“America Wants A Fair Shot”

Just Because We're Keeping Your Jobs in China Doesn't Mean I Should Lose My Job.

Let us pretend we are a fly on the Oval Office wall. President Barack Obama sits at his desk writing his State of the Union Address. Like all great presidents, he fancies himself something of a speech writer. Alas, his ability doesn’t measure up to his self image, and he is stuck on a phrase.

Americans want a New Deal!” he says with a happy grin.

Can’t use it,” says Hillary Clinton. She lounges sideways on an antique armchair. Her back rests upon the arm of one side, as her knees drape over the arm on the other side. Her attention is focused on filing her nails.

I’m the fucking president,” Obama declares. “If I can order drone attacks, I can use ‘New Deal’ in one of my speeches.”

Can’t,” Hillary argues, pausing to blow on a cuticle. “Roosevelt used it. The Republicans will accuse you of class warfare if you try to bring it back.”

You got a point,” Obama reluctantly agreed. “I’m not going to keep this cushy job another four years without Republican support.”

Don’t want to screw up the gravy train,” Hillary advises. “You can think up something better.”

The Leader of the Free World falls into a sullen silence, broken by the skritching of Hillary’s nail file. Suddenly, the world famous grin spreads across the presidential visage. “I got it!” he declares with a wave of his forefinger. “America wants a ‘Fair Deal’.”

Can’t use it,” Hillary repeats with a sad shake of her head.

What? Now you’re going to tell me that FDR used that one too?” the president groused.

Not, FDR, Truman,” Clinton corrects him.

Well what’s wrong with that?” the president asks, sounding annoyed. “Every one loves Harry Truman. Why the last time I saw Queen Elizabeth, I overheard her muttering, ‘how I miss Harry Truman’.”

Harry Truman was one of those freaks who always told the truth,” The Secretary of State reminded her boss. “You don’t want to drag his name into this administration.”

Obama freezes to let that thought seep through the executive skull. “Yeah,” he admits as he relaxes into his padded swivel chair. “Even American voters will catch the irony of that one.”

Remember, it was irony that brought down Nixon,” Hillary reminds him.

That whole ‘I am not a crook’ thing,” the president agrees. He takes a deep breath and points to his Secretary of State. “Why don’t you think of something?” he commands.

I’ll give it a shot,” Hillary agrees.

They both freeze as the same idea hatch in their minds. The president rises halfway out of his seat while Hillary swings her legs off the chair and stands. “Fair Shot!” they laugh in unison.

Obama takes on a presidential pose. “Americans want a ‘fair shot’,” he deadpans.

It’s perfect!” Clinton squeals, clapping her hands and giving a joyful little jump. “It sounds so free markety.”

Americans want a ‘fair shot’,” Obama repeats. “I am so fucking brilliant!”

Secretary of State

I Can't Believe the Voters Let Me Get Away With Everything

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How To Sell A Subprime Mortgage Part Two: Finding the Customers

Ding Dong, Free Money Calling

Ding Dong, Free Money Calling

There I was, a brand new loan origination officer without the first idea of how to originate a loan. It took me a few weeks to figure out that Aames Home Loan hired me because I had years of phone experience and absolutely no mortgage experience. This was not the difficult situation you might think. At the time I had been a telesales professional for nearly fifteen years. I had sold everything over the phone from newspapers to time shares. It was a matter of using established skills and fudging while filling the gaps in my education.

By now many of you are wondering what the real estate board was doing while a total ignoramus like me was busily trying to originate loans. Unfortunately the real estate board had no control over Aames, because Aames Home Loan was registered and regulated through the Bureau of Corporations. Real estate loans were being sold independently of real estate law. Licensed real estate brokers expected their loan originators to have real estate licenses and to conduct business under the real estate board’s code of professional ethics. The Bureau of Corporations didn’t have a code of ethics to enforce. Of course the fraud laws were enforced, but unless a customer made a complaint, who cared? As far as my bosses were concerned, the only thing that mattered was originating a loan. This was my first exposure to Wall St.’s one and only commandment: Thou Shalt Not Get Caught.

Finding Customers

An important part of my duties as loan origination officer was to find customers to originate loans with. That was also not a very difficult task. I joined Aames during the last year of the Clinton Administration and the tech bubble had not yet burst. Many people felt prosperous but carried tremendous credit card debt. Most dotcom CEOs didn’t have any cash assets and bought everything on credit. They assumed that their stocks would keep up with their debts.

Other people were caught in the Clinton recession. Outsourcing and high interest rates kept their wages down while inflation ate up the value of the dollar. Credit cards were the difference between eating at the end of the pay period or visiting the food bank. Many of those customers saw a subprime loan as the logical strategy to save their failing credit scores. They could get a subprime loan to pay off their credit cards. When their scores improved, they could refinance again for a lower interest rate. Rapidly increasing property values guaranteed there would be enough equity for another refinance in a couple of years. At least that’s what they thought.

During the first few months of my subprime career, I had enough call-ins to assure that I made my weekly quota. However answering the phone was not my prime duty. I was supposed to get on the phone and telemarket for customers who were not calling in. There were two reasons for this. First, very few subprime loans got through the underwriters. By the middle of the month I would have over twenty loans in my pipeline. By the end of the month only one or two of that twenty funded. Second, Wall St. owners did not care that the underwriters killed most of our loans. They needed more, more, more, because they had squandered Aames’s cash reserves and sold off all their loans to make up the difference. They had to keep selling mortgages on the front end and discounting them to other lenders on the back end in order to keep solvent.

Soliciting Business

Now I am going to reveal one of the most carefully guarded secrets in the universe. Yes, dear readers, I am going to tell you how telemarketers get your phone numbers. I started out calling from Aames’s own mailing lists. Every week I received a huge packet of names, addresses, and telephone numbers that Aames had been compiling for the twenty odd years of its existence. Now, remember that this was a Wall St. company. They did not send me the updated lists. My lists came out of the archives. Many of the names were of people who were no longer upon this veil of tears. One very prominent name on the list was Larry Fine of the Three Stooges. I asked the district manager why I was calling from the archives, and he replied that the archive files were bigger and had more names. I pointed out that the archives were full of wrong and disconnected numbers. He replied that some of the wrong numbers might become loans. This was my first exposure to Wall St.’s favorite word: might. Wrong numbers might become loans. People might change their minds if you have the loan originators calling them every ten minutes. Some of the most incredibly stupid ideas and orders were justified by the word might.

From the time I started the job until a few months after the crash of 2000, I got enough originations to keep even a Wall St. manager happy. They were mostly from people who called in. This was good because I was still learning about mortgages. Later I discovered that title companies provided free calling lists for subprime lenders. They proved to be the perfect calling lists, with the customer’s interest rates, what companies sold their mortgages, and who had already refinanced withing the last few years.

There were about four or five subprime companies with much higher interest rates than Aames. I could ask for lists of people with mortgages from those companies. I could also ask for a minimum interest rate, and the title companies would open up their records and give me all I asked for. It was almost like picking my perfect customers. I could also ask for areas outside of Aames’s usual calling areas. I chose areas around Lake Tahoe and up north toward the Oregon border. The property values were lower so the commissions were not tremendous, but people in the wild west needed subprime mortgages too.

Eventually I went to city hall and paid for my own lists from foreclosure records and current tax records. Those cost about sixty cents a name. This gave me a pool of home owners off the Aames list and who had not been contacted by Aames. Once again I had the advantage. Aames badly wanted to make loans in Oakland because of the inflated property values. Falling down shacks were being appraised at over a million dollars. Of course this was all part of the Clinton bubble that was slowly deflating even back then.

The Back Door.

Now, you might think that with all the applications I was taking, we would be writing loans left and right. Nothing is farther from the truth. I think that the highest output the Aames Oakland office ever wrote was five loans in a month. This is because Aames changed their management, their advertising, their marketing, and their sales cycle, but they could not change their underwriters. Aames was using the same underwriters as when they were privately owned by a family named Judah. These underwriters were a very conservative lot. They were looking for high interest variable loans that could be refinanced as a lower fixed rate. Anything outside those very strict guidelines were examined under a microscope and generally rejected. Even variable to fixed rate loans were rejected for any number of reasons. The most common reasons were income or FICO score.

A common way of getting around the underwriters was to share applications with other subprime companies. If the loan looked good, but the underwriters rejected it, another subprime company’s underwriters might accept it. There are no standards in underwriting. As long as the underwriters don’t discriminate they can accept or reject any loan for any reason. It all depends on how much risk their mortgage banks are willing to take. Applications (known in the trade as paper) were swapped all the time. It was common and acceptable practice. Aames had a rule against it. Their reasoning was that the customer’s situation might change some day and we might get the loan if we resubmitted it in a few months. Considering that FICO scores drop faster than they rise, one has to marvel at the logic behind the decision.

This did not stop paper from being swapped from the Aames office. It was simply done behind management’s back. Once again only one rule applied: Thou Shalt Not Get Caught. Besides, Aames was more than happy to submit loans we picked up at the Back Door. The worst thing about it was that I didn’t get paid on any of the loans I originated which disappeared out the Back Door. Considering how many loans the Aames underwriters turned down, I hate thinking about how much money I generated for Beneficial and Countrywide that I never got paid for.

Loan Farce

Needless to say, Aames management was ready to gnaw off its collective legs because of all the loans that fell out of the pipeline. The logical thing was to expand their pool of mortgage banks. There are no rules that say a bank or corporation can’t deal with more than one mortgage bank. Either the Aames management was too stupid to think of it, which I almost doubt, or the other underwriters were not willing to work with Aames. Considering some of the crooked things I heard come out of other mortgage companies, I doubt that as well. Regardless of the reason, the Oakland office never generated more than five or six loans in any given month I worked there.

Dumping on the sales teams was management’s solution to everything. If loans kept falling out of the pipeline, it was because we were finding the wrong customers. The most amazing orders came out of the main office. For instance, we were to try to find people with B credit or better. Nobody told us how we were supposed to know their FICO scores before we pulled them. It was still our fault for not knowing. Another management obsession was the property values in Oakland. The tech bubble had expanded across the bay from San Francisco to Oakland, and property values had expanded to rival San Francisco’s. Falling down shacks that had been worth about ten or twenty thousand a few years ago were appraising for 100 thousand or more. These too-good-to-be-true property values had Aames managers slobbering like dogs in front of raw steaks.

Oakland is populated by poor minorities who were too smart to risk their homes. I had more than one Oakland homeowner tell me that he did not believe these property values. Others told me their mortgages were either paid or almost at their last payments. These people were too smart to go back into debt. The Aames managers were not about to take no for an answer. They kept up the pressure in Oakland until Aames became a very unwelcome name. Local consumer rights organizations targeted Aames as a predatory lender. What gave them their first clue?

Aames’s obsession with Oakland culminated with the institution of Loan Force. Loan Force was a retooling of the famous Sales Force software. I have worked with Sales Force in subsequent jobs and found it to be an excellent product. I could not recommend Sales Force more highly. Unfortunately it was a disaster in the hands of the Aames management team. The first things those geniuses did was load the software with the same beat up names and phone numbers that I was forced to use when I first started. They were exactly the same. The late Larry Fine’s name and phone number was still on them. Of course the first load of leads was Oakland. Oakland homeowners were so sick of being called that they just hung up on me. I ignored Loan Force (which we quickly began calling Loan “Farce”), and went back to my own lists.

Soon I got a nasty phone call from the district manager for not using Loan Farce. It seemed that he had nothing better to do than to monitor everybody through his master screen, and make sure everybody was working. I once again complained about the lists he was making me use, and again pointing out that Larry Fine had been dead since 1975. The district manager replied that I could easily have my own lists uploaded to Loan Force. He gave me the number of the person in charge and told me that it would only take three days to upload them. I called the person in charge. She said it would take two months to upload them. I called the district manager back and he refused to listen to me. He ordered that it had to be done in three days so it would be done in three days. I told that to the person in charge of uploading the lists and she laughed at me.

Loan Farce reached the peak of idiocy the next day, when the regional manager had every office in California call Oakland. The poor Oakland homeowners were getting a call from Aames every twenty minutes. The people who bothered answering responded somewhat vocally. Some of the things they told me to do were anatomically impossible. This time I called my regional manager about it. The regional manager was actually competent, but was helpless in the face of the district manager. The regional manager said “maybe they will change their minds between phone calls”. That had to be what the district manager told him to say. Several weeks later, he quit.

At that point I was looking for a new job as well. I figured out how to make my quota by making the regional think I was using Loan Farce. I called from my own lists and marked off the calls on the Loan Farce list. I was still able to work effectively while humoring the regional manager. When I got an application from Truckee when I was supposed to be dialing Oakland, I just told them it was a call back. They accepted it. After all, the rule was, Thou Shalt Not Get Caught, and they really weren’t looking very hard.

Just Reach Out and Take It

Just Reach Out and Take It


Got Hope?

Got Jobs?Got Jobs?

For me, watching Barack Obama win the White House has been like watching a train wreck. The worst thing about it was the feeling of helplessness. Nothing I could do or say could have changed this election, and McCain would have been as bad for the nation as Obama. Having been in sales for as long as I have, I instantly saw Obama’s public relations value. From a purely public relations POV, Obama was the perfect candidate. He had black skin but he was raised in white European culture. Obama has more in common with a Republican lawyer than he does with any average voter. Yet, I have watched the spin doctors turn Obama into liberal America’s darling.

In the last three months since the inauguration, Obama has done things that would have had the rest of us howling had Baby Doc Bush done them. So far, Obama voted in favor of sheltering the telecoms who turned personal information over to Homeland Security. Obama broke his promises to raise the capital gains tax and end the Bush tax cuts. There is also an undeclared war going on in Pakistan which Obama authorized. Then there is this idiotic bailout . If Bush had done any of this, everybody would be screaming in outrage. So why does Obama get a free pass?

Maybe we are not holding Obama accountable because we have a huge emotional stake in his presidency. Twenty eight years of constant neocon rule has taken its toll. We as a nation want change so badly that we can taste it. These are the sort of emotions that Freud’s favorite nephew, Edward Bernays, loved to exploit. Bernays exploited poor self image to sell cigarettes and fear of alien cultures to sell the Cold War. There is a lot of heavy emotion associated with the Bush administration. There is the anger at being lied to, there is grief at the lives being lost in the Middle East, and there is the fear at the deteriorating economy. All of these churning emotions are so easily channeled through the simple two word phrase, “Got Hope?”

The paradox of sales is that originality in advertising rarely sells. The successful advertisement follows the same patterns, and we the consumer have been conditioned to follow those patterns. Let’s look at the original “Got Milk?” TV ad.

See what can happen to you if you don’t have enough cow juice on hand? This commercial was the first in a series of commercials that increased milk sales by over seventy percent. It was the first increase in milk sales in decades! It seemed fresh and funny but followed the traditional patterns. There was a funny vignette where the hero faces a heartbreaking loss because he didn’t have enough milk on hand. To quote the article I linked to:

Goodby’s team fielded qualitative research and learned that many consumers indeed linked milk with sweet, sticky snacks. Pushing further, the researchers flipped around the question: how do people feel when they’re eating something that demanded milk to wash it down, but don’t have milk in the house? Focus group respondents placed in this situation were upset, they felt deprived. They were able to convey viscerally the feeling of having a brownie or cookie remnants stuck in their throat, calling out for a gulp of milk to cleanse the palette.

In the best Bernays manner, the commercial uses the fear of deprivation to sell milk. Fear of not having something important or otherwise is a powerful sales tool. Next time you speak to a financial planner notice how he uses fear of an impoverished retirement to sell you an annuity. That’s how Bernie Madoff did it. He frightened his victims as to what would happen if they failed to invest for their retirements and commenced to make their fears come true. The commercial does the same thing. Only it is fear of a different sort of loss that sells milk.

Then there is the slogan that caught on like wildfire. Once again, quoting the article I linked to:

Goodby and his team used this consumer insight as the spark for what came to be called the deprivation strategy: rather than selling milk as a complement to certain foods, instead the strategy became to remind milk drinkers of the anxiety and disappointment that came when milk wasn’t available at crucial moments. Working to distill this milk-deprived emotional state into a phrase that everyone might instantly understand, Goodby coined the campaign’s well-known grammatically-challenged tagline, ‘got milk?”

It is the ungrammatical use of the word “got” that made the tagline so effective. The ungrammatical use of “got” caught the attention and held it. It was both short and memorable. It was perfect. It got to the point all a person had to do was see the tagline and all the fear of deprivation would jump out of the subconscious. These “Got Milk” signs popped up all over the nation.

got-milk-scented-bus-shelte

Since originality rarely sells, other products jumped on the bandwagon and the country was inundated with slogans like “Got Game?”, “Got Retirement?”, or even “Got Jesus?”.

got_jesus_1400x1050

There were even jokes and parodies. You can still find this T-shirt sold on the Haight-Ashbury district in San Francisco.

got-pot-tee-shirt1

The “Got Jesus” campaign rode the success of the original commercials. The “Got Milk” campaign set it all up for the Christianoids. Just looking at the “Got Jesus” slogan got people thinking of all the horrible things that could have happened to them if they lacked Jesus in their lives. The “Got Pot” parody helped keep the slogan alive and in the public subconscious. The more “Got (fill in the blank)” is used the more effective it becomes. This leads us to the Obama Campaign.

got_hope_vote_obama_tshirt-p235792798030844249qm6x_400

This must be the most effective campaign slogan ever used. It’s an old and established work horse. It has been used to sell everything from milk to religion. It is one we have grown to know and love and we all respond to it if we admit it or not. The sad fact is that we all “Got Hope”. We all have hope that Obama will turn the economy around. We all have hope that he will end the unconstitutional detainments in Guantanamo. Some people have so much hope that they are stating that Obama has already released the prisoners in Guantanamo and ended the war in the Middle East, despite all the evidence to the contrary. Obama has announced a timeline to release the prisoners and so far that is it. Obama is stepping up the war in Afghanistan while making a token show of slowing down the Iraqi war. Three months into his administration and the nation is still in the same situation it would be in if McCain won the election.

Hope is a very powerful emotional condition. People with terminal diseases have been known to continue to hope for a miracle cure as they lay dying. People in hopeless situations tend to hang on to hope as a means to hang on to their sanity. Hope, like any other emotional situation can be exploited by the public relations trade. People are supporting Obama despite the evidence because they are afraid to be deprived of hope. Right now Obama can break into their homes and rob their liquor cabinets, and they would not prosecute because they are afraid of losing their hope. “Got Hope” has caused a psychological confusion between Obama and the changes we are hoping for. It is as if without Obama the changes are impossible.

The worst thing about it is that we are still being sold. Everyday after work I go to the Barnes and Nobles cafe for a cup of tea, and every day I see more and more Obama promotional merchandise. Mugs, books, biographies and commemorative picture books are being hawked long after Obama has won the election. Promotional merchandise is not cheap to promote. The ghost writers and the behavioral scientists that put them out have to be paid up-front. The money you pay at the cash register barely covers the cost of production and distribution. If they are paying on the front end and not regaining the cost on the back-end, all this promotional garbage must be an investment. So my question is what are they going to try to sell us next?

Now What Excuse Will We Use to Invade Iran?

Now What Excuse Will We Use to Invade Iran?




How Pundits Lie

Not The Grumpy Old Man

Not The Grumpy Old Man

I am making myself very unpopular by criticizing Barack Obama.  I have been called a racist for criticizing him.   I have been called an alarmist.   I have even been compared to Sean Hannity, which really hurts.   A neighbor told me that I am not being fair.  After all, Obama has not even been sworn in yet.   He has not even had the chance to screw things up yet.   From my point of view that’s like telling me not to run away from the guy with the open buckets of gasoline and a lit cigarette.

Obama is not only surrounding himself with the worst of the Clinton Administration, he is surrounding himself with the worst of the Bush war criminals as well.   He wants Robert “The Surge” Gates to continue as the Secretary of Defense.   How is this change?   They are popping the champagne in Beijing with Hillary Clinton as Secretary of State.  That is a pretty good indication that jobs are not going to return to American soil under Obama.   Rahm “NAFTA” Emanuel, Lockheed’s trained monkey, is going to be Obama’s chief of staff.   This does not look like change to me.  This looks like a rerun to the bad old days of the Clinton Administration, when homelessness flourished while public money was invested in junk stocks.  Yet when I point this out, I am accused of being Sean Hannity.

The problem here is that Sean Hannity is telling the absolute truth.  In this age of universal deceit, there is no better way to lie than to tell the truth.   If Hannity lied, he would be lumped in with the Sept. 11th conspiracy nuts, and the legions of other rumor mongers.  By telling the truth, Hannity is standing out from the rest of the crowd.   He is singling himself out for national attention.   Any imbecile can claim that Obama turned in a false birth certificate, but it establishes credibility to point out that Obama is crewing the ship of state with the same band of cutthroats who brought us the Tech Bubble and the disastrous Financial Reform Bill.   Then, after capturing our attention with the truth, Hannity follows up with a real whopper.   He makes the idiotic claim that the Republicans are better than the Democrats.

Those of you, like myself, who prefer to exist in consensual reality, are probably already aware that the difference between Democrats and Republicans is the difference between AIDS and lung cancer.  Both are an eventual death sentence; the only real difference is the pain you experience as you waste away in misery.  Yet Sean Hannity will tear down the Democrats, and point out every mistake made by the Democrats, while ignoring the fact that the Republicans made the same damned mistakes. Hannity will tear Nancy Pelosi to ribbons, while ignoring the fact that Pelosi voted for everything Baby-Doc Bush ever asked for.  Hannity will accuse the Democrats of spending money on “wasteful” public programs, and will forget that Bill Clinton joined with Newt Gingrich to rip the social safety net to shreds.   Since 1980, the Democrats and the Republicans have been working together for the benefit of the multinational corporations, and it seems that nobody really notices thanks to Sean Hannity.

The Democrats became the party of the poor and the downtrodden back during the early part of the twentieth century.  As the labor movement grew in strength and popularity, the unions sought a political party to represent their interests.  The G.O.P would have nothing to do with either labor or the immigrants who comprised the labor movement.   By the time FDR was elected, unions were strong enough to influence the New Deal and made economic recovery possible.  However, years of prosperity weakened the unions, and labor influence in the Democratic Party waned until Reagan entirely broke union influence in the early Eighties.  Still, people insist on believing that the Democrats support labor and working people, even after Bill Clinton signed the original legislation that send our jobs out of the country and killed labor in the United States.

So there is Sean Hannity telling the truth about the Democratic Party, and Democrats arguing with him despite the evidence of the last 28 years.   The Democrats are arguing that they are different from the Republicans even after Nancy Pelosi took impeachment off the table.   Republicans are arguing with Democrats even after Bill Clinton showed his true colors and openly joined with the Republicans.   This is why I say that we can expect the exact same disasters from Obama that we could expect with McCain.

Barack Obama was the perfect Democratic presidential candidate. He is a dark skinned man who was given the kind of upbringing that is usually reserved for very privileged European Americans.   He grew up with middle class values. Despite his books, I cannot see him really identifying with his supporters.   Poverty is too far out of his experience. When he went to school abroad, he was home schooled or went to English language schools.   He grew up in his mother’s white American social class The fact that the Democrats and their corporate sponsors were forced to support a candidate of African descent is a good indication that the power balance is shifting.   The powers that be are on the verge of total economic collapse.  They need us to keep listening to Sean Hannity and pointlessly arguing with each other over two parties which are now exactly the same.   That’s the only thing that is keeping them in power.

Hannity’s purpose is to deflect objective criticism on the Democratic party and to maintain the illusion that there is an actual difference between Democrats and Republicans.   Hannity encourages us to support or oppose a president who has promised us change without outlining what the changes are going to be or how change is going to be implemented.   Hannity prevents us from giving negative feedback on the terrible choices that Obama is making for his staff and his cabinet. The left is being distracted by arguing with Republicans over the non-virtues of Democrats. We cannot afford to wait and hope that Barrack Obama comes riding out of Washington on his white horse to rescue us all.  It is up to us to rescue ourselves and the first thing on our agenda is to tell Obama that Gates, Clinton, and that rabid weasel Emanuel are not acceptable choices.   We, the people, are the bosses here and its damned all time that we acted like it.   Barack Obama works for us.  We need to remind him of that, even if we find ourselves agreeing with Sean Hannity.

Neither of Us are Sean Hannity

Neither of Us are Sean Hannity


We Interrupt This Blog

Spare Change?

Spare Change?

I am interrupting my series on Libertarianism to publish a letter that I am sending the Democratic National Committee.  I got a letter from them the other day asking me for money.  They think I should give them money simply because Barack Obama promises change.  Personally, I think it is the height of idiocy for millionaires to be asking me for money.  He’s a corporate candidate. Let the corporations pay for his campaign.  Me? I have a family to support, thank you.  I have a wife and kid in very bad health, and I’m still waiting for the National Health the Democrats promised us all the way back in 1996.

So rather than send them money, I used their self addressed stamp envelope to send them a letter.  Here is the text of the letter:

Democratic National Committee

re: Job Performance Review

I regret to inform you that I have been forced to turn down your request for funds due to your poor job performance.  The Democratic Party has totally failed to represent the interests of the People of the United States since Jimmy Carter left office in 1981.  The Democrats have joined in with their Republican colleagues to further the goals of Corporate donors to the detriment of the rest of the country.  The entire United States is suffering from it.

The eight years of the Clinton Administration are the perfect example of how the Democratic Party has failed to represent the interests of the American voters.  Clinton promised us a national health plan. Twelve years later we have not yet received our national health plan.  This is a direct breach of trust.  Since Clinton, a Democrat, has grievously lied to the American public, why should we trust anything any Democrat promises? Clinton is also the president who signed NAFTA into existence and then commenced to join with the Republicans to tear our social safety net to pieces.  Clinton also signed the Financial Reform Act which led to the tech bubble, the stock market crash of 2000, and the recent mortgage meltdown.  Clearly, in his own way, Bill Clinton has been as big a disaster for this country as four years of Bush senior and eight years of Ronald Reagan.  Why should anybody trust Barack Obama simply because he is a Democrat?

The United States of America has illegally invaded and occupied a foreign country and Barack Obama has not yet presented the voters with a withdrawal plan.  I refuse to support any candidate who does not present a comprehensive plan for withdrawal.  Obama’s energy plan is twenty years out of date, and will be an ecological disaster. He is ignoring global warming, and after Three Mile Island and Chernobyl, only and idiot would support nuclear energy.  On top of every thing else, Obama’s health plan benefits nobody but the HMO carriers. I see no difference between McCain and Obama.

Furthermore, in 2004, Barack Obama joined with Barbara Boxer and other Democratic Senators to protest the counting of the Ohio votes.  Obama promised the American people an investigation of the voting irregularities.  In 2008, that investigation has not yet happened.  According to the records in Project Vote Smart, Obama has not voted on any of the major issues that he has promised to change.  He has either been absent or he has abstained from voting.  Do you really think that I am going to believe a word Obama says?

Barack Obama represents 28 years of Democratic collusion with the Republican party.  From the Democrats who refused to stand up to Reagan’s insane economic policy, to Nancy Pelosi taking impeachment off the table, the Democratic party has completely failed to represent the people of the United States.  Therefor I have no choice but to terminate you as my political party of choice.  Please remove my name from your membership rolls; please do not send me any more pleas for money that you do not deserve.  I am not voting for Barack Obama any more than I would have voted for Hillary Clinton the WalMart Queen had she won the nomination.  I am not allowing fear mongering to affect my decision.  As I think that Obama will be as big a disaster for this country as McCain, I am voting for a third party to show my displeasure with your poor performance.

Democratic Party, you’re fired!

Please feel free to cut and paste this letter and use it on your own blog or egroup. If you like, you can copy it and mail it to the Democratic National Committee:

Democratic National Committee
430 South Capitol St. SE
PO Box 96585
Washington DC 20077-7242

There is never a good or ideal time to force change.  There is never a safe time to stand up and be heard. The Democrats have not been working for the majority of their members.  It’s time to tell them that we want real change or their jobs are off the table.

There is a wonderful organization out there called Peace Action West, which has forced Congress to listen to the American Public, and engineered the defeat of Bush’s nuclear weapons programs.  Visit their site, take a look at their congressional scorecard, and if you have a few extra bucks in this economy, donate. They perform miracles on a shoe string budget.  Check them out.

A Pair of Struggling Millionaires

A Pair of Struggling Millionaires


What Are We Hoping For?

No Hope Here

No Hope Here

Alright, I was wrong. Hillary Clinton will not be the next POTUS. I guess the memory of her husband’s misAdministration is too vivid in the national memory for a Clinton rerun. Maybe the American people are regaining the brains they lost during the Reagan campaign. They are not voting for the wife of the crook who signed NAFTA into existence. Maybe the people who just lost their homes remember how Bill Clinton destroyed the social safety net . I most certainly remember that Bill Clinton signed the Financial Reform Act of 1998, which was a major factor in the stock market crash of 2000 and the mortgage meltdown of last year. Whatever the reason, the wife of the crook who pulled the great National Health boondoggle will not be president.

So now we are going to have Barack Obama as our next POTUS. I know that he is going to be the POTUS because McCain’s divorce has been all over FOX McNews and CNN. If McCain was supposed to be POTUS, his divorce would be sat on like they sat on Poppa-Doc Bush’s connection with the Moonies or Baby-Doc Bush’s coke habit. The morally hypocritical American voter would never vote for a divorced president. Look at how the Democrats have been whoring themselves to the religious right. So we are going to have a Black candidate for POTUS and his slogan is “Dare to Hope”. Okay, what is it that we can dare to hope for?

Presidential Administrations follow a certain pattern. The Republicans come into office and rape and ruin the economy and then the Democrats come in and are forced to make some very unpopular decisions in order to repair the economy. Sometimes these are long term decisions. For instance, Jimmy Carter ascended to the Oval Office after 6 years of Nixon and two of Ford. The economy was being strangled from the results of the Vietnam War and the job market was being choked by returning vets. Carter had to raise the interest rates to slow inflation, raise taxes to restore the treasury, and give tax breaks and special low interest business loans to encourage new industry and new jobs. Four years later, the Reagan team took over and took credit for all of Jimmy Carter’s unpopular work.

Barack Obama is going to take over the Oval Office at the end of the Bush misAdministration. Need I say more? Bush has led the crookedest administration since U.S. Grant. Obama will take charge of a treasury that has been utterly raped through corporate welfare, faith based initiatives, irrational taxation, and the Iraq war. The treasury has been so badly depleted that the U.S government has been forced to sell our interstate highways and bridges to multinationals just to make payroll. Oil consumption has passed critical mass years ago. Obama’s energy policy made perfect sense 20 years ago, but today it’s too little too late. Since our GNP is held together entirely by oil production, Obama is looking forward to massive inflation as the dollar devalues. Only an idiot would want to be president after Bush.

Jesus Christ and all Twelve Apostles could not repair the mess that Bush will leave behind. It may appear that Obama can walk on water, but the truth is that he is only another politician. I do not expect him to do what needs to be done to clean up the mess. I do not expect Obama to stand up to the multinationals that have sucked the wealth out of this nation. I do not expect Obama to stop corporate welfare or to even force corporations to pay their fair share of taxes. The president does not possess a magic wand to make there be more oil. Oil prices will continue to rise as extraction and refinement become more and more difficult. As oil production drops, so will the value of the dollar. Since we cannot expect big business to return industry to American soil, the economy will go totally to hell.

So while Obama tries to repair the damage, he is going to have a Greek Chorus of Republicans telling us how things were better under Bush. Obama gets to take the blame for eight years of corporate welfare and subsidizing Christianoid megachurches. He will take the blame for the coming oil shortage, even though there is enough blame for that to go all the way back to the FDR Administration. The U.S. will undoubtedly attack Iran in order to maintain the dollar, and Obama will get the blame for that as well.

Then come 2012, and the Republicans will strut around like peacocks, telling us what a hero G.W Bush was. They will tell us that we should never have elected a Democrat. Bush will have done all the damage, but Obama will get all the blame.

The Republican's Fall Guys

The Republican's Fall Guys


Let the Follies Begin

Twin Siblings of Different Parents

Twin Siblings of Different Parents

Who here actually believes that the next president is going to be any more legitimate than the last president? If the voting machines were rigged to give us 8 full years of the Bush misAdministration, what makes you think that a Democrat is going to be legally elected? Oh, we are going to end up with a Democrat in the White House in 2008. I Have no doubt about that. If McCain was meant to be president, the news services wouldn’t be pushing his divorce so heavily nor would they be emphasizing Obama’s stable relationship. I cannot remember the last time Hillary Clinton had been embarrassed by a Monica joke. I think that the fix is in. We are going to have a Democrat in office in 2008 for all the good it is going to do us.

Yet the Democrats seem to be playing along with this. Take a good look at the 2004 election. The Democrats were playing that one to lose. Who was running? John Kerry and Howard Dean. Neither candidate promised to end the Iraq war. Neither candidate promised to levy fair and just taxes on the corporations. Both candidates were in favor of restoring the draft. John Kerry’s wife is a mover and shaker in the Republican party and John was famous for voting for everything that Bush asked for. Dean, as former governor of Vermont, automatically gets a seat on the board of directors of National Life of Vermont. I used to be an agent for NLV. I remember that when the Iraq war started, one of their top agents made his staff recite the Pledge of Allegiance before meetings. The fact that Dean is now head of the Democratic National Committee shows there is collusion going on between the two parties. Is there any other reason that Pelosi took impeachment off the table?

In the 1992 presidential campaign, Bill Clinton promised us a national health plan. We did not get a national health plan. Clinton palled around with Newt Gingrich and screwed us out of our social safety net instead. I bet a lot of people who were cheering about all those welfare mothers having to get jobs see things differently now that they are the welfare mothers. These are the people who are cheering Obama because the want change. I’m sorry to break this to them, but Obama is not going to bring us any change. If Obama was going to bring change, he would not be on the ballot. I hear that Hillary has been acting like the queen of the Democratic Convention. Why not? I think that she had been promised the presidency when Bill left office. That’s why she became the senator of a state she barely stepped foot in before she ran for office. Hillary Clinton is not the Senator from New York. She was never from New York. She never lived in New York before she ran for the Senate. Hillary Clinton is the Senator from Wal-Mart.

Regardless of which one of the Democratic Bobbsey Twins wins the nomination, all we are going to get is more of the same that we got from Clinton. The next president is going into a government which has been bankrupted by the current misAdministration. Clinton or Obama will try to raise taxes on the middle class while continuing to give tax-breaks to the corporations. Can you really expect Chevron to start paying its fair share after not paying any taxes in 8 years? Do you really think that Microsoft and Google are really going to stop outsourcing their tech jobs and pay a living wage to U.S workers? Do you really think that either Obama or Clinton will put their feet down and do what has to be done to save the status quo? Personally I doubt it.

The Bush misAdministration has run America into the ground to the point where they are selling our national highways and bridges just to make payroll. Outsourcing has destroyed our industrial infrastructure so that only oil production is keeping our dollar afloat. Without industrial jobs or a social safety net, only the black market keeps most of our poorest eating. I strongly doubt that either Clinton or Obama is going to end the Iraq war. America needs those oil fields to keep our GNP up and the dollar solvent. Without oil production, corporations might have to lose profit by bringing jobs back to America

The only differences between the Democrats and the Republicans is that the Democrats are telling us what we want to hear. This is why I am not voting for either of them. What possible use is it to choose between two corporately approved candidates who are not going to do what is needed to get us out of this mess? I want change but I’m old enough to know that I am not going to get it now. I don’t care if McCain wins because at least McCain is honest enough not to whisper sweet nothings in my ear before he screws me. So I am voting for a third party candidate because it is the only way to vote against corporate domination in American politics.