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Sunday, September 28, 2003
Posted
2:36 PM
by Creditwrench
J.A.I.L. Legislation hearing at Okla State CapitolRichard Cornforth has announced at our headquarters chapter meeting that there will be a hearing before the Judiciary Committee on October 9th in the afternoon which will be for the purpose of discussing what we believe is wrong with the judiciary. This hearing represents a landmark eventuality for the J-accuse movement in Oklahoma and nationwide. We do hope that as many as possible be in attendance. Hello Everyone,
Below is information on the Oklahoma Juciciary Committee Presentation at the Oklahoma State Capital on Thursday, October 9th.
Richard Cornforth and Carl Weston are heading this presentation.
OCTOBER 9, 2003
Time to be at the Oklahoma State Capitol
10:00 AM.
2003 INTERIM STUDIES August 07, 2003 Deadline for filing Interim Studies was July 7, 2003.
UPDATE:
I have spoken to Rep. Jones and he has informed me that there are other meetings scheduled for October 9, 2003. However, we need to be at the Oklahoma Capitol out side of Committee Room 412-C by the Rotunda at 10:00 AM. for our Presentation to the Judiciary Committee. It has also been said that we could get up to one and half hours of time from the agenda. The Committee will be asking questions and this would be a great time to hold up copies of the J-Accuse Oklahoma Judicial Amendment to the Constitution.
If you plan to bring flyers, banners, or other information to pass out, please be as positive as you can about our corruption in our courts by the engineered system by design!
I will keep this list posted as things develops................
See you at the Oklahoma Capitol!
Carl Weston
A bad ideaI've been involved in a lot of political actions both pro and con over the years and as a result have attended more than a few committee meetings such as the one we will be attending here. I've attended them in the capacity of a speaker before several committees as well as that of a supporter and as a member of the press so I think that I have the background and the experience to say that there should be no signs or banners or handouts at the meeting itself and they should not be in evidence anywhere near the meeting. The meeting will be in room 412-C which is not a terribly large room. There should be 12 committe members present and there may very well be members of the press present as well. There will probably be some interested judges and/or attorneys present as well. Such meeting rooms normally have a capacity of about 30 to 50 people. Opio Tourie is the Chairman of the committee He is a black legislator who has long been an advocate for black orientated legislation and political activities, many of which were quite controversial. Frank Davis is the Vice Chair and is an attorney and a former county attorney of Logan County, Oklahoma and a former Judge of the Guthrie, Oklahoma Munincipal Court. He is a member of the Lions Club, the Masons and the Gideons. Jari Askins, a committee member has been a special Dist. Judge, Stephens County, from 1982 to 1990, was Chairman, Okla. Pardon and Parole Board, 1991 to 1992, was Deputy General Counsel, Governor's Office, 1992 to 1994, and was Ex. Director of Oklahoma Pardon and Parole Board, Feb.-Nov. 1994. Thad Balkman, committe memberis an attorney although he has never been a member of the judiciary but rather always in private practice. Rep. David Braddock, committee member is also an attorney but is seemingly lacking in some of the prestigious credentials other members of the committee have. Bill Graves is also an attorney and is well known for being one of the more "outrageous" members of the House. He has sponsored and co-sponsored a lot of very radical legislation over the years, many of which fell flat on their faces. Rep. Chris Hastings, another attorney is also a member of all the bar associations. Rep. Jerry Hefner apparently is not an attorney but has served on the Wagoner and Coweta Chambers of Commerce, is a member of the Masonic Lodge #98, the Rotary Club, and maybe most notably the National Rifle Association. Rep. Ray McCarteris a former teacher and legislator. Rep. Bill Paulk is a former plumber and former commissioner of labor appointed to the post by former Gov. George Nigh. Rep. Larry Riceis a former Police Officer, from Pryor, a Pryor City Councilman, 1982-84, Teacher and Administrator, Rogers State College, 1979-1991, Director of Public Affairs, University of Tulsa, 1991 to present, and past president, Mayes County Young Democrats. Rep. Ray Vaughn is a leader in anti-smoking legislation in the House and always has some tough new anti-smoking legislation he tries to bring up every year and is the main author of the new regulations that have just gone into effect. He is a former Assistant City Attorney, Edmond, Ok., was an associate Municipal Judge in Edmond and formerly edited and produced the Ask-A-Lawyer radio program for the OBA. Rep. Tad Jones is not a member of the Judiciary committee and is not an attorney but according to my House of Representatives contacts he is the House member who has called for this hearing. It is indeed important to know the makeup of the committee that we will be presenting our material to. That is a tough panel of lawyers and judges that we have to face and most likely will not look all that favorably on our agenda of telling them what they are to their faces nor very friendly towards those of us who would like to take away their perks and priviledges nor those of their colleagues. And so it is with that in mind that I must caution against the idea of bringing any banners, signs first of all because signs and banners are not allowed inside the capitol building. Handouts are not going to be of any value because they would only be useful if handed directly to committee members who would not pay any attention to them prior to the meeting anyway. Handouts to the committe members must be done in advance of the meeting and be taken to their offices if they are to do any good at all. This is not an attempt to persuade the public in our favor but rather an attempt to influence the members of a highly influential group of legislators who are most likely already very opinionated about such changes as we advocate. Were it not for Opio Turie we would most likely never stand a chance to be heard before this committee. But he is the chair and he and he alone has the final say as to what the committee's legislative agenda for the coming year will or will not be. He and possibly Bill Graves are the only two committee members that we can really count on in the way of sympathetic ears. It would do us no good at all to be seen as a bunch of banner and sign carrying rabble rousers trying to influence public opinion against the status quo. So in my not so humble opinion we will do ourselves a great deal of harm if we bring any signs, banners or handouts to the hearing. One of the problems spectators to these hearings always have is sitting there wondering who this or that person might be and what might he possibly be doing there. Whose side are they on anyway? What is their position likely to be? In order that we might be more prepared to answer those questions I am in the process of putting together a webpage that will have the photos of all of the members of the committee on it which can be printed out and taken to the meeting with you so that you will be able to tell the members from the spectators. Having such printouts with the members of the committee will be far more impressive than any signs, banners or handouts. Knowing the members and what they look like will enable J-accuse members to address them by name if the opportunity should present itself and will provide us with a better way to be respectful spectators and attendees. Click here for photos of the Oklahoma Representatives who are on the committee. The names of the Republicans are in red and the Democrats are in blue. Hopefully that will also give us just a bit better insight into the makeup of the committee. Saturday, September 27, 2003
Posted
9:19 PM
by Creditwrench
Have you ever been told you were over your credit card limit, or had your debit card declined, even though you knew you had available credit, or money in your bank account? If this happened shortly after you stayed in a hotel or rented a car, the problem could have been card "blocking." What's Blocking? When you use a credit or debit card to check into a hotel or rent a car, the clerk usually contacts the company that issued your card to give an estimated total. If the transaction is approved, your available credit (credit card) or the balance in your bank account (debit card) is reduced by this amount. That's a "block." Some companies also call this placing a "hold" on those amounts. Here's how it works: Suppose you use a credit or debit card when you check into a $100-a-night hotel for five nights. At least $500 would likely be blocked. In addition, hotels and rental car companies often add anticipated charges for "incidentals" like food, beverages, or gasoline to the blocked amount. These incidental amounts can vary widely among merchants. If you pay your bill with the same card you used when you checked in, the final charge on your credit card, or final amount on your debit card, probably will replace the block in a day or two. However, if you pay your bill with a different card, or with cash or a check, the company that issued the card you used at check-in might hold the block for up to 15 days after you've checked out. That's because they weren't notified of the final payment and didn't know you paid another way. Why Blocking Can Be a Problem Blocking is used to make sure you don't exceed your credit line (credit card) or overdraw your bank account (debit card) before checking out of a hotel or returning a rental car, leaving the merchant unpaid. Blocking is sometimes also used by restaurants for anticipated sizeable bills (like large groups at dinner or a party), by companies cleaning your home, and other businesses to ensure credit or account money will be available to complete payment. If you're nowhere near your credit limit or don't have a low balance in your bank account, blocking probably won't be a problem. But if you're reaching that point, be careful. Not only can it be embarrassing to have your card declined, it also can be inconvenient, especially if you have an emergency purchase and insufficient credit or money in your bank account. On debit cards, depending on the balance in your bank account, blocking could lead to charges for insufficient funds while the block remains in place. How to Avoid Blocking To avoid the aggravation that blocking can cause, follow these tips: When you check into a hotel or rent a car - or if a restaurant or other business asks for your card in advance of service - ask if the company is "blocking," how much will be blocked, how the amount is determined, and how long the block remains in place. Consider paying hotel, motel, rental car, or other "blocked" bills with the same credit or debit card you used at the beginning of the transaction. Ask the clerk when the prior block will be removed. If you pay with a different card, by cash, or by check, remind the clerk you're using a different form of payment and ask them to remove the prior block promptly. Ask your current debit card issuer if they permit blocks, for how long, and from what types of merchants. If they do, you may want to consider getting an overdraft line of credit from your bank. Ask about a plan that always automatically covers the overdraft and does not involve a separate bank decision on whether or not to pay it each time. Although you might incur some interest on this plan if you don't pay off the amount fairly quickly, you would not have an overdraft that is not paid. Ask your bank if they offer an overdraft line of credit, how it would work, and how much it costs. In addition, if you are considering a credit or debit card, shop around. When comparing credit and debit card offers, ask issuers if they permit blocks, for how long, and from what types of merchants. You may want to consider an issuer that uses shorter blocks. For More Information The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them. To file a complaint or to get free information on consumer issues, visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft and other fraud-related complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad. Friday, September 26, 2003
Posted
1:15 AM
by Creditwrench
Dear List Subscriber,This is a follow-up to my prior message, about how we need not overestimate the knowledge and intelligence of the IRS. First, let me say that I did NOT mean that they should not be feared. The IRS is like a rabid dog: stupid, out of control, vicious for no reason, and unable to be reasoned with. Just because it's not intelligent does not mean it can't do harm. When it comes to the war of information, the IRS is toast. They don't even know what their OWN position is, much less how to argue it. ("Don't look at those sections, because we said so" is hardly a respectable position.) However, I DO believe that for 80 years, there have been a very few inside the government who DID know the truth, who DID conspire to deceive and defraud the public, and who WERE pretty dang smart. However, I am now convinced that those "masterminds," seeing that the fraud is about to fall, already ran for the hills, leaving the fraud in the hand of clueless bureaucrats and government lawyers who don't even know what they're defending. (They'll find out soon enough.) But since I'm on the subject, I thought I'd congratulate the government lawyers who DID know the truth, on their very creative deception. It was rather brilliant... in a horrendously evil sort of way. I wanted to give a few examples, because I think they can help people understand the fraud. ----------------------------------------- Let's take one example, and look at it from a few perspectives, to see what the most likely explanation is: The regulations defining "gross income" used to make it quite clear that in addition to the types of income exempted from income taxation by STATUTE, certain OTHER kinds of income were exempt by the Constitution itself. The last page at this link confirms that: 1956 regs (See also 26 CFR § 1.312-6(b) of the current regulations.) So that gives us three distinct categories of income: 1) Income exempt by statute. 2) Income excluded because of the Constitution. 3) Income that is subject to the tax. Somebody WROTE the regulation shown at the link above. Did they KNOW what was Constitutionally exempt, or were they just making stuff up, without even knowing what they meant? To say that some income may be EXCLUDED from "gross income" because of the Constitution is a pretty straight-forward concept. Would someone write that if they didn't KNOW what that might mean? Better yet, would they write that if they didn't know if ANY income was Constitutionally exempt? No. Whoever wrote that regulations knew damn well what it meant. That's why he also wrote the OTHER section on the page linked to above, which says that U.S. citizens and corporations MUST include income they receive from FOREIGN commerce in their "gross income." Again, from the writer's perspective, did they just FORGET (for about 40 years in a row) to say that the DOMESTIC income of Americans is taxable? Or did they leave it off because purely domestic income is NOT taxable? This is classic lawyer-think. What did it LITERALLY say, and what would the reader be likely to ASSUME that it MEANT? The method of obfuscation used in the fraud is brilliant, in that if you look at the law, starting with the ASSUMPTION that your domestic income is taxable, nothing directly contradicts that. It's easy to assume that that thing about the Constitution is about someone else. If YOU don't know what is Constitutionally exempt, and you don't see the regulations TELLING you, it's easy to have your brain just miss that point entirely. "I don't know what that's about, but it can't be me." Likewise, when you see the regulations saying that you MUST report your FOREIGN income, without saying anything about your DOMESTIC income, it is natural and easy to ASSUME that it meant "in addition to their domestic income." In short, it was worded to tell the truth, but in a way that would allow most readers to ASSUME something incorrect that was not stated. The same structure appears over and over again, in 80 YEARS of statutes and regulations. Why did Section 217 of the 1921 code not say that in the case of foreigners, and ALL U.S. citizens, compensation for services performed in the U.S. is taxable? It only talked about foreigners and citizens with POSSESSIONS income. That makes it so easy for the average Joe to glance at the section, think "that's not about me," and completely miss the significance of the section. The same is true in numerous sections over the years. The most convoluted example is the current 26 CFR § 1.861-8. On one hand, sections all over the place say in no uncertain terms to use 861(b) and 1.861-8 to determine one's taxable domestic income (see 26 CFR §§ 1.861-1(a)(1), 1.861-1(b), 1.861-8(a)(1), 1.863-1(c), 1.862-1(b), etc.). But when you GET there, the section basically says that it is about determining taxable income from "specific sources." If you eventually find out what that means (see 26 CFR § 1.861-8(f)(1)), you'll see it's all about INTERNATIONAL stuff. So how does that make sense? Should you use those sections, or not? The regulations do NOT say that only CERTAIN people should use those sections to determine their taxable domestic income. But when you GET there, it's only about international commerce. How can that make sense? Again, it's perfect lawyer obfuscation. They direct you where you should be, then specifically tell you what IS taxable (international stuff), but carefully do NOT say anything about YOUR income. They don't come right out and say it's exempt, nor do they come right out and say it's taxable. Could anyone write over 30 pages of regulations for the specific purpose of describing how to determine taxable domestic income, and ACCIDENTALLY fail to mention either way whether the income of 100,000,000 Americans is taxable or not??? Not only that, but did they "forget" to specify that in 80 YEARS of statutes and regulations? Anyone want to tell me that that's NOT suspicious?? If the law MEANT that my income was taxable, it would SAY it. Section 1.861-8 is analogous to this: ----------------------------------- Prosecutor: "Tell the jury whether you killed Fred." Defendant: "Okay, refer to this answer to determine if I killed Fred. For purposes of this answer, the term 'kill' shall be construed to include stabbing, strangling, or bludgeoning someone to death. The term 'stabbing' shall include the manual pushing of a sharp object into the victim in such a manner as to cause external bleeding, but such term shall not include the manual pushing of an object, sharp or otherwise, that causes internal but not external bleeding. For purposes of this section, the term 'specific victim' shall mean an individual whose first name is Fred. This statement concerns the killing (or lack thereof) of the specific victim. I did not kill (as defined above) the specific victim." Prosecutor: "Okay, but did you SHOOT Fred?" Defendant: "Your question is frivolous, and now I'll have to fine you $500." ----------------------------------- How many words does someone have to use, WITHOUT stating the SINGLE MOST IMPORTANT FACT, before you get suspicious? If the guy didn't kill Fred, he would have just said "no." And if my domestic income was taxable, SOMETHING in the last 80 YEARS of statutes and regulations having to do with DETERMINING TAXABLE DOMESTIC INCOME would have specifically SAID SO. Because the fraud was DESIGNED to confuse people, and was at the same time DESIGNED to avoid giving any obviously "confession," it's easy for people to get confused and frustrated. But ask yourself this: if "conventional wisdom" is CORRECT, why is it so dang hard to PROVE IT using the law? Why doesn't the IRS even KNOW what its OWN position is? For example... 1) If it's not MY income that's Constitutionally exempt, where do the regulations say what IS Constitutionally exempt? (Why should I assume it's NOT mine if no one seems to know exactly what it means?) 2) If my DOMESTIC income is taxable, why don't the regulations specifically SAY that (right after they specifically say that any FOREIGN income I receive is taxable)? 3) If I'm not supposed to use 861 and its regulations to determine my taxable domestic income, why do all those citations not SAY that? If they MEAN that only CERTAIN people should look there, why do they say the EXACT OPPOSITE all over the place? (That's a heck of a "typo": half a dozen sections, all in effect for at least 25 YEARS (most in effect for 47 years), all of which "accidentally" said that I should look there, when they didn't really mean it. Huh?) 4) If 1.861-8 means that my income IS taxable, why doesn't it come right out and SAY that? It very clearly says that the domestic income of FOREIGNERS is taxable. And it specifically talks about other kinds of international commerce. And 80 years of predecessors do the same. The regulation-writers just "forgot"--for 80 YEARS IN A ROW--to tell tens of millions of Americans that their income is taxable?? Yeah, that sounds real likely. (On top of that, they haven't bothered to "fix" that supposed typo in the last decade, after the 861 evidence has become a huge problem for them.) The list could go on and on. Are we really supposed to believe that they ACCIDENTALLY forgot to mention--for over 80 YEARS IN A ROW--that most of us owe the tax? Come on. The reason the law doesn't just SAY that my income is taxable is because it ISN'T TRUE. And the reason the law doesn't just SAY that my income is exempt is because LAWYERS AND POLITICIANS LIKE POWER, even if they have to use FRAUD to get it. Sincerely, Larken Rose larken@taxableincome.net Theft by deception.com
Posted
12:15 AM
by Creditwrench
J.A.I.L. Legislation hearing at Okla State CapitolRichard Cornforth has announced at our headquarters chapter meeting that there will be a hearing before the Judiciary Committee on October 9th in the afternoon which will be for the purpose of discussing what we believe is wrong with the judiciary. This hearing represents a landmark eventuality for the J-accuse movement in Oklahoma and nationwide. We do hope that as many as possible be in attendance. Hello Everyone,
Below is information on the Oklahoma Juciciary Committee Presentation at the Oklahoma State Capital on Thursday, October 9th.
Richard Cornforth and Carl Weston are heading this presentation.
OCTOBER 9, 2003
Time to be at the Oklahoma State Capitol
10:00 AM.
2003 INTERIM STUDIES August 07, 2003 Deadline for filing Interim Studies was July 7, 2003.
UPDATE:
I have spoken to Rep. Jones and he has informed me that there are other meetings scheduled for October 9, 2003. However, we need to be at the Oklahoma Capitol out side of Committee Room 412-C by the Rotunda at 10:00 AM. for our Presentation to the Judiciary Committee. It has also been said that we could get up to one and half hours of time from the agenda. The Committee will be asking questions and this would be a great time to hold up copies of the J-Accuse Oklahoma Judicial Amendment to the Constitution.
If you plan to bring flyers, baners, or other information to pass out, please be as positive as you can about our corruption in our courts by the engineered system by design!
I will keep this list posted as things develops................
See you at the Oklahoma Capitol!
Carl Weston Thursday, September 25, 2003
Posted
7:55 PM
by Creditwrench
A new Richard Cornforth SeminarRichard Cornforth will be holding a new seminar in Roswell, New Mexico October `18th & 19th Details will be forthcoming soon As usual the J-accuse National Headquarters Blog will carry the full story about this new Richard Cornforth Seminarin Roswell, New Mexico Watch for the latest updates here and Creditwrench Blog Wednesday, September 24, 2003
Posted
2:47 PM
by Creditwrench
Our next J'accuse meetingwill be tomorrow, Thursday night, 7:00 PM at The American Legion Post 35. There is a $3.00 charge at the door to assist in renting the building. The American Legion Post 35 225 N. Virginia Oklahoma City, Oklahoma 73106 The American Legion address is located 1 block East of Pennsylvania Ave and 2 blocks North of Main St. If using I-40, please use the following directions: Westbound on I-40 W: 1. Take the exit- exit number 148C- toward VIRGINIA AVE. 0.14 miles 2. Stay straight to go onto W LINDLEY AVE. 0.07 miles 3. Turn RIGHT onto S VIRGINIA AVE. 0.23 miles Eastbound on I-40 E: 1. Take the PENN AVE exit- exit number 148B. 0.12 miles 2. Merge onto S PENNSYLVANIA AVE. 0.21 miles 3. Turn RIGHT onto W MAIN ST. 0.14 miles 4. Turn LEFT onto N VIRGINIA AVE. 0.09 miles Please let me know if you have any questions. Hope to see you there, Monday, September 22, 2003
Posted
9:52 PM
by Creditwrench
Options Equifax, Inc. P.O. Box 740123 Atlanta, GA 30374-0123 Experian Consumer Opt-Out 701 Experian Parkway Allen, TX 75013 Trans Union Corporation's Name Removal Option P.O. Box 97328 Jackson, MS 39288-7328 Date To whom it may concern: I request to have my name removed from your marketing lists. Here is the information you have asked me to include in my request: FIRST, MIDDLE & LAST NAME (List all name variations, including Jr., Sr., etc.) ______________________________ ______________________________ CURRENT MAILING ADDRESS ______________________________ ______________________________ ______________________________ ______________________________ PREVIOUS MAILING ADDRESS (Fill in your previous mailing address if you have moved in the last 6 months.) Note: not required by Equifax and Experian. ______________________________ ______________________________ ______________________________ ______________________________ SOCIAL SECURITY NUMBER Note: not required by Experian. ______________________________ DATE OF BIRTH Note: not required by Equifax and Experian. ______________________________ Thank you for your prompt handling of my request. _____________________________________ SIGNATURE Sunday, September 21, 2003
Posted
7:07 PM
by Creditwrench
Dan Meador Monthly Tulsa meetingNext Friday, September 26th, is our regular monthly Tulsa meeting. The location is Hardesty Library; the meeting gets under way at 7 p.m. & we wrap things up around 9:30 as we have to be out of the building by ten. Finding Financial Management Service system of records .014 was the lynch pin we needed to prove that FMS rather than IRS is delegate of the Secretary of the Treasury. Friday I will probably spend most of the time putting all the elements together so those who attend the meeting can get a better grasp of how administration of federal income and employment tax schemes are supposed to be administered. We've posted the Federal Register files that contain FMS & IRS systems of records notice on the Law Research & Registry web page. They can be downloaded as PDF files. http://www.lawresearch-registry.org/lrrserch.htm As a rule we don't videotape or record our monthly Tulsa meetings but anyone who wishes is welcome to attend. There is no admission fee. We ask for contributions to cover the cost of the room & handout material, but even that is voluntary. Bob puts out a basket or box by the door & nobody pays attention to who contributes what. Saturday, September 20, 2003
Posted
8:13 PM
by Creditwrench
SECRETS OF THE LEGAL INDUSTRY - RELOADED
September 20th and 21st, 2003 ...
This powerful Seminar presents straight-forward, no-nonsense, workable legal actions, doable even in today's courts.
Donation in FRNs or Blank Money Order ONLY Price includes Large Valuable Technical Manual of current materials. We anticipate aSell-out, so please plan ahead and make Reservations ASAP ![]() Richard Cornforth![]() Friday, September 19, 2003
Posted
8:09 AM
by Creditwrench
Oklahoma House of RepresentativesMedia Division September 19, 2003 OKLAHOMA CITY- Nathan Dungan has spent almost a decade researching how financial debt affects the lives of college students and other young adults. Dungan, author of the book Prodigal Sons & Material Girls: How Not to Be Your Child's ATM, is scheduled to testify Sept. 25 before the House Committee on Banking and Finance. The meeting is set for 10 a.m. in Room 412C at the state Capitol. The author's appearance in Oklahoma City is at the invitation of state Rep. Joe Dorman. The Rush Springs Democrat requested a legislative study on the topic after some cursory research of his own into college students and credit card debt. Dungan's book addresses issues such as how to talk to your children about money; understanding the differences between wants and needs; increasing the probability of your children having a prosperous life; and raising your children's marketing IQ. A resident of Minneapolis, Minn., Dungan offers insight about his book and the visit to Oklahoma. Q: "What are your plans when you arrive in the Sooner State later this month?" A: "I will be speaking about the enormous challenges that young people, particularly college students, face while managing money. Even more specifically, I am concerned how troublesome credit card debt is among young adults and how it's been increasing exponentially over the last decade. "I want to address issues relative to universities in Oklahoma and on a national level and how the challenges for young people as they have been, I will say, predatory marketed to buy credit cards and how that's proven to be exceptionally challenging. "On the other side, there is little, if any, financial education to help them out. So I really want to debate the financial management and debt challenges facing college students today." Q: "Why did you decided to write about this particular topic?" A: "It really was a two-fold endeavor. First, I received a request from an educator who had recognized an enormous communication and learning gap between parents and young people about how to manage money. I remember that professor was compassionate about teaching young people how to develop healthy financial habits. "Second, I wanted to investigate what appeared to be an increasing involvement of our culture about how we have become so inquisitive and so interested in the financial prowess of young people today. I am astounded at how much marketing energy and money is being spent to shape young adults into voracious spenders. It was the combination of those things that really led to me toward researching and writing the book." Q: "There are some wonderful statistics in your book. How long did it take you to compile material for the publication?" A: "I've been researching the topic for almost seven years. I wrote my first workshop on the subject back in 1990. Then I earnestly started researching information for the book in the mid-1990s and then embarked on full-time research the past five to seven years. "I simply wanted to help raise people's awareness about how significant and widespread this issue is. We have 80 million young people under the age of 25 in a society that's really working hard to addict them to spending. That poses some enormous social and economic challenges for us. "I think it's time we ask some serious questions as to what is occurring with money management among young people today, especially in our education systems, in order to help rectify some of those significant challenges." Q: "Do you believe this is an important and timely topic to tackle in your book?" A: "Absolutely. I continue to hear back from parents and educations alike throughout the country is this issue is a front burner issue, with the challenges of young people managing money. Just the other day I had a conversation with a former professor of Arizona State University. He said the greatest challenge for his students was staying out of financial debt. "Incidently, as I was researching the book, I discovered the number one reason why students are dropping out of college or reducing their class load is because of a financial burden, and for the most part that burden is due to excessive credit card debt. "So, my goal in writing the book is to raise the awareness and to provide a resource and springboard for people to talk about this subject and take action." - 30 - Scott Hancock Media Specialist Oklahoma House of Representatives 1-800-522-8502 ext 422 Wednesday, September 17, 2003
Posted
11:43 PM
by Creditwrench
Homeschooling classes by Richard CornforthRichard Cornforth is to be applauded for his highly successful classes on our Constitution and constitutional law which he gives every Thursday evening at our J-accuse National Headquarters at 225 N. Virginia in Oklahoma City. He has long recongnized that our children are the most important resource our nation has and that in order ensure the survival of our nation and it's Republican form of government we must teach our children the origins of our nations and why our Constitution is our foremost bastion against those who would opress us and take away our rights and freedoms for their own personal or corporate gain. Therefore he has voluntarily instuted his home schooling classes as an integral part of the J-accuse movement. We of J-accuse proudly invite all homeschoolers in the Oklahoma City area to come and participate in our Thursday evening classes and our efforts to ensure that our children are well instructed with the principles of liberty and freedom by not only becoming familiar with our Constitution and the founding principlesof our nation. Classes begin promptly at 7:00 P.M. Here are some links to websites and blogs about Oklahoma Homeschoolers that we think our readers might be interested in. And while we are on the subject of links, Trading links is one of the most important ways to increase traffic to one's website and spread the word about one's interests. Just in case you may not be aware of it, blogs are the #1 fastest way to get top billings in all major search engines. A good blog can get your webpages before the public eye in less than 24 to 48 hours. Since our J-accuse National Headquarters chapter has an active home schooling program that features Mr. Richard Cornforth who is a nationally recognized public speaker and authority on our Constitution and Constitutional law and who teaches a homeschooling class on the subject every Thursday night at our J-accuse national headquarters at 225 N. Virginia at 7:00 P.M. we thought you might like to trade links with our blog which is to be found at http://J-accuse.blogspot.com How about it? Brandon Dutcher's webpage Home Ed Magazine Website Oklahoma homeschooler's Chess club Home Schooling on line A to Z Home's Cool Homeschooling Home school websites from all over the U.S. Kinderstart.com's resources for homeschoolers Jon's Homeschool Resources
Posted
9:37 AM
by Creditwrench
An important email from Dan MeadorI'm pasting in Treasury Financial Management Service record system .014 particulars, relating to debt collection operations of the Treasury. Note that FMS has responsibility for collecting delinquent income taxes as well as all other delinquent debts owed to Government of the United States. Thanks to Geri Powers of Maryland for forwarding this find from the Federal Register. She copied and pasted in the Treasury/FMS .014 system. I've copied & pasted in the URL where particulars of all FMS systems of records can be downloaded. For request details, see 31 CFR Part 1 as that particular Treasury regulation gives the method by which requests are supposed to be submitted to Treasury departments. Particular thanks to Geri as she has been bird-dogging this issue since I constructively proved that FMS is the delegate of the Secretary of the Treasury something over a year ago. Geri was responsible for my getting on this trail in late 1996. She was living in Las Vegas at the time. We visited by telephone two or three times, the primary subject being state-federal tax administration agreements. There was a bridge in some of the 26 CFR Part 301 regulations that linked to 5 U.S.C. § 5517, which authorizes agreements for withholding qualified state income taxes from federal personnel. While in the neighborhood, I read 5 U.S.C. § 5512, which specifies authorization necessary for litigation in the event federal personnel don't voluntarily agree to have wages garnished. In the footnotes I found that the General Accounting Office was general agent of the U.S. Treasury, then tracked back to the treasury act of 1921. Last summer when I was visiting with a GAO attorney via telephone, she provided cites for 1996 legislation in which Congress made the Director of the Office of Management and Budget responsible for settling accounts of the United States. The provision in Public Law 104-316 permits the Director to delegate authority. By wading through mountains of other legalese, I concluded that FMS operates under delegations of authority from the Director of OMB and the Secretary of the Treasury. I'm not certain who was responsible, but two or three years ago Jack Cohen, Harry Combs (Informer/Big Al), Sean O'Hara or someone else stumbled across the Treasury Financial Manual (available on the FMS web page), and that identifies the consent form necessary to execute garnishment via notice of levy against government personnel. The FMS system of records Geri forwarded this morning is frosting on the cake. As reading the thing, pay particular attention to the list of authorities for the system of records -- it's longer than a well rope, including several key Internal Revenue Code sections. The Internal Revenue Service is delegate of the Secretary of the Treasury for purposes of 26 U.S.C. § 7701(a)(12)(B), which applies to insular possessions; the Financial Management Service is delegate for purposes of § 7701(a)(12)(A). IRS has certain limited functionary responsibilities through FMS -- IRS has absolutely no authority to unilaterally take involuntary collection action in States of the Union. Click here for the rest of Dan's article Monday, September 15, 2003
Posted
2:55 PM
by Creditwrench
Your bank can blacklist youIn the name of homeland security, financial institutions can close accounts and cancel credit cards with little explanation. Complaints are slowly mounting. By Christian Science Monitor Hossam Algabri ripped open his statement from Fleet Bank one day after work last November, and began to read: "We regret to inform you that we have decided that it is not in our best interest to continue your banking relationship with us." Algabri assumed that a mistake had been made. He hadn't bounced a single check since he opened an account at the institution's predecessor, BayBank, 11 years earlier. As he dialed customer service, he began to wonder: Did this have anything to do with the war on terrorism? "You hear about it all the time, but you never think it will happen to you," says the Egyptian native, who came to the United States at age 12 and became a citizen this year. Algabri sat on hold that day for 20 minutes. Nine months later he is still, in essence, on hold. The bank has told him that his account was flagged for suspicious activity, but says that is all it is at liberty to reveal. He has since opened an account elsewhere. Banks have long played a role in stopping the flow of money among suspected terrorists, money launderers, and narcotraffickers. But the terrorist attacks of Sept. 11, 2001, raised the bar. More watch lists have been generated, more institutions have become accountable -- and more consumers may feel the heat. No attention to consumer complaints And while alleged government violations of civil rights under the USA Patriot Act have received steady attention, consumer complaints in the private sector have fallen largely off the radar. "No one paid attention to the lists because they primarily affected foreign nationals," says Peter Fitzgerald, an expert on government watch lists at Stetson University in Florida. "Now it affects those who do business with those who do business with those who do business with someone suspected of terrorism." Financial institutions are under pressure from the government. They face stiff fines -- up to $1 million in some cases -- if they don't stop money flows or freeze accounts. Some observers worry, however, that financial discrimination has become an unwanted byproduct. Under an article of the Patriot Act, some investigations now are conducted in secret, and American consumers such as Algabri increasingly are finding their accounts closed without explanation -- and with little recourse. "Blacklisting was set up as a foreign-policy tool," but as the practice creeps into the realm of criminality, there are questions about whether the mechanisms in place protect those who are accused, Fitzgerald says. Targeted financial sanctions are widely supported, both in and out of the financial community, as a homeland-security measure. They are intended to punish "the bad guys," say sources, instead of an entire nation, such as Iraq. But are its tentacles reaching too far, gathering up batches of mistaken identities? And are financial institutions too often erring on the side of caution? That isn't all. There are a lot more "terror" stories unfolding and it is beginning to appear that this Patriot Act needs a whole lot of attention from the common man indeed. But on with the story. Click here for the rest of the story Saturday, September 13, 2003
Posted
8:26 PM
by Creditwrench
Judge Loses His Job
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