NINJA ARM Rate Climbed Can't Afford Payments, Many Americans Upside Down Walked Away from Abandoned Homes, A Kind of Cold Logic

 When a home mortgage originated or created, there is not actual money, the buyer of the home takes on real debt for real estate or real land & a real physical home or property, but if the buyer fails to pay their debt to the lender, then the lender who created the loan & money out of thin air by imaginary account tricks, gets to legally take the property, land & home of real value back, then sell it again, and get actual money when it sells, thus turning an imaginary loan with no real money into real money, in essence the bank, lender or investing institution profits while the disadvantage underprivileged home owners who took on a NIJA no document, no income, no asset, variable loan, known as an ARM or adjustable rate mortgage, the payments for the first 2, 3 or 5 years only $800 per month, but after introduction period, the interest rate rises, and they payment doubles or triple and they can no longer afford to pay, thus 2008 USA

Unregulated derivatives and credit default swaps, effectively side betting and insurance for risky bets, or gambling with other people's money at the highest level possible using the most amount of money ever financialized or securitized as "instruments" designed by Noble Prize Track physicists & mathematicians, who were in some sense creating a giant financial science experiment, designed to reduce risks for investors, but as human behavior irrational and cannot be modeled easily in mathematical formula, even complex ai models struggle to understand all human morality, ethics, values or behaviors, noting extreme differences in human rights observed in western countries when compared to Sharia Law enacted as official in many Islamic Republics, such as Syria, Iran, Saudi Arabia or similar, where girls and women and people of GLBTQ+ persuasion are abused, harmed, murdered, stoned to death, shot on demand in the street by police for apostasy or thrown off buildings into streets as a death sentence, thus liberals in America supporting Gaza are confused, if those same people were to physically travel to an Islamic Republic, they would be likely to be arrested or murdered by the Taliban, Isis or Isil, Hammas or other Extreme Islamic Terrorist Groups. 

Billions of dollars of bonuses were awarded to the people who organized a giant system fraudulent investing scheme, using CDO, CDS, REPO 105, MBD, & other instruments of complex financial math engineering, similar to how big tobacco engineers food additive chemicals into thousands of common well selling foods that are linked to 32 different disease pathologies according to the World Health Organization and the National Institute of Health, WHO & NIH respectively. These pervert sickos hit the road with other people's money stollen or ill-gotten gains, while non-of the executives responsible for the 2008 debacle served any time in jail or prison, zero criminal or civil penalties of any kind, instead golden parashoots of tens of millions of dollars, some hundreds of millions of dollars, a tiny opulent minority benefitted at the expense of everyone else, sabotaging the global economy. If it were up to me, I would have these people who profited at everyone else's' expense, executed for sedition, treason and betraying the Constitution of the United States of America, as enemies of the general public. 

How Did We Get to Now, Exploiting #Energy

Ancient Wood Fuel Fire 

Cave people saw forest fires, then using shatter rocks with sharp edges, bashed at wood trees to cut down wood, then used this wood to capture fire from natural fires, but brought the burning wood back to their camp site, igniting other wood, and for most of human history burning dry wood the basis of modifying landscapes, setting up the conditions for eventual civilization with larger human populations.

Coal Power Industrialization

Next innovation in exploitation was coal, a mineral that can be burned for heat and light and steam to make power, Coal Thermal Power Plants exist and operate today, as an entire train car full of coal only costs a few hundred dollars, some 20X cheaper than oil based fuels or petrochemical fuels, or 1/3 the price of natural gas. In a way, exploiting carbon to expand development forming eventually the first industrial revolution.

Gasoline, Diesel & Jet A Hydro-Carbon Party

Then someone important struck crude oil or petroleum, which kicked off the hydrocarbon revolution, energizing the second industrial revolution, during which time nuclear weapons then nuclear power were developed. Immense improvements to electrification and telecommunications during the OIL AGE, enabled a more rapid 3rd industrial revolution.

Intelligence Encoded into Electricity

By the time the DOT COM boom over, we were starting into the Fourth Industrial Revolution

Say 5G, Robots, Artificial Intelligence, E-commerce Amazon Mega Monopoly, eBay, Alibaba, 3D printing

Robotic Surgery, Automatic Drug Discovery, New FRC Nuclear Fusion Power by Helion, Radical Chip Making Innovations down to smaller than 1 nanometer features in just a few years now. In essence, we are abusing hydro, wind, geothermal, coal, natural gas, oil, both kinds of nuclear or atomic, and a mix of other solar, energy storage, grid N+1, HVDC, superconductors, MRI machines, liquid hydrogen, we have gone to the edge of the start of a Type 1 civilization, where we move beyond finite chemical rockets to nuclear space propulsion for deep space access, during the 5th industrial revolution, with a NASA Artimis moving human activity to the surface of the Moon soon :) Holy grail of automotive gasoline & diesel engines, thermal efficiency of 70%, noting even Atkinson in Toyota Hybrid only about 43% thermal efficiency best case at specific RPM's and operating conditions, so much room for progress remains, just as LLM's are taking away jobs, while AGI poised to take away even more jobs, and ASI creepy and satanic level might even kill off mankind to better itself, who knows, only God! 

History of Science & Technology

An incredible book called The Lever of Riches by an Economics Professor, I took a class in college about the history of technology, and watched hundreds of episodes of the original TV series Modern Marvels on The History Channel, much of which informed the topics of this post, noting that our ability to produce useful heat, power & electricity are primary inputs to economic development, creating wealth and prosperity, specifically how Helion's FRC Fusion Power Plants are poised to revolutionize the future of electricity and deep space propulsion :) 

Meet Men who started Financial Crisis of 2008 | Lehman Brother | Fraud | Finance

https://youtu.be/kgJWD-F0YFs?si=8OUe9mRZ2q4aK6P-

The real-life "Big Short" and the 2008 financial crisis

https://youtu.be/JDhL1LjrgTA?si=ORsisVT6kf4km_DE

$693 Billion Lost By Richard Fuld of Lehman Brothers Using REPO 105 Accounting Tricks Investing Trillions in No Document, No Income, No Asset Loans known as NINJA, most Variable Interest Rate Loans

 No money down, own a home, core elements of fade American Dream, since the end of the Civil War in USA, homes had gone up in value perpetually, even when adjusting for inflation or the perpetual loss of value of the US dollar over time, noting that since 1913 the US Dollar has lost 97% of its value in terms of buying power to pay off debts public or private as a fiat currency, or imaginary Fugazi currency, noting nearly all countries inspired by the United States of America, have converted their currency systems into Fiat Fake News Military Industrial Complex Noise creating a nearly 400 trillion dollar global debt debacle that no politician has the gumption, morality, integrity or values as a person to address, instead that do anything they are able to push the goal post further off, because they will lose the next election if they force a renumeration of the US Dollar, like Mexico did to the Peso in 1980. 

A bizarre SEC rule change in 2001, allowed the largest investment institutions and banks and insurance companies to engage in dangerous reckless crazy speculative investing, with notable flops such as WorldCom or Enron, yet 2007 brought a nearly instant crash that the US and world never fully recovered from, in essence, in some ways, the entire global monetary system been in life support ever since 2008, and even became more ill during the COVID19 pandemic, mounting public debt continues to increase while the currency loses its value, nearly all Fiat currencies in history eventually failed due to hyperinflation and we do not have to look far in Africa for an example of a country with nearly worthless currency that oscillates or varies in value significantly day to dad, you need a grocery basket of cash to buy anything useful or worthy. 

You might say, investment banks are not bad, they made a lot of people a lot of money, and you would be correct, but what did not happen, wealth created was not spread evenly raising the standards of living to all people worldwide, moreover, the opposite happened, the financialization of markets concentrate wealth and power to a tiny opulent minority of very wealthy billionaires, while increasing inflation, which makes everyone else proportionately more poor, so the actions of a few for their benefit end up harming the majority, or this is morally repugnant, illegal, unethical, unfair, unjust, wrong, bad, crazy, insane, not logical, no reasonable, not loving, not kind, not polite, not Godly, nothing good, the overwhelming outcome was worse for everyone, thus it can be correct to claim that the entire global economy been on life support since 2008, evidence in the growing amount of public national debt that continues increasing along with inflation. 

Soda, Pop, HFCS, Sugar, Beverages Behind Obesity & Diabetes Epidemics

In Saudi Arabia outside weather very hot, so much that Nissan LEAF battery fading issues in aluminum heat sink enclosure does not work correctly, while Islam the major religion meaning virtually zero alcoholic beverage consumption, so many people drink cold soda, Coca Cola or Pepsi, while each in conventional form contain more than 30 grams of sugar per serving, often from high fructose corn syrup, while phosphoric acid content etches away tooth enable can gives rise to kidney stones, excess fructose consumed promotes weight gain, fatty liver and type 2 diabetes formation. I picked on Saudi Arabia because rate of increasing incidence of Type 2 diabetes and Obesity are record setting globally, almost conclusively linked to high levels of soda consumption in hot weather conditions.

One of the world's most recognizable brands, Coca Cola commands an impressive market share of soda sales globally. Yet even Coca Cola has hundreds of brands of beverages under its ownership, many trending and popular with young people today featuring zero sugar, fruit essence, botanic or biologic or organic, no artificial additives of any kind, no chemicals, no strange substances, no fake flavors or fake colors or fake sweeteners, noting Sucralose similar to DDT in terms of a halogenated hydrocarbon molecule, and links from evidence in medicine between Sucralose and Cancer risk increase, mean that Zero Sugar options with artificial sweeteners could be more damaging to health than drinking the conventional HFCS or Sugar sweetener versions of the same brand of soda pop. 

I am thinking of Humpy Dumpty who sat on a wall, and who took a great a fall, rolled down the hill like a medicine pill, unable to right himself inflated inflammation obesity round as a blueberry, from drinking soda in excess and not making healthy nutritional choices, so many empty calories of sugar driving up blood sugar levels promoting disease pathology, such as development of Type 2 diabetes from increasing insulin resistance, from consuming so much HFCS that it causes fatty liver & causes insulin signaling to stop working, cells downregulating insulin receptors by reducing number of insulin receptors in response to chronically elevate high blood sugar levels. 

USB-C for How Long? Standardized Power & Data or Just Power or Just Data or Any Combination

During Moving 2026 we have so many power adapters, bricks, device specific barrel plugs, without which the device unusable, leading to online purchases of replacement adapters. Stuff thrown away for without the ability to provide it with the correct voltage & amperage, many things will not work at all, worse if your plug a barrel plug that fits of too high volage into device meant for a lower voltage it can break your device. 

Moreover USB-A was standardized on computers and devices for decades before OEM switched to fragile easy to break with light pressure, only goes in one-way micro-USB, while Apple pivoted from a strong 30pin adapter to a lightning plug, then there was a USB-B that was strong but small, then Apple went to MagSafe, then back to USB-C-, then MagSafe + USB-C, as the iPhone went from lightning to USB-C, in other words everything electronic is moving to USB-C, so what is the hold up with all these stupid proprietary adapters, that creates a lot of electronic waste, useless duplicity worse than municipal government, though as noted by others, in a world with 8 billion plus people, we have to have wasteful duplicity in order to create jobs for people who want income and to work.

Moving homes irritates and annoys me for a variety of reasons, in part because I am disorganized and that makes keeping track of everything daunting. Lots of stuff gets "Lost in Translation" a favorite movie of mine about two Americans in Japan, who become friends despite an unusual situation that unites them in a platonic almost romantic friendship, a beautiful reflection on genuine social connections, even despite age differences, even when in foreign places far away from home, when someone new pays more attention to you than your spouse. 

Feeling invisible, unseen, loneliness, many married people after years or decades, long ago fling ended, lust and romantic feelings faded, wondering "who" this person is that they married after both have changed, leading to many divorces, especially in America, but also preventing marriage, while STD vectoring has younger people staying away from any sort of fluid exchange, no kisses or rubbing, no thrusting or loving, no intercourse, no sex, they will do a safer practice called mutual masturbation where both sit in private proximity without touching & pleasure themselves watching the other pleasure themselves, then thank each other, hug, shake hands, smile, and part ways, or hang out, watch a movie, eat dinner together, go on a date, a non-fluid-exchange relationship to stop unwanted pregnancy or STD or STI exchange, based on taking Health class in middle school and or high school. 

What does human sexual fluid exchange have to do with USB-C? Glad you asked

In both cases of male female interaction and plug or outlet, a male part, plugs into the female part, even with barrel plugs, USB-A, USB-C, Lightning from Apple, Micro-USB, and with humans while fluid can vector sperm & vaginal fluid which may or may not contain viral pathogens, the same can be said of data moving between female of device and male cable attacked to the accessory or electronic, computer viruses can move over cables.

Famously to install Stuxnet into the Gas Centrifuge Enrichment Halls of Terrorist Controlled Nuclear Weapons Program Microcontrollers over USB Sticks contaminated with this tiny government generated code virus, that upon gaining access to the microcontroller of the motors spinning the gas centrifuge, causing the motor to destabilize the tube filled with Uranium Hexafluoride, which then broke free, causing a chain reaction failure of the other gas enrichment centrifuge tubes, unto complete destruction of the facility. Stuxnet was made with C++ into a tiny data size, using thousands of hours of C++ experts at a classified US facility, who reverse engineered the exact microcontrollers, to figure out how to sabotage them, then made Stuxnet into a common virus spread over many computer email systems and networks, hidden from regular view, that activated upon being connected to the exact microcontroller. If private capital had to pay for such a thing as Stuxnet, it would cost millions of dollars, and in some cases NGO & other Billionaires have paid for the creation of computer viral pathogens that either scrape data, are advance ai bot crawlers, involve with trafficking human personal data or selling peoples data, or selling illegal items with BTC or bitcoin as only payment option.