October 27th, 2016

Dear Friends,

It seems to me, to argue national defense is sufficient cause for a secret, is to argue suicide is necessary for cancer prevention. After all, there is not one secret the US or any other government has, that is not known by other governments, so in reality, when government classifies something secret, they are merely keeping it from citizens, not foreign governments, so, to claim a thing needs to be secret for national security is absurd. The only people who are unable to know what our governments are doing are the people themselves. Look at the “secrets” wikileaks has released, none of them put a single American in jeopardy, the only things threatened are the elite’s machinations. Snowden’s release of information shows how our government violates our Constitution and that is why he is under indictment. In a limited republic that guarantees liberty for it’s citizens, everything government does would be available for any citizen to see. The only thing that grows in darkness is corruption and we have more than a sufficient supply of that.

If government only did what it is supposed to, protect people and property from those who would abuse or abscond, is the only legitimate role of government…. In other words, the police and army. Other things that can be argued are right roles of government are, printing money, building roads and infrastructure, settling disputes between citizens, setting standards and defining governmental boarders. These other roles however, have often been done by citizens themselves, usually better and cheaper. When government sticks to it’s legitimate role it need not maintain thousands of bureaucrats administering government. The more illegitimate roles government takes up… the more things it decides need to be secret. It is the pervasive and ever growing secret state that is a sign that government has breached it’s banks and is flooding the country with red tape and taxes.

When government takes on clearly illegitimate roles like “helping” American industry, the need for secrets grows. As our government gets in bed with tyrants the need for secrets grows, the more illegal activities our government engages in, the more they need to keep secrets, the more powerful government grows the more need for secrets, the more controlling it becomes the more it needs its secrets and the more government monitors the people the more it needs to hide what it is doing. All from the people, not other governments, who have spies to insure they know all there is to know about our government’s secrets, but the citizens whom the government is supposed to serve live in darkness. So the people government is keeping secrets from are the people themselves.

Why keep secrets from citizens? Because government knows what it is doing is wrong. Instead of protecting people’s Rights, lives and property, government has become the biggest threat to our lives, Rights and property. The modern government has as it’s core philosophy, everything within it’s boundaries are the government’s property, the land, houses, cars, factories, and even the people themselves. That which we are allowed to keep is out of government’s beneficence. This is made clear whenever taxes are brought up. The argument is based on the premise all income belongs to government. When that is your mindset, you have to keep it secret from the people you consider your slaves, else they might get uppity.

Of course there will always need to be spies. They are an arm of the army and as such help government meet it’s core role of protecting the people. The amount of secrets however exceeds mere spy craft by orders of magnitude. Plus, why keep the findings of spies on our enemies, secret? Shaming enemy nations should be a legitimate role of spies. Sadly, governments are far more concerned about spying on their own citizens than on potential invading armies. The need for secrets is a sure sign government is grown beyond it’s legitimate role. Everything government does should be freely available to any citizen that asks for it. The Freedom of Information act is a first step but falls short. Every legislators office should have a camera and microphone installed that stream to the internet, the President’s office should be monitored the same way, judges chambers should be recorded and the recording released to the public the day that judge casts his or her decision. Every trade deal should be open to anyone to see, every regulation should be read by the people, every document created by government using tax dollars should be available to the people who paid those taxes, not one aspect of government should be hidden from the people who government is supposed to serve. The more secrets a government has, the more it needs them, because that government is doing something it is not supposed to.


John Pepin

When Life is Fantasy, Comeuppance is a Reality.

October 24th, 2016

Dear Friends,

It seems to me, we have, and are, building a world where no one need come in contact with reality at all. Fantasy is an imagined idea. Virtually all of the highest paid professions today are based on fantasy. Lawyers, bureaucrats, university professors, even accountants and business are based on fantasy. The reason I say they are based in fantasy is because they are all founded by ideas, and, (although I detest the term), in A Priori fashion. Therefore, those professions are fantasy, the imagined ideas of those who invented them. Moreover, we are ever further removed from that which keeps us alive. By removed from reality I mean, slaughtering an animal if you want mutton, digging in the ground if you want peas, weaving cloth for your clothes from the thread you wove from flax, starting a fire to stay warm, building a shelter and all the other things that must happen for a human being to live… the reality of life. The farther away from reality one lives the more one lives and works in a fantasy. So, we work in fantasy, live in fantasy, and those who most live in fantasy, are the ones who rule the world.

The law could be anything and it would be called just, indeed it has been radically different in other places and times, and is always called the height of justice by those who practice it, there and then. Meaning, law is only based on ideas, those ideas could be anything, they are therefore fantasies of what the founders believed justice. As in law the ways of structuring a government are as numerous as stars in the sky, all of them ideas of what right government were by their founders, but very few have ever produced the good fruit… of liberty, prosperity and equanimity. Since every form of government is merely an idea, or was one at sometime, they are all fantasies, the imagined ideas of the founders. While they are all fantasies… only a select few are good. The same argument goes for journalism, academics, culture, etc… All these professionals work in a fantasy.

Living in a fantasy is as easy as going to the supermarket to shop, riding down to the Cape on a day trip, turning on a light, reading a book, sleeping in a bed, flying to Paris in spring, turning on the heat on a cold winter night, flushing the toilet, turning on the bathroom fan, watching television, playing golf, riding around the course in a cart, whiling away time on a computer, etc… All of which remove us from the reality of what it takes to physically meet those needs ourselves. The less we understand about what it takes to keep us alive, reality, and the more we mindlessly rely on modernity to meet them, the more we live in fantasy. At the supermarket you can get fruit from across the planet, out of season or grown organically so as to be more in touch with the food. Flushing a toilet is far preferable to the alternative, as is the use of toilet paper, a bidet removes the user even further from the reality of what he or she is doing, enhancing the fantasy.

Living in a fantasy, distant from reality, allows foolish ideas to get merit where, when looked at in the cold light of reality are absurd, a reality most of our leaders are as far from reality as the stars are from us. It isn’t their fault, if everything you live in, work at and spend free time in becomes who you are. Ignorance of reality allows someone to believe things possible that are not, it fosters a holier than thou attitude and living in a fantasy allows one to live in a way impossible, if not for the fantasy world they live in. Sadly, those who are the least in touch with reality are the ones who rule. Bureaucrats, who’s only touch with reality, is when their daughter scrapes her knee and the nanny cleans it up, and reading about it in her report, they are the ones who decide exactly how you and I should do… everything. Lawyers, judges, professors, teachers, journalists, they all work and live in total fantasy. Their lives have no more relation to reality than pulp fiction. Add to that, every day, fewer and fewer people are in touch with reality, or grounded if you will.

Before mathematicians had quantified the physical world people believed in magic. Since they had no idea of what makes a thing fall, that electricity exists, etc… they believed in mystical forces that could be exploited to make the world as they wished it to be. They mixed potions, chanted to various deities and carried all manner of talismans upon them, but to no avail, why, because they were living in a fantasy. Their disconnection from reality created for them, a fantasy, it allowed them to believe the absurd, belief in magic. Their fantasy was based on their ignorance leading to superstition, magic, today the fantasy we live in is based on our ignorance, leading to superstition, progressivism. Only farmers, hunters, people who build things and engineer things, people who have more than a passing knowledge of what it takes to keep a human being alive, are actually grounded in reality. Like a physicist understands why a talisman will not work, a grounded person knows why a policy will not as well. The more our world moves away from reality, I fear the ever greater outcome, because we have become so mesmerized by the fantasy world we live in… is that we as a people will step off a cliff into cultural, societal and economic oblivion.


John Pepin

The Feces of Vote Fraud

October 20th, 2016

Dear Friends,

It seems to me, without the consent of the governed, government is not legitimate. In fact, when the governed do not, or cannot give their consent, that government operates as a tyranny. Since tyranny, whether by dictator, oligarchy or democracy is evil, all forms of tyranny are to be condemned. Condemning an evil is itself a good, while approving of an evil, is itself evil. Therefore, those who undermine the consent of the people, approving of an evil, are themselves evil. Clearly, those who are evil must never be allowed to have power over the people, because to allow such scheming and evil men and women to have power, will certainly visit evil on the people. Since the consent of the people is given through the electoral process, any form of vote fraud or manipulation spoils good government, pollutes the economy and is repulsive to societal cohesion. Vote fraud then is sewage mixed into the political system.

The US Constitution forms a republic. In Nicomachean ethics, Aristotle characterized government as right or wrong forms. The right forms are monarchy, aristocracy and polity, while the wrong forms are tyranny, oligarchy and democracy. (Democracy being the tyranny of the majority over the minority; polity being the universal consent of the people). His ideal form is republican government a blending of the right forms. The wrong forms have in common is that they all seek the best interests of a faction over the good of the whole and the right forms have in common they seek the best interests of the whole rather then a faction. The advantage of a republic is that it suppresses the ability of a faction to serve it’s own interests at cost to the rest. In a republic, there is a monarch, aristocracy and polity. If any of those right forms are undermined, then the utility of a republic is removed and a faction can then serve it’s own narrow self interest at cost to society as a whole.

The historically recognized means in which the people give their consent is by the popular vote. The popular vote then is the polity part of the republican government. Vote fraud, in any of it’s malignant forms, destroys the ability of the people to give their consent. Even in cases where voter fraud doesn’t change the outcome of an election, the consent of the people is not given, because it is impossible to know for certain if the outcome wasn’t perverted by the fraud. Moreover, as a single drop of effluent spoils a whole barrel of water, so does a single drop of fraud spoil the barrel of votes. Vote fraud is even more pernicious than merely spoiling the vote… it gives tyranny the glint of legitimacy.

Like the old adage about the Catholic church, that alter boys are molested by priests turned out to be true, and the catholic church is paying a heavy price for their intransigence, the democratic party is known to engage in widespread vote fraud. It is a thing everyone knows about, laughs about and talks about, but nothing is done to prevent it. Every attempt to stop vote fraud is stymied by the democrat party. Even when evidence becomes widely known nothing is done. As in the case of a New York election official admitting on hidden camera that voters are bused from precinct to precinct, he is fired, but there is no inquiry into the crime. Crime unpunished is crime abetted. In the case of the Catholic church, the crime destroyed the lives of a limited number of boys, but in the case of the democrat party, the crime destroys the liberty, prosperity and violates the trust of everyone.

In this election season our noses are rubbed in the feces of obvious, open and unrepentant vote fraud. The news is full of clear evidence, videos of election officials admitting to it, millions of dead people who have voted for years after their death, a mail in process that is rife with corruption, voting machines unsecured from tampering and political violence to malign a candidate, yet the elite, who benefit from the fraud, refuse to do anything about it. Judges overturn common sense measures to clean up the rolls, the media hides the evidence, politicians vilify anyone who points it out and journalists tell us not to believe our lying eyes, and instead believe the faction that benefits from the vote fraud. All of which makes the consent of the governed impossible to be given. Sadly, everyone knows which faction and party is guilty, so much so it has become a standing joke!

Unless we consent… to living under a tyranny and condemning our children to the slavery of tyranny, we must stand up and demand an end to vote fraud. Vote fraud gives tyranny the appearance of legitimacy, thwarts the consent of the governed, perverts the republic, and empowers a faction. All of which are forms of evil and evil only needs good men to look away to grow. No one would drink from a barrel they knew was contaminated with even a single drop of effluent, but most seem happy to drink deeply from an election system steeped in corruption, the resulting political cholera will never get better… until the system is purged of contamination.


John Pepin

Liars, Propaganda, and Free Speech

October 17th, 2016


Dear Friends,

It seems to me, those who peddle lies, cannot abide free speech. The first thing a liar will tell you is how truthful he or she is. Exclaiming from the rooftops how honest and how trustworthy they are. The consummate liar will never admit she lied even when caught in it. Since there is such coercive power in government… liars naturally gravitate to it. Government’s ability to tell a lie and claim it is truth, by fiat and legislation, is very attractive to a liar and is both a means for government, and the liars within it, to amass more power and defend it’s ill gotten rule. One thing that allows a liar to get away with his lies is a willing and complicit media. When there is the convergence of a complicit media and bold faced liars in government, all within the same faction, free speech becomes detestable to them, and is under great threat of extermination.

The single faction that controls all three branches of government, the media, businesses and set our civilizational norms, is the new class. The new class is our modern version of aristocracy. Instead of birthright, yet, the modern aristocracy, new class, is based on education. University professors are the intellectuals of the new class, and lawyers, journalists, doctors, business executives and most politicians are the intelligentsia. The professors, intellectuals, set the agenda and the rest, intelligentsia, bring it about. The new class has wrested the means of production from the bourgeoisie, overwhelmed the culture with their version of reality, undermined our limited government by conniving and warped our culture with perversion. They are mostly progressives who cling to the Frankfurt schools ideology, and apply Herbert Marcuse’s theories how to implement Marxism without the revolution, ie, by hook and by crook. The new class, as a faction, has as it’s main philosophy critical theory, where truth is to be subverted, families are to be destroyed, religion is to be ridiculed and hedonism is to be embraced, as a means to destroy everything western free enterprise has created… all based on lies.

There was a show on NBR, (National Public Radio), called On the Media. On that show the new class overlords of the media, discuss their power to effect culture, society and policy. I used to listen to it. When I listened, the theme of every show invariably was, the media should claim to be unbiased, that even if they are biased they must hide it, to “protect journalism.” In other words, lying to protect their reputations and lies. Have you noticed how the media always claims it is unbiased? How they tell the unvarnished truth and exclaim from the rooftops how honest and righteous they are? All of which, claiming to be unbiased, shouting down their detractors with ad homonym attacks, loudly claiming to be truthful and never admitting when they are caught in a lie, are how liars operate.

Free speech is corrosive to lies. Wherever there is freedom of speech, liars have to compete with truth tellers, for the eyes, ears and minds of the people they are trying to round up and capture. Freedom of speech allows people to dispel the lies. Remember when Dan Rather conjured up a story out of whole cloth describing how George Bush was AWOL constantly during his time in the National Guard? It was a blogger who pointed out the document, Rather and CBS was peddling couldn’t have been typed in a 1967 typewriter, since the font hadn’t been invented until the 1980s. Dan Rather to this day claims he wasn’t lying! The New York Times has been caught so many times creating outright fiction and publishing it as true that it should be considered in the same vein as Arthur C Clark, Henry James and Ernest Hemingway… interesting reading but pure fiction.

Propaganda is government lying to forward a political agenda. Today propaganda has been made legal by the US Congress and signed into law by Obama. In other words, the US government has openly avowed they will lie to us to get us to act against our best interests. The idealized new class President, Barak Obama, shows open loathing for free speech, instead preferring propaganda. Remember Fast and Furious? Obama used naked propaganda to undermine the second amendment… by claiming gun dealers along the US Mexico boarder were supplying weapons to Mexican drug cartels. When he was caught in supplying those weapons himself, the propaganda putsch to outlaw guns along the US Mexico boarder was hushed up, and the lie he peddled was insistently forgotten… proving Machiavelli right. Hillary Clinton has learned well from her husband Bill that lies, no matter how absurd, will be believed if told with a straight face and a tear running down one cheek. Propaganda is a tool of liars and cannot tolerate free speech.

Those who peddle lies shrivel and wither in the light of truth… like a worm on hot pavement. To them, lies are a means to fool the masses into acting against our best interests, and forwarding their diabolical agenda. Happily using the tool of Goebbels, propaganda, to the same ends. One can reliably tell a liar by how loudly and adamantly they claim to be honest. Today the new class, the heirs of national socialism, Marxist ideology, atheistic hedonism and Nietzsche, have as their only real enemy the truth, and they will use deceit at every turn to undermine that enemy. They will do anything to progress the human race to their vision of utopia… a place without the love and nurturing of families, the stark hopelessness of atheism, the emptiness of hedonism and the self absorption of Nietzsche’s super man. All based on lies.


John Pepin

Corruption is the Greatest Threat the Human Race Faces

October 13th, 2016


Dear Friends,

It seems to me, the greatest threat the human race faces, is corruption in government. That is the wellspring from which all other threats flow. Economic stagnation worry you? That problem is directly caused by government corruption. Terrorism in our streets scare you? That is another issue created by government corruption. Crime, drugs, violence in schools? They all have as their root government corruption. Do you fear your loved one’s might get sick and not have health coverage to provide life saving treatment? Government corruption stands directly in the way of that life saving treatment. In fact, you cannot think of a problem we face as people, that is not because of government corruption. Since government corruption is so destructive of our well being, health and finances, you would think people would vote against those who have shown themselves to be corrupt, sadly, that is not the case.

The case for economic substandard performance as the result of government corruption is pretty obvious. Markets, like environments, function best when competition is free and fair. The less free and fair a market or environment is, the poorer the performance of the inhabitants. In this, government corruption not only warps markets to serve those with political favor, but that very warping creates the conditions where profits come from political machinations, rather than creating products or services people need and want. The more profit moves away from providing value, and toward political favor, the more the corruption feedback loop is strengthened.

How is terrorism fueled by government corruption you might ask? Machiavelli said a corrupt people can never be free, in that where there is violence, average people will give up liberty for security. Of course they are really trading random violence for organized violence. There is no lowering of violence only the marshalling of it for political ends. Violence is a political tool. That is not my theory but Von Clausewitz. He posited that war is the use of violence to achieve a political aim. How is government to create the conditions where people will give up their freedom? By creating violence in society, make everyone feel unsafe in their own homes, create the conditions where going to the mall is fraught with danger, and foment such mind numbing fear that we will happily trade our liberty for slavery. Terrorism is the perfect means. That is why Merkel is importing so many Muslim’s into Europe. She isn’t so stupid she doesn’t know what she is doing. The argument we need more Muslims to prevent terrorist attacks is the same as claiming you need to put a rattlesnake in your bed to prevent snakebite. Terrorism is a means to a political end, both the terrorists know it as do the elite, they just have different political aims.

The scourge of drugs is due entirely to corruption in government. In 1900 all drugs were perfectly legal. You could buy marijuana at the drugstore, opium was available, cocaine was put in soft drinks and laudanum was sold over the counter. Even with the availability of drugs there wasn’t a huge drug problem. That is because people had a stake in society. As Veblen said, people don’t bristle at income inequality, because everyone in American knows he or she could become rich. In other words, people had a stake in society. Corruption in government has taken away that stake in society. Our young people graduate school without hope they ever can get ahead. The ability of the common man to become rich by the sweat of his brow has been eliminated by corrupt government, as is our stake in society. When someone looses hope, the temporary relief from a drug induced haze becomes possible, it seems like the only way to cope.

This year we are looking at electing someone who is obviously corrupt, has used her connections to enrich herself, destroying anyone who stands in her way, lying under oath on multiple occasions and has a public and private position on every question. Her candidacy is a sign of the times. The elite would like to forgo the election process and have set themselves to that task with an epidemic of vote fraud. The number of dead people who will cast ballots cannot be tallied because the elite have so perverted the election process. Illegally cast ballots from non citizens may swing the election, especially in close states and so with so much corruption undermining our democracy, and thereby the very foundation upon government stands, the consent of the people.

People go where our leaders lead us. When the leaders are corrupt, the people will follow their example and become corrupt, when our leaders are virtuous, the people will follow and become virtuous. We can live as virtuously as we want, but in the end, the actions of the elite will always and everywhere be a far more powerful example to our fellows. As I have shown, corruption is the greatest threat we face on planet Earth. Our economic well being, our safety, our children’s future, even our very lives, all are negatively impacted by the epidemic of government corruption sweeping across the globe. This will not be fixed by electing a strongman who will “get them.” The answer is to police the elite. Create an agency within government that has the authority, power and incentive to bring the elite to task. To think the elite will give up their power, privilege and prestige of their own free will, is to believe the Mexican drug cartels will decide they have made enough profit, and turn to charity instead. The vote has been perverted, our economy has been made a slave, there is ever increasing violence on our streets and our children are subjected to a drug culture that is pervasive. It’s past time to put your foot down and demand change…. demand a NUMA!


John Pepin

Humanity’s Tendency to Hate the Truth

October 10th, 2016


Dear Friends,

It seems to me, people love the man who tells them two plus two equals three, women will throw themselves at him, and men will die for him, but the man who tells people two plus two equals four… that man will be criticized and hated, spat upon and vilified, especially after he is proven correct. History is full of examples of both. This quality of human nature is as pervasive as it is destructive, since every aspect of the human condition depends on correct information, incorrect information leading to mistakes, mistakes that cost pain, economic loss, loss of freedom and lost standing, this penchant to prefer lies should have been weeded out of our psyche millennia ago, yet it persists… to our great detriment. If we really want to advance it is incumbent on us to actively counter this tendency in ourselves.

In The Republic, Glaucon asked Socrates, is it better to be so just, one is perceived unjust, or perceived just when one is unjust? Glaucon went on, the man who is perceived as unjust, even if just, will be hated, while the man who is perceived as just, even if he is unjust, will be lauded. What Glaucon meant was that the perception of the masses is more important to the individual than reality. In this example, the just man, the truth teller, is hated, scorned and put upon, while the unjust man, the liar, is glorified, raised up and helped in all his unjust endeavors. This historical anecdote shows the tendency of people to love a liar and hate a truth teller is at least as old as Socrates.

After a long diet of such cultural, social and economic poison, you would think people would long for someone, anyone, who will tell them even a hint of the truth. Sadly that isn’t the case. Edmund Burke correctly predicted the outcome of the French revolution. He also provided the reasons why it would end in bloodshed. He was vilified, hated and condemned for telling the truth, and when he was proven right, he was hated even more for being right. Glenn Beck is another example of someone who told the truth and is hated for it. Now that Beck’s predictions have come true, proving his hypothesis, Beck is loathed almost universally. The more one tells an ugly truth the more that person is hated.

This is because people want a glittering lie to be true. In this we will ignore facts and instead turn to emotion. People so wanted the Arab spring to usher in a new era of peace, prosperity and freedom to the Middle East, when Beck told the truth, those people who had invested so much emotional capital, turned on him with vitriol not even given a monster. When Beck turned out to be right, the Arab Spring so loved by people the world over turned out to usher in a new era of bloodshed, genocide and tyranny, all that emotional capital was destroyed. Instead of blaming themselves for believing the lie, people turned their hatred to Beck, for being right.

This is because of cognitive dissonance. That is the psychological theory that we think and feel in ways consistent with our past thoughts and actions. If I ridicule someone who has a different belief than I, then that person is proven to be right, my past actions will force me, subconsciously, to dislike that person. My past belief forces me to feel this way, because otherwise I would have been wrong in my ridicule, and to ridicule someone undeservedly would make me a bad person, since in my mind I can never be a bad person, therefore that other person had to have deserved it… so I hate him. Our cognition of ourselves cannot be dissonant from our self perception.

Since we so want to believe in pixy dust, when someone tells us pixy dust is nothing but dust, we become angry. When they are proven right, we become enraged, because we have been proven to be stupid or bad. Since in my own mind I cannot be stupid or bad, that other person must be stupid or bad, justifying my original belief. Sadly, this tendency has not served us well in the past and certainly will not in the future. Since it is impossible to force change on others, we can only change ourselves, we must self examine, look at how we tend to believe glittering lies while condemning ugly truths, so that we and our children, will not have to suffer so that we can feel better about ourselves. If enough of us do, liars will be vilified and truth tellers will be glorified, reversing a negative trend that has visited so much evil on the human race.


John Pepin

Banks and Government Stealing Our Savings

October 6th, 2016


Dear Friends,

It seems to me, government and Too Big to Fail banks, (TBTF) are colluding to steal from retirees. Now that is quite an allegation isn’t it! Imagine how bad it would be if it is true? That would mean government officials are so corrupt they are so corrupt they steal from hard working people, who have gone without so they could have some savings for their retirement, not only that but that government officials are so bereft of any decency at all they would rob those who live on a fixed income, indeed stealing that very income itself! If a private citizen were even accused of such a thing, the cost in legal expenses alone would be astronomical, so much so it would probably devastate their savings as well as future earnings. What about the executives at the TBTF banks? Imagine how evil they are if this is true? They make millions of dollars a year as the agents of the stockholders, the principles, specifically to protect the agent’s interests. Such malfeasance by a plumber would land the criminal in jail for decades. So, let’s look at the evidence, open and available for all to see, and judge for ourselves if this allegation is true.

First a little history. During the 2007-2008 financial meltdown, the banks that were considered too big to fail were given billions of taxpayer dollars, to bail them out of the catastrophic decisions they made, leading up to the financial calamity. Those same banks had lobbied congress to eliminate the Glass Steagall act, that forbade banks from using customer deposits to bet on risky ventures, the very same risky ventures that caused the crisis, several years earlier. When the risky bets went bust, taxpayers, in other words, hard working people living paycheck to paycheck, had to pay higher taxes to save people making millions of dollars a year as the executives of those banks. Look at how those executives have paid us back…

Of course, government had a hand in the crisis as well, the democrat controlled congress forced banks to make loans to people who had no means of paying the loans back, because not doing so would be racist. The big banks had to protect themselves so they grouped good loans with bad ones, chopped them up into pieces parts and sold them as derivatives. (A part of a financial product sold as an investment). They were called mortgage backed securities, (MBOs), or put another way… collateralized loan obligations. Since a bunch of loans were bailed together, the bankers and government overseers thought the good loans would keep the securities from failing, and the banks could make a tidy profit as well. When the housing market collapsed, no one could tell which MBOs were sound and which were worthless, and so the value of those securities could not be measured, since so many banks had them listed as assets, and those assets could not be quantified, the banks went bankrupt.

Since the “great recession” the security and exchange commission has found numerous acts of wrongdoing by the TBTF banks. Each time, no one was criminally charged but the bank was charged billions of dollars in fines. Those banks would then engage in further fraudulent activities, get caught, and fined again. Deutsche bank is facing a $ fine, thats fourteen billion dollars, as I write this, Wells Fargo is under investigation for opening fraudulent accounts and charging their customers hundreds of millions of dollars in fraudulent overdraft fees and other fees, once again, no one is facing jail, only a huge fine by regulators, the same regulators who allowed MBOs and forced the banks to give loans to people because of race, to prevent racism. Every year the TBTF banks pay the government billions of dollars in fines for fraud, price manipulation, etc… Moreover, The economy requires zero interest rates else it would collapse instantly, as evidenced by the Federal Reserve’s reticence to raise interest rates even a point, which is another form of theft from savers, who don’t get interest for their hard earned savings, while banks loan that money back to us at 3-10 percent.

The executives at those banks however never face criminal charges for even the most heinous crimes, MF Global stealing money directly from customers segregated accounts, for example. Since it is obvious that if a criminal is not charged and allowed to skate, he or she will do it again, that is simply human nature. If you are allowed to rob a bank with impunity no matter if you are caught, what is the incentive not to? It is obvious that if government wants the criminal actions to stop they would charge, try and jail the wrongdoers, since the government always, and I mean always, give the criminals a pass, it is only common sense the government wants the criminal actions to go on. If your child draws on the wall with crayons, and you don’t punish her telling her she is an artist, she will continue to draw on the wall, because you have encouraged her.

So who is actually punished when the TBTF banks get fined billions of dollars? The executives still get their fat bonuses, in fact the executive in charge of the division the was caught fraudulently opening accounts in customers names, then charging the customers hundreds of millions of dollars in fraudulent fees, just retired with a fat bonus of $125,000,000, yes, that is one hundred twenty five million dollars, so no sane person could argue the executives, the people doing the crimes, are punished, in fact they are rewarded handsomely for their criminal acts. To understand who gets punished, one has to look at the result of the fine. The investigation lowers the stock value of the company, as when Goldman Sacks was fined recently, and they lower the amount of money the bank can pay shareholders as dividends. The people who hold the stock are the ones punished, by a diminishment of their investment, and lowering of the return on that investment. Who holds stocks in TBTF banks? Retirees. Probably you too if you have a 401K or do business with one of those banks.

What we have then, is a government that encourages criminal acts, overtly and subvertly, then profits from those criminal acts, which is the definition of collusion. We also have the executives at the TBTF banks, who get rewarded by those criminal acts, in increased bonuses for the “enhanced profits,” and when the charges are filed their bonuses don’t go down. Those crimes steal, not only from shareholders, but from customers as well. Since not one red cent of the fines is ever returned to the victims of the crimes, the customers, nor the indirect victims of the crimes, the shareholders, it follows that the government is not fining the wrongdoers to protect or recompense the victims, but for profit. Therefore… it is a great con game being played on the American public, to defraud us of our hard earned money several ways, by directly stealing by fraud from our savings accounts, eliminating interest on our savings, lowering the value of our investments and taking directly from our dividends, transferring that money to uber rich new class executives and government. Ever wonder why the new class always wants government to have more power? Crony crime pays, very very well…


John Pepin

Humanity’s Hubris

October 3rd, 2016


Dear Friends,

It seems to me, we behold our science and technology, then stand in awe of our creations. In our awe we have become vain and egoistic, turning away from God and worshiping ourselves as gods in our own right. In that we have become as Adam and Eve. We have turned our backs on God thinking we are his equal. In our hubris we believe everything there is to know… is possible to be known, we foolishly think we can control the universe as our plaything, and we have polluted our very existence with such short sighted, egoistic and inane beliefs. In our idiocy we have destroyed the family, corrupted our governments and taxed our economies to death. The more we flail about in our self absorbed aggrandizement, the more our lot, the lot of mankind itself is diminished, reduced to the point of our self annihilation, fueled by our empty wisdom and inflated egos.

We look at the heavens and in our hubris we believe we can know all there is to know. The advancements of the hard sciences, physics, mathematics and chemistry have made us proud, and that pride tricks us into thinking we are gods. Unlike the hard sciences however, the soft sciences are often nothing but assumptions based on wishful thinking. We have egg heads who make huge gobs of money, pretending to understand complex systems that don’t lend themselves to total understanding. Systems like economics, psychology and governance are not quantifiable, as is the weight of a proton, they are not unchanging like the speed of light and they are inherently mercurial, due to millions of factors that cannot ever truly be known. In our self absorbent hubris we elevate such hucksters to the status of scientist, when in fact they are snake oil salesmen, not just taking our money and health but our very humanity.

Our egos have made us the slaves of our selfishness. When someone stands above the rest of humanity, as in the case of a king, billionaire or legislator, that person looks down on the rest of humanity. Like the child who burns ants with a magnifying glass feels no remorse, the elite believe themselves to be so high and mighty they can use the rest of humanity as mere lab rats, to be run through mazes, used for invasive tests and tossed away like a used diaper… after all, are they not a king, rich or wield temporal power? The rest of us look “up” at the elite and bow our heads to them, after all, he is a king, she is rich, they do wield such sway. It is just that inhuman regard for our fellow man, and indeed ourselves, that allows the elite to feed their egos at cost to humanity itself.

Progressivism, and it’s ultimate goal socialism, is the natural outgrowth of this. Progressives believe they can assemble the complex systems of humanity like a watch maker makes a watch. If only they can get the mechanism right, everyone would be happy in their diminished station, a cog in a mechanism. The world would run like a Rolex keeping time to the tune the elite play. The egoistic belief that they are smart enough to gauge the mass of public opinion as the mass of a neutron, they are able to divine the trajectory of future history as easy as measuring the speed of light, and the hubris to force their ideas on the rest of humanity, is the reason arbitrary rule is so attractive to the elite. In their arrogance, progressives honestly believe they are not God’s equal, but his better. They think they are able to make a world better than the one created by God, a world without poverty, violence and racism, then stand in awe of their fantasies. All that is required is that the rest of us give up our free will and bow to our overlords with the respect and reverence rightfully given to God.

The answer is to recognize we are not gods, we are flawed human beings, each of us a spark in our own right, but only a spark, a tiny portion of truth. To force one’s free will on the rest of humanity, while denying theirs, is to prove unworthy of power and respect. Such thinking has always and always will lead to catastrophe. Our leaders deserve no adulation, to do so is to adulate self-centeredness and arrogance. Science is a powerful tool to understand God’s creation, but a poor substitute for the wisdom to know that we cannot know everything, that there is more to our world than we can see, smell, taste, hear and touch, even with the vastly improved senses that our scientific instruments give us. We are not gods, no matter how powerful our machines make us or how accurately our science measures God’s universe… we are flawed human beings, to know that and yet to love humanity, despite all our flaws… is the first step to real enlightenment.


John Pepin

The Voting Dead…

September 29th, 2016


Dear Friends,

It seems to me, the one thing that gives any governmental unit true authority… is the consent of the people, absent that consent, government has no real authority and the power it wields is mere usurpation. The way government gets the consent of the people is by the electoral process. If that electoral process is undermined, whether the people know it or not, consent is not given. Therefore, any government, or faction that seeks to undermine the democratic process, is unjustly assuming power. Moreover, anyone who seeks to govern without the consent of the governed, especially where that consent is artificially created, is engaging in the most heinous kind of crime. Crime that is far worse than stealing, abuse and even murder, because the very lives, liberty and property of everyone is at risk. In other words… The single crime from which tyranny flows in the modern world, is vote fraud.

Vote fraud usually comes from hubris and presumption. Those who engage in vote fraud have the hubris to fool themselves into believing their cause is the most just and presumption in they presume to know what is best for everyone else. They see their own arguments close at hand while they see the arguments of others at a distance, crediting themselves, as we all do, with the most enlightened wisdom, they willingly pervert the electoral process to benefit their preferred faction… themselves. Hubris and presumption are the natural result of misplaced pride.

Some people believe themselves to be smarter, wiser and more caring than everyone else, this is especially true of people with college degrees. They consider themselves smarter than everyone else because they went to college. If they find they are incapable of holding a job, it cannot be because of any deficiency in themselves, the system must be wrong, after all, they are smarter than the rest of us who do have jobs. So they gravitate to socialism, with themselves as the rightful leaders, in this violence is acceptable but if that isn’t viable, vote fraud becomes thinkable. Since they see themselves as more deserving and caring than everyone else, they appoint themselves as the master who forces all those other uncaring louts to provide for the less fortunate. If they personally benefit, what is the harm, aren’t they the most deserving anyway?

People have an amazing ability to justify their actions in their own minds. Psychologists call this cognitive dissonance. If a person treats you badly, even if by accident, their opinion of you goes down… they like you less. That is because since they treated you badly, in their mind’s eye, either they are bad for treating a good person badly, else you are bad and deserve it. Since no one believes themselves bad the fall back is always that you are bad. This concept can be applied to vote fraud, in that someone who believes their cause just and themselves wise, engages in vote fraud, they must believe others who seek free and fair elections are bad people, otherwise the fraudster is bad, plus those others don’t see what they see or care like they care. Even the voters themselves are seen as less than human to people who manipulate the vote through fraud. Otherwise, those who pervert the electoral process would be bad, and cognitive dissonance forbids that.

This is why efforts to stem vote fraud are met with such vehemence, vitriol and violence. Anything that limits their ability to pervert democracy to their own ends cannot be allowed to stand. Anyone who wants free and fair elections must be personally destroyed else society might not go the way the self appointed masters think it should. Moreover, people who seek the honest consent of the governed must be ignorant, since fraudsters are so much smarter, wiser and more caring than the hoi polloi. You can reliably tell who is in favor of vote fraud by how they react to efforts to stem it. Their silence at obvious vote fraud screams they consider the people fools to be manipulated and trod underfoot. When a district votes 100% for one candidate, and turnout is 120% of the registered voters, or dead people have come back to life simply to cast a ballot, clearly either the laws of physics has been upended, or vote fraud on a large scale has taken place. Those who find identification to vote obnoxious are those who seek to pervert democracy to their own ends. Of all the crimes, vote fraud has the potential to result in human suffering far greater than even murder, and should be treated as such.


John Pepin

Our Unjust World

September 26th, 2016


Dear Friends,

It seems to me, a simple working definition of justice, is to treat everyone equally, but a more nuanced definition is, to equally treat people as they deserve to be treated. Just as you would not trust a thief to watch your home, or a child molester to watch your child, most anyone would trust a saint to watch either. It is not that they are treated differently, but they are treated as they deserve, should the saint become a thief or a child molester, our treatment of them would change to reflect what they deserve. Justice demands all people be treated as they merit, equally and without discrimination. In the end, the person who is a villain should be treated as a villain, and the saint should be treated as a saint. Sadly, in this world those who are powerful are always held to the lowest standard of conduct, no matter what their actions merit, while those of low station are always held to the highest standard of conduct, regardless of their virtuous actions, due to their ability to damage or help us. This is a violation of justice. The way justice determines merit, is by our actions, not our station, race or religion.

We live in a time where justice is unknown. The news is full of examples where villains are praised and heroes are attacked… injustice is called justice. When a thug with a long history of violence threatens a police officer with a gun, and is shot by that police officer, popular culture credits the thug with every virtue known to man, while the police officer is vilified, leading to other thugs rioting, destroying property, stealing and worst of all, attacking innocent people simply because of their race. Instead of justice, where those thugs would be rounded up, tried and if found guilty, serve long jail sentences, they are given a pass, ostensibly because of their race, but in reality because the violence forwards the agenda of the political faction in power.

Who can claim it just, that a politician is caught red handed destroying evidence that implicates her in allowing top secret material to fall into the hands of our enemies, walks free, even as lowly navy personnel are charged and jailed for far far less? Moreover, it would appear that US secrets are known by everyone, including our mortal enemies… but not the people. If people are treated as they merit, by their actions, not by their political affiliation or power, we would see many politicians going to jail and few junior officers languishing in Leavenworth. Justice does not brooch unequal treatment and is not based on political standing, it is based on merit, for good or bad.

How can anyone look at you with a straight face and say the non punishment meted out to the CEO of Wells Fargo is just? We all know that the culture of any group, organization or company comes from the top. People go where leaders lead. If the culture of Wells Fargo was such that lowly employees were opening millions of fraudulent accounts, to pad the profits of the company, that culture came from the top. Add to that, over five thousand employees were fired for it, yet not one has been prosecuted despite the serious nature of the crime, and a blind man can see the injustice. Those who are punished are the shareholders of Wells Fargo, who had no hand in the crime but are paying the price, in a diminishment of their stock values, stocks they paid for with hard earned money and rely on for their retirement. The other people punished are the customers who were harmed, while the government gets a windfall, and the employees who have done no wrong but who’s careers are jeopardized by the culture of Wells Fargo.

People have an innate justice meter, we know when an injustice is done, and we react accordingly. If our ability to act is hemmed in by government power, if in fact, that injustice is promoted by government…then we loose faith in the system, our stake in society is eroded and we will act unjustly ourselves, anytime we believe we can get away with it. Naked injustice then is the means for a society to fall into chaos, violence and poverty. The facts are clear and they stare us in the face. Everywhere we look there is violence, on our streets, in our schools and at our places of business. Poverty is on the rise like never before since the industrial revolution, while the elite profit from their crimes. The world our forefathers have built and we have been blessed with, is crumbling around our heads and ears, all because, as we know in our hearts… people are not treated as they deserve.


John Pepin