Left Coast Voices

"I would hurl words into the darkness and wait for an echo. If an echo sounded, no matter how faintly, I would send other words to tell, to march, to fight." Richard Wright, American Hunger

Archive for the tag “bank”

Fast Track to Hell: Paul Ryan – Roger Ingalls

I’m from the great state of Wisconsin and proud of it. It’s the home of the Green Bay Packers; the football team that’s won almost twice as many world championships than any other team. It’s a team owned by the community while all other teams are private hobby organizations for fat-cat Wall Street insiders. There’s something sweet about a community team that’s more successful than the bankers’ dream teams.

Wisconsin is also known as the home of Harley Davidson, historic development center for electrical power tools and machining, an original leader in electron-beam microscopy, super computers and, of course, organized labor. It is even rumored that a thousand years ago the Knights Templar buried the Holy Grail somewhere in the Dairy State between the Virgin apex of Green Bay and the Kensington Stone in Minnesota. This is why Wisconsin is often referred to as God’s Country.

Wisconsin does have its embarrassments: Jeffrey Dahmer, Ed Gein and four out of the last twelve gun related mass murders (in the last twenty years) have been committed in the state. However, the biggest embarrassment was republican Senator Joe McCarthy who was responsible for massive civil rights violations during the 1950s. Current Governor Scott Walker is a rights violator too but is considered a pantywaist by comparison to McCarthy.

Presidential candidate Mitt Romney has selected Paul Ryan (republican representative for WI 1st congressional district) as his running mate for the 2012 election. Paul Ryan goes beyond embarrassment for the state; he is pure evil. He is an agent for Wall Street and is pushing an agenda that continues the transfer of middleclass wealth into the hands of the one-percenters. Here are a few of his ideas:

1)      Privatize Social Security – he wants to turn your social security money over to the same bankers and Wall Street companies that crashed the world-wide economy in 2008 and stole the common man’s wealth and gave it to the 1% fat-cats.

2)      Eliminate Medicare for those who earned it – he wants to give us a partial coupon and then make us buy healthcare plans from Wall Street backed insurance companies. For profit insurance companies don’t care about people’s health, they care about making money for their shareholders. The only competition Wall Street’s insurance companies have is Medicare. All insurance companies offer essentially the same coverage so there really isn’t a free market choice other than Medicare. Once Medicare is gone, the people will be powerless and under the thumb of for profit-only Wall Street. Under his plan, getting the medicine and treatment we need will be a bigger fight than we have now.

It’s my opinion that Paul Ryan is pure evil and is trying to fast track the American middleclass into a hellish existence for the benefit of his Wall Street backers. Why does he have to come from my state of Wisconsin? I guess in a Biblical sense, the Antichrist must originate from God’s Country.

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Occupy Protest: The Demands – Roger Ingalls

Mainstream media is finally starting to cover the Occupy Protests but their reporting follows a common theme, “it’s a protest without a real purpose or demand”.

Well…here are the demands:

1)      Create a nationalized commercial bank to fund small businesses based on the prime lending rate plus overhead costs. Bank personnel wages and salaries must be similar to government or military pay grades. Most jobs in America are created by small business (70 to 80%). This will create jobs by providing affordable money to small business. The current Wall Street Institutions benefits from selling financial products back and forth to each other and therefore have little interest in small business lending.

2)      Reinstate the business and personal tax rates and codes (including write-offs and loopholes) used in the 1960s. This was a period of prosperity for both the general population and the business community. These tax rates will balance the budget without compromising public services and will stop the transfer of wealth from the middle class to the rich that has taken place since the early 1980s.

3)      Create a nationalized commercial bank for home ownership based on the prime lending rate plus overhead costs. This will revive the American dream, bring affordable money back to the housing market and separate housing finance from the risky investment banking practiced by Wall Street.

4)      Allow Medicare buy-in for all people regardless of age. This will provide affordable health care for more Americans. It will also bring needed funds to Medicare because the young and healthy will be participating along with the elderly (costs are spread).

5)      No individual person (real or artificial), company, corporation, PAC, Union or special interest group can donate more than $1000 to a political candidate. Organizations cannot be created for the purpose of funding candidates. Organization with multiple business units or multiple businesses owned by an individual or common group of individuals can only make one collective political donation of $1000 per candidate. This will remove the influence big business and special interests have on politicians.

6)      No artificial person, company or corporation can advertise in support or opposition to a candidate (directly or indirectly). This will remove the influence big business and special interests have on politicians.

7)      Political advertisements, candidates, PACs, special interest groups, supporters and opposition groups of ballot issues must maintain an easy-access website that clearly identifies financial contributors. This will remove the influence big business and special interests have on politicians.

8)      No lobbyist can aid a member of congress unless they have not lobbied in the preceding six years. This will remove the influence big business and special interests have on politicians.

Keep the faith, spread the word and keep fighting…it’s a good fight!

-Roger Ingalls

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Roger Ingalls is well-traveled and has seen the good and bad of many foreign governments. He hopes his blogging will encourage readers to think more deeply about the American political system and its impact on US citizens and the international community.

 

FINCA – Mexico

Here is another micro finance organization that a friend of mine supports. FINCA stands for the Foundation for International Community Assistance and was established in 1984.

FINCA is best known for having pioneered the “Village Banking method”–one of the major forms of microcredit–and for leadership in microfinance overall. The mission of FINCA International is to provide financial services to the world’s lowest-income entrepreneurs so they can create jobs, build assets and improve their standard of living. Our vision is to be a global network collectively serving more low-income entrepreneurs than any other microfinance institution, while operating on commercial principles of performance and sustainability.

“We target the poorest of the working poor: those who have the least access to services such as loans, savings programs, and insurance. Our clients include women, who make up 70 percent of the world’s poor; individuals unable to find work in the formal sector; families displaced by war and internal conflict; the rural poor; and those affected by chronic poverty.

With more than 20 years’ experience and over 700,000 clients on five continents, FINCA offers a proven solution to poverty.”

Their website is full of interesting material, including their business model.

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Alon Shalev is the author of The Accidental Activist (now available on Kindle) and A Gardener’s Tale. He is the Executive Director of the San Francisco Hillel Foundation, a non-profit that provides spiritual and social justice opportunities to Jewish students in the Bay Area. More on Alon Shalev at www.alonshalev.com

KIVA: Loans That Change Lives

We can change the world. The problem is that there is so much to do, it can just feel so overwhelming. A few weeks ago my eldest son (11) and I saw a newspaper article with a multimillion dollar lottery winner. “Imagine how that could change your life,” I muttered.

My son decided to fantasize what we would do with a few million dollars. Admittedly, owning our own house, replacing our shuddering geriatric car, and a basketball backboard came first.

But then he began talking of projects to help people. We had recently met someone who runs a bakery on the East Coast that employs homeless and impoverished people. My next novel is about homeless war veterans and my son began to describe how we could create a similar project for such people in San Francisco. As all youngsters do, he soon got caught up in the details.

I told him how a learned Jewish medieval scholar, Maimonides, had created a pyramid of different levels of giving. Providing someone with a skill and a means to support themselves and their family is considered the highest form of giving in Judaism.

This brings me to KIVA, a non-profit microfinance bank that raises money through small gifts to help people invest in family or community enterprises. These are essentially loans, though the donors often reinvest the money back into Kiva. For more on microfinance, click here (http://www.kiva.org/about/microfinance/)

For just $25, you can help a father of four in Tanzania set up a coffee shop, or a woman in India establish a juice bar. It is truly inspiring. Recently, I was invited to two birthday celebrations. The celebrants requested either not to receive gifts, or to donate to a charity in their name. I had a great time investing in Kiva on their behalf.

Maybe we can change the world, one birthday at a time.

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Alon Shalev is the author of The Accidental Activist and A Gardener’s Tale. He is the Executive Director of the San Francisco Hillel Foundation, a non-profit that provides spiritual and social justice opportunities to Jewish students in the Bay Area. More on Alon Shalev at www.alonshalev.com

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