Big Brother Loves You

Miss a Payment? Good Luck Moving That Car

The thermometer showed a 103.5-degree fever, and her 10-year-old’s asthma was flaring up. Mary Bolender, who lives in Las Vegas, needed to get her daughter to an emergency room, but her 2005 Chrysler van would not start.

The cause was not a mechanical problem — it was her lender.

Ms. Bolender was three days behind on her monthly car payment. Her lender, C.A.G. Acceptance of Mesa, Ariz., remotely activated a device in her car’s dashboard that prevented her car from starting. Before she could get back on the road, she had to pay more than $389, money she did not have that morning in March.

“I felt absolutely helpless,” said Ms. Bolender, a single mother who stopped working to care for her daughter. It was not the only time this happened: Her car was shut down that March, once in April and again in June.

This new technology is bringing auto loans — and Wall Street’s version of Big Brother — into the lives of people with credit scores battered by the financial downturn.

Maybe now they’ll get the idea even more Big Brother (government or companies) is not a good thing. I wonder when ObamaCare will adopt this? Or Maybe your Electric Company? or even Momma Obama and her Food Police?

I know! If you use too much gas and don’t have a required level of “carbon footprint” you’re tech shuts down until you learn to be a better citizen of the planet! 🙂

Naw, they’ll just expect government to “save” them from the big, bad corporations, after all this was in the The New York Times. I’m sure this was a “big bad corporate” story and I read more into it that the normal idiot on the street worried about “Dancing With The Stars”. After all, personal responsibility has no place in 21st Century America and the answer to everything is government intervention…

But Obama makes the economy, and keeps it, bad and people vote for him. So you made your bed…

Auto loans to borrowers considered subprime, those with credit scores at or below 640, have spiked in the last five years. The jump has been driven in large part by the demand among investors for securities backed by the loans, which offer high returns at a time of low interest rates. Roughly 25 percent of all new auto loans made last year were subprime, and the volume of subprime auto loans reached more than $145 billion in the first three months of this year.

Just like the housing market. Boy, when this subprime crashes, it could really CRASH

But before they can drive off the lot, many subprime borrowers like Ms. Bolender must have their car outfitted with a so-called starter interrupt device, which allows lenders to remotely disable the ignition. Using the GPS technology on the devices, the lenders can also track the cars’ location and movements.

Big Brother is watching you. But ObamaCare is ok… 🙂

The devices, which have been installed in about two million vehicles, are helping feed the subprime boom by enabling more high-risk borrowers to get loans. But there is a big catch. By simply clicking a mouse or tapping a smartphone, lenders retain the ultimate control. Borrowers must stay current with their payments, or lose access to their vehicle.

Sound like the Housing crash, 10 years prior to the crash? 🙂

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Credit

“I have disabled a car while I was shopping at Walmart,” said Lionel M. Vead Jr., the head of collections at First Castle Federal Credit Union in Covington, La. Roughly 30 percent of customers with an auto loan at the credit union have starter interrupt devices.

Now used in about one-quarter of subprime auto loans nationwide, the devices are reshaping the dynamics of auto lending by making timely payments as vital to driving a car as gasoline.

Seizing on such technological advances, lenders are reaching deeper and deeper into the ranks of Americans on the financial margins, with interest rates on some of the loans exceeding 29 percent. Concerns raised by regulators and some rating firms about loose lending standards have disturbing echoes of the subprime-mortgage crisis.

ECHO ECHO ECHO!!! Now pinch hitting for Pedro Borbone…Manny Mota! 🙂

When in Debt, Spend even more! The Obama Mantra!

As the ignition devices proliferate, so have complaints from troubled borrowers, many of whom are finding that credit comes at a steep price to their privacy and, at times, their dignity, according to interviews with state and federal regulators, borrowers and consumer lawyers.

Welcome to Big Brother land. The land where your overseers are everywhere and know everything at all times. But not to worry, The IRS and The NSA are there to save you… 🙂

Some borrowers say their cars were disabled when they were only a few days behind on their payments, leaving them stranded in dangerous neighborhoods. Others said their cars were shut down while idling at stoplights. Some described how they could not take their children to school or to doctor’s appointments. One woman in Nevada said her car was shut down while she was driving on the freeway.

Beyond the ability to disable a vehicle, the devices have tracking capabilities that allow lenders and others to know the movements of borrowers, a major concern for privacy advocates. And the warnings the devices emit — beeps that become more persistent as the due date for the loan payment approaches — are seen by some borrowers as more degrading than helpful.

I wonder when there Air Conditioner/Heater in their house starts beeping because the EPA  doesn’t like you “wasting” energy will they get it?

Oh, that’s right, The EPA Hates fossil fuels to begin with. Problem solved! 🙂

“No middle-class person would ever be hounded for being a day late,” said Robert Swearingen, a lawyer with Legal Services of Eastern Missouri, in St. Louis. “But for poor people, there is a debt collector right there in the car with them.”

So No Democrat has seized on this one yet? They love a good “corporate exploitation”
while they promote Government exploitation! 🙂

Lenders and manufacturers of the technology say borrowers consent to having these devices installed in their cars. And without them, they say, millions of Americans might not qualify for a car loan at all.

Just like the houses in the 1990s.

A Virtual Repo Man

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"I have disabled a car while I was shopping at Walmart," said Lionel M. Vead Jr., the head of collections at First Castle Credit Union in Covington, La., who said that starter interrupt devices and GPS tracking technology had made his job easier.
“I have disabled a car while I was shopping at Walmart,” said Lionel M. Vead Jr., the head of collections at First Castle Credit Union in Covington, La., who said that starter interrupt devices and GPS tracking technology had made his job easier.Credit Cheryl Gerber for The New York Times

From his office outside New Orleans, Mr. Vead can monitor the movements of about 880 subprime borrowers on a computerized map that shows the location of their cars with a red marker. Mr. Vead can spot drivers who have fallen behind on their payments and remotely disable their vehicles on his computer or mobile phone.

The devices are reshaping how people like Mr. Vead collect on debts. He can quickly locate the collateral without relying on a repo man to hunt down delinquent borrowers.

Gone are the days when Mr. Vead, a debt collector for nearly 20 years, had to hire someone to scour neighborhoods for cars belonging to delinquent borrowers. Sometimes locating one could take years. Now, within minutes of a car’s ignition being disabled, Mr. Vead said, the borrower calls him offering to pay.

“It gets their attention,” he said.

Mr. Vead, who has a coffee cup that reads “The GPS Man,” has been encouraging other credit unions to use the technology. And the devices — one version was first used to help pet owners keep track of their animals — are catching on with a range of subprime auto lenders, including companies backed by private equity firms and credit unions.

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Using his computer or cellphone, Mr. Vead can monitor the movements of about 880 subprime borrowers, and if they are late in making a payment, he can disable their vehicles.
Using his computer or cellphone, Mr. Vead can monitor the movements of about 880 subprime borrowers, and if they are late in making a payment, he can disable their vehicles.Credit Cheryl Gerber for The New York Times

Mr. Vead says that first, he tries reaching a delinquent borrower on the phone or in person. Then, only after at least 30 days of missed payments, he typically shuts down cars when they are parked at the borrower’s house or workplace. If there is an emergency, he says, he will turn a car back on.

None of the borrowers or consumer lawyers interviewed by The New York Times raised concerns about the way Mr. Vead’s credit union uses the devices. But other lenders, they said, were not as considerate, marooning drivers in far-flung places and often giving no advance notice of a shut-off. Lenders say that they exercise caution when disabling vehicles and that the devices enable them to extend more credit.

Without the use of such devices, said John Pena, general manager of C.A.G. Acceptance, “we would be unable to extend loans because of the high-risk nature of the loans.”

But then their new cash cow would dry up, just like the housing market…

The growth in the subprime market has been good for the devices’ manufacturers. At Lender Systems of Temecula, Calif., which sells a range of starter interrupt devices, revenue has more than doubled so far this year, buoyed by an influx of new credit union customers, said David Sailors, the company’s executive vice president.

Mr. Sailors noted that GPS tracking on his company’s devices could be turned on only when borrowers were in default — a policy, he said, that has cost it business.

The devices, manufacturers say, are selling well because they are proving effective in coaxing payments from even the most troubled borrowers.

I wonder if Michelle Obama could get this for Grocery Carts or Cash Registers? Instead of nagging you not to buy that Cheesecake it simply won’t let you buy it!!

Imagine that as a way to make “fat” people do what Momma Obama Wants! 🙂

A leading device maker, PassTime of Littleton, Colo., says its technology has reduced late payments to roughly 7 percent from nearly 29 percent. Spireon, which offers a GPS device called the Talon, has a tool on its website where lenders can calculate their return on capital.

Fears of SurveillanceCredit

While the devices make life easier for lenders, their ability to track drivers’ movements has struck a nerve with a number of borrowers and some government authorities, who say they are a particularly troubling example of personal-data gathering and surveillance.

At its extreme, consumer lawyers say, such surveillance can compromise borrowers’ safety. In Austin, Tex., a large subprime lender used a device to track down and repossess the car of a woman who had fled to a shelter to escape her abusive husband, said her lawyer, Amy Clark Kleinpeter.

The move to the shelter violated a clause in her auto loan contract that restricted her from driving outside a four-county radius, and that prompted the lender to send a tow truck to take back the vehicle. If the lender could so easily locate the client, Ms. Kleinpeter said, what was stopping her husband?

BIG BROTHER IS WATCHING YOU. Say is that a drone outside your window, or just the IRS?  🙂

“She was terrified her husband would be able to find out where she was from the tow truck company,” said Ms. Kleinpeter, a consumer lawyer in Austin, who said a growing number of her clients had the devices installed in their cars.

Lenders and manufacturers emphasize that they have strict guidelines in place to protect drivers’ information. The GPS devices, they say, are predominantly intended to help lenders and car dealerships locate a car if they need to repossess it, not to put borrowers under surveillance.

Spireon says it can help lenders identify signs of trouble by analyzing data on a borrower’s behavior. Lenders using Spireon’s software can create “geo-fences” that alert them if borrowers are no longer traveling to their regular place of employment — a development that could affect a person’s ability to repay the loan.

A Spireon spokeswoman said the company takes privacy seriously and works to ensure that it complies with all state regulations.

Corinne Kirkendall, vice president for compliance and public relations for PassTime, which has sold 1.5 million devices worldwide, says the company also calls lenders “if we see an excessive use” of the tracking device.

Even though the device made her squeamish, Michelle Fahy of Jacksonville, Fla., agreed to have one installed in her 2001 Dodge Ram because she needed the pickup truck for her job delivering pizza.

Shortly after picking up her four children from school one afternoon in January, Ms. Fahy, 42, said she pulled into a gas station to fill up. But when she tried to restart the truck, she was not able to do so.

Then she looked at her cellphone and noticed a string of missed calls from her lender. She called back and asked, “Did you just shut down my truck?” and the response was “Yes, I did.”

To get her truck restarted, Ms. Fahy had to agree to pay the $255.99 she owed. As she pleaded for more time, her children grew confused and worried. “They were in panic mode,” she said. Finally, she said she would pay, and within minutes she was able to start her engine.

Borrowers are typically provided with codes that are supposed to restart the vehicle for 24 hours in case of an emergency. But some drivers say the codes fail. Others say they are given only one code a month, even though their cars are shut down more often.

Some drivers take matters into their own hands. Homemade videos on the Internet teach borrowers how to disable their devices, and Spireon has started selling lenders a fake GPS device called the Decoy, which is meant to trick borrowers into thinking they have removed the actual tracking system, which is installed along with the Decoy.

The War Begins…

Oscar Fabela Jr., who said his 2007 Dodge Magnum was routinely shut down even when he was current on his $362 monthly car payment, discovered a way to circumvent the system.

That trick came in handy when he returned from seeing a movie with a date, only to find his car would not start and the payment reminder was screaming like a burglar alarm.

“It sounded like I was breaking into my own car,” said Mr. Fabela, 26, who works at a phone company in San Antonio.

While his date turned the ignition switch, Mr. Fabela used a screwdriver to rig the starter, allowing him to bypass the starter interruption device.

Mr. Fabela’s car eventually started, but it was their only date.

“It didn’t end well,” he said.

Government Scrutiny

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"I felt like even though I made my payments and was never late under my contract, these people could do whatever they wanted," said T. Candice Smith, who testified before the Nevada Legislature that her car, which had a starter interrupt device installed, was shut down while she was driving on a Las Vegas freeway, nearly causing her to crash.
“I felt like even though I made my payments and was never late under my contract, these people could do whatever they wanted,” said T. Candice Smith, who testified before the Nevada Legislature that her car, which had a starter interrupt device installed, was shut down while she was driving on a Las Vegas freeway, nearly causing her to crash.Credit John Gurzinski for The New York Times

Across the country, state and federal authorities are grappling with how to regulate the new technology.

Consumer lawyers, including dozens whose clients’ cars have been shut down, argue that the devices amount to “electronic repossession” and their use should be governed by state laws, which outline how much time borrowers have before their cars can be seized.

State laws governing repossession typically prevent lenders from seizing cars until the borrowers are in default, which often means that they have not made their payments for at least 30 days.

The devices, lawyers for borrowers argue, violate those laws because they may effectively repossess the car only days after a missed payment. Payment records show that Ms. Bolender, the Las Vegas mother with the sick daughter, was not in default in any of the four instances her ignition was disabled this year.

PassTime and the other manufacturers say they ensure that their devices comply with state laws. C.A.G. declined to comment on Ms. Bolender’s experiences.

State regulators are also examining whether a defective device could endanger the borrowers or other drivers on the road, according to people with knowledge of the matter who spoke on the condition of anonymity.

Last year, Nevada’s Legislature heard testimony from T. Candice Smith, 31, who said she thought she was going to die when her car suddenly shut down, sending her careening across a three-lane Las Vegas highway.

“It was horrifying,” she recalled.

Ms. Smith said that her lender, C.A.G. Acceptance, had remotely activated her ignition interruption device.

“It’s a safety hazard for the driver and for all others on the road,” said her lawyer, Sophia A. Medina, with the Legal Aid Center of Southern Nevada.

Mr. Pena of C.A.G. Acceptance said, “It is impossible to cause a vehicle to shut off while it is operating,” He added, “We take extra precautions to try and work with and be professional with our customers.” While PassTime, the device’s maker, declined to comment on Ms. Smith’s case, the company emphasized that its products were designed to prevent a car from starting, not to shut it down while it was in operation.

“PassTime has no recognition of our devices shutting off a customer while driving,” Ms. Kirkendall of PassTime said.

In her testimony, Ms. Smith, who reached a confidential settlement with C.A.G., said the device made her feel helpless.

“I felt like even though I made my payments and was never late under my contract, these people could do whatever they wanted,” she testified, “and there was nothing I could do to stop them.”

But you want Big Brother,especially King Obama, to fix it!

Hilarious! 🙂

Political Cartoons by Bob Gorrell

Political Cartoons by Michael Ramirez
Political Cartoons by Dana Summers

But I Can’t Stop Now!

Michael Ramirez Cartoon

“At one point several weeks ago,” Boehner told the Wall Street Journal, “the president said to me, ‘We don’t have a spending problem.'”

That would be news to Obama’s debt commission, which in its final report made clear that spending is the driving force behind the nation’s debt crisis.

Here’s what the report said: “Even after the economy recovers, federal spending is projected to increase faster than revenues, so the government will have to continue borrowing money to spend.”

The panel added, “Over the long run, as the baby boomers retire and health care costs continue to grow, the situation will become far worse.”

And it recommended: “We should cut all excess spending — including defense, domestic programs, entitlement spending, and spending in the tax code.” (IBD)

But the Hard Core leftist meme seems to be that we can’t not pay the bills we already have so let’s ignore the spending problem.
That’s like saying I’m a shop-alcholic and I spend $3000 day (but take in a 300) and puts $10,000 on the credit card and then says “but I can’t stop now because I have bills to pay!!!”
It’s not rational.
So what we get is irrational partisan, protect-the-party at all costs, screw everyone else.
Political Cartoons by Gary Varvel

By 2022, federal revenues will top 19% of GDP, which is significantly higher than the post-World War II average. But spending will exceed 22%, and keep climbing.

Meanwhile, a Government Accountability Office report concluded that spending is “on an unsustainable long-term fiscal path” and blamed entitlements.

And countless Congressional Budget Office reports have documented how, left unchecked, federal entitlement programs will soon swamp the entire budget.

Apparently Obama didn’t read any of those, either.

When it comes to federal spending, Obama is like the alcoholic who says that the only drinking problem he has is when he can’t get a drink.

And we all drown in debt because of it.
The Following is from The American Academy of Child and Adolescent Psychiatry about children of alcoholics.

A child being raised by a parent or caregiver who is suffering from alcohol abuse may have a variety of conflicting emotions that need to be addressed in order to avoid future problems. They are in a difficult position because they cannot go to their own parents for support. Some of the feelings can include the following:

  • Guilt. The child may see himself or herself as the main cause of the mother’s or father’s drinking.
  • Anxiety.  The child may worry constantly about the situation at home.  He or she may fear the alcoholic parent will become sick or injured, and may also fear fights and violence between the parents.
  • Embarrassment.  Parents may give the child the message that there is a terrible secret at home.  The ashamed child does not invite friends home and is afraid to ask anyone for help.
  • Inability to have close relationships.  Because the child has been disappointed by the drinking parent many times, he or she often does not trust others.
  • Confusion.  The alcoholic parent will change suddenly from being loving to angry, regardless of the child’s behavior.  A  regular daily schedule, which is very important for a child, does not exist because bedtimes and mealtimes are constantly changing.
  • Anger.  The child feels anger at the alcoholic parent for drinking, and may be angry at the non-alcoholic parent for lack of support and protection.
  • Depression.  The child feels lonely and helpless to change the situation.

Although the child tries to keep the alcoholism a secret, teachers, relatives, other adults, or friends may sense that something is wrong.  Teachers and caregivers should be aware that the following behaviors may signal a drinking or other problem at home:

  • Failure in school; truancy
  • Lack of friends; withdrawal from classmates
  • Delinquent behavior, such as stealing or violence
  • Frequent physical complaints, such as headaches or stomachaches
  • Abuse of drugs or alcohol; or
  • Aggression towards other children
  • Risk taking behaviors
  • Depression or suicidal thoughts or behavior

Now consider the denial by the left of the problem, the hatred they spew for anyone even mentioning it and wanting to “fix it”. The Guilt trips, the bribes, the fear, the anxiety of yet another Crisis that doesn’t go to waste.

Fear, Guilt, Intimidation, Anger, Irrational Behavior, Denial…sound familiar?

Even though, not all children of alcoholic parents are adversely affected. An overwhelming number of evidence has shown that alcohol dependence runs in families. So, children of alcoholic parents can often time find themselves following in their parents’ footsteps

The one who don’t of course are ridiculed as “morons” “stupid” “violent” “racist” “neo-con” “baggers”  and you don’t want to be one of those now do you! 🙂

So like most authoritarian dictators you educate them young into your ways before they know it, they are drug addicts just like you.

Welcome to the 21st Century drunk on the power of money and the power that money brings. And all we want is another drink…

And what we really need is an Adult Intervention because we are dying of alcohol poisoning and our kids are drowning because of it.

Political Cartoons by Robert Ariail

Political Cartoons by Eric Allie

 Political Cartoons by Steve Breen

Political Cartoons by Steve Breen

The Addicts In Charge of The Asylum

When it comes to serious, lasting budget constraints, our leaders in Washington have the escape talents of Houdini. The ominous approach of the fiscal cliff put Democrats in a position to extract a lot more revenue and Republicans to force real spending cuts. That prospect drove the two sides to agree that the only reasonable option was neither.

And you know it was a purely political decision made by addicts when you consider the following:

Statement 1: The Payroll Tax was increase 50% by the deal.

Statement 2: The Payroll Tax is the same as it was 2 years ago.

Both statement are ABSOLUTELY 100% Truth.

That’s how you know it was political decision and not an economic one and as a political decision the addicts put it right down the yellow line in the middle of the road so that no one got hit by political “fallout” cars and no one did anything of actual substance but everyone looked like they did and made the other guy look bad.

They looked like they did something good, but in reality it wasn’t. But they can both hide the facts behind baffling BS and the fact that the majority of the nation is now made up of the ill-formed, the mal-informed, and the just plain I-don’t -wanna-know -and-I-don’t cares.

A perfect solution. 🙂

They fixed the budget the same way they always fix it: wrapping it up with a big red bow and shipping it to the taxpayers of the future. As Robert Bixby of the fiscal watchdog group The Concord Coalition puts it, the deal “requires no hard choices and solves no difficult problems.” It neatly postpones that painful, necessary work till another day, when we can expect it to be postponed again.

This is what happens when the drug addict is in charge of his own intervention.

Nothing. But it sounds like progress because the addict said so.

Over the next decade, says CRFB, the U.S. government debt was on track to reach a staggering 81.5 percent of GDP, up from 72.8 percent today. Thanks to this noble display of statesmanship, it may hit only 78.9 percent.

Wow! That’s progress. I’m prevented 3.6% of my rising addiction today so that  I am less addicted than I would have been. See, that’s progress! 🙂

Call it an “addiction cut” because politicians these days always call a lessening of an increase “a cut”.

It’s like the smoker line “I quit smoking every time I  have one”.

What we got instead was not a grand bargain. It was an exercise in evasion. That is no accident. The reason we got into the current fiscal pit is that politicians follow the path of least resistance. They prefer not to antagonize constituents by trimming back benefits that are widely cherished (That they created so people would vote for them- read: bribe). But they also know better than to compel taxpayers to cover the entire cost of those programs (because making them pay the real cost would get them tossed out). So spending mushrooms, tax revenues lag behind, and the debt soars.

And it’s SEP, Somebody Else’s Problem.

So here’s the payoff for weeks of fear and anguish about the looming fiscal cliff: higher taxes, higher spending and a bigger debt. Funny how that worked out. (Steve Chapman)

Especially, when the addicts are in charge of the asylum.

Nancy Pelosi: “You’re going to say, ‘I’m not going to pay my bills unless you stop buying stuff?’ Well, then stop buying stuff so you don’t have future bills. But right now we to pay the bills that have been incurred. And if you want to say cut spending for what we do next, fine. But don’t tie it to the debt ceiling.

The flaw in that slaw is that the Democrat addicts won’t stop spending. That part was missing from this equation.

Pelosi’s solution to the impasse is for the president to — as some scholars have proposed — bypass Congress and invoke the 14th Amendment, which states that “[t]he validity of the public debt … shall not be questioned.”

Shut up, sit down, and F*ck off! You are not allowed to question us. We are the government and we do whatever we want, whenever we want, because we are the government and we can do it just because we are.  :)-
We can do, or not do, anything we like and you just have to shut up and sit down.
But she finished off by saying it was less Partisan when she was Speaker.
Addiction is a ugly thing.
The National Debt of this writing: $16,433,283,000,000
December 31st, 2012- a mere week ago: $16,329,089,300,000
$104 Billion dollars in new debt.
But don’t worry we don’t have a spending problem, we have a Spending Addicts problem! 🙂
A Country is a terrible thing to waste.

Political Cartoons by Glenn Foden

Welcome to the Dawn of 2013- Lies & SEP

Have you ever asked yourself why the people who want to actually cut spending (not just “cut” the rate of growth and call it a “cut”) and want to actually cut the size and scope of government intervention in our lives are portrayed as violent, ignorant, and/or extremists??

I do. Every day.

And I still think it comes down to drug addiction. But it goes deeper.

The people are addicted to the “free” stuff that isn’t free. And politicians are addicted to themselves and their own power. The Politicians are the dealers. The people are the enablers and the addicts buying from the dealers. And the Dealers are addicts to selling the drugs.

So they are incestuously addicted to each other.

The politicians keep giving the people “free” drugs – entitlements, class warfare, etc. and the people keep electing people who will give it to them.

And the sane ones who say that we have to stop this behavior are hated by everyone. The responsible one in the room is the last person anyone wants to listen to.

The Republicans aren’t happy with the Tea Party. Happy they got elected in 2010. But not happy that they keep getting reminded why they were elected which goes against this grain. And they aren’t prepared to fight the fight that is required to stop or wean off the addiction because they are in fact, addicts themselves.

And the Democrats and the Media that portray anyone who isn’t on board with them as “extremists” , “obstructionists”, “unfair”, “racists”, none more than the “domestic terrorists” known as The Tea Party.

Not loved by anyone.

Funny that.

Because in the end we will be forced to grow up. The longer we wait the harder and more painful it will be for us and for the future.

The Truth will come. That’s inevitable. It WILL come regardless. It is the real wolf at the door.

But like a petulant child, we refuse.

We want our candy and presents. We want Santa Claus/Obama Claus to come along and bring all of us more toys and tell us it was mean old Scrooge’s fault and that the Tea Party is the Grinch who wants to steal their Christmas.

The People of Whoville don’t want to know the truth.

There is is no joy in Whoville when it comes to the Truth about The Debt, The Deficit, Entitlements, Taxes, and Foreign Policy Threats like Al-Qaeda.

The People of Whoville want to be told sweet little lies because the Truth is too much too bear. And they are at fault and they can’t face it.

The Political Class just see an opportunity to use this to gain more power for themselves. But it’s a trap too.

Now they are addicted to lying. They can’t tell the truth anymore. And anyone who tries will be summarily crushed.

Divide and Conquer has no softer side. Authoritarians have non softer side.

And they are addicted to the power to control everyone and everything. The authoritarian modern liberal more so than the weak Republicans.

So the politicians are addicted to the power money brings them and the people are addicted to the money the government brings them.

What  a viciously incestuous cycle.

And the sane ones who want this to stop are the bad guys.

Well, a drug intervention is never anything but messy.

But 315 million addicts is a lot of messy.

The addict’s judgment is clouded due to their substance of abuse making it tough for them to see or think clearly.

And the Ministry of Truth is there to feed them sweet lies and to calm their fears. 🙂

That’s the Comfort Zone.

(with apologies to Fleetwood Mac)

Tell me lies, tell me sweet little lies
(Tell me lies, tell me, tell me lies)
Oh, no, no you can disguise
(We want you to disguise, you can disguise)
Tell me lies, tell me sweet little lies

Although I’m not making plans
I hope that you understand
There’s a reason why
Close your, close your, close your eyes…

But I couldn’t find a way
So I’ll settle for one day
To believe in you
Tell me, tell me, tell me lies

Tell me lies, tell me sweet little lies

It’s someone elses’ fault other than our own and we don’t want to take the medicine to get it better.

Somebody Else’s Problem (also known as Someone Else’s Problem or SEP) is a condition where individuals/populations of individuals choose to decentralize themselves from an issue that may be in critical need of recognition. Such issues may be of large concern to the population as a whole but can easily be a choice of ignorance at an individualistic level. Author Douglas Adams‘ description of the condition, which he ascribes to a physical “SEP field,” has helped make it a generally recognized phenomenon.

Where multiple individuals simultaneously experience the same stimulus, diffusion of responsibility and/or the bystander effect may release individuals from the need to act, and if no-one from the group is seen to act, each individual may be further inhibited by conformity.

“Somebody Else’s Problem”, an effectively-magical field that obscures things you think aren’t relevant to you, such that even though you see them (or hear them or read them) you don’t actually *notice*, and quickly forget.

More generally, the phenomenon that causes people to ignore issues that they know about but think of as either not something they can do anything about, or not personally relevant to them right now. This can result in something that’s very important to a group of people being ignored by every individual member of that group.

Popularized by Douglas Adams in the “Hitchhikers Guide to the Galaxy” series, in which Ford Prefect describes it as:

“An SEP is something we can’t see, or don’t see, or our brain doesn’t let us see, because we think that it’s somebody else’s problem…. The brain just edits it out, it’s like a blind spot. If you look at it directly you won’t see it unless you know precisely what it is. Your only hope is to catch it by surprise out of the corner of your eye.”

When individuals are exposed to a multitude of messages about pressing matters of concern- information overload (now also known as Information Fatigue Syndrome) may be a result.

In Joseph Ruff’s article “Information Overload: Causes, Symptoms and Solutions” Ruff states, “Once capacity is surpassed additional information becomes noise and results in a decrease in information processing and decision quality”.

The 24/7/365 News cycle anyone? 🙂

The virulent “I don’t wanna know” reaction , mixed with deeply cynical fear and racist power politics equals the 2012 election anyone?

Vote for Me, the Other Guy’s asshole!!! It’s HIS Fault!!

And the Politicians and The Ministry of Truth can herd these willfully ignorant sheep to use to satisfy their own addictions.

Thus the cycle continues.

There may also be a tendency to argue that since a proposed solution does not fit a problem entirely then the entire solution should be discarded. This is an example of a perfect solution fallacy. “This fallacy is often employed by those who believe no action should be taken on a particular issue and use the fallacy to argue against any proposed action”.

The nirvana fallacy is the informal fallacy of comparing actual things with unrealistic, idealized alternatives. It can also refer to the tendency to assume that there is a perfect solution to a particular problem. A closely related concept is the perfect solution fallacy.

By creating a false dichotomy that presents one option which is obviously advantageous—while at the same time being completely implausible—a person using the nirvana fallacy can attack any opposing idea because it is imperfect. The choice is not between real world solutions and utopia; it is, rather, a choice between one realistic possibility and another which is merely better.

The perfect solution fallacy is an informal fallacy that occurs when an argument assumes that a perfect solution exists and/or that a solution should be rejected because some part of the problem would still exist after it were implemented.

It’s Not “fair”!  🙂

It is common for arguments which commit this fallacy to omit any specifics about exactly how, or how badly, a proposed solution is claimed to fall short of acceptability, expressing the rejection in vague terms only. Alternatively, it may be combined with the fallacy of misleading vividness, when a specific example of a solution’s failure is described in emotionally powerful detail but base rates are ignored.

Misleading vividness is a term that can be applied to anecdotal evidence[1] describing an occurrence, even if it is an exceptional occurrence, with sufficient detail to permit hasty generalizations about the occurrence (e.g., to convince someone that the occurrence is a widespread problem). Although misleading vividness does little to support an argument logically, it can have a very strong psychological effect because of a cognitive heuristic called the availability heuristic.

The availability heuristic is a mental shortcut that occurs when people make judgments about the probability of events by the ease with which examples come to mind. The availability heuristic operates on the notion that, “if you can think of it, it must be important.” The availability of consequences associated with an action is positively related to perceptions of the magnitude of the consequences of that action. In other words, the easier it is to recall the consequences of something, the greater we perceive these consequences to be.

Short circuit logic with emotion and keep it simplistic. Sound like Obama and the Democrats?

Never let a Crisis Go to Waste! 

Create new ones daily. Crisis Mode prevents a lot of actual critical thinking.

And the anti-nirvana heuristic solution  is to do something substantive and real. Hence, The Tea Party is against nirvana, utopia, mom and apple pie so they are the ultimate evil and must be destroyed. 🙂

The ones who truly want people to face the truth and fix the problem are seen as the problem. 😮

Welcome to the dawn of 2013 where doing the responsible thing makes you the Grinch, the enemy, the bad guy…

Well, Isn’t that Special? 🙂

Political Cartoons by Michael Ramirez

Political Cartoons by Michael Ramirez

Political Cartoons by Lisa Benson

 

Charlie Sheen Economics

Political Cartoon

Hollywood Actor Charlie Sheen was rushed to the hospital yet again after yet another drugs,sex, and booze binge.

Kinda sounds like the folks in Washington D.C. to me.

And to an extent the American people, who have been trained by Washington D.C. to live the high life and expect dependency.

So you have wild, crazed spending binges likes the last 10 years really. Both Obama and Bush 41. Both Republicans and Democrats. It’s just that the Democrats have partied heartier and faster than the Republicans did.

Much higher debt in a much shorter time frame.

The “suitcase full of drugs” was spending. Spending to advance one’s ideology, but most spending to pay off dependents, make more dependents and to buy votes for their re-election so they can do it all over again.

That’s where the Prostitutes come in.

Unions, Lobbyists, and the “advocates”.

But the Congress Men and Women are also Prostitutes for the money

The Money leads to the power and the power is the real drug of choice in Washington.

Just look at Deposed but still defiant Queen Pelosi and Prince Harry Reid.

Harry Reid’s defiant thumb in the eye about earmarks, another drug of choice for buying off the American people, where he will continue doing them because that’s how he got elected in the first place.

Dance with the Whore that got you to the party and then “Party on Dude”.

The Porn: That it has no consequences  so you can just watch it continue and view it from a far and that we can’t change it now and any who dares is just a “racist” “extremist” “teabagger”.

Then there are the American people, who are the co-dependents (and in the case of ObamaCare the forced dependents) in this equation. (of which now Over 700 waivers have been granted, more on this in another blog)

41% of people in a recent Rasmussen poll said it was Ok to spend even more on Education and Infrastructure even after all this. Denial is strong with these folks.

We have spend enough. The good times have rolled by. Get over it.

They have come to expect over the last couple of generations that the government will in fact take care of them when they get old and retire so no need to plan ahead, let’s just party like it’s the Summer of ’69.

And every time some tries to inject some sanity into the proceedings they are crucified by the addicts in Washington and the dependents in the heartlands.

But the party is going to end, whether anyone likes it or not.

There will be an intervention and pain now, or there will be massive and prolonged pain later.

As the old Fram air filter commercials of my youth would say, “You can pay me now or you can pay me later”.

It’s time to pay for the Sex, Drugs, and Rock n’ Roll.

And whether you like it or not is IRRELEVANT.

Thing of it this way. You got a credit card. You maxed it out so you got another credit card and you maxed it out and another and another.

Now all you can do is pay the minimums because you have so much debt that you can’t see anything else.

That’s where the US is right now.

To put $14 trillion in perspective, our national debt is larger than the total economies of China, the United Kingdom, and Australia combined.

If our Debt was rank as “an economy” it would be #30 in the world of nearly 300 nations!!

Just how far in debt are we? Find out below.

Current debt: 14,059,409,159,678.42

http://www.treasurydirect.gov/NP/BPDLogin?application=np

So do you think politically safe nibbles around the edges (Republicans) or Politically slick slogans (Democrats and their “freezes”) will staunch this bleeding?

Or are HARD, politically unpopular choices needed. By both the Political Class, their Drug Dealers, Pimps, Whores, and Prostitutes and the the American people.

Denial is not an option anymore. The Credit cards are maxed out.

The Party is over.

The Hangover and DT’s are going to be pain like you never knew.

But the alternative is that Charlie Sheen and the Charlie Sheen economics becomes Anna Nicole Smith or River Phoenix.

Personally, I want to live!

How about you?

Political Cartoon

Political Cartoon