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Rick



Last Updated: 11/17/2009

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Gender: Male
Status: Single
Age: 45
Sign: Pisces

City: So, burbs of Chicago
State: Illinois
Country: US
Signup Date: 10/17/2005

Who Gives Kudos:


Sunday, March 08, 2009 

Current mood:  awake
Enclosed is a copy & paste on AIG and where "OUR" money has gone. I don't know about you, but I sure as hell didn't want a penny of my money to be used for this. Notice the lack of disclosure and this is just one major player that has their hand out for more, more, more. Why did the Feds report a few weeks back that our banks were safe and secure, and then turnaround and decide to "Stress Test," the banks just two days later, if in fact they were stable and safe? This came right after the "so called" stimulus was passed. Now being just one company we are looking at what about Bank of America, CitiGroup, GM, Chrysler, etc, etc...are we paying attention that everyone of these companies after being handed over billions in so called loans reported billions more in losses. Personally, I say its enough with the bailouts for everyone, forget chain reactions, the fact is that even with this new mortgage bailout that only 20% of those introuble will qualify, and yet on the other side of the coin the Whitehouse realeased stats saying that by 2020, 16% of all homes in the United States will be foreclosed on. Lets also not foget that we have yet been given Bernake's plan for the "4th" Financial Institutions Bailout Plan...yes, the FOURTH since Bush and now Obama, and lets keep a very clear persepective on the fact that Obama was pushing this legislation through all along as a US Senator! Also lets for once stop saying the republicans or Bush did this...this all began with Clinton Administration. Count the years people..it takes on average 12 years for a administrations financial plan/policies to take effect. The problems in the mortgage industry were already known in that administration as were the possible downfall of Freddie and Ginnie. The Clinton Adiminstration years allowed mergers, free trade with narrower exports, and whitehouse order to approve mortgage loans destined for failure, and a smoke and mirror economy by never raising interest rates...we were losing jobs and saw companies fail then in record numbers. This Bernake plan was disclosed the Tuesday Morning of which Obama addressed the nation on television. Bernake said that day, "That bailout may well be 2 tillion dollars in itself!"
That Tuesday and the address or shall I say "Song and dance to the nation," was a week earlier in a interview with Bill Clinton precisely scripted by the Obama Administration. Billary Clinton said, "I believe the administration has said enough about the gloom and doom to pass through the legislation (stimulus package), now its time he speaks the good to come of and bring back hope to the people!" So yes folks, its all a staging, a show, a smoke and mirror thing...thats politics, and thats all we end up with people in Capital for any real length of time. Out of touch politicians. I know every Asian country has to be cringing when Hilaary went to Asia to express that all our trade agreements will remain and less than a few days later Obama addresses the nation and says, "Our trade agreements will also need to be changed and balanced!" We are actually lucky to not have another world war happening right now, and theres alot of inexperience showing right now thats cutting this country's throats for generations to come.
As for that Tuesday night address to the people...I sat there praying that someone please throw a damned shoe already. Better still everyone in the house throw both shoes at the podium fast!!!!!!! If not at Obama then please some throw then at Nancy Pelosi. That insane woman stood up applauding every 15 seconds...they should have drug tested that psycho after the first 15 minutes, because she had to smoke $1,000.00 worth of crack for the psychotic behavior and energy she had, when she doesn't even know how many Americans are in the US Population!!!!!!
Go back to a few blogs back and see the count of the money being handed out just a few days prior to the stimulus bill being passed, and lets add these numbers to that now...400 billion Obama is giving to cities for Capital projects (Daley's 50 million for a runway when flights are down 63%, and that project is 120 million in the hole right now, a $800,000 dog park for San Jose, CA that will create 1 job, but lets not forget it added 14 police officers in Ohio...God, I feel so safe now!), God knows how much that "stress testing of the banks will cost us, an undisclosed amount of federal funding now for brain stem research, which reminds me that Obama is overturning the moral and ethics bill that Bush signed into effect prohibiting doctors and nurses that for whatever moral and ethical personal beliefs would not be forced to perform abortions...now they will have to against their own personal moral, ethical, and religious beliefs! National Healthcare ala Socialism, think people?!?!! Hillary also pledged Gaza 4.5 billion to rebuild it...excuse me? Did we bomb or destroy Gaza, do they provide anything we need such as oil...let Isreal pay to rebuild it, they destroyed it AGAIN. I guess we will pay for more terrorists in the long run, AGAIN!
The article from Reuter's News Agency:


NEW YORK (Reuters) – Where, oh where, did AIG's bailout billions go? That question may reverberate even louder through the halls of government in the week ahead now that a partial list of beneficiaries has been published.
The Wall Street Journal reported on Friday that about $50 billion of more than $173 billion that the U.S. government has poured into American International Group Inc since last fall has been paid to at least two dozen U.S. and foreign financial institutions.
The newspaper reported that some of the banks paid by AIG since the insurer started getting taxpayer funds were: Goldman Sachs Group Inc, Deutsche Bank AG, Merrill Lynch, Societe Generale, Calyon, Barclays Plc, Rabobank, Danske, HSBC, Royal Bank of Scotland, Banco Santander, Morgan Stanley, Wachovia, Bank of America, and Lloyds Banking Group.
Morgan Stanley and Goldman Sachs declined to comment when contacted by Reuters. Bank of America, Calyon, and Wells Fargo, which has absorbed Wachovia, could not be reached for comment.
The U.S. Federal Reserve has refused to publicize a list of AIG's derivative counterparties and what they have been paid since the bailout, riling the U.S. Senate Banking Committee.
Federal Reserve Vice Chairman Donald Kohn testified before that committee on Thursday that revealing names risked jeopardizing AIG's continuing business. Kohn said there were millions of counterparties around the globe, including pension funds and U.S. households.
He said the intention was not to protect AIG or its counterparties, but to prevent the spread of AIG's infection.
The Wall Street Journal, citing a confidential document and people familiar with the matter, reported that Goldman Sachs and Deutsche Bank each got about $6 billion in payments between the middle of September and December last year.
Once the world's largest insurer, AIG has been described by the United States as being too extensively intertwined with the global financial system to be allowed to fail.
The Federal Reserve first rode to AIG's rescue in September with an $85 billion credit line after losses from toxic investments, many of which were mortgage related, and collateral demands from banks, left AIG staring down bankruptcy.
Late last year, the rescue packaged was increased to $150 billion. The bailout was overhauled again a week ago to offer the insurer an additional $30 billion in equity.
AIG was first bailed out shortly after investment bank Lehman Brothers was allowed to fail and brokerage Merrill Lynch sold itself to Bank of America Corp.
Bankruptcy for AIG would have led to complications and losses for financial institutions around the world doing business with the company and policy holders that AIG insured against losses.
Representative Paul Kanjorski told Reuters on Thursday that he had been informed that a large number of AIG's counterparties were European.
"That's why we could not allow AIG to fail as we allowed Lehman to fail, because that would have precipitated the failure of the European banking system," said Kanjorski, a Democrat from Pennsylvania who chairs the House Insurance Subcommittee.
TOXIC ASSETS/TOXIC WASTE
As part of its business, AIG insured counterparties on mortgage-backed securities and other assets. The collapse of the U.S. subprime mortgage market, which triggered a global financial crisis, left the insurer and some of its policy holders facing possible ruin as the value of assets declined.
U.S. regulators failed to recognize how much risk AIG was piling on in credit-default swaps, and by the time they understood, they had no choice but to pour in billions of public dollars, Kohn and other officials told the Senate panel.
Senators were outraged by the lack of details about where the bailout money has gone.
"That we find ourselves in this situation at all is ... quite frankly, sickening," said Senator Christopher Dodd, the Democrat who chairs the committee. "The lack of transparency and accountability in this process has been rather stunning."
Eric Dinallo, superintendent of New York State's Insurance Department, railed on Friday against AIG's failed business model, likening its insuring credit-default swaps as gambling with somebody else's money.
"It's like taking insurance on your neighbor's house and even maybe contributing to blowing it up," he said at a panel sponsored by New York University's Stern School of Business.
U.S. lawmakers have said they are running out of patience with regulators' refusal to identify AIG's counterparties.
On Thursday, Richard Shelby, the top Republican on the banking committee, said: "The Fed and Treasury can be secretive for a while but not forever."
(Writing Toni Reinhold; Additional reporting by Juan Lagorio in New York; Editing by Clive McKeef)

 
ƸӜƷღPam F.ღƸӜƷ
Pam Flick

 
Thanks for the updates.
As Always!
 
Posted by ƸӜƷღPam F.ღƸӜƷ on Sunday, March 08, 2009 - 6:10 PM
[Reply to this
Rick

 
Pam,


I also failed miserably to mention another important fact about this administration and the federal reserve. Why is the Federal Reserve maybe considering a loan itself to cover the deposits amongst the banking industry? This administration has not mentioned one word about the status of the Social Security Fund, and the feds are notorious for taking money out of SSI to cover itself...thats even more scary because in the long term like with the auto industry I see the funds they are supposed to pay back being defaulted on under bankruptcy.
We can pump dollar after brand new dollar into theses companies, but every dollar is being deavlued everyday and whats not being faced is this is GLOBAL so, it doesn't much matter what we do here it has to run its course globally, otherwise we are just throwing taxpayer money into a vacuum with an abyss on the other end!!!!
 
Posted by Rick on Sunday, March 08, 2009 - 6:21 PM
[Reply to this
Gail

 
Hi Rick,

Yes and besides all this AIG is one of the worst Insurance companies out there. They focus on insurances that allow you to pay high premiums with false and misleading promises. These types of insurances do not put a family in a bettr position if a loved one is to die. THERE ARE GOOD INSURANCES that DO protect and DO what they say Primerica Term Life is one such company. BUT this company is not one of them. Sure there are a few cases where people have collected from AIG, they do need to put forth some sort of reputialbe image to the public.
The rotten thing is these scams are legal!!!

The types of insurances AIG focuses on are accisent insurance, term mortgage insurance, whole life, universal life and variable life. I don't know if anyone has actually read their insurance policies but everyone should and if you can't understand it call someone who is licensed in the industry ( like me) and can explain it for you. All accident policies have certain stipulations on HOW the death occurs to qualify for a benefit to be paid. I once read a policy that had so many stipulations (did not allow death by drowning or accident that caused death after 24 hours from incident) on it the person would have had to be decapitated at the time of the accident and pronounced dead at the scene. So if the body and head were taken to the hospital and pronounced dead at the hospital.... no pay out! Term mortgage insurances basically qualify you to pay premiums but do not pre qualify you for a benefit untill after you are dead. So when the family files for a claim 90 out of 100 are denied becasue of the way questions were answered at the time of applying for the policy. Years of premiums are paid and no benefit is realized by the family and the house is lost. The last three types all have a savings account attached which is just a scheme to get your money and not have to give it back to your family if you die. These insurances have several ways listed on how the benefit is to be paid there is an option a, b, and sometimes c or more. Only one of those options will say your family gets the face value of the policy AND the savings. The rest say you only get one, either the face value or the savings NOT both. The insurance companies trick you into thinking this is a safe guarenteed way to save money. These policies leave someone else in charge of your money. Susy Orman recommends and I do to that it is better to have term insurance when the family is starting out and start your own participation in a mutual fund than to have a whole life policy. Term pays more benefit for less money and you only need it for a period of time.


So let Aig fall apart and the private sector buy up what ever is left of it. Stop giving our money away.

 
Posted by Gail on Sunday, March 08, 2009 - 6:26 PM
[Reply to this
Rick

 
Gail,


People are ignorant, and most will not bother researching, looking things up, or even reading to gather facts. Notice too I am not meaning this to degrade, insult, or offend anyone, but most people here in the US talk about caring for everyone, but when it comes down to it, its about them first. Without blaming any one party, president, etc. its our GOVERNMENT of the people we placed there thats done this to us, and we are supposed to let them lead us out. The Federal Government couldn't manage a greasy spoon and turn a profit. Its been shown time and time again that government and money is a disaster waiting to happen, and theres NO CHANGE in this administration. We have man in the highest office who's grandmother says, "he was born in Kenya," and theres been no proof, questions, or eveidence to show otherwise other than his word! I am already tired of his self inflated ego with subliminal self comparisons to every president out there from Lincoln to Roosevelt. FDR led this nation out of a depression through infrastucture spending, but that was needed then, He carried us through two wars, and died while in his THIRD term...Obama is no Kennedy, no Lincoln, and no Roosevelt, and is financially crippling this country to a the point where socialism would be welcome because most in this nation will need governemnt help. AIG, The Auto Industry, and the Banks that took, took, squandered, and squandered more need to fall...in this last year alone every industry for which we gave money is right back again begging for more, its time government govern, business be and do business, and we wake upas a nation!






 
Posted by Rick on Sunday, March 08, 2009 - 6:51 PM
[Reply to this
Gail

 
So Rick, other than writing our representatives, and talking to others to try to Wake Them Up! What actions should we take?



I for one have started to read labels and Only buy American made. Products are out there and if we continualy buy American and many times these products are cheaper we can send message and support people's jobs in the US.

 
Posted by Gail on Sunday, March 08, 2009 - 7:29 PM
[Reply to this
Rick

 
Gail,


Whats tough about buying solely american is the fact that still many american made products also contain components, and even ingredients form overseas. Man of the american cars are a good example of this as companies here still want the best deal...it has to begin with them first. My background is management and supervisory and I hate to say it but the american are a spoiled group of whiners that want more, and put forth even less. Thats destroyed our base companies...auto, educational system, steel, and even chemical and oil, etc. Awareness is first and foremost as being informed is a person's best defense for life in general , be aware of those running for office, and being involved begins with our governors on up, and even down to local mayors to a point. Especially today with the internet theres no reason to not send a letter or investigate issues coming up for amendment, policy, or vote.

 
Posted by Rick on Sunday, March 08, 2009 - 7:37 PM
[Reply to this
Gail

 
Rick, I took my own advice a little further. Here is a web site where everything american made can be found, check it out.
Awesome!!

http://www. madeinusa. org/


 
Posted by Gail on Sunday, March 08, 2009 - 7:28 PM
[Reply to this
Rick

 
Thank you!
 
Posted by Rick on Sunday, March 08, 2009 - 7:38 PM
[Reply to this
SYNTHIA ESTHER.COM

 
God help America! Thanks for posting such an informative blog. I too strive to keep up with this sad state of affairs...at our website: www. concernedsingleamericans. com





The lack of transparency and accountability is shocking in the land of the free and the brave? I am praying for America's leaders to have a come to Jesus meeting of the minds.






None Obama has reversed Bush's order concerning "stem cell research." Abortions will now be prime, as scientist bid for their "fresh" baby flesh and remains.






God help us all.







 
Posted by SYNTHIA ESTHER.COM on Wednesday, March 11, 2009 - 11:47 PM
[Reply to this
Rick

 
Synthia,


Glad to have finally heard again from you. You notice how that want, and even preach transperancy are the ones that are the very least. Unfortunately another reason I left ministry as that was the cath phrase for 6 months prior to leaving...Transperancy. Since this blog was written we have had the brain stem research over turned and costing us an undisclosed amount of money, a 410 billion dollar spending bill today was signed, Hillary vowing 4.5 billion to Gaza for rebuilding, a promised 1 million again from the administration for Palestinians to attend college here ala: Bin Laden, and several other people from overseas that we educated and then turned us. Enough is enough...someone mentioned today that on 1 of the political, financial talk shows that it was mentioned that our deficiet is 1000 times higher right now than it was in the past administration years totalled! We also have a rpomise for Obama to overturn the morals and ethics lagislation that protects doctors and nurses from performing abortions based upon these constitutional rights on beliefs. They will be forced to perform the procedures once signed. As I mentioned in comment to another pastor's blogs out here...I am not saying Obama and this administration is the beast mentioned in Revelations, but I do know how God punished his people time and time again for taking their eyes off Him, and mocking Him. He caused years of starvation, hardships, plagues, even took their lives Himself and allowed them defeats in massive numbers, even destroyed them totally at times to teach a lesson. Can you imagine the end times if this is only a punsihment? I myself believe he tried getting our attention with the Hurricanes and natural disasters in the Katrina times, tried again with 911 and the world trade center, and for the fact that we have yet imprisoned or caught the person behind that fateful day...all of whats going on will bring this nation to its knees and has many people already. But with this direction is there also that underlayer of hidden agenda as the Clinton's wanted of a world power and governement? This will be with us for generations to come (generaltional curse?), and is leading this country to become government dependant whether the people see clearly or not! I love you and God bless, remain safe, and always praying for you and your ministries.

 
Posted by Rick on Thursday, March 12, 2009 - 12:06 AM
[Reply to this
SYNTHIA ESTHER.COM

 
Yes Rick...you are right on many counts, to be sure. I don't know what the future holds...but I know who holds the future - "GOD.
"





P.S.



I don't know why my first post had such vast space added in between my sentence points? Sorry, not intentional. And the word 'NONE' should have read "NOW" Obama. Blessings to you Rick.
I always enjoy reading your blogs:)
 
Posted by SYNTHIA ESTHER.COM on Thursday, March 12, 2009 - 3:27 PM
[Reply to this
Rick

 
Synthia,


You needn't apologize for MySpace's tinkering and the most likely cause of the spacing in the previous comment, afterall even though its called MySpace, it really there space and thier kb's being taken...lol! Thank you for the comment, and you do know the door is open to you even beyond the comments we share on eachother's blogs and readings. God bless, be safe, and again thank you.

 
Posted by Rick on Thursday, March 12, 2009 - 3:32 PM
[Reply to this
SYNTHIA ESTHER.COM

 
God bless you too Rick.
I so appreicate your friendship!
 
Posted by SYNTHIA ESTHER.COM on Saturday, March 14, 2009 - 1:11 PM
[Reply to this
Rick

 
Da Nadda!
 
Posted by Rick on Saturday, March 14, 2009 - 6:50 PM
[Reply to this
*Lucky Lady L*

 
better late than never....:)
 
Posted by *Lucky Lady L* on Thursday, March 19, 2009 - 8:04 PM
[Reply to this
Rick

 
LL,


Like any bad business...they should have been allowed to totally fail, look at today and we are still going to pump more money into this company!
 
Posted by Rick on Thursday, March 19, 2009 - 8:13 PM
[Reply to this