Undoing Public Disclosure, One Small Move at a Time
I am appalled. I have scoured the TV News, have looked through newspapers – not a word! I steam at corruption in Kuwait and Qatar and Saudi Arabia, and then a small NPR Report on yesterday’s news alerts me to a measure, passed in Congress, WITHOUT A WHISPER!
(oh? I was shouting? Sorry. Carried away. Outraged) You can access the NPR station and listen to the entire repulsive report by clicking here.
Congress Repeals Financial Disclosure Requirements For Senior U.S. Officials
by EYDER PERALTA
A tourist takes cover underneath an umbrella while snapping a photo of the U.S. Capitol on March 6, 2013 in Washington, DC.
Chip Somodevilla/Getty Images
Joining the Senate, the House of Representatives approved a measure today that repeals a requirement that top government officials post financial disclosures on the Internet.
The House, like the Senate, acted quietly without a vote. Instead, they sent the measure to the president’s desk by unanimous consent.
The provision was part of the Stop Trading on Congressional Knowledge Act (Stock), which became law in March of 2012. The act was intended to stop members of congress from profiting from nonpublic information.
As NPR’s Tamara Keith reported, at the time, Sen. Joe Lieberman called the law “the most significant congressional ethics reform legislation to pass Congress in at least five years.”
“That law mainly addressed conflict-of-interest policies for members of Congress and their staffs, but it also included a requirement that the financial disclosure forms filed by some 28,000 high-ranking federal employees be posted online.
“While those forms are public records, they must be requested individually from employing agencies. The Stock Act envisions online posting first on agency sites and later in a central, searchable database.
“The posting requirement was delayed three times out of concerns about the potential for identity theft and other crimes against career employees, as well as security risks to the government.”
The Sunlight Foundation, which advocates for a more open government,called today’s repeal an “epic failure.”
The foundation explained that instead of addressing specific security concerns, Congress has acted broadly.
For instance, they note, the president, vice president, members of Congress, congressional candidates and individuals subject to Senate confirmation are still required to make their financial disclosures public. But the change in law now makes the posting of those disclosures on the Internet optional.
Sunlight adds:
“Not only does the change undermine the intent of the original bill to ensure government insiders are not profiting from non-public information (if anyone thinks high level congressional staffers don’t have as much or more insider information than their bosses, they should spend some time on Capitol Hill) but it sets an extraordinarily dangerous precedent suggesting that any risks stem not from information being public but from public information being online.
“Are we going to return to the days when the public can use the Internet to research everything exceptwhat their government is doing? Will Congress, in its twisted wisdom, decide that information is public if journalists, academics, advocates and citizens are forced to dig through file cabinets in basements in Washington, DC to find it? And does anyone think that makes us safer?
“As my colleague Tom Lee noted, ‘This approach is known as ‘security through obscurity.’ Essentially, the idea is that rather than fixing a system’s flaws, you can just make the system opaque or unusable or unpopular enough that those flaws never surface.'”
Update at 5:35 p.m. ET. 30 Seconds:
NPR’s Tamara Keith tells us the House procedure took exactly 30 seconds.
Correction at 5:29 p.m. ET. An earlier version of his post said the House followed the Senate. In fact, the Senate voted Thursday and the House voted today.
First, just pay this Small Fee . . .
LOL, wouldn’t you think he would address this to me by name, instead of beneficiary? And I am willing to bet that his charge of $85.99 is just the beginning . . .
From: Dr. Ngozi Okonjo-Iweala, Finance Minister of The Federal Republic of Nigeria info@fmf.org
FEDERAL MINISTRY OF FINANCE
NATIONAL HOUSE OF ASSEMBLY COMPLEX
SENATE HOUSE – UPPER CHAMBERS WUSE DISTRICT,
ABUJA FCT- NIGERIA
Our Ref: FGN/FMF/STB
Your Ref……………
Dear Beneficiary,
I wish to inform you again that we are not playing over this. I know my reason
for the continuous sending of this notification to you. The fact is that you
can’t seem to trust anyone again over this payment for what you have been in
cantered in the past, but I want you to trust me because I cannot scam you for
$85.99 it is for bank processing of your payment. The fee of $85.99 is for your
service, I did not invent it to defraud you. It is an official bank payment
processing fee and the good part of this is that you will never be disturbed
again over any kind of payment. This is the final as there is no unforeseen fees
and the forms will become effective once we submit your payment application
processing fee and pay the form fee of $85.99 only. I don’t want you to lose
this fund this time because you may never get another such good opportunity
again. The federal government is keen and very determined to pay your overdue
debts, this is not a fluke. I would not want you to lose this fund out of ignorance. I wil
Receiver’s Name: Uzoukwu Cletus
Address: Lagos, Nigeria
Test Question: Fine
Answer: Finest
After sending the money, send all the details of the payment as stated below
direct to this email.
SENDER’S NAME:___________________
SENDER’S ADDRESS:________________
M.T.C.N NUMBER:__________________
Awaiting the payment details as soon as possible.
Yours in service,
Dr. Ngozi Okonjo-Iweala
Finance Minister of Nigeria
Stranger in a Stranger Land
. . . . And the land I am talking about is utility bills, water and sewage bills to be specific.
This month we got a very low water-related utilities bill. I say this in relative terms, for about a year, we have been paying huge bills, bills which, to my perception, seemed out of proportion with the water we have been using. AdventureMan called the utilities company and they explained that the averages are measured in certain winter months, and then you are charged for that usage.
So this time, I called, because I didn’t understand the explanation. A very patient, very kind customer service representative explained it again to me. They send notices, she explained, saying they are about to monitor the water usage, and your sewage will be charged accordingly. “We can measure how much water you are receiving,” she explained, “but we don’t really know what is going down the pipes as sewage or waste water (laundry, etc) or going into the ground, which is not sewage. So we measure intake during three – four winter months when people are NOT watering, and guesstimate (my word, not hers, this is a sort of paraphrase, even with the quotes) what your sewage rate is.”
It’s still a little vague to me, but just clear enough for me to understand that just when we should have been NOT watering the year before, we installed a large new planted area and watered generously while the plants settled in. We watered generously during the exact time we were to be not watering at all and using water conservatively.
For a year, I have been calling in plumbers and asking them to look for a leak, fixing every kind of water problem I could find, not understanding how we were being charged so much.
We saw a program on 60 minutes, a follow up to the “Lost Boys” segment they did years ago on groups of Sudanese men who came to the US as the Janjaweed marauded through there villages, killing, raping, destroying everything in sight. It showed their disorientation as they learned how things are done here; I feel their pain. I can identify with their confusion. My next monster to tackle is COX cablevision; they keep raising my rates, it is all totally arbitrary, and I want to find an alternative. Our son – and many others – have explained different avenues, but until you actually do it, it seems complicated. I like to understand what I am doing, and I am not ready to just throw up my hands and give up; I insist on understanding! There must be some rationality (except for Cox’s mendacious billing) and we will prevail!
But for now, through no understanding on our part, we did not water during the measuring months this last year, and now have a very reasonable water bill. Ahhhhhhh. Life is sweet.
Moorish Americans Claim Abandoned Properties
Fascinating situation. How do these nut cases convince one another that what they dream up is true??? Parents in nearby Navarre had a son killed, regretfully, by police because he claimed Sovereign Citizenship, and printed his own money. It would be funny, if the consequences were not so tragic. He’s dead and his parents are grieving. It’s not like the police LIKE shooting people; they have to live with the consequences, too. There are no winners when people try to claim these non-legal rights.
This is an AOL Original article by Graham Wood
Squatter Lamont Butler Puts Faith-Based Claim on Lavish Mansion
An interesting phenomenon has been popping up around the country: Squatters attempting to claim ownership of vacant or foreclosed homes because, they say, their religion gives them the right. That’s what 28-year-old Lamont Butler argued as he attempted to take over a gaudy $6 million home (pictured above and in the photo gallery at bottom) that, The Washington Post reported, was vacant and up for sale in Bethesda, Md. Butler (pictured below) said that he claimed the home as a Moorish American national and member of the Moorish Science Temple of America, a religious group founded in the early 20th century.
Some who say they follow its precepts preach that African-Americans lived in America before European settlement and so don’t need to abide by U.S. laws, such as those pertaining to property ownership. By this rationale, Butler claimed ownership of the Bethesda mansion.
“If only a palace will do,” the home’s listing says, “this is your home.” It’s a 35,000-square-foot juggernaut of a house with 12 bedrooms and 17 bathrooms, imported marble floors and limestone terraces. The home that once played host to political bigwigs such as Bill and Hillary Clinton, now was rightfully his, Butler said. According to the Post, Butler went to Maryland’s Department of Assessments and Taxation with a historic map and documents referencing peace treaties, then asked that tax records on the home be updated to reflect his ownership. The department refused to do so without a deed showing a transfer of ownership.
After that, Butler allegedly entered the empty home on two occasions. Neighbors alerted the home’s owner when they saw cars parked out front. When police arrived at the house after complaints, they found “No Trespassing” signs hanging in the windows, a stereo on full blast and food in the refrigerator. Butler sent emails to real estate agent Jordan Fainberg, who represents the home’s listing, stating: “Even though there was no false arrest made … by the Public Servant Trustee Police Enforcers for the private foreign corporate-for-profit entity styled as Montgomery County Police Department, and conversations ended on peaceable terms, I, as well as others, will be coming to the land property estate this week.”
Butler was eventually arrested, the Post said, and along with the case of breaking-and-entering against him in Bethesda, he’d already been charged elsewhere with identity theft and concealing a dangerous weapon. Authorities say that his claim on the Bethesda mansion holds no weight. But this very odd case is no isolated incident. People calling themselves Moorish Americans have been attempting to take over properties all over the country. “I can promise you that every state has had their challenges with these guys,” Carol Foglesong, a land records official in Orange County, Fla., told the Post. States including Virginia and Maryland are even passing laws to impose stricter penalties against those who attempt such property takeovers.
Earlier this month in Memphis, Tenn., a woman claiming to be a Moorish American was arrested after allegedly breaking into and squatting in a $3.1 million mansion, Memphis TV station WHBQ reported. In that incident, a SWAT team stormed the home to remove Tabitha Gentry and her teenage daughter. Gentry claimed that her status as a Moorish American national meant that the government could not control her.
Scam from Marina Parma
Urgent Reply.
Greetings to you and your family, I am the manager of bill and exchange in THE
BANK, I have a business of 5.5 Million
United State Dollars to be transfer to your account for investment in your
country, if you are ready to assist me get
back to me, I will give you full details on how the fund will be transfer to
you.
Be rest assured that everything will be handled confidentially because, this is
a great opportunity we cannot afford to
miss, as it will make our family profit a lot.
It has been 6 years go, that most of the greedy African Politicians used our
bank to launder money overseas through the
help of their Political advisers.
Most of the funds which they transferred out of the shores of Africa were gold
and oil money that was supposed to have
been used to develop the continent.
The Political advisers always inflated the amounts before transfer to foreign
accounts so I also used the opportunity to
divert part of the fund worth five million five hundred united state dollars I
told you about and I am aware that there
is no official trace of how much was transferred as all the accounts used for
such transfers of fund at that particle
time were closed after transfer.
I am the account officer to most of the politicians and when I discovered that
they were using me to succeed in their
greedy act, I also cleaned some of their banking records from the Bank files and
no one cared to ask me for the money
was too much for them to control, as I am sending this message to you, I was
able to divert five point five Millions
Dollars ($5.5M) which is in an escrow transit account belonging to no one in the
bank, and now my bank is very anxious
to know the real beneficiary of the funds is for they have made a lot of profits
with the fund.
It has been more than five years ago and most of the politicians are no longer
in power again and they don’t use our
bank to transfer funds overseas anymore since their tenure had expired.
The $5.5 Million United State Dollars has been lying in the bank as unclaimed
fund and i will soon retire from the bank
immediately the fund is transfer into your account over there.
Immediately the fund has been successfully transfer into your account i will
come to your country for the sharing of the
fund, the fund will be shared 50% for me and 40% for you, and the other 10% for
the orphanages home and poor with
less-privilege people.
Please know that there is no one that is going to question you about the fund if
you will comply with me and follow my
instruction which will help us a lot to achieve this goal for everything is well
secured.
Please indicate your interest in this transaction my replying back and if you
are not interested do not waste your time
to reply kindly delete my message from your box ok.
Waiting to hear from you soon.
Yours Faithfully,
Mrs Marina Parma
parmamarina@voila.fr
FedEx Scam
I am not expecting any delivery – especially as Intlxpatr, LOL. Warning, when you receive notices like these, do not click anything, except the SPAM button!
Long Term Care Insurance: Buy it Young
I have a whopping bill to pay, and while I hate to do it, it is necessary. Women in my family live a long time. People in America are living longer. While retirement funds can look generous at the time you retire, health care costs and late-life care can eat those funds down to nothing . . . and then what?
It’s not like the old days. There was a time when we didn’t live so long, and women didn’t work. Who, these days, has time to stay home and care for the ailing elderly? Because we live longer, by the time we become ailing-elderly, our children are borderline elderly themselves, unable to do the heavy lifting that comes with helping the elderly do even the smallest of everyday tasks, bathing, grooming, eating, dressing – it takes strength.
I found this article on AOL’s Daily Finance page.
Long-Term Care Insurance Should Be Part of Your Financial Plan
by Michele Lerner, Mar 12th 2013 5:00AM
In the world of insurance products, long-term care insurance is a relative newcomer. It was introduced in the late 1970s, but in recent years, it has become a much more important element of retirement planning thanks to twin rises in health care costs and longevity. (Life expectancy in 1930 was just 59.7; in 2010 life expectancy for Americans was 78.7.)
Many people associate long-term care insurance with nursing homes, but it also pays for in-home care and assisted living facilities. According to the American Association for Long-Term Care Insurance, 50 percent of long-term care insurance benefits in 2011 went to pay for in-home care, 31 percent for nursing home care, and 19 percent for an assisted living facility.
How Long-Term Care Insurance Works
Each long-term care insurance policy is slightly different, but most benefits kick in based on a similar definition of “disability”: either you have severe cognitive impairment or you need help with at least two daily living activities. These activities include bathing, dressing, eating or using the bathroom.
In other words, you don’t just automatically receive the benefits when you think you could use some help or when you move into a retirement community. Policies are typically purchased with fixed daily benefits for a fixed period of time such as three years or five years.
Can You Cover These Costs Without It?
On an hourly, daily and monthly basis, the cost of the kinds of services covered by long-term care insurance really add up.
A 2012 MetLife Survey of Long-term Care Costs found:
The national average monthly base rate in an assisted living community cost $3,550 in 2012.
The national average daily rate for a private room in a nursing home cost $248; a semi-private room ran $222 per day.
The national average daily rate for adult day services was $70.
The national average for hourly rates for home health aides was $21.
While many people recognize the value of having insurance coverage to help pay for their care when they age, not everyone purchases it.
A 2012 Generational Research project by Financial Finesse showed that just 10 percent of people age 45 to 54 have purchased long-term care insurance, and only 16 percent of people age 55 to 64 have it.
Why are people forgoing coverage? It comes down to cost, according to the AARP.
How Much Does Coverage Cost?
Long-term care insurance can vary widely depending on your age at the time of purchase, the length and amount of coverage, and policy characteristics including whether your benefits are adjusted for inflation and the length of any waiting period before benefits are paid, among other things.
According to the American Association for Long-Term Care Insurance, the average annual premium for long-term care insurance in 2012 for a policy for a 50-year old with a daily benefit of $200 for three years of coverage and a 3 percent automatic compound inflation coverage was $2,235. Your policy can’t be cancelled (except for non-payment) and premiums for long-term care insurance cannot be increased on an individual basis for your age or health reasons. Still, insurance companies can raise the premiums for an entire class of policyholders (such as everyone age 75 and older).
Obviously, the older you are when you purchase long-term care insurance, the more expensive the policy and the higher the likelihood that you will be turned down for the coverage. Underwriters look at your health records as well as mortality risk to determine your eligibility for coverage.
Some companies give you a discount if you’re married because they assume spouses are likely to take care of each other longer before resorting to a nursing home.
Four Reasons You Need Long-Term Care Insurance
So how do you know if you need this kind of insurance? If you have more limited retirement savings, long-term care insurance should probably be part of your financial plan. And even if you have $2 million or $3 million in the bank for your retirement and future health care needs, don’t dismiss these policies before you examine the benefits more closely. Consider, for example:
How much longer we’re living these days. The longer you live, the higher your chances of needing some type of long-term care, either in your home, in a nursing home or in an assisted living facility.
Rising health care costs. AARP says that health care costs have historically outpaced the overall rate of inflation. If you need to live in a nursing home for more than a year or two, you could need $250,000 or more to pay for it.
How far your retirement investments will really take you. Your 401(k) may look good when you retire at 65, but if you need to pay for assisted living or even a home health aide the income generated by your retirement investments could get eaten away very quickly. If one spouse needs to live in a nursing home but the other can stay at home, you’ll need enough savings to cover two separate living expenses.
Your family’s emotional and financial health. Even wealthy families often choose to purchase long-term care insurance because the policy can make decisions about how to care for loved ones easier by giving them more options. Instead of draining their inheritance, your family members can use insurance benefits to pay for home health care or to cover some of the expense of a more costly nursing home.
Financial experts suggest purchasing long-term care insurance between age 55 and 64, but remember that the younger you are when you buy it, the lower your premiums will be. If you or your parents are 50 or 55, it’s time to discuss your options with an insurance agent.
A Thorny Sermon: The Prodigal Son
From today’s Lectionary reading, the Gospel:
GOSPEL: Luke 15: 1 – 3, 11b – 32 (RCL)
Luke 15: 1 – 3, 11 – 32 (Roman Catholic)
Luke 15:1 (NRSV) Now all the tax collectors and sinners were coming near to listen to him. 2 And the Phar’isees and the scribes were grumbling and saying, “This fellow welcomes sinners and eats with them.”
3 So he told them this parable:
11 Then Jesus said, “There was a man who had two sons. 12 The younger of them said to his father, “Father, give me the share of the property that will belong to me.’ So he divided his property between them. 13 A few days later the younger son gathered all he had and traveled to a distant country, and there he squandered his property in dissolute living.
14 When he had spent everything, a severe famine took place throughout that country, and he began to be in need. 15 So he went and hired himself out to one of the citizens of that country, who sent him to his fields to feed the pigs. 16 He would gladly have filled himself with the pods that the pigs were eating; and no one gave him anything.
17 But when he came to himself he said, “How many of my father’s hired hands have bread enough and to spare, but here I am dying of hunger! 18 I will get up and go to my father, and I will say to him, “Father, I have sinned against heaven and before you; 19 I am no longer worthy to be called your son; treat me like one of your hired hands.” ‘
20 So he set off and went to his father. But while he was still far off, his father saw him and was filled with compassion; he ran and put his arms around him and kissed him. 21 Then the son said to him, “Father, I have sinned against heaven and before you; I am no longer worthy to be called your son.’ 22 But the father said to his slaves, “Quickly, bring out a robe–the best one–and put it on him; put a ring on his finger and sandals on his feet. 23 And get the fatted calf and kill it, and let us eat and celebrate; 24 for this son of mine was dead and is alive again; he was lost and is found!’ And they began to celebrate.
25 “Now his elder son was in the field; and when he came and approached the house, he heard music and dancing. 26 He called one of the slaves and asked what was going on. 27 He replied, “Your brother has come, and your father has killed the fatted calf, because he has got him back safe and sound.’
28 Then he became angry and refused to go in. His father came out and began to plead with him. 29 But he answered his father, “Listen! For all these years I have been working like a slave for you, and I have never disobeyed your command; yet you have never given me even a young goat so that I might celebrate with my friends. 30 But when this son of yours came back, who has devoured your property with prostitutes, you killed the fatted calf for him!’
31 Then the father said to him, “Son, you are always with me, and all that is mine is yours. 32 But we had to celebrate and rejoice, because this brother of yours was dead and has come to life; he was lost and has been found.'”
Sometimes people will leave off the part about the elder son, and just concentrate on the return of the younger son, focusing on the father watching always, hoping for the return of the younger son, ready to forgive and welcome before the words can even get out of the younger son’s mouth.
It is wonderful, and reassuring, for those of us sinners.
Many, however – including me – can also identify with the oldest son who says “I’ve always done everything right and you’ve NEVER given me a tiny goat, much less a fatted calf, and you’re throwing this party for the son who blew his entire fortune on louche living???”
It doesn’t seem fair, does it? Isn’t that really the point of the story, that we can’t behave our way into heaven, it is sheer grace, the love of the heavenly creator, that allows us in? It’s not an easy concept to wrap my mind around, so today I struggle to take it in, and I give thanks for Father Neil who tackles the hard questions and doesn’t just sweep them under the carpet because they are inconvenient. (The sermon isn’t up yet, but when it is available, you will find it here)







