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Declassify and Tweet the Pee Pee Tapes, NOW! And other related subjects!

Sunday, May 26th, 2019

Ed.Note: We have several communications from members of Bettina Network’s Lifestyle Community which we share with you below. Your feedback is appreciate via email to: bettina-network@comcast.net

Person One:

With all that is going on with declassifying – it is time to release the Pee Pee Tapes. If you have such and/or, in the spirit of the Trump-released-Nancy- Pelosi-distortion-video, you should feel free to creat distortions to show such tapes. It is time for you to tweet them to the world. Trump attempts to create fear because that is his area of substantial vulnerability. Lets turn the tables. Congress can’t do it, but you, individual citizen, can exercise your creativity and let it loose for all to see.

Have I really reached such a low point? Yes! It is time for good people to act. What happened when good people did nothing? Hitler’s Germany happened.

If you receive responses Bettina, we hope you will share them through this blog.

Person Two:

Have you read about Trump and Mnuchin trying to keep Andrew Jackson on the twenty dollar bill? Jackson, the man who was the chief architect of the Trail of Tears, which killed thousands of Native Americans and wrecked the lives of the rest; the man who was responsible for many other such atrocities, who should have been removed from U. S. currency decades ago, but instead is being kept on the $20 bill because of Trump, Mnuchin and their friends seeing him as a better person representing the U. S. history instead of replacing him with a heroine who spent her life helping slaves reach freedom through leading them from their slavery post to freedom; who was a spy for the Union Army saving many lives and helping to save the Union instead of committing treason the way Andrew Jackson did (maybe that is what Mnuchin, Trump and Jackson have in common).

Donald Trump’s need to do such is understandable when you look at his history and his family history – a father who worked with the KKK and as a young man Donald followed his father’s footsteps by refusing to rent apartments he and his father built to any “brown” person and so much more racism that portraying himself as a billionaire helped people around him “forget” or claim not to know.

We can make a response to this racist act of Trump and his administration and Bettina Network’s publications can help. I read and followed your advice on the Wells Fargo boycott. I am still passing that blog around to whoever I reach and with whom I interact. It gave me strength knowing that I am not helpless. It is not much, but please God help me to have the strength to do whatever I can no matter how small.

It is time to support Dano Wall – the artist who created the Harriet Tubman stamp. Whenever you have a $20 bill, before using or spending it put Tubman’s face on that bill. You can read more at including where to buy the stamps.

https://www.usatoday.com/story/news/nation/2019/05/24/harriet-tubman-20-bill-stamp-puts-tubman-face-twenty/1219952001/

If you feel you don’t want to stamp each and every $20 bill you receive with Andrew Jackson on its face, then refuse to accept a $20 bill from anyone – any bank, any store, any person – don’t ever again accept a $20 bill unless it has been stamped with Harriet Tubmans face blotting out Andrew Jackson. I hope Bettina’s will call such a boycott. You have lots of followers and it is time for such to happen. As a member of Bettina Network’s Lifestyle Community I ask that you take this action.

Person Three

Have any of you noticed or have information about the Attorney General appointed by Donald Trump – the illegitimate president of these United States – being in collusion with Pence pushing this anti-abortion movement? With the rumor being that it is in collusion with Opus Dei – a group to whom both Barr and Pence may belong or at least be hangers on at the fringe? It is a long complicated process to become a member of Opus Dei and their political careers would never stand them being outed as a real member.

Do any of you have information about Bill Barr’s connection to Opus Dei? The rumors of a close connection are strong in my part of the world. We have seen several comments and read brief articles from people who claim this new emergence of a very strong move to make a religious belief, anti-abortion, a part of the United States Government structure is only the beginning of having the Opus Dei belief system installed as the belief system of the United States.

There are many reasons to impeach both Barr and Pence. With Barr, allegedly aligned with a group to infiltrate and bring about its goals through using and changing the U. S. Government structures ought to be number one. I might not know how to phrase this, but it is quite serious if we have a man who is called Attorney General of these United States and is using the powers of that office having been illegitimately appointed to bring about a Catholic fringe group’s goals using this country – wiping out the constitutional separation of church and state.

Opus Dei is not like the Jesuits. It has members who do some really strange things including physical atrocities to achieve their goals – some self-inflicted atrocities including mortification of the flesh – and other really gross ways of being in community. It is a secretive organization with strict requirements for membership.

Anti-abortion is one of their biggies and the way this is coming about in the United States with the draconian laws being passed screams of Opus Dei, especially with Barr in the picture and when you outline those involved in this new part of the anti-abortion movement, which is draconian, you see the hand of the Opus Dei movement all over it. The power that Barr is now able to exercise and the recent additions to that power given to him by Trump he can use to bring about a Spanish style 2019 inquisition in these United States.

Please note that these new anti-abortion laws have things like jail and execution for those who perform abortions on women and it will get worse before it gets better.

And also note that Pence’s strangeness about women – not meeting with a woman without his wife present, etc. goes right into the Opus Dei model. Pence claims that as adhering to the Billy Graham rule, in which husbands avoid spending time alone with women to whom they are not married, however, the way he practices it better fits the Opus Dei model.

Please don’t dismiss this as craziness nor as a conspiracy theory. It is real and the planning for worse is being done today. William Barr is up to his neck in this and he has helpers. Pence is also involved in a very quiet outside the spotlight way.

With a man who calls himself “President of the United States” – like Donald Trump, the door to the country is thrown wide open for people and groups to enter and wreck all kinds of havoc, as we have seen with the Russian interference in the 2019 election.

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If you prefer your gift go to the Foundation, make your check payable to Bettina Network Foundation, inc. The money we receive for the Foundation currently is going to support the Wells Fargo Boycott.

_________________________________________________________

Want to join us? Have a home that you want to open to become one of Bettina Network’s Hedge Schools? Call us and lets talk – or email us.

Ed. Note: Members of the Bettina Network Lifestyle Community can contribute to the Bettina Network Blog whenever they have anything they want to say and be heard by this fantastic group of people. Send your blog to bettinanetwork@comcast.net or mail it to us at P. O. Box 380585 Cambridge, MA. 02238 or call us on the telephone at 617-497-9166 to tell us what you want to say and we will write it for you.

Volunteer with Bettina Network Foundation, inc. to work estate sales; to help move items from one home to another; to contribute your ideas on how we can better use our resources in this effort to relieve and eliminate homelessness and poverty. We also need photographers; designers; and more. However much or little time you have, we are grateful.

Send your event information to be included in Bettina Network’s Menu of Events to: bettina-network@comcast.net

This is a curated blog so you cannot write your responses at the end of each entry. TO RESPOND TO THIS BLOG email bettina-network@comcast.net or info@bettina-network.com

TO LEARN MORE try www.bettina-network.co













Mafia Speak: The necessity for loyalty within Trump’s circle: The fast moving growth of a mafia within the U. S. Government!

Sunday, March 10th, 2019

We complain about the rapid accumulation of 99% of the wealth within the United States economic system being available to only 1% of the population and we talk about Capitalism to Socialism to Fascism, but we don’t get into the particulars of how that is happening.

Clearly, if we did not have a mafia within the U. S. Economic System trying to take over we would not have a billionaire class. We have a very thriving Billionaire Class structure which is growing dramatically fast and dictating who will and who will not join them.

The kind of investment needed to create such a group; the “loyalty” demanded to keep it going and growing; the flagrant violations of the U. S. Constitution to keep the way clear for the mafia structures needed to replace the structures sustaining the U. S. Republi; the pressures to give up the Republic and take instead the structure of the more fascist-authoritarian governmental structures necessary have taken time and several administrations. With the Trump Administration we have finally arrived at that point where it becomes clear that we are barreling ahead into a government which is fast becoming a criminal enterprise headed by a man whose privately owned company could best be described as a RICO organization.

There have been many examples along the way, but the press has either been reluctant to make the call and do the investigative reporting to bring to the public the structures within which they are now living or they do not know and only see such things in the rear view mirror. And that makes sense since the role of the press is to report the news – to report what has happened.

The examples are becoming increasingly ‘in your face’ and they are being immediately ‘normalized’ as just the way we function today.

The latest example was extraordinarily blatant – and that was the sentencing of Manafort. It was an incredible example of “Mafia Speak” – right out front expecting the public and press to gloss over what was done.

A Prelude to the First Mafia Speak: (Setting the stage)

In the context of the original trial, Judge Ellis attacked one of the witnesses – Rick Gates – by testifying instead of maintaining himself as the judge – “…Manafort could not have been paying that much attention to what you (Gates) were doing. If so, he (Manafort) would have known how much money you were stealing from him.” That comment was apparently an attempt to turn the original trial, as much as possible, away from Manafort – to give him some breathing room and allow any juror listening to be persuaded in Manafort’s favor. That said there is Mafia Speak coming.

First Mafia Speak:

  1. The judge said – right before pronouncing the sentence on Paul Manafort – “You are not before this Court for anything having to do with colluding with the Russian government to influence this election.”

That was a very strange comment for a judge to make. Normally, a judge stays within the confines of the hearing in front of him, he does not wander off as Judge T. S. Ellis did to an unrelated and totally out of context comment which he apparently had a specific reason for doing. That reason became clear as the day progressed. Judge Ellis set up what followed and allowed the mafia “Don” to make his point later in the day for the public to be brought along in the way he wanted the public to go. The “Don” said he was “honored” by his people.

Second Mafia Speak:

2. After the hearing and sentencing when Paul Manafort’s attorney, Kevin Downing, went to the microphones outside the courthouse to say a few words to the reporters gathered outside, he said: “There is absolutely no evidence that Paul Manafort was involved with any collusion with any government official from Russia.”

Interesting in his comments, they were also outside of what the hearing was about. In addition, both the judge and attorney, who are professionals in the law and who know there is no legal term such as “collusion” – it is Donald Trump’s favorite way to characterize the special counsel’s investigation – Attorney Downing’s comments as well as Judge Ellis’ comments began to sound like “Mafia Speak” – things said at the direction of the mafia boss ‘ Donald Trump.

Reason for the First and Second “Mafia Speak” comments:

3. To close the circle and bring it around to why the Judge and Attorney made those statements, which stood out because of their inappropriateness and un-attachment to the hearing and sentencing – later in the day, Donald Trump made comments about the hearing and sentencing when Reporters shouted questions to him at the White House.

Donald Trump’s comments were “I just want to tell you that his (Manafort”s) lawyer went out of his way actually to make a statement last night, no collusion”. “The judge, for whatever reason, I was very honored by it, also made the statement that this had nothing to do with collusion with Russia.”

The mafia don then completes the circle by coming out with what was supposed to be the denouement comment – the reason for the first and second “Mafia Speak” comments. The three of them – the Judge, who set the table, the Attorney, who brought the food to the table and Trump who sat down to eat what was being served to him, let his capo’s know they had done a great job by commenting on his feelings of being ‘honored’ by what had just been done for him. And clearly, Trump had paid for the table and its settings; the food on the table and was going to enjoy his meal knowing that mafia type loyalty still existed within his organization and with his ‘people.’ That is what James Comey missed in why Trump was asking for “loyalty” from him. Every mafia boss has to know that kind of loyalty is crucial because of the way they operate and the necessity for cover when the circumstances call for it.

That type of mafia control is spreading within the U. S. Government and will be hard to extinguish even after Trump is gone. That mafia structure became very clear to us as we looked at Wells Fargo and tried to decide if we should get involved with a boycott against them.

This is what is happening to your government, America. This is what has happened and continues to happen in your Court System. This is why McConnell has so much power – he is the one making this scenario possible so members of this mafia can function without too many repercussions until the society is better controlled by their mafia governing structure.

Even the seemingly innocuous language is telling. After the judge and attorney went out on a limb for Trump – he thanks them publicly and in the way of the mafia he was “honored by it.”

And now kiss the ring!

________________________________________

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Or you can send a check to Bettina Network, inc. P. O. Box 380585 Cambridge, MA. 02238 to support this blog! Please make your check out to “Bettina Network, inc.” since the blog income is not the foundation income.

If you prefer your gift go to the Foundation, make your check payable to Bettina Network Foundation, inc. The money we receive for the Foundation currently is going to support the Wells Fargo Boycott.

_________________________________________________________

Want to join us? Have a home that you want to open to become one of Bettina Network’s Hedge Schools? Call us and lets talk – or email us.

Ed. Note: Members of the Bettina Network Lifestyle Community can contribute to the Bettina Network Blog whenever they have anything they want to say and be heard by this fantastic group of people. Send your blog to bettinanetwork@comcast.net or mail it to us at P. O. Box 380585 Cambridge, MA. 02238 or call us on the telephone at 617-497-9166 to tell us what you want to say and we will write it for you.

Volunteer with Bettina Network Foundation, inc. to work estate sales; to help move items from one home to another; to contribute your ideas on how we can better use our resources in this effort to relieve and eliminate homelessness and poverty. We also need photographers; designers; and more. However much or little time you have, we are grateful.

Send your event information to be included in Bettina Network’s Menu of Events to: bettina-network@comcast.net

This is a curated blog so you cannot write your responses at the end of each entry. TO RESPOND TO THIS BLOG email bettina-network@comcast.net or info@bettina-network.com

TO LEARN MORE try www.bettina-network.co


Bettina Oracle Speaks

Tuesday, January 29th, 2019

The end of Donald Trump: Illegitimate President of the United States

You folks need to stop bothering me and take care of your business. If you don’t, the next generation will simply have to repeat this scenario which has been repeated for generations without resolving anything. Learn a bit of history, your own history and you will be appalled at what you see – if you have any goodness left in your genes.

You are riddled with liars, murderers covering for each other, persecutions of innocent children, and so much more. The Jews of Hitlers Germany have been replaced by the Children of the United States who are being slaughtered with guns in your streets and in their schools and the Children of Immigrants, who are being put in Concentration Camps and are now being murdered. Those children who have have come to your country – some with their parents, some without – seeking asylum and refuge from so much evil. Their skin is brown and black and your bigotry won’t allow for that. Too many such colors in these United States already.

You need to be full of integrity, good character, working to eliminate poverty, homelessness, BIGOTRY – which is the genesis of all of your society’s ills. You need to stop allowing the likes of Donald Trump who is taking from his evil twins in history and ripping children from their parents; making slaves of those in prison who have suffered under massive incarcerations to do the bidding of the evil institutions in this world of yours and so much more. And no, Trump did not start all of this, but he is the inheritor and chief propagator of the evil coming through today. And to end this, all it takes is moral courage and who amongst you has that? You are all called, but who amongst you answers the call? This is still happening today after thousands of years of such history because only a few answer the call. The rest of you raise up those few and feel that your work is done because of that raising up and acknowledging those heroes. Interestingly, your heroes are never raised up in their own generation. That happens only after they are safely dead.

OK! So you want to know what is happening?

Roger Stone was indicted – did you notice how swift that happened with all of the charges against him not in that court document of indictment? Have you noticed the rumblings of major change? Are you beginning to hear many voices raised to call out the evil? Evil doubles down when those rumblings start.

What do we see: We see Whitaker having stopped the Mueller investigation by declaring to them they will not be allowed any more indictments. Stone is the last and he slipped through by a fluke. No indictments allowed against Donald Trump, against Jr., against Jared Kushner, against Steve Bannon, against Ivanka Trump, against Eric Trump.

Mueller can’t step up to the microphone to tell you this. There are enough bread crumbs along the way, however, for you to see this yourselves.

All of this must be settled and ended before or shortly after Barr takes on the post of Attorney General. He will clear Trump using the foundation set by Whitaker, a man who has been promised much, but who will be dumped on and pushed aside after his work is done – without his promised rewards. If he is lucky, he will leave with a loaf of bread, but no butter. Maybe as he sees his expectations so dashed he will step up to the moral plate and attempt to bring about something else – but he does not look like a soul who is destined to be a great hero.

All bets, in your society, are on the Democrats coming through in 2020 and taking over the government so the United States does not have to step up to the plate and deal with its sins. That is the way taken by lazy souls who want, but don’t want to give or risk. Cover-up is whats going on. Isn’t that what went on with Nixon? And his sins don’t begin to compare to the Trump Family Criminal Enterprise. Didn’t the Trump followers just blatantly take the sanctions from one of the wealthy, prominent Russians in their last days? And who will go against that and set it right? No one, so far.

What always amazes me is the ability of human beings to see themselves as ‘different from’, better than, – Trump may have treated those others badly, but I am going to be treated differently. All of my dreams will be realized because Trump promised me that…………..

And Khashoggi? Does Trump walk away having done a major work in covering up and taking the Saudi prince out of the spotlight? Did that give you a peep under the rug to see who is really working the gears and producing the results? It is definitely not Putin, although all media has anointed him as the one to whom Trump is beholden.

Trump and Putin are beholden to a mafioso who is so big in this world he makes the Italians look like thugs on the street and the Irish not far behind and lets not even begin to talk about the African American and other mafia.

You are going to be witnesses to how the clean-up ends. You can watch it with clear eyes or you can let the mythology replace reality. What mythology? That which was put into place to insure the rich get richer; the evil don’t pay; the thugs realign and move off into the sunset with new partners to get richer in tomorrows world. And the rest of you? Passing your lack of moral courage on to your next generation to preserve them in that struggling middle to upper middle class so they can pass the lack of moral courage you inherited on for many more generations.

So you asked – so I’ve said!

_______________________________________________________

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__________________________________________________________

Want to join us? Have a home that you want to open to become one of Bettina Network’s Hedge Schools? Call us and lets talk – or email us.

Ed. Note: Members of the Bettina Network Lifestyle Community can contribute to the Bettina Network Blog whenever they have anything they want to say and be heard by this fantastic group of people. Send your blog to bettinanetwork@comcast.net or mail it to us at P. O. Box 380585 Cambridge, MA. 02238 or call us on the telephone at 617-497-9166 to tell us what you want to say and we will write it for you.

Volunteer with Bettina Network Foundation, inc. to work estate sales; to help move items from one home to another; to contribute your ideas on how we can better use our resources in this effort to relieve and eliminate homelessness and poverty. We also need photographers; designers; and more. However much or little time you have, we are grateful.

Send your event information to be included in Bettina Network’s Menu of Events to: bettina-network@comcast.net

This is a curated blog so you cannot write your responses at the end of each entry. TO RESPOND TO THIS BLOG email bettina-network@comcast.net or info@bettina-network.com

TO LEARN MORE try www.bettina-network.com

_________________________________________________________

Boycott Wells Fargo!

Monday, January 21st, 2019

Close your savings account! Close your checking account – or move it elsewhere! Any other accounts? Close them all – or work to have them moved to another bank. Choose carefully when moving to another bank. Make sure you are on solid ground, however, and your new bank is interested in you as a customer and is not about to cheat you.

One way you are cheated ‘big time’:

Banks involvement in REAL ESTATE TAXES:

Did you know your home can be foreclosed when you have paid your mortgage up to date – principal and interest? HOW? Real estate taxes. Wells Fargo insists on adding the collection of real estate taxes on your home to your mortgage payment. Even if you did not have that agreement going into the mortgage they can add your taxes to your mortgage payment anytime and without any reason – at least that is their claim.

On information and belief, we find it is possible they will do those things if one of their investors or others wants your house. In that case, it is helpful to slam you around a bit so they can weaken you financially and come after the house. Generally one with lots of equity. Notice how free are homes mired in more bank mortgage than worth of house. Once upon a time all houses were fair game because greed was rampant and banks thought they could turn a profit no matter what. Isn’t that was the last serious depression was all about? Banks running rampant trying to set people up so foreclosure was easy and banks could use that route as one way of making billions?

How ridiculous is it to foreclose on a house when what banks claim as monies that have not been paid and which they claim as overdue, justifying the foreclosure actually are not due? it is monies they can also charge fees upon if not paid in what the bank claims is a timely fashion, even though the overdue amounts generating those bank fees and penalties are actually not due when the banks add those fees and penalties to amounts owed?

Banks are not the aggrieved party in real estate tax charges. They do not decide how much your real state taxes will be (well, maybe not directly). They try to collect six months in advance of the due date so they can hold that money in the bank and have it work for the bank into the billions of dollars and if you do not pay six months in advance of the date the taxes are due the bank reserves the right to collect by foreclosing on your property. You can check that out by going over records of foreclosed properties. It is a shock to see how many people lost their homes to banks because of unpaid real estate taxes which were not due, even at the time of the foreclosure.

Most amazingly, that money – not due for six months, sits in the bank and works for the bank not the agency which would be owed the taxes in six months and which should have the sole authority to foreclose or lien the taxes onto the property.

Isn’t that also the reason why conservative judges are so important? People who would rule against you in Court because you have not paid what you did not owe and especially what was not overdue and unpaid – simply not yet due? Wouldn’t they be the judges most likely to acquiesce and add to monies due the bank from your property because they are fees charged by banks levied against you because you have not paid what is not yet due?

Appointing super conservative judges is crucial to maintaining the most inhumane parts of an inhumane society.

Capitalism

One basic assumption about this economy is that we are functioning under capitalism. However, that is definitely not true. One cannot have a capitalistic economy where the society actively practices sexism. racism or any other kind of bigotry. That by itself eliminates the possibility that an economic system structured to claim to call itself Capitalism is flying under a false flag and needs to redefine what it actually is? Some bizarre system can be established to try to tweak, change, camouflage what it really is while proclaiming it is a capitalistic system, but actually it is not – by definition.

Ed. Note: Just a few comments from Bettina Network Lifestyle Members which we found intriguing. Feel free to add to their analysis.

____________________________________________

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Project 1 – Estate Sales after the Sale

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__________________________________________________________

Want to join us? Have a home that you want to open to become one of Bettina Network’s Hedge Schools? Call us and lets talk – or email us.

Ed. Note: Members of the Bettina Network Lifestyle Community can contribute to the Bettina Network Blog whenever they have anything they want to say and be heard by this fantastic group of people. Send your blog to bettinanetwork@comcast.net or mail it to us at P. O. Box 380585 Cambridge, MA. 02238 or call us on the telephone at 617-497-9166 to tell us what you want to say and we will write it for you.

Volunteer with Bettina Network Foundation, inc. to work estate sales; to help move items from one home to another; to contribute your ideas on how we can better use our resources in this effort to relieve and eliminate homelessness and poverty. We also need photographers; designers; and more. However much or little time you have, we are grateful.

Send your event information to be included in Bettina Network’s Menu of Events to: bettina-network@comcast.net

This is a curated blog so you cannot write your responses at the end of each entry. TO RESPOND TO THIS BLOG email bettina-network@comcast.net or info@bettina-network.com

TO LEARN MORE try www.bettina-network.com

Homelessness – What Causes It?

Friday, January 4th, 2019

We have been studying this for years.  I can remember a time when there didn’t seem to be homelessness.  At least it was so carefully hidden most of us were not aware of anything except the romantic tale of the hobo who couldn’t live in a house – did not want to be closed in, but spent his life riding the freight trains from one place to another.  Little did we know that was real, except for the part about the hobo not wanting to live in a house and wanting to spend his life riding freight trains, cooking over fires he made from whatever he could gather that would burn, freezing to death along the railroad tracks, etc.  He was pictured in movies and other media as a happy camper living this life. There was usually happy music in the background when talking about such.

That was and is an extremely painful way to live and not one lived that way by choice.  What was also carefully hidden from John and Jane Q. Public was the fact that the hobo was the hobo he and some were the hobo she.    

I have always asked – why would a seemingly wealthy society allow such within its borders?  I have no answer.

Homelessness is caused by banks.  Oh, Wow!  I can hear the screams, objections and denials.  You can hem and haw.  You can object and protest.  When you sit down, clear your head and do the work and the investigation you will discover HOMELESSNESS IS INDEED CAUSED BY BANKS.

Within the bank, accountants and others sit and get paid to figure out ways banks can make more money at the expense of the middle class.  Sometimes banks hire consultants – usually outside accountants to do the same thing. “How can we charge for  services we don’t render.  How can we increase what we make on services we do render.”

Well lets take this one profit making pocket at a time.   What is the number one way banks cause homelessness?  House foreclosures.  How does that make so much money for banks?  

The fastest way banks cause homelessness and increase their profits exponentially in the process is through their ability to collect the real estate taxes (RET) levied on John and Jane Q. Public, by the government.  

Cities and other governmental entities are supposed to levy and collect their own real estate taxes.  In fact, that has been turned over to banks to do and it is done by banks in such a way that hundreds of billions of dollars flow into banks from this function.  Bank charges to city entities; fees of all kind levied on home owners for many reasons, etc. It is one of the reasons we have such huge banks and why it is difficult to impossible for the smaller banks to grow at the rapid rate seen in the larger banks.  

If you take out a mortgage with a bank – you most likely have to agree to paying your real estate taxes directly to them instead of to the city or other governmental entity.  Those RET are kept within the bank for at least six months doing nothing except making money and being used by the bank.  That is an amount of money the bank can “bank” on receiving and when and know it will be received with regularity and they know how long it will be in the bank.   From that they can plan how to use that money to increase their profits exponentially because you can’t come to withdraw any of that money, it has to stay put for the requisite period of time and when it has to be turned over it will have been a work horse for the time it stayed.  But – you should say – that money should be a work horse for the governmental entity to which the real estate taxes are owed.  

Look at how much better that money would work for you and me instead of being used to work against you and me keeping us poor or with a glass money ceiling over our heads. How did this happen?

This is one answer to the question – “How did banks grow so big!”  How come they have so much money!  Why are they so arrogant, independent, can be ugly to their own customers and still grow and stay in business. How can they throw so much money around (not the least of which is throwing it around political campaigns to keep the politicians beholden to them). This is one of the ways banks have grown so very large and are awash in hundreds of billions of dollars and it is a biggie.  It is also one of the ways banks promote foreclosure. – It is one of the ways they become the largest promoter of homelessness in this society.

 Homelessness is not about mental institutions which put its patients out on the street for lack of money to sustain, treat and cure them where possible? That is the marketing/advertising campaigns that are out there to mislead us all.  NO! Susie.  It is not.  That is and was a smoke screen.  Homelessness can be traced directly back to banks as its beginnings and root cause.  And, banks are a causer of homelessness dates back beyond the founding of these United States.  Banks have had this role for eons of time.

There is no reason for banks to collect real estate taxes on houses.  The taxes have work to do taking care of different needs of the people who pay the taxes.  If your real estate taxes must sit for six months in a bank – having been paid some six months before they are due so the bank can have that bit of huge money inflow to help it grow ‘big time’, that is a ‘big time’ problem for the people for whom those funds should be working.

The money paid to banks far in advance of when the city says they are due should actually be working to gain more income for you or for the city – if indeed it is not obscene and a violation of your rights to make such a requirement.  In fact, almost all of the real estate monies are collected in this country by banks; sit in the bank working very hard for the bank; and earning untold billions to help grow that banks strength and reach into the community.

Many games are played around real estate taxes and banks.  We, the tax payer,  assumes the present system is the way it should be and we go along with the program – much to our detriment.  We make that assumption because we don’t think of ourselves and our rights. We accept what is, if it is dressed up in Patrician clothes and exhibits the mores of a Patrician class.

Banks collect RET (Real Estate Taxes) on a monthly basis from people who acquire mortgages from them.  The people must then repay the mortgage, usually monthly,  along with 1/12 of that years real estate taxes each and every month.  The bank keeps that money and uses it because real estate taxes are usually only paid by the bank to the city every six months.  The average mortgage holder much pay their real estate taxes monthly and six months in advance of their being due. 

This is an inviolable thing.  No one questions it – and it goes so unquestioned that banks can foreclose and they do foreclose on homes and families even if the mortgage is paid in full each month.  If the real estate taxes are not paid six months in advance the foreclosure happens – not by the city because it does not see taxes owed by citizens and does not foreclose if a citizen misses one six month period of paying taxes, but the bank does this on a regular basis.  Claiming a person is behind in their mortgage even though that is not true and even though the taxes – which they are behind in paying – are taxes, amounts of money, not due for another month or two.

To put that in its proper context. Banks make substantial sums of money on funds that stay in the bank overnight. And they maximize that in every way possible. These are funds that stay in the bank for six months, definite, not able to be withdrawn, tied up in the bank no matter what. Imagine the money made on that. The bank pays a very small amount of “interest” to the mortgage holder on their “escrowed real estate taxes” – minuscule to the amount it is making on those funds.

When that happens – add a little push to get the family headed into financial problems which results in the house being foreclosed, and banks have been known to do this frequently.  Add a minority to whom the bank has given a mortgage; add a minority who has somehow skipped past the banks red-lining policy; add to that a property which has a very small mortgage compared to the large equity position of the property owner – no matter the race, color, class, ethnic origin, religion of the property owner and, in a bank with lousy ethics which is or is bordering on becoming a criminal enterprise, another game usually moves hand in glove with the real estate taxes game.

Banks have been known to target families where there is a large gap between the value of the house and the balance of the mortgage.  When a person has a small mortgage and a large equity position they are sitting ducks for a bank to salivate over future profits.

That was out of control during the last recession and banks were so overcome running where their greed pushed them that our banking system almost collapsed.  Their greed overcame their ability to function any other way.  Many bankers and realtors became wealthy with such a scheme – one amongst many.  Many individuals faced poverty, bankruptcy, homelessness – especially homelessness.

 More on this story in another blog.  Maybe even a few real life stories!

__________________________________________________

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Project 1 – Estate Sales after the Sale

Project 2 – Wells Fargo Boycott

__________________________________________________________

Want to join us? Have a home that you want to open to become one of Bettina Network’s Hedge Schools? Call us and lets talk – or email us.

Ed. Note: Members of the Bettina Network Lifestyle Community can contribute to the Bettina Network Blog whenever they have anything they want to say and be heard by this fantastic group of people. Send your blog to bettinanetwork@comcast.net or mail it to us at P. O. Box 380585 Cambridge, MA. 02238 or call us on the telephone at 617-497-9166 to tell us what you want to say and we will write it for you.

Volunteer with Bettina Network Foundation, inc. to work estate sales; to help move items from one home to another; to contribute your ideas on how we can better use our resources in this effort to relieve and eliminate homelessness and poverty. We also need photographers; designers; and more. However much or little time you have, we are grateful.

Send your event information to be included in Bettina Network’s Menu of Events to: bettina-network@comcast.net

This is a curated blog so you cannot write your responses at the end of each entry. TO RESPOND TO THIS BLOG email bettina-network@comcast.net or info@bettina-network.com

TO LEARN MORE try www.bettina-network.com

Wells Fargo Boycott – Recorded Phone Calls

Saturday, December 29th, 2018

In another Bettina Network article on the Wells Fargo Boycott was the suggestion that when Wells Fargo calls and the person on the line says they are recording this call, that article made the suggestion that you also record the call and let the caller know they are being recorded as well.

What generally happens is that the Wells Fargo employee will refuse to continue speaking to you.  

It is clear why Wells Fargo would want to record their employees telephone calls to their clients, but we did not understand why Wells Fargo employees would refuse to talk if you recorded the telephone call as well.  Now we do!

Having done a substantial amount of research, we have discovered the reason.  Most times, with such phone calls it is about intimidation and a very ugly person on the other end of the call.  We heard about name calling, abusive treatment, threats, and more as the call progresses and that is the Wells Fargo person speaking to Wells Fargo customers.  Usually those who have loans, mortgages or some kind of indebtedness in which they have fallen behind.  

As we did our research that is what we found.  The calls we were able to listen in on, it was startling to hear the heavy, unnecessary abuse happening.  Several people who allowed us to hear their calls started off strong and wound up, after the call, in tears feeling embarrassed and ashamed even though they knew what was coming.  The emotional trauma that people are put through was heartbreaking.  

Whatever the reason, nothing justifies that kind of abuse to anyone.  We are all human beings and sometimes life gets difficult.  The number of people being the type of person some Wells Fargo employees described during those abusive phone calls are miniscule.  I cannot imagine being afraid to answer your telephone because the next call might be Wells Fargo being at its worst and most abusive.  Most people pay their bills. When life gets tough, people will do their best to figure out how to catch up and continue paying their bills.  Abuse simply destroys the person with problems.

These practices need to stop.  Mutual respect should never go out the window with a corporation or anyone else allowing and apparently encouraging abuse as a policy?  I can’t imagine employees carrying on so badly on the telephone unless they knew it was company policy and they would not lose their jobs because of such horrendous treatment of a customer.  So we repeat – close those savings accounts; cancel those checking accounts; move your mortgage to another bank; any other loans do your best to move them elsewhere and in any other way with any other services you are receiving from Wells Fargo for which you pay money – cancel, move, change.

________________________________________________________

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Project 1 – Estate Sales after the Sale

Project 2 – Wells Fargo Boycott

__________________________________________________________

Want to join us? Have a home that you want to open to become one of Bettina Network’s Hedge Schools? Call us and lets talk – or email us.

Ed. Note: Members of the Bettina Network Lifestyle Community can contribute to the Bettina Network Blog whenever they have anything they want to say and be heard by this fantastic group of people. Send your blog to bettinanetwork@comcast.net or mail it to us at P. O. Box 380585 Cambridge, MA. 02238 or call us on the telephone at 617-497-9166 to tell us what you want to say and we will write it for you.

Volunteer with Bettina Network Foundation, inc. to work estate sales; to help move items from one home to another; to contribute your ideas on how we can better use our resources in this effort to relieve and eliminate homelessness and poverty. We also need photographers; designers; and more. However much or little time you have, we are grateful.

Send your event information to be included in Bettina Network’s Menu of Events to: bettina-network@comcast.net

This is a curated blog so you cannot write your responses at the end of each entry. TO RESPOND TO THIS BLOG email bettina-network@comcast.net or info@bettina-network.com

TO LEARN MORE try www.bettina-network.com

The Underbelly of Mortgage Foreclosures #WellsFargo

Sunday, December 16th, 2018

We are drowning in the number of people who have contacted us.  In the process we discovered lots of information we did not have before.  Their experiences are eerily similar.

We said in another articles on Wells Fargo Boycott to always have a recording device close to your telephone and when talking to banks, etc. who say to you “we are recording this conversation” .  We knew why from a legal point of view.  If someone wants to record the conversation, you should always be able to record the same conversation because something is not quite kosher, especially if they will not talk to you if you say you will record the conversation because you want a record to be able to produce in case their recording comes up defective, saying something that wasn’t said in that conversation.  

So many people have talked to us about how vicious the people, who worked for Wells Fargo and other banks and who called to talk to them when their homes were in foreclosure or going into foreclosure. Or who talked to them when they called about the same issue.  

What all of this reminds us of is the way immigrants are being treated on the border.  In this society we have wonderful people.  We also have those who would pour out water caring people put out so those in the dessert trying to cross would not die of dehydration.  Those same kind of people, working for banks,  are vicious when talking to people at the very stressful time of seeing their home – probably their only asset – in the process of being lost to them.  

At some point, this society considers you sub-human.  That seems to be when you are at a point where billions are about to be made and you are one who is going to help them make it – at your personal, life-draining expense.  You become something other than human.  PLEASE always have a recorder.  There is no reason to endure the kind of abuse about which we are hearing.  The names called – the extreme bullying – the attempts to destroy a persons self-worth.  We are not sure what that does in this foreclosure process, but it is common.  If you have a recorder and can record the other side of the conversation you have a record as to how you were and are treated.

What we also have discovered is the process by which billions are made by banks and the billionaires on the backs of the people who are going through a bit of hell.  No one purposely lets their homes go into foreclosure.  That happens when other things are going wrong.  When it happens the bank foreclosures contribute substantially to the homelessness in this society.

Once your home is foreclosed the bidding process happens.  Some homes, which are not worth a lot will be put on the side.  Those which have a substantial net worth between the mortgage owed the bank and the retail value of the house.  Those are the homes which cause all those involved to drool and their evil side to emerge.  

The house is foreclosed and sold at auction.  That kind of aution process seems to have been designed to keep the price down – substantially below the retail value of the house.  Homes found worthy are purchased by speculators who then turn around and almost immediately put the house on the market again and make substantial amounts of money.  In some cases they split the money with those who made such a purchase possible. And we mean those who harassed; set problems in front of the homeowner designed to move them along to failure so they would fall into foreclosure; to do whatever they can to see that a person in such a position who is not a part of “their group” fails and they are able to gain the house.

We have talked to people who were pushed into foreclosure by having one problem after another hit them until they just could not cope and in the process lost their home and everything else they worked hard to acquire over decades.  Those are the ones where the house is sold at auction and the difference between that and the retail value makes lots of money for the sharks on the look out for such possibilities.

Beating down the home owners with those telephone calls helps to make the transfer and large profits possible.  How much bullying can people take when they are already in a dire situation.

Wells Fargo seems to be the current champion at this.  The worse we heard was from many of the people who lost their home because of an accounting error on the part of Wells Fargo.  The helplessness we heard described as the home owner knew they should not be in that position and knew their home should not be foreclosed – and hired an attorney who they thought was more interested in keeping a good relationship with Wells Fargo than taking care of their interest, so all was lost.

They watched and experienced knowing they were being beat down with the phone calls; beat further down with the helplessness of their situation and today seeing that they were right.  They should not have been in the  position of having lost their home.  They also watched as their home was sold twice.  Once at the auction – and they knew the retail value was much higher than the selling price especially since only one person was bidding and that person bid only slightly above the mortgage.  And to make things worse, their mortgage balance was only a fraction of the total value of the house.  They then had to watch while their house was flipped almost immediately.  they got to watch the person who bought at auction their homes which should not have gone into foreclosure in the first place, come out with over $500,000 in a very short period of time while they had to find a place to live and in that process wound up homeless for about 3 months.

How can this happen in what is supposed to be a caring republic?  When we see people with lots of money gained from such transactions we wonder what can we do?  We will ask you – what can you do?  We need to be a society organized to stop such things and to make people experiencing them whole – without making them go through years in Court with most not being able to go through those years in Court because they don’t have the money, emotional resources or any of the other things needed to go after a Wells Fargo.  Wells Fargo needs to examine its books and history and go through making whole everyone from whom they stole.  There are people working for Wells Fargo who knew this was a problem and foreclosures were happening without cause and because of a Wells Fargo created problem.  If those people did not stand up to say that – and they did not – then their jobs need to be on the line and they need to go someplace for a learning time to be able to see who they are and what they are about in stark terms.

Meanwhile – one thing you can do is BOYCOTT WELLS FARGO – one of the most egregious of this group.  Cancel your savings account.  Cancel your checking account.  Cancel all of your accounts with Wells Fargo and take your business elsewhere.  Let them know what you think.  TAKE ACTION!

We also discovered the wicked game played with real estate taxes.  That we will save until we have done more research. You really have to go through some of this horribleness to understand what is happening and has happened for quite a long time in this society.  We turn a blind eye and ear and heart, but it is time to bring about change with a system that is humane.  Actually humane.  Not one that simply claims to be this great forward moving society which is destroying and leeching off its citizens.  Real Estate taxes are not benefitting the government entities claiming to collect them and billions of your tax dollars are going into the banks to promote and sustain and create profit for the billionaire group.  It is very effective in doing that and no one says a peep about any of it.

WE are looking for people and organizations who want to join this BOYCOTT.  Please contact us with your interest.  We are also looking for contributions of money to help us move this ahead.  Every step we take we have been met with blockages we have had to navigate around.  The latest was Facebook first accepting an advertisement to circulate news of this boycott and then after a few days cancelling the advertisement Their reason follows:

“This ad isn’t running because it looks like it is for housing, employment, or credit opportunities; or you’ve included a multicultural affinity segment in your audience. These types of practices can alienate certain users, and goes against our core value of fostering a positive global community.”

We are not giving up.  Everyone who knows us knows we will be here until we have accomplished our goal of bringing about a positive change in this society to the benefit of all.

We need a kinder, gentler society.  Not a society which takes steps forward and just when you think we are moving ahead someone like Donald Trump is put in as president by forces out of the voting citizens’ of this country’s control.  And we are back fighting as hard as we have in the past just to bring things up to where we were a generation ago.  This is very wrong.  Spend your time and resources fighting for basic change for a better America.

______________________________________________

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{amount} donation plus {fee_amount} to help cover fees.

Project 1 – Estate Sales after the Sale

Project 2 – Wells Fargo Boycott

________________________________________

Want to join us? Have a home that you want to open to become one of Bettina Network’s Hedge Schools? Call us and lets talk – or email us.

Ed. Note: Members of the Bettina Network Lifestyle Community can contribute to the Bettina Network Blog whenever they have anything they want to say and be heard by this fantastic group of people. Send your blog to bettinanetwork@comcast.net or mail it to us at P. O. Box 380585 Cambridge, MA. 02238 or call us on the telephone at 617-497-9166 to tell us what you want to say and we will write it for you.

Volunteer with Bettina Network Foundation, inc. to work estate sales; to help move items from one home to another; to contribute your ideas on how we can better use our resources in this effort to relieve and eliminate homelessness and poverty. We also need photographers; designers; and more. However much or little time you have, we are grateful.

Send your event information to be included in Bettina Network’s Menu of Events to: bettina-network@comcast.net

This is a curated blog so you cannot write your responses at the end of each entry. TO RESPOND TO THIS BLOG email bettina-network@comcast.net or info@bettina-network.com

TO LEARN MORE try www.bettina-network.com

Wells Fargo Boycott – Yet Another Story of Financial Rape!

Saturday, December 8th, 2018

#WellsFargoBoycott     #WellsFargo

What follows was taken from Bess Levin at Vanity Fair<bess_levin@condenast.com>  It is a newsletter to which you can subscribe and we suggest you do – it is very good and timely and thoroughly researched.

Remember – Call all of your friends, neighbors, colleagues, acquaintances and tell them about this Wells Fargo Boycott.  Cancel your savings account and let Wells Fargo know why.  Let them know you will not do business with them.  Cancel your checking account.  Cancel your investment accounts and any other accounts you have with Wells Fargo.  Nothing else has caused them to change.  There have been hundreds of law suits filed against them.  They have changed management and put out marketing claiming they are making a new start, but the problems still keep coming.  It looks as though they are a Criminal Enterprise where different mafia groups have set up house in different parts of the bank and management does not know or does not care to clean house to become a substantial bank serving the public in the way banks agree to do such.   Wells Fargo is destroying the lives of tens of thousands of people and many within the bank are making millions of dollars in the process.

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“Since 2016, Wells Fargo has made a name for itself as the go-to bank for people hoping to get screwed over by a financial institution. In that time, it’s emerged that the San Francisco lender opened millions of fake accounts, often in customers names and always without said customers’ permission; charged hundreds of thousands of customers for auto insurance they didn’t want or need, leading to people having their cars repossessed; overcharged clients in its foreign-exchange business; paid $50 million to settle a lawsuit accusing it of overcharging hundreds of thousands of homeowners for unnecessary appraisals; paid $108 million to settle claims that it charged military vets hidden fees to refinance their mortgages; and literally told shareholders they can’t sue over misleading statements by management like we’re changing ours ways and we want to regain your trust, because said management is full of s–t (or, as it’s known among corporate lawyers, the “puffery” defense).

All of that, obviously, has played a major role in catapulting Wells Fargo to the No. 1 search result when one searches for things like worst bank ever or I want to be abused by a registered broker-dealer. But apparently, all this time, Wells was cooking up something that would make all its past “missteps” look like child’s play:

Wells Fargo says a computer glitch is partly to blame for an error affecting an estimated 545 customers who lost their homes. The giant bank filed papers with the Securities and Exchange Commission last month, revealing it incorrectly denied 870 loan-modification requests. About 60 percent of those homeowners went into foreclosure.

In an interview, Jose Aguilar, one of the affected homeowners, told CBS News that after falling a few months behind on mortgage payments while trying to fix a mold problem in his family’s home, he asked Wells Fargo to modify their loan to lower their monthly payments. After being told he might qualify for a modification, Aguilar heard nothing for months and then was forced to start the process over again. Ultimately, it took the lender a year to get back to him, at which point he was turned down and his house went into foreclosure. With his credit destroyed, no one would rent to Aguilar, and he and his son had to move into the basement of a friend’s house. (Aguilar and his wife split up after they lost their home.) Speaking to ABC News, Aguilar said that he “thought about suicide many times.” “It’s been very hard for me. It’s something I wouldn’t wish upon anybody,” he told CBS reporter Anna Werner.

Then, last September—three years after Wells Fargo basically ruined his life—Aguilar received a letter from the bank that read: “Dear Jose Aguilar. We made a mistake . . . we’re sorry.” It wrote that the decision to deny his loan modification was based “on a faulty calculation,” and acknowledged that it should have been approved. The bank also sent him a check for $25,000, which his attorney Marc Dannsaid “doesn’t begin to cover his total losses.” (The bank told CBS that it plans to work with affected customers to reach a resolution and, after literally kicking people out of their houses, is generously offering no-cost mediation.)

Incidentally, six months before Aguilar received his “Oops, our bad” letter from Wells Fargo, C.E.O. Tim Sloan received a 36 percent raise—bumping his 2017 compensation up to a not-too-shabby $17.4 million—, which he angrily defended when questioned by Wells critic Elizabeth Warren. Sloan has not yet commented on the bank’s latest f–kup.”

_____________________________________________________

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Project 1 – Estate Sales after the Sale

Project 2 – Wells Fargo Boycott

__________________________________________________________

Want to join us? Have a home that you want to open to become one of Bettina Network’s Hedge Schools? Call us and lets talk – or email us.

Ed. Note: Members of the Bettina Network Lifestyle Community can contribute to the Bettina Network Blog whenever they have anything they want to say and be heard by this fantastic group of people. Send your blog to bettinanetwork@comcast.net or mail it to us at P. O. Box 380585 Cambridge, MA. 02238 or call us on the telephone at 617-497-9166 to tell us what you want to say and we will write it for you.

Volunteer with Bettina Network Foundation, inc. to work estate sales; to help move items from one home to another; to contribute your ideas on how we can better use our resources in this effort to relieve and eliminate homelessness and poverty. We also need photographers; designers; and more. However much or little time you have, we are grateful.

Send your event information to be included in Bettina Network’s Menu of Events to: bettina-network@comcast.net

This is a curated blog so you cannot write your responses at the end of each entry. TO RESPOND TO THIS BLOG email bettina-network@comcast.net or info@bettina-network.com

TO LEARN MORE try www.bettina-network.com

 

It Is Time to Boycott Wells Fargo Bank! – #WellsFargo

Sunday, December 2nd, 2018

Bettina Network Foundation, inc. is calling on everyone to join in and actively participate in this boycott of Wells Fargo Bank.

For a very long time banks have been fundamental in making sure there is none to very little change in this society.  Racism, sexism, homophobia, class discrimination, who owns and keeps the wealth in this country and so much more are determined by your local bank – which is probably no longer local but is the branch or unattended outlet of a major, international banking plus other businesses institution.  And most notably they are majorly responsible  for homelessness.  Not entirely, to be sure, but they do maintain the structure – in tact – no matter how loud or long they protest their innocence.

What do they gain?  One thing is keeping us divided against each other so communication as to what they are doing is knowledge kept and known only to a few.

How is wealth created in these United States?  Through either real estate or stock.  Either through ownership of land – real property – as it increases in value, or through ownership in corporations as they increase in value.

Many people have tried to increase their wealth and have been stymied.  Mostly by the banks – even though we are not ignoring the role of other institutions. Unfortunately, in spite of our great educations, most of us are ignorant of how this happens and therefore it continues.

How has this happened?  Little by little we hope to unfold for you all of it so you can function with a knowledge that makes your actions and your life more productive.

Banks have in the past and still do today majorly maintain segregated neighborhoods through “red lining”.  They are helped in this endeavor by some realtors, but brokers, dealers, realtors can’t take all the credit.  Most of it goes to the banks.

Red lining is an old way of maintaining separation of peoples based on things like color, economic and financial status, etc. which has not gone out of existence.   It has just gone underground and periodically takes on new forms.  Banks do not maintain that separation of peoples only through red lining, they do it through the intentional destruction of neighborhoods targeted for “urban renewal” or for a change of a neighborhoods racial make-up or etc.  There are billions of dollars involved and to be made by those who are a part of such transactions along with the loss of lives, livelihoods and more.

Which bank is the most egregious bank of them all?  WELLS FARGO!

In spite of tens of thousands of dollars having gone into the legal process to get them to change and many other ways which have been tried to approach this problem, Wells Fargo is still ripping off the American public – and probably many overseas as well.  As a result of the legal processes, which they lost, the only change we can see is a new and improved marketing and advertising program which the bank has rolled out instead of making restitution in real ways to those they have hurt.  That marketing and advertising program is nothing more than smoke and mirrors to get you to continue doing business with them so they can continue doing that business as usual.  And lets not talk about fines, etc. imposed on Wells Fargo.  To you and me that is like money to go to the store to buy ice cream or a pizza given their overall finances.

The ugliness, which has hurt so many,  is still enshrined within the bank along with its structures and the people who carry them out.  Most are people who carry out these policies to put food on their tables and to keep a roof over their heads.  Many are people competing to have better food and a more expensive roof over their heads.  It is time to take another look at what you can do and how you – Wells Fargo employees – can contribute to bringing about basic change, accepting your responsibility for being one of those making the lives of others extremely difficult so you and yours can benefit.  There are ways you can help bring about basic change and maintain your job and your increasingly lucrative and going up the ladder of success lifestyle.  You don’t have to concentrate on or be involved in only the one – because you are likely to be one of those against whom you moved to make their lives difficult to impossible.  History shows that is probably going to be the result of your efforts, if you continue on the path you are now taking.

Exposure is one way!  Open the windows, throw open the doors and let fresh air flow through.  Let the general public know what is going on and what we can do to make basic change so we all benefit.

Bettina Network Foundation, inc. is calling one way we can all move towards changing this society for the better:

  1.  If you have a savings account with Wells Fargo – close it.  You can open it with another bank.  And yes,  all banks are complicit, but you have to start someplace.  One bank has to make change and one very large bank with lots of influence and which has been shown to be a bank which destroys lives, property, the quality of lots of peoples way of life and keeps on keeping on going down the wrong street ripping peoples lives apart is a good place to start.

2.  Once you have closed your savings account, let us know and let Wells Fargo know you closed your account and why!

3.  If you have a checking account with Wells Fargo – close it.

4.  And once again, let us know and let Wells Fargo know you closed your checking account and why!

5.  If you own stock in Wells Fargo – sell it.  And let Wells Fargo know you sold your stock in their bank and any subsidiaries you can find – let us know about the subsidiaries and let us and Wells Fargo know you sold your stock and why!

6.  And this is a biggy!  Do you own stock in other publicly traded corporations?  Check out who is the transfer agent responsible for keeping the records for that publicly traded corporation.  If it is Wells Fargo Shareowner Services or EG by Equiniti – demand that the corporation change its transfer agent and hire another totally unconnected to Wells Fargo.

Wells Fargo Shareowner Services, from our experience, did lots to hurt John and Jane Q. Public.  Instead of responding to what they did they simply changed their name, ignored the problems they created and kept on moving ahead.  This is common for many corporations.  It is time for this to stop and you have the power to stop these under handed activities.

A statement taken from Equinity’s marketing materials – “Even though Wells Fargo has sold its transfer agency business, our relationship with Wells Fargo remains strong. We will continue to use banking and brokerage services provided by Wells Fargo. Wells Fargo will continue to use us as its transfer agent.”

Today’s Story is only one, but it begins to unfold why we are promoting and managing this boycott and what we want changed?  Bettina Network Foundation, inc’s goal is to eliminate homelessness.  That is a growth area in this society and the ways it has been attacked have not worked.  It is time to look at the base reasons and eliminate and change them so everyone has food, shelter and work in this very wealthy society.  We do not need to continue on this path of the rich getting richer and the middle class becoming homeless.

TODAY’S STORY!

“We owned Dayton-Hudson stock and we owned Target Corp stock for decades. When
Dayton-Hudson became Target Corp. all of our stock became Target Corp. stock. We kept that stock for decades. When we needed to sell the stock because we needed the money
for business purposes and needed that asset changed to cash quickly – as promised it would be by Target Corporation and the Securities and Exchange Commissio – we had to go through Wells Fargo Shareowner Services.

When we contacted Wells Fargo Shareowner Services to ask that they sell the stock – it became a several years consumption of money, time, emotional energy and more.

A transaction that should have taken a few minutes to send a letter with the appropriate form – accurately filled out – and then the next step taken by Wells Fargo Shoreowner Services should have been just four days for the stock to be sold and just a very short time after that for the money to be deposited into my account.  That process  actually took almost three years. Why? We have many theories, but why is irrelevant. What is relevant is
that our money was kept and our access to an asset which the Securities and Exchange Commission supposedly is the watch dog agency to make sure things like this does not happen all were useless in the face of Wells Fargo. Whatever they did was accepted and acceptable and I was put in the position of first a supplicant – please get this done, I need my money;  through to a very angry woman demanding her assets be treated and acted upon per her request.

WHY did I have to go through this? Because the Direct Purchase Plan with Target Corporation gave Wells Fargo Shareowner Services – the transfer agent for Target Corporation – the right to keep the stock certificates of the stock we owned. I was told many stories as to why that was the best thing to do – “when you are ready to sell there is no issue with the stock certificates, they are in the possession of Wells Fargo Shareowner Services or whichever transfer agent Target Corporation was using and the sale of the stock will be stress free for everyone and able to be executed in minutes.”

That was a lie! If, for any reason one of those corporations wants to move against you without showing their hand because you are a political or other kind of nuisance, you have given them the ability to do just that and they will use it – to harass you and make your financial life a shambles at their discretion and Wells Fargo Shareowner Services was the champion at doing that.  Leave your stock certificates for safe keeping with their services and they control your asset and no one is going to come to your rescue.  Attorneys will, costing more than the stock is worth, but no one else moves to help no matter their job description or their mandate.

Target Corporation, in spite of going all the way up the ladder from Customer Service to the “investment” area to the CEO of Target Corporation refused any kind of help.  To them, the responsibility was with Wells Fargo Shareowner Services and they closed off communications of all kind.  Letters went unanswered, pleas went unheeded, the door to the Executive Suite slammed shut.  This was not their problem.  But – said I – this is your stock not Wells Fargo’s stock.  Mean silence prevailed.

It took almost three years of going back and forth with Wells Fargo Shareowner Services, the Securities and Exchange Commission, the Attorney Generals Office and more such institutions. When a lawyer became involved – only then were our wishes heeded.  At that point the asset was gone – attorneys don’t come cheap.  So while their goal was not fulfilled one way, it was indeed fulfilled in another way even more effective because it took my time, the asset and emotional energy to get to that solution.

When we started the process of asking that the Target Stock be sold, Wells Fargo Shareowner Services had just taken over as Target Corporations transfer agent. Today just three plus years later ownership of that Wells Fargo Shareowner Services has been transferred to Equinity. The same people are at the top and all through the ranks so what happened? Did their problems multiply because of the way they did business and the number of people they hurt that the easiest thing for them to do was not to make amends for their sins, but to transfer ownership so they did not have to take responsibility and did not have to correct their wrongs?  Talk to Equiniti and you will be told – sorry that is not our problem, we are not the company with whom you had problems.  Clean – swift – vicious!”

++++++++++++++++++++++++++++

That is a common way for such corporations to act and it is time for that to stop. If you hurt someone you need to make amends and make those people whole again at the same time changing the processes which caused the problem in the first place.

So we will go back to asking you to check your stock certificates on any stock you own – if the transfer agent is Wells Fargo Shareowner Services or if it is Equiniti, demand that the corporation whose stock you own change their transfer agent or you sell the stock and buy into another corporation which uses another transfer agent and let us and them know what you have done.

We will publish your story with or without your name depending upon your request to us. Why without the name of the person involved? Because retaliation by corporations is common and many have experienced unnecessary hassle and harassment and loss because of corporations trying to silence the public so they can be allowed to continue doing ugly, vile things without taking responsibility and without making those people whole.

Small steps in the right direction have been taken, in the past, by expensive and long lasting law suits from which almost no one benefits.  It is time for that to change!

Your basic responsibility is to the human beings with whom you inhabit this earth, to make it a better – more viable – kinder – gentler – more caring place to live without the ugliness we have all had to endure because of greed, power hunger and other such emotions and character flaws which have pervaded the institutions which are supposed to be there to help us navigate this world in a more flawless manner.

Please pass this along to as many people as you can possibly reach who you think need to read this message and to keep up with this boycott.

What do we need to continue, promote and make this a successful boycott?

Your ideas

Your time and energy to do the work of carrying this forward

Your money to help us meet the costs of such an action

______Ways to Contact Wells Fargo Bank to let them know you will not do business with them

Corporate Headquarters*

420 Montgomery Street
San Francisco, California 94163
United States
Phone: 866-878-5865
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Want to join us? Have a home that you want to open to become one of Bettina Network’s Hedge Schools? Call us and lets talk – or email us.

Ed. Note: Members of the Bettina Network Lifestyle Community can contribute to the Bettina Network Blog whenever they have anything they want to say and be heard by this fantastic group of people. Send your blog to bettinanetwork@comcast.net or mail it to us at P. O. Box 380585 Cambridge, MA. 02238 or call us on the telephone at 617-497-9166 to tell us what you want to say and we will write it for you.

Volunteer with Bettina Network Foundation, inc. to work estate sales; to help move items from one home to another; to contribute your ideas on how we can better use our resources in this effort to relieve and eliminate homelessness and poverty. We also need photographers; designers; and more. However much or little time you have, we are grateful.

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