The Beginning Of The End
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The United States Of Debt: Total Debt In America Hits A New Record High Of Nearly 60 Trillion Dollars

America Is BrokeWhat would you say if I told you that Americans are nearly 60 TRILLION dollars in debt?  Well, it is true.  When you total up all forms of debt including government debt, business debt, mortgage debt and consumer debt, we are 59.4 trillion dollars in debt.  That is an amount of money so large that it is difficult to describe it with words.  For example, if you were alive when Jesus Christ was born and you had spent 80 million dollars every single day since then, you still would not have spent 59.4 trillion dollars by now.  And most of this debt has been accumulated in recent decades.  If you go back 40 years ago, total debt in America was sitting at about 2.2 trillion dollars.  Somehow over the past four decades we have allowed the total amount of debt in the United States to get approximately 27 times larger.  This is utter insanity, and anyone that thinks this is sustainable is completely deluded.  We are living in the greatest debt bubble of all time, and there is no way that this is going to end well.  Just check out the chart…

Total Debt

When the last recession hit, total debt in America actually started going down for a short period of time.

But then the Federal Reserve and our politicians in Washington worked feverishly to reinflate the bubble and they assured everyone that everything was going to be just fine.  So Americans once again resorted to their free spending ways, and now total debt in the United States is rising at almost the same trajectory as before and has hit a new all-time record high.

We see a similar thing when we look at a chart for consumer debt in America…

Total Consumer Credit

For a while after the recession it was trendy to cut up your credit cards and get out of debt.

But that fad wore off rather quickly, didn’t it?

It is almost as if 2008 never happened.  We are making the same mistakes with debt that we did before.

As I noted recently, total consumer credit in the U.S. has risen by 22 percent over the past three years alone, and at this point 56 percent of all Americans have a subprime credit rating.

And have you noticed that a lot of people are not afraid to extend themselves in order to buy shiny new vehicles these days?

During the first quarter 0f this year, the size of the average vehicle loan soared to a new all-time record high of $27,612.

Five years ago, that number was just $24,174.

And as I noted in one recent article, the size of the average monthly car payment in this country is now up to $474.

That is practically a mortgage payment.

Speaking of mortgage payments, even though home sales have been falling and the rate of homeownership in the United States is the lowest that it has been in 19 years, a very large percentage of those who own homes are still overextended.

In fact, one recent survey discovered that a whopping 52 percent of Americans cannot even afford the house that they are living in right now.

At the same time, an increasing number of Americans are acting as if the last financial crisis never happened and are treating their homes like piggy banks.   Home equity loans are soaring again, and when the next great crisis strikes a lot of those people are going to end up getting into a lot of financial trouble.

There has been much written about what is wrong with the housing industry, but the truth is that home prices are still way too high and young adults cannot afford to purchase homes because they are already loaded down by huge amounts of debt even before they get to the point where they are ready to buy.

In fact, a newly released survey found that 47 percent of millennials are spending at least half of their paychecks on paying off debt…

Four in 10 millennials say they are “overwhelmed” by their debt — nearly double the number of baby boomers who feel that way, according to a Wells Fargo survey of more than 1,600 millennials between 22 and 33 years old, and 1,500 baby boomers between 49 and 59 years old.

To try to get out from underneath it, 47% said they spend at least half of their monthly paychecks on paying off their debts.

When I read that I was absolutely astounded.

Of course the biggest debt that many young adults are facing is student loan debt.  According to the Federal Reserve, there is now more than 1.2 trillion dollars of student loan debt in this country, and about 124 billion dollars of that total is more than 90 days delinquent.

What we have done to our young people is shameful.  We have encouraged them to sign up for a lifetime of debt slavery before they even understand what life is all about.  The following is an excerpt from my previous article entitled “Is College A Waste Of Time And Money?“…

In America today, approximately two-thirds of all college students graduate with student loan debt, and the average debt level has been steadily rising.  In fact, one study found that “70 percent of the class of 2013 is graduating with college-related debt – averaging $35,200 – including federal, state and private loans, as well as debt owed to family and accumulated through credit cards.”

That would be bad enough if most of these students were getting decent jobs that enabled them to service that debt.

But unfortunately, that is often not the case.  It has been estimated that about half of all recent college graduates are working jobs that do not even require a college degree.

Considering what you just read, is it a surprise that half of all college graduates in America are still financially dependent on their parents when they are two years out of college?

According to the U.S. Census Bureau, only 36 percent of all Americans under the age of 35 own a home at this point.  That is the lowest level that has ever been recorded.

And we are passing on to our young people the largest single debt in all of human history.  Weighing in at 17.5 trillion dollars, the U.S. national debt is a colossal behemoth.  And almost all of that debt has been accumulated over the past 40 years.  In fact, 40 years ago the U.S. national debt was less than half a trillion dollars.

But this is just the beginning.  As the Baby Boomer “demographic tsunami” washes through our economy, we are going to be facing a wave of red ink unlike anything we have ever contemplated before.

Meanwhile, the rest of the planet is drowning in debt as well.

As I wrote about the other day, the total amount of debt in the world has risen to a new all-time record high of $223,300,000,000,000.

Our “leaders” keep acting as if these debt levels can keep growing much faster than the overall level of economic growth indefinitely.

But anyone with even a shred of common sense knows that you can’t spend more money that you bring in forever.

At some point, a day of reckoning arrives.

2008 should have been a major wake up call that resulted in massive changes.  But instead, our leaders just patched up the old system and reinflated the old bubbles so that they are now even larger than they were before.

They assure us that they know exactly what they are doing and that everything will be just fine.

Unfortunately, they are dead wrong.

Agenda 21 Is Being Rammed Down The Throats Of Local Communities All Over America

United Nations FlagHave you ever heard of Agenda 21?  If not, don’t feel bad, because most Americans haven’t.  It is essentially a blueprint for a “sustainable world” that was introduced at the UN Conference on Environment and Development in Rio de Janeiro, Brazil in 1992.  Since then, it has been adopted by more than 200 counties and it has been modified and updated at other UN environmental summits.  The philosophy behind Agenda 21 is that our environmental problems are the number one problem that we are facing, and that those problems are being caused by human activity.  Therefore, according to Agenda 21 human activity needs to be tightly monitored, regulated and controlled for the greater good.  Individual liberties and freedoms must be sacrificed for the good of the planet.  If you are thinking that this sounds like it is exactly the opposite of what our founding fathers intended when they established this nation, you would be on the right track.  Those that promote the philosophy underlying Agenda 21 believe that human activity must be “managed” and that letting people make their own decisions is “destructive” and “dangerous”.  Sadly, the principles behind Agenda 21 are being rammed down the throats of local communities all over America, and most of the people living in those communities don’t even realize it.

So how is this being done?  Well, after Agenda 21 was adopted, an international organization known as the “International Council for Local Environmental Initiatives” (ICLEI) was established to help implement the goals of Agenda 21 in local communities.  One thing that they learned very quickly was that the “Agenda 21″ label was a red flag for a lot of people.  It tended to create quite a bit of opposition on the local level.

As they try to implement their goals, they very rarely use the term “Agenda 21″ anymore.  Instead, they use much more harmless sounding labels such as “smart growth”, “comprehensive land use planning” and especially “sustainable development”.

So just because something does not carry the Agenda 21 label does not mean that it is not promoting the goals of Agenda 21.

The goals of Agenda 21 are not only being implemented in the United States.  This is a massive worldwide effort that is being coordinated by the United Nations.  An article that was posted on RedState.com discussed some of the history of Agenda 21…

In simplified terms, Agenda 21 is a master blueprint, or guidelines, for constructing “sustainable” communities. Agenda 21 was put forth by the UN’s Commission on Sustainable Development, and was adopted by over 200 countries (signed into “soft law” by George Bush Sr.) at the United Nations Rio Conference in 1992. In 1994 the President’s Council for Sustainable Development was created via Executive Order by Bill Clinton to begin coordinating efforts at the Federal level to make the US Agenda 21 compliant.

The same year that Bill Clinton established the President’s Council for Sustainable Development, the International Code Council was also created.

The International Code Council has developed a large number of “international codes” which are intended to replace existing building codes all over the United States.  The following is a list of these codes from Wikipedia

  • International Building Code
  • International Residential Code
  • International Fire Code
  • International Plumbing Code
  • International Mechanical Code
  • International Fuel Gas Code
  • International Energy Conservation Code
  • ICC Performance Code
  • International Wildland Urban Interface Code
  • International Existing Building Code
  • International Property Maintenance Code
  • International Private Sewage Disposal Code
  • International Zoning Code
  • International Green Construction Code

These codes are very long and exceedingly boring, and those that write them know that hardly anyone will ever read them.

And for the most part, they contain a lot of things that are contained in existing building codes or that are common sense.

But a lot of poison has also been inserted into these codes.  If you read them carefully, the influence of Agenda 21 is painfully obvious.

Unfortunately, even most of the local politicians that are adopting these codes don’t take the time to read them.  Most of them just assume that they are “updating” their existing building codes.

So what often happens is that there will be fights in local communities between citizens that are concerned about the encroachment of Agenda 21 and local politicians who regard such talk as nonsense.  The following is an example of what is happening all over the nation

Summit Hill Borough Council last night unanimously adopted the “2012 edition of the International Property Maintenance Code,” but not before some audience members expressed vehement opposition to it.

An overflow crowd of 34 people attended the meeting, with some there to specifically voice their displeasure.

Sandy Dellicker, a borough resident, said she was against using an “international” maintenance code, arguing that it falls under the plan of Agenda 21 of the United Nations; an agenda for the 21st Century.

She said, “UN Agenda 21/Sustainable Development is the action plan to inventory and control all land, all water, all minerals, all plants, all animals, all construction, all means of production, all information, all energy, and all human beings in the world.”

“This is not a conspiracy theory,” she told the council. “This is for real.”

She said the International Property Maintenance Code had been adopted in Montgomery County, but the county “has already gotten rid of it” because of its dictatorial direction.

“This is not what Summit Hill and the United States is about,” she said.

Council members pooh-poohed her assessment. “In my opinion, the International Property Maintenance Code is to protect citizens,” said Council President Michael Kokinda.

It would be great if these codes were just about public safety.  But that is simply not the case.  Sadly, these codes are often used to fine or even imprison homeowners that haven’t done anything wrong.  Sometimes “code violations” are even used as justification to legally steal property from law-abiding homeowners.  A post on the Freedom Reigns Radio blog detailed some of the things that are often done in the name of “code enforcement”…

1) The ‘Code Official’ – anybody the jurisdiction calls – a ‘Code Official’ – is the sole interpreter – no due process – Gestapo!

2) Every day an offense occurs is a separate mandatory misdemeanor – $555/day and/or a month in jail in Charleston, W.Va. They can fine you out of your home and jail you at their whim!

3) Anything the ‘Code Official’ says is not in good working condition – sticky window, dented or plugged gutter, torn window screen – whatever he says is not in good working order – hundreds of dollars of fines per day and/or jail time – usually a month – for every day the offense occurs.

4) Any unsanitary condition – whatever the ‘Code Official’ says is an ‘unsanitary condition’ – empty pop cans – puddles – dog droppings on your property – same deal – same fines and/or jail time – every day.

5) Any plant that the ‘Code Official’ says is a ‘noxious weed’ – same deal – same fines and/or jail time – every day. He can steal raw land.

6) He can fine you out of your home and jail you with no due process. Any court proceedings are window dressing as there is no remedy associated with this ‘code.’

7) It can be ‘adopted’ – just by an ‘administrative decree.’
WITHOUT COURT ACTION OR NOTICE THE CODE OFFICIAL CAN:
1) Enter your house whenever he – the sole interpreter – deems reasonable.
2) Prevent you from entering your house.
3) Tear your house down with your stuff in it.
4) Bill you for the demolition.
5) Place a lien on it for fines and/or demolition charges – steal it.
6) And ‘best’ of all, no insurance I know of will cover your losses.

You’re left w/a house and your ‘stuff’ in a landfill – and any remaining unpaid mortgage, any remaining fines, any remaining taxes, and any remaining demolition charges after they steal your property

These codes restrict what homeowners can do with their own properties in thousands of different ways.  If you rebel against one of the codes, the penalties can be extremely harsh.

And there is often “selective enforcement” of these codes.  That means that they will leave most people alone but they will come down really hard on people that they do not like.  You could even end up with a SWAT team on your doorstep.

Just ask some of the people who have been through this kind of thing.

Even if you have your mortgage completely paid off, that doesn’t mean that you really “own” your property.  If you don’t pay your taxes and obey the “codes”, you could lose your property very rapidly.

The philosophy behind all of this is the same philosophy behind Agenda 21.  The elite believe that you cannot be trusted to do the “right thing” with your own property and that your activity must be “managed” for the greater good.  They believe that by controlling you and restricting your liberties that they are “saving the planet”.

Unfortunately, you can probably expect this to get a whole lot worse in the years ahead.  Our society is shifting from one that cherishes individual liberties and freedoms to one that is fully embracing collectivism.  So our politicians will likely be making even more of our decisions for us as the years move forward.

Do any of you out there have any “code violation horror stories” to share?  If so, please share them with us by posting a comment below…

Amerika

 

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