On The Streets…..Of America

I just watched a video on homelessness and I was quite struck by a brilliant observation from someone who commented on the video.

“People oppose welfare but they defend monopolism with every tooth and nail. They’re both forms of wealth redistribution. The only reason anyone has a good paying job is because they’re employed by companies who are somehow protected from competition, either by IP, geography, zoning laws, or licensing and permit schemes. The same laws prohibit individuals from employing themselves, resulting in widespread poverty. Anyone who has a good paying job has not a square inch of room to complain about welfare.

Nobody can be expected to get a job without a home. If all the money we spend on building new prisons were used instead to build public apartment high rises, crime would drop, minimum wages would go further, and modest rent rates could be a source of public revenue rather than a constant tax liability. The government collects more than enough taxes to guarantee that every citizen has a safe, clean place to sleep and bathe. I don’t care if lazy people chose instead to sit around their apartments all day doing nothing. It’s cheaper than prisons and more civilized than abandoning the poor to loitering the streets, prostitution, drugs, shoplifting, mugging, breaking into homes, sleep in filth, spread bugs and germs and get sick all the time.” – by Ox1A3C3E7

That comment is spot on! We have no problem with the fact that monopolies are encouraged when mere decades ago, there were laws in place to prevent monopolies, but that is a thing of the past. And now because of it, corporate greed runs amok, unchecked and add into the mixture the fact of huge tax breaks for these mega-corporations that have no competition and the people are held hostage by them. How many cable companies are in existence today? Telephone companies? Microsoft software is a monopoly since our computer systems use Microsoft software damn near exclusively. All of this leads to boundless profits for corporations while wages for those who work at the bottom rungs of those corporations earn wages that would not keep a hamster in feed, thus leading to hunger, homelessness and hopelessness. And what does the government do? It continues to aid and abet these corporations into becoming monopolies by refusing to break them up and also by encouraging the growth of monopolies with our tax dollars. Amazon is yet another ‘prime’ example even as Donald Trump likes to pretend to take umbrage with Jeff Bezos. My guess would be that he is just jealous of the fact that Bezos has far surpassed him in business acumen which Trump never had to begin with.

Meanwhile, video after video can be viewed that showcases the plight of homelessness, year after year and yet what is done to rein this in? Nothing. Just talk and more talk and hand wringing. Anyone can follow a homeless person around with a camera for a few days to get an idea of what life is like for the homeless, but when all is said and done, what good does that do? It only elicits a few comments and likes for those comments and suggestions and ideas and then on to the next. The sad fact is that ALL of us are headed where the homeless are. People are not paying attention to the fact that those who are sitting on Skid Row in Anytown, USA are going to have plenty of company. The plight of those who are already homeless will soon be felt by us all because no one is seriously trying to do anything about what millions of people are dealing with every single day. It matters not if I write poetry about the homeless or if people post videos about the homeless because if there is no real feasible solutions to throw at the problems that cause homelessness, the situation is going to continue to worsen.

Those of us who are comfortably looking at the situation from afar are not even thinking that we shall soon be in their shoes. Some of us are content to think that our jobs will always be there as will our pensions. I wouldn’t count on that because pension funds are being raided as I type this and Social Security does not pay enough to live on. And though there are suggestions to move oversees or to Latin American countries where your Social Security will go further, that is just not feasible for everyone. And with many of those countries that are named as great retirement havens in the news for having mass protests over a lack of food, medicine and housing, who in their right mind would head to those areas flaunting their ‘privilege’ in the face of mobs of people, gaunt and sunken-eyed looking to feed their hungry children? Take your ass on over to Venezuela and see how you fare. Try Honduras. Guatemala. Mexico City, Mexico. Either get caught up in drug warfare or get caught up in a United States staged coup against a Latin American country. But either way, your situation is not going to be roses and all things bright and beautiful forever. And even in countries like Ecuador and Costa Rica, the natives are going to get mighty sick and tired of foreigners coming in buying up everything for pennies on the dollar and paying them pennies to wait on them hand and foot.

And as usual, it is mostly whites who can take themselves off when the shit hits the fan for them while those who already have the shit hitting the fan, must stay and deal with a country that is rapidly descending into Third world status. Some of you may think it funny that hookworms are dripping out of the assholes of homeless people, nationwide, but it’s not. Some of you may think it funny that typhus is making the rounds of the homeless population in multiple cities, but it’s not. Add to those issues are the other physical and mental illnesses that most homeless people are dealing with and what that means is that hospitals are overwhelmed with emergency room visits by people whom they cannot collect payment from.

People try and act as though they cannot understand that mass homelessness costs more than housing and necessary services to stabilize the homeless once they have been housed and with communicable diseases on the rise, that is no small problem especially seeing as how there are diseases that no antibiotic can cure. When serious plagues start resurfacing and plagues never before seen start occurring, what is going to be the exit strategy for that? There is none. We’d ALL better wake up to the fact that homelessness is not just impacting those who are sitting out on the sidewalks or who are sitting inside tents or living in their vehicles, it is going to impact us all in some way or another. Something for you to think about while shopping for chicken wings and hoagie ‘meat’ for your Superbowl parties. What we ‘give’ importance to is just too ludicrous for words given the seriousness of the situation as it pertains to the rapid descent of this shithole called America. People are homeless, sick and hungry while those of us who have not yet joined them are anxiously awaiting the Superbowl since bets have been placed and there are parties to be hosted. It is no wonder we are sinking like a stone since we will get behind anything that will distract us from the truth and from seeing those who have already gone where we too shall go. And you can take that to the bank!

Folks, What The Hell Is Wrong With You? If You Shopped At Any Store In The Last 10 Years, Either ‘In Store’ Or ‘Online’, Your Credit/Debit Card Has Been Hacked

You shopped here using a credit/debit card? You got hacked AGAIN! How many times must this happen before you get a clue?

 

 

 

A few years ago, I posted several blogs on this topic and it would appear that I was the only one paying attention and that I was also talking to myself. Well, self, here I go….AGAIN!!!

If you shopped at these 15 stores in the last year, your data might have has been stolen

At least 15 separate security breaches occurred at retailers from January 2017 until now. Many of them were caused by flaws in payment systems either online or in stores.

Data breaches are on the rise for both retailers and other businesses.

A recent report by cybersecurity firm Shape Security showed that 80% to 90% of the people that log into a retailer’s e-commerce site are hackers using stolen data. This is the highest percentage of any sector.

These data breaches are a real danger for both companies and customers and can affect the trust shoppers have in brands.

According to a study by KPMG, 19% of consumers would completely stop shopping at a retailer after a breach and 33% would take a break from shopping there for an extended period.

Consumers’ credit/debit card data has been hacked at Adidas, Macy’s, Sears, Kmart, Delta Airlines, Best Buy, Saks Fifth Avenue, Lord & Taylor, Under Armour’s MyFitness Pal app, Panera Bread, Forever 21, Sonic, Whole Foods, Gamestop and Arby’s.

Adidas has stated  that only customers in the United States have been impacted. Go figure! They know Americans and they know that nothing is going to stop them from passing that plastic card across the counter. According to the company, you guys in Europe are okay, but I would check just to be sure.

Macy’s says that between April 26 and June 12, your personal information and credit card details have been exposed to a third party. Who that third party is, they can’t or won’t say. But not to worry. You will just assume that they will correct the problem in time for Black Friday and back inside Macy’s with your credit card, you will go. No worries.

Sears says that a “security incident” happened with an online support partner and that 100,000 of you have had your credit card information stolen. Who stole it? They don’t know. But online shopping is SO convenient, no one is going to stop doing it. Just ask Amazon’s CEO, Jeff Bezos. Thanks to billions of shoppers shopping online at Amazon, Bezos’ employees are pissing in containers because they cannot leave the warehouse floor to use the restroom because your hacked online order has to be delivered to you before the hackers can max out your credit cards and drain your bank accounts. But Bezos wants you to know that it would be prudent for you to wash your hands after touching their merchandise, it may still have traces of a worker’s piss on it.

Kmart was also affected by the Sears hack and then was hacked again in a separate incident. They are indeed, going for broke and taking you along with them. “Identity theft,” anyone?

Delta Airlines wants you to “Fly the friendly skies” AFTER your personal information and credit card information has been hacked by the same entity that hacked Sears and Kmart. Sit back, relax in extreme discomfort in your little seat with no leg room while your neighbor behind you kicks your seat while back on the ground, your credit card’s getting hacked.

Best Buy was affected by the same hackers who targeted Sears, Kmart and Delta Airlines, but they also want you to know that “only a small fraction” of their customers need worry. Which of you need worry? I don’t know and neither does Best Buy and so you ALL should worry.

Saks Fifth Avenue wants you to know that a data breach compromised your credit/debit information and that it probably affected millions of you. But not to worry. If you can shop at Saks Fifth Avenue, then what’s a few thousand stolen from you? And according to Saks Fifth Avenue, only ‘in-store’ sales were affected.

Lord & Taylor, for all you rich folks out there, wants you to know that their customers were affected by the same breach as Saks Fifth Avenue and that is all they want you to know. You can speculate on your own time as to whether it was 10 customers or 1 million customers. You figure it out, but please continue to shop there, by all means. The Black Friday sales are sure to get you hacked, but it will be all for a good cause, after having given thanks on Thanksgiving Day, the day after calls for a ‘thankful’ hacked shopping experience.

Under Armour’s MyFitness Pal app wants you to know that while you were out there getting into shape, sweating to the beat of some great music, your names, emails and encrypted passwords were hacked and more than likely it was over 150 million of you who were impacted by this breach. I suggest you ‘sweat’ to the beat without their app. It might save you from another bout of ‘identity theft’. Fit and hacked is not a good combination.

Panera Bread wants you to know that if you placed an online order on or about April 2nd of this year, your personal data has been compromised by a breach. But they certainly hope that you enjoyed your meal. Please feel free to place another online order and get hacked again because their product is SO worth it!

Forever 21 wants you to know that from March to October 2017, your personal information as well as your credit card numbers, expiration dates and internal verification codes were released to hackers who are most thankful that Forever 21 is acting like it is Forever 5 and not protecting its customers’ personal information and credit card information. Forever 21 plans to change its name to Forever 5 in the near future so as to not have to assume responsibility for its actions of allowing hackers to access its customers’ information. Enjoy your shopping experience and thank you for understanding that hacking of your information will continue. However, our Black Friday Madness sale, just cannot be missed and they know you won’t. “Come back now, ya heuh?”

Sonic wants you to know that over 5 million of their customers’ credit card information has been stolen and they are very upset about that, but not to the point to offer you a free hot dog while you are still getting hacked. Please, no cash. That cannot be hacked. Sonic prefers that you use credit/debit cards; the better to continue to get hacked, suckers!

Whole Foods, now owned by AMAZON, also known as AMAZING wants you to know that it has “recently received information regarding unauthorized access of payment card information” and that this was caused by some sort of flaw, but not to worry, it is sure to happen only a few more times. Meanwhile, enjoy your Whole Foods-Amazon-Amazing experience while getting hacked and they appreciate your business. Oh, and no returns! You will be banned, if you return the product! Tsk! Tsk!

Gamestop confirmed a data breach in April of last year for customers who shopped online. Names, addresses and credit card information were all affected but please, keep playing video games. They will be a welcome distraction from your identity theft issues. Just play all day until the power company turns the lights out because a hacker has emptied your bank account and maxed out your credit cards. Then go to Gamestop and plug your video game into one of their sockets and when they call the cops on you, see if the jail will allow you to use one of their computers to tell us how much sympathy you received from the folks at Gamestop. Happy playing! And no, Gamestop will not bail you out of jail. Don’t even think it! It’s all a game to them!

Arby’s wants you to know that in addition to them having “The Meats,” they also had a data breach last year that affected over 355,000 credit/debit card users thanks to malware which allowed hackers unauthorized access to your credit/debit card information. Arby’s would also like to say that for those customers who used cash to pay for their “mush between buns,” you were NOT affected. But next time, please pay with a credit/debit card so that they can increase the number of customers who are affected by data breaches because stores are now vying for a spot in the Guinness Book of World Records for the company with the most data breaches in one year. It is going to be a tight race to the top, folks! I am going to get some popcorn and a tall flute of ice cold champagne and watch this ‘Olympic’ style race. You betcha!

Also, a note of interest here, Kroger Foods and VISA are locked in a fierce battle!

A Major Supermarket Chain Has Declared War on Visa. Here’s What You Need to Know

Kroger will stop accepting Visa cards at some of its locations later this month – the latest salvo in an escalating war between the nation’s biggest grocery store chain and the biggest credit card company.

Kroger has said it will stop taking Visa credit cards at 21 of its Foods Co. supermarkets and five gas stations located throughout California starting August 14, USA Today reports.

The ban on Visa comes in a battle between the supermarket chain and the credit card company over the “swipe” fees Kroger pays the company to allow credit card purchases. Bloomberg reports Kroger pays about $90 billion in credit card processing fees each year.

The Visa ban might expand beyond the Foods Co. stores and into other stores under the parent company if it doesn’t reach a deal with Visa.

WOW! I did NOT see that coming! Kroger just might not accept your Visa credit/debit cards if Visa doesn’t get with the program that Kroger is in business to make money as well. Who does Visa think they are, making billions off Kroger in CREDIT CARD PROCESSING FEES EACH YEAR? $90 billion is nothing to sneeze at. For god’s sake, Visa has been putting the squeeze on Kroger for too long and damn it, that stops now!

I am going to recommend to Kroger, some Mafia hit men that I know who could possibly set things right. They’ll fix those folks over at Visa who think they should be top dog and rake in the dough while leaving Kroger in the dust.

Kroger, you go with your bad self! I am behind you one hundred and fifty percent because I PAY WITH CASH!

So, there you have it folks! Clash of cards vs cash! If you think for one second that those stores listed are the ONLY stores impacted, put down whatever it is you are smoking, clear your head and get real! You have only yourselves to blame because you pick up whatever is put down in front of you without ever thinking about what could happen. You willingly gave up cash for the ‘convenience’ of that credit/debit card and now that we are ALL FICO scores and credit reports, thanks to the stores we shop at not being able to protect credit/debit card information, millions of people are at risk for false information on their credit reports and identity theft. And don’t kid yourself into thinking that it is easy to clear up false information on your credit report. You can do some research and find people who are still reeling from identity theft even after having called in attorneys to help them.

Meanwhile, continue to pass that plastic over and you will continue to get hacked both in-store and online because you refuse to learn and apparently being stupid is a goal that many of you have obtained with relish. No one told you that a stupid fool and his/her money are soon parted? Well, now you know!

 

 

There Is A Simple Solution To ‘Ramsomware’, But You Don’t Want To Hear It!

 

What is this ‘Wannacry ransomware’ or ‘WannaCrypt ransomware’?

‘Ransomware’ is a type of malicious software designed to block access to a computer system until a sum of money is paid.

On Friday, the world experienced the wrath of a well-coordinated ransomware attack, known as WannaCrypt. The attack caused Britain’s NHS to cancel surgeries, a wide array of Russian and Chinese private and public institutions to be crippled most of the day, and the rest of the world to recoil in shock.

How could a single piece of malware that exploited a vulnerability identified long ago by the NSA, and leaked last month by a group called the Shadow Brokers, wreak so much havoc?

Yes indeed, how could this malware have wreaked so much havoc? It’s simple. Because we are stupid. We have grown so dependent on technology and artificial intelligence that we have lost our intelligence. In handing over every aspect of our lives to machines, we have given up any privacy we had which includes our medical records, our social security number; our very identity. This is why we are constantly hearing of identity theft and this has produced another corporation to operate in order to ‘restore our good name’ and to take back what was stolen from thieves, for a price, of course.

Now along comes this ransomware software that has been holding computer systems hostage until money is paid in the form of Bitcoin. If there were no computers, would this have even happened? Of course not.

The article goes on to state that Britain’s National Health Service had to cancel surgeries. Would the NHS have had to cancel surgeries a mere thirty years ago? No! Because medical records were kept in the form of folders in a file cabinet. You remember those, don’t you? Your doctor came into the exam room with your paper file and in it were your medical records and all that was needed to ensure that you’d had all of your immunizations, checkups and any upcoming medical events. You received a telephone call to remind you of any preparations you needed to make before surgery and guess what, we did fine. But now, since all medical records are electronic and are at the mercy of anyone who wants to underhandedly try and hold them for ‘ransom’, we’ve got a problem. This is only the beginning. You can’t see how easy it is for your information to end up in the hands of those who seek to profit from it? All the hacking of your credit/debit cards taught you nothing? Of course not because you are still handing them over. You don’t even remember a time before there were credit/debit cards, do you? More’s the pity because we were all the better for it.

What we have here is ‘civilization’, is it not? And how well is that working out for us? We are so happy, aren’t we? Can’t you tell just by going on Facebook and Twitter? Isn’t everyone just loving all up and down on each other? No one is sending vitriolic comments back and forth. Family members are not blocking one another over political differences, are they? Can you not see what is happening to us? We are descending, not into civilized mode, but into such boorish, uncouth and vulgar behavior, we would put Neanderthals to the blush. But we have all the creature comforts we could possibly want; electricity, running water, indoor toilets, computers, video games, garage door openers, devices that turn on/off our lights, open our doors, alarms for our homes, vehicles to get us to where we want to go, airplanes to get us there even faster and trains for the view. We’ve got it all. And this has made us most happy. So, why then, this?

HOUSTON —
Americans actually report being among the most unhappy people in the world.
Anti-depressant usage has increased 400 percent since 1994. So why are so many people may be unhappy, and what you can do to change that?

According to the Center for Disease Control and Prevention, about one in 10 adults in America reports being clinically depressed.

It’s probably more than that. Why are we unhappy? We’ve got it all, don’t we? We’ve got ALL the creature comforts and so then, why are we depressed? Why are we on opioids? Why are we committing suicide at alarming rates?

Suicide; The Saddest Trend
“America is in the grip of a sustained raise in the suicide rate across all age groups and for both sexes. From 1999 to 2014, the suicide rate rose by 24%. The numbers are adjusted to take account of aging. Men shoot themselves; women take poison. There has been a rise in suffocation and strangulation.”

Add to this the fact that we are a nation of addicts, as well.

Inside a Killer Drug Epidemic: A Look at America’s Opioid Crisis

Opioid addiction is America’s 50-state epidemic. It courses along Interstate highways in the form of cheap smuggled heroin, and flows out of “pill mill” clinics where pain medicine is handed out like candy. It has ripped through New England towns, where people overdose in the aisles of dollar stores, and it has ravaged coal country, where addicts speed-dial the sole doctor in town licensed to prescribe a medication.

Public health officials have called the current opioid epidemic the worst drug crisis in American history, killing more than 33,000 people in 2015. Overdose deaths were nearly equal to the number of deaths from car crashes. In 2015, for the first time, deaths from heroin alone surpassed gun homicides.

Again I ask, why are we a nation of addicts when we should be celebrating ALL that we have in the form of technology? Technology has given us all of our creature comforts. We don’t have to use a washboard to do our laundry like our grandmothers had to do. We don’t have to go out back and use the toilet like many of our folks in the south had to do. We don’t have to dry our clothing on the clothesline. We’ve got dryers for that. We’ve got microwaves so we don’t have to wait to eat. We’ve got mixers so we can beat that cake batter so much faster. We’ve got a device that will even open and close our window blinds for us. Look at all the gadgets we’ve got. Hell! Even our car can park itself and some can drive without us. And soon, kiosks are coming to fast food restaurants and so we don’t even have to bother with ordering our fast food from a person, we’ll just punch in on a screen what we want and voila, our order is complete. So why are we unhappy, pill popping, suicidal, stressed out and willing to be held hostage by malware? I’ll tell you why. This is not civilization. This is not paradise. This is us aiding and abetting in our own demise. This is what those who are behind the scenes had in store for us all the time.

We are a Social Security number, a credit score, a zip code, an insurance risk, a medical records number on a computer, but we are never, ever seen as human and so we don’t even think of each other as human and this is why we treat each other like shit. This is not civilization. This is a dystopian society; a society of human oppression, misery and disease. And we are all held hostage by the very devices we think we need in order to exist. We don’t need these things. These ‘things’ need us. Those who implement these ‘things’ and who control these ‘things’ need us. We don’t need them. We work because we think we need to and we are only prolonging our misery and our suffering and those who put this all into play are counting on us never realizing and waking up to the fact that we are aiding and abetting in assuring that our suffering and misery will continue until we either get so depressed, we take drugs or we just step up on a stool, put a rope around our necks and then step off that stool.

Why is money important? Who made money important? What do you think would happen if there was a hacker who could bring down our entire electric grid? Oh I’ve read articles telling us that ‘90% of us would be dead in no time flat’. That is just not true. Those of us who are alive today just cannot remember a time when there was no power grid to begin with. Did those people die? Did they all starve? If they did, we would not be here. Think about that. Our so-called creature comforts which are a direct result of an electric grid are what is standing between us and the simple things in life that were all we needed until we were told otherwise. We were told that we needed to buy a house and so get a mortgage. Go to the bank and hock yourself for 30 years and then work for someone to pay for that house because that was the American dream. And millions of us did just that. We were told that the horse and buggy was too slow. Now, you have an automobile and is it getting you where you want to go any faster? Those hours you spend sitting in traffic, a horse could have galloped by you multiple times. And you would not be choking on carbon dioxide fumes. The Amish don’t seem to mind getting around via horse and buggy or not having electricity and so then why are we willingly going along with this ‘Utopia’ which is anything but? Who is controlling us? Who is getting rich off us? Who made the barter system obsolete? Who got us hating one another since we feel we don’t need each other or that we can’t depend on each other like we used to do so many, many years ago?

You see, the so-called ‘elites’ are counting on us not waking up to the realization that money could be made redundant just as they would be if we no longer gave money any value. And to devalue money, to make money worthless is to quit buying and to not buy into the fallacy that without money, life would end. Life would actually begin without money. Think about it. Why have they made it illegal to live off-grid? Because by doing so, you are not giving money any value. You have devalued money. You’ve made it redundant. You’ve made those who’ve made money mean everything to us, redundant and so therefore, there would be no place for them, no use for them and no use for money. We would actually need each other, depend on each other which is what we used to do.  The cops and the military are only there to protect the interests of the ‘elites’. They are there to serve them, not us. And you cannot see this?

I remember when I was growing up, there used to be what was called, ‘rent parties’. If someone did not have enough to pay their rent, folks in the neighborhood would host dinners and every mother would cook and offer plates of food to be sold at the ‘rent party’  and the money would be handed over to tide the person who lost their job over until they got back on their feet. Now, we use ‘GoFundMe’. But the thing about that is, could it be caught up in the next ‘ransomware’ attack and the money stolen by hackers? Again, just something to think about.

It is really sad when there is an epidemic of drug addicts and suicides. It is really sad when people have allowed themselves to be played for that ‘almighty dollar’. And the sad fact is that churches are part of the problem. If ‘Jesus’ could preach by the Sea of Galilee, then why the need for all of these palaces of worship? If Jesus had nothing but contempt for what he called, ‘the moneychangers’ and began to cast them out of the temple, what does that tell you about how Jesus felt about money? You cannot have it both ways; worship Jesus and money. You don’t worship, nor do you adhere to the teachings of Jesus because if you did, you would ‘leave your worldly goods behind and follow him’. But you’re hypocrites because you won’t do that. You are the ‘moneychangers’; the hypocrites that Jesus cast out of the temple. Money is not buying us happiness. Money is only buying us someone else’s illusion of ‘happiness’ and it’s not working for millions, if not billions of us. Think about it.

And Jesus said,

What see I here? Shall my Father’s house be thus dishonored? Is this the house of God, or is it a market-place? How can the strangers who come from the land of the Gentiles to worship God perform their devotions in this tumult of usury? And you,” he continued, advancing a step toward the priests, who stared at him in amazement, “You priests, guardians of the temple, can you see this abomination and permit it to continue? Woe be unto you! He who searches the heart knows why you encourage such disorder. “Away with you from here, servants to Mammon! I command it. Take what belongs to you and quit the holy place!”

Although I am not religious because religion has been turned into whatever your preacher deems it is, I am sure that you can see your own church or house of worship in the above paragraph. And so what does that say for you? Think about it while you’re sitting in traffic choking on fumes and playing with your smartphone.  Think about the fact that the reason why you won’t do anything about your situation other than become a drug addict or commit suicide is because we have been made soft and pliable and this is why despite all of our so-called creature comforts, we are the most depressed, drug addicted suicidal ‘people’ that never lived! And those who put this all into play are counting on our very acquiescence; our submission to the continued status quo and we will not disappoint them.

Target Shoppers, I Tried To Warn You!

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http://www.nbcnews.com/technology/massive-target-credit-card-breach-new-step-security-war-hackers-2D11778083

It looks like hackers hit the bulls-eye with the recent unprecedented hack of Target credit and debit card information.

Not only was the digital heist huge — up to 40 million consumers might have had their data stolen — but the degree of difficulty indicates another step in the security arms race between criminals and merchants.

The hack affected customers who shopped at U.S. Target retail stores between Black Friday, Nov. 27, and Dec. 15

I told you that those huge HDTVs would still be there in January. You didn’t need all that shit you went out and got slapped, head-butted and kicked over and you thought that that was all you had to worry about. Turns out you were so wrong. Now over 40 million shopping fools have had their credit and debit card information stolen and now they are WHINING because they cannot get through to complain to Target. What do YOU want Target to do? What can they do? You bought into the Black Friday Madness bullshit! You bought into the “let’s have a cashless society” bullshit and now you’re WHINING about the choices that you made. You chose to go out on Black Friday and beyond to indulge in what has now become the NEW and unimproved version of ‘Christmas’. You didn’t think that with the touting of spend, spend, spend until your credit card drops bullshit and then spend some more, that it wouldn’t get the ears and eyes of HACKERS???!!! They wanna buy stuff too, ya know! If you weren’t still snoozing off tryptophan, why should they? The hackers got the Black Friday Madness shoppers by the balls credit cards. HA!!

If you just had to go out and buy a new smartphone, discounted, 50%, ya should’a took C-A-S-H along for the fun! Now, your credit may be adversely affected. You may become a victim of identity theft which could cost you even more penalties in increased interest rates IF you can get another credit card so that you can go out AGAIN for the next Black Friday Madness sale and get hacked AGAIN!!! Please do, you stupid foolish ass, clueless, materialistic drones who do everything you’re told without question. If someone tells you to shop on Black Friday, there ya go! If someone tells you to use your credit/debit card, there ya go. And now that the shit has hit the fan, you want answers. Well…too damn bad! Over 40 million of you want answers and there just ain’t that many folks at Target manning the phone lines because guess what…they’re all at the check-out stations ringing the purchases up of more likeminded asses who are most likely about to join you in whining and complaining that their credit/debit card data has been stolen/hacked. You were not just asking for trouble, you were BEGGING for it and baby you got it!!!

…and this is for the dude with the 50″ inch LCD HDTV, enjoy!, because the headache that you’re gonna get from purchasing that TV is gonna be even bigger than your TV. LMAO!! But to show you guys, ALL 40 million of you that I am in the ‘christmas’ spirit, I am going to leave you with a little pick me up!! Enjoy!!! ROFLMAO!!!!!

A Housing Problem? What Housing Problem?

bank 2bank 1
Seriously? We have a housing problem? The only reason why we have a housing problem is because of greed! Plain and simple!! We have bank-owned and government owned houses just sitting vacant while homeless people are sitting outside with ‘vacant’ expressions on their faces. We have people rotting in ‘warehouses’ called homeless shelters when houses are just waiting for someone to enter them and make them a home. The only reason these houses are empty is because of sheer, unmitigated greed and we all know that. Wall Street is making a killing while Main Street is reeling.

We have an agency that was created to house the poor, HUD(Housing and Urban Development)and yet those who work at HUD cannot figure out how to match houses with those who need them. The concept is already there. Thirty percent of a person’s income and the balance subsidized by HUD. Yet, HUD would rather throw taxpayer money away on slumlords who then laugh all the way to the bank when people could eventually get off the program through ‘Supportive Home Ownership’. It is not a novel concept. Let’s take a look at something:

Mortgage amount: $ 100,000
Mortgage term: 30 years or 360 months Interest rate: 4 % per year Mortgage start date:03/10/2013
Monthly Payments: $ 477.42

The homeowner’s payment would be 30% of their income and the rest subsidized by HUD(this is how Section 8 works), thereby giving the homeowner the ability to put aside funds for upkeep and taxes. Although many would most likely qualify for tax relief. This would build better neighborhoods, prevent boarded-up houses from being used by drug dealers and would keep people in homes where they would want to take care of them because of buying as opposed to renting. Residential neighborhoods where the majority of houses are owner occupied are in much better shape than rental-based neighborhoods.

Since many families never leave HUD subsidized housing, and subsidies just continue ad infinitum, why not focus more on home ownership? This would eventually drop people from the HUD subsidized list as the home would eventually be paid for. The system is not working now, so why continue with that which is broken and is not really solving the huge problem of homelessness and housing the poor? It makes no sense. In many cases, landlords are paid by HUD anywhere from $700 a month to well over $2,000 a month, year after year.
Again, why should this be the scenario?

MIAMI — Officially, there are 3.5 million homes for sale nationwide. But there are millions more lurking in the shadows — hidden neatly away on banks’ balance sheets, stalled in foreclosure court proceedings or simply occupied by nonpaying owners as lenders wait months or years before taking action.

The housing market’s ballooning shadow inventory — buoyed by a yearlong foreclosure slowdown — stands as the most menacing obstacle to the recovery of the residential real estate market.

Clustered mostly in hard-hit cities and states, there are more than 4.5 million homes either owned by lenders or headed for foreclosure. In Miami, for example, there are about 200,000 shadow homes, dwarfing the 30,000 properties that are listed on the active market.

Bank of America has owned a small two-bedroom on Northwest 80th Street in Miami since August 2008, when it repossessed the home from the estate of Lucile Moore. Three years later, the property isn’t listed for sale on the open market, part of the bank’s growing collection of unlisted properties. Bank of America didn’t respond to a request for comment about this property.

The bank hasn’t paid last year’s $2,000 property tax bill. That’s an occasional side effect of having behemoth financial institutions as property owners. In foreclosure-riddled Cleveland, financial institutions owe millions in overdue property taxes and grass-cutting fees for vacant and abandoned homes.

“I’ve seen plenty of cases where the banks don’t take care of the homes and we have to take them into court to try and get them to pay the fees,” said Mark Parks, projects manager of the Cuyahoga County Fiscal Office in Ohio.
Read more here: http://www.mcclatchydc.com/2011/10/16/127042/millions-of-homes-lurk-on-bank.html#storylink=cpy

Obviously, there is a serious problem when banks are not paying the taxes on bank-owned property, nor are they keeping the property in good condition for resale. So, keeping the properties on the bank’s balance sheet as an asset(albeit, a non performing one) is just plain greed as opposed to working with people in order to help them stay in their homes or help people buy a home. And who is profiting by this and who is being adversely impacted? Once again, greed rules the day!

And yet, we have a housing problem? Only because we WANT to have a housing problem due to greed because it is so much better to ‘warehouse’ people in filthy homeless shelters and slumlike rental units than to help poor people obtain ‘home ownership'(that they can afford), well..isn’t it?

Credit Reporting Agencies, Credit Scores And Identity Theft

title loanspayday loanscreditcredt agencies
We are all just credit scores which determine how ‘credit worthy’ we are. Unfortunately, with the advent of credit reporting agencies, we now have identity theft problems. Sigh..!! We Americans! We create problems that create more problems.

I have spoken to countless numbers of people who have had bad experiences with credit reporting agencies and the top three are Experian, TransUnion, and Equifax. We are encouraged to check our credit reports for inaccuracies, but when we find them, it is extremely difficult if not next to impossible to resolve the issues. I know, because I have tried.

So, was the reasoning behind the introduction of credit worthiness, an instrument for the people or an instrument designed against the people? And if so, who is most negatively impacted by credit reporting agencies? The poor. People whose credit worthiness nosedived due to job loss, medical bills, the ‘life tosses you a curve’ people.

When we are looked at as a number and not as a ‘human’ being, we are then categorized into worthy, less worthy and worthless, hence the recent subprime loan mortgage mess. Our ability to find a job may be impaired, to find a decent home could be impaired and we’re fine with this. If not, why no hue and cry? Why do we have no problem with this? Is it because it hasn’t happened to you? Is it because those who are impacted adversely by credit reports are considered ‘worthless’ anyway?

I remember when cellphones first came out. The company would check your credit and if you were deemend ‘worthy’, you’d get a great deal, if not, you had to pay a deposit in order to get a phone. Years later, apparently, many people were deemed worthless and thus the beginning of ‘pay-as-you-go cellphone plans. You see, even the worthless can be worth something because big business came to the realization that it was losing out on a potential customer base, so let’s see how we can bring the worthless back into the fold. Aha! Pay-as-you-go plans.

Next, we have furniture stores. Everybody needs furniture, but our credit worthiness is not so worthy, so what are we going to do about it? Aha! Furniture rental stores. Yes, even our ‘unworthiness’ can get us a big tv, sofa, dinette table, but for an exhorbitant rate and what would normally take a few months to pay off because of high interest due to our ‘unworthiness’ will take 2 years before our purchase is officially ours.

Then we have the payday loan companies. If we’re a little short of cash between paydays, they’ll hook us right up, and add a nice hefty interest rate on top of it. Now, we just need to give them our banking information.

Not to forget the Title Loan companies. Same premise as payday loans except that we must leave the title of our vehicle with them and if we can’t pony up the payment with added, outrageous interest rates, well..they got ‘towboy’ on standby.

You see, having a population of abject poor working stiffs is big business. If not, why would there be so many businesses that are making a profit hand over fist despite the fact that many should not be qualified for ‘loans’ due to their credit ‘unworthiness’. Are they doing these people a favor? Maybe, maybe not, but let me put it this way, if there was no money in it, would they be in business?

Lastly, we have the people who are victims of identity theft. What’s to be done about this since it is so prevalent? You figure it out because the last time I checked, it was up to the indivdual who was a victim to get it straightened out and in the meantime, suffer the consequences of the inability to get credit or rent an apartment, get a job and settle for an overblown interest rate and fees on top of fees, oh but we can still get a ‘pay-as-you-go phone and rent-to-own furniture, but try to stay away from the ‘Title Loan’ company, we might just need that car to live in.