Posts Tagged ‘Taxes’

GOODBYE CALIFORNIA

October 18, 2017

The citizens (and illegal aliens) of California want to secede from the union. What a wonderful happening for those of us who appreciate our nation. They want their sovereignty and we want freedom from their insanity.

Per usual, those of the liberal progressive left who want to become their own country see only the good points of being a nation of their own. They see not what they have already done to the region. They see seaports for trade and beaches for tourism. What they fail to see is the enormous debt liberals have foisted upon their state that must be absorbed solely by the new nation. (As of this writing, the spending exceeds the revenue by more than $28 billion <link> and is ever growing). Clearly, 10% of the state’s population is receiving food stamps (SNAP payments).  Many more also receive federal payments in the form of EBT, WIC, AFDC, SSI, etc.

They ignore the number of companies abandoning the region for more business friendly destinations. They rebuff the fact that the higher wage earners and wealthy retirees are exiting for states with more favorable economies and living conditions. They refuse to see that those people are taking their tax dollars away from the spendthrifts of Sacramento leaving behind a plethora of welfare awardees.

A reasonable person might see that each and every year, the state cries to Washington D.C. and FEMA for federal aid to adjust and offset the hundreds of millions of dollars worth of damage created by raging wildfires in the summer and flooding and mudslides during the winter months. Sonoma County officials, for example, are encouraging those affected by the recent wildfires to contact FEMA directly. All current federal access would go away and have to be paid by the few remaining California tax contributors.

When President Trump announced that taxpayers would no longer be illegally required to subsidize insurance companies as dictated under Obamacare, California (along with 18 other primarily Democrat controlled states) immediately hit the courts. California allows, even encourages, people in the country illegally to participate in the scheme that makes insurance expensive for the citizen taxpayers of all states.

Not only are nearly 900,000 people on the paid unemployment rolls in California, clearly 10% of the state’s population is receiving federal or combined federal and state welfare subsidies. Meanwhile…lawmakers of the state continue to pad their expense accounts and fund their retirements at the cost of citizens who often cannot even afford adequate housing.

That brings us to the homeless population and the diseases of such. California declared a state of emergency due to an outbreak of hepatitis A. At last count, nearly 600 homeless and indigent people have been identified as victims of this disease. Hepatitis A is spread by contact with other infected individuals or consumption of contaminated food or water.

While not confirmed, the CDC is looking into migrant camps where day laborers gather as the source. These camps are often found near construction sites and areas of agriculture. The day laborers tend to spend their largess in areas of lesser affluence, i.e. areas with high homeless populations.

Well, Goodbye California. Here’s hoping you do well on your own.

Advertisements

CONGRATULATIONS, WE MADE IT! $20,000,000,000,000 DEBT

September 15, 2017

The national debt has finally reached the point of abject irresponsibility. The unpaid debt accumulated in the past decade exceeds that accrued over the 220 years between the Constitutional Convention and 2007. According to the U.S.Treasury <link> the total recorded debt on September 30, 2007 was $9,007,653,372,262.

Each citizen now owes approximately $61,900 to the country in addition to any personal debt. Each taxpayer has an individual obligation to the federal government in the amount of $168,000 (that is after normal taxes are removed from your income, interest and dividends).

Eh, a few billion here, a few billion there…What difference, at this point, does it make?

When an individual decides to accept debt in exchange for satisfaction of their needs or wants, he or she must generally provide collateral to the lender. That collateral might be in the form of a mortgage on their home or other real estate or a provision allowing the lender to access a portion of their income commensurate to not-less-than the amount of regular interest on that loan. Most frequently, the terms include the interest plus the termed pro-rata repayment of principal. In either or any case, the lender wants an assurance that the loan will be repaid.

No such requirement is made of governments.

When an individual or entity such as a company or corporation defaults on their debt, the courts may act on a declaration of bankruptcy and remove a portion or all of the existing debt. However, the borrower is obligated to offset as much of the debt as possible by liquidating physical assets and providing the proceeds to the court. That individual or entity must then resume life without. He, she or it must start from nothing with only a possible ongoing subsistence income to survive. Friends and family may choose to help out for a time, but eventually the particular debtor must assume the burden for their lives, livelihoods and actions.

If and when a federal government defaults on massive outstanding debt, their recourse is to take as much as necessary from the citizens therein to cover the obligation. That might mean converting our businesses, our real and personal property as well as our income and savings to cover the obligations made by our elected officials. We, as a citizens and taxpayers, have no choice at that point.

We had choices when we elected our presidents and representatives over time. We had the choice to re-elect or reject them. We allowed them to fritter the tax money we worked to earn. They did so in often irresponsible ways and against our wishes and principles. We allowed it. We created this problem. At the point of default, we have only us to blame.

That, my friends, is how Communism comes about. Once the government controls the economic infrastructure of a country, the citizens become chattel. Once the government has complete control over our lives and livelihoods, it is a long and tough fight to regain what we now have and complain about.

It is time to make some major changes. There is no longer a defining line between conservatives and liberals when it comes to government spending…it is all liberal spending. The line must be redrawn by making a rapid and colossal change to the failing congress and their process.

It is okay to have two (or more) parties with differing viewpoints offering input to policies and procedures for the nation. However they both, or all, must be reasonable and responsible for the decisions on which they arrive. There must be a cost/benefit analysis done, not just a cost analysis. The Congress must explore and debate the potential consequences of the laws and conclusions as well as the perceived benefits without indicting the opposition or depicting them as evil or insane. But we must accept the responsibility to elect sane and reasonable people to represent us.

Good luck handling your portion of the debt. *BTW, the median household income according to the New York Times on September 12, 2017 <link> is currently $59,039.

Just because a congressional candidate has a (D), (R), (L) or (I) behind his or her name doesn’t mean they always have you in mind when they spend your tax dollars. They, in fact, most often exempt themselves from accountability for inclusion in the laws they write no matter what affiliation they proclaim.

Our current president most likely falls into the Independent category. He is attempting to effect changes from the norm. However, the established and entrenched members of Congress, of all dispositions, are fighting him simply because he is not a homogeneous Washingtonian. They would rather scuff the toes of their wingtips kicking the can (National Debt) down the road rather than taking charge and disposing of it. It might be time to replace the whole team with members concerned for future generations.

 

WHY IS THE GOVERNMENT EVEN INVOLVED IN HEALTH INSURANCE?

June 24, 2017

The easy answer is because the socialists within our government want to control everything you ever worked for. Starting small, they managed in 2010 to conquer 1/6 our economic freedom to advance their agenda.

Unlike the First Law of Thermodynamics (“neither matter nor energy can be created or destroyed”), government entitlement programs can be created, they just cannot be destroyed once implemented. Government programs become indestructible foundation as soon as they are established and there is no destroying them. They can only be built upon. Even studies like “Why Ducks Waddle On Land and Swim Gracefully In Water” or “How to Extend the Life Expectancy of Fireflies for Our Children’s Evening Pleasure” are refunded and extended though no conclusion is found as a 2 year, eight million dollar grant ends with an exhausted budget.

The socialist Democrats of the 111th Congress, saddled the citizens of the United States with an untenable health insurance mandate that now cannot be destroyed. Though the costs to most people is exorbitant, it became an entitlement for some. To take an entitlement away once the slobbering, slurping few have become dependent on it is an impossible task. There are now people caught in the middle who won’t take jobs or accept advancement and a pay raise because doing so could cause adjustment in the premiums required to maintain their health insurance plan.

Before the PPACA was enacted, everybody had access to doctors and other health professionals. The elderly had, and have, Medicare (paid from funds the government sucked out of their paychecks when they were working). Medicaid was, and is, provided for those who cannot afford insurance and it is virtually impossible to find a case where a doctor refused treatment for a sick or injured person.

The rest must have jobs, pay for the health insurance program but cannot afford to take advantage of the service or care offered. The premiums deplete their otherwise disposable income to the point they cannot afford the deductible required to access a doctor. Think about that! Some people are less healthy because the Patient Protection and Affordable Care Act is not affordable and provides less timely care than was available prior to its inception. But the federal government is now in control of an entire industry and an additional 16.67% of our GDP.

Even with the help of a majority party in both houses, the new administration is struggling to find a way of actually providing patient care with reasonable and affordable insurance premiums and deductibles. They can’t do it. No matter how hard or what they try, someone will cry foul. Then it will cause an uprising and national attention. Somebody might risk re-election.  They, the powers that be, now control one-sixth of the national economy and rather than helping the majority of premium payers, they’ve managed to make the citizens sick…or sicker at least.

Once again our elected officials have inserted themselves where there is no place for them. Doctors, Physician Assistants, insurers and hospital administrators – those actually involved in the health insurance and care industries – should devise a, or some, workable plan(s). When the knowledgeable professionals agree, a presentation to the lawmaking bodies would be in order. This might keep elite but ignorant lawyers, politicians and other bureaucrats from dictating submissiveness to an infeasible program. *Been there, done that!

Even starting with what we had in 2008 – private insurance companies providing health care insurance – and improving on it seems a more practical and logical way of accomplishing a universal health care goal than “Here’s a plan. Confiscate a bunch of money from those who have a few bucks. Keep a large chunk of it (call it administration fees) and throw the rest into a fund to foolishly try and make an infeasible and unwanted plan work. When it doesn’t we’ll just make the people pay more and more until it does.

Thanks to those who mandated compliance with their deceitful schemes, overall public health today is worse than it was just a decade ago. Hospital administrators, doctors and insurers decline participation in the current government system (PPACA) because of the mandates put upon them (program guidelines, restrictions, regulations, taxes, pharmaceutical purchases and pricing, compliance protocols, recording and reporting, etc.). The low and slow reimbursement for their services doesn’t energize their enthusiasm for the program either.

Due primarily to the guidelines of the PPACA (aka Obamacare), many counties across the country have no facilities or physicians available to participate in the plan. This effectively leaves the public wanting for any plan providers within twenty to fifty miles from home.  Yet they are still forced to pay exorbitant sums for insurance.  Without traveling distances, some are forced to pay additional sums for service outside of the plan.

A transition from what is now decreed to be free choice in health care might be accomplished by releasing the people from the government bonds. Allowing states to set up funds to help with excess costs and preexisting conditions could keep costs down for all insureds. This simply means congress must write a law repealing the joke that is strangling those in need of care.

PLANNED PARENTHOOD AND TAXPAYER FUNDING

March 15, 2017

Cecile Richards, CEO of Planned Parenthood, the nation’s leading abortion mill, claims that no taxpayer funding is used to fund abortions. She says private donations fund abortions and that government grants pay for other services. This is another classic and laughable misdirection by a greedy and unconcerned socialist attempting to preserve her baby-killing and bonus producing revenue.

As a responsible personal and family budgeter for the past 55+ years and the former CFO for a non-profit corporation that dealt with funding from numerous federal, state, county and city government entities, I can say with all certainty that the above statement is deceptively false. It’s as simple as moving checkers on a board.

Keeping it as simple, relatable and understandable as possible, let’s look at a personal or family budget. Whether formal or informal, written or unwritten, one must accept that there are categories of income and expense. No matter where the money comes from, it is classified as income. It might come from regular earnings or bank interest or investments. Anything that increases your wealth on a regular basis is income and it can be allocated to expenses, entertainment, savings or foolishness.

Money that must be paid out is considered expense. Expenses require income or savings to make payment valid. If you have no savings and use the last of your monthly money for a concert when the light bill is due, you should expect a dark household in a few nights.

Concept to remember: limited funds require more reasoned choices. The lack of heat or lighting is not the fault of the local power company. It is your fault and your responsibility for making a, or some, unreasonable choice(s). Foregoing that concert may have meant unspoiled food in the refrigerator.

Let’s say you have income of $2,300 per month. Along with that are your monthly expenses of $2,200 per month (rent $1400, gas and electricity $100, food and household needs $250, car payment $300, credit card(s) $150, etc.). Your income just covers your monthly hard costs with little to spare for entertainment. Make sense?

Now let us suppose that you just won the lottery and have additional $2,000 each and every month for the rest of your life. This additional revenue almost doubles your income. Now you can devote a lot more for entertainment or a nicer car, savings or whatever. It matters not whether you use the money you work hard for to spend on entertainment and use the lottery money to pay the bills because it all looks the same; it all becomes part of the income category.

This is how Planned Parenthood uses taxpayer money and claims that not a penny goes to abortion. They simply report expenditures of the $500+ million taxpayer dollars to services other than abortion, sell the body parts of the aborted fetuses and log that income as “other income”. Depending on the specific terms of the government grants or contracts, they cannot use the income from body parts as matching funds. Planned Parenthood must use other donations to justify the the grant. Just the same, they now have plenty of money to perform the abortions which a majority of taxpayers find abhorrent.

Take away the taxpayer money and all of a sudden Cecile Richards has to begin making reasoned choices. Continue abortions and forego the bonus? That might be one choice. Discontinue abortions or a majority of them and keep the bonus might be a second choice.

It should not matter whether you are pro-choice (pro-abortion) or pro-life. A individual’s sexual misdeeds are not the responsibility of the general public. They are as personal as can be had. It’s an individual responsibility.

Should the citizens of a community be held responsible for the automotive repairs, property damage and medical expenses resulting from an accident caused by a driver who is more interested in texting than paying attention to the road and traffic conditions? Most thinking people will answer that question with a resounding NO. It should it be his or her responsibility to buy sufficient insurance or otherwise personally bear the burden of all costs incurred due to his or her negligence.

Some people are laughing at this comparison right now. They are the very people who want everyone else to pay for their mistakes and their well being in general. They’re called LIBERALS.

THE ACA LANDMINE: THE TRIPWIRES AND TRIGGERS BUILT INTO IT

March 10, 2017

Many inside and outside of government accuse the former president, Obama, of laying landmines for future administrations in order to fulfill his quest for a more perfect global society; Utopia. The undercurrent of this speculative theory surfaced as a tidal wave with the November, 2016 election when it was realized that Democrats would no longer be able to act unconstitutionally from the power position of the Oval Office. Almost immediately, Obama began executing executive orders and sending regulation requests to create havoc and disorganization as they are implemented.  Some of the directives are considered mini-timebombs to temporarily interrupt governing at irregular intervals and others are far more devastating.

Excavation for the planting of explosives actually began with the highly partisan progressive Democrat controlled House and Senate. The 111th congress was absolutely giddy with the power accessed by deceiving voters and conferred by the presiding Despot-in-Ministry. They began shoveling deep into the Marxist movement of America from their first seating. It was as if they had been given free reign by the ignorant and unsuspecting masses. Regulations rattled from every office of the White House and every agency and department of the federal government.

Republicans, even those who wanted to, had no way of stopping them. If there was a balk to a bill or dissent on any legislation, the questioning individuals were labeled racist, a tag that is virtually impossible to remove. The Marxists simply labeled them, shelved them and continued their journey down the path of national destruction.

One of the largest and most highly explosive land mines is the Patient Protection and Affordable Care Act (PPACA) aka Obamacare. Over the past seven years, it has proven to offer little Patient Protection, is not Affordable for those who most need it and actually offers less Care than was available prior to its implementation. It Acts as a wealth distribution program.

Designed not to keep the American population well, it was meant to move money from the wealthy and the workers through the government to the poor. In doing so, the workers join the poor and socialism wins. To assure its continued capitalist society disintegration, health care was immediately deemed a “human right”. Because it is impossible to dismantle a government program once identified as a human right, the pressure plate was depressed with the passage of the PPACA. This is what we had to find out after the giant gavel wielding Pelosi and her happy band of Marxists passed the bill that President Obama signed into law on March 23, 2010.

Since that time, there have been unconstitutional changes made allowing this new economic and health wound to grow and fester as the masses acclimate to the costly but only semi-effective antibiotics. Now dependent on the drugs of the social engineering program, it is impossible to effect a quick rehab. The “racist” opposing party was covered in dust. They are still swiping at shoulders and sleeves unable to recognize in the cloud that they can now act as the legislators for whom we voted.

The only way to fix Obamacare is to release the pressure plate. Let it blow. There are simply too many sensitive triggers strategically placed to try dismantle it and find all the primers. Toying with it will only allow the deeply hidden destructive capabilities placed within to explode, individually, creating casualty after casualty.

Yes, some people will be hurt. Most of them are now suffering with tattered bandages on pus filled wounds. They are the people who cannot afford to replace the dressing.  A new and different program with a vision and goal of actual health and health maintenance might provide for cleaning the infection and allow a scab to form as healing begins.

Before any dismantling and rewriting begins, it must be recognized that health care, like economic welfare, is not a “human right”. It is a societal courtesy. It is an earned merit. But, it is not a right! People who feel entitled are simply wrong.  Doctors and other health care professionals are only obligated to care for the injured or infirm by oath; a personal pledge…not government mandate.

A few intelligent heads can remedy the health care system. A small committee comprised of doctors, hospital administrators and insurance professionals  can do a far better job than elected officials without the required knowledge.  They must be mindful that cries from every corner of the nation cannot be appeased.  Trying to do so will injure us all.

* Note to congress.  Clear the ground and take shelter. Blow it!  Stay out of the toxic wind and give us a heads up so we can too. Pick up any pieces that fit together flawlessly and remold anything that has been lost. No malignancies. It must have a completely different look and most of all it must be without detonation capability in 2, 4 or 20 years from now.  Question:  Why does health care, if that’s what we’re really talking about, fall under the jurisdiction of the IRS instead of HHS?

Now, let’s talk about health care for veterans.  They deserve a functioning health care system.  They were guaranteed it on enlistment or commission and they most certainly earned it.