BYBAC Cover ArtThis is both a downloadable e-book and a 3.5” floppy diskette.

The book describes many of the dirty tricks and scams run by banks and dealerships, which the author had personally experienced and investigated while working as a bank employee from 1990 to 2000.

Before your next major financial purchase burns you, spend the time to read this book.   Continue reading “Before You Buy A Car…Dirty Dealer Finance Tricks”

My Budget 360

Leave it to Wall Street to resurrect the subprime loan. This time, subprime has found a comfortable home in the automotive industry. In the car addicted US culture, subprime debt is back in a massive way.Subprime auto debt is the new risky debt product. This is a big deal. $924 billion in total auto debt is rummaging around the economy. What is even more disturbing is that delinquencies on auto debt are surging.Repossessions are up 70 percent because people simply can’t make their auto payments. What do you expect when you are pumping out subprime debt trying to churn more sales on marginal buyers? Most Americans are living paycheck to paycheck so taking on another debt payment isn’t necessarily a wise move. How big is this market? The latest data shows that a stunning one third of new auto loans are in the form of subprime debt. This is telling given that FICO is planning on being more lax with credit scores. Also, it should tell you about the underlying health of the economy when a large portion of your borrowers have marginal credit.   Continue reading “The new subprime is in auto loans: One third of all new auto loans are of the subprime variety. Repossession are up 70 percent.”

Screen Shot 2014-10-06 at 11.05.00 AMLiberty Blitzkrieg – by Mike Krieger

Police confiscating Americans’ hard earned cash, as well as a wide variety of other valuables, without an arrest or conviction is a disturbing and growing practice throughput these United States. Since cops get to keep the seized funds and use the money on pretty much anything they want, the practice is becoming endemic in certain parts of the nation. The theft is often referred to simply as civil forfeiture, or civil asset forfeiture. Incredibly, under civil forfeiture laws your property is incredibly “guilty until you prove it innocent.”   Continue reading ““Common People Do Not Carry This Much Currency” – How Police Justify Stealing American Citizens’ Money”

Newser – by Neal Colgrass

A man who fired a warning shot at his daughter’s troubled boyfriend and told him “the next one’s between your eyes” got 20 years for doing it—and by law has to serve every day of the sentence, CBS News reports. “And I was just like, ‘What?'” says Florida resident Lee Wollard, who insists he was defending his family. “You know, the blood just drained out of my head. I almost passed out.” But the charges against Wollard were serious: child endangerment, aggravated assault, and shooting into a building with a firearm. He was also swept up in a US legal movement known as mandatory minimum sentencing, which appeared in the late 1980s as a way to lock up drug dealers and customers, including first offenders, in America’s “war on drugs.”   Continue reading “Guy Fires Warning Shot, Gets 20 Years”

Top StoriesLocal 21 News – by Sue Manning

LOS ANGELES (AP) — Young people who torture and kill animals are prone to violence against people later in life if it goes unchecked, studies have shown. A new federal category for animal cruelty crimes will help root out those pet abusers before their behavior worsens and give a boost to prosecutions, an animal welfare group says.

For years, the FBI has filed animal abuse under the label “other” along with a variety of lesser crimes, making cruelty hard to find, hard to count and hard to track. The bureau announced this month that it would make animal cruelty a Group A felony with its own category – the same way crimes like homicide, arson and assault are listed.   Continue reading “FBI turns animal cruelty into top-tier felony”

SwingsReason – by Lenore Skenazy

Schools in Richland, Washington, are phasing out playground swing sets. According to KEPRTV:

Swings are blamed for the most injuries of any play equipment.

Richland School District already removed them from some campuses and will phase them out of the rest. Continue reading “Schools Ban Swings Because Everything Is Dangerous”

An Elementary School Teacher had twenty-six students in her class. She presented each child in her classroom the 1st half of a well-known proverb and asked them to come up with the remainder of the proverb. It’s hard to believe these were actually done by first graders. Their insight may surprise you. While reading, keep in mind that these are first-graders, 6-year-olds, because the last one is a classic!   Continue reading “Proverbs the way they “might” have been written”

Tex Marrs

“Though hand join in hand, the wicked shall not be unpunished.”  – Proverbs 11:21

  • What is the #1 product in the world that every industrial nation must have just to survive?Answer: oil and gas.
  • Which nation is the world’s top oil and gas producer? Answer: United States.

“It’s all about oil.” We’ve heard it said a thousand times. But, in fact, it really is about oil—America’s oil; it’s about who owns the oil and about who gets it, and who doesn’t.   Continue reading “Rockefeller and Rothschild Unite”

NBC News – by Alastair Jamieson and Deb Huberman

A family is suing a police department after a traffic stop ended with officers smashing a car window and using a Taser. The episode was caught on cellphone camera by the driver’s 14-year-old son who was on the back seat. Lawyers for Lisa Mahone and her boyfriend Jamal Jones say excessive force was used during the Sep. 25 incident in Hammond, Indiana, which began when Mahone was stopped and ticketed for not wearing a seat belt.

In the video, officers ask Jones, who was in the passenger seat, to show his ID. However, he did not have his license on him. Officers then appear to draw guns and order him out of the car, prompting Mahone to call 911. The video shows police smashing the passenger window and using a Taser on Jones. Lawyers say two children suffered minor cuts from flying glass. The lawsuit alleges excessive force, false arrest and battery. Attorney Dana Kurtz said the lawsuit “seeks to hold police accountable to this type of unnecessary violence can stop.”   Continue reading “Cops Smashed Window, Tasered Passenger in Traffic Stop: Lawsuit”

100518130198Huffington Post – by Kate Abbey-Lambertz

The dismissal of the manslaughter charge against a Detroit police officer who fatally shot a sleeping child will stand, an appeals court ruled Monday.

Detroit Police Officer Joseph Weekley has been on trial for involuntary manslaughter in the death of Aiyana Stanley-Jones, 7, who was killed during a police raid in 2010. On Friday, Wayne County Circuit Court Judge Cynthia Gray Hathaway granted a motion filed by Weekley’s attorney to dismiss the felony charge. The trial was halted while the Michigan Court of Appeals reviewed an emergency appeal of the judge’s ruling. But the court denied the appeal Monday.   Continue reading “Manslaughter Charge Dropped For Police Officer Who Fatally Shot Sleeping 7-Year-Old”

Deputy Police Commissioner Jerry Rodriguez speaks during the press conference held on Friday regarding police conduct at Police Headquarters.The Baltimore Sun – by Mark Puente

The U.S. Department of Justice will conduct a civil rights investigation into allegations of brutality and misconduct by the Baltimore Police Department, Police Commissioner Anthony W. Batts announced Friday.

Mayor Stephanie Rawlings-Blake and Batts requested the probe after a six-month investigation by The Baltimore Sun found city residents have suffered battered faces and broken bones during arrests.

The city has paid $5.7 million in court judgments and settlements in 102 cases since 2011, and nearly all of the people who received payouts were cleared of criminal charges, according to the investigation published this week.   Continue reading “Justice Department to probe allegations of police misconduct in Baltimore”

Daily Mail – by Wills Robinson

Author Naomi Wolf has been accused of being ‘disrespectful’ after suggesting footage of hostages being beheaded by ISIS militants isn’t real.

The 51-year-old American writer made a series of controversial statements questioning the authenticity of the footage in a number of messages on her Facebook page.

The initial post in which the feminist activist questions where the terror group are ‘getting all these folks from’ was deleted.

In another post, she also said that the Obama administration was sending troops to West Africa to confront the Ebola outbreak so they could return with the deadly infection – justifying a military takeover of Africa.     Continue reading “Author Naomi Wolf is condemned for suggesting ISIS hostages are ACTORS and be-headings aren’t real”

Reuters / Amir CohenRT

The Israeli Army fired artillery shells into Lebanon after at least two IDF troops were injured in a blast on the border between the two states, an Israeli security source told Reuters.

An Israeli military spokeswoman had no immediate comment on the retaliatory incident, which took place near the southern Lebanese village of Kafr Shouba.

Earlier reports suggested three Israeli soldiers sustained wounds, but the Israeli Defense Force’s official Twitter is talking of two soldiers being injured.   Continue reading “Israel shells S. Lebanon after border blast wounds two IDF soldiers – report”