Sunday, February 28, 2010

No big waves in Hawaii from Chile quake

A tsunami triggered by the Chilean earthquake raced across the Pacific Ocean Saturday, but the waves that rolled ashore in Hawaii were barely noticeable.

Scientists had predicted a tidal surge up to 9 feet on some Hawaiian shores, but that did not appear to be materializing at 4:40 p.m. Scientists say ocean gauges confirm the tsunami has reached Hawaii, however.

The first waves were to have struck Hilo, on the Big Island, at about 4:05, and the Honolulu area at about 4:37, but multiple news agencies were broadcasting televised images of abandoned, placid beaches. Local radio reported small changes in water levels, but that could be attributed to an incoming tide.

Other Pacific Islands saw surges of 6 to 7 feet, but major damage has not been reported.

Scientists warn the waves will be arriving for several hours, and sea levels could continue to rise.

Tsunami watch at Waikiki Beach

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The 'Jersey Girls' Support Architects and Engineers for 9/11 Truth

"The Jersey Girls" support AE911Truth efforts!
— Editor

We're proud to have the endorsement of The Jersey Girls, who single handedly forced the Bush Administration to convene the 9/11 Commission after one year of inaction following the attacks of September 11

Architects & Engineers for 9/11 Truth is proud to be working for and on behalf of the 9/11 victims' family members, in particular The Jersey Girls. We recommend "9/11 Press for Truth", which is the story of the Jersey Girls and their struggle for the truth.

We are pleased that Patty and Lorie have signed our petition. We have also received signatures from Josef Princiotta, Manny Badillo, Bob McIlvaine, Ellen Mariani. Let us know if there are any of them we are not listing here!

We have taken a lot of criticism from so called debunkers & unconscious government officials that our work is "upsetting the family members". Let it be clear that only the truth about the deaths of these innocent people will bring healing to their loved ones. AE911Truth has ever increasing support from them to reveal the truth to the American people.

February 25, 2010

We must applaud Mr. Richard Gage and his colleagues, Architects and Engineers for 9/11 Truth, for their tenacity in seeking to answer lingering questions concerning the total destruction of the World Trade Center complex, in particular buildings 1, 2 and 7.

As with any scientific report, conclusions must be able to be replicated and verified by subsequent public peer reviews. Mr. Gage and his colleagues have attempted to do just that with NIST's Final Report of the Collapse of the WTC. There seem to be discrepancies and omissions in NIST's conclusions, which Mr. Gage and his colleagues have brought to light.

With their combined professional training and work experience, this group of professionals is uniquely qualified to address the myriad oddities resulting in the collapse of the WTC high-rise buildings - including WTC 7, which was not hit by an airplane. This chosen course of action by the Architects and Engineers for 9/11 Truth, has often come at a high cost to them personally and professionally making this endeavor all the more admirable.

As family members of 9/11 victims, we have been seeking truth and transparency since 200l. Almost nine years later, in spite of the NIST Investigation and the 9/11 Independent Commission, a vast majority of our questions remain unanswered.

It was always our hope that both of these government investigations would uncover the cause of the WTC destruction and any loopholes or lapses in security protocols that could be remedied to protect us in the future. In this case, it was of utmost importance to determine what actually caused the collapses to ensure the future safety of high-rise buildings. Since the government failed to do that, we applaud Mr. Richard Gage and the many other professionals who are spending their own time attempting to seek the truth.


Patty Casazza
Lorie Van Auken
Mindy Kleinberg
Monica Gabrielle

Let’s Cut the Crap - We Are in a Depression Right Now

Karl Denninger of the Market Ticker asks How Long Before You Wake Up, Politicos?

So let’s cut the crap - we are in a Depression right now. We are pretending we are not, just like you can pretend you didn’t really lose your job so long as your credit card does not reach its limit. We have been in that depression for about 18 months and there is no evidence that we will exit it, as we have yet to find a way to pull back the deficit spending without an instantaneous collapse in the economy.

Yet at some point we must and will stop. We will either do so of our own volition, or we will do so when the cost of borrowing skyrockets, as others get tired of funding our profligacy. If we attempt to “print” our way out of it the cost of petroleum products will shoot the moon and destroy our economy anyway.

You haven’t seen the half of what happened though - not yet. It appears that AIG - the company we have bailed out (thus far) to the tune of some $100 billion plus, in fact isn’t done. It appears they may have written credit protection on Greece. If this allegation by the German equivalent to The New York Times is true Americans are going to be asked to pay billions of dollars - or more likely, hundreds of billions (since Greece is almost certainly not the only place - try Spain, Portugal, Ireland, etc) to bail out a bunch of FOREIGN NATIONS.

Do you both think Americans can and will pay that bill? A bill that has been forced on us, and yet benefits not The United States economy, but foreigners?

Wars - big wars - start over much less, my friends.

The PIIGS’ exposure (Portugal, Italy, Ireland, Greece, Spain) is somewhere in the area of $3 Trillion. Did AIG et. al. write credit protection on Greece and the rest of the PIIGS? If so, get ready for more printing, or will our government stand up and finally say that we are no longer going to bail out the TBTF’s? According to Ben Bernanke, we will no longer monetize debt, but does that mean the Federal Reserve will not use other methods to bail out big banks or insurance companies who backed bad debt?

If we have to print trillions more to bailout out foreign banks and countries, it will not bode well at home. According to Denninger:

To the politicians who are reading this, your Thorazine dosage needs adjustment as well. The math is irrefutable. If, in point of fact, AIG has entangled itself with the European Continent there is no escape from what is to come. There is only destruction, and our only two choices are to cause as much of it as we can to occur there, by pulling the plug on these clowns now, or risk a literal World War. We may get one anyway, but if we bring the bulk of the damage here we’ll be dealing with a civil collapse at the same time, and have no chance of being able to deal with the geopolitical implications. We must not allow that to happen. You must not allow that to happen.

It’s time to stop. Not because you want to, not because you fear us (even though you should - after all, we’re your employers and can fire you) but because if you don’t there won’t be a nation worth governing left. You know who the crooks are - including those among you.

As we come closer to what many believe will end with a total collapse of our economic system, analysts and bloggers have been writing more and more about the response of federal and local law enforcement in the event of civil unrest and lawlessness. Mr. Denninger suggests that when it really hits the fan, federal law enforcement will not come to the aid of their local colleagues:

If it gets bad, and I believe both history and the math says it will, who’s going to help you? Do you really think the entirety of the 150,000 Federal Officers will come to your aid? Or will they sit in Washington DC and in their big black Suburbans (armored, of course) issuing orders for you to go into the streets in your (unarmored) Crown Vics and die in their place? Remember that the “bad guys” in such a circumstance outnumber you 10 or even 20:1 and not only are they probably armed as well as you are, they’ve actually shot - offensively - at other human beings. Unless you’re one of the “bad cops” you’ve never done that, and few of you have had to fire in self-defense. Your only realistic advantage in such a situation is that most of the gangbangers are pretty poor marksman.

Do not underestimate the power of panic, especially if local law enforcement personnel choose to head home to protect their own families if the SHTF.

Karl Denninger discusses a host of issues related to the financial crisis, domestic law enforcement, and the coming fallout in his article How Long Before You Wake Up, Politicos? and we highly recommend you give it a read in its entirety.

Author: Mac Slavo

New Study Shows Money Has Tightened Despite Fed’s Efforts

Conditions in the credit markets have not recovered from the crisis and are beginning to tighten again. Because the Obama administration and officials at the Federal Reserve and Treasury have been lying to the public about a recovery in the economy, the Fed has begun a campaign to withdraw liquidity and the extraordinary support from the system. If Bernanke continues down this path, it will lead to a catastrophe.

The study also disproves the claim by Paulson, Bernanke, Bush, Geithner, Summers, Obama et al, that pumping hundreds of billions of dollars into the Wall Street banks was necessary to assure the free flow of credit to businesses and consumers. This trickle down theory was always a lie, as was postulated on this blog at the time. The real goal of the TARP and the Federal Reserve's extraordinary measures was enrich Wall Street executives and to assure that they had the funding to ride out the credit contraction which will take years to unwind.

The underlying problem is that because the clowns in charge have no desire to prosecute the criminals and cleanse the system, no reforms have been undertaken. Instead, their efforts have been misdirected at restarting the fraudulent system.

Buckle up. While it is not possible to forecast exactly when things will turn ugly again, the back half of the storm is approaching. By attempting to paper over the problems and by protecting their friends and donors, our "leaders" have set us up for a socio-political crisis that may take down our way of life. The debt will bring us down financially and the lies of the politicians will destroy the social fabric of society.



The Federal Reserve has pushed short-term interest rates to near zero, flooded the financial system with loans and committed to purchase more than $1.7 trillion of mortgage and Treasury securities to restart a financial system devastated by the debt crisis. After all that, however, financial conditions tightened a bit at the end of 2009, according to a new study produced by a collection of Wall Street and academic researchers.

The reason is that even with exceptionally low interest rates, capital markets aren’t humming and bank lending is weak. One example: Issuance of asset backed securities — which are securities backed by auto loans or credit card debt — was a scant $28.7 billion in the fourth quarter, down from $51.1 billion in the third quarter and $50.1 billion in the second. Levels of commercial paper — the short-term credit many companies used to fund themselves before the financial crisis — were also soft, with outstanding paper at $1.1 trillion at the end of January, compared to $1.3 trillion in September.

One of the most important drivers of the economists’ financial conditions index was the asset-backed securities markets, where commercial real estate loans, car loans and many other kinds of bank loans were financed during the credit boom. Loans in this market are packaged into securities and sold to investors around the world. In 2006, issuance of asset backed securities — not include residential mortgage backed securities — topped $700 billion, according to the Securities Industry and Financial Markets Association. It was $168 billion last year.

The Federal Reserve has expended huge amounts of energy trying to restart this market, with the creation of a program called the Term Asset-backed Securities Loan Facility, or TALF, which provides cheap, nonrecourse funding to investors who buy these securities. Issuance of the securities perked up after the program was launched last March, but the market remains highly impaired. One problem: Many investors have become less trustful of credit ratings attached to the securities after the bust. Many individuals and firms also remain reluctant to take on more debt.

A similar pattern is showing up in the “repo” loan market, where many securities brokerages and banks funded themselves before the financial crisis hit. In this market, a financial firm uses its securities holdings as collateral for short-term loans, which help it to fund its activities. Panics in this market in 2008 helped to drive firms like Bear Stearns and Lehman Brothers to the brink. The market picked up a bit last year, but at $1.338 trillion in the third quarter, was still less than three-fifths its size in 2007. That also held down the economists’ index. Broader measures of money growth are also soft. M2, a measure of deposits in the banking system and money market funds, contracted at a 0.9% annual rate in the three months through January, according to Fed data.

On the Edge with Max Keiser - 26 February 2010 (2/3)

Click this link ......

Absolute Proof Most Jews Are Not ‘True Jews’

The 13th Tribe’ by Arthur Koestler (suicided by Mossad) explains the creation of the European Khazar/Ashkenazi Jews who are descended from Huns, not semitic peoples.

Arthur Koestler and his wife were killed by Mossad shortly after releasing this book. As expected, The Thirteenth Tribe caused a stir when published in 1976, since it demolishes ancient racial and ethnic dogmas. At the height of the controversy in 1983, the lifeless bodies of Arthur Koestler and his wife were found in their London home. Despite significant inconsistencies, the police ruled their death a suicide. Another Mossad ’suicide’…

The Thirteenth Tribe

By Arthur Koestler

This book traces the history of the ancient Khazar Empire, a major but almost forgotten power in Eastern Europe, which in the Dark Ages became converted to Judaism. Khazaria was finally wiped out by the forces of Genghis Khan, but evidence indicates that the Khazars themselves migrated to Poland and formed the cradle of Western Jewry. . .
The Khazars‘ sway extended from the Black Sea to the Caspian, from the Caucasus to the Volga, and they were instrumental in stopping the Muslim onslaught against Byzantium, the eastern jaw of the gigantic pincer movement that in the West swept across northern Africa and into Spain.
In the second part of this book, “The Heritage,” Mr. Koestler speculates about the ultimate faith of the Khazars and their impact on the racial composition and social heritage of modern Jewry. He produces a large body of meticulously detailed research in support of a theory that sounds all the more convincing for the restraint with which it is advanced. Yet should this theory be confirmed, the term “anti-Semitism” would become void of meaning, since, as Mr. Koestler writes, it is based “on a misapprehension shared by both the killers and their victims. The story of the Khazar Empire, as it slowly emerges from the past, begins to look like the most cruel hoax which history has ever perpetrated.”

ISBN 0-394-40284-7
Where do the Ashkenazi Jews come from?

The Thirteenth Tribe
The Khazar Empire and its Heritage
By Arthur Koestler
This book traces the history of the ancient Khazar Empire, a major but almost forgotten power in Eastern Europe, which in A.D. 740 converted to Judaism. Khazaria, a conglomerate of Aryan Turkic tribes, was finally wiped out by the forces of Genghis Khan, but evidence indicates that the Khazars themselves migrated to Poland and formed the craddle of Western (Ashkenazim) Jewry…

The Khazars’ sway extended from the Black sea to the Caspian, from the Caucasus to the Volga, and they were instrumental in stopping the Muslim onslaught against Byzantium, the eastern jaw of the gigantic pincer movement that in the West swept across northern Africa and into Spain.

Thereafter the Khazars found themselves in a precarious position between the two major world powers: the Eastern Roman Empire in Byzantium and the triumphant followers of Mohammed. As
Arthur Koestler points out, the Khazars were the Third World of their day, and they chose a surprising method of resisting both the Western pressure to become Christian and the Eastern to adopt Islam. Rejecting both, they converted to Judaism.

The second part of Mr. Koestler’s book deals with the Khazar migration to Polish and Lithuanian territories, caused by the Mongol onslaught, and their impact on the racial composition and social heritage of modern Jewry. He produces a large body of meticulously detailed research in support of a theory that sounds all the more convincing for the restraint with which it is advanced.

Mr. Koestler concludes: “The evidence presented in the previous chapters adds up to a strong case in favour of those modern historians – whether Austrian, Israeli or Polish – who, independently from each other, have argued that the bulk of modern Jewry is not of Palestinian, but of Caucasian origin. The mainstream of Jewish migrations did not flow from the Mediterranean across France and Germany to the east and then back again. The stream moved in a consistently westerly direction, from the Caucasus through the Ukraine into Poland and thence into Central Europe. When that unprecedented mass settlement in Poland came into being, there were simply not enough Jews around in the west to account for it, while in the east a whole nation was on the move to new frontiers” (
page 179,page 180).

“The Jews of our times fall into two main divisions: Sephardim and Ashkenazim.

The Sephardim are descendants of the Jews who since antiquity had lived in Spain (in Hebrew Sepharad) until they were expelled at the end of the fifteenth century and settled in the countries bordering the Mediterranean, the Balkans, and to a lesser extent in Western Europe. They spoke a Spanish-Hebrew dialect, Ladino, and preserved their own traditions and religious rites. In the 1960s, the number of Sephardim was estimated at 500,000.

The Ashkenazim, at the same period, numbered about eleven million. Thus, in common parlance, Jew is practically synonymous with Ashkenazi Jew.” (
page 181).
In Mr. Koestler’s own words, “The story of the Khazar Empire, as it slowly emerges from the past, begins to look like the most cruel hoax which history has ever perpetrated.”
The history of the Ashkenazi Jews was widely known and appreciated in the former Soviet Union. Ashkenazi militants traced the area where the Turkic Khazars originated before their migration to Southern Russia to Birobidjan, an Eastern Siberian area as big as Switzerland bordered by the Amur river, by China and Mongolia. Around 1928 they started building settlements with the Soviet government’s help and in 1934 the Autonomous Republic (Okrug) of Birobidjan Yevrei came into being with official languages of Yiddish and Russian. It is still there as an Autonomous Republic to this day, offering the only historically legitimate settlement area for Ashkenazi Jews willing to exercise their “right to return”…

Mr. Koestler was an Ashkenazi Jew and took pride in his Khazar ancestry. He was also a very talented and successful writer who published over 25 novels and essays. His most successful book, Darkness at Noon, was translated in thirty-three languages.

As expected, The Thirteenth Tribe caused a stir when published in 1976, since it demolishes ancient racial and ethnic dogmas…At the height of the controversy in 1983, the lifeless bodies of Arthur Koestler and his wife were found in their London home. Despite significant inconsistencies, the police ruled their death a suicide…Another Mossad “suicide”!

Map of the Khazar Empire
The Lord’s Prayer in the Khazar language

Rise and Fall of the Khazars




What the Critics have to say
** Finally Available To ALL – Absolute Historical Proof that Jews are not Israelites.
** Research Proves “Jews” are non-Israelite Asiatics.
** DATELINE U.S.A. (1977) — In 1976 Random House published a book that should have hit the Christian Churches like a blockbuster, but instead they chose totally to ignore it. It dealt with the racial origin of the people in Communist and Christian countries who call themselves “Jews,” and whom the Churches (and the Jews themselves) generally insist are “God’s Chosen People,” the Israelite descendants of Abraham. Since the late 1800’s a small number of Bible Scholars, who were also students of History and Racial origins, have insisted the Church denominations were wrong; that instead of being Israelites, these Jews from Eastern Europe and Western Asia were descended from Mongolians and other Asiatic peoples who had adopted Judaism as their “religion” over 1,000 years ago and had become know as “Jews.” These Bible scholars were ignored or condemned, and often called “cultists” or “anti-Semites.”
** Now, after many years of research, a well-known Jewish author, Arthur Koestler has published a 255 page book titled THE THIRTEENTH TRIBE in which he proves the same point; i.e. that these Eastern European “Jews” are neither Israelites nor “Semites,” but are insteadKhazars, Mongols, and Huns! Most major newspapers and magazines reviewed the book during 1976. Also, Random House, the publisher, advertised it extensively and began some of their ads with the following headline: WHAT IF MOST JEWS AREN’T REALLY SEMITES AT ALL? In addition, Random House quoted the following reviews:
** “Mr. Koestler’s excellent book…Is as readable as it is thought-provoking. Nothing could be more stimulating than the skill, elegance and erudition with which he marshals his facts and develops his theories…” Fitzroy Maclean, New York Times Book Review.
** “You do not have to be Jewish to be interested… Are today’s Western Jews really ethnic, Semitic, Biblical Jews, or are most of them descendants of converted Khazars?…This compact, interesting book…examines tragic-ironic implications in [this question] for modern history…It should fascinate.” –Edmund Fuller, Wall Street Journal
** “Koestler marshals the evidence in a clear and convincing way. He tells a good story, pulling together materials from medieval Muslims and Jewish travelers, scholarly controversy and the mysterious lore of the Khazars.” –Raymond Sokolov, Newsweek
** Robert Kirsch of the Los Angeles Times stated in his lengthy review that ‘Arthur Koestler publicizes with his customary skills a daring hypothesis: that THE KHAZAR JEWS MIGRATED TO POLAND AND BECAME THE FOREBEARS OF EASTERN EUROPEAN JEWRY…’ Then Kirsch quoted Prof. A. N. Poliak of Tel Aviv University, who stated that “The large majority of world Jewry is descended from the Jews of Khazaria.” Then he again quoted Koestler in THE THIRTEENTH TRIBE, “If so, this would mean that their ancestors came not from the Jordan but from the Volga; not from Canaan but from the Caucasus, once believed to be the cradle of the Aryan race; and that GENETICALLY THEY ARE MORE RELATED TO THE HUN, UIGUR, AND MAGYAR TRIBES THAN TO THE SEED OF ABRAHAM, ISAAC, AND JACOB…” (emphasis added)
We cannot stress enough how absolutely imperative it is for all Christian Americans to consider the startling proof in Arthur Koestler’s book that today’s Jews are not Israelites. The Jewish influence on American life has reached such a stage that no student of contemporary history can ignore it. Not only the news media are Jewish monopolies, but top positions in the U.S. government are largely filled by Eastern European Jews. The magazine and book publishing houses are in Jewish hands; and movies, television, and the other entertainment industries are dominated by Jews in all phases. America’s government and most of her people’s sources of information are controlled and directed by Jews. If these people were really “God’s Chosen People,” perhaps Americans would have little cause for concern — BUT WHAT IF THEY ARE REALLY THE “HUNS” AND THEREFORE THE ANCIENT ENEMIES OF CHRISTENDOM? Since many Americans may not have an opportunity to read Koestler’s book, we shall herewith submit our own index-style review.
By Arthur Koestler

Random House
Reviewed by Pastor Sheldon Emry
Khazars adopt Judaism as their religion in A.D. 740.
Majority of Eastern European Jews are Khazar and Japhetic in origin, not Semitic. Refers to 1973 Jewish Encyclopedia and A. N. Poliak, Professor, Medieval Jewish History, Tel Aviv University.
Jews more closely related to Hun, Uigur, and Magyrs than to the seed of Abraham Isaac and Jacob.
Khazars exacted tribute from subject peoples.
Identified them with the hosts of Gog and Magog.
German word Ketzer is our word for Khazar and means heretic or Jew.
Khazars were with Attila the Hun in 4th century.
Some were phallic worshipers, killed anyone thought to be extra intelligent and called it an offering to god.
Quotes 1,000-year-old Arab historian, “The Khazars and their King are all Jews…some are of the opinion that Gog and Magog are theKhazars.”
Khazars were re-exporters of foreign goods, middlemen, inspectors of trade, goldsmiths, and silversmiths; and they exacted 10% tax on all trade.
Jews fled Rome and Greece to Khazaria to avoid forced conversion to Christianity. They adopted Islam when forced, repudiating it when safe.
Khazar King, in a letter, traced his people in Togarma and Japheth, the ancestors of all the Turkish tribes.
In A.D. 864 a monk wrote “there exists a people under the sky in regions where no Christians can be found, whose name is Gog and Magog, and who are Huns; among them is one called Gazari [Khazari?], who are circumcised and observe Judaism in its entirety.”
Russian communists tried to hide Khazar-Jewish connection!
History of breaking up of Khazar Empire and integration of these Jews into Russia, Poland, etc.
Khazar kingdom known as a kingdom of “Red” Jews.
Khazars joined Ghengis Khan and retained their Judaism.
Interchangeable names –Khazar, Zhid (or Yid), and Jew
Majority of Jews in Middle Ages were Khazars.
Jews were mintmasters, royal treasurers, tax collectors, and money lenders. Principal source of income was foreign trade and the levying of customs dues and they practiced communal life.
They lost the name of Khazars and became known as Jews. During Dark Ages commerce largely in Jewish hands, including slave trade.
During Crusades whole families and towns of Jews committed suicide rather than accept Christianity.
Proves only a handful of Sephardim Jews were in Europe so the vast majority of Jews today are Khazar in origin.
Gives origin of Yiddish language. It is NOT Hebrew!
“The Jewish dark ages may be said to begin with the Renaissance.” (Reviews comment: This remark by the Jew Cecil Roth, coupled with other information, is a sorrowful admission that the Jews were supreme in the Dark Ages but lost their dominion over Europe when the Light of God’s Word brought about the Renaissance!)
Quotes from many sources to prove Jews NOT descended from Biblical Israelites, ending with this, …evidence from anthropology concurs with history in refuting the popular belief in a Jewish race descended from the biblical tribe.
Refers to others who have written on the same subject.
Israeli’s right to exist…not based on…the mythological covenant of Abraham with God; it is based on international law — i.e., on the United Nations’ decision of 1947. . .
Koestler ends his book by saying he believes many Jews have learned of their Khazar ancestry and now reject the Chosen-Race doctrine.
THE THIRTEENTH TRIBE proves beyond doubt that modern Jews are not Biblical Israelites. Every church member in America should insist that his Pastor investigate these claims. Are our Jewish politicians, publishers, movie makers, and opinion molders God’s “Chosen People”? Or are they Mongol and Hun infiltrators of Christendom?
Is The Jews’ “Chosen People” Masquerade Finally Over?
Shortly after World War I, Henry Ford, founder of the Ford Motor Company, assembled a staff of experts in Detroit to conduct research on the European Jews who had been entering America in large numbers since the 1880’s. Ford provided the staff with several million dollars for this research, and in 1923 he published the results in a four-volume work titled “THE INTERNATIONAL JEW.” It was Henry Ford’s conclusion that very few of these people who called themselves “Jews” were descendants of the Bible Israelites. Ford further proved that these Jews, using all sorts of crimes while under the cloak of being the Chosen People of the Bible, were rapidly taking economic and political control of America. In the religious field, Ford claimed THE JEWS HAD SECRETLY GAINED CONTROL OF MOST PROTESTANT SEMINARIES AND CHRISTIAN BOOK- PUBLISHING HOUSES and had been able to remove almost all criticism of Jews from Christian literature.
In summing up his findings, Henry Ford stated, “The Jews are not the Chosen People, though practically the entire Church has succumbed to the propaganda which declares them to be so.” Ford’s book caused a furor for a few years but soon disappeared from colleges, universities, and public libraries and became unobtainable at any price. The Churches continued to teach “The Jews are God’s Chosen People, Israel,” and the (by then) Jewish-dominated news media began to refer to Jews always as Israelites. Anyone opposing the increasing Jewish control of the nations was immediately branded “anti-Semitic;” and Jewish dominated Seminaries taught new ministers to quote Genesis 12:1-3 and sternly warn their flocks that anyone speaking unfavorably of the Jews would be “cursed by God.” Jewish control of American society, politics, and religions continued to increase.
In 1951 retired U.S. Military Intelligence Officer, Col. John Beaty, published a scholarly 265-page book IRON CURTAIN OVER AMERICA. In it Col. Beaty gave overwhelming evidence this strange Race of Eastern European “Jews” were actually Khazar and Mongol Asiatics and had no racial ancestory in Israel at all.
He then proved that by 1951 these “Jews” had a stranglehold on American politics, on Banking and Credit, on all sources of news, on the entertainment industry, on America’s education system, and that they were the predominant race as judges, lawyers, doctors, and in organized crime. The Jewish news media refused to review the book, Jewish book dealers refused to handle it, Christian book stores ignored it, and only a few thousand copies were distributed. Most Americans never heard of IRON CURTAIN OVER AMERICA. Now, because of renewed interest, both THE INTERNATIONAL JEW (in an abridged edition) and IRON CURTAIN OVER AMERICA have been reprinted and are available. (See ordering information below).
The latest, and perhaps the most succinct book on this subject, is ISRAEL’S $5 TRILLION DOLLAR SECRET by Col. Curtis B. Dall, former son-in-law of Franklin Delano Roosevelt, and a personal acquaintance of many high officials in the U.S. Govern ment since the 1930’s. Col. Dall lives and works in the Washington, D. C. area, and his book, published in 1977. Col. Dall proves again, from reliable sources, that the Jews are NOT Israelites. In fact, Col. Dall calls their masquerade as “Israel” the greatest “hoax” of the last centuries! It should be read by every non-Jew.
You now know their false identity as “Israel” protects these “Jews” from being exposed as aliens and as anti-Americans. Read the books below. Give this sheet to your Minister. Tell him to preach the truth – or resign! Most preaching today is based on the “Jew-Israel” myth, and it is false. “Fear them not therefore; for there is nothing covered that shall not be revealed: and hid, that shall not be known. What I tell you in darkness, that speak ye in light: and what ye hear in the ear, that preach ye on the housetops” (Jesus, in Matthew 10:26,27). 13trindx.htm

California Storm Damage


Subject: FW: CA Storm Watch 2004

With all the news on TV lately about the sub zero weather and snow that the East coast and upstate NY areas are experiencing, we shouldn't forget that Southern California has it's share of devastating weather also.

I've attached a photo illustrating the excessive damage caused to a home from a west coast storm that passed through the Los Angeles area a couple of days ago.

It really makes you cherish what you have, and reminds us not to take life for granted!

The U.S. Personal Income Tax: It Goes to The Family Rothschild

The more people like me speak out about this, the more will scratch their heads and go, “No way!” or “You’re an idiot, Garner!” or, worst of all, “You’re not an American!”

I’ve heard this crap before, and it always comes from ignorant souls who just don’t understand how the political and economic systems work in the western world.

After more than 30 years of anecdotal research, connecting thousands of dots across an endless sky, a distinct pattern begins to emerge, something I’ll share a bit with you here. First, there’re other brave souls out there who also have researched this contentious topic, and have drawn similar conclusions. And we’ve all done so independently, which makes our conclusions all the more striking. I’ve said this before and it bears repeating: the evil family Rothschild, which controls what I term The First Sphere of Influence in the western world, hides in plain sight. They even flaunt their wealth and control and power over us with such arrogance and contempt that it cannot be ignored, even by like-minded people as they.

Where shall I start?

The U.S. income tax was a long sought-after tax the Rothschilds had attempted to bring on since the late 1770s, but it was strongly resisted by Thomas Jefferson, Ben Franklin, James Madison and John Adams, among other less-known (to contemporary audiences) American Patriots. It wasn’t until 1913 that Senator Nelson Aldrich and his fascist “American Rothschilds” managed to sneak through a bill, during the winter break of the House of Representatives, that imposed a formal personal income tax on all Americans.

Our notion that our personal income taxes go to paying for our country’s infrastructure, social services, military, etc. is inaccurate, to say the least. Our personal income taxes first are collected by the US Treasury via the Internal Revenue Service, which sends the funds to the Federal Reserve, which is NOT a federal bank of any sort. The privately owned Federal Reserve, which is owned by the Rothschilds and, to a smaller extent, other banking families, then sends our tax dollars to its own Bank of England, which is located in the sovereign area of London called The City of London. Interestingly, The City of London has its own laws, security forces and military, completely independent of the rest of London and the entire United Kingdom. It is considered the most elite banking and economic center in the western world.

The Bank of England, again, owned by the Rothschilds, sends our tax dollars to other central banks, all privately owned, and located in Europe.

Why do we even pay this illegal personal income tax, when our own government can operate without it?

Because our government borrows heavily from the Rothschilds and must pay interest on these loans. Our personal income tax offsets these interest payments. All usurious, of course. And all illegal.

In the coming months, I’ll share more with you. I realize that this information is hard to take, given we’ve been raised on the notion that we live in a free and democratic society, and our hard-earned money goes toward our benevolent US government.

In effect, my fellow Americans, it is all a lie.

The good news is that these bare facts are now more visible than ever and, with sufficient time and effort, people like me will get this word out. We have already seen the power of the American people against the healthcare reform bills: a stunning backlash against the Brzezinski Cartel and The First Sphere of Influence.

Backlashes like we’re seeing now are just the beginning of a new American Revolution, one that we actually win. This time.

More to follow. . . .

Peter Schiff slams Dave Ramsey's and speaks about Gold

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Ron Paul - sound money essential to limited government

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Mysterious Deaths of 911 Witnesses (MUST SEE)

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This seems to be a never ending saga…. it’s obvious that sex is a great attention getter….

Plans are even underway to release a second video within the next few days. I’m not sure if it is the zionist campaign or those of us that find it vile that is responsible for that…

Israelis Prove That Size Doesn’t Matter


If sex truly sells, then the Canadian Council for Israel and Jewish Advocacy just boosted tourism in Israel. In conjuction with the Israel consulate in Toronto, CIJA recently released a 54-second spot as part of the Size Doesn’t Matter campaign, which aims to entice Canadian university students to visit the Middle Eastern country. The ad depicts a couple in bed, with the woman looking at the man’s crotch saying she can’t go there because “it’s too small.” The man replies, “I consider this a spot of worship. It may be small, but it’s brought the driest places to life. Baby, this is paradise.” The camera then pans to Israel maps and pocket guides placed strategically on the man’s lower body parts.

The video attempts to promote the more attractive side of Israel, but not everyone seem to be pleased. Jewish blogger Richard Silverstein thinks the ad was made in “bad taste” and says it ignores the cultural complexities any tourist will discover while visiting Israel. He says, “I’m simply flabbergasted that Israel would use the promise of fellatio and cunnilingus to promote itself.”

Writer Neal Ungerleider, who is based in New York but spent a good amount of time in Israel, believes the ad was humourous but completely missed the mark in promoting the country itself. He says, “It is hard to believe even a single viewer will show interest in visiting Israel or have a higher opinion of Israel because of the ad. As even a first year employee at an advertising agency will tell you, associating your country with small genitalia isn’t the smartest move to attract tourism.”

This is not the first time, however, that Israeli governing bodies have opted for sex-themed promotional material. In 2007, four bikini-clad women from the Israel Defense Forces posed in sexy army-wear for Maxim magazine’s July issue. David Saranga, consul for media and public affairs in New York, said to the New York Post that the spread was supposed to improve the image of Israel among men aged 18-38 years old. But the Maxim photos received a lot of backlash from critics and even Israeli female legislators who found the images to be pornographic. Fast forward to present times and Israel promotions continue to stir controversy with the Size Doesn’t Matter campaign.

Shalom Life made an attempt to contact the CIJA for comment, however no one was available. But since then, Shalom Life has gotten in touch with Maya Kadosh, spokesperson at the Ministry of Foreign Affairs in Jerusalem. Despite previous notions, Kadosh said that a conversation with the Israeli consulate in Toronto “indicated that the Consulate had no part in the movie, did not initiate it and did not participate in its planning or its distribution.”

Rebecca Cherniak, coordinator of the campaign and chair of Israel affairs for the Canadian Federation of Jewish Students also confirms that Size Doesn’t Matter is an initiative strictly run by students, not by CIJA. She said that they have not been in contact with any Israeli ministers or diplomats. Cherniak also clears up that the video was meant to change students’ views of Israel or perhaps know more about it. “We were very dismayed by the way that Israel is represented in the media,” she says. “We think students are more critical and want to understand more than the typical slogans they see. We put together a campaign that grabs people’s attentions.”

Since its release four days ago, the video has received 11, 000 clicks and the website has recorded 4,000 hits in the same amount of time. As for the controversy behind the video’s sexual content, Cherniak thinks people are taking it too seriously. She emphasizes that the demographic of the video was not meant to be religious groups. “It’s for the 80 per cent of students who have no connection with the Middle East and who don’t even know where Israel is on the map,” Cherniak says, “I think the majority of students are comfortable with that level of sexuality.”

The Size Doesn’t Matter video will premiere at various events in 20 different Canadian universities. CFJS also plans to release a second video within the next few days. For more information, visit

tv de chile Live earthquake coverage from Chile

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Death toll reaches 78 in Chilean quake as scientists issue tsunami warning

At least 78 people have died and large parts of South America have been put on tsunami alert after one of the biggest earthquakes in modern times struck southern Chile.

Locals take to the streets of Santiago after an earthquake of 8.8 on the Ritcher scale hit Chile

The quake, registered at magnitude 8.8 on the Richter scale, caused buildings and bridges to collapse and led to power-black outs in parts of the Chilean capital, Santiago, 200 miles from the epicentre.

British experts said a tsunami was now radiating from the epicentre towards Hawaii and other settlements on the Pacific Ring of Fire. The tsunami's ferocity is not yet known.

Images broadcast on television in Chile showed debris had broken off buildings in Santiago and crashed into the streets below, as the city was plunged into darkness by power failures.

Thousands of people fled their homes when the earthquake struck at 3.34am local time, gathering in the streets with many still clothed in pyjamas. Images showed a road bridge that had collapsed trapping cars beneath it.

The major quake lasted one minute and was swiftly followed by a series of aftershocks ranging from 5.6 to 6.9 on the magnitude scale.

Chilean President Michelle Bachelet confirmed that at least 47 people had lost their lives.

An emergency official later raised the toll to 52. Five of the victims died in the Maule region and one in Araucania, in the south of Chile.

“But with the quake of this magnitude, we cannot rule out other casualties," Bachelet said.

One man told local a television news channel in the city of Temuco: "Never in my life have I experienced a quake like this, it's like the end of the world."

Dr Brian Baptie, the British Geological Survey's Head of Seismology, said: "This is largest earthquake to strike central Chile since a magnitude 6.7 earthquake in 2001.

"A 1.3 metre tsunami wave was observed at Valparaiso, 200 kilometres north of the epicentre about 20 minutes after the earthquake.

"Tsunami waves in the deep ocean travel about the same speed as a jet plane and would take about 15 hours to reach Hawaii and about 20 hours to reach the other side of the Pacific."

Dr David Rothery, from the Open University's Department of Earth and Environmental Sciences, said: "This morning's magnitude 8.8 earthquake close to the Chilean coast has caused a tsunami that is now radiating away from the epicentre and travelling at several hundred kilometres per hour across the Pacific ocean.

"The first waves are expected ot Hawaii at 11:19 Hawaii Standard Time but are also travelling along the South America coast and will reach Colombia and Costa Rica after 1300 GMT.

He added: "A magnitude 8 quake is a rare event. On average there is only about one of these per year globally."

The US Pacific Tsunami warning centre issued a tsunami warning for Chile and Peru, and a tsunami watch for its regional neighbors Ecuador, Colombia, Antarctica, all of Central America and French Polynesia.

The US Pacific Tsunami warning center issued a tsunami warning for Chile and Peru, and a tsunami watch for Ecuador, Colombia, Antarctica, all of Central America and French Polynesia.

Japan's meteorological agency warned of a tsunami risk across large areas of the Pacific, as far away as the Antarctic, and in the Philippines officials warned low-lying coastal areas to prepare for a possible evacuation.

The earthquake struck 60 miles north-west of the Chilean town of Chillan, a spokesman for the US Geological Survey said, and 70 miles north-east of Concepcion, a city of about a million people.

Concepcion is likely to be the most severely affected city and there were radio reports of collapsed churches and other damage.

Teams of firefighters and police marched through the streets of Santiago urging calm and issuing instructions through megaphones.

Initial reports indicate that the quake could be felt across Chile and also sent tremors to several provinces in central Argentina including parts of the capital, Buenos Aires, 1,000 miles away from the epicentre.

In 1960, Chile was hit by the world's biggest earthquake since records dating back to 1900.

In that disaster, a 9.5 magnitude quake devastated the south-central city of Valdivia, killing 1,655 people and sending a tsunami which battered Easter Island and continued as far as Hawaii, Japan and the Philippines.

Today's magnitude 8.8 quake is classified as a "great" earthquake that can cause "tremendous damage," according to the US Geological Survey.

The earthquake that devastated Haiti's capital Port-au-Prince on January 12 was rated at magnitude 7.0, while the one that struck Indonesia on Boxing Day 2004 measured magnitude 9.2.

Hawaii Under Tsunami Warning

Hawaii braced Saturday for a potentially damaging tsunami, after a massive earthquake off Chile sent waves across the Pacific Ocean.

Japan Meteorological Agency's official Yasuo Sekita discusses supposed impact of tsunami triggered... Expand
More Photos

The Pacific Tsunami Warning Center issued a tsunami warning — its highest alert — for Hawaii, where incoming waves could cause damage along the coastlines across the island chain. A warning was also in effect for Guam, American Samoa and dozens of other Pacific islands.

The first waves were expected to arrive in Hawaii at 11:19 a.m. Saturday (4:19 p.m. EST).

A lower-grade tsunami advisory was in effect for the coast of California and an Alaskan coastal area from Kodiak to Attu islands. Authorities in Australia did not issue a warning, but asked residents to stay away from the coast.

The Ewa Beach, Hawaii-based center called for "urgent action to protect lives and property" in Hawaii, which is among 53 nations and territories subject to tsunami warnings.

10-degree Map Centered at 35°S,75°W

10-degree map showing recent earthquakes Legend with age and magnitude scale

The War on Terror Is Anti-Conservative

Why Real Conservatives Oppose the War on Terror

[This speech was part of a panel sponsored by the Future of Freedom Foundation, Campaign for Liberty and the Ladies of Liberty Alliance (LOLA) held on February 20th at the 2010 CPAC. The panel presentation was titled "Why Real Conservatives Are Against the War on Terror."]

Benjamin Franklin once observed that those who would trade their liberties for security will wind up losing both. James Madison stated that no nation can preserve freedom in the midst of perpetual warfare. Few can question that America's Founding Fathers epitomize true conservatism. There is something seriously wrong in America today precisely because the elites from both political parties have forgotten about Franklin and Madison and ignored their wise counsel.

No one should doubt that ill-conceived security measures and the greatly exaggerated fear of terrorism have driven much of both foreign and domestic policy since 9/11 -- it was undeniably a horrific experience for this nation, but it did not threaten the survival of the American Republic. Its perpetrators and their heirs do not do so today. Only we Americans can do that and we are doing so by overreacting to the danger and compromising our own liberties.

Conservatives should be the voice of reason. They should demand commensurate and realistic responses to genuine foreign and domestic threats rather than overkill, more bureaucracy, and lots of unneeded government pork. The government's creation of a no-fly list with one million names and a terrorist suspects list with nearly half a million entries exemplify that damage that has already been done. If there were even one per cent that many people in the US actually threatening terrorist acts there would be waves of bombings in the streets. That that has not taken place tells you that both the lists and the process used to compile them are essentially bogus.

The expression war on terror is meaningless. Terror is a tactic, it is not a foreign government or political movement. To use the expression a "terrorist group" is equally misleading as the groups which come in all shapes sizes and colors are essentially political and have frequently clearly defined political objectives even if they use terrorism to advance their agenda. In most cases, the groups we call terrorists seek to take over the government of the countries where they operate, replacing groups not dissimilar to themselves who are currently in charge.

Why is what we call something important, whether we use the expression "terrorist" or not? It is important because how you name and define something shapes how you think about it and how you respond to it. It frames the narrative. Instead of bumper sticker definitions, we should instead be asking whether international groups that use terror genuinely threaten either the United States or any vital national interest. If we were to undertake such an analysis, we would quickly learn that frequently the terrorist label is misleading.

The exploitation of fear of terrorism by those in government has led to wars that did not have to be fought. Fear has been the key to the door for expansion of government and government powers and the people in charge in Washington have seized the opportunity. It has also eroded the liberties that have defined us as a nation. To cite only one example, the position taken by the Obama Administration in early February that it is all right to assassinate American citizens overseas based on secret information, violates principles of due process and deprives every citizen of the constitutional right to defend himself before a jury consisting of his peers.

While government expanded, and because bureaucrats view the world in terms of institutions and power, America's leaders looked at the terrorism tactic and drew all the wrong conclusions, namely that those we call terrorists hated the United States for no rational reason and that there was a military solution that could be imposed to make the terrorists go away. The Washington elite confused America's ability to field a large army with something we call policy, in this case foreign policy, not understanding that using the military is a failure of foreign policy, not an alternative to it. The same officials and politicians also created a vast and ineffective homeland security bureaucracy, the domestic equivalent of an interventionist foreign policy, that has stripped many Americans of their fundamental liberties here at home. Predictably, the international situation has become even more unstable as a result of the enormous expansion of the security state. When meddling in the affairs of others began to produce bad results, the solution was more meddling, most recently in Somalia and Yemen, never looking at intervention itself as a possibly source of the instability and the terrorism.

Some of the numbers behind what has happened should appall every true conservative. The United States now spends nearly one trillion dollars every year on the military, homeland security, and intelligence. Much of the money is borrowed from China. If one assumes that there are something like 5,000 active terrorists in the world, and there are likely less than that, it works out to something like $200 million per terrorist per year every year. Fear of terrorism drives growth in government and has led to involvement in multiple little wars and some bigger ones as well as subsequent exercises in nation building, all of which have been unconstitutional, and none of which have turned out well. The so-called global war on terror, now referred to as overseas contingency operations, is without end and without limits, and has made the US hated and feared in most of the world, not respected. It has even made American citizens potential targets of their own government without any recourse to the protections afforded by the constitution.

And America's war against the world did not have to happen. There are real threats in the world against Americans and American interests, but military action in support of the national interest should only be a last option after every other step has been taken. And then there is the issue of blowback. Why is America the target of terrorists and suicide bombers? Surely not because it has freedoms that some view negatively. As Usama bin Laden put it, in possibly the only known joke made by a terrorist, if freedoms were the issue al-Qaeda would be attacking Sweden. Congressman Ron Paul, former CIA Bin Laden Task Force head Michael Scheurer, and numerous others have noted that America has become a target because it is involved militarily in so many countries, meddling in other people's business. As they put it, "They are over here because we are over there."

Above all, the American people should follow the money. It is fashionable to blame the Republican Party for many of our ills, but the war party in America is bipartisan. It is driven both by the lust for power and the good old fashioned profit motive. The current push to attack Iran has more Democrats behind it than Republicans and it is fully supported by a media that has been characterized as being largely liberal but which really shares the collectivist viewpoint and interests of the Washington elite. War is big business and it produces money and jobs for a lot of people, ranging from think tanks to defense contractors to congressmen and senior government officials who are looking for a nice income supplement when they retire. The American people must demand a change in that dynamic. Into the early fifties it was still possible for a traditional conservative Republican like Russell Kirk or Senator Robert Taft to object to America's growing global role without being labeled an isolationist or being ostracized by one's own political party. That changed as war became an engine driving the economy with a bit of pork sweetening the deal in every congressional district. Today, one might argue, that weapons are the only thing that the United States produces for which there is a worldwide demand. That is not only sad, it has been the undoing of the American Republic.

In short, real conservatives who believe in small government, fiscal responsibility, a rational foreign policy based on the national interest, and non-involvement in other people's quarrels should never support global wars on terror or global wars on anything. They should reject completely the insidious and absurd notion that Washington can intervene all over the world and not raise taxes to pay for the cost, handing our security over to the Chinese lenders and bankrupting our children and grandchildren. Some in Washington have already seen the folly of our present course and are speaking out. "The moral and constitutional obligations of our representatives in Washington are to protect our liberty, not coddle the world, precipitating no-win wars while bringing bankruptcy and economic turmoil to our people." Ron Paul said that in 2008 and it should be the rallying cry for a constitutionally based foreign and defense policy that truly benefits the American people.

Copyright © 2010 Phil Giraldi

Peter Schiff: Why US politicans will never have courage to repay debt

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Saturday, February 27, 2010

Man who broke the Bank of England, George Soros, 'at centre of hedge funds plot to cash in on fall of the euro'

A secretive group of Wall Street hedge fund bosses are said to be behind a plot to cash in on the decline of the euro.

Representatives of George Soros's investment business were among an all-star line up of Wall Street investors at an 'ideas dinner' at a private townhouse in Manhattan, according to reports.

A spokesman for Soros Fund Management said the legendary investor did not attend the dinner on February 8, but did not deny that his firm was represented.

At the dinner, the speculators are said to have argued that the euro is likely to plunge in value to parity with the dollar.

The single currency has been under enormous pressure because of Greece's debt crisis, plus financial worries in Portugal, Italy, Spain and Ireland.

But, it has also struggled because hedge funds have been placing huge bets on the currency's decline, which could make the speculators hundreds of millions of pounds.

The euro traded at $1.51 in December, but has since fallen to $1.34. Details of the secretive dinner emerged days after Mr Soros, chairman of Soros

Fund Management, warned in a newspaper article that the euro could 'fall apart' even if the European Union can agree a deal to shore up support for stricken Greece.

Mr Soros, who made more than $1billion by currency speculation when the pound was ejected from the Exchange Rate Mechanism on Black Wednesday in 1992, believes the structure of the euro is 'patently flawed'.


Hitting back: Greek PM George Papandreou blames 'speculators' for preying on the country's troubles

He said: 'Makeshift assistance should be enough for Greece, but that leaves Spain, Italy, Portugal and Ireland.

'Together they constitute too large a portion of euroland to be helped in this way.'

He believes that unless the European Commission is given sweeping powers over taxation and spending, the single currency will always be vulnerable to financial turbulence in individual states.

'If member countries cannot take the next steps forward, the euro may fall apart,' he added.

Last night, Greek prime minister George Papandreou hit back at the 'speculators' who he blames for preying on the country's troubles.

Following a visit by EU economic inspectors and experts from the International Monetary Fund, he told the country's parliament that the worst fears about Greece's economy had been confirmed.

Greece is desperate to restore the confidence of investors in its debt after revealing that the previous government understated its budget deficit by half.

Outlining the precarious nature of Greece's finances, Mr Papandreou said: 'There is only one dilemma: Will we let the country go bankrupt or will we react?

'Will we let the speculators strangle us, or will we take our fate in our own hands?'

The Greek leader also called for more help from the EU with its debt crisis. Until now, the EU has offered political support but no bailout.


With friends like this: The cover of the German magazine 'Focus' this week, which shows the Venus de Milo giving the finger by a headline accusing Greece of swindling its way into the euro


Row: Greek daily Eleftheros Typos ran this depiction of the statue of the goddess Victoria, atop the Siegessaeule in Berlin, holding a swastika earlier this week in reaction to the Focus cover

But a row is still festering between Berlin and Athens over the crisis.

cabinet chancellery

Tight spot: German Chancellor Angela Merkel said the situation was 'difficult'

A Greek consumer group called for a boycott of German goods today after a German magazine blasted the country as 'cheats.

The new trade war came as Angela Merkel admitted the euro is in 'a difficult situation' for the first time.

She spoke as German magazine Focus ran a cover image of the armless Venus de Milo somehow raising her middle finger under the headline 'Cheats in the euro family' to suggest that Greece deliberately misled EU peers to swindle its way into the euro.

The cover sparked outrage in Greece, prompting the demands for a boycott. A Greek newspaper has also hit back, running an image showing the statue of the goddess Victoria atop the Siegessaeule in Berlin holding a swastika.

'The falsification of a statue of Greek history, beauty and civilisation, from a time when there (in Germany) they were eating bananas on trees is impermissible and unforgivable,' a statement from the Consumer Institute (INKA) said.

'Greeks are no crooks, we want the German government to condemn this most improper publication,' said INKA president George Lakouritis.

'If you have such friends, what do you need enemies for?'

INKA distributed leaflets in central Athens and in front of German-owned consumer electronics store Media Markt, urging Greeks to heed the boycott.

Merkel's government has so far deflected appeals to promise aid to heavily indebted Greece. Opinion polls show that a majority of Germans oppose a bailout.

Germany's ambassador to Greece, Wolfgang Schultheiss, said yesterday he regretted that German press reports caused offence. 'Germany is firmly on Greece's side,' Schultheiss said after being summoned by Greece's parliament speaker Filippos Petsalnikos.

But it wasn't enough for Mr Lakouritis. 'The ambassador's statements were not satisfactory,' he said.

Yesterday Mrs Merkel admitted that Greece's debt crisis has plunged the euro into a ‘difficult situation'.

The admission from the leader of Europe's biggest economy prompted fresh fears about the collapse of the single currency.

In the gravest sign yet of the international threat posed by Greece’s crippling debt crisis, Mrs Merkel warned for the first time that the eurozone faces a ‘ dangerous’ period.

Documents Reveal Anthem Blue Cross Manipulated Data to Justify Massive Rate Hike

Internal documents show one of the country's largest for-profit health insurers, in an effort to maintain profits, manipulated data to justify a rate increase on individual premiums in California this year by as much as 39 percent.

At a closely watched Congressional hearing Wednesday, Rep. Henry Waxman, the Democratic chairman of the House Energy and Commerce Committee, blasted WellPoint Inc. executives for publicly stating that the country's economic turmoil and rising health care costs was the reason its Anthem Blue Cross subsidiary intended to move forward with a massive rate increase in California when the company's own documents say otherwise.

Waxman said the company "may have manipulated its actuarial assumptions to keep its medical loss ratio (MLR), a key measure reviewed by California regulators, 'flat.'"

"WellPoint says the rate increases are a result of medical inflation and healthier policyholders dropping coverage," Waxman (D-California) said. "But the thousands of pages of WellPoint documents we have reviewed tell another story ... WellPoint says that its rate increases have nothing to do with increasing company profits. But an internal company e-mail says that its rate increase would 'return CA to target profit of 7 percent.'"

The email Waxman referred to was sent October 7, 2009, by WellPoint executive Barry Shane to Cynthia Miller, the company's executive vice president, chief actuary and integration management officer. It says:

Re CA rate filing ... I will try to keep you better informed re: key increases. Average increase is 23 percent and is intended to return CA to target profit of 7 percent (vs 5 percent this year). Still have another 1-2 weeks of discussion before we get finalized. Also, this has been a collaborative rate development process [with another executive] and his team fully engaged and encouraging a higher rate increase (while being aware of the risk associated).


Last month, it was revealed that Anthem Blue Cross notified thousands of its 800,000 customers in California who hold individual plans that they would be affected by a rate hike as of March 1. The increase has been delayed by two months pending an independent review launched two weeks ago at the behest of California Insurance Commissioner Steve Poizner.

Poizner, a GOP gubernatorial candidate, said he "instructed" an outside actuary "to review the rates with a fine-tooth comb" to determine if the rate hikes are excessive and ensure that Anthem Blue Cross is spending 70 cents of every dollar on premium medical care as required by state law.

If the actuary finds "that these rate increases were unwarranted, I will immediately take action to get Anthem Blue Cross to follow the law and lower their rates," he said.

When news of the rate hike broke, it resulted in a major backlash against the health insurer and underscored the urgency of passing legislation to reform the industry.

Wednesday's hearing was chaired by Rep. Bart Stupak (D-Michigan) and comes a day before Republican and Democratic leaders gather at the White House for a hotly-anticipated bipartisan health care summit that will be broadcast live on C-Span.

The meeting will be led by President Barack Obama and is intended to get both parties to agree on provisions to be included in a health care bill, the cornerstone of Obama's domestic agenda. Obama has cited the Anthem Blue Cross rate hike several times in recent weeks in an effort to rally lawmakers behind his health care proposal.

Last week, the Department of Health and Human Services released a report, Insurance Companies Prosper, Families Suffer: Our Broken Health Insurance System, that identified how other for-profit health insurance companies were planning massive rate increases in Connecticut, Maine, Michigan, Oregon, Rhode Island, and Washington.

The timing of Wednesday's hearing was not lost on some Republican lawmakers, such as Congressman Michael Burgess (R-Texas), who said it was a political ploy scheduled to promote Obama's "six-hour photo op."

Burgess, a doctor, defended WellPoint's rate hike, stating it could be due to a variety of factors, and "any number, no matter how big, may be acceptable."

But Stupak said the committee's probe "discovered internal documents that suggest a closer relationship between the proposed premium increases and WellPoint profits."

"The documents reveal that WellPoint sought inflated premium increases as a negotiating tool with the California Department of Insurance," Stupak said.

One such document released by the committee last week called into question recent claims by WellPoint to justify Anthem Blue Cross's rate increase in California. The company pointed out that healthy individuals had decided to drop their coverage. But according to data the company submitted to the National Association of Insurance Commissioners, in 2009 enrollment actually rose by more than 7 percent, from 583,967 individual policyholders at the end of 2008 to 627,082 individual policyholders at the end of the third quarter of 2009.

Cooking the Books?

California law requires WellPoint, as well as other health insurers, to spend 70 percent of its premium costs on medical care.

According to the committee's investigation, "to meet this requirement, WellPoint reported to the California Department of Insurance that its anticipated medical loss ratios for each plan as of March 2010 ranged from 72.0% to 78.9%, with one outlier of 144.8%."

"One factor that can have a great impact on medical spending is the number of healthy people, who are relatively inexpensive to insure and chose to leave a particular plan. This is known as 'adverse selection,'" according to the committee's analysis of internal WellPoint documents.

"If a company projects that a large number of healthy people will exit a plan, the estimated spending on medical care for the remaining sicker population is expected to rise and result in a higher medical loss ratio," the committee's analysis concluded. "Even if premium increases generate more revenue for a particular plan, if the pool of policyholders for that plan becomes more expensive to insure, the medical loss ratio will appear higher."

WellPoint uses the concept of "adverse selection" to justify its premium increases, according to the documents. During discussions WellPoint executives had with Energy Committee staff last year, the company disclosed that as much as seven percentage points of the average 25 percent increase in premiums is due to "adverse selection."

According to internal e-mails obtained by the Energy Committee WellPoint "may have manipulated its adverse selection projections to achieve a desired medical loss ratio."

In a September 3, 2009 email, David Shea, WellPoint's vice president for individual pricing, proposed for health plans regulated by the California Department of Insurance to “add 1.0% to margin for adverse selection to ultimately keep MLR flat.”

In the same e-mail, he also proposed for health plans regulated by the California Department of Managed Care to “[a]dd 2.0% to projected claims for adverse selection to lower the margin to flat.”

The medical loss ratio is the proportion of premium revenues that a health insurance plan uses to pay down medical claims. The rest of the money is booked as profit and also used for other expenses, such as marketing and administrative costs and executive compensation.

According to documents obtained by the committee, WellPoint put together a 12-point plan to reduce its medical loss ratio.

In a document titled "WellPoint Individual Business 2010 Plan 1st Pass," the company identified "[o]pportunities (not reflected in forecast/Plan). Under the "Risk Management" heading, the plan indicates that WellPoint's medical loss ration "should improve as we eliminate subsidies and other Risk Management Initiatives.”

That was followed by 12 risk initiatives followed, which included:

  • “Application for those with prior coverage will be dated no earlier than the day after receipt.”
  • “Pre-existing waiting periods have been adjusted to be the either 12 months or the legal maximum if less.”
  • “Reinstatements will only be allowed for a period of 60 days post termination and will require underwriting and payment of back premiums.”

WellPoint executives also identified key issues confronting the individual market in California that helps to better explain why it was targeted with a double-digit rate increase.

"Lack of attention to risk management, decreased ability to use pre-existing claim denials and rescind policies, and maternity policies have led to first year loss ratios climbing from less than 50% five years ago to over 65% today," the company's 12-point plan document says.


WellPoint Chief Executive Angela Braly testified Wednesday that the rate increase in California, filed last November, was reviewed by an "independent actuarial firm" that concluded the company's "methodology was reasonable.

"Raising our premiums was not something we wanted to do--but we believe this was the most prudent choice given the rising cost of care and the problems caused by many younger and healthier policyholders dropping or reducing their coverage during tough economic times," Braly said, adding that the company "clearly" understands "that rate increases create a challenge for many of our members."

"However, it is important to know that many of our members often have a choice of coverage," she said. Still, WellPoint "determined that a rate increase averaging approximately 25 percent (excluding aging) was necessary."

Braly said she "was very disappointed to see the health reform debate change . . . to an attack on the health insurance industry, specifically pointing to our profits and citing this as the primary reason for premium increases, which is very misleading."

But Waxman wasn't buying any of it and he again pointed to the company's own internal documents, which he says show the health insurer's reasons for hiking rates are purely profit-driven.

In a November 2, 2009, email, Bryan Curley, WellPoint's regional vice president and actuary, wrote: "Note: we are asking for premiums that would put us $40 [million] favorable. Just a week earlier, Curley told Brian Sassi, president and chief executive of WellPoint's consumer business, that "[i]f we get the increases on time, we will see an op gain upside of $30 [million] after downgrades and rate caps."

The committee also took issue with Braly's statement that "raising our premiums was not something we wanted to do" noting that other documents "suggest that WellPoint padded its rate increase by five percentage points to counteract anticipated concessions to [California] state regulators concerning the size of its premium increases."

In an internal email dated October 24, 2009, Shane, WellPoint's vice president of consumer actuary, told Sassi, that WellPoint executives needed to "reach agreement on a filing strategy quickly - specifically in the area of do we file with a cushion allowed for negotiations/margin expansion, or do we file at a lower level that maintains margin, but does not allow for negotiation."

"It appears that WellPoint elected to file with 'a cushion,'" according to the Energy Committee's review of WellPoint's internal documents. "In an October 21, 2009, presentation to the WellPoint Board of Directors, Mr. Sassi identified the 'Key Assumptions' in pricing for the individual market in 2010. This slide differentiated the '2010 Rate Ask' from the '2010 Plan Rate Increase.' According to the slide, WellPoint's 'Rate Ask' would be 25 percent to 26 percent, while the 'Rate Increase' the company assumed in its '2010 Plan' was just 20.4 percent."

Watered Down Coverage

Other documents showed that WellPoint sought to reduce benefits coverage and place some of its California customers affected by the rate increase into less than generous plans.

WellPoint's strategy for shifting consumers into reduced benefit plans has three parts.

First, according to the committee's review of documents, WellPoint’s highest rate increases "seem to apply to their most comprehensive insurance plans."

For example:

Maternity care is a marker for a more comprehensive package of benefits. A chart of proposed rates shows that WellPoint’s highest rate increases apply to the only two product families regulated by the Department of Insurance with maternity coverage. The chart also shows that for the most part, WellPoint proposed lower increases within specific product lines for the versions with higher deductibles than for the versions with lower deductibles.

Second, WellPoint is developing new products, called “downgrade options,” to promote to consumers facing the high rate increases. In one e-mail, David Shea, the Vice President for Individual Pricing, states: “Jim has asked Bryan to price 5-6 downgrade options to be made available in conjunction with the upcoming rate action.” In another internal e-mail, Mr. Curley, the Regional Vice President and Actuary, proposed that WellPoint “create 5-6 CA look-alike plans for CA with a benefit or two removed to create a downgrade option upon renewal.”

WellPoint also introduced a completely new product line called CoreGuard, advertised to have “some of our lowest monthly rates” and a “higher percentage of member cost-sharing in exchange for lower premiums.” One of the CoreGuard plans has a $20,000 deductible for a family for in-network services and a separate $20,000 deductible for non-network services. On top of that, a family can spend an additional $15,000 for co-payments for non-network services. Enrollees can be liable for another $4,500 in prescription drug costs. This adds up to a potential $59,500 out-of-pocket maximum for a family, who are still liable for the cost of drugs not on the formulary and maternity services.

Third, company officials discussed scaling back benefits for existing plans. Indeed, in an October 2, 2009, email Shea sent to Curley and James Oatman, another executive, Shea wrote: "During our Plan review this morning Brian was mentioning that, in CA in the past, we mitigated rate increases by introducing product changes for existing members. We brought up the introduction of new products but he wanted to pursue existing product changes."

In another e-mail, Curley described different scenarios that would result in 6 to 10 percent reductions in benefits for four plans, such as raising deductibles in three of the four plans and adding 25 percent coinsurance payments.

Waxman said "actively developing...'downgrade options,' effectively reduces benefits for its policyholders."

"This 'purging' process cuts coverage for WellPoint policyholders when they need it most: when they get sick," he added.

The committee also heard testimony from three of Anthem Blue Cross's individual policy holders. Lauren Meister testified that she was notified that WellPoint will increase her rates by 38.6 percent this year. She said that WellPoint offered her an alternative plan that does not cover the brand name medication she needs to treat a chronic condition. Meister said WellPoint told her that the alternative plan would require her to pay $5,000 out of pocket before the insurance kicks in.

And Jeremy Arnold testified that he has experienced rate increases on his WellPoint policy totaling 74 percent between 2009 and 2010. Anthem has proposed to raise his rates by 38 percent this year.

Corporate Getaways

Waxman and other Democratic lawmakers on the Energy Committee criticized WellPoint for spending tens of millions of dollars on retreats for top executives and doling seven-figure salaries.

"One question we asked is where does all of this money go?" Waxman asked in his opening statement. "We have learned that in 2008, WellPoint paid 39 senior executives over $1 million each. And the company spent tens of millions of dollars more on expensive corporate retreats. During 2007 and 2008, WellPoint spent $27 million on 103 executive retreats. One retreat in Scottsdale, Arizona, cost over $3 million."

"Corporate executives at WellPoint are thriving, but its policyholders are paying the price," Waxman said. "WellPoint executives may get richer, but our nation's health is suffering."

The committee included photographs of the luxurious five-star hotels, such as the Four Seasons in San Diego and Hawaii, that corporate executives stayed at during their getaways.

WellPoint generated $4.75 billion in earnings last year and its profit margin soared to 7.8 percent, compared with 4.1 percent in 2008. Over the past 12 months, the company's share price increased by 50 percent. According to BusinessWeek, WellPoint shares rose 90 cents, or 1.5 percent, to $59.91 Wednesday in New York Stock Exchange composite trading.