Monthly Archives: December 2015

Hillary Clinton’s lies (in her own words) during the debates” on YouTube

Dear @HillaryClinton & @POTUS,

I have personal experience with “my mistakes” on buying a home I “couldn’t afford”.
Let me tell you how it really goes down…
I was 49 at the time (now 53) & had a good job paying $4k/mo when I decided it was time to own my home.

Because I’m a Navy Veteran I applied to USAA Bank under the VA loan programs for a loan to cover what I thought I could afford & which would put my payments under $1000/mo PITI. That works out to <25% of gross income which was the guideline in 1995 when i last owned a home. I looked at homes which had been foreclosed and were bank owned.
There were several con games played by the banks in this process:
1) I was constantly told point blank by every bank except USAA, real estate agents, and loan brokers that I could actually “afford” around $260,000 (PITI at 50% of Gross Income and Mortgage ONLY at 25% of Gross) when I knew full well from experience that was a flat lie.

2) Each offer (over 2 dozen) I placed was at or slightly above the advertised asking price and each time the bank replied saying they “needed” $10 k to $40 k more than the asking price. This happened on every offer.

3) A frequent condition of sale was that I finance with the bank selling the property even though I was pre Qualified through USAA on a VA loan for $150 k.
The one time I considered this I actually applied to Bank of America and was accepted for a $300 k loan (more than 3x what I could legitimately afford). This approval was used by the negotiator in an attempt to jack up the sale price by 1.5x in much the same way I’ve had used car sales men act.

4) I was told by several different bank negotiating teams (notably BofA, Wells, and Citi) that I was “in competition” with other buyers, even though evidence at the time, and subsequent history show that as a complete lie.

5) With the house I finally settled on this was the process which spanned 5 months while the market was losing value at +8%/month. I started placing offers on this place after I’d watched the asking price go from $269k to $149k over the prior 8 months:

Offer at ask of $149k
Reply asking for $161k

Offer at ask of $130k
Reply asking for $138k

Offer at ask of $ 128k
Reply asking for $149k

Offer at ask of $122k
Reply asking for $125k

Offer at ask of $104 k
Reply asking for $110k
Left to expire.

Does this process seem like the bank was on crack? It sure seemed that way to me!

At this point I got mad and contacted the “negotiator” at BofA by phone asking to speak to her boss. When he called me back I explained that the market was still dropping at 8%/month and this was my final offer above $100k. The next one would be $80 k. I then asked him of he wanted something or nothing for the place & explained that I was very nearly out of patience with the seemingly fraudulent process of dealing with them. I also noted that this entire time I was the only person who’d even looked at the property, much less put an offer in it.
He asked for some time to discuss it with his boss. I replied that the offer of $104k expired at 17:00 that day (as we’d discussed) and my next would be at $80k on Monday.

At 16:54 my agent got a fax accepting the offer.

While I was in the midst of this process it seemed utterly insane that a bank would play such games, but I didn’t get the full picture until a few days later when a friend sent me this via Facebook:

Now their fraud, and the drivers behind it, becomes crystal clear, as does the support for it from $hillary and Obama.
Bottom line: They, in “our” federal government, almost all of them, are NOT working for Citizens, Nation, or Constitution in any way, shape, or form.

Thanks Hillary. Thanks Obummer. Thanks Bush. You all disgust me with your treasons.
My vote will NEVER be yours.

Open Letter to Representative Greg Walden

As far as I can tell from your recent email, and vote history, you don’t represent me. Rather you seem to best represent the interests of the NRA and your other bribers.

While I have been both a gun owner and a past NRA member I am neither today.
WE in this nation have a massive problem with children, violent folks, criminals, and other mentally, legally, or emotionally incompetent folks having access to guns of all sorts.

Your blanket assertions do not help Us to address that problem in any way. What’s needed here is a bit of sanity and balancing the rights of sane, competent folks against the safety of our kids. There is no such balance today.
Here is what I would suggest as a starting point.

As to you’re representation of me… I’m seriously disgusted with your support of your corporate fascist bribers at Our expense.

This year I will be looking at your bribers on, your votes at and will likely vote against you.

Thanks for your interest in my vote.

Will you vote Democrat “no matter what”?

This very important Question showed up in my Twitter feed from Daily Kos.

Looking at the addenda immediately below the Question, the wording of this question is heavily front loaded ( but it’s still a valid Question which deserves a much more thoughtful answer than can be offered in 140 charaters.

“Will I vote Democrat regardless of who the party brass appoint as their nominee for POTUS?”
No. My vote is not beholden to any party. I vote based on Facts, Actions of the candidates, and who historically gets served by the candidates. I will look at the current and historical ACTIONS/VOTES of the candidates to determine how I vote. I’ll be damned if I’ll let either party count on my vote “no matter what!” If the Democratic Party doesn’t offer me a candidate who meets those bright line tests then my vote will land elsewhere.
That said, because of their actions and my tests, I’ve consistently voted for @JeffMerkley & @RonWyden in my district in Oregon.  These gents have served the Citizens well, and they pretty consistently fight for serving Citizens over corporations.

By way of background I’ve been a member of both parties and see little to nothing in the actions of the party brass from either party  to recommend an unconditional vote committment.

I’ve been an Independent for over 25 years now because I’ve been abandoned by BOTH sets of Party Brass in pursuit of corporate fascist bribers and their dollars.

This “strategy” which the DNC is espousing/demanding of Us is precisely what allowed the party brass of both parties to run away from serving Citizens.

I care not what any candidate says. The toilet paper I used has more value than those words. I look only at their actions to determine how I’ll vote. By looking at their actions, bribers and votes, and asking aloud “Who profits from this” we can gain an accurate understanding of who the candidates are actually serving.

Here’s some tools for that:

This serf control strategy of “It’s either Us (No matter how FUBAR) or the Evil Ones” which @DWStweets demands is EXACTLY what allowed neolib/neocon (aka: corporate fascists) to steal our parties from Us using Bribery and obfuscation. The fact that We Citizens tolerate it is what allows the shell game of Us vs Them to carry on unabated. It is, in fact us vs them, but it’s not ever been gays, blacks, hispanics, whites, or any other false division point used to aim Our anger at each other by use of False divisions. Our battle is, and always has been Citizens vs. Oligarchs & Fascists, no matter what MSM “News” claims.

For my vote politicians can damned well either Show Me By Their Actions that they serve Citizens over corporations, or they don’t work at all & I will not vote for them. Period.

Check out @Fixer_guy’s Tweet:

I frankly don’t care what either set of party brass claims, the proof living in the results of their actions shows me clearly that the vast majority of BOTH parties are not working for Citizens on any level; but are servicing their corporate bribers at Our expense.

Here’s the proof of my assertions in this:

I flat refuse to cast a vote which endorses that treason against my fellow Citizens and OUR Nation. Sorry, no. Hell No.

If you vote for the party “no matter what” then your actions are telling them that you’re perfectly A Ok with them servicing their bribers at your expense.

Bottom Line:
When you cast your vote you are voting for that candidate, their policies, their past actions, and their BRIBERS’ AGENDA(S) to ask YOUR government for more of those things. If you don’t like what we’ve got now change horses NOW

THIS is why this Veteran can never cast a vote for Hillary Clinton, knowing what I know.

No Fucking More. Either give me a candidate I can vote FOR without the SCUBA gear or I’m shopping elsewhere.