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Pension Panic

02 Aug

City of Detroit

Mel Brooks' Blazing Saddles:  "One more step . . . and the nigger gets it!"

Mel Brooks’ Blazing Saddles: “One more step . . . and the nigger gets it!”

On July 18, Detroit’s $18.5 billion bankruptcy became the largest U.S. bankruptcy ever. (OK, maybe not “ever”–but at least, “so far”.)

The Detroit Free Press (“Detroit: Snapshot of a City in Trouble”) described the bankruptcy as marred by “legal wrangling . . . that will involve more than 100,000 creditors, which include the Police and Fire Retirement System and the General Retirement System and its 20,000 retirees.”

Detroit’s emergency financial manager Kenneth Orr offered government retirees some temporary relief, promising:

“We have made a decision that for the balance of this year, the next six months, we’re not touching pension or health care.  So all pensioners, all employees you should understand: It’s status quo for the next six months.”

Yay!  The former Detroit government employees will continue to receive their pensions for the next six months!!!!

But, after that, no more promises.

How’d you like to be retired, dependent on your pension to support you for the rest of you life, and learn that your pension payments were only guaranteed “for the next six months”?  How different is six guaranteed months of pensions from a doctor’s “guarantee” to a terminally-ill patient that he’s got six months to live?  Would either “guarantee” be cause for celebration or alarm?

“Orr has not yet specified the cuts to pensions he will seek through the bankruptcy process. He has proposed freezing pensions and moving workers to a 401(k)-style plan to help alleviate the pension systems’ unfunded liabilities of $3.5 billion [almost 20% of the City’s total debt].  He also wants to move retirees to Medicare or health care exchanges being set up through the Affordable Care Act.”

Thus, part of Detroit’s bankruptcy plan is to dump city retirees’ health care costs on the feds.

Michigan Governor Rick Snyder said Detroit had reached “the end of the line”; that the city was “done in” by 60 years of “residential and business flight to the suburbs, loss of its manufacturing base, chronic overspending and mismanagement and corrupt leadership, all reaching a climax as the economic meltdown and the national housing crisis hit.”

In essence, the people of Detroit have seen their lives ruined by 60 years of big and bad government.  That’s why Detroit—which, in A.D. 1950, was America’s 5th largest city with a population of 1.8 million—is today America’s 18th largest city with a population of 700,000.  In the same time that America’s population more than doubled from 150 million to 310 million, a big, bad, corrupt and greedy government helped drive over 1 million productive people (55%) out of Detroit.

  In “Virtually Unreported: Detroit’s Bankruptcy Came With Sky-High Tax Rates, Not ‘Small Government,’” Newsbusters agreed.

“[Although] MSNBC’s Melissa Harris Perry claimed that Detroit’s bankruptcy is a result of ‘when government is small enough to drown in your bathtub,’ . . . The truth is that Detroit has had quite a large government, . . . frightening rates of violent and nonviolent crime, incredibly awful schools, and a race-based culture that the press once praised. What is far less appreciated is what Detroit did to chase citizens and businesses out of the city in the form of sky-high taxes.  In 2012, Detroit’s income tax was the highest in Michigan by far . . . .  The following graph illustrates how Detroit’s property tax rates compare to the average of the 50 largest other cities in the U.S.:”

Detroit Property Taxes

The chart suggests that, generally speaking, Detroit’s recent tax rates have been two or three times higher than the national average.

Under the leftist political and financial model of “big government,” people and businesses are expected to accept all tax increases gracefully, just follow orders, pay them, and go on with life and business as usual. But, the reality is that the people don’t accept high taxes but instead try to leave the taxing jurisdiction or simply refuse to pay those taxes.

The city government’s incompetence, corruption and mindless greed chased Detroit’s most productive private-sector members (on which the government predates or at least depends) out of the city.

Result?  Detroit caved under the weight of big government—including the weight of pensions for government retirees who used to gloat over how “sweet” it was to work for the government.

Now, government retirees who once expected a lifetime of generous pensions have just six months of pension security.  After that, they might receive as little as ten cents for every pension dollar due.

I guarantee that Detroit’s government pensioners won’t be gloating this time next year.

City of Chicago

According to the Chicago Sun-Times (“City of Chicago’s cash cushion plummets, debt triples, arrests drop, water use rises”), Chicago isn’t as bad off as Detroit is, but it’s not be so far behind, either.

“Last week, Moody’s Investors ordered an unprecedented triple-drop in the city’s bond rating, citing Chicago’s ‘very large and growing’ pension liabilities, ‘significant’ debt service payments, ‘unrelenting public safety demands’ and historic reluctance to raise local taxes . . . .

“Mayor Rahm Emanuel closed the books on 2012 with $33.4 million in unallocated cash on hand—down from $167 million the year before—while adding to the mountain of debt piled on Chicago taxpayers . . . .  Experts recommend a cash cushion of at least $200 million for a budget the size of Chicago’s, according to the Civic Federation.

“Budget Director Alex Holt blamed the $133.6 million drop on ‘honest’ budgeting . . . .”

Omigosh!  So it’s come to that, has it?  Chicago’s city government is so nearly insolvent that they’ve finally been forced to resort of “honest budgeting”?!!  Richard Daley and Al Capone must be rolling in their graves.

“Let’s be straightforward about what we’ve got to spend . . . . This is about matching revenues with expenses. You don’t want to over-tax people.”

Heaven forfend!  Government never wants to overtax today’s voters ‘cuz that might make the voters mad enough to throw some of the crooks out of public office.  However, government will go merrily borrow so much money as to leave an endless, unpayable debts for today’s children.  But borrowing isn’t the same as overtaxing our children because . . . um . . . uh . . . .  well actually . . . when you stop to think about it . . . leaving all those debts to future generations is overtaxing them, isn’t it?

“The new round of borrowing brings Chicago’s total long-term debt to nearly $29 billion. That’s $10,780 for every one of the city’s nearly 2.69 million residents. . . . Last year, now-retiring City Comptroller Amer Ahmad argued that the city’s debt load was not ‘troubling’ because, ‘We still have a very strong bond rating. Our fiscal position is getting better every year and we are aggressively managing our liabilities and obligations.’”

In other words, a year ago, the city government’s attitude was Why sweat the bills so long as the credit card still works?  Chicago (like Detroit and the federal gov-co) expected that it could simply borrow, borrow, borrow and spend, spend, spend its way back to prosperity and economic stability.

However, today, (when City Comptroller Ahmad is going to “retire”—perhaps like a rat leaving a sinking ship) Chicago’s “fiscal position” is clearly not “getting better”.  In fact, since Moody’s imposed a “triple-drop in Chicago’s bond [credit] rating,” Chicago’s access to easy credit is bye-bye.

Now what?  A politician without access to credit is merely a windbag.  A government without access to easy credit will be despised.

A year from now, Chicago’s “fiscal position” should be worse.  At some point in the foreseeable future, the Chicago’s “fiscal position” may collapse just like Detroit’s.

“Unkeepable” Promises

It’s important to understand that it’s not “Chicago” that’s going broke—it’s the government of Chicago that’s going broke.  The public confuses the city government’s debt with the people’s debt.  Government, of course, wants that confusion. Government wants people to believe that its debts are their debts.

But as the people of Chicago (like those of Detroit) begin to sense that confusion, some will resist paying the city’s debts and thereby going into personal poverty and bankruptcy.  Others, forced into a declining standard of living by government mismanagement will simply be unable to keep paying more taxes to support bigger and bigger government.

The result is that Chicago’s government is increasingly unable to raise taxes to pay the governments existing debt or to pay for additional debt.  If government raises taxes, it’ll antagonize the city’s voters.  More antagonism will lead to more tax resistance.

As government’s ability to raise taxes or borrow falls, government will be caught between the rock and the hard place.  The rock is the fact that government doesn’t produce anything and therefore can’t work itself out of debt; it must rely on its residents to somehow pay its debts.  The hard place is the fact that the most prosperous residents have fled, the remaining residents are too impoverished to pay government’s debts.  Therefore, government can’t raise taxes or borrow enough more money to support its extravagant promises.

Result? Promises must be broken.  And where will those promises be cut first?  Government pensions.

If government cuts the costs of services currently provided to the people, the people might riot.

If government cuts the wages paid to current government employees, those employees may strike.

But if government cuts pensions paid to former government employees, who will strike?  Who will riot?  Many city retirees don’t even live in Chicago anymore; they’re down in Florida or perhaps even Costa Rica and they can’t get to Chicago for a mass protest.  Many of the former government workers are too elderly to riot or protest.

And who, other than former government employees will have any sympathy for retirees who lose their pensions?

The private sector won’t care because, if they do, their concern will only cause them to pay higher taxes to support the retirees.  (In fact, many private-sector people would take some secret pleasure in knowing that the former government workers—who enjoyed fat pensions and early retirements—have to take it in the neck.)

Current government employees won’t stand up for former government workers because, if the former workers don’t take pension cuts, current government workers will have to take a pay cut.  Can’t have that.

Thus, there’ll be little public sympathy for former government employees who suffer pension cuts and small probability of significant public protests.

Therefore, when it comes to cutting government costs, cutting government pensions is simply the best and most logical fiscal and political choice.

This isn’t news.  This reasoning is exactly why the City of Chicago has failed (actually, refused) to adequately fund city employee pension funds for years.

This refusal/inability to fund city employee pension plans is why Moody’s recent report noted that Chicago’s “total fund balance at the close of 2012 was $231.3 million and that Chicago has just $625 million in ‘leased asset reserves.’ Had the city fully funded its $1.5 billion ‘actuarially required contribution’ to its four under-funded city employee pension funds in 2012 alone, ‘these two reserves would have been entirely depleted.’”

In other words, if Chicago had fully funded city pensions for just one year, the city government might’ve been bankrupt.

Well, what can’t be paid won’t be paid.  The “clouty” wheels get the grease—and former city employees don’t have much clout (except with Bill Clinton who “feels their pain”).

The logic is inescapable.  The easiest and most politically-acceptable way to cut Detroit and Chicago government costs is to cut former government employees’ pensions.

State of Illinois

The Associated Press (“Comptroller says she can’t pay Illinois lawmakers”) reports that,

“Illinois Governor Pat Quinn cut $13.8 million for legislators’ paychecks from a budget bill earlier this month, saying it wouldn’t be restored until lawmakers addressed the state’s $97 billion pension shortfall. He also suspended his own pay.”

Think about that.

Illinois pension problems are so severe, that Governor Quinn has suspended the pay for state legislators—and even for himself.

I’m reminded of a scene in the A.D. 1974 Mel Brooks comedy Blazing Saddles where Cleavon Little (a black man) is surrounded by an angry mob of whites, pulls his six-shooter, points it at his own head and hollers, “One more step—and the nigger gets it!”  The whites backed off.

Today’s “pension follies” are becoming similarly absurd. If state legislators don’t “do something,” the Governor won’t pay himself.  (Thus, “One more step—and the Governor gets it.”)

But what does Governor Quinn expect the state legislators to do?  They can’t raise taxes.  They can’t cut state services.  They can’t borrow more money. They’re not the Federal Reserve.  They can’t print money out of thin air.  Therefore, they’re screwed.

“Illinois Comptroller Judy Baar Topinka said she has no choice but to withhold lawmakers’ paychecks, citing a precedent-setting court case that bars her from paying state employees without a budget appropriation or court order.

“She said, a ‘serious precedent is being created,’ that was, ‘no way to run government.  Threats, blackmail and inertia may be good theater, but it makes us look ridiculous . . . . It’s time for leaders to lead.’”

She’s right about the “ridiculous”.  But even Comptroller Topinka seems ridiculous when she says “It’s time for the leaders to lead.”

Really?  Lead where?  The “leaders” in the legislature can’t raise taxes, cut services or borrow more money.  So where can they lead?

I’ll tell you where they’ll lead—or at least be forced to go:  back to honesty.  I know that’s an uncharted and terrifying territory seldom visited by politicians—but they’ll soon have no choice but to face the truth.  Politicians have made idiotic promises (pension plans) that can’t be kept.  Government employees have accepted idiotic promises (pension plans) that can’t be kept.  The day has arrived when the “can’t be kept” part can’t be avoided.

Guess what, kids?  Contrary to daddy’s former promises, you won’t be getting a pony for Christmas.

“Illinois’ unfunded pension liability is the worst in the nation because lawmakers either skipped or shorted payments to the state’s five retirement systems for decades. Inaction on solving the pension problem has led to repeated credit rating downgrades . . . .”

 

Note that the pension promises have been ignored for decades.  That means state legislators haven’t recently decided to screw over state retirees.  The policy of screwing state retiree pension plans has been ongoing for decades.

What chance is there that a policy established for decades will be suddenly reversed?  Not much.   Government retirees are the designated sacrificial lambs.

More, the Illinois pension problem may become very interesting because, if it’s true that:

1) Illinois has the worst pension system in the nation;

2) The people of lllinois want their legislators to “do something”;

3)  The legislators won’t be paid until they “do something”;

Then,

4) We will soon see if there’s anything that can be “done” to remedy the situation—or if the pension plan promises are simply irredeemable and worthless.

If Illinois legislators are forced to admit that there’s nothing they can do, the entire Illinois pension system may collapse.  Those who’ve trusted their wealth to the Illinois pension plans will lose their assets.  The national economy might be adversely affected.

More, we can wonder what effect an admitted collapse of the Illinois pension system might have on pension systems across the country.  How many other American pensioners will see evidence that “What can’t be paid, won’t be paid,” panic, and try to escape from whatever pension plan they’re in with however much money that they can grab?

I’ll bet that Illinois Governor Pat Quinn will soon back down from his vow to withhold legislator pay until the legislators “do something”.

I’ll bet that if Governor Quinn doesn’t back down, either State judge will order him to back down, or the federal government will somehow shore up the Illinois pension plans.

But I’m also going to bet that no matter what happens, it’ll soon be common knowledge that the Illinois state pension system is about as bankrupt as the City of Detroit and as insolvent as the City of Chicago.  Once that happens, people in other States will begin to realize how fragile their pension systems may be.

If so, it’s possible that the Illinois (and Chicago and Detroit) pension debacle might precipitate a “pension panic” that spreads to other parts of the USA.

The wheels are beginning to come off the government pension systems.

But even if the Detroit/Chicago/Illinois pension debacles aren’t contagious, it’s only a question of time before another pension debacle in another state or major city precipitates a “pension panic”.

Buckle up.

 

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12 responses to “Pension Panic

  1. Lance

    August 2, 2013 at 8:53 PM

    Government Wealth Disclosure and progression over the years
    by Walter Burien – CAFR1.com – 07/24/13

    Clint Richardson is a sharp cookie!
    I started briefing him back in 2009 to 2010 and I did not have to repeat something twice. He picked up everything, snap, snap, snap. Within a year he took the ball and ran with it to present.

    My National CAFR disclosure started in 1998 and Gerald Klatt (CAFRMan.com) I briefed at the end of 1999, and he as a federal auditor after being briefed on the “collective totals” and massive specialty investment accounts, three months latter after looking and confirming, he called and said to me: “Walter, what we have here in this country is 100% Communism under the guise of a free market capitalist system. The government owns and coontrols everything.”

    I challenged him at that time, being that he was a retired federal auditor of thirty years, to launch a site focused on CAFR surplus reviews. Six months latter he launched http://CAFRMan.com Here is a copy of the first letter Gerald sent me from way back when – http://CAFR1.com/STATES/1KLATT1999-Read.pdf

    Mr. Klatt died on his birthday, July 11th 2004 two months after having put up a fill in the blanks excel CAFR review program for cities, counties, school districts, and states. Here is the “State” CAFR review program I rescued from an archive of his site – http://CAFR1.com/CAFRprograms.html After his death the review programs were stripped from his site by some unknown tactic. (creating that review program could have been the cause of his death. An open source CAFR review program made available to one and all)

    I found out about his death when Gerald’s son from his 1st marriage called me in 2006 being that he could not find his father. I checked his house in Tucson, AZ – Sold. I checked his phone, email, and website information – no longer valid. I then searched the SS death records and discovered he died on 07/11/04. I then called and informed his son from Gerald’s first marriage of his fathers death. The circumstances of Gerald Klatt’s death to me are still UNKNOWN. The son who was living with Gerald Klatt when he died, Skip (Troy) Klatt was an attorney. What happened to him is also UNKNOWN to me. As of 2006 he was no longer registered as an attorney in the US or Canada.

    THE FOLLOWING IS VERY IMPORTANT TO GRASP AND COMPREHEND CLEARLY:

    **No other party from government, organized education, or any political party has ever openly made a CAFR review available to you, or even simple mention of the CAFR out of their own self interest or fear of reprisal DUE TO THE MONEY / CONTROL INVOLVED!

    Tens of thousands of the government gang compile the many CAFRs each year and billions are spent to do their accounting. REALIZE the SCOPE AND SIZE, COOPERATIVE EFFORT, and money (wealth) involved for not a peep of their Holy Grail of accounting for over 65-years. All of the following were included in with disclosure and the reports sent to them for over 40-years but not a peep: The syndicated media; controlled education; both primary political parties; and the tens of thousands of elected and appointed government officials. Kinda like the Catholic church never mentioning the Bible.

    Gerald Klatt was the “only” individual as a prior or current government individual that openly broke the “Silence is Golden” rule. People NEED to grasp this point solidly, kick themselves in their own you know what, and run with CAFR disclosure to every corner of the Earth so all other become aware. And yes, it is the accounting standard in most countries around the world now.

    Ever hear Ron Paul mention the CAFR or put links to download any of the many CAFRs from his home state of TX? No, he knows the reprisals that would happen if he did. Keep in mind he has been on the Finance Committee most of his career. He reviews the CAFRs each year in as such. I do not blame him for not a peep, he has his neck stretched out as it is. He is not going to intentionally commit suicide triggering the axe falling and chop it off. He has to much visibility and the repercussions would have been swift and decisive if he had. They would have taken him out so fast he would not have known what hit him.

    Realize that all are up against the largest racketeering syndicate the world has ever known, all with it being right there under everyone’s noses, but the majority in their intentionally designed masterful entertainment and distraction away from the basics (total cash income, investment totals, massive growth each year) keep scratching their heads saying: “There is something wrong here but I just can’t put my finger on it.”
    Well, my analogy to that is like someone sitting in a row boat in the middle of the ocean saying to themselves over and over again: “I know there is water around here some place and if I keep looking, I know I will find it!”

    Please Copy from the archives Mr. Klatt’s CAFR reviews for your state and distribute to all responsible parties within your state. Read and learn from the archives of his linked pages.

    From his front page read the following: http://cafrman.com/ReviewProcess.htm
    Use the example of his work to conduct your own CAFR reviews. Do a Google search for CAFR “and” your local City, County, School District, State University, State Retirement Fund, etc., download their CAFR reports and do reviews for yourself. Mr. Klatt can no longer do it for you and it appears no one else from within government will do it for you either. They are much to busy spending and taking your money. Also to include you in the “loop” it appears to be a violation of their exclusive club rules…
    STATE CAFR Reviews – If all local governments CAFR reviews from “within the state” were included in with the state reviews, potential surpluses would be massive, and much greater!

    Per Detroit, pay special attention to the following:

    If you take a look at why they say they are broke, what they are doing is extending the pension and other liabilities out 30-years as if a liability to be paid in full today. They funnel off much of their “annual” budgetary funds to meet 100% funding today and is why the buzz word of “in debt” and “pensions short”. ** They only project out their income 1-year and project liabilities out 30.

    And they do so to create the largest base of investment funds on all levels at their disposal.

    Every investment fund large or small is a “Power Base”. Where those moneys are invested determines who’s real-estate; corporation’s venture; or cash loans are funneled into, domestic “or” internationally. “Collectively” between all local and federal, they are sitting on 110-T + as of 2007.

    Also take a look at Clint’s article – http://realitybloger.wordpress.com/2013/07/20/detroit-the-latest-bankruptcy-lie/

    TREASON: “Treason doth never prosper; what’s the reason? For if it prosper, none dare call it treason.” Sir John Harrington, 1561-1612

    On a last note per my objective to take a 2-week extended trip to Washington DC, please read the following – http://CAFR1.com/MrSmith.html it notes what my largest expense will be and why.

    Truly yours,

    Walter Burien – CAFR1.com
    Tel. (928) 458-5854

    PS: ** Government was NOT supposed to operate at a profit. How did they get around this restriction?

    ANSWER: If for example a city had a 100-million dollar profit for the year from any of its operations, at a stroke of a pen they create or deposit into a “liability fund” and poof, there goes the profit re-designated now as a liability.

     
  2. pop de adam

    August 2, 2013 at 9:23 PM

    If someone were to look at their paycheck and see that fifty percent were missing, someone might suppose there were another, quite like themselves recieving the same, although never expending quite the same effort to attain it. Why would anyone wish to do this?

     
  3. Jetlag

    August 2, 2013 at 11:50 PM

    Detroit had big government issues even in its heyday of the 1950s, when it enjoyed the nation’s highest per capita income. In fact, Detroit’s economic success, which was global in scale, was largely due to the ties it formed with big government during World War II, when the city was designated a main “arsenal of democracy” in the war effort.

    The bankruptcy of Detroit was an inevitable consequence of its loss of middle-class jobs caused by outsourcing and the corporate malfeasance that almost bankrupted the US auto industry itself in 2009. After their jobs left, the middle-class did likewise, as did the civic responsibility which is usually the task of the middle-class to maintain.

    The abandoned city then imploded under the weight of its newly acquired poverty and corruption. Since it started out so wealthy, Detroit was able to delay the day of reckoning for a while, but reality finally caught up with it.

    Reality also caught up with AIG and other financial institutions. But will a bailout window be opened at the Fed because a major American city is “too big to fail”, as was done for AIG etc? Don’t count on it.

     
    • hogorina1

      December 21, 2014 at 2:25 PM

      THE MYSTERY OF INIQUITY
      Mr. Jones perpetually keeps me off from expression on his website. The most dangerous threat to our republic is of a spiritual nature between three major so-called tax-free institutions. This is what is really a major tragedy, as a pseudo-democracy in the hands of internationally combined financiers are an alliance with an invisible anti-social insignificant movement, of which has an
      invisible machine as shakers and movers, with major control over the religious empire, which slawons and slurks amidst the intelligentsia of pulpit-pounders, in the name of man-made gods. To dissect Satan’s intrigue brings disaster to individuals. Obviously, to stay aloft one must pound the kettle and speak obligingly. This is a war between steeples and a cross, not drones and gunpowder.

      HOGORINA ATTACKS ALEX JONES
      Your mail was carefully considered and read with great interest, There is
      no way that i can counter your views. As far as Mr. Jones goes i have
      nothing personal against him. Only when he used the butt word was he
      actually sublimating without meaning so. Hundreds of perverts patrol these
      sites to enjoy the fact that millions of people do not comprehend
      sublimation. This is a master tool of Hollywood and their masters of
      deception in promoting language designed to arouse and open up listener’s,
      or reader’s minds, to unconsciously
      dwell upon erotically repressed sexual desires. Here, Jones is doing the
      work of his invisible handlers–radio and national news industry owners and
      investors. This method of perversity that has a foundation back to Adam
      and Eve, when a ( viper ) talked with Eve, in a warning that their would be
      a war between his seed and her seed’ Mind you,this so called viper might
      have been a man in a spiritual body or an apparition, for Christ called his
      enemies dogs, vipers, etc .In several hundred years Noah constructed his
      Ark. Phallus worship was the going thing until the almighty reacted in
      drowning the then mankind that loved perversion, lowering the natural man
      more than the good life that was given to our former Mother and Father.
      Today, phallus worshipers control America. These are the contemporary
      descendants ancient Esau, God’s worst enemies. The late President Herbert
      Hoover, a Quaker, warned in his biography in 1947 that the American people
      were following the ways of ancient Esau. It is obvious that this is now
      going on. God’s hates this crowd, a gang of loosened devils in the flesh.
      The enemy that brought down God’s people at the great Deluge is bringing
      our nation into a national gutter of intellectual prostitution enshrouded
      with wide-open erotic temptations, infatuations of souls headed for hell. I
      want you to consider this, because Jones has fallen into this trap
      innocently !
      THANKS FOR TALKING WITH ME.

       
  4. Adrian

    August 3, 2013 at 11:54 AM

    Detroit and all others are corporations,Organized Crime.They operate for their own corporate interest ,including their owners.The question is: where do you stay in relation to THEM?
    Are you “in” or are you “out” of their circle?
    Do you know who you are?

     
    • doug

      August 6, 2013 at 5:11 AM

      Out, way out. Exited the system long, long ago … because it violates my Biblical belief system, period.

       
  5. Anthony Clifton

    August 4, 2013 at 7:11 AM

    courage

    determination

    perseverance

    it took a considerable amount to not only publish the Anti-Shyster, but to Help

    lead the CLR meetings year after year….

    http://biblehub.com/text/1_corinthians/13-13.htm

    pacem relinquo vobis pacem meam do vobis non quomodo mundus dat ego do vobis non turbetur cor vestrum neque formidet

    http://biblehub.com/text/john/14-27.htm

    has anyone heard from Amb Robert Fox ?

    My Refuge and My Fortress…..Psalm 91

    He that dwelleth in the secret place of the most High shall abide under the shadow of the Almighty.

    I will say of the Almighty, He is my refuge and my fortress: my God; in him will I trust.

    Surely he shall deliver thee from the snare of the fowler, and from the noisome pestilence.

    He shall cover thee with his feathers, and under his wings shalt thou trust: his truth shall be thy shield and buckler.

    Thou shalt not be afraid for the terror by night; nor for the arrow that flieth by day;

    Nor for the pestilence that walketh in darkness; nor for the destruction that wasteth at noonday.

    A thousand shall fall at thy side, and ten thousand at thy right hand; but it shall not come nigh thee.

    Only with thine eyes shalt thou behold and see the reward of the wicked.

    Because thou hast made the Almighty, which is my refuge, even the most High, thy habitation;

    There shall no evil befall thee, neither shall any plague come nigh thy dwelling.

    For he shall give his angels charge over thee, to keep thee in all thy ways.

    They shall bear thee up in their hands, lest thou dash thy foot against a stone.

    Thou shalt tread upon the lion and adder: the young lion and the dragon shalt thou trample under feet.

    Because he hath set his love upon me, therefore will I deliver him: I will set him on high, because he hath known my name.

    He shall call upon me, and I will answer him: I will be with him in trouble; I will deliver him, and honour him.

    http://www.godsaveamericaagain.com/

    With long life will I satisfy him, and shew him my salvation…..

     
  6. Cody

    August 5, 2013 at 2:26 AM

     
  7. Adrian

    August 5, 2013 at 12:21 PM

    The CITY OF DETROIT it is a place full of nigers.
    Every picture tells a story.

     
  8. nigger

    September 6, 2013 at 3:28 PM

    niggers with two G’s ya bigot… u came from some believe It or not.. I never seen any other “race” produce a white baby.. you just learned prejudice from the same people that’s enslaved humans.. race is a word generated to cause segregation.. white or greek history comes from Africa right along with you… just see where the philosophers went to study… trying to infiltrate into the ancient mysteries systems to comprehend mind body and spiritual power… 2013 and a cracker still has time to hate on niggas like we aint the same puppet on uncle sam’s string.. #changeyaways

     

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