Showing posts with label economics. Show all posts
Showing posts with label economics. Show all posts

Saturday, April 18, 2009

Cut Out the Middle Man

Even in biblical times, they recognized the dangers of people making a living on derivatives and speculation. They were called "the moneychangers". In most Muslim countries it is illegal to loan money with an interest rate. Finally, in America many have been brainwashed to think people who handle money should make a lot of it.

Banks, insurance companies and the financial sector in general, are not real contributors to the GNP except possibly for their consulting and training services. The banks spend a ton of money advertising to appear to have a value greater than they deserve. Since all the successful banks do this, they simply pass on these costs to the consumer. Their marketing costs and profits are an inefficiency the world can no longer afford. Insurance companies were originally created to spread risk among members of a "group". Now they simply charge more to people who are at higher risk, defeating the purpose and they advertise, another inefficiency we pay for without any benefit.

Letting these industries operate as profit seeking ventures is like letting the accountant in your company keep all the profit and pay the CEO and others just enough to subsist. It is the tail wagging the do. Speculators are no longer dependable investors. Their money is daytraded and hedged to the point they destabilize markets and in some cases literally cause the fall of certain companies.

We are all now familiar with the recent practice of selling something twice, in the form of packaged derivative products. A bank sells a loan, derives interest, then additionally packages several loans, then sells stock in the performance of the collective package. The ultimate pyramid scheme. All of the money they make is money we could spend on improving the quality of life. All of these services are necessary to all citizens, therefore would be a natural fit for government administration.

Here are a few examples of how government can and does provide these services with near perfect efficiency. Medicare, whose administrative costs are 1%, outperforms its private counterparts by a full 29% as they don't have to advertise or pay out profits. Banks are allowed to issue loans guaranteed by the government, yet they charge healthy interest rates for these services. Direct lending to student and even small businesses cuts them out and saves unnecessary marketing costs and profits.

In many other countries, even if these sectors are private, they are highly regulated because they are considered a "trust", and entity entrusted with performing public service with guaranteed profits. It is truly amazing that Americans have justified private medical services and insurance to pay for it when they somehow consider the protection of property form fire or crime, a government responsibility. Everyone has health needs, some more than others, and none can be blamed for their health as if it is a choice. Why is it the public spreads the cost of police and fire departments among us all according to our income, while those services to protect your health are meant to be profitable?

Yes, doctors should make a good living, but once they have recovered their $100,000+ investment, why should they continue to become wealthy? Every company has an initial capitalization, but no other is guaranteed such returns. They are treating life and health as a commodity. If you can't pay their ransom, you die. This is why countries like Costa Rica, where there is no need for private medical insurance or doctors, can afford to provide quality health care even though the average income is $300 a month. A doctor lives well in Costa Rica. His education is paid for by the government and he is a public servant. A doctor of medicine and a doctor of philosophy are paid the same in government institutions. And they have no problem attracting enough people to the professions of medicine and education. We have something to learn from them.

Imagine how cheaply we could provide quality health, education and banking services, if the government simply acted as a conduit with no profit motive, only the goal of maximizing health, education and money management. All of these have become privatized and more are becoming so.

Even the military has been outsourced to contractors in Iraq for $100,000/year instead of $15-30,000/year for their government counterparts. The result, explosive war costs. Coca Cola and other beverage companies are in the process of privatizing water; yes, Coke is mostly water provided at a very low cost by the government, then sold back to people in bottles that will pollute forever. In Darfur and many other third world nations, companies like Coke take enough water out of the water table to dry up wells in the highlands. People have to migrate to the valleys and they are literally warring over water.

What is next? Let's reverse the trend and let the government manage those things that all of us must have to survive and thrive.

Thursday, March 05, 2009

The Nerve of the Rich!


The rich overpaid themselves for the entirety of history, stealing from the poor, and now they say there isn't any money because of the poor.

The rich raped me then complained that I am no longer a virgin.

The rich decided life, liberty and the pursuit of happiness didn't include the necessary ingredients for such; i.e. food, education, health.

The rich man who is not dying, is complaining that those dying are too expensive and it's their own damned fault

The rich determine their own compensation having no correlation to hard work or ideas, but only to the power of their check-writing pens.

The rich deprive me of an education then put me in prison for the result of my ignorance, taking no blame and bearing no responsibility.

The rich and its sworn agents decide what I am worth, rather than the majority deciding what they and their ideas are worth; we are extorted.

The Nerve! I think I now understand the French...

Thursday, November 20, 2008

Separating Myths From Logical Truth Regarding Evils Within World Financial System

Editors Note: The article below is a result of a submission from a reader. As this site is not a simple "sounding board" for ill-considered ideas or knee jerk conspiracy theories, I was forced to either ignore or address this otherwise compelling piece. Ms. Masterson is not an employee or agent of this publication. Any of the content in black and red, remains intact, unedited and the copyright along with its liability remains with the submitter. The response is in blue and remains the sole responsibility and content of Bryan E. Hall, Editor of Duly Consider.

Please read this as you would an essay that has been commented upon by the professor. It is unusual to publish something in this fashion, but in all fairness, it would be irresponsible to do so without parenthetical consideration.


After the ashes of this so-called unprecedented presidential election, do you know who you voted for into office? What do you know of his policies? Do you know who controls him? Money is what controls him and do you know who controls the money?

The Federal Reserve is what controls the money in this nation and it's not the government or we who run it, it is private bankers who through a federation of twelve banks controls the money that flows through this land and that they vote privately on the money that controls us, that affects us, without our being able to have a say in the matter. Beyond being unconstitutional (the constitution, due to the threat of the monarchy of England, vanished the possibility of there being a central banking system due to the catastrophes caused by the administrators who deliberately pushed wars to make money by funding both sides and destroying a land's economy all in the name of power and greed), it is a gross act of defiance and hubris hostility against the voice of the American people by showing how powerless we are against controlling the very things that runs us; our money.

See, back in the good ole' days, we were once on the gold standard. The treasury had the ability to make money, but it was backed by gold. Nelson Aldrich, the Federal Reserve Act architect, met on Jekyll Island with JP Morgan and the Rothschilds to draft what would be the finished product of the Federal Reserve Act. Due to the passage of the Fed reserve act during a sleepy day in Congress when half of congress was absent due to Christmas, the fed reserve act was passed under strongly banker-backed President Woodrow Wilson, who later regretted his decision to let it pass (for more on the history of the Federal Reserve, see <http://news.goldseek.com/GoldSeek/1095269452.php> And you can check out the official whitewashed history at <http://en.wikipedia.org/wiki/Federal_Reserve> for comparison).

This set the stage for corporate and banker interest to take control of our government at the expense of the people since their interest lied in their bottom line and not our best interest . This set the stage for a government that is, even now, still under the control of bankers. When JFK tried to reintroduce Treasury Notes into the economy under Executive Order 11110, allowing for Treasury to regain control over the life blood of our economy, he was assassinated by CIA operative E Edward Hunt to keep him from freeing the people by creating a truly free-based economy where we aren't tied to illegal system that puts us into debt (source: <http://www.rense.com/general76/jfkvs.htm>).

In the case of Obama, that's what speaks for him, the bankers who control the reserve since it is the reserve who, like a mother to a child, gives the child an allowance, which is in turn given to us. In the President's case, let's say the government needs 1 billion. Without even sending real, printed money, the Federal reserve sends a bunch of numbers through the computer to the government and that is the money (For a more accurate and simplified way on how the Fed Reserve works, go to copy/paste <http://dulyconsider.blogspot.com/2007/03/how-to-make-trillions-of-dollars.html>).

There is no physical money printed, shifted or transacted, but imaginary money that only exists in a machine, a computer. This money, as debt instrument, is used in turn to give to the people at a fixed rate or interest and since only a fixed amount has to stay in the government reserve, this is what determines how much money exists in the supply based on contracting or expanding, or, in other words, inflation. Plus, to add insult to injury, we are charged interest on this fake money, thereby ensuring a lifetime supply of ingenious slavery in a workforce. Also, since the Federal Reserve runs the Presidency, wars are started to get us out of debt and in peace time we are put into debt to justify going into words, therefore sealing us into a vicious cycle of wars.


Thus, we are literally controlled by nothing. We owe nothing in return since no money was really given. To make matters even worse, we are forced to owe through the monopoly money that we are given trillions upon trillions of debt since the money we have isn't even money, it's literally debt (if you don't believe me, look at your $1 dollar or $5 dollar paper bill, what does it say; Note means in elementary accounting that you owe a debt and not get paid back for it.) Out of a lot of the Federal Reserve sprung corporations designed to put us to work to pay off this debt since the government pays interest on this fake money and pass it along to us as tax. Corporations don't become big overnight. A lot of them got to where they are due to cooperation with the banker monopolists. Without their cooperation, Nike wouldn't be where it is since, and neither would Reebok, or IBM since without their cooperation, they wouldn't have gotten the loans to start the businesses. Even worse is the fact that mostly bankers, these crooks, assisted in Obama's campaign, such as Franklin Raines, who was fired as CEO of FNMA and Penny Pritzker, former CEO of Superor Bank of Chicago, which went belly up due to pushing sub prime mortgages (source: http://memes.org/alex-jones-infowars-home-failed-bankers-campaign-obama). Even though Obama is against some of those who lobbied for him, he still accepts their money (see <http://www.sourcewatch.org/index.php?title=Barack_Obama/Campaign_Financing>). Even more surprising are the donors who funded both campaigns simultaneously. Look at some of Obama's supporters, with Goldman Sach's being 2nd with Morgan Stanley not too far behind. (The list can be seen here at <http://www.opensecrets.org/pres08/contrib.php?cycle=2008&cid=N00009638>). Now, look at the donor list of McCain (It can be seen here at <http://www.opensecrets.org/pres08/contrib.php?cycle=2008&cid=n00006424>).

[Good info, but fails to demonstrate a relevant support for your thesis that Obama (more so than other politicians) actually falls under some control of the Fed and/or other insidious banking interests. Such a connection would be huge news but there is no evidence of this. He, like every other candidate, accepted money from bankers, employees of banks and PACs who may favor banking interests. The fact he got more than other candidates is only a testament to the fact he was highly favored to win the race; and to the victor (or likely victor) go the spoils. Sadly, all the candidates support the current corrupt banking system, except for Ron Paul and he is unviable in the political structure.]

Notice that they have the same bankers, Goldman Sachs and Morgan Stanley, giving to them. Do you see a correlation? Yes, I know I can. You can go ahead and think that they feel that they might see both candidates who represents their interest, but, who is the third candidate that they are trying to keep out? There was no real third party opposition that was a threat since they didn't receive equal media coverage, so why support two so-called separate idealogues?. Also why vote for two candidates with supposedly two different interests? Doesn't it make you think that no matter who wins, they are rooting for the same guy since they know that the same guy will pull the same result.

If you decide to look to the propaganda machines that are the news and other news entertainment outlets like Newsweek and the like you will be hard pressed to find accurate, unbiased information that can help the reader or viewer arrive to unbiased, informed opinions. For instance, Newsweek's News doesn't get printed until it passes through review by the Pentagon. However, the airwaves and screens are stuffed with fluff: mindless drones watching reality shows while sitting around lingering and drinking beer due to economic hard times is what the corporatocracy have in mind and want. The corporatocracy wants us to be consumed with this so that their product, our Presidential leaders, can lead us like the blind leading the blind down a path to oblivion much like the pied piper did with the little kids of Germany. They want us to think that this leader whom we didn't elect (the electoral college did). [Simply untrue as he was elected by a larger majority of the popular vote than anyone since Carter (and he followed Nixon)] will lead us into a great era of prosperity because she/he is black or some other diversionary tactic to keep the simple minded blind. However, the fact that these are the people who control him [Highly conspiratorial without any evidence] (remember, those with money have power) are the ones who control him [I am quite sure they would like to control him, but the proof of that is to be seen] and with their interests being selfish, do you think that these corps that don't mind overworking children to death in sweat shop factories are going to care about us? Do you think that these companies are going to care if Barack turns around and says that he wants to bring companies back from overseas and return them to America? No! You never bite the hand that feeds you and look at what happened to John F. Kennedy when he tried; he was owned (assassinated)!

Aside from understanding how the economy is used by the bankers to control the President and decisions in this country, another important, actually very imperative key to understanding what really runs this nation is the advisor to the president. Zbignew Brzezinski is going to be [one of] Obama's advisors. Do you know who Zbignew Brzezinski is aside from his name? Brzezinski was instrumental in the creation and support of the mujahideen, which later became Al Qaeda, in an effort to use them against the Soviet Union by creating strife with the then Soviet supporting Afghanistan and training what was to become Al Qaeda using CIA operatives
[Failed interventionist policies go back well before Brzezinski as the British, even before WWII, IE-“Lawrence of Arabia”, tried to control them as they didthe Indians, and they created a hatred that has backfired, but it is true, the US created and supported the “Mujahideen” and the Shah of Iran, and Saddam Hussein and even Khadafi. The
US has made a lot of money selling them weapons that they later have used against us, but who can blame them?] (Source: <http://en.wikipedia.org/wiki/Zbigniew_Brzezinski>)This man intends on using Obama to initiate his decades old war against Russia. Do you know the name Rahm Emmanuel? He is the son of a terrorist [“Terrorist” is a label that can easily be applied to anyone who uses the threat of violence to elicit fear and control, certainly to include all military power (except our terrorists are funded directly by and openly encouraged by our government)] who quelled opposition to Israel by slaughtering Palestinians and he was also picked to be Obama's right hand man (Source: <http://www.belfasttelegraph.co.uk/news/world-news/us-election/rahm-emanuels-father-an-israeli-terrorist-14043727.html>). I am quite sure that will lead to more war and involvement with Israel. As a matter of fact, a top pentagon advisor warned of an international crisis after Obama takes lead 260 days into his presidency, with Biden even emphasizing the ruthlessness of this soon to be international crisis (Source: <http://thecaucus.blogs.nytimes.com/2008/10/20/bidens-crisis-remarks-reverberate/>) (Source: <http://elections.foxnews.com/2008/10/21/mccain-uses-bidens-crisis-prediction-question-obama/>) . Also, other than what Obama says, let's find out what he has done. He has:

Voted for funding for Iraq (Source: <http://www.boston.com/news/nation/articles/2007/03/22/obama_defends_votes_in_favor_of_iraq_funding/>)

Voted for Wall Street $700 million Bailout (both him and McCain have the same donors) (Source: ) [Obviously, a majority voted for the bailout, most of which did so with disdain, much as parents paying kidnappers reluctantly.]

Supported the war in Iraq by approving bills allowing more money to fund the war (Source: <http://www.huffingtonpost.com/2008/09/29/obama-to-vote-on-bailout_n_130242.html>) (Source: <http://www.factcheck.org/elections-2008/the_truth_on_troop_support.html>)

He supports an invasion of Pakistan [This is what we call “spin”; He said he would support a strike within Pakistan if there was actionable intelligence that led us to Osama Bin Laden] (Source: <http://abcnews.go.com/Politics/Story?id=3434573&page=1>)

He is for the Patriot Act as well as the FISA Act, which allows for greater spying powers handed to the NSA over the American population. (Source: <http://blog.washingtonpost.com/the-trail/2008/06/20/obama_supports_fisa_legislatio.html>) [It is yet to be seen as to whether he will favor the extension of the Patriot Act, and most indications are that he will not. FISA is a perfectly suitable law, if enforced. Bush simply ignored it. Perhaps you should read it if you haven’t.]

For the invasion of Afghanistan through funding (Source: <http://www.votesmart.org/issue_keyvote_detail.php?cs_id=20208&can_id=9490>)

His policy consist of getting us to borrow more money in order to spend more money by borrowing from foreign banks (which goes against what the constitution stands for), which will add to the cataclysmic cycle that will lead us into a bonded and indebted populace, which will lead to a much worse recession, otherwise known as a depression (Source: <http://www.informationclearinghouse.info/article20915.htm>).


We are living in a hypocrisy and if we were to have done our homework rather than letting the mass corporate media feed us it's baloney, we would have been aware of this before we voted for him in office. Now, looking back at the Bush administration, the feeling is predominant that his tenure in office will look like the golden times rather than the real gloom and doom that's ahead of us now all because we choose to be asleep rather than awake.


In Africa, the leaders of a village, even all the way up to prime minister, bloodline is the determining force of everything. In order to be king or queen, PM, unless you are of a certain regal heritage, you can't ascend the throne or head of state position. Returning back to America, did you know that Obama is related to Bush and that his Kenyan father went to Harvard, thereby making him a legacy? America is also ruled by a bloodline. Obama is related to the Bush's, Colin Powell, Dick Cheney. [This is where the tinfoil hat comes out. Relax the paranoia. We have enough legitimate fears without the silly “American Royalty” theories.] They are all different colors and from different places but they all share a common lineage and through masking the media the Corporatocracy [The MNCs that rule this world couldn’t care less about bloodlines as long as leaders keep their financial pipelines flowing] has successfully ensured that this bloodline is here to stay, not to be usurped by we the people anytime soon by feeding us mass, rampant junk like Britney's panties and who's the next winner of American Idol [True, but more likely a result of Idiocracy than Corporatocracy; this really undermines your credibility]


If you don't believe the corporatocracy and their measures to keep the elite at the top, look at this profile of Federal Reserve Bank of New York's President Tim Geithner and Barack Obama, the played out story of the young man from nothing is pretty astounding considering that they had very similar lives and are now President respectively in their industries (Source: http://www.abcnews.go.com/Business/Economy/story?id=6196682&page=1). True freedom lies with knowledge; and though these mass channels of information or disinformation is caused by the powers that be that have an inherent interest in keeping us from being critical thinkers [absolutely true, and no doubt, a conscious intention of the rich], or just from thinking.


When was the last time you did your independent research on the President? Your elected leaders? Your state senators? When was the last time you knew how government worked other than what CNN told you? When was the last time you knew how the economy worked other than what MSNBC”s money market told you? This election has nothing to do with putting a black man into office? His color skin will not help us? This is about a war, a war on you, a war on all of us, a war designed to maintain the status quo at the expense of us and our minds is the battlefield. We live in a culture saturated by people who no longer want to think for themselves. We have become a nation of lazy thinkers where the boob tube speaks for us and our will is suppressed for the greater good against us. To all those out there who think that being passive is the best way to go: seeking solace in ignorance assures your part in the play, meaning you will still be affected by it no matter what.


The corporatocracy knows that we willfully consent to our slavery by ignorance. The most important thing in the world is to know the leaders you choose since if we don't know who we choose we all know what happens to sheep; ultimately you get sent to the slaughter. Complicity in slavery comes from submission in not knowing. Please, if you know in your heart this article to be true, please pass it around to as many people as you can just to get the truth out there (make sure though to give credit as I copyrighted it.) Thank you and love yourself by freeing yourself.

[Interesting reading, but perhaps, if published as is, would be irresponsible journalism. Just because something “could be true” is no basis for making such major illogical leaps. We need more than “possibility”, we need a logical, relevant and calculable “probability” in order to make fair editorial content. Anything short of this is simply muckraking and fear mongering. We have much proven evil to fear and much of this article is factual, but the conclusions are unfair and are tantamount to baseless character assassination. Stick to the facts, and prove your conspiracies and the mainstream media will gladly publish you. Hell, you will win a Pulitzer.

I am always impressed by fervor, even when misdirected or ill-supported. The Fed and the self perpetuating monetary system, are without a doubt, aimed at enslaving us by keeping us in “fake debt”, and as long as the rules are made from the top down rather than from the bottom up; as long as pay is determined solely by the employers without an equal say by the workers themselves (while they pretend this is “the natural law of supply and demand”), we are going to be locked into a worldwide domination of workers by the truly lazy and evil overlords who will do ANYTHING to stay in control.

Logic would dictate that we apply the same rules to the macro-economy as to the micro-economy, which is to say, that bankruptcy is intended to relieve the unmanageable burden of mounting debt. Our government is currently embarking on a path to greater debt, of which we cannot write off in a bankruptcy. Our unborn are expected to be born into debt slavery. This is the real horror. And only if there is a simultaneous readjustment of the books, in the form of worldwide debt forgiveness, we are destined to live in a constant state of fear of financial disaster. The truth is, that money and debt are not “real”, only material possessions are (as in “real estate”) Everything else, is an accounting game, just as clearly described in many parts of the Holy Bible. The moneychangers are truly evil and we must, as did Jesus, remove them from our temple.

It is not necessary, however to personally vilify Obama or any other pawns in this struggle. Keep your eye on the real enemies.]

Content in black and red: Copyright by Raven Masterson (Williams) 2008.


Thursday, January 03, 2008

Globalization: Inevitable? Yes... Good Policy, No!

It seems that Americans have fallen for one of the oldest political lies of all, that inevitability means we should join the pack. Yes, it is true the world is globalizing, and we stand to benefit if it is properly managed, but to suggest it is a positive policy goal to pursue it and to expedite it just because it is inevitable, is a fallacy.

By this same reasoning, if we truly saw that illegal immigration would inevitably result in irreversible job loss and wage reduction; therefore we should speed up the process? Absurd!

The same goes for globalization, if indeed, we can even separate them. To those who support this rush, globalization seems only a fair ultimate end in a world full of too many borders. To those in the middle class, who actually have something and want to protect and keep it, globalization presents a huge threat. Sure, the rich benefit, as they have no national vested interest; they are already diversified and multinationalized. What is good for these rich, is not good for the average American, or even the world as a whole. The poor are still as poor as the rich want them to be. There is no such thing as voluntary "trickle-down".

The fervor of globalization has several ultimate ends, all of which depend on one failed assumption, that increased worldwide consumerism, is good for everyone. Well, anyone can look around America and see that this is leading to our demise as the average household owes more than $10,000 in consumer debt and each of us is responsible for our fair share of a huge and growing federal debt under which our grandchildren must suffer.

American consumerism alone has pushed the Earth's natural resources to its limits and most agree it seems to have many irreversible effects on the environment. Global warming and human impact on it, is a scientific fact.

We already see that America's failure to seek alternative energies, has put us at odds with all developing nations as we compete for oil. Great for those who own the oil, terrible for anyone at the pumps. America's economy is delicately perched on its dependence on oil to feed and lubricate the workflow. It is the key to our productive output. Apparently, by design, we have become slaves to oil and politicians have done nothing about it, but to worsen it.

What happens as we globalize? China becomes wasteful consumers, just like America, Japan, and Europe? Some say, it's only fair they have the right to have what we have. I say the opposite. We should reduce our waste, not encourage theirs.

As oil hovers at $100/barrel, the average American just throws up their hands, giving up in desperation and fear, believing the lie that we can do nothing about it. But we can and everybody knows it. The question is, will we? My prediction is no; my hope is yes!

The first step is to recognize the lies the rich and powerful are telling us. The second is for so called "bleeding hearts" to stop killing us by hastening the expansion of consumerism in the name of "fairness". Finally, it is time for Americans to regain the thing that built this country, revolution. We must stop our fear of government and reinstill the fear of the people in the our politicians. They honestly don't fear losing their elections once they become incumbents. They have built a police state to guarantee they cannot be physically removed. They have imprisoned anyone who had the creativity necessary to oppose government, either by labeling them as "drug addicts" or by criminalizing other private activities. It is still illegal in many states to have sex in any position but "missionary." Wow!

On one hand, the rich tell us to be greedy, to consume more. That's best for the economy, right? On the other hand, some misguided "bleeding hearts" tell us we have too much, and we should volunteer to reduce our quality of living to allow and "equalization of wealth". Sounds good, but it is a lie. The only people bearing the burden of this equalization, are the poor and middle class. America's rich are getting richer, by a landslide while we have lost ground to the tune of 40% in 10-years, all things considered.

What to do?

  • Vote for someone who believes America should NOT be policemen and owners of the newly globalized world.
  • Socially revolt. Stop buying anything you don't need to actually survive and put up a tent on the capitol lawn until lawmakers take you seriously.
  • Demand your rights to control your own minds and bodies. Decriminalize drug use, thus freeing our minds. Protect a woman's right to control her reproduction.
  • Demand that those who come to America to find their dream, do it LEGALLY and in a controllable fashion, lest chaos ensues.
  • Finally, refuse to kill and to be killed for the protection and pursuit of money, land and resources. Protect others from their own ignorance by bringing them home from wars. They think they are patriots, but they are killing themselves for unjust policies of global expansionism.
America can lead this change by remembering we are a nation of leaders and a nation of laws. Rather than fiddle while Rome burns, our leaders can remember who they represent, and it's NOT the world; it is their own nation.

Duly Consider this!

Thursday, August 23, 2007

"Half of America's Revenues Go to Richest 0.25 Percent"

"[Earners of over $1 million/year,] who constitute less than a quarter of 1 percent of all taxpayers, reaped almost 47 percent of the total income gains in 2005."

Duly Consider: Does Bill Gates work 100,000 times harder than you? Is he 100,000 times smarter? Does he work 4-million hours per week?

read more | digg story

Disabled Veteran left without Insurance for 4 Years due to Case Backlog

A disabled veteran applied for Social Security Disability Insurance in 2003, and was denied. Because of the massive backlog at the Buffalo hearing office, he did not get his first appeals hearing until July 2006. That whole time, he was suffering from post-traumatic stress disorder, a traumatic brain injury, degenerative disc disease ...

Duly Consider: Those who decided the government should be run like a business should be proud. They now collect taxes and provide fewer services. The one's they do provide are done so grudgingly, and they still put us in higher cumulative debt than any administration in history. Now, that's business!

read more | digg story

Sunday, July 01, 2007

USA Changes Its Name to LCD (Lowest Common Demoninator)

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America is soon to adopt a new acronym to replace USA. The new, easily remembered replacement will be LCD. The "dumbing down of America" is both the cause and the effect of our eventual destruction if we let it.

Sadly, though the citizens did not cause its own dumbing down; the corporatists, in an attempt to separate the intelligencia from the support of the people, has conditioned us to accept the best of the worst, a "lowest common denominator (LCD)" approach, like everything else in modern society. It is the source of the causes of our electing actors and idiots as Presidents, because they are as "ordinary as us", as opposed to celebrating brilliance. All of this is a consciousness that stupid people are more easily led, like rats into the sea following the pied piper.

If a basketball player has skills, we celebrate him; he scores more points; evidence of his superiority. Many never consider that the largest part of this is the superiority of his mind. They wrongly attribute this to his physical prowess, but somehow the tallest, most muscular player is not the highest scorer.

It appears many Americans would rather have a President with whom they could drink a beer and from whom they could hear a good joke, than to have one who knows how to improve their lives. It is not Mr. Bush's fault he is by far the least intelligent President to be elected in recent history. He is a product of the citizens and the devious puppet-masters who surround him. I am sure Mr. Bush is smarter than the average grocery store manager, but couldn't we have had higher expectations of the the requirements to become the "decider" for the world's only military superpower?

Regarding politics and even business, somehow it never occurs to many Americans that intelligence and logical persuasion are characteristics of an executive or lawyer that any of us would want to hire if we fully expect to win our cases, make more money and/or stay out of jail, yet somehow that has a taint when considering our number one legal and business minds in America. We have watched so many movies where emotionality won out over pure logical intelligence and truth, that we think demagoguery is the modern dogma of success. It never occurs to them, companies and the country should be run by the most intelligent, and that intelligence should feed our effective persuasion rather than weaponry and a loud mouth.

Then we wonder why the rest of the world laughs at us in the world frontier of policy and action. We have recently fallen from number one to number seven in a particularly important category:

U.S. falls from first to seventh place in global information technology ranking (Article)
This is a factor that will quickly translate into a poor economy for the USA/LCD. Somehow we have let anti-intellectual businesspersons convince us that there is a paramount value that something being profit driven/capitalistic is automatically going to make it superior. Now, by calling them "anti-intellectual" I am not saying they, themselves, are "stupid"; they just believe that keeping us that way will make them more money.

This may very well be true, in the short run, for those who became successful through inheritance instead of better ideas and hard work. The less intelligent the US is, the more we will celebrate the lazy, stupid sons of their fathers rise to the top as if they are royalty.

For example, it never occurs to many people that insurance companies are driven by profit, therefore the least likely to make decisions based on giving the best product for the lowest price. Their job is to spend the least by any means and to provide the very least. This is why America has the worst yet most expensive medical care among industrial nations. Some people will defend to the death, the right of insurance and pharmaceutical companies to make more money while providing less and less services to consumers.

After all, "profit is the measure of success" right? If I am CEO and I make a higher profit this year, you might assume I am the better businessman than the CEO who has a longterm plan for maximized profits. We have come to believe that making a million dollars overnight is preferable to making a billion over a period of ten years. Some couldn't tell you that 1- million is a thousand times lower than 1-billion. I can easily increase the profit of any company by selling off its most valuable assets all in one year while laying off its most experienced and highly paid middle managers. But this "instant results mentality" is killing America.

This is exactly how this super-corporation called America is being run today. We are allowing our executives to run up debt so they can pay themselves more and appease the impatient stockholders with a better standard of living, even if their actions will inevitably kill the goose that laid the golden egg, and I don't mean the company itself; I mean the consumers that support its growth.

Some may think it is a "conspiracy" but that would require greater intelligence than these overnight successes actually have. No, it is the system itself that has been ignored and abused. Anti-trust laws encourage the long-term health of a system; they are now intended to destroy profits but to guarantee that profits go to companies that make a better mousetrap instead of playing accounting games through mergers and acquisitions.

At he moment, America suffers from the bloat of having been number one for so long that it became a monopoly. Now, it acts like one; stifling innovation and shooting messengers of bad news. It has become the greatest incentivizer of saying "yes" to the boss and "no" to the employees, and refusing change. The worker or the citizen, in this case, has the greatest motive to steal from the supply room, and to blame failure on others. There is no reason for self-improvement, as that would just draw attention and make him a target of petty office politics, as it is much easier to shoot down ideas than to have them or promote them. Destruction is much easier than creation and invention.

In fact, to some, it would make the most sense to let things fall apart so they may more easily steal from the company as it falters. Using Katrina and New Orleans as a perfect example, despite the destruction of the city costing the larger corporation a huge fortune in the long run, it has made many companies a small fortune through the contracts of rebuilding it. So, the incentive was to let the levies fail knowing that reconstruction contracts would be very profitable to a few companies while costing the larger consumer base a huge loss.

It is time America become aware that it has a mental deficit, so that it may first choose to improve itself. You cannot possibly solve a problem until you see it "as a problem". We have to lay down our egos and admit we have become stupid, not looking for blame but realizing the cause of our current failure as a nation. Denial will do no good; it will only make things worse. If we realize there is such a problem, when is it appropriate to solve it? I have always heard, "NOW" was a good time.

Related Articles:
The Deliberate Dumbing Down of America
The Dumbing Down of America
Dumbing Down American Readers



Wednesday, May 16, 2007

Implications of Higher 'Starting' Age Entering the Workforce

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I will begin on a more anecdotal note, despite the very statistical nature of this article.

When I was a kid, my mother let me borrow the lawnmower only after I had finished our own lawn, to go around the neighborhood and provide the same service to others who weren't blessed with kids to do yardwork. I got $5 or $6 a yard and I was rolling in the bucks; enough to buy any toy I wanted, large or small.

When I turned 14, I was able to get a work permit. I no longer had to sell Christmas cards from door to door or do odd yard work to make a wage. Was I slave labor? No! Was I child labor? Yes. Was it immoral? Absolutely not! I learned the work ethic that made America great, and I learned it early, while my learning curve was short, fast and deep. The first job I had I was as a busboy and dishwasher. It was summer. It was hot. And I had a ball.

I had no idea I 'was being abused', because I wasn't!

At 47, some think I am old. Well, I am old enough to begin to say things like, 'those were the good ole days'.

I see a generation of lost souls with nothing to do. My son wants to be responsible when mom calls him out on his lazy behavior, but what is he going to do? Take a job from an illegal immigrant. Impossible -- he hasn't taken a foreign language yet. And it it is he who would be fired on the basis of HIS national origin. My, how things have changed.

Politics is becoming more complicated because, on this issue, we find both the extremes of both parties attacking our right to work as American citizens and legal immigrants by allowing us to be either pushed out of or prevented from entering the workforce.

I refuse to believe all of it is a sense of "spoiling our children" because frankly most Americans could use the additional income provided by their working kids. Mom could use a break as a working kid is out of her hair while she is at home or at her job. My mom was confident that her son wasn't committing crimes or doing drugs, as I was under supervision by mentors who cared about my personal development of a work ethic. It helped their businesses and it helped me.

I refuse, by the way, to blame this on the rising minimum wage, because even then, I was making the equivalent of $15/hr when adjusted for inflation. By the time I was 16 and had a driver's license, I was a stocker at a grocery store, in a union of all things, making $6/hr in 1976. That is like $20/hr now. But those rates don't exist now, as the rich in America have priced labor out of reality, on the low side for us and on the high side for them.

When I was 18, I worked in construction, $10/hr (1978). That rate stayed at a living wage through 1990, then it began to fall as subsequent administrations began to ignore the citizens for whom they work.

Many will blame it on free trade agreements. Others, who have actually read those agreements, realize it is about failure to enforce the labor relations clauses of those agreements, allowing multinational corporations to make profits without consideration of fair competition and humane treatment in their foreign factories.

It was during the late days of the Clinton administration that the rich discovered they could slowly either move jobs elsewhere, or they could hire illegal immigrants who cannot complain about their pay and treatment. Pay has become unlivable unless you have 10+ PEOPLE IN A SMALL HOUSE IN A BAD SECTION OF TOWN.

Our children have been taught to hate 'those people' and they do. They don't realize, it was the rich that made this happen, and it is they our children should be looking at... with contempt.

They have bought and paid for our officials whose jobs it is to curb their ferocious appetites for profit.

Though we have laws against the corporate abuse of our airwaves, no one enforces them. The entire AM dial is rotten with propaganda feeding the masters. This is not 'free market'; it is called antitrust and no one -- who is paid to care, does.

The data below makes it clear where America is headed; toward American adults/parents working for less than what their kids used to get paid due to a failure of the government to protect the very sovereignty that makes us a nation.

In the long term, we will see that it has and will continue to destroy the thing that made good kids into good citizens. Young people will grow up knowing they have been disenfranchised. Minorities, who ARE Americans will be pitted against those who take their jobs and fail to notice who allowed it.

America has entered an age when push must become shove, but who do we shove? The government has put border agents in jail when they simply do their jobs. The result is, no one is standing in line to become a border agent, so no one will guard the border and those who do will simply step aside and welcome those crossing (if they want to keep their jobs). Is this a slippery slope fallacy, much ado about nothing or a truly slippery slope where not only will we fall and slide down a deadly hill, but snow will avalanche behind us and bury us. Too dramatic?

Well, death, starvation and dying is pretty dramatic.

It sounds like a lot to infer from a lifetime of experience, observation and the data below that we are in danger of, if not already, becoming a slave nation and our kids will not even know they are slaves and neither will most adults as they become angry at the wrong enemies.

Note: the population has risen by as much as 1/3 (estimation due to impossibly high illegal immigration numbers) while the total number of jobs for those 16-24 has declined dramatically.


Data extracted on: May 16, 2007 (1:41:24 PM)

Labor Force Statistics from the Current Population Survey

Series Id:           LNS12000000

Seasonal Adjusted

Series title: (Seas) Employment Level

Labor force status: Employed

Type of data: Number in thousands

Age: 16 years and over

Year

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Annual

1997

128298

128298

128891

129143

129464

129412

129822

130010

130019

130179

130653

130679


1998

130726

130807

130814

131209

131325

131244

131329

131390

131986

131999

132280

132602


1999

133027

132856

132947

132955

133311

133378

133414

133591

133707

133993

134309

134523


2000

136559(1)

136598

136701

137270

136630

136940

136531

136662

136893

137088

137322

137614


2001

137778

137612

137783

137299

137092

136873

137071

136241

136846

136392

136238

136047


2002

135701

136438

136177

136126

136539

136415

136413

136705

137302

137008

136521

136426


2003

137421(1)

137470

137439

137628

137538

137782

137483

137542

137591

137985

138453

138425


2004

138471(1)

138507

138436

138667

138835

139162

139584

139569

139491

139750

140272

140154


2005

140236(1)

140320

140599

141229

141569

141704

142084

142423

142449

142586

142597

142782


2006

143099(1)

143319

143680

143763

144045

144386

144330

144618

144906

145337

145623

145926


2007

145957(1)

145919

146254

145786










1 : Data affected by changes in population controls in January 2000, January 2003, January 2004, January 2005, January 2006, and January 2007.


Series Id:           LNU02000000

Not Seasonally Adjusted

Series title: (Unadj) Employment Level

Labor force status: Employed

Type of data: Number in thousands

Age: 16 years and over

Year

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Annual

1997

126384

126887

128125

128629

129565

130463

131350

130865

129972

130671

130999

130785

129558

1998

128882

129482

130150

130735

131476

132265

132769

132206

131864

132424

132577

132732

131463

1999

131339

131639

132299

132552

133411

134395

134800

134264

133555

134390

134515

134696

133488

2000

134912(1)

135490

136054

136927

136685

137915

137769

137308

136790

137532

137461

137846

136891

2001

136181

136577

137155

137022

137121

137737

138239

136809

136835

136885

136370

136269

136933

2002

134177

135443

135558

135903

136559

137181

137495

137295

137377

137551

136684

136599

136485

2003

135907(1)

136433

136783

137424

137567

138468

138503

138137

137731

138619

138700

138556

137736

2004

136924(1)

137384

137691

138423

138867

139861

140700

140226

139641

140447

140581

140278

139252

2005

138682(1)

139100

139759

140939

141591

142456

143283

143142

142579

143340

142968

142918

141730

2006

141481

141994

142772

143405

144041

145216

145606

145379

145010

146125

146014

146081

144427

2007

144275(1)

144479

145323

145297










1 : Data affected by changes in population controls in January 2000, January 2003, January 2004, January 2005, January 2006, and January 2007.


Series Id:           LNS12000086

Seasonal Adjusted

Series title: (Seas) Employment Level - 16-17 yrs.

Labor force status: Employed

Type of data: Number in thousands

Age: 16 to 17 years

Year

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Annual

1997

2616

2645

2617

2667

2619

2645

2629

2614

2647

2703

2709

2685


1998

2837

2772

2814

2790

2754

2694

2735

2761

2792

2706

2706

2840


1999

2771

2834

2790

2819

2834

2698

2830

2783

2729

2847

2775

2823


2000

2871

2791

2831

2823

2734

2826

2638

2753

2724

2656

2725

2790


2001

2604

2645

2622

2584

2652

2604

2581

2431

2549

2537

2493

2423


2002

2272

2348

2446

2313

2257

2354

2359

2333

2392

2380

2240

2258


2003

2363

2314

2281

2280

2328

2332

2318

2380

2289

2234

2359

2264


2004

2327

2274

2153

2215

2137

2087

2174

2128

2175

2211

2242

2241


2005

2287

2285

2323

2220

2232

2296

2260

2309

2302

2288

2281

2337


2006

2296

2364

2328

2400

2500

2535

2427

2390

2449

2560

2520

2513


2007

2394

2275

2301

2315











Series Id:           LNU02000086

Not Seasonally Adjusted

Series title: (Unadj) Employment Level - 16-17 yrs.

Labor force status: Employed

Type of data: Number in thousands

Age: 16 to 17 years

Year

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Annual

1997

2293

2327

2312

2419

2484

3003

3409

3102

2611

2640

2588

2591

2648

1998

2486

2456

2507

2543

2606

3065

3523

3226

2761

2650

2584

2738

2762

1999

2435

2522

2493

2571

2671

3078

3640

3237

2708

2798

2657

2706

2793

2000

2536

2499

2532

2572

2576

3222

3377

3169

2704

2615

2621

2681

2759

2001

2333

2382

2347

2354

2492

2961

3292

2781

2528

2493

2405

2323

2558

2002

2045

2126

2196

2109

2116

2666

2998

2659

2368

2337

2172

2164

2330

2003

2138

2103

2053

2087

2179

2622

2931

2710

2262

2188

2294

2175

2312

2004

2117

2079

1944

2032

1999

2334

2735

2421

2138

2160

2188

2168

2193

2005

2089

2098

2101

2040

2086

2558

2828

2622

2253

2231

2231

2270

2284

2006

2099

2177

2109

2210

2335

2833

3039

2715

2392

2495

2470

2449

2444

2007

2174

2066

2069

2129











Series Id:           LNS12000012

Seasonal Adjusted

Series title: (Seas) Employment Level - 16-19 yrs.

Labor force status: Employed

Type of data: Number in thousands

Age: 16 to 19 years

Year

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Annual

1997

6595

6585

6647

6704

6690

6531

6615

6650

6605

6686

6849

6817


1998

7035

6959

7014

6985

7007

7033

7018

7074

7212

7036

7052

7214


1999

7092

7229

7155

7153

7331

7037

7193

7117

7090

7232

7198

7251


2000

7298

7206

7241

7393

7280

7284

6995

7120

7110

7088

7143

7172


2001

7104

7038

7001

6860

6717

6812

6784

6356

6649

6602

6620

6400


2002

6361

6425

6507

6349

6332

6348

6317

6208

6416

6397

6209

6139


2003

6096

6054

5875

5945

5932

5880

5844

5865

5862

5851

6005

5855


2004

5975

5891

5762

5908

5903

5818

5895

5923

5895

5933

6035

5948


2005

5918

5813

5948

5912

5920

5990

6014

6060

6056

5970

6015

6081


2006

6090

6153

6150

6169

6215

6253

6197

6079

6060

6161

6202

6200


2007

6145

6078

6019

5970











Series Id:           LNU02000012

Not Seasonally Adjusted

Series title: (Unadj) Employment Level - 16-19 yrs.

Labor force status: Employed

Type of data: Number in thousands

Age: 16 to 19 years

Year

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Annual

1997

5952

6032

6182

6285

6537

7372

8145

7554

6285

6419

6552

6614

6661

1998

6396

6422

6571

6577

6847

7905

8580

7955

6838

6753

6744

7020

7051

1999

6460

6699

6715

6735

7150

7900

8752

7962

6724

6977

6909

7081

7172

2000

6666

6703

6786

6965

7076

8163

8474

7933

6752

6873

6859

7023

7189

2001

6511

6558

6568

6448

6506

7630

8190

7073

6341

6424

6361

6267

6740

2002

5843

5986

6108

5959

6120

7105

7615

6914

6131

6232

5973

5992

6332

2003

5612

5637

5512

5570

5722

6581

7039

6546

5615

5701

5780

5709

5919

2004

5503

5475

5402

5522

5690

6517

7114

6621

5645

5775

5816

5800

5907

2005

5460

5395

5570

5524

5707

6714

7260

6775

5789

5801

5803

5934

5978

2006

5620

5700

5757

5760

5990

7023

7494

6801

5783

5978

5989

6052

6162

2007

5656

5592

5611

5549











Series Id:           LNS12024887

Seasonal Adjusted

Series title: (Seas) Employment Level - 16-24 yrs.

Labor force status: Employed

Type of data: Number in thousands

Age: 16 to 24 years

Year

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Annual

1997

18878

18873

18948

18968

19194

18911

19086

19005

19042

19067

19313

19291


1998

19500

19447

19491

19565

19617

19574

19495

19572

19754

19725

19741

19853


1999

19798

19971

20077

19900

20185

19908

20100

20120

20107

20160

20148

20303


2000

20344

20253

20356

20540

20240

20479

20158

20414

20567

20570

20552

20606


2001

20601

20487

20493

20279

19974

20014

20112

19564

20131

19861

19939

19686


2002

19471

19769

19758

19600

19812

19696

19671

19693

19859

19692

19631

19551


2003

19605

19564

19355

19364

19344

19358

19218

19241

19258

19272

19380

19295


2004

19643

19538

19399

19704

19546

19505

19667

19680

19509

19747

19826

19779


2005

19649

19381

19654

19594

19663

19836

19934

19802

19873

19940

19955

19885


2006

19815

19947

19973

19957

20093

20105

20045

20133

19987

20010

20107

20273


2007

20231

20217

20224

19952











Series Id:           LNU02024887

Not Seasonally Adjusted

Series title: (Unadj) Employment Level - 16-24 yrs.

Labor force status: Employed

Type of data: Number in thousands

Age: 16 to 24 years

Year

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Annual

1997

17785

18012

18275

18440

18962

20203

21197

20207

18579

18764

18983

19075

19040

1998

18466

18621

18840

19059

19372

20866

21599

20722

19239

19448

19409

19654

19608

1999

18797

19163

19415

19400

19902

21177

22178

21220

19609

19915

19845

20137

20063

2000

19368

19484

19660

20032

19927

21756

22156

21481

20077

20356

20260

20460

20418

2001

19678

19745

19800

19778

19648

21212

22042

20529

19706

19694

19675

19547

20088

2002

18653

19074

19091

19108

19484

20828

21501

20653

19466

19542

19397

19394

19683

2003

18811

18880

18709

18873

19032

20432

20950

20181

18909

19139

19163

19136

19351

2004

18852

18841

18752

19184

19237

20587

21447

20660

19158

19609

19615

19619

19630

2005

18858

18670

18989

19071

19356

20949

21749

20814

19503

19794

19750

19733

19770

2006

19003

19182

19291

19406

19769

21268

21914

21167

19604

19853

19903

20129

20041

2007

19407

19415

19538

19368












U.S. Bureau of Labor Statistics
Postal Square Building
2 Massachusetts Ave., NE
Washington, DC 20212-0001

Phone: (202) 691-5200

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