America Is Changing Rick Sapp – 09/27/2019

Rick-CCR-Featured-9-27-19

America Is Changing
Rick Sapp – 09/27/2019

America Is Changing

In 13 months, we will defeat and send into well-deserved obscurity most of the violently anti-gun, anti-American candidates who are monopolizing the airways with whining. And good riddance.

But all of the “issues,” real or invented, that O’Rourke, Booker, Klobuchar, Castro, Harris and the rest are blathering about today will remain with us for many years. The vehemence of their attacks on America has, I believe, begun to change and divide this democratic republic permanently.

* How do we stop Planned Parenthood and find good homes for the 330,000 babies the organization murders every year?
* How do we end the “my-way-or-the-highway” attitude that has brought our government to a halt?
* How do we convince millennials that without viable borders, we will have chaos?
* How do we remind everyone who is not already a millionaire that capitalism offers a chance — the only chance in the world — to join that exclusive club?
* How, with the study of history dropped in favor of STEM studies, do we show that differences between rich and poor are part of every civilized society … and that this is a good thing?
* How do we address the basic issues that cause individuals to pick up a weapon and indiscriminately harm others?

The Use of Weapons in Society

We in the concealed carry community may be interested in all of the above issues, but we have a special concern about the use of weapons in our society.
Two banned novels with colorfully illustrated book covers: The Man Who Would be King by Rudyard Kipling and Robinson Crusoe by Daniel Defoe

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Because they present history at variance with the lens of political correctness, many classic books and writers are now banned from school and public libraries. (Rick Sapp photo)

Whether we find ways to reduce violence in America or not, whether there is an “epidemic of gun violence” as the buffoon candidates screech or not, if the Socialist left wins elections, we will find our firearms options severely limited. Should the screechers come to power and dominate politics in America (as they do the mass media now), the Second Amendment will not stand.

The fact that these “leaders” do not understand the difference between a semi-automatic and a tank or between a hair clip and a semi-auto magazine won’t stop them from implementing anti-gun agendas. Neither will their anti-gun agendas, if fulfilled, put a dent in violence in America.

What’s to Be Done?

We must address two factors to make a dent in America’s “epidemic of gun violence.” First, we must strengthen our mental health community and insurance support for counseling and intervention. Second, inner-city communities with high rates of gangs and violence must recognize that violence is a cultural issue and can only be solved within the culture. The imposition of programs, outreach and activism of all sorts will fail unless communities accept the responsibility to teach their children that the “culture of violence” is unacceptable.

The concealed carry community is part of the great silent majority who live in “fly-over land” between the coasts. But we can ill afford to be silent as the Socialist left reshapes our country. In the end, the attack on guns, religious faith and fundamental American principles is an attack on us. It’s personal. America may very well be changing, but this is a culture war. And we cannot afford to lose.

About Rick Sapp

Richard “Rick” Sapp was a U.S. Army infantry platoon leader until recruited to the 66th Military Intelligence Group. There, he worked with the West German KRIPO (Criminal Police) at Czechoslovakian border stations during the Soviet invasion of 1968.

Returning to the U.S., he earned a Ph.D. in social anthropology after studies at the U.S. Air Force Academy, Catholic University of America and the University of Florida, following which he moved to Paris, France, for a year.

After four years with the U.S. Fish & Wildlife Service, he turned to journalism and freelance writing, specializing in outdoor features. His journalism experience includes newspapers and magazines. He has authored more than 50 books for a variety of international publishers.

Rick is married and lives in Florida.

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Janet McDonald
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If there is enough tinkering with the voting booths, Trump may not be re-elected. That is what fears me. Last elections showed that it is not that hard for “them” to screw with the voting machines. “They” did not think that Trump would get so many votes, and “they” were very ill prepared. This time “they” know that Trump is going to get the votes, so if they cannot destroy him before elections, I feel “they” will see he don’t get elected, at any cost.

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Extremely Handsome Herb • 4 hours ago
Does no $hyt ring a bell in regard to the title of the article? And yes, people are very stupid, in fact, the more stupid you are the more likely you are to get into politics, Mr. Trump excepted.

For all of the do gooders we have in this Country facts make no difference, crime is down with the exception of about 4 Cities, and no they will never understand, because they do not want to understand. If they every bother to learn what they are talking about then they will think like us, and us is who they are against, so why would they ever want to be like us?

You have to keep in mind that the best job these people will ever have is to be elected to some office. And the only better job is to run for a higher office, these people will do anything to keep their job and will set their own mother on fire for a better job. There is no lie too great, no trick too dirty, whatever they can get away with is just fine. Every other person on the planet is expendable as long as they get elected.

Why would you spend $1 Billion to get a job which pays less than $450.000.00, it does not make any sense, but take a look at Uncle Joe, his whole family has been enriched by his being elected to every office which he has ever held and he cannot even find his way home all by himself.

We had better hope things change, but I mean for the American People to actually wake up to the facts which are very simple to find, you only have to be willing to learn and that my friends is why change is so very hard!

Semper Fie

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Steve H. • 6 hours ago • edited
They won’t just stop at the 2nd amendment, that is just the beginning. When that falls we will be unarmed, then they will take the 1st then the 4th………. Not on my watch!

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Frederick Davison • 7 hours ago
It isn’t the guns that they are after. It’s control! Plain and simple they want total control over the people of this great nation.

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John Kaline Frederick Davison • 5 hours ago
I’ve said it several times before, but those FEMA camps were put in place for some particular purpose, and it’s never been satisfactorily explained or proved to the general public who may soon become those camp occupants. If you just look around, I believe the state and federal governments already have all power they believe they need to exercise martial law and simply collect all the firearms the FFLs were required to keep records on about who and where they are presently located. Label me paranoid, but I still believe it.s better to be prepared than not.

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Juke 1751 John Kaline • 4 hours ago
NM has a large FEMA camp under the quise of holding illegal aliens.

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Frederick Davison John Kaline • 5 hours ago
That’s why it’s nice that I had a boating accident and lost ALL of my firearms

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GuitarsNguns • 8 hours ago
Just two years ago these same Dems were saying “nobody wants to take your guns we just want common sense gun laws”. Today they want to take our guns. We all know that this was their plan all along but now they are not hiding it and much to the chagrin of the establishment Democrats, they are saying it. We need to teach these little socialists a lesson by soundly defeating their sorry butts in the upcoming. I don’t worry much about Mr Trump getting re-elected but we all need to work to take back the House and increase our lead in the Senate where there are a half dozen RINOs we just can’t trust. If we can do this we will set the progressive movement back 20 years.

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Clark Kent • 8 hours ago
HOORAY for the ‘my way or the highway’ attitude that has brought our government to a halt! ‘Be thankful we’re not getting all the government we’re paying for’ – Will Rogers.

On Friday Democrat presidential hopeful Kamala Harris voiced support for government-mandated buybacks of AR-15s and other commonly owned semiautomatic rifles.

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GettyImages(DETROIT, MICHIGAN – JULY 31: Democratic presidential candidate Sen. Kamala Harris (D-CA) (R) speaks during the Democratic Presidential Debate at the Fox Theatre July 31, 2019 in Detroit, Michigan. 20 Democratic presidential candidates were split into two groups of 10 to take part in the debate sponsored by CNN held …Scott Olson/Getty Images)

Kamala Harris Supports Forced Buyback of AR-15s
https://www.breitbart.com/politics/2019/09/07/kamala-harris-supports-forced-buyback-of-ar-15s/

On Friday Democrat presidential hopeful Kamala Harris voiced support for government-mandated buybacks of AR-15s and other commonly owned semiautomatic rifles.
Bloomberg quoted Harris as saying, “I think it’s a good idea.” She admitted details are still outstanding regarding how the government would force gun owners to hand over their commonly owned semiautomatic rifles, but she made clear she supports implementing such a buyback plan.

Robert France “Beto” O’Rourke also supports a government-mandated buyback of AR-15s and other commonly owned semiautomatic rifles.

On August 24, 2019, Breitbart News reported O’Rourke claiming, “America has more guns than human beings.” He then transitioned to gun control, saying, “We need a mandatory buyback of every assault weapon in our country.”

On Labor Day, O’Rourke released a video in which he assured AR-15 and AK-47 owners that he was coming for their guns if elected to the White House.

He noted that some gun owners have expressed “fears” that he wants to take away their firearms. He responded to this fear by saying, “I want to be clear: That’s exactly what we’re going to do. Americans who own AR-15s and AK-47s will have to sell their assault weapons. All of them.”

On September 3, 2019, The View host Meghan McCain warned that there will be violence if the government tries to take AR-15s.

AWR Hawkins is an award-winning Second Amendment columnist for Breitbart News and the writer/curator of Down Range with AWR Hawkins, a weekly newsletter focused on all things Second Amendment, also for Breitbart News. He is the political analyst for Armed American Radio. Follow him on Twitter: @AWRHawkins. Reach him directly at awrhawkins@breitbart.com. Sign up to get Down Range at breitbart.com/downrange.

Parents Fighting For Kids After Police Team Forcibly Snatches Them Over Fever The victims are warning all parents that the state has the power to take your children at any time, and then place them with strangers, force the parents to perform all sorts of tasks, and fight a corrupted system of ‘protection’ to get their children back.

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This is Wrong!

Compilation Of News Media Collusion Lies, Pushing Impeachment


PUBLISHED: 2:00 PM 28 Mar 2019
UPDATED: 6:47 PM 28 Mar 2019

Parents Fighting For Kids After Police Team Forcibly Snatches Them Over Fever
The victims are warning all parents that the state has the power to take your children at any time, and then place them with strangers, force the parents to perform all sorts of tasks, and fight a corrupted system of ‘protection’ to get their children back.
by Georgette

A loving home has been destroyed because of one meddling doctor and offended DCS do-gooders.

A dramatic video shows Arizona police officers, with guns drawn, break down the door of a family home—not a suspected drug or child trafficker or a woman pepper spraying her foster kids—and snatch three children from the parents.

The reason?

One of the 2-year-old boys had a high fever, and the parents took him to the doctor.

When the doctor found out the boy had not been vaccinated, he ordered the mother to take the child to the hospital. However, when she got home, the boy’s fever dropped.

She told the doctor that she decided not to go to the hospital since the child was playing and had no fever, but the doctor contacted the Department of Child Safety (DCS). DCS called the police and made the check on the boy.

When the police got to the home late that evening, the father refused to allow an invasive search.

So, police got a warrant, spurred on by DCS do-gooders, come back to the house at 2:00 a.m., and broke down the door.

They then took all three children into custody and placed them with various strangers approved by the system.

Fox News reported:

State Rep. Kelly Townsend criticized the raid as excessive.

“At that point who now owns control over the child?” Townsend said. “And it seems like we’ve given that now to the doctor and the parent no longer has the say or they risk the SWAT team taking all of your children and potentially the newborn.”

Chandler Police said the officers who raided the home were regular officers and not a SWAT team.

Nicholas Boca, the family’s attorney, said that type of force should be “reserved for violent criminals.”

“All because of a fever,” Boca said. “It’s absolutely ridiculous.”

“It was not the intent (of the law) that the level of force after obtaining a warrant was to bring in a SWAT team,” Townsend said.

“The imagery is horrifying. What has our country become that we can tear down the doorway of a family who has a child with a high fever that disagrees with their doctor?”

“What about parents’ rights to decide what’s best for their child?” Townsend said. “Parents felt the child was fine. Next thing we know, the Gestapo is at their door.”

Now, the parents are fighting to get their children back and warning others:

Arizona Central reported:

A DCS caseworker called Chandler Police and “requested officers to check the welfare of a two year old infant,” according to police records. A caseworker said he was on his way to the house.

It was about 10:30 p.m. when two police officers knocked on the family’s door. The officers heard someone coughing.

Officer Tyler Cascio wrote in a police report that he knocked on the door several times but no one answered.

A neighbor approached the officers and police explained the situation. The woman said she knew her neighbor and that “she was a good mother.” At the request of officers, the neighbor called the mother and said police wanted to speak with her.

The DCS caseworker arrived and updated police on the toddler’s fever and the mother choosing not to take her child to the hospital. The officer called the family’s doctor, who repeated her recommendation that the mother take the child to the hospital.

Police dispatch told the officers that a man at the home had called requesting that they call him. They called, and the man identified himself as the sick boy’s father.

The officer said they told the father they needed to enter the home for DCS to check on the child. The father refused, explaining that his son’s “fever broke and he was fine,” according to police records.

Officers tried to call the parents again, but no one answered. They told the caseworker the parents refused to open their door.

At about 11:30 p.m., the caseworker informed officers that DCS planned to obtain a “temporary custody notice” from a judge to remove the child for emergency medical aid.

The caseworker “advised they obtained a court order for temporary custody in order to take (redacted) to the hospital.” The order was signed at 12:04 a.m. by Judge Tracy Nadzieja, according to police records.

Cascio wrote that officers consulted with the police criminal investigations bureau and SWAT.

“Based upon the court order, the intent of DCS to serve the order, and exigency to ensure the health and welfare of the child, the decision was made to force entry to the home if the parents refused to respond to verbal requests,” according to police records. Police knocked, saying they had a court order and would force entry if needed, according to police records.

The Republic has requested the police-worn body-camera footage.

It was after 1 a.m. when officers kicked down the family’s door. One officer carried a shield, while another was described as having “lethal coverage.” Officers pointing guns yelled, “Chandler Police Department,” and entered the house.

The father came to the door. Officers placed him in handcuffs and took him and the mother outside. Inside, they found a juvenile who said she was sick and had thrown up in her bed.

Officers said the home was “messy” with clothing piles and concrete floors. In the parent’s room, a shotgun lay next to the bed, according to police records.

The caseworker spoke with two of the children without their parents present. He told officers it was “necessary to obtain a temporary custody order” for the parents’ two other children, according to police records.

Since there was no “criminal incident” and because the mother refused, no photos were taken inside the home, according to the police records.

Neither of the parents was arrested.

Officials took the parents’ three children to Banner Cardon Medical Center.

a Mesa juvenile court hearing 10 days later, the parents got their first chance before a judge to fight for their children to be returned.

Each parent had an attorney. The parents had raised a family together but weren’t legally married.

The father’s parents sat on a bench next to a friend of the mother. Ford and Christina Lawler, with Arizona DCS Oversight Group, sat quietly listening and taking notes. Townsend, the state lawmaker, sat near the grandparents. She wanted to see whether the family’s rights had been violated.

A lawyer for the state Attorney General’s Office, representing DCS, asked the judge to close the hearing to the public.

In Arizona, we like our courts to be open, Judge Jennifer Green said. After listening to the lawyer’s reasoning — the attorney said members of the news media were in the courtroom and the family had spoken with the news media about the case, which he said wasn’t in the best interest of the children.

Attorneys for the parents said they hadn’t known of any restrictions on them speaking with media.

Green denied the request to close the hearing, but warned everyone that they could be held in contempt of court if they revealed personally-identifiable information about the children or any others mentioned in the hearing.

Attorneys for the parents said the children hadn’t seen each other since being taken from their parents’ home. The parents had only had one visit with their older children. DCS officials told the parents the toddler couldn’t make that visit because he was at a medical appointment.

The state’s attorney argued that the children shouldn’t be returned to their parents yet because they’d been hostile to DCS workers and weren’t cooperating. He said the parents had attended a DCS visit with members of Arizona DCS Oversight Group who were combative toward DCS workers. He said the grandfather had tried to videotape a meeting with DCS, and recording is not allowed to protect the privacy of the children.

DCS wanted the parents to undergo psychological evaluations.

Attorneys for the parents argued such evaluations were for people who had a history of mental-health issues, which neither parent had. They said the parents weren’t hostile, but they were living a nightmare that started with a child’s fever. They were woken up in the middle of the night, police busted down their door, brandishing guns and their three children were taken from them, attorneys said. The grandfather did what most people would think they had the right to do — record government officials.

The father had agreed to drug testing and the grandparents had agreed to background checks in hopes of becoming temporary caretakers for their grandchildren. Everyone was cooperating, the father’s attorney said.

A court-appointed guardian ad litem, who’s assigned to look after the best interests of the children, said he had one primary concern: Each child was still in a separate foster-care placement. Not only were the children separated from their parents, but this was also the first time they’d been separated from each other.

The judge asked the parties to attend an expedited hearing that afternoon.

After the hearing, in the courthouse hallway, the father held the mother in his arms. She cried and rested her hand on her pregnant belly.

Townsend spoke with the father about the road to getting his kids back.

“Why do they make it so hard?” he said with tears in his eyes. She tried to comfort him.

Outside the courthouse, Townsend said she didn’t know the parents personally but was disturbed by the case.

“It was brought to my attention that these parents may have been targeted by the medical community because they hadn’t vaccinated their children,” she said.

Townsend said parents who don’t vaccinate their children because of medical concerns aren’t criminals and shouldn’t be treated as such. She worried physicians were using it as a reason to refer parents to DCS.

“I think if DCS decides to use this as a factor they would be violating a parent’s right to have a personal exemption, a religious exemption and perhaps a medical exemption,” she said.

Townsend said the hearing opened her eyes to issues she will raise with fellow lawmakers. She questioned why the state’s attorney and DCS used the parent’s frustration with DCS to label the family as hostile and argue they weren’t cooperating with DCS.

“It doesn’t say anywhere that after your kids are taken, after police bust down your door, that you have to be nice to DCS to get your kids back,” she said.

It was just before 2 p.m. when the parents walked back into the courtroom.

A DCS investigator, a former police officer, took the stand. She said upon visiting the hospital, doctors found the toddler had RSV, a respiratory virus that can cause serious illness in young children. She said the parents weren’t complying with DCS’ request to provide medical records for the children. She said they also weren’t following steps to regain custody of their children.

One of the parent’s attorneys asked the DCS investigator to outline specific steps the parents must follow to get their children back. The caseworker said she couldn’t remember any of them.

Attorneys for the parents claimed DCS was angry at the parents for speaking with the media and as retribution DCS officials were making it more difficult for the family to regain custody of their children. They said the child’s fever had gone down, as evidenced in medical reports.

The judge asked what was delaying placing three children with their grandparents. The state’s attorney said the grandparents still needed a home-safety check.

Green asked if that check could be expedited. The state’s attorney said DCS contracts with a company to conduct safety reviews and has no control over timelines but that it could take up to 30 days.

The guardian ad litem, representing the best interest of the children, told the judge he didn’t see why the children couldn’t be cared for by their grandparents while their parents worked with DCS to regain custody.

The judge said the removal was warranted, citing the mother’s refusal to follow the doctor’s orders. She said records showed the family had a history of domestic violence, noting an incident in which the father punched a wall.

She approved psychological evaluations for both parents, saying it would help identify the best services for the parents. She ordered DCS to complete a safety check of the grandparents’ home within four days. And she ordered the father to continue drug and alcohol testing.

She reminded the grandparents and parents that they were no longer in control of the children’s medical and health decisions. If a doctor orders treatment, the family must follow those directions, she said.

Then, she told the parents to remember that the state had them on a family-reunification plan and wants them to regain custody of their children.

After they left the courtroom, father and mother, both in tears, embraced.

The parents declined an interview with The Republic. They said they were afraid saying anything might upset DCS officials and hurt their efforts to regain custody of their children.

ord, with the DCS watchdog group, said this is how it goes.

“They (DCS) had no right to bust into this family’s home and take their kids,” she said in the courthouse parking lot. “But now, they (DCS) have control of this family. These children are traumatized, and all over a fever that wasn’t even a fever anymore when they went the hospital—just like the parents had said.”

She was upset with Townsend and other Arizona lawmakers who talk about holding DCS accountable but never do. Meanwhile, children and their families suffer, she said.

“They hold the purse strings, if they wanted to force DCS to make changes that would protect family’s rights they’d stop funding them,” she said.

Townsend hopes this case is an outlier, but the only way to know for sure is to review DCS child-welfare check policies, medical providers’ power over families and the DCS warrant process for removing children.

This case is more than enough reason to be concerned, she said.

“The fact that they got the warrant shows it wasn’t a matter of exigency by definition — it wasn’t something that they were rescuing this child from imminent death,” she said. “The expectation of child welfare is we’re thinking about the children in the family. We’re not talking cartels holding someone who’s been kidnapped, we’re not talking about a drug bust, we’re not talking about a flight risk. We’re not talking about any of that. This was a family with a child who has a fever. … We used a SWAT team on a family with a child with a high fever.”

On March 15, the father told The Republic that DCS had placed their three children with his parents.

“We get to see them again,” he said. “Thank God.”

He still can’t shake the night police kicked down their door and entered his home with guns drawn. He still can’t believe they took all three of their children.

He said he has asked DCS why the caseworker never presented himself and showed a warrant for removal, but he hasn’t received a clear answer.

“I know people have the right not to let the police into their home,” he said. “But if the caseworker had called me or knocked, and shown me their warrant, I would’ve let them in.”

He said home security video showed police had stated they had a DCS warrant for removal, but the family didn’t hear them because they were sleeping in the back bedrooms with their sick children.

The judge’s approval of DCS’ request for psychological evaluations has created another barrier to regaining custody of their children, he said. The wait for an evaluation is months, he said.

Short-Term Pain, Long-Term Wonder Foreclosure.com Scholarship Program Winning Essay 2017, (Grand Prize)

You know, I just read the following article, and see that the “Millennials” are being brain washed. Goldman Sachs said back around 2008 “Only the rich should own houses, everyone else should be renting”. Sorry, I am still looking for the article wherein I quoted from. I will find it, I used that in a brief.

I knew that meant trouble. Even with foreclosure hell in the middle of its heyday, it still meant something. Not long after that, people being foreclosed upon, began being offered the chance to rent the house that they just lost.

Now, these third party entities popped up almost over night, and instead of the properties at foreclosure, reverting back to the lenders, these third parties now purchase at foreclosure auctions. Then they offer to rent you your house, or take you to magistrate court and have your thrown out, instead of the banks having to do that.

Funny thing, if you research most of these third parties, back far enough, the banks own them too, so still the same thing, just different names. Nevertheless, I could not help but post the article. It is obvious that “they” want us all in little apartments in and around the cities, easier to control “us”. I just had not realized that they were in the progress of brain-washing the Millennials into not even wanting to own a house.

Read the article:

Short-Term Pain, Long-Term Wonder
Foreclosure.com Scholarship Program Winning Essay 2017, (Grand Prize)
https://article.foreclosure.com/short-term-pain-long-term-wonder-82f82b90ff52
Go to the profile of Foreclosure.com Staff
Foreclosure.com Staff
Feb 28, 2018
By Jack Duffley | University of Illinois At Urbana-Champaign

foreclosure-kid
(photo from https://article.foreclosure.com/short-term-pain-long-term-wonder-82f82b90ff52)

In the gleeful times of 2005, my parents decided, like so many others, that it was time to “upgrade.” They sold our smaller home on the other side of town, which had appreciated nicely, and bought a 3700 square foot behemoth in a town with already exorbitant property taxes. My younger brother and I were thrilled to finally have a basement, our own rooms, and even a concrete basketball court in our backyard! All eight-year-old me knew was that things were going to be a whole lot more comfortable from there, and my optimistic parents seemed to think the same.

Jack Duffley | University of Illinois At Urbana-Champaign
The year is 2017, and my parents have only just now reached the equity levels in the house that they started with over a decade ago, nearly one-hundred-fifty mortgage payments later. However, after being bombarded by extremely high taxes for that entire time, they are essentially underwater on the property, but see little choice but to hang on for dear life until equity recovers just a bit more before they abandon ship. A thin retirement plan, mostly resting on the house, has forced their hand.

My parents’ story is in no way unique; millions of Americans who purchased homes before the 2008 recession have faced similar dilemmas, often worse than theirs. Many had no choice but to foreclose during the worst of it. After all, the homeownership rate has declined almost 5 points nationwide since the recession.[1] If anything, they can be considered lucky, yet they are still stuck in the mud. Their children, on the other hand, are now at their own fork in the road: to be [a homeowner] or not to be.

And, all things considered, they are often choosing not to be. The census shows a stark dip in homeownership among those under the age of 35 of almost 10 percent, lowering significantly from its peak pre-recessionary levels of 43 percent to a dismal 34 percent. At the same time, rental vacancy rates nationwide fell from over 10 percent to less than 7 percent as more people turned to renting, millennials especially.[2] Why is this happening?

Aside from the obvious fear of the failure that their parents faced, millennials are renting more as they define their own unique lifestyle. Millennials, in ever increasing numbers, are focusing on “living now.” They are choosing to move into urban areas in particular. As a predominantly liberal group, and with large cities tending to lean left, this is partially due to political forces. The majority, however, is due to lifestyle conveniences that come with a city: multiple options for transportation and not needing to own a car, proximity to cultural events and nightlife, and, especially with the decline of the suburbs as retail simultaneously sinks, a more positive future economic outlook. They more readily take the loss in living space for these benefits than their previous generations did.

At the same time, a growing number of millennials are facing burdensome student loan debt. Rather than come out of college with pristine back-end ratios primed for a hefty mortgage, they are handcuffed by the debt that they have amassed in their early twenties. As the Pew Research Center has noted, 37 percent of people under the age of thirty have student loan debt. They contribute to the $1.3 trillion in student debt, leverage that could presumably be used for a mortgage or some other useful credit if it were not locked up already.[3] Millennials are trying to increase their earning power by going to school so that they have the opportunity to advance economically, but it is simultaneously holding many of them back via years of extra debt — debt that is notably not going to a physical asset.

What does this mean for real estate? For the single family home market, it spells disaster, at least in the short term. Grant Cardone, one of the premier real estate investors in the world, calls homeownership a “scam,” and emphasizes that renting over homeownership among young people is becoming more and more popular. He notes that there is a huge need for affordable rentals as millennials deviate away from single family homes. Cardone is always one to advocate renting as a more advantageous and flexible lifestyle choice, and, as it has been mentioned, millennials increasingly value the flexibility that comes with renting instead of buying a home. Many, like Cardone, now see homeownership as a solely negative ordeal.

While it may not be up to the level of a “scam,” there are significant drawbacks with owning a home. For one, it locks up a significant amount of capital, money that could be used for a number of different projects or investments. In sum, homeownership is very expensive, at least in the short term when people make their initial down payment and any potential renovations. This makes it very hard to own a home for people of all ages. Additionally, owning a home can financially lock someone to a particular location, one which they might not want to be in after a while. Finally, for those hoping for appreciation when they purchase their home, as with any investment, there is a chance that it does not pan out. A poorly timed crash can wipe out an owner’s equity in seconds just as it did to my parents and so many others.

While there are drawbacks, the Great Recession and its subsequent lifestyle shift suggest the lack of education about the benefits of owning real estate. Even my parents are constantly warning me of the dangers of homeownership; the shift is not totally driven by millennials themselves. They too are still shaken by their mistakes and the sledgehammer that was the crash. They ignore the value of building equity over the long term, the typical tax benefits that come with a primary residence, and the relative stability of the real estate market because they mistakenly overpaid for a house that, in hindsight, they cannot comfortably afford in a downturn. They just hope that I do not do the same, and rightfully so. However, what millennials should have learned from the recession is not that real estate is bad, but that they simply must be careful and reasonable with what they assume when purchasing it.
3310-Harrison-Rd-east-point
Unfortunately, the average consumer purchases on emotion. With the tremendous amounts of emotional trauma from the recession, millennials are increasingly refusing to buy a home as their parents might have desired at the same age. But what are they purchasing in its place? Many take on higher rents, consistent with the “living now” mentality. Many more use their money to buy a wealth of products online. Some are even speculating on cryptocurrency, something far more unknown than real estate, expecting to make a lot of money. Why do they do that? Because the average consumer purchases on emotion, not on something systematic. Real estate has already been proven to be a relatively safe and a potentially very powerful asset. Instead, the negatives have been, and continue to be, emphasized. This masks the positives of owning a home, or even a simple condo. Millennials in some cases are mistakenly ignoring all real estate and not just the kind of overleveraging or speculating that got their parents into trouble.

Does this spell the end to America? Will the country burst into flames as millennials move to urban areas? Of course not. It must be noted that the current trend does not own the future; millennials could very well begin to purchase homes in huge numbers, especially as prices drop over the next few years. While it is likely that this will not be the case, it is impossible for anyone but millennials themselves to determine that.

What is certain is that, in the short run, there will be pain. The single family housing market is going to suffer as millennials make lifestyle choices contrary to their parents. The market will be oversupplied with single family homes. However, millennials will still need a place to live, just like anyone else. Their increasing demand for urban locations and conveniences will push rent up in cities, as it already has in places like San Francisco and Seattle. This will open a new, and huge, opportunity for real estate investors and developers alike to profit in the cities as millennials develop their own American Dream. After all, a dream is only what a person makes of it, not what someone else defines it as.

References:
[1] U.S. Census Bureau, Annual Homeownership Rates for the United States and Regions: 1968–2016, (accessed Dec 10, 2010), https://www.census.gov/housing/hvs/data/charts/fig05.pdf

[2] U.S. Census Bureau, Annual Rental Vacancy Rates for the United States and Regions: 1968–2016, (accessed Dec 10, 2010), https://www.census.gov/housing/hvs/data/charts/fig03.pdf

[3] Anthony Cilluffo, “5 facts about U.S. student loans,” Pew Research Center, last modified August 24, 2017. http://www.pewresearch.org/fact-tank/2017/08/24/5-facts-about-student-loans/

The winning essay above was submitted to Foreclosure.com’s scholarship program.

The 2017 essay topic:
IS THE “AMERICAN DREAM” OF ONE DAY OWNING A HOME ALIVE AND WELL AMONG MILLENNIALS?
Millennials having experienced the “Great Recession,” which was the traumatic housing crisis that triggered the financial crisis a decade ago. As a result, data suggests that Millennials (those born between 1981 to 1997) have been slow to adopt homeownership. Discuss the pros and cons of homeownership for Millennials, as well as which factors could increase or decrease homeownership among the generation. Will their collective hesitation and apprehension hurt them in the long run or are Millennials simply in the process of re-defining the “American Dream?”

We’ve Entered Full Clownworld


We’ve Entered Full Clownworld
October 27, 2018
https://forbiddenknowledgetv.net/weve-entered-full-clownworld/

My friend John Barnwell recently described the news media of our times as akin to “being in a wind tunnel”. This was true until the FBI’s arrest on Friday of the “MAGABomber”, Cesar Altieri Sayoc Jr., a homeless retired male stripper living out of a van that’s elaborately festooned with Trump stickers. Now, we’ve entered full Clownworld.

A few grains of ricin the size of table salt can kill an adult human. On October 2nd, envelopes that tested positive for ricin were mailed to President Trump, Defense Secretary James Mattis and to Chief of Naval Operations, Admiral John Richardson. Two days later, police arrested former US Navy sailor, William Clyde Allen III of Logan, Utah in connection with those mailings. This story received next to no media coverage.

What has received wall-to-wall coverage on the Mainstream Media is a so-called “mail-bombing spree”, in which 13 packages containing prop pipe bombs were allegedly sent through the US Mail from Sunrise, Florida, without any of them being postmarked and all apparently having been hand-delivered to each targeted location, from NYC to California and in between.

(image from https://www.rt.com/usa/442176-cnn-pipe-bomb-photos/)

Bomb squads would have been called in to extract and to safely detonate the bombs. However, none of these “bombs” were detonated, likely because they couldn’t be. Some were even officially reported to be “incapable of exploding”. Nevertheless, FBI Director, Christopher Wray took great pains during a press conference to stress that the IEDs were “not hoax devices”.

A fingerprint and a DNA match on the scotch tape used to seal the packages and on file with the FBI allowed the case to be solved at breakneck speed. Sayoc was initially cooperating with investigators, telling them that the pipe bombs wouldn’t have hurt anyone and that he didn’t want to hurt anyone.

Sayoc has been charged with 5 Federal Crimes: 1) interstate transport of explosives, 2) illegal mailing of explosives, 3) threats against former presidents and other persons, 4) threatening interstate commerce and 5) assaulting current and former Federal officers. He is looking at 48 years in Federal Prison if convicted. At least he’ll have a roof over his head.

Joe M, the creator of some viral videos about QAnon has expressed his skepticism of the official story and the details which make him suspect that this story is a Clownworld False Flag in these additional points:

1) The MSM seemed to be on message with this story from the outset, with their coordinating headlines, which immediately referred to “bombs”, when these so-called bombs had no activator, no trigger and weren’t composed of any explosive substances.

2) The package sent to John Brennan at CNN had its contents taken out and photographed extensively, without any concern for safety.

3) The media has lead us all to believe that these packages actually arrived at the residences of Obama and the Clintons. The USPS does not deliver mail to anyone under Secret Service protection. All of their mail gets delivered to a Secret Service field office. If these packages were delivered to their private homes, they were not delivered by the US Postal Service.

4) Sayoc’s profile showed that he was a Democratic voter but shortly after everyone began posting about this, his profile was updated to Republican – but now, all of his social media accounts have been taken down.

5) Pictures of the “Trump stickers” on Sayoc’s rear window are totally mismatched from one picture to the next. Is this why the FBI put a tarp over the van, when they took it away to their lab? Additionally, as many have noted and as anyone who has ever lived in Florida will tell you, the extreme heat and humidity there are absolute murder on a car. Yet, all of Sayoc’s Trump stickers are totally pristine.

(pix from https://www.truthdig.com/articles/the-suspected-bombers-van-needs-to-be-seen-to-be-believed/)

6) An odd detail which may or may not mean anything is that the stamps affixed to the packages are 2016 “Forever” stamps, not 2018.

7) Cesar Sayoc Jr. had multiple aliases, including Cesar Altieri Randazzo and Cesar Anthony Altieri.

8) The corrupt Broward County Sheriff, Scott Israel is in charge of this investigation…the same Scott Israel in charge of the Parkland shooting.

9) Sayoc was a mailroom clerk at Parkland High School!

10) His social media accounts were still up early Friday and someone took a screenshot of one of his characteristically semi-literate posts, which Sayoc made back in 2016: “I would like to wish my great friend from Academy 9 yrs military school Ricki a happy birthday and lifetime from CIA. Congrats on your invention and many successes my brother.”

The person who he was congratulating was Enrique “Ric” Prado, then a 25-year veteran of the CIA, serving six overseas posts, including Station Chief in a deliberately unspecified Muslim country. Domestically, he was Chairman of Operations for the DCI’s Counterterrorist Center for Ambassador Cofer Black during 9/11 attacks and subsequent war on terrorism and as a Deputy on the original Bin Laden Task Force as well as a recipient of the Distinguished Career Central Intelligence (the highest award given to senior officers), as well as CTC’s George HW Bush Award for Excellence in Counterterrorism, among others.

11) This is pretty crazy. On October 26th, 2012, Trump tweeted a warning of an “Obama bomb” that would throw the 2012 election. On October 26th, 2018, he tweeted again about “bomb” stuff that could throw the 2018 election!

There are many unanswered questions and Dave from the X22 Report does a good job of asking them in this video.

Maybe they should have looked at those who have threatened to bomb the Whitehouse, Madonna. Along with the numerous threats made against Trump’s life, I would think those people should have been on the list of suspects. But then, it’s Ok to threaten the US President and send ricin to him and his family, and most of us never hear about it. Everytime someone does something against the Democrats, it is big news, even if the bomb could have never exploded. What a world we live in! I guess money buys everything.

Speaking of money, I was checking out the sponsors of the different political entities here in GA. All of the anti-gunners accepted donations from George Soros, Alexander Soros, or both. WTF? Soros don’t have anything to do with GA. I bet they give to all of the anti-gun legislators in your state too!

RBS bankers joked about destroying the US housing market By Rob Davies

RBS bankers joked about destroying the US housing market
By Editor August 16, 2018
http://www.theeventchronicle.com/finanace/rbs-bankers-joked-about-destroying-the-us-housing-market/


A boarded up building in Cleveland, Ohio, in January 2008. In the build up to the crisis mortgage lenders were incentivised to make as many loans as possible. Photograph: Timothy A. Clary/AFP/Getty Images
Transcripts of pre-financial crisis conversations show senior bankers’ disregard for customers

By Rob Davies

RBS bankers joked about destroying the US housing market after making millions by trading loans that staff described as “total fucking garbage”, according to transcripts released as part of a $4.9bn (£3.8bn) settlement with US prosecutors.

Details of internal conversations at the bank emerged just weeks before the 10-year anniversary of the financial crisis, which saw RBS rescued with a £45bn bailout from the UK government.

The US Department of Justice (DoJ) criticised RBS over its trade in residential mortgage backed securities (RMBS) – financial instruments underwritten by risky home loans that are cited as pivotal in the global banking crash.

It said the bank made “false and misleading representations” to investors in order to sell more of the RMBS, which are forecast to result in losses of $55bn to investors.

Transcripts published alongside the settlement reveal the attitude among senior bankers at RBS towards some of the products they sold.

The bank’s chief credit officer in the US referred to selling investors products backed by “total fucking garbage” loans with “fraud [that]was so rampant … [and]all random”.

He added that “the loans are all disguised to, you know, look okay kind of … in a data file.”

The DoJ said senior RBS executives “showed little regard for their misconduct and, internally, made light of it”.

In one exchange, as the extent of the contagion in the banking industry was becoming clear, RBS’ head trader received a call from a friend who said: “[I’m] sure your parents never imagine[d]they’d raise a son who [would]destroy the housing market in the richest nation on the planet.”

He responded: “I take exception to the word ‘destroy.’ I am more comfortable with ‘severely damage.’”

Another senior banker explained to a colleague that risky loans were the result of a broken mortgage industry that meant lenders were “raking in the money” and were incentivised to make as many loans as possible.

Employees who might raise the alarm about the riskiness of such lending “don’t give a shit because they’re not getting paid”, he said.

The bank made “hundreds of millions of dollars” from selling RMBS, the DoJ said, while disguising the risk they posed to investors, which included a group of nuns who lost 96% of their investment.

By October 2007, as signs of stress began to show in the banking system, RBS’ chief credit officer wrote to colleagues expressing his true feelings about the burgeoning volume of subprime loans in the housing market.

He said loans were being pushed by “every possible … style of scumbag”, adding that it was “like quasi-organised crime”.

“Nobody seems to care,” he added.
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The DoJ criticised RBS’ failure to do due diligence on the loans it was packaging, saying the bank feared it would lose out to rivals if it performed stricter tests.

One analyst at the lender referred to the bank’s due diligence procedures as “just a bunch of bullshit”, according to the transcripts.

When the bank became concerned about the poor quality of loans and started imposing tighter due diligence, one senior banker complained, saying: “Oh, God. Does anyone want to make money around here any more?”

RBS expected to make $20m from one deal that involved trading particularly risky loans, but faced resistance from the bank’s chief credit officer.

A senior executive responded to the concerns by telling the bank’s head trader: “Please don’t fuckin’ blow this one. We need every dollar we can get our hands on.”

Internal conversations between bankers also offer some insight into their growing realisation of the poor quality of the loans the bank owned and sold.

In September 2007, one trader referred to an appraisal of loans as giving “pretty shitty results”.

The transcripts were released by the DoJ as it confirmed the details of the settlement with the bank over its trading in RMBS.

RBS said: “Under the terms of the settlement, RBS disputes the allegations but will not set out a legal defence, while the settlement does not constitute a judicial finding.”

Certainty over the scale of the settlement will allow the bank to pay its first dividend in a decade this year.

The dividend is worth £240m and the Treasury will receive £149m as RBS is still 62%-owned by the government.

Ross McEwan, RBS chief executive, said: “This settlement dates back to the period between 2005 and 2007. There is no place for the sort of unacceptable behaviour alleged by the DoJ at the bank we are building today.”

He added that the bank could now “focus our energy on serving our customers better”.

But league tables published by the Competition and Markets Authority on Wednesday placed RBS joint bottom for customer service, with fewer than half of customers saying they would recommend the bank to a friend.

RBS will have to publish the results in branches, on its website and mobile app from today.

This article (RBS bankers joked about destroying the US housing market) was originally published on The Guardian and syndicated by The Event Chronicle.

Get Your Killer Flu Shot Via Drive-Thru

only GA would have drive thru flu shots, and they even charge you to inject you with a deadly chemical.

Wow, where do I sign up?