Archive for November, 2014

From One Nation Rising:

Posted by Bill Bissell on November 25, 2014


Secession – State of Jefferson


Courtesy of Darla Dawald, founder of One Nation Rising

A Day of Thanksgiving and Praise….

By the time you read this message you’ve most likely received a few Thanksgiving messages. This particular message may seem long and rightly so, however, it’s my sincerest hope that you’ll take the time to read the following message. When we fail to remember from whence we came we are destined to fail the young and impressionable while American traditions built on historical significance become another day for man on the street interviews with people that are completely ignorant of our significant history that shaped this day.

I’ve provided a brief history of the tradition of Thanksgiving for you below. I know most of you will recall there were Pilgrims and Indians involved, but when was the last time you refreshed your mind with the actual history and shared it with your kids, grand kids, family, and friends? Perhaps this Thanksgiving you can read them the story.

Before you get into the story and also the amazing Thanksgiving Proclamation by President Abraham Lincoln, I would like to share a few thoughts with you.

Reading the original story and the history of Thanksgiving reminded me that the most important lesson in this holiday is twofold. 

  • Thanksgiving was about cooperation between the Pilgrims and the Indians. They came together and helped one another in a time when there was a significant amount of famine, disease, and discourse between the new people that arrived in the boats and the people already living off the land.

  • The Thanksgiving Proclamation by Lincoln clearly sets the tone of what should be forever the importance of Thanksgiving in this country by her citizens and her government. 

Wouldn’t it be wonderful if we could teach the country once again the importance of uniting and cooperating to benefit the country and her citizens?

We must take the message of Thanksgiving forward every day and work toward unity and working to find those things that we have in common in order to build a bridge that fills the gap that has caused so much discourse and division today.

I pray that you and your family will be blessed abundantly. I pray that our nation can come together and humbly pray for God’s forgiveness of our sins, that he will heal our land and bless our nation once more.

Happy Thanksgiving my friends!

Darla Dawald

Now the history….

THANKSGIVING AT PLYMOUTH      In September 1620, a small ship called the Mayflower left Plymouth, England, carrying 102 passengers—an assortment of religious separatists seeking a new home where they could freely practice their faith and other individuals lured by the promise of prosperity and land ownership in the New World. After a treacherous and uncomfortable crossing that lasted 66 days, they dropped anchor near the tip of Cape Cod, far north of their intended destination at the mouth of the Hudson River. One month later, the Mayflower crossed Massachusetts Bay, where the Pilgrims, as they are now commonly known, began the work of establishing a village at Plymouth.

Throughout that first brutal winter, most of the colonists remained on board the ship, where they suffered from exposure, scurvy and outbreaks of contagious disease. Only half of the Mayflower’s original passengers and crew lived to see their first New England spring. In March, the remaining settlers moved ashore, where they received an astonishing visit from an Abenaki Indian who greeted them in English. Several days later, he returned with another Native American, Squanto, a member of the Pawtuxet tribe who had been kidnapped by an English sea captain and sold into slavery before escaping to London and returning to his homeland on an exploratory expedition. Squanto taught the Pilgrims, weakened by malnutrition and illness, how to cultivate corn, extract sap from maple trees, catch fish in the rivers and avoid poisonous plants. He also helped the settlers forge an alliance with the Wampanoag, a local tribe, which would endure for more than 50 years and tragically remains one of the sole examples of harmony between European colonists and Native Americans.

In November 1621, after the Pilgrims’ first corn harvest proved successful, Governor William Bradford organized a celebratory feast and invited a group of the fledgling colony’s Native American allies, including the Wampanoag chief Massasoit. Now remembered as American’s “first Thanksgiving”—although the Pilgrims themselves may not have used the term at the time—the festival lasted for three days. While no record exists of the historic banquet’s exact menu, the Pilgrim chronicler Edward Winslow wrote in his journal that Governor Bradford sent four men on a “fowling” mission in preparation for the event, and that the Wampanoag guests arrived bearing five deer. Historians have suggested that many of the dishes were likely prepared using traditional Native American spices and cooking methods. Because the Pilgrims had no oven and the Mayflower’s sugar supply had dwindled by the fall of 1621, the meal did not feature pies, cakes or other desserts, which have become a hallmark of contemporary celebrations.


Pilgrims held their second Thanksgiving celebration in 1623 to mark the end of a long drought that had threatened the year’s harvest and prompted Governor Bradford to call for a religious fast. Days of fasting and thanksgiving on an annual or occasional basis became common practice in other New England settlements as well. During the American Revolution, the Continental Congress designated one or more days of thanksgiving a year, and in 1789 George Washington issued the first Thanksgiving proclamation by the national government of the United States; in it, he called upon Americans to express their gratitude for the happy conclusion to the country’s war of independence and the successful ratification of the U.S. Constitution. His successors John Adams also designated days of thanks during their presidencies.

In 1817, New York became the first of several states to officially adopt an annual Thanksgiving holiday; each celebrated it on a different day, however, and the American South remained largely unfamiliar with the tradition. In 1827, the noted magazine editor and prolific writer Sarah Josepha Hale—author, among countless other things, of the nursery rhyme “Mary Had a Little Lamb”—launched a campaign to establish Thanksgiving as a national holiday. For 36 years, she published numerous editorials and sent scores of letters to governors, senators, presidents and other politicians. Abraham Lincoln finally heeded her request in 1863, at the height of the Civil War, in a proclamation entreating all Americans to ask God to “commend to his tender care all those who have become widows, orphans, mourners or sufferers in the lamentable civil strife” and to “heal the wounds of the nation.” He scheduled Thanksgiving for the final Thursday in November, and it was celebrated on that day every year until 1939, when Franklin D. Roosevelt moved the holiday up a week in an attempt to spur retail sales during the Great Depression. Roosevelt’s plan, known derisively as Franksgiving, was met with passionate opposition, and in 1941 the president reluctantly signed a bill making Thanksgiving the fourth Thursday in November.

Proclamation of Thanksgiving

This is the proclamation which set the precedent for America’s national day of Thanksgiving. During his administration, President Lincoln issued many orders similar to this. For example, on November 28, 1861, he ordered government departments closed for a local day of thanksgiving.

Sarah Josepha Hale, a 74-year-old magazine editor, wrote a letter to Lincoln on September 28, 1863, urging him to have the “day of our annual Thanksgiving made a National and fixed Union Festival.” She explained, “You may have observed that, for some years past, there has been an increasing interest felt in our land to have the Thanksgiving held on the same day, in all the States; it now needs National recognition and authoritive fixation, only, to become permanently, an American custom and institution.”

Prior to this, each state scheduled its own Thanksgiving holiday at different times, mainly in New England and other Northern states. President Lincoln responded to Mrs. Hale’s request immediately, unlike several of his predecessors, who ignored her petitions altogether. In her letter to Lincoln she mentioned that she had been advocating a national thanksgiving date for 15 years as the editor of Godey’s Lady’s Book. George Washington was the first president to proclaim a day of thanksgiving, issuing his request on October 3, 1789, exactly 74 years before Lincoln’s.

The document below sets apart the last Thursday of November “as a day of Thanksgiving and Praise.” According to an April 1, 1864, letter from John Nicolay, one of President Lincoln’s secretaries, this document was written by Secretary of State William Seward, and the original was in his handwriting. On October 3, 1863, fellow Cabinet member Gideon Welles recorded in his diary how he complimented Seward on his work. A year later the manuscript was sold to benefit Union troops.

Washington, D.C.
October 3, 1863

By the President of the United States of America.

A Proclamation.

The year that is drawing towards its close, has been filled with the blessings of fruitful fields and healthful skies. To these bounties, which are so constantly enjoyed that we are prone to forget the source from which they come, others have been added, which are of so extraordinary a nature, that they cannot fail to penetrate and soften even the heart which is habitually insensible to the ever watchful providence of Almighty God.

In the midst of a civil war of unequaled magnitude and severity, which has sometimes seemed to foreign States to invite and to provoke their aggression, peace has been preserved with all nations, order has been maintained, the laws have been respected and obeyed, and harmony has prevailed everywhere except in the theatre of military conflict; while that theatre has been greatly contracted by the advancing armies and navies of the Union. Needful diversions of wealth and of strength from the fields of peaceful industry to the national defence, have not arrested the plough, the shuttle or the ship; the axe has enlarged the borders of our settlements, and the mines, as well of iron and coal as of the precious metals, have yielded even more abundantly than heretofore.

Population has steadily increased, notwithstanding the waste that has been made in the camp, the siege and the battle-field; and the country, rejoicing in the consiousness of augmented strength and vigor, is permitted to expect continuance of years with large increase of freedom. No human counsel hath devised nor hath any mortal hand worked out these great things. They are the gracious gifts of the Most High God, who, while dealing with us in anger for our sins, hath nevertheless remembered mercy. It has seemed to me fit and proper that they should be solemnly, reverently and gratefully acknowledged as with one heart and one voice by the whole American People. I do therefore invite my fellow citizens in every part of the United States, and also those who are at sea and those who are sojourning in foreign lands, to set apart and observe the last Thursday of November next, as a day of Thanksgiving and Praise to our beneficent Father who dwelleth in the Heavens. And I recommend to them that while offering up the ascriptions justly due to Him for such singular deliverances and blessings, they do also, with humble penitence for our national perverseness and disobedience, commend to His tender care all those who have become widows, orphans, mourners or sufferers in the lamentable civil strife in which we are unavoidably engaged, and fervently implore the interposition of the Almighty Hand to heal the wounds of the nation and to restore it as soon as may be consistent with the Divine purposes to the full enjoyment of peace, harmony, tranquillity and Union.

In testimony whereof, I have hereunto set my hand and caused the Seal of the United States to be affixed.

Done at the City of Washington, this Third day of October, in the year of our Lord one thousand eight hundred and sixty-three, and of the Independence of the Unites States the Eighty-eighth.

By the President: Abraham Lincoln

William H. Seward,
Secretary of State


Darla Dawald, Founder One Nation Rising. Darla has been at the forefront of the Tea Party Movement since Jan of 2009. It was then that Darla began planning the historic march on DC that occurred 9/12/09. Since then Darla has spoken at over 200 Tea Party and Conservative events nationally, traveled with the Tea Party Express as a speaker, has appeared on CNN and Fox News, and appeared on several radio programs and press conferences. In addition Darla ran a network that grew to 94K members. Recently Darla ran for State Rep in AZ and lost the primary by 7%. Darla is a Precinct Committeeman also. Darla Dawald is a strong advocate of the Constitution, Smaller Government, Free Markets, and Less Taxes. Join Darla in rising to the occasion of restoring this country, united, one nation under God.

Courtesy of Liberty Alliance.  Damn turncoat RINO, ought to be flogged.

This excerpt from Shark Tank; Thank you Sophomore Congressman Ron DeSantis (R-FL) for this statement – my thoughts Re Congress and Reagan exactly. “X”

What about the voice of the American people?  They get no say in this matter even though they decisively repudiated the President’s policies at the polls just a few weeks ago.  The President’s illegal executive amnesty is bigger than the 1986 amnesty which was actually passed by Congress and signed by President Reagan.  Obama’s arrogance and contempt for the people are breathtaking.

marco rubio cropped shutterstock_180970304

by Javier Manjarres

Presidente Barack Obama has followed through with this threat of signing a sweeping executive amnesty order for illegal immigrants with his primetime TV announcement that he would sign the orders on Friday in Las Vegas, Nevada.

Obama’s move was purely political, as he and the Democrats continue to reel over their 2014 midterm election debacle, knowing that jamming through amnesty for illegal immigration would only serve set up Republicans as anti-Hispanic in the eyes of current, and potentially future Hispanic voters, if and when they decided to challenge the President on his executive amnesty orders.

During his address, Obama mentioned that he would push forward with his executive orders because the House of Representatives failed to, or refused to take up and allow a “simple vote” on the controversial and pro-illegal immigration “Gang of 8″ Senate bill cosponsored by Florida Senator Marco Rubio, which Obama said was a fair “compromise.”

Continue Reading at


The Speech That Sealed JFK’s Fate

Just two days after the 51st anniversary of J.F.K.’s assassination, and my blog post, this revealing item appeared in my inbox, on Kennedy, by Freedom Outpost. The content is rather lengthy to post in its entirety.  I posted a few excerpts; and had to edit a grammatical error found in the text.  I encourage all to check out this astonishing piece.  This is a must read!  “X”

David Hodges 15 hours ago

In June of 1963, JFK called out the elitist war mongers in his famous American University speech. Unfortunately, JFK’s enlightened attitude was a threat to the prevailing establishment and he paid for his idealism with his life five months after delivering the American University Commencement speech.

We have never seen the President championing the virtues of peace and the elevation of the concern for the common man. We will not likely ever see this kind of leadership again. The following excerpts of JFK’s American University speech show us what could have been and why the elite could not handle four more years of a JFK Presidency. For if JFK had lived, the following ideals would have formed the goals of an energized nation.

Here are the words of a young, idealistic President as spoken at American University in June of 1963:

“…So, let us not be blind to our differences–but let us also direct attention to our common interests and to the means by which those differences can be resolved. And if we cannot end now our differences, at least we can help make the world safe for diversity. For, in the final analysis, our most basic common link is that we all inhabit this small planet. We all breathe the same air. We all cherish our children’s future. And we are all mortal

…First: Chairman Khrushchev, Prime Minister Macmillan, and I have agreed that high-level discussions will shortly begin in Moscow looking toward early agreement on a comprehensive test ban treaty. Our hopes must be tempered with the caution of history–but with our hopes go the hopes of all mankind

…Confident and unafraid, we labor on–not toward a strategy of annihilation but toward a strategy of peace…”

Vietnam was potentially a huge cash cow to the establishment elite. Chrysler Corporation received 90% of all US defense contracts in 1963, mostly in a middleman capacity. Bell Helicopter and Chase Manhattan Bank would reap record profits from the Vietnam War. Unfortunately for the elite, JFK was growing more isolationist. He became a changed man following the Cuban Missile Crisis as this event shook him to his core. He feared putting the US in military situations that could result in another confrontation with the Soviets. In 1963, JFK had announced that he was bringing home all combat advisers in 1965. JFK and South Vietnamese President, Diem, agreed that America would never send ground troops to Vietnam. Diem and his brother were assassinated by the CIA and 21 days later, JFK was dead. Nine months following these assassinations, America sent 100,000 ground troops to South Vietnam following the now discredited, false flag event known as the Gulf of Tonkin incident and the elite bathed in their blood money.

If JFK had lived, so too, would have 58,000 Americans and untold millions of Vietnamese. If JFK had lived, we would not have spent two trillion dollars on nuclear arms. The money could have been spent, as JFK suggested, on education. America might not have become the hopelessly dumbed down nation that it has become. If JFK had lived, the Federal Reserve would have eventually gone the way of the two previous central banks in the United States. The US Congress would have retaken the constitutional power of coining money, interest free money. America would have remained solvent.


JFK Killed After Shutting Down Rothschild’s Federal Reserve –

On June 4, 1963, a virtually unknown Presidential decree, Executive Order 11110, was signed with the authority to basically strip the Rothschild Bank of its power to loan money to the United States Federal Government at interest.

With the stroke of a pen, President Kennedy declared that the privately owned Rothschild Federal Reserve Bank would soon be out of business. The Christian Law Fellowship has exhaustively researched this matter through the Federal Register and Library of Congress.

We can now safely conclude that this Executive Order has never been repealed, amended, or superceded by any subsequent Executive Order. In simple terms, it is still valid.

When President John Fitzgerald Kennedy signed this Order, it returned to the United States federal government, specifically the Treasury Department, the Constitutional power to create and issue currency – money – without going through the privately owned Rothschild Federal Reserve Bank.

The Federal Reserve

A myth that all Americans live with is the charade known as the “Federal Reserve.” It comes as a shock to many to discover that it is not an agency of the United States Government.

The name “Federal Reserve Bank” was designed to deceive, and it still does. It is not federal, nor is it owned by the government. It is privately owned. It pays its own postage like any other corporation. Its employees are not in civil service. Its physical property is held under private deeds, and is subject to local taxation. Government property, as you know, is not.

It is an engine that has created private wealth that is unimaginable, even to the most financially sophisticated. It has enabled an imperial elite to manipulate our economy for its own agenda and enlisted the government itself as its enforcer. It controls the times, dictates business, affects our homes and practically everything in which we are interested.

It takes powerful force to maintain an empire, and this one is no different. The concerns of the leadership of the “Federal Reserve” and its secretive international benefactors appear to go well beyond currency and interest rates.

Executive Order 11,110

President Kennedy’s Executive Order 11,110 gave the Treasury Department the explicit authority: “to issue silver certificates against any silver bullion, silver, or standard silver dollars in the Treasury.”

This means that for every ounce of silver in the U.S. Treasury‘s vault, the government could introduce new money into circulation based on the silver bullion physically held there. As a result, more than $4 billion in United States Notes were brought into circulation in $2 and $5 denominations.

$10 and $20 United States Notes were never circulated but were being printed by the Treasury Department when Kennedy was assassinated. It appears obvious that President Kennedy knew the Federal Reserve Notes being used as the purported legal currency were contrary to the Constitution of the United States of America.

“United States Notes” were issued as an interest-free and debt-free currency backed by silver reserves in the U.S. Treasury.

Jacob Rothschild

We compared a “Federal Reserve Note” issued from the private central bank of the United States (the Federal Reserve Bank a/k/a Federal Reserve System), with a “United States Note” from the U.S. Treasury issued by President Kennedy’s Executive Order.

They almost look alike, except one says “Federal Reserve Note” on the top while the other says “United States Note”. Also, the Federal Reserve Note has a green seal and serial number while the United States Note has a red seal and serial number.

President Kennedy was assassinated on November 22, 1963 and the United States Notes he had issued were immediately taken out of circulation. Federal Reserve Notes continued to serve as the legal currency of the nation. According to the United States Secret Service, 99% of all U.S. paper “currency” circulating in 1999 are Federal Reserve Notes.

Kennedy knew that if the silver-backed United States Notes were widely circulated, they would have eliminated the demand for Federal Reserve Notes. This is a very simple matter of economics. The USN was backed by silver and the FRN was not backed by anything of intrinsic value.

Executive Order 11110 should have prevented the national debt from reaching its current level (virtually all of the nearly $9 trillion in federal debt has been created since 1963) if LBJ or any subsequent President were to enforce it.

It would have almost immediately given the U.S. Government the ability to repay its debt without going to the private Federal Reserve Banks and being charged interest to create new “money”. Executive Order 11,110 gave the U.S.A. the ability to, once again, create its own money backed by silver and realm value worth something.

Again, according to our own research, just five months after Kennedy was assassinated, no more of the Series 1958 “Silver Certificates” were issued either, and they were subsequently removed from circulation. Perhaps the assassination of JFK was a warning to all future presidents not to interfere with the private Rothschild Federal Reserve’s control over the creation of money.

It seems very apparent that President Kennedy challenged the “powers that exist behind U.S. and world finance”.

On November 22, 1963, JFK was shot dead in Dallas, Texas, in extremely strange circumstances. Phyllis Hall, a nurse who was part of desperate attempts to save the life of President John F Kennedy after he was assassinated has claimed he was shot by a “mystery bullet.” There is also strong evidence involving Lyndon B. Johnson (The following USA President) in the assassination conspiracy. –

See more at:

Note – # 30 is a hoot – Anyone know why you’d rotate ammo? (I do) “X”

November 19, 2014

This article has been contributed by Daisy Luther. Visit The Organic Prepper and check out Daisy’s book The Pantry Primer: How To Build A One Year Food Supply In Three Months.

45 More Signs That You Might Be One of Those Crazy Preppers

A while back, I wrote an article called 30 Signs That You’re One of Those Crazy Preppers.”  Lots of readers got into the spirit of things, since it was pretty darned relatable.  We all know these are actually signs of sanity, but we’re used to being misunderstood by the unprepared and sometimes it’s fun to have a good laugh about their misconceptions of what we actually do.

Then Ebola happened, here on American soil, and a lot more people jumped on board the preparedness bandwagon.  To welcome the newbies, here are 45 MORE signs that you might have crossed over to the “prepped side.”  (Many of these came straight from the readers!)

Many of these will be things that non-preppers just can’t understand, but they’ll probably give you a warm glow. Feel the prepper solidarity!

  1. You spend your days off digging an underground bunker in your backyard.
  2. You have more than a thousand cheapo lighters that you purchased in bulk, stashed away in the back of your linen closet.  Oh…and you don’t even smoke.
  3. You eat a lot of ‘survival food’ now, so there is no ‘system shock’ when you are forced to eat only the items you have stocked (or that you GROW – hint hint).
  4. You stock alcohol in mass quantities so you can stay drunk after the SHTF.
  5. You stock alcohol in mass quantities – and you don’t even drink. (Barter, baby!)
  6. You know what? Forget stocking alcohol.  You have your own still.  You’ll make alcohol.
  7. You have enough salt to create another Dead Sea.
  8. You have a forest’s worth of firewood cut, stacked, and seasoned.
  9. You purchased 50 of these already for stocking stuffers for your friends/family/workmates/neighbor/random stranger.
  10. Speaking of Christmas, you gave Conflicted to everyone last year.
  11. When your friends ask about your favorite authors, instead of Hemmingway, Tolkien, or Kerouac, you get a blank stare when you tell them it’s John ‘Lofty’ Wiseman.
  12. You know exactly how many Mountain House buckets it takes to make a base for a single bed.
  13. You don’t stock up on milk. You get an actual cow.
  14. Your family doesn’t dare take something from the food stockpile without marking it off the list.
  15. Your kids know how to don a gas mask in 30 seconds.
  16. It’s not laser tag or paintballit’s tactical training.
  17. Everyone in your survival group carries the same firearm so that ammo is standardized.
  18. You have non-electric versions of appliances like wheat grinders, washing machines, and coffee makers.
  19. You yell at the TV every time a commercial for Doomsday Preppers comes on.  Oh. Wait. You don’t have a TV. But if you did, you’d yell, because you know how positively ridiculous and unrealistic that show is.
  20. Your family is no longer surprised when you announce, “Hey, we’re going to learn how to make (insert anything here)!”
  21. You have more how-to books stored on hard-drives than most public libraries have on the bookshelves.
  22. Your children have a plan to bug out from school.
  23. Alternatively, you homeschool and bugging out is part of the curriculum.
  24. You have more than three ways to cook dinner if the power goes out: a woodstove, a barbecue, a sun oven, a fire-pit, and/or a volcano stove.
  25. First Blood and Red Dawn are basic training films for your family.
  26. You have long since accepted the idea that if you’re not on someone’s list, you’re probably not doing it right.
  27. Your 7 year old knows Morse Code.
  28. You’re secretly disappointed when the electricity comes back on after only a few minutes.
  29. You know more ways to make a homemade knife than the entire population of your local prison combined.
  30. You don’t just rotate food, you rotate ammo.
  31. You know the distance from your door to your front gate is precisely 207 yards.
  32. Moving to a new house is no longer “moving”, but strategic relocation“.
  33. You have mapped out at least 3 different routes by car and 2 different routes on foot to get to your bug-out location.
  34. You know the difference between “Tyvek” and “Tychem” suits, and in which instance they should be used.
  35. Ditto the finer points of N-95  vs. N-100 masks.
  36. You watch The Walking Dead in order to critique their survival tactics. (And you were secretly delighted to see Beth building a fire in a Dakota pit.)
  37. Speaking of fire, you can start one in at least 3 different ways, and you always carry a lighter, a fresnel lens, and a magnesium firestarter.
  38. You have two (or more) of everything important, well, because “one is none.”
  39. You have a decoy food supply.
  40. Your kids think it’s a fun game to see who can find the most potential weapons in a room.
  41. Even your dog has a bug out bag – which she carries herself.
  42. You have elected NOT to purchase greater armament, because you plan on upgrading with your future assailant’s weaponry.
  43. Your EDC includes a knife, firearm w/extra mag, flashlight, mylar blanket, Chapstick, and an ounce of silver — and that’s just for when you’re walking the dog.
  44. The trunk of your car has enough supplies to carry you through an entire week during a major blizzard.
  45. One criterion for your new winter coat is that it fits over your body armor.

Can you relate?  What are some other signs you might be a “crazy prepper”?


The Pantry Primer

Please feel free to share any information from this article in part or in full, giving credit to the author and including a link to The Organic Prepper and the following bio.

Daisy Luther is the author of The Pantry Primer: How to Build a One Year Food Supply in Three Months.  Her website, The Organic Prepper, offers information on healthy prepping, including premium nutritional choices, general wellness and non-tech solutions. You can follow Daisy on Facebook and Twitter, and you can email her at

Among the many fights we are engaged in is the continual attack on Christian values by the aggressive homosexual lobby. This issue must be addressed; I’m not a parent; have no family, but the reprehensible nature of their agenda is beyond my ability to further comment and remain civil.

This e-mail from Mass Resistance; please go there (More link) and sign their petition. “X”

Just posted on the MassResistance website:

Fight back this week against corporations funding ‘gay’ attacks on children, families, & society.

Huge fundraising banquet for homosexual agenda in Boston this Saturday! You can take action now! More

Here’s an example of what major corporations are funding in elementary schools across the country!


 Banks have many ways to make extra money from their customers. Below you’ll find the 10 most common bank rip-offs, along with actions you can take to protect yourself. (We compiled this list from The Wall Street Journal and Listverse.)

1. Fees for lines of credit

Even if you don’t use them, banks can charge you for lines of credit. U.S. Bank allows you to set up lines of credit to help with overdraft protection. If you use it, the APR is 21.9%. At TD Bank, a line of credit for overdraft protection on your checking account has an annual fee of $25 and a $10 per day charge. A home equity line of credit (HELOC) at TD Bank costs $50 annually plus whatever the rate is.

How to Protect Yourself: Not all banks will charge you if you are not using the line of credit. I have a line of credit with Bank of America for which I’m charged 3% plus LIBOR on what I use, not the full line. If you are considering a line of credit, make sure you will pay only on money borrowed.

2. Low interest rates on savings

Most savings accounts have pitiful interest rates. Inflation eats away your money if it’s sitting in an account earning 0.11%.

The bank doesn’t care. It can borrow money at the Federal Funds Rate (0.25%). And then turn around and “invest” that money in U.S. Treasury bonds paying 3%. Easy money for them. They don’t need yours.

How to Protect Yourself: Keep only as much money in your bank as you need for routine transactions. Put the bulk of your cash in either a brokerage account or, if you have decided to open an Income for Life policy, in that.

[An Income for Life policy is an account where you can earn up to 5% per year. We created a special report that talks all about it. Click here for details.

Call your bank or go online and link your checking and/or savings account(s) to your brokerage account. Set up automatic transfers so that you don’t keep too high a balance in checking or savings.

3. Special offers and aggressive sales techniques

To maximize profits, banks sell a variety of expensive financial products. These products include credit cards and loans as well as managed money services. If you keep a substantial balance in your accounts (for business or personal reasons), you will be regularly pitched on the advantages of using their services.

You may want to use such services from time to time, but be cautious. More often than not, you will discover that there are substantial costs associated with them, some of which may not be apparent from listening to the sales pitch or doing a quick read of the sales materials.

One common trick is to offer a low introductory rate on a credit card that jumps to 18% or 20% in a matter of months. Another ruse is offering a loan with a rate that is initially discounted but then climbs without notice.

How to Protect Yourself: Be skeptical. Assume that “special offers” are especially good for the bank and not so good for you. Ask about costs in very direct ways. Ask questions like, “Is this the full and complete cost or are there others?” or, “Are there any other terms I should be aware of?”

If you are introduced to the bank’s investment advisor, think of him as a salesman, not as an expert that knows more than you do about what you should do with your money. Ask questions, the dumber the better. Then follow up on those questions by asking for the answers in writing.

4. “Talk-to-a-human” fees

Some banks charge you to use tellers. Bank of America, for example, has an online-only account. If you use a teller, you pay an $8.95 per month transaction fee. If you have PNC’s “Virtual Wallet” account, you pay $7 per month to use a teller.

Other banks charge you for talking to a representative on the phone. At PNC, calling a customer service rep to make transactions instead of doing them online costs $2-3. At Union Bank, it costs $1.50 per month to be at the front of the telephone queue.

These fees are not scams. Banks have a right to charge them. Still, they allow the banks to make money from their customers on top of the big money they make from the saving/lending spread discussed above.

How to Protect Yourself: Ask your bank for an account that does not have a fee to talk to someone in person or on the phone. If they do not have one, look for an online bank at Bankrate. Alternatively, you could try a credit union. You can look for one in your area here. If there is not one in your area, you may be able to find a good one online.

5. Overdraft fees

Banks often charge a penalty when you bounce a check or withdraw more money than you have in your account. According to a recent study from Moeb’s Services, an economic services firm, the average overdraft fee is $30. Bank of America charges $35. TD Bank, $36.

Banks can also charge an additional fee as long as the account remains in arrears. And they often do charge this extra fee, sometimes as much as $5 or $10, on a daily basis.

Banks will tell you that it costs them money to deal with overdrafts, and it surely does. But I don’t believe for a moment that it costs them, on average, $30 per transaction. My guess is that they see overdraft penalties as a profit center in and of itself.

How to Protect Yourself: Set up overdraft protection by asking your bank to link your checking account to a savings account or credit card. If you overdraw your checking account, money will pull from your savings account or charge to your credit card. The most common fee you’ll pay here is a transfer fee of around $5. Not optimal, but far better than $30-plus for an overdraft.

Another solution is to always keep “extra” cash in your checking account as a buffer.

6. Credit card fees

Credit card issuers charge cash advance fees, statement copy fees, and several other fees.

Some banks charge an annual fee for the mere “privilege” of using their card. Normal fees range from $35-$95. The American Express platinum card will set you back $1,250 per year. And then there are the elite cards… such as the invitation-only American Express black card: $5,000 up front and $2,500 per year.

There are some advantages to having an elite card. But you should determine their value and make sure you can make use of them before paying for the card. I have an AMEX black card, and I’ve been trying to make it pay for about 10 years.

I get lots of additional airline miles when I buy things with the card. I get upgrades and discounts at hotels. I get various little benefits here and there. And I have access to a concierge service that is friendly but seldom gives me real deals.

Bottom line: It’s not paying for itself. The only reason I still have it is because it gives me an ego-boost to use it. I’m going to see a shrink about that. The irony is I’d probably pay her with my black card for my issues with the damn thing.

How to Protect Yourself: Choose a credit card that does not have an annual fee. Check Bankrate and Consumer Reports for reviews of the best cards.

Note: In May 2009, Congress passed the Credit Card Accountability, Responsibility, and Disclosure Act (aka the Credit CARD Act). The goal was to reduce unfair and confusing industry tactics by providing “basic standards of fairness, transparency, and accountability.” And it worked. It not only made the cost of credit cards clearer to consumers, it helped reduce late fees, stop credit card companies from jacking up interest rates, and virtually eliminated over-limit fees.

7. Currency conversion fees

Want to swap dollars for euros… or any other currency? You have to pay the bank a fee. And issuing banks usually charge fees for making foreign purchases with their credit cards.

According to Bankrate, Visa and MasterCard have a standard 1% fee for foreign purchases. Then the banks that issue those cards add another fee onto that. Fees can reach up to 4%, according to Wells Fargo, for instance, charges a 3% foreign currency conversion fee on credit card purchases.

If you use your debit card, the fee can be less. HSBC, for example, charges 1% on foreign debit transactions.

How to Protect Yourself: Call your credit card company and bank and ask if there are fees on foreign transactions. Ask if they can waive them. When converting currency overseas, go to a bank. It’s cheaper than the currency exchange counter at a hotel or the airport.

You can also use ATMs, which will probably give you the best rate of exchange. But then you will get hit with out-of-network ATM fees and conversion fees. And the owner of the foreign ATM may charge a fee.

Many banks charge higher fees for international ATM withdrawals—either a flat rate (typically $1-6) or a set percentage of your total withdrawal (usually 1-3%). Check with your bank before each trip abroad, as these fees can change often and without warning. And because these small fees can add up quickly, consider withdrawing larger amounts than you normally might (for fewer transactions at the ATM).

Another alternative is traveler’s checks. These work like cash. You can replace them at current exchange rates if you lose them. And, in many places, you don’t have to pay a fee to use them. Plus, they don’t expire… and are available in many different currencies.

8. Checking account fees

Most banks did away with checking account fees a long time ago. But after the 2009 meltdown, some have gone back to charging them. Bank of America, for example, charges $12 per month. PNC Bank charges $7.

Some banks also have minimum balance requirements. TD Bank, for example, makes you keep a $100 balance in your checking account to avoid a monthly fee. Bank of America requires a $1,500 balance.

And many banks now charge a fee for monthly paper statements.

How to Protect Yourself: Make sure your bank doesn’t charge a checking account fee. Watch out for minimum balance requirements. If there is a fee, ask about having it waived.

Some brokerage firms, like Fidelity Investments, offer a Cash Management account that acts like a checking account with no fees. They have free checking and free online bill paying. They even reimburse ATM fees worldwide.

Ally Bank also has free checking with no minimum balance and no maintenance fees.

To avoid paper statement fees, have your statements delivered digitally. You’ll have an online archive that you can always go back to. And if you ever need a copy of a particular statement, you can simply print it out.

9. ATM fees

Need cash but you’re not near a local branch of your bank? You can use another bank’s ATM. But watch out. Fees range from $2-$5, sometimes more. And your bank may charge an additional fee.

How to Protect Yourself: These fees shouldn’t affect you much if you’re diligent.

You can use a credit or debit card instead of cash. If you use an ATM that is in your debit card’s network, you may not be hit with a fee. And if you have a debit card issued from an online bank, the online bank may reimburse ATM charges to the tune of $15 (or so) per month. USAA, for example, does this.

If you need to transfer cash to someone (perhaps when splitting a check with friends), use a service like ClearXchange (a joint venture between Bank of America, J.P. Morgan Chase, and Wells Fargo), PayPal, or one of the available smart phone apps.

Or just carry cash when you know you’ll need it.

10. Account closeout fees

Banks can charge a fee if you close your account within a given period of time, say, 90 days. Some require six months’ notice. Fees range from $5-$25.

How to Protect Yourself: If you’re thinking of closing an account, ask your bank if they charge a fee to do it. If you have two accounts at the bank, you may be able to transfer all of your money to one of them and avoid the fee.

Six Tips for Keeping Your Bank Accounts Safe

1. Choose a PIN that’s hard to guess.
“X” here – Forget “paperless”; be responsible and keep only the recent statements you might need. I don’t bank online, or pay other bills online. If the Gov’t and other org’s have been hacked, (they have) realize that their security measures are better than ours, but they were still victimized, and your vitals are at risk as well when this happens. Go to your local branch to pay your credit card, or make other transactions!
2. Shred or destroy your old statements. Better yet, go paperless.

3. When accessing your account online, do so only from your home computer. You never know how secure a public or free wireless network is.

4. Use a complex password to access your online account. Don’t worry about forgetting it. A program like LastPass (free) or RoboForm (paid) will remember it for you.

5. Don’t respond directly to emails that look like they are coming from your bank.

6. If someone from your bank calls, tell them you’ll call them right back. Then call them at the number listed on their website or on the back of your card.


Like brokerages and insurance companies, banks provide useful services. But also like their financial cousins, they make a profit by charging fees and commissions that are sometimes unreasonable and often unclear.

I have at least a dozen accounts with my primary bank and several accounts with smaller banks. At my primary bank, I get responsive, personal service from a small group of people, including the branch manager. They want my business so they work hard to keep me happy.

But that doesn’t mean I can accept whatever it is that they offer me in terms of rates, conditions, and terms. To ensure that I’m well treated I have to remain vigilant. I have to ask questions, read the fine print, and challenge them when I don’t like what I discover.

Your leverage with your bank will depend partly on how big the bank is (larger banks tend to be less flexible in some ways) and how valuable a customer you are. It may not be the branch manager, but you should have someone at your disposal who will work hard to keep you happy.


Mark Morgan Ford
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