A Trillion dollars a day worries me. This is the first thing I saw this morning and it troubles me deeply. The economic barometer began rising, in mid-September on through today, as the Fed began handing out over $180B per day in over the counter lending to the tune of $6T without much mention to the public. I’ve been writing about this throughout that time to seemingly crickets. Many of the banks receiving those funds didn’t ask for it and didn’t need it, but received funds anyway. Today, the Fed is moving an unprecedented $1T a day across the counter to the big banks without Congressional oversight. This should be of grave concern to everyone.
The fact that the Fed is accelerating its own purchases of mortgage-backed-securities raises major red flags to me, as well. Every loan securitization audit that I have ever reviewed from across the nation is littered with fraud which, by law, makes the securities that are within the tranches void, therein making the tranches void as well. Therein making the global investments void, as well. The judicial systems across the country have turned a blind eye to the truth to the evidence that is presented to them in foreclosure fraud. The reason for this is primarily corrupt benches. Those of us that follow this kind of information aren’t very surprised and remain cautious and worried. This exasperates the extent of the smoke and mirrors of the stability of the American and global economy. With all of the toxicity of the mortgage-backed-securities in the market and the Fed buying them up at record pace simply tells me that any repair to this legal travesty is not going to be fixed anytime soon. This house of cards on such a global scale is here to stay and I don’t see any legal precedent that the system will allow to be created that is going to change any of that very soon.
This concerns me, as well, as the government talks about placing necessary moratoriums on foreclosures across the country. The last time any action like this took place, beginning in 2008, in the shape of loan modifications through the likes of the failed TARP, HAMP and other programs that were less than 2% successful, created tainted titles across the nation. This, in turn, created new layers of curtains drawn across the mortgage industry that simply sweep the economic virus under the rug for a later date. That later date has now arrived and it is being swept under again with no oversight. There is no legal legitimate mortgage lending happening in the United States anymore, however, this is the paradigm we have all decided to participate in. We have allowed our legislators to put us in this position. Partly this is due to their own ignorance and part is due to political corruption. Both have become major toxins to how our country is to run.
The system keeps turning and people buy their homes and investments are made. The foundations of all of the properties in this country are sitting in quicksand. I feel that there is no longer any viable legal means of unraveling the mayhem. With everything being so intertwined and fraudulent at the same time makes fixing the issues extremely difficult. All of this will continue to play out well for the large institutional investors who will continue to receive the bailouts for being “too big to fail” as we continually see to this day. But, the solutions for the average homeowner will remain tenuous at best. They have polished the mirrors to reflect the billowing bowels of smoke that are being pumped into the mortgage system.
I welcome those reading my blog. I appreciate all of the emails I have been receiving. I also appreciate those who have registered and subscribe to this blog. If you have come from Facebook please comment on this site, rather than any Facebook post of this page due to the fact that there are many readers who are not part of Facebook forums, or even Facebook itself. I encourage all readers to put their comments on this site so that all of the information will be accessible to all readers from all parts of the internet. I urge you to join this site and receive the RSS feed, or bookmarking us, sharing us with your friends on Facebook and Twitter. If you know of anyone who might benefit from this information I urge you to pass on this website address! Share and let’s make some change together!
What’s $9 Trillion dollars between friends. I mean, really, show a little love.
On February 12, 2020, the Dow Jones Industrial Average closed at 29,551.42. Yesterday, March 13, the Dow closed at 23,185.62 -– a loss of 6,365.80 points in one month’s time, or 21.54 percent. In 2008, the greatest financial calamity since the Great Depression, the Dow had lost 2,339.60 points or 21.4 percent one month after the frightening events of September 15, 2008 when Lehman Brothers filed bankruptcy, Merrill Lynch had to be taken over by Bank of America, and one day before the U.S. government seized the giant insurer, AIG, because it couldn’t pay the tens of billions of dollars in derivative bets it had made with the mega banks on Wall Street.
On this past Friday morning, in what appeared to be an effort to restore confidence on Wall Street, U.S. Treasury Secretary Steve Mnuchin gave an interview on CNBC. Mnuchin said “there’s lots of liquidity” and “this isn’t like the financial crisis.” But savvy folks on Wall Street, and readers of Wall Street On Parade, clearly understand that there is not lots of liquidity and this is exactly like the financial crisis of 2008 in terms of mega Wall Street banks losing massive amounts of their common equity capital and being on a liquidity feeding tube inserted by the Federal Reserve.
Since September 17, 2019 – six months ago, the Federal Reserve has loaned billions of dollars to Wall Street every single business day that the stock market has been open. This is the first time this has been necessary since the financial crisis of 2008. That fact, in and of itself, makes this very much on a par with the financial crisis of 2008.
Since the Fed began its repo loan operations on September 17, the tally of the Fed’s cumulative loans to Wall Street’s trading firms comes to more than $9 trillion (using the Fed’s own Excel spreadsheet of the data; you have to manually remove the Reverse Repo dollar amounts.)
According to the Fed audit conducted by the Government Accountability Office (GAO), from December 12, 2007 to July 21, 2010, a period spanning more than 31 months during the worst financial crisis since the Great Depression, the Fed’s cumulative loans to Wall Street tallied up to $16.1 trillion. (See chart below from the GAO audit.)
And here we are today, when everyone from Fed Chairman Jerome Powell to bank analyst Mike Mayo is telling the public that the banks have plenty of capital and yet the Fed has pumped out 56 percent in six months of the amount it funneled to the Wall Street banks over 31 months during the 2008 financial crisis. At this rate, it is going to top the money it threw at the 2008 crisis in no time at all.
That’s no exaggeration. Just this past Thursday the Fed said it would make $1.5 trillion available to Wall Street over just the next two days. The banks didn’t take all of that money but the Fed clearly thought there was a big enough crisis to offer it.
While the Fed was providing that $16.1 trillion to Wall Street during the financial crisis at super cheap interest rates, traders and executives of the mega banks were being rewarded with multi-million bonuses. Contrast that to the announcement that JPMorgan Chase’s Board recently rewarded Jamie Dimon, its Chairman and CEO, with a $30 million pay package. That largess comes despite the fact that the bank is under its fourth criminal probe by the Department of Justice, all while Dimon has sat at the helm. Two of the prior criminal investigations resulted in the bank pleading guilty to three separate felony counts. One of the criminal probes, into turning its precious metals desk into a criminal racketeering enterprise, is ongoing.
Since the Fed turned on its latest money spigot to Wall Street, it has refused to provide the public with the dollar amounts going to any specific banks. This has denied the public the ability to know which financial institutions are in trouble. The Fed, exactly as it did in 2008, has drawn a dark curtain around troubled banks and the public’s right to know, while aiding and abetting a financial coverup of just how bad things are on Wall Street.
In his CNBC interview, Mnuchin also urged the Wall Street banks to tap the Discount Window, stating “there is no stigma about going to the Discount Window.” We have been looking at the Fed’s weekly H.4.1 reports and no bank is borrowing even $1 billion using the Discount Window, whose details of borrowings are made public two years after the fact. Why would the banks borrow at the Discount Window, where the details will eventually be made public, when the Fed is willing to offer them trillions in secret repo loans. It has been the conventional wisdom for the past 100 years that there is stigma attached to a major bank borrowing from the Discount Window, since it suggests that they have run out of their own liquidity – meaning they didn’t properly prepare for a rainy day and their federal regulators were also napping.
Mnuchin also stated that the Trump administration would be going to Congress “for authorities that they took away that we think we need to deal with this…” Mnuchin is referring to the Dodd-Frank financial reform legislation of 2010 which eliminated the power of the Fed to secretly funnel trillions of dollars to domestic and foreign global banks while hiding the names and details from Congress and the public.
According to Section 1101 of Dodd-Frank, both the House Financial Services Committee and the Senate Banking Committee are to be briefed on any emergency loans made by the Fed, including the names of the banks doing the borrowing. The section reads:
“The [Federal Reserve] Board shall provide to the Committee on Banking, Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives, (i) not later than 7 days after the Board authorizes any loan or other financial assistance under this paragraph, a report that includes (I) the justification for the exercise of authority to provide such assistance; (II) the identity of the recipients of such assistance; (III) the date and amount of the assistance, and form in which the assistance was provided; and (IV) the material terms of the assistance, including — (aa) duration; (bb) collateral pledged and the value thereof; (cc) all interest, fees, and other revenue or items of value to be received in exchange for the assistance; (dd) any requirements imposed on the recipient with respect to employee compensation, distribution of dividends, or any other corporate decision in exchange for the assistance; and (ee) the expected costs to the taxpayers of such assistance…”
We know that as of February 6 the Fed had not briefed the Senate Banking Committee on its repo loan operations because on that date Senators Sherrod Brown, Elizabeth Warren, Jack Reed and Tina Smith, Democratic members of the Committee, sent a letter to Jerome Powell, Chairman of the Federal Reserve, listing six specific questions they wanted answers to in preparation for his hearing testimony on February 12. At that point in time, the Fed’s repo loans amounted to a cumulative total of $6.6 trillion, more than a third of the Fed loans made during the last financial crisis. The six questions were the following:
“1) Has the Fed determined the cause for the protracted, increased demand for reserves that necessitates continued intervention through repo activities? If so, what is/are the cause or causes?
“2) Has the Fed analyzed the impact of the availability of this facility on primary dealers’ balance sheets and market activity? If so, what has changed in money markets since September 2019? Are other portfolios affected by these adjustments and reallocations?
“3) Could a bank use access to this facility to game capital or liquidity standards, and what steps are supervisors taking to ensure that is not the case?
“4) Have profits at banks that have access to this facility outpaced profits at similarly situated financial institutions that do not have access or have not participated in the facility? If so, does that suggest anything about the efficiency of overnight repo operations as a transmission mechanism for monetary policy?
“5) The facility has reduced the cost of access to cash in the money markets – to what degree has the cost of borrowing been reduced to consumers, specifically those with outstanding loans? In your estimation, do banks or consumers primarily benefit from the operation of this facility?
“6) Since September 2019, has the Board discussed the possibility of weakening or otherwise altering liquidity, capital, or other regulatory and supervisory standards in order to address this issue? Does the Board continue to consider any such changes? Has the Board or FRBNY considered the possibility that market actors refused to lend into the market, sacrificing short-term profits in order to raise questions about prudential regulation? Would it be feasible for the small network of primary dealers to do so?”
I welcome those reading my blog. I appreciate all of the emails I have been receiving. I also appreciate those who have registered and subscribe to this blog. If you have come from Facebook please comment on this site, rather than any Facebook post of this page due to the fact that there are many readers who are not part of Facebook forums, or even Facebook itself. I encourage all readers to put their comments on this site so that all of the information will be accessible to all readers from all parts of the internet. I urge you to join this site and receive the RSS feed, or bookmarking us, sharing us with your friends on Facebook and Twitter. If you know of anyone who might benefit from this information I urge you to pass on this website address! Share and let’s make some change together!
The word being put out throughout the world by the mass media is that the current stock market decline is due to the fears generating from the CoronaVirus that is moving across the globe. Don’t get me wrong, I do think you should wash your hands at least every hour to best protect yourself, but economies don’t shut down for something like this at this stage of the process.
When we peel back the curtain I believe that we will find that the viral strain that is killing approximately 2% of those who become infected is nothing like the “flu”. The “flu” or “common cold” comes around every year and has a kill ratio of approximately .1%. As of this posting there have been 83,809 cases report worldwide. Of those cases, there have been 2867 deaths. There are over 7 billion people on the planet. Alcohol, drugs, guns, cars, and cancer all have a higher kill rate that this virus.
However, we are being told by the main stream media that the global economic crisis that is beginning to show its face is due to the CoronaVirus?
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I welcome those reading my blog. I appreciate all of the emails I have been receiving. I also appreciate those who have registered and subscribe to this blog. If you have come from Facebook please comment on this site, rather than any Facebook post of this page due to the fact that there are many readers who are not part of Facebook forums, or even Facebook itself. I encourage all readers to put their comments on this site so that all of the information will be accessible to all readers from all parts of the internet. I urge you to join this site and receive the RSS feed, or bookmarking us, sharing us with your friends on Facebook and Twitter. If you know of anyone who might benefit from this information I urge you to pass on this website address! Share and let’s make some change together!
The “recycled” Mobile Sheriff Command Center is a book tour bus and a mobile documentary production office.
Have you been readying your “Go” bag?! This RIG was an old “sheriff unit” that I got for the upcoming “A Quantum of Justice” book tour and documentary project. It’s near complete and has been dealt with from the top to the bottom and from the inside out.
This is my “GO” bag. This 35ft RV used to be a Sheriff Mobile Command Unit that I gutted it and renovated from inside/out to include a new Chevy 357 engine, all electrical updated, all plumbing updated, Fireplace/heater with custom polished concrete mantel, Carrera marble kitchen countertop, lp/electric hybrid refrigerator, garbage disposer, Reverse Osmosis Water filtration system, on-demand water heater, 4 burner gas stove, Maple flooring, oven/air fryer, White custom concrete shower, Glass bowl vanity sink, satellite dish, 60″ projection video screen, surround sound, driving and reverse camera, CB radio, 6000W generator, outdoor shower; (soon to install) solar panels and 3×3 LR skylight. Designed and built for off-grid capability. This “escape pod” is gassed, prepped and ready.
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I welcome those reading my blog. I appreciate all of the emails I have been receiving. I also appreciate those who have registered and subscribe to this blog. If you have come from Facebook please comment on this site, rather than any Facebook post of this page due to the fact that there are many readers who are not part of Facebook forums, or even Facebook itself. I encourage all readers to put their comments on this site so that all of the information will be accessible to all readers from all parts of the internet. I urge you to join this site and receive the RSS feed, or bookmarking us, sharing us with your friends on Facebook and Twitter. If you know of anyone who might benefit from this information I urge you to pass on this website address! Share and let’s make some change together!
Senate Bill No. 306 Chapter 474 changes NOTHING to what I have been talking about for years now. There are numerous sugar coating measures that have created since I sued Wells Fargo Bank on the issue of a fraudulent Trustee, however nothing has changed in the legislation level therein making the state complicit to the fraud, still. Ever since SB 1638 (1996) was signed into law and implemented beginning on Jan. 1, 1998 every deed of trust in CA is void and nearly every foreclosure is fraudulent due to the carelessness or human oversight to the rule of law. In 1978, the CA Supreme Court ruled that the trustee must be “arms length” or independent in a deed of trust contract agreement. However, since the passing of SB 1638 this is not the case. Since then, legislators have brushed over with broad strokes to hide the issue or simply are ignorant to the laws dealing with contracts and foreclosure.
I am beginning to work with the team of one of CA Assembly persons to start the process of writing new legislation that will turn the ruling of the State Supreme Court into a reality again. I will be keeping you abreast of this situation as it plays itself out, but for now know that your foreclosure is still illegal and based completely on fraud.
Here is the new legislation to amend parts of the Power of Sale clause in a deed of trust contract in CA Civil Code 2934a.
Senate Bill No. 306 CHAPTER 474 An act to amend Section 2934a of the Civil Code, relating to mortgages. [ Approved by Governor October 02, 2019. Filed with Secretary of State October 02, 2019. ]
LEGISLATIVE COUNSEL’S DIGEST
SB 306, Morrell. Mortgages and deeds of trust: trustee substitutions.Existing law regulates the terms and conditions of mortgages and deeds of trust. Existing law authorizes a beneficiary of a deed of trust to substitute a new trustee for the existing trustee in accordance with certain statutory requirements, and that substitution is not effective in certain cases unless it is signed by the respective parties under penalty of perjury. Under existing law, a trustee named in a recorded substitution of trustee is deemed to be authorized to act in this capacity under the mortgage or deed of trust for all purposes from the date the substitution is executed by the mortgagee, beneficiaries, or by their authorized agents.Existing law provides specified methods by which a trustee may resign, including as provided in the trust instrument or, in the case of a revocable trust, with the consent of the person holding the power to revoke the trust.This bill would authorize a trustee to resign or refuse to accept appointment as trustee at that trustee’s own election without the consent of the beneficiary or by their authorized agents, under a trust deed upon real property or an estate for years. The bill would require the trustee to give prompt written notice of resignation or refusal to accept appointment to the beneficiary or their authorized agents by mailing, as specified, an envelope containing a notice of resignation of trustee by recording the notice of resignation in each county in which the substitution of trustee under which the trustee was appointed is recorded, and by attaching to the recorded notice an affidavit stating that notice has been mailed to all beneficiaries and their authorized agents, as specified. The bill would make the resignation or refusal to accept appointment of that trustee effective upon the recording of the notice of resignation in each county in which the substitution of trustee under which the trustee was appointed is recorded. The bill would also require the trustee and any successor in interest to that trustee to retain and preserve every writing relating to the trust deed or estate for years under which the trustee was appointed for at least 5 years after a notice of resignation is mailed and recorded. The bill would specify that the resignation of the trustee does not affect the validity of the mortgage or deed of trust, except that no action required to be performed by the trustee under those provisions or under the mortgage or deed of trust may be taken until a substituted trustee is appointed. The bill would make related conforming and nonsubstantive changes to those provisions.By expanding the crime of perjury, the bill would impose a state-mandated local program.The California Constitution requires the state to reimburse local agencies and school districts for certain costs mandated by the state. Statutory provisions establish procedures for making that reimbursement.This bill would provide that no reimbursement is required by this act for a specified reason.
DIGEST KEY
Vote: majority Appropriation: no Fiscal Committee: yes Local Program: yes
BILL TEXT
THE PEOPLE OF THE STATE OF CALIFORNIA DO ENACT AS FOLLOWS:
SECTION 1.
Section 2934a of the Civil Code is amended to read:
2934a.
(a) (1) The trustee under a trust deed upon real property or an estate for years given to secure an obligation to pay money and conferring no other duties upon the trustee than those which are incidental to the exercise of the power of sale therein conferred, may be substituted by the recording in the county in which the property is located of a substitution executed and acknowledged by either of the following:(A) All of the beneficiaries under the trust deed, or their successors in interest, and the substitution shall be effective notwithstanding any contrary provision in any trust deed executed on or after January 1, 1968.(B) The holders of more than 50 percent of the record beneficial interest of a series of notes secured by the same real property or of undivided interests in a note secured by real property equivalent to a series transaction, exclusive of any notes or interests of a licensed real estate broker that is the issuer or servicer of the notes or interests or of any affiliate of that licensed real estate broker.(2) A substitution executed pursuant to subparagraph (B) of paragraph (1) is not effective unless all the parties signing the substitution sign, under penalty of perjury, a separate written document stating the following:(A) The substitution has been signed pursuant to subparagraph (B) of paragraph (1).(B) None of the undersigned is a licensed real estate broker or an affiliate of the broker that is the issuer or servicer of the obligation secured by the deed of trust.(C) The undersigned together hold more than 50 percent of the record beneficial interest of a series of notes secured by the same real property or of undivided interests in a note secured by real property equivalent to a series transaction.(D) Notice of the substitution was sent by certified mail, postage prepaid, with return receipt requested to each holder of an interest in the obligation secured by the deed of trust who has not joined in the execution of the substitution or the separate document.The separate document shall be attached to the substitution and recorded in the office of the county recorder of each county in which the real property described in the deed of trust is located. Once the document is recorded, it shall constitute conclusive evidence of compliance with the requirements of this paragraph in favor of substituted trustees acting pursuant to this section, subsequent assignees of the obligation secured by the deed of trust and subsequent bona fide purchasers or encumbrancers for value of the real property described therein.(3) For purposes of this section, “affiliate of the licensed real estate broker” includes any person as defined in Section 25013 of the Corporations Code that is controlled by, or is under common control with, or who controls, a licensed real estate broker. “Control” means the possession, direct or indirect, of the power to direct or cause the direction of management and policies.(4) The substitution shall contain the date of recordation of the trust deed, the name of the trustor, the book and page or instrument number where the trust deed is recorded, and the name of the new trustee. From the time the substitution is filed for record, the new trustee shall succeed to all the powers, duties, authority, and title granted and delegated to the trustee named in the deed of trust. A substitution may be accomplished, with respect to multiple deeds of trust that are recorded in the same county in which the substitution is being recorded and that all have the same trustee and beneficiary or beneficiaries, by recording a single document, complying with the requirements of this section, substituting trustees for all those deeds of trust.(b) If the substitution is executed, but not recorded, prior to or concurrently with the recording of the notice of default, the beneficiary or beneficiaries or their authorized agents shall mail notice of the substitution before or concurrently with the recording thereof, in the manner provided in Section 2924b, to all persons to whom a copy of the notice of default would be required to be mailed by Section 2924b. An affidavit shall be attached to the substitution that notice has been given to those persons, as required by this subdivision.(c) If the substitution is effected after a notice of default has been recorded but prior to the recording of the notice of sale, the beneficiary or beneficiaries or their authorized agents shall mail a copy of the substitution, before, or concurrently with, the recording thereof, as provided in Section 2924b, to the trustee then of record and to all persons to whom a copy of the notice of default would be required to be mailed by Section 2924b. An affidavit shall be attached to the substitution that notice has been given to those persons, as required by this subdivision.(d) (1) A trustee named in a recorded substitution of trustee shall be deemed to be authorized to act as the trustee under the mortgage or deed of trust for all purposes from the date the substitution is executed by the mortgagee, beneficiaries, or by their authorized agents. A trustee under a recorded substitution is not required to accept the substitution, and may either resign or refuse to accept appointment as trustee pursuant to this subdivision.(2) (A) A trustee named in a recorded substitution of trustee may resign or refuse to accept appointment as trustee at that trustee’s own election without the consent of the beneficiary or beneficiaries or their authorized agents. The trustee shall give prompt written notice of that resignation or refusal to accept appointment as trustee to the beneficiary or beneficiaries or their authorized agents by doing both of the following:(i) Depositing or causing to be deposited in the United States mail an envelope containing a notice of resignation of trustee, sent by registered or certified mail with postage prepaid, to all beneficiaries or their authorized agents at the address shown on the last-recorded substitution of trustee for that real property or estate for years in that county.(ii) Recording the notice of resignation of trustee, mailed in the manner described in clause (i), in each county in which the substitution of trustee under which the trustee was appointed is recorded. An affidavit stating that notice has been mailed to all beneficiaries and their authorized agents in the manner provided in clause (i) shall be attached to the recorded notice of resignation of trustee.(B) The resignation of the trustee or refusal to accept appointment as trustee pursuant to this subdivision shall become effective upon the recording of the notice of resignation of trustee in each county in which the substitution of trustee under which the trustee was appointed is recorded.(C) The resignation of the trustee or refusal to accept appointment as trustee pursuant to this subdivision does not affect the validity of the mortgage or deed of trust, except that no action required to be performed by the trustee under this chapter or under the mortgage or deed of trust may be taken until a substituted trustee is appointed pursuant to this section. If a trustee is not designated in the deed of trust, or upon the resignation, incapacity, disability, absence or death of the trustee, or the election of the beneficiary or beneficiaries to replace the trustee, the beneficiary or beneficiaries or their authorized agents shall appoint a trustee or a successor trustee.(D) A notice of resignation of trustee mailed and recorded pursuant to this paragraph shall set forth the intention of the trustee to resign or refuse appointment as trustee and the recording date and instrument number of the recorded substitution of trustee under which the trustee was appointed.(E) A notice of resignation of trustee mailed and recorded pursuant to this paragraph shall contain an address at which the trustee and any successor in interest will be available for service of process for at least five years after the date that the notice of resignation is recorded.(F) For at least five years after a notice of resignation of trustee is mailed and recorded pursuant to this paragraph, the trustee and any successor in interest to that trustee shall retain and preserve every writing, as that term is defined in Section 250 of the Evidence Code, relating to the trust deed or estate for years under which the trustee was appointed.(3) For purposes of this section, paragraph (2) sets forth the exclusive procedure for a trustee to either resign or refuse to accept appointment as trustee.(4) Once recorded, the substitution shall constitute conclusive evidence of the authority of the substituted trustee or their authorized agents to act pursuant to this section, unless prompt written notice of resignation of trustee has been given in accordance with the procedures set forth in paragraph (2).(e) Notwithstanding any provision of this section or any provision in any deed of trust, unless a new notice of sale containing the name, street address, and telephone number of the substituted trustee is given pursuant to Section 2924f after execution of the substitution, any sale conducted by the substituted trustee shall be void.
Today’s law as Amended – SEC. 2.
No reimbursement is required by this act pursuant to Section 6 of Article XIII B of the California Constitution because the only costs that may be incurred by a local agency or school district will be incurred because this act creates a new crime or infraction, eliminates a crime or infraction, or changes the penalty for a crime or infraction, within the meaning of Section 17556 of the Government Code, or changes the definition of a crime within the meaning of Section 6 of Article XIII B of the California Constitution.
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I welcome those reading my blog. I appreciate all of the emails I have been receiving. I also appreciate those who have registered and subscribe to this blog. If you have come from Facebook please comment on this site, rather than any Facebook post of this page due to the fact that there are many readers who are not part of Facebook forums, or even Facebook itself. I encourage all readers to put their comments on this site so that all of the information will be accessible to all readers from all parts of the internet. I urge you to join this site and receive the RSS feed, or bookmarking us, sharing us with your friends on Facebook and Twitter. If you know of anyone who might benefit from this information I urge you to pass on this website address! Share and let’s make some change together!
