Archive for the ‘Business ethics’ Category

Patriotism is NOT a Sin!

July 4, 2011
 Kris Karrel notes: The following is a post  I ran across on a forum. Send this to every Patriot you know, but please include the proper accreditation.


Have you ever wondered what happened to the 56 men who signed the Declaration of Independence?

Five signers were captured by the British as traitors, and tortured before they died.

Twelve had their homes ransacked and burned.

Two lost their sons serving in the Revolutionary Army; another had two sons captured.

Nine of the 56 fought and died from wounds or hardships of the Revolutionary War.

They signed and they pledged their lives, their fortunes, and their sacred honor.

What kind of men were they?

Twenty-four were lawyers and jurists.

Eleven were merchants, nine were farmers and large plantation owners; men of means, well educated, but they signed the Declaration of Independence knowing full well that the penalty would be death if they were captured.

Carter Braxton of Virginia, a wealthy planter and trader, saw his ships swept from the seas by the British Navy. He sold his home and properties to pay his debts, and died in rags.

Thomas McKeam was so hounded by the British that he was forced to move his family almost constantly. He served in the Congress without pay, and his family was kept in hiding. His possessions were taken from him, and poverty was his reward.

Vandals or soldiers looted the properties of Dillery, Hall, Clymer, Walton, Gwinnett, Heyward, Ruttledge, and Middleton.

At the battle of Yorktown, Thomas Nelson, Jr., noted that the British General Cornwallis had taken over the Nelson home for his headquarters. He quietly urged General George Washington to open fire. The home was destroyed, and Nelson died bankrupt.

Francis Lewis had his home and properties destroyed. The enemy jailed his wife, and she died within a few months.

John Hart was driven from his wife’s bedside as she was dying. Their 13 children fled for their lives. His fields and his gristmill were laid to waste. For For more than a year he lived in forests
and caves, returning home to find his wife dead and his children vanished.

So, take a few minutes while enjoying your 4th of July holiday and silently thank these patriots. It’s not much to ask for the price they paid.


I hope you will show your support by sending this to as many people as you can, please. It’s time we get the word out that patriotism is NOT a sin, and the Fourth of July has more to it than beer, picnics, and baseball games.

HOOYAH U.S.A!!!!!!
Lieutenant (and future Mrs.) BUD/S USN!!


A Solution for America

April 25, 2011

I have a solution for America–withdraw. At least for a time. Withdraw from the world completely. Yes, it will make for some incredibly hard times here for a while, but no worse than what the Soros/globalists/New World Order puppets of both parties in Congress and the White House have planned for us.

No more foreign oil. No more imports from China or elsewhere. Recall all our troops. Kick out the UN and send them not another penny. No more foreign aid or food sent anywhere. Close all of our military bases outside of our borders. With all that extra manpower, we can close our borders. Export all illegal aliens and anchor babies. Our new national motto: if we don’t make it here, we don’t need it.

It’ll take less than six months of shared sacrifice on our parts before the world begs. Beats decades of servitude to puppet politicians in Washington fronting for global tyrants bent on bleeding us dry of our resources (ask yourselves why Russia, China and Brazil can drill for oil in the Gulf, but we can’t). Like stripping a band aid. You want it quick or hair by hair?

I’m through being nice, generous, charitable, whatever, with the world. Time to take care of our own for a while and let them solve their own problems for a change.

M.L. Bushman

Operation Pinkslip

December 20, 2010

Well, no one has ever accused me of sitting around waiting to be robbed. But that’s what we’re all doing–sitting around, waiting for both so-called parties in Congress and the puppet in the White House to rob us of our country on behalf of their ringleader, George Soros. They would murder America, if we let them.

All this time, since 2008, we’ve been REACTING to the Soros/Obama plan instead of ACTING on our own plan and in our own best interests.

We’re playing the part of willing victims, just like Soros/Obama expects us to do. And since I am not a victim, but an American, and I’m not one to nitpick without offering a solution, I propose OPERATION PINKSLIP.

Granted, the Soros/Obama regime has planned for every contingency. Or so they think. If we go for our guns, we get martial law. If we wait like good little mutton entrees to “vote” in 2012, we get more of the same. If we even get to 2012 before any number of manufactured crises kick in–food shortage, currency collapse, economic and political retardation and death.

These Progressive traitors, these radicals praying for violence, have every avenue covered except one–PEACE.

Peace is a beautiful weapon. Ask Mahatma Ghandi and Martin Luther King, Jr. If goons strike violently at any one member of your peaceful army, they show their cowardice and serve only to bring you more recruits.

Soros/Obama and the Progressives in Congress fear our PEACE.

I suggest that in the Spring, those patriots who would dare emulate our Forefathers should start out for Washington DC with the express goal of firing all 535 members of Congress as well as the marxist in the White House and all his minions. We converge on the steps of the Capitol and at the White House on July 4, 2011, by the millions, we issue our pinkslips and refuse to leave until our recently discharged employees do.

In the meantime, those who cannot physically join us can remain at home, organizing new elections for the recently vacated seats as well as the residence on Pennsylvania Avenue.

Progressives need violence to effect their FINAL SOLUTION to the AMERICAN PROBLEM.

So, we must give them what they cannot fight–PEACE. We must, in effect, shut this country down to keep our Constitution, our liberties, and our children’s futures intact. Soros/Obama will shut our country down in their own best interests, so we might as well preempt them and their plans.

What the hell do we have to lose? Soros/Obama will take everything from us if we continue to REACT like good little victims instead of ACTING like the Americans we are, and ACTING PEACEFULLY en masse in our own best interests.

So, pass the word. PEACE is a beautiful weapon, and a revolution fought with PEACE as our SWORD AND SHIELD results in far fewer casualties than any armed uprising.

Operation Pinkslip. July 4. And please do, write your congressmen and tell them we’re coming. The idea of millions of American employers paying a visit to DC to fire their treasonous employees might serve as enough of a deterrent to make Operation Pinkslip entirely unnecessary.

But don’t count on it.

Oh, and by the way, MERRY CHRISTMAS.

When Just Enough is Too Much

August 8, 2010

Why are there always just enough Republicans in Congress willing to advance Progressive agenda?

Obamacare, so-called financial reform, and that totally inexperienced Kagan confirmed to the Supreme Court. Just enough Republican votes to advance the Progressive agenda.

Why do you think that is?

Perhaps this is because both parties are in the European One World Communists pocket. All this fighting we’re doing amongst ourselves–Left versus Right, liberal versus conservative, gay versus heterosexual, Muslim versus Christians–is orchestrated by our Common enemy. And, the evidence is clear, with just enough Republicans voting, that our Common enemy owns both parties. So what good is November, even if our votes give the Republicans a clear majority?

They aren’t going to repeal Obamacare. They’ll have a hundred excuses why they can’t do anything NOW, because the Muslim Mole in the White House will simply veto anything they send him and poor, pitiful me, these sorrowing Republicans just don’t have enough votes to override his veto, so really, repealing Obamacare would simply be a waste of our poor beleaguered Republicans’ time.

Mark my words. Waiting until November in hope of saving this country is exactly what these master propagandists who have taken control of our Government want you to do. They plan to break you, America–to break your spirit, if nothing else. You will just be exchanging one set of puppets for another.

You have to rise above the hate being peddled to all sides. You must see  our Common enemy because sure as shit, if you don’t stand up and fight using every peaceful means at your disposal, you will be forcing your children and your grandchildren to pick up a gun to take what’s left of America and its Freedoms back.

Martin Luther King and Mahatma Ghandi showed the world the way to wage and win a peaceful revolution. Your heart is free. Have the courage to follow it, not mindlessly to the ballot box, but to sit-in after sit-in, to peaceful protest in all manner you can think of, even if it means risking your life, your fortune, your sacred honor and not paying your taxes.

Again, I ask: why are there ALWAYS on every major issue JUST ENOUGH Republicans voting to advance the Progressive agenda?

M.L. Bushman

The Four Stages of Communism

July 22, 2010

Geary-Khamis: The International Dollar You’ve Never Heard Of

July 10, 2010

From Wikipedia:”The Geary-Khamis dollar, also known as the international dollar, is a hypothetical unit of currency that has the same purchasing power that the U.S. dollar had in the United States at a given point in time. The years 1990 or 2000 are often used as a benchmark year for comparisons that run through time.

It is based on the twin concepts of purchasing power parities (PPP) of currencies and the international average prices of commodities. It shows how much a local currency unit is worth within the country’s borders. It is used to make comparisons both between countries and over time. For example, comparing per capita gross domestic product (GDP) of various countries in international dollars, rather than based simply on exchange rates, provides a more valid measure to compare standards of living. It was proposed by Roy C. Geary in 1958 and developed by Salem Hanna Khamis in 1970 to 1972.

The term, while not in widespread use, is sometimes used by international organizations such as the World Bank and the International Monetary Fund in their published statistics.

Figures expressed in international dollars cannot be converted to another country’s currency using current market exchange rates; instead they must be converted using the country’s PPP exchange rate used in the study.”

There’s little information on the Web, nothing in the news, about this fabricated dollar. And once we’re all using our debit and credit cards, our every purchase tracked, once the need for actual physical currency is gone, what’s left of our freedoms?

Here’s another link that says virtually the same thing about this hush-hush “international” dollar.

So, if the standard is changed, if the US dollar is no longer the base currency of measurement for the entire world, what then? How much do you think your property, your labor, your goods, the food you eat, will be worth in, say, Chinese yuan?

The “international” dollar. Out of very thin air. Why collapse our currency? Anyone?

How else do you reduce us all and our American standard of living to that of the third-world serfs already conquered in Europe, Australia, Africa and the like?

Collapse the currency, the economy, devalue drastically the human and material resources of an entire nation, and, equally if not more importantly, discount the value of land. When US dollars are worth Geary-Khamis pennies, my house won’t be worth diddly-squat, especially to someone loaded with Billions or Trillions of that brand new international currency. Gee, wonder how much Soros has stashed in his mythical bank account.

Tell me this isn’t the richest Progressives’ game. The annual Bilderberg meeting this year was more to laugh behind all our backs because, like this truth or not, they’re winning, against all of us–because we the People won’t stand together.

M.L. Bushman

Independence Day, At Last

July 4, 2010

Nature teaches that any species who outgrows its resources or controlled environment faces a major correction to its population, up to and including outright extinction. Whether by political design or disease or starvation or privation or pollution, or even a breech of our round blue environ from without, the species Human is no exception.

The masses arguing over non-issues introduced as cover for the would-be Lords fighting each other for control of this round blue Petri dish labeled Earth are just begging for a rather rude and crude global correction, one we will all suffer equally if we collectively allow them to continue their gang warfare unimpeded.

Consider yeast cultured in a plain bowl. Each living molecule of the organism requires food and a hospitable environment to grow. One small misstep, one variation from these optimum conditions–limited fuel, not enough or too much heat in the environment–the yeast collapses and dies. This is a rather simplistic example of a natural correction. Now, whether our impending correction is self-induced or comes from without is anyone’s guess, but I’m praying that God, good Father and merciful, is going to let us all–good, bad and indifferent–feel his boot to our assets swiftly, catastrophically, strip the Band-Aid as it were, leaving but a smarting remnant to try this experiment again. That is, if he considers species Human worth saving at all.

I personally welcome an end to the global gamesmanship that would see an entire Gulf polluted with oil while the gang of Soros orgies with minions like Obama at the high altars of GREED and PENIS, aka EGO. He who dies with the most toys…wins what exactly? What is it that you think you actually take with you when you leave this planet? Penis stays here. Money stays here. Material possessions of every sort stay here. Self-proclaimed titles like Lord of Earth stay here. If, according to rudimentary physics, energy can never be destroyed, then apparently most of you have yet to consider whether you are an eternal energy housed in a temporary Human shell or just a wasted shell. The lot of you are looking more and more like the latter.

I’m bone-tired of entertaining the limited and misinformed opinions put forth by the rather fluffy young souls in our midst, souls the cosmic age-equivalent of elementary pupils who find the mere idea of a Mind behind this whole process of birth and rebirth too frighteningly large a concept for them to even marginally consider. That simple mathematics exists at all proves a Mind–nothing less could’ve created the very foundation upon which whole Universes are predicated.

Go ahead, call me, call every older soul certifiable who dares mention the larger scheme in play here beyond a single life on Earth. I’m not required to care about your names, your labels, your epithets or your opinion of me, of anything, anymore.

The concept of Earth as School, of each life spent as a single teaching moment in a growing list of them, might seem extreme on the surface, but so did the idea of a global conspiracy to bring about a One World Socialist Order at one time, until that arrogant moron Soros decided to try it. And if this impending planetary correction is, at least for some of us, graduation day from a course of life study whose syllabus includes the effects of the seven deadly sins on a weak and highly susceptible species Human, then I would have my soul right with God.

This schoolyard we call Earth will be cleared. And since I’ve now pointed this out to you numerous times in one setting, I have fully satisfied my moral obligation as an older soul to warn you of said correction. Let me say again, mainly for the eternal record: very sorry for your losses, both now and in the future, but I have this moment fulfilled my duty to both God and country. What happens next to billions of living Human souls of all cosmic ages when the correction, the graduation, the moment of truth, finally arrives no longer matters to me individually. You’re not listening anyway. You’re so sure you know all there is to know. Please continue to do just as your wizening hearts will.

It has become painfully obvious to anyone with more than just skin in this game that Truth no longer matters here on Earth anymore, not even in America.

“Accidents” of a magnitude as the Gulf spill are rarely timed with such efficiency; just as the bungling and outright intentional obstruction of the so-called cleanup effort is rarely accomplished with such overall efficacy. Yet, few Americans want to consider the whole of that and what it truly implies because then they might, just might, feel compelled by the last lingering shred of their morals and ethics to get off their assets and do something more constructive than rant and rail from the privacy of their home computers. Well, woe is me, too. Keep falling prey to the narcotic distractions injected like a junkie’s fix on a daily basis by the One World Media Machine; please do, keep fighting amongst yourselves over issues that mean little or nothing to your survival as a nation, as a planet, as a species, as an individual soul in the Universe at large. Pray you don’t have to come back and clean up after yourselves–if you happen to leave so much as a planet capable of sustaining life of a higher order than species Roach to come back to.

If you’ve hung with me thus far, know that I have already entered concepts and ideas into your thick heads, words that stick to the mind like glue, whether you focus on them, ignore them, understand them, pretend to forget them, hate them, or agree with the message, or not. From this moment on, you may no longer claim any valid excuse for doing absolutely nothing about the deplorable state of your nation, your world, your species, even if you act purely and selfishly on your soul’s behalf. What goes around, comes around, or doesn’t–get a dictionary and look up inertia or even karma. Ask yourself what happens if that God you love to disregard, that Mind you loudly declare impotent or even nonexistent decides you must repeat this course, from primordial soup to a last Decision to Act, all innumerable lives of it.

You can, of course, wait patiently for November and your vaunted ballot box, America, like Soros and the One World Media Machine want you to do. They know, better than most of you, that limiting your choices at said box is a prime way of taking your freedom without being overt. Ah, yes, be a good citizen and remember in November while, in the interim, oil continues to foul the Gulf; your so-called president is woefully, criminally derelict in his duties, yet remains unprosecuted; and the Soros Progressive agenda/coup is still being advanced–one Kagan, one new act of legislation at a time. It’s so much easier to wait to vote, to march once or twice in the streets carrying a sign that, in the end, accomplishes nothing of lasting import, so much easier to look the other way on crimes committed and unprosecuted at an alarming rate in your nation’s capital, isn’t it? Much easier than pledging your lives, your souls, your sacred honor, to gather in private homes and out of the way taverns, to arm yourselves with more than pithy slogans to defend all that’s left of Good. As a wiser man than me once said, you must give your life to save it. I would give my life, if only to save you and this nation and this species from yourselves. But you will have none of it.

At the very least, we the People should be squatting in this nation’s capital right now, camping on the lawns, in the forests, in the streets by the millions and refusing to leave until the direction of this country is bent to our will and the criminals purged from the White House and Capitol Hill. God forbid any of you so blessed with even a single life here in this most trying time of this American nation should actually decide to emulate the stellar example of your Forefathers in a timely-enough manner to save the last bastion of freedom on this Earth. Have you not seen the signs? Read the little articles here and there about the “need” for a “new” international currency? Soros will soon collapse the current international currency known as the US dollar to institute a currency of his own making. Where will that leave us all? Hungry, afraid, and still denying an international coup is presently underway? Brushing off the “extreme” notion that the Mind behind the scheme of all things might just be using this time to take full measure of each of our souls? What, pray tell, do you truly have to lose?

I completely understand now why Pontius Pilate washed his hands. There’s only so much any one person of conscience can say to a ravening mob of idiot children who’ve been led to believe there are no limits on their behavior, and no consequences to their actions, or lack thereof.

Perhaps this is my test, the most important lesson of my current life here on Earth–to realize finally and fully the utter futility of devoting a portion of the breath and time and energy of a life to the survival of a nation and a species fated to collapse, even to extinction. But I would be right with God, no matter how many ignorant, self-important schoolchildren wander by my tiny corner of this global playground to stick out their tongues and call me names. As a greater man than me once said, they know not what they do.

No, they truly don’t have even the most marginal clue.

M.L. Bushman

The Biggest Scam of Two Centuries (and counting)

May 26, 2010

This country was founded on a document seventeen pages long.

Did the Founders of the Constitution spend all their time making laws? No. These men had other jobs, other interests that paid their way, or not.

So, where did the current members of Congress and even the president get the idea that lawmaking is a fulltime job worthy of an excess of pay and nearly unlimited perks at the expense of the electorate they purportedly represent? More importantly, when did the members of Congress and the president sell the People on the idea that lawmaking is a fulltime job worthy of excessive pay and nearly unlimited perks?

How many laws can be passed before America, its People and their freedoms, choke and die under the weight of all this legislation?

When did lawmaking transmogrify from temporary public service to fulltime career employment?

Law after legislation after law cannot go on indefinitely for that defeats the purpose of our Constitution, a founding document seventeen pages long.

The biggest scam of the twentieth century bleeding over into the twenty-first is the idea that we the People need fulltime lawmakers. I submit here and now that we don’t need, and can no longer afford, fulltime lawmakers any more than the Founding Fathers felt they needed to be in Washington twenty-four hours a day.

Less would definitely give us all more.

M.L. Bushman

To Cut Pork, A Meat Cleaver

February 14, 2010

Well, to be blunt here, I’ve probably had more jobs in my fifty years on this planet than all my friends combined and one thing I know for a fact: there is no business on Earth that doesn’t have waste to cut. And that includes the US Government.


I can think of a few places to start–all the federal funding that ends up in the hands of nonprofits, funding even GAO admitted as recently as February 2009 they have no way to track. They don’t know where the money goes once it hits the many and diverse pipelines. If you don’t know where every dime of the taxpayers’ money goes, don’t let it go.

$349 million for advertising for the Census. Excuse me, but whoever thought that up must think Americans are all new to the country and don’t know there’s a census every ten years.

If lawmakers are really serious about cutting the deficit, let’s see them take some serious voluntary pay cuts–by half ought to do for starters since they only seem to work half the time the rest of this country’s workers are laboring.

If Nancy Pelosi, et al, wasn’t aware that her job description included relocation to Washington DC, she ought to quit instead of flying to California on the taxpayers’ dime whenever the whim strikes her, and anytime she wants to go home, she could help the economy by flying commercially on her own dime. Doesn’t she make enough money in her present salary?


According to our Royal Obama, there was at least $500 Billion in Medicare waste and fraud that could be cut, so why hasn’t it been cut already?

How about sending one lone efficiency expert to work in the local offices of social security to see just what it is they’re doing or not doing when they make a person wait for four months for a call back.

How about sending efficiency experts, not for exorbitant salaries mind you, but for entry level wages into the offices of every Federal Department to work and observe and report on places to cut waste. I’d be qualified for that job, and I’d be glad to do it. I’m not talking here of hiring an elite company of “efficiency consultants,” I’m talking regular people. Amazing what the workers of the company know about cutting waste if only the “managers” in the ivory tower would swallow their elitist attitudes and drop on by the coffee pot in the break room once in a while not to lecture, but to listen. The really good managers I’ve worked for in my life all know one thing–they aren’t running the company, it’s the people doing the actual work that are “running” the company.


If Michelle Obama wants to set a good example for the rest of us her husband is fond of telling to tighten our already tight belts, she can dispense with her entire personal staff save for an assistant. She’s not a rock star, she’s not a celebrity, she’s the wife of a man in we the People’s employ. Unless she wants to tell us all to “eat cake” she ought to be supporting her husband’s call for belt tightening by giving up a few million dollars worth of personal care. And Obama should be setting a good example as well by foregoing all travel and “date nights” and staying home until the rest of us can afford to eat out once a month.

Now that’s just a handful of ideas to cut waste and spending. I’d love to take a look at the Federal budget, line by line, research by research, and find out if what we the People are paying is necessary or even worth what the Feds want us to think it is. Congress certainly thinks enough of itself to give itself a raise, undeserved and unearned, and that should be our first clue that there’s a hell of a lot of waste to be cut, enough I’d wager to balance our Federal Budget, if not this year, certainly by next year.


Obama never had a pair, but whoever replaces him better have.

M.L. Bushman

Of Credit Cards and Big Bad Wolves

December 11, 2009

Act One: Enter the Wolf

Once upon a time, a dizzy blonde forgot her payment to the big bad wolf known as Bank of America (BOA). In her defense, it was the silly season between Thanksgiving and Christmas and she simply forgot to make the payment. On December 7th, 2007 a day that will certainly live in infamy, she realized she’d forgotten the payment, which was now 7 days late. So, being an individual more than willing to take responsibility for her mistake, she paid over double the minimum payment plus the late fees, and since she’d never been late on a payment before, thought that was the end of it.

But the big bad BOA wolf was having its own problems at the time with losses in the sub-prime mortgage market, like other wolves such as Washington Mutual (WAMU), and since our blonde had made this “error,” the BOA wolf decided that she, and thousands of others, should help the big bad wolf cover its losses. The blonde received notice with her next statement that the interest on her balance was being raised-to 31.74 percent-but if she paid on time like a good little blonde for six months, the big bad BOA wolf would “review” her account.

When she called the BOA wolf’s customer service line, the blonde discovered that “review” didn’t mean the interest rate was going down after six months. Oh, no. It just meant “review” as in “we’ll continue to shaft you as long as we want and you can’t do a damn thing about it.” Well, the blonde decided to fight back in a totally remarkable way. She refused to pay. She called customer service a second time to let them know that she wasn’t going to pay what amounted to usurous rates and that she didn’t care about her so-called credit rating, a cattle prod if ever there was one, created by lenders to herd frightened sheep into the slaughter pens of big bad wolves all over the country and the world.

The blonde did her research and spoke to a friend who’s worked in the banking industry for over twenty years to find out what, if anything, the big bad BOA wolf could do to her for refusing to pay. The BOA wolf could garnish the blonde’s wages, but the banking industry expert had never heard of any wolf doing that because it’s just too darn expensive for the wolves, having to get a lawyer in the blonde’s home state, etc. The big bad wolf also could, in theory, serve a writ on the blonde’s bank and clean out her bank account, but the banking industry expert hadn’t ever heard of that being done either, again, because it’s too cost prohibitive for the wolves. Outside of ruining the blonde’s credit rating, there was little else, if anything, the big bad BOA wolf could do.

So, our courageous blonde did not pay. And the sky did not fall. But, this isn’t the end of the story by any means.

Act Two: A Classic Bait and Switch.

After ignoring repeated calls from the BOA wolf’s collectors, and thanking God for caller ID every time, our blonde had a fit of conscience. Never one to stiff anyone she owes, even a big bad wolf–unlike all the big bad wolves who had no qualms about gorging themselves on fresh cash at the taxpayers’ bailout trough–the blonde decided to work out a deal with the BOA wolf. The BOA wolf agreed to settle for half of what was owed, to be paid off in thirty dollar installments over the course of 60 months. Fine and dandy. The BOA wolf cashes the first payment. Two weeks later, a representative for the BOA wolf calls and says thirty isn’t enough.

“Federal law won’t let us accept less than eighty dollars a month,” Eric, the BOA rep, said.

“Cite me the statute,” the disbelieving blonde replied.

Eric didn’t know what the specific statute was, so the blonde asked to be transferred to someone who does. He refused to transfer the blonde, even to his supervisor, for at least five minutes of bickering and gnashing of teeth, until finally he relented. Eric’s supervisor offered to take fifty a month instead of the eighty (and whatever happened to the “federal statute” requiring eighty? Eric’s supervisor dodged that question.) The blonde refused to pay more than thirty because, to her way of thinking, she and the BOA wolf had made a deal and the wolf should honor his end. The BOA supervisor refused to take thirty. The blonde now keeps that money in her pocket. And still the sky did not fall.

The blonde had a similar run-in last year with HSBC, where they were going raise her interest rate to the high 20s, which she also refused to pay and let them know it on at least three different phone calls. HSBC then perpetrated their version of the bait and switch, promising the blonde 9% interest on her remaining debt, if only she would pay X amount by a certain date, and then make timely payments until the debt was satisfied. She met this wolf’s requirement, but then the HSBC rep said they couldn’t honor that deal either. And so the blonde kept her money in her pocket while HSBC, BOA, WAMU, CITI Bank, and other wolves lined up at the taxpayers’ trough to feed on the fresh meat supplied by our own Congress and President.

New credit card regulations are due to take effect in February 2010. However, these “new” regulations are to be interpreted and put into practice by the leader of the wolf pack, the Federal Reserve. There is nothing to prevent the wolf pack leader from interpreting the provisions this “new” law to the wolves’ own advantage, or “re-interpreting” the provisions at any time in the future, perhaps when the economic mess these greedy wolves got us all into has abated some, or maybe when the fresh meat in the bailout trough is thoroughly exhausted.

Distrustful of all banks now, with good reason as illustrated above, the blonde feels at this point in time that she’d rather owe the wolves than beat them out of it. And since the economy has taken a nosedive and the blonde has her own little cub to raise and a mortgage on their small den to satisfy, those wolves will just have to wait their turn, if it ever comes.

To the blonde’s way of thinking, the wolves, with the not-so-hidden support of our Congress and President, will continue to feed as long as consumers everywhere fear to fight back in the only language these wolves understand–money.

M.L. Bushman