Thursday, October 27, 2011

A Very Simple Petition

http://wh.gov/ToU

Take two minutes to read and if you agree please sign and then pass it on. We need 25,000 signatures and the President will get a look at it and hopefully the people will have their voice heard.

Wednesday, October 26, 2011

Re-Post by Gene Vallee



Warren Buffett, "I could end the deficit in 5 minutes," he told CNBC. "You just pass a law that says that anytime there is a deficit of more than 3% of GDP, all
sitting members of Congress are ineligible for re-election. The 26th
amendment (granting the right to vote for 18 year-olds) took only 3 months
& 8 days to be ratified! Why? Simple! The people demanded it. That was in
1971...before computers, e-mail, cell phones, etc. Of the 27 amendments to
the Constitution, seven (7) took 1 year or less to become the law of the
land...all because of public pressure.

Warren Buffet is asking each addressee to forward this email to a minimum of
twenty people on their address list; in turn ask each of those to do
likewise.
In three days, most people in The United States of America will have the
message. This is one idea that really should be passed around.

*Congressional Reform Act of 2011*

1. No Tenure / No Pension. A Congressman collects a salary while in office
and receives no pay when they are out of office.

2. Congress (past, present & future) participates in Social Security. All
funds in the Congressional retirement fund move to the Social Security
system immediately. All future funds flow into the Social Security system,
and Congress participates with the American people. It may not be used for
any other purpose.

3. Congress can purchase their own retirement plan, just as all Americans
do.

4. Congress will no longer vote themselves a pay raise. Congressional pay
will rise by the lower of CPI or 3%.

5. Congress loses their current health care system and participates in the
same health care system as the American people.

6. Congress must equally abide by all laws they impose on the American
people.

7. All contracts with past and present Congressmen are void effective 1/1/12.
The American people did not make this contract with Congressmen. Congressmen
made all these contracts for themselves. Serving in Congress is an honor,
not a career. The Founding Fathers envisioned citizen legislators, so ours
should serve their term's), then go home and back to work.

If each person contacts a minimum of twenty people then it will only take
three days for most people (in the U.S.) to receive the message. Maybe it is
time.

THIS IS HOW YOU FIX CONGRESS!!!!! If you agree with the above, pass it on.

Republican Candidates have all the answer, or do they?


With the upcoming 2012 Presidential campaign in full swing, at least on the Republican side, the People will more than likely see less and less accomplished in Washington. But make no mistake that we the people are not forgotten in this political process that clouds the mind with whom shall we vote for. The answers will be clear as mud as time goes on and the nearer we get to deciding who will lead us for the next four years.


However, one thing is clear, the Republican candidates are so used to bashing the Democrats ideas that they can’t decide on a viable plan in which to get the nation back on it’s feet again. Take the current candidates position on the tax  code.


Texas Governor Rick Perry’s plan would give taxpayers and corporate America a choice of paying a flat 20% or their current tax rate. Herman Cain has his 9-9-9 plan which would make a 9% federal sales tax, 9% personal income tax and a 9% corporate tax. Former House speaker Newt Gingrich wants a flat 15% income tax, while former Massachusetts’s governor Mitt Romney has a 59-point economic plan. And former Utah governor Jon Huntsman would set only three tax rates and eliminate all deductions, which in my opinion would stifle economic growth by causing people to hang onto their money rather than give money to charity, purchase a house or even contribute to political campaigns. Talk about a “shoot yourself in the foot approach“.


Perry’s plan is not as well thought out in my opinion as many people in this country would end up not paying any income tax at all. Take a family of four that are buying their home making $60,000 a year combined. The flat rate would be would be $12, 000. Take away four $12,500 tax deductions per person, they now have effectively reduced their income by $50,000 leaving a 20% tax on $10,000. But if you include the deduction for mortgage interest, you are bound to zero out any remaining tax owed and that doesn’t account for deductions for charity, or state and local taxes.


With all these concepts on how to tax the people and corporations of this country, not answering the question of how to put 9.2% of the country on unemployment back to work, deal with the healthcare issue, repairing our infrastructure and funding special needs like our education system, military and government to name a few, how can they be serious about running our country.


It’s easy to say President Obama has failed this country and driven it into a larger debt. Failed healthcare reform, infrastructure repair, balance the budget, and so on. It is easy to cast blame on the Democrats while the Republicans and Tea Party members say they have all the answers if only the opposing party would just listen. But it is still the constituents that have and will continue to suffer long after 2012 has come and gone. Everything put before Congress has been shot down by opposing chambers and at least we have the simple task of deciding who we want to guide us for the next four years. It seems clear as mud to me.

Monday, October 24, 2011

Cuts in Medicaid hurt those that need it most

With the growing debt in this country, the lack of federal stimulus dollars and the political arguing, comes the reduction in state funded Medicaid for those that need it most. States like Hawaii are limiting hospital stays to as few as ten days in a calendar year. Basically that means that after ten days you're out on the street whether you are well enough or not, or you pay out of pocket. As it is now, to get Medicaid  assistance I would have to pay around 75% out of pocket from my monthly disability payment in order for Medicaid to kick in. 


Senator Sherrod Brown, (D) Ohio, announced a 3.6% cost of living adjustment, (cola), for those on Social Security. It has been a number of years since the last cola and while it's great to finally get one, it doesn't amount to much when it comes to assisting an already impoverished class of Americans. 


If I take my disability stipend and multiply it by the 3.6% increase it amounts to less than $61 per month. Barely enough to fill a gas tank once a month, or pay for one night out (if your single) and certainly less than one more day in the hospital. While Obama-Care is not perfect by any stretch of the imagination, it would at least assure an elderly person the opportunity to receive the necessary care needed for those afflictions that come with age.


Politicians, especially those in the Republican party, spend so much time defeating the proposals from the Democrats they fail to come up with a plan of their own that doesn't involve protecting the rich. When will the politicians realize the people of this country are tired of their posturing and gamesmanship?


I know I have said in the past we need to restructure the political system in this country, but it's time. It is time to stop protecting the rich, the lobbyists and start working for the people who elected them.

Monday, October 17, 2011

The Green Thing




In the line at the store, the cashier told an older woman that she should bring her own grocery bags because plastic bags weren't good for the environment. 
  
The woman apologized to him and explained, "We didn't have the 
green thing back in my day." 
  
The clerk responded, "That's our problem today. Your generation did not care enough to save our environment." 
  
He was right -- our generation didn't have the 
green thing in its day. 
  
Back then, we returned milk bottles, soda bottles and beer bottles to the store. The store sent them back to the plant to be washed and sterilized and refilled, so it could use the same bottles over and over. So they really were recycled. 
  
But we didn't have the 
green thing back in our day. 
  
We walked up stairs, because we didn't have an escalator in every store and office building. We walked to the grocery store and didn't climb into a 300-horsepower machine every time we had to go two blocks. 
  
But she was right. We didn't have the 
green thing in our day. 
  
Back then, we washed the baby's diapers because we didn't have the throw-away kind. We dried clothes on a line, not in an energy gobbling machine burning up 220 volts -- wind and solar power really did dry the clothes. Kids got hand-me-down clothes from their brothers or sisters, not always brand-new clothing. But that old lady is right; we didn't have the 
green thing back in our day. 
  
Back then, we had one TV, or radio, in the house -- not a TV in every room. And the TV had a small screen the size of a handkerchief (remember them?), not a screen the size of the state of Montana. 
  
In the kitchen, we blended and stirred by hand because we didn't have electric machines to do everything for us. 
  
When we packaged a fragile item to send in the mail, we used a wadded up old newspaper to cushion it, not Styrofoam or plastic bubble wrap. 
  
Back then, we didn't fire up an engine and burn gasoline just to cut the lawn. We used a push mower that ran on human power. We exercised by working so we didn't need to go to a health club to run on treadmills that operate on electricity. 
  
But she's right; we didn't have the 
green thing back then. 
  
We drank from a fountain when we were thirsty instead of using a cup or a plastic bottle every time we had a drink of water. 

We refilled writing pens with ink instead of buying a new pen, and we replaced the razor blades in a razor instead of throwing away the whole razor just because the blade got dull. 
  
But we didn't have the 
green thing back then. 
  
Back then, people took the streetcar or a bus and kids rode their bikes to school or walked instead of turning their moms into a 24-hour taxi service. We had one electrical outlet in a room, not an entire bank of sockets to power a dozen appliances. And we didn't need a computerized gadget to receive a signal beamed from satellites 2,000 miles out in space in order to find the nearest pizza joint. 
  
But isn't it sad the current generation laments how wasteful we old folks were just because we didn't have the
green thing back then? 

Monday, October 3, 2011

Time for a Financial Revolt

I believe it's time for a financial revolt to take place in this country. All the talk about financial stimulus and jump starting the economy is getting old and a bit redundant. The average american has been the biggest loser in this country for far too long and it's time to start taking back the nation and financial markets.


How many times do you see on television, hear on radio, or read in the newspapers about awesome low interest deals on cars, only to see, read or hear about special interest deals available to "well qualified buyers" and know you are not the people they're talking about? How is it car makers are posting profits if the average american doesn't qualify for their "special offers? Oh yeah, that's right, they get kick backs from banks by charging us higher interest and selling it to the banks as "damaged" credit customers, sometimes raking in 2% to as much as 5% back from the lenders.


The average person cannot qualify for home loans because they can't come up with the down payment and can't afford the house payment at the higher interest rates. The houses either sit empty owned by the banks or Realtor's snatch them up and rent them out for the house payment and a little extra for either profit or escrow accounts to "fix" or "repair" their investment. Again, little is done to assist those that would like to own a home that they can afford. It's little wonder that new housing starts are at an all time low, while properties are becoming apartment complexes and once nice neighborhoods, desolate grazing land.


While there isn't much we can doing about getting into homes at "current" interest rates, we can still do the following:


Go into a car dealership offering special interest rates and incentives, test drive the car you would like to have. Tell the salesperson all of the accessories you would like on the car, what color you want, the tires and wheels you want and take up most of their day. When it gets down to crunch the numbers time, tell them you want the special interest rate and payment you want, the number of months you want to pay or the lease term length, and let them run your credit. Even insist on a cup of coffee or soda while you wait, (most salespersons will be happy to oblige since they think they're going to make a big sale), and when they find out you aren't qualified for what you want and they come back to inform you, politely get up, shake their hand and say, "thank you" and walk out. I guarantee it will take at least two hours out of their day and the dealership will do everything they can to get you to buy, but just say thanks and leave.


If enough people do this, automotive makers will have to listen to their dealers and make incentives for everyone and stop the B.S. of "well qualified" buyer ads. I know from personal experience salespeople will get fed up and dealers will voice their concerns and frustrations to the factories. You can even walk on the sidewalk in front of a dealership and silently protest with signs that if you are not well qualified you will pay more for the car you want or have to settle for less. The sidewalk is a public place and the dealership cannot kick you off, especially if the protest is silent and peaceful.


This is an extreme I know, but what else is a person to do to get their voice heard? Certainly we can't count on Washington to help out, heck, they can't even agree on how to balance the budget or pass a budget for longer than seven weeks at a time, why trust them now? 


If the politicians won't tax those that can afford to pay and insist on raising taxes on the lower and middle class, maybe they can insist lower interest rates be available to all citizens of this great nation.