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So where the hell have I been?

It’s a long story.  If I had to pin it down to one event out of many, I’d chalk it up to the new job.   Sucked the life outta me.  

A lot has changed in the past few months.  To top it all off, my ‘67 Impala has really died on me this time.  Nothing that can’t be fixed, but I’ve had to handle other issues first.  If I don’t get that thing into the shop for restoration, I’m going to go outside someday and find a heap of rust with a radio antenna sticking out of it.  That’ll be my car.

Meantime, I drive something more practical and sensible and dull during my 3 hour round-trip commute.  To compensate, I play the radio loud.  Real loud.  What?  I said LOUD.

I listen to just about anything, but for my money it’s alternative rock that suits the work week.   While listening to something weird and way too loud one fine day a week ago, I heard something weirder than usual.  It was like if you took the theme song from a spaghetti western and mixed in the theme music from a cheesy, B-movie space epic, you’d get this.  I thought to myself, “What the @#$% is this?”   Then I turned it up.  Then I turned it up some more. 

In one of my earliest posts here, I talked about the things I listen to while writing. I usually put a favorite song on “repeat” and just let it loop while I hammer away. 

I think this tune is gonna come in handy in the near future.  Just bought the CD last weekend.  The band, aptly named, is “Muse.”   If you like angsty techno-rock, check out the first vid-song at the top right of the page.  Stick around for the chorus.

http://www.youtube.com/user/muse?ob=1

I’m going to be blunt.

The WGA is cutting its own throat.

Writers are a dime a bazillion.

The Internet is not going to make the WGA more important.  In fact, the relevance of a “writer’s union” is laughable in the face of the free-media economy of the web. 

You spoiled, self-important hacks are looking at the evolution of media and crying “we want more.”    Waaah….you know how how much the average blog writer makes?  The average fanfic author?  I’m willing to bet a lot of them could write a show just as good as a union, WGA writer.   And for a lot less money.

Maybe 10 years ago, one still had to live in L.A. to be a scriptwriter and there was some basis for demanding a big salary.  (yes, to the rest of us who punch a clock for a living, you writers make a big salary.)  But today, people like me can draft a script for Supernatural, or the show of your choice, using a screenwriting program and email it to CW.  Hell, I’d be thrilled if I got $100.00 for it.

You heard me.  $100.00.  Thrilled.   I work cheap.  I write now as a hobby and pick up a few meager pennies from the stupid banner ads you see to the right of the page.  Wanna trade places, oh Ye of the Guild?

Didn’t think so.  But people like ME are going to replace people like YOU in the very near future.  The Internet is replacing network television.  TV schedules will become a thing of the past very quickly.  Soon, independent production companies will be releasing more movies and shows straight to the internet.  Why bother incurring the production costs of straight-to-DVD?

If you WGA dorks weren’t so busy freaking out about what you’re not making, while you’re still making pretty damn good money by anybody else’s standards - you’d realize that a Union is only valid so long as it represents a pool of specialized labor not easily replaced.

Bahahahaha!  That’s definately not you guys. Oh, don’t get your feelings hurt, I’m not saying the writing is bad.  In fact the Supernatural writers have my great admiration. I’m just saying that to think the WGA is going to “protect”  writing income, is pure baloney.  Ask the UAW how auto manufacturing jobs are going.  Take a good look around you, how are American jobs doing as a whole in the global economy?  Are real wages going up or down for most of us average joes? 

You know the answer, you chicken-livered pencil suckers.  So what makes you so special?

Nothing.

Tell the WGA to let you go back to work.  Or get ready to enter the bustling service economy with the rest of us.

Not that I needed one, but I developed yet another bad habit.  It started a few weeks ago.  It seemed an innocent diversion, at first.  I only did it once in awhile.  Before I knew it, I was going back to the fridge again, and again, for more.  Now, I can’t stop.

I chew ice. 

I have a system to it.  I use a clear cup so I can see the ice and keep track of how much I have.  I fill the cup up with ice, and then add a beverage.  Fruit juice, usually.  This flavors the ice and it’s like a giant snow cone when I chew on it.  Sometimes I go with plain water.

I like to let the ice sit a little while, so the edges aren’t as sharp.  Then when it’s small enough, I tilt the cup back and savour it. I don’t bite into it right away.  I roll it around, and test it between my teeth.  When it’s hit that critical stage where it’s melted enough to be soft, but not too melty, I bite down on it between my molars.

Crunch.

It feels good.  I have to do it again. 

Crunch.

Damn, is it just me, or is this fun?

Crunch, crunch, crunch…..

On the plus side, ice is a zero-calorie snack.  It’s also free, made fresh in the fridge.   I can chomp away guilt-free. 

On the negative….I’m getting compulsive about it.  Somewhere in the back of my mind, I realize it’s probably not normal to want the ice more than the beverage.  Also, this can’t be good for my teeth, which are already chock-full of old fillings just looking for reasons to have a mercury implosion. 

Crunch.  

J.K. Rowling just announced that one of the central characters in the Harry Potter series was gay.  The sexual orientation of Harry’s mentor, Albus Dumbledore, was revealed to the world during Rowling’s appearance at Carnegie Hall. 

Is it just me, or did this series, and this author, stop making sense a long time ago?

Let me disclaim here and now that I am not homophobic.  I couldn’t care less if one of the characters was gay, IF it made any @#$% sense. It’s pointless to mention it as an after-the-fact note after the conclusion of the series.  I haven’t been this annoyed since the fifth Star Trek movie suddenly gave Spock a half-brother.

It would be one thing if there was any purpose to this new relevation.  But there ain’t. I was already disappointed with this book as Rowling basically drags Dumbledore’s past through the mud, knocking him off the pedestal the first six books placed him on.  It seemed an artificial clouding of the character’s history, just to explain the magical artifacts du jour.

There was no hint of his sexual past one way or the other in that dredging, and she should have left it that way.

I have read and enjoyed the previous Harry Potter books, but frankly this series is over-rated and the last book was hyped beyond reason and worth.  Rowling gave us a fantasy series that was based on bits and pieces of every other fantasy series ever written; and while her wit is sharp and her action scenes well-executed, her main claim to fame is that her books were targeted at a youthful readership while being enjoyable to adults.  To wit, Harry Potter attracted the horde of readers who were interested in fantasy but who barely got past “The Hobbit” and never successfully read “The Lord of the Rings.”

(Dumbledore’s similarity to Gandalf is enough that any lawyer with ambition could try suing over it.   Maybe that’s why Dumbledore is suddenly gay.  I dunno.)

Other low points in the final book include the slaying of a few characters that die without any particular purpose.  There was one signifigant death that held a spark of purpose; the rest, were bodies layed by the wayside.  There were no goodbyes for them.  They’re dead. Bam. Next.   After seven books, and the elaborate funeral scene afforded to Dumbledore in the previous book, one would think Rowling could spare a few moments for the freshly-fallen.  Nope, it’s just a casualty list.  

And the epilogue at the end?  Short, shitty, and cheap, and again without much purpose. I think Rowling used the epilogue to keep the door propped open, in case she ever needs to make a few quick million by churning out another book.  Given this woman’s pechant for media sensation, I’ve a feeling she’ll eventually “give in”  to the “pleading of the fans” and write some book to explain the crap she came up with in the epilogue that jumped 20 years ahead. 

Or maybe she’ll write a new book to explain Dumbledore’s failed romance.  Somehow, I don’t see school libraries stocking that one. 

Ya know, if there was gonna be a gay character, my money would have been on Harry’s cousin Dudley.   And the house-elves didn’t seem too straight either.   Come to think of it,  Ron Weasley wasn’t the most masculine persona I’ve ever seen drift across a page.  And Professor McGonagall seemed kinda butch.  And….

I have been doing intenstive study of foreclosures lately, and in the process I discovered yet another threat to homeowners on the horizon.   The trend is silently picking up speed, and has, so far, escaped the attention of mainstream media.

It’s my sincere hope, that some cosmic rationale will echo this blog and get the word out.  Hell, it worked for my interest-rate rant on the earlier “Mortgage Meltdown” post.  Yes, you can thank me personally for the fact the Federal Reserve lowered the Prime Rate and that the DJIA is over 14,000 points at the moment.  Heh.

Anyway, on to some serious shit.

It’s no mystery that people end up in foreclosure due to increasing interest rates on adjustable-rate mortgages, or due to life events like divorce, or job loss.  By now we’ve heard about the sub-prime mortgage crisis to the umpteeth degree, which has tightened lending policies across the board.

Meaning that home-equity lines of credit are also harder to get.  Hang on to that thought, it’s important later on in this post.

Now, just imagine you’re a homeowner who is actually doing ok with the mortgage, and your property taxes are paid on time, and your utilities are up to date.  But maybe because your wages have been stagnant and you’ve had some big-ticket expenses, you are behind on a credit card or two.  And maybe you have an old medical bill that went to a court judgment because your insurance only paid half of it.  

So, there you are, taking care of the most important things, doing what you can with what you have, because after all, the credit card bills and the medical bills can’t take away anything, right?

Wrong, thanks to a company called “Velocity Investments” and a score of others just like them.  Velocity Investments gets to be the black wolf in my fairy-less tale, because they turned up most frequently in my research of non-mortgage foreclosures.  They have a presence ( an evil presence ) in several states.  

Velocity Investiments is a huge debt collection company with an army of laywers.  What they do is buy charged-off debts, usually unsecured loans and credit cards, and also financial judgments.  They buy them from the original lender/creditor for pennies on the dollar. These debts can be anywhere from few months old to several years old, and the amounts are anywhere from couple thousand dollars, on up. 

Once they buy a debt, they send a fresh collection notice out.  Odds are it’s ignored because the debt wasn’t originally with them, and the confused homeowner may assume it’s a scam.  Or they just don’t have the cash to pay it, and shrug the whole thing off. After all, it’s just a credit card or whatever, right?

Not anymore. Velocity Investiments sends collection notices out and then, at the first legal opportunity, files a suit for judgment against the homeowner.  The judgment lists V.I. as the “assignee” of whoever the original lender was. Whether they bought the debt for pennies on the dollar is immaterial; they pursue the judgment for the full, original debt, plus add their own fees, interests, and legal costs.

If the homeowner doesn’t show up to fight the judgment - or doesn’t show up with a sharp lawyer of their own - Velocity Investments wins the judgment, which gives them the right to garnish wages and/or seize assets.  Including property.  Like, your house.

Wait…you can lose your house over an old credit card balance of three grand or so?

Sure can!  Velocity Investments merrily induces foreclosure on homeowners in this situation.  They sue, push the house into foreclosure, force it into auction at a Sheriff’s Sale, then collect the judgment balance from the sale proceeds.  Which includes their own interest, legal fees, and everything imaginable they can stick on to a debt they purchased for pennies on the dollar.  It is now collected in full, and the difference lines their pockets.

Any money left after the mortgage is paid, and V.I. is paid, and any other liens against the property are paid, goes to the former homeowner…but so what.  Their credit is now trashed, they lost their home, and odds are they won’t get another mortgage approved very easily.

Could anything stop this ugly situation?  Well, if the homeowner has enough equity in their house, they might try a home equity line of credit, to get enough cash to pay off these bloodsuckers.  But remember that it’s harder to get any mortgage credit approved these days. If the homeowner has items in collection, forget it.  Banks are slamming doors in the face of applicants right and left.

We’ve heard a lot about “predatory lending” in the media.  It’s time “predatory collection” was brought to light.   This is the worst possible time for collection companies to get tough with the homeowners who still have their heads somewhat above water, and have a little equity to show for it.   So why is it happening?  Why the nut-busting tactics?

Because in an effort to keep their homes in the face of flat wages, rising interest rates, and rising energy costs, and rising property taxes, many homeowners have let the credit cards and “little debts” go to hell.  Two years ago, when property values were going nowhere but up, it was easy to get home equity loans to payoff other debts, or get extra spending power.   That’s no longer a sure bet.  Even if one were to voluntarily put their house up for sale, today’s market is slow and and buyers are scarce.

Since my earlier posts on the mortgage mess, the Fed has lowered the prime rate, but banks and mortgage lenders are still waiting for a bigger bailout by the government before they loosen the lending standards to anything attainable by ordinary people.  This may come in the form of federally-insured holding companies taking on the mortgage servicing ( and risks) of subprime loans, non-comforming loans, and jumbo mortgages. 

Sadly, the endless pass-the-buck mentality between the Feds and the banking industry has put homeowners in the path of ruin.  While they remain stranded, the most aggressive players in the collection industry are sending in the wolves.  By the time a financial rescue, if any, is organized, it will be too late for many hard-working homeowners who lost the American dream.  

It’s been a long time since I picked up a comic book.  As a kid, I used to read them all the time.  “Thor” was a favorite, being one of the few Marvel characters that didn’t seem like just one more guy in a super-suit.

Anyhow, I came across the new “Thor” while browsing magazines the other day, and the artwork alone induced me to buy it.  My first thought was, “Holy @#$%, a comic book costs that much these days?”

And then…advertisements.  I know, I’ve been living under a rock, but I didn’t expect ads for Old Spice and Saturn in a comic book that just cost me four bucks to start with. 

Price aside, I had no complaints. The paper quality and artwork has come a long way. 

To my further surprise, the story was actually decent.  This was “Thor #3″ and apparently it’s a new series, as Marvel previously killed off Thor in some prior issue.

A bit of internet research got me caught up on all the back story.  Let me say, as an aspiring and perspiring author, it drives me nuts that comic book writers can get away with murder and not miss a sale.  Thor’s Marvel character biography will only make sense to you if you’ve:  1) followed the stories since their inception  2) taken drugs.

Thor, over the years, has been turned into a frog, has turned into a woman, has killed his brother twice, has been killed himself twice, has been impersonated by an alien, and has done everything short of being split into an atom.

But, here he is, fresh from the void, with a new look, and a brooding, pensive attitude that seems to be the persona trend these days.  (But I suppose being dead can make a guy cranky.)

I wonder what it takes to get on board as a comic book writer.  With that kind of leeway, I could really wreck havoc. Like… Next issue: Thor discovers a long-lost cousin.  Bahahaha.

 I’m being buried alive by my own junk.   I’m not a technoid or a gotta-have-it type, but somehow I’ve accumliated a small warehouse of obsolete electronic goods. 

 Remote controls that I can’t identify, that go to products I may no longer have, pile up for the day when I might get brave and throw them all out.

Tiny media cards that belong to various generations of digital cameras seem to multiply through the house, appearing at random.  Except, of course, when I need one, and then there’s none in sight.

Dead VCR’s sit silent and dusty, in case the $40 DVD player I own fails me, and in case I find wisdom in spending twice that much to fix a broken VCR.  Who the hell am I kidding?  Yet the VCR could be fixed, and therefore maybe should be fixed, but…why?

Perhaps most eerie, are the blank, faceless CRT monitors of computers long gone, that wait, disembodied and dark, to be reconnected with another machine and restored to life.  Alas, they wait in vain, as flat-panel monitors - from China - are available under $150.00.

Tangled nests of power cords, battery packs, and surge suppressors form a grotto of mysterious cables that daunt my organizational skills and therefore occupy a large box.  They lay in there, like dormant snakes, waiting for me to stick my hand in. 

For not being especially fond of technology, I wonder at my own inability to part ways with the electronic relics that haunt my home.  Maybe it’s that I hate wasting things.  This stuff still works, or might work, or could work, given some minor investigation and repair. 

Though the truth is, it can all be replaced, and in most cases it would be cheapier and easier to do so.  Yet the notion of disposable technology hasn’t taken root with me.  I’m used to electronics and gadgets costing a small fortune.  The idea of changing cell phones every year, or upgrading to the latest-and-greatest computer every new release, just doesn’t feel natural.  I still have this archaic mentality that stuff is supposed to last. 

And in my house, it does last! Whether it’s plugged in or not. 

Mattel’s woes over lead-based paint in toys manufactured in China, is a reminder that you get what you pay for.   It wasn’t the first incident of a tainted product from China and it won’t be the last.  

Most Americans are unphased by product recalls. We’re used to them.  Cars, spinach, laptop computer batteries….we’ve seen it all come back.  So when something flubs in China, we give a collective shrug, grumble a bit about shoddy, cheap manufacturing, and then go back to Wal-Mart and buy more Chinese crap.

What is being overlooked in the product recalls from China, is the fact that China itself is a communist country, and it cannot be trusted to be forthcoming on product safety. China does not make mistakes.  China does not apologize. 

And despite having the world’s largest population and scant natural resources to sustain it, China will never accept seeing itself as anything less than the most powerful nation on earth.  Quietly, as we buy cheap crap that poisons our pets and our children, and China destroys it’s own water supply to produce it….the Chinese government is busy building up it’s military and planning space missions. 

What, you think they’re just going to fold up shop when they run out of water, oil, or non-contaminated food?  Hell no.  China already knows it’s resources and population will reach critical mass within the next 10 to 20 years.  What China needs, China will get.  There’s no acceptance of economic failure when you have a population of billions to support and your goverment’s power has nothing to do with democracy.  

China did not become wealthy because of its clever ideas or scientific breakthroughs or social reforms or political freedoms.  Hello…anybody else the least bit nervous?

Have I mentioned yet, that China has more crimes punishable by death than any civilized nation in the world?  Including such hair-raising crimes like….tax evasion.  No appeals. Just a single bullet in the back of the head at point-blank range.  To catch up with modern times, some Chinese cities now use execution vans that look like ordinary police transport vehicles, and these cruise around to administer lethal injections.  How many people die like this?  Nobody knows. China doesn’t share that sort of info, and being a Communist nation, it never will.  Only high-profile cases, like the execution of a corrupt CEO, gets any press release through the government-controlled media.  The more mundane business, like the daily busload of prisoners taken to killing fields and shot, goes unmentioned.  

Speaking of unmentioned….anybody remember the Tiananmen Square Massacre in Bejing, in 1989? Nobody in China does. You’re not allowed to remember.  It didn’t happen.  Journalists were arrested for covering it.  If you’re in China and you Google it, nothing pulls up.  So it doesn’t matter that hundreds - perhaps thousands - of students and workers were shot down by the military during a democracy rally.  Not counting those arrested and summarily disposed of.  

Ya know what’s a kicker?  George Bush Sr., our president at the time, backed sanctions against China as a result of the incident.   That bit of history isn’t stopping Bush Jr. from accepting the Chinese government’s invitation to the 2008 Olympics.  Or from looking the other way as the Chinese Yen is illegally undervalued by it’s own country and the trade deficit grows.

Nobody remembers the Hainan Island incident in 2001, either…or at least knows it by the facts. A United States spy plane had physical contact with a Chinese military plane within International airspace.  The Chinese plane crashed and the pilot died.  The U.S. plane with 24 crew members made an emergency landing, and was detained.  The U.S. ended up sending two formal letters of apology and accepted responsibility for the incident…even though the black boxes of both planes were held by China and the cause of the air contact could not therefore be pinned to the U.S. pilot.  The crew members were eventually released to the U.S., after enduring Chinese interrogation.

But hell, we cheerfully ushered China into the World Trade Organization later that same year.   Our own government lauded China’s entry, pitching the boon of a huge market that would now be open to U.S. products.   The fact that most of China’s population couldn’t afford a ripe orange, even if they combined their money together, didn’t seem to phase us.  China’s piss-poor human rights record, and the edgy military incident of just a few months prior, didn’t matter when the cash register was open.  

One enormous trade deficit later, China owns more in U.S. financial securities than we would care to admit. 

There are two faces to China.  They allow us to see the “New China.”  Shiny. Modern. Efficient.  Recently considered a “developing country”, it now sees itself as a superpower, perhaps rightfully so.  Behind all the new plastic and lead-based paint, however, there remains the “Old China.”  Communist.  Forbidding. Silent. Unmerciful. The China we forgot, the China that Google isn’t allowed to show in Bejing.

 MaryAnne’s blog contains a reference to Andrew Keen.      He’s  a crackpot who laments that the amateur content on the internet will overwhelm us, and destroy all forms of Intelliegence As We Know It.  The advent of MySpace, YouTube, and countless blogs written by talentless hacks will result in a digital anarchy that will render us numb to true art.

Andy is missing the good stuff out there.  If he had any sense, he’d realize that our media and technology has always been measured by its ability to facilitate porn.  Yes, it’s PORN that drives mankind to the height of expression!  From cave paintings to Egyptian scrolls to the taboo novels of the Victorian era, the overwhelming creative urge has been to describe numerous sex acts and draw dirty pictures. 

And let us not forget the progress of the Industrial Age! Why, did Andy even know, that Sigmund Freud invented the first vibrator? Yes, it was a steam-powered device created to ease the nervous tension of his female patients. 

We must also recognize the tremendous medical advances of our modern times, which brought us Viagra!  

The Internet is the best thing to have happened to porn since the advent of the printing press.  In fact it’s even better.  Now, instead of buying over-priced dirty magazines and grainy movies in sleazy roadside shacks along the interstate, and supporting the mafia in the process…

…you can shop a variety of porn right from the comfort and privacy of your own home.  Best of all, so much of it is FREE!  Yes, there’s sex stories, photos, and movies, for every imaginable bent and fetish and preference…FREE!!  It’s a beautiful world!!

Much of this free porn content is from amateur efforts.  How can Andrew Keen find fault with that?  Maybe he’s never had to jostle his way through a pack of truckers and sailors to buy an over-priced, already-flipped-through adult magazine in a dark, dirty store in the wrong side of town.  I for one, appreciate the creative Internet endeavors of our ambitious citizens and their use of webcams and digital cameras!  WAHOO!