Its a place undefined in time, a location that no one would ever willingly travel to. Are we there yet? The answer is yes. But its going to take 7 to 8 years for the reality to sink in.
Thursday, November 26, 2020
Voter Fraud
Saturday, November 14, 2020
The Pitfalls of Mail in Voting
In a democracy, the voter gets to elect his government officials, in secret, by voting, on election day. Back in the 1800’s there were stories of the boss standing next to you when you filled out the ballot. Not cool. Think twice about voting by mail. Your name and address are on the ballot being returned. The government can cull out the opposition by recording how the vote was cast. You can’t claim that you voted for someone else, it is right there in black and white.
In each election, millions of dollars are spent on advertising, to try and win your vote. With mail-in ballots, going to every registered voter, voters who don’t even care to vote will get ballots. Why spend on advertising in the media for your vote? It could be a lot cheaper to buy each vote for $200 to $1,000. With a budget of 50 million, one could buy 50,000 to 250,000 unmarked but signed ballots. This turns the mail-in ballot into a bonus check. There is a claim that this already happened in Michigan during the previous election. This should be illegal. Many of our poor would rather have $1,000 in hard cash rather than voting in an election. Notice that the time span from the delivery of the vote until the election, pretty much makes the blank ballots a fungible commodity that can be recovered and processed in a timely manner.
Another thing to look at is the voter rolls. 2.7 million people die each year in the US. That could be 2 million dead people on the rolls just for that year. In some districts, they purge your name if you don’t vote in two general elections. 8 years of dead people amounts to 16 million dead people on the voter rolls. Mailing out a ballot to all of them might change the election results. They have registered voters that would be 120 years old in some states. The neat thing here, you don’t have to pay dead voters for their vote.
Each year many families move for one reason or another, and re-register to vote. This can create a duplicate second mail in ballot. A close friend of mine, moved to Pennsylvania three years ago and still received a mail in ballot for the California election. Nothing was done illegal, they moved and the election board had no idea. My next-door neighbor died last May, and I am sure he got a ballot in the mail.
If the people in charge of the voter registration are from one political party, elections can be massaged with mail-in voting. It is not hard to compile a list of dead voters or of people who have moved out of state. This method of rigging an election is not perceivable if done surreptitiously. But in this age of computer technology, it is not hard to research and discover some of the voter fraud. With the census that was recently taken, it might be a very easy thing to validate voter registrations by comparing it to the census data.
Can we afford to have universal mail-in ballots? It lends itself to internal corruption when one party runs the balloting process. The real question, is it fair that a ballot can be turned into cash? Maybe the Supreme Court can settle the case. If it can’t, elections will not be determined by the voters, rather the people running the election process will do it for you. Its kind of like going into an “all you can eat restaurant.” You get up and go for seconds and are told “That’s all you can eat.”
Saturday, November 07, 2020
Problems in Paradise
Right now, everyone is refinancing their homes at the new 2 ¼ loan rate for 30 years. Everyone with a job that is. A lot of people are behind in their mortgage payments 6 or more months. No problem everything is okay. The majority of workers have a 401K retirement fund that is probably heavily invested in the stock market. As long as it goes up, no problem. A lot of businesses are or will be closed forever due to the Corona virus. When the government says it is okay to open, quite a few will not be able to.
Saturday, October 10, 2020
The Importance of the Supreme Court
People think that when they drive by a sign that says “littering $1,000” that it was a law passed by some legislative body, city, state, or Federal. And they are wrong.
I don't normally talk politics, but President Trump is fighting for for what this country was founded on. Go out and vote. I'm not sure of who will win, but he embodies the spirit that has made this country great.
Saturday, September 26, 2020
The True Perspective of the Corona Virus Stats.
Friday, July 24, 2020
The Corona Virus Flatulence
People think that if they wear the mask, it prevents them from getting the virus. Ok suppose that it does, the virus still wants you. If you hide from it, it will find you. It just takes a little longer. The time it takes to get to you is what “flattening the curve” is all about. Not everyone is in the hospital at the same time.
The Corona virus has been hyped to panic mode for political reasons and it is no more lethal than the common cold for most people under the age of 70. Above that age it is a very serious deadly virus. Plus, there can be more than one cause of death when a person dies over the age of 70. The real odd thing is that old age is not considered as a cause of death.
When people see 145,000 deaths in the USA, their reaction lacks real perspective. About 2.7 million people die every year, that’s 1,700 a day. It has been reported that the total deaths for the current period matches pretty close to the deaths from last year. These deaths this year would have been attributed to other causes given the absence of the virus.
The anti-Trump newspapers could turn measles into the plague. Their coverage of the Corona virus deliberately squashes any glimmer of hope or optimism with the intent to panic the masses. The news rooms are not reporting the decrease in deaths each day, only the number of new cases and the total dead.
Most people when you mention the word "Rest Home” imagine some nice hacienda like setting with a bunch of seniors setting around playing cards drinking wine (don't confuse it with "Assisted Living"). A more realistic view is elderly who are senile, stroke disabled, incontinent, and bed ridden, with the room laced with lots of air freshener. Sad to say, many of these deaths can be a relief to relatives, footing the bill for rest home care, which range between $60,00 to $100,000 a year. Usually the infirmed end up in rest homes because they are a danger to themselves or others. Some of the elderly are lucky enough to avoid that, and they are the few.
If we project out about 45 days, the deaths from the virus should dwindle down to an acceptable level of about 200 a day. That is my best guess. And of course, the whole pandemic will be over the day after the election. At that point chicken little can come out and review the economic carnage. You don't have to social distance at places that will never reopen. The real suffering will start then.
Sunday, June 28, 2020
News Services panic the Nation on the Kung Flu virus
Reading the reports, 20 million people are estimated to have had the Corona 19 virus in the USA. States are re-closing down because of the increase in cases reported. The way the press is handling this, is that if you test positive, you are going to die. And that is a farce. The other thing that is grossly misunderstood is the fact that if we all social distance and wear masks, this virus is going to go away and next year we will be Okay. Wrong! We are only slowing it down. We gain “herd immunity” when 80 percent of the population has had the disease; that’s about 260 million people. Most people think that if they stay at home and hunker down this will all blow over after a while. The trouble is, the time concept of how long, is missing; 6 months? 12 months? 2 years? As far as the virus is concerned 20 million served, 240 million to go. A face mask or social distancing may save you today, but the virus wants you and will wait patiently.
The other thing not mentioned, is that the less virulent strains of the virus may pass through the population at a faster rate. If it kills you, it goes no further, so we would expect it to be less deadly over time.
So, stay at home and run out of money or go back to work? This virus is not killing very many people under the age of 60.
If you are a Democrat, “We have to stay home until it is safe.” And while you’re at it, riot and tear down a monument or two.
If you are a Republican, accept the risk and open up. This disease could kill 130,000 (mostly over the age of 65). Heart disease and cancer kill 4 times more a year.
And look at the positive side, if we kill off all of the old farts (like me), Social Security won’t go bankrupt.
From an economic point of view, this shut down could ruin the country. The government has has screwed over the retirement income for those 65 and older by reducing the interest rates to zero. Compound interest is no longer the 8th wonder of the world. So if you're ready to retire, you have two nemesis; an under performing nest egg and the virus. So, go get a seat belt for your rocking chair and tour the world from your living room. Maybe you'll get to babysit the grandkids over the weekend ;>). If you stop listening to the news, you might just enjoy retirement. Influenza kills 60,000 every year in this country and no one bats an eyelash, go figure.
Saturday, May 23, 2020
The Rest Home Problem
Let’s figure it out. You retire and later on when you get really old you have a stroke or get Alzheimer’s; you have a problem. Nursing homes cost $50.000 to $140,000 a year for complete care. Now if you are married, the other spouse may be in good shape, not needing the services. Paying for the service could deplete you family’s retirement savings very fast. In most states you don’t have to sell the house to get Medicare benefits for your spouse.
Usually the first step is the rest home, and then it progresses to the nursing home. Most of these places have to make a profit. So, if you have run out of funds, they try to unload you onto a Medicare home. The wait times to get in are ridiculous. If at any time you come down with an emergency health issue; heart attack, stroke, influenza or Corona virus, the hospital will accept you for treatment.
Once their situation has been addressed by the hospital, they try to ship them back to the rest home they came from. If the person is indigent, the rest home doesn’t want them back. And in some states like New York, the governor made a point that the people had to go back to the rest home they came from, otherwise they became wards of the state. The real issue was who had to pay for the person’s expenses. Gov. Cuomo did not want to fund it. And by State government decree, he inadvertently killed about 4,000 rest home patients by returning recovering corona case patients back to their rest home.
The other problem here is one that escapes most people. 50 years ago, interest rates ranged between 6 to 13 percent. And most people who saved for retirement were getting about 8 percent on their savings and their nest egg doubled every 9 years. So, today, it isn’t surprising to see retired people with savings of one million dollars. The catch is, the money no longer returns 8% interest or 80K per year, maybe about 10K. This is where seniors are getting ripped off, very low artificial interest rates.
The real question that needs to be asked, did risk leave the market? Increased risk implies higher interest rates. 1 to 2 percent return on your savings has to be a joke. The market has no risk? Is this even possible?
If the government wanted to tax someone with money how can they do it? One, by taxing the total amount saved or by printing more dollars that makes the saved dollars’ worth less. By reducing the interest rates to 1% the government is taxing savers about 7% on their money in the bank. Notice how clean this is, you don’t have to ask anyone how much money they have in the bank, the saver just get less interest.
So, if you are a senior in retirement, you get hit twice, no real interest on your savings and inflation on your savings of about 8 to 12 percent a year. And of course, you’re too old to do anything about it. And if you did, your lawsuit would outlive you. You don’t buy green bananas when your 85.
We have a new group of people in the mix, the young adults. To them cigarettes have always been $8.00 a pack. They are not about to save any money; the miracle of compound interest is dead. They will go out and buy a home, and the government loves that, more taxes and the taxes increase with the homes “value.” The old people (like me) can warn them about cigarettes costing 25 cents a pack way back when-- and that has a name “inflation.” “But grandpa that was a long time ago, times have changed.”
So, we the seniors can see that there are no future incentives to save with these very low interest rates, and now we know why our plans for retirement no longer deliver the interest rates we anticipated 40 years ago. If we live to be 85, we have a very good chance to run out of our savings if we have to go into a rest home. The governments artificially set low interest rate is stealing from those who have saved money, the people who saved for retirement. Congress knows that they can’t tax people that are broke.
If all the banks want to pay is 1 percent, convert your holdings to gold silver and platinum. Nobody on the internet can steal your savings if it is in a deposit box. It is invisible nobody knows you have it. There is absolutely no reason to have a bank account for savings, the present inflation rate of 12 percent will eat you alive (mostly in the medical field). The Government is counting on everyone to contribute to an IRA or 401 K to save on income taxes. Forget that, cigarettes will be $140 a pack when the young retire. Congress cannot print gold and silver. People need to realize that there is no risk buying precious metals. There is a risk on holding on to savings long term, the return is not there.
Friday, May 01, 2020
The Corona Virus, the Terror Fear Creates
"Hospital administrators might well want to see COVID-19 attached to a discharge summary or a death certificate. Why? Because if it's a straightforward, garden-variety pneumonia that a person is admitted to the hospital for – if they're Medicare – typically, the diagnosis-related group lump sum payment would be $5,000. But if it's COVID-19 pneumonia, then it's $13,000, and if that COVID-19 pneumonia patient ends up on a ventilator, it goes up to $39,000."
If the deceased patient had no health insurance normally there would be no reimbursement to the hospital. But if they can attribute it to Corona virus, they get paid. Notice you get more for Corona than Influenza. As a hospital administrator you can increase your bottom line by selecting how the person died.
New York and New Jersey are way out of specs on confirmed cases. Most states have a death rate of about 42 per million of population. New York claims 1,200 deaths per million and New Jersey claims 744 per million people at this time due to Corona Virus. 89 percent of all Corona-19 deaths are over the age of 65. We knew in December of last year that New York City had a storage problem at the morgues, they had run out of space. So, the additional refrigeration units needed for bodies was no surprise. Notice any exaggeration of the number of deaths due to the virus, tends to add to the panic and the need for public officials to do more now. And this is an election year, God help us! Here is a link to the mischief being done: NYC Funeral Homes
We have contained the virus outbreak to where it did not overwhelm the health care system. The people dying were the elderly especially in rest homes. These people were the prime consumers of health care. But now we have inadvertently shut down the regular health care system for heart attacks, strokes, cancer surgery, chemo therapy, and blood testing. People are scared to death to see a doctor especially if retired. Now we have people dying from causes other than corona virus. And the funny thing, the doctors and nurses that support these operations are being laid off.
We have a problem for the world. No work, no food. Translated: no money and you starve to death. This could kill billions. And the bad thing about starving people is, they are the Petri dish for new diseases.
Where to from here? Let’s assume that the virus has done its damage and has moved on. We need to get back to work. We could lose more elderly people to the virus, but they are the ones that we need to be more protective with. Otherwise the cure is worse than the disease. BTW I’m 73.
As a post script.
My grandmother was put in a rest home when she was 90. At the age of 96 the rest home called me and said she was dying. I went to her bedside and called emergency and they informed me that if it wasn’t a heart attack, stroke or something that they could treat, they would not be able to help her and she would not be admitted to the hospital for care. I took her off all 30 of her medications. She recovered and lived another 3 years. At that rest home, there were many people in very bad shape that had no idea of who they were or why they were there.
People do not realize that rest homes charge from $50,000 to $90,000 a year for taking care of a loved one. Usually the person makes it to the home when they can no longer take care of themselves because of dementia, lack of mobility from physical problems, or whatever. They need around the clock care. Just tripping on a rug and falling to the ground can break a hip or an arm.
On my grandmother’s 99th birthday I went to visit her at the rest home and commented with a smile, that in one more year, she would be 100. This woman, had all of her wits about her, she looked straight at me and said tersely “How would you like to be a 19 year old woman trapped in a 100 year old body.” I didn’t have an answer.
Monday, March 16, 2020
The Corona Virus Media Hype
Several pieces of information are not forthcoming, but can be gotten if you know where to look. Is there an increase in hospital bed occupancy? If you are going to be tested for the virus, can the test detect that you all ready had it and are no longer infected or does it just test if the virus nailed you. The big difference here is a guilt trip on a positive test after you have had it and want to return to work. Can you return to work? Imagine getting a phone call saying you are infected. What is the health worker going to tell you? “If you hurry home you might have enough time to say goodbye to the wife.”
With any disease, there is a term called “herd immunity” With measles the herd immunity rate for immunization has to be 90 to 95%; at that point it doesn’t spread. That means you either had the disease or got a shot for it. The herd immunity rate for Corona could be a lot lower, we do not know the communicability rate on it yet. It could be low and not high like measles. Any way you look at it, herd immunity is at zero. So, until there is a vaccine, we are at the mercy of the virus.
I believe that the first indications of problem in China was the increase in hospital beds occupied. That would have alerted the government to the problem. From there, we have been accusing China of covering up the problem. I don’t think that they knew what hit them. It probably took them 8 weeks to figure out what was happening. It appears to have started in the city of Wuhan China in November of 2019. The city has a population of 11 million. I don’t think that test kits for the virus were available in any form at that time. What we can probably deduce is that they now have some measuring system to evaluate the virus.
We don’t know how virulent the virus is. Without knowing the TOTAL number of people infected, we have no idea how deadly it is. So far, we know the number dead. We don’t know the total number infected. Testing will give us that number, but you have to realize, that testing does not cure the disease. It just tells everyone else that this person has\had the disease. From a personal point of view, that isn’t a good thing for the person who tested positive. Right now, there are people that tested positive and are still quarantined because they still test positive after 38 days.
Most people for the next 3 weeks, are avoiding all contact with sports, rallies etc. The virus will wait, and attack again. Admittedly it will lessen the numbers hitting the ER—we have lengthened the time for the virus to act.
The question does arise, are we running amok with fear without reason? Influenza kills 20,000 people in the US every year and we do not have even 80 deaths for Corona Virus in the US this year. As mentioned in my last article, we have 7,700 people dying in this country every day normally. Just like we have 9,000 births a day. 80 people over how many days have died from corona virus?
We have a problem here, but it is not from the virus, it is from the perspective of what people consider normal. They are panicking needlessly. This virus is attacking the elderly. The vector that spreads it is the young. We need to isolate the old from the general population.
I am in the at risk group most likely to die from it. I can see how the vector (infected person) could infect me. It distresses me but the overall panic is very disturbing. The stores are running out of drinking water and toilet paper for no real reason. I can only come to one conclusion; the media has turned the majority of people in this country into mindless idiots. The perceived threat is, that some horrendous disease that is going to kill everyone. The Boogeyman that was under my bed as a child was very real to me. This group fear complex is getting out of hand. People will die, but it is not every 10th person in line. 320 million people in this country and they figure it might contribute 30,000 deaths in a year. Remember 7,700 people in the US die every DAY.
This panic will end, after the news media finds something better to hype.