Archive for the ‘Usury’ Category

Gimme Back My Bottle

Hello.

Got a cold? A terrific headache? A random old person muscle pain?

Well, screw you! SUFFER!

The FDA wants to make medications that contain acetaminophen by prescription only.

Because Americans can’t read labels. Because we need the FDA to tell us what to do and how to live. Because rational decisions should never be left to the great unwashed.

So if I have the flu and I want to grab something to relieve my symptoms, because 1600 people annually refuse to believe the dosage limits, I have to pay to see a doctor, and inflated prices to get it from a pharmacy?

It as great big scheme. A definite money maker to be sure. Everyone gets a twinge or a headache. I don’t know too many people in my line of work who don’t carry pain relievers on their person. Usually giant bags of it . That doesn’t mean we’re tossing them back with abandon or snarfing them down every fifteen minutes. The reason people overdose is because they are impatient or have not taken the meds with enough water to make them break down and begin to work. Those are the Morons who should  have every one of their decisions monitored. The rest of us can read. And think. And function quite well without 24 hour supervision by a government agency known for corruption and kickbacks, thank you.

Stop trying to regulate us to death. We don’t need a bloated group of greedy bastards to determine the collective level of common sense. Americans are smarter than we are given credit for. Well, mostly. Our politicians are making it hard to back up that statement but the rest of us are just fine. Mostly.

Hey here’s an idea, why don’t we start actually regulating the regulators?  The FDA pretty much does as they please in the interest of ‘public health’. As long as it will inflate their bank account.

If they’re so good at their  job why is there a never-ending supply of E. Coli in our food?  They are the FOOD and Drug Administration aren’t they? Start there zipperheads and then worry about Grandpa choking down a Tylenol for his back pain.

Dogwoman

Bailout, Schmailout.

Hello.

I’ve managed to slip my chemical leash and I am back, ready to kick some politician butt. Rendition, my Aunt Fanny.

Just kidding. I’ve been stuck playing the never-ending literary quiz over at Goodreads.com. I just wanted to sound all spyish and less like a complete dork.

To the topic at hand: Bailout Bill.

Complete load of hooey. Expensive hooey at that.

Why would We the People want to reward greedy men and women for ignoring the warnings that have been going on for over a decade? We were told repeatedly in the early nineties that if the credit industry was not reined in this would happen. Guess what? They were right! Surprise! And since the explosion of monetary gain has been by the top three percent, why would the other 97% of us want to work harder to pay off their debt ? We don’t, so suck it Congress. We are already working like dogs just to maintain the little we have. Under no circumstances should we allow the richest people in the country to pass their debt to us. The ‘lower’ classes do not exist as a slave class to take on the burden of the greed of the upper classes.

Also, as long as I am ranting mindlessly, let me say something that has been making my fur stand on end. Why are they blaming low-income homeowners for this debacle?  There were programs instituted by Fannie Mae and Freddie Mac that allowed for sustainable home-ownership for lower income families. At the time of their inception these programs were used to revitalize neighborhoods and were taken on by working class families in an economic environment that allowed people to work and see a return on that work. As mass layoffs began and income to living wage ratios fell in the last eight years, those families began to struggle under the weight of a top heavy economy. They did not, as has been postulated, take on mortgages they could not afford. They took on mortgages they could afford until gas prices, due to excessive profits, risky investments, and speculation began to spiral out of control. This spiral has led to outrageous increases in pricing for everything throughout the country. And the mass foreclosures began.

The biggest drain on our economy has been the two wars we are concurrently waging. But it seems no one wants to mention that. They’d rather point to those who can least defend themselves and blame them.

Well, I blame those who,even after the lessons learned in the Savings and Loan disaster, began creating private equity firms and hedge funds. Those two things helped spur the original financial meltdown in the 80’s. Because of  a government bail out then, the greedy bastards ignored warnings and started up all over again. Those same people should be forced to declare bankruptcy.

They should be required to be punished for their actions. Not rewarded for the pandemic of greed that has sent our country into a tailspin.

If you’d like to urge your Senator to vote no on the Bailout Bill, go here to find out who they are and send them an e-mail. If they get enough mail it might crash their system.

I’ll bet they’d get the point then.

Dogwoman

Everybody Panic!!!!!!!!

Hello.

I awoke so early this morning that even the birds were still asleep. When I tried to wake them, they gave me the middle feather. Cheeky bustards.

After reading the news, I turned to my abnormally cheerful husband and wailed “But, I was only gone for five hours!”

Here’s what I found :

The banking sector of the United States is in Chicken Little mode with every newspaper screaming that the sky is falling. As it may well be. When the smoke clears, will Bank of America be the only financial institution still standing? One pundit goes so far as to hint the “thousands” of banks will now fail in the coming months. Which is of course a signal for everyone to begin pulling their money out of the bank and hiding it in their mattresses. Failure to help people fully understand what the collapse of these financial giants means for the average Joe almost guarantees a run of worried customers, causing further panic and instability. If they can soft pedal of war of indeterminate length and destruction, why can’t they lie about the money problems of the entire country?

Also, because I have to live here, this really pisses me off and makes me hate the GOP more, which I didn’t think possible, but there it is. The Michigan GOP is trying to use the nifty Right-To-Vote laws here in Michigan to keep those who have been foreclosed upon from voting. Last time I checked the only groups of people not eligible to vote in the U.S. are illegal immigrants and currently incarcerated felons. Is the Michigan GOP trying to say that those who lost their homes to the shady dealings of the mortgage companies are actually criminals???? That’s one way to misdirect to mislead. Which seems to be the GOP’s SOP.

This one is more of an observational question. If oil is now selling for under a hundred dollars a barrel, why am I paying almost 4.50 a gallon this morning? If you say Ike I will issue a horrible Ancient Roman Curse upon you and your family. And your dog. While the closing of the refineries was probably a factor it does not explain to my personal satisfaction a jump of nearly 70 cents in two days. Especially with the price of oil continually falling. At one point on Friday a gas station here in Michigan was selling at 5.99 a gallon. Clearly, they were gouging. Yet, are the oil companies now gouging on the speculation of the maybe of things to come? So it would seem. Starting a mass panic can be profitable.

There was also a story about a house burning to the ground in North Texas because some geniuses disconnected the fire hydrants. Why, you ask? Because they were afraid that terrorists would poison the water supply. *Headslap* Good God, I knew this country was going backwards but, all the way back to the Middle Ages?

If you haven’t yet started running about your abode wailing in terror, scrabbling for your bankbook and refusing to drink the tap water, well, there just might be hope for you yet.

Dogwoman

Uncommon Idea

Hello.

I keep reading about the world wide food crisis. It sounds awful. Oh wait, it is awful but I have revolutionary idea that might help.

STOP MAKING FUEL OUT OF THE COMMODITIES THAT PEOPLE NEED TO EAT.

I know that this position will perhaps make me even less popular than I currently am, but it’s chance I am willing to take. Especially when one considers that we have a huge ball of self renewing energy in the sky that has proven itself more than capable of helping out. Oh and that little thing that sweeps down from the hills from time to time freshening our lives and creating the perfect ambiance might be useful too.

Yes, there are obstacles. Problems like, no one wants to pay for the conversion. Cheap is not helpful. If they can ask us to pay extortionist prices for gas while simultaneously starving entire populations to create new fuels, they can invent a supersolar conductor with their 900 bajillion dollar oil profits.

Ridiculous. When are we going to get mad enough to capsize this incredible ship of fools ?

Because these things don’t need to happen, we just let them.

Dogwoman

To Paraphrase: It’s Your Own Fault

Hello.

I’ve just read the speeches of the Presidential candidates on the Credit Crisis. I thought to help out those who don’t want to slog through the Orwellian tactics of our potential candidates, I would rephrase them here.

Keep in mind I am doing so with a mind altering temperature of 103. If I get it wrong I was, in fact, out of my mind at the time, senator.

McCain: Fuck ’em, Fuck ’em all. They should have figured it out before they took on the mortgages. Idiots. Those lenders were at fault and so were the homeowners and it’s not the Governments job to bail out either. Though, in a pinch we should help business over people because that’s what this country is made of, business not people.

Obama: Historically (and this man knows his American history ) we’ve already done this. See, we just need new plans for dealing with 21st century business, more regulation, more oversight. However, we don’t need to cap campaign contributions from these businesses. No, the government needs to work with business to ensure that business prospers in a kinder and gentler way. And people need to suck it up and deal with all the painful changes because America is a business, not a collection of people. Oh, and maybe we could propose some sort of legislation that teaches morons how to manage their mortgages properly. Maybe. I’m just sayin’.

Clinton: I told them years ago this would happen but did anyone listen to me? NO. Now look what’s happened. Well, I guess we can start cleaning up the mess and getting some sort of legislation into the works that makes sure this doesn’t happen again. Do I have to do everything around here?

See, each of the candidates has a grand vision pertaining to fixing the mess and who should be blamed. I noticed however, that they weren’t all that interested in mentioning the lobbyists who helped with the deregulation process. Ok, Obama mentioned it, but he sort of glossed it over. Each candidate doesn’t want to fix anything, they want to blame someone and then ride them around the town square before sentencing them to the stocks. We know this because while they mention the fact that low income homeowners were taken advantage of they lay a good portion of blame at the feet of the homeowners. Even though many of the mortgages were altered by the lenders to make the homeowners look better on paper than they really were. And then those falsified mortgages were sold in mass bundles to other lending companies.This practice created a waterfall of shitty paper that was actually worth nothing. Voila, Credit Crisis.

The lending institutions are the bad guys in this scenario. The hiding of large debt, the use of derivatives, the explosion of private equity that has almost no government oversight and continuing deregulation of vital industries has all contributed to this current mess that taxpayers have to pay for. At no point have I heard the regular Joe Shmo saying ‘Hey lets screw about with everything cause it looks good on paper” No, they just wanted what we’re constantly told everyone is entitled to here in America, a home of their own. Now, entire states have Homeless of their own.

Great job you greedy hope sucking bastards.

Oh and under no circumstances are you yabbos allowed to blame China. You did to yourselves, now fix it. The right way.

Dogwoman

Nothing To Lose

Hello.

Credit crisis. Rising Gas prices. Rising food prices. Inert and unwilling lawmakers.

These are some of the problems facing America today. While it may seem that these are loosely connected in some vague way they are in fact directly related.

Banks made loans to low income people at what are termed ‘predatory rates’. This means that the bank knew the homeowner couldn’t pony up the dough and was just waiting for the time they must foreclose. Then they could sell the house to another ‘low income homeowner’ and start the cycle all over again. Using this method they could make thousands of dollars off one house and the average yutz. Pretty slick. Too bad so many banks started getting in on the action. By using the idea of the American Dream against regular Joes, like you and I, the banking industry has crashed our economy.

It’s not just the lending strategy, it’s the hiding of assets and debit that has been going on since 2000. The banks have been playing fast and loose with numbers off the books. Things that we never hear about like derivatives and the resurgence of hedge funds and private equity funds.

What puzzles me and makes me wonder is why the Government is bailing out the banks.

The Government should be bailing out the homeowner. I thought is was the general duty of the Government to help those who have been harmed by the amoral practices of businesses which it is supposed to regulate. Like Banks. I had no idea the Government was in place to bail out the banks who instituted these policies after Slick Willy signed Bank deregulation into law in 2000, just before he skated out the White House door. Guess he was hoping we wouldn’t notice.

With the credit industry crashing on a global scale NOW bank officers are crying foul. “Oh we should have seen that” Oh fuck off, you did see it, but your profits were more important than those who might be harmed. Like everyone not on the Board.

The bankers who brought you the Savings and Loan disaster of the eighties have now brought you the World Wide Credit Crunch. And they have no plans to change any of their policies once our Fed bails them out.

Thanks to them gas and food and housing prices are soaring because the billions in tax payer dollars that should be going to restructuring programs are going into the coffers of banks. The Government is using our money to bail out the banks who raped our communities. And the lawmakers sit back and yawn and rake in the campaign contributions from these bastards while rubber stamping their poor policies.

Why not? They’ve got nothing to lose.

I really hate that.

Dogwoman

Paper Or Plastic?

Hello.

So last night we were watching something on the idiot box. Please don’t ask what. I had my head buried in a book about inclusion classrooms and brain function. Did I mention that aside from being an angry giantess, I am also a dork?

Anywho, all dork relations aside, a commercial came on that caused me to poke my giant head over the top of my minuscule book and go “Mer?”

It was a Visa commercial. The entire thing implied that if you want your world to be fast and symmetrical and effortless you should be constantly using your credit card. Because things like checks are slow and make other people unhappy. And that asinine look of confusion and tsk tsk on the commercial clerks face when they are given crinkly paper instead of plastic is really irritating. As though they have never seen actual cash before. Or that using a check makes you a naughty customer who should know better. Right.

I hate credit cards. I don’t own one. Aside from their branding, which I also hate, and their idea of marketing a feeling to those with low impulse disorders, they are a poor way to manage money. But today, pay later. Don’t think about it, just do it. Yeah, that’s a good finance strategy. Credit debt in this country is skyrocketing. The companies who deal in credit cards are making huge profits from late fees and high interest rates. They continue to make using them seem like a good thing.

No, bad thing. Very bad thing. Use money. That papery stuff the bank gives you from time to time. Or a check. Which is money in a form all English majors understand. Written money. What could be better?

I am all for buying that expensive gift for grandma at Christmas, just save up for it and do it with cash. It makes January so much brighter and stress free.

Dogwoman

(This is public service announcement brought to you by The Doghouse, Dogwoman and the letter C. Because C is for cookie and that’s good enough for me.)