Hilary Rosen and SKDKnickerbocker:
Media Manipulators and Orchestrators of Fake News

Ground Central of "The Swamp"


How Hilary Rosen, SKDKnickerbocker, Suze Orman, and complicit media and government figures conspired to plunder the poor and middle class


2017 Updates

In 2017, SKDKnickerbocker continued to infiltrate our government agencies using the "barium" loyalty pledge of pushing SKDKnickerbocker's financial scammer and con artist, Suze Orman. These government agency corruptions took place long after Orman had already been let go from CNBC, QVC, and O Magazine, among other media outlets that were not able to continue pushing Orman to prove their loyalty, as is shown so clearly in this film:


How Suze Orman SCAMMED the World (2016)

A comedy, tragedy, and IQ test all in one

The main "Rosen cabal" section begins at 42 minutes in


Click here to download the free ebook


January 2017:

One of the first things Army Secretary and Under Secretary did once appointed was to declare SKDKnickerbocker's financial fraudster as the official financial advisor to the Armed Forces, with a whole lot of hoopla. Secretary Patrick Murphy is a client of SKDK, and previously received thousands of dollars from them in donations.  Murphy helped to orchestrate a scam that pushed Orman's infomercials, disempowerment rhetoric, and bad advice on all of our military personnel, in a ploy that could have put tens of millions of dollars into Orman's bulging coffers directly from the pockets of our troops and disempower them all at the same time. This, after Orman's financial fraud crimes have already been exposed and she has already been dropped from CNBC, QVC, O Magazine, and other media outlets.

We have added a webpage that exposes this dark web of lies that will cause serious damage to our military, our country, and the world -- please share the link.

You'll find an extensively documented presentation of this corrupt scheme on this page:
"How Suze Orman SCAMMED the United States Army"


Spring 2017





An exposé about much more than just Suze Orman


From Fraudulent FICO Fables to Corporate Cons, How Suze Orman and Her Crooked Cabal Manipulated the Media, Plundered the Poor, Stole from the Middle Class,  Damaged the United States Economy, and Hijacked a Political Party


A Citizen Journalism Public Service Offering

Watch the Documentary Film here

How Suze Orman
SCAMMED the World (2016)

A comedy, tragedy, and IQ test all in one

The main "Rosen cabal" section begins at 42 minutes in


Click here to download the free ebook


In our film and video, you will see Rosen and SKDK creating blatantly fraudulent fake news throughout their favorite media outlets to pitch Suze Orman's fee-infested, shoddily run prepaid debit card as a financial revolution that did nothing more than steal tons of money directly from the pockets of poor and middle-class citizens who fell for their scam.

I had an unexpected view into some of the behind the scenes shenanigans going on at the DNC, in spite of not being all that interested in political matters and focusing more on producing spiritual-based books, videos, and music. This view came from my interest in stopping the damage from a mistake I made many years ago when I was conned into helping a scammer onto the public stage, from which she has run endless scams on the country and world, stealing money from the pockets of the poor and middle class while causing intentional damage to the United States economy to increase her public stature, generating many headlines that called Suze Orman the “Queen of the Crisis." There I saw that the main person protecting and pushing Suze Orman's scams was none other than political lobbyist and media broker, Hilary Rosen.

The Hilary Rosen, SKDK, "Orman Cabal" is Also the DNC, Brazile, Wasserman-Schultz Cabal that has corrupted our political and media landscapes and brought our country to it's knees, while filling their coffers with wealth and power. On this page, you'll find plenty of evidence worth further investigation from journalists and government agencies that aren't already in cahoots with these crooks.

The "Orman Cabal" (coined by CNN's Chris Cuomo) has plundered the poor, protected corporations from proper regulations and taxes, used the media to push false headlines, and hijacked the 2016 election. Hilary Rosen is a close friend of Debbie Wasserman-Schultz (who has famously supported predatory payday loan companies and derailed Bernie Sanders' campaign to make sure Rosen's pick got the spot) and is a master media manipulator, political lobbyist, and dirty strategist who has helped Suze Orman defraud and steal from the poor and middle class.


It is time to clean up our country and the democratic party,
which has been corrupted by Hilary Rosen, SKDKnickerbocker and others.



Note that even after Rosen, Warren, Moore, Smiley, and other members of the DNC-based cabal helped protect Suze Orman from prosecution for her financial crimes against the poor and middle class United States citizens and for intentionally damaging the US economy, Wikileaks showed that when it came time for Orman to pay the piper to the DNC, she scammed them too!




Here is just one example of political lobbyist bully Rosen threatening politicians to do what she wants them to do. In this case, New York City mayor Bill DeBlasio was not endorsing Rosen's client quickly enough for her.



Click here to read another example of Rosen threatening a congressman into voting in her interests, saying, ”You have lost your credibility before you even cast a vote. I think your career is over."


She even threatened Caitlyn Jenner for not falling in line to Rosen's wishes! A real power-hungry bully, who has been in charge of strategizing for Hillary Clinton!



Even though Hilary Rosen is now supporting and doing damage control for Hillary Clinton, not long ago, she was vehemently plugging Elizabeth Warren, with Rosen's close friend and client Suze Orman was announcing all over the media that she doesn't want Clinton, but wants Elizabeth Warren as president instead. It appears the plan was to run Warren against Clinton, ending with a Clinton-Warren ticket that would ensure Rosen would have unfettered ability to control and distort politics and the media to fill her coffers and those of her corporate sponsors and her favorite scammer, Suze Orman, who she even convinced Warren and Clinton to dress like:


At the same time, Rosen was representing Suze Orman's fee-laden, shoddily run, deceptively pitched "Approved" prepaid debit card scam that plundered the poor and middle class with a mediawide campaign of blatant fraud, as you'll see quite clearly in our film.

All the pushes to increase Warren's public influence, Rosen's specialty, took place when Hilary Rosen appeared to be behind the "Run Warren Run" effort, based on certain documentation gathered from media and social media, at exactly the same time Warren's book, A Fighting Chance, was published, so maybe Rosen's SKDK was the publicity team for that book and who knows what else. Shortly after the book came out, Warren appeared with Orman in a troubling segment you can see at around one hour into the documentary film, which took place while victims of Orman's Approved card fraud were finding their accounts locked by the quickly closed card, with no way to access their own money, but with the card still accepting their direct deposit checks.


January 9, 2017

An additional note about Suze Orman pusher SKDKnickerbocker and "Fake News" on the day Politico declared SKDKnickerbocker as the third most powerful player on their "2017 Playbook Power List,” ahead of Reince Priebus and Kellyanne Conway.

Over the years, SKDKnickerbocker has become the industry expert of fake news (See many examples in our SCAMMED documentary). While using all their fake news and online trolling resources to strategize against and demonize Hillary Clinton’s opponents with their DNC surrogates, Debbie Wasserman Shultz, Donna Brazile, and others, SKDK coined and publicized the term “fake news” to cover up and distract from the not fake DNC emails that showed real problems, piling more of their own fake news on top and getting their “friends” in high places to push all their distracting headlines, in the same way SKDK's Hilary Rosen was paid millions to make the public forget about the BP oil spil, and covered up years of Suze Orman's scams, shams, and shenanigans.

In this section of our documentary film, you will see one of many clear examples of Rosen/Orman's scam tactic of pretending they are fighting against the very corrupt practices they are actually doing. The proliferation of "Fake News" headlines in the same media outlets I'd seen frequently used by Rosen and SKDK to push Orman's scams gave perhaps a clearer view of the shenanigans going on, since I'd just finished producing the film and book, "SCAMMED! Unmasking Suze Orman and Her Crooked Cabal."

Cover-up expert SKDK's "fake news" headline blast came timed exactly with the release of serious misdeeds exposed by the DNC's own emails, regardless of who may or may not have hacked them. SKDK then propped up their more prestigious compliant media outlets, such as Washington Post and the New York Times to be self-proclaimed modern-day arbiters of what is or isn’t fake news.

They also created new online avenues for fake news that their fake and real twitter brigade can respond to with scripted clever come backs (as they did throughout the 2016 election) that generate more fake news in an attempt to craft the narrative to suit their political, corporate, and other clients, including con artist Suze Orman.

This is the muddled mess that brought us President Donald Trump, for better or worse -- I hope better, especially if he really does drain this particular swamp, which would have only ballooned in even more disastrous ways if SKDK's chosen candidate had won. Any intelligent democrat or independent could smell the stench of corruption around Hillary Clinton’s publicity strategies, and many were unable to plug their nose and vote that band of corruption into positions of greater public, social, economic, and political influence.

Along with all that, SKDK apparently bribed the Under Secretary of the United States Army, who is also an SKDKnickerbocker political lobbyist client. Murphy's political career has been significantly propped up by this terribly powerful political-media conglomerate.

SKDK can make or break careers, using the media and their webs of complicit public and political figures, many of whom you will see in our film, showing their loyalty by looking like fools as they help Suze Orman scam the poor and middle class with her "Approved" prepaid debit card.

Now, the same corrupt cabal has unleashed onto our entire armed forces a two bit scammer and financial actress who never took a single finance-related college course, covered by ghostwriters and behind-the-scenes experts. Under Secretary Murphy made this terrible decision after Suze Orman had already been caught lying, giving bad advice, and stealing money directly from the pockets of poor and middle-class citizens.

If you’re reading this and are in a position to do something to stop this travesty before it causes more damage to our troops, our country, and the world, please do it.

Go to: "How Suze Orman SCAMMED the United States Army"



Click Here to go directly to the "Approved" card scam section of our documentary film.


Click here to read some of Hilary Rosen's emails with Debbie Wasserman-Schultz and others at the DNC in the July 22 posting of emails by Wikileaks.


CLICK HERE to read an article from the Financial Times' Advisor IQ that summarizes many points from our film.

Read comments from those who saw the film and saw through these scams


Here is one article that points out Rosen's questionable connections
(click here to read the article)


DNC chairwoman Wasserman Schultz has been pouring money into Hilary Rosen's coffers for years. How did the DNC paying Rosen to strategize against Bernie Sanders?  Who really made the threatening phone calls Rosen's PR blitzers used to generate headlines about Sanders hating women and spawning violent followers?  Rosen is known for dirty tricks -- put nothing past her.



Rosen has helped corporations move offshore to avoid United States taxes.



The CNN clip below is an example of the cabal's handiwork that took place at the same time political lobbyist and puppetmaster Hilary Rosen, who appears to be somewhat of a "democratic Koch sister," who was also representing the BP Oil spill, predatory for profit schools, Herbalife, and other troubling liaisons, was orchestrating a massive, fraudulent scam, from the National Press Club to most CNN news shows, ABC News, Good Morning America, Wendy Williams, and around 100 other media venues to plunder poor United States citizens to push a campaign of shameless blatant fraud for Orman's "Approved" prepaid debit card.

This is where the disappointing Elizabeth Warren connection became visible in my research for the SCAMMED documentary. Warren's complicity in this web of deceptions and media manipulations is probably what surprises viewers of our film the most.

In this CNN clip, you hear Orman spouting whatever meaningless words she was given to say to create big headlines that would harm Hillary Clinton's presidential aspirations while pumping up Warren's public influence around the same time Warren's book was being released and Orman's predatory "Approved" card closed, keeping many users' money along the way:



At the time, Rosen was pushing for Elizabeth Warren for president, and Warren was giving credibility to con artist Orman in various ways, including a troubling appearance together on stage to discuss student debt, while Orman was being paid by what is considered by many to be the most problematic for profit school.

From the Huffington Post, a rare article that doesn't go along with Orman's schemes, as Arianna usually does:

Huffington Post: "With Senator Warren Watching, Suze Orman Denies, Admits, Rationalizes Teaching at University of Phoenix."


In this clip from our documentary film, you will see Warren and Orman giggling like schoolgirls in the same event about their extreme public influence and how much they like each other.

A year later, Rosen took on the role of protector and apologist for Clinton's presidential campaign, as she has bullied various government officials and others, creating false headlines and aspersions with the same "mean girls" style that is noticeable in many of the bad press and voting shenanigans against the Sanders' campaign.



Orman didn't do all this damage on her own. One of Orman’s main skills is to find powerful people who are either already corrupt or who she uses her scamming skills to corrupt into violating their own integrity to support her scams, as she did with me, Oprah, Elizabeth Warren, Michael Moore, Tavis Smiley, Arianna Huffington, Anderson Cooper, and many others down the line. You will see many examples of Orman's scamming skills in the film, “How Suze Orman SCAMMED the World,” and the new book, SCAMMED: Unmasking Suze Orman and Her Crooked Cabal, An exposé about more than just Suze Orman.

In our book and film, you will see media figures and politicians who were bribed and perhaps blackmailed by Rosen and company to help Orman commit blatant fraud on the public, including by fooling them into moving money from their bank accounts onto her fee-laden "Approved" prepaid debit card, with false promises that using her card was going to increase their FICO scores. This fraud was hosted on many major television and news shows, at the NCLR convention, the National Press Club, and at a poverty conference, hosted and pitched by media figures and politicians from Barbara Walters to John King, George Stephanopoulos, Piers Morgan, Wendy Williams, Tavis Smiley, Arianna Huffington, and perhaps most surprisingly, Michael Moore and Senator Elizabeth Warren.

You may notice Rosen’s name throughout the recent Wikileaks email releases, because she is a major cohort, friend, and advisor to recently dethroned DNC head Debbie Wasserman-Schultz, although I suspect their more troubling conversations and plans for the 2016 election took place offline. Wasserman-Schultz previously worked for Hillary Clinton’s 2012 campaign, and paid Rosen over one-hundred thousand dollars to help the campaign in just one cycle. When the 2016 democratic campaign came around, they had no qualms about violating the standard policy of keeping personal preferences out of their positions.

It is a significant problem that Hillary Clinton's main lobbyist, strategist, and billionaire fundraiser has helped Suze Orman commit blatant mediawide fraud to steal money directly from the pockets of the poor and middle class with a prepaid debit card scam, and that's just the beginning of Hilary Rosen's troubling associations and what CNN's Chris Cuomo bravely called out as "the Orman Cabal."  As a democrat, I cannot abide this corruption in our party!

Rosen is the corporate darling who BP hired to make the public forget about their oil spill. Rosen brings in the millions of dollars in donations to Hillary Clinton and other politicians. She donates to politicians and expects payback, which is easy to see when you pay attention to her corrupt liaisons with political figures and the media and their willingness to support the scams Rosen supports, including Suze Orman's Approved card scam that did nothing but plunder money from poor and middle class citizens who were fooled by the media wide con that Rosen arranged for Orman to commit her blatant fraud. She paid off the Secretary of the Army to provide cover for another Suze Orman con, bribed the head of the Department of Labor to add a specific sentence to the 2016 ruling requiring financial advisors to give advice that is in the best interest of their clients specifically, by name, exempting con artist and self-proclaimed "financial advisor to the world" Suze Orman from having to follow these rules of ethics, before Perez was repaid by Rosen with Hillary Clinton vice president buzz, the kind of influence boosting payback Rosen is famous for giving to those complicit with her scams.

Rosen explains: “When I gave $1,000 or $2,000 to a lawmaker, I wanted him to listen to my business proposition. And when I helped organize an event that raised $50,000 or $100,000, you bet I expected their vote. Why else do it?

Why else do it? Maybe to serve our country and help the best person to win?

Rosen continued: "Members of Congress are consumed with raising money for their re-elections (or if they have a safe seat, they raise money to give to colleagues to increase their internal power). Anyone, including lobbyists, who lessens that anxiety, is considered a better friend than those who don’t. No lobbying reforms will change that fact."

You can bet Rosen had many motives for making sure Bernie Sanders never came anywhere close to getting the 2016 democratic nomination. Regarding Rosen’s activities as a political lobbyist, Wikipedia adds: White House visitor logs list 35 instances where a “Hilary Rosen” visited the White House. In 2009, the AP reported that Rosen was present at a White House meeting between health care industry lobbyists and senior White House strategists. In 2012, the Wall Street Journal reported that Rosen was consulting with DNC Chair Debbie Wasserman Schultz. Rosen attended the March 2012 White House state dinner with her client John Kelly of Microsoft. Rosen supported the Stop Online Piracy Act. In April 2012, The Nation's journalist Lee Fang penned an article entitled “The Real Hilary Rosen Scandal” in which Rosen's firm is described as “an unregistered lobbying firm that has become one of the biggest names in the influence business by using its ties to President Obama and leaders in Congress.” An unnamed senior Democrat was quoted as saying: “It’s an open secret in the Dem consultant community that [Rosen's firm] has been signing up clients based on ‘perceived White House access’ tied to prior relationships and employment.”

After Rosen's buddy Debbie Wasserman-Schultz was rightly booted from the DNC for corrupt actions orchestrated by Rosen, Rosen made sure her paid for politician Hillary Clinton gave Wasserman-Schultz undue prestige by naming this corrupt person as the chair of her campaign and campaigning for her in Florida, where Rosen and the cabal used DNC staff and services to improperly strategize against Wasserman-Schultz's opponent.

Rosen creates the party lines that her media shills repeat. Here is an article by two frequent Rosen shills, Sam Stein and Amanda Terkel, protecting her corrupt buddy Debbie Wasserman Schultz, written before Wikileaks published just a sample of Wasserman-Schultz's Rosen fueled corruption: The Hardest-Working Scapegoat In Washington: DNC Chair Debbie Wasserman Schultz gets the blame for many of the party’s problems. Does she deserve it?

Now, reports that Rosen is planning to replace Treasury Department head Jack Lew with another proven Rosen/Orman shill, Sheryl Sandburg.



I started out intending to document Orman's scams, but found a concerning web of support behind her, what Chris Cuomo bravely called out as "the Orman Cabal." The intriguing evidence goes on and on, but one example is Michael Moore, who actually pitched Orman's predatory approved card at a poverty conference as a revolutionairy product that could help save the country, and has also written this when Rosen had some negative press:


Click here to watch Moore and Tavis Smiley pitch Orman's prepaid card scam that plundered its victims at a poverty conference



Here are several articles detailing the problem with Hilary Rosen as a (supposedly) democratic lobbyist and spokesperson:

suze orman


I produced the video to alert the public with clear evidence in living color, because government agencies have not only refused to even look at Orman’s strings of fraud, but have been complicit in protecting her. Department of Labor Secretary Tom Perez finally created new regulations requiring financial advisors to give advice that is in the best interest of their clients – a basic rule of ethics that Suze Orman has violated time and time again. In that document, Perez actually wrote a specific exemption that Suze Orman, by name, is not bound at all by these rules, because she is not a financial advisor, but an entertainer. Tell that to all the people who lost their retirement savings in her gold “pump and dump” and other schemes.

At the same time that Tom Perez was exempting Orman and praising her on Twitter, the Secretary of the Army for four months, Patrick Murphy, was calling the con artist a great American, and helping to run a disgusting predatory scam on the armed forces for the purposes of covering up Orman’s Money Wars sham that was a cover up for her Approved card scam. Sorting through all the shenanigans was like separating a big mass of Christmas lights, but I felt obliged to do it while seeing all the damage that had come from my mistaken actions in helping Orman onto the public stage many years ago.

While watching Orman’s scams, I saw one figure who was behind the prepaid debit card misinformation campaign and the complicity of the media, government agencies, and political systems. That lynchpin of what Chris Cuomo coined, “The Orman Cabal,” is Hilary Rosen, who is sometimes described as a political lobbyist, CNN commentator (who brings them big advertising dollars), BP oil spill cover-up specialist, lobbyist for predatory for-profit “universities,” and consultant to help corporations move out of the United States to avoid paying U.S. taxes. Hilary Rosen is perhaps the most important and powerful person most people don’t know about, as you'll see in the documentation below.

Looking at the complicity of the secretaries of the Army and Labor, for example, I saw that Rosen had donated thousands of dollars to Army Secretary Patrick Murphy, who allowed Orman to run her scam on the military, and had rewarded Department of Labor’s Tom Perez for exempting Orman from his ruling with the commodity Rosen and her publicity firm SKDK trade in, public influence — the same kind of public influence Rosen and SKDK gave to Senator Warren with planted headlines and "Run Warren Run" as she backed Orman and kept the CFPB from pursuing proper justice for all the victims of Orman’s prepaid card and other scams.

While keeping an eye on Orman’s strings of scams, I learned how Hilary Rosen used quid pro quo’s, threats, bribes, false headlines, and other troubling tactics to fool the poor and middle class into pouring their hard-earned money into Orman’s pockets, and her own. I saw her tactics of creating false stories and getting shill reporters to give false information that fake social media accounts would retweet hundreds of times to cover up any bad press and propagate their shams, scams, and shenanigans.

As a liberal minded filmmaker who also offered my skills to script, edit and co-produce with President Obama's Organizing for America the 2009 video, "Real People, Real Healthcare Needs," it has been especially disappointing to watch political and media figures I might have otherwise trusted pushing the Orman scams you'll see clear as day in our documentary film below. It is even more important to stop this social and economic cancer that is infiltrating and bringing down the righteousness of some especially good people.

I invite investigative journalists and government agencies entrusted with protecting the public to please use the information and documentation I've shared and take it from here.



About Hilary Rosen from Wikipedia:


Here is some possible evidence that the anonymous source in Ed Klein's book just may have been Hilary Rosen:

After Orman's big headline blast about wanting Warren instead of Clinton (which exactly echoes the story of what President Obama said in Klein's book) came this obviously planted news story on Rosen's frequent partner CNN, to whom Rosen has brought big advertising dollars, and which has supported Orman's many scams, shams and shenanigans over the years. The clip begins with John King asking, "Suze Orman picking the next president?" 

*Note that in 2012, CNN hosted Orman's/Rosen's "Approved" card scam on many news shows, including the John King Show, with a segment deceptively titled, "Prepaid debit card to help credit score" Watch the CNN hosted scam here:



    More points of concern regarding Hilary Rosen, SKDK, and the Suze Orman cabal:


Here is John King's big announcement on CNN's New Day about how Suze Orman doesn't want to vote for Clinton, but wants Warren as president. Note Orman's extreme enthusiasm -- indicative of her scams -- and total lack of any intelligent reason for why she is choosing Warren.

    Note also Cuomo’s brave call for a need to take on the "Orman Cabal."



Rosen and SKDK have been instrumental in pushing Orman’s various headlines and rip off schemes, including the now defunct “Approved” card that ripped off millions of dollars from the poor and middle class in the past two and a half years.

    Watch Orman commit fraud throughout the media landscape, represented by Hilary Rosen and SKDK:


Here is Orman's prepaid debit card petition scam, supported and sent via many spammy email lists to Change.org users and others. The petition is directed toward none other than Senator Elizabeth Warren, and was clearly intended to cover up her "Approved" card fraud's 24-month deadline that she had used as part of her fraudulent prepaid card campaign of lies.

    Note that the petition scam is directed to none other than Elizabeth Warren:


    With all the millions Orman has bilked from the public and received from banks, billionaires, and corporation, she didn't even have the interest to use even an iPhone quality camera to film her plea, because she knows her protectors like Hilary Rosen and Elizabeth Warren will keep her from scrutiny or justice for her unending webs of scams, shams, and shenanigans:


    When Yahoo Finance tried to warn readers that the petition was ridiculous: "Why credit bureaus will never care about your debit card history," Warren's spokesperson gave them the kind of cagey answer that is typical of partners in Orman's devious schemes, saying, "Senator Warren believes it’s important for families to have various ways to build their credit and enhance their access to affordable financial products and services." 

    Warren said this at the same time Orman's prepaid card scam was bleeding the poor and middle class dry through fees and completely incompetent card management that lost many card users' accounts and money and charged inappropriate fees, requiring a whole lot of those $2 phone calls to the "Approved" card's customer service in the Philippines (click here for personal examples of the card stealing from customers). 



As soon as Orman made her big proclamation about Senator Warren, Rosen-friendly social media accounts blasted it out: 

    "Warren for President 2016 accounts also posted the big news:


    The same Warren for President sites had previously made posts protecting Hilary Rosen when she got into hot water for saying that Ann Romney didn't work.  Clearly these accounts are Rosen friendly, if not run by SKDK or Rosen herself.


Right after Orman’s big headline blast about Warren, The Huffington Post, which is often complicit in Rosen’s schemes (see Arianna’s ridiculous interview with Orman about her exploitative “Approved” card here) posted this article:


    Sam Stein, who tweeted out the big news:

    Also wrote this article on Huffington Post:


Orman continued to post endorsements for Warren and advertisements for her book in social media, receiving “Thanks Suze” in response from Warren:



This was followed by another Huffington Post piece, “Elizabeth Warren Takes Her Fight to the People,” which was obviously intended to make Warren look presidential, posted by MOMocrats, who appear to be heavily connected with Rosen:

    Here are MOMocrats also defending Rosen for her Ann Romney comments.



SKDK represented BP Oil for their Gulf Oil Spill, and Anita Dunn of Rosen’s SKDK, a former Communications Director for President Obama, is currently pushing for the Keystone XL pipeline, so while Rosen calls herself a democrat, her actions are less clear. Hilary Rosen also destroyed Napster: "Hilary Rosen banked millions destroying Napster," and is a spokesperson for companies that are moving out of the United States to take advantage of tax loopholes.


    From the New York Daily News: "Most Trusted Name in News? CNN political analysts Hilary Rosen, Alex Castellanos tied to BP oil"

    Yes, that's the same CNN that also played hourly Selectquote commercials with Orman and gave her free reign to fool and plunder their viewers with her "Approved" prepaid debit card scam, as you'll see in the Approved Card Scam Video.

    Amidst CNN's incessant playing of Suze Orman ads for Selectquote from January to June 2012, playing nearly every hour on HLN for much of that time - an ad campaign that has obviously paid CNN with big bucks - Suze appeared on many CNN's supposedly reputable shows, including this pseudo-news infomercial segment on the John King Show, deceptively titled, "Prepaid debit card to help credit score."





    Senator Warren's "buddy" Orman's supporters would surely be happy to see Warren taking power away from the popular democratic candidate:

    Here is Moira Forbes' attempt to give Orman legitimacy even while hundreds of journalists were warning the public about her "Approved" card scam:


    Forbes Magazine also declared Suze Orman the 9th most influential celebrity in the world in 2013


Who else would call President Obama by his first name (in Klein's book), while also saying he wants to turn this country into European Socialism? 



Again, Rosen has also been criticized for signing up clients based on giving them access to the White House.

From Republic Report: The Real Hilary Rosen Scandal: Does Her FIrm Sell Access to the White House to Powerful Corporations?

Here is when Rosen got Orman into the White House:

                                                                     (click to see larger)   


Here is how Orman used that White House visit in overseas press to deceptively imply that Orman is an advisor to Obama. From the Australia press:



    My theory about the 2016, with documentation:

    I am an author and filmmaker who was researching the damage caused by someone I helped onto the public stage as a regrettable mistake, when that research gave entrance into a behind-the-scenes web that Chris Cuomo bravely called out as the "Orman Cabal," although it would be more rightly named the "Hilary Rosen" cabal. Rosen has been paid, at minimum, hundreds of thousands of dollars by her friend Deborah Wasserman-Schultz and the DNC to help Hillary Clinton's campaign with her corporate ties, media shills, and dirty tactics.

    Rosen also helped Suze Orman steal millions from the poor and middle class with various scams, including a prepaid card Orman claimed--emphatically, on news and other shows across the media landscape--would improve users' FICO scores, with other blatant lies that would have landed anyone not protected by Rosen in prison. They even asked and convinced people to move their money from free bank accounts onto Orman's shoddy card that stole money from users left and right, with zero help from the CFPB or other Rosen-complicit agencies.

    In June 2016, Department of Labor secretary Perez even wrote into their new legislation requiring that financial advisors must give advice that is in the best interest of their clients a specific paragraph explaining that Suze Orman, by name, is not bound to any of those rules, because she is not a financial advisor, but an entertainer. Perez is apparently being repaid by Rosen with the capital she gives--increased public influence--by being named as one of Clinton's possible VP choices.

    Rosen also got the Secretary of the Army Patrick Murphy to push Orman's "Home Shopping Network" military scam just a few weeks before he left his temporary post, after Murphy had received thousands of dollars in donations from Rosen and her political lobbyist media broker dirty strategist firm, SKDK.

    As you'll see in our new book, which we are also giving for free as a public service, the predatory and deceptive tactics of this cabal have damaged the U.S. economy, including Rosen's own troubling history of moving corporations offshore to avoid paying US taxes, and being paid millions by BP Oil to make the public forget the Gulf spill ever happened, while BP used prison labor to clean up the spill instead of the local employees who were out of work and needing jobs due to their spill.

    I rushed to get a film and book out before the democratic convention when I saw Rosen's dirty prints on the false headlines and other attacks against Bernie. From the beginning of this campaign season, I've suspected that this political lobbyist and strategist may have come up with the idea of getting Trump to take out the competition so her very flawed candidate would be a shoe-in. Nothing that has taken place thus far has disproved that theory, only bolstered it. Now the #1 talking point for Clinton and the shills is that you have to vote for her because Trump is so awful. Doesn't seem he even wants the job. Just as Orman and Rosen played the public as fools with Orman's Approved prepaid debit card scam and fraudulent claims throughout our media landscape, it looks as though Rosen and her cohorts have used their high school mean girl tricks to hijack the government of the United States.

    Here is the new book that you are welcome to share and forward, offered as a public service:

    Here is the documentary film: https://youtu.be/wZJh25-sO98

    Rosen's part comes in at the one hour mark, along with Senator Warren, who certainly disappoints viewers of our film with her complicity in Rosen's and Orman's nefarious schemes. Warren's complicity is shown further with documentation in the book.

    The result of these mean girls high school games, IMHO, has been to leave the American public with a choice between "corrupt" and "crazy." Personally, I'm looking at Jill Stein of the Green Party, who seems to be sane and have integrity. If there ever was a year for a third party to win the election, it is this year.




More on Rosen and her part in Orman's scams:

Based on the information this article at The Nation and others, Rosen's clients are far from democratic ideals, and she is doing Clinton no favor by acting as a ridiculous protector on CNN, which often hosts Rosen while receiving big dollars from BP Oil and Rosen's other clients. Many CNN supposed news shows were also complicit in Rosen client Suze Orman's "Approved" prepaid debit card scam, with no justice for Orman's fraud victims thus far.


This pseudo-news infomercial segment for Orman's predatory "Approved" card scam on CNN's John King Show was deceptively titled, "Prepaid debit card to help credit score," something Orman's predatory, shoddily run "Approved" card was never going to do for any of the card's unhappily defrauded users.


    Here is more on Orman's protectors, Hilary Rosen and SKDK from "The Real Hilary Rosen Scandal" at The Nation (some of these links have "disappeared," just as critical articles about Orman were either re-edited or removed, assumedly by request of her PR team from Rosen's SKDK):

    "We've compiled a partial list of SKDKnickerbocker’s clients. Since the firm refuses to register as an ordinary lobbying firm, we don’t know their full roster of clients:

    — SKDKnickerbocker was hired by Kaplan Education to block Obama’s reforms on for-profit college companies, an industry plagued by by low quality education, false promises to students, and fraudulent business practices.

    — SKDKnickerbocker was hired to push for billions in tax breaks for already profitable corporations. As Bloomberg reported, SKDKnickerbocker manages a lobbying campaign called “Win America,” an effort by companies like Google and Pfizer to receive hundreds of billions in tax breaks on profits made overseas.

    — SKDKnickerbocker was hired by a coalition of food manufacturers to fight the Obama administration’s proposals on food nutrition standards. As the Washington Post reported, the firms paying Dunn include General Mills and PepsiCo.



    In our documentary film, you will have an hour-long glance into the long strings of scams, shams, and shenanigans perpetrated on the American public, to the detriment of the United States' economy, by Suze Orman and her supporters, who include corporations, banks, and billionaires.

    You will see examples of Orman's FICO games that put tens of millions of dollars into her bulging pockets, and have an extensive look at Suze Orman's mediawide, blatantly fraudulent "Approved" card scam, which would have put any other criminal in prison.  You will watch Orman blasting an overly exuberant gold rush that added big bucks to the coffers of Orman and most likely also to those of the CEO of Goldfellow, who appeared on Orman's predatory "Money Class" show on OWN when she was running, among other schemes, her "gold rush," "Navigator Newsletter" schemes.  Nevertheless, even the clear evidence presented in this hour-long documentary film and pages of articles and links still presents just a sliver of the larger "Suze Orman Problem." It is time to clean this scamming mess up, for the good of our fellow citizens, for the good of the economy, and for the good of the world.

    So what was Senator Elizabeth Warren doing pitching Orman's trustworthiness by appearing on stage with her just after Orman's "Approved" card had defrauded massive amounts of money from poor and middle class United States citizens, including this disabled vet?

    The disabled vet didn't receive an answer from Senator Warren, because she was on stage giggling like schoolgirls with her buddy Suze Orman, and either missing or pretend a very telling moment that should have drawn intelligence and concern from Senator Warren rather than a goofy, unaware grin.







    What's the use of having a political leader who claims to have great integrity and a mission of helping the middle class and poor, but who has unholy alliances with a cabal that has caused serious damage to individuals, the economy, and the fabric of society, and are now using their political lobbyist and media clout to push one more sham and create a president who will continue to cover up their crimes, as Warren and her CFPB have done for Orman and Rosen in the past.

    Many supposedly trustworthy public figures have nonetheless been convinced, whether by deception, by bribery, by fear of Rosen and Orman's protectors, or by pressure from their companies and corporations, to be strongly and effectively complicit in Orman's scams, as you will see clearly in our film, "HOW SUZE ORMAN SCAMMED THE WORLD."

    Senator Elizabeth Warren is unfortunately one of many celebrities, politicians, businesses, and media venues who have knowingly or unknowingly enabled and protected a serious string of scams, shams, and shenanigans that have caused significant damage to individuals, the economy, and the fabric of society.

    Watch in the clip below as Senator Warren sits and smiles while Suze Orman lies through her teeth about being paid by the predatory University of Phoenix, just as Warren and her CFPB have sat and smiled while Orman stole millions of dollars in just the past three years from middle class and poor United States citizens who fell for Orman's outright, blatantly fraud misinformation campaign and were fooled into moving their money from banks onto her predatory prepaid debit card.

    Huffington Post: "With Senator Warren Watching, Suze Orman Denies, Admits, Rationalizes Teaching at University of Phoenix"

    From the Huffington Post article: "Suze Orman not only was hired by the University of Phoenix to teach an online personal finance course, but also last year she appeared at a Capitol Hill event where she promoted the school. It's difficult to understand how a person who proclaims herself "undeniably America's most recognized expert on personal finance" could accept such a role when, for many people, enrolling at a for-profit college can be the worst financial decision they make in their entire lives."

    Watch Orman lie during this event

    Suze Orman was asked about whether she was working for University of Phoenix, a predatory for-profit college, which she was, with a well-publicized contract with U of P:

Note that Orman appears to be upset that Politico's reporter may have violated their agreement not to mention the Approved card or her involvement with University of Phoenix. Here's a frame from that moment, when she is assumedly looking at her "Bonny and Clyde-esque" partner in crime:




    Warren's complicity with such shenanigans as you'll see below would be like going to a poverty conference to find Tavis Smiley and Michael Moore pitching Suze Orman's predatory, fee-laden, fraudulently marketed "Approved" prepaid debit card that stole millions from the middle class and poor citizens. (Click here to watch exactly that take place)

    Some journalists have been reporting that a movement is underway to draft and force Senator Warren to run for president, and as you'll see in this article, the "Rosen/Orman cabal" is clearly behind it, either partially or wholly, with the kind of "Mean Girl" high school level behind the scenes games Suze Orman and her cohorts have played all too often throughout her personal life and public career, as you'll see in our documentary film and previous articles about "The Suze Orman Problem: Scams, Shams, and Shenanigans."


    Some may suggest that Orman’s thieving cons are balanced by the fact that "her" advice has helped some to organize their finances.  Of course, those polished articles and books -- beyond the basics Orman has picked up along the way -- are significantly crafted by ghostwriters and behind-the-scenes experts who, unlike Suze Orman, have actually taken at least one finance related college course in their lives. To suggest that the advice attributed to Orman along with her scams, shams, and shenanigans justify the damage Orman has caused, would be like claiming the storefront for a mafia crime ring sells tasty candy. Everything Orman says and does causes a little more damage to the world, because of who she is and what she serves.

    "I'm not in this for charity. This is a business, and anybody who thinks that it’s not a business is an idiot...
    I'll tell you the sources of my income -- everything I do is a source of income to me."  

                          -- Suze Orman,
      from Chicago Tribune: "Ad puts adviser's advice in question"


In the same Chicago Tribune article, Orman claimed to be neither a financial advisor nor journalist, but a "celebrity," who is not bound by the usual ethics rules for journalists or financial advisors.

Regardless of whether a celebrity or financial actress has any specific ethical obligations, our new documentary film and still-in-progress article show that Suze Orman has not only broken rules of basic decency, humanity, and honesty, but has flagrantly violated United States laws by committing widespread fraud and market manipulations that have caused serious damage to individuals and to the U.S. economy.

Orman's criminal behavior was especially well-documented from 2012 to 2014, when she blasted throughout the media landscape with a blatantly fraudulent misinformation campaign that fooled millions into believing that her fee-laden prepaid debit card would only cost three dollars a month and would give users a FICO score. Orman's incompetently run prepaid debit card soaked users dry until it closed two years later, without a single word from Orman or her co-conspirator TransUnion explaining her scam, even to this day.

Orman's prepaid debit card scam convinced victims to move their money from proper bank accounts onto Orman's shoddily run, fee-infested "Approved" card, which she falsely claimed with blatant fraud throughout the media landscape would cost no more than $3 per month and could be expected to improve their FICO scores (watch Orman's "Approved" card fraud in this section of the film). In 2012, Orman specifically targeted the poor, minorities, and the middle class, who then used social media to unwittingly spread her scam and victimize their own friends and families.

In 2013, Orman bragged that she had already made millions from the pockets of poor and middle class victims, before the "Approved" card abruptly closed in 2014 without a single word from Orman to date, stealing more money from these and many more financial crime victims on the way out.


These and many other victims of Orman's "Approved" card fraud deserve to get their money back!


From a post on Facebook by one of Suze Orman's "Approved" card victims (click here to see the full post)

    "So... back when I said I was working on my credit score and that this card, as advertised, was declared by this woman to work with a credit company (TransUnion) to boost scores... I was mistaken. Greatly, mistaken because it's a half-truth said by Suze and many people bought into it... The prepaid card that is supposed to work as a credit card literally does -nothing- for credit building and those who fell for the hype are in an 'experiment' with TransUnion and no results -may- even be seen for 18 months from January, when the card was introduced. I say 'may' because it is an experiment and therefore may have no impact at all, even after that time. One cannot express the fury and disdain I feel right now for this woman and the false advertising done. I have wasted a few months on this in hopes to just boost my score 20 points to get a new car and a house, because I didn't play the 'credit' game for years since I could pay my bills etc just fine without it... I have wasted serious time and some money on this when I could have been investing in my second bank account which is with a credit union. Guess who is on fire and really disappointed that she fell for any sort of hype and didn't listen to instinct? This girl right here. I'm the honest sort and I hate to be flamboozled or to see anyone else have that happen so I'm passing the word around. Some people seem to worship this woman and she has her little following of people trying to get better credit, etc. I'm calling her out as a scam artist and will be seeing what can be done about her in the future legally. The only reason many people bought into this card was for a chance to get better credit. Nothing on this card otherwise meant jack crap to me. Fuuurrriooouusss. Please pass this news around and I apologize for mentioning the card as an option a few months ago in a positive light."


    After bilking victims of her scam enough to brag to The Daily Beast that she had made millions from the ruse, Orman's "Approved" card closed with just a single, convoluted letter from Bancorp and without a single word from Orman to this day – in stark contrast with Orman blabbing about the card on more than 100 shows and media venues in 2012 and 2013. Journalists who heard about the card closing have obviously been too afraid of “The Orman Cabal” to even ask her about it, although several Orman-friendly shill reporters tried to make ridiculous excuses and suggest that the card may have closed because it was such a good deal.

    No government agencies to date have taken proper steps to refund victims’ money from Orman’s blatant fraud, or to question TransUnion, who made a lot of money from Orman's "Approved" card scam, or FICO who has paid Orman tens of millions of dollars, staying almost completely silent when she made fraudulent claims throughout the media landscape using their name.


    See how Orman fooled her victims into using social media to spread her fraud like a virus to their friends and family after she focused this scam on minorities, the poor, and the financially uneducated in one hundred appearances throughout the media and political landscape:


This one fraud would have landed anyone else in prison:







More about Elizabeth Warren, Hilary Rosen, the CFPB,
and the "Suze Orman Cabal"

Warren's mutual supporters, Suze Orman and Hilary Rosen, who CNN's Chris Cuomo bravely called out as, "The Orman Cabal," have run their shenanigans on the American people with impunity, thus far not receiving justice from the CFPB and other government agencies, who should have taken action, filed charges, and gotten restitution for Orman's financial crimes victims. Most journalists are afraid to get on the bad side of Oprah's protégé or Orman's partner, SKDK's political lobbyist Rosen, who apparently strikes fear in the hearts of democratic politicians with her use of threats to get them to change their votes (click here to see an example of Rosen's extreme power over one politician's vote).

Orman and Rosen are multimillionaires who have plundered the poor and middle class with schemes like Orman's "Approved" prepaid debit card scam, and many other damaging shenanigans. While representing themselves as democrats, Rosen and Orman have represented corporations that go completely against any democratic agenda.

Their big "Run Warren run" movements turns the American political process into one of those high school games Orman plays so well -- pushing their friend to run for student council by pressuring them with slogans, designed graphics, most likely by the experts at Rosen's SKDK, and having Warren herself look like a coy schoolgirl playing along, saying no but not definitive, but then saying no again, but allowing all this circus to go on, without requesting that the cabal and all the people roped into this movement stop the games and let her do some important work as a United States senator. 

If their push to get Senator Warren to either run or appear to be running weakens the presumptive democratic candidate enough that Republicans win the presidency in 2016, guess what?  These multimillionaires will get to make and keep a lot more money, while still representing themselves as being for the people. All this makes Warren look either low integrity or easily fooled. Senator Warren's actions in associating with Rosen and Orman, including allowing Orman to lie and then admit to lying right in front of her face with nothing more than an insipid smile in response, is a far cry from Warren's professed ideals of wanting to protect the middle class and the poor.

What is surprising is that Senator Elizabeth Warren would play along with such coy and distracting games that weaken democrats and the democratic process, playing "will she or won't she," and showing what must be willful ignorance or easily compromised integrity by exchanging mutually flattering pitches and publicly associating with and speaking alongside Suze Orman, who has been shown time and time again over the past fifteen years, by finance journalists top to bottom, to have plundered the poor and middle class to fill her own pockets and those of her corporate sponsors and billionaire protectors.

In a recent appearance of the two women that you can view below, Orman was caught on tape lying while sitting with a smiling Elizabeth Warren.  As apparently part of the Orman Cabal's quid pro quo at the direction of power broker, corporate shill, and political lobbyist Hilary Rosen, Orman has gone to the media to push Elizabeth Warren as president instead of Hillary Clinton. It is said that you can tell about someone's character by the company they keep, and regardless of how much I may agree with what Senator Warren says she wants to do, her unholy alliances tell a different story.

This is the same Elizabeth Warren whose Consumer Financial Protection Bureau has sat silently while Suze Orman’s committed blatant fraud with her schemes, including as her prepaid debit card scam.

After plundering poor and middle class citizens who were fooled by Orman’s “Approved” card fraud, the card abruptly closed in July 2014, charging card users more inappropriate fees on the way out and keeping some card users’ money as a final kick. But Hilary Rosen and Senator Warren were still there to protect and prop Orman back up. The "Approved" card closed without a single word from Orman to this day – in stark contrast with Orman blabbing about the card on more than 100 shows and media venues in 2012 and 2013. Journalists who heard about the card closing were too afraid of “The Orman Cabal” to even ask her about it, although several Orman-friendly shill reporters tried to make ridiculous excuses and suggest that the card may have closed because it was such a good deal. No government agencies to date have taken proper steps to refund victims’ money from Orman’s blatant fraud, or to question TransUnion, who made a lot of money from Orman's "Approved" card scam, or FICO who has paid Orman tens of millions of dollars, staying almost completely silent when she made fraudulent claims throughout the media landscape using their name.

Why hasn't the Consumer Financial Protection Bureau taken steps to refund the hard-earned money Orman's fraud scammed from the poor and middle class since 2012? Why has the CFPB turned a blind eye to Orman's fraudulent and corrupt schemes while going after con artists and criminals who have caused far less damage?


In the midst of all this criminal activity by Orman, Senator Warren has been partnering to prop each other up instead of investigating and bringing the criminal to justice.


Unfortunately for that disabled vet who is asking Senator Elizabeth Warren for help in getting his stolen money back from Orman's card, Warren has sold her integrity to be entangled in "The Orman Cabal."

Watch Hilary Rosen's handiwork in action on Facebook

How disappointing that even while knowing the information in the main "Suze Orman Problem" webpage and documentary film, Senator Warren went so far as to give this thief public shout outs on Twitter. Warren's support for Orman came at the exact same time all the poor and middle class victims of Orman's fraudulently pitched, shoddily run, and now messily closed "Approved" prepaid card scam that in two and a half years had already plundered millions of dollars from them were now finding themselves unable to access any of their hard earned money for food, medicine, and other basic necessities -- during the same time that Orman and her partner in crime were posting photos and videos of their luxury trip around the world.

Orman's "Approved" card scam is just one in a long line of fraudulent, plundering schemes throughout her career.

Click here to access the main "Suze Orman Problem" page and documentary film, with customer complaints, photos, links, and more.

In contrast with Warren's apparent efforts to protect the poor and middle class, Senator Warren's finance commissions have allowed the Suze Orman/Hilary Rosen scams to continue, with no questions asked. Most striking of Orman's recent scams is her "Approved" prepaid debit card that has stolen millions of dollars directly from the pockets of the poor and middle class in the past two and a half years, after Orman's fraudulent, media-wide misinformation campaign convinced them that using her fee-laden, shoddily run card would improve their FICO scores. Surely it would not have been difficult for Warren and the CFPB to notice well over one-hundred published articles by finance journalists top to bottom, warning their readers not to fall for Orman's prepaid debit card scam.

Nevertheless, even after the Orman "Approved" card and other scams have plundered millions from the poor and middle class, Senator Warren is allowing herself to be used by Orman's PR representative, political lobbyist Hilary Rosen, who also represents the BP Oil Spill, and uses venues such as CNN and Politico to give credibility to Suze Orman and her scams, shams, and shenanigans. Rosen's SKDKnickerbocker was also hired by Kaplan Education to block Obama’s reforms on for-profit college companies such as University of Phoenix, in an industry plagued by by low quality education, false promises to students, and fraudulent business practices.

From "The Real Hilary Rosen Scandal" at The Nation:

"We've compiled a partial list of SKDKnickerbocker’s clients. Since the firm refuses to register as an ordinary lobbying firm, we don’t know their full roster of clients:

— SKDKnickerbocker was hired by Kaplan Education to block Obama’s reforms on for-profit college companies, an industry plagued by by low quality education, false promises to students, and fraudulent business practices.

— SKDKnickerbocker was hired to push for billions in tax breaks for already profitable corporations. As Bloomberg reported, SKDKnickerbocker manages a lobbying campaign called “Win America,” an effort by companies like Google and Pfizer to receive hundreds of billions in tax breaks on profits made overseas.

— SKDKnickerbocker was hired by a coalition of food manufacturers to fight the Obama administration’s proposals on food nutrition standards. As the Washington Post reported, the firms paying Dunn include General Mills and PepsiCo.

— SKDKnickerbocker represents consulting for Students First, a lobbying group aimed at destroying collective bargaining, and replacing public education with a mix of charters, private schools, and online learning companies. According to documents revealed the blog At The Chalk Face, Students First helped craft bills in Michigan to break teachers unions by severely limiting collective bargaining.

— SKDKnickerbocker previously worked with the Association of American Railroads, a group representing large railroad companies. When the railroad industry was in a pitched battle with their respective labor unions, SKDKnickberbocker produced ads for the railroad lobby."




Some of this theory is educated conjecture, but from the beginning of this election, I also saw evidence Rosen's high school level paw prints on the whole idea of Donald Trump running as a republican, whether with his knowledge and complicity, or others manipulating him to do their will, including Trump taking out the whole field of possible candidates with his insults, now working to ruin the campaigns of McCain, Ryan and others up for election, and perhaps ready to throw the election on behalf of his friend Hillary Clinton, for which he will likely be richly rewarded by those who created this sham. Again, that part is more conjecture than the facts shown in the rest of this presentation. Perhaps Donald really does want to move out of his comfortable life into a world of constant challenges and more criticisms than he's already receiving, including the high-school level hashtags and video slurs being created by Clinton's campaign strategists, including Hilary Rosen.

Although I generally would like to see democratic candidates in power, the unscrupulous means being used by the "Rosen Cabal," the real extent of which are barely alluded to in the Wikileaks emails thus far, give concern that both parties have become too corrupt to function properly, and that our political system is being hijacked by the Rosen/Wasserman-Schultz fueled "mean girls" high school level cabal, just as Rosen hijacked the entire media landscape to plunder the poor and middle class with Orman's "Approved" prepaid debit card scam, as  you'll see clear as day in our new book and documentary film. It is of serious significance that one of Hillary Clinton's main advisors has used her political and media clout to help Suze Orman defraud the public, at the same time she was being paid millions to make everyone forget that the BP Oil spill happened, also lobbying for BP to avoid proper penalties and regulations, as they used African-American prison labor to clean up the toxic spill instead of hiring the many who were out of work and needing employment due to their Gulf spill.

Rosen has helped move corporations out of the country to avoid paying US taxes, represented for profit universities that make Trump University look like a great deal, also getting her pal Suze Orman in on a University of Phoenix scam that sullied Senator Elizabeth Warren's reputation with lies and compromised integrity, as Warren sat silently in a Rosen arranged event, while watching Suze Orman lie (in a clip you'll see at an hour into the film below), and much more. Rosen is close friends and co-conspirators with Debbie Wasserman-Schultz and other questionable figures accused of distorting our country's political system with mean girls games, false headlines, and more.

It has been disappointing to see the same kind of dirty strategies Rosen used to push Suze Orman's fraudulent prepaid card scam and rip off the public, also being used to degrade our political process. It certainly gives this democrat serious pause about the cabal behind our nominee in the current election.

August 3, 2016 update:
With Clinton finally cleaning out the DNC's rat's nest in recent weeks, perhaps Rosen's powerful ability to defraud the public will come to an end. We'll see...


Because this information is so timely with tendrils that are degredating our political discourse, we are offering this new book for free as a pdf e-book, along with paperback and Kindle books on Amazon. The documentary film is available to view for free on YouTube, and as a DVD for classroom and other uses.

Share this information with your friends and family. Send it to government agencies who have allowed Suze Orman and her DNC controlling cabal to plunder the poor and middle class for years. Show it to people you know who have fallen for her scams. Definitely show it to anyone who had a Suze Orman "Approved" prepaid debit card, or who bought a lot of gold stock in 2011 because Suze promised it would shoot up, when it instead shot down. Ask for explanations from the major media figures who have enthusiastically served up Suze Orman's scams. It's time to clean this up!



Table of Contents

Introduction: The Suze Orman SCAMvenger Hunt

1: From Waitress to “Financial Expert”: Orman’s History of Shams and Shenanigans

2: Seducing Corporations, Banks and Billionaires

3: Trumping Up Her Bank Account with a Gold “Pump and Dump” Scheme

4: Distortions of the “Queen Of Crisis”: Damaging the Economy for Personal Gain

5: The “Approved” Card Scam and Media Wide Fraud

6: Capitalizing On The Financial Illiteracy of The Poor, Minorities, and the “Occupy” Movement

7: The Scam-Ridden Card’s Demise and Cover-Up

8: Sociopathology and a Twitter Meltdown

9: And The Scams Go On…


This is an online multimedia book -- throughout the text, you’ll find underlined links to videos, articles, and other supportive documentation.



Chapter Two:

Seducing Corporations, Banks and Billionaires

Suze Orman


After Oprah lifted Orman onto a pedestal of untouchability, Orman hung out the “pseudo-pitches disguised as financial advice for sale” sign, and began to court corporations, banks, and companies of all kinds to plaster her hypnotic eyes and crazed grin on their products. “You too can buy a piece of Oprah’s influence for pennies on the dollar.”

Orman made millions upon millions from these shady corporate deals, bragging to a classroom of low income at risk youth in 2013 (in between trips to the Cayman Islands) that, “Everybody thinks I’m worth fifty million dollars, and they’re way short. I am a seriously, seriously, wealthy woman.”



(Watch the unimpressed teens in this clip: Link 2-1)


A 2004 Chicago Tribune article clearly showed the kind of word and identity changing games Orman plays while trying to cover up her corporate sponsored unethical actions, and how she gets powerful media figures to play along with her lies. The article is one of several outcries from the media in response to this “Lock and Roll” commercial Orman did for GM, advising people to buy a new Cadillac.

(Watch Orman’s “Lock and Roll” commercial: Link 2-2)

From the Chicago Tribune, 2004: (Link 2-2a)

Ad puts adviser's advice in question”

In addition to her usual outlets--the eight-hour run of “The Suze Orman Show” on CNBC each weekend, her occasional appearances on QVC, her pledge-drive specials for PBS--an estimated 180 million people saw the financial guru pitching General Motors' “Lock 'n Roll” financing plan in an ad campaign that ran for 20 days in November and December, according to GM.

Besides being inescapable, the ads, for which Orman was paid an undisclosed sum to endorse the carmaker's zero percent interest rate offer, raised questions about how Orman could claim to give unvarnished advice to CNBC viewers while taking money from GM.

Her entire persona revolves around giving fair and wise advice to people who rely on her,” said David Bernknopf, a media consultant and visiting professor at the University of Colorado's School of Journalism and Mass Communication. “And if she's taking money from someone whose business touches on the advice she gives, how can that not raise questions about her fairness and honesty and independence? “

Ronald Duska, an ethics professor at The American College, a school for financial professionals, agreed.

Just because you're getting paid to say something doesn't mean you shouldn't say it,” he said. “But in a sense, she's using her financial credentials to help a company sell a product. That creates problems if she's supposed to be able to stand back and evaluate financial options.”

Indeed, those credentials are precisely what made her attractive to GM: “We approached her because she is a widely recognized and respected financial adviser,” said GM spokeswoman Deborah Silverman.

Orman bridles at the contention that the ads compromised her integrity. They were, she says, just another way to provide people with financial advice. Besides, she's not journalist.

I have now become a celebrity,” she said. “Whether the reporters who have bashed me for years want to believe it, Suze Orman has become ... somebody that America has embraced.”

And, as such, she says she should be held to the same standard as other celebrities who endorse products.

Suze Orman

In 2009, Woman’s Wear Daily offered these insights into the machine behind Orman’s continuing corporate shenanigans:

(Orman shares five homes) with her partner, Kathy “K.T.” Travis, 56. The two met eight years ago when Travis, a former advertising executive at Ogilvy & Mather, moved back to the Bay Area from Hong Kong. “We had mutual friends,” Travis says. “They said, ‘She writes about money.’ I said, ‘That sounds boring.’ I’d been in China. We didn’t have CNBC. I didn’t watch Oprah. But Suze is electric. Within a week, she made me throw out all my credit cards and things I didn’t need.”

Travis now runs Orman’s company, a burgeoning media empire that includes books, tapes, the Saturday night CNBC show, a column for O, the Oprah Magazine, and a partnership with credit reporting agency Fair Isaacs Corp. Fair Isaacs’ credit model, known as a FICO score, is the most widely used in the United States and the arrangement between them and Orman has been a source of controversy in the financial press, since Orman promotes the importance of a good FICO score in her books at the same time she is earning money from the very company that sends that score to potential lenders.

Another source of controversy is Orman’s relationship with TD Ameritrade, with whom she has a business partnership. To convince viewers of her show to begin saving, Orman has suggested going to Saveyourself.com (a Web site she set up) and opening an account with that firm. If you deposit $50 a month in each of the first 12 months, the bank will match you — up to $100. “It’s a savings rate of 15 percent,” Orman has said repeatedly. The trouble is, after the first $600, the interest rate drops to an ordinary one, making the offer more of a marketing ploy for the bank than anything else.

Also in 2009, the New York Times featured Orman’s wife and brand manager, Kathy Travis explaining, assumedly with a straight face, that Suze’s interest “is not to gain wealth or money—her interest is in helping people.” (It is worth reading this article for many other signs of Orman’s behavioral and other problems: Link 2-2b)

Travis also negotiated a deal for Orman with the developers of FICO, the credit-score formula, for whom Orman now produces an instructional kit that she sells on QVC. And Travis has taken over the management of Orman’s brand. She occasionally lays it on a little thick. Explaining that Orman herself rarely seeks out new business opportunities, Travis says, “Oh, no, Suze doesn’t do that, because her interest is not to gain wealth or money — her interest is in helping people.”

Contrast that with what Orman said to The Chicago Tribune a few years back, when she was criticized for shilling a zero-percent-interest campaign for General Motors in a television ad that ran for a few weeks. Critics charged that she was compromising her objectivity (and that she hurt her credibility by implicitly endorsing the purchase of new cars, which she, like most financial planners, characterizes as a money-losing proposition). “You think they don’t know I was paid to do the G.M. commercial?” Orman said of her viewers. “I’m not in this for charity. This is a business, and anybody who thinks that it’s not a business is an idiot.” It’s a more candid take on her motives than Travis’s, but in its no-nonsense way, it’s pitch-perfect Suze.

Get that, anyone who thought Suze Orman might have a particle of kindness or generosity? “I’m not in this for charity. This is a business, and anybody who thinks that it’s not a business is an idiot.”

The same Chicago Tribune article quoted by the New York Times is also filled with Suze SCAMvenger hunt clues that help to paint the picture of Orman’s shenanigans in the early 2000s, including how she got people like CNBC’s top brass to violate their own intelligence and integrity to play along with her shams:

CNBC is usually scrupulous when it comes to ethical guidelines. Every financial professional who appears on the cable network's daytime shows is required to disclose interests in any company they may discuss, including holdings by family members.

Employees are under stricter guidelines--reporters and correspondents are barred from holding individual securities, lest the prospect of personal enrichment influence their coverage.

It raised a lot of eyebrows around here when we first saw the GM commercials,” said one CNBC staffer. “Clearly it's not something that in general we would be able to do.”

The guidelines do not apply to Orman, explained CNBC spokeswoman Amy Zelvin, because Orman owns her show, and CNBC pays her a license fee to air it.

Suze Orman appears on CNBC as an expert commentator,” Zelvin said. “She is not an employee of CNBC and she is not a journalist. As such, she is able and permitted to pursue outside business ventures.”

But CNBC's Web site suggests otherwise: Orman is listed as the network's “personal finance editor,” a title that suggests both employment and journalistic decision-making.

I recently resigned from that position,” Orman explained. “When all this started with the GM thing, I called up [CNBC Enterprises general manager] Bob Meyers. I said `Bob, this is ridiculous.' I don't do anything as personal finance editor. It was an empty title really. Why even have it?” Orman said she retired the title sometime in late November, and that she had been personal finance editor for about three years.

Zelvin, who expressed surprise when informed of the title, said: “We should have been clearer that she's a commentator and not a journalist.”

(At press time, CNBC's Web site still identified Orman as personal finance editor on the site's “Anchors and Reporters” page.)

Then came an example of one of Orman’s favorite ways of dealing with valid criticism:

Barbara Lippert, the advertising critic for Adweek, a trade magazine, said Orman is a “hypocrite.

Suze Orman claims to give uncorrupted advice, yet she's being paid by one of America's largest corporations to flog its brands,” she said. “It's a complete conflict of interest.”

Orman dismisses such criticism as sour grapes.

They hate Suze Orman and love to bash me because they're so jealous of my success,” she said. “They just cannot understand how it is that I've sold millions of copies of books, I won an Emmy Award this year, my show on CNBC is the highest-rated show on weekends. How is any of that possible? They hate me because I tell people the truth.”

As a certified financial planner, Orman is required by the Certified Financial Planner Board of Standards, a private industry regulatory body, to disclose her sources of income to clients. That rule applies to one-on-one paid consultations, but not TV shows. Asked why she doesn't offer a similar disclosure to her viewers, Orman said: “I'll tell you the sources of my income—everything I do is a source of income to me.”

There it is: “I'll tell you the sources of my income—everything I do is a source of income to me.” You can’t say Orman didn’t warn everyone that everything she does is a source of income to her.

Although the Chicago Tribune described Orman as having a CFP certification, she had let any credentials lapse before their 2004 article, and apparently hasn’t had a single financial credential for over a decade.

Suze Orman doesn’t have to follow ethical rules required from accredited financial advisors, because she has no current credentials, and is nothing more than a celebrity. That was said while nearly every major television news and talk show personality was touting Suze Orman as a financial expert, wizard, and guru, including Senator Elizabeth Warren.

Suze Orman


This appearance on the topic of student debt had a big kerfuffle when one of the reporters asked Orman about being paid to lobby and record videos for the most predatory for-profit school out there. That exchange generated a Huffington Post article, “With Senator Warren Watching, Suze Orman Denies, Admits, Rationalizes Teaching at University of Phoenix.” (Link 2-2c)

Suze Orman not only was hired by the University of Phoenix to teach an online personal finance course, but also last year she appeared at a Capitol Hill event where she promoted the school. It’s difficult to understand how a person who proclaims herself “undeniably America’s most recognized expert on personal finance” could accept such a role when, for many people, enrolling at a for-profit college can be the worst financial decision they make in their entire lives.

More on Orman’s affiliation with the University of Phoenix coming up in this chapter. You’ll also find more on the Warren-Orman Politico sham in Chapter Seven, including video of what happened to bring this look:

Suze Orman

More from the Chicago Tribune article:

Three years ago, Orman briefly sold long-term care policies on QVC and her site. The fact that Orman earned a commission off sales and that the policies were underwritten by a division of General Electric, which owns CNBC, caused a squall of press criticism that led her to abandon the project.

Orman said such criticism is unfair. Why, she asked, does nobody question the motives of Meredith Vieira of “The View”—a show that Orman frequents when selling her books—for appearing in ads for Bayer aspirin?

Or put another way, how much integrity does a celebrity need?

Not much, apparently.

December 2012 brought the end of a full year of Suze Scams that included over one hundred articles from financial journalists top to bottom who finally spoke up to warn readers about Orman’s “Approved” prepaid debit card scam.

One might think someone caught with their hand in the cookie jar of poor and middle class Americans might hang low for a while, but not Suze Orman when there is a buck to be made.

In December 2012, Orman capped a long year of using the media to defraud United States citizens to make one more greedy cash grab for the holiday season.

This financial advisor, who has often told people not to buy even a cup of coffee, was paid big bucks to star in a campaign and urge consumers to consider buying a new Acura luxury car as a reasonable and smart investment for their financial lives, just as she had done years earlier in her widely criticized “Lock and Roll” campaign for GM, when she called buying a new Cadillac, “the smart money.”

Click here to watch Orman’s “Season of Reason” commercial, where she drives a car like a maniac while advising people to buy a new Acura: Link 2-3.

Suze Orman

Note how Orman drives the Acura car just as recklessly as she has driven the US economy and individual lives for the past fifteen years.

From “Suze Orman Thinks You Should Consider an Acura,” by Pound Foolish author Helaine Olen in Forbes: (Link 2-4)

In the spot, which began airing earlier this month, Orman, driving a brand new Acura TL, pulls up to a shopper eying a striking pink evening gown in a store window. “Hey girlfriend, get in,” the first lady of finance says, before taking her fan on a careening ride, all the while lecturing her to avoid an “emotional money mistake” like the dress and instead be “reasonable” and “spend smart.”

And what might qualify as “smart” spending? Well, if you guessed a $40,000 2013 Acura TL, you guessed right. When the commercial ends, we hear actor James Spader proclaim in a voiceover, “This holiday, listen to the voice of reason. Acura’s Season of Reason sales event.”

How a dress—which simply cannot cost more than several hundred dollar —is an “emotional money mistake” but purchasing a car costing tens of thousands of dollars is a smart and savvy financial move is never addressed.

Of course, buying a new car goes against the advice of most financial advisors, including Suze Orman, but if the company pays enough, Suze Orman's pseudo advice can be bought.

Disappointedly, this Acura “Season of Reason” ad even played during The Daily Show, which should have been exposing Suze Orman's plundering shenanigans to protect the public, rather than taking money and allowing Suze Orman to fill her pockets while advising Daily Show viewers that buying a new Acura is a good financial decision.

With Suze Orman's price for advice” schemes, if a corporation puts enough money into Orman's pockets, she will use her undeserved extreme clout as someone on the “most influential” lists of Time and Forbes magazines to say whatever the company wants her to say, fooling those who have been convinced by media supported shams to consider “financial expert” Suze Orman's advice as honest and trustworthy.

Another one of Orman’s predatory shenanigans was to sell her name and public trust to the University of Phoenix, a controversial for profit school with many complaints and a high default rate that is nearly double that of a public four-year school.

From David Halperin on the Huffington Post: “Suze Orman Teaching Personal Finance Class—At the University of Phoenix” (Link 2-5)

If you were teaching a course on how to manage personal finances, one of the best pieces of advice you could give is to avoid attending a for-profit college. A series of government and media investigations have exposed that signing up with a for-profit college could well be one of the worst financial decisions a person could make in his or her entire life. Many of these schools offer a toxic mix of ultra-expensive tuition, low-quality classes, high dropout rates, and poor job placement. As a result, they often leave students -- single parents, veterans, immigrants, and others struggling to earn a living -- without jobs and deep in debt from the loans they've taken out.

For-profit colleges have 13 percent of U.S. college students, but an astonishing 47 percent of student loan defaults. So why is Suze Orman -- who calls herself “undeniably America's most recognized expert on personal finance” -- teaching an online personal finance course at the University of Phoenix, the biggest of these controversial for-profit colleges?

Suze Orman

Around the same time, came announcements that the University of Phoenix was being investigated by the Federal Trade Commission in an example of government agencies going after Orman’s partners and sponsors, apparently deeming her to be untouchable because she has no credentials that would require her to be honest or act in the best interest of her clients. From CNN Money, “University of Phoenix is the latest college under investigation” (Link 2-6)

The struggling school is now facing a probe from the Federal Trade Commission. The agency is looking into whether the school engaged in deceptive marketing tactics, its parent company, Apollo Education Group (APOL), said Wednesday.

Ten years earlier, University of Phoenix was fined by the U.S. Department of Education for violating the rule banning pay incentives for recruiters in an effort to boost enrollment.

Wikipedia states that, “University of Phoenix students owe more than $35,000,000,000 in student loan debt, the most of any US college,” and notes that, “In 2016, stockholders of Apollo Education Group filed a class-action lawsuit against the corporation, arguing that the company withheld information that led to significant losses in stock prices. Several of the allegations are related to University of Phoenix's recruiting of military personnel and veterans.”

This wasn’t the first time Suze Orman used the military as part of her scams, nor would it be the last.

This next quote from another article by Halperin shows one example of how Orman’s political lobbyist publicity strategist uses politicians and other government agencies and officials to help Orman run her scams on the American public, in this case, getting Orman appearances with congress members on Capital Hill to lobby for this predatory for-profit school:

Suze Orman not only was hired by the University of Phoenix to teach an online personal finance course, but also last year she appeared at a Capitol Hill event where she promoted the school. It's difficult to understand how a person who proclaims herself “undeniably America's most recognized expert on personal finance” could accept such a role when, for many people, enrolling at a for-profit college can be the worst financial decision they make in their entire lives.

Suze Orman


Orman running her University of Phoenix shenanigans on Capital Hill

The University of Phoenix has received loads of complaints from students who ended up with huge student debts that cannot be discharged even through bankruptcy, with nothing to show for all their time and money. U of P has nearly all one-star reviews on the Consumer Affairs website.

Suze Orman

Two reviews right off the top of the page include this description by a University of Phoenix professor:

My experiences at the university as a professor and as a student have both been horrible. The university accepts students who cannot be successful, takes their money because this is only a business and not an institution of higher learning and pressures professors to pass students who cannot do the work. I quit teaching for that reason. As a student, the university did everything possible to make my experience horrible and to keep me taking class after class to complete a dissertation proposal. When I complained about the external reviewer, they assigned a new one who complained about everything approved by the previous reviewer. Do not go to this fake school or you will be sorry. They will take your money, you will waste your time, and you will get nothing out of it.

And this from a student:

My experience with this school has been a complete nightmare. They will tell you ANYTHING to get you enrolled into classes. I was lied to in so many ways. Being greatly deceived, I decided not to return to class after taking a Leave of Absence. This must have gotten under someone's skin because they Administratively Withdrew me then sent an email a week later demanding payment for Resource Fees. This was my second attempt to complete their MBA program so I honestly tried to give them a chance. This school is only concerned about making money and could care less about your success. Attending U of P was a waste of my time!

More reviews about this nightmare school here: Link 2-6a

As she often does, Orman set the stage for this corporate paid sham by praising the scandal ridden University of Phoenix in this obviously ghostwritten article titled, “Suze Orman: Redefine your child's 'dream school,’” that ran in USA Today in December, 2011: (Link 2-7)

Suze Orman

Suze Orman: Redefine your child's 'dream school'

By Suze Orman

Between the Greek debt crisis, the collapse of the congressional “supercommittee” and a ballooning budget deficit, it's hard to remember sometimes how much the average family is suffering. Perhaps the best example of that is a silent crisis that is taking place in America: the student debt crisis…

It's such a rampant problem that the new Consumer Financial Protection Bureau is working with the Department of Education to come up with a standardized one-page document that clearly spells out to every student and parent what it will cost to attend college. Fortunately, a few universities are realizing their duty to step up to the plate by themselves. The University of Phoenix, for example, makes all its students go through a free and mandatory three-week orientation course to make sure they understand the full costs of college before they sign on the dotted line.

This is an example of Orman’s common tactic of appearing to be protecting the public from exactly what she is doing to rip them off, just as she warned people about fee-laden prepaid debit cards as part of her fraudulent pitches for her even more predatory card.

The USA Today article came out soon before Orman announced the commencement of her new “class” at the University of Phoenix, and most likely around the time when she signed the deal and started putting out her “advice for a price” on their behalf. Note that Orman’s class consisted of videos of her reading words off a teleprompter, as she does in this enthusiastic pitch for the University of Phoenix: Link 2-7a

Gangster Suze's got it down to a formula, and the companies who use her shenanigans, as well as media outlets that served it up to the public, should all look at the damage they have contributed to creating for their audiences, for the economy, and for the world.

With all her pseudo care for the educational system, note that in her 2009 interview with the New York Times, Orman—who likes to brag that she never got above a “C” in a single college class and took many extra years to get a bachelor's degree in social work—showed her disrespect for doctors, universities, students, and teachers in one fell swoop: (Link 2-8)

Orman has strong opinions in general. She won’t speak before many doctors’ groups, because they get on her nerves (doctors always think they know better, she says). Until recently, she didn't like to speak at universities, because they generally don’t charge students to attend her lectures, and she says that people don’t value things they haven’t paid for.

She has been reluctant to work on school curricula on personal finance, because she says students can’t learn empowerment from people who aren't empowered, and teachers, she says, are too underpaid ever to have any real self-worth. She told me: “When you are somebody scared to death of your own life, how can you teach kids to be powerful? It’s not something in a book—it ain’t going to happen that way.” She once delivered pretty much the same message at an anniversary celebration of a private school—she seems to recall calling the school a “travesty”—and was all but escorted to the door when she was done.

Orman hasn't ever hid her almost complete lack of credentialsin fact, she gloats about conning the world into thinking she is an expert in something she barely studied. In nearly every talk for more than fifteen years, Orman told tells the same “inspiring” story about how she barely made it through school to get a B.A. in social work after many years, never received above a “C” in ANY class, grew up in the South Side Chicago hood, lived in her van, and was working as a waitress for $400/month.

(Watch Orman gloat about her lack of credentials: Link 2-9)

Of course, it is intriguing and in a sense for some inspiring to see how someone with no credentials has made her dreams come true, until you realize that her impressive con artist skills placed her in a position where she had enough power over the economy and society to be named one of Time magazine's 100 most powerful people in the world in 2009 and 2010, thanks to her mega-supportive team of right wing corporate CEO Jack Welch and his wife Suzy, who wrote this ridiculous essay about why Orman deserved to have so much extreme influence. (Link 2-10)

Let me tell you what it's like to be named Suzy, no matter how you spell it. People expect you to be perky. “Suzy Sunshine” they call you, as if you might like it, or worse, “Suzy Cream Cheese.” People expect you to be frivolous, frothy and not particularly smart. They expect you to be, well, ordinary. Suze Orman, 57, is none of those things.

Take ordinary. Oh, please! Here is a woman who sleeps four hours a night because she thinks the world is too exciting to turn off. Here is a woman whose idea of relaxation is watching the surf in front of her Florida home while listening to stock-market reports.

Frivolous? Frothy? Again, no. Suze Orman can't let a stranger walk by — and I have seen this firsthand — without asking, “Do you have credit-card debt?” She needs to know so she can help. So she can change a life. And not later or a little bit. But now, profoundly. And as for not particularly smart — look, you do not become the personal financial adviser to the world by giving stupid advice.

Which leaves perky, and all right, maybe Suze Orman is perky. But she's perky with an edge. Her optimism comes from a belief that all of us have the power within us to improve how we save and spend our money and thus the power to forge lives that are better, fuller and richer in every way.

So call Suze Orman Suze if you must. Just know that her name hardly does her justice at all.

Welch is the author of 10-10-10, a guide to managing life decisions

Suze Orman


Here is Orman with her friend and supporter Jack Welch, previous chairman and CEO of General Electric, who you’ll see in our film claiming that, “Corporations are people.” Welch’s wife, Suzy, is the one who nominated Suze Orman to be named one of the one hundred most influential people in the world by Time magazine.


Suze Orman


Corporate CEO and republican candidate Steve Forbes has also shown quite a protective penchant for Suze Orman, including posting this photo of their meeting when Forbes’ daughter was trying to rehabilitate Orman’s reputation after she had been eviscerated by the press for running a fraudulent prepaid debit card scam on the American people.

Suze Orman

Forbes magazine has published many shill pieces on Orman, including her headline blast that, “The American Dream is Dead.” They also hosted one of the only positive articles about Orman’s predatory “Approved” card, titled, “You Suze Don’t Lose: Approval for the Approved Card.”

Just a year after more than one hundred journalists had warned their readers about Orman's prepaid debit card scam, with many assuming her career was over, Forbes declared Suze Orman the ninth most influential celebrity in the world for 2013. I don’t know about their behind-the-scenes liaisons, but it certainly looked like a corporation trying to rehabilitate that busted con artist’s reputation.

Suze Orman

As a side note, in our film, you can watch Barbara Walters hosting Orman’s prepaid debit card scam on The View, with a truly bizarre snake oil conversation that even a first year reporter could have seen as the fraud it was, much less a seasoned journalist such as Barbara Walters.

Moira Forbes’ interview took place in 2012, after Orman had already been called out and eviscerated by the entire financial journalist community for running an obvious prepaid card scam on the American public. The whole interview is worth watching for it’s many narcissistic and deceptive moments. Orman wants a new credit scoring system that she doesn’t detail beyond counting her prepaid card, and she wants it to be called the “S.O. score” in her honor. She calls the “Approved” prepaid debit card the most important thing she’s ever done, a line Orman uses for nearly all of her products and schemes.

Orman also tells Forbes that this prepaid debit card is her “last stand” (though certainly not her “last scam”) before her planned retirement from the financial business in 2015, which would come to bring a whole lot more scams and shams. Watch the interview: Link 2-11.

Note the extreme deference paid to Orman by Forbes, daughter of Orman supporter Steve Forbes. Why would right wing corporate heads take such care to put left wing con artist Suze Orman on a pedestal of extreme influence and continually protect her from justice and public revelations about her financial crimes?

Orman’s FICO Shenanigans

FICO (Fair Isaac Corporation) has had its finger in the Suze Orman pie for two decades, with many examples of Orman’s usual high-school level games of, “You scratch my back and I'll scratch yours.”

Suze Orman

In a sense, Orman put Fair Isaac on the public consciousness map by exuberantly pushing FICO scores as the most important issue for everyone’s financial lives. Orman has pushed FICO products for the past two decades, aside from the time she took some revenge pot shots at them for not being complicit enough in covering up her “Approved” card scam.

FICO is clearly indebted to Orman for using her Oprah-bestowed, undeserved clout to put them on the map, which may be why they let her fool and steal from the public by deceptively using their name to pitch her “Approved” prepaid debit card scam—something FICO would surely have sued anyone else for doing.

In a 2005 press release, FICO proudly announced that Orman's pitches had taken them “from a one-product experiment in consumer education,” to selling tens of millions of FICO scores in four years.

I don’t have documentation for this, but have heard that Orman got her usual deal percentage of 50% from FICO for each fifty-dollar kit. If so, that would add up to tens of millions of dollars into Orman’s pockets in just those four years. (Link 2-12)

Suze Orman


Fair Isaac Corporation (NYSE:FIC), pioneer of the FICO(R) credit score used by most lenders to evaluate consumer credit risk, today announced that its myFICO(R) consumer division and its partners have sold the 10 millionth FICO score to U.S. consumers. The milestone coincides with the fourth anniversary of www.myFICO.com.

In four short years, myFICO.com has grown from a one-product experiment in consumer education to become the most trusted source in the country for people wanting to learn their real credit rating and the kinds of actions they can take to improve it over time,” said Cheri St. John, vice president of Global Scoring and Consumer Solutions for Fair Isaac. “As a consumer destination, myFICO.com is unmatched in the industry for the product innovation, educational tools and information it provides.”

As an example, St. John cited Suze Orman's FICO(R) Kit, the industry's first collaboration with a celebrity financial expert to provide consumers with personalized information to help them understand what they can do to improve their credit standing and potential over time.

That little three digit number -- your FICO score -- is the most important number you have when it comes to your financial future,” said Suze Orman, Emmy award-winning talk show host and author of The New York Times best-seller, The Money Book for the Young, Fabulous & Broke. “Just about every financial move you make for the rest of your life will be somehow linked to your FICO score. Knowing and improving your FICO score is the most important way to make more out of your money.”

Orman’s coffers got a huge windfall from her deal with FICO, including their obvious reluctance years later to call Orman out on her blatantly fraudulent claims in 2012 that buying her crummy, fee-laden Approved prepaid card could be expected to improve users’ FICO scores. (Watch video of Orman perpetrating her fraud on college students, specifically lying and saying that FICO was on board with her schemeLink 2-13)

In the Twitter messages at this link, you can see examples of poor and middle class citizens who were fooled by Orman’s prepaid card fraud and conned into scamming their friends and family with false FICO claims on her behalf: Link 2-14.

2012 put FICO in a pickle, with their golden girl spreading lies about them having interest in using her “Approved” card to improve users’ FICO scores, and hundreds of articles warning people about Orman's prepaid card scam. Journalists wanted to know what Fair Isaac had to say.

FICO clarified the truth as gently as they could without getting their queen scammer upset. They gave this single response to only one journalist of the many who were questioning Orman's obviously deceptive pitches. Why FICO is not interested, from the Baltimore Sun: Link 2-15

FICO, which produces a widely used credit score, also questions the value of the information.

Spokesman Anthony A. Sprauve wrote in an email that FICO considers only credit history information on reports from the major bureaus—and spending on prepaid cards isn't part of that.

In our experience, spending is not actually a great indicator of the thing that the FICO score tries to measure, which is the likelihood you're going to default on a credit bill,” he said.

When FICO didn't back up Orman’s prepaid debit card scam by staying completely silent or playing along like TransUnion did, Orman went into her “Mean Girls” modus operandi of trying to destroy them.

When FICO didn't fully get on board to fully support Orman's fraudulent pitch throughout the media landscape that fooled people into thinking that her “Approved” card would improve their FICO scores, Orman turned against the company that has paid her tens of millions of dollars thus far. Seriously, they could hardly have done less to save victims of her fraud than they did by issuing one fairly mild statement to only one journalist. I guess she wanted them to outright lie for her.

During the Money2020 conference in October 2013, Orman used attendees as pawns to spread her revenge against FICO. It is just one documented example of Orman’s spiteful nature.

Suze Orman

This Money2020 conference event took place while Orman was still pushing her “Approved” card scam, in spite of mountains of bad press. At the same event, Orman used her usual tactic of sounding as though she is altruistically against exactly what she herself was doing:

Suze Orman

At this link, you can watch an interview titled, “Suze Orman's Snake Oil Schemes” with journalist David Shuster and Helaine Olen, two of very who have spoken up about Orman’s snake oil schemes: Link 2-16

Suze Orman

Once political lobbyist Hilary Rosen and SKDK started representing Orman, her scams hit new levels. I had never heard of Hilary Rosen previously. You may have seen her on CNN during the 2016 election cycle as a democratic strategist for Hillary Clinton and the DNC, whose controversial head, Debbie Wasserman-Schultz, Rosen calls, “a friend.”

Wasserman-Schultz has paid Rosen and SKDK hundreds of thousands of dollars, and many of the dirty tactics the DNC used to push Bernie Sanders out of the race had Rosen’s fingerprints all over them.

When I saw those dirty tricks—including deceptive headlines intended to paint Sanders as anti-woman and portray his supporters as violent, insisting on holding only a few debates at times when the fewest people would be watching, and voters who would be likely to vote for Sanders being disenfranchised—it all rang very familiar after these years of watching the scams, shams, and shenanigans of Suze Orman and her “Cabal.”

Even Senator Warren’s insulting Twitter retorts to Donald Trump sounded very much like the style of communications I’ve seen come from Rosen toward government officials and others who didn’t agree with her politics or go along with her wishes.

Rosen brings big advertising dollars to CNN from her clients, and CNN repays her in various ways, including giving Rosen’s clients free reign to scam CNN viewers, as they did while hosting Suze Orman’s blatantly fraudulent pitches for her ridiculous prepaid card on many of their most popular news shows, as though Orman’s predatory low end financial product that is on the level of those payday loans that Wasserman-Schultz has been criticized for supporting would be a worthy news story. CNN also used deceptive headlines to pitch Orman’s scam, including the blatantly false headline: “Prepaid debit card to help credit score.”

Suze Orman

As someone who generally aligns with democratic principles and who donated my time and skills to co-produce, script, and edit a documentary video titled, “Real People, Real Healthcare Needs,” with President Obama’s Organizing For America in 2009 to support his healthcare initiatives, I am far more concerned about the corruption this exploration has revealed in the democratic party than in the significant issues taking place on the “other side.” One reason I have rushed this book through is with the intention of inspiring the democratic party and media field to clean up the Rosen-related corruption now, rather than later.

Nobody who helped Suze Orman scam the poor and middle class with a misinformation campaign of blatant fraud that you’ll see detailed in Chapter Five could possibly have the best interests of our country and the American people in mind.

It was a good sign in June 2016 to see candidate Hillary Clinton somewhat replace the DNC chairperson with someone who looks a whole lot cleaner, but the rats’ nest is still there. Let’s take that start and keep going to clean out the “rats in the attic” from both the democratic and republican parties. Clinton and Warren would be better off speaking about their vision with integrity, rather than allowing Rosen and others to turn the United States presidential campaign into a barroom brawl.

Numerous articles have criticized Rosen for being paid big bucks by BP Oil as a crisis management consultant to make the public all but forget about BP’s gulf oil spill, and to lobby politicians so they would easy on BP and not create new regulations that might cost BP Oil some of their massive profits while helping to preserve our planet earth. This effort included a big ad campaign painting BP in a favorable light for all the good they were doing in the community they had devastated—ads that were often hosted by Rosen’s pals at CNN.

Here are some interesting points about this Orman cabal partner and democratic strategist in an article titled, “The Real Hilary Rosen Scandal,” published by The Nation: (Link 2-17)

Suze Orman

From the article:

We've compiled a partial list of SKDKnickerbocker’s clients. Since the firm refuses to register as an ordinary lobbying firm, we don’t know their full roster of clients:

None of those questionable associations apparently bothered Rosen pal Arianna Huffington, who has also hosted many of Orman’s scams and shenanigans on Huffington Post, including a long personal interview where con artist Suze Orman exuded snake oil from every pore about her “Approved” card, while Arianna Huffington nodded foolishly.

This video clip from that interview shows Huffington looking on with a blank stare as Orman calls her predatory prepaid deal with MasterCard a “grassroots project” that will make America great again: Link 2-17a

Suze Orman

Huffington did, however, suspend Hilary Rosen from her usual access to Huffington Post for a time, when Rosen crossed the line and was being paid millions to cover up BP’s oil spill in the press, to lobby to protect BP Oil from repercussions and regulations, and to remove the gulf oil spill from the public consciousness.

From “HuffPost cuts ties with BP consultant Rosen” from Politico: (Link 2-17b)

The liberal news site Huffington Post has cut ties with its former Washington Editor at Large, Hilary Rosen, because of Rosen's new role as a consultant for the embattled oil company British Petroleum.

Rosen, a Washington figure and former chief music industry lobbyist, now heads the Washington office of the Brunswick Group, which is part of a phalanx of lobbying and communications firms retained by BP to battle Congressional and Administrative retribution and new regulation for its massive Gulf oil spill.

Hilary is no longer our Washington Editor at Large, a mutual decision we recently reached given her involvement with BP,” wrote Arianna Huffington in an email today, responding to a query from POLITICO. “However, we still have a great personal relationship. And, of course, Hilary’s work with BP has had zero effect on our coverage of the company or the disaster in the gulf. Comprehensive and hard-hitting, our coverage speaks for itself.”

Don’t worry about BP Oil though, they had plenty of money to pay Rosen, while using prison labor instead of displaced workers who needed jobs to clean the spill, according to this article in US Uncut, titled, “These 7 Household Names Make a Killing Off of the Prison-Industrial Complex”: (Link 2-17c)

When BP spilled 4.2 million barrels of oil into the Gulf coast, the company sent a workforce of almost exclusively African-American inmates to clean up the toxic spill, while community members, many of whom were out-of-work fishermen, struggled to make ends meet. BP’s decision to use prisoners instead of hiring displaced workers outraged the Gulf community, but the oil company did nothing to reconcile the situation.

If you didn’t previously hear about this disgusting greed in the face of BP Oil’s own disaster, you have Hilary Rosen and her crew to thank for covering it up with many commercials, including ones that played on Rosen’s often-complicit channel, CNN, celebrating how beneficial and helpful BP Oil was to the local people.

Rob Copeland from the Wall Street Journal laughed about Rosen saying her help in moving controversial company Herbalife to the Cayman Islands was not related to the fact that the move would allow the U.S. company to avoid paying taxes:

Suze Orman

Gay publication QUEERTY outed one of their own when they published the article: “Power Lez Hilary Rosen Is Helping BP Confuse the Public About Oil Devastation”: Link 2-17d

Suze Orman


From the article:

Just who is BP looking toward to help spin its way out of the Gulf oil spill crisis? None other than former HRC and RIAA head Hilary Rosen, one-half the lesbian power couple with Randi Weingarten.

BP has spent some $625 million in the past six years lobbying D.C. to keep oil regulation lax. And it’s found room in its budget to send some cash into gay pockets, relays WSJ.

After the spill, the company brought on crisis communicator Hilary Rosen, former Democratic congressional staffer, former chief executive of the Recording Industry Association of America, and a current editor-at-large for HuffingtonPost.com. Ms. Rosen heads the Washington-based office of U.K. communications firm the Brunswick Group. Public records are not yet available on the new Brunswick contract. Ms. Rosen declined to be interviewed on the record.

It’s unclear what Rosen’s role with BP is, but undoubtedly it’s to use whatever pull she has in Washington (and that’s up for debate), working in tandem with BP’s lobbyists, to keep lawmakers from tightening off-shore drilling rules. That, and seed stories to the media that highlight any single positive thing BP is doing to control the spill.

More of Rosen’s background from Wikipedia:

(Hilary Rosen) presided over the RIAA during the period of when the rise of the Internet notably conflicted with the established recording industry interests. She was paid to lobby the US legislature and was a regular presence on behalf of her employers in the recording industry at a time against proponents of file sharing and new Internet technologies.

During her tenure the RIAA filed lawsuits against early peer-to-peer file-sharing communities including Napster, Audiogalaxy, and Grokster. The organization lobbied the US Congress to pass controversial legislation supporting Recording Industry interests, such as the Digital Millennium Copyright Act, the Record Rental Act, and numerous trade treaties (see Societal views on intellectual property)…

In 2002, Rosen began to argue that the recording industry should begin even more aggressive tactics aimed at individual citizens engaged in file sharing. The content industry, already facing an anti-copyright backlash, opted against Rosen's approach…

Next comes an important admission from this democratic party’s “Koch sister” fundraiser and procurer of massive contributions:

In 2010, Rosen gave an interview and spoke candidly on her career:

When I gave $1,000 or $2,000 to a lawmaker, I wanted him to listen to my business proposition. And when I helped organize an event that raised $50,000 or $100,000, you bet I expected their vote. Why else do it?”

Why else do it? Maybe to serve our country and help the best person to win? You can bet Rosen had many motives for making sure Bernie Sanders never came anywhere close to getting the 2016 democratic nomination.

Regarding Rosen’s activities as a political lobbyist, Wikipedia adds:

White House visitor logs list 35 instances where a “Hilary Rosen” visited the White House. In 2009, the AP reported that Rosen was present at a White House meeting between health care industry lobbyists and senior White House strategists. In 2012, the Wall Street Journal reported that Rosen was consulting with DNC Chair Debbie Wasserman Schultz.

Rosen attended the March 2012 White House state dinner with her client John Kelly of Microsoft. Rosen supported the Stop Online Piracy Act. In April 2012, The Nation's journalist Lee Fang penned an article entitled “The Real Hilary Rosen Scandal” in which Rosen's firm is described as “an unregistered lobbying firm that has become one of the biggest names in the influence business by using its ties to President Obama and leaders in Congress.” An unnamed senior Democrat was quoted as saying: “It’s an open secret in the Dem consultant community that [Rosen's firm] has been signing up clients based on ‘perceived White House access’ tied to prior relationships and employment.”

Suze Orman

Of course, Rosen got Orman into the White House:

Suze Orman

I’m sure when President Obama entertained Rosen’s request to take a photo with con artist Suze Orman, he never imagined they would use the photo to insinuate that Orman is one of his financial advisors while setting up other countries to run her prepaid card scam, but that’s what they did.

Suze Orman


Listen up Australia, America’s darling of family finances is in the country with a very clear money message

Suze Orman went from being a broke 30-something waitress to an expert on household budgets with the ear of everyone from blue collar Americans to the President.

This is the same Hilary Rosen who received a large wave of criticism from republicans and democrats alike in 2012, after stating a presidential candidate’s wife had never worked a day in her life, even though she had brought up five sons while stricken with muscular dystrophy.

These “mean girls” with far too much power are not a compassionate lot—this Orman/Rosen cabal, who set up a gold pump and dump that plundered retirement accounts, and a prepaid debit card scam that stole from the poor middle class. Rosen’s fracas with Ann Romney was a rare time when journalists paid attention to what Rosen, the democratic party’s “Koch sister,” was doing, and what she had previously done.

DNC chairwoman Wasserman Schultz has poured money into Hilary Rosen's coffers for years, including a six-figure payment during just one cycle in 2012.

From the Daily Mail in 2012: (Link 2-17e)

Oh and then there was a person called Debbie Wasserman Schultz, who just happens to be chair of the Democratic National Committee. And as chance would have it was advised by, er, Hilary Rosen.

Rosen does not represent the Obama campaign, a Romney adviser Eric Fehrnstrom and former First Lady Barbara Bush have claimed. But she has visited the White House at least 35 times since Barack Obama became president and her firm SKDKnickerbocker (what a comically Washington name) has been paid $120,864 by the DNC this cycle alone.

Among the people she met in the White House have been President Obama, Michelle Obama, and inner circle aides David Axelrod (now chief campaign strategist) and Valerie Jarrett.

The DNC says that the contract with SKDKnickerbocker was exclusively for the services of Anita Dunn, former Obama communications chief in the White House (and who also advised David Cameron during the 2010 UK election). Well, we haven't seen the contract and the Rosen's work for Wasserman Schultz means this hardly passes the smell test.

I couldn’t help but wonder how much the DNC may have paid Rosen in 2016 to strategize against Bernie Sanders and coronate Hillary Clinton, with tactics that included announcing that Clinton won the race with big headlines the day before big primaries, including California. It appears the DNC’s strategists decided it would be worth losing some Clinton voters who might respond by staying home, because nothing would hurt the Bernie Sanders campaign more than a low voter turnout.

From Politico, “Democrats turn on Debbie Wasserman Schultz”:

Public relations firm SKDKnickerbocker also has a large contract with the DNC through which consultant Hilary Rosen works directly with Wasserman Schultz, though Rosen says she does so only as “a friend.”

This interesting tidbit shows Rosen’s buddy Wasserman-Schultz in convoluted, Suze Ormanesque entitlements and shenanigans:

In 2012, Wasserman Schultz attempted to get the DNC to pay for her clothing at the Democratic National Convention in Charlotte, multiple sources say, but was blocked by staff in the committee’s Capitol Hill headquarters and at President Barack Obama’s reelection campaign headquarters in Chicago.

She asked again around Obama’s inauguration in 2013, pushing so hard that Obama senior adviser — and one-time Wasserman Schultz booster — Valerie Jarrett had to call her directly to get her to stop. (Jarrett said she does not recall that conversation.) One more time, according to independent sources with direct knowledge of the conversations, she tried again, asking for the DNC to buy clothing for the 2013 White House Correspondents’ Dinner.

Wasserman Schultz denies that she ever tried to get the DNC to pick up her clothing tab. “I think that would be a totally inappropriate use of DNC funds,” she said in a statement. “I never asked someone to do that for me, I would hope that no one would seek that on my behalf, and I’m not aware that anyone did.”

Tracie Pough, Wasserman Schultz’s chief of staff at the DNC and her congressional office, was also involved in making inquiries about buying the clothing, according to sources. Pough denies making, directing or being aware of any inquiries.

But sources with knowledge of the discussions say Wasserman Schultz’s efforts couldn’t have been clearer. “She felt firmly that it should happen,” said a then-DNC staffer of the clothing request. “Even after it was explained that it couldn’t, she remained indignant.”

The New York Daily News offered other observations of the DNC and SKDK’s dirty strategies in, “Hillary Clinton’s dream debate is one nobody watches”: Link 2-17f

Busy Saturday night? Probably, what with the NCAA bowl games, the Jets’ must-win battle in Dallas and opening weekend for “Star Wars: The Force Awakens.” So you’ll skip the Democratic presidential debate — just as Hillary Clinton hoped.

Long, long ago, Clinton set out to ensure she wouldn’t be robbed of the nomination by some interloper, the way she lost to Barack Obama in 2008.

The party’s power-brokers played along, handing the Democratic National Committee to Rep. Debbie Wasserman Schultz, a co-chair of Clinton’s ’08 campaign. Fix, in.

And so the DNC did its best to see nobody would watch the debates, lest voters dare think for themselves. Tomorrow’s is the second in a row on a Saturday night — easily the worst evening for TV viewership.

Over on the Republican side, they’ve delivered the three largest audiences ever for prez-primary debates. And seven more Republican debates are ahead; the Democrats have just three after Saturday.

The saddest thing about this “shield Hillary” approach is that it robs Democrats of a fair primary fight. Yes, it’s hard to see how socialist dinosaur Bernie Sanders or lightweight prettyboy Martin O’Malley is going to beat her — but they could at least push her to stand up for the party’s principles. (Assuming it still has some.)

Worst of all is the message this sends about the front-runner: Namely, that the last thing her supporters want is for the American public to hear what she has to say.

Some political commentators have suggested that the “cabal” made sure other candidates, including Joe Biden, didn’t even run for president. I don’t know if that was the case, but Rosen has certainly shown a history of threatening and bullying those who don’t do exactly what she wants them to do.

In the next Twitter posts, the recipient of Rosen’s threat was New York City mayor Bill deBlasio, who hadn’t endorsed Rosen's client quickly enough for her and became a target of Rosen’s bullying, with Rosen threatening, “Bill deBlasio’s self aggrandizing on Meet the Press at Hillary Clinton’s expense won’t go unnoticed.” DeBlasio soon after got on board and saved himself from whatever dire fate Rosen was threatening.

Suze Orman

At this link, Rosen threatens a congressmen who was not going to vote the way she wanted him to, saying, “You have lost your credibility before you even cast a vote. I think your career is over”: Link 2-18  Isn’t this a little too much power for someone who has demonstrated low integrity? The congressman changed his vote to suit Rosen’s wishes.

Rosen even threatened Caitlyn Jenner in the “Orman/Rosen cabal’s” high-school “mean girls” style, for not bowing down to her client! What a bully, with way too much power in our country, the world, and the democratic party.

Suze Orman

Once Rosen and SKDK began representing Suze Orman, their job was to protect her from justice for her scams, to help her create big headlines that would increase her public influence, to sell that influence to corporations, and to get Orman deals with and effusive praise by government agencies and lawmakers from the head of the FDIC to Senator Elizabeth Warren, to the Secretary of the Army.

Rosen’s strategies of making the government complicit in the Suze Orman juggernaut has thus far kept Orman free from proper investigation and justice for her fraudulent crimes.

In 2008, Orman’s political lobbyist PR firm got her booked as the face of the FDIC on billboards and in commercials—talk about a serious conflict of interest to use this scammer as a representation of trust, and to use the government to give false faith in a con artist.

Suze Orman

A year after Rosen got Orman this gig as the face of the FDIC is when Suze Orman was first named as one of Time magazine’s one hundred most influential people in the world, along with another receiver of Rosen’s political lobbyist and media broker clout, Elizabeth Warren, who at the time was still a law professor. Rosen sure knows how to work the system to trade her real commodities: public influence, political power, and corporate money. One commenter on Bloomberg shared this:

Suze Orman

Suze Orman

In 2016, the Department of Labor finally made a big conflict of interest ruling on retirement investment advice, insisting that financial advisors must give advice that is in the best interest of their clients.

Suze Orman

I was so happy to hear this ruling was coming. Finally, a government agency was going to put in place a ruling that would keep predators like Suze Orman from defrauding people and giving advice that would harm her clients, while filling her pockets.

Suze Orman


Imagine my surprise to see that Secretary of Labor Tom Perez literally added to that major legal government document a paragraph that specifically, by name, excused Suze Orman from being bound by any of their rules!

According to Perez, Orman’s business was not financial advice, but part of the “entertainment industry,” and is therefore exempt from any rules and regulations. This, while Orman was still selling her trust and will kits and giving all kinds of good, bad, and corrupted financial advice to millions, far beyond just speaking on a television show as part of the entertainment industry or even meeting one-on-one with clients. If the purpose of the ruling was to protect the public, they really missed the ball.

The paragraph that was actually inserted into the United States law specifically declared that Suze Orman (with Jim Cramer and Dave Ramsey tossed in to not make her exemption stand out as much) was not a financial advisor after all. One can imagine it may have taken some high-level work from Orman’s political lobbyist strategist to wrangle this one. This, from a legal decree of the United States Department of Labor: (Link 2-19)

Commenters specifically raised the issue of whether on-air personalities like Dave Ramsey, Jim Cramer, or Suze Orman would be treated as fiduciary investment advisers based on their broadcast communications. The concern is unfounded. With respect to media personalities, the rule is focused on ensuring that paid investment professionals make recommendations that are in the best interest of retirement investors, not on regulating journalism or the entertainment industry.”

Someone needs to tell those millions who have lost their money from following  "trusted" financial “expert,” “guru,” “wizard” Suze Orman’s widely-touted, tainted, corporate sponsored advice that they must have missed the disclaimers that said, “For Entertainment Purposes Only.”

Orman praised the Secretary of Labor, thrilled that they left her out of their ethics rules, and Labor Secretary Tom Perez gave con artist Orman, who had already plundered the poor and middle class with many, some seriously undeserved props. Check out Orman’s chutzpah and the Labor Secretary’s complicity:

Suze Orman

Suze Orman

In June 2016, Perez was (repaid?) with the honor of being named fourth on a list of possible vice presidential running mates for Hilary Rosen’s and her friend Wasserman-Schultz’s client, Hillary Clinton: (Link 2-19a)

Suze Orman

No worries about being unknown, Thomas Perez, Hilary Rosen and SKDK specialize in getting people to hear of you and increasing your public and political influence. Just ask Senator Warren and others who have improperly supported Suze Orman, while their influence ratings were seriously pumped up by Hilary Rosen and the “Orman Cabal.”

Intriguingly, as you'll see in the link above, the Washington Post, one of Hilary Rosen's major shill "fake news" outlets, simply removed Perez's spot from the countdown in their article after its purpose was served.

This story about you being one of President Clinton’s vice president picks looks like perhaps a first step in repaying you for excluding Suze Orman from the Department of Labor’s ruling, so she can scam on unencumbered by pesky rules and regulations.

I certainly agree with Credit Union expert Ondine Irving:

Suze Orman

An article from the Financial Planning Association of Minnesota explains why Suze Orman absolutely should not have been exempted from the DOL ruling. It must be terribly upsetting to be teaching financial professionals strict codes of ethics, such as integrity, objectivity, competence, fairness, confidentiality, and professionalism, and to have business from those trained, educated, and certified professionals be diverted to an uneducated, unprofessional, incompetent, unobjective, non-diligent, and unfair con artist like Suze Orman. (Link 2-19b)

For years now, I – like many others - have listened to the likes of Suze Orman, Dave Ramsey, Jim Cramer, etc. And like many of you I suspect, I have gasped at some of the advice I’ve heard dispensed thinking, “They can’t say that! They don’t know anything about the client!”. So when the Fiduciary Rule was in its infancy and there was discussion of restrictions on radio and TV personalities, I thought – good, about time. Not so fast…

The DOL has concluded that Suze (Jim, Dave, etc.) is not a fiduciary, hence not held to fiduciary standards. However, in closing my thought is - If you don’t want to be a fiduciary and you don’t want to be responsible for your investment advice, don’t give investment advice…

Under the Regulation, you are providing investment advice if you: provide to an IRA owner a recommendation regarding: (among other things) the management of securities or other investment property, including:- investment policies or strategies;- portfolio composition;

How many times have I heard (Orman) discuss portfolio strategy and allocation…? "A communication that, based on its content, context, and presentation would reasonably be viewed as a suggestion that the advice recipient engage in or refrain from taking a particular course of action." Or one that, “appears that a recommendation is one that would reasonably be an encouragement to act.”

During the same time that the United States Department of Labor specifically declared Suze Orman to be free from any regulations, since she’s not really a financial advisor, Orman callously used the death of musician Prince to drum up more business for her financial advice kits.

Suze Orman

Based on the low level grammar and punctuation in that tasteless post, I would guess Orman wrote it herself. One financial journalist re-posted Orman’s “Prince’s death” sales pitch and pointed out that Orman’s will and trust kit goes even beyond violating protocol or financial ethics, and is, in fact, an example of practicing law without a license.

Suze Orman

Not only does Suze Orman not have a law license; she doesn’t even have a single current accreditation as a financial advisor. But does most of the public know that? Nope. They’ve been told again and again by influential journalists that Suze Orman is a financial guru, expert, and wizard, instead of the truth that she’s an expert wizard scammer, with a few bits of often ghostwritten general finance information on top.

When Orman’s prepaid debit card finally showed her true colors to finance journalists top to bottom, PR protector Hilary Rosen went into high gear. Rosen is also a gay rights activist whose ex-partner was the president of the Human Rights Campaign, an organization pushing for LGBT rights. She has been known to threaten the careers of those who don’t vote or act according to her wishes.

Rosen used that connection to create another publicity strategy that would use the Supreme Court’s expected overturning of the Defense of Marriage Act to deflect attention from Orman being caught trying to defraud the public, and rebrand Suze as, not so much a financial advisor, but a gay rights activist. I could see their set-ups enough to guess the ending.

Here is Hilary Rosen's tweet, giving Orman credit immediately after the Supreme Court overturned DOMA, just as I expected she would:

Suze Orman

Two days after the Supreme Court struck down DOMA, a pre-conducted “gay activist Suze Orman” interview appeared on Huffington Post, titled, “Suze Orman Talks Gay Pride, Giving Advice to Gay Teens, and Her Love for Ellen.”

Do you remember your first Pride event?

Obviously in San Francisco, back in the early ‘70s, the dykes on bikes and thinking, Wow! This is the greatest thing I’ve ever been to, and looking forward to that June 25th date or whatever it was every year and just loving it.

Clearly the idea of Orman’s PR team was to connect Orman with a beloved gay woman such as Ellen DeGeneres, although I've heard that Ellen is not much of a Suze Orman fan, after having her on the Ellen Show once when Orman was rude and condescending to DeGeneres’s audience.

After the first edition of my film, “How Suze Orman SCAMMED the World” started raking up views and supportive articles in financial journals, some of Orman’s previous enablers seemed to fall away: CNBC removed Orman from their line-up, QVC sent her on her way, and her column disappeared from O Magazine.

Nevertheless the Hilary Rosen campaign to push Orman into greater public influence continued, including bringing her to big political events, such as the 2016 White House Correspondent’s dinner, of course seated at the CNN table.

Suze Orman

Suze Orman

A year earlier, CNN had hosted Orman’s blasting of another Rosen/SKDK headline that could have had several possible intended purposes for their political and media manipulations.

John King came on to CNN’s morning show with the breaking news that “Suze Orman wants Elizabeth Warren as President, Not Hillary Clinton!” Note that two years before that, King had hosted a disturbing segment about Orman’s “Approved” card scam with the blatantly false headline: “Prepaid debit card to help credit score.” Now, he was back to serve up the gang’s latest headline.

Suze Orman

If we were to play, “guess the scam,” this new headline that “financial guru” Suze Orman didn’t want Hillary Clinton to be president was perhaps meant to increase Senator Warren’s influence, right around the same time Warren’s book, A Fighting Chance, was coming out, perhaps being publicized by Rosen and SKDK. At the same time, Rosen was one of the main people behind the “Run Warren Run” movement that certainly pumped up Warren’s standing and influence at the same time her CFPB should have been prosecuting Orman for prepaid card fraud.

Another likely possibility is that Rosen was building complicit Senator Warren up to play the role of opponent in Hillary Clinton's presidential primary, with the end goal of having Warren as Clinton's vice president and moving on up from there. Bernie Sanders got in the way of that possible scenario.

Suze Orman

Or perhaps this headline was meant to encourage Hillary Clinton to give Rosen some benefit, such as feeling she would need to hire Rosen and SKDK as strategists for her campaign.Watch the CNN clip where Orman doesn’t give a single reason why she supports Senator Warren, beyond "liking her": Link 2-20

As you’ll see in the linked clip, Chris Cuomo had too much integrity and intelligence to play along, and said, “Then we’ll have better people than Suze Orman to use as our basis for political discussion.”

John King replied, “Ouch!”

Cuomo continued, “Come on, since when is she a kingmaker?

Suze Orman? She’s going to tell us who the candidate is?”

John King: “I’m taking a pass on that one.”

Finally, Chris Cuomo said it as it is, “Come on. You don’t want to take on the Orman cabal, huh? Good for you John, safe move, safe move.”

Go Chris Cuomo!

In the next clip from our film, you’ll see how Orman and Warren really really “like each other,” in a very strange opening to their appearance together on Politico’s stage to discuss the topic of student debt, while Orman was being paid big bucks by the most predatory for profit school out there: Link 2-21.

Unfortunately, many who know more about Orman’s scams and shams signed her ironclad confidentiality agreements.

Perhaps one day a legal investigation of Orman’s scams will open the door for many Orman associates to finally add their pieces of the puzzle and help stop the damage. Maybe government agencies could start by interviewing these two:

Suze Orman

Proper legal justice would open the door for many bound by Orman’s agreements to share information from their associations with the scammer. Isn’t it about time to clean this up?



Go to Chapter Three:

"Trumping Up Her Bank Account with a Gold “Pump and Dump” Scheme"




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