“Once you understand what Trump is about, you’ll be able to appreciate the extraordinary presidency he’s conducting, like no predecessor ever came close to match.”

From:
Jim

Monday, November 18, 2019 5:23 AM
To: Undisclosed Recipients
Size: 626.5 KB

GettyImages-883267414-640x480
(Getty Images – 883267414-640×480)

Trump’s “Art of the Deal” – Bluffs to Succeed in International Poker
(Apparently, most people didn’t read the article below in the previous email, and didn’t get the realities of what he’s done.)

Trump wants to stop getting the US into wars, and wants to pull out of Syria and Afghanistan, even NATO,
but the Deep State / Neocons won’t let him.

So Trump Bluffs high-intensity threats to get world opinion against the threats,
then the US can’t destroy the country like they did Libya, Iraq, Afghanistan, etc.

N.Korea: “Rocket Man” then threats to blow it off the map, World Opinion aghast and says no, then Trump makes friends with Kim Jong Un.
Venezuela: threats to invade, World Opinion aghast and says no, then US doesn’t invade because world opinion against it.
Syria: Trump says we are leaving, but Deep State/CIA/Rothschilds say NO, so he blatanly says “We’re going to keep the Oil” – international opinion will force us out!
Bolivia: CIA did a coup to steal the Lithium there, but Trump can’t control the CIA, so he just flows with it to not be assassinated.
Israel: Trump recognized Jerusalem as Capital, and recognized Syria’s Golan Heights as theirs, then Gaza => Arab Hate against Israel festers
As stated in the article below:
“The controversial President has a much clearer agenda than anyone can imagine
on both foreign policy and internal affairs,
but since he has to stay in power or even stay alive to achieve his objectives,
his strategy is so refined and subtle that next to no one can see it.
His overall objective is so ambitious that he has to follow random elliptic courses to get from point A to point B,
using patterns that throw people off on their comprehension of the man.”
[so the media labels him as crazy – like a fox!!!]

“Once you understand what Trump is about,
you’ll be able to appreciate the extraordinary presidency he’s conducting,
like no predecessor ever came close to match.”

“he’s the first and only American President to ever address humanity’s worst collective flaw, its total ignorance of reality. Because medias and education are both controlled by the handful of billionaires that are running the planet, we don’t know anything about our history that’s been twisted dry by the winners, and we don’t have a clue about our present world. As he stepped in the political arena, Donald popularized the expression «fake news» to convince the American citizens, and the world population as well, that medias always lie to you. The expression has now become commonplace, but do you realize how deeply shocking is the fact that nearly everything you think you know is totally fake?”

“Media lies don’t just cover history and politics, but they have shaped your false perception on topics like economy, food, climate, health, on everything. What if I told you that we know exactly who shot JFK from the grassy knoll, that the foreknowledge of Pearl Harbor was proven in court, that the CO2 greenhouse effect is scientifically absurd, that our money is created through loans by banks who don’t even have the funds, or that science proves with a 100% certainty that 911 was an inside job? Ever heard of a mainstream journalist, PBS documentary or university teacher telling you about any of this? 44 Presidents came and went without even raising one word about this huge problem, before the 45th came along. Trump knows that freeing the people out of this unfathomable ignorance is the first step to overall freedom, so he started calling mainstream journalists and their news outlets for what they are: pathological liars.”

“Let’s make one thing clear: to the establishment, Trump isn’t mentally challenged, but he’s definitely seen as a possible nemesis of their world. Ever since he moved in the White House, Trump has been depicted as a narcissist, a racist, a sexist and a climate-skeptic, loaded with shady past stories and mental issues. Even though an approximate 60% of the American people don’t trust medias anymore, many have bought the story that Trump might be slightly crazy or unfit to rule, and the statistic climbs even higher when you get out of the USA. Of course, Donald isn’t doing anything special to change the deeply negative perception that so many journalists and people alike have about him. He’s openly outrageous and provocative on Twitter, he sounds impulsive and dumb most of the time, acts irrationally, lies on a daily basis, and throws out sanctions and threats as if they were candy canes out of an elf’s side bag in a mall in December. Right away, we can destroy one persistent media myth: the image Trump is projecting is self-destructive and it’s the exact opposite of how pathological narcissists act, since they thrive to be loved and admired by everyone. Donald simply doesn’t care if you like him or not, which makes him the ultimate anti-narcissist, by its psychological definition. And that’s not even up for opinion, it’s a quite simple and undeniable fact.”

My input:
(By Jim)
Trump is a businessman that wants to make America Great Again, and he doesn’t care to work on PR about himself.
Trump has to pick his battles, and I hate that he has caved to the Pharmaceuticals about Vaccines,
and is allowing 5G to grow, and is allowing big Corporations to encroach on our health and freedom.
But, as I see it, he is doing more to make America Great Again than any previous President, even Reagan,
but he has to be selective, or he will go the way of JFK, or get shot like Reagan, or things will happen to his kids.
I look at what he IS DOING INTERNATIONALLY, and hope he can correct some other things later.

If you don’t believe me, look at what they did to Democrat Tulsi Gabbard after she said we need to stop the Wars.
Trump has to allow himself to be a puppet of the Deep State/Neocons in general, to avoid assassination,
but when he rouses international opposition in the direction he wants, he gets what he really wants = out of the wars.

——– Forwarded Original Message ——–
Subject: Trump plans to enlighten and free the US from Deep State
Date: Sat, 16 Nov 2019 19:58:58 -0800
From: Jim

Trump plans to enlighten and free the US from Deep State
(As I said, Trump didn’t fake the oil-plunder in Syria. He didn’t fake that it was to “make the world safe for Democracy”.
Instead, he said “we will keep the oil”, to make the world mad at our blatant theft of Syria’s oil.
Trump has tried to get us out of Syria, but the Neocons won’t let him, so he broadcasts the theft instead of covering it up.)

Trump’s “Art of the Deal” is to keep from getting Assassinated, yet inform the People of “Fake News” and try to stop Imperialism, etc.
https://www.zerohedge.com/political/everything-you-need-know-about-trump-were-afraid-admit-you-wondered

His general plan exhales from one of his favorite mottos: «We will give power back to the people», because the United States and its imperialist web woven over the world have been in the hands of a few globalist bankers, military industrials and multinationals for more than a century. To achieve his plan, he has to end wars abroad, bring back the kids, dismantle NATO and CIA, get control over the Federal Reserve, cut every link with foreign allies, abolish the Swift financial system, demolish the propaganda power of the medias, drain the swamp of the deep state that’s running the spying agencies and disable the shadow government that’s lurking in the Council on foreign relations and Trilateral Commission’s offices. In short, he has to destroy the New World Order and its globalist ideology. The task is huge and dangerous to say the least. Thankfully, he’s not alone.

The timing is right for everyone to understand what Donald Trump is doing, and try to decrypt the ambiguity of how he is is doing it. The controversial President has a much clearer agenda than anyone can imagine on both foreign policy and internal affairs, but since he has to stay in power or even stay alive to achieve his objectives, his strategy is so refined and subtle that next to no one can see it. His overall objective is so ambitious that he has to follow random elliptic courses to get from point A to point B, using patterns that throw people off on their comprehension of the man. That includes most independent journalists and so-called alternative analysts, as much as Western mainstream fake-news publishers and a large majority of the population.

To start off, let’s clear the one aspect of his mission that is straightforward and terribly direct: he’s the first and only American President to ever address humanity’s worst collective flaw, its total ignorance of reality. Because medias and education are both controlled by the handful of billionaires that are running the planet, we don’t know anything about our history that’s been twisted dry by the winners, and we don’t have a clue about our present world. As he stepped in the political arena, Donald popularized the expression «fake news» to convince the American citizens, and the world population as well, that medias always lie to you. The expression has now become commonplace, but do you realize how deeply shocking is the fact that nearly everything you think you know is totally fake?

Media lies don’t just cover history and politics, but they have shaped your false perception on topics like economy, food, climate, health, on everything. What if I told you that we know exactly who shot JFK from the grassy knoll, that the foreknowledge of Pearl Harbor was proven in court, that the CO2 greenhouse effect is scientifically absurd, that our money is created through loans by banks who don’t even have the funds, or that science proves with a 100% certainty that 911 was an inside job? Ever heard of a mainstream journalist, PBS documentary or university teacher telling you about any of this? 44 Presidents came and went without even raising one word about this huge problem, before the 45th came along. Trump knows that freeing the people out of this unfathomable ignorance is the first step to overall freedom, so he started calling mainstream journalists and their news outlets for what they are: pathological liars.

He’s openly outrageous and provocative on Twitter, he sounds impulsive and dumb most of the time, acts irrationally, lies on a daily basis, and throws out sanctions and threats as if they were candy canes out of an elf’s side bag in a mall in December. Right away, we can destroy one persistent media myth: the image Trump is projecting is self-destructive and it’s the exact opposite of how pathological narcissists act, since they thrive to be loved and admired by everyone. Donald simply doesn’t care if you like him or not, which makes him the ultimate anti-narcissist, by its psychological definition. And that’s not even up for opinion, it’s a quite simple and undeniable fact.
Mighty Russia

Since Peter the Great, the whole history of Russia is a permanent demonstration of its will to maintain its political and economical independence from international banks and imperialism, pushing this great nation to help many smaller countries fighting to keep their own independence. Twice Russia helped the United States against the British/Rothschild Empire; first by openly supporting them in the Independence War, and again in the Civil War, when Rothschild’s were funding the Confederates to politically break down the nation to bring it back in the British colonial Empire’s coop. Russia also destroyed Napoleon and the Nazis, whom were both funded by international banks as tools to crush economically independent nations. Independence is in their DNA. After almost a decade of Western oligarchy taking over Russia’s economy after the fall of USSR in 1991, Putin took power and drained the Russian swamp. Since then, each and every move that he has made aims to destroy the American Empire, or the entity that replaced the British Empire in 1944, which is the non-conspiracy theory name of the New World Order. The new empire is basically the same central banking scheme, with just a slightly different set of owners that switched the British army for NATO, as their world Gestapo.

Until Trump came along, Putin was single handedly fighting the New World Order who’s century-old obsession is the control of the world oil market, since oil is the blood running through the veins of the world economy. Oil is a thousand times more valuable than gold. Cargo ships, airplanes and armies don’t run on batteries. Therefore, to counter the globalists, Putin developed the best offensive and defensive missile systems, with the result that Russia can now protect every independent oil producer such as Syria, Venezuela and Iran. Central bankers and the US shadow government are still hanging on to their dying plan, because without a victory in Syria, there’s no enlarging Israel, thus ending the century-old fantasy of uniting the Middle East oil production in the hands of the New World Order. Ask Lord Balfour if you have any doubt. That’s the real stake of the Syrian war, it’s nothing short of do or die.
A century of lies

Now, because a shadow government is giving direct orders to the CIA and NATO in the name of banks and industries, Trump has no control over the military. The deep state is a rosary of permanent officials ruling Washington and the Pentagon, that only respond to their orders. If you still believe that the «Commander in chief» is in charge, explain why every time Trump ordered to pull out of Syria and Afghanistan, more troops came in? As I’m writing this text, US and NATO troops pulled out of the Kurdish zones, went to Iraq, and came back with heavier equipment around the oil reserves of Syria. Donald has a lot more of swamp draining to do before the Pentagon actually listens to anything he says. Trump should be outraged and denunciate out loud that the military command doesn’t bother about what he thinks, but this would ignite an unimaginable chaos, and perhaps even a civil war in the US, if the citizens who own roughly 393 million weapons in their homes were to learn that private interests are in charge of the military. It would also lead to a very simple but dramatic question: «What is exactly the purpose of democracy?» These weapons are the titanium fences guarding the population from a totalitarian Big Brother.

One has to realize how much trouble the US army and spying agencies have been going through in creating false-flag operations for more than a century, so that their interventions always looked righteous, in the name of democracy promotion, human rights and justice around the planet. They blew up the Maine ship in 1898 to enter the Hispanic-American war, then the Lusitania in 1915 to enter WW1. They pushed Japan to attack Pearl Harbor in 1941, knew about the attack 10 days in advance and said nothing to the Hawaiian base. They made up a North Vietnamese torpedo aggression on their ships in the Tonkin Bay to justify sending boots on the Vietnamese ground. They made up a story of Iraqi soldiers destroying nurseries to invade Kuwait in 1991. They invented mass destruction weapons to attack Iraq again in 2003, and organized 911 to shred the 1789 Constitution, attack Afghanistan and launch a War on terror. This totally fake mask of virtue has to be preserved for controlling the opinion of the American citizens and their domestic arsenal, who have to believe that they wear the white cowboy hats of democracy.

So how did Trump react when he learned that American troops were re-entering Syria? He repeated again and again in every interview and declaration that «we have secured the oil fields of Syria», and even added «I’m thinking about sending Exxon in the region to take care of the Syrian oil». Neocons, Zionists and banks were thrilled, but everyone else is outraged, because the vast majority doesn’t understand that Trump is swallowing this pill solely for its after-effects. On this single bottle is written in fine print that «the use of this drug might force American-NATO troops out of Syria under the pressure of the united world community and flabbergasted American population.» Trump made the situation unsustainable for NATO to stay in Syria, and how he’s been repeating this deeply shocking, politically incorrect position clearly shows his real intention. He destroyed over a century of fake virtue in a single sentence.
Trump is a historical anomaly

Trump is only the fourth president in US history to actually fight for the people, unlike all 41 others, who mainly channeled the people’s money in a pipeline of dollars that ends up in private banks. First there was Andrew Jackson who was shot after he destroyed the Second National Bank that he openly accused of being controlled by the Rothschild and The City in London. Then there was Abraham Lincoln, who was murdered after printing his «greenbacks», national money that the state issued to pay the soldiers because Lincoln had refused to borrow money from Rothschild at 24% interest. Then there was JFK, who was killed for a dozen reasons that mostly went against the banks and military industries profits, and now is Donald Trump, who shouted that he would «Give America back to the people».

Like most businessmen, Trump hates banks, for the formidable power that they have over the economy. Just take a peek at Henry Ford’s only book, «The International Jew» to find out how deep was his distrust and hatred of international banks. Trump’s businesses have suffered a lot because of these institutions that basically sell you an umbrella, only to take it back as soon as it rains. Private banking’s control over money creation and interest rates, through every Central Bank of almost every country is a permanent power over nations, far above the ephemeral cycle of politicians. By the year 2000, these nation looters were only a few steps away from their planetary totalitarian dream, but a couple of details stood still: Vladimir Putin and 393 million American weapons. Then came along orange-faced Donald, the last piece in the puzzle that we the people, needed to terminate 250 years of the banking empire.
Techniques and tactics

Early in his mandate, Trump naively tried the direct approach, by surrounding himself with establishment rebels like Michael Flynn and Steve Bannon, then by annoying each and everyone of his foreign allies, shredding their free-trade treaties, imposing taxes on imports and insulting them in their face in the G7 meetings of 2017 and 2018. The reaction was strong and everyone doubled-down on the Russiagate absurdity, as it looked like the only option to stop the man on his path of globalism destruction. Predictably, the direct approach went nowhere; Flynn and Bannon had to go, and Trump was entangled in a handful of inquiries that made him realize that he wouldn’t get anything accomplished with transparency. He had to find a way to annihilate the most dangerous people on the planet, but at the same time, stay in power and alive. He had to smarten up.

That’s when his genius exploded on the world. He completely changed his strategy and approach, and started taking absurd decisions and tweeting outrageous declarations. As threatening and dangerous as some of these first looked, Trump didn’t use them for their first degree meaning, but was aiming at the genuine second degree effects that his moves would have. And he didn’t care about what people thought of him as he did, for only results count in the end. He would even play buffoon over Twitter, look naive, lunatic or downright idiotic, perhaps in the hope to impregnate the belief that he didn’t know what he’s doing, and that he couldn’t be that dangerous. He’s willfully being politically incorrect to show the ugly face that the United States are hiding behind their mask.

The first test on his new approach was to try to stop the growing danger of an attack and invasion of North Korea by NATO. Trump insulted Kim Jung-Un through Twitter, called him Rocket Man, and threatened to nuke North Korea to the ground. His raging political incorrectness went on for weeks until it sank in everyone’s minds that those were not good reasons to attack a country. He paralyzed NATO. Trump then met Rocket Man, and they walked in the park with the start of a beautiful friendship, laughing together, while accomplishing absolutely nothing in their negotiations, since they have nothing to negotiate about. Many were talking about the Nobel price for peace, because many don’t know that it’s usually handed to whitewash war criminals like Obama or Kissinger.

Then came Venezuela. Trump pushed his tactic a step further, to make sure that no one could support an attack on the free country. He put the worst neo-cons available on the case: Elliott Abrams, formerly convicted of conspiracy in the Iran-Contras deal in the ’80s and John Bolton, famous first-degree warmonger. Trump then confirmed Juan Guaido as his choice for president of Venezuela; an empty puppet so dumb that he can’t even see how much he’s being used. Again, Trump threatened to burn the country to rubbles, while the world community watched in awe the total lack of subtlety and diplomacy in Trump’s behavior, with the result that Brazil and Colombia backed away and said they wanted nothing to do with an attack on Venezuela. Trump’s medicine left only 40 satellite countries worldwide, with Presidents and Prime Ministers brain dead enough to shyly support Guaido the Jester. Donald checked the box beside Venezuela on his list and kept scrolling down.

Then came the two gifts to Israel: Jerusalem as a capital, and the Syrian Golan Heights as its confirmed possession. Netanyahu whom isn’t the sharpest pencil in the box jumped of joy, and everyone yelled that Trump was a Zionist. The real after-effect result was that the whole of the Middle East united against Israel, which no one can support anymore. Even their historical accomplice Saudi Arabia had to openly disapprove this huge slap in the face of Islam. The two Trump gifts were in fact back stabs in the Israel state, whose future doesn’t look too bright nowadays, since NATO will have to move out of the region. Check again.
As reality sinks in

But there’s more! With his lack of control over NATO and the army, Trump is very limited in his actions. At first glance, the outstanding multiplication of economical sanctions on countries like Russia, Turkey, China, Iran, Venezuela and other nations look tough and merciless, but the reality of these sanctions pushed those countries out of the Swift financial system designed to keep enslaving nations through the dollar hegemony, and they’re all slipping away from the international banks’ grip. It forced Russia, China and India to create an alternative system of trade payments based on national currencies, instead of the almighty dollar. The bipolar reality of the world is now official, and with his upcoming next sanctions, Trump will push more countries out of the Swift system to join the other side, while important banks are starting to fall in Europe.

Even in the political hurricane Trump is in, he still finds time to display his almost childish arrogant humor. Look at his grandiose mockery of Hillary Clinton and Barrack Obama, as he sat down with the most straight-faced generals he could find, to take a picture in a so-called «situation room» as they faked the monitoring of the death of Baghdadi somewhere he couldn’t be, exactly like his criminal predecessors did a long time ago with the fake Bin Laden killing. He even pushed the farce to adding the details of a dog recognizing Daesch’s fake caliph by sniffing his underwear. Now that you understand what Trump is really about, you will also be able to appreciate the show, in all of its splendor and true meaning.

«We have secured the oil fields of Syria». Indeed, with this short sentence, Trump joined his voice to that of General Smedley Butler who rocked the world 80 years ago with a tiny book called «War is a racket». Looting and stealing oil is definitely not as virtuous as promoting democracy and justice. What amazes me is those numerous «alternative» journalists and analysts, who know on the tip of their fingers every technical problem about 911, or scientific reality on the absurd global warming story, but still don’t have a clue about what Trump is doing, 3 years in his mandate, because they bought the mainstream media that convinced everyone that Trump is mentally challenged.

or those who still entertain doubts about Trump’s agenda, do you really believe that the obvious implosion of American Imperialism over the planet is a coincidence? Do you still believe that its because of the Russian influence on the 2016 election that the CIA, the FBI, every media, the American Congress, the Federal Reserve, the Democratic party and the warmongering half of the Republicans are working against him and are even trying to impeach him? Like most stuff that comes out of medias, reality is the exact opposite of what you’re being told: Trump might be the most dedicated man to ever set foot in the Oval office. And certainly the most ambitious and politically incorrect.
Conclusion

The world will change drastically between 2020 and 2024. Trump’s second and last mandate coincides with Putin’s last mandate as President of Russia. There may never be another coincidence like this for a long time, and both know that it’s now or perhaps never. Together, they have to end NATO, Swift, and the European Union should crumble. Terrorism and anthropogenic global warming will jump in the vortex and disappear with their creators. Trump will have to drain the swamp in the CIA and Pentagon, and he has to nationalize the Federal Reserve. Along with Xi and Modi, they could put a final end to private banking in public affairs, by refusing to pay a single penny of their debts, and reset the world economy by shifting to national currencies produced by governments, as private banks will fall like dominos, with no more Obama-like servant to bail them out at your expense. Once this is done, unbearable peace and prosperity could roam the planet, as our taxes pay for the development of our countries instead of buying useless military gear and paying interests on loans by bankers who didn’t even have the money in the first place.

If you still don’t understand Donald Trump after reading the above, you’re hopeless. Or you’re might be Trudeau, Macron, Guaido, or any other useful idiot, unaware that the carpet under your feet has already slipped away.

——————————————————————

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

Banned-300x248

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
Avatar
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.

Avatar
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

Avatar
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.

Avatar
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.

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

Avatar
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

Avatar
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.

Avatar
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.

Is this depopulation bioweapon experiment?

Woman-Doctor-Sick-Whooping-Cough
“Mystery virus” spreading like wildfire across U.S. population, putting people in bed for a MONTH… is this a depopulation bioweapon experiment?

01/11/2019 / By Isabelle Z.

A cough can be rather annoying, especially when it keeps you up at night, but you can usually take comfort from knowing that it tends to run its course rather quickly and you’ll be back to normal in no time. Unfortunately, a new virus is going around that is turning what is normally a week-long nuisance into a month-long nightmare – and speculation abounds regarding its origin.

Physicians around the nation are reporting a spike in cases of people suffering from a very unusual cough. It’s caused by a virus and it’s lasting anywhere from four to six weeks – and in some cases, even longer.

One doctor, Texas Health Dallas’s Dr. Gary Gross, says he has been seeing at least a patient a day suffering from the virus, and he lamented the fact that it lasts so long without seeming to get better.

Dr. Gross told CBS DFW that the virus has no quick fix. Patients have no choice but to let it run its course, although some medications can help soothe the cough somewhat. Patients are advised to get plenty of sleep as well as lots of fluids.

Emergency medicine specialists in Cincinnati have warned the public about the virus, which they say has caused a surge in patients presenting with upper respiratory symptoms such as a cough, congestion, and shortness of breath.

Bethesda North Hospital’s Dr. Kenneth Patton describes the difficulties patients with the virus experience in breathing, saying: “They are retracting, their ribs are doing a lot of work. You can see their neck muscles, you can really see that they are having a hard time breathing.”

Patients’ biggest complaint, however, is the duration, with many people stuck in bed for weeks. Avoiding the virus is a matter of washing your hands frequently and keeping your distance from people who are sick. Once you get it, however, you’ll simply have to wait it out.
What is the source of this virus?

bill_collage

Naturally, any time a new virus like this emerges seemingly out of nowhere, it’s hard not to wonder if it could be part of a depopulation bioweapon experiment.

Plant Pathology Professor Dr. Cyril Broderick has stated his belief that the Ebola virus was manufactured and then released intentionally in Africa as a weaponized virus. Other experts agreed with his theory. Meanwhile, in the wake of the Zika outbreak, governments in Latin America urged women to avoid pregnancy because of the potential for birth defects.

The idea that depopulation efforts are underway is bolstered by the ongoing push toward reducing human populations in the name of somehow saving the planet from “global warming” and the testing of vaccines and experimental drugs in African nations. Influential names like Bill Gates have openly declared that reducing the human population could help “save” the planet, and The New York Times recently printed an editorial arguing that the end of humanity would actually be a good thing for the planet.

There’s also the fact that pharmaceutical companies have a lot to gain in the wake of such outbreaks by developing new vaccines and drugs. In fact, a team of researchers at California’s Scripps Research Institute have engineered a deadly new bird flu strain that can infect humans on the pretense of learning what such a virus could do in order to prepare for it. The mutations they’ve created allow the virus to make its way into human lung cells. What could possibly go wrong?

When you pay attention to everything that is going on in the world today, it’s not a stretch to question whether depopulation efforts are behind viruses that emerge mysteriously and suddenly affect a significant number of people.

Sources for this article include:

DFW.CBSLocal.com

KUTV.com

NaturalNews.com

Dekalb PD seek help in locating suspect in the alleged murder of his mother

One of my people was represented by this guy, and he stole $45,000.00 of her settlement. She and some other victims testified in Court a couple weeks ago. He was sentenced to 30 years, with 15 to serve. He was supposed to turn himself in 02/01/2019. He did not show up.

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02/02/2019 Sharon Swanepoel Top News
http://news.monroelocal.org/dekalb-pd-seek-help-in-locating-suspect-in-the-alleged-murder-of-his-mother/

Tucker, Ga. – Dekalb County Police Department is asking for the public’s help in locating a suspect in the alleged murder of his mother. According to DCPD, at 9:30 a.m. this morning, Feb. 2, 2019, police responded to a home on Planters Row in Stone Mountain in reference to a dead person call. The victim, Shirley Merritt, was found stabbed to death inside her residence. Police believe this is an isolated domestic-related incident.
Richard Merritt, 44. Photo courtesy of Dekalb County Police Department

The victim’s son, Richard Merritt, 44, has been identified as the suspect. He is described as a white male, 5’10”, 175 lbs, brown eyes and brown hair. There is an active murder warrant for his arrest. He is possibly in possession of the victim’s 2009 Lexus RX350, Brown Color, GA Tag CBV6004.

DeKalb Police are asking anyone with information on the whereabouts of Richard Merritt to please contact the DeKalb County Police Department at 770-724-7850 or Crime Stoppers at 404-577-TIPS(8477).
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Iowa Supreme Court Rules Civil Forfeiture Laws Violate Fifth Amendment, Upholds Pleading The Fifth

May 30, 2018 @ 02:02 PM 23,367
2 Free Issues of Forbes
Iowa Supreme Court Rules Civil Forfeiture Laws Violate Fifth Amendment, Upholds Pleading The Fifth
https://www.forbes.com/sites/instituteforjustice/2018/05/30/iowa-supreme-court-rules-civil-forfeiture-laws-violate-fifth-amendment-upholds-pleading-the-fifth/#3d1978161655

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Nick Sibilla Nick Sibilla , Contributor

The Iowa Supreme Court struck a blow on Friday against the state’s civil forfeiture laws, which allow the government to permanently confiscate property without ever filing criminal charges. In a unanimous, 33-page ruling, the court strengthened the constitutional protection against self-incrimination for owners fighting civil forfeiture, revived a motion to suppress evidence, and rejected a tactic commonly used by prosecutors to prevent owners from being awarded thousands of dollars in attorney’s fees.

Iowa has been a surprising hot spot for civil forfeiture, ensnaring motorists, professional poker players, and an entrepreneur who ran a Mexican restaurant for almost four decades. The state even rewards the aggressive pursuit of forfeiture cases: Police and prosecutors can keep up to 100 percent of the proceeds from forfeited property. Little wonder then that forfeiture has become quite profitable for law enforcement. An investigation by the Des Moines Register revealed that Iowa law enforcement agencies had taken over $55 million in cash and more than 4,200 vehicles since 1985.

Spurred by these abuses, last year, Iowa legislators strengthened due process protections for innocent owners, and required a criminal conviction to forfeit property valued at under $5,000. Although Iowa’s conviction threshold is the lowest of the 15 states with a conviction requirement, in 2015, data analysis by the Institute for Justice found that only 14 percent of Iowa’s cash forfeitures topped $5,000. Friday’s ruling should further curtail civil forfeiture.

The case began when Jean Carlos Herrera was driving from New York City to Los Angeles in September 2015. While Herrera was passing through Pottawattamie County, Iowa on Interstate 80, he was pulled over by Sergeant Kevin Killpack for going four miles over the speed limit. During the stop, a drug dog alerted to the car. Without Herrera’s consent, Killpack searched the Expedition, but only found some tools, a cell phone, a hollowed-out ice cream machine, and a Pelican case that “contained drug paraphernalia and remnants of marijuana.” No other drugs were found.

Killpack cited Herrera for speeding but never charged him with a crime. Yet that didn’t stop the sergeant from seizing the car, a 1999 Ford Expedition registered to Herrera’s friend, Fernando Rodriguez, and all the equipment inside.

Less than a week after the Expedition was seized, Rodriguez hired an attorney, who promptly emailed Pottawattamie County that Rodriguez was fighting back as an “innocent owner.” Rodriguez’s attorney also noted that under Iowa law, the government must pay attorney’s fees to property owners who win their civil forfeiture cases. He also noted that “the fees are going to be greater than the vehicle value, so this might be one to let go.”

Soon after, Sergeant Killpack applied for a warrant to search possible hidden compartments within the vehicle, based on the fact that Rodriguez had hired an attorney. According to Killpack, “it does not make financial sense to spend a significant amount of money, in attorney fees, in an attempt to reclaim a vehicle worth $2,132,” which in his mind meant that “there is something much more valuable still inside the vehicle that has not been found by law enforcement in the initial search.”

A district court granted the warrant, though, as the Iowa Supreme Court noted on Friday, Killpack’s warrant application “failed to mention that Rodriguez had argued he was entitled to attorney fees from the State as an innocent owner.” On his second search, Killpack found and seized almost $45,000 in cash hidden inside a false compartment.

In October, prosecutors filed a complaint to forfeit the cash, the car, and the rest of the property taken during the traffic stop, claiming that the property was “drug proceeds” or “used in the transport of drugs.”

The two men (who were now represented by the same lawyer) filed an answer together that stated they had an interest in the seized properties and demanded their return. Herrera also invoked the Fifth Amendment and refused to completely comply with the state’s disclosure requirements.

Under state law, property owners who want to reclaim their seized property must fully disclose “the nature and extent” of their interest in the property, as well as “the date, the identity of the transferor, the circumstances of the claimant’s acquisition.” Refusing to comply can result in the property forfeited to the state. Yet those forced disclosures may reveal information that could incriminate the owner or trigger a perjury trap, which would violate the Fifth Amendment.

Writing for the majority, Justice Thomas Waterman noted that Iowa’s forfeiture laws burden owners with a “difficult choice between asserting [their] privilege against self-incrimination or foregoing [their] claim for return of the contested property.”

As Waterman recounted, Herrera omitting that information was “fatal to his claim:” The district court ruled that Herrera’s reply was not a proper answer and so he was not entitled to a forfeiture hearing.

But on appeal, the Iowa Supreme Court overturned that ruling, and held that “assertion of the Fifth Amendment privilege against self-incrimination excuses compliance” from Iowa’s disclosure requirements for civil forfeiture claims. “The court may not enforce the specific disclosure requirements…over the claimant’s Fifth Amendment objection,” Waterman ruled.

Friday’s ruling also revived Herrera’s motion to suppress evidence, which the district court had dismissed as well. Both the Iowa Supreme Court and U.S. Supreme Court have ruled that the “exclusionary rule,” which prohibits the government from using evidence that was not lawfully obtained, applies to criminal prosecutions and civil forfeiture proceedings.

In this case, Herrera claimed that the stop, search, and seizure of the car violated the Fourth Amendment and should be suppressed accordingly. Justice Waterman ruled that “the district court must first rule on motions to suppress evidence before resolving forfeiture claims,” since that ruling “determines what evidence the state can rely on during the forfeiture proceeding.”

The court’s ruling should strengthen safeguards for property owners facing civil forfeiture. According to Dean Stowers, who represented Herrera and Rodriguez, “this decision will require the state to establish the legality of the seizure” before the state can attempt “to forfeit property or to compel persons to answer questions about their property.”

A representative from the Iowa Attorney General’s Office said they were “still looking at the possible impact of the ruling” and declined to comment further.

“It appears that we followed the forfeiture rules as they existed at the time, and we argued that the claimants did not follow the rules,” said Pottawattamie County Attorney Matt Wilber. ”The District Court and Court of Appeals agreed with our position. The Iowa Supreme Court has now ordered that they are changing the rules, so we’ll all follow the new rules.”

As for Rodriguez, five months after the state filed its forfeiture complaint, prosecutors decided Rodriguez could get back his Ford Expedition. His attorney then filed to recover nearly $9,000 in attorney’s fees and expenses, which, under Iowa law, are owed to prevailing parties. But because the state dropped its forfeiture case just before a court hearing, the district court ruled that Rodriguez didn’t actually prevail because he didn’t technically win on the merits in court.

Justice Waterman rejected this argument wholesale:

“Rodriguez sought to prevent the State from taking permanent possession of his vehicle. He fulfilled his primary objective of getting his vehicle back after months of contested litigation against the State. On this record, we hold that Rodriguez is a prevailing party even though the district court did not expressly find that he was an ‘innocent owner.’”

Moreover, Waterman noted that fee awards “help level the playing field for persons contesting government seizures,” as they “incentivize attorneys to represent citizens seeking return of their property from the government.”

The Iowa Supreme Court’s ruling contrasts starkly with the U.S. Eighth Circuit Court of Appeals, which covers Iowa. In 2016, the Eighth Circuit considered the case of Carole Hinders, who ran Mrs. Lady’s, a cash-only Mexican restaurant in Arnolds Park, Iowa. Based simply on the way she deposited her cash, in spring 2013, the IRS raided Carole’s entire business checking account—almost $33,000. The IRS accused Carole of “structuring” her deposits, or deliberately keeping her deposits under $10,000 to circumvent a reporting requirement. She was never indicted.

Institute for Justice

Carole Hinders.

With help from the Institute for Justice, Carole fought back. In October 2014, The New York Times ran a front-page story on her case. That prompted the IRS to announce it would “no longer pursue the seizure and forfeiture of funds associated solely with ‘legal source’ structuring cases.” Less than two months after the Times article was published, federal prosecutors dropped the case against Carole’s cash.

Under the federal Civil Asset Forfeiture Reform Act, property owners who “substantially prevail” in their civil forfeiture cases are entitled to interest as well as attorney’s fees and costs. Considering that she recovered her cash and even sparked a policy shift at the IRS, Carole believed she had “substantially prevailed.” Unfortunately, in 2016, the Eighth Circuit ruled that she did not, and instead held that “a voluntary change on the part of a defendant, even if it resulted in the outcome sought by the plaintiff, ‘lack[ed] the necessary judicial imprimatur’ to authorize a fee award.” With this ruling, the Eighth Circuit upheld a loophole for the government to skip out on paying hefty attorney’s fees to innocent property owners.

But with the Iowa Supreme Court’s decision, owners fighting forfeiture in state court now have an easier time to be made whole than if their exact same case were in federal court. One Des Moines-based forfeiture attorney told the Des Moines Register that the new decision should deter the government from seizing property, since prosecutors “risk not only the return of the property but a significant attorney fee as well.”

“The Iowa Supreme Court’s ruling is another potent reminder that the best way to prevent abusive seizures is to end civil forfeiture once and for all,” said Institute for Justice Senior Legislative Counsel Lee McGrath. “Iowa legislators should follow the lead of counterparts in North Carolina, New Mexico and Nebraska and replace it with criminal forfeiture.”

This post has been updated to include comment from the Pottawattamie County Attorney.

Israel Solved the School Shooter Problem, US Should Follow


Chuck Morse
https://www.newsmax.com/chuckmorse/israel-maalot-school-shooter/2018/02/27/id/845719/?utm_medium=referral&utm_source=idealmedia&utm_campaign=newsmax.com&utm_term=68856&utm_content=2196187
By Chuck Morse
Tuesday, 27 Feb 2018 12:34 PM

On May 15, 1974, three shooters entered the Netiv Meir Elementary School in the Jewish-Arab town of Ma’alot in northern Israel taking 115 people including 105 children hostage. At the time, Israel was on a leftist utopian bender with social experiments that included disarmament and gun free zones. On the second day of the standoff, the Israeli army stormed the building as the shooters murdered children with grenades and automatic weapons. 25 hostages were killed including 22 children, 68 were injured.

Israel responded to the atrocity by mandating armed security in every school. Retired military veterans and police, often grandfathers and grandmothers, began to monitor schools. Teachers and school staff began to volunteer for gun training and began to carry concealed weapons after registering with their school administration. Teachers started to participate in active shooter drills. There have been only two school shootings in Israel since that slaughter and in both cases the shooter was killed and stopped from killing more innocents.

In September 2015, Israel responded to a plethora of knife attacks by making it easier for citizens to obtain guns. Army officers with the rank of Lieutenant and above would be permitted to purchase guns freely and security guards would be allowed to take their guns home after work. The minimum age for gun purchases was dropped from 21 to 18. Jerusalem mayor Nir Barkat urged residents to carry a gun and was photographed carrying a Glock 23. Israelis overwhelmingly view the right to bear arms as the best means of deterring gun violence.

The mainstream media is lying about President Trump’s call for arming teachers in one of the ugliest and most dangerous pieces of fake news yet.

The president has not called for arming all teachers, only making it possible for the approximately 10 percent of teachers who are former military or security personnel, who are already licensed and trained, or who would like to obtain a license and training to be permitted to carry a concealed weapon if they choose to do so. In fact, 17 states already allow teachers who register with their school boards and who are cleared to carry concealed weapons. I’m proud to note that my own state of Massachusetts is one of those states. Apparently, Florida is not on the list.

The use by the left of impressionable young children who have been traumatized by school shootings to push their gun grabbing agenda is a particularly odious and despicable manipulation of emotions. If these leftists possessed a shred of decency or genuine concern for the safety of school children they might inquire as to whether the child feels safe going to school in a gun free zone where no one is properly equipped to stop a shooter. They might consider no longer stigmatizing and mocking gun training or the teaching of self-defense.

The social phenomena that constitutes school shootings and its uptick since Columbine, the social and psychological factors that led to this uptick, is a broad and profound subject that urgently calls out for a national discussion and a scientific inquiry free of ideology and invective from all sides. The question of gun regulation, particularly of semi-automatic weapons, is also an important topic that needs to be addressed without histrionics and posturing.

Meanwhile, and in these times of clear and present danger to our school children, common sense steps such as securing our school buildings and allowing trained and willing teachers and administrators to defend the students with concealed weapons is urgently needed.

Chuck Morse hosts “The Morse Force” live Monday-Friday at Noon, ET on YouTube. The program is also available on iTunes, Stitcher, and Google Play and his books are available on Amazon.com. For more of his reports — Click Here Now.

We have new details on Goldman Sachs’ $5 billion legal settlement

We have new details on Goldman Sachs’ $5 billion legal settlement

Evan Vucci/APGoldman Sachs CEO Lloyd Blankfein.

Jamie Dimon Lloyd Blankfein

Wells Fargo just agreed to pay $1.2 billion to settle ‘shoddy’ mortgage practices

We now know more about the $5 billion settlement Goldman Sachs has agreed to pay related to residential mortgage-backed securities it sold between 2005 and 2007.

Regulators announced details of the settlement on Monday.

Goldman initially announced the settlement in January. That nearly wiped out fourth-quarter earnings for the firm.

“Today’s settlement is yet another acknowledgment by one of our leading financial institutions that it did not live up to the representations it made to investors about the products it was selling,” said one regulator, US Attorney Benjamin B. Wagner of the Eastern District of California, in a statement.

“We are pleased to put these legacy matters behind us,” Goldman Sachs said in a statement. “Since the financial crisis, we have taken significant steps to strengthen our culture, reinforce our commitment to our clients, and ensure our governance processes are robust.”

Morgan Stanley announced a similar settlement in February. It agreed to pay $3.2 billion over charges that it misled investors on the quality of mortgage loans it sold.

And on Friday, the US Justice Department announced that Wells Fargo had agreed to pay $1.2 billion to settle “shoddy” mortgage-lending practices.

Here’s what we learned about the Goldman settlement on Monday:

  • $2.385 billion in a civil-monetary penalty
  • $875 million to settle claims by various federal and state entities, including:
    • $575 million to settle claims by the National Credit Union Administration
    • $37.5 million to settle claims by the Federal Home Loan Bank of Des Moines as successor to the Federal Home Loan Bank of Seattle
    • $37.5 million to settle claims by the Federal Home Loan Bank of Chicago
    • $190 million to settle claims by the state of New York
    • $25 million to settle claims by the state of Illinois
    • $10 million to settle claims by the state of California
  • $1.8 billion in the form of relief to aid consumers who were allegedly harmed

Here’s a press release from the Department of Justice:

WASHINGTON — The Justice Department, along with federal and state partners, announced today a $5.06 billion settlement with Goldman Sachs related to Goldman’s conduct in the packaging, securitization, marketing, sale and issuance of residential mortgage-backed securities (RMBS) between 2005 and 2007. The resolution announced today requires Goldman to pay $2.385 billion in a civil penalty under the Financial Institutions Reform, Recovery and Enforcement Act (FIRREA) and also requires the bank to provide $1.8 billion in other relief, including relief to underwater homeowners, distressed borrowers and affected communities, in the form of loan forgiveness and financing for affordable housing. Goldman will also pay $875 million to resolve claims by other federal entities and state claims. Investors, including federally-insured financial institutions, suffered billions of dollars in losses from investing in RMBS issued and underwritten by Goldman between 2005 and 2007.

“This resolution holds Goldman Sachs accountable for its serious misconduct in falsely assuring investors that securities it sold were backed by sound mortgages, when it knew that they were full of mortgages that were likely to fail,” said Acting Associate Attorney General Stuart F. Delery. “This $5 billion settlement includes a $1.8 billion commitment to help repair the damage to homeowners and communities that Goldman acknowledges resulted from its conduct, and it makes clear that no institution may inflict this type of harm on investors and the American public without serious consequences.”

“Today’s settlement is another example of the department’s resolve to hold accountable those whose illegal conduct resulted in the financial crisis of 2008,” said Principal Deputy Assistant Attorney General Benjamin C. Mizer, head of the Justice Department’s Civil Division. “Viewed in conjunction with the previous multibillion-dollar recoveries that the department has obtained for similar conduct, this settlement demonstrates the pervasiveness of the banking industry’s fraudulent practices in selling RMBS, and the power of the Financial Institutions Reform, Recovery and Enforcement Act as a tool for combatting this type of wrongdoing.”

“Today’s settlement is yet another acknowledgment by one of our leading financial institutions that it did not live up to the representations it made to investors about the products it was selling,” said U.S. Attorney Benjamin B. Wagner of the Eastern District of California. “Goldman’s conduct in exploiting the RMBS market contributed to an international financial crisis that people across the country, including many in the Eastern District of California, continue to struggle to recover from. I am gratified that this office has developed investigations, first against JPMorgan Chase and now against Goldman Sachs, that have led to significant civil settlements that hold bad actors in this market accountable. The results obtained by this office and other members of the RMBS Working Group continue to send a message to Wall Street that we remain committed to pursuing those responsible for the financial crisis.”

The $2.385 billion civil monetary penalty resolves claims under FIRREA, which authorizes the federal government to impose civil penalties against financial institutions that violate various predicate offenses, including wire and mail fraud. The settlement expressly preserves the government’s ability to bring criminal charges against Goldman, and does not release any individuals from potential criminal or civil liability. In addition, as part of the settlement, Goldman agreed to fully cooperate with any ongoing investigations related to the conduct covered by the agreement.

Of the $875 million Goldman has agreed to pay to settle claims by various other federal and state entities: Goldman will pay $575 million to settle claims by the National Credit Union Administration, $37.5 million to settle claims by the Federal Home Loan Bank of Des Moines as successor to the Federal Home Loan Bank of Seattle, $37.5 million to settle claims by the Federal Home Loan Bank of Chicago, $190 million to settle claims by the state of New York, $25 million to settle claims by the state of Illinois and $10 million to settle claims by the state of California.

Goldman will pay out the remaining $1.8 billion in the form of relief to aid consumers harmed by its unlawful conduct. $1.52 billion of that relief will be paid out pursuant to an agreement with the United States that Goldman will provide loan modifications, including loan forgiveness and forbearance, to distressed and underwater homeowners throughout the country, as well as financing for affordable rental and for-sale housing throughout the country. This agreement represents the largest commitment in any RMBS agreement to provide financing for affordable housing—a crucial need following the turmoil of the financial crisis. $280 million will be paid out by Goldman pursuant to an agreement separately negotiated with the state of New York.

The settlement includes a statement of facts to which Goldman has agreed. That statement of facts describes how Goldman made false and misleading representations to prospective investors about the characteristics of the loans it securitized and the ways in which Goldman would protect investors in its RMBS from harm (the quotes in the following paragraphs are from that agreed-upon statement of facts, unless otherwise noted):

  • Goldman told investors in offering documents that “[l]oans in the securitized pools were originated generally in accordance with the loan originator’s underwriting guidelines,” other than possible situations where “when the originator identified ‘compensating factors’ at the time of origination.” But Goldman has today acknowledged that, “Goldman received information indicating that, for certain loan pools, significant percentages of the loans reviewed did not conform to the representations made to investors about the pools of loans to be securitized.”
  • Specifically, Goldman has now acknowledged that, even when the results of its due diligence on samples of loans from those pools “indicated that the unsampled portions of the pools likely contained additional loans with credit exceptions, Goldman typically did not . . . identify and eliminate any additional loans with credit exceptions.” Goldman has acknowledged that it “failed to do this even when the samples included significant numbers of loans with credit exceptions.”
  • Goldman’s Mortgage Capital Committee, which included senior mortgage department personnel and employees from Goldman’s credit and legal departments, was required to approve every RMBS issued by Goldman. Goldman has now acknowledged that “[t]he Mortgage Capital Committee typically received . . . summaries of Goldman’s due diligence results for certain of the loan pools backing the securitization,” but that “[d]espite the high numbers of loans that Goldman had dropped from the loan pools, the Mortgage Capital Committee approved every RMBS that was presented to it between December 2005 and 2007.” As one example, in early 2007, Goldman approved and issued a subprime RMBS backed by loans originated by New Century Mortgage Corporation, after Goldman’s due diligence process found that one of the loan pools to be securitized included loans originated with “[e]xtremely aggressive underwriting,” and where Goldman dropped 25 percent of the loans from the due diligence sample on that pool without reviewing the unsampled 70 percent of the pool to determine whether those loans had similar problems.
  • Goldman has acknowledged that, for one August 2006 RMBS, the due diligence results for some of the loan pools resulted in an “unusually high” percentage of loans with credit and compliance defects. The Mortgage Capital Committee was presented with a summary of these results and asked “How do we know that we caught everything?” One transaction manager responded “we don’t.” Another transaction manager responded, “Depends on what you mean by everything? Because of the limited sampling . . . we don’t catch everything . . .” Goldman has now acknowledged that the Mortgage Capital Committee approved this RMBS for securitization without requiring any further due diligence.
  • Goldman made detailed representations to investors about its “counterparty qualification process” for vetting loan originators, and told investors and one rating agency that Goldman would engage in ongoing monitoring of loan sellers. Goldman has now acknowledged, however, that it “received certain negative information regarding the originators’ business practices” and that much of this information was not disclosed to investors.
  • For example, Goldman has now acknowledged that in late 2006 it conducted an internal analysis of the underwriting guidelines of Fremont Investment & Loan (an originator), which found many of Fremont’s guidelines to be “off market” or “at the aggressive end of market standards.” Instead of disclosing its view of Fremont’s underwriting, Goldman has acknowledged that it “[u]ndertook a significant marketing effort” to tell investors about what Goldman called Fremont’s “commitment to loan quality over volume” and “significant enhancements to Fremont underwriting guidelines.”  Fremont was shut down by federal regulators within several months of these statements.
  • In another example, Goldman was aware in early-mid 2006 of certain issues with Countrywide Financial Corporation’s origination process, including a pattern of non-responsiveness and inability to provide sufficient staff to handle the numerous loan pools Countrywide was selling. In April 2006, while Goldman was preparing an RMBS backed by Countrywide loans for securitization, a Goldman mortgage department manager circulated a “very bullish” equity research report that recommended the purchase of Countrywide stock. Goldman’s head of due diligence, who had just overseen the due diligence on six Countrywide pools, responded “If they only knew . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .”
  • Meanwhile, as Goldman has acknowledged in this statement of facts, “[Around the end of 2006], Goldman employees observed signs of uncertainty in the residential mortgage market [and] by March 2007, Goldman had largely halted new purchases of subprime loan pools.”

Assistant U.S. Attorneys Colleen Kennedy and Kelli Taylor of the Eastern District of California investigated Goldman’s conduct in connection with RMBS, with the support of the Federal Housing Finance Agency’s Office of the Inspector General (FHFA-OIG) and the Office of the Special Inspector General for the Troubled Asset Relief Program (SIGTARP).

“Goldman Sachs had a fiduciary responsibility to investors, which they blatantly side stepped,” said Deputy Inspector General for Investigation Rene Febles of FHFA-OIG. “They knowingly put investors at risk and in so doing contributed significantly to the financial crisis. The losses caused by this irresponsible behavior deeply affected not only financial institutions but also taxpayers and one can only hope that Goldman Sachs has learned the difference between risk and deceit. Two Federal Home Loan Banks suffered significant losses so we are pleased to see both entities receive a portion of this settlement. We will continue to work with our law enforcement partners to hold those accountable who have engaged in misconduct.”

“Goldman took $10 billion in TARP bailout funds knowing that it had fraudulently misrepresented to investors the quality of residential mortgages bundled into mortgage backed securities,” said Special Inspector General Christy Goldsmith Romero for TARP. “Many of these toxic securities were traded in a taxpayer funded bailout program that was designed to unlock frozen credit markets during the crisis. While crisis investigations take time, SIGTARP is committed to working with our law enforcement partners to protect taxpayers and bring accountability and justice.”

The settlement is part of the ongoing efforts of President Obama’s Financial Fraud Enforcement Task Force’s RMBS Working Group, which has recovered tens of billions of dollars on behalf of American consumers and investors for claims against large financial institutions arising from misconduct related to the financial crisis. The RMBS Working Group brings together attorneys, investigators, analysts and staff from multiple state and federal agencies, including the Department of Justice, U.S. Attorneys’ Offices, the FBI, the U.S. Securities and Exchange Commission (SEC), the Department of Housing and Urban Development (HUD), HUD’s Office of Inspector General, the FHFA-OIG, SIGTARP, the Federal Reserve Board’s OIG, the Recovery Accountability and Transparency Board, the Financial Crimes Enforcement Network and multiple state Attorneys General offices around the country. The RMBS Working Group is led by Director Joshua Wilkenfeld and five co-chairs: Principal Deputy Assistant Attorney General Mizer, Assistant Attorney General Leslie R. Caldwell of the Justice Department’s Criminal Division, Director Andrew Ceresney of the SEC’s Division of Enforcement, U.S. Attorney John Walsh of the District of Colorado and New York Attorney General Eric Schneiderman. This settlement is the fifth multibillion-dollar RMBS settlement announced by the working group.

Here’s a press release from New York Attorney General Eric Schneiderman:

NEW YORK — Attorney General Eric T. Schneiderman today joined members of the state and federal working group he co-chairs to announce a $5 billion settlement with Goldman Sachs over the bank’s deceptive practices leading up to the financial crisis. The settlement includes $670 million—$480 million worth of creditable consumer relief and $190 million in cash—that will be allocated to New York State. The resolution requires Goldman Sachs to provide significant community-level relief to New Yorkers, including resources that will facilitate a significant expansion of the New York State Mortgage Assistance Program enabling distressed homeowners to restructure their debt, as well as first-lien principal forgiveness, and funds to spur the construction of more affordable housing. Additional resources will be dedicated to helping communities transform their code enforcement systems, and invest in land banks and land trusts.

The settlement was negotiated through the Residential Mortgage-Backed Securities Working Group, a joint state and federal working group formed in 2012 to share resources and continue investigating wrongdoing in the mortgage-backed securities market prior to the financial crisis.

New York has now received $5.33 billion in cash and consumer relief from the National Mortgage Settlement (NMS) and all five Residential Mortgage-Backed Securities Working Group settlements (RMBS). The combined $3.2 billion in cash and consumer relief from RMBS settlements is more than any other state.

“Since 2012, my number one priority has been getting New Yorkers the resources they need to rebuild,” Attorney General Schneiderman said. “These dollars will immediately go to work funding proven programs and services to help New Yorkers keep their homes and rebuild their communities. We’ve witnessed the incredible impact these programs and services can have in helping communities recover from the financial crisis. This settlement, like those before it, ensures that these critical programs—such as mortgage assistance, principal forgiveness, and code enforcement—will continue to get funded well into the future, and will be paid for by the institutions responsible for the financial crisis.”

The settlement includes an agreed-upon statement of facts that describes how Goldman Sachs made multiple representations to RMBS investors about the quality of the mortgage loans it securitized and sold to investors, its process for screening out questionable loans, and its process for qualifying loan originators. Contrary to those representations, Goldman Sachs securitized and sold RMBS backed by large numbers of loans from originators whose mortgage loans contained material defects.

In the statement of facts, Goldman Sachs acknowledges that it securitized thousands of Alt-A, and subprime mortgage loans and sold the resulting residential mortgage-backed securities (“RMBS”) to investors for tens of billions of dollars. During the course of its due diligence process, Goldman Sachs received pertinent information indicating that significant percentages of the loans reviewed did not conform to the representations it made to investors. Goldman also received and failed to disclose negative information that it obtained regarding the originators’ business practices. Indeed, Goldman’s due diligence vendors provided Goldman with reports reflecting that the vendors had graded significant numbers and percentages of sampled loans as EV3s, i.e., not in compliance with originator underwriting guidelines. In certain circumstances, Goldman reevaluated loan grades and directed that such loans be waived into the pools to be purchased or securitized.

Even when the percentage of problematic loans in pools sampled by it vendors indicated that the unsampled portions of the pools likely contained additional such loans, Goldman typically did not increase the size of the sample or review the unsampled portions of the pools to identify and eliminate any additional such loans. In many cases, 80 percent or more of the loans in the loan pools Goldman purchased and securitized were not sampled for credit and compliance due diligence. Nevertheless, Goldman approved various offerings for securitization without requiring further due diligence to determine whether the remaining loans in the deal contained defects. A Goldman employee overseeing due diligence for a particular loan pool noted that the pool included loans originated with “[e]xtremely aggressive underwriting” and “large program exceptions made without compensating factors.” Despite this observation, Goldman did not review the remaining portion of the pool, and subsequently securitized thousands of loans from the pool.

Goldman made statements to investors in offering documents and in certain other marketing materials regarding its process for reviewing and approving originators, yet it failed to disclose to investors negative information it obtained about mortgage loan originators and its practice of securitizing loans from suspended originators.

Beginning in mid-2006, Goldman recognized that Fremont, a “key originator, was experiencing an increasing level of early payment defaults (“EPDs”) (i.e., loans for which the borrowers had failed to make one or more of their first payments). Goldman was aware that EPDs were a sign of originators’ bad credit decisions and could be indicators of potential borrower fraud. However, Goldman did not put Fremont on its “no bid” list and continued to purchase loan pools from Fremont during the period Fremont’s EPD claims remained unpaid. Moreover, Goldman “[u]ndertook a significant marketing effort” to tell investors about what Goldman called Fremont’s “commitment to loan quality over volume” and “significant enhancements to Fremont underwriting guidelines.” Likewise, Goldman identified issues with Countrywide’s origination practices. Goldman’s head of due diligence, when presented with a “very bullish” equity report on Countrywide, another large originator, exclaimed “[i]f they only knew  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .”

Attorney General Schneiderman was elected in 2010 and took office in 2011, when the five largest mortgage servicing banks, 49 state attorneys general, and the federal government were on the verge of agreeing to a settlement that would have released the banks—including Bank of America—from liability for virtually all misconduct related to the financial crisis. Attorney General Schneiderman refused to agree to such sweeping immunity for the banks. As a result, Attorney General Schneiderman secured a settlement that preserved a wide range of claims for further investigation and prosecution. In his 2012 State of the Union address, President Obama announced the formation of the RMBS Working Group. The collaboration brought together the Department of Justice (DOJ), other federal entities, and several state law enforcement officials—co-chaired by Attorney General Schneiderman—to investigate those responsible for misconduct contributing to the financial crisis through the pooling and sale of residential mortgage-backed securities.

Under today’s settlement, Goldman Sachs will be required to provide a minimum of $480 million in creditable consumer relief directly to struggling families and communities across the state. The settlement includes a menu of options for consumer relief to be provided, and different categories of relief are credited at different rates toward the bank’s $480 million obligation, including at least:

  • $220 million for debt restructuring
  • $30 million for land banks and land trusts
  • $30 million for code enforcement
  • $150 million for first-lien principal reduction
  • $50 million for the creation and preservation of affordable rental housing

In addition to the settlement with Goldman Sachs, the RMBS working group has reached settlements with four other major financial institutions since 2012:

  • J.P. Morgan Chase: $13 Billion
  • Bank of America: $16.6 Billion
  • Citibank: $7 Billion
  • Morgan Stanley: $3.2 Billion

The National Mortgage Settlement (NMS), reached with the five largest national mortgage servicers, has provided $51 billion in consumer relief and cash nationwide. The combined amount of cash and consumer relief that has been returned to New York as a result of all the RMBS and NMS deals is $1.481 billion in cash and $3.857 in consumer relief, for a total of $5.338 billion. This matter was led by Senior Enforcement Counsel for Economic Justice Steven Glassman and Assistant Attorneys General Desiree Cummings and Kenneth Haim, both of the Investor Protection Bureau.