Citizens' Oversight Maryland---Maryland Progressives
CINDY WALSH FOR MAYOR OF BALTIMORE----SOCIAL DEMOCRAT
Citizens Oversight Maryland.com
  • Home
  • Cindy Walsh for Mayor of Baltimore
    • Mayoral Election violations
    • Questionnaires from Community >
      • Education Questionnaire
      • Baltimore Housing Questionnaire
      • Emerging Youth Questionnaire
      • Health Care policy for Baltimore
      • Environmental Questionnaires
      • Livable Baltimore questionnaire
      • Labor Questionnnaire
      • Ending Food Deserts Questionnaire
      • Maryland Out of School Time Network
      • LBGTQ Questionnaire
      • Citizen Artist Baltimore Mayoral Forum on Arts & Culture Questionnaire
      • Baltimore Transit Choices Questionnaire
      • Baltimore Activating Solidarity Economies (BASE)
      • Downtown Partnership Questionnaire
      • The Northeast Baltimore Communities Of BelAir Edison Community Association (BECCA )and Frankford Improvement Association, Inc. (FIA)
      • Streets and Transportation/Neighbood Questionnaire
      • African American Tourism and business questionnaire
      • Baltimore Sun Questionnaire
      • City Paper Mayoral Questionnaire
      • Baltimore Technology Com Questionnaire
      • Baltimore Biker's Questionnair
      • Homewood Friends Meeting Questionnaire
      • Baltimore Historical Collaboration---Anthem Project
      • Tubman City News Mayoral Questionnaire
      • Maryland Public Policy Institute Questionnaire
      • AFRO questionnaire
      • WBAL Candidate's Survey
  • Blog
  • Trans Pacific Pact (TPP)
  • Progressive vs. Third Way Corporate Democrats
    • Third Way Think Tanks
  • Financial Reform/Wall Street Fraud
    • Consumer Financial Protection Bureau >
      • CFPB Actions
    • Voted to Repeal Glass-Steagall
    • Federal Reserve >
      • Federal Reserve Actions
    • Securities and Exchange Commission >
      • SEC Actions
    • Commodity Futures Trading Commission >
      • CFTC Actions
    • Office of the Comptroller of the Currency >
      • OCC Actions
    • Office of Treasury/ Inspector General for the Treasury
    • FINRA >
      • FINRA ACTIONS
  • Federal Healthcare Reform
    • Health Care Fraud in the US
    • Health and Human Services Actions
  • Social Security and Entitlement Reform
    • Medicare/Medicaid/SCHIP Actions
  • Federal Education Reform
    • Education Advocates
  • Government Schedules
    • Baltimore City Council
    • Maryland State Assembly >
      • Budget and Taxation Committee
    • US Congress
  • State and Local Government
    • Baltimore City Government >
      • City Hall Actions
      • Baltimore City Council >
        • Baltimore City Council Actions
      • Baltimore Board of Estimates meeting >
        • Board of Estimates Actions
    • Governor's Office >
      • Telling the World about O'Malley
    • Lt. Governor Brown
    • Maryland General Assembly Committees >
      • Communications with Maryland Assembly
      • Budget and Taxation Committees >
        • Actions
        • Pension news
      • Finance Committees >
        • Schedule
      • Business Licensing and Regulation
      • Judicial, Rules, and Nominations Committee
      • Education, Health, and Environmental Affairs Committee >
        • Committee Actions
    • Maryland State Attorney General >
      • Open Meetings Act
      • Maryland Courts >
        • Maryland Court System
    • States Attorney - Baltimore's Prosecutor
    • State Comptroller's Office >
      • Maryland Business Tax Reform >
        • Business Tax Reform Issues
  • Maryland Committee Actions
    • Board of Public Works >
      • Public Works Actions
    • Maryland Public Service Commission >
      • Public Meetings
    • Maryland Health Care Commission/Maryland Community Health Resources Commission >
      • MHCC/MCHRC Actions
    • Maryland Consumer Rights Coalition
  • Maryland and Baltimore Development Organizations
    • Baltimore/Maryland Development History
    • Committee Actions
    • Maryland Development Organizations
  • Maryland State Department of Education
    • Charter Schools
    • Public Schools
    • Algebra Project Award
  • Baltimore City School Board
    • Charter Schools >
      • Charter Schools---Performance
      • Charter School Issues
    • Public Schools >
      • Public School Issues
  • Progressive Issues
    • Fair and Balanced Elections
    • Labor Issues
    • Rule of Law Issues >
      • Rule of Law
    • Justice issues 2
    • Justice Issues
    • Progressive Tax Reform Issues >
      • Maryland Tax Reform Issues
      • Baltimore Tax Reform Issues
    • Strong Public Education >
      • Corporate education reform organizations
    • Healthcare for All Issues >
      • Universal Care Bill by state
  • Building Strong Media
    • Media with a Progressive Agenda (I'm still checking on that!) >
      • anotherangryvoice.blogspot.com
      • "Talk About It" Radio - WFBR 1590AM Baltimore
      • Promethius Radio Project
      • Clearing the Fog
      • Democracy Now
      • Black Agenda Radio
      • World Truth. TV Your Alternative News Network.
      • Daily Censured
      • Bill Moyers Journal
      • Center for Public Integrity
      • Public Radio International
      • Baltimore Brew
      • Free Press
    • Far Left/Socialist Media
    • Media with a Third Way Agenda >
      • MSNBC
      • Center for Media and Democracy
      • Public Radio and TV >
        • NPR and MPT News
      • TruthOut
  • Progressive Organizations
    • Political Organizations >
      • Progressives United
      • Democracy for America
    • Labor Organizations >
      • United Workers
      • Unite Here Local 7
      • ROC-NY works to build power and win justice
    • Justice Organizations >
      • APC Baltimore
      • Occupy Baltimore
    • Rule of Law Organizations >
      • Bill of Rights Defense Committee
      • National Lawyers Guild
      • National ACLU
    • Tax Reform Organizations
    • Healthcare for All Organizations >
      • Healthcare is a Human Right - Maryland
      • PNHP Physicians for a National Health Program
      • Healthcare NOW- Maryland
    • Public Education Organizations >
      • Parents Across America
      • Philadelphia Public School Notebook thenotebook.org
      • Chicago Teachers Union/Blog
      • Ed Wize Blog
      • Educators for a Democratic Union
      • Big Education Ape
    • Elections Organizations >
      • League of Women Voters
  • Progressive Actions
    • Labor Actions
    • Justice Actions
    • Tax Reform Actions >
      • Baltimore Tax Actions
      • Maryland Tax Reform Actions
    • Healthcare Actions
    • Public Education Actions
    • Rule of Law Actions >
      • Suing Federal and State government
    • Free and Fair Elections Actions
  • Maryland/Baltimore Voting Districts - your politicians and their votes
    • 2014 ELECTION OF STATE OFFICES
    • Maryland Assembly/Baltimore
  • Petitions, Complaints, and Freedom of Information Requests
    • Complaints - Government and Consumer >
      • Sample Complaints
    • Petitions >
      • Sample Petitions
    • Freedom of Information >
      • Sample Letters
  • State of the Democratic Party
  • Misc
    • WBFF TV
    • WBAL TV
    • WJZ TV
    • WMAR TV
    • WOLB Radio---Radio One
    • The Gazette
    • Baltimore Sun Media Group
  • Misc 2
    • Maryland Public Television
    • WYPR
    • WEAA
    • Maryland Reporter
  • Misc 3
    • University of Maryland
    • Morgan State University
  • Misc 4
    • Baltimore Education Coalition
    • BUILD Baltimore
    • Church of the Great Commission
    • Maryland Democratic Party
    • Pennsylvania Avenue AME Zion Church
    • Maryland Municipal League
    • Maryland League of Women Voters
  • Untitled
  • Untitled
  • Standard of Review
  • Untitled
  • WALSH FOR GOVERNOR - CANDIDATE INFORMATION AND PLATFORM
    • Campaign Finance/Campaign donations
    • Speaking Events
    • Why Heather Mizeur is NOT a progressive
    • Campaign responses to Community Organization Questionnaires
    • Cindy Walsh vs Maryland Board of Elections >
      • Leniency from court for self-representing plaintiffs
      • Amended Complaint
      • Plaintiff request for expedited trial date
      • Response to Motion to Dismiss--Brown, Gansler, Mackie, and Lamone
      • Injunction and Mandamus
      • DECISION/APPEAL TO SPECIAL COURT OF APPEALS---Baltimore City Circuit Court response to Cindy Walsh complaint >
        • Brief for Maryland Court of Special Appeals >
          • Cover Page ---yellow
          • Table of Contents
          • Table of Authorities
          • Leniency for Pro Se Representation
          • Statement of Case
          • Questions Presented
          • Statement of Facts
          • Argument
          • Conclusion/Font and Type Size
          • Record Extract
          • Appendix
          • Motion for Reconsideration
          • Response to Defendants Motion to Dismiss
          • Motion to Reconsider Dismissal
      • General Election fraud and recount complaints
    • Cindy Walsh goes to Federal Court for Maryland election violations >
      • Complaints filed with the FCC, the IRS, and the FBI
      • Zapple Doctrine---Media Time for Major Party candidates
      • Complaint filed with the US Justice Department for election fraud and court irregularities.
      • US Attorney General, Maryland Attorney General, and Maryland Board of Elections are charged with enforcing election law
      • Private media has a responsibility to allow access to all candidates in an election race. >
        • Print press accountable to false statement of facts
      • Polling should not determine a candidate's viability especially if the polling is arbitrary
      • Viability of a candidate
      • Public media violates election law regarding do no damage to candidate's campaign
      • 501c3 Organizations violate election law in doing no damage to a candidate in a race >
        • 501c3 violations of election law-----private capital
      • Voter apathy increases when elections are not free and fair
  • Maryland Board of Elections certifies election on July 10, 2014
  • Maryland Elections ---2016

July 10th, 2014

7/10/2014

0 Comments

 
IT IS WOMEN AND CHILDREN THAT MAKE UP THE BULK OF FAMILIES FACING THE DISMANTLING OF OUR DEMOCRACY AND PUBLIC PROGRAMS AND SERVICES.  IT IS NEO-LIBERAL POLITICIANS WORKING WITH NEO-CONS DOING IT!

I want to continue one more day on private non-profits and commissions and health care in Maryland.  Remember, large sectors of Marylanders are not accessing health care----having a longevity 30 years less than affluent communities shows this.  Having the worse VA system in the nation shows this. The clinic care system built to keep Marylanders out of hospitals offer almost no access to basic medical procedures.

IT IS A DISASTER AND IT IS BECAUSE PEOPLE HAVING NO MORALITY OR ETHICS ARE CREATING THESE POLICIES ONLY AIMED AT MAKING A FEW EVER MORE RICH.

The average citizen working for these organizations are not bad people----they just want jobs.  Each time you create a private non-profit or commission for health care you have eliminated the public sector employees that would do that job.  You eliminate the public's ability to see what is happening and the accountability tasked to our government to serve and protect. 

DO YOU HEAR YOUR POLITICIANS SHOUTING THIS?  IF NOT, THEY ARE NEO-LIBERALS WORKING FOR WEALTH AND PROFIT AND NOT YOU AND I!


Yesterday we saw the commissions filled with the health executives writing the law and regulating themselves.  Let's look at the front lines where the health care is delivered----or, in Maryland, not delivered.  This is where the fraud and corruption fills the system.  Again, it is not the average staff doing this---they are being told to do this.  I spoke at length about the dismantling of the VA to private non-profits and showed they were receiving the money and doing nothing.  Medicaid and Medicare is handled just the same.  Remember, in Maryland Medicaid and Medicare is handled the same as private insurance so none of the requirements of coverage or accountability have occurred for a few decades.  Billions of dollars are lost as fewer Medicare patients enter the hospital but Medicare bills per patient climb.....THAT IS FRAUD CAUSING THOSE BILLS TO CLIMB.


Below you see the private non-profit that took over yet another duty of public health and it has been at it for 15 years---the very years that gave Baltimore the 30 year longevity difference.  If you look today health access has never been worse so we know this organization is not doing its job!  Remember, the people affected are not only black and brown or unemployed and impoverished or working poor.  Middle-class families with expenses that take money that would go for health care are included in these stats. 

DO NOT ALLOW PREJUDICE OF CLASS OR RACE SKEW YOUR THOUGHTS ON HEALTH ACCESS----THIS AFFECTS EVERYONE.


Our Organization Enroll In Benefits

HealthCare Access Maryland (HCAM)

is a nonprofit agency that plays a critical role in strengthening Maryland’s health care delivery system. Working with both government and private-sector support, HCAM helps residents enroll in public health care coverage, navigate the complex health care system and connect to educational and other resources.

HCAM was established in 1997 as Baltimore HealthCare Access to initially assist with the Medicaid transition to managed care. What began as a small organization with 40 employees, a $3 million budget and two core grants has grown steadily.

  • Funding has grown to $23 million and the agency has earned more than 30 major grants, including a $7.9 million grant from the Maryland Health Benefit Exchange (MHBE) as part of the State’s efforts to implement health care reform in Maryland and help uninsured residents gain access to affordable health care.
  • The number of programs offered has grown from the original two to 19, allowing HCAM’s 200 employees to help connect over 125,000 clients each year to health insurance and care and to vital community resources through a variety of programs serving the uninsured, under-insured and vulnerable populations of the state.
As a 501(C)3 not-for-profit organization, HCAM is overseen by a committed board of directors and supported by public and private sector grants, as well as corporate and individual donations. This unique funding allows us to provide a variety of specialized services for the residents of Maryland in four areas of expertise:

  • Eligibility and enrollment
  • Navigation of the health care system
  • Care coordination
  • Education and advocacy
HCAM’s expertise in these areas led the agency to broaden its reach and help provide services to people throughout the state. To signify this expanded focus, the organization changed its name in 2011 from Baltimore HealthCare Access to HealthCare Access Maryland.

The agency’s ability to help people live healthier lives has been recognized by others in our field. The agency is the proud recipient of Maryland Nonprofits’ Seal of Excellence, a designation that recognizes HCAM’s reputation for delivering high-quality programs and services in a fiscally responsible way.

Although HCAM specializes in health care access, we continue to serve the needs of our clients beyond just helping them obtain an insurance card. We serve children, pregnant women, parents, childless adults and youth in foster care, as well as those with addiction issues, immigrants, individuals recently released from jail and the homeless.

HCAM’s work to implement health care reform in Maryland

Throughout its 15-year history, HCAM has become a critical player in strengthening Maryland’s health care delivery system, earning a spot as a public health leader in the state and working with policymakers, nonprofit organizations and elected officials on innovative approaches to improving the health of all Marylanders.

In the Spring of 2013, HealthCare Access Maryland (HCAM) received a $7.9 million grant from the Maryland Health Benefit Exchange (MHBE) as part of the State’s consumer assistance program to implement the Affordable Care Act and help uninsured residents learn about, apply for and enroll in health insurance. HCAM was selected as the State’s Central Region Connector, serving Baltimore City, Baltimore County and Anne Arundel County.

As the Central Region Connector, HCAM will organize services across the region and has partnered with 17 organizations to provide outreach, education and eligibility determinations and to facilitate enrollment of the nearly 217,000 uninsured residents in the region into Medicaid, the Maryland Children’s Health Program (MCHP) and subsidized and non-subsidized qualified health plans.


__________________________________________

Baltimore is ground zero for Medicaid and Medicare spending and as we know the money is not getting to the people.  Johns Hopkins and University of Maryland Medical Center are handling many of these groups so that is where you start your search.  Since Johns Hopkins has captured all public policy and creates all the private non-profits that are then funded to work in these low-income communities----that is who is charged with overseeing this distribution only THERE IS NO OVERSIGHT!  THERE IS THE PROBLEM.  If we had a public health department filled with employees whose job it is dispensing money and providing oversight and reporting to the citizens of Baltimore----this would not be happening.

If you have followed me these few years you know I do not like Sharfstein and Barbot.  They were appointed to dismantle all public health and build more of these private non-profits and

THEY HAVE BEEN VERY BUSY!  NO WONDER SHARFSTEIN COULDN'T ROLL OUT THE STATE HEALTH EXCHANGE----HE'S TOO BUSY MAKING SURE MARYLAND HAS NO PUBLIC HEALTH.  Slander you say----no, all you have to do is look at who is doing the work of public health and you see nothing but private non-profits.  The people supposedly served all complaining they cannot access care.
  The money is flowing but not where its supposed to------

DID YOU KNOW THAT JOHNS HOPKINS BUILT A GLOBAL CORPORATE EMPIRE THESE FEW DECADES THAT MEDICARE AND MEDICAID FRAUD WAS THE WORSE-----just saying there's likely a link!


This should anger everyone as this looted Medicare Trust is now being addressed by limiting more access to most people....you and I!



Tuesday, May 10, 2011

Healthy Baltimore 2015 Last month, the Robert Wood Johnson Foundation issued the second annual County Health Rankings. As it did last year, Baltimore City ranked last in the state. 

One statistic in particular stuck out: 14,887. That’s the number of years of potential life lost before the age of 75.  Put simply, far too many Baltimore City residents are dying before their time.
Statistics like these give great urgency to the work we do to improve the health of our city, our neighborhoods and our residents.  It also makes clear that traditional medical or public health approaches aren’t working and it’s time to try something different.
That conversation starts today with the release of Healthy Baltimore 2015.
This comprehensive health policy agenda highlights 10 priority areas that account for the greatest morbidity and mortality in Baltimore.  These areas were chosen because there are evidence-based interventions proven to make a difference.  The plan looks at the relevance of where we live, work and play on health outcomes, as oftentimes they play as significant a role in making us sick as they do in keeping us healthy.
The city has set ambitious, yet reachable, improvement goals for the following priority areas:
1. Promote access to quality health care for all. 
2. Be tobacco free. 
3. Redesign Communities to Prevent Obesity.
4. Promote Heart Health.
5. Stop the spread of HIV and other STIs. 
6. Recognize and Treat Mental Health Disorders. 
7. Reduce Drug Use and Alcohol Abuse.
8. Encourage early detection of cancer.
9. Promote Healthy Children and Adolescents.   
10. Create Health Promoting Neighborhoods. 


For more information on the specific indicators we will use to measure progress in these areas, please view the full Healthy Baltimore 2015 report.
As you can see, there is much work to be done. Healthy Baltimore 2015 makes clear that we all play a role in improving the health of our city.
Over the course of the next several weeks to months, we will work with partners throughout the city to flesh out a 3-pronged approach to moving the needle for each of the leading indicators, including policy development; prevention, quality, and access; and community engagement.  Later this spring, senior leaders within the department will visit communities around the city to share this plan and the updated neighborhood health profiles.  We hope communities will put this information to use in designing new strategies and interventions for tackling the top priorities they identify for creating health promoting environments.
Let me be clear: the health department alone cannot successfully execute Healthy Baltimore 2015.  We welcome all motivated neighborhood leaders, individual citizens, aca­demic institutions, community-based organizations, business owners and the media to join us in this effort as partners in health. 
Partners can contribute to the success of Healthy Baltimore 2015 in many ways. These varying levels of engagement include, but are not limited to:
  • Communication – displaying or distributing health information materials within each of the ten priority areas.
  • Facilitation – actively participating in interventions such as incorporating wellness at work programs into the business day.
  • Integration – actively considering the potential health impacts of pending business or policy decisions.
To become a partner, please email me at health.commissioner@baltimorecity.gov. Together, we can reshape the landscape to make Baltimore City a place where all residents realize their full health potential.  Posted by Oxiris Barbot, M.D. at 8:37 AM

_________________________________________

Using Maryland for the divide between wealthier counties and poor counties we need to be clear-----while the poorest were excluded from accessing health in Maryland these last decades it is now coming higher up the economic scale....The Affordable Care Act is designed to make preventative care the only care 80% of Americans can afford and percentage is rising soon to 90%.  We will see with these forced re-negotiations of corporate and public sector health benefits that the middle-class will now be the ones forced out of care because they cannot afford co-pays and deductibles or once they pay the health insurance premiums they have no money for the health care itself.  THAT IS THE GOAL....

IT'S LIKE AUTO INSURANCE....YOU PAY AND PAY FOR COVERAGE AND IF YOU USE IT, THEY HIKE YOUR RATES OR CANCEL YOUR POLICY.

That is what is coming.  Below you see the other factor that will keep most people out of basic medical care----the need for a primary care doctor to access specialists and their care.  Activists have tried for decades to have medical school training be made free.  Get rid of the medical grads high tuition debt and you get lots of people in doctoring less motivated to earn $500,000 or more.  THIS ONE POLICY HAS CREATED THIS SHORTAGE AND AGAIN---IT IS DONE DELIBERATELY.  If corporations and the rich are paying no taxes and receive all revenue that is collected as corporate subsidy----where does all that free money for medical schools come from?  No, say corporations its better to simply exclude most people from health care access to maximize corporate profits.

FREE MEDICAL SCHOOL PAID FOR BY SIMPLY RECOVERING TRILLIONS OF DOLLARS IN HEALTH INDUSTRY FRAUD AND STOPPING IT IN THE FUTURE FLOODS THE MARKET WITH PRIMARY CARE DOCTORS.


But then say health corporations we cannot pretend to need to bring third world doctors to the US that are used to high levels of fraud and corruption and not bothering with the Hippocratic Oath and HIPAA regulations and who have no rights as citizens so as to be exploited by these growing US  global health systems!

What is being said here is nothing new----we have been shouting it for decades----they simply are pretending they are working on this solution as they dismantle all the avenues to address this.

Primary care access a key to health disparities among counties ■ An annual ranking of counties based on health status found that gaps between the healthiest and unhealthiest regions of states are wide — and getting wider.

By Jennifer Lubell — Posted April 1, 2013 AMED NEWS.com

Washington If you're a resident of Howard County, Md., chances are fairly high that you have insurance, enjoy good health and have relatively easy access to a primary care physician. Take a short car ride to Baltimore, however, and the situation for residents is much more grim.

In Howard County, ranked as Maryland's healthiest in the most recent County Health Rankings and Roadmaps survey, only 9% of residents are uninsured, and just 8% are considered in poor health. There's one primary care physician for every 577 patients. In Baltimore City, the unhealthiest county in the state, the uninsured rate is nearly twice as high, and there's only one primary care doctor for every 985 patients — a combination that means a significant access-to-care problem.

The comparison underscores a key finding in the 2013 survey: Gaps between the healthiest and unhealthiest counties in individual states are large and continue to grow. The survey highlighted the fact that residents in the healthiest counties are 1.4 times more likely to have access to a primary care physician than those in the least healthy counties. Unhealthy areas also had higher rates when it came to a host of other negative indicators of overall health, including child poverty, teen pregnancy and premature death.

This is the fourth year that the Robert Wood Johnson Foundation and the University of Wisconsin School of Medicine and Public Health have surveyed the health of every county in the U.S., ranking them on a state-by-state basis to gauge the factors determining the health of residents. All survey measures use figures or percentages that take population into account so that a county such as Howard, with a population of less than 300,000, can be compared with Baltimore City's population of more than 600,000.

The rankings are set up so that every state has a healthiest and unhealthiest county despite the overall health of the state. But health outcomes can vary widely within a state, said Patrick Remington, MD, MPH, professor and associate dean at the University of Wisconsin School of Medicine and Public Health, during a teleconference to discuss the 2013 rankings. Louisiana and Mississippi are two states that often rank last in the nation on overall health. But when researchers dig into each state, they find as much variability among individual counties in Louisiana and Mississippi as they do in Vermont, a state that ranks relatively high nationally on patient health outcomes, he said.

Competition drives improvement Dr. Remington said promoting the results of county rankings has made a difference, “sparking action all over the country as people from all sectors join forces to create new possibilities in health — county by county.”

One of those areas is New Orleans, which has been trying to rebuild its infrastructure after Hurricane Katrina in 2005, said Karen B. DeSalvo, MD, New Orleans health commissioner and senior health policy adviser to the city's mayor. Orleans Parish typically has ranked in the 60-62 range in a state that has 64 counties, Dr. DeSalvo said. “So we've been at the bottom of the pack in one of the more unhealthy states in the country. What we're excited about this year is we've jumped up to number 48, so that's a big leap.”

In addition to overhauling its education system and making improvements to parks and playgrounds, the city has spent seven years on an initiative to develop its primary care infrastructure.

“We had essentially no neighborhood-based primary care before Katrina. People were reliant upon hospital-based services, especially those who were uninsured and underinsured,” Dr. DeSalvo said.

Since then, the city has responded by working with 25 organizations, ranging from small clinics to large hospital systems, to build access to primary care and outpatient mental care, with a particular focus on patient-centered medical homes and health information technology. The initiative has received financial support from philanthropic sources as well as some federal demonstration program funding to expand access to primary care rapidly. “This is a true public-private partnership,” she said.

Dr. DeSalvo said the renewed focus on building strong primary and preventive care at the neighborhood level probably has reduced unnecessary hospitalizations and led to improvements in screening rates for such conditions as diabetes and breast cancer.

Improving patient-reported measures and clinical outcomes is one of the strategic goals recently adopted by the American Medical Association. The AMA is focusing on promoting quality and safety, reducing unwarranted variation in care, and fostering appropriate use of limited health care resources.

Other factors leading to poor health The fact that fewer physicians and dentists practice in certain communities obviously contributes to poorer health in those areas, said Bridget B. Catlin, PhD. She's a senior scientist at the University of Wisconsin Population Health Institute and director of the County Health Rankings and Roadmaps survey. But, as she and other health care observers pointed out, lack of access is just one of many problems that go hand in hand with poor health among residents. In addition to measuring clinical care outcomes, the survey analyzes health behaviors, social and economic statistics, morbidity, and such physical environment elements as air and water quality.

“Other key factors that influence the health of a community are education, employment, income, and whether people smoke or have access to healthy foods and places to exercise. Some of these factors probably also influence physicians' decisions about where to practice,” Catlin said. “In particular, there is a widespread need for health care providers in rural areas.”

At least in Maryland, the health gap between the highest- and lowest-ranking counties largely comes down to socioeconomic conditions, said Brian Avin, MD, a neurologist and the president of MedChi, the Maryland State Medical Society. Howard County, a suburb of Washington, is one of the most affluent areas of the nation, “so whatever social factors you want to create, Howard is going to be the highest and Baltimore City is going to be the lowest,” he said. There's much more poverty and unemployment in Baltimore, as well as more people on Medicaid or going without insurance, generating more uncompensated care cases. “Obesity, smoking, any individual feature you're going to look at is going to be worse when you're not getting basic care.”

Howard County also has been trying to get all of its population insured, whereas no such strategic initiative exists in Baltimore City, Dr. Avin said.
___________________________________________


Baltimore has a policy of replacing school athletic courts and community center athletic courts with 'greening' development moving all of this to private non-profits like YMCA located too far for most to reach.  I literally had to fight for an athletic court for an elementary school of 300 students----Johns Hopkins Homewood wanted to make it a park. Parks and playgrounds across the city have been neglected as the city dismantled its Parks department and handed the funding to a private non-profit.  So school grounds have grass up to your knees, broken glass all because the city does not collect revenue from corporations and the rich and any that is collected go to projects connected to the same.   Baltimore City schools often have no recess and most schools have no athletic teams.  The tiered funding leaving these low-income schools run as businesses make it impossible to address these disparities so NOTHING is being done to actually address health issues ------they simply say they are doing so.

Private wellness non-profits are going into poor neighborhoods telling people to eat better and scolding when people explain that living in poverty places survival over preparing a good meal or even having a living space that allows it.  So, we are seeing these national private non-profits coming in to talk the talk of better health to communities now being kept from accessing any health care but preventative care.


There are some good programs-----Food stamps being used at Farmers Markets is a good thing.  If you are creating an environment of deeper and wider poverty as neo-liberals and neo-cons are doing today----none of this will end in data having better results and THEY KNOW THIS.

EXPANDED AND IMPROVED MEDICARE FOR ALL SIMPLY ALLOWS EVERYONE TO GET ALL THE CARE THEY NEED AND THAT IS THE BEST PREVENTATIVE MEDICINE AND YOU PAY FOR IT BY ENDING HEALTH INDUSTRY FRAUD AND PROFITEERING.


Below you see the vestige of a city no caring for families and with that goes health.  Day care is where children receive healthy exposure and access is critical to a family working and having low-incomes.  So, if you do not provide a system of day care-----and you are closing and defunding parks and playgrounds-----YOU DO NOT CARE ABOUT WELLNESS.
None of this information is new and Johns Hopkins is behind the redirecting of money and the lack of oversight and accountability and is the one charged now with the most responsibility in these Maryland health care reforms....THE OPPOSITE OF WHAT IS NEEDED FOR REAL CHANGE.


Below you see middle-class families saying OMG!!!!!  and it is all centered on the corporations/ rich taking all the revenue through fraud and corruption in the City of Baltimore and this expands across the State of Maryland.

Day care shortage frustrates parents in Baltimore.  Costs can top tuition at University of Maryland, College Park

The Children's Choice Learning Center, housed in the… (Karen Jackson, BALTIMORE…)July 14, 2013|By Tricia Bishop, The Baltimore Sun

In five months, the downtown Baltimore day care attended by Celine Plachez's youngest son is slated to close, yet she's not looking for a backup. She can't stomach it.

She searched before he was born, calling about a dozen places, some of which said they wouldn't have an opening in the foreseeable future. Others were so expensive, they cost more than tuition at the University of Maryland, College Park. And a handful were just plain unacceptable in terms of quality.

So she's devoting her energy to finding a way to keep open the Children's Choice Learning Center, housed in the Social Security Administration building on North Greene Street.

"Call me crazy — I refuse to look. I want to fight," said Plachez, a scientist who lives in Federal Hill. "We can make it happen. It's not impossible, it's not unrealistic."

Plachez's response to the center's planned closure highlights a frustrating reality: At a time when the city is trying to attract and retain families — and more women work than ever before — there's a lack of high-quality, affordable, regulated child care in Baltimore.

The shortage is particularly pronounced for children younger than 2, like Plachez's son, who require a higher, 3-1 ratio of children to staff under state law, making their care cost-prohibitive for many facilities.

For some who live or work in the city, the situation has significant consequences.

Rachel Winer Sticklin of Canton is postponing having a second child until the first is out of day care because her family can't afford to pay for two at once.

Judy O'Brien of Otterbein started looking for a spot two years before her newborn needs it, knowing she faced long waiting lists at many places.

And Jana Gauvey of Federal Hill brings her kids to Baltimore County, where she works in marketing, for their care.

"There weren't that many options close to our home," Gauvey said.

Others, particularly those with low incomes, are putting their kids in informal, unregulated city settings — often in the homes of neighbors operating babysitting businesses — in the hope that the financial savings won't equate to inadequate care.

Not enough spaces

Roughly 13,300 Baltimore children younger than 2 have mothers who work, and many of them need some kind of child care, from relatives, hired sitters or centers, according to a Baltimore Sun analysis of state data. Licensed facilities can accommodate at most 20 percent of them.

The surrounding counties face a similar issue, though only Anne Arundel County's case is as severe. In Howard County, for example, licensed facilities can handle up to 35 percent of the children under 2 who might need care; in Baltimore County up to 27 percent can be accommodated.

The quality of care is also thought to be less variable in the counties. A greater percentage of children enter kindergarten fully prepared in the counties than in Baltimore.

"In most cities, there is always a shortage of infant and toddler care, mainly because it's expensive to do it right," and Baltimore is no exception, said David W. Andrews, dean of the Johns Hopkins University School of Education. "The ratios of adults to children [here] just don't make it a very profitable scenario unless you're able to charge upward of 17, 18, 19 thousand per kid."

There are also a "number of consequences associated with" doing it wrong, Andrews said.

Studies increasingly show that the early years are crucial to a person's development. Ninety percent of brain growth happens before age 5, and the first three years of life are particularly important. Young children and infants are primed for learning, educators said, and their environment has a lasting impact.

Studies show that while parents have a strong influence on young children, day care effects can linger. Children in the highest-quality programs — where kids feel comfortable, stimulated and cared for by a stable staff — do the best years later in terms of social and academic development, and even health and economic prospects. Those who receive poor care are more likely to wind up in the criminal justice system, act out or drop out of school.

Yet early childhood education in the United States receives the least public investment of any schooling, leaving parents to bear much of the financial burden.

The average cost of full-time infant care at a Baltimore center, as opposed to a home-based site, is about $11,560, according to data from the Maryland Family Network, a private nonprofit that advocates for children and families.

That figure, which factors in the highest- and lowest-quality care options, is 40 percent higher than the average cost of tuition and fees at a state university — $8,220 in 2012. And it's roughly 30 percent of the median household income in the city before taxes.

"It's a real struggle for most parents," said Steve Rohde, the network's deputy director of child care resource and referral services.

____________________________________________
This article shows the mechanism that creates all this disparity and dysfunction.  A Baltimore global corporation headquartered in the Enterprise Zones that allow corporations to pay no taxes starve Baltimore's coffers for a few decades causing all of the crumbling of infrastructure and closing of facilities geared towards keeping citizens healthy.  All money is directed to boosting profits for this global corporation that adds almost nothing to the economy of Baltimore. 

IT IS A HUGE SUCKING MACHINE AND CORPORATE SUBSIDY IS ITS BEST ACHIEVEMENT.

So, here we have our Baltimore media giving this global corporation recognition for 'donating' a playground so it can write the costs of donation from any taxes that might be left to pay again starving government coffers.  Rather than consistently paying taxes so general funds can be distributed equitably across the city-----we have corporation simply selecting where they want their tax deduction to go.


THIS IS JOHNS HOPKINS DRIVING THESE POLICIES AND HOPKINS IS NEO-CONSERVATIVE WORKING FOR GLOBAL CORPORATE WEALTH WITH POLITICIANS RUNNING AS DEMOCRATS CREATING ALL THESE POLICIES.

The point is this-----the structures in place that have the public sector dismantled and complete control of policy given to corporations will never end with health policy that does what they say it will do.  They will simply create private non-profits that for the most part pretend to be doing something.  Remember, more and more people are falling into this abyss so we need the middle-class to WAKE UP and care about where these policies lead.

The taxes this corporation should have paid for a decade or so would have built dozens of playgrounds across the city.

If city employees were being paid to build this playground they could afford to live more healthily!

press release

June 10, 2014, 7:13 p.m. EDT

Baltimore-Based Global Education Company Builds New Playground for Local School

BALTIMORE, June 10, 2014 /PRNewswire/ -- Laureate Education, Inc., the world's largest higher education network, today built and donated a playground at The Historic Samuel Coleridge-Taylor Elementary School in Baltimore. Nearly 300 of Laureate's most senior executives from around the world came to Baltimore to build the playground. Laureate, formerly known as Sylvan Learning Systems, relocated its global headquarters to Baltimore in 1996, the first company to do so in more than twenty years. Laureate was the first company in the Harbor East neighborhood, a key part of Baltimore's federally designated empowerment zone. In the 18 years since moving to Baltimore, the company has grown from employing 300 people at the headquarters to more than 2,700.

More than 100 local volunteers joined Laureate executives and students to build the playground, in partnership with KaBOOM!. The playground will be accessible to nearby residents.

"It's a great honor to give back to the community that has given me -- and Laureate Education -- so much," said Douglas L. Becker, Laureate's founder, chief executive officer, and a Baltimore native. "We are committed to doing work that is here for good in every community in which we operate."

"The Historic Samuel Coleridge-Taylor Elementary School really is the center of this community and this new playground will help foster that sense of community that we cherish," said the school's principal, Dr. Harold A. Barber.

"Congratulations to Baltimore's own Doug Becker and Laureate Education on their 15th anniversary," said Mayor Stephanie Rawlings-Blake. "I'm so grateful that this Baltimore-based global company continues to invest in the local community in ways that benefit the people of this great city. The students of the historic Samuel-Coleridge Taylor Elementary School and members of the neighboring community will truly enjoy the new playground more than you will ever know. Thank you."
















0 Comments

July 03rd, 2014

7/3/2014

0 Comments

 
THESE ARE NEO-CON AND NEO-LIBERAL POLICIES SO TO ESCAPE BAD POLICY---DO NOT SIMPLY VOTE THE OTHER PARTY-----CLEAN UP THE DEMOCRATIC PARTY!

Maryland's Governor Martin O'Malley announced that shortfalls in the 2014 state budget due to a complete stagnation of Maryland's economy and high unemployment  created by control of Maryland's economy by global corporations will focus on programs and services valuable to the citizens of Maryland but not affect the massive giveaway of revenue in the guise of corporate subsidy, tax breaks, or any effort to reign in billions of dollars in corporate fraud. 

O'Malley as a neo-liberal calls this FISCAL RESPONSIBILITY


So, $10 million will be taken from higher education and that includes grants, financial aid, and scholarships to Maryland citizens and employment to 4 public universities essential to middle-class/working class/poor families.

Below you see how a neo-liberals systematically eliminate all public sector employment by saying it is not firing anyone but eliminating positions not filled.  Maryland has had its entire oversight and accountability sectors eliminated in this way.  What I want to focus on today is higher education and the outsourcing of public university jobs to such an extent that the state spends money to support an education system that does not even operate in the US or benefit the citizens of Maryland.  O'Malley spent his 8 years developing the structures for overseas education and made marketing and recruiting foreign students a priority.  This is where our higher education money is spent and media states that never has there been fewer citizens of Maryland unable to attend Maryland universities.  It is not only high tuition----it is the elimination of financial aid, grants, and scholarships.  It hurts the economy in that people are not hired to these state positions to earn the money needed for consumption of goods and this creates a stagnant economy.  O'Malley does this because he works for global corporations that want all state and local revenue spent expanding their businesses overseas,  promoting exports, and bringing foreign students to Maryland to graduate and be sent back overseas to work for US global corporations in other nations.  This entire process leaves out the families in Maryland and their children's ability to attend the best public universities in the state.  Don't worry.....O'Malley and neo-liberals spent hundreds of millions building a separate system of higher education for the citizens of Maryland that cheapen and track all into vocational training programs.  This also increases the number of foreign graduates that are not citizens ready to take high level jobs thanks to Obama's executive order to allow the high-skilled green card worker quotas to rise.  So, Maryland citizens are not able to access the higher education venues that lead to the best jobs.  When people who are not citizens are given these jobs they have no workplace rights and are not free to report abuse or illegal activity within the corporations for which they work.  In these times of systemic corporate fraud and corruption----this is critical.

So, an election year budget that protected labor positions is followed by budget cuts eliminating jobs right after the primary for Governor of Maryland.  Union leaders knew this would happen-----it happens all the time.  Neo-cons would be worse.
  Neo-liberals only pretend to be progressive labor and justice!

Remember, I have for years been explaining that the state was giving a rosy economic picture that was not real and I stated why the economy was indeed stagnant and unemployment high.  Below you see Franchot being the spoiler but the Comptroller's Office is ground zero for corporate tax fraud and the wrongful designation of corporations as non-profits and therefor losses in the hundreds of millions in state tax revenue each year which would happen with a republican in office as well.


State approves O'Malley's $84 million in budget cuts Poor economy prompts spending reductions


By Erin Cox, The Baltimore Sun 1:19 p.m. EDT, July 2, 2014



The lackluster economy prompted Gov. Martin O'Malley to propose erasing $84 million in planned spending for next year.

Just a day after the new state budget took effect, O'Malley persuaded the Board of Public Works unanimously to approve a modest set of cuts to Maryland's $16.1 billion general fund.

About $10 million in cuts come from the state's higher-education institutions, although O'Malley aides said it would not affect tuition rates.

The cuts would not cause any layoffs but would trim 61 vacant jobs from the state's workforce of about 80,000 people, aides said. More than half of those jobs will come from higher education, including 36 vacant posts in the University of Maryland system.

Even though the official estimate of how far revenue lags behind state spending will not be ready until September, the administration chose to begin budget cuts now — before agencies started spending this year's cash. Together, the cuts represent less than half a percent of the state's general fund.

O'Malley said that the cuts "build upon a tradition, a culture of fiscal responsibility." He pointed out the belt-tightening was much smaller than cuts the state took during the recession.

Comptroller Peter A. Franchot voted for the cuts, but said that state leaders need to drop the "political spin" about the state's improving economy and "stop pretending that we made it through the thicket."

"Our citizens don't want to hear the spin anymore, and they're not falling for it," Franchot said.

A federal economic report released last week showed that the U.S. economy contracted more during the first quarter of 2014 than in any quarter during the previous five years. That followed another U.S. Department of Commerce report showing that Maryland's economy had stagnated in 2013.

The sluggish growth means state revenues have fallen lower than officials estimated earlier this year.

O'Malley defended the state's financial health by citing its AAA bond rating and comparing Maryland's relatively small budget shortfall to larger looming problems in other states on the Eastern seaboard, some of which have shortfalls in the hundreds of millions.

"We are coming through this recession faster than a lot of other states," O'Malley said. He added, "there's a lot that is going right, and of course, still, a lot of work to do. In that spirit, I agree with the comptroller that we should have an honest conversation."

In January, O'Malley proposed a $39 billion state budget that increased spending by 4.9 percent and took effect Tuesday, the final state spending plan of his eight years in office.

T. Eloise Foster, O'Malley's budget secretary, said Wednesday's cuts are designed to resolve the shortfall for the entire year. "My plan is not having to do this again," she said.

While O'Malley's staff declined to offer a list of all the $84 million in specific cuts, they said they include $56 million to various government agencies, with some asked to eliminate vacant jobs, forgo software upgrades or pare back other expenses.

In addition to the $10 million cut from higher education, another $10 million will be shaved from the state budget by spending federal cash already in state coffers. And budget experts said they expect $7 million of anticipated expenses to not materialize.

The cuts would not affect the struggling Maryland Health Benefit Exchange insurance website or a series of new economic development programs to expand cybersecurity and biotechnology sectors in Maryland.

All cuts must be approved by at least two members on the state's three-person Board of Public Works, on which O'Malley, Franchot and State Treasurer Nancy K. Kopp sit.

The cuts pale in comparison to the big spending reductions the board approved during the recession. In 2010, O'Malley went to the board three times for a total of $614 million in spending cuts from the general fund. In 2009, he asked for a total of $429 million in cuts over three requests. And in 2008, O'Malley requested a single $213 million spending cut.

_________________________________________________

Below you see where all the money for higher education has gone during the neo-liberal O'Malley's terms in office-----building this network of global PhDs and it has nothing to do with the citizens of Maryland!  This is what the US Senate based their immigration reform bill ------the bringing of foreign students and grads to America and then allowing them to take these US corporate positions often the best positions.  We are not anti-immigrant nor do we want to exclude foreign students from our universities-----quite the opposite, this should be robust.  We are against the simultaneous defunding of higher education for the bulk of Maryland citizens and it is deliberate.

WE CAN FUND HIGHER EDUCATION FOR ALL THAT WANT TO ATTEND OUR MARYLAND UNIVERSITIES BY ENDING CORPORATE SUBSIDIES AND TAX BREAKS AND FOR GOODNESS SAKE MASSIVE CORPORATE FRAUD.

All this is happening because of global corporate control of the Maryland economy.  We do not need these global connections for a healthy economy------it does just the opposite----it stagnates the economy.

The Global Ph.D.
July 3, 2014 By Holly Else
for Times Higher Education



Internationalizing the doctoral training process could help to overcome negative perceptions about the employability of Ph.D. students outside academia, said participants at a recent conference.

Universities in several countries are beginning to think of new ways to cater for the rising number of overseas doctoral students, speakers at the European University Association’s annual meeting on doctoral education told delegates in Liverpool.

International doctoral students offer a “cost-effective” way for institutions to build international links. But problems surrounding complex visa rules, falling domestic student numbers and the cost of running international joint doctoral programs remain.


The number of domestic doctoral candidates at Australia’s University of Queensland started dwindling in 2008, according to the head of its graduate school, Alastair McEwan. To compensate, the university has enrolled international students, who now make up about 40 percent of the doctoral student body.

The shift is “most dramatic” in engineering, architecture and IT, where departments are “heavily reliant” on overseas students, he said. He added that the university is investing in this area because Ph.D. students “are absolutely critical” to research output and are “a very cost-effective way to promote international linkages.”

McEwan said that the benefits international doctoral candidates bring to the institution “cannot be overestimated”. Their presence offers students a “breadth of knowledge about other cultures.”

“That is an important transferable skill that should be part of a student’s employability development. Internationalization of the Ph.D., or international interactions, could help us overcome some of the negative perceptions about the employability of Ph.D. students outside academia,” he added.

But he said that having overseas students enrolled on doctoral programs was a one-dimensional method of internationalization. “The next stage is to start thinking about other ways,” he said, adding that the answer did not lie in Ph.D.s that are run jointly with overseas institutions.

“These come with a high overhead as they are very hard to manage.... I’m not convinced that this is the most efficient or effective way to manage things in the long run,” he added.


American institutions are also seeing a rise in the number of overseas doctoral candidates in science, technology and engineering subjects. The vice provost and dean of Cornell University, Barbara Knuth, said: “We should be concerned in the U.S. in terms of [what] our doctoral pool will be for economic development purposes.”

She said that the nation’s immigration policies are “complex and quite limiting.”

“Doctoral students are eager to come to the U.S. to study, but we are not very good at encouraging them to stay after their degrees,” she added.

Cornell is now working to internationalize the doctoral experience for all students. Internationalizing the Ph.D. process would help to expand a graduate’s professional networks and employability, she said.

At the institutional level, it will broaden intellectual discoveries, help academics to address complex global problems and increase the visibility and exposure of the institution globally, she said.

Jean Chambaz, president of the University of Pierre and Marie Curie in France, said that universities needed to move beyond memoranda of understanding when it comes to working together internationally.

“We need focused, balanced programs on questions of common interest that include multilateral doctoral candidates and staff circulation,” he told delegates.


______________________________________________
Below you see why more and more staff are being cut from our public universities-----all the jobs are being outsourced to global corporations that are doing the work overseas that people right here in Maryland should be doing and these citizens of Maryland would do a better job.  It is done simply to reduce labor costs as pay is lower overseas and we wouldn't want all of those pesky public sector benefits providing the citizens of Maryland a first world quality of life say neo-liberals.


Is a global corporation needed to process college applications charging fees for doing so -----money which could hire a local person with a public university to do this job?  We all know massive corporate fraud is infused in all these business arrangements so universities are losing far more money by outsourcing these jobs than saving.  So, fighting fraud in court is worth eliminating staff at a university who could be held accountable to do the work right?

THAT'S A NEO-LIBERAL FOR YOU---WORKING FOR
WEALTH AND PROFIT SENDING ALL PUBLIC ASSETS TO CORPORATIONS WHILE IMPOVERISHING THE CITIZENS OF AMERICA.


IT IS ABSOLUTELY ABSURD THAT AN EDUCATIONAL INSTITUTION IS INVOLVED IN ALL THIS INTRIGUE------JUST EDUCATE THE US CITIZENS!


Troubles at Embark

July 3, 2014 By Ry Rivard  Inside Higher Education

Embark, whose software helps colleges to process online applications, has owed graduate and professional schools millions of dollars and misled university officials about why it wasn’t quickly paying up, a former executive of the company is alleging amid an ongoing legal dispute.

In June 2013, Embark owed its clients $4.7 million from student application fees it collected, according to a filing in New York state court by lawyers for Raza Khan, a former chief technology officer and board member at Embark.

Even though payments were supposed to be made in a matter of months, $1.2 million of that had been owed to colleges for more than a year, according to a spreadsheet filed last month that is said to reflect the company’s bookkeeping as of late June 2013.

Khan, who left the company around the same time, alleges company officials improperly spent money owed to colleges in order to deal with Embark’s “cash flow problems.” The money was supposed to go to colleges directly and quickly, but, according to Khan, Embark officials intentionally delayed paying back colleges and “concocted” false stories to cover up the true reason for the delays.

Embark processes admissions applications for colleges across the world, including elite graduate programs. Colleges pay Embark for its services, but Embark is obligated to pay the institutions all or most of the application fees it collects. Khan’s allegations center on Embark’s failure to give colleges their share of those student application fees.

Embark got a judge to partially seal the documents, but they were available on the court’s website for several days last month.  The company’s lawyer declined repeated requests for comment on the merits of Khan’s claims.

Khan is engaged in a bitter legal fight with his former business partner and high school classmate, Vishal Garg.

In June 2013, Embark owed its clients $4.7 million, including student fees collected as far back as 2009, according to Khan’s filing.

The largest single unpaid amount is over $1 million, which Embark is said to owe to Mount Sinai School of Medicine.

Sid Dinsay, a spokesman for the medical school in New York City, declined to comment.

When colleges asked for their money, the company sometimes “concocted” reasons that its payments were delayed, according to Khan’s filing.

In a September 2011 email also contained in Khan’s filing, Blake Avalone, then director of client relations, told another Embark official to use a “canned response” to hold off a college that was asking for money dating to the beginning of that year. The response Avalone approved blamed a “credit card processor” for the delay. Khan said in his filing that this was among the “false explanations” Embark gave colleges for payment delays.

Another Embark employee in the same email thread suggests that the email “be sent from ‘Accounting’ if that helps.” In an email chat included in the court filing, the same employee also said, “if we're going to lie, the vaguer the better no.”

Avalone, now Embark’s managing director, did not respond to multiple emails seeking comment. Emails and voicemails were not returned by anyone at Embark over the past two weeks.

Several universities, including the University of Michigan and at least one graduate program at Harvard University, have threatened legal action against Embark. Officials at both those institutions said they were paid by Embark after they made those threats.

At least one other university has recently complained to Embark. The University of California at Davis hired a lawyer to help it collect money it says Embark has owed since spring 2012, according to a letter released by the university.  In mid-May of this year, the university’s lawyer demanded that Embark pay $38,589 by June 15. That didn’t happen.

“No money was received – only a promise from the [Embark] president to follow up,” a UC Davis spokeswoman said in an email last month.

Other universities are being paid back, if only gradually.

A spokesman for Thunderbird School of Global Management said last month Embark still owes it $71,000. The school ended its relationship with Embark last fall for other reasons, the spokesman said. Khan’s filings suggest the school was owed $215,000 at one point. Thunderbird could not confirm that figure.

As of last summer, Rutgers University’s business school was owed $261,000 for fees dating as far back as April 2011, according to Khan’s filing. Much of that has been paid, the university said last month.


“Since the beginning of 2014, Embark has paid $229,260 to the Rutgers Business School – Newark and New Brunswick,” a Rutgers spokesman said in an email. “The school continues to work with Embark to collect the remaining balance.”

It’s not clear exactly how precise the spreadsheet is in Khan’s filing: It says Georgia State University is owed $81,000 for fees it collecting in 2010 and 2011, though a Georgia State official said that Embark paid it $80,000 several years ago for work done in 2009 and no longer owes the university money. UC Davis, on the other hand, is asking for more money than the spreadsheet shows it is owed.

Khan first made allegations about Embark’s repayments to colleges in July 2013, when he sued his business partner Garg. But Khan provided more details about Embark’s business last month in a separate case in which Embark is suing him.

Garg and Khan founded MyRichUncle, an upstart student loan company that made its name lending directly to students before its parent company, MRU Holdings, went bankrupt in 2009. MyRichUncle was well-known in higher ed circles in the mid-2000s for its aggressive marketing that accused college financial aid officers of engaging in “kickbacks.”

Before the bankruptcy, MRU quietly bought Embark from the Princeton Review in 2007, vowing to invigorate a company that had seen its value and reach tumble during the six years Princeton Review owned it.

Khan’s filing suggests he and Garg were unable to do so. Now, Garg’s wife, Sarita James, is president of Embark. James did not respond to multiple emails over the past two weeks seeking comment.

Khan claims Garg and others at Embark “circulated false financials” to the company’s clients and delayed payments to them because of cash flow problems.

Sometimes, even after threatening legal action, a client would stick with Embark.

In February 2013, a graduate program within Harvard Law School asked Embark for $120,000 owed to it since November and December 2012.

“Despite the promise of wire transfers by Embark (supposedly made on Feb. 1 initially and then again on Feb. 20), and despite our request for actual confirmation of the transfers, we have not received anything, not even evidence that any of the wire transfers were actually made,” Harvard assistant dean Jeanne Tai wrote in a February 2013 email, which appeared in the court filing. Harvard is not a party to the litigation.

Reached last month by phone, Tai said everything had since been squared away.

“They have since made good on everything they owed and since that period of time, we haven’t had any trouble getting what they owed us,” she said.

The Harvard graduate program remains a client.

Khan’s filing said even though Embark knew that it owed money to colleges, Garg, the former head of the company, “did not intend to cause Embark to pay such amounts owed unless and until the schools complained.”

Officials at several other institutions said to be owed money declined to comment in detail or did not return calls seeking comment about their relationship with Embark.

After the MRU bankruptcy filing, Khan and Garg quickly started another company, Education Investment and Finance Corporation, or EIFC, which manages and services private student loans and mortgage-backed securities.
______________________________________________

Bill and Hillary Clinton are the face of these global corporations and neo-liberalism.  They plan to win the White House in 2016 and are getting Hillary into all venues they had a hand in destroying.  High tuition and devastating student loan debt happened because the Clintons started the corporatization of US universities with the goal of creating US global corporate universities.  Bill and Hillary are the face of the 2008 economic crash that has left millions of US college grads without employment----they created these Wall Street banks by deregulating the financial industry and breaking Glass Steagall so these banks could grow to the global corporations knowing they would control the US government and economy.

PLEASE DO NOT ALLOW HILLARY AND NEO-LIBERALS TO TAKE CONTROL OF DEMOCRATIC PARTY CAMPAIGNING----RUN AND VOTE FOR LABOR AND JUSTICE CANDIDATES AGAINST ALL NEO-LIBERALS IN DEMOCRATIC PRIMARIES.  You can see why, here in Maryland it was critical for Anthony Brown to win-----heaven forbid the candidate wanting to dismantle all of this corporate structure win!


The Clinton's funded Anthony Brown's campaign because he will embrace this global corporate structure as O'Malley did and the marginalization of the citizens of America.
  The Clinton Foundation is a global corporate development institution so all that money she is making will be tax-free.

Scrutiny for Hillary Clinton Speaking Fees at Colleges

July 3, 2014

Inside Higher Ed

At least eight universities have paid hundreds of thousands of dollars to Hillary Clinton to speak on their campuses, The Washington Post reported. Students at the University of Nevada at Las Vegas, where she is due to be paid $225,000 to speak in the fall, have protested, and that is drawing attention to the likely presidential candidate's high fees, not all of which have been previously disclosed. Some of the payments ($200,000 is believed to be standard) have gone not to Clinton personally, but the Bill, Hillary and Chelsea Clinton Foundation.

____________________________________________
Here in Maryland, Baltimore is ground zero for the dismantling of public education from K-college.  Johns Hopkins is the driver of this policy.  They have a corporation that works to recruit overseas education labor and bring them to America to work in K-12 and in universities and colleges.  Why bring immigrant labor to teach in US schools when we have huge unemployment and plenty of teachers?  Well, Race to the Top and all of the teacher accountability that has nothing to do with quality education but everything to do with chasing current teachers out of a hostile system----- will need people to replace the US teachers that leave out of frustration and the fact that no one will want to be exposed to these kinds of working conditions.  There comes the need for foreign workers taking jobs in public schools.

Remember, the goal with K-12 is to have online classes that only need a person like an education tech in the classroom to facilitate an online presentation of material.  That education tech does not need to be a real teacher-----they only need to know how to start the online lessons and administer the tests.  So, neo-liberals have as a goal of completely dismantling our entire public education system and quality democratic education.  Think the absolutely botched rollout of Race to the Top is an accident?  This policy has been in the making since the beginning of the Bush Administration----it is a republican policy written by US corporations a decade ago----it is no accident that teachers are being subjected to the worst of conditions in this education reform rollout----neo-liberals hate labor and unions and want to get rid of public sector unions through privatization with national charter chains and global corporations specializing in education temps.


I cannot tell you how revolting it is that America is behind all of this labor abuse and it is neo-liberals controlling the people's Democratic Party leading this.

Neo-cons write the policy and neo-liberals run as Democrats to implement these policies that kill the labor that votes for them.

Monday, May 26, 2014, 1:00 pm

Trafficked Teachers: Neoliberalism’s Latest Labor Source

BY George Joseph Working In These Times


Recruiting companies in the U.S. are attracting some of Philippines' best teachers with one-year guest worker visas to teach in American public schools, saddling the teachers with hidden fees and furthering the Philippines' growing teacher shortage. (SuSanA Secretariat/ Flickr / Creative Commons)  

Between 2007 and 2009, 350 Filipino teachers arrived in Louisiana, excited for the opportunity to teach math and science in public schools throughout the state. They’d been recruited through a company called Universal Placement International Inc., which professes on its website to “successfully place teachers in different schools thru out [sic] the United States.” As a lawsuit later revealed, however, their journey through the American public school system was fraught with abuse. 

According to court documents, Lourdes Navarro, chief recruiter and head of Universal Placement, made applicants pay a whopping $12,550 in interview and “processing fees” before they’d even left the Philippines. But the exploitation didn’t stop there. After the teachers landed in LAX, they were required to sign contracts paying back 10 percent of their first and second years’’ salaries; those who refused were threatened with instant deportation.

“We were herded into a path, a slowly constricting path,” said Ingrid Cruz, one of the teachers, during the trial, “where the moment you feel the suspicion that something is not right, you're already way past the point of no return." Eventually, a Los Angeles jury awarded the teachers $4.5 million.

Similar horror stories have abounded across the country for years. Starting in 2001, the private contractor Omni Consortium promised 273 Filipino teachers jobs within the Houston, Texas school district—in reality, there were only 100 spots open. Once they arrived, the teachers were crammed into groups of 10 to 15 in unfinished housing properties. Omni Consortium kept all their documents, did not allow them their own transportation, and threatened them with deportation if they complained about their unemployment status or looked for another job. 

And it’s not always recruiting agencies that are at fault. According to an American Federation Teachers report, in 2009, Florida Atlantic University imported 16 Indian math and science teachers for the St. Lucie County School District. Labeling the immigrant teachers as “interns,” the district only spent $18,000 for each of their yearly salaries—well below a regular teacher’s rate. But because the district paid the wages to Florida Atlantic University, rather than the teachers themselves, the university pocketed most of the money, giving the teachers a mere $5,000 each.

Researchers estimate that anywhere from 14,000 to 20,000 teachers, imported on temporary guest worker visas, teach in American public schools nationwide. Such hiring practices are often framed as cultural exchange programs, but as Timothy Noah of the New Republic points out—in this case about Maryland’s Prince George County—“When 10 percent of a school district’s teachers are foreign migrants, that isn’t cultural exchange. It’s sweatshop labor—and a depressing indicator of how low a priority public education has become.”

A manufactured problem School districts frequently justify hiring lower-paid immigrants by pointing to teacher shortages in chronically underfunded rural and urban school districts. And it’s true: In poorer areas, classrooms are often overcrowded and understaffed. But this dearth of instructors did not come out of nowhere. Rather, it is an inevitable result of the austerity measures pushed through on a federal, state, and local level after the panic of the 2007 financial crisis.

As the Center on Budget and Policy Priorities notes, between 2008 and 2011, school districts nationwide slashed 278,000 jobs. This bleeding has not stopped: According to the Center on Education Policy, almost 84 percent of school districts in the 2011-2012 school year expected budget shortfalls, and 60 percent planned to cut staff to make up deficits.

Thus, we see a familiar pattern of neoliberal “restructuring” in American school systems: Cut public institutions to the bone, leave them to fail without adequate resources, then claim the mantle of “reform” while rebuilding the institutions with an eye towards privatization.   

In many cities, newly laid-off instructors are left to languish while their former employers employ underpaid replacements to fill the gaps. For example, the Baltimore City Public Schools district has imported more than 600 Filipino teachers; meanwhile, 100 certified local teachers make up the “surplus” workforce, serving as substitutes and co-teachers when they can. 

The manufactured labor scarcity narrative, used to justify the importation of guest worker teachers, provides districts with the opportunity to employ less costly, at-will employees, whose precarious legal status is often exploited. Such moves to pump up the workforce with workers—not here long enough to invest themselves in organizing or bargaining struggles—also serve to weaken shop-site solidarity and unions’ ability to mobilize on a larger scale.

The recruiting contactors’ advertisements to districts are particularly instructive in this regard, noting their recruits’ inability to qualify for benefits and pension contributions. In an extensive study, education professors Sue Books and Rian de Villiers found that recruiting firms tend to appeal to districts on the basis of cost-saving, rather than classroom quality. As one Georgia contractor, Global Teachers Research and Resources, advertises, “school systems pay an administrative fee [to GTRR] that is generally less than the cost of [teacher] benefits. Collaborating with GTRR means quality teachers with savings to the school systems.” Even more egregiously, a Houston based recruiting firm called Professional and Intellectual Resources exclaims that their “bargain-priced” Filipino teachers can “make the most out of the most minimal resources. 

Memorizing isn’t learning This criterion for hiring makes sense in the context of what philosopher Paulo Freire calls “the banking concept of education.” In his 1968 classic, The Pedagogy of the Oppressed, Freire critiques the pedagogical tradition of rote memorization, in which the teacher-as-narrator “leads the students to memorize … the narrated content.” Freire argues, “It turns [students] into ‘containers,’ into ‘receptacles’ to be ‘filled’ by the teacher. The more completely she fills the receptacles, the better a teacher she is.”

However, Freire’s “narrative” is no longer even in the hands of teachers, who might at least have some understanding of content relevant to students. Instead with the rise of test-based approach to education, forced through with No Child Left Behind, Race to the Top, Common Core, and numerous ramped-up state tests, nameless corporate and federal employees now tie teachers and students’ success to the production of higher test scores. Thus, today’s cutting-edge education reform movement has brought this “banking concept of education” back into vogue, demanding “objective measures” and “accountability” through constant standardized testing. 

The idea that new teachers should be imported from halfway around the world for yearlong stints, knowing no background about the communities they are entering and the content relevant to them, is only justified if the teacher is reduced to an instrument of standardized information transmission. And if teachers are just such instruments, why not search the global market for the cheapest, most malleable ones possible?

As Books and de Villiers point out, many recruiters’ advertisements reflect this logic: “Only two [recruiters’] websites apprise teachers of the socio-economic, racial, ethnic, and religious diversity in many U.S. schools. Only five include useful educational links, and only three provide information about school-based mentoring.” So for corporate recruiters and their district clients, finding the right match for a school is not about teacher quality or experience, but rather cost and expendability.

The phenomenon of teacher trafficking, then, doesn’t rest entirely on recruiters’ mercenary tendencies or districts’ drive to cheapen their labor. It also rests on the larger neoliberal conception of workers. In this case, teachers become moveable parts, switched out in accordance with the iron laws of supply and demand in order to more efficiently output successful test scores, whose value comes to represent students themselves. 

Colonialism in the classroom The American importation of Filipino teachers, as well as educators from other countries, has consequences beyond the United States, too. According to Books and de Villiers, several recruiting agencies only seek out teachers in the Philippines because its high poverty rates and supply of quality teachers make it, as one journalist from the Baltimore Sun put it, “fertile ground for recruits.” Meanwhile, the nation has an estimated shortage of 16,000 educators and the highest student-teacher ratio in Asia at 45:1.

As one Filipino union leader told the American Federation of Teachers, “To accommodate the students, most public schools schedule two, three and sometimes even four shifts within the entire day, with 70 to 80 students packed in a room. Usually, the first class starts as early as 6:00 a.m. to accommodate the other sessions.” And as American corporate forces have exploited the Philippines for its best teachers, pushed across the world by the beck and call of the market, agents of the nonprofit world have taken it upon themselves to send American substitutes in their place.

Launched last year, Teach for the Philippines presents itself as “the solution” to this lack of quality teachers in the country—a claim similar to those of its U.S. parent organization, Teach for America, a behemoth nonprofit that each year recruits thousands of idealistic college graduates to become (and often replace) teachers in low-income communities after a five-week training camp.

The Teach for Philippines promo video begins with black and white shots of multitudes of young Filipino schoolchildren packed into crowded classrooms, bored and on the verge of tears. A cover version of a Killers song proclaims, “When there's nowhere else to run … If you can hold on, hold on” as the video shifts to the students’ inevitable fates: scenes of tattooed gang kids smoking, an isolated girl and even a desperate man behind bars. In the midst of this grotesquely Orientalizing imagery, text declares, “Our Country Needs Guidance,” “Our Country Needs Inspiration,” and finally “Our Country Needs Teachers.”           

Teach for the Philippines recruits young Filipinos both domestically and internationally, with special outreach to Filipino Americans. Though still in its start-up phase, with only 53 teachers in 10 schools, the program presents a disturbing vision for the future of teaching in the context of a global workforce. While the Filipino teachers imported to America are not necessarily ideal fits, given their inability to remain as long-term contributors to a school community, at least they are for the most part trained, experienced instructors. Within the Teach for the Philippines paradigm, however, Filipino students, robbed of their best instructors, are forced to study under recruits, who may lack a strong understanding of the communities they are joining and have often have never even had any actual classroom experience.

But Teach For the Philippines is just one growing arm of Teach for America’s global empire, now spanning the world sites in 33 countries and enjoying millions in support from neoliberal power players like Visa and even the World Bank. So while austerity-mode Western nations may seek to cut costs by employing no-benefits guest workers, countries such as the Philippines will be forced by the unbending logic of the market to plead for international charity—summer camp volunteers looking to “give” two years of their lives to really make a difference.           

In the Pedagogy of the Oppressed, Freire argues, “It is to the reality that mediates men, and to the perception of that reality held by educators and people, that we must go to find the program content of education.” But for such a reality to be approached, teachers and communities must have the opportunity to grow together, to listen to each other, and to understand the reality that they seek to transform. By pushing teachers into a globalized pool of low-wage temp workers, teacher trafficking precludes this possibility.








0 Comments

June 30th, 2014

6/30/2014

0 Comments

 
WHEN PLUNDER BECOMES A WAY OF LIFE FOR MEN IN A SOCIETY, OVER THE COURSE OF TIME THEY WILL CREATE FOR THEMSELVES A LEGAL SYSTEM THAT AUTHORIZES IT AND A MORAL CODE THAT GLORIFIES IT.


Bastiat wrote this in 1848 and it rings as true today as it ever did.

Neoliberalism is the name of the contemporary system of plunder:

http://anotherangryvoice.blogspot.com/2012/09/what-is-neoliberalism-explained.html


I want to revisit Rule of Law since I am in the midst of demanding my rights as a citizen be heard.  Remember, the US Constitution guarantees our rights as citizens.  WE THE PEOPLE have the right to legislate.  WE THE PEOPLE have equal protection under law.  WE THE PEOPLE have a Bill of Rights that is protected by three branches of government----Executive, Legislative, and Judicial.  A Rule of Law nation cannot simply suspend equal protection and enforce only laws power decides to enforce.  When our Maryland Attorney General runs for Governor with a platform issue to eliminate the State Prosecutor's Office particularly when Maryland is ranked at the bottom in the nation for fraud, corruption, and lack of transparency-----HE IS TELLING THE CITIZENS OF MARYLAND ---YOU HAVE NO RIGHTS TO PUBLIC JUSTICE.

Rule of Law may have a low or high degree of discretion, but Equal Protection places this squarely in the high degree.


Categorization of interpretations of Rule of Law------Wikipedia
 
Different people have different interpretations about exactly what "rule of law" means. According to political theorist Judith N. Shklar, "the phrase 'the Rule of Law' has become meaningless thanks to ideological abuse and general over-use", but nevertheless this phrase has in the past had specific and important meanings.[24] Among modern legal theorists, most views on this subject fall into three general categories: the formal (or "thin") approach, the substantive (or "thick") approach, and the functional approach.[25][26]

The "formal" interpretation is more widespread than the "substantive" interpretation. Formalists hold that the law must be prospective, well-known, and have characteristics of generality, equality, and certainty. Other than that, the formal view contains no requirements as to the content of the law.[25] This formal approach allows laws that protect democracy and individual rights, but recognizes the existence of "rule of law" in countries that do not necessarily have such laws protecting democracy or individual rights.


The substantive interpretation holds that the rule of law intrinsically protects some or all individual rights.

The functional interpretation of the term "rule of law", consistent with the traditional English meaning, contrasts the "rule of law" with the "rule of man."[26] According to the functional view, a society in which government officers have a great deal of discretion has a low degree of "rule of law", whereas a society in which government officers have little discretion has a high degree of "rule of law".[26] The rule of law is thus somewhat at odds with flexibility, even when flexibility may be preferable.[26]

The ancient concept of rule of law can be distinguished from rule by law, according to political science professor Li Shuguang: "The difference....is that, under the rule of law, the law is preeminent and can serve as a check against the abuse of power.
Under rule by law, the law is a mere tool for a government, that suppresses in a legalistic fashion."[27]



Folks, the Supreme Court is allowed to interpret law, not re-write it.  There is nothing in the Constitution or its history that allows for corporations to be termed citizens.  The original framers fought the Revolutionary War to get away from aristocracy and the East India global corporation so we know the Constitution would not be interpreted as has now been decided.

The system failed when our Senate and House failed to impeach Roberts for allowing such a vote to take place.  DID YOU HEAR ANY OF YOUR POLS SHOUT THAT IMPEACHMENT OF ROBERTS WAS REQUIRED WITH THIS ASSAULT ON THE CONSTITUTION?


Now, neo-liberals in states like Maryland are pretending a candidate has to have money in order to be viable.  Dismantling all public sources of education and voice on policy places all the power in the hands of private media and private non-profits to educate the public as they see fit.  This is why in Maryland the agencies tasked with enforcing election law ignore the violations---they do not see any rights of citizens.

"While some still believe the United States is the greatest democracy on Earth, the US is actually a plutocracy, a government ruled by the wealthiest. The recent Supreme Court decision in McCutcheon will subject us to an even stronger plutocracy that no one will be able to deny. The ‘rule of money’ will become more deeply entrenched at a time of economic and environmental crisis."... As both Nixon and Mao said "Now is the time, seize the time."

Cindy Walsh is a simple social democrat but I value the voice of those citizens who feel disconnected from the two party system.  I say repair the Democratic Party while others call for a third party. 

WE ALL KNOW THE STATUS QUO IS NOT WORKING.


I disagree with the article's depiction of wealth inequity -----it is massive corporate fraud of ens of trillions of dollars that has created this inequity and we simply need to reinstate Rule of Law to bring back that money to government coffers and individual's pockets.  IT'S ALL RULE OF LAW AND EQUAL PROTECTION.

The McCutcheon Decision Is Our Rallying Cry
By Kevin Zeese & Margaret Flowers, www.alternet.org
April 8th, 2014
 


While some still believe the United States is the greatest democracy on Earth, the US is actually a plutocracy, a government ruled by the wealthiest. The recent Supreme Court decision in McCutcheon will subject us to an even stronger plutocracy that no one will be able to deny. The ‘rule of money’ will become more deeply entrenched at a time of economic and environmental crisis.

In the US today, a small group of people rule over hundreds of millions of us through a government corrupted by money; and controls the economy through mega-businesses that receive special treatment from that government, prevent entrepreneurial competition and control tens of millions of people through low wages and high debt. The plutocrats fund the only two parties allowed to run for office and the people are manipulated by fear to vote against their interests in a mirage democracy of rigged elections.

The legitimacy of the US government is now in question. By illegitimate we mean it is rule by the 1%, not a democracy ‘of, by and for the people.’ The US has become a carefully designed plutocracy that creates laws to favor the few. As Stephen Breyer wrote in his dissenting opinion, American law is now “incapable of dealing with the grave problems of democratic legitimacy.” Or, as former president, Jimmy Carter said on July 16, 2013 “America does not at the moment have a functioning democracy.”

Even members of Congress admit there is a problem. Long before the McCutcheon decision, Senator Dick Durbin (D-IL) described the impact of the big banks on the government saying: “They own the place.” We have moved into an era of a predatory form of capitalism rooted in big finance where profits are more important than people’s needs or protection of the planet.

It is up to us to use McCutcheon to energize the movement against money-corruption of the government and economy. Throughout history, bad court decisions have helped energize movements; people power can make that happen again. Already there is a growing movement against the American plutocracy.


Predatory Capitalism Feeds on Public Dollars, Forced Debt

Where does the strength of the plutocrats come from? Their control of public policies has created a massive welfare state for the wealthy while the rest of us are driven into debt. Understanding this relationship is essential if we are going to end it.

This week Strike Debt, an off-shoot of Occupy Wall Street, published the second edition of The Debt Resisters’ Operations Manual. They open the manual by describing the pervasiveness of debt:

“Everyone is affected by debt, from people taking out payday loans at 400% interest to cover basic living costs, to recent graduates paying hundreds of dollars in interest on their students loans every month, to working families bankrupted by medical bills, to elders living in ‘underwater’ homes, to the teachers and firefighters forced to take pay cuts because their cities are broke, to people in the global South suffering due to their countries being pushed into austerity and poverty by structural adjustment programs. Everyone seems to owe something, and most of us are in so deep it’ll be years before we have any chance of getting out—if we have any chance at all.”

Strike Debt points out that “over three-quarters of us have some type of personal debt. At least 14% of people living in the United States are already being pursued by debt collectors, which is more than double from a decade ago.” Putting people into the debt of big banks is “a profoundly effective form of social control.” When students leave school anchored by massive debt, it limits their choices. When underpaid workers are in debt with credit card bills or mortgages, it makes it impossible for them to fight for fair treatment at work or to quit and risk not being able to find another job.

Why do we have these debts? Because the policies put in place by corporate-dominated political parties have created unjust laws over time that ensure we accumulate massive debt.


As Strike Debt summarizes the situation:

“The reason you have tens of thousands of dollars in medical bills is that we don’t provide medical care to everyone. The reason you have tens of thousands of dollars of student loans is because the government, banks, and university administrators have contrived to cut government subsidies that support education while driving college costs through the roof. Unlike fifty years ago, it’s simply impossible for all but the wealthiest to attend college without them. Bubbles drive housing and food prices up, wages are kept artificially low so that they don’t keep up with inflation, and more and more of us rely on proliferating forms of ‘casual,’ ‘flexible,’ and part-time employment.”

The denial of basic services and education puts Americans from the poor through the upper middle class in economic peril. To add insult to injury, our public dollars that could pay for essential services and education are used instead to enable predatory behavior by big corporations. The biggest recipients of welfare are big business interests like Walmart and the big banks.

Walmart is the largest private employer in the US, with annual profits of over $15 billion. The six Walmart heirs have more wealth than the bottom 40% of all Americans combined. How did they get there? Massive government subsidies are central to Walmart’s business plan. These include tax breaks from state and local governments for each of their nearly 5,000 stores in the United States. And government subsidies to their employees for healthcare, food and housing because Walmart pays poverty wages. Of all retail outlets, Walmart is the largest recipient of government assistance in the country.

However, the biggest recipients of government assistance are the banks themselves. Through the private corporation known as the Federal Reserve, the banks have been given trillions of dollars in virtually no-interest loans. The banks then lend the money to the government at an immediate profit or to consumers and businesses for an even bigger profit. And then the banks borrow on those loans and expand their wealth even further, using the money to gamble on derivatives or other risky activities that put the economy at risk.

By giving the banks the governmental power to make money, a handful of Wall Street banks have become the dominant sector of the economy. Retaking the governmental power to create money would be a major step towards transforming the economy.

As if these subsidies aren’t enough, the banks and other large corporations also avoid paying taxes. One of many tax avoidance schemes is to keep money off-shore. A new report from ISI Research finds that U.S. S&P 500 companies now have $1.9 trillion parked outside the country. There have been proposals for a global tax on this income, but in our government owned by banks, these do not move forward.

While there are many predatory practices by the big banks against people in the United States, it is sometimes easier to see them when we look at behavior around the world.  As the Debt Resister’s Operations Manual points out, “in 2008, the world’s poorest countries were paying $23 million a day in interest payments to the rich industrial world, for loans where the original principal had often already been paid back several times over.” In the US and around the world, they point out that: “Debt … has become the primary form of extracting and accumulating wealth for the rich.”

As a result of World Bank policies, millions of people are being thrown off their land because large corporations are being given special rights. The World Bank is driving this destructive trend with its Doing Business rankings, which force countries to compete with each other to do away with things like environmental protections, worker’s rights and corporate taxes. “The World Bank is facilitating land grabs and sowing poverty by putting the interests of foreign investors before those of locals,” says Anuradha Mittal, Executive Director of the Oakland Institute.

The other major international bank, the International Monetary Fund (IMF) provides loans to countries that come with policy conditions, called Structural Adjustment Programs (SAPs), that require austerity and privatization of social services and resources. These SAPs undermine the government and economy, increase poverty and suffering and thus, lead to social unrest. Despite this, recent reports indicate the IMF is increasing the number of structural conditions and using its power to dominate highly sensitive, political policy areas (for example the recent $18 billion loan to Ukraine which will require cutting retirement benefits in half from roughly $100 to $50 per month).

All of these policies have had a dramatic and harmful impact. As economist Joseph Stiglitz testified recently “America has achieved the distinction of becoming the country with the highest level of income inequality among the advanced countries.” Strike Debt notes “the United States ranks 138th out of 141 countries in terms of wealth equality.” Stiglitz told the Senate Banking Committee there is “a vicious circle: our high inequality is one of the major contributing factors to our weak economy and our low growth.”

But even more stark than income inequality is wealth inequality, which is worsening. Due to debt, 47% of Americans have zero wealth while the “richest 0.1 percent of Americans have dramatically expanded their share of the country’s overall wealth in the last three decades.” Wealth is important because it represents ownership and control, “a higher concentration of wealth naturally implies that fewer individuals control the decisions made by firms in the economy,” according to Princeton’s Atif Mian and University of Chicago’s Amir Sufi.

The Revolt Against American Plutocracy

People are revolting against plutocracy in a variety of ways in the US and around the world. There are movements to eliminate the corrupting influence of money on politics, against austerity, for living wages, to end extreme energy extraction, to end insurance-based healthcare, to stop privatization of schools, to transform the Federal Reserve, to erase debt and many other issues.

The Debt Resister’s Manual points out that “Movements for debt resistance have a very long history. From ancient times, people have challenged the harsh penalties visited on defaulters, including branding, torture, imprisonment, and even slavery. In ancient Athens, the first known democratic constitution came about largely as a result of an outright rebellion of debtors…” And, they report we see protests growing: “Around the world, popular movements are beginning to rattle the chains, seeing debt for what it is—a form of domination and exploitation—and collectively rising up against it.”

People recognize that much of debt is illegitimate. The corrupt government allows usury interest rates and unfair loan practices. Cuts to social services and education force people into debt. The solutions are obvious, though we are told they are too radical. The Debt Resister’s Manual points out that “there was a kind of jubilee in Iceland after the 2008 economic crisis: instead of bailing out their banks, Iceland canceled a percentage of mortgage debt.”

In addition to resistance, people are building alternatives to corrupt big finance capitalism. The new economy that people are striving to create is defined by our values. Strike Debt summarizes:

“Our values will serve as our North Star: putting people and nature before profits; meeting need and not greed; empowering all and not just a few; becoming less alienated from our work and from each other; and creating more leisure time to spend with our loved ones.”

Jerome Roos of ROAR Magazine outlines the possibilities of a new finance system that was described at the Moneylab Conference in Amsterdam last week. He challenges his readers to think about money differently and to recognize that though our current monetary system is based on debt, it doesn’t have to be that way.

The Freelancer’s Union calls the growing new economy the “Quiet Revolution” and they invite people to map what their community is doing – cooperatives, collectives, local food networks. Another organization, the Democracy Collaborative, publishes a list of projects that we can all learn from on Community-Wealth.org. Next month we are holding a conference in Baltimore to work on creating a new local economy based on economic democracy that includes worker-owned businesses, new ways of structuring finance, affordable housing, clean energy and food security. One new form of urban agriculture that is taking off is the vertical farm.

People are discussing essential ideas that elected officials who represent the plutocrats will not even acknowledge. If we create new models, then they will eventually become the policy of the US and much of the world.  For example, when you recognize that wealth comes from the commons – built on infrastructure like roadways and the Internet that we all pay for, or the intellectual and technical knowledge that universities and government research grants have paid for – and that major growth in the economy has always had major government involvement from the railroads to the Internet, then it becomes evident we must all share the wealth that this commons has created.

And because robotics and other technology mean there will be fewer jobs, indeed in the future we will not have enough jobs, we have to figure out new ways to provide income so that all can participate in the economy. One solution that is being discussed by those outside the major political parties is a guaranteed minimum income. This is one example of why we need to be independent of the two parties and not be limited by the agenda of either ‘rule of money’ based party.

Time to Energize the Movement to End the Rule of Money

The ‘arc of justice’ does not bend toward plutocracy. People powered movements that are building today will end plutocratic rule.

Last week we reported on two campaigns that were announced for this spring, the Worldwide Wave of Action and the Global Climate Convergence. After we published that article, two more campaigns were announced. Reset the Net, seeks to restore privacy to the Internet by our own actions rather than waiting for the government. People are taking action now to push Internet providers to provide privacy. Many would go further and make the Internet a public utility whose mission is to serve the public.  Second, is a campaign against the abuses of international finance, particularly by the World Bank, Our Land Our Business. The IMF and World Bank have their meeting from October 10 to 12 in Washington, DC and actions are being urged around the world during that time period.

Rather than being despondent about the Supreme Court decision in McCutcheon, we should use it to energize and focus our efforts. Every issue is impacted by the corruption of the ‘rule of money.’ We know we cannot achieve the transformation that is needed so long as this corruption continues. A focal point of the ‘movement of movements’ must be to end the influence of money in US elections so it can be legitimately called a democracy.

The legitimacy of government is at the root of the founding of our nation. Our favorite ‘founder,’ Thomas Paine, put forward ideas that were ignored by those who wrote the Constitution, e.g. abolition of slavery, voting rights for all including woman and African Americans, healthcare for all and equitable sharing of the wealth of the nation. Now, 238 years later we are still fighting for some of his beliefs. In his article “We are Radicals at Heart: A New History Gets America Wrong,” Harvey J. Kaye writes that Paine told us “that history is not over, that prevailing inequalities and oppressions are not inevitable, and that we need to remember who we are and recognize that ‘We have it in our power to begin the world over again.’”

This will not be the first time in history that a corrupt court decision has inspired action. Indeed, the recognition that the British Crown was illegitimate came in part out of a court decision upholding the Great Writs – which allowed British authorities to search colonists at whim.

In 1761 James Otis argued against the Great Writs on behalf of Massachusetts colonists subjected to searches by British troops and Customs officials. He argued in a five hour oration before a packed State House, a speech that was printed in full in 1773 that searches without any oath for their basis allows the Crown’s authorities to “enter our houses when they please.” When the Crown court ruled against Otis in the Great Writs case, a young court reporter, John Adams, recorded the event writing “Then and there the child independence was born.”


Let us turn the corrupt decisions, Citizens United and McCutcheon, into our rallying cry for a government independent of the corrupting influence of money; and to create the kind of economic democracy and participatory government to which the ‘arc of justice’ points us.


________________________________________

WE SAW A SHIFT IN HOW OUR POLITICIANS SPOKE TO THE AMERICAN PEOPLE ABOUT THE SAME TIME THE DECISION WAS MADE TO CREATE INCOME INEQUITY THROUGH GLOBALIZATION.  THE IDEA OF 'WE KNOW BEST' AND 'TELL THE MASSES WHAT THEY WANT TO HEAR, THEN DO WHAT YOU WANT' STARTS IN LEO STRAUSS' WRITINGS......the NEO-CONSERVATIVES embraced Strauss and IT CONTINUES WITH
NEO-LIBERALS TODAY. 

TELL THE PEOPLE WHAT THEY WANT TO HEAR AND THEN DO WHAT YOU WANT.  In Maryland, Brown, Gansler, and Mizeur all campaigned as if progressive while all committing to a Wall Street and global corporate economy....knowing all progressive issues would not fly with neo-liberalism.


Leo Strauss' Philosophy of Deception

Bush/Cheney lived by Leo Strauss and so do the neo-liberals Clinton and now Obama.
Leo Strauss spent most of his career as a professor of political science at the University of Chicago Barack Obama's last job was as a lecturer at University of Chicago.


THIS PHILOSOPHY PREDATES THE FRENCH REVOLUTION AND THE AGE OF ENLIGHTENMENT.........WHICH IS WHY I CALL THEM MEDIEVAL!

Obama delared these times as the age of 'exceptionalism' used below by Leo Strauss..  The people thinking themselves most smart rule.  We all know that winning by lying, cheating, and stealing is the sign of thuggery.....not a sign of intelligence.  Note that the Tea Party sees this same thing in their neo-cons and want it gone.  It is crony capitalism and government.

NO RULE OF LAW OR EQUAL PROTECTION SAYS LEO STRAUSS!

Leo Strauss ---- Neoconservative favorite philosopher 

The novelty or uniqueness of the alleged elitism can, of course, be much overstated, for one strain of American political science, going all the way back to the Federalists, has always emphasized the significant role of elites within democratic politics, as have more current writers like Joseph Schumpeter and Robert Dahl. But in the media presentations, Strauss's elitism is different and appears more sinister than other versions of democratic elitism. His elitism is presented as more intellectual: the relevant division between the elite few and the many is the line between philosophers and nonphilosophers. What distinguishes Strauss's elite is not wealth, status, power, or military or economic power, but recognition of "the truth." This truth is hard to face: there is no God, and there is no divine or natural support for justice. "Virtue . . . is unattainable" by most people. "The . . . hidden truth is that expediency works." Or, alternatively: "Strauss asserted 'the natural right of the stronger' to prevail."

The truths discovered by the philosophic elite "are not fit for public consumption." Philosophy is dangerous and must conceal its chief findings. Philosophers must cultivate a mode of esoteric communication, that is, a mode of concealing the hard truth from the masses. "Only philosophers can handle the truth." The elite must, in a word, lie to the masses; the elite must manipulate them—arguably for their own good. The elite employ "noble lies," lies purporting to affirm God, justice, the good. "The Philosophers need to tell noble lies not only to the people at large, but also to powerful politicians." These lies are necessary "in order to keep the ignorant masses in line." Thus Strauss counseled a manipulative approach to political leadership. In sum, the media writers conclude, Strauss held that "Machiavelli was right." When read with "a skeptical mind, the way he himself read the great philosophers . . . Strauss . . . emerges a disguised Machiavelli, a cynical teacher who encouraged his followers to believe that their intellectual superiority entitles them to rule over the bulk of humanity by means of duplicity."

___________________________________

When a government suspends Rule of Law as it has the past decade or two-----it suspends Statute of Limitation.  The American people are guaranteed the right to due process, so all of the tens of trillions of dollars in corporate fraud that decimmated the public's wealth with no justice can and will come back to those victimized.

The other piece of Due Process deals with 'vague laws'.  The American people are constantly told we have no way to prosecute because the definition of 'fraud' is too vague.  Maryland has one of the worst of fraud laws and this takes away our rights as citizens to Due Process in crimes against us.  NONE OF THIS IS LEGAL.  We need to continue to demand compensation for the loss of our retirement and savings from these massive frauds.


Due Process Clause

From Wikipedia

The Fifth and Fourteenth Amendments to the United States Constitution contain a due process clause. Due process deals with the administration of justice and thus the due process clause acts as a safeguard from arbitrary denial of life, liberty, or property by the Government outside the sanction of law.[1] The Supreme Court of the United States interprets the clauses however more broadly because these clauses provide four protections: procedural due process (in civil and criminal proceedings), substantive due process, a prohibition against vague laws, and as the vehicle for the incorporation of the Bill of Rights.

A fundamental tenet of Constitutional due process is that laws enacted by a legislative body must be applied, and enforced, in an equal and non-discriminatory manner.

0 Comments

April 29th, 2014

4/29/2014

0 Comments

 
The SEC allowed US banks to leave GAAP accounting principles for an International Accounting Principles that place the protections on shareholder wealth and not the public.  As you see below, so many accounting frauds are happening now.  Accounting is a dry subject but it is behind all of the loss of control in fraud and corruption.  Please take time to glance through these postings, especially the last one!

DO YOU HEAR YOUR POL SHOUTING THAT OBAMA AND NEO-LIBERALS ARE DISMANTLING ACCOUNTING REGULATIONS JUST AS CLINTON DEMANTLED BANK REGULATIONS MAKING IT HARDER FOR THE PUBLIC TO CONVICT IN ACCOUNTING FRAUD?


I want to take a few days to look at the state of US banks several years after the massive frauds were discovered and brought down the US economy.  Bank of America and Citibank were to too largest pushers and processors of subprime mortgage loans and Citibank's CEO Robert Rubin was of course Bill Clinton's finance chief when all of the bank deregulation and breaking of Glass Steagall occurred.  It is reasonable to assume the overall plan to blow up the US real estate market was in full swing as Clinton was creating the structures for what is now global Wall Street.  The reason Citi and BOA are of importance is that they are the ZOMBIE banks....the ones that Rule of Law would have required be nationalized and taken into bankruptcy so that all assets could be sent back to creditors and victims of mortgage fraud. 

THIS IS WHAT RULE OF LAW REQUIRED BECAUSE OF THE UNQUESTIONABLE PROOF OF MASSIVE AND SYSTEMIC FRAUD.

That of course did not happen and we have yet to get justice with these two banks.  Mind you, Wells Fargo and the other big banks are equally guilty but CITI and BOA need to go.  Most economists agree that nationalizing these banks to recover fraud would not have had much more of an effect on the economy than the current stagnant and crippled economy we have today.  The second piece to this of which I've spoken earlier is that the movement of US private and public pensions from the then safety of the bond market to the stock market in 2007-2008 was done to buoy these collapsing banks.  Many of US pension money is still attached to the worst of criminal banks.  Rather than bring these banks into bankruptcy and transfer lost pension wealth to worker's, the pensioners are being told the gains of the BULL market these few years has made up the losses----only, it hasn't.

Below you see that yet another illegal game was played at the time of the crash simply to make these banks appear viable.  The idea was pretend they are OK and they can go overseas to amass new profits.  The idea was to allow the FED policy of QE take trillions of dollars of those bad loans off bank accounts to make them look healthier----the FED with $4 trillion in debt has been heard to say they will pass all that debt from fraudulent loans over to the US Treasury-----AKA, THE TAXPAYER.  The FED has reached its limit of debt that can be sustained, the massive transfer of bundled foreclosures has mostly finished (round two of the massive subprime mortgage fraud) so talk moves to reversing the policies that allowed these banks to hide debt and look healthy.


GOODBYE PENSION GAINS FROM THE LAST SEVERAL YEARS----IT WAS ALL FRAUD AND MISREPRESENTATION YET AGAIN.  JUST AS THE WALL STREET RATING AGENCIES GOT OFF SCOTT FREE FOR FRAUDULENTLY GIVING 'AAA' RATINGS TO THESE SUBPRIME LOANS---NOW BANK OF AMERICA AND CITIBANK WILL BE ALLOWED TO REVERSE THE ACCOUNTING TRICKS THAT FALSIFIED THEIR VALUE FOR YEARS AFTER THE CRASH-----ALL INVOLVING FRAUD AND CORRUPTION.


'And how did it err? It says that it properly raised its reported capital levels to offset the reported loss caused by unrealized changes in the valuation of the securities it had issued. But it also raised the capital levels to offset losses that had been realized, something it should not have done. The realized changes came when securities issued by the bank were paid at maturity or repurchased at an earlier date.

That mistake improperly increased its reported capital.

Bank of America did not explain how that the error came to happen or how it was repeated year after year. Nor did it explain why the error was discovered when the first-quarter financial statements for this year were being prepared'.


What all the US big banks did-----BOA and CITI especially ----was to leave the GAAP accounting principles method of recording debt and used an accounting model that allowed it to hide all the subprime mortgage loan and other debt making it look healthier than it was.  You then watch TV commercies toting BOA and CITI as strong and profitable banks as they expanded overseas when in fact they had enormous debt.  Again, these banks were allowed to provide false information to investors to attain business just as happened with the subprime loans.

ALL OF THIS IS FRAUD AND ALL OF THIS PLACES THE PEOPLE'S WEALTH AND INVESTMENTS IN CONSTANT RISK.




Generally Accepted Accounting Principles (United States)

From Wikipedia

Accounting standards have historically been set by the American Institute of Certified Public Accountants (AICPA) subject to Securities and Exchange Commission regulations.[4] The AICPA first created the Committee on Accounting Procedure in 1939, and replaced that with the Accounting Principles Board in 1959. In 1973, the Accounting Principles Board was replaced by the Financial Accounting Standards Board (FASB) under the supervision of the Financial Accounting Foundation with the Financial Accounting Standards Advisory Council serving to advise and provide input on the accounting standards.[5] Other organizations involved in determining United States accounting standards include the Governmental Accounting Standards Board (GASB), formed in 1984, and the Public Company Accounting Oversight Board (PCAOB).

Circa 2008, the FASB issued the FASB Accounting Standards Codification, which reorganized the thousands of US GAAP pronouncements into roughly 90 accounting topics[6]

In 2008, the Securities and Exchange Commission issued a preliminary "roadmap" that may lead the United States to abandon Generally Accepted Accounting Principles in the future (to be determined in 2011), and to join more than 100 countries around the world instead in using the London-based International Financial Reporting Standards.[7] As of 2010, the convergence project was underway with the FASB meeting routinely with the IASB.[8] The SEC expressed their aim to fully adopt International Financial Reporting Standards in the U.S. by 2014.[9] With the convergence of the U.S. GAAP and the international IFRS accounting systems, as the highest authority over International Financial Reporting Standards, the International Accounting Standards Board is becoming more important in the United States.

______________________________________________

Just to show how widespread these accounting frauds were----look below at the systemic nature of these frauds.  Remember, Enron and its collapse resulted by massive frauds by its accounting firm and back then----Rule of Law held Enron and the accounting firm accountable.  That hasn't happened since.

DEREGULATION HAS MADE A WILD WEST OF ALL CORPORATE BEHAVIOR AND THIS HAS OUR ECONOMY AT THIRD WORLD LEVELS OF CORRUPTION.


So, Wall Street banks were allowed to hide massive amounts of debt with accounting tricks and when the FED did the 'STRESS TESTS'  that famously allowed banks to exit government control due to BAILOUT in 2009-2010....it was all a lie.


16 Financial Shenanigans That Got Companies Into Tons Of Trouble

Eric Platt and Lucas Kawa Nov. 20, 2012,

Accounting improprieties, disclosure failures, and outright misrepresentations have gotten companies into trouble since the beginning of business. These are the accusations that Hewlett-Packard has made against software company Autonomy.

As the HP story continues to unfold, we are reminded of some past instances when confusing financial and accounting principles got some big companies on the front page for all of the wrong reasons.

In the recent past, companies have been busted for employing questionable accounting tricks, financial engineering, complicated risk metrics, and outright fraud in an effort to hide losses are inflate profits.


Special Purpose Vehicle (SPV)
Definition: An SPV is a legal entity typically used to serve as a counterparty with the main corporation. In finance it often used for securitization, but it has also been used to hide risky corporate behavior/transactions and conceal corporate relationships.

Case: The most notorious case of special purpose entities being used to distort a company's obligations is Enron, which filed for bankruptcy in 2001. Enron used SPVs to lower the appearance of its debt load and overstate earnings and equity. 

Mark to Market (MTM) AP


Definition: MTM is an accounting measure that values accounts to the current environment. Firms use mark-to-market accounting when the value of an asset or liability moves over time.


Case: Bear Stearns, the now defunct investment bank purchased by JP Morgan, reported in June and July of 2007 that its two main hedge funds (the Bear Stearns High-Grade Structured Credit Fund and High-Grade Structured Credit Enhanced Leveraged Fund) had to mark down nearly all their value, sparking concerns of contagion in the financial crisis. Banks across Wall Street suffered huge paper losses thanks to MTM.


Repo 105
AP Images/ Kristy Wigglesworth

Definition: Repo 105 is an accounting trick that defines a short-term loan as a sale. A company can then use that cash to lower liabilities before paying back the loan with interest. Generally in the repo market, companies will not exchange collateral because the time period is very short.

Case: Lehman Brothers masked extensive liabilities right before quarter-end by using this Repo 105 tactic. The company ultimately filed for bankruptcy and was sold off to different institutions (with most U.S. operations going to Barclays). 

Expense Recognition
ABetterBagofGroceries.com

Definition: Under generally accepted accounting principals, expenses should be recognized when incurred — not necessarily when the payment is made. This is known as the expense recognition principle.

Case: Diamond Foods allegedly shifted payments to walnut growers to later periods to offset costs during its fiscal 2011 year, inflating earnings as it entered negotiations with Proctor & Gamble. The stock transaction depended heavily on Diamond's share price.

Revenue Recognition
haccamopooly/flickr

Definition:  Under  generally accepted accounting principals, revenue should be recognized when the company delivers or performs the task it will be paid for — not necessarily when the payment is received. This is known as the revenue recognition principle. However, exceptions do apply.

Case: Xerox settled with the SEC in 2002 for accelerating revenue recognition of equipment sales by more than $3 billion, which increased pre-tax earnings by $1.5 billion. The company, which was supposed to record revenues both upfront and over a period of time (for servicing equipment over its usable life), moved those service revenues to the time of purchase.

Misrepresented Cash Flows
Definition: The statement of cash flows is the third major financial statement, which tallies cash generated and spent by a company during a fiscal period. This portion of the financial statement of an earnings release is one of the best ways to gauge a company's solvency and actual performance.


Case: WorldCom used its cash flows statement to hide expenses by marking operating costs, which should have been booked as expenses, as capital investments. Under that plan, WorldCom inflated cash flow by $3.8 billion and posted quarters of positive performance when it really lost money.

Channel Stuffing
Krispy Kreme

Definition: Channel stuffing is a practice where a distributor ships retailers excess goods that were not ordered to increase the accounts receivable portion of their balance sheet. Generally, the retailers then ship back the goods and the company must mark them as returns.

Case: Krispy Kreme allegedly sent franchises double their usual shipments at the end of financial quarters so the company could meet Wall Street forecasts. In 2005 the company said it would restate past financial statements.

Hiding Losses in Acquisitions
HK-DMZ on flickr

Definition: Companies can pay high prices for financial advice during a merger, and some have used that guise as a method to cover prior losses. 

Case: Japanese technology giant Olympus announced it had been hiding losses on securities investments for years by using the cover of acquisitions. When new CEO Michael Woodford called attention to strange payments made in 2008, he was subsequently fired.

Round Trip Trading alan5o5 via Flickr

Definition: This is practice where a firm trades an asset and then buys it back many times to inflate its transaction volume. However, the market-manipulation has no impact on profit (although it will bolster top line results).

Case: Dynegy was forced to pay the SEC $3 million after it was found conducting round trip trades with special purpose entities. According to the SEC, Dynegy's "overstatement of its energy-trading activity resulting from 'round-trip' or 'wash' trades — simultaneous, pre-arranged buy-sell trades of energy with the same counter-party, at the same price and volume, and over the same term, resulting in neither profit nor loss to either transacting party."

Smoothing Earnings
Definition: This is a practice where a firm smooths net income by using GAAP techniques to level off fluctuations between periods.


Case: Freddie Mac understated earnings by more than $5 billion over three years to keep earnings consistent and investors happy. According to The New York Times, Freddie Mac lost $111 million during a period it announced net income of nearly $1 billion. Freddie Mac only reported half of what it reported it earned during the third quarter of the year, stating that it earned about $1 billion rather than $2 billion.


Churning
Definition: A practice by brokerage houses where they excessively trade securities to generate commission — even when the trades do not benefit the account holder. Similarly, the practice has been conducted by insurance companies by moving clients from one policy to another.

Case: MetLife, just one of a number of insurance companies found guilty of the practice, settled with state regulators and set aside billions for claims that it moved clients from one policy to another, to generate high premiums.

Bartering
Boonsri Dickinson, Business Insider

Definition: A transaction where two companies (or people) agree to trade goods or services with each other without the use of currency. 

Case: AOL was investigated by the SEC and Justice Department for inflating revenue by using barter trades for online advertising and recognizing the trade as a sale in the period leading up to the merger with Time Warner.

Tax Evasion Philly News

Definition: Pretty simple: an illegal practice where a person or company does not pay the correct tax liabilities owed to the government.

Case: Crazy Eddie, a discount electronics retailer, evaded taxes for years before going public by "skimming and under-reporting income." This was just one of the practices the company used to bolster results. 

Back Dating Employee Stock Options Lara604 / Flickr

Definition: The process where a company offers options to an employee at a date before the actual date the option was made. Companies have done this so they can set better exercise prices to the employee (generally pushing the option into the money).

Case: Apple came under scrutiny for back dating options to employees and forced then-CEO Steve Jobs and other Apple executives to pay $14 million, plus attorney fees. 

Goodwill Impairments
Howard Lake

Definition: Although not illegal, companies have come under pressure from investors for overstating goodwill — which bolsters the balance sheet. Goodwill represents a company's intangible assets (its brand, customer relations, etc.) and often arises during a merger or acquisition.

Case: Green Mountain came under fire for its accounting of goodwill during its acquisition of Van Houtte and how its jump in assets was mainly attributable to that line item on the balance sheet. 

Value at Risk (VAR)
Chris McGrath/Getty Images

A sign on the outside of a Chase bank branch in New York City.

Definition: A tool used by financial institutions that estimates probable losses based on historic trends, prices and volatility. Firms generally report VAR data at quarter-end, with confidence intervals, and for periods stretching from one day to two weeks.

Case: JP Morgan is under intense scrutiny after reporting a $2 billion loss after publishing a VAR of just $76 million a quarter earlier for its entire credit portfolio. At that pace, the entire JP Morgan unit could have lost as much as $76 million in value in any given day (to a 95 percent confidence interval).

_____________________________________________

Remember, these pensions were deliberately thrown into the stock market as it crashed just to buoy these big banks.  This is fraud and public malfeasance on the part of public pensions.  What will double-down on these losses if the fact that all the gains from the stock market these few years are masked by hidden debt----no real gains.

Pension fund managers were part of sending these pensions into a crashing market and as of yet very little justice has come from all these massive pension losses.  Below you see movement by pension funds to recover losses but as of yet-----the same small settlements bring nearly nothing back.  When Bank of America is forced to stop using the accounting methods hiding its debt-----stock values will fall once again.
  This article highlights the ongoing fraud as these foreclosure proceedings were handled as badly.

KEEP IN MIND THIS IS NOW HAPPENING IN THE OBAMA ADMINISTRATION AND A DEMOCRATIC MAJORITY IN THE SENATE AS ARE ALL POLITICIANS ARE SILENT.  CAN YOU IMAGINE IF ALL OF CONGRESS SHOUTED LOUDLY TO GIVE CITIZENS JUSTICE ----- THAT IT WOULD HAPPEN.

This is how we know we have corporate pols running as democrats-----NEO-LIBERALS.

Biggest US Pension Funds Get Into Fraudclosure Fray, Demand Banks "Immediately Examine Foreclosure Practices"

Submitted by Tyler Durden on 01/09/2011 20:13 -0400


  More bad news for the BofA/Wells syndicate. After on Friday two of the biggest mortgage lenders in the world were hit with bad news out of the Massachusetts supreme court, today it is seven of the nation's major pension funds, between them representing nearly half a trillion in capital, which are demanding that "the boards of directors of Bank of America, Citigroup, JP Morgan Chase, and Wells Fargo immediately undertake independent examinations of the banks’ mortgage and foreclosure practices." The coalition of pension funds called for the banks’ Audit Committees to launch independent examinations of their loan modification, foreclosure, and securitization policies and procedures. “This will help to prevent future compliance failures and restore the confidence of shareholders, regulators, legislators and mortgage markets participants,” the coalition advised in its letter. The coalition members’ insistence on immediate action reflects the urgency of their concerns over mishandled mortgages. But Jim Cramer on Friday said there was no urgency, and no reason to be concerned, and that this is nothing but a buying opportunity for the lemmings which jut got one step closer to the cliff.
_____________________________________


Let's be clear----there were trillions of dollars in subprime mortgage fraud.  The number of homes in America involved was massive.  The reason this fraud was allowed to continue and goes without justice is the goal of this entire scheme was to remove the American people from homeownership----

THE EQUITY WE THE PEOPLE GAINED OVER DECADES OF SAVING AND INVESTMENT.

    I want people who are still losing their homes to foreclosure....and Maryland is ground zero for this.....that damages to the US economy from this massive fraud need to extend to families facing long term unemployment and are now losing their homes.


Remember, all US big banks are still responsible for massive fraud but BOA and CITIBANK were the ringleaders.

Bank of America: Too Crooked to Fail The bank has defrauded everyone from investors and insurers to homeowners and the unemployed. So why does the government keep bailing it out?


By Matt Taibbi March 14, 2012 10:55 AM ET

Rolling Stone

At least Bank of America got its name right. The ultimate Too Big to Fail bank really is America, a hypergluttonous ward of the state whose limitless fraud and criminal conspiracies we'll all be paying for until the end of time. Did you hear about the plot to rig global interest rates? The $137 million fine for bilking needy schools and cities? The ingenious plan to suck multiple fees out of the unemployment checks of jobless workers? Take your eyes off them for 10 seconds and guaranteed, they'll be into some shit again: This bank is like the world's worst-behaved teenager, taking your car and running over kittens and fire hydrants on the way to Vegas for the weekend, maxing out your credit cards in the three days you spend at your aunt's funeral. They're out of control, yet they'll never do time or go out of business, because the government remains creepily committed to their survival, like overindulgent parents who refuse to believe their 40-year-old live-at-home son could possibly be responsible for those dead hookers in the backyard.

It's been four years since the government, in the name of preventing a depression, saved this megabank from ruin by pumping $45 billion of taxpayer money into its arm. Since then, the Obama administration has looked the other way as the bank committed an astonishing variety of crimes – some elaborate and brilliant in their conception, some so crude that they'd be beneath your average street thug. Bank of America has systematically ripped off almost everyone with whom it has a significant business relationship, cheating investors, insurers, depositors, homeowners, shareholders, pensioners and taxpayers. It brought tens of thousands of Americans to foreclosure court using bogus, "robo-signed" evidence – a type of mass perjury that it helped pioneer. It hawked worthless mortgages to dozens of unions and state pension funds, draining them of hundreds of millions in value. And when it wasn't ripping off workers and pensioners, it was helping to push insurance giants like AMBAC into bankruptcy by fraudulently inducing them to spend hundreds of millions insuring those same worthless mortgages.

But despite being the very definition of an unaccountable corporate villain, Bank of America is now bigger and more dangerous than ever. It controls more than 12 percent of America's bank deposits (skirting a federal law designed to prohibit any firm from controlling more than 10 percent), as well as 17 percent of all American home mortgages. By looking the other way and rewarding the bank's bad behavior with a massive government bailout, we actually allowed a huge financial company to not just grow so big that its collapse would imperil the whole economy, but to get away with any and all crimes it might commit. Too Big to Fail is one thing; it's also far too corrupt to survive.

All the government bailouts succeeded in doing was to make the bank even more prone to catastrophic failure – and now that catastrophe might finally be at hand. Bank of America's share price has plunged into the single digits, and the bank faces battles in courtrooms all over America to avoid paying back the hundreds of billions it stole from everyone in sight. Its credit rating, already downgraded to a few rungs above junk status, could plummet with the next bad analyst report, causing a frenzied rush to the exits by creditors, investors and stockholders – an institutional run on the bank.

They're in deep trouble, but they won't die, because our current president, like the last one, apparently believes it's better to project a false image of financial soundness than to allow one of our oligarchic banks to collapse under the weight of its own corruption. Last year, the Federal Reserve allowed Bank of America to move a huge portfolio of dangerous bets into a side of the company that happens to be FDIC-insured, putting all of us on the hook for as much as $55 trillion in irresponsible gambles. Then, in February, the Justice Department's so-called foreclosure settlement, which will supposedly provide $26 billion in relief for ripped-off homeowners, actually rewarded the bank with a legal waiver that will allow it to escape untold billions in lawsuits. And this month the Fed will release the results of its annual stress test, in which the bank will once again be permitted to perpetuate its fiction of solvency by grossly overrating the mountains of toxic loans on its books. At this point, the rescue effort is so sweeping and elaborate that it goes far beyond simply gouging the tax dollars of millions of struggling families, many of whom have already been ripped off by the bank – it's making the government, and by extension all of us, full-blown accomplices to the fraud.



______________________________________

Here you see while Bank of America was known to be in debt of a trillion or more in US fraud....it took its bailout money and expanded overseas where it invests in more high-risk and leverage as much as before the crash.  As this article shows, the Chinese are creating the environment that will hasten a collapse in our US economy this year.


Bank of America advises China default contracts to hedge debt storm Chinese bond yields have already risen to the highest in a decade yet markets remain “complacent” about the implications Bank of America's Bin Yao says markets have underestimated the risk of a monetary squeeze

 Photo: EPA By Ambrose Evans-Pritchard

2:15PM GMT 13 Dec 2013



Bank of America has advised clients to take out default insurance against Chinese debt, warning that monetary tightening by China’s central bank risks setting off a bout of serious credit stress in 2014.

Bin Yao, the bank’s credit strategist in Asia, said Chinese bond yields have already risen to the highest in a decade as the authorities seek to rein in rampant growth of the M2 money supply and excess credit, yet markets remain “complacent” about the implications.

He recommends buying credit default swaps (CDS) on five-year Chinese debt as the easiest way to “hedge the China tail risk”. These contracts spiked to 266 after the Lehman crisis and again to 206 during the ‘hard-landing scare’ of late 2011. They have since settled down to stable levels, trading this week near 66.

Bin Yao said the markets have underestimated the risk of a monetary squeeze. The central bank has already raised interest rates by three quarters of a point over the last year. Rising yields are pushing the shadow banking system closer to the brink. “We find trust loans especially troubling,” he said.

Short-term debt issuance by trust companies has jumped to $320bn from almost zero two years ago. A new study by the China Academy of Financial Research warned that the trusts face a redemption shock after promising returns of 10pc to 15pc that may be impossible to deliver.



________________________________________

The American accounting system GAAP is just too burdensome with all of the defined rules that allowed accounting fraud to be easily investigated and prosecuted.  That is why we need to go with this International Accounting Standard.  In order to successfully break from any ability of the public to prosecute fraud as happened with Enron and Aurthur Anderson Accounting, the ability of Americans to file lawsuits for accounting irregularities must be curtailed.


So, they are doing to the accounting sector what was done with the financial deregulation by adopting this International system with much weaker and broadly defined rules.

MIND YOU----THIS IS OBAMA AND A MAJORITY CONTROLLED CONGRESS ALLOWING THIS.  THE SECURITY AND EXCHANGE COMMISSION IS ACTING WITHOUT ANY THOUGHT OF PUBLIC INTEREST.  THAT IS A NEO-LIBERAL FOR YOU!

DO YOU HEAR YOUR POLS SHOUTING AGAINST THIS????


The Dark Side of Global Accounting Standards

Expect loose standard-setting in the oil and gas industries and a ton of litigation if convergence hurtles down its current track, critics say.

  • David M. Katz    CFO
  If the Securities and Exchange Commission on Thursday votes as expected and allows non-U.S. issuers here to report their financials in line with International Financial Reporting Standards without reconciling them with Generally Accepted Accounting Principles, the United States will have crossed a point of no return in the movement toward a single set of global accounting standards, some experts feel.

But that doesn’t mean that many key players won’t cross that line without a fair amount of kicking and screaming.

Speaking at a roundtable discussion on global accounting standards at New York University’s Stern School of Business on Monday, Charles Niemeier, a member and former acting chair of the Public Company Accounting Oversight Board, said that he was “a bit troubled by the speed” of the SEC’s march toward the convergence of U.S. and international accounting standards.
“If we eliminate reconciliation, what have we done? I have some fear that we’re crossing the Rubicon — that we’ve lost leverage in order to get closer [to global uniformity].”

Leverage by U.S. regulators and standard-setters to push for rigor in converged standards could be lost, as well as the clout to hold individual companies to international rules, Niemeier told CFO.com. At the roundtable, the audit firm overseer disputed a basic premise of the proponents of convergence: that if the international standards are adopted in the United States, it would produce a clearer system based on solid principles rather than rule-based minutiae. “Some say Europe is principles-based. I beg to differ. It’s younger,” he said, suggesting that much of the detail in GAAP is justified by long-standing experience. Some speakers said that IFRS lacks the detail provided under GAAP to provide adequate financial reporting in a number of specific industries in the United States, particularly oil and gas and insurance.

By contrast, critics of U.S. GAAP’s complexity, including the SEC’s own advisory committee, consider industry specific guidance to be one of the U.S. accounting system’s major flaws.

At the same time, many roundtable participants worried that the U.S. legal system — also blamed for the complexity of U.S. GAAP — might trip up global accounting standards too. Under the U.S. legal system, they said, auditors feel they must adhere closely to preset rules in order to avoid being sued. In order for IFRS to take hold in the United States, there needs to be “a change in the way we look at litigation in America, where it’s a mark of honor to sue someone,” said Stern accounting professor Seymour Jones at the roundtable.


Even a decision by the SEC to recognize the International Accounting Standards Board (which sets IFRS) as a bona fide standards setter could get tested in a U.S. court, according to Stanley Siegel, an NYU law professor. “Nothing is going to stop an American litigant who has bought shares in an American company or a Brazilian company” issuing stock in the United States from questioning the validity of the SEC’s choice of IASB under Section 108 of the Sarbanes-Oxley Act, he said. (Sarbox 108 enables the SEC to designate a standard setting body’s accounting principles as “generally accepted.”).

Indeed, many seem to feel that the SEC is moving ahead too swiftly and without adequate planning for what truly looms as a major step in the direction of converged international accounting standards. Even Financial Accounting Standards Board chairman Robert Herz, perhaps convergence’s prime U.S. spear carrier feels that “a national plan” for convergence needs to be in place before target dates are set. “Before you get to a timetable,” the key players need to determine “what are the tasks to be done.” High on the plan’s priority list should be educational and regulatory requirements. Underscoring the point about education, Nieimeier said in an interview that few people at PCAOB understand IFRS.

Nevertheless, convergence seems to be proceeding apace. While the SEC has been promoting the idea of installing a single set of international standards for about 20 years, the notion has gone into high gear in the last year, according to John White, the director of corporation finance at the SEC.

The reconciliation proposal, which White and SEC Chief Accountant Conrad Hewitt will present to the commission on Thursday, would create the unprecedented existence of “two co-existing financial reporting systems in the U.S.,” White said at a Financial Executives International conference in New York earlier this week. In developing the proposal, he said, the commission had three questions to answer:

• Is there a satisfactory convergence process in place?

• Are International Financial Reporting Standards being consistently and faithfully applied?

• Is IASB up to the job of setting global financial accounting strictures?

The commission is apparently satisfied enough with the answers to go ahead with at least the first step. The percentage of public issuers in the United States that will be affected is modest, however. Just 1,100 companies out of the 11,000 entities that report their financials to the SEC are foreign issuers, and only 200 of them use GAAP. Of the remaining 900 foreign companies required to file a GAAP reconcilation report, up to 180 may qualify to take advantage of the proposal if they file their financial reports using the IASB’s version of IFRS.


0 Comments

April 25th, 2014

4/25/2014

0 Comments

 
I OCCASIONALLY MISS A DAY OF BLOGGING WHEN ATTENDING SYMPOSIUMS OR RALLIES....PLEASE COME BACK.  I BLOG ON WEEKDAYS.....

CORPORATE POLS ARE DISMANTLING EVERY AVENUE FOR COMMUNICATIONS FOR WHAT WILL BE 90% OF AMERICANS.  IF YOU DO NOT SHOUT OUT TO SAVE NET NEUTRALITY AND THE POST OFFICE-----ALL COMMUNICATIONS WILL BE CONTROLLED BY CORPORATIONS AND LIMITED TO A FEW PEOPLE.



I attended a rally yesterday of Postal workers fighting to keep the US Post Office public.  The USPS is the only method of communication left that is public and that will always work in the public interest in providing quality service and make communications accessible to all.  Allowing neo-liberals and neo-cons to privatize USPS will open the door to millions of people having no means of communication.

CORPORATE POLITICIANS IN BOTH PARTIES ARE DISMANTLING THE POST OFFICE PIECE BY PIECE IN HANDING ALL REVENUE-GENERATING OPERATIONS TO PRIVATE CORPORATIONS.  THEY HAVE CREATED POLICY THAT DELIBERATELY TAKES REVENUE THAT WOULD MAKE THE USPS A PROFITABLE AGENCY
-----PRE-FUNDING OF PENSIONS DECADES IN ADVANCE----JUST TO STARVE THE POST OFFICE BUDGET.  REMEMBER, THE USPS TAKES NO TAXPAYER MONEY.  IT IS SELF-FUNDING.

Let's look at the goal of neo-liberal/neo-con policy as regards communications.  Think what is needed to take a nation of 300 million people from a first world society to a third world society ------kill education, control communication, and create a surveillance society.  This has been the recipe of totalitarianism for centuries.

How are your cell phone plans going?  Lot's of free phones and each member of the family using them.  Not missing the $15 phone bill with unlimited local calls when we had our public utility.  Wall Street intends to end the compartmentalization of services and go with an everything or nothing plan.   Just as we are forced to pay for 100 cable channels in order to watch a half dozen......they are going to require people to buy unlimited/shared plans that will price many people out of the market. A few hundred a month for phone and internet will keep many families away. There goes the phone for everyone in the family.  What is happening at the same time is a culture of robo-calls hitting our phones.  Collection agencies and marketing firms
are now filling the time we have bought with daily calls sometimes two and three firms each day.  So, the public is now paying to receive more calls it does not want and having smaller amounts of time to use in communicating.  CALL TO STOP THESE HARASSING MESSAGES YOU SAY!  The phone services have allowed these businesses the ability to over-ride MUTING......to over-ride CALL ENDING.....AND phones are being built so people cannot block calls from numbers they do not want.  Imagine if you pay $30 for hundred minutes of time and half of this is taken in robo-calls.      THIS IS WHAT IS HAPPENING NOW TO LOW-INCOME PEOPLE AND IT IS GETTING WORSE.  WHY BUY TIME FOR A PHONE THAT WILL BE LOST TO CORPORATE ROBO-CALLS.  There goes that means of communication.  This is 'de-phoning' the working class but you can bet the middle-class is not far behind in seeing phone bills eating too much of disposable income.  People are being left to count the minutes they can get to talk so forget making calls that require long wait times----you know, customer service.

DE-PHONING.....DE-BANKING.....what is next?

It was announced that the Obama Administration is moving forward with ending net neutrality after making this issue central in his election in 2008.  PROTECTING PEOPLE ACCESS TO WHAT HAS BECOME AS ESSENTIAL AS ELECTRICITY AND FUEL IN LIVING LIFE IN AMERICA.  There's profit to be made say neo-liberals!  So, rather than appoint an FCC head that moved forward with declaring the internet a UTILITY so rates would be controlled as electricity and water is now....everyone paying the same for the same products...Neo-liberals are going to create a tiered system of accessing the internet with corporations taking all of the high speed capability and you and I being able to afford what will be ever slower and limited access to much information on the internet.  Remember, email is considered data and as the charges for data climb as it will with the end of net neutrality......you will be counting the words you send.   Video streaming will become too expensive to afford and as you know, most of the websites we open are now full of video/graphics that will make costs soar.  MOST PEOPLE WILL NO LONGER HAVE ACCESS TO MUCH ON THE INTERNET AND EMAIL WILL BECOME RATIONED. 

THIS IS THE TOTALITY OF OUR COMMUNICATIONS FOLKS.  PHONES AND EMAIL BECOME TOO EXPENSIVE WHAT DO YOU HAVE?  You write a letter.  But wait.......there is no mail service because the USPS was privatized and mail delivery is not a profitable business.  Prices for stamps are high now because of the privatization and loss of revenue ----think what the price will become when  global corporations control the stamp!

What the Post Office privatizers are now doing is eliminating the Post Office as a place and door-to-door delivery and centralizing where you will go every day to pick up mail.  STAPLES has just been awarded the ability to receive letters you want to send, ending the protections of mail traveling in public hands.  FED-X and UPS do a great job you say!

FED-X AND UPS DO NOT WANT THE MAIL BUSINESS BECAUSE IT IS NOT PROFITABLE......LETTER HANDLING WILL END.



WE THE PEOPLE WILL BE LEFT TO SEND SMOKE SIGNALS IF YOU ALLOW CORPORATIONS TO END OUR LAST PUBLIC METHOD OF COMMUNICATIONS.



AT&T Puts an End to Unlimited Data Plans


By Liane CassavoyJune 2, 2010


AT&T has rolled out new mobile data plans for users of its smartphones and tablets. Starting next Monday -- the same day that Apple is widely expected to unveil a new iPhone -- AT&T will no longer offer its $30-per-month unlimited data plan to new users. Instead, customers will have to pick between plans that allow them a certain amount of data access each month.

In a statement announcing the new plans, AT&T says the new options will "make it more affordable for more people to enjoy the benefits of the mobile Internet." The new data plans include three options:

- DataPlus: This $15-per-month plan allows users to access 200MB of data per month. If customers go over the 200MB limit, they will receive another 200MB for an additional $15 per month. AT&T says that 65 percent of its smartphone customers currently use less than 200MB of data per month on average, so this plan should save them money.

- DataPro: This $25-per-month plan allows users to access 2GB of data per month. If you go over that limit, each additional GB of data will cost $10. AT&T says that 98 percent of its smartphone customers user less than 2GB of data a month.

- Tethering: If you choose to use your smartphone as tethered modem, you'll have to spring for the tethering plan in addition to the DataPro plan. Tethering costs an extra $20 per month. AT&T says that tethering for iPhones will be available this summer, when Apple releases the iPhone OS 4 update.

Current AT&T smartphone customers will be able to keep their unlimited data plans, for now, at least. But users of the iPad 3G may see a change in their plan: iPad users who currently subscribe to the $29.99-per-month unlimited plan will be switched to the DataPro plan.

__________________________________________

For those not wanting or needing all the bells and whistles you are being forced out of buying what you need because of predatory marketing and credit collection.  If a family cannot afford internet connection they will not be able to switch to unlimited/shared option plans....they will be de-phoned. 

BETTER THE MASSES NOT COMMUNICATE IN AN AUTOCRATIC SOCIETY!

If 70% of Americans are at the poverty line and the percentage will rise if Trans Pacific Trade Pact TPP is ended....most Americans will not be able to afford ordinary communications.


Even the middle-class needs to be concerned as ending net neutrality will mean prices for what are now ordinary downloads....like movie streaming.....will skyrocket.  These shared plans will rise from $99 to well over a few hundred dollars a month if you are to retain the quality you have now.
  With health care costs rising, just when does that disposable income disappear?  Communications will go before food, health, and shelter!

APSeptember 17, 2012, 3:12 PM

Robocall complaints up despite do-not-call list

(Skip Peterson/AP, file)

(AP) WASHINGTON - So much for silence from telemarketers at the cherished dinner hour, or any other hour of the day.

Complaints to the government are up sharply about unwanted phone solicitations, raising questions about how well the federal "do-not-call" registry is working. The biggest category of complaint: those annoying prerecorded pitches called robocalls that hawk everything from lower credit card interest rates to new windows for your home.

Robert Madison, 43, of Shawnee, Kan., says he gets automated calls almost daily from "Ann, with credit services," offering to lower his interest rates.


"I am completely fed up," Madison said in an interview. "I've repeatedly asked them to take me off their call list." When he challenges their right to call, the solicitors become combative, he said. "There's just nothing that they won't do."

Madison, who works for a software company, says his phone number has been on the do-not-call list for years. Since he hasn't made any progress getting "Ann" to stop calling, Madison has started to file complaints about her to the Federal Trade Commission, which oversees the list.

Amid fanfare from consumer advocates, the federal do-not-call list was put in place nearly a decade ago as a tool to limit telemarketing sales calls to people who didn't want to be bothered. The registry has more than 209 million phone numbers on it. That's a significant chunk of the country, considering that there are about 84 million residential customers with traditional landline phones and plenty more people with cellphone numbers, which can also be placed on the list.

Telemarketers are supposed to check the list at least every 31 days for numbers they can't call. But some are calling anyway, and complaints about phone pitches are climbing even as the number of telemarketers checking the registry has dropped dramatically.

Government figures show monthly robocall complaints have climbed from about 65,000 in October 2010 to more than 212,000 this April. More general complaints from people asking a telemarketer to stop calling them also rose during that period, from about 71,000 to 182,000.

At the same time, fewer telemarketers are checking the FTC list to see which numbers are off limits. In 2007, more than 65,000 telemarketers checked the list. Last year, only about 34,000 did so.


Despite those numbers, the FTC says the registry is doing an effective job fighting unwanted sales calls.

"It's absolutely working," Lois Greisman, associate director of the agency's marketing practices division, said in an interview with The Associated Press. But, she said, "the proliferation of robocalls creates a challenge for us."

Greisman said prerecorded messages weren't used as a major marketing tool in 2003, when the registry began. "In part because of technology and in part because of greater competitiveness in the marketplace, they have become the marketing vehicle of choice for fraudsters," she said.

For people trying to scam people out of their money, it's an attractive option. Robocalls are hard to trace and cheap to make.

With an autodialer, millions of calls can be blasted out in a matter of hours, bombarding people in a struggling economy with promises of debt assistance and cheap loans. Even if a consumer does not have a phone number on the do-not-call list, robocalls are illegal. A 2009 rule specifically banned this type of phone sales pitch unless a consumer has given written permission to a company to call.

Political robocalls and automated calls from charities, or informational robocalls, such as an airline calling about a flight delay, are exempt from the ban. But those exemptions are being abused, too, with consumers complaining of getting calls that begin as a legitimate call, say from a charity or survey, but then eventually switch to an illegal telemarketing sales pitch.

Robocalls can be highly annoying to consumers because they're hard to stop. Fraudsters use caller-ID spoofing so that when a person tries to call back the robocaller, they get a disconnected number or something other than the source of the original call.

The best thing people can do when they get an illegal robocall is to hang up.
Do not press "1'' to speak to a live operator to get off the call list. If you do, the FTC says, it will probably just lead to more robocalls. The caller will know you're there and willing to answer, and may continue to call.

The FTC says people can also contact their phone providers to ask them to block the number. But be sure to ask whether they charge for that. Telemarketers change caller-ID information often, so it might not be worth paying a fee to block a number that will soon change.

The industry says most legitimate telemarketers don't utilize robocalls to generate sales.

"They give a bad name to telemarketers and hurt everybody," says Jerry Cerasale, senior vice president of government affairs at Direct Marketing Association, a trade group.

Cerasale says the do-not-call list has resulted in telemarketers making far fewer cold calls to random people. Instead, he says, marketers have shifted to other methods of reaching people, such as mail, email or targeted advertisements on websites. That, he said, could be one of the reasons that the number of telemarketers checking the registry has dropped so sharply.

In light of the increased complaints, the FTC is stepping up efforts to combat robocalls. It recently released two consumer videos to explain what robocalls are and what to do about them. It also announced an October summit to examine the problem and explore the possibility of emerging technology that might help trace robocalls and prevent scammers from spoofing their caller ID.

Enforcement is another tool. The FTC has brought cases against about a dozen companies since 2009, including Talbots, DirecTV and Dish Network. The cases have yielded $5.6 million in penalties.

The agency said this month that it was mailing refund checks to more than 4,000 consumers nationwide who were caught up in a scam where the telemarketer used robocalls from names like "Heather from card services" to pitch worthless credit card rate reduction programs for an up-front fee. Checks to consumers range from $31 to $1,300 depending on how much was lost.

_______________________________________

When ATT ends unlimited data-----the most widely used option----you know the market is on the way to creating conditions you don't want or need to one that is most profitable.  That is what this shared packaging will be......paying for the 100 cable stations for a few wanted channels.

As the prices for SMART PHONE and technology rise, the tech industries are filling our schools with processes that require more and more operational exposure.  Society is being built around the need to access more of this and the ability to afford it is growing for most people.  THIS IS WHAT BEING WINNERS AND LOSERS IS ABOUT.

REMEMBER, HAVING PUBLIC UTILITIES IS WHAT MADE ALL CITIZENS EQUALLY ABLE TO BUILD THEIR FUTURES AND RISE IN ANY DIRECTION.  THIS MASS-PRIVATIZATION OF ALL THAT IS PUBLIC WILL IMPOVERISH AND DISENFRANCHISE MOST IN AMERICAN SOCIETY.

Ending net neutrality will give large corporations the ability to access ever faster and larger data packages while the employee has no access and computers at work protected against private use. 

ERGO------MOST AMERICANS WILL NOT KNOW WHAT IS GOING ON AS IS TRUE IN THIRD WORLD COUNTRIES!


Opinion: It’s a trap! Beware carriers’ new unlimited talk and text plans


By Brad Chacos  —   July 20, 2012 6 44 23 12 2 The most effective chains are the ones you don’t realize bind you.

After AT&T unveiled its own version of a shared data plan on Wednesday, dozens upon dozens of posts hit the Web heralding the news and weighing Mobile Share against both traditional data plans and Verizon’s Share Everything. (Even yours truly got in on the frenzy.)

Most posts considered the deal’s advantages for the consumer. But how do shared data plans benefit the carriers? Ah, that’s where things get a bit more devious.

Pooled data is the bait on the trap AT&T and Verizon have structured shared data to give themselves several advantages. The plans meet customer demands for a family data pool. Low subscription prices for tablets should drive more consumers to connect their slates to cellular networks. And both Mobile Share and Share Everything include unlimited talk and text minutes.

Wait! That last one’s a consumer benefit, not a carrier benefit. Isn’t it?

Not quite.

Analysts who have studied the plans agree: If you aren’t already on an unlimited talk and texting plan, shared data plans will actually cost you more money — often, a lot more money. Being for-profit businesses, carriers of course love pulling down more dough, but even more than that, they like the idea of getting you used to paying for unlimited talk and text.

That’s because talk and text deliver insane profit margins. It is a cash cow for carriers, and the cow’s milk is running dry.

Data killed the voice plan star Don’t take my word for it, though. Back in June, the Wall Street Journal reported that cellular subscribers have spent less time talking on the phone ever since the iPhone launched in 2007. That follows several years of an upward usage trend prior to the arrival of smartphones.

You never hear anybody complaining about their rollover minutes any more, do you? Now you know why.

Carriers have been keen to the mass migration for a while now, which helps explain why Skype had to fight a terrible struggle to even land on the original iPhone. (AT&T only caved in after both consumers and the FCC complained heavily.) That griping isn’t a thing of the past, either; this past May, Nokia tried to blame its Lumia struggles on Skype’s Windows Phone app.

In a 2011 New York Times report, Verizon vice president Brian Higgins conceded that as Internet speeds and availability increase, “Eventually, everything migrates to a data channel. We’re moving away from silos of communication to one where everything is combined together.”

That worries carriers, who see much more profit from voice subscriptions than data subscriptions.

After Apple announced that FaceTime would begin working over cellular networks in iOS 6, GigaOm and 9to5Mac examined the situation and found that chatting over FaceTime uses 3MB of data per minute. On a 2GB plan, that’s good for 666 minutes; a 3GB bumps that to an even 1,000. Comparable minutes on a voice plan cost significantly more than those on data plans — sometimes more than twice as much, the publications found.

Surprise! It’s rumored that AT&T might charge iPhone users an additional fee if they want to use FaceTime over Cellular. (Sprint definitely won’t, though.)

Data also killed the SMS star Carrier profits are even more gargantuan when it comes to text messages. In the wake of Apple’s iMessage service, CNET’s Steve Shankland did the math and found that on per-text SMS plans, which normally charge 20 cents per text, carriers receive the equivalent of $1,250 for every MB — not GB — of data — a 8,333 percent markup over the $30/2GB data plan Verizon had available at the time.

Shankland said the $20/month unlimited texting plan was “a better deal if you send and receive more than 100 messages a month.” No matter which way you cut it, though, carriers make a ton of money on texting.

That’s why iMessage and services like Kik (which send texts via data networks) have the carriers worked up. Data-based texting services were estimated to cost carriers $13.9 billion (with a “B”) in lost revenue in 2011.

“You lie awake at night worrying about what is that will disrupt your business model,” AT&T CEO Randall Stephenson said in May. “Apple iMessage is a classic example. If you’re using iMessage, you’re not using one of our messaging services, right? That’s disruptive to our messaging revenue stream.”

People who talk and text less often drop down to lower-priced limited service plans. But carriers won’t have to lose revenue or leave their messaging services lying dormant if they can convince you to pay for unlimited talk and text as part of a shared data plan.

Coincidentally, shared data plans began appearing shortly after Stephenson made his comments.

Can you escape the trap? If you don’t chat on the phone very often and don’t want to pay a premium for a service you don’t use — things are looking grim.

After introducing its Share Everything plans, Verizon did away with all the rest of its individual offerings. Unlimited talk and text is now the only way to fly on the nation’s largest 4G LTE network. Existing subscribers can keep their current plans, but be prepared to say sayonara to your low-cost limited voice minutes when you upgrade to a new handset.

AT&T’s a better option for tentative talkers and texters. It is still offering its traditional individual and family plans alongside Mobile Share — at least for now. Don’t expect that to last forever, though. As AT&T Mobility honcho Ralph de la Vega said in the aforementioned June WSJ article:

“The industry’s definitely moving towards unlimited… . Especially as more people adopt smartphones that have voice capabilities over the Internet, segmented voice plans will become less relevant.”

In other words, the talk and text cash cow isn’t dead. If shared data plans give us a glimpse of the future, we’ll be paying for its life support for a long, long time.
__________________________________________

We want to be clear-----Obama is not forced to do this.  He understands that the only way to have net neutrality was to declare it an utility.  His FCC refused to do that and sent the the Supreme Court policy they knew would be refused and now use this as an excuse to move forward with ending net neutrality.

When we have politicians who campaign on issue stances and then ignore them----we have not had free and fair elections.  One cannot vote for a politician if you have to guess if they will or won't do what they say.  That is politics in Iran or Nigeria.....


THIS IS ONE OF THE MOST INCREDIBLE POLICIES AS REGARDS MOVING TO A THIRD WORLD SOCIETY AND YOU DO NOT HEAR IT DISCUSSED AT ALL ON MEDIA.....DO YOU HEAR YOUR PUBLIC MEDIA DISCUSSING THESE POLICIES?  THEN, SHAKE THEM OUT!  THEY SHOULD NOT BE RECEIVING TAXPAYER MONEY IF THEIR GOAL IS TO KEEP YOU UNINFORMED!



April 24, 2014
Goodbye, Net Neutrality; Hello, Net Discrimination
Posted by Tim Wu  The New Yorker

In 2007, at a public forum at Coe College, in Iowa, Presidential candidate Barack Obama was asked about net neutrality. Specifically, “Would you make it a priority in your first year of office to reinstate net neutrality as the law of the land? And would you pledge to only appoint F.C.C. commissioners that support open Internet principles like net neutrality?”

“The answer is yes,” Obama replied. “I am a strong supporter of net neutrality.”
Explaining, he said, “What you’ve been seeing is some lobbying that says that the servers and the various portals through which you’re getting information over the Internet should be able to be gatekeepers and to charge different rates to different Web sites…. And that I think destroys one of the best things about the Internet—which is that there is this incredible equality there.”

If reports in the Wall Street Journal are correct, Obama’s chairman of the Federal Communications Commission, Thomas Wheeler, has proposed a new rule that is an explicit and blatant violation of this promise. In fact, it permits and encourages exactly what Obama warned against: broadband carriers acting as gatekeepers and charging Web sites a payola payment to reach customers through a “fast lane.”

Late last night Wheeler released a statement accusing the Wall Street Journal of being “flat-out wrong.” Yet the Washington Post has confirmed, based on inside sources, that the new rule gives broadband providers “the ability to enter into individual negotiations with content providers … in a commercially reasonable matter.” That’s telecom-speak for payola payments, and a clear violation of Obama’s promise.

This is what one might call a net-discrimination rule, and, if enacted, it will profoundly change the Internet as a platform for free speech and small-scale innovation. It threatens to make the Internet just like everything else in American society: unequal in a way that deeply threatens our long-term prosperity.

Some history may help explain the situation. The new rule gives broadband providers what they’ve wanted for about a decade now: the right to speed up some traffic and degrade others. (With broadband, there is no such thing as accelerating some traffic without degrading other traffic.) We take it for granted that bloggers, start-ups, or nonprofits on an open Internet reach their audiences roughly the same way as everyone else. Now they won’t. They’ll be behind in the queue, watching as companies that can pay tolls to the cable companies speed ahead. The motivation is not complicated. The broadband carriers want to make more money for doing what they already do. Never mind that American carriers already charge some of the world’s highest prices, around sixty dollars or more per month for broadband, a service that costs less than five dollars to provide. To put it mildly, the cable and telephone companies don’t need more money.

In 2007, Obama understood all of this. Without net neutrality, the result would be “much better quality from the Fox News site and you’d be getting rotten service from the mom and pop sites.” That year, he swore to me personally that he was committed to defending net neutrality. Unfortunately, his F.C.C. chairman is in the process of violating a core promise to innovators, to the technology sector, and, really, to all of us who use the Internet.

_______________________________________

Since the goal of privatization is busting public sector unions and send more taxpayer money to corporate profit....what is this mantra from neo-liberals shouting they are working to build the middle-class?

IT IS A COMPLETE LIE!  NEO-LIBERALS ARE THE ONES WHO KILLED THE MIDDLE-CLASS WITH CLINTON AND HIS EMPIRE-BUILDING GLOBAL CORPORATIONS SCHEMES.

Right now sending a letter is getting more and more problematic because the Post Office is being defunded and losing control of avenues of delivery.  Closing sorting facilities because hundreds of billions of dollars in pre-paid pensions is taken from annual revenues is a deliberate move to make the USPS unable to provide competitive service.  Where is all those billions in pension pre-payments going?  Well, as you know, the US Treasury is broke......these pensions are being spent as with our payroll taxes for Social Security and Medicare to build and maintain the NSA spying and Homeland Security.

WE NEED THE AMERICAN PEOPLE TO BE OUTRAGED!!!!!!  STOP ALLOWING THESE POSTAL EMPLOYEES TO FIGHT FOR WHAT IS ESSENTIAL IN A DEMOCRACY-----COMMUNICATIONS!



AlterNet / By Jodie Gummow

  Post Office Privatization Deal in the Works: Activists Take to the Streets The Postal Service plans to replace well-paid postal workers with low-wage Staples employees.

American Postal Workers Union protest in New York.
Photo Credit: Jodie Gummow

April 24, 2014  |     “U.S. mail is not for sale!” This was the hard-hitting message of hundreds of local activists who joined forces across the country in a national day of action protesting a privatization deal between the U.S. Postal Services and Staples.  

The USPS pilot program establishing unsecured postal counters in more than 80 Staples stores in four geographic areas began late last year.  


In response, American Postal Workers Union (APWU) members and associates rallied outside Staples stores around the country demanding an end to the deal which they say is aimed at replacing good, living-wage postal jobs with low-wage, high-turnover jobs filled with untrained Staples employees.  They say it may eventually lead to layoffs and the closing of post offices.

In New York, members of the New York Metro Area Postal Workers Union (APWU) joined forces outside the 5 th Avenue Staples store to deliver a clear message to the American people:

“What we’re trying to do is send a message to the U.S. Postal Service and Staples that the U.S. mail is not for sale,” Jonathan Smith, president of the New York APWU who led the New York charge explained to AlterNet. “We will not allow them to hire employees with no minimum wage, with no benefits and who are not trained to do the job properly.  With all the concern about privacy and identity theft, that’s just not the right way to handle the U.S. mail.  The mail needs to be handled by experienced postal employees who swear an oath and who are accountable to the American people. This is a disservice to the American people and the constitution,” he said.

While Postmaster General Patrick Donahoe has denied the USPS-Staples scheme is privatization, the APWU recently obtained a copy of the heavily redacted  USPS agreement, which reveals the true goal of the program is to replace jobs held by USPS employees with low-wage jobs in the private sector, as well as expand the program to 1,500 Staples stores nationwide.

Smith explained to AlterNet how this directly comprises the quality, security and reliability that consumers expect and deserve in the handling of their mail as the struggling U.S postal service looks for ways to cut costs and boost revenue.

“Donahoe is trying to turn the postal service into a for-profit organization. We are here to tell the American people that we will not allow the Postal Service to take our work away and give it to people that are not trained. We are the 99 percent and if we don't fight for our rights, they will take it away.”

Likewise, Bobby Blum, Vice President of the  National Postal Mail Handlers Union spoke of the importance of unions to join together in postal alliance to fight against global corporations and privatization. 

 “We’re here today to stop the transfer of middle-class jobs to low-wage jobs and to stop the transfer of union jobs to non-union jobs,” he said. “We stand shoulder to shoulder to stop the privatization of the people’s postal service.   The CEO of Staples averages a $15 million a year salary, while the average Staples employee makes less than $9 an hour…We must stand together to fight. We can’t let postal employment go to the corporate elite and the cronies in congress dismantle the people’s service.  An injury to one is an injury to all – we stand with you today and say, ‘Stop staples! Stop staples now!” he said.

Fuelling further outage is the recent Staples announcement that it will close 225 stores by 2015, which has many furious employees wondering how such an important public asset could be turned over to a struggling private company, as Times Square postal worker Diane Erlanger explained to AlterNet at the protest.





0 Comments

    Author

    Cindy Walsh is a lifelong political activist and academic living in Baltimore, Maryland.

    Archives

    April 2019
    March 2019
    February 2019
    January 2019
    December 2018
    November 2018
    October 2018
    September 2018
    August 2018
    July 2018
    June 2018
    May 2018
    April 2018
    March 2018
    February 2018
    January 2018
    December 2017
    November 2017
    October 2017
    September 2017
    August 2017
    July 2017
    June 2017
    May 2017
    April 2017
    March 2017
    February 2017
    January 2017
    December 2016
    November 2016
    October 2016
    September 2016
    August 2016
    July 2016
    June 2016
    May 2016
    April 2016
    March 2016
    February 2016
    January 2016
    December 2015
    November 2015
    October 2015
    September 2015
    August 2015
    July 2015
    June 2015
    May 2015
    April 2015
    March 2015
    February 2015
    January 2015
    December 2014
    November 2014
    October 2014
    September 2014
    August 2014
    July 2014
    June 2014
    May 2014
    April 2014
    March 2014
    February 2014
    January 2014
    December 2013
    November 2013
    October 2013
    September 2013
    August 2013
    July 2013
    June 2013
    May 2013
    April 2013
    March 2013
    February 2013
    January 2013
    December 2012
    November 2012
    October 2012
    September 2012
    August 2012
    July 2012
    June 2012
    May 2012
    April 2012

    Categories

    All
    2014 Economic Crash
    21st Century Economy
    Affordable Care Act
    Affordable Care Act
    Alec
    Americorp/VISTA
    Anthony Brown
    Anthony Brown
    Anti Incumbant
    Anti-incumbant
    Anti Incumbent
    Anti Incumbent
    Attacking The Post Office Union
    Baltimore And Cronyism
    Baltimore Board Of Estimates
    Baltimore Board Of Estimates
    Baltimore Development Corp
    Baltimore Development Corp
    Baltimore Recall/Retroactive Term Limits
    Bank Fraud
    Bank Fraud
    Bank Of America
    Bank Settlement
    Bank-settlement
    B Corporations
    Bgeexelon Mergerf59060c411
    Brookings Institution
    Business Tax Credits
    California Charter Expansion
    Cardin
    Career Colleges
    Career Colleges Replacing Union Apprenticeships
    Charters
    Charter School
    Collection Agencies
    Common Core
    Consumer Financial Protection Bureau
    Consumer-financial-protection-bureau
    Corporate Media
    Corporate-media
    Corporate Oversight
    Corporate-oversight
    Corporate Politicians
    Corporate-politicians
    Corporate Rule
    Corporate-rule
    Corporate Taxes
    Corporate-taxes
    Corporate Tax Reform
    Corporatizing Us Universities
    Cost-benefit-analysis
    Credit Crisis
    Credit-crisis
    Cummings
    Department Of Education
    Department Of Justice
    Department-of-justice
    Derivatives Reform
    Development
    Dismantling Public Justice
    Dodd Frank
    Doddfrankbba4ff090a
    Doug Gansler
    Doug-gansler
    Ebdi
    Education Funding
    Education Reform
    Edwards
    Election Reform
    Election-reform
    Elections
    Emigration
    Energy-sector-consolidation-in-maryland
    Enterprise Zones
    Equal Access
    Estate Taxes
    European Crisis
    Expanded And Improved Medicare For All
    Expanded-and-improved-medicare-for-all
    Failure To Prosecute
    Failure-to-prosecute
    Fair
    Fair And Balanced Elections
    Fair-and-balanced-elections
    Farm Bill
    Federal Election Commissionelection Violationsmaryland
    Federal Election Commissionelection Violationsmarylandd20a348918
    Federal-emergency-management-agency-fema
    Federal Reserve
    Financial Reform Bill
    Food Safety Not In Tpp
    For Profit Education
    Forprofit-education
    Fracking
    Fraud
    Freedom Of Press And Speech
    Frosh
    Gambling In Marylandbaltimore8dbce1f7d2
    Granting Agencies
    Greening Fraud
    Gun Control Policy
    Healthcare For All
    Healthcare-for-all
    Health Enterprise Zones
    High Speed Rail
    Hoyer
    Imf
    Immigration
    Incarceration Bubble
    Incumbent
    Incumbents
    Innovation Centers
    Insurance Industry Leverage And Fraud
    International Criminal Court
    International Trade Deals
    International-trade-deals
    Jack Young
    Jack-young
    Johns Hopkins
    Johns-hopkins
    Johns Hopkins Medical Systems
    Johns-hopkins-medical-systems
    Kaliope Parthemos
    Labor And Justice Law Under Attack
    Labor And Wages
    Lehmann Brothers
    Living Wageunionspolitical Action0e39f5c885
    Maggie McIntosh
    Maggie-mcintosh
    Martin O'Malley
    Martin O'Malley
    Martin-omalley
    Martin-omalley8ecd6b6eb0
    Maryland Health Co Ops
    Maryland-health-co-ops
    Maryland-health-co-ops1f77692967
    Maryland Health Coopsccd73554da
    Maryland Judiciary
    Marylandnonprofits
    Maryland Non Profits
    Maryland Nonprofits2509c2ca2c
    Maryland Public Service Commission
    Maryland State Bar Association
    Md Credit Bondleverage Debt441d7f3605
    Media
    Media Bias
    Media-bias
    Medicaremedicaid
    Medicaremedicaid8416fd8754
    Mental Health Issues
    Mental-health-issues
    Mers Fraud
    Mikulski
    Military Privatization
    Minority Unemploymentunion And Labor Wagebaltimore Board Of Estimates4acb15e7fa
    Municipal Debt Fraud
    Ndaa-indefinite-detention
    Ndaaindefinite Detentiond65cc4283d
    Net Neutrality
    New Economy
    New-economy
    Ngo
    Non Profit To Profit
    Nonprofit To Profitb2d6cb4b41
    Nsa
    O'Malley
    Odette Ramos
    Omalley
    O'Malley
    Open Meetings
    Osha
    Patronage
    Pension-benefit-guaranty-corp
    Pension Funds
    Pension-funds
    Police Abuse
    Private-and-public-pension-fraud
    Private Health Systemsentitlementsprofits Over People
    Private Health Systemsentitlementsprofits Over People6541f468ae
    Private Non Profits
    Private-non-profits
    Private Nonprofits50b33fd8c2
    Privatizing Education
    Privatizing Government Assets
    Privatizing-the-veterans-admin-va
    Privitizing Public Education
    Progressive Policy
    Progressive Taxes Replace Regressive Policy
    Protections Of The People
    Protections-of-the-people
    Public Education
    Public Funding Of Private Universities
    Public Housing Privatization
    Public-libraries-privatized-or-closed
    Public Private Partnerships
    Public-private-partnerships
    Public Transportation Privatization
    Public Utilities
    Rapid Bus Network
    Rawlings Blake
    Rawlings-blake
    Rawlingsblake1640055471
    Real Progressives
    Reit-real-estate-investment-trusts
    Reitreal Estate Investment Trustsa1a18ad402
    Repatriation Taxes
    Rule Of Law
    Rule-of-law
    Ruppersberger
    SAIC AND INTERNATIONAL SECURITY
    Sarbanes
    S Corp Taxes
    Selling Public Datapersonal Privacy
    Smart Meters
    Snowden
    Social Security
    Sovereign Debt Fraudsubprime Mortgage Fraudmortgage Fraud Settlement
    Sovereign Debt Fraudsubprime Mortgage Fraudmortgage Fraud Settlement0d62c56e69
    Statistics As Spin
    Statistics-as-spin
    Student-corps
    Subprime Mortgage Fraud
    Subprime-mortgage-fraud
    Surveillance And Security
    Sustainability
    Teachers
    Teachers Unions2bc448afc8
    Teach For America
    Teach For America
    Technology Parks
    Third Way Democrats/new Economy/public Union Employees/public Private Patnerships/government Fraud And Corruption
    Third Way Democratsnew Economypublic Union Employeespublic Private Patnershipsgovernment Fraud And Corruption
    Third-way-democratsnew-economypublic-union-employeespublic-private-patnershipsgovernment-fraud-and-corruptionc10a007aee
    Third Way/neo Liberals
    Third-wayneo-liberals
    Third-wayneo-liberals5e1e6d4716
    Third Wayneoliberals7286dda6aa
    Tifcorporate Tax Breaks2d87bba974
    Tpp
    Transportation Inequity In Maryland
    Union Busting
    Unionbusting0858fddb8b
    Unions
    Unionsthird Waypost Officealec3c887e7815
    Universities
    Unreliable Polling
    Unreliable-polling
    Van Hollen
    Van-hollen
    VEOLA Environment -privatization Of Public Water
    Veterans
    War Against Women And Children
    War-against-women-and-children
    Youth Works

    RSS Feed

Powered by Create your own unique website with customizable templates.