The voice of Joyce: Poor Monetary Policy! 

It’s so easy to rationalize bad decisions. First we abolished Glass STEAGALL. Why? We allowed Bankers to break the law repeatedly , in effect, gutting the law. We could have said no to the law breakers, but they were Bankers and Bankers, unlike the poor “pot dealer”, gets a pass! Then we allowed credit default … More The voice of Joyce: Poor Monetary Policy! 

The Voice of Joyce : want Trillions to spend now? #TAXRISK

I listened to Barney Frank defend DODD Frank today and I’m outraged.  He rails against derivatives now, but where was he during the Fannie and Freddie debacle?  ( For insight into the Fannie and Freddie collapse, read Gretchen Morgenson’s excellent book, “Reckless Endangerment”.)    He’s counseling Hilliary Clinton. That’s funny, she has teams of Economists … More The Voice of Joyce : want Trillions to spend now? #TAXRISK

The Voice of Joyce: “The Butterfly Efeect” When we the people speak

Why is ISIS effective? It’s a grass roots organization. They have a mission, and their followers agree with the mission and will carry out the mission without direction from the top. This is not a hierarchical organization. It is a fluid, synaptic organization. Not confined by boundaries. Rather it grows by communications with diverse groups … More The Voice of Joyce: “The Butterfly Efeect” When we the people speak

The Voice of Joyce: We the people must speak! 

 We the people, have been duped into supporting the Corporate welfare state , encouraging stratospheric corporate CEO salaries while the rest of us pick up the crumbs of low wages. . There are reasons the middle class has been wiped out. One reason: we’ve let Banks and Bankers run amok, as we gutted Sensible Financial … More The Voice of Joyce: We the people must speak! 

The Voice of Joyce: Algorithms are an unfair advantage

I finally understand why millisecond trades are like Insider Trading and an unfair advantage!  I now realize, it’s not that they purchase subscriptions to trade in milliseconds, or that they buy  stocks in bulk,  it’s ” the algorithms “, that make their trading unfair, uncompetitive and something I can’t follow and read about.   ” … More The Voice of Joyce: Algorithms are an unfair advantage

PUBLIC ADVOCACY:  GRETCHEN MORGENSON, We need your help ! 

Gretchen Morgenson What do you think?  These laws were submitted to the SEC FOR REVIEW in November , 2014, the author has not head from the SEC to date.    He’s curious, since his proposed legislation attempts to codify the fiduciary responsibility of brokers to clients, why wouldn’t the SEC embrace this clarification of the … More PUBLIC ADVOCACY:  GRETCHEN MORGENSON, We need your help ! 

PUBLIC ADVOCACY: The Ressurection of The Middle Class

The money trap: There is no Middle Class and folks seem to be comfortable with this fact. Can there ever be a Middle Class again? The short answer is , “Yes”, if ” we the People” become involved in controlling our destiny? What do I mean? There is no way for the ” Powers in … More PUBLIC ADVOCACY: The Ressurection of The Middle Class

PUBLIC ADVOCACY: We the people get the scraps!

Wake up Congress this is how ” we the people” view you and the upper 1%. Not a pretty picture, as we beg for scraps. But no more. We the people are looking for real solutions, we proposed  our ” game plan” and we’d like you to respond and start a dialogue with US. At … More PUBLIC ADVOCACY: We the people get the scraps!

PUBLIC ADVOCACY: A letter to Elizabeth Warren/John McCain & Al Franken, Sherrod Brown & Bernie Sanders!

An open letter to the following Senators: Dear sirs and Madame: ” We the people, for the people”, has meaning to US and we need your help. Through my word press Blog, I have a dedicated Community of 42,000 + People,  representing the USA predominantly and 55+ Countries.   I Blog about Public Advocacy and … More PUBLIC ADVOCACY: A letter to Elizabeth Warren/John McCain & Al Franken, Sherrod Brown & Bernie Sanders!

PUBLIC ADVOCACY: Stimulus? Jobs! Morning in America

Now that the mid term elections are upon us and 2016 is being talked about, expect the stimulus to flow!  But what’s the difference, the money will benefit a few, while the rest of the Middle Class remains mired in debt, with no job prospects and without “hope for a better life”.  Nothing has changed … More PUBLIC ADVOCACY: Stimulus? Jobs! Morning in America