Category Archives: Accountability

Credit reporting, Insurance companies, Rackets, Credit scores fallacies, Accountability, Transunion, Credit reporting entities create the problem and make money doing it, Consumers are victims

Credit reporting, Insurance companies, Rackets, Credit scores fallacies, Accountability, Transunion, Credit reporting entities create the problem and make money doing it, Consumers are victims

“Well, here we go again. Bank of America, a very large bank based in Charlotte NC is punishing it’s credit card customers for it’s lack of business acumen. This is a prevalent theme in modern day american business. Exorbitant salaries are paid to upper management, with “golden parachutes”, and when they don’t do their jobs properly, who gets punished. The customers and employees. Bank of America has a policy that appears rather arbitrary and unfair. Despite perfect payment records, credit card rates are being jacked up. Despite the fact that there have been recent congressional hearings into credit card companies and banks regarding their practices of affecting FICO scores and raising rates and heightened consumer awareness, Bank of America callously impacts good customers.”…Citizen Wells February 13, 2008

“Golden West Financial (WB), a longtime FICO skeptic, is one of the few mortgage lenders to minimize its use in recent years—and it credits that decision for its below-average mortgage losses.”  “The way we do business is a lot more costly, and cost was a big reason many competitors embraced credit scoring,” he says. “But some of our best borrowers had low FICO scores and our worst had FICO scores of 750.”…Bloomberg February 6, 2008

“Freedom is the freedom to say that two plus two make four. If that is granted, all else follows.”…George Orwell, “1984″

 

 

I did not start Citizen Wells to report so much on Barack Hussein Obama and corruption in our government.

My original intent was to report on injustice in general and our educational system.

One of the areas I would have preferred to address is credit reporting and its impact on the public.

I am very knowledgeable about the subject.

After my lengthy IT career I was involved in small time real estate investments and renovations. As a byproduct of that activity I dealt with a lot of lenders and consequently had to stay on top of my credit report and score.

What I learned during that process was shocking. The total lack of accountability of the major credit reporting agencies, Equifax, Experian and Transunion as well as the companies reporting credit data.

I have owned a cell phone since the early nineties and the cell phone companies were some of the worst at reporting and correcting errors. After getting attorneys involved in one situation and after much time had elapsed, I actually received an apology from one of them. It was their error, I had pointed it out earlier with extensive documentation. Ironically I was sitting in the office of my coastal real estate agent at the time. She had helped with some of the real estate transactions.

My life has changed and I rarely deal with credit issues.

I have one credit card that I use and pay off every month. I just received a credit limit increase from them.

Last year I received a notice from State Farm of a rather large increase to my home owners insurance policy. I called and was informed it affected the entire state. My neighbors recommended Farm Bureau, I went with them and they saved me money on my auto and home owners policy.

I paid for both in advance.

I just received a statement for my auto insurance for 6 months. It went up some.

They pulled my credit report. I have not checked it in a while since I have not borrowed money.

They found a problem and used that as justification for an increase.

I did not authorize having my credit report being pulled.

It turns out that they can anyway.

I did some research.

Under some circumstances they are allowed to. This is a grey area which I will explore further.

So naturally I atempted to get my free credit report.

I was unable to do so. I think I know why now. They have not updated my current address even though I have been living here over 3 years.

Instead of writing them for a copy, in the interest of time I signed up with Transunion for a trial credit monitoring, score and report.

I had no intention of paying them $ 17 per month for this. Back in the day I used one for approx. $ 35 a year. But I needed it then.

I logged on, immediately found some errors and attempted an online dispute. This was not allowed.

I next dialed a number provided. A lady from India or Pakistan (I assume & I should know….IT background). She was difficult to understand (God bless her) and kept asking for my “mailing address.” I kept explaining to her that I had a physical address that I received some mail at and a billing address as well. They had an old billing address and I pointed it out. I finally spoke to a supervisor, apparently also from the area of India. She spoke better English but still didn’t get it. She next wanted to go over every item in the report. I explained that I just wanted to dispute a few. In the past this was done simply online or with a easily understandable human.

I explained that it was their responsibility to keep the information accurate. They did not even have my billing address on file even though they had the credit card info.

At an impasse, I stated that I was extremely dissatisfied with Transunion, nothing personal against her and said goodbye.

I next canceled my Transunion service. The credit report cost $ 1 and saved me some time.

This of course is all a racket and has gotten much worse over the years.

I will next confront Farm Bureau Insurance and explain what has happened. I will ask if they want to get the attorneys involved.

Regardless, I will contact officials of the state of NC and hopefully, with so many republicans in power here, get an appropriate response.

This may take a while.

To be continued.

 

 

 

 

 

 

Senate Intelligence Committee Bipartisan Benghazi Report, January 15, 2014, Senator Richard Burr, Declassified findings, Disappointing lack of accountability

Senate Intelligence Committee Bipartisan Benghazi Report, January 15, 2014, Senator Richard Burr, Declassified findings, Disappointing lack of accountability

“we do know that Islamic extremists with ties to Al-Qa’ida participated in the attack.”…CIA Benghazi talking points memo

“The question that I had in my mind, was why did we not do something to protect our forces?”…Charles Woods, father of slain Navy Seal

“I will stand with the Muslims should the political winds shift in an ugly direction.”…Barack Obama

From Senator Richard Burr of NC January 15, 2014.

 
United States Senator ∙ North CarolinaRichard Burr

217 Russell Senate Office Bldg. ∙ Washington, D.C. 20510

(202) 224-3154 ∙ FAX (202) 228-2981

http://www.burr.senate.gov

Senator Burr Releases Statement on the Intelligence Committee’s Bipartisan Benghazi Report

FOR IMMEDIATE RELEASEWednesday, January 15, 2014 CONTACT:Phone: Rachel Hicks(202) 228-1616

WASHINGTON, DC – Today, U.S. Senator Richard Burr (R-NC) released the following statement regarding the Intelligence Committee’s bipartisan report on the terrorist attacks in Benghazi, Libya.

“Today the Senate Select Committee on Intelligence released the most detailed, bipartisan report to date on the September 11, 2011, terrorist attacks in Benghazi, Libya.

The committee’s report presents a wide range of declassified findings that will allow the public to more fully understand the deteriorating security situation in Benghazi leading up to the attacks, and the lack of State Department recognition of the danger to our personnel.

This bipartisan report is a step forward in our understanding of these events, but should not by any means be viewed as a final verdict.  To the extent this report is incomplete, it is not due to the Committee’s unwillingness to investigate, but the State Department’s intransigence.  It is our obligation and duty to continue to ask probing questions and investigate all details as they continue to come to light – as they invariably will.

Despite the Committee’s best efforts to investigate all relevant threads of information, I still feel strongly that there remains a disappointing lack of accountability. It is my hope that this bipartisan report will serve as a foundation to continue the discussion and search for answers.”

Read report:

http://www.intelligence.senate.gov/benghazi2014/benghazi.pdf

US labor department BLS jobs data, May 2013, Cooking the books?, Unemployment report revised numbers, Job Openings and Labor Turnover Summary, Orwell 2 + 2 = 5

US labor department BLS jobs data, May 2013, Cooking the books?, Unemployment report revised numbers, Job Openings and Labor Turnover Summary, Orwell 2 + 2 = 5

“With a 63.7% labor force participation, “conditions in the labor market are considerably worse than indicated” in July’s report”…economist Joshua Shapiro, WSJ August 3, 2012

“Since the Democrats took control of both houses of congress in January 2007, the number of people who could only find part time work has gone up 215 percent”…Citizen Wells

“Freedom is the freedom to say that two plus two make four. If that is granted, all else follows.”…George Orwell, “1984″

 

 

The US Labor Department BLS, Bureau of Labor Statistics, came out with 2 reports in May with their jobs and unemployment data. BLS reports on jobs and unemployment have long been suspect. A recent ADP report on private sector jobs added did not mesh well with the government reports.

The two BLS reports do not mesh well either.

From the BLS May 3, 2013.

“THE EMPLOYMENT SITUATION — APRIL 2013″

“The change in total nonfarm payroll employment for February was
revised from +268,000 to +332,000, and the change for March was
revised from +88,000 to +138,000. With these revisions, employment
gains in February and March combined were 114,000 higher than
previously reported.”

http://www.bls.gov/news.release/empsit.nr0.htm

From the BLS May 7, 2013.

“Job Openings and Labor Turnover Summary”

“JOB OPENINGS AND LABOR TURNOVER – MARCH 2013″
Table A. Job openings, hires, and total separations by industry, seasonally adjusted
———————————————————————————————-
| Job openings              | Hires                            | Total separations
|————————————————————–
| Mar. | Feb. | Mar.     | Mar. | Feb.   | Mar. |    Mar. | Feb.   | Mar.
| 2012 | 2013 | 2013p| 2012 | 2013 | 2013p| 2012 | 2013 | 2013p
——————————-|————————————————————–
| Levels (in thousands)
|————————————————————–
|3,848 |3,899 |3,844 |4,435 |4,451 |4,259 |4,180 |4,180 |4,213
“Net Change in Employment

Large numbers of hires and separations occur every month throughout the business cycle. Net employment change results from the relationship between hires and separations. When the number of hires exceeds the number of separations, employment rises, even if the hires level is steady or declining.
Conversely, when the number of hires is less than the number of separations, employment declines, even if the hires level is steady or rising. Over the 12 months ending in March 2013, hires totaled 51.8 million and separations totaled 50.1 million, yielding a net employment gain of 1.7 million. These figures include workers who may have been hired and separated more than once during the year.”

http://www.bls.gov/news.release/jolts.nr0.htm

The “p” stands for preliminary (decoder ring setting smoke & mirrors).

Using the BLS rules outlined above, the following calculations should yield the employment gains by month.

Feb 2013 hires                4,451,000

Minus

Feb 2013 separations   4,180,000

Feb job gains              271,000

Mar 2013 hires                4,259,000

Minus

Mar 2013 separations   4,213,000

Feb job gains                46,000

From the BLS above:

“The change in total nonfarm payroll employment for February was
revised from +268,000 to +332,000, and the change for March was
revised from +88,000 to +138,000.”

Huh?

Isn’t this what Orwell warned us about?

Obama Hillary Clinton revealed, February 3, 2013, Truth in print in NC, Clinton testimony exposed, Obama stupid gun comment, Rhino Times Obama administration truth

Obama Hillary Clinton revealed, February 3, 2013, Truth in print in NC, Clinton testimony exposed, Obama stupid gun comment, Rhino Times Obama administration truth

“But Crowley and Obama had it wrong. the Post’s Glenn Kessler explained:

What did Obama say in the Rose Garden a day after the attack in Libya? ”No acts of terror will ever shake the resolve of this nation,” he said.
But he did not say “terrorism”—and it took the administration days to concede that that it an “act of terrorism” that appears unrelated to initial reports of anger at a video that defamed the prophet Muhammad.”…Washington Post Oct. 17, 2012

“The question that I had in my mind, was why did we not do something to protect our forces?”…Charles Woods, father of slain Navy Seal

“I will stand with the Muslims should the political winds shift in an ugly direction.”…Barack Obama

 

 

Yesterday it was reported here that Warren Buffett’s Berkshire Hathaway had just bought the Greensboro News Record. The impact of that transaction may have already resulted in biased wording. This will be watched closely and counteracted to the extent possible.

This makes the role of the Rhinoceros Times, also based in Greensboro, NC, even more important. It too is in print and on the internet.

From the Rhino Times January 31, 2013.

The senators who finally got Secretary of State Hillary Clinton to testify had a lot of fun speechifying instead of asking questions. Sen. Rand Paul made his point that Hillary Clinton should have been fired, but why didn’t any senator ask her the question that should have been at the top of the list — why didn’t she know what happened in Benghazi, if not while it was going on, shortly after?

The ambassador and three other State Department employees were killed, but most of the State Department employees who were there were still alive on Sept. 12 and are alive today. Does Hillary Clinton not know how to use a telephone? Why didn’t she simply call one of the survivors and ask what happened.

If she had she would have known that it was not a spontaneous attack caused by a video or by people out walking around who decided they wanted to kill Americans. Hillary Clinton may not know that few people bring mortars and heavy machine guns to spontaneous rallies or take them on walks, even in the Middle East, but if she had simply talked to some of the survivors she would have known that it was not a spontaneous demonstration.

Rand was right that Hillary Clinton should have been fired for dereliction of duty for not reading the emails from her ambassador in Libya, but what was worse is that, according to what Clinton said, she took no action to find out what did happen at the US compound in Benghazi and at the CIA compund where the ex-Navy Seals were killed.

For what possible reason did it take weeks for the US government to find out what happened? Why wasn’t the compound sealed off? Why did it take weeks for the State Department to send the FBI to the scene to investigate?”

, , ,
“A statement thet rivals Hillary Clintons in outrageousness is Obama’s statement about gun control legislation: “If it saves only one life, it is worth it.” That is so stupid it is hard to believe that Obama’s speech writers allowed him to utter that phrase.

Lowering the national speed limit to 45 mph would save thousands of lives. Putting a trauma center in every little town in this country and in every neighborhood in cities would likewise save thousands of lives. One of the major causes of death in homes is falls, particularly in the bathroom. Ladders and bathtubs have no constitutional protection. So if Obama outlawed ladders and bathtubs thousands of lives could be saved.”

I would provide a link to this article, but I could find none.

Democrats blame Republicans for Democrat policy failures, Lack reason and accountability, End justifies the means, Democrat policies destroyed economy jobs family budgets

Democrats blame Republicans for Democrat policy failures, Lack reason and accountability, End justifies the means, Democrat policies destroyed economy jobs family budgets

“only 2 percent of the 3.5 million jobs gained since the recession ended in June 2009 are midpay. Nearly 70 percent are low-paying jobs”…AP, Kitsap Sun January 22, 2013

“With a 63.7% labor force participation, “conditions in the labor market are considerably worse than indicated” in July’s report”…economist Joshua Shapiro, WSJ August 3, 2012

A tax increase to a company results in some combination of the following:
Product and service price increases.
Employee and hours cutbacks.
Reduced hiring.”…Citizen Wells

I am not praising Republicans.

Many of the actions and policies of Obama liberal Democrats can be simply explained.

The end justifies the means.

They lack reason and accountability.

From the Mirriam Webster Dictionary.

Reason

2 a (1) : the power of comprehending, inferring, or thinking especially in orderly rational ways : intelligence (2) : proper exercise of the mind (3) : sanity

Accountability

the quality or state of being accountable; especially : an obligation or willingness to accept responsibility or to account for one’s actions <public officials lacking accountability>

Yesterday I was informed of the following letter to the editors of the Greensboro Daily News. The author, an older gentleman, is someone that I know. He represents the old guard, those who follow the Democrat Party come what may, and blame Republicans for all that is wrong. Lack of reason and accountability.

“Obama is right to get tough on Republicans”

“Regarding “Obama warns GOP in debt ceiling battle” (news article, Jan. 15) and “Mr. Friendly Obama unveils tough talk” by Dana Milbank (column, Jan. 16):

So, President Barack Obama “warned” the GOP in his recent White House news conference. Applause!

From now on, I hope he will continue to brand Republicans in a way, and to a depth, that FDR did in 1932!

We already know that congressional Republicans cannot win the debt ceiling “battle,” and the only question now is, “how badly will they lose the fight?” The answer is, “How much they will be perceived as harming the American people.”

We also know that congressional Republicans seem determined to harm Americans by turning our nation into a Third World country where the majority of people live in poverty, are poorly educated (if at all), are without quality health care, without Social Security and without taxes — of course! — but with a massive military to protect the wealth of the powerful “2 percenters.” No doubt about it.

Yes, Mr. Milbank, “friendly Obama” recently spoke like Lincoln or TR, or FDR or Truman, or LBJ when he delivered the free, “tough and friendly advice” to the GOP. Again, applause!”

http://www.news-record.com/opinion/623224-94/obama-is-right-to-get#continue

The last time that Republicans controlled the White House and Congress was December 2008.

The Labor Force Participation Rate in December 2008 was 65.8 %.

The Labor Force Participation Rate in December 2012 was 63.6 %.

Add that 2.2% drop in the labor force participation to the unemployment rate!

Reported here yesterday from the AP.

“But 42 months after the Great Recession ended, the U.S. has gained only 3.5 million, or 47 percent, of the 7.5 million jobs that were lost.”

“But only 2 percent of the 3.5 million jobs gained since the recession ended in June 2009 are midpay. Nearly 70 percent are low-paying jobs;”

http://citizenwells.wordpress.com/2013/01/23/ap-job-facts-january-23-2013-recession-tech-kill-middle-class-jobs-70-percent-of-jobs-added-low-paying-government-policies-biggest-job-killer/

In 2009 when Obama took office, 31.9 million Americans used Food Stamps.

The latest numbers from the USDA reveal that over 47 million Americans now use Food Stamps.

These economic failures from the Democrats have come with record spending and increased taxes for lower income Americans.

It is no wonder why Obama and so many on the left are anti religion.

“And you shall know the truth, and the truth shall set you free.”…Jesus, John 8:32

Bob Schieffer Nazi comment, Schieffer CBS owe Americans and Nazi victims apology, Nazis confiscated guns herded Jews, Edward R Murrow reported truth

Bob Schieffer Nazi comment, Schieffer CBS owe Americans and Nazi victims apology, Nazis confiscated guns herded Jews, Edward R Murrow reported truth

“surely, defeating the Nazis, was a much more formidable task than taking on the gun lobby.”…Bob Schieffer

“While my father was hunted, Schieffer lived comfortably in Texas, where private citizens had guns and children were safe. There is no need to denigrate Schieffer, but he and his ilk need to be educated before invoking the worst evils of mankind.

The NAZIs were nothing like the National Rifle Association. They were the exact opposite. The Nazis were anti-gun. They confiscated guns, starting with those owned by Jews. Like many liberal American Jews today, German Jews were told everything would be fine. The government would protect them.”…Eric Golub

“A nation of sheep will beget a government of wolves.”…Edward R. Murrow

There was a time when I had respect for Bob Schieffer and CBS News. That respect and trust has eroded for years. Recently, any respect I had for Scheiffer completely evaporated.

Recently Bob Schieffer referred to the struggle against gun proponents in the context of defeating the Nazis. At CBS, the home of Edward R. Murrow, who knew first hand the tyranny and terror of the Nazis, who took guns away from the Jews, herded them up and destroyed them. Murrow did his best to inform America and the world of these atrocities.

Bob Schieffer and CBS owe the American public and victims of Nazi atrocities an apology.

From Last Resistance January 18, 2013.

“I desperately tried to find a great quote that would summarize my thoughts on what I’m about to write. I searched all over the web, and could find not a single quote that encapsulated the preposterousness of what Bob Schieffer said on Wednesday. So rather than blather on with platitudes, like I usually do, I’m gonna get right to it.

According to Bob Schieffer, President Obama’s battle against the NRA is comparable to both Lyndon Johnson’s civil rights battles, and the defeat of the Nazis in World War II. Here’s the exact quote for your perusal and general amusement:

“Let’s remember: there was considerable opposition when Lyndon Johnson went to the Congress and…presented some of the most comprehensive civil rights legislation in the history of this country. Most people told him he couldn’t get it done, but he figured out a way to do it. And that’s what Barack Obama is going to have to do…what happened in Newtown was probably the worst day in this country’s history since 9/11. We found Osama bin Laden. We tracked him down. We changed the way that we dealt with that problem. Surely, finding Osama bin Laden; surely, passing civil rights legislation, as Lyndon Johnson was able to do; and before that, surely, defeating the Nazis, was a much more formidable task than taking on the gun lobby.””

“Now onto the second part of Schieffer’s diatribe. In his rant, he equates going up against the NRA with defeating the Nazis. Seems a bit extreme. Bob Schieffer is exaggerating to such an extent, that it goes beyond simple hyperbole; it moves toward irresponsibility.

So, when actually analyzed, the information in Schieffer’s quote is nothing more than simple lies through omission, and grotesque exaggerations. It is really disturbing to me that this man is regarded as a national treasure in the news industry. He distorts the truth, and propagates gross misrepresentations; which is the exact opposite of what a journalist should do.

I would admonish Schieffer; tell him that he’s better than this garbage; but I know he’s not. Schieffer is just one of a million “journalists” who are propping this President up. Don’t believe a word he says, because he is a snake.”

Read more:

http://lastresistance.com/1064/bob-schieffer-obama-taking-on-nra-defeating-the-nazis/

From  Eric Golub and the Washington Times January 17, 2013.

“Liberals like Schieffer cannot stop. Maybe they are pro-Adolf Hitler, given their insistence in injecting him into every conversation about conservative policies from tax cuts to gun control to foreign policy. Hitler, Brown-shirts, Nazis, Goose-Steppers, and similar analogies flow from their lips as casually as others say “nice day” and “lovely weather.”

This is deeply personal for me. My father is a Holocaust survivor. So were his parents. They lived in the woods, constantly on the run. Like animals, they survived through luck and instinct. My father was a baby, spending his first four years hunted like a dog. My grandmother would keep him under her shirt to muffle his cries. Christians (those people the left keeps demonizing) risked their own lives and smuggled my grandfather food and clothing. There was no shelter. After four years on the run, World War II ended. Four years after that, my father and his parents came to America. They were lucky. His grandparents, my great-grandparents were all murdered.”

Read more:

http://communities.washingtontimes.com/neighborhood/tygrrrr-express/2013/jan/17/bob-schieffer-nra-and-nazis-never-again/

Edward R. Murrow

RTNDA Convention October 15, 1958

“Believing that potentially the commercial system of broadcasting as practiced in this country is the best and freest yet devised, I have decided to express my concern about what I believe to be happening to radio and television. These instruments have been good to me beyond my due. There exists in mind no reasonable grounds for personal complaint. I have no feud, either with my employers, any sponsors, or with the professional critics of radio and television. But I am seized with an abiding fear regarding what these two instruments are doing to our society, our culture and our heritage.

Our history will be what we make it. And if there are any historians about fifty or a hundred years from now, and there should be preserved the kinescopes for one week of all three networks, they will there find recorded in black and white, or color, evidence of decadence, escapism and insulation from the realities of the world in which we live. I invite your attention to the television schedules of all networks between the hours of 8 and 11 p.m., Eastern Time. Here you will find only fleeting and spasmodic reference to the fact that this nation is in mortal danger. There are, it is true, occasional informative programs presented in that intellectual ghetto on Sunday afternoons. But during the daily peak viewing periods, television in the main insulates us from the realities of the world in which we live. If this state of affairs continues, we may alter an advertising slogan to read: LOOK NOW, PAY LATER.

For surely we shall pay for using this most powerful instrument of communication to insulate the citizenry from the hard and demanding realities which must be faced if we are to survive. I mean the word survive literally. If there were to be a competition in indifference, or perhaps in insulation from reality, then Nero and his fiddle, Chamberlain and his umbrella, could not find a place on an early afternoon sustaining show. If Hollywood were to run out of Indians, the program schedules would be mangled beyond all recognition. Then some courageous soul with a small budget might be able to do a documentary telling what, in fact, we have done–and are still doing–to the Indians in this country. But that would be unpleasant. And we must at all costs shield the sensitive citizens from anything that is unpleasant.”

“One of the basic troubles with radio and television news is that both instruments have grown up as an incompatible combination of show business, advertising and news. Each of the three is a rather bizarre and demanding profession. And when you get all three under one roof, the dust never settles. The top management of the networks with a few notable exceptions, has been trained in advertising, research, sales or show business. But by the nature of the coporate structure, they also make the final and crucial decisions having to do with news and public affairs. Frequently they have neither the time nor the competence to do this.”

“Sometimes there is a clash between the public interest and the corporate interest. A telephone call or a letter from the proper quarter in Washington is treated rather more seriously than a communication from an irate but not politically potent viewer. It is tempting enough to give away a little air time for frequently irresponsible and unwarranted utterances in an effort to temper the wind of criticism.”

And this brings us to the nub of the question. In one sense it rather revolves around the phrase heard frequently along Madison Avenue: The Corporate Image. I am not precisely sure what this phrase means, but I would imagine that it reflects a desire on the part of the corporations who pay the advertising bills to have the public image, or believe that they are not merely bodies with no souls, panting in pursuit of elusive dollars. They would like us to believe that they can distinguish between the public good and the private or corporate gain. So the question is this: Are the big corporations who pay the freight for radio and television programs wise to use that time exclusively for the sale of goods and services? Is it in their own interest and that of the stockholders so to do? The sponsor of an hour’s television program is not buying merely the six minutes devoted to commercial message. He is determining, within broad limits, the sum total of the impact of the entire hour. If he always, invariably, reaches for the largest possible audience, then this process of insulation, of escape from reality, will continue to be massively financed, and its apologist will continue to make winsome speeches about giving the public what it wants, or “letting the public decide.”

“I refuse to believe that the presidents and chairmen of the boards of these big corporations want their corporate image to consist exclusively of a solemn voice in an echo chamber, or a pretty girl opening the door of a refrigerator, or a horse that talks. They want something better, and on occasion some of them have demonstrated it. But most of the men whose legal and moral responsibility it is to spend the stockholders’ money for advertising are removed from the realities of the mass media by five, six, or a dozen contraceptive layers of vice-presidents, public relations counsel and advertising agencies. Their business is to sell goods, and the competition is pretty tough.

But this nation is now in competition with malignant forces of evil who are using every instrument at their command to empty the minds of their subjects and fill those minds with slogans, determination and faith in the future. If we go on as we are, we are protecting the mind of the American public from any real contact with the menacing world that squeezes in upon us. We are engaged in a great experiment to discover whether a free public opinion can devise and direct methods of managing the affairs of the nation. We may fail. But we are handicapping ourselves needlessly.”

“But unless we get up off our fat surpluses and recognize that television in the main is being used to distract, delude, amuse and insulate us, then television and those who finance it, those who look at it and those who work at it, may see a totally different picture too late.”

This instrument can teach, it can illuminate; yes, and it can even inspire. But it can do so only to the extent that humans are determined to use it to those ends. Otherwise it is merely wires and lights in a box. There is a great and perhaps decisive battle to be fought against ignorance, intolerance and indifference. This weapon of television could be useful.

Stonewall Jackson, who knew something about the use of weapons, is reported to have said, “When war comes, you must draw the sword and throw away the scabbard.” The trouble with television is that it is rusting in the scabbard during a battle for survival.”

http://futurewewant.org/2012/an-inspiring-quote-from-edward-r-murrow/

“We must not confuse dissent with disloyalty. We must remember always that accusation is not proof and that conviction depends upon evidence and due process of law. We will not walk in fear, one of another. We will not be driven by fear into an age of unreason, if we dig deep in our history and our doctrine, and remember that we are not descended from fearful men – not from men who feared to write, to speak, to associate, and to defend causes that were, for the moment, unpopular”

Edward R. Murrow

Fairleigh Dickinson University Public Mind poll flawed, Bias uninformed sloppy methodologies?, Obama hiding records not just a theory, Unemployment rate question worded poorly

Fairleigh Dickinson University Public Mind poll flawed, Bias uninformed sloppy methodologies?, Obama hiding records not just a theory, Unemployment rate question worded poorly

“Fairleigh Dickinson University (“University”) occupies a position of prominence, trust and responsibility within the state, the nation and the world. The University’s reputation, welfare, and ability to advance its mission rests upon the commitment of every member of the community to act with the highest level of integrity at all times while performing their official duties. Conduct which falls below this standard is inimical to the University and may result in a loss of confidence in the University and its mission by constituencies, stakeholders and publics.”…Fairleigh Dickinson University code of conduct and ethics

“Why has Obama, since taking the White House, used Justice Department Attorneys, at taxpayer expense,  to avoid presenting a legitimate birth certificate and college records?”…Citizen Wells

“And if all others accepted the lie which the Party imposed
–if all records told the same tale–then the lie passed into
history and became truth. “Who controls the past,” ran the
Party slogan, “controls the future: who controls the present
controls the past.”…George Orwell, “1984″

Fairleigh Dickinson University’s Public Mind recently released poll results that were reported by Politico. Politico’s biased reporting was addressed at Citizen Wells yesterday.

The Public Mind poll result reporting and some of the methodologies will be addressed below.

Fairleigh Dickinson University

CODE OF CONDUCT AND ETHICS

“Fairleigh Dickinson University (“University”) occupies a position of prominence, trust and responsibility within the state, the nation and the world. The University’s reputation, welfare, and ability to advance its mission rests upon the commitment of every member of the community to act with the highest level of integrity at all times while performing their official duties. Conduct which falls below this standard is inimical to the University and may result in a loss of confidence in the University and its mission by constituencies, stakeholders and publics.

This Code of Conduct sets forth standards which Members of Fairleigh Dickinson University, as defined in Article II, are required to observe when representing the University or otherwise performing their official duties.”

“This Code of Conduct is applicable to members of the board of trustees, faculty members, staff members, fellows, researchers, graduate assistants, teaching assistants and student employees (“Member of the University” or “Member”).”

http://view.fdu.edu/files/codeofconductpdfversion.pdf

Let’s see how the University’s code of ethics meshes with the polling and poll reporting.

From the poll January 17, 2013.

“CONSPIRACY THEORIES PROSPER”

“Sixty-three percent of registered voters in the U.S. buy into at least one political conspiracy theory, according to results from a recent Fairleigh Dickinson University PublicMind Poll. The nationwide survey of registered voters asked Americans to evaluate four different political conspiracy theories: 56 percent of Democrats and 75 percent of Republicans say that at
least one is likely true. This includes 36 percent who think that President Obama is hiding information about his background and early life, 25 percent who think that the government knew about 9/11 in advance, and 19 percent who think the 2012 Presidential election was stolen. Generally, the more people know about current events, the less likely they are to believe in conspiracy theories – but not among Republicans, where more knowledge leads to greater belief
in political conspiracies.

The most popular of these conspiracy theories is the belief that President Obama is hiding important information about his background and early life, which would include what’s often referred to “birtherism.” Thirty-six percent of Americans think this is probably true, including 64 percent of Republicans and 14 percent of Democrats.

“This conspiracy theory is much more widely believed mostly because it’s been
discussed so often,” said Dan Cassino, a professor of political science at Fairleigh Dickinson University and an analyst for the poll. “People tend to believe that where there’s smoke, there’s fire – so the more smoke they see, the more likely they are to believe that something is going on.””

“In general, higher levels of actual knowledge about politics tends to reduce belief in conspiracy theories. In the poll, respondents were asked a series of four questions about current events, and respondents who were able to answer more questions correctly were less likely to endorse the conspiracy theories. Fifteen percent of people who got none of the questions right thought that three or four of the conspiracies were likely, compared to three percent of those who answered three or four correctly. Education also tended to reduce belief in the conspiracy theories.

However, the relationship between current events knowledge and belief in conspiracy theories is conditional on partisanship. Among Democrats, each question answered correctly reduces the likelihood of endorsing at least one of the conspiracy theories by seven points. Among independents, each additional question reduces it by two points. For Republicans, though, each additional question answered correctly tends to increase belief in at least one of the
theories by two points.

“There are several possible explanations for this,” said Cassino. “It could be that more conspiracy-minded Republicans seek out more information, or that the information some Republicans seek out just tends to reinforce these myths.””

http://publicmind.fdu.edu/2013/outthere/

“The most popular of these conspiracy theories is the belief that President Obama is hiding important information about his background and early life”

This is no conspiracy theory. It is a well documented fact. Beginning in 2007 when Obama was interviewed while campaigning, Obama refused to supply records while he was in the IL Senate and consistently gave vague and evasive responses.

Beginning in 2008 and continuing to today, Obama has used a long list of private  attorneys such as Robert Bauer and numerous US Justice Dept. attorneys, at taxpayer expense, to avoid presenting legitimate birth, college, student loan and other records. For anyone not paying attention (living under a rock) during that period of time, Donald Trump, several months ago, offered Obama $ 5 million to release his college records. Obama refused to comply.

Conclusion: Obama hiding records?

Fact

Professor Dan Cassino stated:

“People tend to believe that where there’s smoke, there’s
fire – so the more smoke they see, the more likely they are to believe that something is going on.”

That is correct.

“Generally, the more people know about current events, the less likely they are to believe in conspiracy theories – but not among Republicans, where more knowledge leads to greater belief in political conspiracies.”

More knowledge by Republicans, and I would add, more respect for the US Constitution, makes them aware of Obama hiding his records.

“There are several possible explanations for this,” said Cassino. “It could be that more conspiracy-minded Republicans seek out more information, or that the information some Republicans seek out just tends to reinforce these myths.””

Bias apparent.

The questions asked were very poorly presented in the documentation. There are 2 questions that relate to unemployment:

“As far as you know, has unemployment increased, decreased, or stayed the same over the past twelve months?”

“Is unemployment higher, lower, or the same as it was when President Obama first took office in 2009?”

Instead of clarifying what they are referring to such as “stated unemployment rate” or “US Labor Dept. unemployment rate” they just state unemployment. The truly informed will pause, perhaps ask for clarification, and if none is given may answer it is difficult to ascertain. So many have dropped out of the labor force, i.e. the Labor Force Participation Rate has fallen so much that the number unemployed has stayed the same or possibly risen.

This poll and polling analysis is clearly biased and sloppy. Can these people be this uninformed or does political idealogy cloud their methodologies?

Peer review.

I am qualified.