The Brooke Amendment And Section 8 Housing: Revisited

7 05 2019

 By Timothy D. Naegele[1]

This is the title of my newest law review article[2] that discusses the landmark laws enacted by Congress: the “Brooke Amendment” with respect to public housing, and the “Section 8” housing program that was intended to extend the benefits of the Brooke Amendment to housing wherever it is located. Put succinctly, the Brooke Amendment capped the payment of rent at twenty-five percent of a person’s income, with the federal government paying the difference; and it provided funds to improve public housing, and to assure the safety of its residents.

Section 8 was envisioned as giving “vouchers” to those who qualified for public housing, and permitting them to find housing anywhere, with the federal government subsidizing their rents when the twenty-five-percent-of-income threshold was passed. Taken together, the Brooke Amendment and Section 8 were America’s answer to the needs of decent housing for its poor. Today, there are two million voucher families.[3]

The United States has an unenviable record of providing affordable housing for its poor, much less for the poorest of the poor—America’s homeless. They have lived on the streets and wherever they could find shelter; and they have been shunned as “lepers” and cast aside to fend for themselves. Many have been and are in desperate need of mental health care and treatment; and they are not far removed from the poor of Calcutta, who have been chronicled down through the decades.

This is particularly true of the elderly, disabled and families with young children, who have slipped through the “cracks” and the societal “safety nets,” to the extent that such protections still exist. However, the elderly of the Boston area were singled out for humane, dignified and uplifting treatment and protection in the late 1960s and early 1970s, when work began by Senator Edward W. Brooke and me in the U.S. Congress—through its two banking committees—to address their plight.

Since then, billions of dollars have been expended, and millions of poor Americans have been helped, which tragically has only scratched the surface—as the numbers of chronically poor and those who are unable to afford private rents continue to rise in the United States. The ever-accelerating cost of housing, and the short supply of existing affordable housing units, have priced many Americans with even good jobs out of decent housing across America, in such areas as “Silicon Valley” (or the San Francisco Bay Area).

They have lived in campers, recreational vehicles (“RVs”) or wherever they could find to sleep. The effects on the poorest of the poor—those farther down the economic totem pole—have been catastrophic, especially in those areas of the United States where inclement weather is a major factor. Many have died, or been victimized, as homeless shelters have been inadequate or closed entirely for various reasons (e.g., funding and/or staffing shortages) in areas where they are needed the most.

Yesterday’s problems are compounded by staggering mental health issues relating to America’s poor and homeless; violent gang activities such as MS-13; dilapidated public housing projects, which may not be helped by the infusion of more federal funds; Social Security retirement benefits that have not kept pace with the costs of food, housing and the medical needs of America’s elderly poor; the influx of illegal immigrants from other countries, who have few discernible skills and nowhere to live; the shortage of qualified professional staff members who can deal effectively with such problems and challenges, and truly make a positive difference; and the increasing demand by most Americans for affordable housing, which has outstripped the available supply.

One size does not fit all. What works in one community may not work in another. And simply throwing money at the staggering problems might not be any solution at all. U.S. taxpayers may say “enough is enough,” and they might be right—at least with respect to their own self-interests. Money cannot be wasted if federal housing programs are to enjoy broad support from the American people. The tasks today are daunting, but the United States and Americans have risen to the challenges of the past, and may be expected to do so in the future.

 

Ed Brooke

[Senator Edward W. Brooke (1919-2015)]

 

© 2019, Timothy D. Naegele


[1]  Timothy D. Naegele was counsel to the United States Senate’s Committee on Banking, Housing, and Urban Affairs, and chief of staff to Presidential Medal of Freedom and Congressional Gold Medal recipient and former U.S. Senator Edward W. Brooke (R-Mass). He and his firm, Timothy D. Naegele & Associates, specialize in Banking and Financial Institutions Law, Internet Law, Litigation and other matters (see www.naegele.com and Timothy D. Naegele Resume-19-4-29). He has an undergraduate degree in economics from the University of California, Los Angeles (UCLA), as well as two law degrees from the School of Law (Boalt Hall), University of California, Berkeley, and from Georgetown University. He served as a Captain in the U.S. Army, assigned to the Defense Intelligence Agency at the Pentagon, where he received the Joint Service Commendation Medal (see, e.g., https://en.wikipedia.org/wiki/Commendation_Medal#Joint_Service). Mr. Naegele is an Independent politically; and he is listed in Who’s Who in America, Who’s Who in American Law, and Who’s Who in Finance and Business. He has written extensively over the years (see, e.g., www.naegele.com/whats_new.html#articles), and can be contacted directly at tdnaegele.associates@gmail.com

[2]  See Timothy D. Naegele [NOTE: To download The Banking Law Journal article, “The Brooke Amendment And Section 8 Housing: Revisited,” please click on the link to the left of this note]; see also https://naegeleblog.wordpress.com/2015/01/03/edward-w-brooke-is-dead/ (“Edward W. Brooke Is Dead”) and https://en.wikipedia.org/wiki/Edward_Brooke (“Edward Brooke”)

[3]  But see https://crosscut.com/2019/04/despite-new-law-landlords-continue-turn-away-applicants-section-8-vouchers (“Despite new law, landlords continue to turn away applicants with Section 8 vouchers”) and https://laist.com/2019/04/10/la_wants_to_stop_landlords_from_rejecting_low-income_housing_vouchers.php (“LA Wants To Stop Landlords From Rejecting Section 8 Vouchers”) and https://www.scpr.org/news/2019/04/12/89035/la-considers-prohibiting-landlords-from-rejecting/https://www.scpr.org/news/2019/04/12/89035/la-considers-prohibiting-landlords-from-rejecting/ (“LA considers prohibiting landlords from rejecting housing assistance vouchers”—”Nearly half of the people getting a Section 8 voucher in L.A. will end up losing it because they can’t find any landlords who will rent to them”) and https://www.latimes.com/opinion/editorials/la-ed-section-8-discrimination-law-homeless-20190419-story.html (“End Section 8 housing discrimination”—”[A]t a time when cities and counties are increasingly relying on vouchers to help reduce homelessness, many landlords won’t even consider leasing to tenants whose rent would be paid, in whole or in part, by the government. The problem is particularly acute in cities with high rents and low vacancies. In Los Angeles, nearly half the people trying to use a Section 8 voucher had it expire in 2017 before they could find a place to live, up from 18% in 2011. Several cities, including San Diego, San Jose and San Francisco, have already banned discrimination against tenants with Section 8 and other housing vouchers.  . . . But California can’t end housing discrimination on a city-by-city basis. State lawmakers need to go further and pass Senate Bill 329, which would enact the ban statewide.  . . . Landlords argue that high denial rates aren’t driven by discrimination but by the paperwork, inspections and restrictions that come with rental subsidy programs. For example, it’s hard to raise the rent, even modestly, on voucher tenants. Plus, they note, the supposed “market rent” the federal government is willing to cover is often too low in California’s overheated markets, where the bigger problem is a lack of affordable housing units”) and https://www.bostonherald.com/2019/04/25/boston-receives-1000-housing-vouchers-for-homeless/ (“Boston receives 1,000 housing vouchers for homeless”) and https://wpdh.com/ny-landlords-cant-discriminate-against-section-8-anymore/ (“NY Landlords Can’t Discriminate Against Section 8 Anymore”) and https://www.wbez.org/shows/wbez-news/more-section-8-vouchers-in-chicagos-black-neighborhoods-than-a-decade-ago/e461cdf4-22d1-45bd-9522-e0983c2d1c08 (“Chicago’s Section 8 Vouchers Increasing In Black Communities, Declining In White Neighborhoods”) and https://dc.curbed.com/2019/5/9/18538152/dc-nonprofit-fair-housing-law-online-course (“D.C. nonprofit offers online fair housing course designed to prevent discrimination by landlords”)





A New Catholic Manifesto?

13 04 2019

 By Timothy D. Naegele[1]

A recent survey found that there are as many Americans who claim no religion, as there are evangelicals and Catholics:

For the first time “No Religion” has topped a survey of Americans’ religious identity. . . . The non-religious edged out Catholics and evangelicals. . . .[2]

Also, it has been noted that “a growing number of Americans reject organized religion,” and that “‘No Religion’ will be the largest group outright in four to six years.”[3]  These conclusions do not surprise many if not most “believers”—which is the path less traveled.

Some of us “experienced” God at one time or another in our lives[4]; and without that, it is likely that we too would not only reject organized religion, but any belief in a “Higher Power” altogether.  We might look at the cruelties, injustices and sadness in Life, and wonder how a loving God could allow this.  It seems to fly in the face of logic and rational belief systems.[5]

Indeed, to “push” our belief systems on others, or even to mention the life-changing moment we experienced, seems arrogant and pious.  Each and every human being, or animal, is a child of God . . . or so many of us believe.  We are not special because of what happened to us, but we were privileged—and yes, blessed—to have it happen.  With that comes a sense of responsibility, to help others.

Often, evangelicals proselytize, quite vigorously, which turns off others.  If the “targets” were willing to be open-minded, having religion “shoved down their throats” can be threatening and repulsive.  However well-intentioned such evangelicals may be, they can have the opposite effect, of turning away the “candidate” from any religion, which is human nature.  Each of us is on a unique path to God, or so I believe, which is not shared by anyone else.

We fall, and get up again and move on.  We are not heroes or saints or anything else except another human being.  We are no more or less than our fellow human beings.  Each day we seem to struggle with our beliefs and faith.  As I have written:

I had essentially a “near-death” experience some years ago, similar to what others have described, during which I experienced God . . . as an intense bright light at the end of a tunnel, and as Infinite Intelligence of which our own intelligence is merely a part. God was neither masculine nor feminine. My mother had died months before it happened, and I felt her presence and I knew she was with God.

From that moment forward, I have never doubted that God exists, or that God created everything—heaven and earth and everything in between. However, I continually seek to understand how God operates in my life, on a day-to-day basis. The closest I have come is my belief that God acts through us as faith, inspiration, prayer, miracles, and perhaps most of all, love. I believe that in expressing love, each of us is God in expression.[6]

Christianity is the largest religion in the world today[7]; and the Catholic Church, or the “Mother Church,” is the largest Christian denomination.[8]  In the case of some, our ancestors have been Catholics for centuries—and at least two hundred years.  We may not be “official Catholics” today, but we are drawn to the Church for a variety of reasons.  One of the most important is the Church’s stand on abortions, and its unwavering pro-life and anti-Infanticide policies.[9]

Jesus’ teachings were simple; and they are set forth in the New Testament, for anyone to read.  Was He the Messiah and Son of God?  I believe so.  In many ways, His messages were clear: to help the poorest of poor (e.g., homeless) and the downtrodden; and not to worship material things or “creature comforts.”  We come into this world with nothing, and we leave with nothing, just like the Pharaohs or monarchs of ancient Egypt.[10]

How and where has the Catholic Church gone astray, and diverged from the teachings of Jesus?[11]  How can it be brought back “on track,” so it is true to Jesus’ teachings?  For some non-believers, there is probably nothing that the Church could do that would “redeem its sins.”  Some are determined to destroy the Church, and organized religions altogether; and seemingly, nothing will change their minds or alter their paths.

Pedophilia has ripped the Church apart around the world, and in places like Ireland where the Church used to be so strong.  What can be done about this, at least with respect to those who are “open-minded” and not bent on destruction?  First, the Church needs to “clean house,” and rid its ranks of pedophiles who prey on others, and those who engage in human trafficking and slavery.  Second, there must not be more cover-ups.  Third, I believe there should be no more vows of celibacy or chastity, which are unnatural.  Fourth, the priesthood should be open and welcoming to women.

Lastly, why should I care?  Why should I or anyone else waste time writing an article like this or trying to make changes, which may be unlikely to move the Church or its adherents one single inch?  Indeed, few people may read this article, much less be moved by it.  And some may be repulsed and/or angry about what I have written.  Yet, I want to see Jesus’ wonderful teachings flourish, and for the Catholic Church to continue to promulgate such teachings far and wide—and yes, to serve God in the process.

The Church has helped millions of human beings worldwide, and it continues to do so.  This is its future.

 

 

© 2019, Timothy D. Naegele


[1]  Timothy D. Naegele was counsel to the United States Senate’s Committee on Banking, Housing, and Urban Affairs, and chief of staff to Presidential Medal of Freedom and Congressional Gold Medal recipient and former U.S. Senator Edward W. Brooke (R-Mass). He and his firm, Timothy D. Naegele & Associates, specialize in Banking and Financial Institutions Law, Internet Law, Litigation and other matters (see www.naegele.com and Timothy D. Naegele Resume). He has an undergraduate degree in economics from the University of California, Los Angeles (UCLA), as well as two law degrees from the School of Law (Boalt Hall), University of California, Berkeley, and from Georgetown University. He served as a Captain in the U.S. Army, assigned to the Defense Intelligence Agency at the Pentagon, where he received the Joint Service Commendation Medal (see, e.g., https://en.wikipedia.org/wiki/Commendation_Medal#Joint_Service). Mr. Naegele is an Independent politically; and he is listed in Who’s Who in America, Who’s Who in American Law, and Who’s Who in Finance and Business. He has written extensively over the years (see, e.g., www.naegele.com/whats_new.html#articles), and can be contacted directly at tdnaegele.associates@gmail.com

[2]  See https://www.cnn.com/2019/04/13/us/no-religion-largest-group-first-time-usa-trnd/index.html (“There are now as many Americans who claim no religion as there are evangelicals and Catholics, a survey finds”)

[3]  Id.

[4]  See https://naegeleblog.wordpress.com/2010/05/12/what-and-where-is-god/ (“What And Where Is God?”)

[5]  See https://naegeleblog.wordpress.com/2010/05/12/what-and-where-is-god/#comment-426 (“For A Lovely Woman Named Cynthia Whose Faith In God Will Help Her”)

[6]  See infra n.4.

[7]  See, e.g., https://en.wikipedia.org/wiki/Major_religious_groups#Largest_religious_groups (“Largest religious groups”)

[8]  See, e.g., https://en.wikipedia.org/wiki/Catholic_Church (“Catholic Church”)

[9]  See, e.g., https://en.wikipedia.org/wiki/Infanticide (“Infanticide”)

As I have written:

An abortion is a criminal act: infanticide. Each of the mothers and the doctors and others who have participated—or participate in the future—in the taking of human lives should be arrested, tried, convicted and . . .

Abortion is the taking of a life!

. . .

IF any exceptions are to be made, they should only occur in the case of rape, incest or where the life of the mother is at risk.

See https://naegeleblog.wordpress.com/2012/12/20/abortions-and-autos-kill-more-in-america-than-guns/#comment-3298 (“55 Million American Babies Killed Since Roe v. Wade“)

[10]  See, e.g., https://en.wikipedia.org/wiki/Pharaoh (“Pharaoh”)

[11]  See, e.g., https://naegeleblog.wordpress.com/2010/04/05/the-catholic-church-at-a-crossroads/ (“The Catholic Church At A Crossroads”)

 





Standby Letters of Credit And Other Bank Guaranties: Revisited

1 04 2019

 By Timothy D. Naegele[1]

The United States has experienced periods of boom and bust since its rich history began.  Such is the basic nature of economic cycles, and of our capitalist system that governs global economic activity.  Like the laws of gravity, certainties exist in economics too.  What goes up, comes down—sometimes with a resounding thud.

When crises arise, as they will, public policymakers in America and other countries must be prepared to deal with them in a responsible and effective manner, and have tools at their disposal to do so.  One area of economic activity that few Americans know about, much less comprehend, involves the staggering amounts and extensive uses of guaranties—issued globally by banks, other financial institutions, businesses, governmental agencies[2], and individuals themselves.

According to the latest figures published by the Fed, the aggregate amount of “Financial standby letters of credit and foreign office guarantees” in the fourth quarter of 2018 stood at more than a half-trillion dollars—$566.8 billion, to be exact—which seems exceptionally low.[3]  My newest law review article deals with standby letters of credit and other bank guaranties, and with their counterparts in other areas of domestic and international commerce.[4]

The article builds on an earlier discussion of such issues, before the U.S. Senate more than 40 years ago.[5]  Since then, crises have come and gone; and the issue today is what public policymakers have learned in the interim about how to anticipate and address them.  As I have written:

Guaranties have been used in commercial transactions for centuries, in various contexts and in various parts of the world.  Banks have not been alone in their willingness to engage in such undertakings, and have sought new methods of characterizing guaranty transactions in recent years, in an effort to circumvent legal bars as to these practices.

. . .

A guaranty is a promise by one party to answer for the payment of some debt, or the performance of some obligation, in case of the default of another party, who is in the first instance liable for such payment or performance.  A standby letter of credit is merely one form of a guaranty which has been subject to increased usage by banks in this country during recent years.  There are a variety of reasons why the use of standby letters of credit has increased.  The primary reason from a legal standpoint is that our courts have held that national banks are not permitted to guarantee the obligations of another party.

The national banks involved have been imaginative enough, in responding to this situation, to fashion an instrument which they contend is not an illegal guaranty but is akin to a traditional letter of credit, as a means of avoiding any legal or regulatory constraints. . . .

[T]he standby letter of credit is a means by which a bank permits its customer to make use of the bank’s credit standing and goodwill in the customer’s business.  . . .  [T]he bank is in effect “selling off” its credit to others. . . .

. . .

Quite obviously, instead of “lending” its credit[] in certain transactions, the bank itself could provide funds directly to its customer.  At the time the customer seeks such funds, however, the bank may not . . . wish to lend such monies.

. . .

[T]he use of such instruments abroad has been sanctioned owing to the fact that the laws of several countries authorize banking institutions chartered thereunder to engage in such undertakings.  Accordingly, it has been determined that American banks would be at a severe competitive disadvantage if their foreign counterparts were permitted to guarantee certain transactions, while American banks competing for the same business were prohibited from doing so.  It is questionable, however, whether there has ever been a conscious assessment of the risks which attend foreign transactions of this nature vis-a-vis the benefits derived therefrom.

. . .

Banks are special institutions subject to rules designed to assure their soundness for the benefit of depositors and to maintain public confidence in the banking system.  The potential bank liability on a standby letter of credit, and consequent risk of loss to the depositors and shareholders of the bank, is just as real as if the transaction had been a typical lending transaction by the bank.

. . .

It is appropriate to focus on the use of guaranties in the standby letter of credit context because banks are reluctant to disclose fully or describe the various types of guaranty transactions, and because it presents a useful illustration of a high risk situation once one is able to cut through the complexities of the transactions involved.

. . .

A fee of from one-quarter of one percent to one percent, or as much as $1 million on a $100 million standby letter of credit financing, is collected by the bank for its services; and the bank is not required to commit any funds of its own, unless a default occurs.[6]

No one should deny the opportunity for U.S. banks and other financial institutions to make a profit and serve their customers, as long as they act responsibly and legally, and their solvency and stability are not put at risk.  However, aggregating more than a half-trillion dollars today on the part of American banks and other financial institutions alone, standby letters of credit and other bank guaranties present enormous potential risks to the U.S. and global economies.

 

Capitol and flag

 

© 2019, Timothy D. Naegele


[1]  Timothy D. Naegele was counsel to the United States Senate’s Committee on Banking, Housing, and Urban Affairs, and chief of staff to Presidential Medal of Freedom and Congressional Gold Medal recipient and former U.S. Senator Edward W. Brooke (R-Mass). He and his firm, Timothy D. Naegele & Associates, specialize in Banking and Financial Institutions Law, Internet Law, Litigation and other matters (see www.naegele.com and Timothy D. Naegele Resume). He has an undergraduate degree in economics from the University of California, Los Angeles (UCLA), as well as two law degrees from the School of Law (Boalt Hall), University of California, Berkeley, and from Georgetown University. He served as a Captain in the U.S. Army, assigned to the Defense Intelligence Agency at the Pentagon, where he received the Joint Service Commendation Medal (see, e.g., https://en.wikipedia.org/wiki/Commendation_Medal#Joint_Service). Mr. Naegele is an Independent politically; and he is listed in Who’s Who in America, Who’s Who in American Law, and Who’s Who in Finance and Business. He has written extensively over the years (see, e.g., www.naegele.com/whats_new.html#articles), and can be contacted directly at tdnaegele.associates@gmail.com

[2]  For example, in a lawsuit where a judgment of more than $4 million was rendered against a bank, the bank’s federal regulator was permitted to issue a letter of credit (or guaranty) on behalf of the bank, which allowed it to appeal the verdict.

See Timothy D. Naegele, The Bank Holding Company Act’s Anti-Tying Provision: Almost 50 Years Later—Part I, 135 BANKING L. J. 315, 336-338 (June 2018) (Naegele 2018, Part I) [Timothy D. Naegele-Part I] (discussing Lucken et al. v. Heritage Bank National Association et al., U.S. District Court for the Northern District of Iowa, Case # 5:16-cv-04005, PACER Docket Sheet entry 197, paragraphs 6-8 (“Pursuant to Federal Rule of Civil Procedure 62(d), if an appeal is taken, the appellant may obtain a stay by supersedeas bond.  . . . Defendants have obtained . . . a Letter of Credit in favor of Plaintiffs for an aggregate amount not to exceed $5,000,000.00, available through Federal Home Loan Bank of Des Moines, Des Moines, Iowa.  . . . In addition, Plaintiffs and Defendants have executed an agreement setting forth the events of default which would trigger calling upon the letter of credit”)) [PACER Docket Sheet entry 197]; see also https://naegeleblog.wordpress.com/2018/08/25/the-bank-holding-company-acts-anti-tying-provision-almost-50-years-later/ (“The Bank Holding Company Act’s Anti-Tying Provision: Almost 50 Years Later”)

[3]  See off-balance-sheet-items

[4]  See Timothy D. Naegele Standby Letters of Credit

[5]  See Timothy D. Naegele, Standby Letters of Credit And Other Bank Guaranties, Compendium Of Major Issues In Bank Regulation, Committee On Banking, Housing And Urban Affairs, United States Senate 621 (May 1975) [Naegele-Standby Letters of Credit And Other Bank Guaranties].

This Senate submission and its attachments constitute a useful starting point for the discussion of this subject, and they will be referred to throughout this article.  The author respectfully suggests that it might be useful for the reader to review them.

[6]  See id. at 626-629, 633, 634, 635.





Boycott General Motors

28 11 2018

 By Timothy D. Naegele[1]

There is reason to believe that General Motors is failing again, after having been bailed out by America’s taxpayers.  It stopped reporting monthly sales back in April of 2018, despite the fact that all of its domestic and foreign competitors had been reporting them on a regular basis. This was a drastic decision by GM’s management, which had reported such figures during the last auto sales crisis—described as the Crash of 2008.[2]

GM was on the ropes then. Chrysler and Ford were too, but company founder Henry Ford’s great-grandson Bill Ford and Boeing’s Alan Mulally[3]—who had become Ford’s president—put together a winning plan to save Ford without going into bankruptcy.  They hunkered down and sold off Aston Martin, Land Rover, Volvo, Jaguar, Ford’s dominant interest in Mazda, and consigned the Mercury brand to the dustbin of automotive history. In the process, their strategy succeeded impressively. Today, Fords are the largest selling vehicles in the United States; and the Ford F-Series trucks outsell all other vehicles.

Both GM and Chrysler went into bankruptcy; and with his Fiat conglomerate hanging by a thread in Europe, its gutsy chief Sergio Marchionne bought Chrysler, and the rest is business history.  Marchionne saved both of his companies.[4]  Today GM manufactures vehicles in 37 countries, and sells its core American automobile brands—Chevrolet, Buick, GMC, and Cadillac—through its U.S. dealers, some of which were put out of business following the last crash because they were deemed not to be buying enough cars from GM.[5]

It has been reported that the company plans to halt production at several of its American plants, and reduce its salaried workforce by 15 percent—or more than 14,000 employees—in a massive restructuring that will cost up to $3.8 billion. The Detroit automaker said “plants in Ohio, Michigan, Maryland, and Ontario will be ‘unallocated’ in 2019 and it will cease operations at two additional plants outside of North America by the end of next year.”[6]

This time, there must be no bailout for the company.  It must be allowed to fail and go out of business—which is exactly what GM did to many of its best dealers and their employees. In the process, long-time and loyal GM customers were hurt too, having been the source of monies to bail out the company.  No mercy was shown to any of them by GM’s management; and none should be shown to GM this time around.  This is true as well with respect to electric vehicles, and their taxpayer subsidies.[7]

 

Boycott GM

© 2018, Timothy D. Naegele


[1]  Timothy D. Naegele was counsel to the United States Senate’s Committee on Banking, Housing, and Urban Affairs, and chief of staff to Presidential Medal of Freedom and Congressional Gold Medal recipient and former U.S. Senator Edward W. Brooke (R-Mass). He and his firm, Timothy D. Naegele & Associates, specialize in Banking and Financial Institutions Law, Internet Law, Litigation and other matters (see www.naegele.com and Timothy D. Naegele Resume). He has an undergraduate degree in economics from the University of California, Los Angeles (UCLA), as well as two law degrees from the School of Law (Boalt Hall), University of California, Berkeley, and from Georgetown University. He served as a Captain in the U.S. Army, assigned to the Defense Intelligence Agency at the Pentagon, where he received the Joint Service Commendation Medal (see, e.g., https://en.wikipedia.org/wiki/Commendation_Medal#Joint_Service). Mr. Naegele is an Independent politically; and he is listed in Who’s Who in America, Who’s Who in American Law, and Who’s Who in Finance and Business. He has written extensively over the years (see, e.g., www.naegele.com/whats_new.html#articles), and can be contacted directly at tdnaegele.associates@gmail.com

[2]  See http://www.wsj.com/mdc/public/page/2_3022-autosales.html#autosalesE (“Auto Sales“); see also https://naegeleblog.wordpress.com/2015/11/30/a-34-trillion-swindle-the-shame-of-global-warming/#comment-14697 (“Is General Motors Failing Again?”) and https://naegeleblog.wordpress.com/2015/11/30/a-34-trillion-swindle-the-shame-of-global-warming/#comment-14324 (“The Passing Of An Auto Giant”)

[3]  See https://en.wikipedia.org/wiki/William_Clay_Ford_Jr. (“William Clay Ford Jr.”) and https://en.wikipedia.org/wiki/Alan_Mulally (“Alan Mulally”)

[4]  See https://naegeleblog.wordpress.com/2015/11/30/a-34-trillion-swindle-the-shame-of-global-warming/#comment-14324 (“The Passing Of An Auto Giant”)

[5]  See, e.g., https://en.wikipedia.org/wiki/General_Motors (“General Motors”)

[6]  See https://www.cnbc.com/2018/11/26/gm-unallocating-several-plants-in-2019-to-take-3-billion-to-3point8-billion-charge-in-future-quarters.html (“GM to halt production at several plants, cut more than 14,000 jobs”); see also https://www.freep.com/story/money/cars/general-motors/2018/11/26/ontario-plant-closure/2112539002/ (“GM closing Hamtramck, Lordstown, Oshawa plants, cutting jobs”)

[7]  See, e.g., https://naegeleblog.wordpress.com/2015/11/30/a-34-trillion-swindle-the-shame-of-global-warming/#comment-10525 (“The Swindle And Shame Of Global Warming: Electric Cars”)

It is clear that the boycott movement is growing.

See, e.g., https://www.google.com/search?q=Boycott+General+Motors&oq=Boyco&aqs=chrome.0.69i59j0j69i57j0l3.6839j0j8&sourceid=chrome&ie=UTF-8





Remembering The Comfort Women, Victims Of Human Trafficking And Slavery

25 10 2018

 By Timothy D. Naegele[1]

To its credit, PBS aired an extraordinary film entitled “The Apology,” which followed “three former ‘comfort women’ who were among the 200,000 girls and young women kidnapped and forced into military sexual slavery by the Imperial Japanese Army during World War II. Seventy years after their imprisonment, the survivors [gave] their first-hand accounts of the truth for the record, seeking apology and the hope that this horrific chapter of history [will] not be forgotten.”[2]

I have written about such comfort women or sexual slaves[3], and about human trafficking[4], and about the victims of Joseph Stalin’s and Mao Tse-tung’s holocausts[5] and other holocausts in history.[6]  The last victims will be gone soon; and what they lived through may die with them unless steps are taken now to insure that they did not die in vain.  The #MeToo and similar movements worldwide[7] should honor these women; and act to protect those who are victims of slavery and human trafficking now, such as the brave women of Afghanistan and those who have fled unspeakable violence in the Middle East.[8]

In 2009, I wrote about human trafficking:

Lots of Americans may not know that human trafficking exists in the Twenty-First Century, much less in their hometowns and where they work. . . .

Years ago I read an article about a Korean girl who began as a “comfort woman” for the Japanese military during World War II.  She and other women traveled with the military, and were forced to provide non-stop sex to Japanese soldiers.  Toward the end of the war, somehow she escaped and made her way back to Korea where her family disowned her because of the shame that she had caused them.  She married, to an abusive husband, and finally left that marriage and found happiness with another Korean man.

Also, I read an article about a woman in the former Yugoslavia who was caught up in the fighting there, and lost both her husband and son, and ended up in a refugee camp.  There, she and other women were told about opportunities to become secretaries across the Adriatic in Bari, Italy where I have been years ago.  When she arrived, she and the other women were forced into prostitution.  Only when the Italian police raided the house where she was enslaved did she escape.

There are approximately 50,000 human slaves in the U.S., and more than a million worldwide.  It is so tragic, yet little or nothing is being done about it. . . .

Every year we read about lots of cases here in the U.S., where children are kidnapped and never found again.  Clearly, the case of Jaycee Lee Dugard, an 11-year-old girl who was kidnapped from South Lake Tahoe in 1991, and who was found alive recently, riveted national attention.  She was kept as a sex slave; however, her story is not unique.  There are lots of women like her in the United States and elsewhere in the world today.  Men are victims as well. . . .

Too often when we hear of such stories, we think that it could never touch our lives or the lives of our loved ones or friends.  Tragically, that is what Jaycee Lee Dugard’s family thought; and the same was true of the family of Elizabeth Smart whose kidnapping occurred on June 5, 2002, when she was abducted from her Salt Lake City, Utah bedroom at the age of 14.  She was found nine months later, after having been held as a sex slave too.[9]

Since I wrote those words, the numbers have increased both in the United States and globally.

In 2010, I wrote about Stalin’s and Mao’s holocausts:

Aside from ordering the killing of those in the Soviet hierarchy, it is estimated that Stalin was responsible for the deaths of more than 30 million men, women and children—his own countrymen—including millions during the collectivization of the Soviet farms in the 1930s.

. . .

[A]s the Soviets moved through Germany, they raped at least two million German women in what is now acknowledged as the largest case of mass rape in history.

. . .

China’s Mao Tse-tung was directly responsible for an estimated 30-40 million deaths between 1958 and 1960, as a result of what Mao’s regime hailed as the “Great Leap Forward.”  Like Stalin, Mao’s crimes involved Chinese peasants, many of whom died of hunger from man-made famines under collectivist orders that stripped them of all private possessions.  The Communist Party forbade them even to cook food at home; private fires were outlawed; and their harvests were taken by the state.  Those who dared to question Mao’s agricultural policies—which sought to maximize food output by dispossessing the nation’s most productive farmers—were tortured, sent to labor camps, or executed.

More than 60 million human beings are forgotten, seemingly having disappeared without a trace in the Soviet and Chinese Holocausts of the 20th Century, as if they never existed or were swallowed up by history.  Yet they did exist, and they might have produced descendants numbering in the hundreds of millions today.  One can only conjecture as to the contributions they would have made to mankind, which are forever lost like the contributions of those Jews, Gypsies and others who were killed in the Nazi Holocaust, and by Japan, and by Pol Pot, and in Africa.[10]

Sexual predators of all kinds and degrees—such as Hollywood’s Harvey Weinstein, Roman Polanski and Bill Cosby—must be pursued for the rest of their lives, nonstop, without ceasing.[11]  More must be done to end human trafficking and slavery, and the actions of sexual predators.  Nothing less will suffice.

 

The Apology

 

© 2018, Timothy D. Naegele


[1]  Timothy D. Naegele was counsel to the United States Senate’s Committee on Banking, Housing, and Urban Affairs, and chief of staff to Presidential Medal of Freedom and Congressional Gold Medal recipient and former U.S. Senator Edward W. Brooke (R-Mass). He and his firm, Timothy D. Naegele & Associates, specialize in Banking and Financial Institutions Law, Internet Law, Litigation and other matters (see www.naegele.com and Timothy D. Naegele Resume). He has an undergraduate degree in economics from the University of California, Los Angeles (UCLA), as well as two law degrees from the School of Law (Boalt Hall), University of California, Berkeley, and from Georgetown University. He served as a Captain in the U.S. Army, assigned to the Defense Intelligence Agency at the Pentagon, where he received the Joint Service Commendation Medal (see, e.g., https://en.wikipedia.org/wiki/Commendation_Medal#Joint_Service). Mr. Naegele is an Independent politically; and he is listed in Who’s Who in America, Who’s Who in American Law, and Who’s Who in Finance and Business. He has written extensively over the years (see, e.g., www.naegele.com/whats_new.html#articles), and can be contacted directly at tdnaegele.associates@gmail.com

[2]   See http://www.pbs.org/pov/theapology/video-theapology/; see also https://naegeleblog.wordpress.com/2009/12/28/human-trafficking/#comment-6922 (“Japanese Sadism, Amnesia And Denial, But No Contrition”) and https://naegeleblog.wordpress.com/2009/12/28/human-trafficking/#comment-2174 (“Shame On Japan”) and http://thevillager.com/2017/10/25/comfort-women-statue-remembers-victims-of-sexual-slavery/ (“‘Comfort Women’ statue remembers victims of sexual slavery”)

“The Apology” may be watched online in its entirety.  See http://www.pbs.org/pov/theapology/video-theapology/

Watching the film today is a sobering experience, as the survivors are condemned and cursed in Japan as “prostitutes,” “dirty old bitches,” “Korean whores,” “society outcasts” and the like.

Three of the women shown in the film are Gil Won Ok, or simply “Grandma Gil” from Korea; “Grandma Cao” from China; and “Grandma Adela” from the Philippines.  The latter’s photo is used with this article—and she is dead now.

See also https://en.wikipedia.org/wiki/The_Korean_Council_for_the_Women_Drafted_for_Military_Sexual_Slavery_by_Japan (“The Korean Council for the Women Drafted for Military Sexual Slavery by Japan”)

[3]  See, e.g.https://naegeleblog.wordpress.com/2009/12/28/human-trafficking/#comment-7778 (“The Tragic Story of Comfort Women“)

[4]  See https://naegeleblog.wordpress.com/2009/12/28/human-trafficking/ (“Human Trafficking”)

[5]  See https://naegeleblog.wordpress.com/2010/02/06/the-silent-voices-of-stalin’s-soviet-holocaust-and-mao’s-chinese-holocaust/ (“The Silent Voices Of Stalin’s Soviet Holocaust And Mao’s Chinese Holocaust”)

[6]  See, e.g.https://naegeleblog.wordpress.com/2015/12/31/is-israel-doomed/#comment-8618 (“The Nazi Holocaust Remembered”)

A very important film to watch in its entirety is Claude Lanzmann’s “Shoah.”

See https://en.wikipedia.org/wiki/Shoah_(film) (“Shoah (film)”)

[7]  See, e.g.https://en.wikipedia.org/wiki/Me_Too_movement (“Me Too movement”)

[8]  See, e.g.https://naegeleblog.wordpress.com/2009/12/28/human-trafficking/#comment-8632 (“The Fate Of Lina Zinab: Is Life Fair?”)

[9]  See infra n.4.  The world must never forget about the UK’s Madeleine (or “Maddie”) McCann either, who disappeared in Spain.

See, e.g.https://www.dailymail.co.uk/news/article-6153495/Hunt-Madeleine-McCann-shelved-THREE-WEEKS-fear-missing-girls-parents.html (“Hunt for Madeleine McCann could be shelved within THREE WEEKS fear the missing girl’s parents”)

[10]  See infra n.5.

[11]  See, e.g., https://naegeleblog.wordpress.com/2017/05/16/americas-newest-civil-war-2017-and-beyond/#comment-12196 (“THE VERY ESSENCE OF HOLLYWOOD’S DEPRAVITY”) and https://naegeleblog.wordpress.com/2010/09/24/washington-is-sick-and-the-american-people-know-it/#comment-11474 (“SICKO SEXUAL PREDATOR ROMAN POLANSKI IS TARGETED FINALLY!”) and https://naegeleblog.wordpress.com/2010/09/24/washington-is-sick-and-the-american-people-know-it/#comment-13133 (“Finally, The Beginning Of Justice For Hollywood’s Serial Rapist, Bill Cosby”) and https://naegeleblog.wordpress.com/2010/09/24/washington-is-sick-and-the-american-people-know-it/#comment-11735 (“HOLLYWOOD’S SICKNESS CONTINUES UNABATED: BOYCOTT ITS FILMS!”) and https://naegeleblog.wordpress.com/2010/09/24/washington-is-sick-and-the-american-people-know-it/#comment-11585 (“BOYCOTT HOLLYWOOD AND ITS FILMS!”); see also https://naegeleblog.wordpress.com/2012/04/25/is-google-becoming-microsoft-or-worse/#comment-14975 (“Has Amazon Joined The Ranks Of Google And Facebook In Despicable Leftist Censorship?”) and https://naegeleblog.wordpress.com/2010/09/24/washington-is-sick-and-the-american-people-know-it/ (“Washington Is Sick And The American People Know It“) and https://naegeleblog.wordpress.com/2010/10/04/john-f-kennedy-the-most-despicable-president-in-american-history/ (“John F. Kennedy: The Most Despicable President In American History“) (see also the extensive comments beneath the article) and https://naegeleblog.wordpress.com/2010/10/04/john-f-kennedy-the-most-despicable-president-in-american-history/#comment-12868 (“The Kennedy Brothers Killed Mary Jo Kopechne”) and https://naegeleblog.wordpress.com/2009/12/05/is-barack-obama-a-racist/#comment-2830 (“The Truth About Martin Luther King, Jr. Emerges . . . Finally“) and https://naegeleblog.wordpress.com/2010/09/24/washington-is-sick-and-the-american-people-know-it/#comment-7185 (“Clinton Fatigue”)





Tragic: Three University Of California Campuses Rank As The Most Dangerous In The USA

13 10 2018

 By Timothy D. Naegele[1]

The seemingly-innocent and idyllic University of California, Santa Barbara—perhaps the only college campus located directly on one of the world’s great oceans—has been ranked at the very top of a listing  of “America’s Most Dangerous Universities.”  Its sister campuses of UCLA and Berkeley rank as #2 and #19 respectively.[2]  This tragic “honor” demands immediate attention, remedies, “fixes,” and careful and unending scrutiny by all who care deeply about the University of California and its ten campuses.[3]

Instead of attacking the messenger or the study’s findings—and in keeping with the words that appear on the University of California’s seal, “Let There Be Light”—positive, proactive steps must be taken immediately to address the critical problems. Neither these three nor any other U.C. campuses should appear on this or any similar listings ever again. Actions must be taken now before life-changing or -ending tragedies occur.

The University and each of its campuses owe this to their students, parents, alumni, faculty members and other employees, the communities in which they are located, and to all Californians whom they serve. Clearly, the vast number of American universities have never appeared on this or any other similar listings. They must be doing something right; and arguably they can provide valuable lessons and guidance to the University of California, UCSB, UCLA and Berkeley.

Indeed, UCLA’s archrival in sports, the ghetto-bound University of Southern California, did not make the list.  Leadership is needed now, more than ever before.  It counts for nothing that UCLA was considered the most difficult American university to get into, for its entering freshman class in the fall of 2018.  Similarly, all of the U.C.’s Nobel Prize winners mean nothing if the campuses are not safe for students, faculty, visitors and the like.

University of California

 

© 2018, Timothy D. Naegele


[1]  Timothy D. Naegele was counsel to the United States Senate’s Committee on Banking, Housing, and Urban Affairs, and chief of staff to Presidential Medal of Freedom and Congressional Gold Medal recipient and former U.S. Senator Edward W. Brooke (R-Mass). He and his firm, Timothy D. Naegele & Associates, specialize in Banking and Financial Institutions Law, Internet Law, Litigation and other matters (see www.naegele.com and Timothy D. Naegele Resume). He has an undergraduate degree in economics from the University of California, Los Angeles (UCLA), as well as two law degrees from the School of Law (Boalt Hall), University of California, Berkeley, and from Georgetown University. He served as a Captain in the U.S. Army, assigned to the Defense Intelligence Agency at the Pentagon, where he received the Joint Service Commendation Medal (see, e.g., https://en.wikipedia.org/wiki/Commendation_Medal#Joint_Service). Mr. Naegele is an Independent politically; and he is listed in Who’s Who in America, Who’s Who in American Law, and Who’s Who in Finance and Business. He has written extensively over the years (see, e.g., www.naegele.com/whats_new.html#articles), and can be contacted directly at tdnaegele.associates@gmail.com

[2]   See https://insurify.com/insights/ivory-tower-incidents-americas-most-dangerous-universities/ (“Ivory Tower Incidents: America’s Most Dangerous Universities”) [Ivory Tower Incidents-America_s Most Dangerous Universities-Insurify]

[3]  See, e.g.https://en.wikipedia.org/wiki/University_of_California (“University of California”)

On a personal note, the author attended all three U.C. campuses; he has degrees from two of them, UCLA and Berkeley; and he has been deeply involved with UCSB—where he served as Vice President of the Freshman Class, President of the Sophomore Class, and Vice President of the student body.  Also, he has served on the Board of Directors of the UCSB Alumni Association (1980-86), and as a Trustee of the UCSB Foundation (1987-1990); and his family members are UCSB graduates.








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