Under a Spell – 2016 Machinations in New York and in General

John Lett (About) (Sessions) (tarotworldtour YouTube)    005

There is a pervasive feeling that we are standing on the precipice of something unknown and a new modality of living. These moments are not unknown in the human experience but right now, anecdotally speaking, you will notice a number of your friends are undergoing traumatic aberrations as we all begin to reposition ourselves for new scenes. The memories of the 2008 to 2010 (and never fully recovered from) world economic meltdown are fresh enough that many of us have vowed to never be financially vulnerable in such a manner ever again and have arranged our lives accordingly.

On perhaps a more trivial and superficial front, two key influencing nations find their brands at a crossroads. First the UK will have a referendum to see if it will remain in the EU, while US President Barack Obama tours through Europe to remind the constituency of all the advantages of membership while trying to push through a not-so-talked-about free trade deal with Europe. Then of course in November the US votes for the next president for the 2017-2021 term. I want to focus on a number of aspects of the latter and how I see some serious psy ops underway.

Every US presidential election in modern history has been carefully managed by the shadow establishment – every thinking person knows this. Occasionally some groundswell may occur that brings about a populist candidate, but these candidates are either coerced into integration into the system, used for token opposition, used as scapegoats in a constructed conflict situation, or in some rare but not rare enough instances, summarily made to look as though they have committed suicide or overdosed. All of the above tactics are old hat techniques going back centuries but a segment of the population is getting harder to manage from an information flow perspective – we are clearly in an era of cynical realizations and where artifice is more fallible.

In January, I had a dream that there were rival factions of angels above vigorously fighting over what future is set for us politically in the United States. I have believed since 2013 or 2014 that Hillary Clinton will be our next president. I do believe in 2015 and 2016 this future was contested by Bernie Sanders and this has largely been fueled by people wanting to take ownership of their existence and take the US standard of living to the ideals we have been espousing since its inception. However, what happened in New York during their primary this April (2016) has seriously hampered the possibility of this alternative future. Listen to your hearts, dear readers – you can conceive of the possibility that Hillary Clinton won the Democratic primary by some degree but with 58% of the vote, and in districts where the vast majority of the population consists of people in their 20s and 30s who are hipsters, artists, non-profit workers, public sector workers, and volunteers? I believe and nearly venture to say I know that Hillary Clinton had to win this state or else and the old Tammany Hall machine saw to it.

Granted, Bernie Sanders has not been behaving or speaking as virtuous as the constituency expects, and he is as fallible and flawed as anyone else, and he is a career politician. Furthermore, his election would induce conflict and turmoil of huge proportions and would probably not go on to a second term. Is it a lack of competence? No. But if one has ever seen the British TV series A Very British Coup, one can see a near template of what would ensue – sabotage on the part of the Establishment causing an orchestrated commodities, banking, public services, and industry collapse. But the question and answer is – is it morally superior and worth the effort? Absolutely, yes.

I think that this possibility is all but squashed at this point and yet I also know that that is the strategy being applied to the psyche of the people. Until now a number of people have been able to overcome this frequency or spell that is at work but something on the Tuesday primary in New York changed everything. I don’t want to succumb to inevitability but I also don’t want to be delusional. The Clinton machine has probably taken over. The false paradigm of her being here to “save us from Donald Trump” has taken root in spite of the fact that a sizable portion of the population realizes or suspects that Donald Trump is a plant to cause a fake rivalry between Clinton and himself. He will not win the presidency, and this is not even a possibility among the elite, but he will gain a fourth fortune getting mileage out of this campaign and be a folk hero to the 25% of the adult population that votes for him. The despair and disengagement of the progressives and socialist elements also serves a great purpose to those in charge who need the weapons manufacturing, pharmaceutical, financial “GOD” (guns, oil, and drugs) economy running. Let us not totally disparage the only viable candidate that we have had to possibly overturn that system, though of course it would come with great material inconvenience for a few years to get out of that system.

I struggle to provide a solution or counter to any of these forces at work. They are too powerful and too sophisticated for anyone to take head-on. It always comes back to the same activities: boycotting the big box stores, investing in your friends and networks, pull away from the banal and horrible elements of society, and to not fall for the false paradigm arguments in society (believing wholeheartedly in the narrative presented to us of who the terrorist groups really are) or for distraction small scale social political issues. I think to get the same kind of political satisfaction we probably need to focus on local elections and our own Congress and Senate candidates, which get swept away by the once-every-four-years political Super Bowl.

No matter how we cut it, serious lifestyle adjustments are not far around the corner – no later than in the next year or two we will see the limitations of our energy, food, and water resources. With this kind of distress taking place to the environment so close, does that change at all who you want to be the leading figure of the United States? Who is the most acutely aware of the reality of our situation?

One last thought – people want to boycott North Carolina for the transgender public restroom issue but will allow electoral fraud go on in New York? Sit on that thought a moment.

John Lett (About) (Sessions) (tarotworldtour YouTube)

Posted in Uncategorized | Tagged , , , , , , , , | Leave a comment

2016: Overturning Stagnation and Betrayal

John Lett (About) (Sessions) (tarotworldtour YouTube)20151220_125525

Many of you are rejoining us for the fourth year in a row that this annual prediction summary has been organized (2015: Debts, Miracles, and Good Conscience, 2014: The Year of Self-Assuredness, etc.). The most striking thing that was mostly correct was that Australia formed another government (or at least established a new prime minister) yet again in 2015, although it happened three months sooner than I speculated from the cards. A noted inaccuracy is that at least in the allotted space of time, no countries broke off from the EU. As expected, the US economy started to sputter a bit, but it has not started affecting the population yet, particularly because oil is inexpensive (or depressed in value) and this extra savings has contributed to a little bit more prosperity in that country.

Dear God, please bless us on January 10, 2016 with useful, constructive, and accurate information in regards to this year, 2016. Please send positive angels and guides to allow me to accurately interpret what the cards, the guides, and You are saying and indicating.

Bear in mind our lead card for the year is a reversed Ace of Cups which suggests intense discord, worry, or what I interpret as awakening to a sense of betrayal. A lot of illusions will be broken this year.

What is the most important thing to know or understand in 2016?

PAST, PRESENT: Six of Pentacles; Ten of Swords20160110_184440

In spite of what may be reported, most people are coming into 2016 with their eyes open in that they are grateful for their financial and material security if they have it and they comprehend their privileged place in the world. They understand their unique place in the world. Syria and the Paris attacks have contributed the most to their gratitude for not being directly implicated. However, the swords are an indicator that people are on edge because they feel a definite end to an era. Like in 2008 when the economy collapsed, smartphones started coming in, and a strong sense of change came about with new styles of governance, a similar overhaul is coming in. Some people react to this by embracing extreme nationalism and arming themselves, whereas others will want to move with the times in technology and robotics, and still more will want to get back to the basics. None of these thoughts are new but the intensity and fear are more tangible in spite of stronger stability in the last few years. In other words, it’s a time of appreciation ahead of dramatic changes that may compromise our standard of living.

FUTURE/APPLICATIONS: King of Wands; Ten of Pentacles, rev.

The most important thing to remember is the sovereignty of the human spirit, soul, and magic that underpins our purpose in being on Earth. Humanity has tremendous personal and collective power. The King is a stable figure and Wands represents magic, and in this context it is a reminder of your wonderful capacities to create, be inspired, and connect in humane, informed ways. This awareness of integrity will hold us together in challenging moments. Pentacles in reverse is a negative indication in regards to inheritances, legacies, and generational interaction. This reminds me of the issue I foresee with retirement accounts, pensions, annuities, and all sorts of public funds coming under threat more than ever this year. Organized labor will be loud this year and some tremendous layoffs may cause social problems between various age groups and there is risk of turning against each other where money is concerned when it is discovered that accounts are underfunded. I think the epicenter of this will be Europe and quickly it will spread to all of the northern hemisphere and Australia.

There is also a great deal of conflict with how generations react to the next crisis. The younger population will have to break with norms against what predictably worked for their parents or grandparents in previous years. Much more interdependency will be required (sharing of resources, less conspicuous consumption and investment) than was typical in the post-World War II to 2008 period.

Where should our money be? How can it be safe?

FUTURE/APPLICATIONS: XXI: The World, rev.; IX: The Hermit

This is a very confusing year with commodities fluctuations. The meaning could not be clear. Keep the money close to you where you can get it easily. I feel at closing of 2016, oil may be around $60 a barrel or that will be the average for the year. Again, pensions might often be totally bankrupted this year and particularly offshore investments look very dodgy and hard to collect, which may have something to do with global exchanges becoming more erratic. The world is turned upside down so I could see tiny countries, islands, or southern hemisphere countries having better returns than what is usual. Argentina will have some recovery this year, a small bright spot.

The Hermit indicates laying low and enhancing your networks. Concentrate on bringing value close to home and being cognizant of helping out friends in your network. Make the money work in visible ways that are in your community and stick to what you know.

What are some major health issues or improvements to expect in 2016?

FUTURE/APPLICATIONS: Eight of Swords; Three of Wands, rev.

I see a lot of secrecy and restraint this year. I am affected by news that I have seen in regards to price fixing and manipulation in pharmaceuticals but I think that it is going to be harder for people to get the medicine that may resolve health issues. Also, discord among intellectuals on how to proceed and politics in that system will prevent some major breakthroughs. It is not until the 2020s that we will see almost warp speed progress and tackling of maladies.

What kind of new government can we expect to be elected in 2016 and inaugurated in 2017 in the US?

FUTURE/APPLICATIONS: The Sun, rev., Two of Pentacles, rev.

The next president and government will have tremendous challenges in front of them. I expect the severity of structural problems to be laid squarely in the open by the time the next president takes office rather than unfolding exclusively during their administration. The Two of Pentacles in reversed means a decoupling of institutions. I see in this a breakdown of the two-party system, at least in this cycle. A primarily three-party race will leave a lot of doubt and unhappiness with the results of the election and redefining of what each party is. Immediately a lot of the ideals that led the winner’s campaign will be dismantled in part out of necessity to compromise with the 50-60% of the electorate that did not vote for the winner.

Who will the next president of the United States be?

FUTURE/APPLICATIONS: XVI The Tower; Knight of Cups

I hesitate to ask this because there is no card with a name on it. I also have been sensing and telling people for some time that I believe Donald Trump is an intentional spoiler to ensure the election of Hillary Clinton to the office. Bernie Sanders as of this writing is probably the people’s choice for president, but his advanced age (relatively) is a known hindrance.

The cards are extremely difficult to read, but they do indicate calamity. I can say with certainty too that the youth turnout and passion will drive the election. If the US were a more revolutionary oriented country further to the south, I would say that a complete overthrow or new way of governing would take hold. Open rivalry between defense companies and the desires of the people may take hold. This may be the year of more visible cohesiveness between Mexico, Canada, and the US. The Knight also suggests a youthful, idealistic candidate, but I can’t see who this could be because the most likely candidates are not notably youthful. I have never encountered a message from a card pairing quite like this before, but I read it as aspiring to and holding on to what could be. The future is not written in stone, but rather a few different courses are available to take, and different realities one can live in.

This pairing says to go ahead and move boldly forward. Do not go for the status quo or compromise in an unethical way. Go against logic and seek the highest possible vibration, greatest moral and social ideal of all encompassing inspiration in this election cycle. There are three strong players who are depending on a sense of inevitability to get themselves elected (Hillary Clinton, Donald Trump, and Jeb Bush). Seek out and imagine spontaneous joy that spreads around the world to turn the dark course around. At this time, it is more likely for a dark drudgery to take hold but by visualizing something amazing and funding an amazing lifestyle of abundance, it can be overcome. Very dramatic change and departure of financial norms will happen either way.

Interpret this as you may. I do not want to put an inevitable out there.

Will the legacy of the Justin Trudeau government in Canada be successful and positive?

FUTURE/APPLICATIONS: The High Priestess, rev.; Eight of Wands

The new government of the Liberal majority in Canada feels progressive and different from other governments in the world right now, with a positive if somewhat unprofessional or inexperienced vibe to it also.

These cards suggest some of the dirty deals of Canada coming to light tempering the electorate with some cynical realities. Margaret Trudeau or wife Sophie may be disliked or revealed to have some kind of financial advantage that is questionable. I see him being the leader of Canada for a total of six years with lesser support the second time he is elected but enough to get his party re-elected. Canada’s world image is going to improve under this administration and the population is more politically aware and optimistic as a result of getting him elected and overcoming the Harper era, so this period reflects as positive in spite of a mild recession and lackluster economic performance hovering over the country during this entire period.

Will there be any resolution to the Syria problem/Civil War soon (in 2016)?

FUTURE/APPLICATIONS: King of Cups, rev.; Knight of Wands, rev.

Assad will not capitulate to what the western financial and military powers want in spite of the fact that Putin and lesser armed rivals cannot significantly help in proxy wars. There is no benevolent leadership or idealistic leader to help. Putin’s assistance may taper off. Refugees remain largely stateless on paper but I believe will mostly remain in Europe because they were allowed to go there to destabilize the continent financially and culturally (through no fault of their own). The Knight of Wands in reverse suggests some gang formation in Europe.

Will Islamic State/Daesh and terrorism be controlled and on the way to defeat this year?

FUTURE/APPLICATIONS: Judgment, rev., The Devil, rev.

Prejudice and misunderstanding of real forces at work with these groups will still reign, preventing real defeat from taking place. Most people working for governments, security, or the terrorist groups are all misled about who they are working for and for what cause, but I do not see enlightenment for the majority of the people involved or the general population. Economic problems in the Middle East and Europe increase the severity of these relations and this part of the world will see more so-called terror and tension.

Psychically speaking, I have been concerned about Canada more than other places and France and Belgium remain very tense this year.

What are some exciting and optimistic developments underway that are spreading organically and without as much effort?

FUTURE/APPLICATIONS: Four of Cups; X: The Wheel of Fortune, rev.

Taken outside The Merchant, a vintage store in downtown Topeka, Kansas, USA summer 2015. http://www.themerchantonline.com/

Taken outside The Merchant, a vintage store in downtown Topeka, Kansas, USA summer 2015. http://www.themerchantonline.com/

New foundations starting. This year is the year a lot of people will mark as the beginning of a particular chapter in their lives where it all started to change for the better with their relationships and they realized their real needs. A lot of good on the personal level starts now and human consciousness is getting more advanced and enlightened outside of the political arena. Tolerance wins more often than not.

There is a very bad turn trying to work its way into our reality now. I always ask my tarot clients to look at everything in 50- or 100-year chunks rather than year-by-year when it comes to world events. We are extremely powerful spirits but also there are circumstances where you have to ride the course of history until it gets to a certain point of where it needs to go rather than trying to push back too hard – otherwise you will get totally mowed over. Ride this turmoil with finesse and then stand upright again. I would still say to shoot for your ideals this year but do not resist, fight, or seem obstinate.

 

I wish everyone a happy, prosperous year where their dreams are realized and for our collective goodwill toward this planet and its inhabitants to overpower want and any lacking resources. We must visualize all of the people holding hands and forming a unified line stepping into a great future as one, not as rivals or separate camps.

 

John Lett (About) (Sessions) (tarotworldtour YouTube)

Posted in Tarot, Uncategorized | Tagged , , , , , , , , , , , , | Leave a comment

Regressions That Kicked My Biases and Prejudices in the Ass

Athens subway station, June 2012

Athens subway station, June 2012

John Lett (About) (Sessions) (tarotworldtour YouTube)  

Past life regressions have been a major subject of interest for me and it remains one of the top two more closely followed topics on this site. I recounted my first three last year (2014) at this site and have somehow neglected to go into details with the following three further ones I’ve underwent in 2015. Typically in this experience, the methodology that my guide uses involves visiting three lifetimes and two or three scene “drop-ins” during each lifetime, depending on what the mood dictates. I may eventually write a book expanding on what I have encountered, but for the time being, I think the most productive thing for everyone reading is to have some highlights and major themes discussed in brief, but in no particular order. My point here is to give light to themes and concepts I did not previously embrace or accept in my waking hours, and perhaps still do not.

CROSS-SPECIES INCARNATIONS AND SEEMINGLY INANIMATE OBJECTS

The most surprising incarnation I can recall this year was being some kind of tropical bird flying over Brazil. In my personal life, I do believe in reincarnation but not as other animals. I felt all the glories and dangers of being a bird, and I could also have some sense of more simplistic thinking. The vibrant colors with some visibility of heat or temperature was very pronounced. However, I did have the experience of being eaten by a larger predator bird after a time. This was reasonably painful but what was even more bizarre and unexpected is I also had the experience of still being alive when digested, and subsequently pooped out as fecal matter and being “rained into” the earth. The sense is very tingly and slimy, but not totally unpleasant. It really gave me a sense of full participation in the experience of living and gives a greater sense of value and connection to life systems.

CULTURAL BIAS IRRITATION

I did have one incarnation where I was an indigenous person in what I believe to be India now. It was impossible for me to place a time, future or distant past, on this lifetime because there was no evident means of measuring time. I was still somewhat plugged into contemporary western expectations but I can recall telling my regression guide that I was unhappy with the simplicity and collectivist activities of this lifetime. I can recall undergoing some kind of adult initiation ritual that I felt to be really stupid, the lack of commerce or meritocracy outside of ritual (no academic systems, complex bureaucracy, or the like) and constant group affiliation activities. This lifetime is harder for me to remember but it was a definite outlier and brief interlude of a short life just to get some sense of what this life experience type is like. I’m appreciative and sympathetic but have no desire to go back to this level of simplicity.

OVERLAPPING LIFETIMES

I was a firm believer or trapped in the perspective that we only can be one place at a time and that our souls experience one present at a time. However, I encountered a lifetime where I was in the Middle East in the 1980s (a time where I was also present in my known lifetime here in the US as a toddler). This was a highly stressful incarnation where I was by family relations and peers a reluctant “terrorist.” Without seeing specifics, I was a teacher or in a school, a male, and my peers were preparing to initiate an institution attack. I could not diplomatically stop them from doing it, and it may have been a suicide attack. While I already have some understanding of the group pressures and efforts to end western imperialism in the Middle East, it was a terrible sense of conflict and trying to mediate extremes. I also am now inclined to wonder if we are living out several existences at the same time and if this is could be an accurate attribution as to why we feel so connected to others far away, or have sudden anxiety for no apparent reason. Can we navigate in and out of the minds of others at other times, and is it a recording, or is it all happening simultaneously in God’s mind?

FANTASY AND FOLKLORE COMES TO LIFE

The most empowering past life regression experience I have had was yet another situation I am not sure is in any way feasible. I traveled into what is now Bavaria (Bayern) or the Black Forest (Schwarzwald) in present-day Germany. This was the 1300s and I was apparently a gnome. I have never studied the mythology of gnomes but what described a strange culture to my regression guide. These gnomes no longer exist because human society has become more humane and does not necessitate their existence. They were an all male order mostly only visible to children that existed as a justice valve in a highly barbaric time without mechanisms to correct what we would call severe abuse of both physical and sexual natures. These gnomes seemed to grow from the ground or manifest rather than be born and they would live a few hundred years in collectives where any judicial decision would have to be made collectively rather than with individual agency. I saw several images of perhaps a corrupt merchant or abusive parent and these gnomes would sometimes sabotage or damage property, and in more extreme cases, set fire to properties and totally wipe out a morally corrupt individual. I recounted that this species vanished a few hundred years later as civilizations became more organized.

 

There are many more regression revelations that came to pass in 2015 but these challenged my outlook and that is the greatest value building asset of the regression experience. We are meant to challenge the norms of our respective societies to some degree and undo some of our programming.

My first three regressions have been recounted in deep detail here:

John Lett (About) (Sessions) (tarotworldtour YouTube)  

Posted in spirituality | Tagged , , , , , , , , , , | Leave a comment

2016 Theme!

John Lett (About) (Sessions) (tarotworldtour YouTube)   20151222_165540

2015 is drawing to a close and I have been busy with 2016 readings for clientele, both new and returning. Soon I will be preparing the fourth annual global tarot reading. This can by no means be directed to every individual, but is rather a common experience theme encountered by the majority of individuals reading the material – a collective western or broader experience, if you will.

Both intuitively and from what I gathered last year, 2015 is the last year of a certain type of stability we have gotten used to, but by no means the beginning of any type of end.

Dear God: With solemn reverence and pure wishes and thoughts, please bless these cards with useful, clear, and accurate information that helps readers make informed decisions for their own betterment and the betterment of society. What is the presiding theme of 2016 for the world, or the world of most of our readers?

The resulting draw is the Ace of Cups in reverse.

Therefore to my estimation, this year’s force and theme is:

2016: Overturning Stagnation and Betrayal

I expect occasionally violent reactions as people “wake up” to the ending of an era of certain types of security, an experience we have witnessed with social contracts breaking down to some degree. On the individual level, many people are going to take stock of their lives and see that it has not all amounted to the returns expected or promised from and for their efforts. However, as with anything in a reversal, we can turn this card around to reach fulfillment and self-actualization with careful stewardship and taking it all as an opportunity for personal enrichment. It does seem like a very politically unstable year with established political orders in the world getting upset, at least cosmetically.

More to come in early January! Subscribe for free and for instant email delivery when the assessment is released. To see what was anticipated in 2015, the hits and misses, please visit 2015: Debts, Miracles, and Good Conscience.

John Lett (About) (Sessions) (tarotworldtour YouTube)

Posted in Uncategorized | Tagged , , , , , , , , , , | 5 Comments

Angel from the Rust Belt Hits Gritty 1970s and 80s New York Underground Art Scene

John Lett (About) (Sessions) (tarotworldtour YouTube)  lisafalour

In early January, it will mark one year since the reported passing of Lisa Baumgardner Falour, an underground artist of tremendous wit, variety of talent, and powers of observation. We covered her here to great response in March with the Remembering Lisa Falour post (which includes a few videos and other resources with information about her), and at some point by early next year, I’m planning to release some of our correspondence. I feel confident that her spirit is in agreement with me doing this because several of the people in our YouTube circle experienced her BCCing (blind carbon copying) other individuals in her emails, often without our knowledge, if she felt that somehow relevant information was going to be passed. She was not discrete in this regard, and yet somehow it is for our entertainment and shock in these subsequent years. She often wrote to me and others in emails “Leave it to my biographers to sort out!” So that’s what we’ll do and perhaps others will be inspired to pick up her story.

As a preview of what to expect in these exchanges (actual names will be removed where necessary and appropriate), I found a lengthy video of hers that I had somehow missed, probably because of its length. This is her scrapbook which corroborates much of what she disclosed, which is phenomenal in that so much of what she told seemed embellished but wasn’t – it was all so varied and larger than life. So we’ll catch you again soon with the informal release of ULTIMATE LISA. In the video below, she mentions Keith Haring, William S. Burroughs, Jack Handey and Saturday Night Live ties, and shares related notes and scraps placing her firmly in the hippest and most edgy settings of New York in the 1970s, 80s, and early 90s.

 

 

 

PLEASE BE WARNED – SOME OF THE IMAGES SHOWN MAY BE OFFENSIVE TO SOME READERS AND VIEWERS AND MAY NOT BE SUITABLE FOR INDIVIDUALS 19-YEARS-OLD OR YOUNGER (I have not seen every moment of the clip, but rather listened to it in its entirety):

 

 

John Lett (About) (Sessions) (tarotworldtour YouTube)  

Posted in Uncategorized | Tagged , , , , , , , , , , , , , , , , , , , , , , , | 4 Comments

Regression Anticipation

John Lett (About) (Sessions) (tarotworldtour YouTube)    016

I am very excited to be doing another past life regression today (I hesitate to call it that full term given that I spend as much time in versions of centuries into the future as I do the past). It is without hesitation that I tell you regressions are probably my favorite thing to do, which my regressionist friend jokes to her friends and clients about my zeal. I have had two further ones that I did not write about because I’m holding back some of the material for a longer, bigger writing project. If anyone wants to know more about the experiences, don’t hesitate to ask, but my first three have been recounted in deep detail here:

A regression is not necessarily revealing literal events, but they certainly are vivid enough to be real.

John Lett (About) (Sessions) (tarotworldtour YouTube)

Posted in spirituality | Tagged , , , , , , , | Leave a comment

Neoliberalism Follies, Part IV: Credit Scores

John Lett (About) (Sessions) (tarotworldtour YouTube)Banking394443_738618131769_580483637_n

My knowledge of the history of credit is rather limited, which is something I discover at a greater scope and in more dimensions daily. I have read a number of business and finance books and yet examining the personalized ramifications of it all never did appeal to me because I have always been consumed by wishing to not have any debt.

I financed my bachelor’s degree in the US and master’s degree in Canada, as well as advancement or continuing education certificates by saving from earnings and then paying by cash or check VISA card from my financial institution. When I overheard current colleagues in Kansas speaking about point reward systems with their American Express and Wells Fargo VISA cards, I began applying for these cards and was systematically declined for all cards that I applied for. Another friend and colleague advised me to visit creditkarma.com (a resource that has proved to be indispensable – and as luck would have it, free) and it was there that I learned that my score was 636. In the United States, the credit score system ranges from 300 to 850. An industry standard I have found indicates that under the score of 640, one will have great difficulty getting an unsecured card (one which does not have some kind of deposit for collateral). In my case, I have no demerits or negative remarks in the factors leading to my final score – it is a matter of not having utilities or loans in my name. In effect, I do not exist in the credit system.

I did believe that I would be able to get an unsecured (no collateral down) credit card through my bank. What they offered me after 15 years of having significant deposits in two accounts was to place $2,000 in a 2-year Certificate of Deposit (Term Deposit) at 0.3% interest, a form of security, and then I could graduate to an unsecured card. I felt very slighted by this proposal, so I instead went with a CapitalOne MasterCard, which allowed for me to place a $99 refundable deposit for a time until my credit score may build up. This card is noted for reporting to major credit agencies in the US, and after several months to a year of paying down each payment monthly, many users report their credit score surging up by 100 to 150 points.

I have always said that the only thing good credit does is enable you to go into more debt. However, gaming the system is crucial to survival in an era where virtual money will continue to play a larger role in our lives. It takes reading 19th century novels to fully understand how creditors operate – the severity of the situation has been downplayed in our modern language. Wealthy individuals and organizations flush with cash can get financing for free or even get the subsidy of governments and then as you work down to those with less clout and information at their disposal, the costs multiply. The best way of looking at these figures is like this. If you have an individual who makes $2,000 a month and is able to save $200 a month, but then they experience an increase in fees from a service or utility they use by $50, their rate of savings has plunged by 25%. An individual who makes $2,500 and who saves $700 on the other hand would have a savings rate dip of 7% under these circumstances, and may also have more resources to offset this other loss.

What I have learned from creditkarma.com is that a person with a small income should consider using credit on a very small, manageable scale in order to have a war chest at their disposal in an emergency. My scoring situation is still ongoing, but I have learned that be utilizing (using) between 1 and 30% of my available credit and paying off the balance, the score should increase more quickly. I have borrowed $2,000 from another bank I have worked with for a six month term and set up automatic payments so that the score can be boosted further.

It seems like a Kafkaesque situation that there are punitive structures in place for individuals that pay cash or do not have debt. Any loan or credit card application does not question your higher education background or have any way of measuring outright cash purchases, so it is my belief that the scoring system is not designed to truly reflect one’s ability to pay a debt, but rather 1) to see how strong of a consumer you are and show your attractiveness as a big spender, and 2) create a situation whereby one is rewarded for moving away from cash. We will continue to see a war on cash, portraying it as a vehicle for tax evasion, money laundering, and a danger to carry around for fear of being robbed – all of which is true, but bear in mind that it does not come with the same administrative costs and fees that credit cards do for the merchants.

My personal aim is to get the rewards bearing cards, returning 1 to 6% on my purchases, but only to use the cards with large players and chains, while sticking to cash with local and small businesses, giving them a much needed advantage in the neoliberal economic model.

John Lett (About) (Sessions) (tarotworldtour YouTube)

Posted in Uncategorized | Tagged | 2 Comments