For the past year I have watched each of you yapping your lying mouths all over the local and national news outlets and to be quite honest, I have vomited in my mouth to many times to count. Three different times I choked on my beer and at one point I thought it was going to come out my nostrils, which mind you, burns like a son of a bitch.

Did it occur to any of you sitting up there on Capitol Hill that the American People have had just about enough of your stupid bullshit laddened speeches about Health Care, HAMP and the two wars that are going absolutely nowhere? About how you intend to help Main Street when in fact, the only thing you are concerned about is Wall Street and continuing to line your own pockets and saving your job, which I might also add, will be on the line come next election.

Here’s the thing: I don’t really give two shits if you’re a Republican or a Democrat. Far as I can see, you’re all a bunch of stupid f**ks who probably couldn’t find your own asses if someone drew a detailed map for you. But I’m sure you have no problems finding your Bank and your accounts to see if that the check you’ve received from all the lobbyists has cleared.

I just wanted to let you know that I personally am starting my own lobbyist division and will be recruiting other Americans who feel the same way as I do. The difference with my division is this to put it quite simply so that your f**ked up heads may understand it, we will be lobbying against you and when I say you, I mean all of you. My dog has bigger balls then all of you up there and he’s just a regular pound puppy. Seriously, do you ever get tired of telling the same lies just on different days.

Also, that whole loan modification program, which might I say was seriously well crafted by the weasely bastard Geither that you all revere so much still has not help nearly the amount of folks that you claim it has. By the way, tell Mr. Bernake to suck my ass while you’re at it too cause I’d sure hate to leave anyone out.

Congress, your all a bunch of lying ass pukes whom I truly hope in the coming months are voted out of your nice little positions. Hell, I’d be happy to see Mary Fargin’ Poppins in office or even Homer Simpson for that matter. I’d run but unfortunately for me I have small children that require me to be home raising them in this f**ked up mess of an economy. It’s a good thing they like potatoes because it’s pretty much all we can afford these days. If I’m lucky enough to shoot a squirrel in the back yard later this week we may have stew.

Thank you so much for screwing up my life and that of my friends and family. Thanks for running the country straight into the ground. Thanks for being a bunch of dim witted idiots who are so out of touch with the reality of the American People.

Now would be the time I’d tell you all to suck my penis if I had one. Which if I could afford it, I’d have a sex change and then trot my happy ass up there on Capitol Hill and piss all over it and then tell you to suck my surgically enhanced penis.

Oh and by the way, when I gave you the finger the other day when you were in my city I wasn’t telling you I thought you were number one. In case you didn’t know it that was the universal sign for F**K YOU.

Thank you for taking the time to read this and I really do look forward to a response from any of your lame asses. Oh and the glory of this letter is, freedom of speech unless you stupid f**ks have changed that in the Constitution as well.

Sincerely and with Best Regards,
Teresa Beougher
American Advocate to Fight the Stupid F**ks of Congress

And to my delight, I’ve found Gerald Celente.  You ask who Gerald Celente is?

He's the President of Trend Research Institute and he's been predicting future events that have impacted our lives for the last 3 decades.  It would behoove anyone reading this article to perhaps take a few moments to visit Mr. Celente's website and see how accurate he's been in his predictions.  Not to mention he has been touted by CBS, MSBC and Oprah for his ability to predict future trends.  When you have Oprah backing you, now that's some serious shit.  Yes, I am being a smartass thank you very much.

Now, normally I wouldn't "push" what some may call crystal ball nonsense, but, let me say, Mr. Celente has been mighty damn accurate in his predications and if what he says for 2010 into 2012 is a "possibility" then again I say, it would behoove the reader to take into considerations of what not acting on his predictions will mean for his/her ability to navigate a life that we've not seen before.  In the end, let's say some of the following things don't transpire all the time and effort that you put into researching and planning will not be for nothing.  You may very well learn that you can live with less money, less debt and more freedom than before.  Or you could learn absolutely nothing and end up right back in the same place you are today.

Let's just take a look at what Mr. Celente's is predicting or rather what the top trends will be for 2010:

The Collapse of 2010 - It would "appear" by Wall Street and mainstream media's perception that we are on the road to recovery.  At least that's what we keep being fed by all reports.  However, unemployment is still at 10% and that's if you really want to believe that percentage, Wall Street is making money like always, Goldman Sach's is reporting profits again, yada, yada, yada, yet foreclosures are on the rise, unemployment/under employment is still a huge problem whether anyone wants to report to truth or not and the commercial real estate bubble is getting ready to pop as well.  Also, when MA elects a Republican after over 40 years of being a blue state, you just have to go, WTF????  Not that I care whether MA is blue, red or purple for that  matter, both parties suck in my humble opinion, so technically from where I sit who the hell cares??

Terrorism 101- It would appear that the growing Anti-American sentiment around the world in regards to our presence in Afghanistan and Iraq perhaps will lead to another 9/11 yet on a much larger scale.  With the Underwear Bomber and the Fort Hood Tragedy it would seem that we need to be looking in our "OWN" backyard instead of tromping around where we are clearly not wanted fighting for something that still eludes me and the majority of Americans not to mention wanting to pledge millions more to these foreign Wars, when we cannot even fight the battles on our home front.

I could cover the rest of Mr. Celente's future trends, yet, I feel that it's necessary for the reader to take a look at his website, www.trendsresearch.com and judge for yourself his accuracy over 3 decades.

The question now is how angry are you?  Is it time to stop pointing fingers at the standing political parties since both clearly do not and have not had the American peoples’ best interest at heart for many years?  Will Americans start taking some responsibility for their part in this screwed up society, and when I say their part, you voted for the bastards because you believed that they were actually going to do what they said they were, or you might be one of the thousands that bought a house you damn well knew you couldn't afford so own it and move on, and you could also be one of the thousands that's still living off the welfare system because its just to damn easy to keep on that cycle.

I know I'm taking my part of the responsibility for the situation me and my family are in and for my part of voting for politicians that were just damn good liars and because I was to ignorant and lazy to do my homework before I pressed that button the voting machine.  I have no one to blame but myself and my lack of knowledge in many areas of politics, finances and our economic standings.  I know more now in the last year than I have in over 25 years and for that I am ashamed.

And if I offend anyone I don't really give a shit anymore, because I've got nothing to lose.  There's going to be allot more people like me except for one difference, I'm doing my rants via the internet, these folks are going to be doing it on the streets and when you have nothing more to lose then it's on.

Today, however, I am empowered with the knowledge of what is going on.  I am no longer sitting on the side lines waiting for my congressman or senator to step up and do what's right.  I am fighting back, one article at a time and yeah, maybe it's not reaching the masses yet, but I have faith and I am resilient and I'm not giving up, I'm not backing down and to hell with being politically correct.

When I see that our Government pledges millions of dollars for relief effort in Haiti that clearly we do not have to pledge it pisses me off and before you start bashing me for that statement, I’m not against helping, yet when you can’t even help those in your own backyard, well there’s a problem.  When I see that our Government wants to spend billions more on two wars that are going nowhere it pisses me off.

When I read article after article of it’s the Republicans fault, we inherited this disaster and the likes, well, yeah you got it, and it pisses me off.  When I read that the Democrats are trying to save the economy and that the Fed and the Treasury saved us from total economic collapse, which really pisses me off.  The farce congressional hearings over the banksters and their fraudulent bullshit is a joke, the feel good HAMP programs that isn't benefiting anyone except those few lucky ones is a joke.

Oh and let’s not forget all of the self-centered I'm better than you and honk if I'm paying your mortgage pissy ass whiners out there who piss me off. Here's an update for you: not everyone who's asked for assistance and really want to keep their homes and have every intention of making good on the contract they signed that were legitimate is a low-life, deadbeat, living off the Government piece of shit you want to tout that they are.  Their just like you, they've paid their taxes, they've go to their jobs every damn day and they've fallen on hard times like everyone other tax paying citizen  and all they want is a bit of a reprieve until things turn around.

So how's about you getting of your high and might ass soapbox and take a look around you if your capable of pulling that plank out of your eye.

My dad always said and still does, "I don't mind helping any of my kids out in hard times as long as I see that they are working and doing everything they can to help themselves."   Maybe some of you could take my dad's attitude and use it to help someone else, or maybe you can just keep sitting up there on your pedestal and pass some more self righteous judgment and when the day comes when and if your standing at those pearly gates, you can explain to the man upstairs why you didn't reach out to your neighbors in their time of need.  And if I’m lucky to be standing there hoping for forgiveness for my potty mouth kiss my ass attitude I hope that he'll understand that everything I’ve said, I meant with love and if not, I’ll be the receptionist in hell welcoming you in.

So, in closing, I'm pretty sure I’m going to get blasted for this article and guess what, I don't give a shit.  That's the beauty of free speech.  You don't have to like what I say, you don't have to agree with it and you can slam me for days, but, when today comes to an end and I lay down to sleep, the only thing that will affect it is, if one of the babies wakes up in the middle of the night or if the husband's snoring is too loud.  Outside of that, I'm good.  And I said what I mean, I mean what I say and I am helping where I can what the hell are you doing?

Rather than spend too much time analysing the current kerfuffle over Newsweek's stolen Runner's World photo of Sarah Palin splashed across their cover, I wonder if this is just another example of using controversy to sell magazines. Below, a list of links to catch you up and perhaps make a point.

• Newsweek's official statement. In response, Newsweek's editor feigns innocence and "gender neutrality", whatever that means, but really, they're looking to sell magazines. Previously, Newsweek used an extreme closeup of Palin's face, un-retouched. How many other controversial covers will we see in the future? It brings to mind the Barack/Michelle Obama fist bump cartoon on the cover of the New Yorker, which sold out the rag last summer. A larger perspective could include Sean Delona's New York Post cartoon of the monkey getting shot by cops that was compared to Obama back in February of this year.
• Palin posted her denouncement of the "out of context" photo on her Facebook page.
• Yahoo News ran a story about the hullabaloo.
• Newsweek ran two editorials. Evan Thomas's can be summarized as "Palin's Populist Campaign."
• Christopher Hitchens's could be called "Deconstructing Sarah."
• On Point had a good discussion about Palin's chance to remake herself. One guest warned that if Palin focuses on controversy and stirring the pot as opposed to solid policy points, she'll fade quicker than a one-hit wonder, to paraphrase. I'd say that it's more of a sign of our times that if you are not controversial, you are not newsworthy.
• Runner's World repudiated any involvement, although maybe they would reconsider, if this brings their circulation numbers up.

Richard Neiman, in his Congressional Oversight Panel report called Treasury's goal for home loan modifications at 25,000 modifications a week "robust". By those calculations there should be close to 300,000 homeowners with loan modifications today. Truth is, they're about 298,000 short.

This story can also be seen at Huffington Post

Last week Ocwen Financial threw themselves a little party for holding 770 of the 1170 successfully completed loan modifications since April. That's a little like getting an ata-boy award for coming home with a "D" on your report card.

Over the weekend Bank of America announced that it had enrolled 125,000 homeowners in the HAMP trial period. Considering Treasury's demand that the banks come up with a collective 500,000 by November, that's like starting your homework at 11PM on a Sunday night.

In reality, since the program's introduction in March, Banks and loan servicers have done very little when it comes to follow through. There's very little incentive, oversight, and accountability when it comes to the actual paperwork.

The actual NPV (Net Present Value) test to determine rates is still a secret and eludes most people. Lenders don't have to provide any reason for denying the modification once the three month trial period is completed. In many cases a modification can actually increase the monthly payments. So much for transparency.

The majority of the offers are nothing more than a plan to keep homeowners in dept and a state of bondage for years to come, according to Brent T. White of the James E. Rogers College of Law. Attorney Walter Hackett writes on his blog Livinglies how "...a homeowner will be offered a 'workout' that can result in the homeowner being 'worked out' of his or her home." He explains it in his post.

Thousands of frustrated and frightened homeowners have posted their stories on blogs and forums like givemebackmycredit.com or Loansafe.org, a community of over 20,000 homeowners getting together to save their homes and turn to each other because their's no where else to turn.

In her post, one of Loansafe.org's members, Teresa Beougher writes:

Your Credit and Debt cycle will be coming to a halt soon enough. Once upon a time FICO meant something to people, but as the days pass and information is spread thru out the Social Networks that you so blatantly ignore, FICO will be little more than a nasty four letter word in the coming days. You have pushed us aside for the last time.

Our fearless leaders and elected officials don't really seem to have much to say when it comes to hundreds of foreclosures a week - and that's just in their district.

Congress' apparent strategy in dealing with this is to sit back and let it sort itself out. Remember when the banks were telling us that? That Americans were a tough bunch and they would find a way to save their own homes by getting second jobs, turning down the heat, and not sending their kids to college? That if they really wanted to keep their homes they would find a way to pay and pitch in for the $38 billion in bonuses they needed to give themselves.

My wife and I have been in this for over a year. We've been scammed, berated, conned, and pushed aside every step of the way. When we reached out relentlessly to Massachusetts Attorney General Martha Coakley, we received a form letter explaining how busy she is. Rep. John Tierney's office left a voice mail saying, "I didn't realize you required or expected some kind of action." Barney Frank, John Kerry, and the rest sent us back to Tierney.

So, while the banks, servicers, and lenders are waiting for American tenacity to kick in and pay up and Congress is working hard to keep their "campaign contributions" coming some American's are banding together to help each other and telling Congress to get to work.

The members at Loansafe.org have put together a petition demanding that Congress take action:

We propose an immediate halt to all foreclosures until new, mandatory guidelines are established and that these guidelines be overseen by a new Consumer Protection Agency, which was recently recommended by President Obama and endorsed by Sheila Bair, chair of the FDIC. We also demand that these guidelines include not only a simple 31% of the borrower’s gross monthly income, but that the Net Present Value (NPV) test: (a) be created and administered by the government, not the banks, (b) have its data, assumptions and formula published so that they may be verified by the public, and (c) be made available at www.makinghomeaffordable.gov in a calculator form so that people can learn immediately, with the other eligibility questions available there now, whether they're eligible for HAMP. We are also strongly advocating that additional guidelines be formulated that would open the door for modifications at an even a lower rate in significant hardship conditions and for writedowns of principal when homes are severely underwater.

Without oversight and regulation banks and servicers will continue to pillage as they've been allowed to do for years. Hardworking and previously trusting families will be thrown out of their homes or left to pay for a home that has lost most of its investment due to artificially inflated values. Even with what's being laughingly called a modification family's are still left strapped with no way out.

The petition continues:

There is documented evidence that the current system is not working, as reflected in the rising foreclosure rates across the nation and the thousands of people who attend NACA “Save the Dream” events in an attempt to get their loans modified. There is ample evidence that the current HAMP and other modification guidelines are being interpreted differently by each bank, reflected in many places including the scenarios described by the 20,000+ members of the loansafe.org community. Additional evidence can be found in hundreds if not thousands of complaints and requests for assistance sent by struggling homeowners to their Senators and Congressmen across the country, as well as the Office of the Comptroller of the Currency and other agencies that have been instituted to regulate these banks.

By now, you probably know someone in your family, neighborhood, or at work who is struggling to keep their home. You've also probably figured out that they aren't losing it because they were greedy, as the banks would like us to think. If you don't know someone now, chances are in the coming months you will. According to many analysts a second and third wave is coming. Now is the time to act.

As one homeowner and member of Loansafe.org wrote on my site says,

The HAMP programs initiated with great intent by our President, in an unfortunate circumstance of time, are being played over by our banks. Banks deny modifications for unreasonable reasons (one of the latest received by many is “Your Hardship is not a permanent situation.”) Homes are being foreclosed on in the middle of trial modifications. Other homeowners are being offered new loan ABOVE their original mortgage agreement. The banks are getting funded for trial modifications, but have no one overseeing their efforts in modification permanency. The program is not working as intended.

It is time to save the American Dream, and get Wall Street out of Main Street!

Click here to sign the petition.

The Democratic base have taken some hits for being somewhat disorganized and remaining largely immobile. Is this a valid observation or are they just ahead of the curve in political and social evolution?

Voters invariably find that their elected officials are out of touch and out of reach. With unemployment on a consistent rise, the desperate avoidance of foreclosure and/or bankruptcy, and numerous domestic and international emergencies, people have a vital need to be heard. In a democracy, Americans are entitled to have their cries for action heard, presumably by the same body they elected to act in Americans' interest.

With today's technology, internet access is inexpensive and versatile. Innovations have made web design and advertising easier than ever. Online communication is lightning fast. Is it any wonder people are turning to their computers in a time when a Democrat-led White House, House of Representatives, and Senate are tackling a sundry of important legislation that may determine the outcome of their precarious situations?

President Obama has made political history with his strategic use of the interwebs both during his presidential campaign and as sitting president. He recognizes that the internet is the present and future of communication, including mass media, and has made it work for him.

In the season finale of Real Time with Bill Maher, Chris Matthews said that politicians like letters and that is the way to get things done. There is a feeling of denial in this old school formality. Letter writers will inevitably get the same response (form letter) as email writers, and both take about the same amount of effort. The only difference is the time in which it takes to garner such a response, if your representive thinks your letter or email is of sufficient importance to send one.

If you are not putting innovative technology to use multiple decades after its inception, you are past thoughtful evolvement and should not be holding public office. An important and oft forgotten trait is the ability to alter one's perceptions based on evidence and experience. Every politician should be riding the cyber wave into the future in the form of expedient, effective online communication with their constituents. If you are not yet convinced, consider all the taxpayer money (and trees) it will save.

For the rest of us, perhaps it is time to both recognize an internet revolution and not allow it to take the place of human interaction. Sometimes, being seen and heard at the same time has a profound effect. And we all know some people learn better with visual aids.