#6 According to the Student Loan Debt Clock, total student loan debt in the United States will surpass the 1 trillion dollar mark in early 2012.

#24 Only 55.3% of Americans between the ages of 18 and 29 were employed last year.  That was the lowest level that we have seen since World War II.

#28 In the United States today, 317,000 waiters and waitresses have college degrees.

Most of this— whatever. But there are facts in here that are brutal, and the student debt/unemployment crisis sometimes really freaks me out. Our generation is really getting fucked.


via ACLU:
America’s criminal justice system should keep communities safe, treat people fairly, and use fiscal resources wisely. But more Americans are deprived of their liberty than ever before - unfairly and unnecessarily, with no benefit to public safety. Especially in the face of economic crisis, our government should invest in alternatives to incarceration and make prisons options of last – not first – resort.


via ACLU:

America’s criminal justice system should keep communities safe, treat people fairly, and use fiscal resources wisely. But more Americans are deprived of their liberty than ever before - unfairly and unnecessarily, with no benefit to public safety. Especially in the face of economic crisis, our government should invest in alternatives to incarceration and make prisons options of last – not first – resort.

When authorities fail to prosecute those who attack people for exercising their rights or exposing abuses, they subvert justice and undermine the people’s confidence in their governments

Hillary Clinton, criticizing how Russian authorities have reacted to protesters.

How very appropriate, Mrs. Clinton. How about you redirect your words to the administration you serve?

A wild hypocrite appears!

(via mufb)



I don’t usually go on text rants but I just finished reading…

It was a well written and easy to understand for a financial novice like myself.  But it really helped clear up a lot for me on how exactly this whole fiasco unraveled itself.  It really baffles me how unregulated nonbanks like Countrywide could commit so much into subprime.  It just makes no sense…  Stated income loans, with no proof needed? Why would you suddenly expect low income/poor credit folks to suddenly change? Oh right you never did. Its just these Greedy mother fuckers who can’t look past a dollar and throw their virtues out the window.  Whip cracking managers pushing their account executives too hard, combined with commision incentives in a testosterone filled sales room… 

Is this really what we dreamed of in a Capitalistic system? 

You think there would be some sense and responsibility among our nations “brightest” and most connected folks. 

But anyway in recent news:  Bank of America (who acquired countrywide and its bad loans) has hit an all time low at $5.03 per share.  Today they rallied a bit but still at under $6 a share they aren’t doing to hot.  They are currently in a court battle over the $8.5 Billion settlement in which the court may seek even more damages, and I hope they do.  $8.5 billion is just a fraction of all their dirty loans.

goo.gl/KmvJD (Reuters link)

Predatory lending needs to end. The naive and elderly are not your cash cows. Low interest openings with rising variable interests is just ridiculous.  You know your consumers can’t understand these terms, stop taking advantage of them.  And lobbying… fuckin lobbying. Money and connections shouldn’t allow you to mend any law you want. We live in a world where money rules politics, lack of responsibility and morals run rampant on wall street and society is too entrenched within media to notice. 

Wake up folks because I know a lot of you are students and guess who is the next victim…? 

Sallie Mae is that gold diggin ho that you don’t want to know!

Peace and love.


Indeed, the Wall Street Journal found:

The vast majority of demonstrators are actually employed, and the proportion of protesters unemployed (15%) is within single digits of the national unemployment rate (9.1%).

(And see this.)

Professor Hector R. Cordero-Guzman and business analyst Harrison Schultz from the Baruch College School of Public Affair puts the unemployment rate of the Occupy protesters at 13.1%. In other words, approximately 85% employment rate.


One of the mindless attacks on Occupy protesters is that they are lazy and should “go get a job”.

In fact, most Occupy protesters have jobs.

For example, Scott Olsen – the Marine veteran peacefully protesting in Oakland who was shot in the head with a projectile by riot police – had a very good day job, but was so dedicated that he went to the protests after work


1. It names the source of the crisis.
Political insiders have avoided this simple reality: The problems of the 99% are caused in large part by Wall Street greed, perverse financial incentives, and a corporate takeover of the political system. Now that this is understood, the genie is out of the bottle and it can’t be put back in.

2. It provides a clear vision of the world we want.
We can create a world that works for everyone, not just the wealthiest 1%. And we, the 99%, are using the spaces opened up by the Occupy movement to conduct a dialogue about the world we want.

3. It sets a new standard for public debate.
Those advocating policies and proposals must now demonstrate that their ideas will benefit the 99%. Serving only the 1% will not suffice, nor will claims that the subsidies and policies that benefit the 1% will eventually “trickle down.”

4. It presents a new narrative.
The solution is not to starve government or impose harsh austerity measures that further harm middle-class and poor people already reeling from a bad economy. Instead, the solution is to free society and government from corporate dominance. A functioning democracy is our best shot at addressing critical social, environmental, and economic crises.

5. It creates a big tent.
We, the 99%, are people of all ages, races, occupations, and political beliefs. We will resist being divided or marginalized. We are learning to work together with respect.

6. It offers everyone a chance to create change.
No one is in charge; no organization or political party calls the shots. Anyone can get involved, offer proposals, support the occupations, and build the movement. Because leadership is everywhere and new supporters keep turning up, there is a flowering of creativity and a resilience that makes the movement nearly impossible to shut down.

7. It is a movement, not a list of demands.
The call for deep change—not temporary fixes and single-issue reforms—is the movement’s sustaining power. The movement is sometimes criticized for failing to issue a list of demands, but doing so could keep it tied to status quo power relationships and policy options. The occupiers and their supporters will not be boxed in.

8. It combines the local and the global.
People in cities and towns around the world are setting their own local agendas, tactics, and aims. What they share in common is a critique of corporate power and an identification with the 99%, creating an extraordinary wave of global solidarity.

9. It offers an ethic and practice of deep democracy and community.
Slow, patient decision-making in which every voice is heard translates into wisdom, common commitment, and power. Occupy sites are set up as communities in which anyone can discuss grievances, hopes, and dreams, and where all can experiment with living in a space built around mutual support.

10. We have reclaimed our power.
Instead of looking to politicians and leaders to bring about change, we can see now that the power rests with us. Instead of being victims to the forces upending our lives, we are claiming our sovereign right to remake the world.

Not like the brazen giant of Greek fame,
With conquering limbs astride from land to land;
Here at our sea-washed, sunset gates shall stand
A mighty woman with a torch, whose flame
Is the imprisoned lightning, and her name
Mother of Exiles. From her beacon-hand
Glows world-wide welcome; her mild eyes command
The air-bridged harbor that twin cities frame.
“Keep, ancient lands, your storied pomp!” cries she
With silent lips.” Give me your tired, your poor,
Your huddled masses yearning to breathe free,
The wretched refuse of your teeming shore.
Send these, the homeless, tempest-tost to me,
I lift my lamp beside the golden door!”
The New Colossus, Emma Lazarus, 1883, engraved on our Statue of Liberty

A Reminder to Have Hope

Some of you may be at the precipice - a realization that life does NOT have to be that of our parents or in line with the ideals our parents had. We can exist under an entirely new paradigm.  It sounds like an enormous challenge, but why not? We certainly wouldn’t be the first generation to change our social paradigm. Look at history, look how culture grew and changed over time. Each society has had it’s focuses - philosophy and thought, conquer and explore, invent and innovate, entertain and sensualize. We change all the time! In small ways from decade to decade, in large ways from Dark Ages to Renaissance to Technology Age. Why can’t we be a new design?

We have something incredibly special. We have the internet and a way to discuss and communicate and empathize worldwide that no other culture has ever had before. We are developing new ideals, new needs as a result. We are more socialized and harmonized, which goes totally against the ultra individualistic, self serving ideals of to each their own, now fight freely for a piece of the pie, the strongest will win, good luck losers mantra of today. Especially when those “losers” include liberal arts thinkers, brilliant sensualists, creative beyond belief innovators. Geniuses of their own right. Huge social contributors. And many of us create to share, not to profit.

The Internet has proven this. We make things to make people laugh or learn or be amazed. Because the beauty of the internet is that we can, as special and unique as we each are, find a community amongst those who are more similar to ourselves - something we’ve never had the luxury of before in the history of our species. And because we have this ability to find like-minded people, we have an audience and camaraderie. We have similar interests and so our creations are met with applause. We write for the readers. We code for the people. We develop and build and film so many extraordinary things. And for what? For FREE. Why?? Because there are people who appreciate it and for some reason, that sufficiently feeds our human need for acceptance, honor, pride, acclaim, etc. without the need for the past needed riches.

But we’re still stuck in this old system, where money means everything. Where the ideal way to be is a rich white douche who has embroidered shirts and 50 different cuff links (that certainly isn’t MY fucking dream). We live in a society where being able to BUY and CONSUME means more than CREATING and SUSTAINING.

So we have menial jobs to make it by and we come alive when we are finally free to pursue our interests and we build and create. So I suppose I don’t know why I keep hearing that capitalism is so great because it brings us innovation. You don’t have innovations without creations and creativity. Such things are actually stifled in this paradigm, where half the art is cutting as many corners as possible while still sucking as much out of the people as possible. Artistic abilities are scoffed at or capitalized upon and co-opted by entertainment INDUSTRY, repackaged and sold to the mass public as brain rot. 

The current system does not support the growing minds of these new generations. I used to think, but how could the world change so much during MY lifetime, what are the chances? But what are the chances internet would be invented connecting the whole world instantly. We have mobile phones with cameras and instant twitter feeds, things cannot stay hidden. This is a different world and one that must be more harmonious and socialized. We are the most stimulated humans of all time. The amount of information we have been charged with, the free and easy ability to learn and self-educate (and for free on the internet, often created and compiled for free). We have the ability for so much enlightenment and awareness and growth as a species. 

We don’t have to feel so overwhelmed or like it is an impossible feat. We’ve been gifted with unbelievable experience and knowledge. We are a world of free explorers - in five clicks you can see pictures, videos, -pedias, and talk to people from almost anywhere in the world.  

Change can be okay. Change does not have to be terrifying.  Look over the human history, most change has been for the better and that was hasn’t be, lessons can be learnt, because again, we have unfathomable access to the histories of the world and others’ mistakes.

We are an extraordinarily young country. America used to stand for something and was an example of progress. Something to really be patriotic about. But we’re no longer the example. Why is that? Because the plot was lost. We have the ability to make America an example to follow again. And not in a condescending, belittling, and domineering way, but through the peaceful osmosis of enlightenment and education.


Must watch videos: 



Let’s Find a New Dream

How have they kept the masses down? Kept them hungry, scared, uneducated, and under the illusion they are well fed on gimmicks, brave in their patriotism, and complacent in their illusions. People act like that could never happen in today’s society. Propaganda, mass manipulation? Never! Not in AMERICA, the Land of the Free. But it has happened. History repeats itself, maybe not in the same way, but due to the same human flaws. Greed, ego, and need for power. Only this time we’ve been given the heartbreaking, illusory hope of an achievable American Dream. Who are those who succeed? Those who’ve worked hard and earned it! Okay, but tell me this, why is it someone who worked 70 hours a week running a mom and pop store just to make ends meet is less deserving than someone working on Wall Street? Just tell me WHY?

Can the same be said for all work place hierarchies? High school hierarchies? Those at the top are the most deserving? I’m not talking about high-paid professionals, scientists, doctors or economists. I’m talking about the people who gamble on the stock exchange. The people who run banks making MILLIONS every year. Please someone explain to me what God-rewarded values and hard work landed them that position in life. The only common thread I see is one of sociopathy and a willingness to climb and accumulate with no regard for others, going well beyond the point where many others would stop out of moral shame or guilt or legal bounds.

The system we all are born and bred to believe in is that hard work and toil will be rewarded as deserved. And hard work is spending hard hours of study culminating in scientific, technological or philosophic contributions to the progress of society. It means working hard building and creating your own ideas or your own homes.  Protection of property means protect your right to toil and keep the fruits of that toil - your business you build, your harvest you sew, your house you build, your ideas and things you discover. The system as you imagine it is not meant to protect disinterested outsiders from camping outside your home or your small business and profiting off of bets against your failures.  

Wake up America. This is not the dream. We got lost somewhere along the way and, yes, we also learnt a lot along the way - about civil rights and environmental sustainability. So let’s step forward instead of back. Let us learn from our mistakes and develop our progresses. Now is the time to find a new dream.

Occupy your country!