ROL_2009-10-08_16k.timecode

[00:00.000 --> 00:10.760]  Massachusetts lawmakers are considering giving public health officials the authority to isolate
[00:10.760 --> 00:17.400]  individuals and set up quarantines to contain the outbreak of serious contagious diseases.
[00:17.400 --> 00:21.800]  The bill would also give the Public Health Commissioner the power to evacuate public
[00:21.800 --> 00:26.360]  buildings and close access to contaminated areas.
[00:26.360 --> 00:31.880]  A suicide car bomb exploded outside the Indian Embassy in Afghanistan Thursday, killing at
[00:31.880 --> 00:35.240]  least 17 people and wounding 83.
[00:35.240 --> 00:40.160]  A Taliban spokesman claimed responsibility, but the attack appeared similar to one in
[00:40.160 --> 00:46.800]  July 2008, which U.S. intelligence officials believe Pakistan's intelligence agency helped
[00:46.800 --> 00:48.360]  plan.
[00:48.360 --> 00:53.040]  According to a new poll, many Americans have been putting off doctor's visits, medical
[00:53.040 --> 00:59.360]  tests and taking expired medications to save money.
[00:59.360 --> 01:04.920]  The American Civil Liberties Union said Wednesday a little-noticed provision in a Homeland Security
[01:04.920 --> 01:11.040]  funding bill could end efforts to make public photos of prisoners abused in U.S. custody
[01:11.040 --> 01:12.320]  abroad.
[01:12.320 --> 01:17.120]  Congress members have added a provision to the bill that would make such photos exempt
[01:17.120 --> 01:19.480]  from the Freedom of Information Act.
[01:19.480 --> 01:25.440]  The measure strikes at the heart of the ACLU's efforts to make public some 2,000 photos
[01:25.440 --> 01:27.520]  of alleged abuse.
[01:27.520 --> 01:33.720]  In 2005, a U.S. District Court judge ordered the photos released, but the Bush administration
[01:33.720 --> 01:35.280]  appealed the ruling.
[01:35.280 --> 01:40.760]  In 2008, an appeals court upheld the ruling and again ordered the photos released.
[01:40.760 --> 01:46.080]  At first, the Obama administration said it would comply with the ruling, but the administration
[01:46.080 --> 01:50.640]  reversed itself and asked the Supreme Court to hear the case.
[01:50.640 --> 01:55.520]  The court will decide Friday if it will hear the case, but legal efforts could be scuttled
[01:55.520 --> 02:00.240]  if the funding bill is passed.
[02:00.240 --> 02:05.240]  Representative Charlie Wilson, the man whose adopted mission to save Afghanistan from the
[02:05.240 --> 02:11.720]  Soviet incursion in the 1980s, spawned the notion of Afghan freedom fighters, a book
[02:11.720 --> 02:16.000]  and a Hollywood movie, now says we need to get out of Dodge.
[02:16.000 --> 02:21.000]  Wilson says he advocates a calculated withdrawal of American troops rather than lose a lot
[02:21.000 --> 02:23.360]  of soldiers and treasure.
[02:23.360 --> 02:28.360]  During the heated debate over whether Barack Obama should commit more U.S. troops, Wilson's
[02:28.360 --> 02:30.760]  words are significant.
[02:30.760 --> 02:34.920]  Wilson was a passionate defender of the Afghan people's right to self-government and his
[02:34.920 --> 02:40.520]  saying we should pull out is starkly different from typical anti-war sentiment.
[02:40.520 --> 02:45.280]  Wilson stated why we cannot beat the enemy in Afghanistan, quote, I'd rather take on
[02:45.280 --> 02:49.040]  a chainsaw, they're the world's best foot soldiers.
[02:49.040 --> 02:53.320]  Wilson added they're fearless, they've got nothing to lose and they have a pretty serious
[02:53.320 --> 03:21.880]  hatred for those who try to occupy their country.
[03:53.720 --> 03:56.280]  what you gonna do when they come for you?
[03:56.280 --> 04:01.480]  when you were eight and you had bad dreams, you'd go to school and learn the golden rule,
[04:01.480 --> 04:04.400]  so why are you acting like a bloody fool?
[04:04.400 --> 04:07.120]  if you get high and you must get cruel!
[04:07.120 --> 04:12.440]  bad boys, bad boys, what you gonna do, oh what you gonna do when they come for you?
[04:12.440 --> 04:18.240]  bad boys, bad boys, what you gonna do, oh what you gonna do when they come for you?
[04:18.240 --> 04:22.400]  you chuck it on that one, you chuck it on this one, you chuck it on your mother and
[04:22.400 --> 04:26.440]  you chuck it on your father, you chuck it on your brother and you chuck it on your sister,
[04:26.440 --> 04:29.000]  you chuck it on that one and you chuck it on me!
[04:29.000 --> 04:33.000]  bad boys, bad boys, what you gonna do, oh what you gonna do when they come for you?
[04:33.000 --> 04:40.920]  all right, bad boys, bad boys, what are you gonna do when we come for you?
[04:40.920 --> 04:47.320]  this is the rule of law, Randy Kelton and Deborah Stevens, Eddie Craig joins us on Mondays
[04:47.320 --> 04:49.280]  and Fridays.
[04:49.280 --> 04:54.920]  all right, tonight Randy has some material for you, he's going to be discussing fraud
[04:54.920 --> 05:01.280]  in the mortgage industry, but before that I wanted to read this article, Randy may find
[05:01.280 --> 05:09.080]  interesting, not sure, you know, if this lawsuit is going to go anywhere, but Randy I just
[05:09.080 --> 05:13.800]  wanted to see what you think about this, there is a former lieutenant colonel suing the state
[05:13.800 --> 05:21.520]  of Florida over a forced vaccination policy, let me just read this to you, this is on InfoWars,
[05:21.520 --> 05:28.720]  this actually came from a mainstream media, Acalusa County in Florida, channel 3 in Acalusa
[05:28.720 --> 05:36.560]  County, former lieutenant colonel almost died from taking a smallpox shot is suing the state
[05:36.560 --> 05:42.560]  of Florida over a law that allows the government to forcibly vaccinate the public in the event
[05:42.560 --> 05:49.080]  of a pandemic, Carmen Reynolds claims that the vaccination she was forced to take during
[05:49.080 --> 05:54.800]  her 20 year military career destroyed her body builder physique and also wrecked her
[05:54.800 --> 06:01.920]  internally causing excruciating pain and permanently damaging her immune system, the Florida law
[06:01.920 --> 06:08.640]  mandating forcible vaccinations in the event of a public health emergency makes no exceptions
[06:08.640 --> 06:15.760]  for religious objections or health conditions and allows for police force to be used, boy
[06:15.760 --> 06:20.960]  that's a typo there, allows for the police force to be used to quarantine individuals
[06:20.960 --> 06:28.600]  who refuse to take the shots or even forcibly inject them at gunpoint if necessary, quote,
[06:28.600 --> 06:35.240]  I refuse to be killed by another vaccine, stated Reynolds who is suing Florida's governor,
[06:35.240 --> 06:40.800]  attorney general and surgeon general over the law, quote, I served my country for 22
[06:40.800 --> 06:45.800]  years not to be told that I'm a criminal, a second degree misdemeanor offender because
[06:45.800 --> 06:51.360]  I raised my hand and said this isn't right, I don't want toxins in my body because it
[06:51.360 --> 06:58.040]  jeopardizes my health, Reynolds told ABC 3 News, at a court hearing in Milton this week
[06:58.040 --> 07:03.720]  Reynolds was granted a continuance until December 1st to find an attorney but the attorney general's
[07:03.720 --> 07:09.800]  office has filed a motion to dismiss the case arguing that Reynolds has not been directly
[07:09.800 --> 07:15.720]  affected by the law, similar laws are on the books across America and could easily be enforced
[07:15.720 --> 07:21.560]  should the swine flu pandemic return in the form of a deadlier mutation as officials have
[07:21.560 --> 07:30.240]  been saying is likely to happen, ooh big scare, well I have a few issues with this situation
[07:30.240 --> 07:35.800]  here with this woman, number one she's suing the state of Florida because she was forced
[07:35.800 --> 07:41.640]  to take vaccines when she was in the military, I don't think that's applicable, I mean because
[07:41.640 --> 07:46.960]  if she's suffering damage from being forced to take vaccinations in the military she should
[07:46.960 --> 07:51.120]  be suing the military and number two I don't even think she could sue the military because
[07:51.120 --> 07:59.360]  when you join up into the military you basically agree to hold them free from harm for whatever
[07:59.360 --> 08:05.640]  they do to you as far as vaccinations or experimental medical procedures, no I think you missed the
[08:05.640 --> 08:13.600]  point, she wasn't suing the state of Florida because she was injured, she was suing the
[08:13.600 --> 08:22.320]  state of Florida and used the fact that she was injured by vaccines as cause not to be
[08:22.320 --> 08:27.360]  forced to do it again, okay well then that's different, she's just using that as some kind
[08:27.360 --> 08:34.920]  of historical evidence, okay but there is a point here if the opposing side is saying
[08:34.920 --> 08:41.080]  that she hasn't been damaged yet so she's got nothing to sue over then that, she could
[08:41.080 --> 08:48.840]  sue however if they're going after her, if they're prosecuting her for not taking the
[08:48.840 --> 08:53.960]  vaccine, if that's what's going on, it doesn't say that she's under prosecution but that
[08:53.960 --> 09:04.800]  sort of sounds like that's what's going on, well they haven't instituted it yet but all
[09:04.800 --> 09:12.000]  the law is predicated by the reasonable person standard, well they may have instituted it
[09:12.000 --> 09:19.600]  yet that's what I'm saying if they're prosecuting her already, if you don't take this shot it's
[09:19.600 --> 09:24.480]  okay for the police to shoot you between the eyes with a double-barrel shotgun, no what
[09:24.480 --> 09:31.000]  I'm saying is that if they're prosecuting her, if she's under indictment right now,
[09:31.000 --> 09:36.920]  if she's being charged with a crime for not taking the vaccine right now then she can
[09:36.920 --> 09:45.520]  file a counterclaim, now wait a minute, if they pass a law that says in the event of
[09:45.520 --> 09:55.680]  a pandemic we can give you a, forcibly give you a shot that is known and proven to have
[09:55.680 --> 10:03.600]  killed a great number of people, what the court's saying well you can't raise an objection
[10:03.600 --> 10:11.520]  unless they already killed you with it, you have to wait until they give you a death sentence
[10:11.520 --> 10:18.760]  by injecting it in you before you have standing, we still are what Dr. Graves keeps saying
[10:18.760 --> 10:25.360]  we're guided by the reasonable person standard, well see what I was saying is that if they're
[10:25.360 --> 10:30.440]  already prosecuting her apparently this law is already on the books and if they're already
[10:30.440 --> 10:35.520]  prosecuting her and she's already under some kind of indictment then she has standing to
[10:35.520 --> 10:47.640]  file a counterclaim, well I say she has standing anyway because the level of threat is beyond,
[10:47.640 --> 10:56.640]  it exceeds a reasonable standard, yeah because how are you going to sue if you're dead, it's
[10:56.640 --> 11:02.680]  kind of like the, I have to wait till I'm dead to sue in order to have standing that
[11:02.680 --> 11:09.240]  this doesn't even make any sense, the Military Commissions Act says in the event of a national
[11:09.240 --> 11:20.160]  emergency the president can dissolve the congress so and eliminate the courts and everything
[11:20.160 --> 11:25.800]  goes to military court so you haven't been damaged by it so you don't have standing to
[11:25.800 --> 11:33.640]  complain however if it is instituted then you will, the courts will be eliminated and
[11:33.640 --> 11:41.840]  there will be no way to complain, somehow that doesn't just seem fit right, no I don't
[11:41.840 --> 11:51.760]  think so, it goes to the person standard where it creates an unreasonable level of risk,
[11:51.760 --> 12:01.920]  we should not be held to the requirement that we be damaged before we raise an issue, I
[12:01.920 --> 12:07.040]  mean they arrest people and put them in jail for DUI even if they haven't killed a bunch
[12:07.040 --> 12:11.720]  of people and they say the reason we can do this is because you could kill a bunch of
[12:11.720 --> 12:19.680]  people, well that violates preemption doctrine but it also goes to reasonable person standards,
[12:19.680 --> 12:27.400]  should we wait until the guy runs across the center mound on I-30 and hits a carload of
[12:27.400 --> 12:33.780]  teenagers coming home from a football game and kills them all, walks away from it, should
[12:33.780 --> 12:42.640]  we wait until then to arrest a guy for DUI, I say this creates an unreasonable risk and
[12:42.640 --> 12:49.800]  she should not be held to the standard of personal harm before she can raise the issue
[12:49.800 --> 12:56.080]  because the potential personal harm is so great to be beyond reason.
[12:56.080 --> 13:00.320]  Well yeah and that's why she's coming with all this evidence of past history of damage
[13:00.320 --> 13:04.920]  done to her from vaccines but I don't even think that it should have to go that far,
[13:04.920 --> 13:09.720]  I mean there's plenty of studies to show how damaging and risky these things are, I
[13:09.720 --> 13:16.200]  shouldn't even have to show that I personally have been damaged by vaccines in the past,
[13:16.200 --> 13:21.200]  it's enough to show that other people have been damaged and in fact I don't even think
[13:21.200 --> 13:26.720]  I have to take it that far, okay, it's enough to say it's my body and you're not the boss
[13:26.720 --> 13:35.440]  of me and I don't want a vaccine put in me and I ain't going to take it and that's it.
[13:35.440 --> 13:39.260]  Damage or no damage, I don't care if it's good for me, I don't care if you think it's
[13:39.260 --> 13:43.000]  good for me, I don't care if I think it's good for me, it's still my body and I don't
[13:43.000 --> 13:47.200]  want it, that should be enough.
[13:47.200 --> 13:49.000]  This is a difficult question.
[13:49.000 --> 13:55.200]  It's not too difficult for me, it's my body and I don't want it and that should be all
[13:55.200 --> 13:57.680]  the reason necessary.
[13:57.680 --> 14:06.040]  Those of us in the community understand how dangerous this is but those not in the community
[14:06.040 --> 14:13.280]  who don't understand how dangerous it is will have trouble understanding the level of our
[14:13.280 --> 14:14.280]  objection.
[14:14.280 --> 14:20.440]  Well see the thing is they really shouldn't be concerned with whether I object to or not.
[14:20.440 --> 14:25.600]  If they think it's a wonderful thing then they can go ahead and take the vaccine then
[14:25.600 --> 14:33.480]  they're protected so what do they care, why should they care if I take the vaccine or
[14:33.480 --> 14:41.480]  not because it's not harming other people if I don't take it because if they take it
[14:41.480 --> 14:48.980]  then they're quote unquote protected okay so that's all that should matter.
[14:48.980 --> 14:54.280]  Why should they be concerned if I take it or not because if they take it in their own
[14:54.280 --> 14:58.920]  minds if they're protecting themselves by taking the vaccine then the buck should stop
[14:58.920 --> 14:59.920]  right there.
[14:59.920 --> 15:04.680]  They shouldn't care if I take it or not they should only care if they take it I'm not causing
[15:04.680 --> 15:07.520]  them harm by not taking it you see.
[15:07.520 --> 15:09.520]  Ah, specious logic.
[15:09.520 --> 15:20.480]  No it's not but the vaccination protects the individual that takes it that's the presupposition
[15:20.480 --> 15:28.560]  okay so I'm protecting myself by taking the vaccination that means I don't get the disease
[15:28.560 --> 15:33.680]  that is the presupposition of vaccinations to begin with.
[15:33.680 --> 15:40.880]  All reasonable people who know anything about disease and vaccinations are well aware that
[15:40.880 --> 15:52.360]  vaccinations are not totally reliable the problem is extreme exposure so they're saying
[15:52.360 --> 16:00.360]  that even if I've had the vaccine if you cause a pandemic and it causes extreme exposure
[16:00.360 --> 16:07.120]  there's a good likelihood I could develop simply because of the extreme exposure you
[16:07.120 --> 16:09.560]  created by carrying the pandemic.
[16:09.560 --> 16:12.440]  Life is tough.
[16:12.440 --> 16:13.860]  Not that tough.
[16:13.860 --> 16:15.520]  I'm not causing the pandemic.
[16:15.520 --> 16:16.520]  You know what?
[16:16.520 --> 16:25.240]  Should someone with communicable tuberculosis be allowed to just move around however he
[16:25.240 --> 16:26.240]  chooses?
[16:26.240 --> 16:29.560]  No wait a minute no no hold on now you're going to a different issue Randy now you're
[16:29.560 --> 16:34.400]  talking about quarantine I'm talking about you're saying no I'm talking about no force
[16:34.400 --> 16:39.000]  now you're going to another issue now you're you're bringing up quarantine I'm talking
[16:39.000 --> 16:47.360]  about forced vaccinations those are two different issues those are two totally different issues
[16:47.360 --> 16:52.560]  forcing vaccinations on people and quarantining them are two different issues all right let's
[16:52.560 --> 17:01.560]  go to break we'll be right back.
[17:01.560 --> 17:06.560]  Hello Austin my name is Harlan Dietrich owner of Brave New Books a local independent bookstore
[17:06.560 --> 17:10.800]  many of you are familiar with the bookstore and have attended some of our events we've
[17:10.800 --> 17:15.200]  been proud to host speakers like Alex Jones, Ron Paul, Jim Mars, Catherine Albert, Wester
[17:15.200 --> 17:19.760]  Carpley, G. Edward Griffin and many other heroic figures in the patriot movement but
[17:19.760 --> 17:24.600]  now Brave New Books needs your help in order to continue to provide a space for these events
[17:24.600 --> 17:29.320]  and be an outlet for hard-to-find materials we're going to need you Austin to help spread
[17:29.320 --> 17:33.200]  the word about the bookstore please tell your friends and family about the wide variety
[17:33.200 --> 17:39.480]  of materials we offer we also have DVD duplication capabilities for all you activists also if
[17:39.480 --> 17:44.320]  you haven't visited us yet please come down and show your support it is so easy to support
[17:44.320 --> 17:48.720]  the big corporate chain stores that do nothing to further our message remember you vote with
[17:48.720 --> 17:55.760]  your dollars we're counting on you Austin if you need any information please call 512-480-2503
[17:55.760 --> 18:02.760]  or visit us at 1904 Guadalupe Street thank you everyone
[18:25.760 --> 18:33.760]  okay we are back
[18:55.760 --> 19:01.480]  we asked the questions and they don't have the answer yeah what are they hiding anyway
[19:01.480 --> 19:05.400]  just the fact that they want to make a bunch of money off of these vaccines and there is
[19:05.400 --> 19:13.400]  no pandemic in fact it's a total lie and the forced vaccination issue is a very different
[19:13.400 --> 19:20.760]  one from the quarantine you know I have no problems staying inside my house but they
[19:20.760 --> 19:25.160]  ain't going to be dragging me out of the house or sticking a needle in my arm at gunpoint
[19:25.160 --> 19:29.160]  no I have no problems staying inside my house see and these all these laws that they're
[19:29.160 --> 19:34.680]  passing now are trying to pass regarding forced vaccination it doesn't take that into account
[19:34.680 --> 19:38.300]  they just want to walk up to your door and put a gun in your head and put a needle in
[19:38.300 --> 19:43.160]  your arm and they don't even give you the option to stay inside your house and that
[19:43.160 --> 19:49.880]  is the problem that is the big problem right there you know we've got to do something about
[19:49.880 --> 19:55.960]  it you know and people should be suing over this people absolutely should be suing over
[19:55.960 --> 20:01.240]  this I agree I absolutely agree with this woman that she's absolutely doing the right
[20:01.240 --> 20:12.240]  thing this issue should be carefully examined in a court right because in this particular
[20:12.240 --> 20:21.880]  instance it's relatively clear that there is no pandemic and that all of this has been
[20:21.880 --> 20:28.220]  fabricated yeah and in the last instance of the so-called swine flu there were like two
[20:28.220 --> 20:34.200]  people that died from the from the actual disease itself and thousands were killed from
[20:34.200 --> 20:44.920]  the vaccination so now you've got historical evidence for this particular strain of flu
[20:44.920 --> 20:49.340]  it's ridiculous man it's just a big it's just a big money scam it's just a big money
[20:49.340 --> 20:59.020]  in control scam well I understand that but as to the issue
[20:59.020 --> 21:10.400]  do people in a ordered society do they have a duty to their friends and neighbors not
[21:10.400 --> 21:27.920]  to risk their death so that an individual can exercise a singular personal preference
[21:27.920 --> 21:33.560]  question well no it's not so hard because we know the whole thing's a bunch of crap
[21:33.560 --> 21:39.760]  I don't know if it is such a hard question because it goes back to just basic fundamental
[21:39.760 --> 21:44.120]  principles of liberty and that you're free to do what you want as long as you're not
[21:44.120 --> 21:54.740]  harming somebody else so if I if I am not infected okay then my liberty should not be
[21:54.740 --> 22:01.160]  restricted because I'm not harming other people by infecting other people and you know what
[22:01.160 --> 22:08.840]  there's already laws on the books that have to do with issues like that what laws are
[22:08.840 --> 22:16.360]  there there's already health laws Randy when it comes to like communicable diseases STDs
[22:16.360 --> 22:22.760]  and stuff that you know people that get reported to the health department and they'll go out
[22:22.760 --> 22:29.640]  to people's doors well there's already there's already there's already things like that it
[22:29.640 --> 22:33.520]  has to do with communicable diseases and there's already things like that on the books that
[22:33.520 --> 22:40.160]  have to do with you going around damaging other people and so like I said I just don't
[22:40.160 --> 22:45.240]  think it's that hard of a question if I'm not infected don't restrict my liberty and
[22:45.240 --> 22:50.360]  don't force me to take the vaccine now if it's shown that I am infected well then that's
[22:50.360 --> 23:01.680]  a different story how long from exposure to the time you begin to show symptoms at what
[23:01.680 --> 23:08.360]  point in those in that time period do you become communicable see now now we're going
[23:08.360 --> 23:15.680]  to now we're going to gray areas of preemptive restrictions of people's liberties this okay
[23:15.680 --> 23:22.240]  this is exactly the argument they're making you become communicable before you develop
[23:22.240 --> 23:30.120]  symptoms so since that could possibly happen we have to take preemptive steps and rip away
[23:30.120 --> 23:35.440]  all your rights because you might give somebody the flu and give them a headache like I said
[23:35.440 --> 23:42.080]  life is tough they can they can get a vaccination if they want to protect themselves what I'm
[23:42.080 --> 23:49.560]  looking for is a really effective way of making the argument that we want to make considering
[23:49.560 --> 23:57.600]  the mindset of the guy who's who's out here who's not awake and who doesn't understand
[23:57.600 --> 24:02.760]  that the government is not their friend well the best you know the best thing that I can
[24:02.760 --> 24:07.880]  come up with so far and I'm not and I'm not even so sure I'm in agreement with this is
[24:07.880 --> 24:14.080]  just that they could at least give people the option of staying inside their homes but
[24:14.080 --> 24:18.640]  but this matter of we're going to yank you out of your house and throw you in a camp
[24:18.640 --> 24:24.440]  unless you take a needle in your arm at gunpoint I'm sorry but that's got to go that that just
[24:24.440 --> 24:31.560]  don't fly in my book and I like I said I'm not even so sure I like the other option either
[24:31.560 --> 24:38.520]  I mean because it's just all a bunch of fear-mongering and so you know this preemptive business anyway
[24:38.520 --> 24:45.760]  I mean there's not people dropping dead in the streets you know there's been a handful
[24:45.760 --> 24:51.080]  of people that have died and the people that have died it's because they already had a
[24:51.080 --> 24:58.040]  pre-existing condition A like diabetes or cancer or severe immune disorder and then
[24:58.040 --> 25:05.640]  they happen to get swine flu or some other virus for that matter and then they end up
[25:05.640 --> 25:12.360]  dying due to complications of that and so they really ended up dying from condition
[25:12.360 --> 25:22.600]  A well as I understand there there's no indication there's no direct indication that swine flu
[25:22.600 --> 25:33.720]  is any more dangerous than any other flu that's out there that this year flu is in any greater
[25:33.720 --> 25:39.000]  condition than any any normal year and that the indication is is we have normal amounts
[25:39.000 --> 25:47.600]  of flu and the virulence of the flu is essentially normal so it's all a bunch of hogwash that's
[25:47.600 --> 25:59.760]  what I was saying but I was arguing the position to where if all of this wasn't a bunch of
[25:59.760 --> 26:07.520]  hogwash and there really was a threat how do we handle this how do we balance an individual's
[26:07.520 --> 26:19.040]  right against the right of the public to be essentially safe from unreasonable levels
[26:19.040 --> 26:32.480]  of risk well Randy Raylor and I were got on this very issue from this very topic and he
[26:32.480 --> 26:39.200]  was absolutely taking the libertarian position that if you haven't harmed anyone actually
[26:39.200 --> 26:45.200]  this came from DUI if you haven't harmed anyone they shouldn't charge you a DUI because there's
[26:45.200 --> 26:53.080]  no in your party and we kind of walked up to levels of risk and I said well what if
[26:53.080 --> 26:59.560]  I were to decide to build an atomic bomb in my backyard and he said well you couldn't
[26:59.560 --> 27:06.280]  do that yes you can whoever tells you that's telling you a bunch of crap oh you most certainly
[27:06.280 --> 27:16.480]  can all of this stuff about special triggers simply not true read the the Manhattan project
[27:16.480 --> 27:24.960]  and what they did there they came within a hair's breadth of wiping Chicago off the face
[27:24.960 --> 27:35.120]  of the planet simply because they got these two products in two greater quantity in greater
[27:35.120 --> 27:41.480]  two greater proximity of one to the other that would have been sufficient to create
[27:41.480 --> 27:47.880]  a chain reaction so yeah you can build one in your backyard so should I be able to build
[27:47.880 --> 27:53.760]  one in my backyard is that an acceptable level of risk as long as I haven't hurt anybody
[27:53.760 --> 28:03.200]  and the staunch libertarian finally conceded that they bomb now he wouldn't go he said
[28:03.200 --> 28:09.800]  okay okay we'll pass on the a bomb then if we pass on the a bomb where do we draw the
[28:09.800 --> 28:22.800]  line and how do we draw the line what's acceptable what level of risk can we allow our neighbor
[28:22.800 --> 28:30.120]  to pose for us before we stand up and are willing to take away some of the rights of
[28:30.120 --> 28:37.080]  our neighbor well I'm sorry but going around and want to stick needles in people's arms
[28:37.080 --> 28:41.880]  and have poison in them takes things a little bit further than just taking away someone's
[28:41.880 --> 28:48.560]  rights so that to me isn't the issue they're wanting to they're wanting to harm me now
[28:48.560 --> 28:55.720]  at this point because there is long clear history of documented scientific evidence
[28:55.720 --> 29:02.120]  that there are very dangerous chemicals and poisons in these vaccinations so this is goes
[29:02.120 --> 29:11.080]  beyond this just taking away someone's right to now you want to harm me you want to absolutely
[29:11.080 --> 29:20.320]  harm me with something that is documented to cause harm and it under a preemptive doctrine
[29:20.320 --> 29:25.080]  when I haven't even harmed you first so now you absolutely want to harm me and I have
[29:25.080 --> 29:30.120]  not harmed anyone so that crosses the line Randy you're not just taking away someone
[29:30.120 --> 29:35.360]  rights you're harming them at that point with these vaccinations I understand I was just
[29:35.360 --> 29:41.080]  looking for the line okay well the line is now you're causing harm to somebody else you're
[29:41.080 --> 29:46.760]  not just taking away their right so so that's so now now you've gone beyond beyond when
[29:46.760 --> 30:00.920]  we come back we're going to talk about mortgage debts okay we'll be right back
[30:00.920 --> 30:05.480]  there comes a time in every Patriots life when they must ask themselves will I sit idly
[30:05.480 --> 30:09.980]  by as tyranny engulfs the globe or will I do everything in my power to defend the freedom
[30:09.980 --> 30:14.560]  inherent in all men across the world will I give up hope in the face of seemingly impossible
[30:14.560 --> 30:19.520]  odds will I use the intensity of the struggle ahead of me to strengthen my convictions my
[30:19.520 --> 30:23.800]  name is John Bush and I've chosen to stand tall on the side of Liberty many other Patriots
[30:23.800 --> 30:28.040]  like myself that come together to call for a new Continental Congress just as our founders
[30:28.040 --> 30:32.400]  assembled before us we too will gather to discuss the abuses of our government and what
[30:32.400 --> 30:36.800]  we can do to correct them I'm asking for your vote and your support and being one of three
[30:36.800 --> 30:41.680]  Texans to represent our great state in this historic event you can vote this Saturday
[30:41.680 --> 30:47.960]  October the 10th at Ruta Maya on 3601 South Congress Avenue anytime from 10 a.m. to 4
[30:47.960 --> 30:54.000]  p.m. again that's Saturday October the 10th at Ruta Maya on 3601 South Congress Avenue
[30:54.000 --> 31:01.000]  go to GiveMeLiberty.org for more info and remember to always humanize, harmonize, localize
[31:24.400 --> 31:27.240]  your power.
[31:27.240 --> 31:34.240]  When you're gonna stop abuse, you're power.
[31:34.240 --> 31:38.240]  When you're gonna stop abuse, you're power.
[31:38.240 --> 31:41.240]  When you're gonna stop abuse, you're power.
[31:41.240 --> 31:48.240]  So please Mr. McAuliffe, I teach officers not to abuse their power.
[31:48.240 --> 31:55.240]  Send a request to the leader, the captain of all officers.
[31:55.240 --> 32:00.240]  Tell them to uphold the law, and please don't abuse their power.
[32:00.240 --> 32:07.240]  They beat and they beat and they cheat and they cheat and they lie every hour.
[32:07.240 --> 32:12.240]  So Mr. Officer, please stop abusing your power.
[32:12.240 --> 32:18.240]  You pulled me over and held me in silence, sir.
[32:18.240 --> 32:24.240]  I need to speak to my lawyer, Mr. Officer.
[32:24.240 --> 32:29.240]  If I feel like you're the judge, find me guilty, sir.
[32:29.240 --> 32:35.240]  So when you're gonna stop abuse, you're power.
[32:35.240 --> 32:40.240]  When you're gonna stop abuse, you're power.
[32:40.240 --> 32:45.240]  When you're gonna stop abuse, you're power.
[32:45.240 --> 32:51.240]  When you're gonna stop abuse, you're power.
[32:51.240 --> 32:54.240]  So Mr. Officer, abuse with his power.
[32:54.240 --> 32:57.240]  Please Mr. McAuliffe, help the officer.
[32:57.240 --> 33:02.240]  So they could understand they should uphold the law instead of abusing the power.
[33:02.240 --> 33:05.240]  You know they act like they're judging you and me.
[33:05.240 --> 33:08.240]  But Mr. Officer, you're supposed to protect me.
[33:08.240 --> 33:11.240]  Uphold the law and do it properly.
[33:11.240 --> 33:14.240]  And the citizens of this country wouldn't be so angry.
[33:14.240 --> 33:16.240]  Look what they did to that little king.
[33:16.240 --> 33:18.240]  Okay, we are back.
[33:18.240 --> 33:20.240]  For nothing.
[33:20.240 --> 33:24.240]  The rule of law, Randy Kelton, Deborah Stevens.
[33:24.240 --> 33:29.240]  Okay, we need to stop abusing your power.
[33:29.240 --> 33:32.240]  Okay, so we got a couple of callers and line callers.
[33:32.240 --> 33:34.240]  Just sit tight.
[33:34.240 --> 33:42.240]  We're gonna discuss the material Randy had planned tonight, which has to do with mortgages.
[33:42.240 --> 33:43.240]  Let's go ahead and take the callers.
[33:43.240 --> 33:44.240]  They're probably on topic.
[33:44.240 --> 33:49.240]  We had a pretty divisive debate there.
[33:49.240 --> 33:51.240]  We've probably got somebody on topic.
[33:51.240 --> 33:52.240]  We might be better.
[33:52.240 --> 33:53.240]  Let them ask questions.
[33:53.240 --> 33:56.240]  Well, yeah, I don't think it was really all that divisive.
[33:56.240 --> 34:02.240]  And I think that maybe we're going to ethereal abstract libertarian principles a little bit more than necessary
[34:02.240 --> 34:08.240]  because, like I said, the whole foundational principle behind vaccinations to begin with
[34:08.240 --> 34:14.240]  is that it protects the individual who's receiving the vaccine.
[34:14.240 --> 34:15.240]  That's your shield.
[34:15.240 --> 34:19.240]  It really shouldn't matter to you if anyone else takes it or not.
[34:19.240 --> 34:25.240]  And yeah, there may be another tiny little, you know, you may have a little teeny risk that it may not work,
[34:25.240 --> 34:32.240]  but you're still, you know, according to the principle, doing everything you can to protect yourself.
[34:32.240 --> 34:34.240]  And it's a very dangerous thing to do.
[34:34.240 --> 34:37.240]  And it's not just about taking away someone's rights.
[34:37.240 --> 34:39.240]  It's about harming another person.
[34:39.240 --> 34:45.240]  So I really think we're going to the abstract hybrid tower libertarian principles a little bit more than necessary.
[34:45.240 --> 34:49.240]  Let's go to Kathy in Texas.
[34:49.240 --> 34:51.240]  Kathy, thanks for calling in.
[34:51.240 --> 34:52.240]  What is your question?
[34:52.240 --> 34:54.240]  What's on your mind tonight?
[34:54.240 --> 35:00.240]  Well, I did have a question about subpoena, but if you want to talk about vaccines, we can do that too.
[35:00.240 --> 35:01.240]  Well, go ahead.
[35:01.240 --> 35:03.240]  What's your question about subpoena?
[35:03.240 --> 35:06.240]  Well, we have one in our hand here.
[35:06.240 --> 35:11.240]  Another completely different issue, but still from Hayes County.
[35:11.240 --> 35:22.240]  And this is, we had a little, my friend had a car or was involved in a car accident in February.
[35:22.240 --> 35:30.240]  And the gist of it was coming up by 35, of course, in Hayes County, because all of this happens in Hayes County,
[35:30.240 --> 35:38.240]  a truck in the left lane lost control, veered into the center lane and hit another car.
[35:38.240 --> 35:46.240]  That car went veering off the road and the truck continued and hit into the side of my friend and pushed her off of the road.
[35:46.240 --> 35:54.240]  So she had her vehicle totaled, the other people had their vehicle totaled, and she walked away,
[35:54.240 --> 35:56.240]  but there was an injury in the other car.
[35:56.240 --> 35:59.240]  The middle man got injured.
[35:59.240 --> 36:06.240]  So apparently all of this, from her point of view, is all over with and it's resolved.
[36:06.240 --> 36:14.240]  But apparently the guy in the middle car is suing the guy who caused all the wrecks.
[36:14.240 --> 36:19.240]  And so what we have in our hand right now is a deposition subpoena.
[36:19.240 --> 36:29.240]  And it basically says to appear before me, a certified shorthand reporter and notary public for the state of Texas,
[36:29.240 --> 36:38.240]  or before a certified shorthand reporter designated by me in the offices of, and it lists law offices in Buda,
[36:38.240 --> 36:49.240]  on the 5th of November at 2 p.m. to testify under oath to certain oral questions to be propounded in the instance of this case,
[36:49.240 --> 36:57.240]  blah, blah, blah, and to be recorded.
[36:57.240 --> 37:05.240]  And it further says, and there to remain from day to day and time to time until discharged according to law.
[37:05.240 --> 37:13.240]  And attached to this is a $10 check to cover the fee for a witness fee.
[37:13.240 --> 37:17.240]  Not to give them a $500 bill.
[37:17.240 --> 37:20.240]  Well, see, my take on this is kind of like you.
[37:20.240 --> 37:25.240]  On the back, it's got a place where the process server is supposed to sign.
[37:25.240 --> 37:33.240]  There's a place that says I accept the service of this subpoena by the witness under Rule 176.5.
[37:33.240 --> 37:36.240]  That's not signed. Nobody signed anything.
[37:36.240 --> 37:46.240]  And this was presented at the front door by a person who left their business card who says that they are a professional subpoena server.
[37:46.240 --> 37:50.240]  And so my question is this.
[37:50.240 --> 37:57.240]  I recognize, and I looked up in Black Flag Dictionary, this is a valid deposition subpoena, it looked like.
[37:57.240 --> 38:09.240]  It's got the cause attached, but the cause that's attached is a notice of intent to take oral deposition by videotaped recording.
[38:09.240 --> 38:10.240]  Well, guess what?
[38:10.240 --> 38:14.240]  We don't want to drive to Buda and get videotaped at their whim.
[38:14.240 --> 38:22.240]  And so my question is, is it all right to simply respond to this in writing
[38:22.240 --> 38:32.240]  and attach a copy of the traffic report that was turned in with all the specifics and say, this is my testimony.
[38:32.240 --> 38:36.240]  I gave it at the time or say nothing?
[38:36.240 --> 38:37.240]  No way.
[38:37.240 --> 38:39.240]  You want to respond, right?
[38:39.240 --> 38:49.240]  Yeah, well, the only response that you can give is Buda is nuns protunk.
[38:49.240 --> 38:52.240]  Buda is too inconvenient for me.
[38:52.240 --> 38:53.240]  OK.
[38:53.240 --> 39:00.240]  Since all of this occurred in Hays County and I live in San Marcos, the court is in San Marcos.
[39:00.240 --> 39:01.240]  Right.
[39:01.240 --> 39:08.240]  And the plaintiff is in Dallas and the other guy is in San Antonio.
[39:08.240 --> 39:23.240]  So if these guys are coming from either Dallas or San Antonio, Buda is just as convenient to them as San Marcos.
[39:23.240 --> 39:28.240]  Ask them to change the location to San Marcos and object to $10.
[39:28.240 --> 39:29.240]  It is insufficient.
[39:29.240 --> 39:33.240]  No, we're in Austin.
[39:33.240 --> 39:36.240]  This is not Sally.
[39:36.240 --> 39:37.240]  Oh, OK.
[39:37.240 --> 39:39.240]  This is completely someone else.
[39:39.240 --> 39:41.240]  OK.
[39:41.240 --> 39:45.240]  Ask them to hold it in Austin.
[39:45.240 --> 39:51.240]  You're reluctant to drive to San Marcos because the last time you did, you got in a wreck and you got cremated.
[39:51.240 --> 39:52.240]  That's right.
[39:52.240 --> 39:54.240]  We don't drive there anymore.
[39:54.240 --> 39:57.240]  You can ask them anything you want.
[39:57.240 --> 39:59.240]  You can raise an objection to this.
[39:59.240 --> 40:04.240]  You're not a litigant in this thing.
[40:04.240 --> 40:06.240]  This is a great inconvenience for you.
[40:06.240 --> 40:09.240]  But she has no testimony to give either.
[40:09.240 --> 40:11.240]  Yes, she does.
[40:11.240 --> 40:12.240]  OK.
[40:12.240 --> 40:13.240]  Here's the thing.
[40:13.240 --> 40:18.240]  She may not realize the testimony that she has.
[40:18.240 --> 40:27.240]  She doesn't know what the other person needs, and they don't know what she has actually seen.
[40:27.240 --> 40:34.240]  Witnesses are incredibly inconsistent.
[40:34.240 --> 40:38.240]  So in a deposition, they will ask her lots of questions.
[40:38.240 --> 40:47.240]  There may be important facts that's in her mind that she hasn't paid direct conscious attention to.
[40:47.240 --> 40:51.240]  And a good deposer, these are the things she looks for.
[40:51.240 --> 41:01.240]  And one of the things that we do have to do as good citizens is act as witnesses.
[41:01.240 --> 41:06.240]  It goes to Constitution, we have the right to subpoena witnesses.
[41:06.240 --> 41:07.240]  Right.
[41:07.240 --> 41:09.240]  And we have a duty to witness.
[41:09.240 --> 41:15.240]  So that she can't really object to, but what she can object to is the $10 is insufficient.
[41:15.240 --> 41:23.240]  That if they want her to come and testify, she'll be glad to, but she works.
[41:23.240 --> 41:26.240]  She makes X amount of money when she works.
[41:26.240 --> 41:33.240]  And having to take off from work will decrease her job position.
[41:33.240 --> 41:35.240]  I want this much.
[41:35.240 --> 41:38.240]  And can she object to the videotyping?
[41:38.240 --> 41:40.240]  That seems excessive to me.
[41:40.240 --> 41:41.240]  Absolutely.
[41:41.240 --> 41:42.240]  She can object to anything.
[41:42.240 --> 41:43.240]  OK.
[41:43.240 --> 41:48.240]  Just show a reason why she doesn't want to be videotaped.
[41:48.240 --> 41:51.240]  She can claim she's a very private person.
[41:51.240 --> 41:52.240]  And she is.
[41:52.240 --> 41:59.240]  If she objects to the videotape, if they want to depose her, they can hire a certified,
[41:59.240 --> 42:07.240]  that she wants her testimony to be taken by a court officer, not by a videotape that can be altered.
[42:07.240 --> 42:08.240]  OK.
[42:08.240 --> 42:10.240]  She can raise any objection she wants.
[42:10.240 --> 42:17.240]  But if she's subpoenaed and the judge says, you know, if she raises an objection, she can raise it with the court.
[42:17.240 --> 42:21.240]  That's where she would file her objection.
[42:21.240 --> 42:24.240]  And then the court will make a final decision.
[42:24.240 --> 42:30.240]  And if she doesn't abide by the court's decision, he can find her in contempt.
[42:30.240 --> 42:33.240]  Yeah, but this is not from the court.
[42:33.240 --> 42:41.240]  Subpoena is originally issued by the litigant, but it's enforced by the court.
[42:41.240 --> 42:42.240]  OK.
[42:42.240 --> 42:46.240]  If she fails to respond, then the court becomes involved.
[42:46.240 --> 42:48.240]  Yeah, we have no intention of not responding.
[42:48.240 --> 42:52.240]  We simply don't want to jump through their hoops when they jerk our chain.
[42:52.240 --> 42:59.240]  Yes, so send them back a letter that $10 is insufficient, that will cost you far more than that,
[42:59.240 --> 43:06.240]  and it's inappropriate that you should be subjected to this cost when you've already been harmed in this matter,
[43:06.240 --> 43:18.240]  that the location is inconvenient, that if they have to drive either from San Antonio or from Dallas,
[43:18.240 --> 43:25.240]  if they're coming from Dallas, Austin's closer, they're coming from San Antonio, the difference in the drive is minimal.
[43:25.240 --> 43:34.240]  And I expect that these people would only have to drive from Buta because this is a law office in Buta, that they're all in it together.
[43:34.240 --> 43:38.240]  It's inappropriate for you to make me come to you, you come to me.
[43:38.240 --> 43:39.240]  Right.
[43:39.240 --> 43:41.240]  We can use the local library.
[43:41.240 --> 43:43.240]  They have facilities.
[43:43.240 --> 43:44.240]  Oh, yeah.
[43:44.240 --> 43:45.240]  OK, listen, we're going to break.
[43:45.240 --> 43:47.240]  Kathy, do you need to hang on some more?
[43:47.240 --> 43:49.240]  No, thank you so much.
[43:49.240 --> 43:51.240]  Do we need to do this in writing?
[43:51.240 --> 43:53.240]  Yes, everything in writing.
[43:53.240 --> 43:54.240]  That's what I thought.
[43:54.240 --> 43:58.240]  OK, we're done, and I do agree with the vaccine.
[43:58.240 --> 44:00.240]  No making it.
[44:00.240 --> 44:05.240]  Hi, this is Norman Horn from the UT Austin Libertarian Longhorns,
[44:05.240 --> 44:11.240]  and I want to invite you to the Students for Liberty Texas Conference on October 24, 2009,
[44:11.240 --> 44:14.240]  located at the Thompson Conference Center on the UT campus.
[44:14.240 --> 44:20.240]  We have a great lineup of speakers coming to teach you about the fundamentals of a free society.
[44:20.240 --> 44:24.240]  Speakers include Vice President of the Cato Institute, Gene Healy as the keynote,
[44:24.240 --> 44:28.240]  renowned author and activist, Mary Brewer, and many more.
[44:28.240 --> 44:31.240]  To top it off, policy groups from all over Texas will be present
[44:31.240 --> 44:34.240]  for a roundtable discussion about local activism.
[44:34.240 --> 44:38.240]  Registration is just $10, plus an optional fee for lunch and dinner.
[44:38.240 --> 44:41.240]  For students, it's absolutely free.
[44:41.240 --> 44:47.240]  But registration is required, so go to our website at www.libertarianlonghorns.com
[44:47.240 --> 44:50.240]  for more information about how to sign up.
[44:50.240 --> 44:54.240]  That's www.libertarianlonghorns.com.
[44:54.240 --> 44:58.240]  Work peace and freedom and come to the Students for Liberty Texas Conference 2009.
[44:58.240 --> 45:00.240]  I'll see you there.
[45:00.240 --> 45:25.840]  MUSIC
[45:25.840 --> 45:42.280]  Okay, we are back.
[45:42.280 --> 45:45.560]  We're taking your calls, 512-646-1984.
[45:45.560 --> 45:52.400]  Okay, we already have one vote on my side, no forcing vaccinations, I mean, especially
[45:52.400 --> 45:55.200]  obviously because they cause damage.
[45:55.200 --> 45:59.360]  You know, it's not just a matter of, oh, oh, it's something, you know, like here, take
[45:59.360 --> 46:00.360]  the sugar pill.
[46:00.360 --> 46:07.920]  I mean, it's damaging, could cause death, all right, so it goes beyond just taking away
[46:07.920 --> 46:11.200]  your rights for freedom of travel or whatever.
[46:11.200 --> 46:14.200]  Okay, we're going to go to Gail in Minnesota.
[46:14.200 --> 46:16.160]  Gail, thanks for calling in.
[46:16.160 --> 46:17.160]  What's on your mind tonight?
[46:17.160 --> 46:18.160]  What's your question?
[46:18.160 --> 46:26.920]  Hey, I just wanted to throw this out about the vaccination.
[46:26.920 --> 46:31.440]  If they are going to say people have to take it, I mean, I'm in agreement, I don't think
[46:31.440 --> 46:37.120]  that we should be forced to give up any of our rights if nothing has been proven, because
[46:37.120 --> 46:42.920]  that is exactly how we lose all of our rights, how about on account of because maybe this
[46:42.920 --> 46:47.000]  could, you know, that's a bunch of hogwash just like you said, but if they're going to
[46:47.000 --> 46:53.720]  say that there has to be, like Randy said, what if it could be caused by someone of us
[46:53.720 --> 46:59.880]  that has refused to take it, then it is true that vaccinations are only, they'll say like,
[46:59.880 --> 47:05.560]  okay, the chicken pox vaccination is at best up to 87% effective.
[47:05.560 --> 47:11.600]  Well, it's, you know, that's at best and it could be anywhere from zero to 87% effective
[47:11.600 --> 47:12.600]  after you've taken it.
[47:12.600 --> 47:17.280]  Okay, so if they're saying those of us who choose not to take it are a threat, then we
[47:17.280 --> 47:22.880]  should be given the option of before quarantine, we should be given the option of choosing
[47:22.880 --> 47:29.960]  our own method of preparing for it, like nano silver, things like that that are natural
[47:29.960 --> 47:34.440]  that we would be willing to do that have been proven just as effective against the vaccine
[47:34.440 --> 47:39.800]  and probably more so, way more so than what they're peddling.
[47:39.800 --> 47:44.400]  That is an interesting proposal.
[47:44.400 --> 47:45.400]  Oh, yeah.
[47:45.400 --> 47:49.000]  I mean, it's not like you're just running around not taking care of yourself.
[47:49.000 --> 47:56.120]  I mean, it's kind of like the situation with the parents and the 16-year-old boy who they
[47:56.120 --> 48:02.400]  decided as a family that he was not going to undergo chemotherapy yet a third time since
[48:02.400 --> 48:07.960]  chemotherapy nearly killed him both times and they said, no, we're not going to do it
[48:07.960 --> 48:14.240]  again, we're going to go through a, it was actually a 150-year-old proven technique of
[48:14.240 --> 48:22.360]  curing Hodgkin's disease and the doctor called CPS and CPS ended up getting a court order
[48:22.360 --> 48:28.040]  to strap this young man down to force him through chemotherapy and they appealed and
[48:28.040 --> 48:29.920]  the parents ended up winning.
[48:29.920 --> 48:32.600]  Yeah, after a long battle.
[48:32.600 --> 48:36.240]  After a long battle and they lost custody of their child for a while and everything.
[48:36.240 --> 48:44.840]  I mean, it's like who are the courts to decide that we should, you know, engage in cure or
[48:44.840 --> 48:49.480]  prevention techniques that are one method or another?
[48:49.480 --> 48:55.120]  I mean, if we're taking nano silver that's just as effective as taking a vaccine then
[48:55.120 --> 48:58.600]  why are you going to tell me I have to take the vaccine because I'm doing what I need
[48:58.600 --> 49:01.720]  to do to prevent myself from getting infected.
[49:01.720 --> 49:03.840]  That's a real good point, Gail.
[49:03.840 --> 49:09.160]  Well, I mean, the reason I say that is I have not vaccinated my children nor would I. Now
[49:09.160 --> 49:15.960]  I will say that in specific isolated events, like my son got bit by a dog, which I did
[49:15.960 --> 49:21.880]  not know the dog, what I chose to do is I went in but instead of getting a rabies shot,
[49:21.880 --> 49:28.360]  I got the, I forget what it's called, it lasts only for 24 hours and most people don't know
[49:28.360 --> 49:29.360]  about it.
[49:29.360 --> 49:33.680]  You just get, I forget what it's called, but it's not the whole rabies shot.
[49:33.680 --> 49:38.920]  You get the part of the active virus that will only last 24 hours. So it'll cover him
[49:38.920 --> 49:43.440]  for that 24, it'll kick butt for 24 hours and that's it. It's not staying in the system
[49:43.440 --> 49:49.520]  for 10 years. This, you know, and me, but mainly I go to homeopathic things. My daughter
[49:49.520 --> 49:56.180]  contracted whooping cough when she was like two weeks less than a year old. I went to
[49:56.180 --> 50:02.040]  an MD who was also a homeopath. She did straight homeopathic prokessin and things like that
[50:02.040 --> 50:06.700]  for my daughter. My daughter went through it. She has never had a recurrence. She never
[50:06.700 --> 50:13.960]  had a problem. Homeopathic things work. The royal family uses homeopathics, has for hundreds
[50:13.960 --> 50:19.760]  of years. They could afford anything they want. The stuff works. So why are we not allowed
[50:19.760 --> 50:27.720]  to make our own choices with nanosilver homeopathics, whatever we choose? If we're forced to do
[50:27.720 --> 50:28.720]  anything at all.
[50:28.720 --> 50:33.800]  Yeah, I agree. I mean, it's just more evidence that shows that it's all about the big money
[50:33.800 --> 50:34.800]  scheme.
[50:34.800 --> 50:39.800]  That's right. So that's just what I wanted to throw out there for consideration.
[50:39.800 --> 50:41.800]  Yeah. Good point.
[50:41.800 --> 50:43.520]  Good point. Well put.
[50:43.520 --> 50:46.440]  Okay. Bless you guys. You're doing great. Love you.
[50:46.440 --> 50:49.760]  But they still shouldn't force to take nanosilver either if they don't want to.
[50:49.760 --> 50:50.760]  No.
[50:50.760 --> 50:51.760]  Even if they don't want to.
[50:51.760 --> 50:52.760]  Shouldn't be forced to take anything.
[50:52.760 --> 50:53.760]  Shouldn't be forced to take anything.
[50:53.760 --> 50:54.760]  No. No.
[50:54.760 --> 50:55.760]  No? Yeah.
[50:55.760 --> 51:06.920]  Yeah, we have to take care of ourselves. We had a woman next door and she was getting
[51:06.920 --> 51:16.800]  older and she ate pork every meal. And we went to her and we said, Ms. Dean, you've
[51:16.800 --> 51:19.400]  got to quit doing that. That stuff's going to kill you.
[51:19.400 --> 51:22.160]  No, she doesn't have to quit doing it.
[51:22.160 --> 51:24.600]  She didn't listen to us and it killed her.
[51:24.600 --> 51:26.640]  So that's her choice.
[51:26.640 --> 51:29.440]  It's 99.
[51:29.440 --> 51:37.240]  I have another suggestion. I think we should be allowed to force them to take a vaccine.
[51:37.240 --> 51:41.720]  But I would come with a little number on the side, a number four with a five close behind
[51:41.720 --> 51:47.440]  it. Kind of shaped flat on one end and pointed at the other and it comes out of the barrel
[51:47.440 --> 51:56.440]  of something. And they wouldn't spread any disease to us and then we'd be fine.
[51:56.440 --> 52:00.240]  You want to immunize them against lead poisoning?
[52:00.240 --> 52:01.240]  That's right.
[52:01.240 --> 52:10.840]  Well, you know, here's what Michael Badnerich says. You come with a syringe and I'll come
[52:10.840 --> 52:17.840]  with the 45 and we'll see who makes the bigger hole. It's about where it comes down to.
[52:17.840 --> 52:23.440]  There you go. Okay. Well, I won't tie you guys up but I appreciate everything you're
[52:23.440 --> 52:24.440]  doing.
[52:24.440 --> 52:25.440]  All right. Good comments, Gail.
[52:25.440 --> 52:27.440]  Okay. Bless your heart. Talk to you later.
[52:27.440 --> 52:28.440]  Okay.
[52:28.440 --> 52:29.440]  Bye-bye.
[52:29.440 --> 52:33.280]  All righty. Eight more callers if you'd like to call in and discuss this topic or any others
[52:33.280 --> 52:40.360]  that may be on your mind. 512-646-1984. Okay. So in the meantime, Randy, you have some material
[52:40.360 --> 52:42.800]  for us concerning the mortgage industry.
[52:42.800 --> 52:52.480]  Yes. I've been putting together a program to do forensic analysis on mortgages. And
[52:52.480 --> 52:59.960]  so far, I find them all a mess. But in doing the research, it got real interesting. It
[52:59.960 --> 53:09.120]  read like a mystery novel, how we came to this mess. There were, on the surface, it
[53:09.120 --> 53:16.320]  looks like a lot of divergent factors all coming together. But when you look a little
[53:16.320 --> 53:28.280]  more closely, they set us up. And it's clear in how this came about that they set us up.
[53:28.280 --> 53:37.040]  Prior to the mid-90s, or I guess prior to the 90s altogether, bankers were very closely
[53:37.040 --> 53:47.400]  regulated in how they were to write mortgages. And mortgages were relatively cheap compared
[53:47.400 --> 53:55.320]  to recent standards. Most of the mortgages I'm doing analysis on are about five to ten
[53:55.320 --> 54:03.960]  years old, and they're six, seven, eight percent interest. Before all of these changes, mortgages
[54:03.960 --> 54:14.680]  were four and five, three to five, five being a high side. And then legislative changes
[54:14.680 --> 54:23.680]  started occurring. I'm looking at a law report out of the Dedman School of Law. And he's
[54:23.680 --> 54:30.560]  saying legislation encourages subprime lending. I'm sorry, let me find it. There are four.
[54:30.560 --> 54:36.220]  The creation and growth of the subprime loans is attributed to the following four pieces
[54:36.220 --> 54:45.960]  of legislation, the Community Reinvestment Act of 1977, abbreviated CRA, the Deregulation
[54:45.960 --> 54:55.000]  and Monetary Control Act of 1980, the Alternative Mortgage Transaction Act of 1982, and the
[54:55.000 --> 55:05.120]  Tax Reform Act of 1986. All of these were supposedly for the purpose of making home
[55:05.120 --> 55:14.520]  loans available to the poor, to people who otherwise could not afford homes. And as you
[55:14.520 --> 55:23.880]  look at what really went on, because of what Greenspan did, they go in here to discuss
[55:23.880 --> 55:33.720]  what Greenspan was doing with the interest rates, manipulating the interest rates, and
[55:33.720 --> 55:42.280]  a few other factors, it was clear that they were very deliberately loosing the bankers
[55:42.280 --> 55:50.360]  on us. They essentially took away all of the controls that the bankers were held under
[55:50.360 --> 55:58.760]  prior to this time. And they let the bankers make any kind of loan to anyone. And what
[55:58.760 --> 56:06.240]  turned out happening was, if you were, say, in your 50s, you've been in a house for a
[56:06.240 --> 56:10.760]  long time, you have it near paid off and you want to upgrade. Yeah, you're doing pretty
[56:10.760 --> 56:16.800]  well, you're getting most of your bills caught up, you're getting a pretty good investment.
[56:16.800 --> 56:23.000]  You want to move on up, like the song, moving on up. You want to move up to the big time.
[56:23.000 --> 56:29.560]  You want to sell this house and get a nicer one. So you use this house as equity, sell
[56:29.560 --> 56:34.320]  this house and take the money from it, and you put it down on a new house. And that gives
[56:34.320 --> 56:42.800]  you a relatively minor mortgage on a new and nicer house. Well, the banker, he's going
[56:42.800 --> 56:51.680]  to get a quarter of the entire cost of the house as a mortgage. And because you have
[56:51.680 --> 56:58.840]  so much down, and because you have great credit, his interest rate is going to be low, so that's
[56:58.840 --> 57:07.940]  going to lower what he makes even more. So in the 80s, Clinton and some of these others,
[57:07.940 --> 57:15.620]  they started turning the loose of the reins and allowing them under the guise of helping
[57:15.620 --> 57:23.800]  the poor to get houses they otherwise couldn't afford. It turned out that what they did was
[57:23.800 --> 57:33.860]  help the poor get houses they absolutely could not afford. So instead of the poor gaining
[57:33.860 --> 57:42.040]  equity in their lives at a slow and steady pace, they made sure they gained no equity
[57:42.040 --> 57:48.400]  whatsoever. They bought these houses they could not afford because the bankers were
[57:48.400 --> 57:57.800]  allowed to convince them to enter into mortgage deals that were knowingly outside the range
[57:57.800 --> 57:59.320]  of their ability to pay.
[57:59.320 --> 58:07.200]  And also now it's coming out that these rogue groups like Acorn ended up making the housing
[58:07.200 --> 58:14.040]  mortgage bubble a lot worse than it would have been because of their terroristic activities
[58:14.040 --> 58:21.720]  and threats and harassment and blackmail to even force the banks into giving loans to
[58:21.720 --> 58:29.440]  people that they shouldn't have given loans to. Banks didn't need any blackmail. Oh, but
[58:29.440 --> 58:34.520]  they were blackmailed. I mean, you should, they talked about this on Gary Johnson's show
[58:34.520 --> 58:39.240]  the other night. It was incredible. They even blackmailed and harassed the banks into giving
[58:39.240 --> 58:49.320]  out loans that they weren't wanting to give out on top of everything else. Amazing. Alright,
[58:49.320 --> 58:53.880]  we're going to hear more about this on the other side. This is good stuff, Randy. College,
[58:53.880 --> 58:57.480]  if you'd like to call in 512-646-1984.
[58:57.480 --> 59:07.280]  Activism, education, celebration. Looking for something to do this October? Be part
[59:07.280 --> 59:11.920]  of the largest freedom festival on either side of the Mississippi. The Midwest Liberty
[59:11.920 --> 59:20.320]  Fest. Come to DeCoin, Illinois, this October 9th, 10th, and 11th. The festival includes
[59:20.320 --> 59:25.120]  speakers, activist training, workshops, music, and great vendors. Bring a friend and tell
[59:25.120 --> 59:30.120]  them to bring a friend. This festival is for everyone who loves freedom of all ages. Don't
[59:30.120 --> 59:36.120]  miss the Midwest Liberty Festival at the State Fairgrounds in DeCoin, Illinois, October 9th,
[59:36.120 --> 59:47.120]  10th, and 11th. Visit the website at www.MidwestLibertyFest.com for all the details. That's www.MidwestLibertyFest.com.
[59:47.120 --> 59:52.120]  Don't let the fall breeze get you down. Come join the fun. Tickets are going fast, so don't
[59:52.120 --> 01:00:01.120]  miss out on the Midwest Liberty Fest. The best Oktoberfest this year. That's www.MidwestLibertyFest.com.
[01:00:01.120 --> 01:00:10.120]  E-coli does more than make people sick. It also cleans up nuclear waste. Researchers
[01:00:10.120 --> 01:00:16.120]  at Birmingham University in England found E-coli bacteria effectively breaks down phytic
[01:00:16.120 --> 01:00:22.120]  acid, a phosphate storage material found in seeds, and releases the phosphate molecules,
[01:00:22.120 --> 01:00:28.120]  which bind to uranium to create a uranium phosphate precipitate. The precipitate can
[01:00:28.120 --> 01:00:35.120]  be harvested to recover uranium, and the result is no more nuclear waste. The U.S. Embassy
[01:00:35.120 --> 01:00:41.120]  in Islamabad says Osama bin Laden is present in Pakistan, and the command system of the
[01:00:41.120 --> 01:00:49.120]  Taliban is based in Qatar. A new Associated Press poll shows 38% of U.S. parents don't
[01:00:49.120 --> 01:00:54.120]  want their kids vaccinated against swine flu. Some parents say they are concerned about
[01:00:54.120 --> 01:00:59.120]  side effects from the new vaccine, while others say swine flu is no more a health threat
[01:00:59.120 --> 01:01:08.120]  than seasonal flu. A former Pakistani spy chief says America's ulterior motives for
[01:01:08.120 --> 01:01:14.120]  invading Afghanistan were not to disperse al-Qaeda and get Osama bin Laden. Former
[01:01:14.120 --> 01:01:20.120]  Inter-Services Intelligence Chief Lieutenant General Hamid Gul told Foreign Policy Journal
[01:01:20.120 --> 01:01:25.120]  in a recent interview, the reasons for the attack on Afghanistan were quite different.
[01:01:25.120 --> 01:01:30.120]  First, the U.S. wanted to reach out to the Central Asian oil fields. Gul said this was
[01:01:30.120 --> 01:01:36.120]  a requirement of corporate America because the Taliban had not complied with their desire
[01:01:36.120 --> 01:01:42.120]  to allow an oil and gas pipeline to pass through Afghanistan. Second, the war was to undo the
[01:01:42.120 --> 01:01:49.120]  Taliban regime because they had enforced Islamic law, which would mean an alternative
[01:01:49.120 --> 01:01:55.120]  socio-monetary system and that the U.S. would never approve. Third, was to go for Pakistan's
[01:01:55.120 --> 01:02:02.120]  nuclear capability. Gul also said 9-11 was an inside job and that the 9-11 commission
[01:02:02.120 --> 01:02:11.120]  made fools of the American people. Israel's ambassador to the U.S., Michael Oran, writing
[01:02:11.120 --> 01:02:17.120]  in the New Republic, says the Goldstone report on the Gaza war portrays the Jews as the
[01:02:17.120 --> 01:02:23.120]  deliberate murders of innocents as Nazis. The Huffington Post editorializes, this is
[01:02:23.120 --> 01:02:28.120]  crazy stuff, especially because it comes not from some right-wing crank, but from Israel's
[01:02:28.120 --> 01:02:35.120]  highest-ranking diplomat. The Post writes, reading Oran, one would never know that 1387
[01:02:35.120 --> 01:02:42.120]  Palestinians, including 320 children, were killed compared to nine Israeli soldiers.
[01:02:42.120 --> 01:02:47.120]  The editorial goes on, nowhere does he discuss the testimony of the Israeli soldiers who
[01:02:47.120 --> 01:02:53.120]  have told Goldstone, as well as Israeli groups investigating the conduct of the war, that
[01:02:53.120 --> 01:03:13.120]  the Israeli army repeatedly made no distinction between competence and innocence.
[01:03:23.120 --> 01:03:29.120]  They want to chop down Babylon, and burn down the whole nation, but they don't operate
[01:03:29.120 --> 01:03:34.120]  like rats. I'm a friend of the Republicans and the Ospreys, man. Tell them I'm in the
[01:03:34.120 --> 01:04:00.120]  military! Tell them nobody's longer in fighting, they're going to chop down Babylon if they
[01:04:00.120 --> 01:04:02.000]  Word to the temple
[01:04:02.000 --> 01:04:05.880]  And one of them when me chant them me
[01:04:05.880 --> 01:04:09.560]  Say all man was created equally
[01:04:09.560 --> 01:04:13.080]  Chant down Babylon and do me daily
[01:04:13.080 --> 01:04:16.480]  When night come drift everybody
[01:04:16.480 --> 01:04:20.000]  So one by one me have to chant them one
[01:04:20.000 --> 01:04:23.640]  Me chant down Babylon because Babylon is wrong
[01:04:23.640 --> 01:04:27.120]  The only right man me say is the rest man
[01:04:27.120 --> 01:04:30.600]  We take me say Lord man before we on the run
[01:04:30.600 --> 01:04:34.120]  To chant down Babylon now not later
[01:04:34.120 --> 01:04:37.720]  To let Babylon know say we getting greater
[01:04:37.720 --> 01:04:41.200]  We bite it down key me say to tell a lie
[01:04:41.200 --> 01:04:44.520]  Say Jesus Christ shall rescue me
[01:04:44.520 --> 01:04:47.400]  And I chant down Babylon
[01:04:47.400 --> 01:04:49.160]  Alright chant down Babylon
[01:04:49.160 --> 01:04:50.680]  Chant down the banksters
[01:04:50.680 --> 01:04:52.920]  I call them the banksters
[01:04:52.920 --> 01:04:55.080]  Okay so Randy
[01:04:55.080 --> 01:04:56.600]  You had a great point on the break
[01:04:56.600 --> 01:04:59.200]  You said where was Acorn when
[01:04:59.200 --> 01:05:02.960]  Okay here's what happened
[01:05:02.960 --> 01:05:09.120]  The government effectively unleashed the banksters on us
[01:05:09.120 --> 01:05:16.160]  And allowed them to come out here under the guise of their licensing
[01:05:16.160 --> 01:05:21.760]  And being a highly regulated financial business
[01:05:21.760 --> 01:05:26.200]  And the high amount of regulation has the effect
[01:05:26.200 --> 01:05:31.840]  Of giving the individual reason to trust these guys
[01:05:31.840 --> 01:05:34.720]  In what they tell them
[01:05:34.720 --> 01:05:36.840]  Because what they're doing
[01:05:36.840 --> 01:05:41.080]  This is very sophisticated financial dealings
[01:05:41.080 --> 01:05:45.600]  And the ordinary individual has no real knowledge of what's going on
[01:05:45.600 --> 01:05:48.960]  And that's why the banks were so highly regulated
[01:05:48.960 --> 01:05:52.360]  To keep them from taking unfair advantage
[01:05:52.360 --> 01:05:58.680]  Of individuals who were not financial professionals
[01:05:58.680 --> 01:06:01.600]  Well what the individuals didn't realize
[01:06:01.600 --> 01:06:04.160]  Is that during the 80s
[01:06:04.160 --> 01:06:09.120]  All of these restrictions were taken away
[01:06:09.120 --> 01:06:11.800]  So they kind of unleashed the bankers on us
[01:06:11.800 --> 01:06:16.000]  But there was one restriction that held them back primarily
[01:06:16.000 --> 01:06:18.840]  And that was that the bank
[01:06:18.840 --> 01:06:26.280]  Had to, could only loan out based on its reserves
[01:06:26.280 --> 01:06:30.920]  And so they were rather restricted
[01:06:30.920 --> 01:06:37.040]  What happened in the 90s is securitization of notes
[01:06:37.040 --> 01:06:38.920]  What securitization is
[01:06:38.920 --> 01:06:42.440]  Is the pooling together of these notes
[01:06:42.440 --> 01:06:45.680]  And selling them to an investor
[01:06:45.680 --> 01:06:51.400]  So the bank who issues the note no longer carries the note
[01:06:51.400 --> 01:06:55.640]  So I've explained this before but I'll go through it quickly
[01:06:55.640 --> 01:06:59.320]  Paul was on and he was in that industry for a long time
[01:06:59.320 --> 01:07:01.720]  And this is how he explained what went on
[01:07:01.720 --> 01:07:06.840]  He worked for a company that wrote mortgages, wrote mortgage loans
[01:07:06.840 --> 01:07:11.480]  And what they would do is get a $50 million loan from Wells Fargo
[01:07:11.480 --> 01:07:17.960]  Then they would convert that loan into 20 and 30 year mortgages
[01:07:17.960 --> 01:07:22.960]  Problem was they had to repay that loan in six months
[01:07:22.960 --> 01:07:28.880]  So when they wrote these mortgages they had no intention of keeping them
[01:07:28.880 --> 01:07:32.440]  They'd write all these mortgages, bundle them all up
[01:07:32.440 --> 01:07:37.280]  And sell them to an investment group
[01:07:37.280 --> 01:07:39.280]  There are a lot of them out there
[01:07:39.280 --> 01:07:43.200]  These retirement funds and such, they've sold them all over the world
[01:07:43.200 --> 01:07:46.440]  And what they do is they go to the fund and they say, hey look here
[01:07:46.440 --> 01:07:48.200]  I got this note
[01:07:48.200 --> 01:07:52.120]  This guy wanted to buy a house and this other guy wanted to sell a house
[01:07:52.120 --> 01:07:56.760]  So I got this loan and it cost me 100 grand to buy the house
[01:07:56.760 --> 01:08:02.160]  And I conveyed it to the buyer for this 30 year note
[01:08:02.160 --> 01:08:07.000]  Now the note over the period of its term
[01:08:07.000 --> 01:08:11.720]  It cost 100 grand, it'll produce 220 grand
[01:08:11.720 --> 01:08:15.200]  So that gives us the 120 grand profit to work with
[01:08:15.200 --> 01:08:19.800]  I'll sell it to you for 70
[01:08:19.800 --> 01:08:25.720]  So and then I'll act as the servicer and collect the money and give it to you
[01:08:25.720 --> 01:08:28.240]  And that's essentially what they did
[01:08:28.240 --> 01:08:30.680]  Except they didn't sell just one note
[01:08:30.680 --> 01:08:33.800]  They sold a whole package of notes
[01:08:33.800 --> 01:08:37.880]  And in this way, they got their money
[01:08:37.880 --> 01:08:42.400]  They could get in, get out and go on to the next one
[01:08:42.400 --> 01:08:50.000]  And if they were writing prime loans to people who could be fairly certain
[01:08:50.000 --> 01:08:53.320]  That they would be able to pay these off
[01:08:53.320 --> 01:08:55.600]  Their profit margin would be much lower
[01:08:55.600 --> 01:08:58.360]  For one thing, the interest rate they could charge wouldn't be as high
[01:08:58.360 --> 01:09:01.440]  Because the risk is not so great
[01:09:01.440 --> 01:09:05.680]  And the person is not financing near so much
[01:09:05.680 --> 01:09:10.040]  Because they generally have a lot higher down payment
[01:09:10.040 --> 01:09:12.840]  Well, once the government turned these guys loose
[01:09:12.840 --> 01:09:19.840]  Under the guise of helping the poor, downtrodden and depressed
[01:09:19.840 --> 01:09:23.760]  Help these poor people get into their own homes
[01:09:23.760 --> 01:09:26.320]  Isn't that a noble sentiment?
[01:09:26.320 --> 01:09:31.880]  But over hundreds of years, we've developed procedures
[01:09:31.880 --> 01:09:38.240]  That predict who can pay for a loan and who cannot
[01:09:38.240 --> 01:09:46.280]  And these procedures were essentially structured in statutory requirements
[01:09:46.280 --> 01:09:51.360]  Where they required the banks to adhere to certain standards
[01:09:51.360 --> 01:09:55.960]  That defined who could pay for the loan and who could not
[01:09:55.960 --> 01:09:59.800]  Well, in the 80s, they just threw all that out the window
[01:09:59.800 --> 01:10:02.640]  Under the guise of helping the poor
[01:10:02.640 --> 01:10:09.600]  And on the surface, it sounds like a great and laudable goal
[01:10:09.600 --> 01:10:15.800]  The problem is, instead of helping the poor
[01:10:15.800 --> 01:10:21.000]  Increase their level of wealth by buying their own home
[01:10:21.000 --> 01:10:26.080]  What they did was help the poor get into a loan arrangement
[01:10:26.080 --> 01:10:34.320]  To where they would struggle and pour every penny they could produce into this mortgage
[01:10:34.320 --> 01:10:41.960]  And the mortgage company pretty well knew that they would not be able to pay for it
[01:10:41.960 --> 01:10:47.520]  So they would pour everything they had for several years into this house trying to save it
[01:10:47.520 --> 01:10:52.280]  And then they would lose everything
[01:10:52.280 --> 01:10:55.320]  Now you'd think that the banksters wouldn't want to lose this
[01:10:55.320 --> 01:11:00.560]  Well, and that was my comment on the banks
[01:11:00.560 --> 01:11:09.440]  When Acorn was doing these sit-ins and demonstrations to force banks to write even more risky loans
[01:11:09.440 --> 01:11:15.960]  Where was Acorn when these people were paying every dime they could scrape together in
[01:11:15.960 --> 01:11:17.840]  In order to keep this house
[01:11:17.840 --> 01:11:20.800]  Where was Acorn when they were losing their house?
[01:11:20.800 --> 01:11:27.280]  Yeah, did Acorn come along and want to give them housing?
[01:11:27.280 --> 01:11:37.160]  No, all Acorn does is just help get people into these risky loans that they can't afford
[01:11:37.160 --> 01:11:43.240]  So that they can help bundle them up and make a bundle off of them themselves
[01:11:43.240 --> 01:11:49.560]  So they just turned the poor into worse slaves than they were before
[01:11:49.560 --> 01:11:53.640]  Worse than that, they gave them false hope
[01:11:53.640 --> 01:12:00.440]  And in the paperwork here I'm looking at, it was worse than that
[01:12:00.440 --> 01:12:07.720]  They took people who could absolutely afford a $200,000 home easily
[01:12:07.720 --> 01:12:13.480]  And pushed them into a $500,000 home which they could not afford
[01:12:13.480 --> 01:12:18.800]  And then they wound up losing the home they had before, all of their investment, everything
[01:12:18.800 --> 01:12:26.680]  So they're fleecing the public for their entire life savings
[01:12:26.680 --> 01:12:29.920]  And the banker gets his money right on the front
[01:12:29.920 --> 01:12:34.800]  The guy who does this, the guys who write the loan
[01:12:34.800 --> 01:12:38.640]  They win no matter what
[01:12:38.640 --> 01:12:43.080]  They write the loan, they sell the note, they get their money
[01:12:43.080 --> 01:12:46.080]  Well, they put the notes in a pool
[01:12:46.080 --> 01:12:52.120]  Most of the real estate notes that are written are written to people who are able to pay
[01:12:52.120 --> 01:12:56.320]  We've got a vast majority of the people out here
[01:12:56.320 --> 01:13:01.040]  Have bought a small home and then upgraded to a larger and then upgraded to a larger
[01:13:01.040 --> 01:13:06.160]  And by doing that they keep their payments relatively low
[01:13:06.160 --> 01:13:11.080]  Because they trade in their equity and upgrade
[01:13:11.080 --> 01:13:16.440]  So the guys writing the loans, the majority of them are good loans
[01:13:16.440 --> 01:13:18.560]  And they pool them into a pool
[01:13:18.560 --> 01:13:25.560]  Well, there is an expectation of a certain level of failure
[01:13:25.560 --> 01:13:28.500]  Goes to a statistical mean
[01:13:28.500 --> 01:13:31.760]  So when the banksters put together a pool
[01:13:31.760 --> 01:13:39.280]  They pretty well know how many will naturally fail just from disease or unexpected catastrophe
[01:13:39.280 --> 01:13:42.600]  in a person's life
[01:13:42.600 --> 01:13:46.320]  And when they get a pool that's a little above the average
[01:13:46.320 --> 01:13:51.440]  Then they can afford to go out and write garbage loans
[01:13:51.440 --> 01:13:55.520]  And take those garbage loans and seed them into the pool
[01:13:55.520 --> 01:13:59.360]  And that way adjust the failure rate to the statistical mean
[01:13:59.360 --> 01:14:03.040]  They can always stay at the statistical mean
[01:14:03.040 --> 01:14:06.400]  But as long as they don't go over the investor
[01:14:06.400 --> 01:14:10.480]  He expects this amount of loss
[01:14:10.480 --> 01:14:11.600]  Because it's average
[01:14:11.600 --> 01:14:15.800]  And so the banksters can adjust and keep that average there
[01:14:15.800 --> 01:14:18.000]  And gradually raise the average
[01:14:18.000 --> 01:14:22.460]  So that the expectation of a statistical mean rises
[01:14:22.460 --> 01:14:26.680]  And their profits rise dramatically
[01:14:26.680 --> 01:14:31.200]  Because these are the very loans they make the most money on
[01:14:31.200 --> 01:14:34.320]  And when the loan fails
[01:14:34.320 --> 01:14:36.800]  These guys are the servicer of the note
[01:14:36.800 --> 01:14:39.600]  They make money on the foreclosure
[01:14:39.600 --> 01:14:41.720]  They've already got their money from the loan
[01:14:41.720 --> 01:14:44.600]  Because they got paid off from the investor
[01:14:44.600 --> 01:14:47.680]  The investor buys the note from them
[01:14:47.680 --> 01:14:52.400]  They take a portion of it and give it to Wells Fargo and pay them off their note
[01:14:52.400 --> 01:14:57.000]  And they got $60,000, $70,000 left
[01:14:57.000 --> 01:15:01.000]  And now they start servicing the note
[01:15:01.000 --> 01:15:03.920]  And they get paid for that
[01:15:03.920 --> 01:15:08.680]  Now you'd think they would get paid by the investor
[01:15:08.680 --> 01:15:12.020]  Because they're collecting money for the investor
[01:15:12.020 --> 01:15:14.920]  Turns out they're not
[01:15:14.920 --> 01:15:19.140]  Turns out you're paying them
[01:15:19.140 --> 01:15:23.200]  In all the notes I've looked at so far, they quote an interest rate
[01:15:23.200 --> 01:15:26.600]  They guarantee an interest rate
[01:15:26.600 --> 01:15:29.880]  But then when they bill you
[01:15:29.880 --> 01:15:34.600]  They bill you for more than the annual percentage rate that's guaranteed
[01:15:34.600 --> 01:15:44.400]  And the way they do this is they add in the cost of servicing the note
[01:15:44.400 --> 01:15:49.680]  That's percentage points on top of the note
[01:15:49.680 --> 01:15:53.280]  Now I'm looking at the notes and there's no provision for that
[01:15:53.280 --> 01:15:57.160]  That I could find in the note itself
[01:15:57.160 --> 01:16:00.320]  This is just industry practice
[01:16:00.320 --> 01:16:03.880]  Well it's fraud
[01:16:03.880 --> 01:16:06.240]  I looked at a note that I was working on today
[01:16:06.240 --> 01:16:13.960]  $115,974
[01:16:13.960 --> 01:16:15.480]  That's 6% interest
[01:16:15.480 --> 01:16:18.960]  Was what the note said
[01:16:18.960 --> 01:16:23.280]  But the payments they set up
[01:16:23.280 --> 01:16:30.000]  Created an interest rate of 6.512
[01:16:30.000 --> 01:16:34.080]  So I put together a spreadsheet
[01:16:34.080 --> 01:16:35.400]  And I'll explain how that works
[01:16:35.400 --> 01:16:40.000]  That shows how much extra a person will pay
[01:16:40.000 --> 01:16:42.720]  On a half a percent extra in interest
[01:16:42.720 --> 01:16:45.000]  Oh boy
[01:16:45.000 --> 01:16:47.200]  Okay
[01:16:47.200 --> 01:16:50.240]  I can bet already I know about what it's going to be
[01:16:50.240 --> 01:16:52.760]  According to this amortization schedule
[01:16:52.760 --> 01:16:53.880]  All right, we'll be right back
[01:16:53.880 --> 01:17:00.560]  Callers if you'd like to call in 512-646-1984
[01:17:00.560 --> 01:17:04.280]  You feel tired when talking about important topics like money and politics?
[01:17:04.280 --> 01:17:04.680]  Sorry!
[01:17:04.680 --> 01:17:07.920]  Are you confused by words like the Constitution or the Federal Reserve?
[01:17:07.920 --> 01:17:08.400]  What?
[01:17:08.400 --> 01:17:11.920]  If so, you may be diagnosed with the deadliest disease known today
[01:17:11.920 --> 01:17:13.240]  Stupidity
[01:17:13.240 --> 01:17:15.040]  Hi, my name is Steve Holt
[01:17:15.040 --> 01:17:16.720]  And like millions of other Americans
[01:17:16.720 --> 01:17:19.560]  I was diagnosed with stupidity at an early age
[01:17:19.560 --> 01:17:22.280]  I had no idea that the number one cause of the disease
[01:17:22.280 --> 01:17:24.520]  Is found in almost every home in America
[01:17:24.520 --> 01:17:25.520]  The television
[01:17:25.520 --> 01:17:29.280]  Unfortunately, that puts most Americans at risk of catching stupidity
[01:17:29.280 --> 01:17:30.600]  But there is hope
[01:17:30.600 --> 01:17:34.080]  The staff at Brave New Books have helped me and thousands of other foxaholics
[01:17:34.080 --> 01:17:36.600]  Suffering from sports zombieism recover
[01:17:36.600 --> 01:17:39.200]  And because of Brave New Books, I now enjoy reading
[01:17:39.200 --> 01:17:43.480]  And watching educational documentaries without feeling tired or uninterested
[01:17:43.480 --> 01:17:46.640]  So if you or anybody you know suffers from stupidity
[01:17:46.640 --> 01:17:50.880]  Then you need to call 512-480-2503
[01:17:50.880 --> 01:17:55.040]  Or visit them at 1904Guadalupe or bravenewbookstore.com
[01:17:55.040 --> 01:17:57.040]  Side effects from using Brave New Books products may include
[01:17:57.040 --> 01:17:58.480]  Discernment and enlarged vocabulary
[01:17:58.480 --> 01:18:00.960]  And an overall increase in mental functioning
[01:18:00.960 --> 01:18:22.440]  All right, well, don't bore us
[01:18:22.440 --> 01:18:25.640]  These same old tricks they've been pulling for years and years and years
[01:18:25.640 --> 01:18:27.120]  We're not falling for them anymore
[01:18:27.120 --> 01:18:31.800]  So, Randy, give us a scoop of how much extra
[01:18:31.800 --> 01:18:36.120]  I'm almost sitting here doing some figuring on the break
[01:18:36.120 --> 01:18:39.040]  And you're going to be short
[01:18:39.040 --> 01:18:46.440]  Okay, I have $115,684
[01:18:46.440 --> 01:18:49.680]  The guaranteed interest rate
[01:18:49.680 --> 01:18:56.800]  And the interest rate stated on the note is 6%
[01:18:56.800 --> 01:19:02.960]  What they actually charged was $6.512
[01:19:02.960 --> 01:19:07.760]  So I ran an amortization at $6.512
[01:19:07.760 --> 01:19:16.640]  At $6.512, that's what gave me the payment that they required
[01:19:16.640 --> 01:19:27.400]  And the average payment at $6.512 is $721.29 a month
[01:19:27.400 --> 01:19:32.160]  The payment at 6% was $683
[01:19:32.160 --> 01:19:39.480]  So I took the $683 and subtracted it from the $721
[01:19:39.480 --> 01:19:46.000]  And that gave an overpayment of $37.96 a month
[01:19:46.000 --> 01:19:55.560]  And on the front end of the note, they had stated that they were financing $113,000
[01:19:55.560 --> 01:20:02.160]  So I subtracted what they stated they were financing from what they actually financed
[01:20:02.160 --> 01:20:04.440]  And that came up $1,700 difference
[01:20:04.440 --> 01:20:11.040]  So on the first payment, I subtracted the $1,700 from the back of the note, from the
[01:20:11.040 --> 01:20:12.480]  principal
[01:20:12.480 --> 01:20:25.360]  And I subtracted the standard principal payment, which was $199
[01:20:25.360 --> 01:20:29.120]  And then I added $37 from it
[01:20:29.120 --> 01:20:38.120]  So in every payment, I treated it as if it should have been $683
[01:20:38.120 --> 01:20:43.200]  And I subtracted the overpayment from the principal and ran the mortgage that way
[01:20:43.200 --> 01:20:48.000]  Just like you're paying $37 extra a month
[01:20:48.000 --> 01:21:01.800]  Over the 30 years note, a $115,000 note, you would have overpaid $44,943
[01:21:01.800 --> 01:21:12.360]  Almost a little over a third extra for half a percentage point
[01:21:12.360 --> 01:21:19.000]  That's some pretty serious fraud, no matter how you slice it up
[01:21:19.000 --> 01:21:24.640]  Now, Randy, on this case, I mean, did the original notes say they were only going to
[01:21:24.640 --> 01:21:30.560]  be paid 6% but then they just ended up charging them 6.5% on the sly?
[01:21:30.560 --> 01:21:33.240]  Yep, this is what they claim
[01:21:33.240 --> 01:21:43.200]  Is they're adding in the servicing costs as a percentage because the servicing costs continue
[01:21:43.200 --> 01:21:47.760]  But is that clear in the terms of agreement?
[01:21:47.760 --> 01:21:48.760]  No
[01:21:48.760 --> 01:21:50.120]  Oh, boy
[01:21:50.120 --> 01:21:59.160]  I have to dig more closely, but even if it's in there, it's not made obvious
[01:21:59.160 --> 01:22:03.200]  And I have yet to talk to anyone who understood that it was in there
[01:22:03.200 --> 01:22:11.280]  I tell them, okay, this says, you know, the other one I looked at, it was 7.6 and they
[01:22:11.280 --> 01:22:12.280]  were actually charging 8.6
[01:22:12.280 --> 01:22:13.280]  And I said, how did this happen?
[01:22:13.280 --> 01:22:14.280]  They said, well, I don't know, we're supposed to be 7.6
[01:22:14.280 --> 01:22:15.280]  Well, this says 8.6, how do you get 8.6?
[01:22:15.280 --> 01:22:16.280]  They have no idea
[01:22:16.280 --> 01:22:27.520]  So that means that the mortgage company did not give proper notice
[01:22:27.520 --> 01:22:32.000]  They're just taking a little extra off the top for good measure
[01:22:32.000 --> 01:22:38.520]  Not just a little extra, that is a lot extra
[01:22:38.520 --> 01:22:50.620]  Beyond the fact that they take a guy who can afford a $70,000 house dead on prime
[01:22:50.620 --> 01:22:53.680]  And they say, well, look at this, look at this, look at this, prices are going up like
[01:22:53.680 --> 01:22:55.280]  crazy
[01:22:55.280 --> 01:22:59.360]  You can afford a $115,000 home
[01:22:59.360 --> 01:23:08.600]  Because in a couple of years, the property values are wise so much that you'll be in
[01:23:08.600 --> 01:23:09.600]  real good shape
[01:23:09.600 --> 01:23:10.600]  You'll have lots of equity in this home
[01:23:10.600 --> 01:23:19.320]  Well, they're pushing people into subprime loans
[01:23:19.320 --> 01:23:26.600]  If this person had bought a $70,000 house, that'd been a piece of cake
[01:23:26.600 --> 01:23:30.400]  And they would have been in such good shape
[01:23:30.400 --> 01:23:36.360]  They didn't have down payment, but they had like five grand a month income
[01:23:36.360 --> 01:23:41.680]  So paying off a $70,000 note would have been chump change
[01:23:41.680 --> 01:23:47.400]  So they would have been, had real good credit
[01:23:47.400 --> 01:23:55.040]  They would have been eligible for prime rate, low risk
[01:23:55.040 --> 01:24:01.400]  But instead, the banksters pushed them into a higher note saying, oh yeah, you can afford
[01:24:01.400 --> 01:24:04.600]  this because the values are going to go up, no problem
[01:24:04.600 --> 01:24:12.040]  Yeah, it's a little risky right now, it just looks that way, but the values are going to
[01:24:12.040 --> 01:24:13.040]  go up
[01:24:13.040 --> 01:24:14.040]  The interest is going to drop
[01:24:14.040 --> 01:24:19.880]  You can refinance this thing later and drop your interest rate down, blah, blah, blah
[01:24:19.880 --> 01:24:26.680]  And convince them to take a note they should not have had in the first place
[01:24:26.680 --> 01:24:31.200]  And they make all their money on the front end, they're out
[01:24:31.200 --> 01:24:36.200]  When the note fails, they make extra money because they're servicing the note
[01:24:36.200 --> 01:24:47.000]  They make the extra money on all the late fees and on the foreclosure procedures
[01:24:47.000 --> 01:24:51.400]  The ones who lose, the buyer and the investor
[01:24:51.400 --> 01:24:57.000]  The investor who bought the securitized note in the investment pool
[01:24:57.000 --> 01:25:05.120]  But, you know, one or two, three or four, half a dozen notes will disappear in the investment
[01:25:05.120 --> 01:25:08.320]  pool and fall within the range of statistical mean
[01:25:08.320 --> 01:25:13.160]  And the investor doesn't really notice that he's being ripped off
[01:25:13.160 --> 01:25:18.440]  So these guys are stealing from both sides, they win no matter what
[01:25:18.440 --> 01:25:21.640]  Yeah, but whoever loses their house, you better believe they notice
[01:25:21.640 --> 01:25:30.320]  Right, but they're broke and they don't have the money or the wherewithal to fight
[01:25:30.320 --> 01:25:36.000]  You know, they're too busy struggling trying to find a place to live and feed the kids
[01:25:36.000 --> 01:25:41.040]  And the investor, he doesn't understand what's going on
[01:25:41.040 --> 01:25:45.360]  So this is what we're doing with this forensic analysis
[01:25:45.360 --> 01:25:49.660]  One of the things I'm doing is looking at the actual value of the home
[01:25:49.660 --> 01:25:57.640]  And I'm getting people in place to come in and do a forensic appraisal
[01:25:57.640 --> 01:26:03.440]  Someone who can go back and reappraise this house at the value it should have been at
[01:26:03.440 --> 01:26:09.840]  the time they purchased it and see if it matches the appraisal that the bankster's appraisal
[01:26:09.840 --> 01:26:12.440]  said it was for
[01:26:12.440 --> 01:26:17.520]  Because one of the things they're consistently doing is over appraising the value of the
[01:26:17.520 --> 01:26:18.520]  house
[01:26:18.520 --> 01:26:22.440]  I was talking to someone in real estate and he had a woman that wanted to buy upgrade
[01:26:22.440 --> 01:26:25.960]  to a nicer house in a nicer neighborhood and get her kids out of this bad neighborhood
[01:26:25.960 --> 01:26:29.080]  she was in
[01:26:29.080 --> 01:26:35.520]  The bank had an appraiser come in and appraise the house she was moving out of
[01:26:35.520 --> 01:26:40.520]  Had the guy go back three times because he appraised it too high
[01:26:40.520 --> 01:26:47.080]  And the third time he got him to appraise it down 50,000 under the original
[01:26:47.080 --> 01:26:53.280]  So they under appraise the equity house and then the house they're moving into they over
[01:26:53.280 --> 01:26:54.280]  appraise that one
[01:26:54.280 --> 01:27:01.040]  These are common practices and these are the things we're going to look at
[01:27:01.040 --> 01:27:07.640]  We'll bring in an appraiser and have him go in and do a forensic appraisal
[01:27:07.640 --> 01:27:13.880]  Look at the property values at the time Look at the interest rates at the time
[01:27:13.880 --> 01:27:17.840]  Look at how well these properties were selling at the time
[01:27:17.840 --> 01:27:22.160]  And you know if it needed repairs, what these kind of repairs cost at the time
[01:27:22.160 --> 01:27:26.840]  So you can get an accurate appraisal of its value when it was sold
[01:27:26.840 --> 01:27:31.280]  And then compare that to what the banksters said
[01:27:31.280 --> 01:27:34.080]  How can you accurately do a retroactive appraisal?
[01:27:34.080 --> 01:27:39.480]  I mean because you don't really know what the condition of the house was at the time
[01:27:39.480 --> 01:27:47.440]  That's relatively easy You can look at the roof and pretty well tell how old it is
[01:27:47.440 --> 01:27:50.240]  You can look at the foundation
[01:27:50.240 --> 01:27:57.760]  If the foundation has been repaired, it takes a long time for foundations to get in disrepair
[01:27:57.760 --> 01:28:04.200]  You know they creep, they sag slowly
[01:28:04.200 --> 01:28:14.160]  And it's not very difficult based on the soil conditions to estimate how bad this was before
[01:28:14.160 --> 01:28:15.920]  it was repaired
[01:28:15.920 --> 01:28:21.680]  Or if it's not repaired, they can look at it now and estimate back to the damage that
[01:28:21.680 --> 01:28:26.160]  existed at the time the house was sold
[01:28:26.160 --> 01:28:29.840]  This is not really terribly difficult
[01:28:29.840 --> 01:28:34.880]  And they look at the house and look at the kinds of repairs that had to be done
[01:28:34.880 --> 01:28:39.280]  That go to existing conditions on the house
[01:28:39.280 --> 01:28:42.800]  This is not very hard There are professionals out here who can do that
[01:28:42.800 --> 01:28:46.320]  relatively accurately
[01:28:46.320 --> 01:28:54.800]  So if it looks as though that was a factor, then we go back and do the forensic appraisal
[01:28:54.800 --> 01:28:58.440]  We run the numbers on the note
[01:28:58.440 --> 01:29:01.360]  And we always find problems with the numbers on the note
[01:29:01.360 --> 01:29:14.080]  I keep reading accounts of the bank not being able to explain the numbers
[01:29:14.080 --> 01:29:18.240]  And this is a perfect example
[01:29:18.240 --> 01:29:30.920]  In this particular instance, the payment for the first month was $740.81
[01:29:30.920 --> 01:29:33.800]  I'm sorry for the first year
[01:29:33.800 --> 01:29:37.920]  Second year was $740.21
[01:29:37.920 --> 01:29:40.360]  And $4356
[01:29:40.360 --> 01:29:44.560]  It changed at a rate that wasn't consistent
[01:29:44.560 --> 01:29:46.760]  Every year was different
[01:29:46.760 --> 01:29:49.560]  Anyway, when we come back, I'll go to the rest of that
[01:29:49.560 --> 01:29:50.720]  All right, we'll be right back
[01:29:50.720 --> 01:29:53.240]  Callers, the call board's been awful quiet tonight
[01:29:53.240 --> 01:29:55.880]  We'd like to call in 512-646-1984
[01:29:55.880 --> 01:29:57.600]  We've got another two segments
[01:29:57.600 --> 01:30:00.800]  We'll be right back
[01:30:00.800 --> 01:30:04.560]  There comes a time in every patriot's life when they must ask themselves
[01:30:04.560 --> 01:30:07.440]  Will I sit idly by as tyranny engulfs the globe?
[01:30:07.440 --> 01:30:11.960]  Or will I do everything in my power to defend the freedom inherent in all men across the world?
[01:30:11.960 --> 01:30:15.280]  Will I give up hope in the face of seemingly impossible odds?
[01:30:15.280 --> 01:30:19.400]  Or will I use the intensity of the struggle ahead of me to strengthen my convictions?
[01:30:19.400 --> 01:30:22.960]  My name is John Bush and I have chosen to stand tall on the side of liberty
[01:30:22.960 --> 01:30:27.160]  Many other patriots like myself have come together to call for a new Continental Congress
[01:30:27.160 --> 01:30:32.200]  Just as our founders assembled before us, we too will gather to discuss the abuses of our governments
[01:30:32.200 --> 01:30:33.920]  And what we can do to correct them
[01:30:33.920 --> 01:30:40.120]  I'm asking for your vote and your support in being one of three Texans to represent our great state in this historic event
[01:30:40.120 --> 01:30:46.240]  You can vote this Saturday, October the 10th, at Ruta Maya on 3601 South Congress Avenue
[01:30:46.240 --> 01:30:48.720]  Anytime from 10 a.m. to 4 p.m.
[01:30:48.720 --> 01:30:54.040]  Again, that's Saturday, October the 10th, at Ruta Maya on 3601 South Congress Avenue
[01:30:54.040 --> 01:31:00.520]  Go to GiveMeLiberty.org for more info and remember to always humanize, harmonize, localize
[01:31:24.040 --> 01:31:46.040]  Okay, so Randy, the rate changed every year, but it wasn't a consistent change
[01:31:46.040 --> 01:31:50.400]  It wasn't, you know, didn't follow a consistent pattern, so what's up with that?
[01:31:50.400 --> 01:31:58.880]  Right, it changed every year for 11 years, and then in the 12th year, it dropped like 60 cents
[01:31:58.880 --> 01:32:15.160]  And then 75 cents and then 68 cents each year, and then in the 12th year, it was like 736 something for five months
[01:32:15.160 --> 01:32:27.600]  And then for 222 months, it was 690 something, and then on the last month, it was a payoff amount of 6 something
[01:32:27.600 --> 01:32:36.480]  I went through these and I'm trying to figure out where on earth did they come up with these numbers
[01:32:36.480 --> 01:32:45.880]  Now, I think what they're going to say is, is they're adding in projected servicing costs
[01:32:45.880 --> 01:32:52.480]  Well, I don't know how they do that because they change the servicer on a regular basis
[01:32:52.480 --> 01:33:00.400]  And I shouldn't be paying the servicer anyway, he's not providing the service for me
[01:33:00.400 --> 01:33:11.680]  This comes out of the profit that the investor makes, not out of mine, and it's not in my contract for it to be in there
[01:33:11.680 --> 01:33:23.040]  Because what I should be paying is $683, and the least amount they were charging was $693
[01:33:23.040 --> 01:33:40.480]  So where did they come up with these numbers? And this is common that even accountants are unable to account for the numbers in the documents
[01:33:40.480 --> 01:33:44.480]  And you would think that that's just poor accounting
[01:33:44.480 --> 01:33:50.360]  I maintain it is no such thing, it is intentional
[01:33:50.360 --> 01:34:04.600]  This is done so that the borrower who is unsophisticated will try to figure out these numbers and assume that they have some specificity to them
[01:34:04.600 --> 01:34:06.040]  When in fact they don't
[01:34:06.040 --> 01:34:11.720]  Nothing like this is ever unintentional, ever
[01:34:11.720 --> 01:34:18.240]  Yeah, they set this up to hide it so that you can't get it figured out
[01:34:18.240 --> 01:34:26.560]  Well, I've written a spreadsheet, actually I didn't write it, I copied somebody else's off the internet
[01:34:26.560 --> 01:34:29.120]  Okay, okay, I plagiarized it
[01:34:29.120 --> 01:34:35.480]  And then I took it and rewrote it, this was just a spreadsheet that did an amortization
[01:34:35.480 --> 01:34:43.040]  And then I added some more formulation to it so I could do comparative amortizations
[01:34:43.040 --> 01:34:54.840]  So if you have a mortgage, look at your paperwork, okay, if you're not behind, if you're all up to date and everything's just fine
[01:34:54.840 --> 01:35:06.320]  Did you pay the right amount for the building or was it assessed at a higher value than it really should have been?
[01:35:06.320 --> 01:35:13.320]  Are you paying the interest that you agreed to pay or are you paying some other amount?
[01:35:13.320 --> 01:35:24.680]  And that portion of your payment that's above principal and interest, which goes to escrow, taxes, insurance
[01:35:24.680 --> 01:35:39.240]  Are you actually paying for the taxes and insurance accurately? This is one of the primary places where financial abuse occurs is in the escrow accounts
[01:35:39.240 --> 01:35:44.800]  Because it takes some work to figure out what it should be
[01:35:44.800 --> 01:35:50.400]  How much are you paying for insurance? How much are you paying for the various taxes?
[01:35:50.400 --> 01:36:00.000]  And all those other costs that are regular that have to be paid and are included in the note
[01:36:00.000 --> 01:36:08.520]  You generally don't know that and when I talk to people about this and start asking them how much were your taxes each year, they don't know
[01:36:08.520 --> 01:36:12.080]  They just know how much the payment was
[01:36:12.080 --> 01:36:18.920]  But primarily, are you paying the interest you agreed to pay or are you paying a higher interest?
[01:36:18.920 --> 01:36:29.080]  And going over these notes, I've never seen a single one that had errors in it that were in the favor of the borrower
[01:36:29.080 --> 01:36:38.600]  They seem purely by happenstance when the mortgage company makes a mistake, it just always happens to be in their favor
[01:36:38.600 --> 01:36:41.040]  It just so happens
[01:36:41.040 --> 01:36:55.360]  So if anybody's out there who's got their mortgage papers, if you can pull out your actual note and pull out your
[01:36:55.360 --> 01:36:58.080]  What do you call it? Looking for my file
[01:36:58.080 --> 01:37:07.520]  They give you an estimate of what it's going to cost, of what the mortgage will be and then they'll give you the actual note
[01:37:07.520 --> 01:37:16.800]  And we compare the note to the estimates, now run the numbers on it and I think you'll be surprised how much they're ripping you off
[01:37:16.800 --> 01:37:21.240]  Just so happens that they're ripping you off
[01:37:21.240 --> 01:37:26.560]  At least that's what they would like you to think
[01:37:26.560 --> 01:37:31.520]  Hey, it's purely happenstance that it always comes down in their favor
[01:37:31.520 --> 01:37:32.960]  Just so happens
[01:37:32.960 --> 01:37:36.840]  Well, Randy, we have a caller on the line, Justin from Texas, you want to take a call?
[01:37:36.840 --> 01:37:37.480]  Yes
[01:37:37.480 --> 01:37:41.160]  All right, Justin, thanks for calling in, what's your question?
[01:37:41.160 --> 01:37:45.000]  You bet, I just love y'all, so I love listening to you, thank you for
[01:37:45.000 --> 01:37:47.120]  Oh, thank you
[01:37:47.120 --> 01:37:57.840]  I have a question about my mortgage, I filed a quiet title act two years ago and of course the judge erred many times
[01:37:57.840 --> 01:38:15.280]  And I objected, you know, and I got my objections on the record and at the last minute on the appeals, I went ahead with the appeal and I filed in a document
[01:38:15.280 --> 01:38:16.880]  Wait a minute, stop
[01:38:16.880 --> 01:38:17.400]  Okay
[01:38:17.400 --> 01:38:21.760]  You kind of started in the middle, bring us up to speed
[01:38:21.760 --> 01:38:27.080]  Okay, I'm waiting for a reply from the appeals court
[01:38:27.080 --> 01:38:29.320]  Wait a minute, that's still in the middle
[01:38:29.320 --> 01:38:29.960]  Okay
[01:38:29.960 --> 01:38:32.680]  What's going on here?
[01:38:32.680 --> 01:38:34.760]  What is the nature of the decision?
[01:38:34.760 --> 01:38:39.320]  Well, that's why I called, I guess I should start at the first, forgive me
[01:38:39.320 --> 01:38:51.480]  Okay, I found those discrepancies in exactly what you were just talking about in the escrow account on my note
[01:38:51.480 --> 01:39:00.200]  And I called and questioned them and they gave me a bunch of rigmarole and then at the end of the year, I've got a bill
[01:39:00.200 --> 01:39:03.280]  Did you send them a RESPA letter?
[01:39:03.280 --> 01:39:06.160]  Yes, I did
[01:39:06.160 --> 01:39:11.840]  Did they fully answer the RESPA letter?
[01:39:11.840 --> 01:39:18.440]  Well, it's been a while since I pulled those papers out, I don't, the RESPA
[01:39:18.440 --> 01:39:20.280]  Pull them back out again
[01:39:20.280 --> 01:39:21.680]  I don't think they
[01:39:21.680 --> 01:39:25.800]  How much was the quoted interest rate?
[01:39:25.800 --> 01:39:30.920]  The quoted interest rate, well, I had an arm, of course
[01:39:30.920 --> 01:39:43.680]  And after the rate was readjusted after two years, what they wanted me to do is refinance
[01:39:43.680 --> 01:39:50.120]  They said, oh, we can get over this, you know, we can get out of the arm, all you got to do is refinance
[01:39:50.120 --> 01:39:55.880]  And that's a common practice in creditory lending
[01:39:55.880 --> 01:39:56.560]  Right
[01:39:56.560 --> 01:40:07.080]  But this may have backfired on them because how long ago did you write the note?
[01:40:07.080 --> 01:40:11.960]  Oh, this was back in 2002
[01:40:11.960 --> 01:40:17.560]  2002, in 2000, interest rates were almost at 10%
[01:40:17.560 --> 01:40:20.840]  2002, they were about eight something
[01:40:20.840 --> 01:40:22.800]  Right, that's what I had, it was eight
[01:40:22.800 --> 01:40:31.000]  Okay, so if you can show fraud in the note, look at the amount of interest you're paying
[01:40:31.000 --> 01:40:35.840]  And compare it to what you should be paying
[01:40:35.840 --> 01:40:47.520]  Based on the arm, on the increases, they based their increases on the Federal Reserve interest rate
[01:40:47.520 --> 01:40:52.920]  You need to look at the interest rate you're paying compared to what it should be
[01:40:52.920 --> 01:40:58.160]  And I can guarantee you it's going to be higher than what it should be
[01:40:58.160 --> 01:41:03.600]  And then what you do is you calculate out the difference like I did here, I ran the difference
[01:41:03.600 --> 01:41:07.240]  If you could give me those numbers, I could run it and tell you immediately
[01:41:07.240 --> 01:41:13.360]  Well, this is not designed for an arm, I'd have to rewrite to do an arm
[01:41:13.360 --> 01:41:20.200]  But calculate what you should have been charged compared to what you're actually charged
[01:41:20.200 --> 01:41:28.000]  And what you do is you don't calculate how much extra they have charged you
[01:41:28.000 --> 01:41:34.720]  You calculate how much extra you would pay if you paid out the entire note
[01:41:34.720 --> 01:41:42.040]  Like in this case, it was a 30-year fixed interest, I ran the numbers
[01:41:42.040 --> 01:41:47.440]  They would have paid extra $44,943
[01:41:47.440 --> 01:41:50.720]  You don't calculate what they actually paid extra
[01:41:50.720 --> 01:41:58.720]  You calculate what you would have paid extra had their fraudulent scheme ran to fruition
[01:41:58.720 --> 01:42:05.240]  And then you triple that and you sue them for that amount
[01:42:05.240 --> 01:42:12.080]  So if you take this note and you go through it, have it analyzed
[01:42:12.080 --> 01:42:19.400]  Look at not just what they're doing wrong, but all of the notices that they didn't do
[01:42:19.400 --> 01:42:25.560]  All of these notices that are required are required to protect you
[01:42:25.560 --> 01:42:31.440]  And as a matter of course, these guys don't do them
[01:42:31.440 --> 01:42:32.560]  Right
[01:42:32.560 --> 01:42:39.000]  So like in this particular case, I asked the people, what's the interest rate you're supposed to pay?
[01:42:39.000 --> 01:42:41.120]  Oh, it's 6%
[01:42:41.120 --> 01:42:43.680]  You know, you're not paying 6%, you're paying 6.5
[01:42:43.680 --> 01:42:46.440]  Oh, no, no, no, no, no, it's at 6%
[01:42:46.440 --> 01:42:59.080]  So regardless of what the lender told them, these people didn't understand that they were paying 6.5
[01:42:59.080 --> 01:43:02.760]  So they didn't have adequate notification
[01:43:02.760 --> 01:43:10.360]  In this particular case where more interest is charged than is allowed, that's grounds for rescission
[01:43:10.360 --> 01:43:19.120]  There are certain notifications that you're supposed to have if you don't get those, those are grounds for rescission
[01:43:19.120 --> 01:43:25.640]  Okay, if you can show these grounds, you go in and sue for rescission
[01:43:25.640 --> 01:43:33.440]  And what rescission is, is you say, this note was fraudulent from its inception
[01:43:33.440 --> 01:43:40.200]  So give me all my money back, every dime I paid, I give you the house back
[01:43:40.200 --> 01:43:47.440]  And since it'd be improper to throw me out of the house for your fraud, I get first opportunity to buy it back from you at current price
[01:43:47.440 --> 01:43:50.320]  And we'll talk about what that is when we come back
[01:43:50.320 --> 01:43:51.480]  Okay, we'll be right back
[01:43:51.480 --> 01:43:55.880]  We've also got Gary from Texas on the line and Mark from Wisconsin, one of our affiliates
[01:43:55.880 --> 01:43:58.400]  So we'll be right back and talk to them as well
[01:44:01.720 --> 01:44:05.640]  Hi, this is Norman Horn from the UT Austin Libertarian Longhorns
[01:44:05.640 --> 01:44:11.480]  And I want to invite you to the Students for Liberty Texas Conference on October 24, 2009
[01:44:11.480 --> 01:44:14.920]  Located at the Thompson Conference Center on the UT campus
[01:44:14.920 --> 01:44:20.040]  We have a great lineup of speakers coming to teach you about the fundamentals of a free society
[01:44:20.040 --> 01:44:28.040]  Speakers include Vice President of the Cato Institute Jean Healy as the keynote, renowned author and activist Mary Brewer and many more
[01:44:28.040 --> 01:44:34.400]  To top it off, policy groups from all over Texas will be present for a roundtable discussion about local activism
[01:44:34.400 --> 01:44:38.600]  Registration is just $10 plus an optional fee for lunch and dinner
[01:44:38.600 --> 01:44:41.000]  For students, it's absolutely free
[01:44:41.000 --> 01:44:49.920]  But registration is required, so go to our website at www.libertarianlonghorns.com for more information about how to sign up
[01:44:49.920 --> 01:44:53.760]  That's www.libertarianlonghorns.com
[01:44:53.760 --> 01:44:58.600]  Support peace and freedom and come to the Students for Liberty Texas Conference 2009
[01:44:58.600 --> 01:45:05.600]  I'll see you there
[01:45:28.800 --> 01:45:34.800]  Hi, this is Norman Horn from the UT Austin Libertarian Longhorns
[01:45:34.800 --> 01:45:41.800]  And I want to invite you to the Students for Liberty Texas Conference on October 24, 2009
[01:45:41.800 --> 01:45:46.800]  Located at the Thompson Conference Center on the UT campus
[01:45:46.800 --> 01:45:53.800]  We have a great lineup of speakers coming to teach you about the fundamentals of a free society
[01:45:53.800 --> 01:45:58.800]  Don't do it to somebody with the things in this world
[01:45:58.800 --> 01:46:04.800]  We'll never understand something I realize fully
[01:46:04.800 --> 01:46:09.800]  Somebody's gonna police that police man
[01:46:09.800 --> 01:46:12.800]  Somebody's gonna put the police
[01:46:12.800 --> 01:46:15.800]  I know they will
[01:46:15.800 --> 01:46:17.800]  Yeah, they're gonna put the police
[01:46:17.800 --> 01:46:18.800]  I know they will
[01:46:18.800 --> 01:46:21.800]  I've seen so much and got to say
[01:46:21.800 --> 01:46:23.800]  I know they will
[01:46:23.800 --> 01:46:31.800]  Never failed to check back that scale
[01:46:48.800 --> 01:46:50.800]  I went down to that old quarry the other day
[01:46:50.800 --> 01:46:58.480]  the other day. That's where I heard that old rock warring message. He knew I'd always have
[01:46:58.480 --> 01:47:05.200]  a place for my head to lay. I've delivered my truck, waved goodbye and drove away. The
[01:47:05.200 --> 01:47:14.800]  pain in this world I will never understand. The pain I've realized fully. Somebody's gonna
[01:47:14.800 --> 01:47:21.680]  fall in, somebody's mind. I know that body's gonna fall in, somebody's gonna fall in. I
[01:47:21.680 --> 01:47:31.200]  know they will. Yeah, they're gonna put the bill. I know they will. Okay, Ja will. Ja will
[01:47:31.200 --> 01:47:36.080]  tip back the scales. We're tipping back the scales. Ja's tipping back the scales with
[01:47:36.080 --> 01:47:45.440]  us. Okay, Randy finish up and then we'll go to Gary in Texas. Where were we? Basically
[01:47:45.440 --> 01:47:54.560]  you're talking about the rate increase in suing them for triple damages, what the extra
[01:47:54.560 --> 01:47:58.960]  amount would be if their evil plan had come to fruition. Yeah, okay, here's the deal.
[01:47:58.960 --> 01:48:15.520]  In 2002, 2003, the interest rate was right at six percent. That's 2003. In 2002 it was
[01:48:15.520 --> 01:48:24.800]  between seven and eight. In 2000 it was almost at ten. So it's been dropping since. So if you
[01:48:24.800 --> 01:48:31.680]  can show fraud in the original note or RESPA or TILA violations, Truth in Lending Act or
[01:48:31.680 --> 01:48:38.080]  Real Estate Settlement Procedures Act, if you can show violations of those and certain of
[01:48:38.080 --> 01:48:46.800]  those violations give you grounds for rescission, you rescind the contract. You tell them take
[01:48:46.800 --> 01:48:53.200]  this house, give me all the money I paid you back and take this house back. However,
[01:48:53.200 --> 01:48:58.720]  since I am in the house and I didn't commit the fraud you did, it would be inappropriate
[01:48:59.440 --> 01:49:08.160]  to force me to leave the house. So I get first option of buying it back at current value. Well,
[01:49:09.200 --> 01:49:15.120]  with the housing crisis, the housing with the economic crash, property values are dropping
[01:49:15.120 --> 01:49:23.600]  like a stone. And that's not all. Along with the property values, interest rates are dropping
[01:49:23.600 --> 01:49:38.960]  like a stone. The prime interest rate right now, 3.25. So the house you bought back in 2002,
[01:49:38.960 --> 01:49:47.920]  you probably paid seven, eight percent interest on. Now you pay 3.2. Run that through an
[01:49:47.920 --> 01:49:55.440]  amortization schedule and look at the difference it makes. You will be astounded. The difference
[01:49:55.440 --> 01:50:05.360]  is incredible. When you consider they overcharged this guy a half a percent on $115,000 note at
[01:50:05.360 --> 01:50:14.640]  six percent and it stays in 44 grand. If you can show that they defraud you during this housing
[01:50:14.640 --> 01:50:22.160]  bubble when they were literally glutting on our hard earned money, stealing it from us.
[01:50:23.680 --> 01:50:30.080]  Now you turn the tables on them. We send the note. They pay back all your money.
[01:50:30.080 --> 01:50:37.440]  They pay back all your money. You rebuy it. You repurchase at current deflated value
[01:50:38.800 --> 01:50:47.600]  and at a 3.25 percent interest rate. And even if you can't get all of that done,
[01:50:49.200 --> 01:50:56.720]  if you can come at them with a whole stack of charges and a whole stack of issues they have
[01:50:56.720 --> 01:51:07.360]  to deal with, then we play let's make a deal. We go back and refinance this thing at current rate.
[01:51:09.120 --> 01:51:14.960]  How about this? How about you just, how about I don't have to give you any more money for the
[01:51:14.960 --> 01:51:20.640]  house and I just keep the house and we'll just call it even. And you give me the money,
[01:51:20.640 --> 01:51:27.360]  that triple that you ripped me off to. Depending on how egregious the violations are,
[01:51:28.640 --> 01:51:34.080]  that is a possibility and here's how it works. And remember we also have Gary from Texas who
[01:51:34.080 --> 01:51:42.720]  got six minutes left. Oh okay, I'll go through this quickly. Mortgage company rights of mortgage.
[01:51:44.240 --> 01:51:49.040]  You give them a deed of trust, promissory note. Well they don't want to hold that note because
[01:51:49.040 --> 01:51:54.960]  they want to get their money back so they sell that note to an investor. They securitize it,
[01:51:55.920 --> 01:51:58.960]  put it in a pool and sell the pool of notes to an investor.
[01:52:01.120 --> 01:52:08.000]  Here's what the Supreme Court of Kansas said. They said they had no case law on this issue so
[01:52:08.000 --> 01:52:14.240]  they drew from other states and the fact that they drew their case law from several other states
[01:52:14.240 --> 01:52:21.200]  makes this a much more profound decision. They said that this is a very basic principle of finance.
[01:52:22.320 --> 01:52:35.360]  That when the mortgage company sold the note itself, the promise to pay to someone else,
[01:52:35.360 --> 01:52:41.360]  they separated the promise to pay from the lien, from the deed of trust.
[01:52:41.360 --> 01:52:47.920]  So the mortgage company is holding the deed of trust and someone else is holding the promise to
[01:52:47.920 --> 01:52:52.880]  pay. The mortgage company who's holding the deed of trust, they got paid. They got all their money
[01:52:52.880 --> 01:53:00.480]  from the investor so they got paid out. They cannot be harmed. You think you're paying your
[01:53:00.480 --> 01:53:06.400]  payments to the mortgage company, you're not. They're just a servicing agent. They collect it
[01:53:06.400 --> 01:53:14.080]  and give it to the guy who owns the security instrument. These guys have the lien against
[01:53:14.080 --> 01:53:20.080]  your property but they can't be harmed because they've been paid. So they don't have standing
[01:53:20.080 --> 01:53:27.040]  to come against you in court. The guy who has the security interest, the note, he doesn't have the
[01:53:27.040 --> 01:53:37.760]  deed of trust. So he has an unsecured note. The Supreme Court said that when the mortgage company
[01:53:37.760 --> 01:53:45.920]  separates the deed of trust from the security instrument, they create a fatal flaw and neither
[01:53:45.920 --> 01:53:50.800]  one has standing to bring an issue before the court. It was like dropping an atomic bomb.
[01:53:50.800 --> 01:53:57.680]  Wow. That is a really... Like I said, how about if I just get to keep the house
[01:53:57.680 --> 01:54:03.680]  and you guys pay me back three times the ripoff scheme? Okay. That's what's possible because
[01:54:04.320 --> 01:54:08.880]  you can go to the mortgage company and say, who are you? Exactly. Or do you have standing
[01:54:08.880 --> 01:54:12.720]  to raise an issue? How are you harmed? All right. Well, listen, we've got three minutes
[01:54:12.720 --> 01:54:18.240]  left, Randy. So do you want to go to Gary? Okay. Gary, thanks for calling in. What's your question?
[01:54:18.240 --> 01:54:22.240]  Yes, ma'am. Yeah, I just want to go over one thing with Randy when he was talking about
[01:54:22.240 --> 01:54:29.360]  when folks call in to tell you what their interest rate is. If they're on a fixed rate,
[01:54:29.360 --> 01:54:33.840]  they can do that. If they're on an arm, it's real difficult for them to be able to do that
[01:54:33.840 --> 01:54:41.360]  because they'll have... There's three items that determine what the rate is. You've got your margin,
[01:54:42.000 --> 01:54:46.880]  you have the index that it's written on, say the six month LIBOR index, which are where most of
[01:54:46.880 --> 01:54:52.080]  these adjustable rates were written on. And then you have a margin, which most folks don't even know
[01:54:52.080 --> 01:54:58.640]  what it is. And then you have your start rate. Well, when you get ready to have your first
[01:54:59.200 --> 01:55:05.360]  rate increased, they take that margin, which say for instance, your start rate was 6% back
[01:55:05.360 --> 01:55:12.000]  four years ago, or three years ago. And then six months prior to your first change date,
[01:55:12.000 --> 01:55:16.320]  they take the margin that they wrote the note at. Well, they may have written it at 8%.
[01:55:17.360 --> 01:55:22.560]  And so you take that margin, which would be 8%, and you add that to your current
[01:55:24.240 --> 01:55:31.040]  index. So it matters not what the interest rate is at the time of the change. You're already going
[01:55:31.040 --> 01:55:36.480]  to get a 2% increase there anyway. So you have to know what your margin was written at
[01:55:36.720 --> 01:55:39.280]  in order for you to be able to calculate what that interest rate is.
[01:55:39.280 --> 01:55:47.760]  Exactly. The spreadsheet I have is not written for ARM. I'll have to rewrite one.
[01:55:47.760 --> 01:55:54.080]  Most folks don't even know. Yeah, you'll have to. There was a wide spread of margins.
[01:55:54.880 --> 01:55:59.040]  You know, it was ridiculous. Sometimes they'd be written at three, sometimes they'd be written at
[01:55:59.040 --> 01:56:07.360]  eight. And there was no rival reason to it. That's one of the things that I'm researching.
[01:56:07.360 --> 01:56:15.360]  If there's no rhyme or reason, then because this is a closely regulated industry,
[01:56:16.560 --> 01:56:20.320]  anything they claim, they will have to substantiate.
[01:56:20.320 --> 01:56:24.560]  Right. Well, now see, the thing is, here's what you want to look for, Randy, in those arms.
[01:56:25.280 --> 01:56:29.040]  It all keys to the origination. In other words, if I originated the note for you
[01:56:29.840 --> 01:56:35.040]  and I took your application, within three days, I have to disclose to you, I have to give you a
[01:56:35.040 --> 01:56:39.520]  good faith estimate, and a truth in lending statement, and then all my rest of the disclosure.
[01:56:40.560 --> 01:56:44.320]  The truth in lending statement should have came much sooner.
[01:56:44.960 --> 01:56:46.400]  Well, it's supposed to be within three days.
[01:56:46.400 --> 01:56:48.080]  Okay. Yeah. Okay. Go ahead.
[01:56:48.080 --> 01:56:52.240]  Not in the closing. No, in the closing, you get a till at closing. But no, I'm talking about a
[01:56:52.240 --> 01:56:57.040]  loan origination. You call me up on the phone and say, hey, you know, I want a refund. I've got to
[01:56:57.040 --> 01:57:01.360]  give you within three business days, I must give you a truth in lending statement and a good faith
[01:57:01.360 --> 01:57:10.480]  estimate. Here's the deal. Whatever I disclose has to match up to what we close at. Now,
[01:57:11.040 --> 01:57:16.960]  there is no way in God's green earth that most loan officers or brokers know how to calculate
[01:57:17.520 --> 01:57:23.600]  a truth in lending statement on an armed note. I was in the business for 15 years,
[01:57:23.600 --> 01:57:30.960]  and I don't know how to do it. Okay. And so what it is is once it's finally calculated properly,
[01:57:30.960 --> 01:57:34.800]  that's going to be the one that's at closing. So you'll find that just about every adjustable
[01:57:34.800 --> 01:57:43.680]  rate mortgage that you look at, the till that was issued at origination is going to differ from the
[01:57:43.680 --> 01:57:53.600]  till that was closed upon. And there then lies a whole new avenue. That's one of the things.
[01:57:53.600 --> 01:58:02.160]  That was a more sophisticated step. I've got the spreadsheet I put together to analyze this
[01:58:02.880 --> 01:58:08.560]  for a single rate. It's pretty sophisticated. The one for an arm is going to be a lot more
[01:58:08.560 --> 01:58:14.080]  sophisticated. You just have to do one in that changes out to the margin. We'll talk again.
[01:58:14.080 --> 01:58:20.640]  I'll send you some info. Send me an email so I can communicate. I will do that. Thank you.
[01:58:20.640 --> 01:58:25.040]  Have a good one. See you then. All right. Thank you, Gary. Okay. We're at the end of the show.
[01:58:25.040 --> 01:58:28.720]  We'll be back tomorrow night with Eddie Craig. This is the rule of law,
[01:58:28.720 --> 01:58:34.640]  Rainy Kelton and Deborah Stevens. Stay tuned for Endless Fraud Detection with Steve Skidmore and
[01:58:34.640 --> 01:58:40.240]  Neil Switkowski coming up right now. They've got a couple of really good guests for you guys. So
[01:58:40.240 --> 01:59:03.440]  check it out. We'll be back tomorrow night. Activism, education, celebration,
[01:59:04.000 --> 01:59:08.800]  looking for something to do this October? Be part of the largest freedom festival on either
[01:59:08.800 --> 01:59:15.360]  side of the Mississippi. The Midwest Liberty Fest. Come to DeCoin, Illinois this October 9th,
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[01:59:33.920 --> 01:59:42.160]  Illinois, October 9th, 10th and 11th. Visit the website at www.MidwestLibertyFest.com for all the
[01:59:42.160 --> 01:59:49.520]  details. That's www.MidwestLibertyFest.com. Don't let the fall breeze get you down. Come join the
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