Occupy handbook 2a

The 99%’ers “Occupy Wall Street”

Handbook • Part 2

About CREDIT UNIONS & TAXES

Never Be SilencedJeff Prager

Cover © 2011 Giles Clarke • Taken On Wall Street 0n September 29th, 2011

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The Occupy Wall Street Handbook • Part 2

We are the 99%This Book Is About Credit Unions And Taxes

presented by

Anarchy Books and

Renegade Publishing

With

The “WTF?™

” Company, A No Copyright Division®

of Expose The Criminals Productions©

It’s All Class Warfare ...

And YOU aren’t a member of the Class!

... it was 2011 and even ten years after 911 the screwing was escalating rapidly. We pick up the story on October 3rd, two weeks after the occupation ...

We’ve been warned. Kennedy, Eisenhower. Countless others ...

Cover and most images © Giles Clarke 2011

All Rights Reserved

Please share this eMagazine if you agree with it.

Heck, share it even if you just like the pictures. In fact, share it even if you hate the pictures and the text.

(This is not an endorsement for canned food. The publisher doesn’t eat canned food and doesn’t recommend canned food, but he likes the Popeye cartoon.)

Published to the internet without express permission of anyone.™ A Runaway Slaves, LLC.®

The propaganda and indoctrination, as Jethro Tull said, is “Thick As A Brick” ©®™®©, yada, yada, yada...

Remember Nugan Hand! And FUCK Wall Street!

(NONE of this publication is a parody, a satire or Just-For-Fun. It’s ALL Deadly serious)

Lets Not ForgetOne of these girls pictured being pepper sprayed while doing nothing was also unable to hear; it’s reported that she’s deaf.

The perpetrator of the criminal act has been identified as Deputy Inspector Anthony V. Bologna of the NYPD Borough of Manhattan South.

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use other crafty tricks called ‘Hedonics’ and ‘Geometric

Weighting’ to make you think inflation is safely in check.

It’s astonishingly high actually. You too might enter this

scary new world. Staring at others? Never. Surely no

eye-to-eye contact with any of these unknown and pos-

sibly unpredictable, homeless inhabitants. But you’re one

of them. If this is happening to us older folks, and it is,

imagine being an unemployed recent MBA and/or PhD

graduate?

Even some of you who are living comfortably today, for example the Police Enforcers

in every city, will eventually experience hardship in the years ahead. Many even sooner.

Just ask the 700 ex-New Jersey Officers some of whom are right now, September 30th, 2011, serving burgers, working in factories, driving a cab or unemployed with far

fewer benefits and significantly reduced compensation as compared to what they once

received as officers. That’s also 700 ex-officers many of

whom simply can’t find any work at all. You may be

doubtful. Your pool water is crystal clear, the Jacuzzi is

warmed, effervescent and inviting, that Gym Member-

ship fee keeps you feeling healthy even though you drink

your fair share of alcohol and pop and eat enough red

meat and processed foods to power a small Toyota. The

Country Club, the local tavern, frequented restaurants,

the solitude and comfort of your new car, your yearly

vacations all provide a semblance of order and places

of infrequent and imperfect but seemingly adequate ref-

uge. You’re driving a nice car, or is that a new truck?

Even you are not invulnerable to the massive, elabo-

rate and convoluted financial frauds being committed

by Wall Street financial thugs over the years that have

already recently passed, let alone the even more com-

plex Gordian schemes going on today and into the fu-

ture. It’s all a very sophisticated illusion – don’t fall for

it. Most of the 99% know better and don’t have money

to foolishly invest, anyway. I don’t, now. You won’t keep

up with 30% food inflation and 25% energy inflation,

or more. These were conveniently eliminated from the

COLA by the Clinton’s for those of you that might not remember. Yes, they removed food

and energy from the cost of living formulas. We don’t eat. And we don’t use fuel. Essentially

if you eat a good piece of meat and the price of meat goes up the formulas used now say

you’ll switch to hamburger and if prices rise again you’ll start buying hamburger helper.

This is how they make you think there’s no inflation. It’s called ‘Substitution’ and they also © 2011 Giles Clarke

Sso maybe it’s time that Americans

spoke up in massive numbers as is

happening today. Perhaps it’s in-

evitable. For far too long they’ve

thrown immigration, debt, abortion

and over-spending in our faces when it’s simply a

convenient and sophisticated method used to dis-

rupt us and separate us when in fact the issues are

deeper and far, far more profound.

Ending the Federal Reserve which

no one will discuss openly and

with the pure vision that it’s nec-

essary to remove these criminal

financial oligarchs from the struc-

tural management and distribution of our money

supply is the sole and primary plank of any and all

non- mainstream intellectual discussion today. As

it should be.

Ending these perpetual wars per-

petrated without proper Congres-

sional approval and declaration,

and a total end to the War on

Drugs, the War on Poverty and

the War on Terror with sound and equitable busi-© 2011 Giles Clarke

ness relationships between whatever changed government

we end up with should be paramount on any sociopoltical

and economic agenda. Very short term limits. No lobbyists.

No relationships between corporations, that are

not now representing, never have repre-

sented and that do not represent the other

99%. Heck, we as a civilian population in the

USA have filed 100s of millions of law suits

against these bastards, these corporations,

during the last 100+ years because it’s the

only method we have to fight pure, unbridled

greed, criminal theft and outright fraud com-

mitted against us by powerful and well-fi-

nanced groups. And the game is so rigged,

convoluted and filled with legalese we can’t

possibly understand a damned thing without

a lawyer yet it becomes a circus we STILL

don’t understand even with a lawyer. And

we often lose anyway. Go ahead, try suing

a corporation. Person my ass. They own us.

So don’t let these non-issues divide us. Religion,

skin color, legal or illegal immigrant status, a woman that

just had an abortion versus one that refuses, employment

and jobs; that scary-looking homeless guy was a technical

engineer and this is all new to him and he’s in shock and that

guy sitting on the ground with his backpack owned a three-

bedroom home and a growing and successful construction

firm at one time. He’s having a horrible time adjusting be-

cause just looking at people is hard. Self esteem crumbles at

times like this. Just because they haven’t been able to shave

and clean up for a few days doesn’t mean that they didn’t

once, very recently, have everything you have and in some

cases even much more. Stay connected to each other.

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Th e M a i n s t r e a m w o n ’ t t e l l u s t h a t w e h a v e g l o b a l s u p p o r t .

On employment and jobs; we’ve lost 10.6 million jobs overseas as best as I can

tell. It’s a figure I arrived at researching a previous book. These jobs are not

coming back or even being replaced other than with a small number of service

jobs. McDonalds interviewed over 1 million people this past June or July and

hired 6% which means that 940,000 people applying for a job at McDonalds

did not get hired. That scares the shit out of me. When I was between 17 and

27 I could open the Sunday newspaper in any major city; And I did this in

Newark, NJ, San Diego, CA, Miami, FL, Los Angeles, CA, Bakersfield, CA,

and a few other cities, and I could easily find 5 jobs to apply for on Mon-

day. They all paid between $9 and $12 an hour or more to start and that

was 30-35 years ago. What’s more, they all hired me and on Tuesday I

had to choose which job I wanted to accept. I changed jobs like people change

underwear because they were just that plentiful. I worked at the Miami International Airport loading

and unloading planes, managed apartment complexes, painted homes, built huge custom sailboats, built 50 foot custom

power boats, worked at a machine shop, 2 grocery stores, several warehouses and factories, a hotel, a nightclub, a telemarketing job, as a col-

lection agent for American Express Corporate cards at an elite section of PayCo which was the worlds largest collection agency at that time, sold clothes, worked in a

department store as an undercover security and theft management tech, was an undercover commercial theft investigator, a lifeguard and I was even the guy with the shovel

that came in behind the heavy equipment when digging behind mansions to put in swimming pools. Yeah, that was me, sweating my ass off with a shovel and shorts. And there

were many, many more jobs. A lot more! Jobs were a dime a dozen from the mid 70s through the mid 80s.

But We Do Have Global Support!

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They paid well and required only one parent in a family to be employed. I always had a nice apartment in a nice neighborhood, alone; and I had plenty of good food, a decent car, insurance, gas and the money to do things on the weekends. Go places and do things. Plenty of money.

I remember renting the top level of a duplex on a cliff overlooking the Tor-rey Pines Lagoon and the ocean at Del Mar before the racetrack and enter-tainment complex were built and it was just a beautiful lagoon. That place rented for $220 a month. The entire second floor. 2 bedrooms and a living room with a series of 3 sliding glass doors leading to a patio overlooking the lagoon and the ocean. I watched the sun set almost every night com-pletely unobstructed by wires, buildings or even lights. That was 1975. Just 35 years ago and that same home rents for many 1000s of dollars today. Avocados are no longer a dime and tomatoes don’t cost a quarter. Some-thing happened and we’ll get to that.

But if we had no Federal Reserve and Congress spent the money they printed and coined into the system without having to pay interest to a cartel of financial criminals (almost 400 billion a year in interest at least), greedy psychopaths and slobbering, drooling Eugenicists then

we could begin addressing human rights, liberty, freedom, war, jobs, the economy and social issues and we could do it with dignity. With the private Federal Reserve controlling the money, (and the media) the economic en-gine of the country, feeding it fuel, yanking the choke opened and closed, throttling the motor, running various fuel mixtures and never changing the oil or transmission fluid and then stripping it clean, tires and all, leaving a heaping hollowed out mess up on blocks when they’ve burnt it out and picked it clean, we’re fighting a difficult battle. So Ending the Fed is the goal. It must be.

Approximate view from my home at Del Mar across the Torrey Pines lagoon to the ocean and beyond • 1975 - 1978Remember, this was $220 a month for 2 bedrooms, 1 bath, etc., back then. This points to an incredible 1000% to 2000% increase

or inflation rate since that time, 35 years ago, right?

What happened, as I mentioned above, is that the Fed did exactly

what many, many people warned us about from Jefferson to Adams

and from Kennedy to Eisenhower. They orchestrated bubbles for

their friends and cronies to absorb vast wealth and profits, ma-

nipulated inflation for huge corporate profits and restructured the

legislation, the actual statutes or laws to make almost all of it legal. And what paperwork trails

and files that were left that proved these acts weren’t legal was destroyed in several mysterious,

large, building fires. So the banks, by inflation and deflation have and are causing our children to

face being virtually homeless on the continent they were born on as Jefferson stated. For many of

the 100,000 graduates a month the future is bleak, indeed. Certainly not all of them but many of

them, and more then not I fear, will have a rocky employment road.

That’s right. We need 100,000 jobs created a month to keep up with college

graduates alone. In this past July or August, I don’t recall which it was, we

added a net negative 14,000 jobs. We haven’t been adding 100,000 jobs a

month for many years. There’s a reason real unemployment is 20%+ and

people are in the streets. And the internet has made a wealth of financial data

available about things like depressions and recessions, inflation and deflation, derivatives and

short selling, investment frauds, algorithms and lightning speed computer trades, banking his-

tory, Jekyll Island, the globalists, the bankers, 1913 and the Federal Reserve Act and so much

more. The list is endless, right? I know, we can all add to it endlessly.

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There are millions of us. 25 million or more

of us are currently unemployed and most of us

have virtually no chance of finding permanent,

respectable work. We’re older, perhaps over 50

or 60 and we just aren’t being hired.

There are not just rumors but reliable quotes across the internet

that businesses are steering away from hiring the unemployed.

It’s riskier. They just have that many applicants that are currently

employed individuals seeking alternative work and they would

rather entertain hiring someone who’s still employed!

College graduates seeking work are entering a market that’s never

before been as competitive or as intrusively meticulous in investi-

gating personal information. Pre-employment for the few higher

paying jobs that there are face drug tests, numerous psychologi-

cal pre-employment tests and other tests to rate various personal

qualities. You’re now not much more then a number.

For analysts, engineers and IT tech positions that is. There are no

jobs to replace the 10+ million lost to globalization, outsourcing,

off-shoring – plain old greed. Those kind of jobs are gone and they

aren’t being replaced at all. Unless a WalMart, Walgreens, Burger

King, McDonalds, Starbucks type job excites you.

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H opes are pinned on enough WalMarts, Walgreens, Burg-er Kings, McDonalds and Starbucks, or companies very much like them, to open simultaneously across the coun-try and provide jobs for unemployed Americans. Some-one must be laughing. The more young men and women

we can ship off overseas to fight a war, some war, any war, any-where, or to even stand guard and play soldier and act like there might be a war, is what the gas tank of the economic engine of this country is being filled with as of right now. Sending a mil-lion or two young people overseas to fight wars and man bases reduces unemployment at home. It’s like pulling the shades closed won’t let you see who’s at the door. There are an estimated 11-12 million home foreclosures, maybe more. There are proba-bly more then 25 million unemployed people. There are about 48 million people on Food Stamps. That figure has almost doubled in about two years. There are an estimated 1 million homeless people but who knows for sure? Homeless people are harder to count. There are over 50 million people on all the different Social Security related grants and programs. There are a large number of disenfranchised Americans, actually a major-ity of Americans at this point, that because of the Federal Reserve banking system are not just disenfranchised but just flat broke. It’s astonishing that a criminal cartel such as this is allowed to even exist. It’s criminal by nature to the civilian population it should serve by any intellectual measure and profitable to a very few at the very top of the human food chain, so to speak. There are still

millions of us.

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S top buying their stuff. That means no more Cokes and Pepsi’s and no

more burgers and fries. It means changing the type of consumer they

taught you to be. It means understanding your consumption habits are

often learned and the media, especially

the TV, plays a significant part in that;

subtle, sophisticated, nuanced, clever, often just background noise.

But it gets through to our subconscious selves. It means learning

to be the non-consumer. Send a clear message back that, “I won’t

buy your products that are pathetic representations of food” and

“if it has GMO ingredients or chemical additives I’m not going

to buy it” but most of all, boycott everything corporate until they

End the Federal Reserve. You can even buy bulk Natural American

Spirit ‘roll your own’ additive-free organically grown tobacco (I

quit 3 days ago but that stuff kinda rocks if you know what I mean).

And this is not necessarily because you hate McDonalds, WalMart,

Burger King and other corporations like them, although I do, but

because it’s time to support a movement that you can’t get out in

the street and protest with because you’re working and supporting

a family or a dream you now see slipping away. Maybe that dream

slipped away a long time ago. But for whatever reason you can’t

get out into the street just yet. So it’s about participating even if you

can’t make it into the streets. Stop buying Marlboro products, stop

using fast food chains, stop drinking Coke and Pepsi and the 100s

of products they make. Stop buying Colgate and Crest. Boycott

everything that isn’t organic and properly raised, grown or made.

Move to a credit union. You can make your life chemical-free and

save money at the same time and you can make a difference. And

wouldn’t a corporate-free diet for your children combined with what will be obvious benefits with

a credit union be the best decisions for your children and grandchildren? Even if there are only

certain aspects of a credit union that makes sense and some that don’t. And even if you can’t get

everything you need at a 100% organic co-op a few miles down the street, you can still make

changes. STOP PARTICIPATING in your own slavery and boycott all of the corporations. Every-

thing. Don’t go to Circle-K, 7-11, QuikTrip, SuperAmerica or any of the corporate owned junk

food and junk item sellers except for gasoline. Make food safety a number one priority in your

home, boycott ALL of the large corporations and help put an end to the Federal Reserve banking

cartel that has a stranglehold over our currency production, regulation and structural functions

using recession, depression, inflation, deflation and outright crime to fleece us all and funnel the

wealth to the top. Vote with your wallet EVERY time you buy something.

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Arrest One PersonAnd 1000 MoreWill Replace That One.

Then 10,000 Then millions.

WE AreThe 99%.

There are millions of us.

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Occupation 1 0 1


Now, a Little on Credit Unions

I’m not saying credit unions are perfect by any means. They’re a business too. But often times they do have a variety of benefits over banks. You should check carefully to see if there’s a convenient cred-it union for you and how their features and benefits might exceed by a wide margin those of your current bank. This would be especially helpful if you bank with the major partners of the Federal Reserve, like Chase, JP Morgan Chase, Citibank, BofA and ALL of the others.

Credit UnionsAre Almost Always A Better Bet

Than Banks

Converts Sing Praises Of Credit Unions

$1,200 legally yanked from savings accounts drove one man from his bank. Lower interest rates on credit cards and fewer fees attracted others to credit unions.

The notices started coming. First one credit card was raising its rate, then another. Looking for a way around a 19.99% interest rate, Joe contacted a large local credit union and was immediately offered a credit card at 6.99% interest.

Even more exciting, a credit union representative uttered those four little words Joe had been longing to hear: no balance transfer fee.

That’s all it took for Joe to switch. Others point to better customer ser-vice, higher interest rates on checking and savings accounts or the “unfair or deceptive” practices used by bank credit cards as reasons they’ve kicked big banks to the curb.

Tired of chugging along like a cog in a corporate wheel? Feeling a little credit-union curious? Read on for stories of people who’ve suffered the last straws and switched.

Fine-Print FiascoMike Phinney, a technical director from Baltimore, says he switched his checking, savings and credit card over to a credit union after his bank changed ownership – and the language of his banking contract – allowing it to take his money.

“I had these two household accounts with about $600 each, money I was holding on to for renovations,” he says. “But then my bank changed the language of the contract, saying that if an account doesn’t remain active, within 30 days you start to accrue penalties.”

Phinney says he wasn’t aware of the change until he went to purchase something using one of the household accounts and found it was emp-ty. Ditto for its twin. When he contacted the bank, the news got worse: He was told he owed the bank money, thanks to penalties he’d accrued from having two inactive accounts.

He argued with two managers, who finally agreed to remove the bal-

ance due. But they kept the $1,200. “That’s when I pulled all my money out of the bank and switched over to a credit union,” Phinney says.

There were other reasons, too. Phinney’s bank had refused to budge from the 17% interest it charged for his credit card (the credit union offered him 6%), and the customer service at his bank, he says, was getting worse.

“They couldn’t make the simplest decisions without calling the head office,” he says. “It was becoming very impersonal. At the credit union, though, it feels like the good, old-fashioned cus-tomer service that people long for. They’re friendly; they know you by name. It’s like the old family bank.”

Credit Unions Are Member-Owned While Banks Are Run

For The Benefit Of Shareholders ONLY

Prompted By Penalty FeesPenalty fees also drove Liz Washer, a communications director from Amherst, Mass., to switch her checking and savings accounts to a cred-it union after being with the same bank for more than eight years.

“I watched my checking account very closely, but in eight years, you’re going to make a mistake here and there,” Washer says. “I finally goofed and paid a bill before my paycheck cleared. The account was over-drawn for about a day, but a bunch of little ATM charges and bills went through on that day.”

Washer hadn’t paid extra for overdraft protection (“I find the concept of paying for a checking account irritating”), so she was hit with a slew of penalty fees. When the same thing happened a year later, she was hit again -- not just with $200 in fees, but with attitude.

She knew it was her fault, but the fees felt punitive because she’d been a customer for so long. “So I called customer service,” she says, “and was handed off to a very strident manager who smugly reminded me that the same thing had happened before. That’s when I told her I planned to move to a credit union.”

Washer says she’s found the credit-union policy regarding overdrafts much more accommodating.

“They charge a fee, but you have to be a repeat offender,” she says. “And they let you know quickly if your account goes into the red. My bank would send a letter, which is a great way to guarantee you won’t know for a couple of days. It’s like they’re hoping you don’t notice too quickly so they can charge you every time something goes through.”

Another plus: Washer’s credit union doesn’t charge a fee every time she uses an ATM.

“The bank ATM fees were annoying,” she says. “I was usually being charged around $4 in fees to withdraw cash. At the credit union, they reimburse any ATM fees.”

Lack of interest“I try to pay off my credit cards every month, but in 2007, a payment arrived late,” says Heath-er Murphy, a communications director from Chandler, Ariz.

As a result, Murphy’s bank raised her interest rate from around 17% to an “obscene” 23%. Not surprisingly, Murphy contacted the bank to see whether there was a way around the higher rate, but the bank simply pointed to the terms and conditions regarding late payments.

And then it did something else. The bank told her she wasn’t their kind of customer.

“The message I received from the bank was that they weren’t interested in keeping my business because I didn’t keep a rolling balance,” she says. “I told them, ‘Look at my history, look at all the years and years I’ve been with you,’ and they said, ‘Yeah, you typically pay off your balance every month.’ I said, ‘Yes, I do, isn’t that awesome?’ and they said, ‘No, not really. We make money off of people who don’t pay off their bill.’”

Miffed, Murphy talked to a credit union and was told that with her spotless credit history, she would be eligible for a 7.9%-interest-rate credit card. “After learning that, I was kicking myself for even having a credit relationship with my bank,” she says.

Interest was also behind the switch for Kelly Quintanilla, a marketing director from Grand Rap-ids, Mich., who had been with the same bank since she was 12.

“I stuck with them through high school, college and the early years of my career,” she says, but when a local credit union advertised a 4%-interest checking account, she switched. “I thought I’d try it since I was earning pretty much no interest on my savings at the bank.” She got her car loan there for a low rate, too.

Big Versus LittleThere are trade-offs, though, when it comes to switching from a big bank to a cozy credit union.Michael Hanley, a certified public accountant with more than 300 small-business clients, says credit unions have offered his clients better loan rates and better business practices. One cus-tomer was regularly paying about $1,500 a month in insufficient-fund and bounced-check fees, simply because his bank posted debits first and deposits last, even for deposits made first thing in the morning.


But they can also mean more work on the bookkeeping end for businesses, not peo-ple..

“Their bank statements tend to be fairly archaic,” Hanley says. “And their online banking systems tend not to interface with QuickBooks as often as regular banks’, so there can be a huge data-entry compo-nent.”

Others point to a lack of locations as an is-sue.

“The lack of branches is the biggest prob-lem for me,” says Janice Sellers, an office manager from Oakland, Calif., who recent-ly switched to a credit union after suffer-ing a series of “rapacious” bank practices. Parking at her credit union is hard, and the hours don’t mesh well with her work schedule Still, the pluses seem to outweigh the minuses for many.

“It’s smaller, it’s more personable, and it’s definitely easier to get questions an-swered,” says Washer, who adds that switching to a credit union sooner could have saved her close to $500 in penalty fees. “Plus, for me, it’s like the whole ‘buy local’ thing. Credit unions are doing well in terms of getting local customer loyalty. The financial crisis has just made people look at larger institutions with deserved skepticism.”

Most of us are looking at larger financial institutions with a little more then well de-served disdain, to be polite for a moment, and outright and justified hatred in most cases. Most people never notice the differ-ences between credit unions and banks. However, as an educated consumer, look-ing to get the best deals (that IS you, right?) you should know how the insti-tutions differ. By reading these fast facts about credit unions maybe you’ll know what to expect.


Looking to get the best deals (that IS you, right?) you should know how the institutions differ. By reading these

fast facts about credit unions maybe they’llbe easier for you to understand.

Who Owns a Credit Union?

A credit union is an institution owned by the “members” or customers. Contrast this with banks where the customers are just customers. Banks answer to profitability – usually shareholders own a bank and expect financial performance from bank manage-ment. Credit unions are nonprofit organiza-tions that strive for service over profitabil-ity. Note that I said that credit unions are nonprofits, however they are not charities. Credit unions must make sound financial decisions.

Who Runs a Credit Union?

If all the customers own the credit union, then who has time to run the place? Cred-it unions actually have the same types of personnel as banks. Upper management consists of a board of directors who makes decisions on credit union operations. This board is composed of elected volunteers. They don’t do it for pay – rather, they’re ac-credited union members who want a say in how the place is run.

Who Can be a Credit Union Member?So, what does it take to be a member of a credit union? It depends on the credit union. Credit unions simply have to limit their offerings to people who have a common bond. This bond may be the geographic community, a workplace, a religion, or other type of bond.

Credit unions cannot simply offer their services to anybody who has a pulse. Instead, they are limited to working with those who share the common bond. If a credit union fails to limit mem-

bership in this way, they risk losing their status as a credit union. Once you join a credit union, you may be able to use branches of different credit unions around the country with CU Service Centers.

What Products do Credit Unions Offer?In its simplest form, a credit union gets mon-ey from its customers and loans that money out to other customers.

Credit unions will typically offer the same products and services as larger banks. How-ever, some credit unions will choose not to offer every product and service out there. The reason is that these credit unions do not do the same amount of volume that larger banks do. Banks can afford to have “loss-leaders” or products that get customers in the door. Credit unions will more likely only offer the products and services that a large portion of the membership is likely to use. Remember how we talked about the mem-bers owning the credit union? Some credit union products have different names than their banking counterparts. Your deposits are often called shares because they repre-sent ownership (like shares of stock) in the institution.

CU Service Center Basics

CU Service Centers are part of a network of credit unions. If your credit union is part of that network, you can use branches of any other credit union in the network - whether

it’s across town or across the country. There are more than 4,000 CU Service Centers nationwide.

How to Use CU Service CentersTaking advantage of the CU Service Center network is pretty easy. Just walk in as if you own the place (as all credit union members do). Use the deposit slips you find inside the CU Service Center branch, and ask for help if you need it. Tellers and staff are used to helping visitors from other credit unions. Once you’re familiar with the program, you can use drive-through win-dows.


What to BringYou’ll need your account number, ID, and credit union name to conduct business at a CU Service Center. If you don’t know your account number, nobody can look it up for you.

LimitationsYou can get most of your needs met at CU Service Centers. However, some services (like requesting checks or closing accounts) may not be avail-able. Ask your credit union’s customer service department before leav-ing the house if you have questions.

How Competitive are Credit Unions?

Small credit unions give the big banks a run for their money. Be-cause credit unions tend to focus on service over profitability, the rates can be better at a credit union. If you are a rate shopper, you may not find the attractive CD sales as often. However, a long-term relationship with a good credit union can be profitable. Re-member that some credit unions do not offer the whole universe of products and services that larger banks will. This can give the banks an advantage if you happen to want those particular services.

Banks vs Credit Unions Is Your Money Safeat a Credit Union?

Credit union deposits are insured very much like your bank deposits. The organization that insures the two types of insti-tutions is different. However, the quality of insurance is the same in my mind - backed by the full faith and credit of the US government.

Ownership the Primary Difference

You may not care - or you may think it’s significant - but the main difference between banks and credit unions is ownership. Credit unions are nonprofit organizations owned by their customers, who

are called ‘members’. Ideally this means you’d get a better deal at the credit union. Without outside owners demanding increasing profits, the credit union should provide great services at a fraction of the cost. However, it’s not always the case. Some credit unions just act like banks

with tax benefits, and large banks may get an advantage due to their larger scale. It depends on your credit union. Do the research.

Safety - Neck and NeckBanks and credit unions both keep your money safe. If the institution goes

under, some or all of your money may be guaranteed by the US govern-ment. To be safe, make sure your bank has FDIC insurance or your cred-

it union has NCUSIF insurance.

Products - Pretty ComparableThe products available at banks and credit unions are very simi-lar. For most of us, it’s a coin toss: either one has checking ac-counts, loans, savings, and CDs. Credit unions rates are often a bit better, but there are plenty of exceptions. On the other hand, banks often offer more products and services than a small credit union.

Customer Service - VariesBoth banks and credit unions can offer great customer service. They can also make mistakes.

In credit unions, service may be more personalized, and it’s easier to get to know people; there are fewer employ-ees and fewer customers. However, they may also be less formal - especially small credit unions. Most credit unions have excellent websites, and you may not even need more than a page to view your account balance and pay some bills.

Which Should You Choose?There’s no clear answer to the bank vs. credit union ques-

tion. You should consider both of them by carefully examin-ing features and benefits and how they’ll effect your financial

needs. Personally, I have no need to use banks to “handle” my money for me until I make over 100 million a year and I’m not

there just yet. Anything less requires a prepaid credit card and a back pocket at the most, perhaps just a pocket alone. But if

you need banking services, please, be certain that you check out the credit unions for a mutually profitable and satisfying long-

term business relationship.

FrederalReserve

I Want You

as a slave!

NCUSIF • How It WorksNational Credit Union Share Insurance Fund (NCUSIF) is a government backed insurance fund for credit union deposits similar to FDIC insurance for banks. The NCUSIF is managed by the National Credit Union Administration (NCUA). To date, the fund has been financed only by credit unions themselves -- no government funds have been deposited to the insurance fund. NCUSIF coverage has levels similar to FDIC insurance: $100,000 per individual, and $250,000 for retirement accounts. However, NCUSIF treats Keoghs as separate from other retirement ac-counts so you can enjoy up to $500,000 of coverage if your retirement accounts are structured properly.

Note: The Emergency Economic Stabilization Act of 2008 increased coverage limits to $250,000 on all accounts until December 31, 2013. NCUSIF insurance gener-ally pays benefits within a few business days.

Daily Rate ComparisonThe chart at right gives a daily rate comparison for today, Friday, September 30th, 2011. Av-erages displayed in the chart at the right are straight averages of all institutions within the Informa Research Services database for the selected region as of Friday, September 30, 2011. As you can see, for the average person, credit unions are ALWAYS better. Even for the more sophisticated investor they can often be more desirable for many reasons.

That’s it for banking. I firmly believe that for those who do have a major banking account that moving to a credit union with should make an enormous impact if we just spread that concept alone. Do the minimal research which you should be able to do in a few hours by phone and make the switch to a credit union. Get away from the too big to fail and too big to jail. They got away with theft, fraud and causing deaths. But haven’t we just had enough?

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A Little On TaxesBut There Won’t Be Any Tax Advice Here

Reagan’s Grace Commission wrote the following astonishing conclusion This is directly from the Grace Commission Report at: http://www.uhuh.com/taxstuff/gracecom.htm

Quote:

“Resistance to additional income taxes would be even more widespread if people were aware that:

• One-third of all their taxes is consumed by waste and inefficiency in the Federal Government as we identified in our survey.

• Another one-third of all their taxes escapes collection from others as the underground economy blossoms in direct proportion to tax increases and places even more pressure on law abiding taxpayers, promoting still more under-ground economy-a vicious cycle that must be broken.

• With two-thirds of everyone’s personal income taxes wasted or not collected, 100 percent of what is collected is absorbed solely by interest on the Federal debt and by Federal Government contributions to transfer payments. In other words, all individual income tax revenues are gone before one nickel is spent on the services which taxpayers expect from their Government.”

End Quote.From The Grace Commission • Report to the President • January 15th, 1984

Now, there is a list of taxes we pay which includes monthly and yearly fees, registrations and various paperwork fees, sales taxes and other payments required by the state to survive in the system on the following page. Much of the business licensing is omitted and this list is not comprehensive by any means but it illustrates a point. That point is that we are being taxed at over 50% of our total work product when all the taxes, licenses, fees, registrations and one time charges are all added together.

But it get’s much, much worse:

“100 percent of what is collected is absorbed

solely by interest on the Federal debt and by

Federal Government contributions to transfer payments.

In other words, all individual income tax revenues are gone

before one nickel is spent on the services which taxpayers

expect from their Government.

BUT WAIT, imagine that it get’s even worse, if you can believe it ...

Another Bag BoyFor The Bankers”

Who Gets The National Debt Interest?

The Names Please? Who Do We Pay?

Who Ends Up With The Money?

(From the internet) While the short answer may be the Federal Reserve, who spe-cifically is getting this money??

(if you don’t know, or don’t know why it is important to know... please keep read-ing...)

The 2010 Fiscal Year Total of the US interest payment is $375,247,863,222.70

http://www.treasurydirect.gov/govt/reports/ir/ir_expense.htm

That is 375 billion+ A YEAR!!! Someone (or someones) is getting a lot of all of our hard earned money ... FOR NOTHING!!!

If we can find out who the actual individuals are who are getting paid all that mon-ey... would they not be open to prosecution, either via Superior court civil action, or (if only) even criminal Court for running a ponzi scheme, or for creating money out of thin air??

There must be other charges... for any of you legal people... please add the charges as you might see it).

Now, why should you care, or why should anyone care? These banker scam art-ists have been operating with the benefit of secrecy for like 80, 100, 1000 years or so ... making all that money ... imagine if suddenly AMERICA THE SLEEPING GIANT ..woke up!! There would not be a piece of soil on earth that they could hide on ... there would be thousands of “bounty hunters” on their ass... for like EVER!!! (once the truth about their 80 year old scam got out, that is)

So, again I ask... who specifically is getting paid over 375 BILLION DOLLARS a year of the taxpayers money and what are they spending it on?

(can you imagine, if this knowledge was front page news in just one major newspa-per... one major television show... talk bout riots by noon!) Who’s Stealing Liberty?

“In a recent conversation with an official at the Internal Revenue Service, I was amazed when he told me that ‘If the taxpayers of this country ever discover that the IRS operates on 90% bluff the entire system will collapse’”. -Henry Bellmon, Senator (1969)

“Our federal tax system is, in short, utterly impossible, utterly unjust and completely counterproductive [it] reeks with injus-tice and is fundamentally un-Ameri-can... it has earned a rebellion and it’s time we rebelled”. -President Ronald Reagan, May 1983, Williamsburg, VA

“OurIncome Tax system is a disgrace to the human race.” -Jimmy Carter, said in 1976 by the then President-to-be

“Eight decades of amendments... to [the] code have produced a virtually impenetrable maze... The rules are unintelligible to most citizens... The rules are equallymysterious to many gov-ernment employees who are charged with administering and enforcing the law”. -Shirley Peterson, Former IRS Commissioner, April 14, 1993 at Southern Methodist University

“The wages of the average American worker, after in-flation and taxes, have decreased 17% since 1973, the only Western industrial nation to so suffer”. -Martin Gross, author of “The Tax Racket: Government Extortion From A to Z”

Bonzo by PragerI really hate to mention this because some people, I think, might even

cry fowl. I disagree completely and have to ask, only because I’ve seen it, but have you seen it? “Bedtime For Bonzo.”

Not one of Reagan’s proudest moments really reso-nates with me. This guy was an actor. Correct

me if I’m wrong but he did cigarette com-mercials, right? He also hawked

other products for money. We elected a guy that approved doing a movie called “Bed-

time For Bonzo” to fulfill a Hollywood contract he was ob-

ligated to do with a starring role, a co-star in fact, being a Chimpan-

zee known as Bonzo. Sure, it was the 1950s and things were different.

But they weren’t that different and he was a ‘b’ rated actor, more like a ‘C’ or

‘D,’ but he wasn’t that good and tool jobs at the bottom of the fish bowl. But still,

there were egotistical people striving for the top or any small part of whatever “the

top” was that they could get their hands on. Reagan was one of them. A whore for profits.

A marionette for the elite.

But really, we elected the leading star from ‘Bed-time For Bonzo’ and people thought he was great.

How could this happen in America? Because an actor was chosen to play a part and he played the part well.

No one guessed he was a puppet.

A puppet for the Pentagon, a puppet for Wall Street, a pup-pet for American globalists like the WalMart heirs who now

make a significant portion of gross profit with overseas sales alone (as does Goldman Sachs (can you say “engineered Greek

failure). WalMart with 24.7% of gross sales in 2010 from interna-tional sales and with Sams Club at 11.5% means US Wal Mart sales

should account for about 60% or a bit more of total gross. Why not boycott this entire store? Make it a ghost town? What would Bonzo

do? Sit around and eat Rockefeller owned, United Fruit grown, Mon-santo GMO certified, bananas sprayed with a dozen different pesticides,

herbicides and fungicides with equally regular doses of petroleum based fertilizers? Or would Bonzo just say, “fuck you and your bananas!”

How Could This

Happen In America?

Here’s that list of Taxes, Fees, Registrations,

Assessments and money rendered to the city,

county, state and/or federal government in

one way or another. This list is not compre-

hensive by any means.

Toll Bridge TaxesToll Tunnel TaxesTraffic Fines (indirect taxation)Trailer registration taxUtility TaxesVehicle License Registration TaxVehicle Sales TaxWatercraft registration TaxWell Permit TaxWorkers Compensation TaxGasoline Tax

Not one of these taxes existed 100 years ago and our nation was the most pros-perous in the world, had absolutely no national debt, had the largest middle class in the world and Mom stayed home to raise the kids.

What the hell happened?

TAXES

Tell-A-Vision Happened

Accounts Receivable TaxAutomobile Registration Tax

Building Permit TaxCapital Gains Tax

CDL license TaxCigarette Tax

Corporate Income TaxCourt Fines (indirect taxes)

Dog License TaxEstate Tax

Federal Income TaxFederal Unemployment Tax (FUTA)

Fishing License TaxFood License Tax

Fuel permit taxGasoline Tax (42 cents per gallon)

Hunting License TaxInheritance Tax Interest expense (tax on the money)

Inventory tax IRS Interest Charges (tax on top of tax)IRS Penalties (tax on top of tax)

Liquor TaxLocal Income Tax

Luxury TaxesMarriage License Tax

Medicare TaxParking Meter Tax

Property TaxReal Estate Tax

Septic Permit TaxService Charge Taxes

Social Security TaxRoad Usage Taxes (Truckers)

Sales TaxesRecreational Vehicle Tax

Road Toll Booth TaxesSchool Tax

State Income TaxState Unemployment Tax (SUTA)

Telephone federal excise taxTelephone federal universal service fee tax

Telephone federal, state and local surcharge taxesTelephone minimum usage surcharge tax

Telephone recurring and non-recurring charges taxTelephone state and local tax

Telephone usage charge tax

We Were Outside All DayFrom about 8 years old until I was 24 or 25 I was never inside

I Was Always Outside

Of course I was back and forth between my Dads home and various different “my own homes” a few times before I really had a final “my own home,” which didn’t last but a year anyway but you get the idea – I was getting moved out. It just took a few years.

We didn’t have computers. We barely had tele-vision and ‘Father Know’s Best’ and ‘Bonanza’ were great shows but they couldn’t hold a candle to “outside” although ‘I Dream Of Jeannie’ came fearfully close. So did the door girls on ‘Let’s Make A Deal’ with everyone’s favorite, Monty Hall. Still, the South Mountain Reservation with any of about 200 of my friends, Wildwood and the Jersey Shore with Anthony, his girlfriend and Ann, High Point with a tent, Jersey had a woodsy - beachy getaway that was always totally unpopulated, supposedly secret yet everyone knew about it and not yet popular except everyone went there.

And of course the landmarks all called our atten-tion too. At 14 we were regulars at the top of the Empire State Building for Big Macs and Cokes (which we brought with us from somewhere on the ground). We took the train from Millburn Train Station to Hoboken and then the “tubes” into the city. Greenwich Village, Central Park, the museums, the galleries, the restaurants and the hot, fresh, brown paper bags of chestnuts on al-most every corner are all unforgettable.

We were always outside.

That was the difference.

Hemlock Falls at the South Mountain Reservation, a major favorite hangout in the summer

or the winter where I grew up in New Jersey – seen here frozen

solid one Winter and flowing lightly one Spring.

The Big

And What Happened Next

Isn’t Yet History -But It Will Be ...

America changed.

The television changed American consciousness and slowly altered human perception with the intent of creating consumers directed towards a life of con-suming products all made by the same top 100 com-panies on the planet and all owned by the same small and closely aligned groups. This within just a few years beginning in the early 1950s and progressing in a most sophisticated manner up until today. Their power makes and creates countries, or creates chaos. Both are profitable. Think Bernays.

This quiet power can create endless war or people that eat poisons and wonder why they would get diabetes, heart disease, high blood pressure and high choles-terol at 49? It creates forgotten horrors, disasters of immeasurable proportions because they continue for 100s of years and our memories of these things are sometimes ten years at best. Bhopal, India and Dow Chemical; Vietnam, Agent Orange, another Dow Chemical but this time with Monsanto helping, where the Vietnam government estimates a minimum of 400,000 people being killed or maimed, and 500,000 children born with birth defects.

It created consumers and tells them what to consume.

But it also created consumers and tells them what to think.

Channels For EveryoneThere are channels for everyone from people that love televangelists to reality TV and CNN, MSNBC, ABC, CBS, and Fox among 100s of others provide the daily updates absolutely nuanced free. It’s all there

in Black & White living 21st century color for you to feast on all day and all night, 24/7, it never shuts down. Glued to the tube. The machine never stops. And you have video games to play in between favorite shows.

No matter if you’re a liberal or a conservative, a pro-gressive or a centrist, a San Franciscan or a Southern Baptist, a professional or a blue collar toiler, a fright-ened unemployed work searcher or a drug choked car thief, a doctor, a dentist, a Native American Indian, an under-the-table alien, there’s channels designed to keep you laughing in between short nuanced-free anal-ysis of national and global events; socioeconomics and politics. All propaganda. Always distorted truths and outright omissions. But something for everyone.

Oddly, all of the factions among what really is compar-atively just a small group of people seem to have us all convinced that war is always a favorable, necessary, part of the norm as opposed to the abnormal where it belongs. So they even created war mongers amongst us.

The TV portrays every human addiction from smok-ing to drinking alcohol including theft, fraud and mur-der and often times in positive terms. From fast food consumption to mindless acceptance of vaccines, your opinions are manufactured for you. From your cologne to your toothpaste and from your pants to your de-oderant you’re told what you like, what to buy, what to want. By the tell-a-vision.

A consumer is loosely defined as a person who purchases goods and services for personal use.

The TV did that.

It created consumers.

Dumb ones.

I was one of them.

There’s a TV in every home and it’s not just in every

home it’s the centerpiece of almost every civilian American home. Lot’s of people have 2, 3 or more. © 2011 Giles Clarke

They’re in bedrooms, dens, spare rooms, garages, work rooms and even in bathrooms. People with hurried lives have nowhere else to get their information from that’s as convenient (and radio and print are no different) as a television – where they can kick back in the most com-fortable chair they own and watch the largest electronic color picture screen they could afford to buy with the sound system that fit their budget. A cold or warm beverage within reach, any delicious home cooked or ordered out food-at-your-fingertips and a remote control that has 400 functions and in some homes controls the lights, the curtains and the action and more.

I Was One Of ThemI rushed home after work to catch MSNBC and thought after 2-3 hours of that every night that I was an expert on every subject. And I was an expert on every subject, because I thought I was. I saw it on MSNBC. And then I started actually researching some of these subjects on alter-native web sites; Global Research, AntiWar, Natural News, Mercola, and I actually began checking this alternative data with the CDC and the FDA and the USDA and USGS and guess what? The alternative perspectives were true, they had solid, credible and inarguable foundations. So then...

Then there’s that rude and rather embarrassing but internal and rarely shared awakening. Not the part where you’re aware. The part where you were a fool. The opart where you realize everything you were ever taught was a lie from Columbus to the Civil War, from Pearl Harbor to the Federal Reserve Act, from the Gulf of Tonkin, the USS Liberty and 911, from bail-outs to wars, it ‘s all been a lie. When you realize they lied about vaccines and the data is out there if you want to wade through it. The same with GMO foods, food additives and processed foods. You’re stunned for days if not weeks, months or a lifetime by all of it. We don’t often share that part of the “boy was I an idiot” component of the realization process.

But Tell-A-Vision happened to everyone.

All of us.

Yet some of us managed to escape.

It’s like the Matrix with Neo, but it’s much stronger, more futuristic, inno-vative, trailblazing and highly evolved. Of course after years; 10, 20, even 30 or 40 years or more of television as a primary source of information in a society that began to slowly distance itself from reading books in the early 1900s it’s become a sophisticated and dangerous form of indoctrina-tion. And too many still can’t see it. But we all need to throw away the TVs. Or at least use them responsibly. Watch a movie, enjoy a show. But under-stand that no matter what you watch including anything called ‘the news’ is strictly entertainment and needs to be wholly ignored until verified by

trusted alternative internet web sites. Even corroboration by 47 other mainstream web, TV, radio or print media “News” disseminating sites still tow the 911 line. Why would you believe anything else they say? At all? Ever? They’re proven liars ...

HistoryHistory will, at some point begin to reference this as the Age Of The Tell-A-Vision. From 1900 up through, including and beyond 2000 will always be the Age Of The Tell-A-Vision – The Century Of The Tell-A-Vision; when it began, how it was developed and refined, tested and researched and finally perfected to remotely create an uninterested, unenthusiastic and dispassionate political, so-

Officer Pancho Kowalski guards the Mens Warehouse from suspected looters in the

New York City financial district. Shipments of new suits and ties from sweatshop countries were

anticipated to cover anypotential shortages.


cial and economic under class; so much so that vast lies could be told, discovered by many and still be allowed to stand. in a developed, relatively well-educated, intellectual and interested population. It’s been a work of genius and recognition of that genius and it’s connection to the historic Age Of Tell-A-Vision will not be lost on the historians.

The InternetEven the internet is troubling at times because there are literally trillions of pages, maybe more. I’m not an expert on internet page counts but there are more then I can count. And while no one can compromise every page and all of the data on it there can always be a great deal of propa-ganda. Just use a wide variety of sources for every issue you explore. A wide variety means 4, 6, 8 or 10, sometimes 20 or 100. It just depends what you’re looking at and how in depth you’re studying it. Still, while you’re on the internet, just like watching Fox or CNN, be careful what you believe, examine the source, and exercise discernment and dis-cretion.

Taxes, Again,

For The Last Time ...As the Grace Commission made perfectly clear in 1984, almost 27 years ago, none of our taxes then were required for or even used for any government expenses. They paid interest on the national debt. With the national debt magnitudes higher then it was in 1984, with money worth less and with less taxes actually being collected it’s prob-ably safe to say that income taxes can’t even keep up with the interest on the national debt any longer. They’re just another lie.

So Where Are We?Well, hopefully by now several valid impressions have been made with adequate support to give them weight and validity.

1. If you bank with one of the big banks, and most people do, it’s time to research and locate a credit union near you that will offer you a bet-ter deal all the way around. If that is the case, and it will be, it’s time to move your money and,

2. We’re being taxed at over 50% of our income or work product no matter what figure you’ve paid at the end of the year when one fac-tors in all of the added taxes, sales taxes, fees, registrations, 1 time payments, licenses and everything else associated with this current economic model and someone’s blowing most of the money and, © 2011 Giles Clarke

3. Stop watching TV and don’t ever use the data from television to form an opinion unless you’ve also researched alternative media and weighed any opposing final results. Often times the government controlled US media is lying and as time passes the lies grow bolder. The TV is the enemy. The elephant in the room. It’s all up to us.

Each of us.

700 Arrested Protest On NY’s Brooklyn Bridge

(We Should Discuss This Briefly)By Colleen Long • Associated Press • October 1, 2011

NEW YORK — Ms. Long says, “More than 700 protesters dem-onstrating against corporate greed, global warming and social inequality, among other grievances, were arrested Saturday after they swarmed the Brooklyn Bridge and shut down a lane of traffic for several hours in a tense confrontation with police.” Now Ms. Long doesn’t mention the extraordinary greed that allowed for 100s of billion dollar bonuses while Ameri-cans lost their asses does she. That would take up sev-eral pages. I think there were over 100 books on the is-sue of Wall Street and blatant crimes with total impunity. She continues:

“The group Occupy Wall Street has been camped out in a plaza in Manhattan’s Financial District for nearly two weeks stag-ing various marches, and had orchestrated an impromptu trek to Brooklyn on Saturday afternoon. They walked in thick rows on the sidewalk up to the bridge, where some demon-strators spilled onto the roadway after being told to stay on the pedestrian pathway, police said.”

“The majority of those arrested were given citations for disor-derly conduct and were released, police said.”

“Some protesters sat on the roadway, chanting “Let us go,” while others chanted and yelled at police from the pedestrian walkaway above. Police used orange netting to stop the group from going farther down the bridge, which is under construc-tion.”

“Some of the protesters said they were lured onto the roadway by police, or they didn’t hear the calls from authorities to head to the pedestrian walkway. Police said no one was tricked into be-ing arrested, and those in the back of the group who couldn’t hear were allowed to leave.”

“Multiple warnings by police were given to protesters to stay on the pedestrian walkway and that if they took roadway they would be arrested,” said Paul Browne, the chief spokesman of

the New York Police Department. Erin Larkins, a Columbia University graduate student at who says she and her boyfriend have significant student loan debt, was among the thousands of pro-testers on the bridge. She said a friend persuaded her to join the march and she’s glad she did.”

I would be glad also. Who wants to add a $200 charge for ‘loitering’ while exercising your right to assembly to significant student debt?

“I don’t think we’re asking for much, just to wake up every morning not worrying whether

we can pay the rent, or whether our next meal will be rice and beans again,” Larkins wrote in an email to The Associated Press. “No one is expecting immediate change. I think every-one is just hopeful that people will wake up a bit and realize that the more we speak up, the more the people that do have the authority to make changes in this world listen.”

Several videos taken of the event show a confusing, chaotic scene. Some show protesters screaming obscenities at police and taking a hat from one of the officers. Others show police struggling with people who refuse to get up. Nearby, a couple posed for wedding pictures on the bridge.

“We were supposed to go up the pedestrian roadway,” said Rob-ert Cammiso, a 48-year-old student from Brooklyn told the Daily News. “There was a huge funnel, a bottleneck, and we couldn’t fit. People jumped from the walkway onto the road-way. We thought the roadway was open to us.”Earlier Saturday, thousands who joined two other marches crossed the Brooklyn Bridge without problems. One was from Brooklyn to Manhattan by a group opposed to genetically mod-ified food. Another in the opposite direction marched against poverty organized by United Way.

Elsewhere in the U.S. on Saturday, protesters assembled in Al-buquerque, N.M., Boston and Los Angeles to express their soli-darity with the movement in New York, though their demands remain unclear. Occupy Wall Street demonstrators have been camped in Zuccotti Park and have clashed with police on ear-lier occasions. Mostly, the protests have been peaceful, and the movement has shown no signs of losing steam. Celebrities including Michael Moore and Susan Sarandon made recent stops to encourage the group.

During the length of the protest, turnout has varied, but the numbers have reached as high as about a few thousand. A core group of about two hundred people remain camped through-out the week. They sleep on air mattresses, use Mac laptops and play drums. They go to the bathroom at the local McDon-ald’s. A few times a day, they march down to Wall Street, yelling, “This is what democracy looks like!”

There has been a growing swell of coverage in mainstream media, but there has been loud com-plaining the cause hasn’t been championed fast enough -- or in the way protesters want.

Misinformation has added to the confusion. For instance, a rumor sprang up on Twitter that the New York Police Department wanted to use tear gas on protesters -- a crowd-control tactic the department doesn’t use. The claim was eventually retracted, one of several such retrac-tions over the past several days. On Friday, a message said Radiohead would be performing in

solidarity for the cause, but the band’s management said it wasn’t playing.

Earlier clashes with police have resulted in about 100 arrests. Most were for disorderly con-duct. Many were the subject of homemade videos posted online.

One video surfaced of a group of girls shot with pepper spray by NYPD Deputy Inspector An-thony Bologna. The woman claimed they were abused and demanded the officer resign, and the video has been the subject of several news articles and commentary. Police Commissioner

Raymond Kelly said internal affairs would look into whether Bologna acted im-properly and has also said the video doesn’t show “tumultuous” behavior by the protesters.

A real estate firm that owns Zuccotti Park, the private plaza off Broadway oc-cupied by the protesters, has expressed concerns about conditions there, saying in a statement that it hopes to work with the city to restore the park “to its in-tended purpose.” But it’s not clear whether legal action will be taken, and police say there are no plans to try to remove anyone.

Seasoned activists said the ad-hoc protest could prove to be a training ground for future organizers of larger and more cohesive demonstrations, or motivate those on the sidelines to speak out against injustices.

“You may not get much, or any of these things on the first go-around,” said the Rev. Herbert Daughtry, a longtime civil rights activist who has participated in protests for decades. “But it’s the long haul that matters.”

“I don’t think we’re asking for

much, just to wake up every

morning not worrying whether

we can pay the rent, or whether

our next meal will be

rice and beans again ...”

Occupy handbook 2a

Business

Transcript of Occupy handbook 2a