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

Turns out the problem had to do with an ADULT crossing guard who was letting kids cross regardless of the signal. That's right. An adult who should know that when a light is GREEN you wait for it to turn RED before you cross a busy intersection. Instead, whenever a single kid showed up (and as school had just let out there were many kids walking solo and in staggered groups), she would step right out into traffic with her STOP sign and all of us in cars had to stop. Even IF it was a green f'ing light!

Even more telling to me was the fact that even though it was about 25 degrees out, these kids didn't even have coats on. Now I well remember the "cool" kids who refused to wear coats (like it was manly or something to freeze), but this was more than a few - this was like all of them. Probably because they don't have to wait to cross the street.

I don't know about you, but when I was a kid, we didn't even have adult crossing guards. That was left to a selection of us kids - and it was a pretty big deal if you got selected. That there are adults doing this "big" job is another story. But here's the thing: we were taught to look both ways before crossing a street. We didn't just march out into a busy intersection like it was our god given right and that those in the cars would stop for us. And we were also taught to wait for the light to be red. No dumb ass walked out into the middle of a busy street if the light was green.

I've been enraged and totally dumbfounded by the new trend of the past few years of kids just walking out into the street whenever it suits them - whenever it's "convenient" for them to cross. And I now see where they're learning it - from adults who are teaching this to them on a daily basis.

The bigger issue here is not so much the bit about crossing the street - that's just plain stupid - but the teaching of selfish, self absorbed, entitlement. I'm actually angry enough to write the schools, the mayor, and the newspapers because self absorbed entitlement is one of the most fundamental problems today in my so humble opinion. Reality shows and talent shows perpetuate this sort of ignorance that everyone is oh so much more important than the other to the point of walking out in front of a car.

Maybe these adult crossing guards need a "Crossing the Street 101" refresher?! Or maybe when one of the little brats gets hit the seriousness of this will land on someone.

Since last year nearly 1 million struggling homeowners facing foreclosure have been offered trial modifications on homes that have depreciated in value. The modifications reduce the monthly payments for homeowners and many have scrambled to make the new payments. Some have taken second or third jobs, borrowing from family, and depleting savings in hopes of being approved for a permanent modification on a home that is most probably underwater (worth less than what is owed).

In truth, a disturbingly large percentage are denied permanent modifications and given no reason as to why they are denied. These people will most likely face foreclosure, ruined credit, and shame, despite their best efforts and their proven ability to afford and pay the new mortgage. Bank of America for example, in what I can only assume is their "friends and family plan" permanently modified 98 mortgages of the 156, 864 trial modifications they started.

Many of the trial modifications have been extended unreasonably beyond the requisite three month period. The banks attribute the delay to questionable claims of lost paperwork and a lack of effort on the part of homeowners. Some homeowners have been stuck in a modification limbo for five or six months only to be denied a permanent modification after making the required payments.

With close to a million homeowners forking over a conservative estimated average of $3,000 - $4,000 over the course of the trial, that's nearly $4 billion banks and servicers have fleeced from homeowners on false hope and empty promises, only to foreclose any way.

For the relative few, like my wife and I who received permanent modifications after a 15 month battle, the fight is far from over.

One of the more populist arguments to the mortgage mess is principal reduction. Another is simply walking away, like corporations do all the time without the same perceived moral obligation homeowners are made to feel. Without equity in the property, it makes little financial sense to keep paying.

Ocwen's General Council Paul A. Koches was recently quoted in the New York Times as saying "We realized early on that if we don't include principal treatment, you just don't get the buy-in from the borrower to stay with it," referring to principal reductions.

Paul Koches was also notably quoted as saying, "We roll up our sleeves; we talk directly with the borrower. We find out what their situation is and we provide counseling and basically a complete underwriting of the delinquent loan, perhaps the way it should have been done at the point of origination."

But in speaking with Jennifer Levy, an Ocwen Bank Loan Workout Specialist and Ocwen CEO Ronald Farris' own secretary, Linda Ludwig, about our loan, both women stated emphatically that Ocwen never reduces principal, despite what their executives are quoted as saying. Ludwig even accused us of taking what they said out of context.

After my last post, I Refuse to be Ripped Off, Jennifer Levy of Ocwen called our home and screamed at my wife, "Don't call my number or e-mail me again. I will not be threatened," referring to her having been mentioned in the article. An ironic statement to make after having threatened to take our home for the last 15 months.

After three months of making every payment early and by wire transfer, Ocwen actually increased our principal by $13,000 and claimed an additional $12,000 as a charge off to the IRS (we'll owe taxes on that) and reported the value of our home to the IRS as $100,000 more than the appraised value. Based on an appraisal they ordered and made us pay for. In addition they tacked on some late fees, a half dozen certified mail fees, a $315 title report fee, four property inspection fees, a Loan Document Copy Fee, and threw in another appraisal. No one came to the house, no appraisal was done, we received no certified letters, and requested no copies.

It's important to note that when we first received the agreement for the trial modification and saw item 10c of the Agreement we were apprehensive.

"10(c) Any expenses incurred in connection with the servicing of your loan, but not yet charged to your account as of the date of this Agreement, may be charged to your account after the date of this Agreement."

We asked that this particular wording be clarified and received the following:

"The fees and fines referred to in section 10c and other parts of the document are in the event that [you] are late with our trial payments and any future payments, but do not apply to any fees incurred prior to this agreement as there is no itemization or breakdown in the actual document."

Needless to say, neither the $12,000 nor the $13,000 have been explained despite our repeated requests. A former Ocwen employee in contact with us has identified them as arbitrary junk fees that Ocwen notoriously adds to accounts to pad their books. In addition, the total payments we made over the three month trial period have not been credited to our account. They appear no where on any statement or report.

In May 2009 Louisiana Judge Elizabeth Magner, after reviewing multiple cases involving Ocwen Loan Servicing said they regularly acted in "bad faith". She issued a 15 page order (PDF) about Ocwen's "systematic abuse" and outlined specific accounting procedures. Despite this order their accounting and reporting remains convoluted and cryptic.

Ocwen President Ronald Farris during an interview with NPR told the reporter that "one of the largest, you know, banks in the world sat here in this room ..." and asked Ocwen for advice.

Ocwen has claimed almost 50 percent or nearly 30,000 of the country's permanent modifications. By simply adding an additional $50 with a few $5 and $10 arbitrary charges here and there every month to each loan, like they've done to us, it adds up. An additional $1.5 Million every month more than covers the executive salaries.

If this is the playbook they gave other banks, is it any wonder we're screwed? Maybe it's time for a good lawyer, but if I could afford a lawyer I wouldn't need a modification.

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?

It's a good thing they got their scripts several days ago so that each CEO could go over their written part of the travesty that this nation has faced.  This all looks really good doesn't it?  Mr. Dimon, your hair is fine, and yes the camera loves you.  Did you get the answers to the questions memorized?  No, that suit is fine you don't need to change it and yes we have some powder for that nasty oily glare on your forehead.  Mr. Blankfein, did you get enough sleep last night?  We need to get some cover up on those dark circles, yes, it's top of the line cover up sir, nothing but the best for you. Mr. Moynihan, welcome, we are so glad that you've taken over for Mr. Lewis, no, he wouldn't have looked good at all here today, but thank the good Lord you have that homespun down home boy next door face, the cameras will love you and your gonna do just great, keep to the script and all will be fine today.

Now make sure that all of you show some remorse for what has happened.  Don't be to remorseful cause it will look fake, but be real enough so that all of those pissed off Americans watching this coverage feel that you are taking some sort of responsibility for the economic time of hell and despair.  Make it good boys, all of America is watching you today.

Here's Goldman Sachs CEO Lloyd Blankfein's prepared testimony. A highlight from Blankfein's words about the bank's risk management practices:

"As I look back prior to the beginning and throughout the course of the crisis, we never knew at any moment if asset prices would deteriorate further, or had declined too much and would snap back...After the fact, it is easy to be convinced that the signs were visible and compelling. In hindsight events not only look predictable, but look like they were obvious or known."

Well, hindsight is twenty/twenty right?  Seriously, they all have prepared comments by some Harvard Grad intern for their firms writing up the bull-shit laden remorseful gosh we just didn't see this coming but we still are gonna find a way to spin this off onto someone else since we just can't be held accountable for this financial collapse.  Plus, it would be so hard to swallow for the Taxpayers that is, if one of this sons of bitches actually told the truth.  However, maybe the truth they are telling is exactly what they believe.  Really, if you lie enough you will eventually start to believe said lies and in the end it becomes the truth at least in the mind of the liar right? So, I have to go to the definitions of Pathological vs. Compulsive Liar and here it is folks via www.truthaboutdeception.com.

Pathological Liar

A pathological liar is usually defined as someone who lies incessantly to get their way and does so with little concern for others. Pathological lying is often viewed as coping mechanism developed in early childhood and it is often associated with some other type of mental health disorder. A pathological liar is often goal-oriented (i.e., lying is focused - it is done to get one's way). Pathological liars have little regard or respect for the rights and feelings of others. A pathological liar often comes across as being manipulative, cunning and self-centered.

Compulsive Liar

A compulsive liar is defined as someone who lies out of habit. Lying is their normal and reflexive way of responding to questions. Compulsive liars bend the truth about everything, large and small. For a compulsive liar, telling the truth is very awkward and uncomfortable while lying feels right. Compulsive lying is usually thought to develop in early childhood, due to being placed in an environment where lying was necessary. For the most part, compulsive liars are not overly manipulative and cunning (see, Pathological Liar), rather they simply lie out of habit - an automatic response which is hard to break and one that takes its toll on a relationship (see, how to cope with a compulsive liar).

Ok, so here's my thoughts.  Each one being questioned at today's hearings are Compulsive Pathological Liars.  It's a combo of both.  For them it's goal-oriented greed driven, with little regard or respect for the rights and feelings of other as well as it's out of habit because telling the truth is awkward and uncomfortable while lying feels right.  And I don't even have a degree but I'm pretty sure I've diagnosed them just with my high school education.  I suppose this could be a diagnosis of all of Congress as well, kick in the Feds and the Treasury and you've got an entire system made up of Compulsive Pathological Liars who are still running this country right in to the big black hole that most of us have come to regard as our Daily Life.

So thanks again Congress for the Dog and Pony Show, I didn't have the money to buy a ticket to fly out and see if I could get a front row seat but I am thankful for being able to afford my crappy ass Internet connection to follow this mockery of proposed justice.  What sucks for me is there isn't any cotton candy or hot butter popcorn for me to munch on since I'm flat ass broke because of this financial mess since its taking all I have to put decent food on the table, keep the heat and electric on for my children and put gas in the car for the husband to go to his job.  But i reckon I'm lucky I can't afford the cotton candy and popcorn because I'm on the verge of evacuating the contents of my stomach just from following this show and it would just have been a waste of a good dollar.

What I'd like to know is where's the midget that should be sitting in Jamie Dimon's lap just like the one that was on JP Morgan Jr.'s lap at the 1933 Pecora Investigation by the Senate and Banking Committee.  Now that would make it a complete Dog and Pony Show and that's funny shit right there I don't care who you are or what you think, politically correct or not, it's still funny shit.