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Don McNay

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Occupy Wall Street: Hidden Victories and Hidden Allies

Posted: 10/29/11 11:12 AM ET

There's something happening here
What it is ain't exactly clear.
I think it's time we stop, children, what's that sound
Everybody look what's going down

-Buffalo Springfield

The media attention about Occupy Wall Street is on how some cities are turning to violence and police actions to scare off the movement. Wounded Marine and Iraq war veteran Scott Olsen was in critical condition after a police raid on Occupy Oakland.

The Occupy Wall Street protesters can take heart in knowing that police and military action is usually the last desperate act of power brokers trying to hold on to control.

If you can speak to the ghost of Muammar Gaddafi, he can tell you how firing on his own people worked out for him.

The days of clamping down free speech with violence are over. The average citizen, using social media, has too many ways to communicate, organize and stand up to oppression.

I think it will be difficult for the Occupy movement to maintain its outdoor protests through the cold winter months but I expect the seeds of their protest to have an impact for years.

Already, they have had an immediate victory.

Like many, I was outraged a few weeks ago when Bank of America tried to impose a five dollar a month fee for using debit cards. Although I wrote about it extensively, the ears of America were more attune thanks to Occupy Wall Street. It was another example of Wall Street and Main Street not connecting.

In the past few days, most of Bank of America's competitors have decided not to impose a debit card fee and even Bank of America itself is looking to modify (or hopefully eliminate) the charge.

Chalk this up as an Occupy Wall Street victory. Big banks have been sticking it to us for years, even after the Wall Street bailouts in 2008. This was one time where consumer outrage made a difference.

It may not be the last time.

I've been on a book tour promoting my new book, Wealth Without Wall Street, A Main Street Guide to Making Money.

The audience for my book has been those who are looking to implement ideas in a post Occupy Wall Street era.

Although the goal of taking money away from Wall Street is the same as people who are protesting, most of my readers are the "silent majority". They approve of the protest against Wall Street, even though they are not marching or gathering.

The Move Your Money movement has taken off since Occupy Wall Street started. People are taking away the power of Wall Street and giving more power to Main Street.

My book pushes the idea of individual action over collective action but Occupy Wall Street has a little of both. The Occupy Wall Street movement is giving voice to a wider group who are angry at what Wall Street has done to America.

I am sure the Occupy Wall Street supporters have to have days of discouragement, especially on days when they are being gassed, arrested and watching their colleagues be carted off to hospitals.

But as the debit card victory has shown, they are making a difference. They are voicing the anger of millions and that voice is having an impact on Wall Street.

And on Main Street.

Don McNay, CLU, ChFC, MSFS, CSSC is the bestselling author of the book Wealth Without Wall Street: McNay, who lives in Richmond Kentucky, an award-winning financial columnist and Huffington Post Contributor. You can learn more about him at www.donmcnay.com

He is the Chairman of the Board for the McNay Settlement Group (www.mcnay.com) which provides structured settlement consulting for injury victims, lottery winners, and the families of special needs children.

McNay founded Kentucky Guardianship Administrators LLC, which assists attorneys in as conservators and setting up guardianship's. It is nationally recognized as an administrator of Qualified Settlement (468b) funds.


 
 
 

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There's something happening here What it is ain't exactly clear. I think it's time we stop, children, what's that sound Everybody look what's going down -Buffalo Springfield The media attention ab...
There's something happening here What it is ain't exactly clear. I think it's time we stop, children, what's that sound Everybody look what's going down -Buffalo Springfield The media attention ab...
 
 
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03:08 PM on 11/01/2011
I don't know that I would credit this change to the OWS movement, but it does speak volumes about the right way to enact change in corporate America. If you are not happy with a company's policies, stop using that company. It doesn't take government regulation or force. It just takes people putting their money where their mouth is -- or in this case, refusing to put there money where they don't like the company.
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kinney1a2b3
Truth, Justice and The American Way.
01:44 AM on 11/01/2011
Occupy Wall Street: Hidden Victories and Hidden Allies...
Yes keep on going OWS, one day ALL businesses and banks will be State run, just like China, yes. The USSR did it many years ago, Mr. Marx yes he would be proud of this, so proud. And Chea? Mr. Chea (ugh, forgive me the spelling of his name, it's OK?) anyway he would have been very happy to see the effort to harm America's businesses. I hear you all in SD California closed a coffee stand. Perhaps the State of California will send in a worker to reopen the coffee stand for the OWS down their. After all it is your right to have a coffee. Very impressive to be seen all over the world, like the former Soviet Union, can you imagine the happiness your spreading there? You should be so proud. It is sheik for them and you to be anti-business and anti-American.
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woody7
Always a Dem, but..............
03:15 PM on 11/01/2011
when you are done rambling..................................How has the banking industry fared with the little oversight they have now?? What is with all this socialists bull you are spewing. you do understand that San Diego is a Republican town?? The State of CA is better off than Texazz?? Most of our governors Republican?? We still send to Washington more in Taxes than we get back?? Most business have sweetheart deals for taxes, they just don't want to pay any.The banks are sitting on billions and making billions more off the useless middleclass, We are so far from socialist it isn't funny. What really scares you??
06:57 PM on 10/31/2011
I am glad that these young people are standing up for their rights, we protested in the 60's but of course we were always harrassed by the police, look at KENT STATE, I know that as a BabyBoomer and a Hippie we stood up for what we believed, if I could I would be out there with these young people, it is time that the GOVERNMENT realizes that we will not bu hushed as to what is going on, this is the worst that I have ever seen our economy, and yes if the GOVERNMENT does not watch it we will be in another RECESSION, it will be worst than the first one back in the 30's. POWER TO THE PEOPLE, get rid of the big banks and the big ceo's and executives who are killing our economy, I at this time do not and will not have another checking or savings account ever again, the GOVERNMENT is just to corrupt. I PRAISE THESE YOUNG PEOPLE....................PEACE AND POWER TO THE PEOPLE........................
03:19 PM on 10/31/2011
I have said this before and I'll keep saying it until people get it...

The single best thing everyone can easily do, (right now), is to withdraw your money from the overly corrupt banking institutions we all know about and deposit it into your community banks. The community banks are just that... set up to invest back into our communities. This is a no-brainer people! It's easy, it's fast, it's non-violent and it will bring about the change everyone is looking for faster than anything else. Do it!
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thinklib
I will not mince words.
12:45 AM on 11/01/2011
Very true.

I use a small community bank. I can use any ATM for free (my bank pays any fees) and my money is still insured.
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michaelnel4449
Infidel chipping away at the 2 party system
03:03 PM on 10/31/2011
A big mental obstacle for many American's is to realize and understand the amount of greed some people have. I assure you there are people in positions of power and influence on wall street that lay awake at night trying to figure out how to get your money. Americans have billions of dollars invested in all sorts of accounts from 401K's, mutual funds and stocks. Most of the persons on WS are just doing their jobs, but the few at the top know how to manipulate the market so with insider information among the thieves they can wreck the economy and keep American's in the poor house.
I cashed out in 2001 and plan to never go back to retirement accounts, George Carlin was right, they are out to get our retirement and won't stop until they do. Check out youtube video by George on the Owners of America. I watch it weekly, it gives me inspiration to do something for America...
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clifcourt
08:11 PM on 10/31/2011
Sounds like you're talking about carreer politicians to me.
12:45 PM on 10/31/2011
Stay strong OWS!!!!
11:37 AM on 10/31/2011
ATM fees are giving way to market reactions. It has nothing to do with OWS or anyone calling them bad names. It has to do with the banks not wanting to drive customers away and lose further profits also.
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thinklib
I will not mince words.
12:45 AM on 11/01/2011
True.
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woody7
Always a Dem, but..............
03:16 PM on 11/01/2011
partially true
11:14 AM on 10/31/2011
Wall Street is just to place where most of the pirates have a presence; if people have a beef with Monsanto, Wall Street would be the place to go; if B of A is the outfit you're mad at, Wall Street is the place to go; whatever outfit is paying off your politician will be listed on Wall Street; a picket sign on Wall Street is much to be preferred to molotov cocktails through the CEO's windows or in the office lobby, right? The message is delivered, nobody gets hurt, and that's a good thing.
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Waveskiboy
08:28 AM on 10/31/2011
PS I took my money out of BoA almost a year ago and went to a small, local bank.
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Waveskiboy
08:27 AM on 10/31/2011
If OWS is the same as The Arab Spring, how is the violent response of the various Police Departments different from the responses of Mubarak or Qaddafi? And then the next question is, where's NATO to bomb the oppressors?
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10:03 AM on 10/31/2011
it will not b NATO hitting us, it will b UN troops... they r ready and waiting for Hillary's marching orders...
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seanny53
Things fall apart, the center cannot hold
11:15 AM on 10/31/2011
I can't believe so many people have such paranoid fantasies.
05:52 PM on 10/31/2011
did you check under your bed....you know who's hiding under there!!!!! OOOOO scary...Happy Halloween...ya weenie !
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Kurt Mundt
Interesting world we live in, eh?
03:32 AM on 10/31/2011
Cash is King boys. And my mattress pays almost the same interest on my money as the bank does.
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drkazmd65
Mom Taught me - Question Everything - Thanks Mom!
07:20 AM on 10/31/2011
Agreed - the difference is almost nil - and the mattress doesn't charge you a fee for withdrawl.
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teachone
Knowledge is Power
02:06 AM on 10/31/2011
All, keep up the good work!!!! Never back down, keep moving your money to credit unions, get rid of Wells Fargo, BOA, JP Morgan Chase, all big banks,investment companies!! The combination of efforts will bring them all down!! We the people have the power to do so, when the government cannot/will not!! These crooks figured if they filled government with "their kind" they could control everything, but they cannot control the U.S.consumer, WE control all that we buy/do not buy, where we bank/do not bank, if we have credit cards/do not have credit cards, go to college/do not go to college! WE control american businesses, their owners, shareholders, wallstreet, we control their level of wealth by what we collectively do with our money!!! The people can knock every business in this country to the ground with their choices!! Between OWS/american people all taking their money away from them, they will learn, WE will NOT tolerate it!!!! I closed two bank accounts at BOA, all credit cards with Wells Fargo, Chase, all store cards, will NEVER go back!!! My goal,get rid of all debt forever, never use a credit card again! Will not borrow money unless I have no alternative!! Student loans are the next debt crisis, another problem brought about by these same people,their greed!! Done going to college, paying off what I owe, not going again unless an employer pays costs in full! Stop letting the rich parasite off of you!!!!!
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PatrickforO
America needs a Labor Party
01:02 AM on 10/31/2011
This is from the labor anthem solidarity. It was penned in 1915 by a guy named Chaplin.

They have taken untold millions that they never toiled to earn,
But without our brain and muscle not a single wheel can turn.
We can break their haughty power, gain our freedom when we learn
That the union makes us strong.

In our hands is placed a power greater than their hoarded gold,
Greater than the might of armies, magnified a thousand-fold.
We can bring to birth a new world from the ashes of the old
For the union makes us strong.

Here's another fun little verse:

They say our day is over; they say our time is through,
They say you need no union if your collar isn't blue,
Well that is just another lie the boss is telling you,
For the Union makes us strong!

Honestly, this country really needs a labor party.
11:42 AM on 10/31/2011
Unions are institutionalized mediocrity. If you want to spend your life on the next to the bottom rung of the economic ladder, join a Union, and wait your turn for any and all promotions.
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Donnat
Remember when teachers, public employees, Planned
06:45 PM on 10/31/2011
Unions created the middle class
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Andrea Blackwell
Why watch the news? The truth's on Comedy Central!
12:14 AM on 11/01/2011
It's better than no protection at all. This right to hire/fire BS was an obvious ruse to exploit the employees. There was only ONE way that would go, especially in such a horrid economy. People with too much power, get way twisted and how we got the sharecroppers economy we're in now. Money won't fix it...it's a moral decline.
I wish telecommuting were encouraged. Jobs like that are impossible to get. My work could be done at home, my daughter would have been home schooled and receive far superior education and I would have saved a mint on gas...less stress... We've had the technology to do this forever. Tools for having your own business are also available for e-commerce. We were supposed to have evolved long before this.
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unfoxworthy
We:ScottOlsens,the misfits,out to change the world
11:07 PM on 10/30/2011
Somehow I see Wall Street lingering like a lone pack of dinosaurs after the ice age.
With interconnectivity and instant access to anything we could possibly need (including information) at the touch of a button...
the old brick and mortar crime castles seem doomed to extinction.
(the sooner the better)
08:08 PM on 10/30/2011
Debit card use is not free for anyone including those who dont even have one so you have your facts wrong. Banks can charge 22 cents per transaction and new laws allow some banks to charge even more and although it is the merchants etc that pay this cost they pass it along to customers. The only fair thing to do would be to charge people who use their debit cards more than people who dont use them.
03:55 PM on 10/31/2011
my credit union does not charge me for debit card use nor does the store...just for CREDIT card
07:43 PM on 10/31/2011
Stores don't charge customers for using debit cards. The banks charge the stores a fee for every debit card transaction so we pay for the use of debit cards one way or another.