As I watched this delightful video, I wished I could ask the bank manager "How did you like THAT?" Of course, the bank actually had it coming, and a lot of homeowners are totally innocent victims of the banksters. Some call them house-jackers.
To put this topic in perspective, think of the terrible old banker, Mr. Potter, featured in the Christmas classic, "It’s a Wonderful Life." Mr. Potter drove a very hard bargain, but he wanted customers to actually pay off their loans. Keep in mind that Mr. Potter was lending out money at about 2%. If Mr. Potter could have charge as much as many credit card companies, he would want to stretch out his repayment plans. And if he could charge 500%, he might not actually ever want his loans to be repaid. Welcome to the world of payday lending. During the day I work as a consumer lawyer at the Simon Law Firm in St. Louis, Missouri. My firm has filed several class actions again payday lenders based on their outrageous lending practices--on many occasions they systematically ignore the weak state laws that ostensibly regulate their conduct. At my firm, we've met undeniable facts demonstrating that payday lenders make most of their money from people they would term "repeat customers," but these people should more accurately be referred to as people who are trapped in high interest loans or 400% or even 500% interest.
I'll assume that most of DI's readers, like me, hate the celebrity phenomenon of the "famous for being famous". This rising class of psuedo-celebs, the "famesque", are a newish phenomenon who owe their livelihoods to media over-saturation. In a world of thousands of channels and millions of websites, in an economy where celebrity gossip magazines and gossip sites flourish as newspapers decline, there is a consistent demand for fluffy content. The outrageous and fame-hungry, who are willing (it seems) to do anything to garner attention, bloom and profit in such an environment. If you have no standards and no shame, it is relatively easy to make a celebrity career of puff piece interviews and reality TV appearances. Far easier than launching a career based on hard-work, creative production, and talent, anyway. But there is a new subclass of the 'famesque', one far more insidious than the droves of Paris Hiltons and Snookies and Osbornes and Kardashians we all despise and ignore. They are Celebrity Republicans- wannabe politicos who are pundits just for the sake of being pundits. And they are tearing the Republican party and political discourse apart.
I suspect that only a smallish minority of people deeply care about the many dramatic political and legal changes that have been occurring in the United States over the past ten years. Just to make sure, though, I have created a United States Citizen Consent Form and Survey, and I would like to propose that it be distributed to all U.S. citizens and they be compelled to fill it out by federal mandate.
Maybe the results will substantiate my fears that I am an outsider living in what used to be my own country.
The word "retard" possessed dual meanings for a long time. First used as a term for intellectual disability in 1788, the word took on a pejorative sense in the 1970s. For thirty years the two meanings curiously co-existed. Universities had "Mental Retardation and Developmental Disability" Departments and students who drunkenly called one another 'retards' for lobbing bad beer-pong balls, and the two existed in tandem. But once medical and social service experts finally disavowed the word 'retard', it vanished from official usage with amazing swiftness. The Special Olympics ceased using the 'r-word' in 2004, initiating the trend. In 2006, the (former) American Association of Mental Retardation changed its name to the American Association on Intellectual and Developmental Disabilities. By 2008, Special Olympics turned the abolishment of 'retard' into a full-time effort and launched R-word.org. The site protested the derogatory use of 'retard' (including a protest campaign against the 2008 film Tropic Thunder, which featured a lengthy discussion on 'retard' roles in film). Special Olympics and R-word.org also pushed for their fellow disability-service organizations to drop the term. In 2010, 'retard' was legally banished from the professional lexicon. On October 5 of last year, Obama signed "Rosa's Law", which banned the use of "retard" in all federal health, education, and labor policy. "Intellectual disability" and "developmental disability" became the approved nomenclature. Non-federal organizations followed hastily: in Ohio, Google directs you to the "Department of Mental Retardation and Developmental Disabilities", but the website itself has already been scrubbed of the R-word(even if the url still has the dreaded 'r' in it). It's official: 'retard' has no place in formal usage. Once a medical term for someone with an intellectual disability, it lives now only as an insult. One that means, roughly, unintelligent. Like moron, which began as medical terminology for one with a mental age of 8 to 12. Or imbecile, which meant 'a mental age of 6 to 9'.