt, on real life decisions.  As this article clearly shows (except you can’t really read it) getting an education is more about the big bucks than about the course of study.  Since you can’t read it, I will summarize it for you.  A failing kid, not bound to graduate, paid $200 for a weekend English course and got a “C” and graduated (presto, bango) no questions asked.

The Superintendent Winston Brooks (of Albuquerque) said simply that it was “usually the rich kids that do this, and the athletes”.  I guess that it is clear now why the rich do live longer, have a better and easier education even if their quality of life is NOT so good.

In the longevity article linked above Dr. David Katz, director of the Prevention Research Center at Yale University School of Medicine, said that “the good news is life expectancy has gone up”.  Is that really good news?  I guess it is “good” for the student loan industry because the students will have longer to pay, and pay and pay.

So yes, I guess I’m doomed statistically.  My student loan (experience) helped me make sure that I would never graduate from college.  So here we go, or I go.  Look here, the life expectancy for U.S. males is 75 years and 219 days.  But subtract the years lost because I didn’t graduate, nine (9) years, and that leaves me leaving (statistically) at age 65 and 146 days (plus one more for leap year).  So I can’t wait, eight months more and, “I’m outta here”, I graduate “for sure”, I move on to someplace a whole lot better where the lack of a (college) diploma will not cost me, cost me my life.

Of course the better argument would be that my student loan is what really killed me.  Everyone really knows that STRESS kills, that debt causes stress, that debt has never been so high is U.S. history or world history or in the classes that teach all kinds of history about “you” being history and “me” being history.

So I’m doomed and you’re probably doomed too (if you have a student loan).  You’ll die early, you’ve already died often.  You’ve already wanted to die because of the debt.  So it IS the end of the world as we know it; and I DO feel fine.

2012.05.17 – 17:01.

It’s a long hard road

May 17th, 2012

It’s a long hard road (song link)

~ Keep on clickin’ and kickin’.

If you have been reading this series of posts, “My Student Loan” for awhile then you are probably getting tired of clicking on the Rasmussen and Reinhardt letters, on the documents, on all the links that prove just about every word that I say.

You are probably outraged by now.  Like I was, you should be.  It is VERY tiring to read all the documents in detail, to cross-check each bit of information, to think about with honesty what lies were said.  It was far worse to live in the shadow of these lies when the only documents that were known was this one, and that copy was long ago lost (by 1990) when this whole ordeal began.  Before that summer the only proof that I had that I had fully paid (had satisfied) my student loan was that my transcript had been released by the University of Nevada in Reno (in early January of 1974).

Today’s new document is the document from the IRS that documents how they stole my wife’s tax refund check, which left us both short of cash and maybe short on food.  The times were tough then, at least a bit harder than they are now.

My wife started this mornings morning by showing me this link, (paragraph 6 & 7).  How does one pay (or payoff) a student loan without making (and selling) 89,000 bean bags?  The irony is that this:

came in the mail today from Discover Card (TM).  “Full-time students do not need to have even an income of $10,000 to get a Discover card.”  The college student of today gets”easy credit” credit cards while in college so that they can make student loan payments when they get out of school by growing their debt, with more debt, just like the federal government that created this whole mess insists on doing.

It took four (4) months for the IRS to withhold the Clayton IRS refund.  You can only imagine how many months it would take for them to issue a Form 8379 refund, perhaps years.  They would first have to collect the funds from Diversified Collection Services, if not the wrongly withheld funds would have to be added to the federal debt.

I seriously doubt if Congress has EVER investigated how fast, or IF the student loan collections corporations ever repay the IRS for wrongly seized money.  The reason why I say this?  Look at the June 26, 1991 Statement issued by USA Loans (USAF).  The $265.00 seized by the IRS one month earlier has not even been reported to the USAF.  This is despite the fact that on May 26, 1991 the IRS stated that, “We have applied all or part of your refund to fully or partially satisfy a past-due obligation…”

If the IRS did (and did not lie) then Diversified Collection Services (DCS) certainly takes its time in posting revenue (collections) received to the appropriate accounts.  As of July 8, 1991 (the last date of communications regarding this matter) there STILL was NO RECORD that DCS, Inc. (or USA Funds, Inc.) ever even acknowledged receiving the money that the IRS seized.  How much “free federal money” (interest free federal money) do these financial corporations really receive while the Mothers of America sew bean bags, waitress tables, scrub floors and watch their young children go hungry because they got married (to a student loan recipient) and he couldn’t get a decent job?

The student loan path to education has not reduced poverty in America, it has created it.

It was almost exactly one year from the time that DCS first contacted me and the time I got the whole thing settled.  There were a lot of “24/7” days and weeks, a lot of letters, a lot of writing and far too many trips to the post office to send things certified mail.

“Don’t mess with me”, I too, “may NEVER forget.”  This is especially true when the government is wrong, the system does not work and banks and bankers are engaged in an endless war of ruin and ruining lives.

There are (probably) more documents on this left to be posted.  However, this one is my favorite.  My wife likes to say I won.  I didn’t win.  The student loan racket and abuses grow worse every day.  They must be stopped and there is ONLY one way how.

In the letter the entire series of lies, deceits, frauds and criminal activities about which I have posted for nearly a week is “dismissed” by the U,S. Department of Education as “an error”.   No, there was only one ERROR made, the error was to even apply for even just one student loan.

It should be really simple.  Every student in America should be able to just say, “I made a mistake.”  At that moment ALL DEBTS (all student loans) should be instantly forgiven, wiped clean, files purged, the whole thing forgotten.  The reality is, that even the Department of Education (ED), never apologized, never said that “I’m sorry”, never admitted making a mistake.

ED is still in denial.  They say “a GSL was assigned in error”.  No, ED creates the rules and policies and approves the practices that in my documents you have seen; and you have seen clearly how poorly they work.  ED did it.  ED has shown no remorse, they keep “doing it” to millions of human beings that will have to wait until they are 60 (like I did) to realize the pain and destruction that the student loan industry always creates.

Americans fining other Americans for not getting a job that doesn’t exist is just plain stupid.  Paying Americans to make life miserable for other Americans is wrong.  The loss of hope, productivity, and trust that charging too much for an education too poor, is too much to bear.  Select people in select jobs in selected circumstances may have benefited from a few student loans in the past.  That was then, this is now. The “I’ve got mine” mentality is something we all need to get over, the “student” generation is NOT the enemy, they should not be used by the banks and by politicians as pawns.

Did you notice?  Daniel E. Oppermann did not even care enough about my letter to sign it himself.  Is anyone listening?

2012.05.17 – 07:30.

Why not just execute this corporation

May 16th, 2012

Why not just execute this corporation

~ This United Student Aid Funds, Inc. account statement for Donald Clayton was produced on September 30, 1975.

In recent posts I have documented the lies, the deceit, the travesty of what happens with student loans and inside the student loan industry.  I have explained how banks, universities, trade schools and others work with United Student Aid Funds, Inc. (USAF) in order to funnel money into a collection (agency) racket, creating perhaps millions and millions of loans that can NEVER satisfactorily be repaid.

Today the documentation gets deeper.  It starts with the document shown here showing the entry made exactly two (2) days after Assistant Manager Richard P. Reinhardt had stated that, “this account is settled”.  The United Student Aid Funds, Inc. (USAF) computers were documenting a different reality.  On January 17, 1974 (two days after the January 15, 1974 letter) the computer “print-out” stated that there was a Principal Due of $136.51.

Needless to say USAF DID NOT make any effort to inform Donald Clayton of this “newly created” student loan reality.  USAF never sent any statement to Donald Clayton indicating ANY amount owing.  Meanwhile, as one can see from this statement (printed out for an unknown reason as USAF interest was steadily growing, by the statement date in 1975 the “amount due” USAF was $148.46.

By June 26, 1991 interest had grown to $166.74 and the “Balance Due” was $303.25.

If the 33 1/3% “collection fees” ($101.09) were added to this amount the amount due would be $404.34 (about four hundred dollars).  However, that did not stop Diversified Collection Services, Inc. and the U.S. Department of Education from DEMANDING a payment of $1,051.53 (for this January 17, 1974 artificially generated) student loan in a letter generated on January 11, 1991, a date 17 years after the real student loan had been “paid in full” including interest and collection fees.

As you can plainly see from the letter, neither Diversified Collection Services, Inc. OR the U.S. Department of Education could or would provide any proof, rationale, or evidence for the demand for the additional $650 (six hundred and fifty dollars) over and above “principal, interest and fees” ($1,051.53 – 404.34 = $647.19).

The way this student loan collection racket works is that IF I were to pay the demanded $1,051.53, then a NEW collection fee of (1/3 of the amount collected) would be generated – $350.51.  This new amount would then show up on the USAF computers as an “unpaid principal” of $350.51; in reality the creation of a whole new, “unpaid” student loan that the collection corporations would wait another ten to twenty years to collect (like they did the FIRST time).  It is a perpetual money machine.

What is abundantly evident by the above documents, Reinhardt’s letter and the USAF statement, is a clear case of entrapment.   On a technicality one might argue that entrapment applies only to “criminal” activity and that not paying a student loan is NEVER criminal.  It is a criminal offense for a public official or his/her agent to patently and deliberately lie in the course of official duties.  It is also a criminal activity for a corporation to falsify financial records for the benefit of the corporation and the corporations agents, in this case the collection corporations.

Entrapment is, “engaging in reprehensible conduct by inducing persons not disposed to commit crimes to engage in criminal activity.”  Legally BOTH Richard P.Reinhardt and USAF, Inc. ARE legal persons and BOTH are guilty of “reprehensible conduct”.

The irony of corporate “personhood” is that the corporation is a “special and elite” person that is “above the law”, as a corporation cannot ever be put in prison, be executed, or be subject to the myriad punishments that are so effective in controlling the behavior of real persons (people).

If a falsely conceived “student loan” as documented above results in a wrongful death (a suicide), a divorce, an unfed member of a struggling family the corporation should be (if found guilty) executed, or imprisoned (banned from corporate operations for maybe 5 – 20 years).  “Personhood” should have consequences, not just a free lunch; every corporation should be tried and punished for the crimes committed.

What you plainly and painfully see by all the evidence (and there is MORE evidence to come) is that corporations and other (really real) persons are NOT on an equal playing field in America.  The banks and financial institutions have ALL the power, not the people.  And finally, the banks and corporations are using their power to DESTROY real people and to ENSLAVE them with endless debt, often if not always, illegally conceived.  Easy credit is in and of itself entrapment unless a financial corporation can prove beyond the shadow of a doubt that the person extended is “credit worthy” and has (and has had) an income that clearly demonstrates an ability to repay the loan.

The “housing crisis” PROVED the peril of easy credit and proved the death and destruction (of real human beings) that easy credit has wrought.  There are no reasonable “future earnings” for someone who has never had a well-paying decent job.  That line of thinking is a hypothetical, speculation, a claim unsubstantiated by all the evidence of history.  Any reasonable person knows that America does not need half the jobs it has. Machines do most of the real work, everything made can be made more cheaply and efficiently in China or many other countries of the world.  There IS a limit on how many waiters and waitresses and maids this country needs, especially when 80% of Americans cannot even afford to eat out or travel without more credit card use and debt.

The most real education anybody needs is to learn how to grow food in ones own back yard (or front yard).  America started this way, from scratch.  It can start this way again as everything moves swiftly toward the inevitable collapse.

2012.05.16 – 06:35.

A dangling conversation

May 14th, 2012

A dangling conversation

~On the borders of our lives.

The big news on Sunday was the story about a janitor and his graduation.  The student, the graduate, was aged 52.  He graduated from college without a student loan.

One can argue that the link (the graduate link) is to High School, I think not.  College is the new high school education, it is the mass experience, it is designed to be fun and social and socially networked.  It is NOT a real education at all.

In the distant past America was a leader in higher education.  No more.  In the 1920’s America spent more on education than the entire rest of the world combined.  The result was more patents on useful things, more expertise in everything, more things made in America than any other place.  No more.

What made America great was not debt, but effort.  Graduating from even high school in the old days was a real accomplishment even if the high school, the books, the buildings were there “absolutely free”.  College was even a greater experience, more special.

One had to really want to go to college in the 1930’s or 1940’s (before the GI Bill).  One had to really want an education, one had to earn the education by working part-time jobs and full-time jobs every summer or maybe by working for several years after high school before the college experience could begin.  Even then, college was not just a training school for a “basic” education or a trade school for a job in science or industry.  High schools offered “vocational” education (then), for that.

No, a college education was designed to expose people to philosophy, to theory, to the best ideas of western man, eastern man, ancient men and the ideas of a vast number of women too, “you have your Emily Dickinson, I have my Robert Frost”.

College (then) was about poetry, about the classics, about the ideas that were important to make America what it was in that day.  That era of America is long gone, is dead, was buried by the GI Loans and the government intervention and subsidy of higher education that turned “the greatest generation” into a generation of mush and mush-heads and mushroom eaters that confused higher salaries with higher thought.

Student loans were birthed in the military and were given birth with the intention of rewarding the warriors and war-mongers with the intention of diluting the “leftest radicals” that with their ideas of free speech and free thought and the idea that colleges and universities WERE the open marketplace of ideas that had, would, and would forever keep America great.  This was an outgrowth of “the thirties thing” and then became a mid and late “60’s thing”.

It was LBJ, the man behind the killing of Kennedy, that pushed for student loans.  It was the man that made the Vietnam War possible, impossible and impossibly bloody and divisive that wanted college campuses to be “over-run” with the poor and poorly educated middleclass masses (from “decent” homes) that would change the face of a college education forever.

There are very few people left alive today that even remember when the purpose of a college education was to uplift the abstract mind, and not to just get a better salary in a better job.  Better salaries and better jobs were what “job training” was for; college was once SPECIAL, different, somewhere where one went for different reasons and an exposure to “different” ideas.

The current generation of college instructors, administrators, paid staff and over-paid athletic directors are the sell-outs, are those who (unwittingly) sided with LBJ and “went all the way with LBJ” in the plan to destroy America, and everything good that it represented, by destroying America “from within”.

People that lament the killing of Kennedy, the assassination, the death and passing of Camelot should also lament the passage of government backed, bank backed student loans and the entire student loan program.

The intent of the student loan program was never to make America better, or the lives of Americans better.  The loans were designed to corrupt America, to monetize materialism, to make the military industrial complex not only possible, but to make it prosper.  From Vietnam to Afghanistan, the purpose of student loans is to support the endless war machine.

The plan (of course) worked.  Every generation after the academic purges following the uprisings on college campuses following the invasion of Cambodia and the military murders at Kent State has failed to stop any war or to challenge the military takeover of America.  And now that the college campuses and faculties have been thoroughly and completely neutralized, and the student bodies have been reduced to fear (because of student loans), there is no need to continue the charade, there is no need to do anything except let the entire edifice and structure “drop”.

Of course ALL the students, all the bought-off colleges and trade schools, all of the pathetic banks and other “financial institutions” will drop too, or will be dropped like a lead weight falling like an anchor from a ship.  The difference is that this time there will be no anchor chain, the entire ship (of education and state) will be cast adrift in the uncharted seas of the very near future.

That’s the “lesson” of this past Sunday’s lead story and the real reason why Congress (on both sides of the aisle) are using the student aid “interest” bill like a political football that has as much hot air as the one passed around by the gipper.  I do love to mix my metaphors.

So, here’s to (you) 52 year old Gac Filipaj.  You are an immigrant, humble, and a sage.  You have shown the way to an America that once more can be a land of riches.  The richness of your life is demonstrated by the way you have lived it, have struggled, have stayed debt free yet prospered.  In your story is a lesson for us all.

The “My Student Loan” documented story begins (began) here.  Or you can access all the posts here.

2012.05.15 – 03:55.

False promises of “Paid in Full”

May 14th, 2012

False promises of “Paid in Full”

~ We are wending our way through the “learn by doing” school of education regarding the student loan industry that no “formal” educational institution can ever offer.

The best part of THIS post is this post.  If it is documents that you want (or need), I have them.  I am posting them also right here.

The student loan disaster is like 1,000 Titanics sinking all at the same time.  It may not be bigger than Fukushima, not as deadly and nasty as BP in the Gulf (of Mexico).  But, I tell you it is HERE, and it is coming, and the loss and rage when the whole thing blows up and goes bust will be too big for even the Mainstream Media to ignore.

This Sunday I was reading the Wall Street Journal “news”.  It said two of every three (2/3) of this years graduates graduate owing a student loan.  There is a 50% unemployment rate among those this young, “educated” or not.  The news from Europe is about Spanish college students (age 27) whose only hope are to get to Germany and wash dishes (forever) just to have a job. 

If YOU think the rest of the FEDERAL GOVERNMENT and BANKS are any more honest about their figures and their facts and representations than the truth reported HERE then YOU probably do believe that the economy is coming back and that there is not imminent reckoning for the “powers that pretend to be”.

I was lucky.  I learned in 1990 and 1991 how desperate and corrupt this government and the financial community really was.  I learned how ineffective the various attorney generals were, and the laws regarding credit, debt and collections.  I learned how easily so many people lie.  I learned most of this just because I paid off (in full) a student loan and that wasn’t enough for a bankrupt nation state hell-bent to destroy the people of this country.

This “system” is in ruin.  Life itself has been structured to be non-stop SHOCK and AWE.  The idea is to create a crisis-a-minute, acute; a personal crisis or a public crisis that cuts quickly to the core.  My student loan (1990 – 1991 version) was just one such government assault, a war on me, a war on my wife and family, a WAR against both sanity and the family.  I’m not alone.  I’m just one of 50 or 100 million or maybe more. 

I’m all shocked out now.  I’m tired.  I’m tired of taking it and I’m tired of it continuing.

The revolution starts now, continues now, begins now for many millions.  There is absolutely nothing to lose, every student loan is a mortgage on all your property and on your entire life and on your husband or wife if you are (or ever get) married!

America is now not only a Police State, it is a nation of student indebted wage slaves.  There is NO HOPE unless the revolution starts now.  And since that is not going to happen in time for the many, the ONLY hope is for the few that take action and STAY AWAKE.  There will be no soft landing.  The growing anger is too great.

Stay with me.  Read my bits of history so that you too can learn how we got to where we are.  “They” have been tearing apart families as a habit for a long time with asking for one’s mother’s maiden name and who your parents are.  They use their information to destroy friendships, to turn friendly family members into informers, to create constant and universal distrust.  The simple solution is to not trust anyone with a claim to power, a will to power, who has a power over you.  Trust (only) in truth and God.

Enough.  Read the (linked) posts.  Think about your situation or the situation of those you love.  Then, TAKE ACTION.  Stop every student loan, demand your file, demand the original of every note.  Never take “no” or “I don’t know” for an answer.  Are you with me?

2012.05.14 – 06:06.

So you can’t buy a Moped, so what?

May 13th, 2012

So you can’t buy a Moped, so what?

~ Every student loan can ruin your credit even when fully paid.

My student loan story started a few days ago.  Today I posted the Interim Note that is proof that I had a student loan once, nearly 40 years ago.  If it had never been paid (in full) I would still be struggling to pay off the thing.  If I did not have the original loan document in my possession I would be still getting demands from some “damn fool” collection agency for more money and would have the IRS confiscating my meager Social Security checks (all of which is “legal” in the America of today).

I plan to soon post the documents that document the fact that my student loan was Paid in Full, then I will document the collection efforts undertaken by agents of the U.S. Department of Education 16 years AFTER the loan was fully paid.  The student loan situation in America is a REAL mess and it will soon bring down what little is left of the American republic, or is it the American public?

Before I got married in 1978 I didn’t own a car.  In July of 1978 I wanted to buy a Moped.  I walked to work (in a casino, a casino restaurant), but a moped would help me get further faster if the distance was greater than a few blocks.

I went back to the Bank (FNB, then First Interstate) where I had repaid my student loan well over four years before.  I thought that they would appreciate my “good credit”.  The problem was that they “didn’t know” that my loan had been repaid.  They had, “no such records”.  They said “no” to my request for a $325 loan for the moped that I wanted to buy.

I laughed (then).  I chalked it up to poor record keeping, poor research.  I went to my credit union where I worked and got the loan quite easily.  I paid the loan off in about a year.  12 years later my decision to not investigate the unpaid student loan claim came back to haunt me.  It was in July of 1990 when my student loan ordeal began.

There is a lesson here.  NEVER take any student loan lightly.  Don’t take or make any student loan at all.  It is NOT worth the education.

I hope that my student loan story is educating YOU about the clear and present danger of student loans and the student loan industry.

Soon you will see just exactly how it works.  Stay connected.

2012.05.13 – 08.22.

Free Federal (guaranteed) money!

May 12th, 2012

Free Federal (guaranteed) money!

~ Let’s look again at who really are the slackers and the cheats.

When I “took out” (applied for) my student loan the Federal Department involved was the Department of Health, Education, and Welfare.  Today the “Cabinet level Department” is simply the U.S. Department of Education.

An argument can be made that there is a relation between a citizen’s health, their education, and their ability to become employed – thus not needing “welfare”.  The same is true for U.S. corporate citizens.  A healthy citizen should not need welfare; a corporation or any healthy business should not need the federal dole, constant and increasing federal subsidies, special laws and legislation to keep the business well fed and well housed and alive.

So, who really benefits from the “free federal money” that IS the “student loan”?

The purpose of my sharing of my student loan life story is to clearly and with finality demonstrate that there is no free federal money for any so-called “student”.  ALL loan money will eventually have to be repaid, with high and above market-rate rates of interest.  Most loans will incur penalties and collection costs, but probably NOT attorney fees.  Those that profit from student loans need never to actually sue a student or their parents (or guardians), they have the whole federal bureaucracy (including the military and the IRS) to serve as their “collection agency”.

Most Americans reading this will assume that most student loans go toward subsidizing various colleges and universities and their extensive operations, very often meaning that most college football and basketball programs could NOT exist without the massive financial welfare represented by student loans.  ROTC programs would NOT exist as a means of propping up the military without student loans – the pool of “students” would be far too small.

Every business and corporation that has failed to contribute properly to the education and training of their own work forces is a federal welfare recipient.  Like IBM, those businesses that benefit most from student loans pay little or no taxes.

Yes, MOST four-year colleges are dependent upon the destructive forces of the so-called “student loan” industry in order to keep them alive in their fat and bloated modern form and size.  But so too are ALL Community Colleges, those two year institutions where, “less than half of students who enter a community college graduate or transfer to a four-year college within six years” and the average age of a student is thirty (30).   The ultimate (4 year) graduation rate for community college attendees is a closely guarded secret, certainly no “financial aid officer” is willing to tell an aid applicant that, “there is only a 35% chance that YOU will ever graduate from college, and that means (probably) that (the statistical reality) is that your student loan will go into default.

Such is the mania for “an education” in America.  It is a system that feeds its young into a fire of misery just to keep a few jobs safe, and incomes unreasonably high, for an elite few at the top of educational and corporate ladders.

But the misery of education does not end there.  Thousands of “trade schools” and “training schools” are the welfare recipients that receive the benefits of student loans (“aid”).  Most of such schools are scams.  I know, I worked for one, an “automotive training institute” that solicited uneducated and poor families with the “dream” of getting a well-paying job.  The catch was an “easy to get” student loan.  The reality was that less than 24% of loan applicants ever graduated, so the applicant did not get the “certification” necessary to get the “better” jobs.

The entire school was run like a Nazi academy, complete with a “uniform” of  trim black leather jackets that many of the employees wore, a gift for “good performance”.  I was “trained” in how to entice and confuse perspective applicants so that they would enroll in the “school”.  It took me just three weeks in order to find out how deceptive and predatory this automotive training company really was.  I quit in the middle of my training; after openly asking too many questions I was asked to leave.  Those that stayed as “admissions counselors” knew all about the “trade school scam” and had no problem with duping the gullible into a life of debt and financial destruction.  My three week employment was in 1988.  The scam of “trade schools” continues to this day through the miracle of “student loans”.

Again, I seem to be digressing.  The real point however is that there is really no way that most people receiving student loans can EVER prove that they were paid, which means that every student loan (in time) can be doubled (even tripled), interest can be added, penalties can be assessed and (financially) lives will be ruined.  I know.  I’ve “been there and done that.”

The bottom line about any student loan:

Always save copies of EVERY document and paper.  Save every document FOREVER.  Record EVERY conversation, or ask that the representation made is clearly stated IN WRITING.  Remember that “financial aid officers” are “in it for the money”, may be on commission and DO NOT have your interests in mind, but are AGENTS for the institutions and corporations that benefit from the money that YOU borrow and that THEY will fairly immediately receive.  Most of these people (agents) do not know what you already know by reading just the first two posts on this student aid report (My Student Loan).

And remember too that any promise or “guarantee” in writing can always be changed (at any time) by act of Congress.  The promises of any government massively in debt can not be trusted.  Your loan represents a government asset, a security, a lien against your entire life (forever, or at least as long as you are alive).

A final word.  IF a “friend”, a relative, a parent or even an employer talks to you about the “virtues of a good (higher) education” and IF obtaining that education (or training) requires a student loan – ask them if THEY will loan you the money instead.  They probably WILL NOT, a co-signed loan is not an option – the “Department of Education” will still come after YOU.

You have no idea if you’ll ever get a job, or if you will keep the job you have.  Your loan can be bought, sold or traded to anyone or any entity anywhere in the WORLD.  The “local angle” of a local bank is just a ruse to gain your trust.  The bank is just in it for the money.   They don’t care about the loan unless the bank can use the loan against you.  You’ll see, I’ve got proof.

2012.05.12 – 15:30.

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