Tag Archives: banks

Ways to Deal with Rogue Towns and Crime Gang Towns in the United States . by Alice B. Clagett

Filmed on 2 February 2020; published on 16 August 2020
Location: Los Angeles, California

  • VIDEO BY ALICE
  • SUMMARY OF THE VIDEO
    • Rogue Town: Counterfeit Money Laundering to Tourists or Through Local Banks
    • Rogue Town: Siege as An Option to Bring It Into Line
    • Real Estate Seizure Gambit in a Putative Rogue Town
    • Dealing with Rogue Towns, from a Federal Standpoint
    • Conclusion

Dear ones, there is an edited Summary after the video …

VIDEO BY ALICE

SUMMARY OF THE VIDEO

Hello, Dear Ones, It’s Alice. I Am of the Stars.

I would like to talk a little today about the things that probably will not go wrong with America but that, in the worst case scenario might take place in a few small towns of America. And so these are things that we should look out for and have a plan for in advance, just in case. That is how I feel. It has to do with social unrest and the economy of the United States.

Rogue Town: Counterfeit Money Laundering to Tourists or Through Local Banks

There is a chance, in the coming years, that one of these scenarios might come up: It might be that a town might have a sheriff or police officer who is in collusion with a crime gang, or a mob or mafia … a crime family. And the crime family or crime gang might be producing its own counterfeit United States ‘money’.

They might be passing it out to the tourists who come into town, and laundering it in that way. Or they might be laundering it through the local banks to other parts of the country.

Now if that happens … if the crime gang controls the town … what we have, as far as I can tell, is secession from the United States. The reason for that is, one of the things the Federal Government does is provide a currency for all the states in the United States.

If a town chooses to produce its own currency, then in effect it is setting itself up as a sovereign nation with its own currency, trading on the goodwill and the economic success of the larger governing body, the United States.

Rogue Town: Siege as An Option to Bring It Into Line

If that were to happen, I wonder if the Department of Homeland Security would be the place to go to try to get the situation handled. I say that because, in a broad sense, the actions of a crime gang town might be considered terrorist actions, I suppose, or secessionist actions, and maybe one of those definitions might be covered by the Department of Homeland Security, which might have enough personnel to take care of it.

If the economy is tight here in America, federally, then one way to handle such a situation of a rogue town would be to create a stage of siege to barricade the incoming and outgoing traffic on the roads to other parts of the country, and to prevent air flights from coming in.

The advantage of this would be … with luck … less loss of life than, say, sending in a SWAT team or a National Guard, or worse yet, doing a pinpoint strike.

So that is my idea … something simple. If that did not work, after a length of time, then I would look at more serious action.

Real Estate Seizure Gambit in a Putative Rogue Town

There is one other thing that LI think might happen; and I think, in this case, it would be a different sort of action that would be taken: It is possible that there may be some small towns coming up, where, if a person from another part of the country buys real estate there … if it is a crime town, like the one I described above … they may find that they are arrested on trumped up charges by, say, the sheriff or police officer who is in league with the crime family, and that their only way of getting out of the situation … or worse yet, execution … would be to give their land to the rogue law enforcement officer for a mere dollar, for a pittance … for nothing … in exchange for a lighter sentence or no death sentence … or a chance to leave town and never come back, as in the old days in the Wild West, the days of formation of the country, when laws were rather ‘catch as catch can’.

If that were to happen, that anyone’s real estate could be seized and sold, and they could be In prison with no real reason for it, then in essence, no one could hold property. No one would have property rights in that town, except for the people in the crime gangs.

The crime gang could move into any house in town that it wanted to … say, murder the owners, and falsify the real estate ownership records saying that they were the new owners, and that the house had been sold for a dollar whatever price it might be.

Dealing with Rogue Towns, from a Federal Standpoint

What does this mean in terms of the United States, and social unrest, and secession? To me it means that the most basic right of American people is being violated; the most basic right of property ownership is being violated. And so that town … that rogue town … has violated the United States Constitution.

Again I feel that this is an act of secession. You could consider it a terrorist act too. But in this case what I would do is ask the CIA Factbook to list that town as a place that is too dangerous for Americans from other parts of the country to visit; and to explain why. And I would ask them to issue an advisory that people should not buy land in that area, and to explain why.

It would be kind of like it used to be, to buy land in Mexico: You could not really buy land; you had to go in with a partner who was a Mexican national, if you were American. It might be kind of like that, in rogue United States towns, eventually.

Of course, the other thing that could be done, if property rights are constantly violated, is simply for the United States government to prohibit United States citizens from purchasing land there, if they are not natives of the local area.

Really it would be as if the rogue town were a foreign nation, and the property rights of the mainland Americans would need to be rewritten in the context of that. That is what I feel. We may experience a town or two like that, in the coming years, since everyone is becoming psychic, and they are clearing things out of their energy fields.

Such rogue towns might even exist right now, and they might need a little ‘what for’ … a little getting in tune with the situation in the rest of America. That is what I think.

Conclusion

I would not take this too seriously. We Americans are a strong people, and we can take it in stride, even if it should happen in the rare instance.

Enough talking. You all take care. Love you lots. Have a wonderful February.

In love, light and joy,
I Am of the Stars
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Small towns of America, rogue towns, Wild West, United States, social unrest, secession, sedition, economy, law enforcement, crime family, mob, mafia, crime gang, counterfeit, finance, tourism, banks, regionalism, decentralization, government,  finance, anarchy, currency, terrorism, sedition, secret service, Homeland Security, rogue towns, military, SWAT team, National Guard, real estate, confidence games, law, execution, capital punishment, crime and punishment, justice, history, property rights, property ownership, United States Constitution, law, terrorism, secret service, CIA Factbook, CIA, Mexico, decentralization, regionalism, countries of Earth,

Side Trading of Stocks and Bonds: Broker-Client Conflict of Interest . by Alice B. Clagett

Written and published on 18 February 2020; updated on 12 June 2020
Previously titled: Question About Stock Brokerage Integrity and Hidden Client Risk

Image: “A Section of Midtown Manhattan in Daytime,” by user: AngMoKil, in Wikipedia … https://en.wikipedia.org/wiki/Architecture_of_New_York_City#/media/File:Pano_Manhattan2007_amk.jpg … CC BY-A 2.5

Image: “A Section of Midtown Manhattan in Daytime,” by user: AngMoKil, in Wikipedia … https://en.wikipedia.org/wiki/Architecture_of_New_York_City#/media/File:Pano_Manhattan2007_amk.jpg … CC BY-A 2.5

  • PUTTING SAVINGS IN BANKS
    • Potential Risks
  • INVESTING IN STOCKS AND BONDS THROUGH A STOCK BROKERAGE FIRM
    • Potential of Brokers Skimming Margin Cream
      • Question: Is This Type of Skimming Maybe Common Practice?
    • Possible Need to Liquidate a Client’s Holding without Their Knowledge: A Workaround Not in the Client’s Best Interests
      • The Temptation for Stock Brokers to Advocate High-Risk Instruments to Cover ‘Phantom’ Trades

Dear Ones,

It seems possible to me there may be stock and bond brokerage conflict of interest with individual investors because of side trading by brokers. I say this because of experiences I had as an individual investor with a prestigious stock broker in years past. First some background regarding putting savings in banks, and then the question regarding side trading by brokers, and the ensuing conflict of interest …

PUTTING SAVINGS IN BANKS

If banks, say, take our savings into a savings account or CD, they are allowed to provide us a low rate of interest, and then they may invest that money in somewhat riskier ways, so as to earn our profit on the money we invest.

Potential Risks

The potential risk for the person who places his or her savings into a savings account or CD is the possibility of large-scale bank failures, as in the case of the Great Depression, when I recall my mom said people lined up on the streets trying to withdraw their savings from the banks, but were not able to because the banks failed.

These days, as I understand it, our bank savings are secured by the SEC or maybe FINRA, up to a certain per-person limit. That may mitigate the risk of large-scale bank failures … at least, up to a point.

INVESTING IN STOCKS AND BONDS THROUGH A STOCK BROKERAGE FIRM

Potential of Brokers Skimming Margin Cream

When we invest our savings in stocks and bonds, say, in a margin account, then it seems to me that the opportunity exists for the stock broker to benefit from our holdings in a way a little reminiscent of banks. For instance, might not the stock broker use our margin account to day trade equities or maybe bonds in hopes of skimming some cream off our account, with the client being none the wiser?

Question: Is This Type of Skimming Maybe Common Practice? Is that allowed, on Wall Street? Maybe it is common practice amongst stock brokerages, and I am not familiar with the practice?

This is the question I have: Do any of my readers know whether this skimming of margin cream is standard stock brokerage practice? If it is, then, I feel, there would be a potential broker-client conflict of interest …

Possible Need to Liquidate a Client’s Holding without Their Knowledge: A Workaround Not in the Client’s Best Interests

I know, from a year of day trading myself, that it is hard to beat the market through day trading. Sometimes, though, people get into the thrill of day trading, so much so that they do not want to look at the bottom line and find out for sure whether they bettered the market over the course of a year. Do you not feel this to be true?

I myself found, using the best software I could obtain, that after a great deal of work every morning, and plenty of thrills, I ended up with no profits (and no losses) at the end of a year.

The best of stock brokers intent on skimming margin cream would most likely know what I learned … that the chance exists that some of the client’s stocks would need to be liquidated because of a broker’s side traded margin deal gone south, unbeknownst to the client.

I remember in my mom’s time, stocks and bonds were actual pieces of paper that a brokerage handed to a client. Thus the client knew for sure what he or she owned; the stockholder or bondholder had the paper to prove it.

Today, however, investors often chose to leave their stock and bond certificates with their brokers. It is true, the investor can see on their monthly statement that they have such-and-such investments, numbered such and such. That, however, is the only proof they have that they have purchased and now own these stocks and bonds.

In a way, these stock brokerage statements are but figments; surely it might be possible, through sleight of hand, to sell some of the underlying instruments to pay off margin debt, without the client being wiser, the presumption being that similar instruments might be purchased, and their CUSIPs, for example, jimmied round, in the event the client wished to sell the (already sold) stock or bond, or to transfer the entire account to another brokerage.

In a sense, then, the stock and bond holdings of the modern-day brokerage client might be viewed as ‘phantom’ holdings. While possible, it seems to me such an approach to skimming margin cream might cause some last-minute sweat of the brow of the broker if the client were to decide to trade or transfer a ‘phantom’ stock or bond.

The Temptation for Stock Brokers to Advocate High-Risk Instruments to Cover ‘Phantom’ Trades. Here is a more difficult call from an ethical standpoint: The broker might wish to cover losses from ‘phantom’ margin trades by persuading the client to accept risky stocks and bonds that are likely to decrease in value. Then the risky instruments might be sold by the broker … while remaining as if held on the client’s statement … and the money from the sales used in ‘phantom’ day trading, with profit going to the broker, and phantom trading losses covered by the decreased cost of the broker’s purchase of the risky stocks as they go down in price.

What I am thinking is that the desire of stock and bond brokers to profit from ‘phantom’ trades might lead them to push very risky stocks onto a client, to cover the broker’s losses. In such instances, the financial interests of the broker would be opposed to the financial interests of his client, do you not think?

In love, light and joy,
I Am of the Stars

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finance, banks, banking, stock brokerages, stocks, bonds, economy, economics, disclosure,

Community Health: Zero Population Growth in the United States by 2079? . by Alice B. Clagett

Written and published on 4 December 2019

  • ZERO POPULATION GROWTH IN THE UNITED STATES BY 2079?
  • ON THE NEED TO RESEARCH ECONOMIC IMPACT OF POPULATION GROWTH DOWNTREND
    • Financial Sector
    • Health Care Sector

Dear Ones,

In light of the global HIV pandemic, I researched a United States population growth rate chart, to find out if perhaps the spread of HIV in the United States (as well as other factors) might be having an effect on population growth.

ZERO POPULATION GROWTH IN THE UNITED STATES BY 2079?

Here is the chart I found …

Link: “Population Growth for the United States (1960-2018)” … https://fred.stlouisfed.org/series/SPPOPGROWUSA ..

As I saw a general downtrend in population growth, I took a look at a table on the topic …

Link: “Population of the United States (Current year and historical)” … https://www.worldometers.info/world-population/us-population/ ..

Here is a very rough extrapolation based on the tabular data …

In 1960, the yearly change in United States population was 1.69 %
In 1990, the yearly change in United States population was 0.95 %
In 2019, the yearly change in United States population was 0.60 %

In the ~60 years from 1960 to 2019, the decrease in the increase in the United States population was 1.69 % minus 0.60 % = 1.09 %

If this trend continues for the next 60 years, then there may be zero population growth in the United States population by 2079.

ON THE NEED TO RESEARCH ECONOMIC IMPACT OF POPULATION GROWTH DOWNTREND

In case this scenario should prove true, I feel it would be good to do workups on economic gear-downs for the various economic sectors, to do with man-hours available and necessary production.

Financial Sector

In the arena of finance, we might consider the impact of zero population growth on the stock market, on the value of a dollar, and on interest rates for the time span between now and the year 2109.

Health Care Sector

Should it be that the HIV pandemic is one of the driving factors in an ongoing decrease in population growth (as HIV couples are unlikely to have viable offspring), then the health care sector might want to consider the impact of HIV on medical care costs, on our ability to maintain necessary supplies of medications despite an aging and health-challenged population, and on the sustainability of the Obamacare program.

In love, light and joy,
I Am of the Stars

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HIV pandemic, AIDS pandemic, United States population, economics, finance, stock market, banks, manpower, zero population growth, Community health, population,

Call to Action: Calculate Cybercrime Drag on U.S. Economy . by Alice B. Clagett

Written and published on 15 February 2019

Dear Ones,

This is a Call to Action: I ask that economists calculate the current cyber crime drag on the United States economy.

Also that they calculate the tipping point at which an internet presence for banks, stock brokerages, and online stores will become no longer economically feasible.

Has the tipping point already been reached? If not, can the date be extrapolated, and may financial institutions and online merchants be informed of this date, so that the move of financial matters away from the internet may be accomplished in an orderly way?

Telephone and fax offer alternatives to conversations currently taking place online. I gather that phone service may also have been cyber criminalized, and request research into resolving telephone privacy as well as cyber secure faxing, If these cannot be attained, then I suggest advising telephone service customers of this, so that an orderly move can be made back to paper correspondence and to the United States mail.

I note, for instance, the need that will arise for goods catalogs, such as the old Sears catalog, to replace Internet giants such as Amazon.com, and the need that will arise for greater stocks of inventory in local community stores.

I note the coming need of greater personnel in the United States Postal Service, to provide service for transactions formerly posted online.

I note the coming need for more paper production (hence more timber planting) to replace paperless online transactions.

In love, light and joy,
I Am of the Stars
…………………..

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Except where otherwise noted, this work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
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economics, economy, calls to action, call to action, cyber crime, cybercrime, timber industry, store inventories, United States Postal Service, phone service, telephone service, fax service. industry, banks, financial institutions, stock brokerages, online marketing, communications, telecommunications, internet, finance, timber industry, paper industry, online retail, housed retail, banks, stock brokerages,