Tuesday, December 15, 2009

CAFR1-Walter Burien


ARCHIVED AT - http://CAFR1.com/DEBT.html

Communication with Old Dog - Government Debt

by Walter Burien - 06/01/10

Old Dog:

I always pass on to those I consider friends points on how not to get egg on your face.

It went unsaid but you are appreciated.

Per government, the point not comprehended by the public (intentionally orchestrated so) is per that debt issue.

Picture if you were a multi-millionaire with an openly talked about 11 million dollar worth (property; cash; real-estate) but you had 13 million dollars in debt (the loans / mortgage on your house, property, business; and annual opperating budget made up that 13M debt) and you cried to all that you know that you were almost under and did not know if you would survive, and bankruptcy was right around the corner..

Well, if people looked at your worth statement (11M) and your standing debt (13M) they would say: Shit, he is 2M in the hole. Or in governments case for impression's sake why they are trying to take more money and provide less services.

Now for the "really piss you off comprehension"

I will use the same scenario as above but with one modification:

As step one you had a net worth free and clear of 13M. You called me up and said: "Walter, I want you to start a bank and I am going to give you for deposit 13M. I am then going to buy a big house (6M), start a business that will cost in setup (5M) and some other property that will cost 2M. I want you to lend the 13M to me for these things and charge me 7% interest and you can keep 2% for your effort in doing this for me.

So, in reality your 13M in debt is self funded and you are getting most of the interest charged.. The people that thought you were 2M in the hole were being played like a Stradivarius Violin thinking THE EXACT opposite of what was.

BOTTOM LINE: Government promotes debt at the front door as they fund the same debt with their own investment funds under arrangements / agreements through the back door. Did you ever once ask yourself who is funding that tens of trillions of dollars in debt? Think about it!

The whole sky is falling routine is designed to keep the people oblivious to what actually took place over the last 65 - 70 years as they were masterfully entertained.

Get it? Government took it all over by investment and at the same time locked in the productivity value of the next 5 to 7 generations through their expansion and shell game presented of dept and ongoing expense.

Probably 85% to 90% of government debt both domestically and "internationally" is self funded.

Now I bet this little bit of cognitive comprehension shown has brightened up your day. (sarcastically said)

PS: Those trillion dollar bailouts at tax payer expense (productivity value stolen) were applied to make sure government stayed in the black on their own investment funds.

The health care bill that just passed was designed to create major profits (trillions) for the pharmaceutical, health care, insurance companies that government in collective totals between federal and local already own by investment (taken over bit at a time over decades)

Now that the big (of no equal) light bulb just went off in your head what are you going to do with it?

Walter Burien - CAFR1

P. O. Box 2112

Saint Johns, AZ 85936

Tel. (928) 445-3532

http://CAFR1.com and http://TaxRetirement.com

PS: If you circulate the above article, I note that I used 85% to 90% self funded on debt. That percentage was intentionally off and used for one reason of: "Take the bait please".

I would love to see a bureaucrat or talking head come back in reply with:

No, no, no, no! He doesn't know what he is talking about! He is way off, it is only 60% to 75%! :<)

They are in a big "Catch 22" situation here. They can not even mention the issue being that a cognitive thought qualifies the issue in the first place so in response the "Silence is Golden" routine or outright obfuscation directing away to the consequential is the only approach those that set up this type of technique can use.

The world you are masterfully sound-bite condition to understand is not as it seems...

Please spread a cognitive thought far and wide per the issue in the article by copy and forward to all that you know. All need to have this thought register in their mind and thinking..

It is time to break the back of the syndicate with simple but VERY important disclosure clearly presented without distraction.

Make their silence is golden routine close in on them until it is suffocating them. This tactic of self funding debt is the 1000 megaton nuke waiting to go off in their laps...


Any local government can be restructured to meet their annual budget needs "Without" taxes. TRF (Tax Retirement Funds) paying for every City, County, State’s annual budgetary needs!


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Good afternoon Walter:

Thank you for sharing, I am firmly behind your great work, and want you to know how very grateful many of us are to you for your courage and conviction in your efforts, amazingly, there is one in co. commissioner's ofc. who has received info repeatedly on this issue but refuses to believe it, since he feels he is right on top of all of the income and there is no way, he says any can be hidden, am wondering what exact info I might share with him to convince him he is wrong, over the years I have shared a number of things with him, which they too, he rejected as untrue, until it turned out what I had shared was in fact right on track. I feel it is of real urgency to know how to convince others of the truth of such things as this.

May you know God's richest blessings and may He guide you in this endeavor, I prayed about it just yesterday that He would bring to light and expose such things, in such a way, this entire nation of those who fail to see would know the truth, of this and many other things of which people are being so deceived still.

For it is the truth that shall set us free, God speed

Rose in MT

__________________________________________________________________ _________________________




Example: Say a city has 200M with a state local government investment pool and the same pool is funding 200M of the same city debt. The same can apply with a bank; brokerage or insurance house.

Now if you asked the city if "they" are funding their own debt they can honestly say "No"

But, if the Local Pool; bank; brokerage or insurance house back door equation was added into the picture the answer would have to be "Yes"

Walter Burien - CAFR1

P. O. Box 2112

Saint Johns, AZ 85936

Tel. (928) 445-3532




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ARCHIVED AT - http://CAFR1.com/Trailer.html


The People Spoke and CAFR1 Listened

by Walter Burien


Well, the People Spoke and CAFR1 listened and followed their recommendations..

The three minute trailer that CAFR1 released for "The Only Game in Town - The Way Our Government Can Be" I was told by many was to short and not adequate to get the point across. So, today I released a new trailer on YouTube that can be viewed at the following link:


I have also updated the CAFR1 front page with the same 10 minute trailer.

Please share this with your email lists, friends and family. If you have a website or blog post the new trailer there also.

The feedback I have received on the new trailer is that it now hits the nail on the head and is more than adequate as a trailer to give the comprehension needed that will motivate the viewer to watch the complete documentary and also they will learn a great deal just from viewing the trailer itself....

If you have the 1st three-minute trailer release on your website or blog, please swap out with this ten-minute trailer.

If you wish to download the trailer directly from the CAFR1 site you can do so at the following link - http://CAFR1.com/Video/CAFR1_Trailer_2.avi

And may I make one suggestion? No "if" "and" or "buts," any candidate for office should clearly run on and implement this platform to win. All candidates that refuse to mention "the process to eliminate taxation" and give the voters the silent treatment or obfuscate should not get one vote from the informed. This applies from the mayor of the smallest town to the President of the United States. It will be you that elects a thief perpetuating the status quo or in the alternative a true liberator. No excuses, here it is on a silver platter for all to use...

Thanks and here is wishing for a much brighter future for all of us and truly yours,

Walter Burien - CAFR1

P. O. Box 2112

Saint Johns, Arizona 85936

Tel. (928) 445-3532

http://CAFR1.com and http://TaxRetirement.com

Any local government can be restructured to meet their annual budget needs "Without" taxes.

TRF (Tax Retirement Funds) paying for every City, County, State’s annual budgetary needs!

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ARCHIVED AT - http://CAFR1.com/1trillion.html

Government says their Pensions are 1 trillion Short?

Well, looks like it may be time for an education lesson!

by Walter Burien - CAFR1.com


If you said you were $40 short on your monthly food budget, what is the first question that comes to mind?

ANS: What is your monthly food budget..

If your food budget was $400 you are short 10%, if $80 then you are short 50%.. Big difference between the two.

This media "promotion" of 1 trillion dollars short has two big pieces of the picture intentionally omitted.

1. What is the "collective" totals under management that they say they are 1 trillion dollars short on?

2. What is the actuarial projection being used whereby they say they are 1 trillion dollars short?

EXAMPLE: If you wanted $100,000 a year at retirement, how much money do you need to put to the side that pays you $100,000 of investment return twenty years from now?

The key factor here is the projected rate of return you anticipate getting from your fund balance. Lets say we use an actuarial projection of a 10% rate of return. That means we must have $1,000,000 (1 million dollars) put aside and at a 10% annual return that gives us our $100,000 a year. But if we projected getting a 5% rate of return that would now make the figure $2,000,000 (2 million dollars). Let's take it one step further. Let's use an actuarial projection of 2.5%, that means we would need $4,000,000 (4 million dollars)

Well, there is a big difference between 1 million dollars and 4 million dollars.

So, under the example above if we at the start used a projection of a 2.5% rate-of-return, had built our balance up with contributions and investment return over ten years to $2,000,000 (2 million dollars) we would be 50% short on our "projected" need to meet our retirement using a 2.5% projected rate of return.

Well here's the kicker.. if "in reality" we were getting a 10% rate of return and adjusted our "actuarial projection" accordingly, we would be 100% over funded..... Get it??? Only $1,000,000 (1 million dollars) needed.

So the ONLY issue when government says they are 1 trillion dollars short is: What are the actuarial projections being used vs . THE REAL RATE of return being accomplished combined with their standing fund balance?

It is VERY important to look at 1, 3, 5, 10, 15, 20 years of performance results to establish a correct actuarial projection that should be used per "projected" rate of return. Keep in mind the local governments own those funds NOT the employees. The employees bought a ticket to ride under contract. They get a set amount at retirement not a penny more. If performance on the fund was up by two or three times what was needed the employees do not get 1c extra, they just have their ticket to ride under specific terms from point "A" to point "B".

The actuarial projections used by the local governments are designed to build up a "power base" for those local governments. With hundreds of billions of dollars under management in each state that is a lot of grease to grease the skids for Corporate acquisitions; real-estate development; massive loans granted; and bond offerings backed. Here the incentive for the local governments is to fudge the actuarial projections used to build up a much bigger power base. Additionally in doing so they give the impression of being short and thus get more money from the employee and take more tax revenue from the public...

On the State level their are many different local government retirement funds. Usually there will be one State retirement fund (usually the largest) and many other local government retirement funds. They are separate from each other but many network together under specialty "private" associations that in consult direct them all as a monopoly of no equal.

As an example from one state New Jersey, here are a few of the primary State funds that are active or closed but still under management. Many local governments from within the state may or may not be participating in these State funds. Other local governments in the state may be managing their own on the local level. When a local government says they are short, again look closely at the actuarial projections used vs. the real rate of returns accomplished over several years. As a rule government employees are just told the actuarial projection used, they are NOT told the real rate of return accomplished... The employees may be told 7% when 16% or 18% may be the reality... as was the case in Washington, Oregon, and Arizona from 1990 to 1999.

New Jersey

Alternate Benefit Program ("ABP")

Alternate Contribution Tax Sheltered Program ("ACTS")

Central Pension Fund ("CPF")

Consolidated Police and Firemen's Pension Fund ("CPFPF")

Judicial Retirement System ("JRS")

New Jersey Pensions and Benefits Home Page

New Jersey Treasury, Division of Pension & Benefit

Police and Firemen's Retirement System ("PFRS")

Prison Officers' Pension Fund ("POPF")

Public Employees' Retirement System ("PERS")

State Employees' Deferred Compensation Plan ("NJSEDCP")

State Employees' Tax Savings Program ("Tax $ave")

State Police Retirement System ("SPRS")

Supplemental Annuity Collective Trust ("SACT")

Teachers' Pension and Annuity Fund ("TPAF")

Collective totals are massive. Most of the large State pension funds put out a CAFR (Comprehensive Annual Financial Report) for each of their pension funds listing the extensive holdings / investments of each fund.

And per issue #1 above, collective totals from all local and federal pension / retirement funds from the thousands of "separate" accounts, a good estimate of collective totals would be somewhere between 26 to 30 trillion dollars.

I note as these funds grew and were invested over the last eight decades they drove the economy by their capital investment. Did favoritism; fraud; and market manipulations occur as these funds grew? Oh yes, and some examples came to light (very few) and most went in and out with the tide as normal operations masked.

Bottom line? LOOK AND LEARN....,

Do not be played for an easy mark (this applies to both taxpayers AND government employees) The only way to see if you are getting played with false actuarial projections applied is to look first hand and see for yourself. You do NOT ask foxes if they are eating hens from the hen house. The only time you may get a straight answer there is if you are a fox yourself and are part of the pack.

I hope the above also gives you a better understanding of what the site TaxRetirement.com brought forward per the TRF (Tax Retirement Funds). Here the same type of massive investment funds can build with the sole objective being to phase out all taxation generated therefrom. Not lowering taxation but eliminating it.

This can be done utilizing the exact same fund managers currently handling government pensions to accomplish the purpose of tax elimination. If you catch the gist of this can you see how through capital reinvestments coming from the TRFs we then can have a long term"economic stimulus package" of no equal and no taxation? In fact government pensions can be included in with the TRFs and benefits paid therefrom... as well as eliminating all taxation..

Time for a "real" change..? Hopefully you get it and comprehend how this can happen..

The government syndicate needs to be brought under control and have a means of operation that directly benefits the people from the wealth amassed. The principle of operation of the TRFs does just that and allows for transparency and true good intent to come to play..

Truly yours,

Walter Burien - CAFR1.com

P. O. Box 2112

Saint Johns, AZ 85936

Tel. (928) 445-3532

PS: Make the investment wealth of government directly benefit the people and taxation be gone! TRF now!


Any local government can be restructured to meet their annual budget needs "Without" taxes. TRF (Tax Retirement Funds) paying for every City, County, State’s annual budgetary needs!


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CAFR1 needs help in this corner: http://CAFR1.com/DNT.html




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----- Original Message -----From: "Walter Burien" Sent: Sat, August 23, 2008 12:33

Subject: WJB - Re: Freddie and Fannie - FNMA and FHLMCCAFR1 NATIONAL REPLY POST TO ERNEST - 08/23/08: Freddie and Fannie - FNMA and FHLMC

Ernest:You say: "would it have happened regardless, due to all banks being insolvent due to bad loans over the century?"That is what they would like you to think and it is part true.The real question to ask is: "I want to see a detailed list of investors and who defaulted over the last two years on commercial and residential property mortgages?"Both Freddie and Fannie being federal enterprise authorities, it gave the perfect opportunity for local governments to stash away massive amounts of investment capital where it became "invisible" to the public. Always in the black, always turning out a return (except for the last year). The bubble of spec roll-overs began to burst.The actions to sure-up Freddie and Fannie are designed to immediately protect the mortgage investors, not the stock-holders or mortgage holders. The theme is to make the environment secure and profitable in the future for the mortgage investors currently backing six-trillion dollars in mortgages with those investors being predominately local and international governments. The cute part is: These local government entities covertly took the investment capital from the public in the first place to be the primary investors with Freddie and Fannie and now they are using tax-payer funds to bail themselves out and stabilize the government investments that the tax-paying public do not even know exist.Here is where the crimes come in: Who from the inside players nationally were using Fannie and Freddie in the erroneous roll-over mark-up game that stuck it to the investors / stock-holders? And, also who from the inside players simply walked off with a few million before they had a chance to roll-over when the bubble burst?If and audit was done specifically on those two points, several thousand politicians, judges, (city, county, and state) attorneys, and other inside players that made a few extra million dollars on the side from the inside would in most probabilities be indicted; prosecuted; and fall. The problem is, government will not do the audit on those points, or if they did, they would not make it public due to the fact the public is unaware that their own local. Federal, and cooperative International government players are they primary investors (about five-trillion dollars worth). The public would then ask where did all of that government investment capital come from and what else and how much do they have elsewhere? Massive can of worms for them there....So as far as open investigation, audit, and indictments per the two issues noted above, (or 911) you would have had a much better chance of getting Malcum X ellected as the national spokes-person and Chairman for the KKK in the 60's. Silence is golden as the theft took place just as much as it is after the fact..Educate a few local government Law Enforcement Detectives and Police Chiefs on these two points above. Who knows, they may get the ball rolling from the ground floor up, especially if their own pension funds took a hit from the crimes committed by the other government inside players who walked with the cash from Fannie and Freddie and stuck it to them.Yours truly,Walter J. Burien, Jr.P. O. Box 2112Saint Johns, AZ 85936Tel: 928-445-3532Website: http://cafr1.com/

> Walter:>> Which one person or group decided to sell mortgages without the contracts at bargain rates to financial houses and banks around the world that led to this crisis, or would it have happened regardless, due to all banks being insolvent due to bad loans over the century?>> Thank you.>> Ernest>

> ----- Original Message -----> From: Walter Burien> To: NATIONAL@cafr1.com> Sent: Friday, August 22, 2008 11:45 PM>

Subject: Freddie and Fannie - FNMA and FHLMC> > > CAFR1 NATIONAL POST - 08/22/08> > > Please read: http://CAFR1.com/OJ2.html then read the PS noted here.> > > PS: Here is a snip from the news wire a few days ago:> > "Buddy Piszel, Freddie's chief financial officer, said, "We're managing the firm to not have to access the government support."Freddie's stock tumbled more than 19 percent to$6.49. Shares of Fannie Mae, which reports earnings on Friday, slid almost 15 percent to $11.60."> ------------------------------------------------------------------------> Now take that $6.49 and $11.60 per share and multiply times the shares outstanding. That will give you the value of the "shell" which is a very small fraction of the Six trillion (the substance) being the value of the mortgage investments held which is separately put up by the investors in that vehicle. Even with fractional reserve banking principles being used the value of the mortgages outstanding no where comes close to the value of the stock. The investors in the mortgages? Local and federal investment assets. The bail-out of FNMA and FHLMC is not to protect the stock holders or the mortgagees, it is to protect the investors. Six trillion dollars worth. That is why it is so important to show who the investors behind the mortgages are.. Local and federal governments holding the Lion's share???? On a last note when FNMA and FHLMC stock cut in half, did that mean six-trillion of investments got cut in half. No they did not. It is the default rate that is cutting the shell's stock value which is based on FNMA and FHLMC "management" of the investments held - Six trillion... so again, who are the investors behind that six trillion dollars? Primarily state and federal investment assets "invisible" to the public that are feeling the pinch of substantially reduced rates of return based on the increased default rate..> > > Walter J. Burien, Jr.> P. O. Box 2112> Saint Johns, AZ 85936> > Tel: 928-445-3532> > Website: http://cafr1.com/> > --------------------------------


The Trailer of "The Only Game in Town - The Way Our Government Can Be" is now up on the CAFR1 front page and playing on YouTube video as of today.The link on YouTube to watch the trailer is: http://www.youtube.com/watch?v=Y2ClJ3Mvzt0 If you have a website or blog, please help pass the word and display the trailer there. The YouTube embed html code for placement to source code on your website or blog so that the trailer displays is:The complete Documentary will be viewed from the CAFR1.com site under a 24-hour pass through a $3 Click Per View feature and after four months will be released for open distribution.With every Click the comprehension spreads. Most of us wanted a peaceful revolution that actually gives birth to real change, well what is brought forward here does just that in a big way and at the same time every view of the documentary helps CAFR1 and the TRF move forward.CAFR, GOVERNMENT INVESTMENTS, AND YOUFilling in the void of Government "Collective" Investment and Gross Income Totals Taxation? Not Needed! We have seen Government's Game, now it is Time that Government learned the People's ....Only Game in Town!This is a big Win - Win for all involved, and will create a thriving economy probably for the next thousand years in its own right. So please help pass the word worldwide to millions of people, this is not just for the USA but for all countries worldwide... Comprehension is the key to unlocking all doors and here it is, straight forward, clear, and to the point..
I fell behind on getting comments in from people from across the land but will insert them when made available into the documentary. If you would like to submit a 15 to 20 second comment for insert for the final cut of the documentary, please contact me for details on how to do so.Please circulate this to all that you know, post, and distribute. Let them "get it" too. One mind; one body; one heart; one force; no division and the only Game in Town will become all of the People's rock across the land for our and our descendants prosperous future.If you wish to bypass YouTube and save the trailer file for display, it can be downloaded from the CAFR1 site here - http://cafr1.com/Video/Trailer_CAFR1.flvIt is time to truly take back our country, let's make it happen and happen soon Timing is everything and I think we all can agree, the time is now.
Truly yours,Walter Burien - CAFR1.comP. O. Box 2112Saint Johns, AZ 85936email: WalterBurien@CAFR1.com Tel. (928) 445-3532http://cafr1.com/ and http://taxretirement.com/ ---------------------------------------- Any local government can be restructured to meet their annual budget needs "Without" taxes. TRF (Tax Retirement Funds) paying for every City, County, State’s annual budgetary needs!----------------To automatically subscribe to CAFR1 NATIONAL posts - http://cafr1.com/phplist/?p=subscribe-------------- To automatically unsubscribe to CAFR1 NATIONAL posts - http://cafr1.com/phplist/?p=unsubscribe--------------Important PS:http://CAFR1.com/DNT.html (for the kitty) BACK TO THE CAFR1 FRONT PAGE
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An article was published today by a Clint Richardson an independent writer per the CAFR and Corporate / Government ownership.
It is a very long read but many provoking thoughts as it progresses. Good effort on his part..
Sent FYI from,
Walter BurienP. O. Box 2112Saint Johns, Arizona 85936Tel. (928) 445-3532

The Coast to Coast show is Wednesday the 6th at 10PM PACIFIC TIME (Thursday the 7th at midnight EASTERN TIME).
I should have said Wednesday the 6th.
Walter Burien - CAFR1 will be on the radio show of Coast to Coast AM, with host George Noory, Wednesday January 7th 2010 from 10 PM to 1 AM Pacific time.Even though the radio show is in the late evening on the west coast and early morning on the east coast, the show is rated the #1 listened to night radio program and also as the 5th largest listen to radio program in the county having several million listeners worldwide nightly with Wednesday being the most listened to day of the week for the show.
Coverage of the show is very good on the 500 + local station affiliates. To find a local radio station in your area where you can listen to the show, the following link will give a listing for the US, Canada, Virgin Islands, and Guam - http://www.coasttocoastam.com/affiliates several of which stream the show on their station's website over the Internet.Additionally, the show can be heard on SIRIUS XM Satellite Radio Talk Radio - XM Channel 165
CAFR1 will be discussing the truth and falsehood behind governments saying they are broke; qualifying local and federal government "collective" wealth held; the up coming CAFR1 documentary The Only Game in Town - The way Our Government Can be; the path as a nation that we are on, how we got here, and the not to pleasant imminent outcome we face staying on our current path; an alternative path that can be followed that would create a stable and prosperous economy that will last for the next thousand years worldwide and at the same time upfront phase out all taxation. (Not lower but eliminate all together) There is only one thing needed - for you to grasp the comprehension of how it is done and then make it happen!
If you can catch the radio show it promises to be a good one to learn from, record, and share with others.

Walter BurienP. O. Box 2112Saint Johns, Arizona 85936Tel. (928) 445-3532http://cafr1.com/ and http://taxretirement.com/email: WalterBurien@CAFR1.com
Any local government can be restructured to meet their annual budget needs "Without" taxes. TRF (Tax Retirement Funds) paying for every City, County, State’s annual budgetary needs!---------------------------------To automatically subscribe to CAFR1 NATIONAL posts - http://cafr1.com/phplist/?p=subscribe---------------------------------If you do not wish to be on the CAFR1 NATIONAL email list then click - http://cafr1.com/phplist/?p=unsubscribe


Arizona Governor Jan Brewer has asked all citizens to help her with the financial crisis in Arizona. I just sent the following message to her via this web page: http://www.azgovernor.gov/Contact.asp

_____ SUBMITTED 12/26/09 BY WALTER BURIEN - CAFR1.com ___________

Governor Brewer: Hmmm.. Arizona …. Time for a little audit review of Arizona Local government wealth as brought forward in their Annual Financial Reports! Here are some potential surplus reviews of AZ local governments from 2003 conducted by the late Gerald Klatt a retired federal auditor of 30 years. I wonder what the showing would be for 2009? Arizona State Government – http://cafrman.com/Articles/Art-AZ-S1.htm
A few Arizona Counties and Cities Maricopa County – http://cafrman.com/Articles/Art-MaricopaCounty-AZ-C1.htm
City of Mesa – http://cafrman.com/Articles/Art-Mesa-AZ-CY1.htm
City of Phoenix – http://cafrman.com/Articles/Art-Phoenix-AZ-CY1.htm
Pima County – http://cafrman.com/Articles/Art-PimaCounty-AZ-C1.htm
City of Scottsdale – http://cafrman.com/Articles/Art-Scottsdale-AZ-CY1.htm
City of Tempe – http://cafrman.com/Articles/Art-Tempe-AZ-CY1.htm
City of Glendale – http://cafrman.com/Articles/Art-Glendale-AZ-C1.htm———————————

————— I Note: ENRON Promoted it’s Profits and hid it’s debt. Governments promote their debt and hide their profit. ———————————————— The biggest obstacle to overcome is as expressed in the following quote: TREASON: “Treason doth never prosper; what’s the reason? For if it prosper, none dare call it treason.” Sir John Harrington, 1561-1612 You also may wish to take a read through an article I wrote per CA & TX in solving budget shortfalls - http://cafr1.com/SolvingShortfalls.htmlAnd per collective wealth held by government, the "Common Denominator" - http://cafr1.com/TCD.htmlThere is to much greasing of the skids going on nationally to where the public is getting the very short end of the stick. Let's talk! I can show you how to phase out all taxation in AZ and have a thriving economy, AND the same revenue stream coming in for government at the same time. Want to be a hero who's legacy is remembered for all time to come? Then let's talk! Walter - CAFR1.com

COPY SENT TO THE CAFR1 National email list FYI from,

Walter BurienP. O. Box 2112Saint Johns, Arizona 85936Tel. (928) 445-3532http://cafr1.com/ and http://taxretirement.com/email: WalterBurien@CAFR1.com
Any local government can be restructured to meet their annual budget needs "Without" taxes. TRF (Tax Retirement Funds) paying for every City, County, State’s annual budgetary needs!---------------------------------To automatically subscribe to CAFR1 NATIONAL posts - http://cafr1.com/phplist/?p=subscribe---------------------------------If you do not wish to be on the CAFR1 NATIONAL email list then click - http://cafr1.com/phplist/?p=unsubscribe


ARTICLE ARCHIVED AT - http://CAFR1.com/How.html
TREASON: "Treason doth never prosper; what's the reason? For if it prosper, none dare call it treason." Sir John Harrington, 1561-1612
The Who and How they Own and Control it All!
by Walter Burien
December 15th 2009
I will note that the most important fact the people need to know is that in collective totals government (thousands of individual government entities) owns by stock ownership; bond participation; and equity participation most of the large public traded companies such as technology; pharmaceuticals; energy; banks; insurance; and war industry groups through collective stock ownership (in many a case 71% to 83% ownership)

There is no one individual government entity that will call the shots for these companies (even though some carny more clout then others) but there are private associations that network thousands of local and federal government accounts that have been assigned representative proxy vote rights for the thousands they represent and here is where the control rests.

By proxy vote representing the "collective" primary shareholders they can exert pressure for that company to do as told and if not they can if they wished remove the board of directors by representative proxy vote. On the other hand they can network millions if not billions of dollars of investment capital for direction and investment with any company.
So, no matter from which side you look at it, the control factor is there.. Do a search for what financial consulting "private associations" with nice government sounding acronyms your many different local governments belongs to and the patterns of control will start coming into view.
For the CAFR local government's Annual Financial Report, the two primary private associations that call the shots by direction and consult are GFOA (Government Financial Officers Association) and GASB (Government Accounting Standards Board). Find the common denominators for your local government pensions (which in collective totals are in the trillions of dollars) and here is where the collective power is exerted.

Local and federal entities are restricted from owning individually more that 5% of any company, but by networking their 5% with hundreds if not thousands of other local and federal investment portfolios through these private associations, they bypass any restrictions per monopoly and exerting undue influence on the companies they collectively own. Understanding this is VERY important to comprehend how the undercurrents of control are exerted.
On another note, most people don't realize the Democratic and Republican parties are 100% "private associations" designed from the get-go to have their people placed for access to the massive capital flow running through government. (Standing at 15 trillion dollars collective gross income generated each years for local and federal as of 2007 from all sources). You have to ask yourself "What is the intent of these private associations and our government officials?" Is it to make your life better or to enrich themselves giving the "impression" they are there to make your life better.. Well, it does not take to high of an IQ to see the end result of their intent played out in final result. Easy money has brought us to a point of massive theft. Not just of our property and income but also in our environment to maintain a healthy and good life-style.
It does not matter if 95% of us have good intent, when that 3% factor can steal it all in obscurity maintained, there is a slight tad bit of a problem for us all. The new CAFR1 documentary soon to be released will address this problem and offer definitive remedy that can be applied to correct this circumstance, and improve vastly the economy we are living in. (Worldwide application will apply here also)

Truly yours,Walter J. Burien, Jr. – CAFR1.comP. O. Box 2112Saint Johns, AZ 85936email: WalterBurien@CAFR1.com Tel. (928) 445-3532http://cafr1.com/ and http://taxretirement.com/ ----------------------------------------- Any local government can be restructured to meet their annual budget needs "Without" taxes. TRF (Tax Retirement Funds) paying for every City, County, State’s annual budgetary needs!----------------To automatically subscribe to CAFR1 NATIONAL posts - http://cafr1.com/phplist/?p=subscribe-------------- To automatically unsubscribe to CAFR1 NATIONAL posts - http://cafr1.com/phplist/?p=unsubscribe--------------Important PS: http://CAFR1.com/DNT.html (for the kitty) BACK TO THE CAFR1 FRONT PAGE


The Common Denominatorby Walter Burien12/21/09
Are you ready for the biggest "Ah Ha" moment in your life? Then learn why they do what they do. Learn Government's underlying and primary motive for the actions and decisions that they enact. This applies to the Health Care bill that just passed; financial bailouts that occurred; the price of energy in this country; and the perpetual war that is maintained. There is no gray area here "if" you look and see the reality of the core motive. As has been the case for hundreds of years, if not millenniums, easy money has been a core drive behind the human condition. Guaranteeing a massive profit due to your own actions is a strong driving force no matter who is behind the steering wheel. Per the health care bill that just passed the syndicated media was honest per one disclosure they openly made. That being that the Pharmaceutical Companies profits will soar based on massive increases in drugs prescribed and paid for through tax payer revenue. Additionally that the insurance companies will be a big winner based on reduced liability with taxpayer revenue covering most of the liability. Now this was brought forward by the syndicated media. The common denominator having the most important reality to these statements was intentionally left out. That being: "Who owns the Pharmaceutical Companies and who was the biggest (primary) investor with the insurance companies that would greatly profit? Well, the clear answer to those questions without any question is collective government investments. The health care bill passed guarantees collective government massive profits amounting into trillions of dollars. Prior to reading this answer did this thought even cross your mind? Probably not due to the fact an intentional vacuum, a void in your comprehension was promoted and maintained DUE TO THE MONEY INVOLVED and the power and control derived therefrom. But, being that the players involved had to keep track of their own transactions a record is there for you to see "if" you know where to look to see. The syndicated media and controlled education is in a 100% symbiotic relationship with the money being generated here so not a word from them. They do what they are paid very well to do and they do an excellent job in which one of those roles is not a peep or word of comprehension towards government's collective takeover and thus maintaining the void of comprehension in the masses due to the money involved AND they know if it was comprehended by the masses it would establish the reality to the masses that all they were told throughout their life's was a lie per the USA being a free country ruled by the people having an elected representative government. That in a closer reality, government in the USA had evolved out of opportunity into a well masked communist country with a strongly entrenched permeated fascist twist. The void maintained here in the masses boiled down to who owns it all by investment.. Collective government smoothly made this transition into complete ownership through networking with private financial associations that kept very low profiles but amassed unequaled power through their membership of thousands of local and federal government accounts. Through this process of organized collective they could target any company; industry group; domestic; or International to take them over by investment. Now most of the masses would say: What? Can't be! I would know about that if it happened! I'm to smart for that to have happen without knowing about it! Well, WRONG and simply it is so DUE TO THE MONEY INVOLVED! Even many of the people on the inside track that were working within this procedure developing the takeover as it took place did not know being that they were dealing with just a few branches or trees in the forest but had no idea as to the collective totals involved. Keep in mind collective government's gross income (Local and Federal) as of 2007 from ALL sources (Investment, Taxation, and Enterprise) amounted to fourteen-trillion dollars for the year and the population's gross income net after taxation was five trillion dollars. [Populations gross income was ten-trillion minus direct and indirect taxation of five-trillion]. The few on the top of the heap that did know, knew that silence was truly golden and that the void in comprehension within the masses was imperative to be maintained for them to continue business as usual unabated so massive efforts were made within the syndicated news media; controlled education; political parties to maintain that void. The money involved over the years as it grew allowed for many a skids to be greased and indoctrination of many cooperative paid personal assigned to maintain the void or vacuum of comprehension and illusion as to the life the masses where living whereby they thought they were free but in reality under the yolk of a masterfully presented extortion racket due to the money involved. A racket that was more oppressive then any form of communism, socialist, or fascist government standing alone. The key for the masses to see this and fill the void intentionally created in their comprehension's is to start looking at collective totals. Keep in mind that as of 2009 there are over 184,000 separate local government entities big and small alone in the USA before Federal is accounted for, each with their own investments and separate totals. A few days ago I received a call from a researcher from the state of Washington that wanted to know about the motive behind this Swine Flu vaccine promotion. He wanted to know per the companies that were greatly profiting, what percentage of those companies were owned by collective government. My reply was between 71% to 85% of each company involved was owned through collective stock ownership by government. To qualify my statement I directed him to a source where he could start adding up totals with that source being some of the large local government pension fund holdings. I noted that local government pension funds were set up as "Strictly Participatory" which meant that the local governments owned; controlled; and directed the base equity in those funds and the employees, as if buying a ticket to ride a train had zero (not 1c) ownership, they just had a ticket to ride with set parameters from point A to point B. Local governments set the funds up this way so that they would benefit from the ownership of that equity and have a free hand in developing their own power base derived therefrom. To start I pointed him to one of the largest government funds of many from the State of NY; the listing of investments held by the NY State Retirement Fund in 2006: http://cafr1.com/STATES/NEWYORK/RETIREMENT/NYRINV2006.PDF I was not picking on this one fund, but it was a good reference of a large fund to start with and I noted to him that he could pull up the same from different states and start adding up collective totals from the different reports. So he downloaded this one listing and we looked at ownership of a few companies and a few of them I list here from this one report: Baxter International $105 million; Gilead Sciences Inc $127 million; Roche $87 million, etc., etc. If you look at the profit made it is substantial. In each state there are several large government retirement funds and many small fund sometimes several hundred in a large state. Looking at the big ones will give a representative example. When looking at say fifty or sixty of the large funds the collective totals add up to being evidently clear that the government OWNS these companies by investment. With the thousands of separate government entities networked through a few private associations, they can rule towards policy; price; procedure; and market saturation. This intertwined ownership and the ability to funnel taxpayer funds into these companies guarantees massive profits for the government's investments and creates the ups and downs in any one market as they enter and exit in uniform collective motion. Any other private investors outside of the loop are subject to guess work and luck if they obtain a profit. The only fundamentals at play here is the movement of the large government institutional funds creating the market as they move in and out in concert networked in perfected timing by the private associations that call the shots for them in consult. This gives a new definition to the golden rule: "He who controls the gold makes the rules" and in this case it is: "He who controls the investments makes all the rules" As you start to look at the different international holdings held in these reports, you will see the top four profit makers in order of profits generated are: The Pharmaceutical / Health Care Companies; The Bank / Financial Companies; The Oil / Energy Companies; The War Industry Groups. Government in its collective totals has acquired absolute ownership of these companies through stock; bond; and cash investment in these companies. The private sector ownership in the same is insignificant in comparison. So here we have government determining police; events; and programs that in all reality guarantees themselves massive profits and in many case bringing forth policy and events that are very counter productive to the general public good and well being. War and Health care costs being perfect examples.. One recommendation for you to track down a few of these government investment holding reports is to use Google. As a starter for you per local government retirement funds I list a few at the bottom of this page with the first grouping being links to government Annual Financial Reports (the CAFR) and the second grouping at the bottom being for Government Retirement funds. http://cafr1.com/listings/Listings.html You will note several of the largest funds listed for each state. It is important to realize that as these funds grew over the decades they drove the economy by capitol investment. The power base that was created was unequaled especially when collective totals are amassed, we are talking just from the thousands of separate government retirement funds both federal and local somewhere between $26 to $28 trillion. Was the general population aware of this? No, they never looked and they were not meant to look due to the money involved. Did most government employees know this? No, and a ditto as stated above.. The News covered the Madoff swindle. Well that was pocket change on pocket change compared to the holdings as stated here. Why was Madoff not stopped sooner? He was burning and stealing from the private sector and not government investment funds. If he had played the same game with government investors, he would have been stopped in 1/10th the time. Bottom line of all of the above? TAXATION IS NOT NEEDED! Government took it all over by investment through the use of taxation being funneled through the coffers. Well, they have accomplished the objective of the takeover. The large corporations; banks; insurance companies; many real-estate projects are owned through investment by collective government. The investment return generated therefrom come the year 2001 was greater than ALL taxation collected. Those that have read the writings of CAFR1 for a while know that a new form of government and economy is being presented by CAFR1. An economy that is based not on Cash; Taxation; and Investment, but an economy that is based on Cash and Investment ONLY! An economy that has a government that is funded by what are called Tax Retirement Funds (TRF) that are established to meet local governments budget requirements whereby taxation is not needed and can be phased out in its entirety. Not reduced but eliminated. The beautiful thing about this is that government in its zeal to take it all over by investment has the standing management teams; structure; and holdings to make this happen at the stroke of a pen. No matter from what direction you look at it from, taxation is extortion and never should have been allowed to take root as it has. Why is the phasing out of taxation and the implementation of the TRFs not happening all across the county and the world at this moment in time? Easy answer there! Easy money and the decades of structure; focus; collusion; intentional non-disclosure, that took place as they (collective government) took it all over by investment. Spoiled children with access to an almost unlimited till do not like to modify their behavior. Especially when they believe they took over the complete show by intentional deception maintained and have amassed massive wealth therefrom. As an end result of the road we all have been on that is why the masses are being stripped piece by piece of freedoms; wealth; and operational unions and the individual is being told for all intents and purposes to shut up; do what you are told; and mind your own business. Arrogance flourishes when massive wealth is created by deception; theft; and extortion as it has within our own government as it has been also within other governments throughout the world and throughout the decades. Government is marketing to the masses that they are broke. Why do they do this? Quite simply; Who looks behind the poor mans house for a tower of gold and riches held... There is no accident that the US has the highest levels of crime; breakup of the family; and drug / alcohol abuse in the world. These factors are VERY profitable to your local governments and especially for the lawyer / attorney complex running the show. That breeding grounds has flourished and exponentially grown as the opportunity to bleed the populace presented itself. It is a scary thought that over 70% of our governors; senators; and congressmen are attorneys. An even more scary thought is that most people that voted for them did not even know the people they voted for were attorneys. When you look at the actions of these elected attorneys, what they are doing is taking all available cash on hand; locking in investment profits; and dotting the I's and crossing the T's to lock in the productivity value of the next five generations. A miraculous awakening needs to take place here to reverse the path we are heading down. It is a very unpleasant path that will lead to our own annihilation in due course. When there is massive wealth as there is in this country, there is the potential for massive orchestrated theft. Well, it has, is, and will continue to happen if the fundamental structure of things remains the same without true corrective measures to reverse the path we are currently on. The key phrase here is: "capital investment" Government took it all by taking control of the world capital investment. From this point forward if the people revert the growth and use of capital investment to run government through the creation of TRFs then the people may stand a chance of regaining freedom; wealth; and future excellence in their lives. The implementation of the TRFs changes the core underlying motive behind the government controllers from having the people at their disposal to be continuously drained and managed productivity units as livestock in the fields, but in turn under the TRF management principle, the more prosperous the people are the more flourishing the economy is and thus solid investment returns and more revenue for the local governments. This gives the top government players a very good incentive to downsize and be as efficient as possible. Additionally it is a win - win for all three power groups: The financial cartels (unequaled capital investment held and growing driving the economy and under their management); The masses (no taxation, smaller government, true ownership of their property; less intrusion by government; better standard of living); and government (steady return coming in from TRFs to operate their budgets from) The new CAFR1 documentary The Only Game in Town - The way our government can be, soon to be released is designed to fill in the void of comprehension inflicted on the masses as to government's take-over of the wealth and more importantly it brings forward the simple steps necessary to correct the situation where taxation is eliminated and the people regain ownership and direct benefit of their own productivity and wealth maintained. A fix that can lead to the proverbial millennium, a thousand years of prosperity for one and all. The TRF is not just for application in the US but is for application worldwide. Anywhere there is taxation the TRF can cancel it out and create a more thriving economy for that country and all that live there.. The new documentary maintains a positive tone and I designed it to be understood by the average person, corporate executives, and world leaders. The launch date for release looks like it will be January 10th 2010 or (01/10/10) for those of you that may see a numeric significance in the release date. It is my hope that the documentary will be viewed by millions of people in a very short period of time whereby triggering in the collective consciousness of the people the comprehension that will start an unstoppable tidal wave for implementation of what is presented that puts into motion, venue by venue the application whereby the current path we are walking down fades and a new well lit path emerges.
As the old saying goes: "May the saints be with us" and "Can you feel it now?" or as Bart Simpson would say "Are we there yet, are we there yet", no not yet but getting closer.Truly yours,Walter J. Burien, Jr. – CAFR1.comP. O. Box 2112Saint Johns, AZ 85936email: WalterBurien@CAFR1.com Tel. (928) 445-3532http://cafr1.com/ and http://taxretirement.com/
PS: I am still short on meeting the objective for the documentary fund drive currently scheduled to end 12/25/09 (midnight of the 24th). If you or someone you know can help, please have them do so. If the objective is not reached by midnight of the 24th I will be extending the cut off time until 01/10/10. Keep in mind contributors will be reimbursed from the proceeds of the documentary (30% of the gross receipts will be allocated for that purpose) as stated on the documentary info page that is linked below the ChipIn money bomb.
----------------------------------------- Any local government can be restructured to meet their annual budget needs "Without" taxes. TRF (Tax Retirement Funds) paying for every City, County, State’s annual budgetary needs!----------------To automatically subscribe to CAFR1 NATIONAL posts - http://cafr1.com/phplist/?p=subscribe--------------
To automatically unsubscribe to CAFR1 NATIONAL posts - http://cafr1.com/phplist/?p=unsubscribe--------------
Important PS: http://CAFR1.com/DNT.html(for the kitty) BACK TO THE CAFR1 FRONT PAGE

Saturday, December 12, 2009



This summer, I visited the bankruptcy court in Portland, and asked the lady in the Trustee's office if they were interested in bankruptcy fraud. She replied yes, and handed me Shaun Stuart's business card and told me to put my complaint in writing and send it to Ms. Stuart. The following is the 5 page letter that preceded 160 pages of accompanying documents that was hand carried back to the bankruptcy court. Above, is their response.

Leon E. Bard Jr.
P.O. Box 74
Bowdoin, Maine 04287 July 24, 2009

To: Shaun K. Stuart, Attorney
Office of the United States Trustee
537 Congress Street
Suite 303
Portland, Maine 04101

Re: Suspected Bankruptcy Fraud

Leon E. Bard Jr. & Carol J. Bard, Case No. 06-20410, Filed in Portland, Maine

Dear Ms. Stuart,

I recently became aware of a US District Court ruling in Massachusetts, whereby the financial institutions and law firms involved were sanctioned for filing fraudulent or misrepresentative claims in a bankruptcy case. I believe that the same may be true for the bankruptcy case that my wife and I filed in 2006. I learned in late 2007, about the importance of knowing who was the “holder in due course” of the original “wet ink copy” of the promissory note. Since then, I have requested, at least four times, that the creditor produce the original notes for viewing. So far they have refused to produce the originals.

In June of 2008, Anne Brubach, a former employee of BOWDOINHAM FEDERAL CREDIT UNION, told me that several times in May of 2004 prior to closing, she heard the CEO of BFCU, Dan Daggett, make the following statement: “We have to hurry up and get the house, so we can sell it.” In September 2008, I accessed online, BFCU’s finance reports that they filed with the National Credit Union Administration. From the third quarter of 2002 thru the second quarter of 2007, these reports reveal that BFCU was in fact selling mortgages into the secondary market, and with only one exception, they did not retain the servicing rights for the loans that they sold. Over this five year time period, BFCU sold millions of dollars worth of mortgages. In searching the Sagadahoc County Registry of Deeds, I have been unable to locate documents that would support this kind of ownership transfer.

Another possibility is that BFCU may have gotten paid by their insurance company. According to an insurance investigator, finance institutions are required to have insurance policies to cover delinquent loans. Once a loan becomes 90 to 120 days past due, the institution is allowed and/or required to file a claim, and the insurance company pays off the loan. I’m not sure about my mortgage loan, but my equipment loan document lists a Group Policy Number, this number can only apply to their insurance as I did not purchase any coverage for this loan. This may explain why in the summer of 2005, BFCU started refusing my loan payments. Within days of successfully pushing me past the threshold, BFCU filed suit claiming that I was not making payments.
It’s interesting to note here that BFCU’s Finance Report dated September 30, 2005, did not list either of my loans as being delinquent.

While in court on October 17, 2005, I told Brenden Smith and Robert Ireton-Hewitt, that I had an opportunity to sell one of the trailers. Mr. Smith told me to contact the credit union when I got home. I left a message on Mr. Ireton-Hewitt’s voicemail, when he returned my call a couple of hours later he stated that they could not figure out how to split the trailer from the loan. On October 24, 2005, BFCU accepted a payment of $7,800, which was more than what was required to bring the equipment loan current. About a week later I left another message for Mr. Ireton-Hewitt, suggesting that they figure out how to split the trailer from the loan before I lost the sale.

I’m told that after a finance institution sells your note, they will try to get you to recontract with them. What happened next seems to support this theory. A meeting was scheduled for 8:00 PM on November 10, 2005. (audio of meeting available) Present were Brenden Smith and Robert Ireton-Hewitt and myself. During this meeting, I was informed that the only way that I would be allowed to sell the trailer was that I had to comply with the following: refinance my house, refinance the equipment, and surrender the title to a third trailer. The interest rate on each loan would increase by one percentage point, bringing the mortgage to 9.5 % and the equipment loan to 12 %. After deducting $20,000 from the equipment loan, as a result of the sale of the trailer, another $30,000 would be transferred to the mortgage. $2,000 in closing fees would also be added to the mortgage. Mr. Smith tried to convince me that this was a good deal, because my payments would be reduced by $500/month. I neglected to tell him that I was renting the trailer that I was going to sell, for $1,500/month. Complying with their demands would mean loss of ownership of the trailer and a net loss of $1,000/month. Each time I refused to accept their “refinance offer”, BFCU would send the Sheriff up to my house and tie up my truck so as to prohibit me from working. The first time this happened, I called Dan Daggett at his house. When I told him that the Sheriff had just visited, he replied “Well, I call it leverage”.

In Brenden Smith’s affidavits filed into our bankruptcy case, he states that he attended two one week seminars with Collections Expert William Mapother. Mr. Mapother died in June of 2006. I got a chance to review his website before it was removed. Brenden Smith was listed as among those that attended a seminar in 2004 and again in 2005. Mr. Smith’s employer was listed as Recovery CUSO, LLC., a Maine company founded in April of 2005.

Gretchen L. Jones Esq., of Auburn, was the clerk/registered agent for BFCU in 2005. Included in this package, is a letter Dated: October 11, 2005. It is from the legal counsel at the NCUA, it is addressed to Gretchen L. Jones, Esq. and is in response to an inquiry she made to them. Subject is in regards to: Permissibility of CUSO’s Purchase of Nonperforming Loans for Debt Collection. The following quote was taken from the letter:

“According to your description, the CUSO will provide debt collection services to its credit union owners, using a salaried attorney from one of the owner credit unions. The CUSO will reimburse the credit union for the attorney’s work and, in turn, will seek reimbursement from the credit unions using the debt collection service. Maine law, however, prevents the member credit unions from reimbursing the CUSO for the attorney’s work on debt collection unless the CUSO owns the nonperforming loans.”

The timing of this letter is important to note, it is dated three days after I was served a summons to court. Although this letter does not refer to the credit unions by name, it does state that they plan to use “a salaried attorney from one of the owner credit unions”. To my knowledge, BFCU is the only credit union that had a full time in house salaried attorney, who was also an officer of the credit union. Isn’t it a conflict of interest for an officer of the credit union to also be their collection attorney?

On page 17, of BFCU’s September 2005 finance report, (included in this package) there is another CUSO listed: Collections CUSO LLC. A current search on the Secretary of States website yielded no results for this CUSO.

In the summer/fall of 2004, Anne Brubach, along with Dan Daggett and Kaj Johansen of BFCU, attended William Mapother’s seminar in Waterville, Maine. Several times during the seminar, Dan Daggett would get excited when Mapother would tell them things that creditors could do in the collection process. Anne Brubach told Dan Daggett that some of those things were illegal in Maine and that she was not going to jail for him. Several months later, on February 17, 2005, knowing that she would not go along with his plans, Dan Daggett fired Anne Brubach, claiming that she couldn’t do her job. The previous month she had gotten the employee of the month award. Anne had been the one that trained Dan Daggett on the teller line, when he was hired at the credit union. This was well planned, as Robert Ireton-Hewitt had already been hired, and took Anne’s place a couple of days later, this is when my problems with BFCU started. Anne Brubach was not aware that BFCU had been selling the mortgages into the secondary market until I showed her the finance reports in September of 2008. Since her job was collections, it now makes sense that Dan Daggett would keep this information from her. Anne would have had a problem collecting payments on loans that BFCU no longer owned. In November of 2006, Robert Ireton-Hewitt was fired from BFCU. A little over a year ago, I was told that the reason that he was fired had to do with my case. He did act strange at the creditors meeting on October 20, 2006.

In the fall of 2004, Dan Daggett implied to me that he had taken a seminar on providing benefits to members. As I found out a year later, the seminar had nothing to do with providing benefits to members, it was the Mapother seminar on aggressive collection techniques. In December of 2004, Dan Daggett talked my wife and I into signing a second lien on our property, it connected the equipment loan to our real estate. This document was totally fabricated and was simply titled “Mortgage”. A casual observer would not know that this was referring to my equipment loan. This document was signed on December 14, 2004, but for some strange reason it was not recorded in the Sagadahoc County Registry of Deeds until March 31, 2005. Although BFCU regularly recorded documents during this three and a half month period. In exchange for signing this “Mortgage”, Dan Daggett loaned us additional money on the equipment loan, which was used to clean up a few business bills and gave us skip payments on both loans. Within this second mortgage is a statement that says: “Mortgager acknowledges and warrants that the value of the property herein exceeds the balance owed on all encumbrances against the property and there exists equity in the property for the benefit of mortgagee.” The sum of both liens against the real estate exceeded the value of the real estate by $75,000. Did Dan Daggett give us skip payments and delay the recording of the second lien, in order to give himself plenty of time to sell the first mortgage? Did he then sell out this second lien as a mortgage, even though it was my equipment loan?

It appears that BFCU was having financial problems, and eventually merged with DOWN EAST CREDIT UNION in the end of July of 2007. In April of 2008, DECU with the assistance of the Sagadahoc County Sheriff’s Department successfully repossessed my truck and trailers. I had over $200,000 invested. On June 11, 2008 I filed a suit against Dan Daggett, Brenden Smith and Robert Ireton-Hewitt in US District Court in Portland. The Sagadahoc County Sheriff’s Department refused to acknowledge the federal law suit along with other documents filed in both federal and state courts. On June 25, 2008, the Sheriff’s Department seized our home of 32 years. When we stopped to take care of our animals, my wife and I were illegally arrested for criminal trespassing on our own property and we each spent time in jail. Last week we had to scrape together $640 to pay the fine in order to avoid being found in contempt of court.

On October 24, 2008, I spoke with David Tozier, CEO of DECU, I asked for a meeting with him to discuss my case, and view my file. He said my file was quite large, I replied that all I needed to see was the original notes. He said he could bring certified copies, I replied that copies were not acceptable and that I would have to see the originals, he replied, OK. I offered to meet him halfway, but he said that he would meet me in Bowdoinham at 11:00 AM on Wednesday the 29th, a three hour drive from Baileyville. At approximately 2:00 PM on Tuesday the 28th, he called and cancelled the meeting. A review of DECU’s past finance reports indicates that before the merger, they were not selling the mortgages into the secondary market. This may explain why Mr. Tozier felt it wouldn’t be a problem to produce the originals, since they were kept in the Baileyville office. But as he was preparing for the meeting on Wednesday, he may have realized that my loan originated with BFCU, and discovered that they did not possess the original loan documents.

On December 3rd, 2008, I had an opportunity to speak with former Sheriff Mark Westrum, I stated to him that if the credit union didn’t have the original notes for both my truck loan and the house loan, that everything that they had done to me was null and void. His chin dropped and his head bobbed, he understood what I meant. I asked him if he would testify for us at trial in January, he replied “I suppose that I could be subpoenaed”. So I sent him a subpoena, when he received it he realized that he would be implicating himself and the Sheriff’s Department. He requested that the court quash the subpoena, which they immediately obliged. Coincidently, on the same day, the Asst. DA sent an offer to settle the trespassing charges, first offer in six months. I subpoenaed David Tozier, CEO of DECU and requested that he bring the original loan notes, and I also subpoenaed Dan Daggett, former CEO of BFCU. DECU’s attorney sent a letter to the court requesting that the subpoenas be quashed, again the court obliged.

On March 25, 2009, I sent a RESPA letter to DECU via Registered Mail. About a week later I received a response from their attorney Mark Frenette, saying that they would not be answering my letter. The RESPA letter required them to identify the holder in due course of the notes for my truck loan and house loan.

I sent copies of the RESPA letter to HUD, DOJ, FBI and FTC in Wash. DC. Last week I got a response from the FBI, Financial Crimes Section, the package that I sent to them would be forwarded to the FBI office in Augusta, Maine. (letter included)

I have prepared an identical package as the one that I’m sending to you. I will send it to the Augusta office of the FBI, since they have jurisdiction over Sagadahoc County.

I don’t know if after reading this, you will come to the same conclusion that I have or not. But deep down, I know there is something terribly wrong with the way this case has evolved. Of all the finance companies that I have associated with over the years, I have never been so viciously attacked and threatened. We had been members at this credit union for almost ten years, with never a problem that couldn’t be resolved. From October of 2005 to February of 2006, I made payments to BFCU totaling almost $20,000. I feel like a guinea pig for the Mapother technique.

Is there a way to discover who owns the notes?

Thank you for your consideration in this matter.


Leon E. Bard Jr.
P.O. Box 74
Bowdoin, Maine 04287

E-Mail: LeonBard54@aol.com

Cell: 207-319-2529
Daniel A. Daggett Former CEO of Bowdoinham Federal Credit Union
Brenden D. Smith Former VP of Collections/Lawyer of Bowdoinham Federal Credit Union
David Tozier Current CEO of Down East Credit Union
Robert Ireton-Hewitt former VP of Collections at Bowdoinham Federal Credit Union

Joseph Field Administrative Hearing Officer at West Bath District Court-For issuing a void judgment

Sagadahoc County Sheriffs Department-For false arrest, kidnapping and violation of due process rights


I've just finished reading your recent article, in regards to the Financial Crisis on Wall Street. Since the early part of last year, I've lost both my business and our family home to predatory lenders, a local credit union. It wasn't until I downloaded their finance reports from the NCUA's website, that I learned that they were selling the mortgages into the secondary market, and did not retain servicing rights. So far they have refused to produce the original notes. In addition to my home mortgage, I believe that the credit union converted my business/equipment loan to a mortgage (via a fabricated document) and may have sold it also into the secondary market. One of the points that you raised in your article is the fact that purchasers of these mortgages, skipped the actual physical recording of the mortgage at the county registry of deeds. This seems to be true in the local county registry of deeds, as I have been unable to find assignments that represent the millions of dollars worth of mortgages sold by the credit union. Both of my loans were obtained in May of 2004. In November of 2005, the credit union tried to get me to refinance both loans. Now I believe that they tried to get me to recontract with them because they had sold my notes. In addition to their finance reports, I have a witness that was an employee of the credit union at the time I obtained the loans, who overheard the CEO of the credit union make the statement that "they had to hurry up and get the house so that they could sell it". Are you aware of any means of tracking mortgages sold into the secondary market?

Thank You Leon Bard Bowdoin, Maine


Your story suggests the possibility to me that the CEO and/or officials of the credit union are receiving kickbacks to generate product for a firm doing securitizations. Credit unions are there for their members; they do not exist to churn loans as you experienced. When this happens, something untoward is going on.

I strongly suggest that you set up an appointment with your county District Attorney. If you feel he's compromised, send a detailed chronology via priority mail to your State Attorney General. Since it's likely these loans are crossing state lines, you could also call the FBI.

Once you have an easily understandable chronology with supporting documentation available, you should select a top investigative reporter at a trusted area newspaper to dig further and cover the story. If you wish to remain anonymous, you can give the information to the reporter "as background only."

Good luck to you.


Wyoming Sheriffs Put Feds in Their Place


County Sheriff Can Bust Big Brother: Wyoming Sheriffs Put Feds in Their Place

The duly elected sheriff of a county is the highest law enforcement official within a county. He has law enforcement powers that exceed that of any other state or federal official.

This is settled law that most people are not aware of.
County sheriffs in Wyoming have scored a big one for the 10th Amendment and states rights. The sheriffs slapped a federal intrusion upside the head and are insisting that all federal law enforcement officers and personnel from federal regulatory agencies must clear all their activity in a Wyoming County with the Sheriff's Office. Deja vu for those who remember big Richard Mack in Arizona .

Bighorn County Sheriff Dave Mattis spoke at a press conference following a recent U.S. District Court decision (Case No. 2:96-cv-099-J (2006)) and announced that all federal officials are forbidden to enter his county without his prior approval ......

"If a sheriff doesn't want the Feds in his county he has the constitutional right and power to keep them out, or ask them to leave, or
retain them in custody."

The court decision was the result of a suit against both the BATF and the IRS by Mattis and other members of the Wyoming Sheriff's Association. The suit in the Wyoming federal court district sought restoration of the protections enshrined in the United States Constitution and the Wyoming Constitution.

Guess what? The District Court ruled in favor of the sheriffs. In fact, they stated, Wyoming is a sovereign state and the duly elected sheriff of a county is the highest law enforcement official within a county and has law enforcement powers exceeding that of any other state or federal official." Go back and re-read this quote.

The court confirms and asserts that "the duly elected sheriff of a county is the highest law enforcement official within a county and has law enforcement powers EXCEEDING that of any other state OR federal official." And you thought the 10th Amendment was dead and buried - not in Wyoming , not yet.

But it gets even better. Since the judge stated that the sheriff "has law enforcement powers EXCEEDING that of any other state OR federal official," the Wyoming sheriffs are flexing their muscles. They are demanding access to all BATF files. Why? So as to verify that the agency is not violating provisions of Wyoming law that prohibits the registration of firearms or the keeping of a registry of firearm owners. This would be wrong.

The sheriffs are also demanding that federal agencies immediately cease the seizure of private property and the impoundment of private bank accounts without regard to due process in Wyoming state courts.

Gosh, it makes one wish that the sheriffs of the counties relative to Waco , Texas and Oklahoma City , Oklahoma regarding their jurisdictions were drinking the same water these Wyoming sheriffs are.

Sheriff Mattis said, "I am reacting in response to the actions of federal employees who have attempted to deprive citizens of my county of their privacy, their liberty, and their property without regard to constitutional safeguards. I hope that more sheriffs all across America will join us in protecting their citizens from the illegal activities of the IRS, EPA, BATF, FBI, or any other federal agency that is operating outside the confines of constitutional law. Employees of the IRS and the EPA are no longer welcome in Bighorn County unless they intend to operate in conformance to constitutional law." [Amen].

However, the sad reality is that sheriffs are elected, and that means they are required to be both law enforcement officials and politicians as well.
Unfortunately, Wyoming sheriffs are the exception rather than the rule . . .but they shouldn't be. Sheriffs have enormous power, if or when they choose to
use it. I share the hope of Sheriff Mattis that "more sheriffs all across America will join us in protecting their citizens."

If Wyoming Sheriffs can follow in the steps of former Arizona Sheriff Richard Mack and recognize both their power and authority, they could become champions for the memory of Thomas Jefferson who died thinking that he had won those "states' rights" debates with Alexander Hamilton.

This case is not just some amusing mountain melodrama. This is a BIG deal. This case is yet further evidence that the 10th Amendment is not yet totally dead, or in a complete decay in the United States . It is also significant in that it can, may, and hopefully will be interpreted to mean that "political subdivisions of a State are included within the meaning of the amendment, or that the powers exercised by a sheriff are an extension of those common law powers which the 10th Amendment explicitly reserves to the People, if they are not granted to the federal government or specifically prohibited to the States."

Winston Churchill observed, "If you will not fight for right when you can easily win without bloodshed; if you will not fight when your victory is sure and not too costly; you may come to the moment when you will have to fight with all the odds against you with only a precarious chance of survival. There may be a worse case. You may have to fight when there is no hope of victory at all, because it is better to perish than to live as slaves."


CERT. MAIL # 7006 2150 0005 2595 1253
November 4, 2009
James T. Glessner, State Court Administrator
Administrative Office of the Courts
P.O. Box 4820
Portland, ME 04112-4820
RE: Criminal Complaint against Judge Christine Foster, Biddeford District Court
Dear Mr. Glessner,
Pursuant to Title 4, Chapter 1 § 17, your duties as State Court Administrator include, but are not limited to, the study of operation, condition of business, practice and procedure of the Judicial Department; making recommendations for the efficient administration of justice; examinations of the status of dockets of all courts so as to determine cases and other judicial business that have been unduly delayed; investigating complaints with respect to the operation of the courts.
Pursuant to Title 4: Judiciary, Chapter 1 § 1 administrative responsibilities of the court and the Chief Justice, the Chief Justice, as the head of the judicial branch, shall, in accordance with the rules, regulations and orders of the Supreme Judicial Court, be responsible for the efficient operation of the judicial branch and for the expeditious dispatch of litigation therein and for the proper conduct of business in all courts and the prompt and proper administration of justice.
Pursuant to Title 4: Judiciary, Chapter 13 § 568. Duties of clerks as to records; All clerks of courts shall receive and safely keep all such records and papers lodged in their offices.
For years Judge Christine Foster has engaged in conduct prejudicial to the effective and expeditious administration of the business of the courts. Her conduct has been inconsistent with constitutional requirements, statutes, rules of court, decisional law, and common sense and non-compliant with the Code of judicial and ethical conduct. Her continuous pattern of improper activity, breach of duty, intentional harm upon litigants and misrepresentation of the judicial system is official oppression and racketeering. MAINE LAW DEFINING ’OFFICIAL OPPRESSION’: “A person is guilty of official oppression if, being a public servant and acting with the intention to benefit himself or another or to harm another, he knowingly commits an unauthorized act which purports to be an act of his office, or knowingly refrains from performing a duty imposed on him by law or clearly inherent in the nature of his office.”

Criminal conduct has become a regular way of conducting business in her court, as well as in the York County Superior Court, and constitutes “racketering activity” per RICO. Judge Foster's pattern of racketeering activity over a period of several years, in concert with others, her acts of extortion, obstruction of justice, conspiracy of rights, deprivations of rights and tampering with court records are crimes within the meaning of 18 U.S.C. and RICO. It is a crime to steal property through abuse of office. Another attempt is being made to steal a fourth piece of property from me in Judge Foster's court. She, in concert with others - including Judges and higher courts – have used their public offices to conspire, extort, defraud and obstruct justice to achieve an intended goal. Extortion under color of official right occurs when an agent of the government uses his or her legitimate governmental powers to obtain an illegitimate objective. The courts are being used as a racketeering enterprise to deprive litigants, with open-ended continuity extending indefinitely into the future, and commands a full investigation into the courts management and operations. Tampering with court files and dockets are commonplace in the court. The mail fraud statutes have been violated to advance a scheme to defraud.
Judge Christine Foster is in violation of the Maine Code of Judicial Conduct, Canons 1; 2(a)(b); 3(A)(B)(1)(2)(5)(7)(8), (C)(1), E(1), (2)(a)(b)(c)(d)(iv).
On July 9, 2009 I filed a Motion for Relief From Judgment pursuant to Rule 60(b) on grounds of Void Judgment and Motion for Recusal of Judge Christine Foster from presiding over any issues involving me. This case pertains to property and a contract between two people, one deceased. With the death of the defendant, the right sought to be enforced survives onto the surviving plaintiff.
On July 28, 2009 an order was issued directing me to file a fee of $60 within 7 days or the court would dismiss my motion without further hearing. I timely paid the $60 fee and have been denied access to the court. This is extortion.
On September 23, 2009 I filed a Motion for Directed Verdict, judgment as a matter of law, attached as Exhibit “A”.
On October 27, 2009 I filed a Motion to Compel Entry of Judgment for Directed Verdict by the Clerk, since 30 days had passed and the court failed to enter judgment, attached as Exhibit “B”.
On November 3, 2009 I received a denial of my Motion for Directed Verdict by Judge Foster, attached as Exhibit “C”. Judge Foster entered a denial, dated October 26, 2009, one day before my filing for judgment by the clerk. She had more than 30 days to act on my motion. It is my belief that this denial was predated due to my filing with the clerk. On November 3rd I went to the District Court to check the docketing of the Clerk's entry of Judgment for Directed Verdict. I learned that it had not been entered on the docket. I asked to speak with the head clerk. She had gone to lunch and I was given a time to return in which to speak with the clerk. When I returned to the court, Nancy LaFontaine (2nd in command) told me that the head clerk was not available, but purportedly did relay my questions to her, as I waited. LaFontaine refused to release this clerk's name. I requested to LaFontaine that she give me a date for hearing before the judge. LaFontaine refused stating that such requests must be in writing. I stated that I had filed previous motions for show cause hearings in the court and they had all been ignored.
I requested a certified copy the docket sheet on this case (BID 91-DV-23). I learned from Clerk LaFontaine that “a docket sheet was unavailable for this type of case.” I pursued a certified copy, which is needed for an appeal or whatever action may be taken, and was given Exhibit “D” as the docket sheet. This is totally unacceptable. Clerk LaFontaine notarized this document stating “Docket record unavailable for this case type.” Upon questioning the incomprehensible exhibit “D” documents, Clerk LaFontaine gave me “Exhibit E”. The failure of the clerk to safely maintain court records is a violation of Title 4: Judiciary, Chapter 13 § 568, Duties of clerks as to records, constitutes tampering with public records, solidifies my claim of aiding and abetting and demands that criminal charges also be pursued against the clerk(s).
On November 10, 2009 I filed an Objection with Motion to Vacate Denial of Entry of Judgment for Directed Verdict on grounds of 1)Abuse of Discretion, 2) Official Oppression, 3) Obstruction of Justice, 4) Fraud and 5) Void Order, attached as “Exhibit F”.
Judge Christine Foster had no authority to issue any order as I motioned for her recusal for many legitimate reasons.
Pattern of activity relative to this case:
On August 15, 2008 correspondence was sent to Matthew Pollack, Clerk of the Maine Supreme Court. Pursuant to M.R.SA. Title 4 § 120 Justice of the Superior Court to sit in District Court, I requested the order of the Chief Justice of the Supreme Judicial Court to assign Superior Court Justice Robert Crowley to sit in the Biddeford District Court in order to finish an issue in the above named case, which he had presided over as a Judge of the District Court and which remained unresolved after his confirmation to the Superior Court, attached as Exhibit “G”.
On November 17, 2008 a response from Mr. Pollack, Clerk of the Maine Supreme Court was sent to me stating that the Chief Justice cannot order Judge Crowley to hear my case (this contradicts and violates M.R.SA. Title 4 § 120), attached as Exhibit “H”.
On December 5, 2008 a response from Thomas Humphrey, Chief Justice, Superior Court was sent to me stating that due to “the trial courts experiencing a significant lack of judicial resources”, he declined to authorize his cross-assignment to the above named case, attached as Exhibit “I”.
The “lack of judicial resources” is not the reason for declining to uphold what State law mandates. Judge Humphrey is shielding Judge Crowley's involvement in this case where the pattern of racketeering began, in concert with opposing counsel. Criminal conduct became a regular way of conducting business in his court. His unlawful conduct commenced the racketeering activity. Additionally, I learned that Judge Crowley held a (fraudulent) foreclosure hearing upon my business property, in concert with bankers/attorney and without notice to me which resulted in the unlawful confiscation of my property and deprived me of my livelihood. I was denied my right to defend against bank fraud perpetrated against me.
Regarding Judge Humphrey and his refusal to authorize cross-assignment, he is in a direct conflict with me as he participated in a fraudulent foreclosure of my home. His order was issued in a court which lacked jurisdiction; my demand for change of venue and trial by jury were taken under advisement, however, Judge Humphrey issued an order in favor of a fraudulent foreclosure; no trial was held and my counterclaim was never acted upon. He has participated in the same pattern of activity as Judge Crowley and Judge Christine Foster, all resulting in the theft of property. This continued pattern of activity has found its way into the York County Superior Court as well.
March 6, 2009, my response to Judge Humphrey's December 5, 2009 correspondence, attached as Exhibit “J”. Judge Humphrey forwarded my letter to Ms. Laura O'Hanlon, Counsel for the Supreme Judicial Court.
Submitted as additional evidence to you is Case # BID-03-CV-179 involving the theft of my home through the concerted efforts of individuals, city officials and the courts. Attached hereto as “Exhibit “K” is a subpoena for my appearance in Judge Foster's court on 9/13/05 in an attempt to extort $35,000 from me. Certification of my attendance in court on 9/13/05, attached as “Exhibit L”. After all of the cases were called, I asked the clerk why this case had not been called. The clerk couldn't find the file, no one in the clerk's office could find the file. I explained the subpoena against me and the clerk had the party come to the clerk's window. The party played dumb, didn't understand or know anything about the subpoena that he had signed! He thought his Property Manager might have a copy of the subpoena, went to speak with him and was to return to the clerk. When he did not return, the clerk paged the party to come back to the clerk's window, but the party (and 2 other people) fled the courthouse. This is yet another example of the tampering with public records! To note, the Property Manager lives in MY home!
Issue of Appeals:
The issue of appeals now comes into play. It is fruitless to appeal to the Maine Supreme Court, as not one of the many cases filed has ever been granted, despite the crystal clear evidence of triable issues; gross violations of law, violations of procedural due process, malfeasance of office, judicial oppression, discrimination through abuse of judicial power, and tampering with court records in the lower courts. The Maine Supreme Court has continually upheld lower court decisions which violated both State and Federal constitutional law including, but not limited to, the Civil Rights Act of 1871 and 1964. In 2008, the Justice Department announced an agreement with administrative officials of the Maine judiciary which resolved an investigation of a complaint alleging that the Maine judicial branch, which receives federal funding, was not in compliance with Title VI of the Civil Rights Act of 1964, the Omnibus Crime Control and Safe Streets Act of 1968. However, under the terms of the agreement, the Justice Department will monitor Maine’s compliance for a period of two years. Maine courts are not in compliance with Federal law and continue to accept federal funding.
The matters affecting the administration of the Judicial Department are not in compliance with 4 M.R.S.A. as defined above. It is time for a probe of judicial misconduct within the Maine judicial system. It is useless to file appeals in the Maine Supreme Court until there is a total cleansing of the judicial system.
I request an immediate hearing with you to present additional evidence of the operation, condition of business, practice and procedure of the courts/court personnel in York County and a demand for investigation with respect to the operation of these courts. I sincerely hope this matter can be resolved in Maine. If within 10 days from receipt of this correspondence, there is no response from you, I will have no choice but to pursue this matter further.

I appreciate your cooperation and look forward to your immediate response.
Dorothy Lafortune P.O. Box 187 Biddeford, Maine 04005
Enc.(s) 12