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It took the first 204 years of our Nation's history to accumulate $1 trillion in debt. And now we are doing that every 2 or 3 years.

quote by Jim Cooper
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Death Of The Middle Class

Oligarchs and Banksters tighten financial screws
In a bold attempt to kill the global Middle Class
Heads of State unable/unwilling to halt this ruse
The “Great Depression of 1929” we soon surpass

ROTMS

By Andrew Gavin Marshall - Global Research

We now stand at the edge of the global financial abyss of a ‘Great Global Debt Depression, ’ where nations, mired in extreme debt, are beginning to implement ‘fiscal austerity’ measures to reduce their deficits, which will ultimately result in systematic global social genocide, as the middle classes vanish and the social foundations upon which our nations rest are swept away. How did we get here? Who brought us here? Where is this road leading? These are questions I will briefly attempt to answer.

At the heart of the global political economy is the central banking system. Central banks are responsible for printing a nation’s currency and setting interest rates, thus determining the value of the currency. This should no doubt be the prerogative of a national government, however, central banks are of a particularly deceptive nature, in which while being imbued with governmental authority, they are in fact privately owned by the world’s major global banks, and are thus profit-seeking institutions. How do central banks make a profit? The answer is simple: how do all banks make a profit? Interest on debt. Loans are made, interest rates are set, and profits are made. It is a system of debt, imperial economics at its finest.

In the United States, President Woodrow Wilson signed the Federal Reserve Act in 1913, creating the Federal Reserve System, with the Board located in Washington, appointed by the President, but where true power rested in the 12 regional banks, most notably among them, the Federal Reserve Bank of New York. The regional Fed banks were private banks, owned in shares by the major banks in each region, which elected the board members to represent them, and who would then share power with the Federal Reserve Board in Washington.

In the early 1920s, the Council on Foreign Relations was formed in the United States as the premier foreign policy think tank, dominated by powerful banking interests. In 1930, the Bank for International Settlements (BIS) was created to manage German reparations payments, but it also had another role, which was much less known, but much more significant. It was to act as a “coordinator of the operations of central banks around the world.” Essentially, it is the central bank for the world’s central banks, whose operations are kept ‘strictly confidential.’ As historian Carroll Quigley wrote:

'The powers of financial capitalism had another far-reaching aim, nothing less than to create a world system of financial control in private hands able to dominate the political system of each country and the economy of the world as a whole. This system was to be controlled in a feudalist fashion by the central banks of the world acting in concert, by secret agreements arrived at in frequent private meetings and conferences. The apex of the system was to be the Bank for International Settlements in Basel, Switzerland, a private bank owned and controlled by the world’s central banks which were themselves private corporations.'

In 1954, the Bilderberg Group was formed as a secretive global think tank, comprising intellectual, financial, corporate, political, military and media elites from Western Europe and North America, with prominent bankers such as David Rockefeller, as well as European royalty, such as the Dutch royal family, who are the largest shareholders in Royal Dutch Shell, whose CEO attends every meeting. This group of roughly 130 elites meets every year in secret to discuss and debate global affairs, and to set general goals and undertake broad agendas at various meetings. The group was initially formed to promote European integration. The 1956 meeting discussed European integration and a common currency. In fact, the current Chairman of the Bilderberg Group told European media last year that the euro was debated at the Bilderberg Group.

In 1973, David Rockefeller, Chairman and CEO of Chase Manhattan Bank, Chairman of the Council on Foreign Relations and a member of the Steering Committee of the Blderberg Group, formed the Trilateral Commission with CFR academic Zbigniew Brzezinski. That same year, the oil price shocks created a wealth of oil money, which was discussed at that years Bilderberg meeting 5 months prior to the oil shocks, and the money was funneled through western banks, which loaned it to ‘third world’ nations desperately in need of loans to finance industrialization.

When Jimmy Carter became President in 1977, he appointed over two dozen members of the Trilateral Commission into his cabinet, including himself, and of course, Zbigniew Brzezinski, who was his National Security Adviser. In 1979, Carter appointed David Rockefeller’s former aide and friend, Paul Volcker, who had held various positions at the Federal Reserve Bank of New York and the U.S. Treasury Department, and who also happened to be a member of the Trilateral Commission, as Chairman of the Federal Reserve. When another oil shock took place in 1979, Volcker decided to raise interest rates from 2% in the late 70s, to 18% in the early 80s. The effect this had was that the countries of the developing world suddenly had to pay enormous interest on their loans, and in 1982, Mexico announced it could no longer afford to pay its interest, and it defaulted on its debt, which set off the 1980s debt crisis – collapsing nations in debt across Latin America, Africa and parts of Asia.

It was the IMF and the World Bank came to the ‘assistance’ of the Third World with their ‘structural adjustment programs’, which forced countries seeking assistance to privatize all state owned industries and resources, devalue their currencies, liberalize their economies, dismantle health, education and social services; ultimately resulting in the re-colonization of the ‘Third World’ as Western corporations and banks bought all their assets and resources, and ultimately created the conditions of social genocide, with the spread of mass poverty, and the emergence of corrupt national elites who were subservient to the interests of Western elites. The people in these nations would protest, riot and rebel, and the states would clamp down with the police and military.

In the West, corporations and banks saw rapid, record-breaking profits. This was the era in which the term ‘globalization’ emerged. While profits soared, wages for people in the West did not. Thus, to consume in an economy in which prices were rising, people had to go into debt. This is why this era marked the rise of credit cards fueling consumption, and the middle class became a class based entirely on debt.

In the 1990s, the ‘new world order’ was born, with America ruling the global economy, free trade agreements began integrating regional and global markets for the benefit of global banks and corporations, and speculation dominated the economy.

The global economic crisis arose as a result of decades of global imperialism – known recently as ‘globalization’ – and the reckless growth of– speculation, derivatives and an explosion of debt. As the economic crisis spread, nations of the world, particularly the United States, bailed out the major banks (which should have been made to fail and crumble under their own corruption and greed) , and now the West has essentially privatized profits for the banks, and socialized the risk. In other words, the nations bought the debt from the banks, and now the people have to pay for it. The people, however, are immersed in their own personal debt to such degrees that today, the average Canadian is $39,000 in debt, and students are graduating into a jobless market with tens to hundreds of thousands of dollars of student debt that they will never repay. Hence, we are now faced with a global debt crisis.

To manage the economic crisis, the G20 was established as the major international forum for cooperation among the 20 major economies of the world, including the major developing – or emerging – economies, such as India, Brazil, South Africa and China. At the onset of the financial crisis, China and Russia’s central banks began calling for the establishment of a global currency to replace the U.S. dollar as the world reserve currency. This proposal was backed by the UN and the IMF. It should be noted, however, that the Chinese and Russian central banks cooperate with the Western central banks through the Bank for International Settlements – which the President of the European Central Bank, Jean-Claude Trichet, recently said was the principle forum for “governance of central bank cooperation” and that the G20 is “the prime group for global economic governance.” In 2009, the IMF stated that the BIS “is the central and the oldest focal point for coordination of global governance arrangements.” The President of the European Union, appointed to the position after attending a Bilderberg meeting, declared 2009 as the “first year of global governance.” The 2009 Bilderberg meeting reported on the desire to create a global treasury, or global central bank, to manage the world economy. In 2009, prior to the Bilderberg meeting in fact, the G20 set in motion plans to make the IMF a global central bank of sorts, issuing and even printing its own currency – called Special Drawing Rights (SDRs) – which is valued against a basket of currencies. In May of 2010, the IMF Managing Director stated that “crisis is an opportunity, ” and while Special Drawing Rights are a step in the right direction, ultimately what is needed is “a new global currency issued by a global central bank, with robust governance and institutional features.” Thus, we see the emergence of a process towards the formation of a global central bank and a global currency, totally unaccountable to any nation or people, and totally controlled by global banking interests.

In 2010, Greece was plunged into a debt crisis, a crisis which is now spreading across Europe, to the U.K. and eventually to Japan and the United States. If we look at Greece, we see the nature of the global debt crisis. The debt is owed to major European and American banks. To pay the interest on the debt, Greece had to get a loan from the European Central Bank and the IMF, which forced the country to impose ‘fiscal austerity’ measures as a condition for the loans, pressuring Greece to commit social genocide. Meanwhile, the major banks of America and Europe speculate against the Greek debt, further plunging the country into economic and social crisis. The loan is granted, to pay the interest, yet simply has the effect of adding to the overall debt, as a new loan is new debt. Thus, Greece is caught in the same debt trap that re-colonized the Third World.

At the recent G20 meeting in Toronto, the major nations of the world agreed to impose fiscal austerity – or in other words, commit social genocide – within their nations, in a veritable global structural adjustment program. So now we will see the beginnings of the Great Global Debt Depression, in which major western and global nations cut social spending, create mass unemployment by dismantling health, education, and social services. Further, state infrastructure – such as roads, bridges, airports, ports, railways, prisons, hospitals, electric transmission lines and water – will be privatized, so that global corporations and banks will own the entirely of national assets. Simultaneously, of course, taxes will be raised dramatically to levels never before seen. The BIS said that interest rates should rise at the same time, meaning that interest payments on debt will dramatically increase at both the national and individual level, forcing governments to turn to the IMF for loans – likely in the form of its new global reserve currency – to simply pay the interest, and will thus be absorbing more debt. Simultaneously, of course, the middle class will in effect have its debts called in, and since the middle class exists only as an illusion, the illusion will vanish.

Already, towns, cities, and states across America are resorting to drastic actions to reduce their debts, such as closing fire stations, scaling back trash collection, turning off street lights, ending bus services and public transportation, cutting back on library hours or closing them altogether, school districts cutting down the school day, week or year. Simultaneously, this is occurring with a dramatic increase in the rate of privatizations or “public-private partnerships” in which even libraries are being privatized.

No wonder then, that this month, the Managing Director of the IMF warned that America and Europe, in the midst of the worst jobs crisis since the Great Depression, face an “explosion of social unrest.” Just yesterday, Europe experienced a wave of mass protests and social unrest in opposition to ‘austerity measures’, with a general strike in Spain involving millions of people, and a march on the EU headquarters in Brussels of nearly 100,000 people. As social unrest spreads, governments will likely react – as we saw in the case of the G20 in Toronto – with oppressive police state measures. Here, we see the true relevance of the emergence of ‘Homeland Security States’, designed not to protect people from terrorists, but to protect the powerful from the people.

So while things have never seemed quite so bleak, there is a dim and growing beacon of hope, in what Zbigniew Brzezinski has termed as the greatest threat to elite interests everywhere – the ‘global political awakening’. The global political awakening is representative of the fact that for the first time in all of human history, mankind is politically awakened and stirring, activated and aware, and that generally – as Zbigniew Brzezinski explains – generally is aware of global inequalities, exploitation, and disrespect. This awakening is largely the result of the information revolution – thus revealing the contradictory nature of the globalization project – as while it globalizes power and oppression, so too does it globalize awareness and opposition. This awakening is the greatest threat to entrenched elite interests everywhere. The awakening, while having taken root in the global south – already long subjected to exploitation and devastation – is now stirring in the west, and will grow as the economy crumbles. As the middle classes realize their consumption was an illusion of wealth, they will seek answers and demand true change, not the Wall Street packaged ‘brand-name’ change of Obama Inc., but true, inspired, and empowering change.

In 1967, Martin Luther King delivered a speech in which he spoke out against the Vietnam War and the American empire, and he stated that, “It seems as if we are on the wrong side of a world revolution.” So now it seems to me that the time has come for that to change.

Andrew Gavin Marshall is a Research Associate with the Centre for Research on Globalization (CRG) .

poem by Ray Lucero
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Tom Zart's 52 Best Of The Rest America At War Poems

SONS AND DAUGHTERS OF WORLD WAR III

The White House
Washington
Tom Zart's Poems

March 16,2007
Ms. Lillian Cauldwell
President and Chief Executive Officer
Passionate Internet Voices Radio
Ann Arbor Michigan

Dear Lillian:
Number 41 passed on the CDs from Tom Zart. Thank you for thinking of me. I am thankful for your efforts to honor our brave military personnel and their families. America owes these courageous men and women a debt of gratitude, and I am honored to be the commander in chief of the greatest force for freedom in the history of the world.
Best Wishes.

Sincerely,

George W. Bush

SONS AND DAUGHTERS OF WORLD WAR III

Our sons and daughters serve in harm's way
To defend our way of life.
Some are students, some grandparents
Many a husband or wife.

They face great odds without complaint
Gambling life and limb for little pay.
So far away from all they love
Fight our soldiers for whom we pray.

The plotters and planners of America's doom
Pledge to murder and maim all they can.
From early childhood they are taught
To kill is to become a man.

They exploit their young as weapons of choice
Teaching in heaven, virgins will await.
Destroying lives along with their own
To learn of their falsehoods too late.

The fearful cry we must submit
And find a way to soothe them.
Where defenders worry if we stand down
The future for America is grim.

[...] Read more

poem by Tom Zart
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Trillion Million Trillion Million Wonders

the world has passed
a trillion million trillion
million of seconds

each second helps
the other crosses
the path of our mind
at equal interval, space
each a divine finger
holding and counting
his treasured creation

cogs creation ride on
each a good samaritan
to each other and us

every second is
unique as the next
because each is
one among
a trillion million trillion
million of seconds
like you, me and them

creation is
a trillion million
trillion million of wonders

beyond the earth
worlds within worlds
up there stars sparkle and smile
each a master of ceremony
ready to lit up and unveil
secretsthat infinity holds on to

poem by John Tiong Chunghoo
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The History Of Tomorrow

I want to tell you the history of tomorrow
It’s the history of how our leaders fulfilled a promise of light
By dumping us in the dark with pits everywhere

I want to tell you the history of tomorrow
It’s the history of how our leaders fulfilled a promise of food
By asking us to chop several fire-woods to heat up a pot full of stones

I want to tell you the history of tomorrow
It’s the history of how our leaders fulfilled a promise of job creation
By making us slaves on our own soil

I want to tell you the history of tomorrow
It’s the history of how our leaders fulfilled a promise of education
By dumping us in dilapidated buildings without teachers

I want to tell you the history of tomorrow
It’s the history of how our leaders fulfilled a promise of accountability
By looting our treasury and asking us for yet another term in office

I want to tell you the history of tomorrow
It’s the history of how our leaders fulfilled a promise of safety
By leaving pot holes large enough to swallow countless accident victims on our roads

I want to tell you the history of tomorrow
It’s the history of how our bows and arrows
Would secure our future

I want to tell you the history of tomorrow
It’s the history of a country, a country with countless heroes
It’s the history of a country, a country with countless robbers
Robbers with fame
Robbers without shame
Robbers that we would roast with flame

© Adegbenro Adekunle Jacob

Tomorrow’s history is today. All world leaders must make real democracy work. They must be selfless. We must not wait until there is horror and terror before we learn. Nigerian leaders must shun CORRUPTION.

poem by Adegbenro Adekunle
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Over Now

Good night...
Yeah, its over now, but I can breathe somehow
When its all worn out, Id rather go without
You know its been on my mind
Could you stand right there
Look me straight in the eye and say
That its over now
We pay our debt sometime
Well its over now, yet I can see somehow
When its all gone wrong, its hard to be so strong
You know its been on my mind
Could you stand right there
Look me straight in the eye and say
That its over now
We pay our debt sometime
Yeah, we pay our debt sometime
We pay our debt sometime
Yeah, we pay our debt sometime
Guess its over now, I seem alive somehow
When its out of sight, just wait and do your time
You know its been on my mind
Could I stand right here
Look myself in the eye and say
That its over now
We pay our debt sometime
Yeah, we pay our debt sometime
We pay our debt sometime
Yeah, we pay our debt sometime

song performed by Alice In Chains
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Heart-shaped Box

She eyes me like a pisces when I am weak
Ive been locked inside your heart-shaped box for weeks
Ive been drawn into your magnet tar pit trap
I wish I could eat your cancer when you turn back (alt: ... when you turn black)
Hey! wait!
Ive got a new complaint
Forever in debt to your priceless advice
Hey! wait! (alt: hate! haight!)
Ive got a new complaint
Forever in debt to your priceless advice
Hey! wait!
Ive got a new complaint
Forever in debt to your priceless advice
Your advice
Meat-eating orchids forgive no one just yet
Cut myself on angels hair and babys breath
Broken hymen of your highness Im left black
Throw down your umbilical noose so I can climb right back
Hey! wait!
Ive got a new complaint
Forever in debt to your priceless advice
Hey! wait!
Ive got a new complaint
Forever in debt to your priceless advice
Hey! wait!
Ive got a new complaint
Forever in debt to your priceless advice
Your advice
She eyes me like a pisces when I am weak
Ive been locked inside your heart-shaped box for weeks
Ive been drawn into your magnet tar pit trap
I wish I could eat your cancer when you turn back (alt: ... when you turn black)
Hey! wait!
Ive got a new complaint
Forever in debt to your priceless advice
Hey! wait!
Ive got a new complaint
Forever in debt to your priceless advice
Hey! wait!
Ive got a new complaint
Forever in debt to your priceless advice
Your advice (x3)

song performed by Nirvana
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Moses

To grace those lines wch next appear to sight,
The Pencil shone with more abated light,
Yet still ye pencil shone, ye lines were fair,
& awfull Moses stands recorded there.
Lett his repleat with flames & praise divine
Lett his the first-rememberd Song be mine.
Then rise my thought, & in thy Prophet find
What Joy shoud warm thee for ye work designd.
To that great act which raisd his heart repair,
& find a portion of his Spirit there.

A Nation helpless & unarmd I view,
Whom strong revengefull troops of warr pursue,
Seas Stop their flight, their camp must prove their grave.
Ah what can Save them? God alone can save.
Gods wondrous voice proclaims his high command,
He bids their Leader wave the sacred wand,
& where the billows flowd they flow no more,
A road lyes naked & they march it o're.
Safe may the Sons of Jacob travell through,
But why will Hardend Ægypt venture too?
Vain in thy rage to think the waters flee,
& rise like walls on either hand for thee.
The night comes on the Season for surprize,
Yet fear not Israel God directs thine eyes,
A fiery cloud I see thine Angel ride,
His Chariot is thy light & he thy guide.
The day comes on & half thy succours fail,
Yet fear not Israel God will still prevail,
I see thine Angel from before thee go,
To make the wheeles of ventrous Ægypt slow,
His rolling cloud inwraps its beams of light,
& what supplyd thy day prolongs their night.
At length the dangers of the deep are run,
The Further brink is past, the bank is won,
The Leader turns to view the foes behind,
Then waves his solemn wand within the wind.
O Nation freed by wonders cease thy fear,
& stand & see the Lords salvation here.

Ye tempests now from ev'ry corner fly,
& wildly rage in all my fancyd Sky.
Roll on ye waters as ye rolld before,
Ye billows of my fancyd ocean roar,
Dash high, ride foaming, mingle all ye main.
Tis don—& Pharaoh cant afflict again.
The work the wondrous work of Freedomes don,
The winds abate, the clouds restore ye Sun,
The wreck appears, the threatning army drownd
Floats ore ye waves to strow the Sandy ground.

[...] Read more

poem by Thomas Parnell
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Rhythm Nation

with music by our side
to break the color lines
let's work together
to improve our way of life
join voices in protest
to social injustice
ageneration full of courage
come forth with me

people of the world today
are we lookink for a better way of life(sing)
we are a part of the rhythm nation
people of the world unite
strength in numbers we can get it right(sing it)
we are a part of the rhythm nation

this is the test
no struggle no progress
lend a hand to help
your brother do his best
thinds are getting worse
we have to make them better
it's time to give a damn
let's work together...come on...

people of the world today
are we lookink for a better way of life(sing)
we are a part of the rhythm nation(people)
people of the world unite
strength in numbers we can get it right(sing it)
we are a part of the rhythm nation

people of the world today
are we lookink for a better way of life(sing it)
we are a part of the rhythm nation
people of the world unite
strength in numbers we can get it right
we are a part of the rhythm nation

say it people
say it to me
say it to me if you want a better way of life
say it people
say it to me
say it to me if you want a better way of life

people of the world today
are we lookink for a better way of life(sing)
we are a part of the rhythm nation
people of the world unite

[...] Read more

song performed by Janet Jackson from Rhythm Nation 1814
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State Of The Nation

You can walk, or you can run
You dont have to be someone
I went on a summer cruise
Upon an ocean born to lose
My brother said that he was dead
I saw his face and shook my head
Can you see where we cant be
Were losing our blood in the sea
cause its the state of the nation
Thats holding our salvation
Yes, its the state of the nation
Thats holding our salvation
Oh, the state of the nation
Is causing deprivation
Oh, the state of the nation
Is causing deprivation
From my home I traveled far
I drove in my stolen car
When it broke down, I kissed the ground
cause I dont kiss when youre around
I dont find that I have been
The portrait of an only son
If thats the case, then who could tell
Where my story had begun?
Cause its the state of the nation
Thats holding our salvation
Yes, its the state of the nation
Thats holding our salvation
Yes, the state of the nation
Thats causing deprivation
Oh, the state of the nation
Thats causing deprivation
Even now, Im all alone
Behind a wall thats made of stone
I think about where we have been
And all the sights that could be seen
I know it all could be worthwhile
If only I could force a smile
Now we turn our backs to the sea
The shame of a nation well never be
Cause its the state of the nation
Thats holding our salvation
Yes, its the state of the nation
Thats holding our salvation
Oh, the state of the nation
Is causing deprivation
Yes, the state of the nation
Is causing deprivation

song performed by New Order
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Towards a Corruption-free India

Cleanse the nation’s democracy;
Cleanse the nation’s bureaucracy;
Cleanse the nation’s polity;
Cleanse the nation’s authority.

Cleanse the nation’s systems’ machinery;
Cleanse the nation’s judiciary;
Cleanse the nation’s property;
Cleanse the nation’s ill-gotten money.

Let people’s power permeate the Parliament;
Let there be accountability of all citizens;
Let the poor and down-trodden be never ignored;
Let India become rejuvenated.

Bring back the wealth kept outside the land;
Enact laws for the welfare of the Motherland;
Act with responsibility and amity with all;
Console the aggrieved, comfort the dying.

Put the mighty nation on the road to progress;
This is no place for vices and evils of all kind;
Install a sense of security for all;
Infuse morality and patriotism.

Those voted to power must be clean;
Those in authority should not be mean;
Those in high office should not demean;
The future should belong to the youth and the teen.

Enough is enough, rethink on everything;
Corruption is the main issue to be curbed;
The law-makers should not be the worst law-breakers;
The law should serve the purpose it is meant for.

Let’s create a new India where peace prevails;
Let’s make our country prosperous;
Let’s work with zeal and honesty;
Let hearts be filled with sensibility and sensitivity.

The nation with a billion must forge ahead;
The nation should be truly independent;
The nation must regain its former glory;
The nation must be freed from corruption.

Thanks to Anna Hazare’s yeoman service and mighty efforts!
Copyright by Dr John Celes 20-08-11

poem by John Celes
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Social Insecurity

Strapped Seniors use credit cards ‘stead of cash
To stay afloat, after losing their stocks n’ bonds
Yet more victims of another Wall Street crash
“Let them eat cake” is what the Fed responds

ROTMS

From Reuters Article 10/23/2010
Retired and broke: Why retirees are declaring bankruptcy

For more and more seniors, retirement doesn’t mean a debt-free life of leisure. An increasing number of Americans aged 65 and older are declaring bankruptcy, according to a recent study by John Pottow, professor of law at the University of Michigan Law School.
Those aged 65 and older represented seven percent of bankruptcy filers in 2007, a mind-boggling jump from 1991. They are the “fastest-growing age demographic, ” according to Pottow’s study.
What’s the culprit for so much debt? Credit cards. Two-thirds of Americans who filed for bankruptcy said credit cards were the key reason for their financial problems, according to Pottow’s research. Besides having more credit card debt compared with younger bankruptcy filers,44.8 percent of those aged 65 and older also had more plastic in their wallets. “They’re using credit cards as a maladaptive coping mechanism, ” Pottow says.
Stephanie Osterland, a supervisor in the bankruptcy department at GreenPath debt solutions, sees an increasing number of seniors living beyond their means. Says Osterland: “They’re just trying to live off of a fixed income, and that’s usually Social Security. Maybe they have a small pension. We find they’ve used credit cards to supplement that income and expenses or they just end up getting into a lot of medical debt.”
In addition to escalating medical expenses, seniors have seen their portfolios hit hard by the lagging stock market. Carolyn Rodi of Saving Your American Dream says those considering bankruptcy should see a credit counselor at a non-profit organization to get their finances in order.
Credit counselors, such as those at GreenPath, help the elderly deal with a stressful situation. “We try to help them focus on what it’s going to look like” after they get out of debt, Osterland says.
Rodi also recommends that potential bankruptcy filers seek out pro-bono legal aid. “There are a lot of elderly people that are being taken advantage of by bankruptcy attorneys and mortgage brokers who are advising them improperly to pay for the bankruptcy, take out a reverse mortgage or to do things that aren’t in their best interest, ” she says. ”If you have no income, why should you borrow to pay someone when you can get free legal aid? ”
What are the chances of a senior paying off his or her debts? It’s difficult to determine, especially because seniors tend to be on a fixed income. And while finding a job — such as a WalMart greeter — seems like a viable option, it is not necessarily feasible for all seniors to work.
In addition, whether or not a person declares Chapter 7 (which involves the liquidation of one’s assets) or Chapter 13 (which allows debt restructuring) bankruptcy can be a significant factor in determining what one’s lifestyle will be. “If you have to file for Chapter 7 bankruptcy, you may be able to find affordable housing that allows you to just get by, ” says Rodi. “Chapter 13 lets you keep your house and doesn’t touch your retirement savings.”
Regardless, filing for bankruptcy is very stressful for anyone. “A lot of our clients in that post-retirement age have a hard time coming to grips with their situation, ” Osterland says. “It’s very emotional for them. We try to focus on the future and see if this debt can be lifted off their shoulders.”

poem by Ray Lucero
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Hudibras: Part 3 - Canto II

THE ARGUMENT

The Saints engage in fierce Contests
About their Carnal interests;
To share their sacrilegious Preys,
According to their Rates of Grace;
Their various Frenzies to reform,
When Cromwel left them in a Storm
Till, in th' Effigy of Rumps, the Rabble
Burns all their Grandees of the Cabal.

THE learned write, an insect breeze
Is but a mungrel prince of bees,
That falls before a storm on cows,
And stings the founders of his house;
From whose corrupted flesh that breed
Of vermin did at first proceed.
So e're the storm of war broke out,
Religion spawn'd a various rout
Of petulant Capricious sects,
The maggots of corrupted texts,
That first run all religion down,
And after ev'ry swarm its own.
For as the Persian Magi once
Upon their mothers got their sons,
That were incapable t' enjoy
That empire any other way;
So PRESBYTER begot the other
Upon the good old Cause, his mother,
Then bore then like the Devil's dam,
Whose son and husband are the same.
And yet no nat'ral tie of blood
Nor int'rest for the common good
Cou'd, when their profits interfer'd,
Get quarter for each other's beard.
For when they thriv'd, they never fadg'd,
But only by the ears engag'd:
Like dogs that snarl about a bone,
And play together when they've none,
As by their truest characters,
Their constant actions, plainly appears.
Rebellion now began, for lack
Of zeal and plunders to grow slack;
The Cause and covenant to lessen,
And Providence to b' out of season:
For now there was no more to purchase
O' th' King's Revenue, and the Churches,
But all divided, shar'd, and gone,
That us'd to urge the Brethren on;
Which forc'd the stubborn'st for the Cause,

[...] Read more

poem by Samuel Butler
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Civilization may.........

Civilizations may emerge fresh and vanish
Remains may be found later on but not finish
Excavations may shed some light on glorious past
There may be some reasons for its extinctions very fast

How does nation emerge with historical traditions?
Deep rooted love for holy land without condition
Every citizen ready to shed blood for its pride and honor
All to defend irrespective of old or young major or minor

Nation may remain within secured boundaries
It may have all the prosperity with big industries
Peace and stability may still elude the nation
Other neighbors may not like to have good relations

How can sentiments and attachments remain intact without identity?
Stable nation with strong defense is all call of the day and necessity
Nation can only prosper and rise with strong and resolute action
We the people of nation has every right to defend without any reaction

Can any nation prosper without popular support?
Is it not essential to live as one nation with good rapport?
Does then any nation may you look towards you for any weak spot?
I think they will refrain from any mad misadventure and dare not

It will be great shame if we have to live under constant fear
It will be living death if constantly agony and pain we have to bear
Nation will pass through identity crisis and suffer with humiliation
To live under shame may add insult and find no reconciliation

It is right said “don’t ask what country is doing for you”
But ask “what you are doing for the country”
It has deep meaning in it and quiet sensible thought behind
Any nation can’t afford to go without it and reasonably find

No nation can advance and have identity of its own
If it has no clear policy and stand clearly known
At least people of other nations may look toward with a respect
They will think twice before and enter into pact

Ancient civilizations were knows for its tolerance
“Live and let others live” was slogan free from any interfearence
This always formed corner stone of policy
Liberty and freedom were not the words from mighty

Liberal thoughts must prevail and message should go across
Let there be the free world with liberty thoughts and no threats to pose
No intimidation of any sort with mutual territorial integrity in tact
Let there be free flow of people to uphold the humanity in fact

poem by Hasmukh Amathalal
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Black History Month

In January...
There they are making history.
In February...
There they are making history.
In March...
There they are making history.
In April...
There they are making history.
In May...
There they are making history.
In June...
There they are making history.
In July...
There they are making history.
In August...
There they are making history.
In September...
There they are making history.
In October...
There they are making history.
In November...
There they are making history.
In December...
There they are making history.

But...
It's nice to know
The shortest month of the year
Was chosen to celebrate
The great deeds of African-Americans!
However...
It is those LEAP YEARS,
That really have the blacks jumping for joy!

Note: 'Black History Month' along with other
works of interest can be found in...

*'MindPrints from Untouched Places-VOL I'*
~Now available online at a PC near you~

poem by Lawrence S. Pertillar
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The White Cliffs

I
I have loved England, dearly and deeply,
Since that first morning, shining and pure,
The white cliffs of Dover I saw rising steeply
Out of the sea that once made her secure.
I had no thought then of husband or lover,
I was a traveller, the guest of a week;
Yet when they pointed 'the white cliffs of Dover',
Startled I found there were tears on my cheek.
I have loved England, and still as a stranger,
Here is my home and I still am alone.
Now in her hour of trial and danger,
Only the English are really her own.

II
It happened the first evening I was there.
Some one was giving a ball in Belgrave Square.
At Belgrave Square, that most Victorian spot.—
Lives there a novel-reader who has not
At some time wept for those delightful girls,
Daughters of dukes, prime ministers and earls,
In bonnets, berthas, bustles, buttoned basques,
Hiding behind their pure Victorian masks
Hearts just as hot - hotter perhaps than those
Whose owners now abandon hats and hose?
Who has not wept for Lady Joan or Jill
Loving against her noble parent's will
A handsome guardsman, who to her alarm
Feels her hand kissed behind a potted palm
At Lady Ivry's ball the dreadful night
Before his regiment goes off to fight;
And see him the next morning, in the park,
Complete in busbee, marching to embark.
I had read freely, even as a child,
Not only Meredith and Oscar Wilde
But many novels of an earlier day—
Ravenshoe, Can You Forgive Her?, Vivien Grey,
Ouida, The Duchess, Broughton's Red As a Rose,
Guy Livingstone, Whyte-Melville— Heaven knows
What others. Now, I thought, I was to see
Their habitat, though like the Miller of Dee,
I cared for none and no one cared for me.

III
A light blue carpet on the stair
And tall young footmen everywhere,
Tall young men with English faces
Standing rigidly in their places,
Rows and rows of them stiff and staid

[...] Read more

poem by Alice Duer Miller
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Justice & Independence 85

He was born on the fourth day of july
So his parents called him independence day
He married a girl named justice who gave birth
To a son called nation
Then she walked away
Independence he would daydream and hed pretend
That someday him and justice and nation would get together again
But justice held up in a shotgun shack
And she wouldnt let nobody in
So a nation cried
Chorus:
Oh oh
When a nation cries
His tears fall down like missiles from the skies
Justice look into independences eyes
Can you make everyrhing alright
Can you keep your nation warm tonight
Well nation grew up and got himself a reputation
Couldnt keep the boy at home no no
He just kept running round and round and round and round
Independence and justice well they felt so ashamed
When the nation fell down they argued who was to blame
Nation if youll just come home well have this family again
Oh nation dont cry
Chorus:
Oh oh
When a nation cries
His tears fall down like missiles from the skies
Justice look into independences eyes
Can you make everyrhing alright
Can you keep your nation warm tonight
Roll a rock across the country
Everbody come along
When youre feelin down yeah yeah
Just sing this song yeah yeah

song performed by John Mellencamp
Added by Lucian Velea
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Educate Woman

To educate a woman is to educate a nation
Do not deprive the woman of education
Do let her know what she is to mention
Wherever she goes throughout the nation

Let her use skill in estimation
Let her learn what is real; not hallucination
Give her a chance to get that that salutation
Which men do get because of education

A woman that has much education
Will teach her children motivation
She’ll train them to support the nation
They’ll always have the best of intention

Knowledge is essential in every institution
The family too needs education
The woman’s own is more to mention
Educated women save the nation

When a woman excels in education
That woman can then build a mansion
A real estate not imagination
All because of worthy education

Fellow women I need your attention
Let seeking for knowledge be your aspiration
Stick to it with all devotion
Absence of knowledge causes indignation

A woman too observes the nation
She knows what goes in and out in motion
For her to be accurate in observation
A woman needs some sort of intuition

Think of knowledge with deep emotion
Illiterates know nothing but mere illusion
A strong nation is built by education
Illiteracy burns and destroys a nation

A nation in a fatal situation
Needs educated men and women in combination
Support them in their various occupations
They’ll unite and be strong and build the nation

Illiterate women are easy preys for seduction
They live in houses of corruption
Making money quickly is their desperation
A rich man’s camp is their destination

[...] Read more

poem by Saudatu Kabir
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Roots Of Creation

One two three four!
Pull up here honey, if ya got a pussy and
Shake your ass like your ready to sing
Well, something muy high
Something muy low
When me ready limo then they follow me home like a
Roots of creation
I am living in a boring nation
I pull up my hands and I look at my feet
The reggae music make me sound so sweet
Cause we play it morning evening and all of the day
It's the sweet kinda music makes me feel O.K.
The roots of creation
Said I am living in a plastic nation
I pull up my hat
My coat is so wide
Sometimes, sometimes I feel so high
But all the time I feel airie
I feel airie when I'm down with the scene called
Roots of creation
I am living in a plastic nation
One more time!
Well, pull up here honey like you got limbo
Well pull up your fingers like you're ready to go
Give me
Give me something high
Give me something slow
Give me something I can use
Give me something I can know
Your the body and the mind one
Part of soul or two
I feel a different person to be a different place
I'm living in a different place
Sometime I feel although its fin
Pull up your style make it sound so fine
With ah
Pull up hands with me
Roots of creation
I am living in a boring nation
A pull up sound with Mike Happoldt at my left
I got Eric at my right
We rock the reggae music every day and night
We rock the reggae music say it's right on time
Cause you're down with the music that they call Sublime
I'm living in a different nation
Reggae style again!
Gonna win me back gonna feel so fine
Bring me down to the place so right
We rock the music so late at night
With a guitar pick in my hand

[...] Read more

song performed by Sublime
Added by Lucian Velea
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Makin History

Tonight theres a magic that I cant explain
Tune-up and start the show all set now ready to go
This bands gonna really rock tonight
Steppin out upon the stage
Under those lights again
Were gonna shake the place tonight
They gotta new song high in the charts you know
You must have heard them play it on the radio
When that flat top starts that picking
Hear the bass drum start that kicking
The joint is really jumpin now
Ooh mama its so exiting to feel
That tension rising when they turn the house lights down
Its a strange kinda magic that never seems to age
Makin history
Makin history
Adding a new leaf to the story that is rocknroll
Makin history
Makin history
Playing a new beat to the glory
That is rocknroll
Rock on
They gotta new song
High in the charts you know
You must have heard them play it on the radio
Hear the start and the jumbo gibson
You dont know what youre missing if youre not
Painting the town tonight
Ooh mama its so exiting to feel
That tension rising when they turn the house lights down
Makin history
Makin history
Adding a new leaf to the story that is rocknroll
Makin history
Makin history
Playing a new beat to the glory
That is rocknroll
Makin history
Makin history
Adding a new leaf to the story that is rocknroll
Makin history
Makin history
Playing a new beat to the glory that is rocknroll
Mama its so exiting-oh oh
Dont you find the beat exiting

song performed by Cliff Richard
Added by Lucian Velea
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The History of Now

The recording of culture is history;
but our culture is more than that.
It's the world of human action,
and the myths we make of the fact.

The recording of history is culture,
but our history is more than that.
It informs a hidden agenda.
Unconscious of motive we act.

It's the history of now, the history of now.
It's only the present that exists as endowed.
It's the history of now. The moment - KAPOW!
That knocks you right over and muddies your brow.

Through the prism of language, we know what we know.
We carry our baggage and stories of woe.
Victor and vanquished pride cannot budge,
the dead weight of hatred and ancestral grudge.

We fight our good fights with our hand on our heart;
the music is swelling as loved ones depart.
As sheep to the slaughter, the script cannot chart,
a course more ignoble: the propagandist's art.

The recording of history is culture,
but our culture is more than that.
More than the great individuals,
the scholars so love in their tracts.

The recording of culture is history;
but our history is more than that.
Not simple dates or statistics,
the full horror and gore still attracts.

It's the history of now, the history of now.
A strange contradiction that makes sense somehow.
It's the history of now, a mystery and shroud.
The past and the future: best fiction allowed.

poem by David SmithWhite
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