Stop Pulling the Wagon

GIVING YOUR MONEY TO CONGRESS TO INVEST

IS LIKE GIVING WHISKEY AND CAR KEYS TO A TEENAGER

When I was young and gullible I once believed the Social Security Administration maintained an investment account in my name into which they put my, and my employers Social Security contributions and then added interest during my working career.

This was the BIG LIE we were all led to believe.

What was really happening was all this money was being stolen by Congress to spend as they saw fit and they were replacing the money in the Social Security “Ledger” with worthless I.O.U.’s to be paid out on a supposedly “Pay As You Go” basis from “future” anticipated revenues.  This is the textbook definition of a Ponzi Scheme which they would put us in jail for if we put in practice on others.

The system is structurally Bankrupt and “benefits” (more later) are being paid through a “smoke and mirrors” accounting trick using borrowed deficit spending.  

Instead of an “investment account” maintained in our name, Congress now calls the Social Security “payback” an Entitlement Program as if it was like a Welfare Program.

HEY CONGRESS!  This was money taken out of our checks, at gunpoint when needed, and put into an account supposedly in our name and into which an equal share was paid by our employers – money they could have given to us in salary if it was not being confiscated by the Federal Government.

It is not like these elected “Clowns, Criminals and Lunatics” don’t know what an Actuarial Table is.  They do.  But, they would prefer to treat us all as if we are stupid and not aware of their little “slight of hand” maneuvers with OUR money.

At the present time the Government withholds (confiscates) 6.2% of your gross paycheck for Social Security AND your employer pays to them an additional amount equal to 6.2% of your gross pay.  There are some “thresholds” (upper and lower) on this but for the vast majority of us these numbers apply.  Don’t forget that if your employer was not required to pay this to the Government, they could give it to you in salary.  That totals 12.4%.

Just for fun I took an Actuarial Table (readily available on line – Google) and did a sample based on an average 40 year working career – that is like going to work at 25 years old and retiring at 65 years old.  Some folks make more and some folks make less but for this example I assumed an average annual salary of $50,000 with no increases over the 40 year period.  That would be an average monthly income of $4,166 (and some change).  12.4% of  $4,166 is $516 (rounded down).  If you “plug in” $516 into the Actuarial Table for the first month and then add that amount to your account monthly over a 40 year period  at 4% interest (chump change to a competent Investment Firm) you will end up at the end of your 40 year period with…..  are you ready….. $614,474.00  

But don’t trust me.  Run you own numbers.  At 5% interest that number jumps  to $794,504.00.

You could easily live out the rest of your years when you retire with a nice income and leave the rest to your family or favorite charity.

HELLO CONGRESS!  Where’s my money.

Something to think about.

Bob Bandy

“When the public discovers they can vote themselves money from the public treasury, the [American] experiment will be over”-Tocqueville 1838.

Along with a good many other people I feel despair when I see a disaster happening right in front of me and I can do nothing to stop it.

One example is a friend who becomes addicted to a drug that will destroy their lives.  You can see it happening but no matter what you say or try to do, they will not turn away from the addiction.  It becomes the most important thing in their life.

This happened in my own life with a friend who became addicted to alcohol.  We tried to help him over an extended period of time but the addiction was too much and ultimately alcohol meant more to him than his life.

I have heard that “Meth” (methamphetamine), sometimes called “Crystal Meth”, is so addictive that as high as 99% of first time users will become addicted.  “Street Wise” Drug Pushers will give away “free” samples knowing they are creating a future paying clientele for their life destroying commodity.

Anything that creates an addiction also creates a form of slavery.

National Parks have signs that say “Do Not Feed The Animals”.  The reason for the signs is that they know that if you feed the animals many (or most) of them can become addicted to the food provided for them “free” and will lose the ability to feed themselves in the wild. 

I am not the only one seeing this happening in our country.

The United States is divided into opposing forces in the quest for the hearts and minds as well as the future of the American people. 

One group feels that American citizens will ultimately be happier, with greater self respect and knowledge of the real  joy of freedom,  if they are independent of the need to have government take care of them and prefer the pride of taking care of themselves with government restricted to the role of providing a National Defense and Public Safety – primarily protection from foreign enemies and domestic criminals – along with Emergency Services plus care for the Biblical “Widows and Orphans”.

The second group, much like the “Street Wise Drug Pushers” seeks to achieve power by first creating and then feeding the addiction of a voter base to government provided “free” programs to provide for their daily needs.  This group, either unwittingly, or under the misguided notion of charity (using other peoples money) seek power for themselves and in the process to build a dependent, addicted class of “clientele” to the governmental “pushers” of  dependency.

This second group will do anything to grow their power by creating a majority voter base.  Either by conversion of existing needy groups or importing new clients for supposedly “free” government services. Their plan is to achieve, maintain and expand a majority voter base to keep them in power and control.  Power and control being this groups own addiction and drug of choice. 

Which group is achieving the greatest number of new voters?

What I see, fear and observe is a greater and greater number of people who are, by choice or self inflicted circumstances, unable to care for themselves and are willing to become slaves to a more and more dominate and corrupt State and Federal Government holding out a false promise of security based on debt and the confiscation, often at gun point, of “other peoples property and money”. 

Government confiscation of personal property, including land for redistribution is happening in South Africa as this is being written.  Is the United States a candidate for something similar?

I am very much afraid that we have already passed the “tipping point” and the majority have become the “glassy eyed” drones of the “pushers” of government dependency.

Makes that cabin in the woods look pretty good.

Bob Bandy

“I predict future happiness for Americans if they can prevent the government from wasting the labors of the people under the pretence of taking care of them.” Thomas Jefferson

Someday Son – All This Will Be Yours

President Ronald Reagan once said: “No government ever voluntarily reduces itself in size.  Government programs, once launched, never disappear.  Actually, a government bureau is the nearest thing to eternal life we’ll ever see on this earth!”

Please don’t view the above picture as some poor souls overflowing storage unit or even my own garage filled to the bursting with the forgotten debris of years past.

Instead, consider it as a visual symbol of one of the many of our Governments programs which have exceeded their “best if used by” date and now resemble something that looks like a science experiment gone bad you find in the back of your refrigerator.

Our government is filled with departments and agencies on steroids which have metasticized past their original intent and charter, have budgets in the Billions and employees in the tens of thousands.

There are dozens of excellent examples of Government Departments and Agencies that began life as a well intended, “We’ve got to do something” pregnant thought in the mind of a bureaucrat. 

One good example of how government programs become bloated, employee heavy, overgrown, self sustaining, ineffective, unnecessary rat holes for tax dollars can be seen in the U.S. Department of Energy. 

Created in 1977 it was originally chartered to make the U.S. independent from the need for foreign oil.  What it has become is a Thirty Two Billion Dollar a year, Ten Thousand plus employee boondoggle. 

What was really needed was an examination of government policies and regulations that was choking the life out of energy producers. 

Forty years and about a Trillion Dollars later the Department of Energy never met its original goal. 

We are now trembling on the verge of becoming energy independent, not because of the Department of Energy but by getting government out of the way of private market energy producers.

Are we hearing any plans to shut down, or downsize of the Department of Energy?  No!

What about the Federal Department of Education?   Ever wonder what it does other than get in the way?  Think a few minutes, you will come up with many other examples.

I have written on similar themes before.  April 4, 2012 – “Bring On The Clowns”.  February 21, 2015 – “Paperwork Reduction”.   And in full disclosure, many of my writings – dare I say “rants” – have tangential themes.

Is there any way  to “de-crapify” our lives without doing permanent psychological damage to our addiction to “stuff” and dependence on inefficient and wasteful government programs?

Seems to me that with a little determination, a yard sale and a couple of trips to the dump with a good sized truck, I could clean up much of my own litter.

Is a more Spartan existence even possible for Government?  

Just something to think about.

Bob Bandy

*picture taken from Facebook – origin unknown

I have often been amused at our tendency as a people to create cultural Icons out of some pretty unsavory individuals.  Black Beard the Pirate, Pancho Villa, Billy The Kid, Bonnie & Clyde and more recently, the Clinton Crime Family.  

Coming to us out of the State of Arkansas, a state of some three million citizens, they have left behind them a trail of abused women, phony cattle and land “deals”, death by “suicide” (Vince Foster – White House Counsel), heart broken interns, perjury, etc. etc.

Remember when Hillary said that she and Bill “Came out of the White House not only dead broke but millions of dollars in debt”.  Her words, not mine.  Ever wonder where all the money came from to turn them into millionaires in just a few short years?

When Port-Au-Prince in Haiti was devastated by a massive 7.0 Earthquake in 1993 over 13 Billion Dollars was pledged to help rebuild the City and surrounding area.  Several Billion of these dollars were “funneled” through the Clinton Foundation to rebuild housing and infrastructure in Port-Au-Prince.  Very little housing was rebuilt and the infrastructure remains a shambles to this day but the money disappeared – “Poof”.

The Clinton Global Initiative is presented as a way to provide aid to Africa for such things as fighting diarrhea and other health problems – a worthy cause.  What little information about the finances of the organization has been made public has shown that less than 10% has gone to actually helping the people of Africa and the rest of the money has been spent on “Administrative” and other costs – translation – funding the Clinton’s lifestyle.  “Poof”.

While Hillary was serving as Secretary of State somehow millions of foreign dollars (Saudi Arabia, Morocco, others) got “donated” to Clinton “Charities” and Bill was paid Hundreds of Thousands of Dollars for twenty minute speeches as he traveled, First Class, around the world in a quest to interview new “Interns” for Hillary’s upcoming, “in the bag” Presidency which was being engineered  by the Democratic National Committee (exit Bernie Sanders) and members of upper management at the (in)Justice Department and Federal Bureau of Investigation with the State Department playing a supportive role in the wings.

Everywhere the Clinton’s have been they have left behind broken lives, ruined careers, lies, deception and a talent for evading justice themselves.  In the process they have convinced millions of gullible voters that they “really care”.  They do care.  About themselves.

In my mind we all must take some blame or credit, you choose, for making “Rock Stars” out of those who destroy the lives of others while enriching themselves.  

Still, it troubles many of us how some individuals can live their lives doing things that most of us would not only have our lives and reputations destroyed for doing, but would also find ourselves confined for long prison sentences, while folks like the Clinton’s and their ilk, are hailed as “Celebrities” and “Folk Hero’s”.  

Bob Bandy –

“Just one out of Hillary’s basket of Deplorable’s” 

JUST TO BE CLEAR.  

I WILL SPELL THIS OUT IN BOLD CAPITAL LETTERS.  

I DO NOT WANT TO BE TAKEN OUT OF CONTEXT OR MISREAD.  

I BELIEVE THAT SLAVERY HAS ALWAYS BEEN WRONG, IS WRONG AND WILL ALWAYS BE WRONG.  

HUMANS WERE NOT MEANT BY THEIR CREATOR TO LIVE IN SLAVERY.  

I ALSO BELIEVE THAT RACISM IN ALL ITS FORMS IS NOT ONLY WRONG BUT IS STUPID AND THOSE WHO PRACTICE IT CHEAT THEMSELVES OUT OF THE RICHNESS OF OUR COLLECTIVE DIVERSITY.  

PERIOD!

Having said the above I am witnessing in our media and on our streets a form of mass hysteria and hate.  It scares me in the sense that I can see it ripping our society apart. I hear and read about “non-negotiable” demands to erase and tear down any relics of real or imagined links to slavery in our nation.  

It seems that anyone with any cultural, racial or historical ties to slavery by any association or relationship in any way, is marked for removal from the annals of  our nations heritage.

The other day it was announced that ESPN removed a Sportscaster from the commentary at a Sporting event because the man, who had an Asian background, shared the same name as a Confederate General.

Let me share something with you.  I have a 60+ year fascination with history.  

But, don’t take my word for it, study for yourself.  When you study you will find that, take a deep breath, slavery in various forms was practiced by: The Carthaginians, the Romans, The Greeks, The Persians (Iranians), The Babylonians, The Chinese, The Mongols, The Huns (Europeans), England, The Vikings, The Russians, Southern Asian Peoples (including India), Egyptians, Middle Eastern and North African Islamic States, Native Americans (North, Central and South America), The People, Tribes and Nations of Central and South Africa.  Also, many Island Nations including Japan. And, I have probably missed naming a few.

Also keep in mind that the horror of slavery is still practiced in parts of the world.

I could be wrong but the only Continent that I am aware of that has no history of slavery in some part or way is Antarctica.  So, if you can firmly establish that all of your ancestors were Native Antarcticans you are stain free. Otherwise, join the rest of us in the cesspool.  

Virtually all of us have a skeleton or two in our closet if we want to dig a little and drag them out.  

If it is decided to eradicate all statues, memorials, hospitals, schools, parks, highways, malls, airports, landmarks etc. etc. etc. with the names of anybody who has any ties in history to slavery, racism, a now despised group or family heirloom associated with such, you are going to be very busy.

Just one example:  Senator Robert Byrd of West Virginia. Besides being a Senator, he was a former Grand Wizard in the Ku Klux Klan.  I have heard an estimate, probably exaggerated, that perhaps half the airports, schools, hospitals, parks, highways etc. in the State of West Virginia are named after him.  You are going to need a lot of shovels, backhoes, “whitewash” and other equipment to eradicate his name and memory from the state.

But not to pick on just the Senator.  Many, most or all of our great leaders, as well as us common folk, have historical skeletons we would probably just as soon not know about. 

Slavery was abolished in the United States more than 150 years ago.  

The stain of racism is still with us and is practiced by people of all colors.  It will be with us until we all learn to love one another, forgive one another and be enriched by one another.  You cannot erase it by law, edict, marching in the streets or hating one another.  Unfortunately, the latter is what I see being practiced in the media and on the streets.  Pity.

Bob Bandy