Category Archives: Government

The Occupy Movement: One Half of the Equation

Freeing the country from corporate influence is one half of the equation freeing ourselves is the other.

The Occupy Wall Street Movement is awesome and I support and stand with my fellow 99%ers and the 1%ers that have joined in the cause because they realize that things must become more balanced either for altruistic or selfish self-preserving reasons. While I agree 100% that we need to end the influence of corporate greed in our government and in our homes I can’t help but feel that we must take a holistic approach or face a return of the problems that we are railing so hard against.

If we want to bring about change we need to fight the corruption but we also need to make ourselves more self-reliant and work to set up checks against this ever happening again.

We need to remove the control these criminals have over our government but we must realize that we let them take control in the first place and we financed their take over.

So many people these days have been and are being forced from their homes. These people find themselves eating as cheaply as they can, wearing clothing longer and maybe trying to patch things when they rip. So many are doing these things with an expectation that we can all return to the days of living in large disposable suburban houses and the days of driving $60k SUVs, and eating out at chain restaurants 3-5 nights a week. If we do that we have only ourselves to blame when these profiteers and financial fascists claim power once again.

While it is not entirely our fault we do have ourselves to blame in that we let it happen. True we were marketed to and in many cases lied to but we chose to believe in the United States of Commerce and to believe we could have everything our way just as they sold it to us. The truth is many of us should have paused and said no. No, we don’t believe the hype, we don’t believe that we can live life on credit and never have to pay the collector. We should have refused to believe that we could leveraging our futures to enjoy ourselves now. We shouldn’t have but we did. Now we need to learn from that mistake, it was an experiment and it went horribly wrong.

We let the corporations and the banks take over, we let them feed us ideas that were too good to be true, we let them sell us giant toxic houses and worthless educations, we let them charge us $5 fees every time we use our money. So in that sense we do carry some blame for this mess. This is why we cannot go back to the same things that we did before as it will only lead down the same road. True these corporate overlords are doing everything in their power to maintain power but we allowed them the opportunity to take the power in the first place.

Our Revolution

That is not going to work if we don’t resolve to change who we are. We must refuse to allow banks to be too big to fail by investing in local community banks and credit unions who know us, who keep our money local, who invest our money in projects that we believe in or that at the very least have a local impact.

We need to live in smaller more human scale places that connect us back to our planet and to our neighbors and are build with local materials harvested locally and not by the hands of ultra-wealthy industrialists that rape the land, it’s people, and the end consumer. We need to build ourselves homes that functions for us, not houses that force us to work for 30 years to pay for them as they poison us and fall apart around us while continuing to put money into the pockets of those that work against our best interests.

We need to get back to growing our own foods. This will reduce our bills and increase our health and our strength. At the same time it will help break the food monopoly, reduce industrial farming pollution, reduce food transportation costs, reduce the abuses against illegal and migrant workers, and will reduce the spread of food-borne disease.

We need to begin mending and making our own clothes, and supporting each other on a local scale. Wool, cotton, linen, and other raw materials can often be locally sourced which again reduces transportation costs. While not everyone should buy or build their own loom localizing clothing production reduces environmental destruction, child labor abuses, and the corporate greed that comes when banks and other middle-men work their way into the system. Even if we don’t make our own, buying locally made materials and finished clothing products make a serious impact.

How do we get started?

We can find great joy in simple things like gardening & cooking, sewing & knitting, and building things ourselves.

Eat beans as your protein for several meals a week, not because meat is too expensive but because you can make amazing meals with them and they are cheap. They’re also easy to grow. Plant them in a victory garden and declare victory over your food bill by cutting the cost of food by 50% to 80%. When we start to make dents into our cost of living we can get to a point where we realize that we don’t need as much money because we don’t need as many material possessions.

We can’t all build our own homes but we can buy older smaller homes and retro-fit them with cheap locally sourced non-toxic materials. We can also cheaply build things like small wind turbines and small solar kits. If even 20% of us began to generate 25% of our own power (or reduced our use and generate enough to effect our usage by 25%) it would have a massive effect on the price of electricity. That would be 5% of the total energy used. There would be less incentive to dig up coal, less incentive to frack for methane, and so on. That 5% represents a huge amount of money these power companies use to buy politicians.

Eating less processed foods, building our own homes, and powering them ourselves will all help to make us healthier. Spending more time sewing, building, and creating what we need with our hands will make us stronger and smarter. All of these in concert will make us more free and will help to prevent the financial and corporate elite from taking control again.

Measuring True Success

The occupy movement might succeed in getting better representation for the people but it will be a hollow victory if we don’t see this revolution for what it is and that is a chance to fundamentally change how our society functions.

True victory will come when we are all living within our means, when we create our own authentic lives, and when we don’t provide opportunities to be taken advantage of. We let the wolf into the hen house when we left the door open. Putting this wolf down only solves half of our problems. Once we arrest the enemies of our republic we need to make sure we don’t leave the door open for their return and that will take changing who we’ve become.

Economists believe that we will see stagnant growth for maybe the next 10 years. They see that as a bad thing. I don’t know that it is. Our growth since the 1980s has been a lie. It has been based on the phantom profits of Wall Street. It has not been real growth. In fact this growth was more like cancer in that it did more harm than good as it rapidly expanded and consumed the health of the rest of our collective body. If we want true prosperity we need to realign our society. We need to learn to provide more real valuable and tangible goods to ourselves, our families, and our communities. Doing so will allow us more time to pay attention to what the government is doing. It will also remove the incentives for the kind of corporate greed we’ve seen.

Share
Also posted in Community | Comments Off

Pittsburgh Cob Home Building Update

Cob Home Design

 

So the wife and I found the land we want to build on inside of the city of Pittsburgh and we’ve got an email into BBI asking what information they will need to give us a building permit and ultimately an occupancy permit. We’ve also got an email into the local community group. As the land is city owned (actually URA owned) we need their approval for our project. I know some people might find that to be a huge pain but I actually really like that – maybe it has something to do with the fact that I am a VP on the board of directors of a similar community group.

Learning to build cob

While we are waiting to hear back from BBI and to have our meeting with the community group we are not sitting on our hands. We’ve been reaching out to others in and around Pittsburgh who may have some interest in what we are doing as well as talking to people around the country who have already built cob houses to find out how they got their buildings to pass inspection or what tested they had to have conducted for a structural engineer or architect to sign off of the building.

Compressive Strength vs. Tensile Strength

One thing we found is that the straw that is required for tensile strength brings down the compressive strength so we’ve looked into different types of pozzolans (additives) and while fly ash is abundant and free in Western PA we are worried about it’s toxicity. The soil we are going to be using will already probably contain some amount of lead so we want to use the cleanest stuff available.

It seems like pumice is probably our best bet. While pumice is not going to be able to be locally sourced it will not only make the cob stronger but will also make it lighter allowing us to build faster. It also adds insulation (or R) value. It will increase our cost for the cob but will lower the cost on the plaster side as we won’t need a full 4 inches of plaster to increase the R value as much.

If you are interested in learning more or in helping us when the project gets underway use the contact form or leave a comment and thank you for your interest!

Share
Also posted in alternative building techniques, architecture, cob, Community, design, Pittsburgh | 3 Comments

Student Loan Injustice

Sallie Mae: Predatory Lender

It’s taken me nearly a decade of fighting to get a payment that I can afford. During this decade my student loan debt has gone up excessively. I’ve had “legal fees” and “late fees” and “just because we can fees” tacked onto my loans that have been rolled in with them so that I’m not only paying the fees but also paying interest on those fees. So while I’ve finally got a payment that I can make on a bill that is as much as four times the amount that I actually borrowed, this fight is not over for me. It’s not over because my story is all to familiar. I’ve come home from this war wounded but alive. Others have not been so lucky. Besides the war continues to rage on even now.

I received the attached appeal from StudentLoanJustice.org urging me to get the word out and that is what this post is for. I encourage you to read the information below from Student Loan Justice and I encourage you to act on it – demand that this be changed. It’s not about my future, it’s not about some retired parent or uncle who’s credit has been obliterated so that the executives at Sallie Mae can buy a new private jet – it’s about all of us because like the housing bubble higher education is heading for a bust and when that happens the United States will be in a world of hurt. We’ll loose the tech-race, we’ll fall behind other developed countries, and we’ll loose our status as a world leader and innovator.

It’s time we put aside politics and focus on what is best for our country. They’ve made gross fortunes off of the defaults of people who were and are just trying to get an education. We’re not asking for reparations, we’re just asking that the injustice that is being done be stopped. I’m writing my representatives and I urge you to do the same.

Thank you. Here is the appeal:

Protection for College Students Needed Now

December 20,2010

In 2005, language was slipped into the Bankruptcy Abuse Prevention and Consumer Protection Act which effectively removed bankruptcy protections from private student loans. The brazenness of this action shocked even the most jaded experts on the Hill (when it was discovered). After all, this amounts to the same thing as stripping bankruptcy protections from credit cards, or any other type of unsecured, free-market debt. Make no mistake: there are large injustices with the student lending system generally, but this move set a new low.

The banking industry and their lobbyists promised increased loan availability to disadvantaged students in return for the wholesale removal of this critical, free-market mechanism, but never delivered, the record now clearly shows. What they did deliver were tens of billions of dollars in outrageous loans that would make a subprime mortgage broker blush, with APRs as high as 28%, dropped onto the backs of unsuspecting students through deceptive and corrupt marketing techniques for which there simply is no comparison (consider that often, students would call their school’s financial aid offices, and unbeknownst to them, at the other end of the line was a student loan marketer pretending to be a university employee, and this point is proven, but we could go on at length here).

It was assumed by all that at the first possibility (i.e. when the democrats recaptured one or both houses of Congress), this grave injustice would be quickly righted. So in 2007, when Democrats swept both Houses, this painful period for the citizens was clearly at an end. Or was it? The democrats, to their credit, did introduce legislation to reverse this robbery, but didn’t put their back into it, evidently. The first attempt the legislation was quietly killed. A second attempt was narrowly defeated in a House vote thanks to the Blue Dogs cooperation with republicans like Howard “Buck” McKeon, and others. The third attempt, introduced last Spring, was on a slow road to passage, and would have been fine, but for an inconvenient election in November.

Surely the banking lobbyists charged with keeping this beach head were richly rewarded for their efforts. After all, a leaked Sallie Mae strategy memo that surfaced around the time the Democrats took power in Congress put preserving the current bankruptcy laws as the 2nd highest priority. And over four years, the record is clear that this mission was accomplished.

Consider, however, what is lost to this dangerous and predatory lending system. While we won’t be seeing them marching on Washington anytime soon, former students by the hundreds of thousands are currently reeling, devastated by this toxic debt. Their cosigning parents, grandparents, aunts, and uncles who wanted only for their loved one to get a college education now face financial ruin, and that is absolutely not in any way an exaggeration. And for what? So Sallie Mae can reap excessive profits from predatory loans made on a hyper-inflated commodity, which is higher education?

Ironically, the entities who so cleverly led the students into these monstrous debt situation are the same people now chastising the students about not reading the fine print. They now dispense belated words of wisdom on borrower responsibility from on high, effectively insulating themselves from all blame. But the ironies do not end there…the democrats who were so quick to rush to the financial aid of the financial industry (including Sallie Mae, and the other student lenders), have gone quiet on this final attempt at returning the bankruptcy protections that should have never been taken away, it seems. And where are the beltway advocates? It seems, that the only ones left in this fight are the citizens, and the Congress elected to represent them. Oh..and of course the banks with their money, expert advice, and threats designed to protect their profits no matter the public cost.

Democrats: Do what is critically needed right now, and return at least this obvious critical protection to the consumers before this term expires.

Share
Also posted in Education, Social Tech | Comments Off

A Word From Our Sponsor (disguised as a blog post)

I just have to share this with you all. I have a google alert set up with “need, photography, Pittsburgh” and I don’t normally get a lot of good results for that but sometimes it does provide leads so I keep it active. The other thing that happens occasionally is that it brings back interesting results like this one:

http://ihobbycorner.com/professional-photography/

Which will almost certainly need to be removed from that website. If it is before you get a chance to read it let me tell you what it is. It’s an advertisement for the Art Institute of Pittsburgh (AIP) disguised as a blog post on a hobby blog. The reason that I know if will be removed soon is because it’s illegal. Laws were past last year that made it illegal for bloggers and twitterers to endorse things without reveling their relationship or any compensation they are getting for doing so. This wasn’t even that well disguised – it looked like copy taken right from their website or from print material.

AIP is where I graduated from in 2001 and I really do value what I learned there but most of the people I graduated with are not doing what they went to school there for and we were told a ton of mis-truths and on occasion outright lies by the representatives of  the school. Things have only gotten worse as these days they are owned by Goldman Sachs who have pushed even harder for ever higher profits.

Upon reading this blog post advertisement I couldn’t pass up the chance to share with potential readers the lies and misrepresentations that abound with these folks. Being that my comment needed to be moderated and the fact that the post should be taken down I’ve decided to share my comments here with you dear reader so enjoy:

WDOphoto Says: Your comment is awaiting moderation.
February 2nd, 2010 at 3:17 pm

This poster is almost certainly a sales person – a paid sales person and their post may be in violation of recent laws that require a blogger to identify anyone who might be paying them to blog about a particular subject or any relationship that they might have with the subject that they are blogging about.

What the author also fails to tell you is that many graduates also are crushed by the huge expense of the tuition that the Art Institute charges.

I graduated from AIP in 2001, out of the folks that graduated with me and before and after me by a few quarters I am one of maybe 10 people that are working as a photographer.

Forget getting a job as a photojournalist right out of AIP – the newspaper industry has been shedding jobs, not adding them, and the vast majority of the students they pass through are not focused or driven enough to work in such a competitive field.

Nor are they set to work in commercial photography which is just as competitive. The majority of the students who are herded through their programs like cattle are meek and mild and set-up to fail.

This poster fails to tell you dear reader that you can learn just as much at a state school, more even, than what you will at AIP for far less money.

They’ve also failed to tell you that since Goldman Sachs bought EDMC (the company which owns AIP that the poster almost certainly works for in a sprawling cubical filled warehouse in Pittsburgh’s Strip District) the focus has become far more financially driven and profit motivated and far less about education.

Don’t get me wrong – the school was always profit driven. It’s just that now they are even more ruthless in their pursuit of financial gains at the expense of the general public.

EDMC employs hundreds, if not thousands, of sales people. They are not “councilors” they are sales people, their backgrounds are in sales, they don’t care if you are mentally deficient – if you have the money they’ll tell you how wonderful your future is going to be. After all the schools they are pushing have a 100% acceptance rate.

I strongly encourage everyone to read about the high costs of these schools and how these schools have a higher percentage of students who default on their loans as was my case because the cost of AIP was so high that I was forced into taking out private loans. They at one time set up (and still might have) a private loan just for them through Sallie Mae that I was told was the only private loan I was allowed to apply to my bill there. When I took out this loan the interest rate was 23% (compound that).

Something else to keep in mind – these schools target lower income high-school students and working adults that more than likely come from a family or background where they in no way can understand the complex financial problems that are being thrust upon them.

I was a wide-eyed teenager herded into a tight hallway full of 6×6 rooms with a waiting line an hour to two long. My mother and I had little to no time to read anything that was shoveled at us. We were told to sign here and sign there – it was as if the devil himself, with all of his slickness, was on the other side of that desk. We got taken. And so did nearly everyone I waited in line with that day. As I said only a few of us made it out doing what we went in there for.

They told my mother that for me to get additional aid she’d need to apply and be turned down for parent plus loans. The problem was that she wasn’t turned down and there was no way, according to them, that she could NOT take the loan out. She was forced into taking on debt that she could in no way afford.

A popular misconception is that this is an “art school”. It’s not – it’s a trade school. They crank out students every 3 months with the same degree, many with no chance of doing what they have been, for-the-most-part, poorly trained to do.

I don’t mean to come down hard on the instructors because for the most part they are quality folks and I really do respect the vast majority of them but at the same time they are trapped in a hard spot.

It has become obvious to me from what I saw when I was there, when I’ve gone back to speak with portfolio students, and when I interact with graduates, (usually when they are serving me at a coffee shop), that the teachers are encouraged to do as much as they can to NOT fail students. How can one teach people when they are not allowed to weed out the poorly performing students?

Don’t waste your money on these people or believe anything their sales people tell you. If you don’t believe me I encourage you to look at the statistics or even read what is happening in the news right now where these for-profit school owners are fighting the dept of education to keep from being held accountable.

The Obama admin wants to tie their ability to get fin. aid (which is where most of their money comes from) to the ability of their students to pay that money back. Meaning that their higher level of defaults could put them at risk of loosing their source of income. They are fighting this as hard as they can because they don’t want to be held accountable for their failure to actually educate and train students.

Shame on you cstein for posting misleading advertisements in such a manipulative manner.

That’s the end of the post but for more info on how they are fighting the dept. of education see the following articles:

http://www.businessweek.com/ap/financialnews/D9DGTFCO0.htm

http://online.wsj.com/article/BT-CO-20100128-715543.html?mod=WSJ_latestheadlines

Share
Also posted in Art Institute, Community, Education, Family, Friends, photography, Pittsburgh, Social Tech, Strip District | Tagged , , , , , , , , | Comments Off