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070820suburbs
(IMAGE CREDITS: BAUHAUS1000 / GETTY.)

Plan would restrict single-family homes in the suburbs in favor of ‘high-density’ development
Kit Daniels | Infowars.com – JULY 8, 2020

Biden Wants to Obliterate Suburbs With Radical Housing Plan That Restricts Single-Family Homes

Bad news to those who fled big city unrest for the suburbs: Joe Biden wants to permanently alter suburbs under a new housing program that would restrict single-family homes.

America’s suburbs would end as you know them under the Obama-era Affirmatively Furthering Fair Housing regulations that Biden would supercharge if he wins the White House.

We already know what this program under Biden would entail, thanks to a Democratic lawmaker who proposed restricting single-family homes in Virginia by allowing multi-family houses built on the same-sized lots.

“Once Biden starts to enforce AFFH the way Obama’s administration originally meant it to work, it will be as if America’s suburbs had been swallowed up by the cities they surround,” reported National Review’s Stanley Kurtz. “They will lose control of their own zoning and development, they will be pressured into a kind of de facto regional-revenue redistribution, and they will even be forced to start building high-density, low-income housing.”

“The latter, of course, will require the elimination of single-family zoning. With that, the basic character of the suburbs will disappear.”

A prelude to this is already occurring in big cities such as Austin, Texas, in which single-family homes are being redeveloped into duplexes and quadplexes in neighborhoods near downtown.

This would also occur in the suburbs under Biden, Kurtz warns, because he wants to combine AFFH with the eradication of single-family zoning in suburbs under a strategy proposed by New Jersey Senator (and vegan) Cory Booker.

Basically, the Booker/Biden approach is more radical than what was proposed under the Obama administration.

That said, the AFFH rules still exist under the Trump administration because HUD Director Ben Carson never gotten rid of it.

“It will be very tough for President Trump to make a political issue out of Biden’s housing plans so long as his own cabinet secretary is talking about killing suburban single-family zoning with AFFH,” Kurtz lamented. “I think Carson’s wobbling on AFFH explains a lot about why Democrats have become so bold with their plans to undo suburban zoning.”

“If even the Trump administration goes along with federal attacks on suburban zoning, the Dems figure they’ve got political cover.”

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5g-400x254

T-Mobile’s “5G” isn’t really 5G, but is growing fast

T-Mobile’s 5G isn’t as dangerous as Verizon 5G (towers ~ every 400 feet)
In the US, T-Mobile 5G is spreading fast, but it isn’t really the fast microwave 5G that needs to be every 8 houses apart.
Verizon is using 28 Ghz Microwave Frequencies, which needs mini-towers about every 400 feet apart, which is about 8 houses apart.
Sprint is using 2.5 Ghz Microwave Frequencies, which needs about the same as Verizon.
Sprint and Verizon are not growing fast, because they need so many towers to implement every 400 feet.
T-Mobile is spreading fast, because it is using frequencies near 4G and towers are about every 5 miles apart.
T-Mobile is using 600 Mhz and ATT is using 850 Mhz, which is not the mmWave frequency needed for super-fast internet speeds.
T-Mobile is spreading fast and is everywhere, but speeds aren’t much faster than 4G.
https://www.cnet.com/news/t-mobiles-5g-network-is-here-but-its-not-worth-the-upgrade-yet/
I believe Verizon will show how much faster their 5G is, and show the few health problems with T-Mobile’s “5G” (that isn’t really 5G).
People in Verizon 5G mmWave areas are getting sick, like NY

Dr. Naomi Wolf Posts on Social Media About 5G Small Cell Towers in NYC. Others Also Report Health Effects on Themselves and Their Pets.


(read more below)
Note that Verizon put their 5G in Manhattan, and a Manhattan Doctor spread CoronaVirus to New Rochelle, NY
So, there’s a crackdown in New Rochelle, NY https://www.zerohedge.com/news/2020-03-11/planned-new-york-city-seminar-called-doing-business-under-coronavirus-has-been
Wuhan China, South Korea, Northern Italy and parts of Europe are using mmWave Microwave frequencies and peole are getting sick.
https://www.ericsson.com/en/news/2019/7/tim-5g-goes-live-in-italy-with-ericsson
https://www.electricsense.com/5g-coronavirus/ https://www.NoMoreFakeNews.com
Carnival’s Princess Cruise lines used advanced mmWave technology, so their crew got sick with some passengers.

Health effects studies


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http://www.win19.org
http://www.5gexposed.com/ https://www.5gspaceappeal.org/ https://www.centerforsaferwireless.us

Exposure to Cell Phone and Wireless WiFi Radiation Can Reduce Impulse Control and Cause Violence: Study


http://www.electrosmogprevention.org http://citizensforsafetechnology.org\
https://www.americansforresponsibletech.org
https://www.5gspaceappeal.org/ http://weepinitiative.org/talkingtoyourdoctor.pdf

Click to access Musk-Brief-englisch-OK.pdf


————————————————————————————————-
The New CoronaVirus appears to have started in the US, not Wuhan China
US CDC Director Robert Redfield Admitted that Coronavirus
Deaths Have Been Miscategorized as Flu

US CDC Director Robert Redfield Admitted that Coronavirus Deaths Have Been Miscategorized as Flu

Coronavirus COVID-19: “Made in China” or “Made in America”?

CDC
The infections and deaths have been knowingly mis-categorised for months, and the CDC ‘strongly’ recommended that hospitals not test for the virus except as a last resort. It is not an accident that the US has no reliable tests. They don’t want to test. Blame everything on the flu.
——————————————————————————
Please understand that 5G doesn’t cause Coronavirus,
but it weakens the immune system, so more deaths occur.
Build your Health and Immune System so the new flu will pass.

——– Forwarded Message ——–
Subject: 5G and Pollution Pandemic with Pneumonia Deaths – Coronavirus not actual Cause
5g-400x254

Date: Sat, 7 Mar 2020 10:13:27 -0800
From: Jim
5G and Pollution Pandemic with Pneumonia Deaths – Coronavirus not actual Cause
1) Deaths first in Wuhan, China – massive 5G and terrible air pollution
2) Deaths in Daegu, S. Korea – massive 5G rollout months before
3) latest outbreaks in Crew on 2 of Carnival’s Princess Cruise Ships – massive 5G rollout
4) California Firemen test 5G and get sick – refuse more 5G
5) NY people get sick from 5G

China, 5G, And The Wuhan Coronavirus: The Emperor’s New Virus

China, 5G, And The Wuhan Coronavirus: The Emperor’s New Virus


Wuhan China has massive 5G and Air Pollution – people got sick from 5G and Air Pollution, Coronavirus not actual Cause
“At the moment, with 10,000 recently installed 5G antennas plastering its city,
Wuhan is probably one of the most 5G-electropolluted cities on the planet.”
People in Wuahn were complaining about incinerators that were getting people sick before the Coronavirus:
https://www.cnn.com/2019/07/10/asia/china-wuhan-pollution-problems-intl-hnk/index.html

California Firemen test 5G and get sick – they forbid 5G near firestations
ConsumerWatch: 5G Cellphone Towers Signal Renewed Concerns Over Impacts on Health

ConsumerWatch: 5G Cellphone Towers Signal Renewed Concerns Over Impacts on Health


But the International Association of Frefighters disagrees. It began opposing cell towers on fire stations, after firefighters complained of health problems.
“These firefighters developed symptoms,” says Dr. Gunnar Heuser who conducted a pilot study on firefighters at a station with cell towers.
“The symptoms included problems with memory, problems with intermittent confusion, problems with weakness,” Heuser said.
Heuser says their brain scans suggest even low-level RF can cause cell damage and he worries about more vulnerable groups like kids.
“We found abnormal brain function in all of the firefighters we examined,” Heuser said.
So, following lobbying by firefighters, assemblyman Quirk and his co-author exempted fire stations from their bill, making them one place cell companies couldn’t put a tower.
“This is the first piece of legislation that anyone is aware of where somebody got an exemption because they were concerned about health.
Did they tell you at all about the study?” we asked the assemblyman.
Quirk’s response: “All I know is that when the firefighters ask, I do what they ask me to do.”
“Because they are strong lobbyists?” we asked him. His response: “Yes.”
More than 230 scientists from 41 nations — who have published over 2,000 peer-reviewed papers on electromagnetic fields and biology and health — have signed the International EMF Scientist Appeal.
They cite “serious concerns” about “increasing exposure to EMF” based on “numerous recent scientific publications” linking low levels of wireless radiation to health effects.
They’re calling for stronger regulations, disclosure about wireless industry ties to regulatory agencies, and they want publicly funded studies on the health effects of EMF emitting devices/base stations (i.e. cell towers).

S.Korea first to roll out 5G services, beating U.S. and China – 4/2/2019
https://www.reuters.com/article/southkorea-5g/skorea-first-to-roll-out-5g-services-beating-us-and-china-idUSL3N21K114
Is 5G also causing the new S. Korea Coronavirus epidemic?
S.Korea Coronavirus Cases Go Exponential As New Infections Soar By 70%
https://www.zerohedge.com/geopolitical/cases-covid-19-south-korea-double-overnight-alarming-prison-outbreak-reported-china

Carnival’s Princess Cruise Ships first to use 5G – Coronavirus outbreaks on 2 ships
https://www.satellitetoday.com/mobility/2020/02/03/princess-cruises-to-have-first-fleet-with-sess-o3b-mpower-network/
Off San Francisco – 19 Crewmembers and 2 passengers
(Crew have been on ship longer – weaker immune systems)
https://www.zerohedge.com/geopolitical/another-nightmare-sea-california-scrambles-test-passengers-aboard-grand-princess

In 2018 5G technology was installed in some New York neighborhoods anyway and
residents and their pets immediately started experiencing symptoms from exposure.
This was reported on social media by Dr. Naomi Wolf. headaches, tinnitus, can’t sleep, etc

Dr. Naomi Wolf Posts on Social Media About 5G Small Cell Towers in NYC. Others Also Report Health Effects on Themselves and Their Pets.


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What Can You Do to Protect Yourselves?

China, 5G, And The Wuhan Coronavirus: The Emperor’s New Virus

Well given that accordingly the EMF effects act via the activation of VGCCs with a resulting increase in calcium ions inside the cell stimulating nitric oxide synthase to produce more nitric oxide leading downstream to the creation of free radicals (aka reactive oxygen species), it is important to, first of all, limit EMF exposures as much as possible. As Oram Miller recommends,

Reduce use, increase distance, and favor hardwired connections whenever and wherever possible. You can put your cell phone in Airplane mode, making sure WiFi and Bluetooth are off while in Airplane mode, and do most every function on your cell phone on a different, hardwired device when inside your house. That includes talking, texting, emailing, audio and video streaming, and using various apps. 66 Learn more about Bluetooth, WiFi and cell phone radiation protection here.

Secondly, hire a Building Biology Certified Electromagnetic Radiation Specialist to help with the measurement and then reduction of EMFs in the home, for example, by shielding your home and sleeping area to block out health-damaging RF, eliminating any wiring errors in the home to reduce magnetic fields, and reducing sources of dirty electricity. Read about EMFs on wiring here.

Thirdly, I would say that implementing what I have dubbed “The Radio-protective Diet and Supplement Program™,” is essential.

There are two main supplements that I have used over the years that have greatly reduced my own sensitivity to electromagnetic fields dramatically and these are (1) magnesium, as it acts as a natural VGCC blocker, in that it blocks calcium from entering the cell, and (2) L-lysine, an essential amino acid, which works to calm down the production of nitric oxide (N.O.), (whereas the amino acid arginine is needed by nitric oxide synthase to stimulate the production of N.O.). Learn more about Electrical sensitivity diagnosis and treatment here.

L-lysine has the added benefit in that it acts in a similar fashion to selective-serotonin reuptake inhibitors (SSRI) in that it binds with the serotonin receptors in the brain to increase serotonin levels. Taking both of these supplements before bed should also help you sleep better.

“The Radio-protective Diet and Supplement Program™,” is essentially (1) immune system boosting, (2) anti-inflammatory, (3) detoxifying, and (4) free-radical quenching. Hence, it consists of foods and supplements that support these processes in the body. Here is an article on EMF Protection and the food you eat.

This would entail taking, for example, denatured organic whey powder to boost glutathione (the body’s super antioxidant) levels, which not only quenches free radicals, but also helps with boosting the immune system and detoxification, and also targeted transfer factors which boost one’s immune system by increasing natural killer cells; anti-inflammatories like ginger and turmeric; detoxifying foods like onions, garlic, and broccoli; and fruits and vegetables high in antioxidants; not to mention foods that replenish hormones and neurotransmitters lost from exposures to EMFs like serotonin, melatonin, dopamine, gamma amino butyric acid (GABA), and phenylethylamine (PEA) which include bananas (tryptophan), pineapple (serotonin), cashew nuts (serotonin), tart cherry juice (melatonin), sprouted rice milk (GABA), and chocolate (PEA).
Another supplement I find essential for boosting the immune system, stimulating detoxification, and healing leaky gut (and probably other leaky barriers) are humic minerals.

There have been a number of posts on social media websites recommending herbs and supplements that are supposed to be effective against the coronavirus. For example, Ty Bolinger lists a number of supplements and herbs one can take in an article he posted on his website, the Truth About Cancer, titled, “Coronavirus: ‘The Good, the Bad, and the Answers.’” 83 And Doris Loh explains why taking Vitamin C will protect and enhance your immune system in two of her articles. 84 85 I know from previous research that both EMFs and viruses deplete Vitamin C reserves, so supplementing with it seems like a very good idea.

Finally, I would say that exposing yourself to beneficial EMFs through Earthing, and also using a PEMF machine. I personally use one that has for me, I feel, (1) stimulated the healing process, (2) reduced inflammation, and (3) boosted my immune system. If you are interested in this last solution, contact me at EMF Refugee.

——– Forwarded Message ——–
Subject: More Data: CoronaVirus not bad in areas without 5G and pollution, like Hong Kong, US
Date: Fri, 28 Feb 2020 10:53:31 -0800
From: Jim More Data: CoronaVirus not bad in areas without 5G and pollution
Fake News Hype – More Fake Scare Tactics – Dud after previous
West Nile, SARS, bird flu, Swine Flu, MERS, Zika, Ebola Duds

What are the Chinese hiding in Wuhan?


“In the previous epidemics, which turned out to be duds—West Nile, SARS, bird flu, Swine Flu, MERS, Zika, Ebola
—there were people claiming the virus had been diabolically weaponized, it was spreading unchecked, and
THIS WAS THE BIG ONE.
If they had been right, we would not be here to discuss epidemics.
We would all be dead. Of course, this history of duds gives these doomsayers no pause at all.
They keep predicting THE END. They have miraculously short memories.”
—————————————–
China-City-Pollution-Smog

Toxic Air Pollution in Wuhan China
(Protests last July 2019, before December Pneumonia Crisis)
https://www.cnn.com/2019/07/10/asia/china-wuhan-pollution-problems-intl-hnk/index.html
Wuhan China: Recent weeks have seen major protests there — in themselves a rarity in China — over plans for a new garbage incineration plant.
Holding banners with slogans such as “we don’t want to be poisoned, we just need a breath of fresh air,”
thousands of people took to the city’s streets over two weeks in June and July calling for the suspension of plans to build the plant.
“We are fearful that the plant is too close to residence area,” one protester in the city of 10 million people told state media.
Others expressed concern that emissions could worsen air pollution and harm residents’ health.
Local officials were apparently surprised by the scale and size of the protests, which came after
several similar waste plants were reportedly found to be giving off dangerous emissions.
Photos and videos shared on social media showed large crowds marching in the streets near where the plant was to be built, and police arresting numerous protesters.
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This article is more than 11 months old
‘Social disaster’: South Korea brings in emergency laws to tackle dust pollution
https://www.theguardian.com/environment/2019/mar/13/social-disaster-south-korea-brings-in-emergency-laws-to-tackle-dust-pollution
South Korea has passed emergency measures to tackle the “social disaster” being unleashed by air pollution
Air pollution has become a key political issue
Seven major cities suffered record-high concentrations of dangerous PM 2.5 particles, according to the National Institute of Environmental Research.
The World Health Organization has warned that air pollution poses a major public health risk
due to its links with a host of respiratory and cardiovascular illnesses.
——– Forwarded Message ——–
Subject: CoronaVirus not bad in areas without 5G and pollution, like Hong Kong, US
Date: Fri, 28 Feb 2020 08:35:30 -0800
From: Jim CoronaVirus not bad in areas without 5G and pollution
[my hypothesis is that 5G, some 4G and other pollution is weakening Immune Systems, so more deaths from Pneumonia]
HONG KONG: Two Months After Initial Reports of Coronavirus Only 93 Cases and 2 Deaths in Population of 8 Million in Hong Kong

MUST READ… LIVE FROM HONG KONG: Two Months After Initial Reports of Coronavirus Only 93 Cases and 2 Deaths in Population of 8 Million in Hong Kong


Hong Kong is one of the most densely populated areas on earth with a population of around 8 million.
As of this morning there have been 93 coronavirus cases confirmed (the same as Singapore) and two deaths.
The percent of confirmed cases to total population is minuscule at 0.0012%.
Deaths as a percent of the population are basically nil at 2 in 8 million.
China has a population of around 1.4 billion. The number of coronavirus confirmed cases stands at 78,824 with around 2,700 confirmed deaths.
The percent of confirmed cases to the population is also minuscule at 0.0056%. Deaths as a percent of the population are basically nil.
These numbers are based on reported cases which may or may not be accurate.
[I believe 5G and even stong 4G Wifi routers are weakening people’s immune system, leading to fast Pneumonia:
heavy 5G saturation in Wuhan China, S. Korea, and Japan, may be causing pandemic, not CoronaVirus – future, 5G in NY, SanFrancisco, Houston, etc? ]
The Fear Virus Pandemic. “Fake News”? “Look at the Numbers. It’s not a Pandemic”.

The Fear Virus Pandemic. “Fake News”? “Look at the Numbers. It’s not a Pandemic”.


Maria Rita Gismondo – director of clinical macrobiology, virology and bio-emergency diagnostics at the laboratory of the Sacco Hospital in Milan, where
samples of possible contagions are analyzed – says:
“It’s madness. We’ve turned an infection that is
little more serious than influenza into a lethal pandemic.
Look at the numbers. It’s not a pandemic”.
VIDEO: The “Lock Step” Simulation Scenario:
“A Coronavirus-like Pandemic that Becomes Trigger for Police State Controls”

VIDEO: The “Lock Step” Simulation Scenario: “A Coronavirus-like Pandemic that Becomes Trigger for Police State Controls”


The message is clear – police state good, freedom bad. And other governments rapidly get the message, according to the simulation.
First and third world nations alike follow suit by “flexing their authority” and imposing quarantines, body-temperature checks, and other “airtight rules and restrictions”
– most of which, the report is careful to note, remain in place even as the pandemic recedes into the past.
“In order to protect themselves from the spread of increasingly global problems
– from pandemics and transnational terrorism to environmental crises and rising poverty – leaders around the world took a firmer grip on power.”

Some Cell Phones emit LOTS more Radiation than others:
Worst Radiation from iPhones, chinese Xiaomi, Sony Experia , Google Pixel 3
Least Radiation from Samsung and Nokia
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——– Forwarded Message ——–
Subject: DeepState/Elite Plan to Weaken Health with 5G/GMOs/Glyphosate/Pollution/Vaccines so Pandemics can Reduce Population
Date: Thu, 27 Feb 2020 04:25:23 -0800
From: Jim DeepState/Elite Plan to
download

Weaken Health with 5G/GMOs/Glyphosate/Pollution/Vaccines
so Pandemics can Reduce Population
Example 1: The Georgia Guidestones were built with instructions, including
“Maintain humanity under 500,000,000 in perpetual balance with nature.”
They carry a tablet in front proclaiming, “Let these be guidestones to an Age of Reason.”
Engraved in the stones are ten guidelines meant to re-establish the planet and society, perhaps after an apocalypse.
https://www.atlasobscura.com/places/georgia-guidestones
https://en.wikipedia.org/wiki/Georgia_Guidestones
Example 2: Robert David Steele’s blog
Review: TAVISTOCK INSTITUTE – Social Engineering the Masses by Daniel Estulin — Deep State Playbook
https://russiancouncil.ru/en/blogs/SteelesBlog-en/review-tavistock-institute-social-engineering-the-masses-by-daniel-est/
I believe this to be a most valuable holistic perspective essential to taking down the Deep State.
I am reminded of Barbara Honegger’s IN THE ROOM recollection of
William Casey telling Ronald Reagan:
“We’ll know our disinformation program is complete
when everything the American public believes is false.”
Barbara Honegger, Quora, 25 November 2014
https://www.zerohedge.com/news/2018-11-30/relentless-totalitarianism-toward-what-ends-depopulation-global-rule
There is a Trumpian bottom line that I want to emphasize up front:
the absolute worst nightmare for the Deep State and the 1% elite seeking to create a New World Order in which the 99% are dumbed down drugged up automatons,
is a strong family unit and bottom up community ethos that values individual learning and independence of mind.
We are at the tail end of fifty years of elite efforts to destroy our ability to think for ourselves
while seeking to infect us with both physical and mental diseases,
all the while carrying out eugenics and euthanasia programs
ranging from vaccines that sterilize to wars based on 935 lies (Iraq).

Relentless Totalitarianism Toward What Ends? Depopulation & Global Rule
https://www.zerohedge.com/news/2018-11-30/relentless-totalitarianism-toward-what-ends-depopulation-global-rule
All of these actions outlined in this piece are a part of the Globalists’ plans for Global Rule. War has always been a preferred method for gaining control: it boosts the economy via the Military Industrial Complex, and reduces the population all in one fell swoop. In this day and age, however, it is the assets that are the main concern: the ability to kill off the populations and then swoop in akin to vultures to pick up the pieces. Sound farfetched? Here are a few direct quotes for you that you can find under “22 Shocking Population Control Quotes from the Global Elite that will make you want to lose your lunch,” worth noting:
“The world today has 6.8 billion people. That’s heading up to about nine billion. Now if we do a really great job on new vaccines, health care, reproductive health services, we could lower that by perhaps 10 or 15 percent.” – Bill Gates

“A total population of 250-300 million people, a 95% decline from present levels, would be ideal.” – Ted Turner

“We must speak more clearly about sexuality, contraception, about abortion, about values that control population, because the ecological crisis, in short, is the population crisis. Cut the population by 90% and there aren’t enough people left to do a great deal of ecological damage.” – Mikhail Gorbachev

“Maintain humanity under 500,000,000 in perpetual balance with nature.” – #1 item of “The new 10 Commandments,” the Georgia Guidestones

These people are serious, and the best way to do it would be with a virus. They will eventually use nuclear war, an EMP, or a virus to do the trick.
The last one would be the most convenient, as well as leave valuable property and resources undamaged.
Look closely around the country: they reactivated Mt. Weather, and refurbished Cheyenne Mountain.
Denver International Airport has plenty of “subterranean surprises” for any who do their homework, complete with interconnecting tunnels.
All of those (Mis)representatives: Pelosi, Swalwell, Paul Ryan, Rand Paul….Ocasio Cortez (yeah, picture her, now)…these will all be taken underground and kept alive no matter what the catastrophic event…with supplies, medical care, and an army of guards….all on our dime.

——– Forwarded Message ——–
Subject: 5G and other pollution weakens Immune System, so Pneumonia KILLs, then blame Coronavirus
Date: Wed, 26 Feb 2020 09:50:38 -0800
From: Jim

image
5G and other pollution weaken Immune System, so Pneumonia KILLs, then blame Coronavirus
(China and others are testing dead people for Pneumonia, then falsely blaming CoronaVirus)
[I believe 5G and even stong 4G Wifi routers are weakening people’s immune system, leading to fast Pneumonia:
heavy 5G saturation in Wuhan China, S. Korea, and Japan, may be causing pandemic, not CoronaVirus – future, 5G in NY, SanFrancisco, Houston, etc? ]
CDC conflicts of Interest: promote forced vaccines, make money on vaccine patents.
CDC is hyping CoronaVirus to promote vaccines for profit
Trump Furious With CDC For ‘Spooking’ Market: WaPo
https://www.zerohedge.com/political/trump-furious-cdc-spooking-market-wapo
Fake News (CNN and MSDNC [MSNBC? Demos] hype panic
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——————————————————————-
Head of CDC tied to Mueller (and witch hunt) – sister of Rod Rosenstein
Just Like Her Corrupt Brother Rod Rosenstein —
The CDC’s Dr. Nancy Messonnier, Drops a Bomb on President Trump While On International Trip

Just Like Her Corrupt Brother Rod Rosenstein — The CDC’s Dr. Nancy Messonnier, Drops a Bomb on President Trump While On International Trip


The brother of the CDC’s Dr. Nancy Messonnier, is the corrupt disgraced former DAG Rod Rosenstein.
Following in his footsteps, Dr. Messonnier dropped a bomb on President Trump while he was in India yesterday.
Yesterday, the CDC unexpectedly announced startling news about the coronavirus in the US. This
rattled the markets and led to another downturn of hundreds of points in the DOW for the second straight day:
Rosenstein’s Deep State friends, the Democrat Party, regularly schedule hateful events when the President is overseas:
Now we know why the CDC was fear-mongering – Dr. Nancy’s brother is Rod Rosenstein. What a sick family and horrible people.
——————————————————–
5G and other pollution weakens Immune System, so Pneumonia KILLs, then blame Coronavirus
Pneumonia deaths wrongly blamed on CoronaVirus without testing, just chest XRay

China coronavirus hype straight out of the CDC flu playbook


In today’s episode of Numbskulls and Deceivers in Medical Science, I ask the question: Are Chinese researchers copying an old CDC scam,
or have they independently come up with their own lies which happen to mirror CDC hype?
In my series on the China epidemic (archive here), I’ve pointed out that pneumonia—the key indicator of the “coronavirus”—can be caused by many other factors:
Other microbes, fungi, toxic pollution, etc.
And Chinese authorities no longer require direct testing for the coronavirus. Instead, CT scans of the chest are employed.
If these scans show signs of pneumonia, the “coronavirus epidemic” label is absurdly applied to the patient.
I’ve also pointed out that, historically, pneumonia has been a major disease in China. Long before “the emergence of the new human coronavirus,”
people in China have been dying of pneumonia at the rate of about 300,000 a year.
Now those people, passing away from the disease in 2020, can be falsely called “deadly epidemic cases.” How convenient.
Well, it turns out the US Centers for Disease Control (CDC) has been running its own pneumonia scam for a long time.
Some years ago, when I was writing about the flu, I received emails from Peter Doshi and Martin Maloney.
They fed me data from the CDC’s own charts detailing flu deaths in the US. And they pointed out the lies.
Doshi went on to write an analysis for the journal BMJ Online (December 2005). Here is a key quote from his report:
“[According to CDC statistics], ‘influenza and pneumonia’ took 62,034 lives in 2001—61,777 of which were attributable to pneumonia and 257 to flu, and in only 18 cases was the flu virus positively identified.”
You might want to chew on that sentence for a while.
You see, the CDC has created one overall category that combines both flu and pneumonia deaths. THEY CALL THIS CATEGORY “FLU.”
Why do they do this? Why do they deceptively assert the pneumonia deaths are complications stemming from the flu?
Because they want to sell doctors and the public on the “dangers of the flu.”
Pneumonia has a number of non-flu causes.
But even worse, in all the 2001 flu and pneumonia deaths, only 18 revealed the presence of an influenza virus.
Therefore, the CDC couldn’t truthfully say that more than 18 people died of influenza in 2001. Not 36,000 deaths, the old CDC PR statistic. 18 deaths.
Doshi continued his assessment of published CDC flu-death statistics: “Between 1979 and 2001, [CDC] data show an average of 1348 [flu] deaths per year (range 257 to 3006).”
These figures refer to flu separated out from pneumonia.
This low death toll would drop MUCH lower, if you added the need to confirm the presence of a flu virus in those cases.
Clearly, the CDC combines flu and pneumonia in one category, and calls it “flu,” in order to lie about the number of flu deaths in the US, and thus push the flu vaccine.
So we have two fake hustles, years apart, in the US and China, both based on the deceptive use of pneumonia.
Liars tend to tell the same kinds of lies, over and over.
Medical liars often import diseases which have nothing to do with their claims, in order to build up case numbers and pump up threats and fears.
And then sell toxic drugs and vaccines, as solutions.

——– Forwarded Message ——–
Subject: 5G weakens Immune System, so viruses KILL
Date: Mon, 24 Feb 2020 11:36:13 -0800
From: Jim 5G weakens Immune System, so viruses KILL
– People in 5G areas get headaches, tinnitus, and can’t sleep, etc

NYC Approves More 5G on Streetlamps, Traffic Poles, and Fiber Despite Health Impacts and Technical Issues


In 2018 5G technology was installed in some New York neighborhoods anyway and
residents and their pets immediately started experiencing symptoms from exposure.
This was reported on social media by Dr. Naomi Wolf. headaches, tinnitus, can’t sleep, etc

Dr. Naomi Wolf Posts on Social Media About 5G Small Cell Towers in NYC. Others Also Report Health Effects on Themselves and Their Pets.


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S.Korea first to roll out 5G services, beating U.S. and China – 4/2/2019
https://www.reuters.com/article/southkorea-5g/skorea-first-to-roll-out-5g-services-beating-us-and-china-idUSL3N21K114
Is 5G also causing the new S. Korea Coronavirus epidemic?
S.Korea Coronavirus Cases Go Exponential As New Infections Soar By 70%
https://www.zerohedge.com/geopolitical/cases-covid-19-south-korea-double-overnight-alarming-prison-outbreak-reported-china
5G Radiation Dangers – 11 Reasons To Be Concerned

5G Radiation Dangers – 11 Reasons To Be Concerned


The Dangers Of 5G Radiation – 11 Reasons To Be Concerned
The USA is currently leading the way on 5G.
At the June 2016 press conference where the Federal Communications Commission’s (FCC) head Tom Wheeler announced the opening up of low, mid and high spectrum’s.
There was no mention of health effects whatsoever. But the dangers are real.
5G Radiation DangersThousands of studies link low-level wireless radio frequency radiation exposures to a long list of adverse biological effects, including:
DNA single and double strand breaks oxidative damage disruption of cell metabolism increased blood brain barrier permeability melatonin reduction
disruption to brain glucose metabolism generation of stress proteins
Let’s not also forget that in 2011 the World Health Organization (WHO) classified radio frequency radiation as a possible 2B carcinogen.
More recently the $25 million National Toxicology Program concluded that radio frequency radiation of the type currently used by cell phones can cause cancer.
But where does 5G fit into all this?
Given that 5G is set to utilize frequencies above and below existing frequency bands 5G sits in the middle of all this.
But the tendency (it varies from country to country) is for 5G to utilize the higher frequency bands. Which brings it’s own particular concerns.
Here is my review of the studies done to date – 11 reasons to be concerned about 5G radiation.
———————————————————————————–
ConsumerWatch: 5G Cellphone Towers Signal Renewed Concerns Over Impacts on Health

ConsumerWatch: 5G Cellphone Towers Signal Renewed Concerns Over Impacts on Health


But the International Association of Frefighters disagrees. It began opposing cell towers on fire stations, after firefighters complained of health problems.
“These firefighters developed symptoms,” says Dr. Gunnar Heuser who conducted a pilot study on firefighters at a station with cell towers.
“The symptoms included problems with memory, problems with intermittent confusion, problems with weakness,” Heuser said.
Heuser says their brain scans suggest even low-level RF can cause cell damage and he worries about more vulnerable groups like kids.
“We found abnormal brain function in all of the firefighters we examined,” Heuser said.
So, following lobbying by firefighters, assemblyman Quirk and his co-author exempted fire stations from their bill, making them one place cell companies couldn’t put a tower.
“This is the first piece of legislation that anyone is aware of where somebody got an exemption because they were concerned about health.
Did they tell you at all about the study?” we asked the assemblyman.
Quirk’s response: “All I know is that when the firefighters ask, I do what they ask me to do.”
“Because they are strong lobbyists?” we asked him. His response: “Yes.”
More than 230 scientists from 41 nations — who have published over 2,000 peer-reviewed papers on electromagnetic fields and biology and health — have signed the International EMF Scientist Appeal.
They cite “serious concerns” about “increasing exposure to EMF” based on “numerous recent scientific publications” linking low levels of wireless radiation to health effects.
They’re calling for stronger regulations, disclosure about wireless industry ties to regulatory agencies, and they want publicly funded studies on the health effects of EMF emitting devices/base stations (i.e. cell towers).
———————————————————————————–
The Promise Of 5G Comes With A Regulatory Headache And Health Risk Concerns

The Promise Of 5G Comes With A Regulatory Headache And Health Risk Concerns


There’s a battle playing out between state and local governments over who should be allowed to regulate 5G
— the new mobile technology that will hasten internet data speeds.
“We’re going to be exposing the entire population of this country to 5G without any safety data,” said Dr. Devra Davis,
the president and founder of the Environmental Health Trust at the hearing. “
There are a lot of myths about 5G and, unfortunately, we’re being sold something for which there are no standards. It’s being built and then we’ll figure it out.”
Those concerns, Davis and others expressed, was that the radio frequencies from 5G could be cancerous.
Scientists and doctors would like to see more research done before implementing the technology nationwide.
Because of that, some local governments have paused implementing the telecommunications hardware until more research can be conducted.
“We have a 21st Century technology and we’re operating it with 20th Century safety standards,” Davis said.
“Would you like to fly an airplane today that used 20th Century safety standards?”
Meanwhile, local governments are pushing back against the state and the federal government in an attempt to control the regulatory process.
However, the struggle for oversight is most prevalent in Montgomery County.
In September 2018, the Federal Communications Commission ordered an accelerated deployment of wireless broadband by removing the “barriers to infrastructure investment” and requiring local governments to reduce regulations on the technology.
Montgomery County is still in the process of appealing the case to the Ninth Circuit U.S. Court of Appeals,
councilmembers continue to push for local control to implement 5G before Maryland passes its own state regulatory laws.
In its hearing last month, the Montgomery County Council weighed a bill to implement standards for residential areas.
But the hearing was upended by residents who opposed 5G cell towers being placed in their neighborhoods and others who voiced their concerns about the health risks.
“I do not consent to radiofrequency microwave radiation,” Anne Pritchard, a former registered nurse and longtime resident of Silver Spring, told the council last month.
Pritchard said she noticed a decline in her cognitive abilities, memory and learning when she had her wireless phone very close to where she sleeps and a gas smart meter powering her house.
“After keeping the phone unplugged and removing the gas smart meter, very soon after, my cognitive abilities came back to normal,” Pritchard said.
Unlike 4G that relies on large antennas to deliver radio frequencies to your phone,
5G relies on small cell towers that rest on telephone poles or light posts within 100 to 200 meters of each other in order to make the radio waves move faster.
——– Forwarded Message ——–
image-997849-galleryV9-jbcg-997849

Subject: 5G weakens Immune System – Coronavirus spread by touch and feces – people with weak immune systems die – 5G?
Date: Sat, 22 Feb 2020 06:20:50 -0800
From: Jim Coronavirus spread by touch and feces – like HIV – people with weak immune systems die – 5G?
Worst outbreaks in China and South Korea = where 5G is everywhere
https://beforeitsnews.com/eu/2020/01/coronavirus-or-is-it-5g-wuhan-is-5g-test-bed-location-2653776.html
Lung immune system also weakened by air pollution in China
– Wuhan protested air pollution July 2019
https://www.cnn.com/2019/07/10/asia/china-wuhan-pollution-problems-intl-hnk/index.html
Coronavirus? Wuhan is 5G test bed location.
Look at what they may be blaming the future 5G casualties on – the coronavirus.
https://www.rumormillnews.com/cgi-bin/forum.cgi?read=139477
Quote:
Wuhan is where 5G was rolled out
What if all we are seeing in Wuhan is sickness from exposure to excessive 5G radiation, and weakened immune systems?
S.Korea first to roll out 5G services, beating U.S. and China – 4/2/2019
https://www.reuters.com/article/southkorea-5g/skorea-first-to-roll-out-5g-services-beating-us-and-china-idUSL3N21K114
Is 5G also causing the new S. Korea Coronavirus epidemic?
S.Korea Coronavirus Cases Go Exponential As New Infections Soar By 70%
https://www.zerohedge.com/geopolitical/cases-covid-19-south-korea-double-overnight-alarming-prison-outbreak-reported-china
———————————————————————————————-
5G is not safe and weakens the immune system
https://blogs.scientificamerican.com/observations/we-have-no-reason-to-believe-5g-is-safe/

Video: The 5G Trojan Horse


Dozens of US Doctors and Healthcare Practitioners
Send Letter to President Trump Calling for A Moratorium on 5G

Dozens of US Doctors and Healthcare Practitioners Send Letter to President Trump Calling for A Moratorium on 5G  Press Release


5G Wireless Technology Is War against Humanity

5G Wireless Technology Is War against Humanity


5G Is Military Grade Technology Was Created for Use as a Weapon and Surveillance

Warning: The Truth May Shock You!  5G Is Military Grade Technology Was Created for Use as a Weapon and Surveillance


Western Insanity and 5G Electromagnetic Radiation

Western Insanity and 5G Electromagnetic Radiation


5G Cell Phone Radiation: How the Telecom Companies Are
Losing the Battle to Impose 5G Against the Will of the People

5G Cell Phone Radiation: How the Telecom Companies Are Losing the Battle to Impose 5G Against the Will of the People


5G Apocalypse: The Extinction Event film reveals how 5G is an
assault weapon meant to destroy humanity
https://www.naturalnews.com/2019-05-19-5g-apocalypse-extinction-event-film-destroy-humanity.html
REALITY CHECK: Coronavirus fear porn
https://off-guardian.org/2020/01/24/reality-check-coronavirus-fear-porn/
——————————————————————————–

Boost your immune system

https://articles.mercola.com/sites/articles/archive/2018/02/01/boost-immune-system.aspx

A healthy immune system can counteract sources of stress in your body, including pathogens that can make you sick, so eating foods with certain vitamins, such as A, B and C, as well as minerals will help optimize your ability to fight off illness, as will optimizing your vitamin D level
While your body is gaining the benefits of optimal nutrition, there are also foods you want to avoid — beginning with sugar — because they compromise your immune system and weaken your gut health
B vitamins are good for boosting your immunity, and they’re especially effective when you combine foods containing them so they can all work together for maximum effect
To keep your immune system functioning at its best, some of the most effective strategies include avoiding sugar, sleeping well, minimizing stress and including fiber and probiotics in your meal regimens
———————————————————————————–
As I’ve mentioned before, some of the basics for good Health are:
1) Drink Lots of Pure Water
2) Eat lots of Raw Foods and Juices – read my http://www.LiveFoodHealing.com
3) Especially eat lots of dark Green Leaves (not Head Lettuce)
4) Get lots of minerals, including trace minerals – I buy Ancient Minerals here
5) Alkalize your body – a simple teaspoon of baking soda helps, especially before bed
6) Exercise and get Sunlight
7) Avoid GMO, excess sugar, artifical sweeteners, too much meat, and other unhealthy food
8) Take Prebiotics to feed your good gut bacteria – don’t just take Probiotics – read my http://www.PreBioticInfo.com
9) Take healthy oils, like CBD Hemp Oil, Wild Salmon Oil, Black Seed Oil – I get mine here
Also, use “Sound Healing” like “Brain Humming”
https://donovanhealth.com/video/

Read Full Post »

Doctor-Surgeon-Operate-Hospital-2
(Image: Organ donor? Organs are cut out of patients’ bodies even while they are conscious and aware, horrifying new science study reveals)

Organ donor? Organs are cut out of patients’ bodies even while they are conscious and aware, horrifying new science study reveals
Wednesday, April 17, 2019 by: Mike Adams
https://www.naturalnews.com/2019-04-17-human-organs-are-cut-out-of-patients-bodies-even-while-they-are-conscious-and-aware.html

(Natural News) If you’re an organ donor, you might have chosen that status out of a sense of goodwill, thinking that medical personnel don’t harvest your organs until after you’re dead and unconscious. But a new scientific study reveals that organ harvesting is very likely taking place even while patients are still conscious, even though their hearts have stopped beating.

This means that patients are fully aware — and experience all the pain — of doctors rapidly cutting into their bodies and slicing away their organs in order to generate “transplant profits” for the corrupt medical system.

Even when your heart stops beating, you’re still alive and conscious for several minutes
You’re not really dead when your heart merely stops beating, even though that’s what doctors use to pronounce you dead. “[P]eople who have survived cardiac arrest later accurately described what was happening around them after their hearts stopped beating,” said Dr. Sam Parnia, a researcher who studies consciousness after death. His comments were reported by Fox News:

He said: “They’ll describe watching doctors and nurses working, they’ll describe having awareness of full conversations, of visual things that were going on, that would otherwise not be known to them.”

In other words, you’re still alive, conscious and aware for several minutes after your heart stops beating. Just because the heart stops doesn’t instantly disconnect the activity of the brain. (This should be obvious, but the corrupt, evil medical system has whitewashed this issue for years, pretending that death is instantaneous, taking place the moment the heart stops beating.)

“This means you are essentially ‘trapped’ inside your dead body with your brain still working,” reports Fox News. If you’re an organ donor, that’s the moment in which doctors slice into your body without using anesthesia (since they assume you’re dead) and start rapidly harvesting your organs. You feel every bit of it, but you’re trapped inside your body and can’t move or even scream.

If you’re an organ donor, greedy hospitals and unethical doctors may start harvesting your organs BEFORE you’re dead
Doctors are pushed by the medical industry to harvest as many organs as possible, since organs are free to the hospital, yet that same hospital can generate millions of dollars in revenue from an organ transplant. The organ trade is steeped in unethical medical crimes and horrifying realities that almost no one dares acknowledge. Over the years, there have been many reports that claim some doctors dishonestly declare patients to be deceased even when they aren’t, in order to start harvesting their organs before their heart stops beating.

A shocking investigative book called The Red Market (by Scott Carney) documents the unethical practices of the organ trade industry. The book’s subtitle is, “On the trail of the world’s organ brokers, bone thieves, blood farmers and child traffickers,” and it lays out the horrifying truth about the organ harvesting industry that the medical establishment has successfully covered up for decades.

The-Red-Market-Scott-Carney-450-267x403

The corrupt medical system pushes you to donate your organs for THEIR benefit, not yours
In summary, the entire push for you to become an organ donor is based on medical system profits. They need your organs in order to charge patients for organ transplant procedures, drugs and a lifetime of repeat doctor visits. In seeking to capture these profits, they falsely imply that somehow organ transplants are free to everyone, as if hospitals and doctors are volunteering their time and resources to save lives.

That’s a big lie.

In truth, organ transplants are a huge profit center for many hospitals, and while hospitals and doctors reap enormous profits on these procedures, they pay no money whatsoever to the family of the deceased person whose organs made the entire thing possible in the first place.

Why should organ donors give up their organs for free while doctors, hospitals and drug companies reap huge profits from those organs? If “saving lives” is the real goal, then why don’t hospitals the doctors offer all organ transplants for free?

The answer is obvious: It’s big business. It’s a profit center for the corrupt, evil medical industry.

And if you are an organ donor, you are perpetuating this great evil and possibly subjecting yourself to horrifying torture as surgeons rip your organs from your body while you’re still alive and conscious.

If you really want to help others, teach people how to protect their own organs through healthy living, nutrition and avoidance of toxins. By teaching people how to keeps their own organs healthy, you reduce the need for fresh organ transplants, thereby making more of those organs available to those who are waiting for them.

You can start by teaching people to avoid toxic vaccines, since vaccines damage the kidneys. Chemotherapy damages the heart, liver and brain. Exposure to glyphosate herbicide and other agricultural chemicals damages all your organs. If you really want to save lives and help others, encourage them to read Natural News where they can learn how to avoid disease and protect the organs God gave them.

Also read MedicalViolence.com for more stories about the extreme violence carried out against human beings by the medical system.

Read Full Post »

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.

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No Fear: Big Tech Censors As They Aren’t Afraid of Us
The battle for free speech is on as Big Tech cracks down on conservatives on social media.

By Jenna Ellis

No Fear: Big Tech Censors As They Aren’t Afraid of Us


July 3, 2019

The battle for free speech on the internet is heating up and one thing is clear: Big Tech will bend to criticism from the left, but not the right.

The reason is simple. Silicon Valley does not fear any consequences from conservatives, who are instinctually prone to letting private companies do as they please.

Silicon Valley does not fear any consequences from conservatives, who are instinctually prone to letting private companies do as they please.

Meanwhile, because of the leftist inclinations of their own employees and their need to maintain a healthy relationship with their Democratic political protectors in Washington, the Big Tech companies are terrified of defying the activist left.

We are in the midst of an extensive crackdown on conservative speech by Facebook, Twitter, and Google’s YouTube. YouTube, for example is “demonetizing” and banning channels at an unprecedented rate, and in a complete reversal of its founding ethos, is also totally overhauling its policies to replace an emphasis on free speech with one on preventing “hateful content.”

The most immediate cause is direct pressure from left-wing activists who characterize their explicit efforts to deplatform the right as “journalism.” The YouTube policy changes, for instance, came in response to a coordinated media blitz over conservative comedian Steven Crowder making fun of Vox reporter Carlos Maza.

This network of activist-journalists works closely with groups like the Antifa gangsters who savagely beat Quillette editor Andy Ngo in Portland this weekend. After Ngo was attacked, some of these “journalists” mocked him and tried to justify his beating. Others, including Maza himself, have explicitly and publicly endorsed these violent tactics.

Yet, none of these leftist activists face censorship from Big Tech. In fact, the researcher who exposed their links to Antifa was himself banned from Twitter for doing so.
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Facebook (Official White House Photo)

But now there’s a new dynamic at work. The federal government has begun making the long-awaited opening moves toward the most significant government action ever aimed at Silicon Valley, and Big Tech is paying attention.

The latest wave of censorship, unfortunately, shows that when Big Tech companies are under pressure, their instinct is to veer further left.

The Federal Trade Commission is opening an antitrust investigation into Facebook, and the Justice Department’s Antitrust Division is about to do the same for Google, but that’s not the end of Big Tech’s woes. Somewhere between 12 and 20 state attorneys general are reportedly prepping their own coordinated investigations into Big Tech’s anti-competitive practices and possible violations of state consumer protection laws.

The latest wave of censorship, unfortunately, shows that when Big Tech companies are under pressure, their instinct is to veer further left.

Even with the U.S. Department of Justice and top state law enforcers opening investigations, Silicon Valley remains far more responsive to the threats of Democrats, who are signalling that their own House Judiciary Committee investigation will be framed as a push towards more censorship, not less.

Representative Frank Pallone (D – NJ), who will be among the most prominent Democrats at the upcoming hearings, has already issued a threatening tweet urging more aggressive social media moderation beyond the censorship of conservatives that is already underway.

The last time Facebook executives appeared before her Senate committee, Senator Mazie Hirono (D – HI) similarly made it clear that she thinks the problem with social media is too little censorship, not too much.

Unfortunately, that’s the message Big Tech is responding to, egged on by a liberal press eager to silence competing sources of information. The New York Times, for example, ran a Sunday cover story last month about how YouTube turned a young man into a neo-Nazi, ostensibly through no fault of his own, by allowing voices such as Jordan Peterson and Lauren Southern on its platform.

This was always the activist left’s plan. Shortly after the 2016 election, Media Matters for America leader David Brock produced a memo explicitly calling for pressure on social media companies to deplatform conservatives in hopes that this would prevent a repeat of Trump’s upset victory. Thanks to reporting from Breitbart News and an undercover investigation by Project Veritas, we now know that senior elements within Google share the same goal.
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Donald Trump MAGA Rally. The Epoch Times. Creative Commons. Flickr.

The Epoch Times. Creative Commons. Flickr.

The tide can still be turned, though. If the avalanche of antitrust investigations is not enough to convince Big Tech to clean up its act, then conservatives and elected Republicans will have to take an even stronger stand against biased censorship of the modern public square.

If the avalanche of antitrust investigations is not enough to convince Big Tech to clean up its act, then conservatives and elected Republicans will have to take an even stronger stand against biased censorship of the modern public square.

President Trump is setting the tone. He’s making it clear his administration will not sit on the sidelines with a summit on social media at the White House. “Twitter should let the banned Conservative Voices back onto their platform, without restriction. It’s called Freedom of Speech, remember. You are making a Giant Mistake!” the President tweeted in perhaps his strongest message to Big Tech yet.

We’re only at the end of the beginning, not the beginning of the end, in this fight to preserve free speech on the internet. A huge part of that fight will involve the antitrust enforcement that’s starting to take shape, but conservatives can’t rely solely on federal regulators.

Elected Republicans, conservative activists, and the public at large need to follow Donald Trump’s lead and become far more invested in this issue by advocating loudly against censorship and seeking change through grassroots action, lawsuits, and legislation.

Democrats are already out ahead of us, with their 2020 presidential contenders competing fiercely to lock in Silicon Valley campaign contributions.

If conservatives can’t convince the social media giants that we can create as much pressure as the left exerts, Big Tech will continue to dismiss our concerns. They must fear the consequences of their assault on free speech, or else we will have to accept limits on our liberties.

Jenna Ellis (@realJennaEllis) is a member of the Trump 2020 Advisory Board. She is a constitutional law attorney, radio host, and the author of The Legal Basis for a Moral Constitution

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chemicals in cosmetics are endocrine disruptors Sergei Bobylev/TASS via Getty Images

Cancer-causing toxins were just found in foundation and sparkly makeup — here are 11 chemicals that could lurk in your lipstick, lotion, and eye powder
Hilary Brueck

https://www.businessinsider.com/dangerous-chemicals-in-beauty-products-makeup-list-2019-6

Trace amounts of asbestos were recently found in eye shadow and concealer. The US beauty industry is barely regulated, and the US has not enacted new cosmetic regulations in over eight decades.
Some products may be safe, but many are untested. “Natural” labels mean little, and the products aren’t necessarily better for your health.
Here are the risky chemicals that could lurk in your products.
Visit Business Insider’s homepage for more stories.

Toxic makeup is nothing new: The ancient Greeks used heavy metals on their skin, and Egyptian queens wore black kohl eye makeup that was made with lead.

But last week, trace amounts of asbestos — a known cancer causer — were found in concealer as well as sparkly makeup marketed to kids at Claire’s, a reminder that toxic chemicals and compounds still lurk in beauty products. In March, Claire’s also voluntarily recalled some of its eye shadow and face powder after asbestos was found in those products as well.

The issue isn’t limited to cosmetics: The FDA recently warned about dangerous bacteria in a no-rinse cleansing foam used by hospital patients, alerted tattoo artists about ink contaminated with microorganisms, and found yeast in Young Living essential oils.

In part, these problems arise because US beauty products are largely unregulated.

“The law does not require cosmetic products and ingredients, other than color additives, to have FDA approval before they go on the market,” the US Food and Drug Administration (FDA) notes.

Some toxic ingredients (like asbestos) are inadvertently added during the manufacturing process, while product makers put others in purposefully to help with absorption, shine, shimmer, or a non-greasy feel. Studies suggest that chemicals from the products people put on their faces and bodies can show up later in urine. Certain compounds, especially when mixed together in the body, might up a person’s odds of developing cancer or mess with their reproductive ability.

But it’s nearly impossible for consumers to determine what’s in cosmetics even by reading the labels, since many compounds can be considered trade secrets and hide in the “parfum” or “fragrance” ingredients on a list.

Alec Batis, a former research chemist who once made hair dyes for the L’Oreal group, is an expert in the risks and benefits of chemicals used in beauty products.

Batis, who now works as a paid consultant for beauty companies and recently appeared in a documentary called “Toxic Beauty,” told Business Insider that people should be concerned about some chemicals in products like soap, shampoo, and perfume. But not every formulation is dangerous.

“It’s not about hating chemicals,” Batis said. “Let’s understand what this stuff really is.”

Here’s a look at 11 problematic ingredients that are near-universal bathroom vanity staples.

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mlasaimages/Shutterstock

Phthalates used to be almost ubiquitous in cosmetics, and they’re still in many fragrances today. Studies link the plasticizers to reproductive and development issues.
Phthalates used to be almost ubiquitous in cosmetics, and they’re still in many fragrances today. Studies link the plasticizers to reproductive and development issues.

Phthalates help make plastics durable and flexible. They’re used in raincoats, flooring, hair spray, nail polish, perfume, lotion, shampoo, aftershave, food packaging, and toys, among many other items.

When it comes to makeup, the FDA says on its website that diethylphthalate (DEP) is “the only phthalate still commonly used in cosmetics.”

At least one phthalate can cause cancer, according to the National Institutes of Health. There’s also evidence that the chemicals can also mess with reproduction and child development.

Batis said he’ll wear some fragrance when he goes out, but he washes it off before bed.

“We don’t know the long term effects, and we have to be smart about it,” he said.

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Parabens are also common in shampoo, shaving cream, moisturizers, and other makeup. Josep Suria / Shutterstock

Parabens are also common in shampoo, shaving cream, moisturizers, and other makeup.

The chemicals are meant to prevent mold and bacterial growth, but it’s not clear yet how they impact human health at low levels.

Many cosmetic makers have switched to “paraben-free” formulations, but Batis said that doesn’t mean they’re better.

“They switch to other [preservatives], for example, methylchloroisothiazolinone and its sister compounds,” he said. “And I’m thinking, ‘Wow. You’re switching to that, which is a known sensitizing allergen.'”

Frequent use of sensitizing allergens like methylchloroisothiazolinone can cause lesions and a scaly red rash in some people.

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Shutterstock

A chemical called 1,4 dioxane is not purposefully put in cosmetics, but it can show up as part of the makeup manufacturing process, and it is dangerous.

According to the FDA, 1,4 dioxane “is a potential human carcinogen.” It sometimes shows up in beauty products that contain detergents, foams, stabilizers or solvents.

The FDA recommends that manufacturers use a vacuum technique so that the cancer-linked byproduct can be avoided. Batis agrees.

“The manufacturing process should be standardized to vacuum,” he said. “There’s so many simple solves for some of these things.”

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Wang Zhao/AFP/Getty Images

Talc and asbestos are commonly found in makeup in trace amounts. Jiang Cheng is among hundreds of Chinese men sharing beauty tips online and cashing in on the booming male cosmetics industry.

Asbestos, a known cancer-causer, was found in makeup sold at Claire’s twice this year.

“It wasn’t surprising to me, because there’s no regulation,” Dr. Shruthi Mahalingaiah, a gynecologist at Boston Medical Center, said at the time.

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Coal tar dyes are sometimes in eyeshadow and hair color because they’re great at tinting. Vyacheslav Prokofyev\TASS via Getty Images

Coal tar dyes can irritate the skin, and in severe cases, make people go blind.

“There are no color additives approved by FDA for permanent dyeing or tinting of eyelashes and eyebrows,” the FDA says in its warning on eye cosmetic safety.

Most coal tar hair dyes today are made with petroleum, but they can still cause harm. The FDA suggests keeping hair dye away from your eyes, and says “do not dye your eyebrows or eyelashes.”

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Universal Images Group via Getty Images

Nail hardeners and nail polishes can include formaldehyde, and some hair-smoothing products release formaldehyde gas into the air when heated.
Nail hardeners and nail polishes can include formaldehyde, and some hair-smoothing products release formaldehyde gas into the air when heated.

The International Agency for Research on Cancer classifies formaldehyde as a human carcinogen.

For this reason, the Occupational Safety and Health Administration (OSHA) advises hair salons to make sure they have adequate ventilation and perhaps even give employees respirators.

“Beauty care companies are now making and selling products that they claim do not contain formaldehyde in the solution,” OSHA says on its website. “Choosing one of these products might eliminate the risk of formaldehyde exposure. Note that just because a product doesn’t list formaldehyde, formalin, or methylene glycol does not mean that it does not contain any other hazardous ingredients.”
Triclosan is another ingredient meant to prevent bacterial growth. It’s in some toothpastes, antibacterial soaps, and body washes.

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Noah Berger/Reuters

Triclosan is another ingredient meant to prevent bacterial growth. It’s in some toothpastes, antibacterial soaps, and body washes.

Scientists are still learning about triclosan, but some evidence suggests it can mess with our thyroid hormone, which regulates metabolism and helps humans grow and develop.

There are also some indications that triclosan might make bacteria more resistant to antibiotics, but more research is still needed.
Lead is sometimes found in trace amounts in lipstick, and it’s also in certain traditional eyeliners.
Lead is sometimes found in trace amounts in lipstick, and it’s also in certain traditional eyeliners. John Walton/PA Images via Getty Images

Traditional eyeliners such as kohl, kajal, al-kahal, surma, tiro, tozali, and kwalli contain “high levels of lead” and other heavy metals according to the FDA, and should not be used. Those products are typically not for sale in the US, but the FDA cautions that they “sometimes make their way into specialty markets in this country.”

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Kylie Aquino/Flickr

Lead is a neurotoxin that cause brain damage and subtly lower IQs.

“In children, there is no identified threshold or ‘safe’ blood lead level,” according to the US Centers for Disease Control (CDC).
PEG (polyethylene glycol) compounds are petroleum-based and used to make cosmetics absorb more quickly into the skin.
PEG (polyethylene glycol) compounds are petroleum-based and used to make cosmetics absorb more quickly into the skin.

“They enhance penetration,” Batis said.
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Shutterstock

If producers and consumers were to shift their expectations about what beauty products should do, he added, “then we can formulate really beautiful things that don’t have to absorb in 2 seconds flat and we don’t have to use certain chemicals in order to do that.”

Sulfates — harsh soaps that are common shampoo ingredients — have developed a bad reputation. But they’re not problematic for everyone.
Sulfates — harsh soaps that are common shampoo ingredients — have developed a bad reputation. But they’re not problematic for everyone.

Sulfates are a type of surfactant — essentially a super-powerful soap. That can be a problem if you want to keep color-treated hair looking good for a while.

“People pay a lot of money to stick those color molecules in the cortex,” Batis said. “So, after they leave the salon, I don’t want them using a sulfate shampoo because they’re going to wash that $400 out in 5 seconds.”

Sulfates are harsh and can make scalps dry. But Batis wouldn’t tell everyone to shy away from them.

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Victor Virgile/Gamma-Rapho via Getty Images

“Sulfate shampoos are good for fine, normal hair,” he said. “Cause it really rocks up the cuticle, and you get amazing volume.”
Butylated hydroxyanisole (BHA) and butylated hydroxytoluene (BHT) are preservatives often used in lipsticks and moisturizers.
Butylated hydroxyanisole (BHA) and butylated hydroxytoluene (BHT) are preservatives often used in lipsticks and moisturizers.

The US Department of Health and Human Services says BHA is “reasonably anticipated to be a human carcinogen,” given what it does to animals. BHT may be safer for people than BHA, but it’s hard to know for sure because very few studies have been done.

Both chemicals are often put on or in our mouths: In addition to being common lipstick additives, they’re used to keep processed foods like chips and vegetable oils from going rancid.

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In general, we know very little about what exactly is in cosmetics. AP

“Do we need products to last 20 years?” Batis asked.
In general, we know very little about what exactly is in cosmetics.
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The US law that regulates cosmetics — the Federal Food, Drug, and Cosmetic Act — hasn’t been changed since it was enacted in 1938. While Europe has banned over 1,300 chemicals from products sold there, the US forbids just 11. Congress wrote drafts of new cosmetic rules in 2011 and 2018, but so far nothing has been enacted.

Batis believes that the beauty industry needs more regulation and unbiased third-party testing.

In the absence of that, “it’s like a cat and mouse game,” he said. “Corporate is putting the pressure on marketers to increase sales, and marketers are putting the pressure on chemists to just come up with the next thing.”

Instead, he said he hopes to see the industry focus more on balancing safety and beauty concerns.

“It’s more than just what people should buy, what people shouldn’t buy,” Batis said. “It’s about respect for other human beings.”

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But avoiding chemicals altogether isn’t a good solution to the problem.

But avoiding chemicals altogether isn’t a good solution to the problem. Ragweed allergies are no joke.

Studies suggest that some manufactured chemicals are “sensitizing allergens,” meaning they can prompt people to develop new allergies to certain makeups, creams, or perfumes they use repeatedly over time.

But just because something is “all-natural” or plant-based doesn’t mean it’s better.

Natural labels don’t mean much in the first place, but more importantly, people react to all kinds of compounds — natural or not — in different ways. Take chamomile, for instance: some people are fatally allergic to the plant, which is a ragweed relative.

“Just be aware of certain things, because everyone’s different,” Batis said.

He believes no one is innocent in the beauty market: Companies could be more transparent about what’s in their products, regulators should insist on third-party testing, and consumers may need to manage their expectations about what beauty products can reasonably do.

“I don’t believe in the super duper crazy miracle,” Batis said. “I believe that there’s a great way to nourish the largest organ of your body.”

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Rajat Gupta, right, with his attorney Gary Naftalis, following his sentencing in 2012. Photo: Louis Lanzano/ Bloomberg
https://www.law.com/newyorklawjournal/2019/01/07/2nd-circuit-upholds-insider-trading-conviction-of-ex-goldman-sachs-director/
By Colby Hamilton | January 07, 2019 at 04:12 PM

For the second time in as many months the U.S. Court of Appeals for the Second Circuit has declined to reverse an insider trading secured by federal prosecutors before the circuit court’s ruling in United States v. Newman and the sequence of decisions it spawned.

On Monday, the panel, composed of Circuit Judges Amalya Kearse, Richard Wesley and Christopher Droney, denied former Goldman Sachs director Rajat Gupta’s second attempt to have his insider trading conviction overturned. The Second Circuit had previously in 2014 denied Gupta’s argument that the trial court erred in admitting some evidence, while excluding other evidence offered by the defense ahead of his 2012 conviction. He ultimately served 19 months in prison, and was released in 2016.

The current appeal came after U.S. District Judge Jed Rakoff of the Southern District of New York denied Gupta’s motion to vacate his conviction in the wake of the Second Circuit’s 2014 decision in Newman, which substantially narrowed the “personal benefit” requirements of an insider trading relationship. Gupta argued before Rakoff that the jury instructions in his case were legally invalid under Newman.

On appeal, the panel reviewed Gupta’s challenge based on a cause-and-prejudice standard. It agreed with Rakoff’s argument that nothing stopped Gupta from arguing that the jury instructions were faulty on direct appeal from his conviction, since they were made during trial.

The panel observed that its November 2018 decision in Whitman v. United States tracks closely with the dynamics of Gupta’s case, as jury instructions were objected to at trial but weren’t pursued on appeal. Other insider trading cases pursued the line on appeal before Newman, the panel noted, making the claims in Whitman—and therefore Gupta’s case—insufficient to show cause.

Defendants in other insider trading prosecutions were contending that juries should be given narrower definitions of the personal benefit needed to find culpable insider trading,” the panel wrote. “We conclude that [Gupta] presents no viable claim that the personal benefit challenge was unavailable to his counsel on appeal.”

While the panel, having found Gupta failing the cause standard, could arguably have ended its findings there, it proceeded to address the issue of prejudice, and, in doing so, waded directly back in to the circuit’s muddied law on insider trading.

The panel first found that Gupta failed to show the personal benefit instructions were so flawed as to deny him due process, noting that the actual language provided to the jury in question spoke of “maintaining a good relationship with a frequent business partner.”

That last clause proved critical for the panel, who argued it squared with requirements under precedent, but not the Second Circuit’s most recent double take in United States v. Martoma, which is mentioned briefly later. Instead, the panel opted to return to the insider trading Ur-precedent from the Supreme Court’s 1983 decision in Dirks v. SEC.

The Dirks court set out a “varying sets of circumstances…which would warrant a finding of the tipper’s illegal purpose,” the panel noted. Despite the fact the specific language required by Newman for a tangible or pecuniary benefit was not present in Gupta’s jury instructions, the language was satisfactory under Dirks’ seemingly broader “circumstances.”

In fact, the panel’s acknowledgment that Dirks highlighting the ability for a quid pro quo relationship despite “the lack of need for proof of the tipper’s financial or tangible gain” appeared to potentially undercut a portion of the court’s holding in Newman, continuing the erosion that began with the Supreme Court’s findings in Salman v. United States and continued through the two versions of the Second Circuit’s Martoma decision.

The fact that Newman‘s requirement for proof of a tipper’s pecuniary or other tangible gain has been rejected by the Supreme Court disposes of Gupta’s contention that Newman meant the trial court’s instruction that proof of pecuniary or tangible benefit was not necessary caused him to be convicted of a crime for ‘conduct that is not criminal,’” the panel said, quoting from Gupta’s brief on appeal.

A spokesman for the U.S. Attorney’s Office for the Southern District of New York, which secured Gupta’s original conviction and handled the appeal, declined to comment.

Kramer Levin Naftalis & Frankel name attorney Gary Naftalis handled Gupta’s appeal. He did not respond to a request for comment.

Related:

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I had been doing so much better about keeping up with my blogs, until about this last week. I had not gotten back to posting as much as I had in the past, but was doing much better.

I have to admit though, every month, beginning the week before foreclosure hell (the day they auction the homes foreclosed upon), have been particularly hellish.

I guess for a while, no one I know was being foreclosed upon. But beginning last month, my friends began being sold at auction again. It had been a whole year until just these last couple of months. Then all of the sudden, properties that the banks had lost interest in, out of the blue, and with little or no warning, were sold at auction.

We all managed to stop two of the sales, those two were cancelled, but last month, one was lost to foreclosure, and it took a lot of work to get cancelled, the two that were cancelled.

So, even though there may not be the number of foreclosures every month that there had been for a long time, looks like the banks have managed to get lined up, these companies, that will purchase damn near any house at auction. These companies that want to turn around and rent you your house they just purchased at foreclosure.

I told everyone, back in 2008-2009 when Goldman Sachs’ sorry ass said that “only the rich should own houses, everyone else should be renters”, that this is what could be expected. Yes, it took another 8 years for it to happen to this scale, but it is here, and it won’t be going away, till they get every one of our homes.

I have watched foreclosure sales every month since around 2006, and all the properties that were fought for, and the banks, just kind of fizzled away without a lot of fuss, homes that they realized would be close to impossible to get the foreclosed upon owner to leave, now that they can work it out to where these rent home companies, are the ones that has to get rid of the previous owners of the properties.

The banks see this as minor housekeeping, which they don’t mind at all.

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Posts where the scientists want to act like they’ve had their heads in the sand, makes me want to puke! The scientists and biologists know damned well what is killing the seabirds! The same thing that has killed almost everything living in the Pacific Ocean. Everyone wants to pretend that Fukushima didn’t happen. Well it did. No one wants to talk about the results, then they should put their blinders on and keep their traps shut.

Just in from AlertsUSA:

Dead seabirds continue to litter the beaches of Norther California, Oregon and Washington state. The massive die-off has been ongoing for the last two months, and biologists are still stumped as to the exact cause. “It tends to come in waves,” Dave Nuzum, a wildlife biologist with the Oregon Department of Fish and Wildlife, told The Oregonian. “Each time you get a significant weather event, you’re going to get a crush of birds.” Nuzum says dead birds are likely to continue washing ashore in the coming months. Die-offs in autumn and winter aren’t unheard of, but this season’s death toll is particularly high. The casualties have mostly been isolated to a single species, Cassin’s auklets — a small, chunky bird that dives in the frigid waters of the Pacific for food and builds burrowed nests in the mud and crevices of seaside cliffs. Because only auks have been found deceased in large numbers, biologists are confident the problem is not systemic and that the local food chain is relatively healthy. “We’re not seeing a widespread eco-disaster here,” Julia Parrish, Aquatic and Fishery Sciences professor at the University of Washington, told the Santa Rosa Press Democrat late last year. “We’re seeing a spike of (deaths in) one species that’s giving us clues, and the clues don’t suggest that the bottom is dropping out of the ecosystem.” Though unconfirmed, most biologists believe the mass die-off is simply a result of overpopulation. Cassin’s auklets had prodigious mating seasons the last couple of years, so the numbers of young, inexperienced birds competing for food is high. Combine large numbers of young birds not getting enough to eat with cold temperatures and rough seas, and it’s not necessarily surprising that so many are ending up dead or dying on the beaches of the Pacific Northwest.

The name of Hazard: Massive die-off
Species: Animal
Status: Confirmed

Posted:2015-01-08 04:42:21 [UTC]

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Freemason Warns of BioChem Attack on US City

Saturday, August 23, 2014 14:44
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(Before It’s News)

maxresdefault.jpg
(left, Bauman Nassiri, 61, tries to get his message out)

Normally, I avoid fear mongering. But
I do post credible warnings in hope of acting as a deterrent.  Nassiri Bahman is an Iranian
monarchist & filmmaker who claims to have received insider knowledge of 9-11, Bin Laden’s death, and now, a lethal attack on a US city. So far he has been ignored by US authorities and the “conspiracy” media. He believes the Iranian leadership belong to the Illuminati. By putting Muslim extremists in power, the Illuminati are deliberately fomenting a world war.   In other words, the Zionist-Islam conflict is just as phony as the US-Soviet Cold War.

“I have now received information from the same source, that the next big attack on U.S. soil will be chemical and biological, to be carried out soon.” 

Dear Mr. Makow,

I was introduced to your blog by a bright 13 yr. old boy called Scott, who has told me that you have savvy readers and followers.

I am an Iranian exile turned into an Iranian-American film maker, and I am also a 32nd degree Scottish Rite Freemason, but I can assure you that if there are Political Lodges in the U.S. , I have not been involved with them.

I released a feature film on 1/1/11 called  “The Golden Veil” which shows the conspiracy behind the Iranian revolution and the U.S. hostage crisis, foreshadowing what is happening today in the Middle East.

My latest interview with Rick Wiles of Trunews ( begins at 18.25 min) serves to expose The Illuminati as we call it, or “The Eagles” as they call themselves. By releasing such information I may have risked my life, but I have no fear, because the 30th degree taught me not to be afraid of death.

I urge your savvy readers to watch my Trunews interview first, and then read the following:

I have a reliable source of information. The identity of the source I shall never release, but my records and predictions speak for themselves.

IF ENOUGH AMERICANS KNOW THE TRUTH, IT MAY SERVE TO PREVENT HUNDREDS OF THOUSANDS OF DEATHS.

Few months before the 9/11 attack, I received reliable information that gave advanced warning of it.  I gave the information to the FBI in Palm Springs, CA., but they ignored it.  My lawyer based in Palm Desert holds a copy of my handwritten and dated letter to the FBI.

lightbox_cover1.jpg(left, This 2013 “Person of the Year” TIME Cover is the Illuminati’s way of saying very bad things are in store for Americans. See, Grim Obama TIME Cover a Warning?)

Few years later I received information from the same source, that Osama Bin Laden was sick, receiving medical treatment in a secret location in Iran.  I gave the information to the FBI and they told me that the Anti-Terrorism department in Los Angeles would be in touch with me,  but no one got in touch with me and I was ignored once again.

Soon after that, I received information that Bin Laden was dead and buried in a secret location along the Iran/Afghan border. This time I did not bother reporting it.

I have now received information from the same source, that the next big attack on U.S. soil will be chemical and biological, to be carried out soon.  I have reported the information to Deputy Chief Michael Downing, Counter Terrorism and Special Operations Bureau in the form of emails, but as of today he seems to be ignoring me for the third time – WHY ?  – I have even offered to drive for 3 hours to see him in Los Angeles and go through the details with him,  but there is no response.  I would like to ask your readers to save this writing for future reference, should such disaster occur.
WHY do important officials in charge ignore people such as me who want to help ?

My only answer to this question is :

These men are the Architects of Chaos,  these are the men who want such horrific events to take place.  They do not wish to prevent them.
A chemical or biological terrorist attack on U.S. soil, “provoked” by an attack on Syria,  would certainly provide the excuse to begin a large scale war against the Middle East with the ultimate goal of a complete invasion and massacring millions of inhabitants.

It is about time the American people realized that there are invisible hands within The United States who engineer these acts, to serve their agendas.   These men (The Eagles) meet once a month in a secret temple in Washington D.C., they have rituals very similar to Freemasons,  they are no more than a few hundred, and they rule our lives.

The Eagles are the world’s most powerful Bankers, Arms Manufacturers and Oil Barons, mainly controlled by the Brits.  Everything you have seen happening in the Middle East since 1979 has been planned and executed by these powerful men, and their Master Plan is what I have explained in my Trunews Interview – http://youtu.be/Izz8cISo5Ts  i.e. polarization and invasion.

Perhaps, if this statement is published on your blog, and I send them the link, it may serve to force them to talk to me and analyze the information I have received,  unless they wish for the attack to take place. If enough Americans become aware of this, hopefully it may prevent the biggest terrorist disaster in America’s history.

Only Christ can save us now.

Regards,  Bahman Nassiri
——————————————-
Bahman sent me this info on Freemasonry:

The way the Masonic order is designed, is absolutely BRILLIANT.
They initiate you and make you believe that you are a holy man doing charities and helping your Brethren.
They make you believe that the order is not political whatsoever.
They make you believe there are 33 degrees (all philosophical) , and nothing more.

The real truth is, Brethren reach the 33rd or 32nd degrees and have no clue what it’s all about.
The truth is, there’s a higher level.
The invisible eyes watching the brethren pick some whom they can trust, who are extremely wealthy, powerful and important, and are useful to them, and initiate them into the higher level, THAT IS THE ILLUMINATI , or to be more correct, THE EAGLES.

======

Golden Veil Compared to Argo
Mark Dankof Review Golden Veil
Mark Dankof Interview with Nassiri

Iran run by Illuminati?

 

 

 

 

http://www.henrymakow.com/young_iranian.html

From Jim Perloff –

Henry, here are a couple of related links:
One is this article on FEMA and other agencies preparing for a U.S. event: http://www.thesleuthjournal.com/fema-preparing-major-event-region-iii/
Another is this article: http://thecommonsenseshow.com/2013/08/26/syrias-reichstag-moment/  (first addresses Syria, then the possibility of an attack at home)
I hope that the information and predictions are inaccurate. However, one thing is certain–the US is beating the drums loudly for war against Syria. This when the dust isn’t even settled yet in Libya and Egypt, we’ve been at war in Afghanistan for 12 years, and fought a war in Iraq for nearly as long over weapons of mass destruction that did not even exist. Of course, I don’t know if the attack on the US is really coming or not.  However, it might not be a bad idea for concerned citizens, according to their own judgement, to send prudent email inquiries about it to legislators, law enforcement agencies and/or mainstream news reporters. It might make it harder to carry off the “false flag”–it would be hard for law enforcement personnel to claim that they knew nothing about the event, if records would show they had received numerous inquiries about it in advance.

Source: http://henrymakow.com/2014/08/Freemason Warns of BioChem Attack on US City .html

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Department of Justice
Office of Public Affairs
FOR IMMEDIATE RELEASE
Tuesday, November 19, 2013
Justice Department, Federal and State Partners Secure Record $13 Billion Global Settlement with JPMorgan for Misleading Investors About Securities Containing Toxic Mortgages
 

*CORRECTION: The release below previously stated that New York is receiving $613.8 million in this settlement, however, the number is $613.0 million. This correction notice was posted on Nov. 20, 2013.*

The Justice Department, along with federal and state partners, today announced a $13 billion settlement with JPMorgan – the largest settlement with a single entity in American history – to resolve federal and state civil claims arising out of the packaging, marketing, sale and issuance of residential mortgage-backed securities (RMBS) by JPMorgan, Bear Stearns and Washington Mutual prior to Jan. 1, 2009.  As part of the settlement, JPMorgan acknowledged it made serious misrepresentations to the public – including the investing public – about numerous RMBS transactions.  The resolution also requires JPMorgan to provide much needed relief to underwater homeowners and potential homebuyers, including those in distressed areas of the country.  The settlement does not absolve JPMorgan or its employees from facing any possible criminal charges.

This settlement is part of the ongoing efforts of President Obama’s Financial Fraud Enforcement Task Force’s RMBS Working Group. 

“Without a doubt, the conduct uncovered in this investigation helped sow the seeds of the mortgage meltdown,” said Attorney General Eric Holder.  “JPMorgan was not the only financial institution during this period to knowingly bundle toxic loans and sell them to unsuspecting investors, but that is no excuse for the firm’s behavior.  The size and scope of this resolution should send a clear signal that the Justice Department’s financial fraud investigations are far from over.  No firm, no matter how profitable, is above the law, and the passage of time is no shield from accountability.  I want to personally thank the RMBS Working Group for its tireless work not only in this case, but also in the investigations that remain ongoing.”

The settlement includes a statement of facts, in which JPMorgan acknowledges that it regularly represented to RMBS investors that the mortgage loans in various securities complied with underwriting guidelines.  Contrary to those representations, as the statement of facts explains, on a number of different occasions, JPMorgan employees knew that the loans in question did not comply with those guidelines and were not otherwise appropriate for securitization, but they allowed the loans to be securitized – and those securities to be sold – without disclosing this information to investors.  This conduct, along with similar conduct by other banks that bundled toxic loans into securities and misled investors who purchased those securities, contributed to the financial crisis.
                                    
“Through this $13 billion resolution, we are demanding accountability and requiring remediation from those who helped create a financial storm that devastated millions of Americans,” said Associate Attorney General Tony West.  “The conduct JPMorgan has acknowledged – packaging risky home loans into securities, then selling them without disclosing their low quality to investors – contributed to the wreckage of the financial crisis.  By requiring JPMorgan both to pay the largest FIRREA penalty in history and provide needed consumer relief to areas hardest hit by the financial crisis, we rectify some of that harm today.”

Of the record-breaking $13 billion resolution, $9 billion will be paid to settle federal and state civil claims by various entities related to RMBS.  Of that $9 billion, JPMorgan will pay $2 billion as a civil penalty to settle the Justice Department claims under the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA), $1.4 billion to settle federal and state securities claims by the National Credit Union Administration (NCUA), $515.4 million to settle federal and state securities claims by the Federal Deposit Insurance Corporation (FDIC), $4 billion to settle federal and state claims by the Federal Housing Finance Agency (FHFA), $298.9 million to settle claims by the State of California, $19.7 million to settle claims by the State of Delaware, $100 million to settle claims by the State of Illinois, $34.4 million to settle claims by the Commonwealth of Massachusetts, and $613 million to settle claims by the State of New York. 

JPMorgan will pay out the remaining $4 billion in the form of relief to aid consumers harmed by the unlawful conduct of JPMorgan, Bear Stearns and Washington Mutual.  That relief will take various forms, including principal forgiveness, loan modification, targeted originations and efforts to reduce blight.  An independent monitor will be appointed to determine whether JPMorgan is satisfying its obligations.  If JPMorgan fails to live up to its agreement by Dec. 31, 2017, it must pay liquidated damages in the amount of the shortfall to NeighborWorks America, a non-profit organization and leader in providing affordable housing and facilitating community development. 

The U.S. Attorney’s Offices for the Eastern District of California and Eastern District of Pennsylvania and the Justice Department’s Civil Division, along with the U.S. Attorney’s Office for the Northern District of Texas, conducted investigations into JPMorgan’s, Washington Mutual’s and Bear Stearns’ practices related to the sale and issuance of RMBS between 2005 and 2008.

“Today’s global settlement underscores the power of FIRREA and other civil enforcement tools for combatting financial fraud,” said Assistant Attorney General for the Civil Division Stuart F. Delery, co-chair of the RMBS Working Group.  “The Civil Division, working with the U.S. Attorney’s Offices and our state and agency partners, will continue to use every available resource to aggressively pursue those responsible for the financial crisis.”

“Abuses in the mortgage-backed securities industry helped turn a crisis in the housing market into an international financial crisis,” said U.S. Attorney for the Eastern District of California Benjamin Wagner.  “The impacts were staggering.  JPMorgan sold securities knowing that many of the loans backing those certificates were toxic.  Credit unions, banks and other investor victims across the country, including many in the Eastern District of California, continue to struggle with losses they suffered as a result.  In the Eastern District of California, we have worked hard to prosecute fraud in the mortgage industry.  We are equally committed to holding accountable those in the securities industry who profited through the sale of defective mortgages.”
                                
“Today’s settlement represents another significant step towards holding accountable those banks which exploited the residential mortgage-backed securities market and harmed numerous individuals and entities in the process,” said U.S. Attorney for the Eastern District of Pennsylvania Zane David Memeger.  “These banks packaged and sold toxic mortgage-backed securities, which violated the law and contributed to the financial crisis.  It is particularly important that JPMorgan, after assuming the significant assets of Washington Mutual Bank, is now also held responsible for the unscrupulous and deceptive conduct of Washington Mutual, one of the biggest players in the mortgage-backed securities market.”

This settlement resolves only civil claims arising out of the RMBS packaged, marketed, sold and issued by JPMorgan, Bear Stearns and Washington Mutual.  The agreement does not release individuals from civil charges, nor does it release JPMorgan or any individuals from potential criminal prosecution. In addition, as part of the settlement, JPMorgan has pledged to fully cooperate in investigations related to the conduct covered by the agreement.

To keep JPMorgan from seeking reimbursement from the federal government for any money it pays pursuant to this resolution, the Justice Department required language in the settlement agreement which prohibits JPMorgan from demanding indemnification from the FDIC, both in its capacity as a corporate entity and as the receiver for Washington Mutual.   

“The settlement announced today will provide a significant recovery for six FDIC receiverships.  It also fully protects the FDIC from indemnification claims out of this settlement,” said FDIC Chairman Martin J. Gruenberg.  “The FDIC will continue to pursue litigation where necessary in order to recover as much as possible for FDIC receiverships, money that is ultimately returned to the Deposit Insurance Fund, uninsured depositors and creditors of failed banks.”

“NCUA’s Board extends our thanks and appreciation to our attorneys and to the Department of Justice, who have worked closely together for more than three years to bring this matter to a successful resolution,” said NCUA Board Chairman Debbie Matz.  “The faulty mortgage-backed securities created and packaged by JPMorgan and other institutions created a crisis in the credit union industry, and we’re pleased a measure of accountability has been reached.”

“JPMorgan and the banks it bought securitized billions of dollars of defective mortgages,” said Acting FHFA Inspector General Michael P. Stephens.  “Investors, including Fannie Mae and Freddie Mac, suffered enormous losses by purchasing RMBS from JPMorgan, Washington Mutual and Bear Stearns not knowing about those defects.  Today’s settlement is a significant, but by no means final step by FHFA-OIG and its law enforcement partners to hold accountable those who committed  acts of fraud and deceit.  We are proud to have worked with the Department of Justice, the U.S. attorneys in Sacramento and Philadelphia and the New York and California state attorneys general; they have been great partners and we look forward to our continued work together.”

The attorneys general of New York, California, Delaware, Illinois and Massachusetts also conducted related investigations that were critical to bringing about this settlement.

“Since my first day in office, I have insisted that there must be accountability for the misconduct that led to the crash of the housing market and the collapse of the American economy,” said New York Attorney General Eric Schneiderman, Co-Chair of the RMBS Working Group.  “This historic deal, which will bring long overdue relief to homeowners around the country and across New York, is exactly what our working group was created to do.  We refused to allow systemic frauds that harmed so many New York homeowners and investors to simply be forgotten, and as a result we’ve won a major victory today in the fight to hold those who caused the financial crisis accountable.”

“JP Morgan Chase profited by giving California’s pension funds incomplete information about mortgage investments,” California Attorney General Kamala D. Harris said. “This settlement returns the money to California’s pension funds that JP Morgan wrongfully took from them.”

“Our financial system only works when everyone plays by the rules,” said Delaware Attorney General Beau Biden.  “Today, as a result of our coordinated investigations, we are holding accountable one of the financial institutions that, by breaking those rules, helped cause the economic crisis that brought our nation to its knees.  Even as the American people recover from this crisis, we will continue to seek accountability on their behalf.”

“We are still cleaning up the mess that Wall Street made with its reckless investment schemes and fraudulent conduct,” said Illinois Attorney General Lisa Madigan.  “Today’s settlement with JPMorgan will assist Illinois in recovering its losses from the dangerous and deceptive securities that put our economy on the path to destruction.”

“This is a historic settlement that will help us to hold accountable those investment banks that played a role in creating and exacerbating the housing crisis,” said Massachusetts Attorney General Martha Coakley.  “We appreciate the work of the Department of Justice and the other enforcement agencies in bringing about this resolution and look forward to continuing to work together in other securitization cases.”

The RMBS Working Group is a federal and state law enforcement effort focused on investigating fraud and abuse in the RMBS market that helped lead to the 2008 financial crisis.  The RMBS Working Group brings together more than 200 attorneys, investigators, analysts and staff from dozens of state and federal agencies including the Department of Justice, 10 U.S. attorney’s offices, the FBI, the Securities and Exchange Commission (SEC), the Department of Housing and Urban Development (HUD), HUD’s Office of Inspector General, the FHFA-OIG, the Office of the Special Inspector General for the Troubled Asset Relief Program, the Federal Reserve Board’s Office of Inspector General, the Recovery Accountability and Transparency Board, the Financial Crimes Enforcement Network, and more than 10 state attorneys general offices around the country.

The RMBS Working Group is led by five co-chairs: Assistant Attorney General for the Civil Division Stuart Delery, Acting Assistant Attorney General for the Criminal Division Mythili Raman, Co-Director of the SEC’s Division of Enforcement George Canellos, U.S. Attorney for the District of Colorado John Walsh and New York Attorney General Eric Schneiderman.

Learn more about the RMBS Working Group and the Financial Fraud Enforcement Task Force at: http://www.stopfraud.gov. 

Related Material:

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News by Region:

http://enenews.com/

Latest Headlines:

Radiation spikes at WIPP nuclear facility — Hits highest levels since initial hours of radioactive release in February — Document link removed from official website — Gov’t analyzing samples for “potential impact on human health”

Newspaper: Increasing worry on West Coast over Fukushima radiation; “Really concerned” about affect on wildlife and most importantly our health; ‘Big black hole’ where data should be — Professor: “We do not know full extent… we’re just watching the West Coast unfold” — Official: Important we sample for plume — Fish oil being tested

TV: New concerns at Fukushima; Radioactive material “spilling into ocean” from layer 80 feet deep, officials suspect — Jiji: Record high radiation levels at 18 locations between reactors and Pacific; Crisis far from under control (VIDEO)

Emergency research underway in Japan after birds found with perplexing deformities — “Something unusual occurring inside their bodies” — Never reported in 500,000 exams done before 3/11 — Now observed at every site across country, some over 1,000 km from Fukushima (PHOTO)

Birth defect deaths in West Coast state hit record levels during 2011 — Spiked 60% statewide, then returned to normal in 2012 — New gov’t document lists ‘Fukushima release along west coast of US’ as possible factor in birth defect cluster

WIPP Expert: “Very likely” multiple nuclear waste drums exploded, risk of more occurring; It was clearly something major… signs of fire at container holding over 500 billion Bq of Plutonium and Americium — Nuclear Engineer: “This is a huge dirty bomb” (VIDEO)

TV: 8 times more babies than usual born without brain near U.S. nuclear site; Much higher rate than anywhere else in country — “It’s scary the cause is such a mystery” — CNN: Experts speak out over failure of officials to conduct proper investigation — “The lamest excuse I’ve ever heard” (VIDEO)

NHK: Fukushima responsible for “largest-ever” amount of radioactive pollution… “We did something terrible” — Scientist: Nuclear fuel “still melting down… there’s melting happening in the cores” (VIDEO)

Farmers: Fukushima radiation causing mystery disease — Many animals have developed spots all over their bodies — What if this starts to afffect people? It must be examined — Gov’t can’t identify problem (PHOTO)

Nuclear Consultant: Fukushima reactors released about 3 times more radioactivity than Chernobyl — Japan crisis is unprecedented in size, complexity, and consequences — Yet disaster is not over and can become much worse — Very far from being stabilized

New model shows West Coast covered in Fukushima fallout a week after 3/11 — Asahi: Public is “anything but” safe outside of evacuation zone during a Fukushima-class disaster, radiation dose over 50 millisieverts in 7 days for people living ~100 miles away is possible (VIDEO)

“Hemisphere facing generations of radiologic contamination” from Fukushima — TV: It’s a major humanitarian crisis — NYT: “Nobody really knows” if 100s of tons of plutonium & uranium fuel resolidified — Experts: It’s certain reactor cores ‘moved around’; “Flowed to different part of buildings”? (VIDEO)

Fukushima Guide: “Lots of people suddenly started having nose bleeds, cats and dogs too, it lasted for some time” after 3/11 — Article: Many who volunteered in Fukushima have died, including 2 students from group of 15 helping to decontaminate

Nuclear Expert: Hydrogen explosion suspected as cause of WIPP plutonium release — Meeting: Are more lids going to blow? Seeing how top of drum blew off has me concerned it isn’t ‘low level’ — Former DOE Expert: US will inevitably shift to storing radioactive waste on surface after this (VIDEO)

TV: Trouble reported with inner ‘ice wall’ at Fukushima; Highly radioactive water underground won’t freeze — Tepco: “We can’t make temperature low enough” after trying for months; Fluctuating water levels beneath Unit 2 blamed — Expert: Ground can liquify around reactors, form sinkholes (VIDEO)

S. California fishermen ‘skunked… haven’t seen a squid’, usually 10,000+ lbs/day — ‘Complete crashes’ at oyster hatcheries — Sardines, mackerel missing in areas — Pelican sites alarmingly deserted — Record # of sick sea lions — Ultra-rare whales appear after decades — Mammals, birds, fish in odd places

4 quakes above M5.0 jolt Japan’s east coast — Officials say “no immediate risk” to Fukushima plant — Intensity level reached 4 out of 7 in Fukushima — Study: ‘Megaquakes’ frequent in Japan history; Evidence of monstrous tsunami several times higher than 3/11 wave (VIDEO)

Navy sailor suing over Fukushima exposure dies from rare cancer near heart — TV: Navy lieutenant retires, says he’s unable to use leg muscles due to Fukushima radiation and confined to wheelchair — Both in mid-30s (VIDEOS)

TV: “The largest disease outbreak that we know of ever in the oceans” now hitting West Coast — Potential for “global extinction” — “Affects over 20 species… causing catastrophic mortality” — Expert: One of history’s largest wildlife die-offs… signal in ecosystem that something’s not right (VIDEO)

Japan Paper: “Horses became weak and died, one by one, from an unknown cause” at farm in Fukushima — Farmer: “There is something seriously wrong going on… This country is going mad, I‘m sure something grave is going to happen” — 14 out of 15 newborn horses died last year (PHOTOS)

Officials: Leakage seen on “many” nuclear waste drums in WIPP underground — We think the seals have degraded — Public “should be concerned” about another explosion — 1,000s of radioactive drums now seen as too risky to move (VIDEO)

Official’s 3/11 Notebook: Concern half of Japan to be “covered in nuclear waste!… Those 60 and older should be prepared to die” at Fukushima plant — “Fire out of control” at Reactor No. 4

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After I read some posts on others’ blogs, I really do feel much better. Wanna know which ones I read? Here they are:

“NO ENDORSEMENT, NO NEGOTIATION–NO NEGOTIATION, NO SECURITIZATION” On Liberty Road Media: http://libertyroadmedia.wordpress.com/2014/06/20/no-endorsement-no-negotiation-no-negotiation-no-securitization/

and I read this and it helped too!:

Ineptocracy from here:
http://tomfernandez28.com/2014/06/20/ineptocracy-3/

Of course this Helped a lot!:

http://www.newser.com/story/188674/miss-usa-doesnt-know-her-state-capital.html
but I actually read that here:
https://wordpress.com/

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Officials: Leakage seen on “many” nuclear waste drums in WIPP underground — We think the seals have degraded — Public “should be concerned” about another explosion — 1,000s of radioactive drums now seen as too risky to move (VIDEO)

 
http://enenews.com/officials-leakage-seen-on-many-nuclear-waste-drums-in-wipp-underground-we-think-the-seals-have-degraded-public-should-be-concerned-
about-another-explosion-1000s-of-radioactive-drums
Published: June 13th, 2014 at 11:30 pm ET 
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AP, June 11, 2014 (emphasis added): Scientists investigating a mysterious radiation leak at the federal government’s underground nuclear waste dump have identified five other potentially explosive containers of waste from Los Alamos National Laboratory that are being stored at a site in West Texas, New Mexico Environment Secretary Ryan Flynn told a legislative panel Tuesday. […] Asked if the public should be worried, Flynn said: “Every member of the community should be concerned. … But I don’t think they should be worried. I don’t think people should be panicked about another drum exploding because we required (the U.S. Department of Energy) to plan for that and have a system in place to protect the public.” […] The Department of Energy has dozens of the world’s finest scientists trying to identifying what type of reaction could have caused the leak, Flynn said after the hearing. But he estimated it would be months before a definitive cause is determined. Until then, Flynn said, it is hard to speculate on what if any action can be taken to finish getting the last of thousands of barrels of decades-old waste off the Los Alamos campus in northern New Mexico. […] given the uncertainty of what caused the radiation leak, transporting the waste now is seen as too risky. Flynn said it also remains unclear how long the Waste Isolation Pilot Plant will be closed or how long it will take the [WIPP] plant to seal off the rooms where more than 350 other barrels of suspect waste from Los Alamos are currently stored.

Northern New Mexico Citizens’ Advisory Board, May 21, 2014 (at 57:00 in):

  • Question: Have you all identified if it’s one drum, 20 drums, three drums? I’ve been hearing one drum a lot…
  • Dana Bryson, Deputy Manager for the Dept. of Energy’s Carlsbad Field Office (CBFO manages DOE’s WIPP program): Well, we have one drum, that is pretty clear. We have other possibilities — and if you look at the pictures… you’ll see weepage on many containers in the heat-affected area. What we’re postulating is that the seals have basically degraded. So those could be potential sources from that aspect as well.
  • Question: And could the denigration of any one particular drum have impacts on other adjacent drums?
  • Bryson: Absolutely.

Watch Bryson’s presentation here

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It never ceases to amaze me.  With all these numerous govt. programs that are supposed to be helping Homeowners/Borrowers stay in their homes, I have to wonder just who the hell it is that they are allegedly helping.  A case in Colorado, that I have become aware of, the 83 year old woman is most likely going to be on the streets next week.  And guess who is putting her out of her home.?.  Freddie Mac.

For some stupid reason, I was under the impression that Fannie Mae, Freddie Mac, and others, along with all these billions of dollars from the robo-signing settlements, and the numerous entities alleging to be aiding those being foreclosed upon, and not one of them does a damned thing that I can see.  The propaganda they feed to everyone in the media, might sound good…You know that the housing market has picked up, foreclosures are down, new home buyers are up.?.  Yea right.  Somebody forgot to tell our neighborhood.  The vacant houses are still vacant.  Houses that should sale for $90,000, sell for $36,000.

But hey, the housing market has recovered.  RRRRiiiiiiiiiiiiggggggggggghhhhhhhhhhhhhtttttttttttttttt!!!  In your dreams.

Unless and until the someone steps in, slaps these foreclosure mill attorneys around, you know, the ones that make up the fictional documents in the County’s Land Records, throw their asses in jail for the forgery, fraud, perjury, that they are so used to committing,  they ain’t ever gonna stop.  

Has anyone other than myself noticed that the foreclosure mill attorneys, and other attorneys who on a regular basis have been foreclosing on Borrowers/Homeowner and manufacturing documents to use to foreclose with; sign the Assignments, Deeds Under Power, and lie to the Courts; an have been doing it so long now, yes, they have been breaking the law for so long now in foreclosure cases, it has spilled over to other types of cases.  No matter what kind of case it is, there are certain attorneys, who continue breaking the law as if they were working a foreclosure case.  And the worst part, is the judges let them.  WTF?  It is bad.  They are violating the RICO, committing fraud, forgery, theft, perjury, and God only knows what else.

Now you have the full swat teams going to evictions.  If the cops don’t like the way things are going, they just kill the homeowner.  It has gotten way out of hand.   Looks like if you fight the banks and win, you either go to jail, or die.

Be safe yall!

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NBC stations reveal nuclear workers suffering severe brain damage, dementia — Toxic waste raining down from sky, wore baseball caps for protection — Brains being eaten away, teeth falling out — Workers raising safety issues framed using false evidence, fired — Gov’t not allowed in to investigate (VIDEO)

 
http://enenews.com/nbc-stations-reveal-nuclear-workers-suffering-severe-brain-damage-dementia-toxic-waste-raining-down-from-sky-wore-baseball-caps-for-protection-brains-being-eaten-away-workers-raising-safety?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+ENENews+%28Energy+News%29
Published: June 6th, 2014 at 5:30 pm ET 
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NBC Right Now, Apr. 30, 2014: Former Hanford Worker Sick from Nuclear Waste

  • Jane Sander, reporter: A nuclear waste spill happened hours before at the tank farm.
  • Lonnie Poteet, Hanford worker: I was already burning from my glove line to my t-shirt line and… starting to lose a little bit of vision in my right eye… Why didn’t they say something?
  • Sander: Poteet describes living his life now as recluse… sharp pains in his head, they cause him to often twitch. He says medication prevents him from collapsing in pain due to severe nerve damage in his brain.
  • Poteet: [More Hanford workers] are going to be exposed to the same situation… Nobody is going to do anything to stop it… As long as there’s profit… and they get their bonuses on a decent time, that’s all they care about… Most of the workers onsite right now are running scared. They will not bring up any safety concerns because as soon as you do, you’re going to be labeled and thrown off the site, just as fast as they can go. They’ll either create stuff that never happened, or they’ll find ways to get you.
  • Watch the broadcast here

NBC Right Now, June 5, 2014: Sick Former Hanford Worker Speaks Out

  • Jane Sander, reporter: He sadly lives his life with a deadly disease…
  • Lawrence Rouse, Hanford worker:  I have toxic encephalopathy… it eats your brain away.

  1. Sander: Near the end of his almost 20 years at Hanford… he began to develop severe symptoms. Stuttering, memory loss, losing teeth…emotionally unstable…violent outbursts.
  1. Rouse: [My son] wrote this letter, this little poem, and said that his dad is gone… It would rain the chemicals on you from the stack. That’s why we wore the baseball caps.
  2. Sander: The Washington Dept. of Labor and DOE denied [compensation]… Since the [EEOICPA] program began in 2001, they’ve paid more than $1 billion in compensation and medical bills to [6,936 Hanford] workers…
  3. Rouse: DOE has always denied everything. And that’s not going to change.
  4. Sander: More Hanford workers continue to file claims for their illnesses.
  5. Watch the broadcast here
  6. KING 5 Seattle (NBC), June 4, 2014: It’s an unprecedented series of workplace accidents in the state. Since mid-March the number Hanford workers seeking medical help after breathing in chemical vapors has risen to 34.
  7. Susannah Frame, reporter: Vapors causing serious illnesses at Hanford is not new… at the most contaminated workplace in the nation, OSHA can’t get past the gates to investigate.
  8. Diana Gegg, Hanford worker: It’s turned my life upside down.
  9. Frame: Brain damage, sudden tremors, vision loss, dementia – Illnesses the gov’t admits were caused by exposure… she can’t go out without a wheelchair, cook, or drive.
  10. Watch the broadcast here
  11.  
    Published: June 6th, 2014 at 5:30 pm ET 
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Judge rules secret FBI national security letters unconstitutional

fbiwarantless12z.jpg

Feb. 10, 2009: The main headquarters of the FBI, the J. Edgar Hoover Building, in Washington, DC.AP

A federal judge has struck down a set of laws allowing the FBI to issue so-called national security letters to banks, phone companies and other businesses demanding customer information.

U.S. District Judge Susan Illston said the laws violate the First Amendment and the separation of powers principles and ordered the government to stop issuing the secretive letters or enforcing their gag orders, The Wall Street Journal reported.

The FBI almost always bars recipients of the letters from disclosing to anyone — including customers — that they have even received the demands, Illston said in the ruling released Friday.

The government has failed to show that the letters and the blanket non-disclosure policy “serve the compelling need of national security,” and the gag order creates “too large a danger that speech is being unnecessarily restricted,” the San Francisco-based Illston wrote.

A Department of Justice spokesman told the Journal the department was “reviewing the order.”

FBI counter-terrorism agents began issuing the letters, which don’t require a judge’s approval, after Congress passed the USA Patriot Act in the wake of the Sept. 11, 2001, attacks.

The case arises from a lawsuit that lawyers with the Electronic Frontier Foundation filed in 2011 on behalf of an unnamed telecommunications company that received an FBI demand for customer information.

“We are very pleased that the court recognized the fatal constitutional shortcomings of the NSL statute,” EFF lawyer Matt Zimmerman said. “The government’s gags have truncated the public debate on these controversial surveillance tools. Our client looks forward to the day when it can publicly discuss its experience.”

Illston wrote that she was also troubled by the limited powers judges have to lift the gag orders.

Judges can eliminate the gag order only if they have “no reason to believe that disclosure may endanger the national security of the United States, interfere with a criminal counter-terrorism, or counterintelligence investigation, interfere with diplomatic relations, or endanger the life or physical safety of any person.”

That provision also violated the Constitution because it blocks meaningful judicial review.

Illston ordered the FBI to cease issuing the letters, but put her order on hold for 90 days so the U.S. Department of Justice can appeal to the 9th U.S. Circuit Court of Appeals.

Illston isn’t the first federal judge to find the letters troubling. The 2nd U.S. Circuit Court of Appeals in New York also found the gag order unconstitutional, but allowed the FBI to continue issuing them if it made changes to its system such as notifying recipients they can ask federal judges to review the letters.

Illston ruled Friday that it’s up to Congress, and not the courts, to tinker with the letters.

In 2007, the Justice Department’s inspector general found widespread violations in the FBI’s use of the letters, including demands without proper authorization and information obtained in non-emergency circumstances. The FBI has tightened oversight of the system.

The FBI made 16,511 national security letter requests for information regarding 7,201 people in 2011, the latest data available. The FBI uses the letters to collect unlimited kinds of sensitive, private information like financial and phone records.

The Associated Press contributed to this report.

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25 April, 09:05
 

Hollywood producer claims Boston bombing was a “false flag attack”

Hollywood producer claims Boston bombing was a "false flag attack"

Thanks to:      http://voiceofrussia.com/2014_04_25/The-Boston-bombing-was-a-false-flag-attack-Nathan-Folks-7658/
 
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Crisis actors, smoke bombs, fake blood and literal “smoke and mirrors” were all part of what was the false flag terrorist attack called the Boston Marathon Bombing. To anyone who saw the pictures and footage of fake blood, make- up artists and smiling “victims”. It was obvious that something was not right. For those involved in filmmaking and in the know the discrepancies were obvious. We spoke to famous Hollywood filmmaker, producer and director Nathan Folks about why he is certain the Boston Marathon Bombing was a false flag terrorist attack.

Hello, this is John Robles. I’m speaking with Mr. Nathan Folks, he is a well known US based film and TV director and producer. He is also one of the organizers of the Worldwide Wave of Action and a truth seeker. This is part one of a longer interview.

PART 2

Robles: Hello Sir.

Folks: Hi, how are you?

Robles: I’m very well. How are you?

Folks: Very good.

Robles: That’s nice to hear especially after everything you have been through. Now your story is going way-back. It started with the Boston Bombing. If you can tell our listeners a little bit about what you know about that “event” and what has happened to you since.

Folks: Back in 2013 I was watching the events unfold and as a producer, you can pinpoint very specific things that didn’t seem right. And I started to realize that we are watching yet another false flag event unfold. And as I started putting the pieces together I realized that we are up against an environment that is trying to create a fear factor in the media. And the fear factor is to keep us scared and to keep us in fear as long as they can.

And the events that I know to be true, including the “Boston hero” who was a person in my last film, “The prosecution of an American president” and his wife, I started to recognize that this was not an event that was at all 100% true.

Robles: What about this Boston hero? What role did he play?

Folks: He is actually a father that had lost a son in the Iraq War and he was part of our film and a part of the movement, you know, of exposing the truth about Iraq and talking about the things that the Bush Administration did during those years of his administration.

And I was blown away at the fact that he was essentially being used to act in this fake environment, this hyper-reality scene of a terrorism that never happened.

Robles: Now, can you tell us three things here if you could. You used the term “Hyper-Reality” what is that and how is it used? And what is a “Crisis Actor”? Many people may still not know what that is. And if you could, detail for the listeners, some of the things that you saw as far as screens being put up as for the false stages being set up where things were filmed and stuff?

Folks: I will start up by saying that if there was an injury or a death in the event that unfolded my heart goes out to those families. But from the people that I know that were involved, from the people that were in the scenes that we call Hyper-Reality Filmmaking, which is a very common thing you do in the military.

It’s where filmmakers, or people, create a hyper-reality scene so that the military can be well-adjusted to a real scene in Iraq or any other kind of war zone.

This is where these people are actually able to see and feel and help what they think is a real injured person whereas it is really just an amputee that is playing as a crisis actor, and (in this case) a crisis actor being someone that had lost their limbs but a makeup artist has been able to re-enact a bloody scene with “no leg blown off” and this hyper reality scene, so that when we are now on the ground, they actually see and feel like they are in a war zone.

And I’m watching this unfold on the streets of Boston and thinking, one: how were they able to get away with that? And two: watching the edits and the supposedly live television broadcasting we were seeing, it wasn’t “live” at all, it was edited.

Robles: How you know? What did you see? What were the clues you saw?

Folks: Well, there were a lot of things. In live footage you don’t see cuts. You know, cutting from one scene to another and in live footage you don’t have, especially now, this wasn’t in 2013 HD technology, this was in old technology from 2002, because it is grainer and you can’t see the edits as well.

As a filmmaker that what I would do if I was trying to reenact something like that and…

Robles: I’m sorry. Can you be more specific? I didn’t quite follow that. So it was made using old technology?

Folks: It’s using an older technology that is grainer. So you can’t see the very true HD quality and you are watching… If you look back at any old footage from early 2000 or even the 1990s, it is very grainy and when you are watching it on a new technology television with latest plasma and HD and any kind of new technology you can see that it was edited.

Robles: So television stations at that time, they were using modern technology?

Folks: They were definitely using modern technology last year. It’s just when you see pictures from 2013 that were in HD and then you look at clips and cuts of the footage from television, it is very obvious that it was used on purpose.

Robles: Can you tell us a little bit about some of the scenes. I’m sure a lot of people who were interested in what really happened, they saw some of the pictures, for example: the amputee with sticks, apparently sticking out of his legs or something, and blood that looked like paint, I mean, I have seen blood, I worked in a hospital, I know what blood looks like, it’s dark, it’s brownish red and this was this bright red paint. Can you tell us about that?

Folks: I think even more of an obvious situation is that: you get your legs blown off you are not going to be out in front of millions of people celebrating Boston at a hockey game or any type of arena. I think the emotional impact of losing your legs would probably keep you out of the public eye for at least a year. And that was the biggest obvious example to me, but as far as anyone that has been in the paramedics or nursing would know, that if you blow your legs off, you are not supposed to moved.

If someone’s falls here on Wilshire, just falls down, they tell you not to move, they are not supposed to move them. They could have broken a bone or a neck; their spine could be dislocated. You don’t move them and you certainly don’t put them in a wheelchair and run them down the road.

And it is just taking this to a whole different comical level that the fact that they think we all buy this, and that we are all going to sit here and watch it happen over and over again, you know, they have another thing coming. That’s why I joined forces with the Worldwide Wave of Action because you know; the truth has to come out. And people are not going to sit here and watch them make a mockery of ourselves.

Everybody around the world knows Boston Bombing was a joke; everyone in the US has been fed lies and lies after lies and it started in 9-11 and it hasn’t stopped.

Robles: Can you tell us… you sent me some pictures of these screens that you could actually see the road like “moving up”, it was like a mirror or something. Can you tell us about those?

Folks: You mean as far as the 3D… the Green Screen that they used at the Boston Bombing?

Robles: Yeah, can you detail all that?

Folks: From what I understand, they… it looks to me like they used a second street in order to re-enact the scene, over and over, to get it right and by using Green Screen they were able to show the buildings that were actually on Boylston Street and when you use a Green Screen it is a lot like Titanic. In the movie Titanic in 1997 we are watching the film and we are watching this boat sink and we are watching the water fill into the boat and we see people falling off the boat. That is obviously not happening in real life, we are watching it on Green Screen. They are putting a digital layer behind the screen of real action people. And we are watching a boat sink in the background and that is what they did in this example.

They just did it on television. We are watching green screen on television to re-enact a street scene that happened for real, but just a smoke bomb but when they re-enacted the people that were hurt they had to add the blood and the amputees and to put one the makeup.

You can see the person putting makeup on these people the entire scene; I call her “The Woman in Pink”. She has literally got a makeup bag and she is going to each victim, she is not helping them! She is putting make up on them!

So I’m sorry, I’m not fooled and I’m not going to let everyone else be fooled. Someone has to speak out against it. And they can follow me, they can do whatever they want but at the end of the day the truth has to come out some time. They can’t get away with it anymore.

Robles: Now please tell us, you have been persecuted, you have been through hell, I can’t think of any other way to put it. If I can tell our listeners: you contacted me right after it happened and after that a lot of terrible things started happening to you. Can you tell us some of those things?

Folks: Well, obviously, you can’t prove anything because I was very sick. I have never been sick in my life, I have never been in the hospital, but in the days after this event and weeks after this event and me talking about it, I was in the hospital for a total of 22 days over the course of three months.

And they really couldn’t determine what it was and I couldn’t hold water, I couldn’t hold food, it was some type of poison.

I can’t say for sure that I was poisoned by someone but I can say that I had some type of poison that nearly killed me.

And it took me good 3 to 6 months to kind of rehabilitate and get back on my feet and I figured if they are trying to scare me off or they are trying to keep me down from speaking: then it was a good try but it didn’t work.

Robles: Could you tell us what has happened to some other people? There was one guy, he wrote an article, you said, questioning the reality of the Boston Bombing Marathon. And you told me about some other people who had gotten sick as well.

Folks: Yeah, there is a gentlemen that runs a website called “Natural News” and he was coming out with very similar examples that I was during that time. And just now finding out that they wrote an article about how he has gotten sick from the food, he talks about. And they took his article down and re-wrote it in the third person.

And I don’t know if he is even able to speak, but I do know that after finding some of these examples of people that were coming out at same time that I was, that they were sick and poisoned as well, makes me realize that something is going on.

Robles: When you were in the hospital you also told me some other people close to you… (Can you talk about that?) that there were some other people you knew that got sick.

Folks: Yeah, I don’t think I can go into any detail but there were several other people that had gotten sick, and that seems to be part of this coming out. Anyone that has come out about this, got sick or disappeared.

Robles: How many people have disappeared, since then?

Folks: Well, I can say that everybody that reacted to this Boston bombing, the millions and millions of people that came out on the websites, came out about the scene and about the situation, essentially were silenced because there wasn’t a word about it this year. And that just gives me more of a comforting notion that it has been silenced for someone who has gone out and done something to the people that did come out about it…

Robles: You said that Internet before we started, you said that your Internet shut down in the US, it is on lockdown or something…

Folks: I mean strange things like in one day I have a Verizon Wireless Internet and in one day over 200 GB was taken from my service, ran up 35 hundred dollar bill in a 24-hour period. And then when you contact Verizon saying that it is obviously not something that I did, they ignore me and say that I have to pay if I want my service back on. So not many people want to just pay $3,500 for no reason.

Obviously, I never turned my Internet back on. I have been working on different types of Internet on different phones but it was designed to create a situation that I would shutdown. It was a warning probably of some sort. It was so that I would stop speaking about things that I’m knowledgeable about.

Robles: You gave me a good example about Boston False Flag, if someone who did a search on Google. Can you tell us about this false bomb?

Folks: Yeah, it is just that nobody is speaking about the Boston bombing. There is nobody speaking about false flags. And in this country our web searches seem to be completely deleted. You know, during that time I downloaded everything I knew and everything I saw and I have it on hard drive and the fact that all of that is now gone and I have them on hard drive.

Robles: Everything is gone?

Folks: Somebody is trying to take it away, make it disappear. It was very bad; whoever was in charge of the Boston Bombing Campaign did a very lousy job. They need to consult with some real Hollywood producers if they are going to do anything like that again and maybe make sure that they don’t fool the nation in their process because this is absurd.

Robles: They are not very creative in doing the same thing again and again and again.

Folks: They keep getting away with it, they are getting used to be able to get with it and they are getting sloppy and eventually and as this Worldwide Wave of Action is able to expose the truth more and more, I think we are going to stop this evil that is now taking over the US and is trying to keep people in fear and using fear mongering techniques on our media.

CNN and FOX and all these media sources are not telling the truth anymore. They are more interested in talking more about artists like Justin Bieber and Lindsay Lohan going to jail than potential war in Crimea.

I mean, this is, don’t even get me starting on that because I think we all know who is behind the taunting of that situation.

So it is just becoming obvious and even though people are not speaking about it because they are scared off or because they are scared to make a name and come out and talk about it.

This is our time to re-live the 60s, this is my generation’s time to stand up and say “No more!”

And we are not going to sit here and be poisoned and be lied to and listen to this “essentially crap” that they are feeding us in our media, this is not going to happen anymore. We have to stand up and make a change.

Surveillance vans parked outside of Folks’ home.

This is John Robles, you were listening to an interview with Nathan Folks, he is a well-known US film and TV director and producer. He is also the organizer of the Worldwide Wave of Action. You can find the rest of this interview on our website voiceofrussia.com. Thank you very much for listening!

That was the end of part one.

PART 2
Read more: 
http://voiceofrussia.com/2014_04_25/The-Boston-bombing-was-a-false-flag-attack-Nathan-Folks-7658/

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Exclusive: NY Judge in Largest Bankruptcy Case in History Receives IRS & SEC Whistleblower Filing

24 APRIL 2014 63 COMMENTS

**WORLD EXCLUSIVE BREAKING STORY.** **MUST CREDIT INVESTIGATIVE JOURNALIST MARINKA PESCHMANN**

Creditor and Whistleblower evidence alleges securities fraud, income tax fraud and income tax evasion. Further investigation is necessary to protect millions of homeowners.

If you have not read this story, it is a must read!!!

Read it here:

http://www.marinkapeschmann.com/2014/04/24/exclusive-ny-judge-in-largest-bankruptcy-case-in-history-receives-irs-sec-whistleblower-filing/

 

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FHFA Settles With BofA for $5.83 Billion Over Countrywide Legacy Loans

http://nationalmortgageprofessional.com/news47937/FHFA-Settles-With-BofA-%245.83-Billion-Over-Countrywide-Legacy-Loans?utm_source=MadMimi&utm_medium=email&utm_content=NMP+Daily%3A+FHFA+Settles+With+BofA+for+%245_83+Billion+Over+Countrywide+Legacy+Loans+and+More+___&utm_campaign=20140327_m119753830_NMP+Daily%3A+FHFA+Settles+With+BofA+for+%245_83+Billion+Over+Countrywide+Legacy+Loans+and+More+___&utm_term=FHFA+Settles+With+BofA+for+_245_83+Billion+Over+Countrywide+Legacy+Loans

FHFA_Logo_04_13_12

The Federal Housing Finance Agency (FHFA) has announced it has reached a settlement in cases involving Bank of America, Countrywide Financial, Merrill Lynch, and certain named individuals totaling approximately $5.83 billion. Bank of America Corporation owns Countrywide and Merrill Lynch. The cases alleged violations of federal and state securities laws in connection with private-label, residential mortgage-backed securities (PLS) purchased by Fannie Mae and Freddie Mac between 2005 and 2007. Allegations of common law fraud were made in the Countrywide and Merrill Lynch cases.

The Agreement provides for an aggregate payment of approximately $9.33 billion by Bank of America that includes the litigation resolution as well as a purchase of securities by Bank of America from Fannie Mae and Freddie Mac.

“FHFA has acted under its statutory mandate to recover losses incurred by the companies and American taxpayers and has concluded that this resolution represents a reasonable and prudent settlement of these cases,” said FHFA Director Melvin L. Watt. “This settlement also represents an important step in helping restore stability to our broader mortgage market and moving to bring back the role of private firms in providing mortgage credit. Many potential homeowners will benefit from increasing certainty in the marketplace and that is very much the direction we should be taking.”

Of the 18 PLS suits filed in 2011, FHFA now has claims remaining in seven suits against various institutions and remains committed to satisfactory resolution of these pending actions.

The settlement agreement regarding private label securities claims between FHFA and Bank of America involves the following cases: Federal Housing Finance Agency v. Bank of America Corp., et al., No. 11 Civ. 6195 (DLC) (S.D.N.Y.); Federal Housing Finance Agency v. Countrywide Financial Corp., et al., No. 12 Civ. 1059 (MRP) (C.D. Cal.); Federal Housing Finance Agency v. Merrill Lynch & Co., Inc., et al., No. 11 Civ. 6202 (DLC) (S.D.N.Y.); as well as one Merrill Lynch security in Federal Housing Finance Agency v. First Horizon National Corp., No. 11 Civ. 6193 (DLC) (S.D.N.Y.).

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Inside Source: Gov’t officials are withholding Fukushima radiation data — Levels much higher than expected — Releasing numbers would “have a huge impact” — Over 2,000 millisieverts per year where residents are being encouraged to return

 
Published: March 25th, 2014 at 2:49 pm ET 
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Mainichi, Mar. 25, 2014: A Cabinet Office team has delayed the release of radiation measurements from three Fukushima Prefecture municipalities, and plans to release them later with lower, recalculated results, the Mainichi learned on March 24. […] According to one source, the original measurements were higher than expected, prompting the Cabinet Office team […] to hold the results back over worries they would discourage residents from returning. The Mainichi has acquired documents drawn up in November last year detailing the radiation measurements and intended for release. The documents, however, were never made public. According to this and other sources, the measurements were taken in September last year in the city of Tamura’s Miyakoji district, the village of Kawauchi and the village of Iitate […] According to an inside source, the Cabinet Office team had noticed that measurements taken with older dosimeters distributed by Fukushima Prefecture municipalities to residents showed radiation measurements much lower than those recorded by aerial surveys. The Cabinet Office team had planned to release the latest measurements […] putting special emphasis on how low the figures were. The new results, however, were significantly higher than expected, with the largest gap coming in Kawauchi. There, the Cabinet Office team had predicted radiation doses of 1-2 millisieverts per day, but the data showed doses at between 2.6 and 6.6 millisieverts. Cabinet Office team members apparently said that the numbers would “have a huge impact” […] and release of the results was put off. At the request of the Cabinet Office team, the JAEA and NIRS then recalculated the results by ditching the assumption that people would be outside eight hours a day […] Under these new assumptions, a farmer was now expected to spend around six hours a day outdoors.

Atsuo Tamura, official on the Cabinet Office team: “We did not hold the results back because they were too high. We did so because it was necessary to look into whether the assumptions for residents’ lifestyle patterns matched reality.”

Shinzo Kimura, associate professor of radiation and hygiene at Dokkyo Medical University: “The assumption of eight hours a day outside, 16 hours inside is commonly used, and it is strange to change it. I can’t see it as anything but them fiddling with the numbers to make them come out as they wanted.”

See also: Asahi: ‘Mind-boggling’ cesium levels far from Fukushima plant — Japan Times: “Health ministry in denial” — Interview: “They force us to forget everything”; Gov’t radiation levels “complete fiction”; “Mass media is biggest criminal… worse than Tepco”

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POLICY: LAW

http://washingtonexaminer.com/a-whistleblowers-worst-nightmare/article/2546069 

A whistleblower’s worst nightmare 

BY DIANE DIMOND | MARCH 21, 2014 AT 2:52 PM 

TOPICS: 2007 HOUSING CRISIS WHISTLEBLOWERS LAW 

Photo – Sadly, there is not enough space here to tell you the entire 7-year saga of whistleblower Michael Winston, but the bottom line is this: He got royally screwed by the California judicial system.

Sadly, there is not enough space here to tell you the entire 7-year saga of whistleblower Michael…

Justice is supposed to be blind. But what happens when it turns out to be blind, deaf and dumb?

Sadly, there is not enough space here to tell you the entire 7-year saga of whistleblower Michael Winston, but the bottom line is this: He got royally screwed by the California judicial system.

Winston, 62, is a mild-mannered Ph.D. and a veteran leadership executive who has held top jobs at elite corporations such as McDonnell Douglas, Motorola and Merrill Lynch. After taking time off to nurse his ailing parents, Winston was recruited by Countrywide Financial to help polish their corporate Image. He was quickly promoted — twice — and had a team of 200 employees.

It’s almost unheard of for a top-tier executive turning whistleblower, but that’s what Winston became after he noticed many of his staff were sickened by noxious air in their Simi Valley, California, office. When the company failed to fix the problem, Winston picked up the phone and called Cal-OSHA to investigate. Retaliation was immediate. Winston’s budget was cut and most of his staff was reassigned.

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Several months later, Winston says he refused Countrywide’s request to travel to New York and, basically, lie to the credit ratings agency Moody’s about corporate structure and practices. That was the death knell for Winston’s stellar 30-year-long career.

When Countrywide was bought out by Bank of America in 2008 — following Countrywide’s widely reported lead role in the sub-prime mortgage fiasco that caused the collapse of the U.S. housing market — Winston was out of a job.

In early 2011, after a month-long trial, a jury overwhelmingly found that Winston had been wrongfully terminated and awarded him nearly $4 million. Lawyers for Bank of America (which had assumed all Countrywide liabilities) immediately asked the judge to overturn the verdict. Judge Bert Gennon Jr. denied the request saying, “There was a great deal of evidence that was provided to the jury in making their decision, and they went about it very carefully.” Winston and his lawyer maintain they won despite repeated and egregious perjury by the opposition.

Winston never saw a dime of his award, and nearly two years later, B of A appealed. In February 2013, the Court of Appeal issued a stunning reversal of the verdict. The court declared Winston had failed to make his case.

“This never happens … this isn’t legal,” Cliff Palefsky, a top employment lawyer in San Francisco told me during a phone conversation. “The appeals court is not supposed to go back and cherry-pick through the evidence the way this court did. And if there is any doubt about a case, they are legally bound to uphold the jury’s verdict.”

None of the legal eagles I spoke to could explain why the Court of Appeal would do such an apparently radical thing.

The Government Accountability Project, a whistleblower protection group in D.C., has been watching the Winston case closely. Senior Counsel Richard Condit says he believes the appeal judge wrongly “nullified” the jury’s determination.

“This case is vitally important,” Condit told me on the phone. “Seeing what happened to Winston, who will ever want to come forward and reveal what they know about corporate wrongdoings?” GAP and various legal academicians are trying to figure out a way to get Winston’s case before the U.S. Supreme Court.

There have been whispers about the possible malpractice of Winston’s trial lawyer failing to file crucial documents that might have satisfied the appeal court’s questions. His appellate lawyer didn’t even tell him when the appeals court was hearing the case and Winston was out of town. The LA District Attorney and the Sheriff’s Department refused to follow up on evidence that Countrywide witnesses, including founder Angelo Mozilo, had blatantly committed perjury on the stand. Some court watchers speak of the, “unholy alliance” between big corporations and the justice system in California.

Winston, who says he spent $600,000 on legal fees, further depleted his savings by appealing to the California Supreme Court. That court refused to hear his case.

During one of our many hours-long phone conversations, Winston told me, “So, here I sit,” the whistleblower. The good guy loses. And the bad guys, officials at the corporation that cheated and lied and nearly caused the collapse of the U.S. economy — win.”

There’s a lot of talk out of Washington these days about “economic equality.” But seven years have passed since the housing crisis and the feds have not prosecuted one key executive from any of the financial giants that helped fuel the economic crash. Too big to fail — and too big to jail, I guess.

Bank of America has spent upward of $50 billion in legal fees, litigation costs and fines cleaning up the Countrywide mess. Their latest projections indicate they’ll spend billions more before it’s over. To my mind, a stiff prison sentence for the top dogs who orchestrated the original mortgage schemes would go much further than agreeing that they pay hefty fines. That’s no deterrent to others since they all have lots of money.

A recent email I got from Michael Winston, a proud man who has been unemployed for four years, said: “I have just received (a) court order mandating that I pay to Bank of America over $100,000.00 for their court costs. This will be in all ways — financial, emotional, physical and spiritual — painful.”

If a top-tier executive can’t prevail blowing the whistle on a corrupt company, if the feds fail to pursue prison terms, and if a jury’s verdict can be over-turned without the opportunity to appeal — what kind of signal does that send to the dishonest?

You know the answer. We’re telling them it is OK to put profit above everything else. We’re telling them to continue their illegal behaviors because there will be no prison time for them. At worst, they may only have to part with a slice of their ill-gotten gains.

This is not the way the justice system is supposed to work.

 

DIANE DIMOND, a Washington Examiner columnist, is nationally syndicated by Creators Syndicate.

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JPMorgan Chase Bets $10.4 Billion on the Early Death of Workers

Monday, March 24, 2014 11:07

(Before It’s News)

Families of young JPMorgan Chase workers who have experienced tragic deaths over the past four months, have been kept in the dark on many details, including the fact that the bank most likely held a life insurance policy on their loved one – payable to itself. Banks in the U.S., as well as other corporations, are allowed to make multi-billion dollar wagers that their profits from life insurance policies on employees will outstrip the cost of paying premiums and other fees. Early deaths help those wagers pay off.

According to the December 31, 2013 financial filing known as the Call Report that JPMorgan made with Federal regulators, it has tied up $10.4 billion in illiquid, long term bets on the death of a large segment of its employees.

The program is known among regulators as Bank Owned Life Insurance or BOLI. Federal regulators specifically exempted BOLI in passing the final version of the Volcker Rule in December of last year which disallowed most proprietary trading or betting for the house. Regulators stated in the rule that “Rather, these accounts permit the banking entity to effectively hedge and cover costs of providing benefits to employees through insurance policies related to key employees.” We have italicized the word “key” because regulators know very well from financial filings that the country’s mega banks are not just insuring key employees but a broad-base of their employees.

Read more

Source: http://rinf.com/alt-news/breaking-news/jpmorgan-chase-bets-10-4-billion-early-death-workers/

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You Have No Idea How Bad It Is,’ Says Ex-Spook On Destruction Of US

Friday, March 21, 2014 23:52
 http://beforeitsnews.com/alternative/2014/03/you-have-no-idea-how-bad-it-is-says-ex-spook-on-destruction-of-us-2923606.html

(Before It’s News)

Nazi America

Examiner.Com

Anthony Martin

On Wednesday it was reported that America’s enemies within, mainly those who are part of the “progressive movement,” are very close to their ultimate goal of the complete demise of the Republic has envisioned by the Constitution and the Bill of Rights. Today there is even more disturbing news.

An “ex-spook” as they are known, in other words a retired member of the CIA, stated concerning the effort to destroy the U.S., “You have no idea how bad it is.” The enemies of freedom and the Constitution within the country, he said, have now succeeded in putting most of their goals in place. “Think of how far they have come since 2008,” he continued, “Most Americans don’t even recognize their own country anymore. They feel like foreigners in their own land.”

“If we continue down the present path,” he concluded, “Our liberties will be dust in the wind by 2016. These people are organized, relentless, persistent, and dangerous. And they have been at it since the early 1900s.”

The former agent did not wish to be more specific about what he knows due to the fact that if he did so, it would be easy enough to figure out his identity based upon the in-depth knowledge he has of certain facts.

These “enemies within” are generally known as progressives, although the term has fallen in and out of vogue based upon changing perceptions of the public. Progressives are known under a variety of names. Liberals, collectivists, statists, Marxists, neo-Marxists, socialists, and “democratic consensus builders” are some of the more common terms that people who stand for freedom and liberty have used to describe progressives. But it all boils down to the same thing. In order for them to achieve their self-described utopia, human freedom and liberty must be severely restricted and controlled, and the power of the centralized government must be greatly strengthened.

Read More Here

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Hearsay on Hearsay: Bank Professional Witnesses Using Business Records Exception as Shield from Truth

by Neil Garfield

Wells Fargo Manual “Blueprint for Fraud”

Well that didn’t take long. Like the revelations concerning Urban Lending Solutions and Bank of America, it is becoming increasingly apparent that the the intermediary banks were hell bent for foreclosure regardless of what was best for the investors or the borrowers. This included, fraud, fabrication, unauthorized documents and signatures, perjury and outright theft of money and identities. I understand the agreement between the Bush administration and the large banks. And I understand the reason why the Obama administration continued to honor the agreements reached between the Bush administration and the large banks. They didn’t have a clue. And they were relying on Wall Street to report on its own behavior. But I’m sure the agreement did not even contemplate the actual crimes committed. I think it is time for US attorneys and the Atty. Gen. of each state to revisit the issue of prosecution of the major Wall Street banks.

With the passage of time we have all had an opportunity to examine the theory of “too big to fail.” As applied, this theory has prevented prosecutions for criminal acts. But more importantly it is allowing and promoting those crimes to be covered up and new crimes to be committed in and out of the court system. A quick review of the current strategy utilized in foreclosure reveals that nearly all foreclosures are based on false assumptions, no facts,  and a blind desire for expediency that  sacrifices access to the courts and due process. The losers are the pension funds that mistakenly invested into this scheme and the borrowers who were used as pawns in a gargantuan Ponzi scheme that literally exceeded all the money in the world.

Let’s look at one of the fundamental strategies of the banks. Remember that the investment banks were merely intermediaries who were supposedly functioning as broker-dealers. As in any securities transaction, the investor places in order and is responsible for payment to the broker-dealer. The broker-dealer tenders payment to the seller. The seller either issues the securities (if it is an issuer) or delivers the securities. The bank takes the money from the investors and doesn’t deliver it to an issuer or seller, but instead uses the money for its own purposes, this is not merely breach of contract —  it is fraud.

And that is exactly what the investors, insurers, government guarantors and other parties have alleged in dozens of lawsuits and hundreds of claims. Large banks have avoided judgment based on these allegations by settling the cases and claims for hundreds of billions of dollars because that is only a fraction of the money they diverted from investors and continue to divert. This continued  diversion is accomplished, among other ways, through the process of foreclosure. I would argue that the lawsuits filed by government-sponsored entities are evidence of an administrative finding of fact that closes the burden of proof to be shifted to the cloud of participants who assert that they are part of a scheme of securitization when in fact they were part of a Ponzi scheme.

This cloud of participants is managed in part by LPS in Jacksonville. If you are really looking for the source of documentation and the choice of plaintiff or forecloser, this would be a good place to start. You will notice that in both judicial and non-judicial settings, there is a single party designated as the apparent creditor. But where the homeowner is proactive and brings suit against multiple entities each of whom have made a claim relating to the alleged loan, the banks stick with presenting a single witness who is “familiar with the business records.” That phrase has been specifically rejected in most jurisdictions as proving the personal knowledge necessary for a finding that the witness is competent to testify or to authenticate documents that will be introduced in evidence. Those records are hearsay and they lack the legal foundation for introduction and acceptance into evidence in the record.

So even where the lawsuit is initiated by “the cloud” and even where they allege that the plaintiff is the servicer and even where they allege that the plaintiff is a trust, the witness presented at trial is a professional witness hired by the servicer. Except for very recent cases, lawyers for the homeowner have ignored the issue of whether the professional witness is truly competent,  and especially why the court should even be listening to a professional witness from the servicer when it is hearing nothing from the creditor. The business records which are proffered to the court as being complete are nothing of the sort. There documents prepared for trial which is specifically excluded from evidence under the hearsay rule and an exception to the business records exception.

Lately Chase has been dancing around these issues by first asserting that it is the owner of a loan by virtue of the merger with Washington Mutual. As the case progresses Chase admits that it is a servicer. Later they often state that the investor is Fannie Mae. This is an interesting assertion which depends upon complete ignorance by opposing counsel for the homeowner and the same ignorance on the part of the judge. Fannie Mae is not and never has been a lender. It is a guarantor, whose liability arises after the loss has been completely established following the foreclosure sale and liquidation to a third-party. It is also a master trustee for securitized trusts. To say that Fannie Mae is the owner of the alleged loan is an admission that the originator never loaned any money and that therefore the note and mortgage are invalid. It is also intentional obfuscation of the rights of the investors and trusts.

The multiple positions of Chase is representative of most other cases regardless of the name used for the identification of the alleged plaintiff, who probably doesn’t even know the action exists. That is why I suggested some years ago that a challenge to the right to represent the alleged plaintiff would be both appropriate and desirable. The usual answer is that the attorney represents all interested parties. This cannot be true because there is an obvious conflict of interest between the servicer, the trust, the guarantor, the trustee, and the broker-dealer that so far has never been named. Lawsuits filed by trust beneficiaries, guarantors, FDIC and insurers demonstrate this conflict of interest with great clarity.

I wonder if you should point out that if Chase was the Servicer, how could they not know who they were paying? As Servicer their role was to collect payments and send them to the creditor. If the witness or nonexistent verifier was truly familiar with the records, the account would show a debit to the account for payment to Fannie Mae or the securitized trust that was the actual source of funds for either the origination or acquisition of loans. And why would they not have shown that?  The reason is that no such payment was made. If any payment was made it was to the investors in the trust that lies behind the Fannie Mae curtain.

And if the “investor” had in fact received loss sharing payment from the FDIC, insurance or other sources how would the witness have known about that? Of course they don’t know because they have nothing to do with observing the accounts of the actual creditor. And while I agree that only actual payments as opposed to hypothetical payments should be taken into account when computing the principal balance and applicable interest on the loan, the existence of terms and conditions that might allow or require those hypothetical payments are sufficient to guarantee the right to discovery as to whether or not they were paid or if the right to payment has already accrued.

I think the argument about personal knowledge of the witness can be strengthened. The witness is an employee of Chase — not WAMU and not Fannie Mae. The PAA is completely silent about  the loans. Most of the loans were subjected to securitization anyway so WAMU couldn’t have “owned” them at any point in the false trail of securitization. If Chase is alleging that Fannie Mae in the “investor” then you have a second reason to say that both the servicing rights and the right to payment of principal, interest or monthly payments in doubt as to the intermediary banks in the cloud. So her testimony was hearsay on hearsay without any recognizable exception. She didn’t say she was custodian of records for anyone. She didn’t say how she had personal knowledge of Chase records, and she made no effort to even suggest she had any personal knowledge of the records of Fannie and WAMU — which is exactly the point of your lawsuit or defense.
 

If the Defendant/Appellee’s argument were to be accepted, any one of several defendants could deny allegations made against all the defendants individually just by producing a professional witness who would submit self-serving sworn affidavits from only one of the defendants. The result would thus benefit some of the “represented parties” at the expense of others.

Their position is absurd and the court should not be used and abused in furtherance of what is at best a shady history of the loan. The homeowner challenges them to give her the accurate information concerning ownership and balance, failing which there was no basis for a claim of encumbrance against her property. The court, using improper reasoning and assumptions, essentially concludes that since someone was the “lender” the Plaintiff had no cause of action and could not prove her case even if she had a cause of action. If the trial court is affirmed, Pandora’s box will be opened using this pattern of court conduct and Judge rulings as precedent not only in foreclosure actions, disputes over all types of loans, but virtually all tort actions and most contract actions.

Specifically it will open up a new area of moral hazard that is already filled with debris, to wit: debt collectors will attempt to insert themselves in the collection of money that is actually due to an existing creditor who has not sold the debt to the collector. As long as the debt collector moves quickly, and the debtor is unsophisticated, the case with the debt collector will be settled at the expense of the actual creditor. This will lead to protracted litigation as to the authority of the debt collector and the liability of the debtor as well as the validity of any settlement.

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         Foreclosure filings were reported on 124,419 U.S. properties in January 2014, an 8 percent increase from December but still down 18 percent from January 2013.  Foreclosure filings were reported on 1,361,795 U.S. properties in 2013, down 26 percent from 2012 and down 53 percent from the peak of 2.9 million properties with foreclosure filings in 2010.  But still, 9.3 million U.S. residential properties were deeply underwater representing 19 percent of all properties with a mortgage in December 2013, down from 10.7 million homes underwater in September 2013.[1] 

            In 2006 there were 1,215,304 foreclosures, 545,000 foreclosure filings and 268,532 Home Repossessions.  By 2007 foreclosures had almost doubled – up to 2,203,295 with 1,260,000 foreclosure filings and 489,000 Home Repossessions.  2008 saw an even further increase to 3,019,482 foreclosures, 2,350,000 Foreclosure filings and 679,000 Home Repossessions.  In 20093,457,643 foreclosures, 2,920,000 foreclosure filings, and 945,000 Home Repossessions.  2010:  3,843,548 foreclosures, 3,500,000 foreclosure filings, and 1,125,000 Home Repossessions.  2011:  3,920,418 foreclosures, 3,580,000 foreclosure filings, and 1,147,000 Home Repossessions.  Then January to September 20121,616,427 foreclosures 1,382,000 foreclosure filings and 572,844 Repossessions.  The remainder of 2012 – September through December saw an additional 2,300,000 foreclosures, 2,100,000 foreclosure filings and 700,000 Repossessions.  In other words, from 2006 through 2012, there were a total of  21,576,117 foreclosures; 17,637,000 foreclosure filings; 5,926,376 Home Repossessions.  The foreclosures added to the repossessions is equal to:  27,502,493[2].  The numbers are staggering.

            Many of the homes have been wrongfully foreclosed upon, where either the party had not been in default, or the foreclosing party lacked standing to foreclose.  It has become almost as lawless as the wildwest, or comparable to a shark feeding frenzy.


[1] All of the foreclosure figures came from RealtyTrac:  http://www.realtytrac.com/content/foreclosure-market-report

[2] http://www.statisticbrain.com/home-foreclosure-statistics/                                                                 Statistic Verification  Source: RealtyTrac, Federal Reserve, Equifax

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Banks, Mortgage Companies Defrauded HUD, Veteran Whistleblower Says

FEB 5, 2014 1:30pm ET
 

A whistleblower with a track record of wresting large settlements from banks is suing 22 companies for allegedly filing fraudulent mortgage documents with the Department of Housing and Urban Development.

Lynn E. Szymoniak, famous for her 2011 “60 Minutes” interview on the robo-signing scandal, filed a lawsuit late Monday against the companies, including Deutsche Bank, Wells Fargo, JPMorgan Chase and Bank of America. The Palm Beach, Fla., plaintiff’s lawyer alleges the 22 banks, mortgage servicers, trustees, custodians and default management companies created fraudulent mortgage assignments and submitted tens of thousands of false claims to HUD.

The lawsuit is a stark reminder that banks still face massive litigation and potential settlements for wrongdoing from the mortgage boom and financial crisis. On Wednesday, JPMorgan Chase acknowledged that it violated the False Claims Act and agreed to pay $614 million to settle claimsthat it improperly approved Federal Housing Administration and Veterans Affairs loans that did not meet underwriting standards.

HUD oversees the FHA, which reimburses servicers for losses and fees when government-guaranteed loans go into foreclosure.

Banks can be held liable for treble damages under the False Claims Act if they are found to have “falsely certified” that mortgages met all FHA requirements. The act also gives whistleblowers the right to file suit on behalf of the government.

“It’s been very difficult to uncover how fraudulent documents were created and spread through the system,” says Reuben Guttman, Szymoniak’s attorney at the firm of Grant & Eisenhofer. “Lynn Szymoniak did the original analysis, looked at documents and put the pieces together in a way that nobody else did.”

The new lawsuit was filed in the U.S. District Court in South Carolina. Several of the defendants, including Deutsche Bank and Wells Fargo, said they are reviewing the lawsuit and could not immediately comment.

In 2012, Szymoniak helped the government recover $95 million from the top five mortgage servicers, as part of the $25 billion national mortgage settlement. She personally received $18 million for providing information on the filing of false claims on FHA loans.

The suit also seeks to recover damages and penalties on behalf of the federal government, 16 states, the District of Columbia and the cities of Chicago and New York for the financial harm incurred in the purchase of private-label mortgage-backed securities that allegedly used fraudulent documents in foreclosure filings since 2008.

As investors in mortgage bonds, the government and others paid fees and expenses for services such as reviewing all mortgage documents put into trusts that were supposed to be performed by trustees. The federal government bought mortgage-backed securities with missing or forged documents through several avenues, including the Federal Reserve’s direct purchases and Maiden Lane vehicles, and the Treasury Department’s purchases through public-private partnership investment funds, the suit states.

The complaint does not specify damages but Szymoniak says she expects them to total around $10 billion.

The fraudulent mortgage documents were created because the original loans documents either were never delivered to the securitization trusts, or they were lost or destroyed, the lawsuit states. Many of the documents were created years after the trusts’ closing dates and showed the trusts acquired the loans only after they were in default.

Servicers “devised and operated a scheme to replace the missing documents,” the lawsuit states, and to conceal the fact that the trusts and servicers never actually held the mortgage notes and assignments, which are needed to initiate a foreclosure.

Szymoniak was also instrumental in uncovering fraud and forged documents at DocX, a now-defunct subsidiary of Lender Processing Services. She worked with the Federal Bureau of Investigations and U.S. Attorney’s office in Jacksonville, Fla., that ultimately led to the conviction of an LPS executive, the closure of DocX, firm, and varioussettlements by LPS, which is now owned by Black Knight Financial Services.

 

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NEW LEGAL ISSUES COMING UP IN TRIAL AND APPELLATE COURTS

DECEMBER 16, 2013

With the release of the US Bank admissions per our post of November 6, 2013; the issuance of the opinions from the Supreme Courts of Oregon and Montana holding that MERS is not the “beneficiary”; and recent opinions from various jurisdictions which are now, finally, holding that securitization-related issues are relevant in a foreclosure, a host of new legal issues are about to be litigated in the trial and appellate courts throughout the country. It has taken six (6) years and coast-to-coast work to get courts to realize that securitization of a mortgage loan raises issues as to standing, real party in interest, and the alleged authority to foreclose, and that the simplistic mantra of the “banks” and servicers of “we have the note, thus we win” is no longer to be blindly accepted.

One issue which we and others are litigating relates to mortgage loans originated by Option One, which changed its name to Sand Canyon Corporation and thereafter ceased all mortgage loan operations. Pursuant to the sworn testimony of the former President of Sand Canyon, it stopped owning mortgage loans as of 2008. However, even after this cessation of any involvement with servicing or ownership of mortgage loans, we see “Assignments” from Option One or Sand Canyon to a securitization trustee bank or other third party long after 2008.

The United States District Court for the District of New Hampshire concluded, with the admission of the President of Sand Canyon, that the homeowner’s challenge to the foreclosure based on a 2011 alleged transfer from Sand Canyon to Wells Fargo was not an “attack on the assignment” which certain jurisdictions have precluded on the alleged basis that the borrower is not a party to the assignment, but is a situation where no assignment occurred because it could not have as a matter of admitted fact, as Sand Canyon could not assign something it did not have. The case is Drouin v. American Home Mortgage Servicing, Inc. and Wells Fargo, etc., No. 11-cv-596-JL.

The Option One/Sand Canyon situation is not unique: there are many originating “lenders” which allegedly “assigned” mortgages or Deeds of Trust long after they went out of business or filed for Bankruptcy, with no evidence of post-closing assignment authority or that the Bankruptcy court having jurisdiction over a bankrupt lender ever granted permission for the alleged transfer of the loan (which is an asset of the Bankruptcy estate) out of the estate. Such a transfer without proof of authority to do so implicates bankruptcy fraud (which is a serious crime punishable under United States criminal statutes), and fraud on the court in a foreclosure case where such an alleged assignment is relied upon by the foreclosing party.

As we stated in our post of November 6, the admission of US Bank that a borrower is a party to any MBS transaction and that the loan is governed by the trust documents means that the borrower is, in fact, a party to any assignment of that borrower’s loan, and should thus be permitted to seek discovery as to any alleged assignment and all issues related to the securitization of the loan. We have put this issue out in many of our cases, and will be arguing this position at both the trial and appellate levels beginning early 2014.

Jeff Barnes, Esq., http://www.ForeclosureDefenseNationwide.com

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I was reading some information about the financial crisis in this country (USA), and ran across a paper written by US District Court Judge Jed S. Rakoff.  If we had more Judges with the mind of this one, we would not be in nearly as bad a shape as we are in.  I have not yet figured out how the Judges justify allowing foreclosures, when they know for a fact that the Banks and their attorneys are creating fraudulent documents, committing perjury in their Courtrooms, and are breaking so many laws, that it has become the norm…  

Read what Honorable Judge Jed S. Rakoff says:  http://www.ft.com/cms/cb1e43f2-4be6-11e3-8203-00144feabdc0.pdf

11/12/13
Why Have No High Level Executives Been Prosecuted In Connection With The Financial Crisis?
by Jed S. Rakoff
(U.S. District Judge)

Five years have passed since the onset of what is sometimes called the Great Recession. While the economy has slowly improved, there are still millions of Americans leading lives of quiet desperation: without jobs, without resources, without hope.

Who was to blame? Was it simply a result of negligence, of the kind of inordinate risk-taking commonly called a “bubble,” of an imprudent but innocent failure to maintain adequate reserves for a rainy day? Or was it the result, at least in part, of fraudulent practices, of dubious mortgages portrayed as sound risks and packaged into ever-more-esoteric financial instruments, the fundamental weaknesses of which were intentionally obscured?

If it was the former – if the recession was due, at worst, to a lack of caution – then the criminal law has no role to play in the aftermath. For, in all but a few circumstances (not here relevant), the fierce and fiery weapon called criminal prosecution is directed at intentional misconduct, and nothing less. If the Great Recession was in no part the handiwork of intentionally fraudulent practices by high-level executives, then to prosecute such executives criminally would be “scapegoating” of the most shallow and despicable kind.

But if, by contrast, the Great Recession was in material part the product of intentional fraud, the failure to prosecute those responsible must be judged one of the more egregious failures of the criminal justice system in many years.Indeed, it would stand in striking contrast to the increased success that federal prosecutors have had over the past 50 years or so in bringing to justice even the highest level figures who orchestrated mammoth frauds. Thus, in the 1970’s, in the aftermath of the “junk bond” bubble that, in many ways, was a precursor of the more recent bubble in mortgage-backed securities, the progenitors of the fraud were all successfully prosecuted, right up to Michael Milken. Again, in the 1980’s, the so-called savings-and-loan crisis, which again had some eerie parallels to more recent events, resulted in the successful criminal prosecution of more than 800 individuals, right up to Charles Keating. And, again, the widespread accounting frauds of the 1990’s, most vividly represented by Enron and WorldCom, led directly to the successful prosecution of such previously respected C.E.O.’s as Jeffrey Skilling and Bernie Ebbers.

In striking contrast with these past prosecutions, not a single high level executive has been successfully prosecuted in  connection with the recent financial crisis, and given the fact that most of the relevant criminal provisions are governed by a five-year statute of limitations, it appears very likely that none will be. It may not be too soon, therefore, to ask why.

One possibility, already mentioned, is that no fraud was committed. This possibility should not be  discounted. Every case is different, and I, for one, have no opinion as to whether criminal fraud was committed in any given instance.

 But the stated opinion of those government entities asked to examine the financial crisis overall is not that no fraud was committed. Quite the contrary. For example, the Financial Crisis Inquiry Commission, in its final report, uses variants of the word “fraud” no fewer than 157 times in describing what led to the crisis, concluding that there was a “systemic breakdown,” not just in  accountability, but also in ethical behavior. As the Commission found, the signs of fraud were everywhere to be seen, with the number of reports of suspected mortgage fraud rising 20-fold between 1998 and 2005 and then doubling again in the next four years. As early as 2004, FBI Assistant Director Chris Swecker, was publicly warning of the “pervasive problem” of mortgage fraud, driven by the voracious demand for mortgagebacked securities. Similar warnings, many from within the financial community, were disregarded, not because they were  viewed as inaccurate, but because, as one high level banker put it, “A decision was made that ‘We’re going to have to hold our nose and start buying the product if we want to stay in business.’”

Without multiplying examples, the point is that, in the aftermath of the financial crisis, the prevailing view of many government officials (as well as others) was that the crisis was in material respects the product of intentional fraud. In a nutshell, the fraud, they argued, was a simple one. Subprime mortgages, i.e., mortgages of dubious creditworthiness, increasingly provided the sole collateral for highly-leveraged securities that were marketed as triple-A, i.e., of very low risk. How could this transformation of a sow’s ear into a silk purse be accomplished unless someone dissembled along the way?

While officials of the Department of Justice have been more circumspect in describing the roots of the financial crisis than have the various commissions of inquiry and other government agencies, I have seen nothing to indicate their disagreement with the widespread conclusion that fraud at every level permeated the bubble in mortgage-backed securities. Rather, their position has been to excuse their failure to prosecute high level individuals for fraud in connection with the financial crisis on one or more of three grounds:

First, they have argued that proving fraudulent intent on the part of the high level management of the banks and companies involved has proved difficult. It is undoubtedly true that the ranks of top management were several levels removed from those who were putting together the collateralized debt obligations and other securities offerings that were based on dubious mortgages; and the people generating the mortgages themselves were often at other companies and thus even further removed. And I want to stress again that I have no opinion as to whether any given top executive had knowledge of the dubious nature of the underlying mortgages, let alone fraudulent intent. But what I do find surprising is that the Department of Justice should view the proving of intent as so difficult in this context. Who, for example, were generating the so-called “suspicious activity” reports of mortgage fraud that, as mentioned, increased so hugely in the years leading up to the crisis? Why, the banks themselves. A top level banker, one might argue, confronted with increasing evidence from his own and other banks that mortgage fraud was increasing, might have inquired as to why his bank’s mortgage-based securities continued to receive triple-A ratings?  And if, despite these and other reports of suspicious activity, the executive failed to make such inquiries, might it be because he did not want to know what such inquiries would reveal?  

This, of course, is what is known in the law as “willful blindness” or “conscious disregard.” It is a well-established basis on which federal prosecutors have asked juries to infer intent, in cases involving complexities, such as accounting treatments, at least as esoteric as those involved in the events leading up to the financial crisis. And while some federal courts have occasionally expressed qualifications about the use of the willful blindness approach to prove intent, the Supreme Court has consistently approved it. As that Court stated most recently in Global-Tech Appliances, Inc. v. SEB S.A., 131 S.Ct. 2060, 2068 (2011), “The doctrine of willful blindness is well established in criminal law. Many criminal statutes require proof that a defendant acted knowingly or willfully, and courts applying the doctrine of willful blindness hold that defendants cannot escape the reach of these statutes by deliberately shielding themselves from clear evidence of critical facts that are strongly suggested by the circumstances.” Thus, the Department’s claim that proving intent in the financial crisis context is particularly difficult may strike some as doubtful.

Second, and even weaker, the Department of Justice has sometimes argued that, because the institutions to whom mortgagebacked securities were sold were themselves sophisticated investors, it might be difficult to prove reliance. Thus, in  defending the failure to prosecute high level executives for frauds arising from the sale of mortgage-backed securities, the then head of the Department of Justice’s Criminal Division, told PBS that “in a criminal case … I have to prove not only that you made a false statement but that you intended to commit a crime, and also that the other side of the transaction relied on what you were saying. And frankly, in many of the securitizations and the kinds of transactions we’re talking about, in reality you had very sophisticated counterparties on both sides. And so even though one side may have said something was dark blue when really we can say it was sky blue, the other side of the transaction, the other sophisticated party, wasn’t relying at all on the description of the color.”

Actually, given the fact that these securities were bought and sold at lightning speed, it is by no means obvious that even a sophisticated counterparty would have detected the problems with the arcane, convoluted mortgage-backed derivatives they were being asked to purchase. But there is a more fundamental problem with the above-quoted statement from the former head of the Criminal Division, which is that it totally misstates the law.  In actuality, in a criminal fraud case the Government is never required to prove reliance, ever. The reason, of course, is that would give a crooked seller a license to lie whenever he was  dealing with a sophisticated counterparty.  The law, however, says that society is harmed when a seller purposely lies about a material fact, even if the immediate purchaser does not rely on that particular fact, because such misrepresentations create problems for the market as a whole. And surely there never was a situation in which the sale of dubious mortgage-backed securities created more of a huge problem for the marketplace, and society as a whole, than in the recent financial crisis.

The third reason the Department has sometimes given for not bringing these prosecutions is that to do so would itself harm the economy. Thus, Attorney General Holder himself told Congress that “it does become difficult for us to prosecute them when we are hit with indications that if we do prosecute – if we do bring a criminal charge – it will have a negative impact on the national economy, perhaps even the world economy.” To a federal judge, who takes an oath to apply the law equally to rich and to poor, this excuse — sometimes labeled the “too big to jail” excuse – is disturbing, frankly, in what it says about the
Department’s apparent disregard for equality under the law.

In fairness, however, Mr. Holder was referring to the prosecution of financial institutions, rather than their
C.E.O.’s. But if we are talking about prosecuting individuals, the excuse becomes entirely irrelevant; for no one that I know of has ever contended that a big financial institution would collapse if one or more of its high level executives were prosecuted, as opposed to the institution itself.

Without multiplying examples further, my point is that the Department of Justice has never taken the position that all the top executives involved in the events leading up to the financial crisis were innocent, but rather has offered one or another excuse for not criminally prosecuting them – excuses that, on inspection, appear unconvincing. So, you might ask, what’s really going on here? I don’t claim to have any inside information about the real reasons why no such prosecutions have been brought, but I take the liberty of offering some speculations, for your consideration or amusement as the case may be.

At the outset, however, let me say that I totally discount the argument sometimes made that no such prosecutions have been brought because the top prosecutors were often people who previously represented the financial institutions in question and/or were people who expected to be representing such
institutions in the future: the so-called “revolving door.” In my experience, every federal prosecutor, at every level, is seeking to make a name for him-or-herself, and the best way to do that is by prosecuting some high level person. While companies that are indicted almost always settle, individual defendants whose careers are at stake will often go to trial. And if the Government wins such a trial, as it usually does, the prosecutor’s reputation is made.My point is that whatever small influence the “revolving door” may have in discouraging certain white-collar prosecutions is more than offset, at least in the case of prosecuting high-level individuals, by the career-making benefits such prosecutions confer on the successful prosecutor.  So, one asks again, why haven’t we seen such prosecutions growing out of the financial crisis? I offer, by way of speculation, three influences that I think, along with others, have had the effect of limiting such prosecutions.

First, the prosecutors had other priorities. Some of these were completely understandable. For example, prior to 2001, the FBI had more than 1,000 agents assigned to investigating financial frauds, but after 9/11 many of these agents were shifted to anti-terrorism work. Who can argue with that?  Eventually, it is true, new agents were hired for some of the vacated spots in fraud detection; but this is not a form of detection easily learned and recent budget limitations have only exacerbated the problem.

Of course, the FBI is not the primary investigator of fraud in the sale of mortgage-backed securities; that responsibility lies mostly with the S.E.C. But at the very time the financial crisis was breaking, the S.E.C. was trying to deflect criticism from its failure to detect the Madoff fraud, and this led it to concentrate on other Ponzi-like schemes, which for awhile were, along with accounting frauds, its chief focus. More recently, the S.E.C. has been hard hit by budget limitations, and this has not only made it more difficult to assign the kind of manpower the kinds of frauds we are talking about require, but also has led S.E.C. enforcement to focus on the smaller, easily resolved cases that will beef up their statistics when they go to Congress begging for money.

As for the Department of Justice proper, a decision was made around 2009 to spread the investigation of these financial fraud cases among numerous U.S. Attorney’s Offices, many of which had little or no prior experience in investigating and prosecuting sophisticated financial frauds. At the same time, the U.S. Attorney’s Office with the greatest expertise in these kinds of cases, the Southern District of New York, was just embarking on its prosecution of insider trading cases arising from the Rajaratnam tapes, which soon proved a gold mine of good cases that absorbed a huge amount of the attention of the securities fraud unit of that office. While I want to stress again that I have no inside information, as a former chief of that unit I would venture to guess that the cases involving the financial crisis were parceled out to Assistants who also had insider trading cases. Which do you think an Assistant would devote most of her attention to:  an insider trading case that was already nearly ready to go to indictment and that might lead to a highvisibility trial, or a financial crisis case that was just getting started, would take years to complete, and had no guarantee of even leading to an indictment? Of course, she would put her energy into the insider trading case, and if she was lucky, it would go to trial, she would win, and she would then take a job with a large law firm. And in the process, the financial fraud case would get lost in the shuffle.

Alternative priorities, in short, is, I submit, one of the reasons the financial fraud cases were not brought, especially cases against high level individuals that would take many years, many investigators, and a great deal of expertise to investigate.  But a second, and less salutary, reason for not bringing such cases is the Government’s own involvement in the underlying circumstances that led to the financial crisis.

On the one hand, the government, writ large, had a hand in creating the conditions that encouraged the approval of dubious mortgages. It was the government, in the form of Congress, that repealed Glass-Steagall, thus allowing certain banks that had previously viewed mortgages as a source of interest income to become instead deeply involved in securitizing pools of mortgages in order to obtain the much greater profits available from trading. It was the government, in the form of both the executive and the legislature, that encouraged deregulation, thus weakening the power and oversight not only of the S.E.C. but also of such diverse banking overseers as the O.T.S. and the O.C.C. It was the government, in the form of the Fed, that kept interest rates low in part to encourage mortgages. It was the government, in the form of the executive, that strongly encouraged banks to make loans to low-income persons who might have previously been regarded as too risky to warrant a mortgage. It was the government, in the form of the government-sponsored entities known as Fannie Mae and Freddie Mac, that helped create the fora-time insatiable market for mortgage-backed securities. And it was the government, pretty much across the board, that acquiesced in the ever greater tendency not to require meaningful documentation as a condition of obtaining a mortgage, often preempting in this regard state regulations designed to assure greater mortgage quality and a borrower’s ability to repay.

The result of all this was the mortgages that later became known as “liars’ loans.” They were increasingly risky; but what did the banks care, since they were making their money from the securitizations; and what did the government care, since they  were helping to boom the economy and helping voters to realize their dream of owning a home.

Moreover, the government was also deeply enmeshed in the aftermath of the financial crisis. It was the government that proposed the shotgun marriages of Bank of America with Merrill Lynch, of J.P. Morgan with Bear Stearns, etc. If, in the process, mistakes were made and liabilities not disclosed, was it not partly the government’s fault?

Please do not misunderstand me. I am not alleging that the Government knowingly participated in any of the fraudulent practices alleged by the Financial Inquiry Crisis Commission and others. But what I am suggesting is that the Government was deeply involved, from beginning to end, in helping create the conditions that could lead to such fraud, and that this would give a prudent prosecutor pause in deciding whether to indict a C.E.O. who might, with some justice, claim that he was only doing what he fairly believed the Government wanted him to do.

 The final factor I would mention is both the most subtle and the most systemic of the three, and arguably the most important, and it is the shift that has occurred over the past 30 years or more from focusing on prosecuting high-level individuals to focusing on prosecuting companies and other institutions. It is true that prosecutors have brought criminal charges against companies for well over a hundred years, but, until relatively recently, such prosecutions were the exception, and prosecutions of companies without simultaneous prosecutions of their managerial agents were even rarer. The reasons were obvious. Companies do not commit crimes; only their agents do. And while a company might get the benefit of some such crimes, prosecuting the company would inevitably punish, directly or indirectly, the many employees and shareholders who were totally innocent.   Moreover, under the law of most U.S. jurisdictions, a company cannot be criminally liable unless at least one managerial agent has committed the crime in question; so why not prosecute the agent who actually committed the crime?

 In recent decades, however, prosecutors have been increasingly attracted to prosecuting companies, often even without indicting a single individual. This shift has often been rationalized as part of an attempt to transform “corporate cultures,” so as to prevent future such crimes; and, as a result, it has taken the form of “deferred prosecution agreements” or even “non-prosecution agreements,” in which the company, under threat of criminal prosecution, agrees to take various prophylactic measures to prevent future wrongdoing. But in practice, I suggest, it has led to some lax and dubious behavior on the part of prosecutors, with deleterious results.    

If you are a prosecutor attempting to discover the individuals responsible for an apparent financial fraud, you go about your business in much the same way you go after mobsters or drug kingpins: you start at the bottom and, over many months or years, slowly work your way up. Specifically, you start by “flipping” some lower level participant in the fraud whom you can show was directly responsible for making one or more false material misrepresentations but who is willing to cooperate in order to reduce his sentence, and – aided by the substantial prison penalties now available in white collar cases – you go up the ladder. For a detailed example of how this works, I recommend Kurt Eichenwald’s well-known book The Informant, which describes how FBI agents, over a period of three years, uncovered the huge price-fixing conspiracy involving high-level executives at Archer Daniels, all of whom were successfully prosecuted.

But if your priority is prosecuting the company, a different scenario takes place. Early in the investigation, you invite in counsel to the company and explain to him or her why you suspect fraud. He or she responds by assuring you that the company wants to cooperate and do the right thing, and to that end the company has hired a former Assistant U.S. Attorney, now a partner at a respected law firm, to do an internal investigation. The company’s counsel asks you to defer your investigation until the company’s own internal investigation is completed, on the condition that the company will share its results with you. In order to save time and resources, you agree. Six months later the company’s counsel returns, with a detailed report showing that mistakes were made but that the company is now intent on correcting them. You and the company then agree that the company will enter into a deferred prosecution agreement that couples some immediate fines with the imposition of expensive but internal prophylactic measures. For all practical purposes the case is now over. You are happy because you believe that you have helped prevent future crimes; the company is happy because it has avoided a devastating indictment; and perhaps the happiest of all are the executives, or former executives, who actually committed the underlying misconduct, for they are left untouched. 

I suggest that this is not the best way to proceed. Although it is supposedly justified in terms of preventing future crimes, I suggest that the future deterrent value of successfully prosecuting individuals far outweighs the prophylactic benefits of imposing internal compliance measures that are often little more than window-dressing. Just going after the company is also both technically and morally suspect. It is technically suspect because, under the law, you should not indict or threaten to indict a company unless you can prove beyond a reasonable doubt  that some managerial agent of the company committed the alleged crime; and if you can prove that, why not indict the manager?  And from a moral standpoint, punishing a company and its many innocent employees and shareholders for the crimes committed by some unprosecuted individuals seems contrary to elementary notions of moral responsibility.

These criticisms take on special relevance, however, in the instance of investigations growing out of the financial crisis, because, as noted, the Department of Justice’s position, until at least very, very recently, is that going after the suspect institutions poses too great a risk to the nation’s economic recovery. So you don’t go after the companies, at least not criminally, because they are too big to jail; and you don’t go after the individuals, because that would involve the kind of years-long investigations that you no longer have the experience or the resources to pursue.

In conclusion, I want to stress again that I have no idea whether the financial crisis that is still causing so many of us so much pain and despondency was the product, in whole or in part, of fraudulent misconduct. But if it was — as various governmental authorities have asserted it was –- then, the failure of the government to bring to justice those responsible for such colossal fraud bespeaks weaknesses in our prosecutorial system that need to be addressed.

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US BANK ADMITS, IN WRITING FROM THEIR CORPORATE OFFICE, THAT THE BORROWER IS A PARTY TO AN MBS TRANSACTION; THAT SECURITIZATION TRUSTEES ARE NOT INVOLVED IN THE FORECLOSURE PROCESS; HAVE NO ADVANCE KNOWLEDGE OF WHEN A LOAN HAS DEFAULTED; THAT THE “TRUE BENEFICIAL OWNERS” OF A SECURITIZED MORTGAGE ARE THE INVESTORS IN THE MBS; AND THAT THE GOAL OF A SERVICER IS TO “MAXIMIZE THE RETURN TO INVESTORS”                                                                                                                                                                                                 November 6, 2013

 We have been provided with a copy of U.S. Bank Global Corporate Trust Services’ “Role of the Corporate Trustee” brochure which makes certain incredible admissions, several of which squarely disprove and nullify the holdings of various courts around the country which have taken the position that the borrower “is not a party to” the securitization and is thus not entitled to discovery or challenges to the mortgage loan transfer process. The brochure accompanied a letter from US Bank to one of our clients which states: “Your account is governed by your loan documents and the Trust’s governing documents”, which admission clearly demonstrates that the borrower’s loan is directly related to documents governing whatever securitized mortgage loan trust the loan has allegedly been transferred to. This brochure proves that Courts which have held to the contrary are wrong on the facts. 

The first heading of the brochure is styled “Distinct Party Roles”. The first sentence of this heading states: “Parties involved in a MBS transaction include the borrower, the originator, the servicer and the trustee, each with their own distinct roles, responsibilities and limitations.” MBS is defined at the beginning of the brochure as the sale of “Mortgage Backed Securities in the capital markets”. The fourth page of the brochure also identifies the “Parties to a Mortgage Backed Securities Transaction”, with the first being the “Borrower”, followed by the Investment Bank/Sponsor, the Investor, the Originator, the Servicer, the Trust (referred to “generally as a special purpose entity, such as a Real Estate Mortgage Investment Conduit (REMIC)”), and the Trustee (stating that “the trustee does not have an economic or beneficial interest in the loans”). 

The second page sets forth that U.S. Bank, as Trustee, “does not have any discretion or authority in the foreclosure process.” If this is true, how can U.S. Bank as Trustee be the Plaintiff in judicial foreclosures or the foreclosing party in non-judicial foreclosures if it has “no authority in the foreclosure process”? 

The second page also states: “All trustees for MBS transactions, including U.S. Bank, have no advance knowledge of when a mortgage loan has defaulted.” Really? So when, for example, MERS assigns, in 2011, a loan to a 2004 Trust where the loan has been in default since 2008, no MBS “trustee” bank (and note that it says “All” trustees) do not know that a loan coming into the trust is in default? The trust just blindly accepts loans which may or may not be in default without any advanced due diligence? Right. Sure. Of course. LOL. 

However, that may be true, because the trustee banks do not want to know, for then they can take advantage of the numerous insurances, credit default swaps, reserve pools, etc. set up to pay the trust when loans are in default, as discussed below. 

The same page states that “Any action taken by the servicer must maximize the return on the investment made by the ‘beneficial owners of the trust’ — the investors.” The fourth page of the brochure states that the investors are “the true beneficial owners of the mortgages”, and the third page of the brochure states “Whether the servicer pursues a foreclosure or considers a modification of the loan, the goal is still to maximize the return to investors” (who, again, are the true beneficial owners of the mortgage loans). 

This is a critical admission in terms of what happens when a loan is securitized. The borrower initiated a mortgage loan with a regulated mortgage banking institution, which is subject to mortgage banking rules, regulations, and conditions, with the obligation evidenced by the loan documents being one of simple loaning of money and repayment, period. Once a loan is sold off into a securitization, the homeowner is no longer dealing with a regulated mortgage banking institution, but with an unregulated private equity investor which is under no obligation to act in the best interest to maintain the loan relationship, but to “maximize the return”. This, as we know, almost always involves foreclosure and denial of a loan mod, as a foreclosure (a) results in the acquisition of a tangible asset (the property); and (b) permits the trust to take advantage of reserve pools, credit default swaps, first loss reserves, and other insurances to reap even more monies in connection with the claimed “default” (with no right of setoff as to the value of the property against any such insurance claims), and in a situation where the same risk was permitted to be underwritten many times over, as there was no corresponding legislation or regulation which precluded a MBS insurer (such as AIG, MGIC, etc.) from writing a policy on the same risk more than once. 

As those of you know who have had Bloomberg reports done on securitized loans, the screens show loans which have been placed into many tranches (we saw one where the same loan was collateralized in 41 separate tranches, each of which corresponded to a different class of MBS), and with each class of MBS having its own insurance, the “trust” could make 41 separate insurance claims AND foreclose on the house as well! Talk about “maximizing return for the investor”! What has happened is that the securitization parties have unilaterally changed the entire nature of the mortgage loan contract without any prior notice to or approval from the borrower. 

There is no language in any Note or Mortgage document (DOT, Security Deed, or Mortgage) by which the borrower is put on notice that the entire nature of the mortgage loan contract and the other contracting party may be unilaterally changed from a loan with a regulated mortgage lender to an “investment” contract with a private equity investor. This, in our business, is called “fraud by omission” for purposes of inducing someone to sign a contract, with material nondisclosure of matters which the borrower had to have to make the proper decision as to whether to sign the contract or not. 

U.S. Bank has now confirmed, in writing from its own corporate offices in St. Paul, Minnesota, so much of what we have been arguing for years. This brochure should be filed in every securitization case for discovery purposes and opposing summary judgments or motions to dismiss where the securitized trustee “bank” takes the position that “the borrower is not part of the securitization and thus has no standing to question it.” U. S. Bank has confirmed that the borrower is in fact a party to an MBS transaction, period, and that the mortgage loan is in fact governed, in part, by “the Trust’s governing documents”, which are thus absolutely relevant for discovery purposes. 

Jeff Barnes, Esq.,

http://www.ForeclosureDefenseNationwide.com

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