Cerberus Going Down: The Hedge Fund, Not the Three Headed Dog

Cerberus Caught By Surprise

Cerberus Capital Management has been swamped with redemption requests with the Wall Street Journal reporting that investors are asking to pull out $5.5 billion or 71 percent of assets from its hedge funds.

Cerberus, founded in 1992 by former Drexel Burnham Lambert Inc. banker Stephen Feinberg, stayed out of the limelight as it focused on buying troubled companies, debt and real estate. It stumbled with its two highest-profile deals: leading separate groups that invested almost $15 billion combined for controlling stakes in automaker Chrysler and GMAC, the former finance arm of General Motors Co.

The firm wrote off the majority of its Chrysler stake as the Auburn Hills, Michigan-based company headed into a U.S. government-orchestrated bankruptcy. Its stake in GMAC was diluted when the Detroit-based lender was bailed out by the U.S. and converted into a bank holding company. They were rare mistakes for Feinberg, 49, whose firm has generated average annual returns of about 20 percent since its inception, according to Neporent.

Hedge funds run by Cerberus Capital Management LP are experiencing massive capital drains as investors flee en masse in the wake of the group’s losing multi-billion dollar bet on the U.S. auto industry, according to a media report Sunday.

Clients are pulling more than $5.5 billion — nearly 71% of the hedge fund’s assets — in response to losses and their own need for cash, The Wall Street Journal reported in its online edition, citing unnamed sources. The redemptions came mostly from other managers who need to pay off investors, according to Mark Neporent, the New York-based firm’s chief operating officer and general counsel.

In a letter to clients late last week, Cerberus Chief Executive Stephen Feinberg and co-founder William Richter wrote that they “have been surprised by this response.”

“We are embarrassed and disappointed by our 2008 performance, and we feel a huge obligation to you to turn this around,” Feinberg wrote in a July 3 letter to clients.

Cerberus asked clients of the funds that suspended redemptions in July whether they wanted to continue their investment with a lower fee. Those who wanted to withdraw would have to wait for assets to be liquidated before getting back all their money, a process that could take as long as four years.

In the nine months ended June 30, investors yanked $300 billion from hedge funds, leading to a sharp decline in an industry that had grown to hold about $1.9 trillion in assets in 2007, according to Hedge Fund Research.

Among the other big-name funds in trouble are ones run by Atticus Capital LP, Pequot Capital Management and Cantillon Capital Management, the Journal said.

The once-high-flying funds got in deep trouble with unwise investments, especially stakes in Chrysler and GMAC as the U.S. auto industry founders in the face of the global economic downturn. Those investments were wiped out when Chrysler declared bankruptcy and GMAC was bailed out by Uncle Sam, The Journal pointed out, and Cerberus was forced to give up control of the latter company.

As if leaving well enough alone weren’t enough for the hedge fund, Cerberus Capital Management LP plans to raise money in the fourth quarter to buy distressed companies and securities. “Institutions and wealthy individuals are still looking to invest with Cerberus, which oversees $24.3 billion, including a $1 billion fund raised last month,” Mark Neporent said.

– Reuters

Please visit my legal website: Las Vegas DUI Attorney
See me on YouTube: Shakaama Live

Disney to Take Over Marvel in a $4 Billion Deal

Disney Buys Marvel

Walt Disney Co. President and CEO Robert Iger called “a great opportunity at the right time,” Disney is buying Marvel Entertainment Inc. in a $4 billion cash-and-stock deal.

The deal would plug a hole in the Disney line-up, rounding out the company’s stable of girl-focused characters: ”Hannah Montana,” ”High School Musical” and ”Wizards of Waverly Place.”

The acquisition comes as Disney, with its vast theme park operations and television advertising business, has been struggling because soft advertising sales at ABC and ESPN and drooping consumer spending at Disney World. Disney’s profit in the third quarter dropped 26 percent.

Over all, Disney’s net income fell to $954 million, or 51 cents a share, from $1.28 billion, or 66 cents a share, in the year-ago period. Revenue fell 7 percent, to $8.6 billion. Earnings per share for the current quarter included a one-cent restructuring charge related to an accounting gain. Excluding that charge, Disney narrowly beat Wall Street’s expectations.

Under the terms of the deal, Marvel shareholders will receive $30 cash and 0.745 shares of Disney stock (NYSE: DIS) for every share of Marvel stock (NYSE: MVL) owned. That values each Marvel share at $50 based on Friday’s, August 28, closing stock price for Disney.

At closing, the amount of cash and stock might be adjusted such that the total value of the Disney stock issued is not less than 40 percent of the total merger consideration, based on its trading value at that time.

Both boards of directors have approved the deal, which is slated to close by the end of the year.

Shareholders at Marvel will need to approve the transaction.

On a conference call with investors, Disney said that the deal will be accretive to earnings in two years.

Disney also said that the deal will result in the issuing of 59 million new shares, but Disney would enter a buyback program to repurchase the same amount of shares during the next 12 months, as to not dilute stockholder value.

The deal gives Disney ownership of Marvel’s portfolio of more than 5,000 characters, which include such iconic characters such as Spider-Man, The Incredible Hulk, the Fantastic Four and the X-Men, many of which have been turned into successful movie franchises in recent years.

Current Marvel Licenses Still Upheld

Disney will continue to honor the distribution deals in place for Marvel films, such as Paramount Pictures’ deal for the “Iron Man” franchise, for the duration of the agreement.

“This transaction combines Marvel’s strong global brand and world-renowned library of characters including Iron Man, Spider-Man, X-Men, Captain America, Fantastic Four and Thor with Disney’s creative skills, unparalleled global portfolio of entertainment properties, and a business structure that maximizes the value of creative properties across multiple platforms and territories,” said Robert A. Iger, President and Chief Executive Officer of The Walt Disney Company. “Ike Perlmutter and his team have done an impressive job of nurturing these properties and have created significant value. We are pleased to bring this talent and these great assets to Disney.”

“We believe that adding Marvel to Disney’s unique portfolio of brands provides significant opportunities for long-term growth and value creation,” Iger said.

Ike Perlmutter to Make a Fortune in Disney Deal

Marvel Chief Executive Officer Ike Perlmutter will oversee the Marvel properties. Disney’s officers on the investor call reiterated that Disney is not looking to gut the company, or slap Disney’s name on Marvel’s products.

“The goal here is not to rebrand Marvel as Disney,” Iger said.

“Disney is the perfect home for Marvel’s fantastic library of characters given its proven ability to expand content creation and licensing businesses,” said Ike Perlmutter, Marvel’s Chief Executive Officer. “This is an unparalleled opportunity for Marvel to build upon its vibrant brand and character properties by accessing Disney’s tremendous global organization and infrastructure around the world.”

Marvel Entertainment began in 1939 as a comic book company called Timely Publications. It has since become one of the largest character-based franchises in the world, with a proprietary library of over 5,000 characters including The Incredible Hulk, Captain America, The Avengers and the X-Men.

Ronald O. Perelman acquired Marvel in 1989, but the company filed for bankruptcy protection seven years later, setting off a drawn-out takeover feud between him and a group of bondholders led by Carl C. Icahn. In the end, Mr. Perlmutter gained control of Marvel through his company, Toy Biz, and Mr. Perlmutter owns about 37 percent of Marvel’s stock, according to Marvel’s latest annual filing with regulators.

Marvel now has three main divisions: a licensing arm, which sells the right for other companies to use their proprietary characters in movies and promotions; a publishing arm, which makes the comics and books based on their characters; and a film production unit, which makes movies for some of their characters.

The film production unit is a relatively new venture for Marvel. The company originally licensed its characters to the big movie studios, but beginning in 2005, Marvel entered the movie-making business with the construction of a $525 million film facility.

Perlmutter will bring in a handsome payday from the deal. According to Marvel’s last DEF 14A statement with the U.S. Securities and Exchange Commission, which was filed March 24, Perlmutter is Marvel’s largest shareholder, controlling more than 29 million shares, or 37.21 percent of the company, through direct ownership, stock options and trusts.

Perlmutter’s stake will bring in about $881 million in cash after the close of the deal, as well as 21.878 million shares of Disney stock, which based on Friday’s closing price of $26.84, would be worth some $587.2 million.

Disney said the acquisition will hurt its earnings per share by a mid-single digit percentage in fiscal 2010. They expect the impact to be positive by the time 2012 rolls around, fueled in part, they said, by 59 million new shares and also by a number of new Marvel Comics-based movies: “Iron Man 2,” “Spider-Man 4,” “X-Men Origins: Magneto,” “X-Men Origins: Wolverine 2″, “Thor” and “The First Avenger: Captain America.”

Please visit my legal website: Las Vegas DUI Attorney
See me on YouTube: Shakaama Live

Are Gays really Seeking Equality in "Marriage"?

due to gay outcry I have been forced to take this story down that presents legal arguments FOR and against gay marriage down.

Regardless of  the actual content of the article, apparently just mentioning gay is now grounds for lawsuit and corporate backlash.

China’s Economy Booming: The Biggest Liar

Don’t Believe the Hype: Why Chinese Economic Reports are False

All the buzz now are the official numbers coming out of China. The economy is booming and will hit an astounding economic growth target of 8%. Its GDP growth spiked to 7.9% up from 6.1% in the first quarter. These last two quarters promise a possible even high growth rate. Of course in the global economy China is nearly the only one growing.

However, these figure are the “official” numbers out of China. Official figures don’t always tell the true story. Also an economic recovery there might be a double dip instead of a V shape. Everyone is reporting that there is a strong possibility that China’s economy will slip back down after their stimulus erodes. The official figures did not even include the private sector employed. That’s some 60% of the population not covered by official numbers.

China still needs to create 12 million new jobs and the stimulus did not offset the complete impact of the financial crisis.

Figures are also coming out that the stimulus was wasted by speculation: this is evidenced by stock price spikes and real estate explosions. Like America this is simply creating a bubble. When the smoke clears the banks will once again be sitting on a big bubble of bad debt, which is counter productive to bringing the economy forward.

What is known about the official figures is that that same 7.1% GDP growth included a staggering 6.2% state-directed investment. The second quarter saw no change. They are concerned that consumer spending will remain tight through the last two quarters and the state coffers will be emptied.

CNBC the Worst Source for News

These are the facts. The numbers are real. It’s people like Maria Bartiromo that report just completely false information that makes me angry. She reports China’s Economy is Booming. What is her learned conclusion? She reports that the stimulus package reached the common Chinese man. According to all my sources, the stimulus package there was virtually the same as it was here: it was given to the rich and higher ups. It never reached the common man at all. But she, like most on that horrible channel, didn’t bother to do any research or worse went with the official story.

If you actually listen to CNBC or worse, make your investment decisions based off of a t.v. program then you are the moron. I may blame CNBC for trying to come across as financial journalist, but I carry a bigger stick for boobs that listen to them [pun intended].

Please visit my legal website: Las Vegas DUI Attorney
See me on YouTube: Shakaama Live

Bigger Government Smaller Citizens

The Story of the Government

There were 5 brothers. They all lived with their father and had no mother, since she died shortly after giving birth to the last child.

There was a fat brother. He was a middle child, and if you know anything about middle children, he took no guff from anyone, because middle children are left to fend for themselves by parents. He was fat and large, larger even than the eldest brother. No one ever got in his way, but he didn’t much bother with the other boys. He had a bad habit however of sleeping all the god damn time. I annoyed the younger boys to no end, because he was their protector against the older boys. However, the older boys knew if they gave the fat one sweets, he’d fall asleep 30 minutes later. The older boys were in charge of the allowance money so they always bought sweets for the fat one, just to keep him in a coma all the time. They wanted to watch something the fat one didn’t – they fed him sweets. And, he could sleep through a hurricane.

The two older boys were no good. And they were always up to no good against the two younger boys. There was an evil older boy, he was the 2nd to the oldest. And, there was the eldest. He wasn’t evil per se, but he was always conniving of how to rule over all the boys, even to the point of going against the fathers wishes and constantly breaking his rules.

The two younger boys never had a chance. There was the 2nd to the last who always thought something fishy was going on, but he was too young to put two and two together. Then, finally, there was the youngest and they gave him hell.

The biggest thing they argued over was the car. The father left on business trips and would be gone for two whole weeks at a time. When he remembered to, he’d ask his brother, their uncle, to check in on the boys. The two older boys knew exactly: when the father would leave; how long he’d be gone; and exactly when he’d return. The two younger boys were so young, they had no concept of time, in real terms. They understood tomorrow and today and that’s about it.

How this all started was by accident. The youngest boy was hungry one day and asked the eldest to cook. The eldest was busy playing a video game and got angry and told him to take the car and go get burger king. The youngest, at least knew that the father would never allow this. The eldest, feeling all powerful said he was the eldest and what he said goes. So, the youngest hopped in the car, drove to burger king and got food.

When the second to the youngest came home and found burger king he thought something was wrong with the picture. However, the youngest was grinning ear to ear and eating, and brought enough food for everyone to eat. Even the fat brother woke up and ate. Had he thought about it, he would have known something was wrong, but he was so dazed from just waking up and the food just made him go back to sleep.

Well, the next time the father left, the same scenario happened. However, the eldest knew that if the youngest got caught, it would mean big trouble. Mind you, the youngest was a tall kid of about 5 ft, so no one would suspect anything if they dressed him up. And, that’s exactly what they did. They dressed up the youngest and he went to buy food everyday through the drive-through.

The evil brother thought they had been getting a free ride for long enough. He started exerting his authority over the youngest. He had him serving him hand and foot. And, he threatened that if he was ever mad at serving him he’d tell the eldest to stop letting him go get food. He told him that the father gave both of the eldest money and that without his money there would be no food, so even if the eldest gave him money, there still wouldn’t be enough to last more than a day.

Any time the uncle came to check on them, he never noticed anything odd. But, then again, he never asked any questions. All he really cared about was whether the house had burned down and that everyone alive and healthy, at least to his eyes.

Well one week the father came home and the youngest was fat and sick in bed. The father didn’t think to ask why he was fat all of a sudden, but he trusted the eldest to take care of him. The eldest assured him he’d take care of him being sick. He had even called a doctor.

The father was so relieved he had such a dependable son. But, the father never noticed that the 2nd to last was never around when he came home. He was always told that he was over a friends house that the eldest knew and had met and approved of.

In reality, the 2nd to the last son, the honest one, had finally figured out what was going on. He was mad that the eldest would disobey his father and he was afraid that the youngest would get thrown in jail or worse kill himself driving the car. Anytime he came home though, the eldest would call one of the youngest boy’s friends and tell them to invite him over to spend the night. This went on for months. Finally, when he did come home he was so exhausted that he slept as much as the fat brother. In fact the honest brother and the fat brother were kept apart at every turn.

I wrote this story to illustrate how the U.S. government is acting, and has been acting. If you can figure it out, you’re way ahead of the game. For those who can’t figure it out I’ll explain it in detail.

1. the father is the constitution
2. the uncle is the supreme court
3. the eldest brother is the legislature/executive branch
4. the 2nd eldest is big business: oil / banking / organized crime / pharmaceuticals
5. all 3 younger brothers are the U.S. citizens
a. the fat brother are the middle class
b. the 2nd to last are the conspiracy theorist and constitutionalist i.e. Libertarians
c. the youngest are the poor

I bet you’re surprised by number 5. This is exactly how it is. The middle class outnumber everyone else. But, although they have some of the most educated of the population among them, they still can’t see what’s right in front of their face. They are the sleeping giant. If they ever woke up, there would be hell to pay. However, they are constantly struggling to get into the number 2 position, of big business.

The conspiracy theorist, who are generally written off as quacks actually know what’s going on, but try as they might, the middle class won’t listen to them, or the media quiets them down so much that the middle class never get a chance to hear them.

The libertarians are also written off as quacks, or are squelched as much as the conspiracy theorists. While the libertarians are screaming constitution constitution, the middle class doesn’t hear them. The libertarians say: “show me in the constitution where the government has the authority to pass a welfare act.” The middle class simply assumes that since it’s already there, it must be right, i.e. the fat kid woke up and ate the burger king, no questions asked. I’ve heard people say, I’m against welfare and these socialistic programs, but by god, I lost my job, thank god they’re there. It’s the fat kid eating the burgers in a daze. He knows something is wrong, but he eats the burgers anyway.

Now the youngest was the poor. The poor know they shouldn’t be getting a free ride. The poor know they are taking money out of the pockets of millions of hard working people, but they don’t remember “that the eldest can cook at home.” That’s right, if the eldest did what the father said “the constitution”, no one would be in trouble to begin with. Everyone is deathly afriad to let go of the social programs. In fact they are so afraid that they say stuff like “are you saying you want my grandmother to die, if you removed medicare?” They actually think that without welfare and medicare and medicaid and these prescription drug programs, that people would all shrivel up and die.

In fact, the middle class thinks this as well. it is only the 2nd to the last brother that even realizes there was a time when there were no welfare, medicare, medicare, prescription drug, farm subsidy programs. And, the government was tiny and didn’t collect any taxes. Only the 2nd to the last brother remembers this.

Only the 2nd to the last brother remembers that donations to charitable organizations were through the roof way back when, and everyone was taken care of.

Only the 2nd to the last brother remembers that there were “homes” everywhere, for everyone: the poor; orphans; unwed mothers; the mentally ill; the elderly. Everyone had a place to go and nearly no one was on the street. In fact social security didn’t even cover workers comp and the mentally ill until the past 20 – 25 years. So all those people were taken care of by somoene else too. And, that’s recent history. That’s not no 80 years ago.

Only the 2nd to the last brother remembers that only rich people had insurance for medical conditions. The middle class and the poor just went to the doctor and paid out of their pocket, or paid nothing because the doctor could afford to treat people for free.

Only the 2nd to the last brother remembers doctors making house calls, as the normal thing to do. Because back then general practitioners made a decent living and didn’t have ridiculous medical school loans to pay off, due to the government getting involved in guaranteeing student loans and allowing schools to jack up the prices every year for the past 50 years.

If you buy into the lies that the news tells you, you’ll be just like the last brother. The government goes against the constitution and you’re are in cahoots with it. If there was a body of government who penalized people for breaking the constitution, but the government would go to jail, and you’d go too for accepting the hand outs. It’s just like buying stolen goods, you both go to jail.

There is a complete different option than what exists today. We don’t need welfare. We don’t need medicare. We don’t need state run schools. We don’t need farm subsidies. We don’t need prescription medication subsidies. We don’t need.. *gasp* oil subsidies. [is that crazy? the oil companies need a hand out every year? who thought that one up?] And, you don’t need to pay taxes for all of these things. You don’t need to pay mandatory insurance.

In fact if you got rid of all the insurance you pay – medical / home / car – how much more money would you keep each paycheck? How much money would you keep in your pocket if we got rid of all of these social programs? Recently there were these bailouts and they gave and exact figure for how much each American would be paying in taxes to pay for the bailout – $3,000. Now imagine if you would, that each of these programs, that we currently have, was eliminated. Currently they each carry a price tag similar to the bailouts. So you would be saving about $3,000 a year by eliminating each program. So that’s: welfare – $3,000; medicare – $3,000; medicaid – $3,000; Corn subsidies – $3,000; Social Security – $3,000. So that’s $15,000 a year you’d be saving from the top social programs. Add in insurance – the median is more like $5,000 and that’s a cool $20,000 a year… yes PER YEAR, you’d be saving and actually making.

Don’t brush off that number like it’s unrealistic. Remember we didn’t have those programs before. In fact people didn’t pay taxes either. So had we continued in that vein, the national median household income, in today’s dollars when you account for the income 90 years ago, should be about $70,000 a year. Does that seem crazy to you? It’s simple math. Take what the national house hold income was in the 1920’s and bring it forward to 2010. I guarantee you it’d be $70,000. But you’re making, on the median, $50,000. That’s household, everyone in your house, together.

With that in mind, now when you go to the polls, when you go to town hall meetings, when you watch the news, realize there is another choice. And, vote according to what is right and just, not just by the constitution, but by what’s right and just for you personally. I don’t think anyone would want to pass up an extra $20,000 a year. I could care less what your politics is. And, if you are one of the rare few idiots that want to give away your money, that’s fine, but do right by your poor broke neighbor and don’t let them take away HIS $20,000 a year. If you want to give your away, that’s your personal option, but fight for your option to do that, don’t fight for the government’s option to take everyone’s away.

Remember, some people have different situations.

I had a guy tell me he’d prefer the government take the money and take care of the poor. What he failed to realize is that when the government takes, it takes away from the people who desperately need that money, like people taking care of a sick parent; or people taking care of a crippled child; or people who take care of abandoned nieces and nephews. So because he felt generous, he turns around and breaks half of the families in his neighborhood, who’s situations he didn’t know, or even care about, apparently.

Please visit my legal website: Las Vegas DUI Attorney
See me on YouTube: Shakaama Live

In Plain English: Single Payer Health Insurance

Single Payer Health Insurance

There is a huge debate raging over health care and health care reform. People throw around terms that no everyone knows. Namely, because most Americans are not sick and don’t deal with the medical community on a daily basis. Today I’d like to discuss one of the terms being thrown around: Single Payer Health Insurance.

The president and all members of the legislature all have single payer health insurance already. And, they’ve had it for years and years.

I’m not one to mince words, and I like to keep everything in perspective. I am by no means a bleeding heart and seek ultimately that no one pays taxes. Our government was not put in place to run our lives and does not need trillions of dollars to run itself. Let me then first say:

Passing legislation regarding health care is unconstitutional. Congress, and the president do not have the constitutional authority to pass such laws.

Putting things in perspective. In a previous post I said that 50 million Americans were uninsured for health care. I am one of them. The politicians throw out this number to scare you. Then they say that these people die without health care. That actual number is 22,000 unnecessary deaths each year due to uninsurance. I want to just put that in perspective. That is a tiny number. It is an insignificant number compared to a population that grows by millions each month. There are several million people that enter the United States each month; or are born each month. 22,000 people dieing from being uninsured is so statistically insignificant to not even warrant the scare tactics they use. Notice they never tell you that number? So then if only 22,000 die in an entire year from being uninsured what do the other nearly 50 million people do without insurance? They pay for it out of pocket, that’s what.

But I digress… Let’s move on to single payer health insurance.

Single payer health insurance is a system by which the health care expenditures of an entire population are paid for through one source – the Federal government or a subcontracting entity – using tax revenue from individuals and employers.

In essence this would be national insurance. Note that this is not national health care. Note this is not national medicine. This only covers the insurance costs.

Distinctly different from socialized medicine, whereby the government owns and operates health care facilities, a “single payer system” is simply a financing mechanism. The government collects and allocates money for health care but has little to no involvement in the actual delivery of services. Care is provided privately at hospitals and clinics but paid for publicly.

I think the power to pay a bill is the power to dictate to you how that bill is paid, i.e. although it says now it will not dictate how the medicine is delivered or who to receive it from, just give it a month.

Individuals are allowed to choose their providers, and physicians are either compensated on a fee-for-service basis or paid salaries by hospitals that receive an annual global budget or by nonprofit health maintenance organizations.

In essence this would simply eleminate your insurance company. You would still go to the same doctor or hospital. Single payer health insurance is just how those people would be paid.

All medically necessary services are covered by the insurance, including primary care and prevention, prescription drugs, long term care, mental health, substance abuse treatment, dental services, and vision care.

Supposedly you can no longer be turned down for a pre-existing condition. You could be treated for anything you have and it includes not only medical, but dental and vision as well.

Services are delivered based on need rather than on ability to pay. Coverage is uninterrupted and equal for everyone, thus ending the dependency of health care access upon employment status.

You would have the option of keeping your employers insurance or opting into the national insurance. Be careful here. Currently you are being paid less at your work so that companies can cover your insurance. If your company dropped the insurance, would they pay you more? That’s another drawback to this.

Single payer health insurance would save money by vastly reducing administration and paperwork and by giving the Federal government bargaining power to procure medications in bulk. Even more significant than the savings that a single payer system achieves are the universal coverage and comprehensive benefits it provides, thereby realizing the right of every person to quality health care.

I don’t buy this. But, currently 30% of the money paid into health care right now goes to pay salaries, administation and profits of insurance companies and has nothing to do with health care. Would a national program eleminate this expenditure? Not likely, unless instead of making and agency they just made a computer to process it. Which, they actually could do. Half the time banking today is done 40% of the time just through computers and no human is needed.

Hospital billing would be virtually eliminated. Instead, hospitals would receive an annual lump-sum payment from the government to cover operating expenses—a “global budget.” A separate budget would cover such expenses as hospital expansion, the purchase of technology, marketing, etc.

Now this is true. Instead of hiring a huge adminstrative staff at each and every hospital, they could have the nurse swipe your card and the rest of it would be pure doctor patient interaction. They could then afford to hire more doctors and nurses.

Doctors would have three options for payment: fee-for-service, salaried positions in hospitals, and salaried positions within group practices or HMOs. Fees would be negotiated between a representative of the fee-for-service practitioners (such as the state medical society) and a state payment board. In most cases, government would serve as administrator, not employer.

In essence doctors would not have to worry about administration themselves. This would simply continue the same compensation avenues it does today. Already big corporations hire doctors, or small companies or private practices.

The program would be federally financed and administered by a single public insurer at the state or regional level. Premiums, copayments, and deductibles would be eliminated. Employers would pay a 7.0 percent payroll tax and employees would pay 2.0 percent, essentially converting premium payments to a health care payroll tax. 90 to 95 percent of people would pay less overall for health care. Financing includes a $2 per pack cigarette tax.

In essence they are saying, doctor visit, hospital visit, swipe your card and you’re done. However be careful this doesn’t lead to a national I.D. card whereby they can track your every move and your constitutional freedoms are completely removed. This entire system is a very slippery slope.

For Profit Healthcare Insurers

More facts:
The insurance lobby spent $512,042,660 in 2008. In May of this year, 2009, they spent $1 Million in advertising alone.

They do not want a single payer as an option. It would completely cut them out. However current health insurance usefulness is obsolete. Health insurance should only be used for catastrophic health treatment to begin with. The current health insurance industry is hugely wasteful. They seek to optimize profits at the expense of the patients.

Understand this: another fact – health insurers do not pay for the truly sick in this country. We tax payers do. They dump off all sick people on the government under the medicare program and the tax payer pays for it.

This is what no one is talking about.

As far as I’m concerned health insurance companies have outlived their usefulness and are now just vultures feeding on people and taking their monthly premiums. They grow those premiums each and every year. If someone tells you otherwise, they are just ignorant or lying to you.

Please visit my legal website: Las Vegas DUI Attorneys
See me on YouTube: Shakaama Live

Is Health Care a Right or Privilege?

Health Care: A Human Right or Payable Privilege

There is a raging health care debate going on right now. We have a grand melee being played out in the national news and in congress. We see before us in the arena “conservatives” fighting against “liberals”. When in fact they are both being paid for by health insurance.

Fact: The health insurance lobby paid out $512,042,660 in 2008.
Fact: in May of this year 2009 they paid $1 Million in advertising alone.
Fact: no one who sits on the congressional board debating the health care issue can propose a solution without health insurance as not being in the option.

It occurred to me that you hear a lot of American Medical Association [ which only represents 36% of all doctors ] being put forward as being for or against various parts of the debate, all with health insurance as the end option.

Before you can tackle any of these debates you have to answer one single question:

Is health care a right given by God or is health care a privilege you have to pay for out of your own pocket?

Once you answer that question it separates everyone in the debate. Those who believe it’s a right stand to the left and those who believe it’s a privilege stand to the right. We are consistently putting the carriage before the horse. You can’t have a real debate about health care reform without first knowing where you stand on that single question.

I’m going to go out on a limb and make some assumptions about those who would answer that question.

If Health care is a privilege

For those that feel health care is a privilege, they are essentially saying that, you must pay your own way for health care. In whatever form that takes is immaterial. The fundamental principle is your health care is coming out of your pocket, either paid for on your behalf or directly out of your pocket. These people would also believe that providing health care is a business and should be run at a profit. Medical schools are a business and should operate at a profit. The cost of medical school then by its nature assumes that since health care is a business and one that generates lots of money then going to medical school is a privilege and thus the cost to go to medical school should reflect the high cost of this profession. Of course the medical schools then charge according to their own prestige. Either the privileged would go to medical school or those willing to go into tremendous debt. As such doctors coming out of medical school more often that not would have this huge debt they have to pass on to their customers / clients i.e. patients. This is the essence of the health care is a privilege mind set. You must pay and you get what you pay for.

A dark side of this is that, since you think health care is a business, you would never do anything to hurt the business. You would influence food manufacturers to continuously degenerate food products. You would influence drug manufacturers to not produce remedial medicines, but only treatment systems. You also would make absolutely sure that prevention is never mentioned nor made popular. You would get your fingers firmly grasped around government so that health care was always subsidized and health care costs could rise unchecked. You would make sure the insurance industry was also in on the game and for the advancement of pricing and not prevention of prices.

I don’t point out the dark side of this side of the question of privilege as being bad, but it’s just as factual observation.

If Health Care is a God Given Right

For those that feel health care is a right, the question then falls to the question of payment. They feel that it is unfair that someone suffering from a catastrophic illness should have to reach into their own pocket and pay for it. They feel that the exorbitant fees could render most people completely insolvent and they think that is unfair and unjust. They don’t think payment should come out of pocket for your own personal health care. They think that we all should share the burden for health care. Essentially the young are paying for the old.

While I mentioned a dark side to health care as a privilege, it is not true to say that health care as a right is the exact opposite and doesn’t share the dark side of health care as a privilege. In a perfect world it would, however that’s not the reality.

Why? Because the people manipulating the system is on both sides of the fence. Nationalized health care is nearly dead in America. This shows you exactly who’s in control of the debate. If health care were a true God given right, then those promoting it would feel: prevention would be the primary focus of medicine; complete cures would be the next important focus of medicine and pharmacology; there would be no treatment systems; cures would be the focus of all pharmaceutical research.

Sadly if those were the true tenants of health care as a right, the medical industry would rebel. I’ll say this right now: there are cures for aids; there are cures for cancer; there are prevention for cancer. No one in the industry wants to reveal it because those two together account for trillions of dollars in revenue each year.

Personally I am not on either side of the fence for this question. I really don’t know what to think because regardless of how you fall on the question there is no one fighting for the right of people to live without tyranny. If you understood that sentence you’re ahead of the game.

Please visit my legal website: Las Vegas DUI Attorney
See me on YouTube: Shakaama Live

10 Things You Need to Ask Before You Marry Her

Before You Get Married to Her Money

Here’s a quick quiz you need to ask your “soul mate” before you even pop the question. The reason for this, is that so many young people ruin their credit, right at 18 and then take 30 years to get it right. With that in mind then, could you be walking into a financial mind field? Oh you bet. You are damn skippy.

It would be wise, it would behoove you, to quiz the person about their money, before you go that “next step”. It could be a massive fall financially, if you tie the knot, and her creditors come after you. Or, you were planning on buying a house right after marriage, and BLAMMO!! her credit is so bad you can’t get a decent rate, or worse, a loan.

I knew a girl who was so far in dept and her attitude was just so … childish that it boggled my mind. She had a car; wrecked it; still owed on it; let it default; then went back to the same company and they tacked on both car notes to her car. So in essence she was paying for two cars while driving one, she was upside down in the car. And, she didn’t even care. She thought it was funny. She was already married at the time. I can’t imagine what her husband thought. I didn’t know him, nor never met him.

By that example, and some women just use “I’m only a woman” as an excuse to not deal with financial matters. I can’t count the times I’ve heard, “oh my husband takes care of all of that.” And, when he dies? She has no clue what to do.

The Preengagement Quiz

10. You receive a credit card in the mail. It says “free” and “you were preapproved.” What do you do with it? The correct answer is – send it back.

9. You see an ad on t.v., at night, selling something you were actually going to go shop for the very next day, and it’s $10.00 cheaper, even after shipping and handling. However, the company gives a P.O. BOX address. Do you order the product off the T.V. The correct answer is – go buy the one at the store.

8. Your cousin / nephew / niece asks you to co-sign on a car. You haven’t seen them in a few years and you have no idea if they have a job. Do you co-sign the loan? The correct answer is – no.

7. Do you have a savings account?

6. Do you have a C.D.? [certificate of deposit]

5. How many cars have you had, and have you ever paid off one, and is the current one paid off or payments up to date? You should never, ever pay for another human’s car expenses. If they can’t pay for it themselves, that’s a warning sign to leave.

4. Her living situation might be temporary so it’s not adequate to ask about that. However, the ideal woman may be purchasing a house. If she is renting however: How much is your rent? How much do you make? Is your rent current? You should never, ever pay for another human’s living expenses. If they can’t pay for it themselves, that’s a warning sign to leave.

3. You live one block away from a ritzy yuppie grocery store and one block away from a dollar grocery store. Of course the food at the dollar grocery store is rather bland, yet healthy. You need a better car to get ahead at your job, since your boss sometimes asks you to drive him / her to staff meetings. Do you scrimp and save and buy from the dollar store? The correct answer is – yes.

2. The latest magazines have crowned bubble bottom jeans as the must have jeans of the year, however, they cost $250. You know some shoes that would match but they cost $213. Your friend is having a party next weekend, and they are always getting on you about the clothes you wear. So far you have $800 [ask her] saved up in your bank account. Do you go buy the jeans and shoes and surprise your friends? The correct answer is – no.

1. If you lost your job today, and had no family, and couldn’t get welfare, and couldn’t get unemployment, could you go an entire year without finding work, from just your saving account? The correct answer is – yes.

If the girl that has caught your eye, answers any of these questions incorrectly, my advice is to move on. I’m sure love is a great thing and all, but being financially miserable is setting yourself up for a divorce. Those are just cold hard facts. More people get divorced over money than any other subject.

Since you’re an adult, think like an adult. If you are going to dedicate yourself to a woman, it’s not just physical. When you get married you are agreeing to: dedicate your body; dedicate your mind; dedicate your soul; dedicate your time; and dedicate your pocket book. If you are going to mix your pocket book, you have to know what you’re getting into. If the person is just starting out financially, then you have to know how they think about money.

If you have $10,000 in savings it makes no sense to marry a woman that has none. You’re not equal and the marriage would be awkward. Keep in mind $10,000 isn’t a whole lot of money. But such a small amount is the difference between someone who makes a salary and someone who works hourly. Such a small difference is the difference between someone who doesn’t have leisure time, nor leisure money and isn’t used to neither one.

I’ve had friends and I mean a lot of them, whom if I said let’s go see Batman and stop for a burger on the way would say “I don’t have money”. They didn’t mean they were saving their money and didn’t want to waste it on lunch and a movie. They meant literally they didn’t have that much money to spend. Ultimately I had to get a new group of friends. I couldn’t be “friends” with people I couldn’t hang out with on my level.

Just as you see “lifestyles of the rich and famous” those people wouldn’t hang out with me. Nor, could i hop on a jet and meet them in Paris. These are just financial facts.

Don’t let your mouth write a check your behind can’t cash. Don’t get all head over heels in love with some girl AND THEN after the fact find out she’s not only broke, but so deep in debt, it affects your credit.

Please check out my legal website: Las Vegas DUI Attorney
Watch me on YouTube: Shakaama Live

Naomi Sims: The First Black Supermodel Passes on at 61

Story of a Black Supermodel Naomi Sims

[I include this story for my own selfish reasons, so we never forget the Black pioneers who have gone on. I used to model and still am looking to get back into it. So I’m sure this lady paved the way for me as well.]

Naomi Sims, among first black models, dies at 61.

(AP) – April 2nd
NEW YORK — Naomi Sims, the fashion model who in 1968 became the first black model to appear on the cover of Ladies’ Home Journal, has died. She was 61.

Sims, said by some to be the first black supermodel, died Saturday of cancer in Newark, N.J., her son Bob Findlay told The New York Times. It had been decades since she left the runway to become an author and launch her own beauty empire.

Sims attained success at the same time that the “Black is Beautiful” movement was taking hold, and her accomplishments as a barrier-breaking African-American model helped pave the way for the black runway stars of the 1970s, including Pat Cleveland, Alva Chinn and Beverly Johnson.

Sims often spoke of her difficult start — as a gangly foster-care kid in Pittsburgh who towered over the other children in her school. In 1966, she came to New York City to attend the Fashion Institute of Technology on scholarship.

When she began approaching modeling agencies, she was turned down again and again — with some telling her that her skin was too dark. Instead of giving up, she pushed forward and approached photographers directly.

The approach landed her the cover of the Times’ August 1967 fashion supplement. She used that photo to market herself directly to advertising agencies, and within a year she was earning $1,000 a week and appearing in a national television campaign for AT&T. Before long, she was modeling for top designers.

Sims gave up modeling after five years and launched her own wig-making business geared toward black women. She eventually expanded the multimillion-dollar business to include beauty salons and cosmetics, and she wrote “All About Health and Beauty for the Black Woman” and other books.

Sims was born in Oxford, Miss., in 1948. Her parents divorced soon after she was born and her mother moved Sims and her two sisters to Pittsburgh.

Besides her son, Sims is survived by a sister, Betty, and a granddaughter.
Information from: The New York Times, http://www.nytimes.com
Copyright © 2009 The Associated Press. All rights reserved.

Black Women Dogging Black Men and Singing About It

Hate Against Black Men

There is a lot of hate speech, being put forth by women these days, started mainly by white women. Black women and the media have picked up this mantra. The notion is that they were so downtrodden, by men that they had to start a movement. The original version was women’s suffrage. Don’t get me wrong, women’s suffrage is a great thing, however the movement was hijacked by nefarious individuals who had a much broader, yet hidden agenda that had nothing to do with the political and financial equality of women.

Understand me, I am for the political and financial equality of women. Period! However, there are those who have taken it so far and their purpose is clear, they want the subjugation of men. Imagine how pissed I am when I open a door for a total cunt and she stops and turns to me and screams, “I can open the door for myself.” What this cunt doesn’t realize is that gentlemen open doors for each other too, not just cunts with no home training. But, I digress.

It’s one thing to say you fight for the equality of women. It’s an entirely different thing to say that men are no good and need to be under your thumb and men must be attacked at every opportunity.

I present to you the latest inference of this. The degradation of the Black man in America. This mantra of hate versus Black men has been started since slavery. It originally was started, of course, by the male slave masters to keep their own wives in check. They not only enslaved Black men, but then turned around and said they were less than human, unfit for compassion, besmirched by God [mormons said this, no Black person should ever join that church, if you do, you’re an ignorant fool and doomed for hell anyway], and equated to animals. The white woman was then made to hate the Black man and then thought it was her own idea that Black men were animals. Meanwhile in Europe, Black and white people began to marry. These ignorant white women then, thinking they had come up with the idea that Black men [and women] were animals, unfit to live, carried this hatred on through the decades.

Black Women Back Stab Black Men

By the time women’s suffrage came along, the ones who took over the movement with their “men are to be hated”, this notion of Black men being animals resurfaced. From the time of women’s suffrage to present day they’ve had this mantra. Finally Black women, who were brought into this den of lies and deceit, were told this mantra of Black men are animals. What’s sad is, they bought it. Even when Black Americans were having a power struggle in the 60’s, Black women started speaking out against Black men. Talk about a back stab. At the very time that we as a people were trying to get our “come uppins”, Black women started with their hate speech against Black men. I’m sure it was whispered into their ears by those white women in the women’s liberation movement. There were Black women making speeches against Black men, poems, books. If you got a problem with your man, that doesn’t mean you go and air it in public. It would be one thing to have a problem with one Black man and then air it in public. No! These women said it was all Black men. The worst were the very public figures, like authors, poets and singers.

I’m giving these women the benefit of the doubt. Meaning, I’m assuming they actually had a real life problem with one Black man at some point. But, as sure as I’m Black, I bet these were just hatemongers that wanted to: start mess; sell books; sell records. The really obvious women who had it hard didn’t turn around and make it into a hate Black men campaign: Tina Turner for example. (and her records are still selling like hot cakes)

Songs That Dog Black Men

In modern times, it is the white media that started this mantra of “Black men are no good”. Stupid Black women fell for it and picked it up and now say it themselves. Even major Black singers say this nonsense:

  • Gloria Gaynor – I Will Survive
  • Sunshine Anderson – Heard it All Before
  • Rihanna – Take a Bow
  • Gwen Guthrie – Aint Nothing Going On But The Rent
  • Syleena Johnson – Guess What
  • Erykah Badu – Tyrone
  • Jazmine Sullivan – Bust Your Windows
  • Destiny’s Child – Jumping / Bills Bill Bills / Bugaboo
  • T.L.C. – No Scrubs
  • En Vogue – Never Gonna Get it
  • Blu Cantrell – hit em up
  • Beyonce Knowles – All the Single Ladies, Irreplaceable

Stop, let’s talk about that song Irreplaceable for a second. The song was written and sung by a white woman and Beyonce picked it up and sings it to Black men. This is the exact thing I’m talking about.

Half the time, no actually 90% of the time, the artist doesn’t even write the song. So, who could be writing the songs? Obviously the music industry is dominated by white people, so it stands to reason that white lyricist are writing these songs.

Music Industry Dogs Black Men

Now the music industry is a business like any other. They seek to maximize profits for their investment. If you give them the benefit of the doubt, you can say that the best selling songs are smut songs or smear songs, which is exactly true. Everyone loves to hear gossip or bad news. Good news is boring right? No it’s not that easy.

An excellent song has many elements: perfect orchestration of the notes, so that the chords progress in a pleasing fashion to the listener; perfect melody and harmony of the singers. That’s it! Any great song of all time had those elements right there. So it stands to reason a good song can sell as much as a smear song. Of course it can, most people can barely understand the lyrics anyway.

With that said, can you say smear songs against Black men are just a thing of business, or could there be something underhanded? There’s something obviously underhanded going on. Was it a coincidence from 2000 – 2007 the top of the pop, r&b, rap charts was dominated by smear songs against Black men.

If you’ve been reading this blog you know that I’ve already said that 70% of black men are employed, with a median income of $30,000 a year, no kids, and own their own home / apartment. If the numbers weren’t so stack up against these singers it would be a guessing game. But, clearly there’s someone that wants Black men to appear as if they have: no job, no prospects, no home. You can then imply from this that Black men must: be angry; beat their wife/girl friends; be unfaithful; end up in jail.

It’s pretty obvious that there’s a campaign against the Black man in America. What’s sad is that Black women are being used as: suckers, chumps, idiots, morons, tools, children falling for it. A Black woman can’t see what’s right in front of her eyes. They go into relationships expecting: cheating; abuse; back stabbing. With that type of attitude, no matter who you date, the relationship is going to end up just plain wrong. What’s worse is, even if the Black woman doesn’t have that attitude, the mother does and poisons the daughter. This cycle of hate never ends.

The Solution to Black Women Being Used as Tools

First of all have your own brain. If you know yourself, then no one can control you. That means recognize when a game is being played on you. I know it’s hard, and you might think its paranoid to think like that, but in this day and age you gotta be a little paranoid to survive. You can’t just run to daddy or momma when things go wrong. You can’t just go willy nilly and hope for the best and then end up in the middle of the soup and say oops.

That means for instance: you find a good man, but you have bought into the lie that Black men are dogs, idiots, users. From day one you nag this man and drive him further and further away. From day one, I’ve seen it. Then the relationship goes sour and now you got 1 bad relationship under your belt. The next relationship is doomed, because you got proof relationships don’t work. You end up 40, unmarried, with no kids. The truth is you bought into the propaganda and you didn’t even take time to “know thyself”. Your man came home each night exhausted from being abused and working hard and all you could do is call him lazy and shiftless. 12% of Black men are unemployed, that’s double what white men are. Do you think the ones that are employed might be having a hard time each day to just keep their job? You are damn skippy.

Don’t buy into the propaganda Black men are anything other than human. I am not saying we are kings, angels, but I am saying we are not the devils you hear about in the news.

Second, don’t support these smear campaigns. Don’t buy the records putting Black men down. Don’t buy books putting Black men down. “If it is to be it’s up to me.” If every Black woman refused to buy those books and records, how long would you see them on the shelf for sale? Probably they’d disappear. Don’t buy into this smut. I’m not saying you gotta carry your bible around and only read that [although that’d be an excellent idea], but I am saying “put nothing before you” that is just a bunch of trash. This goes back to my first point, know yourself. You don’t want to infect your brain with negativity. Hell you could buy men’s sports magazines and look at the pictures [it’s innocent reading and the guys are all fitness models anyway, good eye candy for you].

Third don’t support smear campaigns against yourself. Why would you buy a record that called Black women whores and sluts and such. That is the maximum height of stupid. You gotta have a whole tub, hell and oil tanker of low self esteem. Trust me, take it from me, I don’t want to date a slut; I don’t want a whore; I don’t want a skeezer; I don’t want you walking around looking like a prostitute. My woman? Oh hell no. I don’t want a slut, and nobody better let me catch them calling her a slut.

Understand someting, real Black men don’t want sluts, they want ladies. Black men respect their moms. They want to bring something home to them. What a fool you are if you think a Black man wants to bring home something in a tube top, hoochy pants and stilettos. Are you out of your god damn mind?

I’ll say this. I’ve traveled all over the world. For the majority of Black women versus white women I’ve met, the Black women were 10 times more conservative than white women. The white women were far more promiscuous and dressed like tramps far more often than Black women. I just had to say that, so you didn’t think I’m putting down Black women.

Lastly, behave like a lady and you’ll attract the sort of man you really want. I would hope it would be a Black man, but if it’s not, it can be someone else too. But please don’t fall for this, other races are better than Black men. That’s the same crap I just got through talking about. But, treat yourself like a lady and others will too.

And, I know this happens, if you run into women that aren’t ladies and hate on your for being a lady, move on. They are not worth your time and effort.

You know the best place to find a good Black man? College. Scoop them up. And, quickly. I give you permission to ask them on a date FIRST. Go to college and scoop up a good Black man. You’ll find a huge concentration of good Black men in colleges all across America. Don’t be a fool, stay in school. Keep your eye on the future. Scoop you up a college Black man, and your children will turn out just that much better too. [I’m serious as a heart attack about this]

Check out my legal website: Nevada DUI Attorney
See me on YouTube: Shakaama Live

Game Review: Champions Online – Another City of Heroes?

Champions Online Game Review

If you missed it, this past weekend there was an open beta for the soon to be released game Champions Online. Yes, if you recognize the name it is based off of the old table top, pen and paper game of the same name. Cryptic Studios bought the licensing rights and made an MMO [massive multi-player online] out of it. So at its core is it a super-heor online game.

I got a chance to take a peak at it and played it for the entire weekend. I first didn’t remember the game, but seeing a couple of videos about it, I do recall it at E3. Low and behold it was the same game. I recall at E3 I wasn’t that impressed by it, but it was still developing at that stage.

On to the review. Since this is my first review on my blog, unlike my YouTube reviews at Shakaama Live, I’ll make this as factual as possible and list the criteria for the review.

– Overall style (4 out of 10): The overall style of the look of the game is very unpolished. In city of heroes, your heroes were very larger than life and you really got the sense that you were playing a super-hero. Although the graphics were in fact realistic and the cityscape was modern, it just did not give you a sense of anything unique and exciting. It was not impressive

– landscape (3 out of 10): The environment was well executed, but everything was just so tiny and the levels were so compact that you never got the sense you were in an actual city, an actual forest, an actual tundra. The zones made it clear that you were playing a game with snow, dirt, trees and not that you were in some actual area.

– character (4 out of 10): The graphics of the NPC’s and the PC’s were not impressive at all. Again they were not polished. The animation of the characters were all stiff as well. There was no sense of fluid real life motions, nor super-hero life motions as well.

– hardware capability (6 out of 10): This category is for if the game really tests your hardware. As you can see by the previous graphics categories, it isn’t a graphically impressive game. As such, I found no problem installing it and getting it to play smoothly. So for smoothness of playability graphic wise it gets a complete pass, but the lack of challenging hardware with impressive graphics it fails.

– chargen (2 our of 10): Character generation was a sticking point in City of Heroes. They constantly redeveloped the chargen. Champions Online completely just copied them. Chargen involves nothing more than making the rudimentary powers of your hero and overabundance of looks for your character. I say overabundance, because unless you are playing zoomed all the way into your character you will never see all the minor things you or anyone else did to their character. In the end chargen boils down to basic heights, colors and costuming. The hundreds of facial expressions you can put on your character or whether he has a cleft chin is unnecessary. Chargen therefore was not innovative at all. I’ve yet to see a super-hero chargen where you can plan out or plot out the path of powers he’s to go on or even remove the powers altogether and do an actual back story in game of developing the powers. Both City of Heroes and Champions missed the point of this. They both just lazily put a text editor on your character and let you write some mumbo jumbo about the origins of the hero. The fact that Champions chargen is exactly the same as City of Heroes smacks of plagiarism.

– controls (2 out of 10): the controls were clunky as hell. I heard that you could attach an xbox controller to your computer and have massive fun, unfortunately I don’t have one and didn’t think about it. I suffered through, what has to be the worst physics known to man. It’s as if my hero was 4 tons and didn’t have control of his own muscles. While the developer at E3 called the gameplay heroic, it is anything but. The worst thing were the travel powers. I tested them all. unless you chose superspeed and flight, you had zero precision of how your character moved. None of this stop on a dime. I also was disappointed with the flying disks that they put in: ice, electric etc… those travel powers used a disk, and when you stopped moving you floated to the ground. I just don’t get the point of that. Do you lose control of your disk in relation to gravity? I’m sure it’s to prevent some exploit, but for game play it sucks. Speaking of ice, I thought it was going to be like iceman. You know he cools the air under his feet and creates a path of ice. No, it’s a floating icy disk. How lazy are you that you can’t program an icy path that fades in 2 seconds behind him after 10 yards. Yet in the videos and the splash screens he has an icy path. Mind you it wasn’t even my power of choice, but I found it disappointing.

– ui (0 out of 10): User Interface! What can I say about their user interface. Oh one word comes to mind: HORRIBLE!!!! This was a pain in the butt. Man it was god awful. I just cannot say enough about it. There were these … and then these … also these… ugggg it was ridonkulous. Who thought it up? And, lastly, it wasn’t even something new, it was just a bad copy of other UI’s. uggggg!!

– rpg ( 3 out of 10): Is there a story you can follow? Yes, and they do convey it. Yes you get a feel for what is going on in the game and it’s not just something boring. Ok, for there being a story Champions gets a pass. As for the actual merits of the story? Fail. They had the most unimaginative staff come up with the worst scenarios possible. I’ve seen more imagination in table top games from complete social rejects, than what i saw in this game. The story for a super hero… yes a SUPER HERO, should be epic. Literally the challenges in this game, a swat team could handle and be home by dinner. It was just so bleh.

– lore (6 out of 10): Was there background to the story and the world and the game? Yes, they have cut scenes and npcs that talked to you. The voice acting was well executed and gave you a sense of the character speaking. Not bad build up to it.

– rpg (1 out of 10): Does your advancement in the game have a story like quality to it? No.

– hack n slash (1 out of 10): Is the game advanced by hack n slash? Yes

– Immersion: Did you feel immersed in this online game. No

– Must have: Is this a must have game for video game nerds. No. This is not going to be a classic and a “if you’re a nerd you must have this in your library”. This doesn’t advance any game style. In fact it doesn’t even advance the Champions franchise. I’m sorry to say that. I played champions only once, hell i spent a month making the character. This game is not impressive in the least bit.

I predict a lackluster launch and a lackluster following. This game just does not capture the imagination.


Health Insurers: They have a Monopoly Already

Health Insurers Monopolize Markets

health insuranceWith the Obama administration pushing idiots to try and pressure their congressmen to pass the Obama health plan, they have taken the focus off of why we have skyrocketing health costs and outrageous health insurance premiums.

The national media contributes to the farce, due to the fact they never even ask why we are in this predicament. They get their news from the government to begin with and don’t dare seek their own sources, or do their own legwork.

health insuranceEnter into the equation the health insurers themselves. Are they really upset over the Obama health plan talks? No, not at all. As the scenario runs, they stand to do nothing but gain more customers. I mean, isn’t that what they paid Obama to do in the first place? They expect a hefty return on their investment. And, I don’t blame them. If I donated millions to someone’s campaign, you bet your bottom dollar I’d expect him to get the ball rolling on healthcare “reform” asap.

That aside, several studies show that in most places in America, one or two companies dominate that market. With these wholesale monopolies, the insurer drives up the premium without even thinking twice about it. Employers pay these premiums just as willingly, since they have no alternative.

The national media would have you believe the Obama plan would compete with these insurers. However, nothing could be further from the truth. In fact, just completely put the Obama plan out of your mind. I see no reason to give it credence. It’s like saying “these black dress-shoe shoelaces are a much richer hue for your tennis shoes, but the decision is yours.”
Again the national media proposes to look to the government for a solution the the health insurance monopolies. Of course lawmakers have their hand tied. But, the did look into the matter and this is what they found.

  • Big insurers are getting bigger.
  • Small businesses have fewer and fewer options for getting coverage.
  • The Government Accountability Office found that the median market share fo the largest carrier increased by 47% in 2008, up from 33% in 2002.
  • A healthcare overhaul should include fostering competition among insurers.

On the last point, some real lawmakers acknowledge that a government plan ought not be the answer, but if they wanted to successfully overhaul the system, they would encourage true competition amongst the insurance industry.

Of course, as true blue lawmakers their answer would be to offer subsidies to offset insurance premiums to make them affordable. [ If I have to explain why this is a bad idea, I just really might go into a murderous rage. ]

The obvious answer though, from a big government standpoint is to setup an insurance purchasing pool called an “exchange.” However, while this isn’t a bad initial idea, the next statement I’m about to make should clue you in how the system would be raped: It would be open, INITIALLY, to individuals and small businesses. That sounds innocent doesn’t it? But notice my emphasis, INITIALLY.

Gaming the System: The Insurance Exchange

health insuranceInitially, I’m sure that an exchange would be a great idea on paper. However, two things immediately pop into mind: who’s going to be footing the bill to pay for setup and upkeep of the exchange [ US ]; and, when do you start offering this exchange to big business?

Let me just clue you in on the second point, because I think the first point is readily apparent to any fool that we taxpayers are going to not only pay for the insurance, but also to keep up the exchange itself [ more tax dollars out our pockets ]. When do you start offering this exchange to big business? If this exchange were setup January 1st, I think by the 2nd or 3rd of January they’d be offering it to big businesses.

Well what’s the problem with that? Imagine I’m a big business. Let’s say I want insurance for my company. I go to the exchange and see the top 10 largest companies listed. What’s to stop me from calling up the other 200 companies and buying them out? Nothing. I am now larger than the other 10 companies put together. I can now offer insurance at a loss and run the other 10 companies out of business. And, all of this is over and done with by June. Or better yet, buy the 200 companies first. Call up the other 10 companies and buy controlling interest in their firms. I now own the exchange, lock, stock, and smoking barrel and no one knows it, or cares to inform anyone.

Health Insurance Is a Business

What everyone fails to acknowledge is that health insurance is a business. Everyone wants to be all socialistic in their thinking when it comes to health care. Is it really justifiable to think that a kid on skid row DESERVES a heart transplant on par with a Hollywood movie producer? That’s not reality. Is it realistic to think that a world class supermodel shouldn’t expect better healthcare than single mom in a trailer in Arkansas’ back woods? Absolutely not.

health insuranceYet we delude ourselves in thinking that healthcare and health insurance should somehow be universal. Medical school is not free. Wharton Business school is not free. Malpractice insurance is definitely not free. Everyone hates the system, but the challenge isn’t fixing the ending of the system, but coming to terms with the reality of it: people paid big money to get into the industry, they expect a return on their investment.

Someone, somewhere doesn’t want to pay tax dollars for a kid on skid row to get a heart transplant. Just as they don’t want to pay for a single mom in the backwoods to receive grade A medical care.

The current system is messed up not because of a lack of competition [ ok here’s the smoking gun ] it’s from government intrusion into the industry. The government has strangled start up insurance companies for nearly a century now. It’s intrusion into medicare and other socialistic programs has edged out companies that would cover that. If the government got out of healthcare altogether, you’d have start ups everywhere competing for insurance dollars and beating down prices to an affordable level.

Health insurance is a business, so let them do their business.

Please visit my legal website: Las Vegas DUI Attorney
See me on YouTube: Shakaama Live

Exit strategy: Bernanke to Take Profits from Loans

Bernanke: Taking Back the Stimulus

The Federal Reserve Bank is now poised to make millions in profits from the trillions of dollars it lent out these past couple of years.

Everyone is quick to forget that the Federal Reserve Bank is not a public bank, but in fact a privately owned bank. When they lend money they expect to be paid back and at a hefty profit. This last couple of years has seen them lend out trillions of dollars all in the name of “saving the economy.” However, unlike the failed banks they were “saving”, they always get paid back and never make and high risk loans. There is no such thing as high risk since the fed can simply call for the treasury department to pay them back. In fact, per a Ronald Reagan report, every tax dollar we currently collect goes to pay off the interest the government owes the Federal Reserve.

Enough history lesson.

Bernanke and company now expect to be paid in full. Unlike the loans it makes the federal government, the loans it made to the financial institutions are expected to be paid back in lump sums. Those loans were not made under the same understanding that exists between the government and the Fed.

The exit strategy is just that, Bernanke has to strategize to both appear as if he is still the savior of the economy, yet take profits as quickly as possible without damaging the very institutions that received the loans.

If he takes his profits too soon, the institutions could be damaged and go under. There is talk that no more bailouts would be forthcoming if profits are taken and the institution were returned to a bankrupt state. It would simply mean, in his mind, that the institution would never be able to assisted to return to a healthy state, and therefore be allowed to finally fail.

If he takes profits too late, he risks hyperinflation setting in. He and Greenspan both contributed to the housing bubble, along with businesses like Goldman Sachs. Bernanke is now fighting to maintain current housing prices and are trying to not allow them to fall back to real value which would probably fall around the prices 20 years ago. If the took profits too late inflation would undermine that strategy of propping up inflated housing prices as well, since it would simply inflate housing prices beyond most people’s reach. And, of course the byproduct of the economy failing again.

The rub of course is that once he takes profits, he will come under political pressure to artificially maintain low interest rates. No one ever said politics was a smart business. Artificially keeping interest rates low would completely undermine this entire 2 years. If interest rates are kept low, the economy would simply turn around and head right back to an inflationary state, packaged with more bubbles.

Federal Reserve Conference

Bernanke and friends are to meet at the annual Fed conference in Jackson Hole, Wyo. The issue of him taking profits and maintaining interest rates is sure to be the key note at the conference.

Analyst are debating between two to four or even five years for the Fed to take its profits back. Currently Fed balance sheets show a $2 trillion outstanding I.O.U. balance, more than double what it was when the financial crisis struck.

The fed announced it would not extend beyond October a $300 billion government debt-buying program. It was a program intended to lower consumer and corporate loan rates.

This past week the Fed extended a program designed to increase lending in the commercial real estate market. Only $40 billion in loans have been extended, comparatively minor to the $200 billion previously made available during the first phase of the program. Yet lending is still said to be stiff.

Another program is going to be allowed to expire October 30th, it was intended to support money market mutual funds, and it hasn’t been used to date.

The Fed is reducing lending under two other programs to banks. Clearly they are set to take profits, and soon.

The elephant no one is talking about though is the $1.25 trillion made to Fannie Mae and Freddie Mac. That will take a precise strategizing so as to not cause a huge upsurge in home prices.

There is still, what to do about the $300 billion in Treasury debt they bought has to be accounted for as well.

Understand that none of this is a question of how. They knew the “how” when they made all of these loans. It’s a question of “when”. When do they take profits.

However, the Fed doesn’t operate in a vacuum. They are under pressure from the government to keep the money flowing for entitlements. The politicians are assuming the Fed have created a new entitlement program.

Entitlements are like, welfare, medicare, medicaid, corn subsidies, these all buy votes to keep government in power. The government was under the false assumption that all the programs and actions by the Fed was a new set of entitlements they could cash in on for votes.

What Did the Federal Reserve Stimulus Include

Those programs include:

  • Bernanke slashed interest rates to record lows, near zero.
  • he provided low-cost loans for banks and bought debt so companies would have short-term “commercial paper” loans available to pay for salaries and supplies.
  • he bought mortgage-backed securities and government bonds to drive down interest rates on mortgages and other consumer debt.
  • he moved to support the mutual fund industry.
  • he instituted many emergency aid programs.

What the politicians don’t realize is, if the stimulus is kept in place, the automatic economic impact will be inflation.

By my calculations over $10 trillion has been funneled into the economy thus far. There is no way that if the Fed doesn’t take profits, and take them soon, hyperinflation will be a reality. At this juncture that money nearly disappeared, since most of it was under the table.

The recovery of the profits is going to be a careful balancing act.

Lastly, interest rates will have to raised. It was as much a part of the stimulus as all the real money handed out.

The rub that the government, Obama, and Bernanke are getting is that unemployment is through the roof. Analyst are predicting that it will get worse, especially when interest rates are increased. However, unemployment was never a concern for the Fed. At no point did Bernanke ever touch on that subject, nor has the legislature, nor Obama.

But, raising interest rates become a question of when. There is a mid term election coming up and I’m sure Bernanke will be under pressure as to when he raises interest rates. However, he can’t be too concerned about the politics, he has to take his profits sooner than later. If he waits to take his profits later he risks losing the benefit of it all through inflation.

Jasmine Fiore Playboy Pictures, Murder, Ryan Jenkins, Megan Wants a Millionaire

Jasmine Fiore Swimsuit Model Playboy

When I was in law school there was one particular subject I hated: Family Law. I hated it because I had to read case after case of brutal torture and treatment of children or spouses. I didn’t even dare read any criminal law cases. I don’t know how i got through those classes.

Here we have the horrific story of a swimsuit beauty model, Jasmine fiore, who also used to work for Playboy, as the coordinator for Playboy’s “Girls of Golf.” Spokeswoman Theresa Hennessey said, “She never posed in the magazine.” She was found murdered, strangled to death, and someone didn’t want her identified. They removed her fingers and teeth. You have to be three shades of wacko to even contemplate doing that sort of thing. They stuffed her body in a suitcase and threw it in the trash. She was found in the Buena Park, Orange county, California on Saturday, August 15th. She was 28.

Ryan Alexander Jenkins Megan Wants a Millionaire

The only suspect they have on record as of now is husband Ryan Jenkins, who incidentally called to report her missing. He then disappeared and has yet to be found. Fiore was last seen alive with Jenkins at a poker game in San Diego.

Ryan Alexander Jenkins is Canadian and recently appeared on the reality T.V. show “Megan Wants a Millionaire,” where he battle for the affection of blond model Megan Hauserman. Fiore and Jenkins met in March at a Las Vegas casino where Jenkins was partying after wrapping up “Millionaire,” said Fiore’s mother, Lisa Lepore. And in typical Las Vegas fashion, they got married there on March 18, according to a Clark County marriage certificate. It was a spontaneous marriage, “right after they met, one of those wild things,” Lepore said. But it soon went south. In May, “they had a big blowout. She had the marriage annulled,” she said. “She didn’t trust him because he was doing things behind her back,” she said. “He did everything that she asked him not to do,” Lepore said. “She got furious.”

The Orange County district attorney’s office has charged Jenkins with murder and issued a warrant for his arrest. Jenkins, 32, is believed to be in Canada, and officers there said Thursday that ground, air and canine units are searching for him. A car and empty boat trailer belonging to Jenkins were found Wednesday at a marina in the northwest Washington town of Blaine, near the border.

Ryan Jenkins, is from Calgary, Alberta. A resume posted on the networking site LinkedIn.com says he graduated from Mount Royal College in Calgary in 1999, has a license to fly commercial airplanes and worked in investment sales and as president of a boutique development company focused on cutting-edge green technologies. Jenkins was convicted of assault in Canada in 2007 and has a pending domestic battery case in Las Vegas. In January 2007, Jenkins was sentenced to 15 months of probation in his hometown of Calgary, Canada, on an unspecified assault charge, according to the Alberta Ministry of Justice. No further details were available. Court records show Jenkins was charged in June in Clark County, Nev., with a misdemeanor count of “battery constituting domestic violence” on accusations that he hit Fiore in the arm. He is scheduled for a Dec. 18 non-jury trial.

Gwendolyn Beauregard of Bonny Doon, a longtime friend to Jasmine Fiore, is scheduled to discuss the case on Larry King Live and Good Morning America.

In my opinion this is a classic case of marrying someone you don’t know. Yes, I know there’s the romantic notion that you can go to Vegas and marry someone that you’ve known all your life but was forbidden to, but often you hear of those cases of “we were drunk and one thing led to another…” She obviously didn’t know him. And, he obviously didn’t know her.

Please visit my legal website: Las Vegas DUI Attorney
See me on YouTube : Shakaama Live

Why Black Men are Fired

Black Men have Twice the Unemployment of Whites

Black men have twice the unemployment of whites, in fact Black men and women have twice the unemployment of whites. Black women fair better due to being in different industries, but I believe I can explain all of it in one word. Racism.

WARNING: [ if you are going to be offended by the post, please stop reading now. understand that I always read data from university study after university study for every post I make. None of it is my opinion. I just say what others are not in a position to say, or are afraid of retaliation. ]

Study after study has shown that racism practices are dominate in the hiring of Black men and it is widespread. I’m sure everyone is hoping that in this day and age that, that wouldn’t be so, but the data is clear.

Some sectors are harder hit by this economic downtrend than others, but even before this financial crisis Black men double the unemployment rates of whites.

“Black men’s ability to access high-paying jobs in the manufacturing sector played a significant role in building the black middle class after World War II. Yet those jobs have steadily declined in the past several decades. A study from the Center for Economic and Policy Research estimated that the share of African Americans in manufacturing jobs fell from 23.9 percent in 1979 to 9.8 percent in 2007. Blacks were actually 15 percent less likely than other groups in 2007 to have a job in manufacturing. These jobs have also been among the first cut in this recession, accelerating the decline of available positions with decent pay for black men.”

Clearly this was before the financial crisis and the data showed that Black men were hit already targeted for being fired. And, these were positions that had been held for years, and not new hirees.

“Black men have also been disproportionately affected by the instability in the automotive industry. A study by the Economic Policy Institute found that African Americans have above average employment and earn much higher wages in auto industry jobs than in other industries. If one or more domestic automakers were to file for bankruptcy, more than 3 million jobs could be lost within the next year, a result that would be especially devastating for African Americans.”

Everyone talks about the equality of educational opportunity. I have toured the south and found many rural places where education is not a reality. It is seemingly as distant as the moon. In fact I found the best products from high schools in the south were subpar to national standards, and again these were their best products. When I see a sector that is well paying and requires only a high school degree, clearly these Black men chose the best opportunity available to them. Meanwhile the country cast aspersions on these very men. It’s as if the white people are not satisfied until we are removed from society entirely.

“Persistent racial discrimination has enhanced the effects of various factors that have limited the employment opportunities available to black men over time. A cross-sectional analysis of employers by Harry J. Holzer of Georgetown University found that employers are generally more averse to hiring black males than those from any other racial and gender group, especially in jobs that require social or verbal skills and in service occupations.”

I was once, many years ago, fired from a job where I was the sole employee, of a small studio. I was hired by the manager, trained by her and after 2 days left alone to manage the studio. Six months later the corporate manager showed up as a secret shopper. She was amazed at my expertise, quality salesmanship and “approachability” [the store manager later told me she was testing this, clearly this was because I was Black, I had never heard of such a thing before]. I was fired a few days later. In fact I showed up to open the store and the manager, surprisingly, was there. She had said she left a message and was shocked I showed up. She gave me some excuse I had sassed a security guard in the mall. [who had constantly harassed me] I can’t help thinking that the corporate manager was shocked to find that my manager had hired a Black man all this time, and gave the immediate order to fire me. Understand that my manager and I had never had so much as a critique about my job. In fact she often praised my sales and we were on very friendly terms.

[I give that personal example, to exemplify how the workplace is. Both of these were white women. My immediate supervisor only saw a hard worker that produced profits and had an impeccable work ethic. The corporate manager saw a Black man. And, although she was clearly impressed [which she immediately told my manager] she ordered me to be fired anyway. I understood that this was a complete burden on the my manager, she was a young mom and she depended on me to allow her time to take care of home life. After firing me she would have to work all day (which is what i did for 14 hours). ] By the way, the studio closed within a month.

“Another study from Princeton University of nearly 1,500 employers in New York City found that black applicants without criminal records are no more likely to get a job than white applicants just out of prison.”

In New York city, unemployment amongst Black men is 50%. That is a staggering number. The Princeton study concluded that racism was the only explanation for their findings. In every instance that they viewed the Black male applicants, they were perfectly qualified for the jobs. They were completely astounded by their own findings. In fact, they found no instances where affirmative was even applied to hire the Black men. They found that racism was the single most dominant reason for Black men not being hired, and being fired. The jobs ranged in skill level also, so it was not a case of low paying, low level jobs. During Obama’s 100 days speech a reporter stood up and asked what Obama would do about that statistic. Obama replied that he had already extended unemployment benefits and offered healthcare benefits to unemployed workers. In other words nothing. That’s the problem, stop looking to the government for answers. They don’t have an answer. And, Obama didn’t have an answer either.

The Solution to Black Male Unemployment

What could be the solution? There can be only one solution to this problem. Racism is not going to go away. There are children being born right now that are already being indoctrinated into racism. There are so many cases of young, very young kids committing racial crimes and acting out racial tensions on Black children. Put it out of your mind, that in our lifetime racism will recede.

The solution is therefore not to target racism, but to target ourselves. Do not look to white people for jobs. That is the only answer. We have our own doctors, lawyers, mechanics, engineers, drafters, contractors, carpenters, brick layers, wall hangers, plumbers, electricians, gardeners, firemen, policemen, executives, human resource managers.

  • We Black people need to start our own businesses. It is past time that we look to the white man for anything, including a job.
  • The first business that needs to be opened are banks or credit unions. We must be in control of our own money supply and lending. Lending is the largest hamper and hindrance to Black business in America today, and has been for some decades. You can start a credit union 10 times faster than you can a bank. We have plenty of bankers, financiers and experts amongst ourselves. It would take nothing to start up credit unions or banks in Black communities all across America. Once we can lend amongst ourselves, the businesses can flourish. A word of warning: do not centralize the bank / credit union in each community if you can. Why? What if they were shut down or bought out? There goes the entire community. And sometimes, it seems like a very profitable deal to sell a bank or credit union for a very large offer, only to find out it’s being closed. They will buy you out simply to close you down. In fact that is the rub of most Black businesses. They are bought out and closed down immediately. The temporary financial gain from the sale is completely dwarfed by the loss of income for the years and years following due to these practices.
  • Create Black law firms. This is the 2nd most important thing that needs to be done. Our community needs legal scholars and legal representation. Only then can we stand for our constitutional rights. Invite Black lawyers into the community to start Black law firms. If the money is taken care of in the other points, then legal representation needs to be taken care of. No more would be hear excuses, if we get our financial act together, in courts across the U.S. with proper legal representation. Black law firms would bolster the community just that much.
  • We need to stop renting. Renting is the worst thing a Black man can do in America. I don’t care what financial expert tells you. Black people have zero assets. Let me repeat this. Renting affords you a lifestyle whereby you never have assets. You need land. We need land. We need a roof over our head that they can’t come knock on our door in the middle of the night and kick us out. So once you start that community bank, have people line up and buy the land they live on, or find some to buy and lend to them.
  • No current Black “organization” is doing what I’m saying. Do not look to them for guidance and leadership. They provide none. Do not look to the NAACP or anything else. They all suffer the slave mentality that we should take the white man to court so we can get a hand out from him. At no point have they demanded equality based on our own merits. Revisit cases like the Jena 6 if the points I’ve made here were followed out. The corruption of those white police and courts would have been revealed for what it was. These organization are hindering us more than helping us. We don’t need fanfare and legislation. We need our own two feet, and to hold the hand of the brother net to us. We need to reach back and down to the person under us. We don’t need laws for people to treat us right. Leave if you don’t like what someone is doing to you. Go get your own. You don’t have to spend your dollars somewhere, where they aren’t giving you the God given right a man deserves, go open up your own store. This very notion has been the slave mentality of this past century, look to the white man to fix the white man. That doesn’t make a lick of sense. Don’t look to the white man to fix the white man, look to yourself and move away from the white man. If the white man won’t rent to you, go back to the Black community and build a house. Why act like a dog begging for scraps from the masters table? You’re not a dog. You can have your own table. You can have your own food. You can have your own dinning room. You can have your own house.
  • We need send our children to private schools or home school them. They are being educated into a way of thinking against their own self interest. America is being dumbed down. We need to break away from the educational system. I believe private schools are a perfect alternative if you can’t home school them. If you have to scrimp and save to do it, do it.
  • We need to support Black owned businesses to our own detriment. That means even if you have to walk a mile to get to one, do so. No one else is going to support our own businesses, so we best get to doing it.
  • Hire Black people. Clearly white people hire their own, even if they’ve been in jail and are unqualified. If a Black applicant has an attitude you don’t like, but he’s qualified, hire him and train him, don’t let him twist in the wind. He’s our son, don’t let him end up just another statistic.
  • Train each other. Offer your expertise whenever you can to each other. Show them you have credentials and that it would be in their best interest to listen to what you have to say. Never miss an opportunity to teach. There is an effort already going on where small communities are going door to door offering training in Black communities. They are showing great success.
  • Make your church aware of what is going on. It is time out to think we can separate church and politics, because white people don’t. Address your congregation each and every Sunday on these issues and come together as a community to organize this.
  • Understand the rules of the game. The rules are, money makes right: not white; not black; not educated. Money speaks louder than words. Understand that the rules for this life in America is money makes right. Look at the Asians, they were silent for over 200 years and they are now above the white man economically how: they own their own businesses; they have higher incomes.
  • Spend most of your money on your child, not yourself. This includes dedicating your time to your child. Asians spend more on their children, and have always done so, than any other group. They are now in positions of power, unheard of before. Blacks spend the least on their children and have yet to get ahead. Dedicate your life to your child and you will be repaid 10 fold. In every instance where this has been the case, the results have been astounding. For example: the homeless lady who dedicated herself to her daughter; was completely involved with her schoolwork; her daughter ended up in Harvard.
  • Your child does not finish being your child at 18. Time and again Black parents abandon their children at 18. Asians contribute to their children for life. You must be involved with your child for life as well. If your child requires that he must study long hours before he understands and gets and A, then you must just accept that he can’t work and go to college, regardless of your own financial needs. Understand, you must sacrifice yourself for your children. Your story is over. You are building everything for your children. The faster you understand this, the further ahead we all will be.
  • Be involved with your community. You can’t just go to work, and then come plop on the couch and think the government will take care of tomorrow. You have to go get organized, get your community involved. You know the saying it take a village to raise a child, that’s from the African concept. No such thing existed in Europe. If you organize your community, you will take your streets back, and help raise those bad apples and turn them around. And if you organize your community you can see who would be the best for opening particular stores. Discuss it amongst yourselves. Where I live, if an Asian opens a store, it will be an overnight success. The day they open the doors, hundreds of customers will flood in. Every single Asian business I’ve seen open has done this. We need to organize and discuss and market our businesses amongst ourselves.
  • Have the attitude that the Black customer is your best customer. Once we understand marketing and business, we will be successful in our own community. Once we cater to our community, we will be able to take care of ourselves. Before the civil rights movement, the Black population commanded the 6th largest GDP in the world. After it was finished, our GDP was decimated. Why? Because, each dollar was churned in the community nearly 10 times before it left. We need to return to that wealth of business and community.
  • Maintain community first. If that concept is hone in on, we will be successful. As it stands we don’t have a community. White people look to us as a community and we constantly resist having one, so as not to seem homogeneous. This is weakness. We are categorized daily and looked upon as a community, yet we sit in disarray and unorganized. We need to come together as a community with pride and justification.

If we adopted these tenets as a community then 200% unemployment of Black men to whites would be a thing of the past. If we look to ourselves and not outside ourselves we can make this entire scenario moot.

Please visit my legal website: Las Vegas DUI Attorney
See me on YouTube: Shakaama Live

Sexually Explicit: Why Rap Music Isn’t Real

Hip Hop does not equal Rap Music

Hip Hop UndergroundRap music has a bad rap. No pun intended. And, I think I know why. I no longer listen to rap music, but at one time rap music wasn’t even in the form it is today.

First let’s get one thing straight. Hip Hop music was never rap music. Hip Hop music started in the underground scenes of New York, Chicago and Philadelphia. You can still find Hip Hop music in those scenes.

Rap music was started as a movement to educate young Black kids. It started out as a poetry style, put to music. At first it was the spoken word, and moved on to music to gain mass appeal. One of the first “rap” songs that had mass appeal was “Rappers Delight”. It wasn’t the first rap song by any means, however it won critical acclaim and had mass appeal.

Rappers Delight Sugar Hill GangOnce Black people found that we would buy the music all sorts of independent record labels started up. This budding entrepreneurship was almost overnight squashed by powerful white executives. Where they couldn’t out and out buy labels from Black entrepreneurs, they tried every dirty trick in the book: staging gang retaliation strikes; staging in song fights; murder.

However the cat was out of the bag so to speak, and wherever they quashed one independent record label, 10 more sprang up. All of the successful labels were gobbled up or fell to the drama of the takeovers. But, still independent labels do exist in the rap world.

Enter the Corporate Rap Machine

I started off by saying rap music has a bad rap, and rightly so. But, the blame lies, not with Black people, but with the corporate rap machine. Record labels have at their beck and call a team of writers, lyrics, hacks that can pop out a rap song within seconds.

I’ve heard first hand of real writers refusing to write lyrics where rape, incest, homosexuality, violence is the order, only to be told that they can be replaced with 100 other writers who would do it. For the corporate rap machine, the artist is immaterial. They will get the latest Black pretty boy, or the latest monster looking Black kid, set him on stage and hand him the raunchiest lyrics one can imagine.

About the Rap Music Lyrics

Kurtis BlowI had the opportunity growing up to live in nearly every state in the union. I have met thousands upon thousands of Black people, as well as others. At no point did I ever here a Black male say “I’ll drop my balls on his ….” “I’ll rub my dick on her ….” Why? Because, Black people are not a perverse people. Black men and women are far more comfortable with sexual innuendo on a personal level than they are with explicit, disgusting, raunchy language. You would hear a Black male tell a girl “can i get those digits” 100 time before you’d hear them mention anything about sex.

So it goes to reason, if the common everyday Black man or woman doesn’t talk like this, then perhaps these rap lyrics have a different source. BINGO! Corporate rap executives know that 70% of all rap music is purchased by white suburban kids, who don’t know any better. As such, they have done their studies and found that sexually explicit lyrics; gang banger lyrics; rape; molestation lyrics outsell all other lyrics hands down. They have a team of white lyricist that write these horrible lyrics. They put it in the hands of a Black artist and record it. The public then believes the artist to have written the lyrics and thereby, by association, that all Black people must feel and think this way.

To my knowledge I’m the only one that even mentions this. But, what’s worse is the white supremacist groups feeds upon these lies. Then by association they think that Black people are sexually explicit. They think that Black people have massive families. They think that Black men mistreat their Black women. I’ve given data after data in this very blog, Shakaama Live, showing that the Black family is far more stable than the white family. Black divorce is below the national average, and below the white average. However, were you to listen to rap music you would think Black people have sex at the drop of a hat, pop out kids like rabbits, and leave their women twisting in the wind with the child. Nothing could be further from the truth.

Grand Master FlashThe corporate rap machine glorifies gang banging, jail and the mafia. At no point did the mafia ever hold Black people in any esteem. The mafia is just as white as their Anglo-Saxon counterparts and their hatred of Black people is just as palpable. For the corporate rap machine to commingle the two is laughable and transparent. No Black kid, paying attention for 2 seconds to the mafia would ever mistake the mafia having love for Black people.

In fact one of the largest clashes between the mafia and Black people is now famous on film “American Gangster”. Here you had a successful Black hoodlum, whom the mafia detested. You have on file their pure and unadulterated views of “niggers”. In fact they considered Black people so dirty as to nearly banish anyone that dealt with us. Now that’s saying something, if you’ll banish your own family. Clearly commingling the mafia in Black rap music is a tel tale sign that its written by a white person and not a Black person. Surely no Black man would be so debase and stupid as to glorify people that think of us as “animals”, “niggers”, “dirty”. You might be shaking your head saying no there are stupid people in the world, but I tell you, you can’t be both stupid and successful enough to get your music to the public. You can be many things, but you can’t be stupid.

Obviously there is a disconnect with reality and rap lyrics. The blame of course are these young artists that are selling out to the man and perpetuating stereotypes that never before existed. For 100 years after slavery the Black man was still subjugated by the white man, however we were never seen as lazy, shiftless, sexually explicit, nor violent. The Black man was treated as the white man’s burden to educate and bring to enlightenment, due to his savagery, but no one ever called a Black man lazy or violent. In fact, the technology of Africa was laughable compared to the guns, ships and cannons of white Europeans. In fact for at least 200 years Black men was seen as savage, heathen, children.

Oprah vs. Snoop Dog

Oprah vs SnoopOprah had an on screen argument with Snoop Dog over his degradation of women. In fact, Snoop Dog knew that those lyrics sold records and continued using them even after he promised her he’d stop. Clearly Snoop Dog doesn’t believe in the lyrics. He’s a married man with children. However he has become this iconic “gangster” figure that people expect to be this cartoon character that he portrays himself to be. He is more enslaved by his own design than anyone ever could make him. He is associated with being the cool “nigger”. And nigger he is. He wants to be a nigger, so be it. He wants to be married to a whore, so be it. Oprah can’t change Snoop although he’s leading Black kids down the worst possible path. So he’s a retard. Maybe he’ll die soon and we won’t have to deal with his ignorance.

P.M. Dawn[Remember I intend to be offensive. For only by being offensive will you wake up and realize that what you’re doing to yourself is wrong. I could care less if your feelings are hurt. Half the time, things I point out are getting Black folks killed. Half the time, because of perceptions perpetrated by ignorant bastards like Snoop Dog are getting people targeted by police. You don’t say “F the Police” and put it on a best selling album. The ignorant unwashed masses will think you’re messiah and do things to get themselves shot or thrown in jail. You can make money, massive amounts of money, by making lyrics like P.M. Dawn. Apparently, gangster, whorish rap lyrics aren’t the only thing on the market customers will buy. But you have been led like a good nigger down the road by white businessmen in selling out your own race, talking nasty as if we talk like that. No woman will respect you, if behind closed doors you turn out to be a freak. And that’s exactly why we came up with that word. We, Black people, consider people who do that stuff to be “freaks”. We think it’s odd that a man or woman would want to do nasty things like that. We don’t respect “freaks”. We view a woman who’s a “freak” as trash. Speak the truth. No self respecting Black man wants to be seen with a “freak”. So why would you listen to lyrics where the person is talking about freaking some woman out or man. You better wake up and realize we are at war.]

Rap music is the cold war against Black people.

Please visit my legal website: Las Vegas DUI Attorney
See me on YouTube: Shakaama Live

Why Obama’s Healthcare Plan Will do Nothing

Health Care Reform Is Silent on the American Diet

The CDC estimates that of the $2 trillion spent on health issues, $1.5 trillion is spent on preventable diseases caused by bad diet.

The healthcare crisis is then a euphemism for the food crisis. If Obama doesn’t address anything about food i.e. nutrition in school lunch programs, then you know he is bought and sold by agribusiness.

For the city of New York, the cost for treating each new case of type 2 diabetes is $500,000. It is bankrupting the city. Once contracted it’s $13,000 / yr in additional medical costs; it takes approximately 10 years off of your life span; there an increased 80% chance of heart disease; a possibility of amputation; a possibility of blindness; being tethered to machines and drugs for the rest of your life. It is entirely preventable, with a change in diet.

The government could save trillions upon trillions of dollars if they spent money on ad campaigns: warning against the dangers of soda; warning against the dangers of sugar in the diet; warning against fast food more than once every 2 months; warning against the dangers of monosodium glutamate; warning against the dangers of high fructose corn syrup; warning against high saturated fat diets.

If children ceased drinking soda, nearly all preventable diseases would vanish from their lives. The reason we have soda so plentifully now, is that it is so cheap. Why is it so cheap? Because we subsidize corn, which is then used as high fructose corn syrup to sweeten soda. So in essence, every time you buy soda, you are taking extra money out of your own pocket, which goes to pay the corn farmer, and you are killing yourself and everyone that drinks it. Corn lobbyist flood Washington and give senators and congressmen lavish gifts and favors to continue subsidizing corn.

Are you going to hear anything from Obama about diet as it pertains to healthcare? No. The pharmaceutical industry is the largest lobby in Washington. Surprising? Why would we need to dwarf all over lobbyist from an industry supposedly in place to help us survive.

What the Health Care Industry Isn’t Telling you

Interesting fact: “By its own statistics, the American medical system is the number one cause of death and injury in the U.S.”

“Patients who undergo standard medical treatment for heart disease die sooner than comparable patients not receiving any treatment.”

“Cholesterol drugs are huge sellers, yet the medical industry’s own studies prove that patients are dying from them. In addition to being totally dangerous, they’re totally unnecessary, as 15 years of research actually sows that cholesterol is a healthy sign and does not contribute to heart disease. Glucose and fructose are the true culprits of heart disease.”

“Immunity is not provided through vaccines, as those vaccinated contract the very disease they’ve been vaccinated for at a higher rate than those not vaccinated. Those receiving a flu vaccine this season are receiving a vaccine developed against last year’s strain, vaccines contain some of the most poisonous substances known to man, such as aluminum, mercury, and formaldehyde, and are frequently contaminated with viruses that cause serious diseases. There is a definite link between the explosion of autism in children and mercury in vaccines.”

“A major cause of the increase in breast cancer is the practice of annual mammography, exposing women to high doses of radiation and actually giving them breast cancer.”

“Chemotherapy was derived from mustard gas. It has been proven ineffective in 96% – 98% of cancer cases and being an agent used to kill enemies at war, kills patients sooner than the cancer would have.”

“Pharmaceutical drugs are not engineered to cure diseases, nor to make your healthier. Pharmaceutical drugs are far more likely to kill than illegal drugs. They are only interested in selling you a product by managing your disease, not curing it. Thousands of studies and evidence shows that diet can completely cure cancer.”

“Medical school does not teach health, nor healing. Nursing school students are told to “not take vitamins”.”

“Some medications used to treat psychological “disorders” are more addictive than any illegal drug. Ritalin is more potent to the brain than cocaine, children who take it are far more likely to abuse cocaine later due to the similarities between the two. The number of suicide attempts at least doubles for a child taking antidepressants, according to short-term studies. Some people who have managed to stop taking the drugs say they were only obsessed with suicide while on the drug. Antidepressants are the most widely prescribed drugs in the U.S.”

“Diet drinks are still selling despite studies linking aspartame to seizures, MS and ironically, weight gain.”

“Calcium cannot be absorbed in the presence of protein, a fact well known to researchers, and therefore milk – being a complete protein – is not at all a source of calcium. Not only is milk not necessary for good bone health, it actually causes osteoporosis.”

If you want to live a healthy long life: you want to get off of any medication as quickly as possible; you want to completely revamp your diet to be nutrition nutrition nutrition; don’t drink bottled water; take a liquid vitamin; eat a lot of plants with no pesticides; east grass fed meats. I can almost guarantee if you changed your diet to one of pure nutrition and complete nutrition and no junk for at least 6 months, you’d not only see health changes, you’d see your weight change as well. You also must walk at least 30 minutes a day. When I say healthy, I mean no pesticides, no sugars, pure vitamins and minerals at every meal with at least 5 meals a day. Do not buy any processed food, this includes at the supermarket. Don’t buy any premade dinners. In fact, don’t buy any food that comes packaged other than butchered meat. If you can locate a farmers market near you, that would be perfect. Cook your own meals, and don’t use a microwave. Season your food with pure seasoning, not processed junk.

For more healthy tips read my blog: Gain Muscles Lose Fat
See me on YouTube: Shakaama Live
Please visit my legal website: Las Vegas DUI Attorney

Goldman Sachs Tells Employees Don’t Flaunt the Bling Bling

Goldman CEO Says Not to Make Big Purchases

Goldman Sachs Group Chief Executive Lloyd Blankfein told employees to avoid making high profile purchases. Blankfein, who first asked employees to avoid large purchases late last year, has stepped up his campaign in recent weeks.

“This is a sensitive time for us, and (Blankfein) wants to make sure that we’re not being seen living high on the hog,” the New York Post quoted an anonymous Goldman Sachs executive as saying.

Second-quarter net income was $3.44 billion, or $4.93 a share. They paid out record bonuses along with their record quarterly earnings. Read full story on my piece: Goldman Sach Record Quarterly Earnings

Goldman Sachs has faced a torrent of unwanted publicity recently including an unflattering story in Rolling Stone magazine, which accused the bank of having a key role in various market bubbles stretching back to the 1920s. This is a mirror of my pieces : Goldman Sachs Scum and Villainy and Goldman Sachs Created the Oil Bubble

Last week New York Attorney General Andrew Cuomo, in a report into compensation paid by banks, said employee pay “has become unmoored from the banks’ financial performance.”

Please visit my legal website: Las Vegas DUI Attorney
See me on YouTube: Shakaama Live

Bank of America Sued by SEC Over Executive Bonuses

SEC Files Lawsuit Against BofA

At issue here isn’t exactly that Merrill Lynch paid its executives bonuses, but that Bank of America did not reveal this to stock holders. The distinction needs to be made. Earlier this year congress passed legislation banning companies from paying executive bonuses or taxing them 100%. This is in direct contravention of the U.S. Constitution which forbids bills of attainder. They can no more pass such legislation constitutionally, than they can declare black people illegal. Keep this in mind then, this is not about the actual bonus, but more the complete lack of transparency to the stock holders. Furthermore, that legislation was so far reaching as to say that no company could pay bonuses to executives, regardless if the firm ever received federal TARP funds or not. I keep wondering where the supreme court is.

Marshall Front, chairman of Front Barnett Associates investment counseling firm in Chicago, “this is not something that I would worry about as an investor,” Front said. “Ken Lewis should worry about it, but not an investor.”

In a lawsuit filed in Manhattan federal court, the SEC said Bank of America told investors that Merrill Lynch had agreed not to pay year-end performance bonuses or incentive compensation before the Jan. 1, 2009, merger of the firms without Bank of America’s permission.

But, in fact, Bank of America had authorized Merrill Lynch to pay discretionary year-end bonuses, according to the SEC.

Merrill Lynch paid $3.6 billion in bonuses for 2008 despite losing $27.6 billion that year.

“Shareholders were not told about this agreement at the time they voted on the merger,” David Rosenfeld, associate director of the SEC’s New York Regional Office, said in a statement. The SEC said Bank of America misled investors in proxy statements soliciting votes of shareholders on the proposed acquisition of Merrill Lynch.

The agency said the bank had already contractually authorized Merrill to pay up to $5.8 billion in bonuses for 2008.

Members of Congress have expressed outrage over the Bush administration’s involvement in the deal between Bank of America and Merrill Lynch. Some have accused Federal Reserve Chairman Ben Bernanke and former Treasury Secretary Henry Paulson of coercing Lewis to go ahead with acquiring Merrill Lynch despite the investment bank’s deteriorating finances.

The lawsuit was settled for $33 million.

Please visit my legal website: Las Vegas DUI Attorney
See me on YouTube: Shakaama Live

Cuts Reported as Earnings

Tyson Food 3Q Earnings Growth Explained

In this time of recession many companies have taken the intelligent move to cut costs. However, the major cost that is cut is labor. While this is great for stockholders and the bottom line, it only spells disaster for the country.

Financial news media reports earnings as going up, however they lack the wherewithal to accurately portray how the earnings were achieved, i.e. cuts.

For instance Tyson Foods achieved a 3rd quarter profit jump. They earned $134 million, or 35 cents per share, compared to $9 million or 3 cents per share a year earlier.

The company closed some operations, cleared excess inventory and put in place other cuts. Sales actually dropped by 3% to $6.66 billion from $6.85 billion on declines in beef and pork sales, while chicken sales improved, due to higher pricing.

Formerly, Tyson Foods would allow contracts to be made to lock in long term low prices, however when grain prices spiked last year they took losses, since they could not adjust prices accordingly.

Please visit my legal website: Las Vegas DUI Attorney
See me on YouTube: Shakaama Live