17 December 2008

Bush says sacrificed free-market principles to save economy

US President George W. Bush said in an interview Tuesday he was, "forced to sacrifice free market principles to save the economy from collapse".
That is the dumbest thing I have ever heard in my life. We are going to implement socialism to save free market principles. That borders on absolutes stupidity and shows just how much most Republicans have sacrificed their Conservative principals.
Conservative Republicans who were in charge of Congress during the Clinton years put party politics aside and worked with the Administration to eliminate the Federal Deficit, it's been the only time in recent history that we actually had surpluses every year from our government.
Bush, along with his Liberal Republicans in congress have taken the last 4 years of ROCK solid growth and turned it into more deficits, more government spending and more complete and utter disregard for the Conservative principals that are the foundation of the Republican party. This is the main reason why McCain didn't win, because he just like Bush is a wishy washy conservative that doesn't really believe in conservative principals. It's the reason he wasn't against this whole bailout and the Keynesian theology surrounding it.

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15 December 2008

Americans Watch the Auto Industry in Disgust

Like most Americans, I'm disgusted by what's going on with our Government and Big Business. First we give a massive bailout to those fat cats on wall street as they bitch and moan about not getting their Multi Million dollar bonuses. Like a Cancer that's been given a new lifeline, these companies are out there fleecing consumers, corporations and government alike, because they've been deemed "Too Big to Fail". Stupidity and short sightedness are now being actively rewarded by our federal government and by proxy by all of us. I remember several years ago when a friend of mine in the Mortgage business told me that there were new products available to where he could give an investor, mind you not a person who was going to live in the home, but an investor a loan for 100% financing, and to top it off, they only needed a 580 credit score! Who's the Rocket scientist that allowed that program to come to the market? It didn't take a brain surgeon to figure out that maybe, just maybe these were very, very bad investments of company money. They didn't care though, the corrupt Sallie Mae and Freddie Mac, with their Government cohorts were buying, and they were buying everything and anything.

Now we have the Big Three. Keep in mind that your average Joe line worker in GM gets 3X what the average Joe everywhere else makes in Salaries and Benefits. They claim that hey, they've made concessions, the new guys being hired today are hired at just 14 bucks an hour, AS IF THEY'RE HIRING!!! Those are not concessions, it's passing the buck to the next generation. Let's put this all in perspective. What if your neighbor down the street made 3X your salary and to top it off his boss made 1000X your salary. All of a sudden his boss finds that he can't pay him anymore so his boss comes to your house and asks you (who makes 1000X less than him and 3X less than his employees) to bail them out. How would you feel.

That my friends is exactly what is happening now with the Automakers. The big bosses are flying around in Corporate jets, which in case you didn't know, cost around $1400 to $8,000.00 per hour. The line workers are pulling down twice what most of us are and get about as much in benefits as most of us make. But WE are the ones who have to bail THEM out? Why?

I spent last night discussing with my wife that we're going to have to cut back on my son's ABA therapy for autism, because we simply can't afford the $800.00 a month cost anymore and we're supposed to help them out? Most of us are having hard times right now and most of us are doing what we can to mitigate those circumstances, without resorting to some sort of government bailout so why should we give them one? Let them do what Sears, K-Mart, Delta Air lines and so many other companies have done. File for bankruptcy, re-work your contracts to more favorable terms, cut out the waste and get back to business.


Do they think we're a bunch of Morons, that they're simply going to liquidate all the auto companies and fire 3 Million employees? GIVE ME A BREAK. You know and I know that will never happen. There's WAY too much money to be made in the Auto industry for them to simply give up. Consider this, GM and Toyota both sold about the same number of cars last year, and yet while GM lost over 38 Billion Dollars, Toyota's PROFIT was around 17 Billion. Maybe the government should give them some tickets to Japan to find out how to run their business.

03 November 2008

Obama to Bankrupt the Coal Industry

Recently we heard in the news that the Glaciers in Alaska were growing for the first time in 250 years. Additionally, most of Antarctica is now known to have been cooling for the past 35 years. The news doesn't end there, for the Global Warming enthusiast, there's an entire list of 23 GlaciersSki Resorts were cheering as North America had the largest levels of snowfall since 1966! Around the world that have begun (or have been) expanding, mostly in just the last couple of years. The fact is, most are not tracked or measured so who knows how many of them are really growing. What we do know is that last winter, Let's face it folks, as we've said here before, Global Warming has officially ended.

In light of these latest developments however, what does our fearless "leader to be" think we should do? Bankrupt the Coal Industry!

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Obama's inexperience is once again shining though. Obviously, someone forgot to give him the memo that half of all electricity in the U.S. right now comes from Coal. Additionally, Americans are now breathing a sigh of relief as gas prices have plunged to nearly half the price they were just a few months ago, but of course, without coal those prices would surely skyrocket back up.
The U.S. has some of the cleanest coal operations in the world, this isn't China where they don't bother to filter out harmful particles and where they don't bother to put sulfur scrubbers into place. The United States has the cleanest heavy industries in the world and when we do things, we do them in an environmentally responsible way. Obviously, with the news reports that we've seen so far, the science on this issue is NOT settled and we can't let fear and loathing bring this country to the point of Bankruptcy that will cost massive losses of jobs over something that we don't even know if it exists.

09 October 2008

The Personal Responsibility Act

Watching this administration and Congress trying to deal with the financial crisis is like watching a fireman trying to put out a fire with Gasoline. He keeps spreading it around and destroying everything in sight and wondering why the flames keep spreading!
What's interesting to me is the fact that none of this is new, we've all played this game before. If you strip Fascism of it's hatred and racism, one of the core beliefs of Fascism was a philosophy called "Corporatism". It was a system where profits could be private, but losses were public. It was a system employed by the Nazi's to have a sort of "guiding hand" of the government in all aspects of major corporations and to a lesser extent it was employed by FDR in the "New Deal". What most people don't realize is that while other countries had a depression for a few years, FDR's "New Deal" helped destroy the U.S. economy to the point to where it became not just a depression, but a GREAT depression. The only thing that saved FDR (and our economy) was WWII.

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Let's get to the point, over 99.99% of all companies in the U.S. have in one way or another simply ceased to exist. It happened with Enron, MCI, Numerous Railroads, Auto companies, Computer Companies, Banks, Candlestick Makers, Blubber Producers, Whalers, Semiconductor Manufacturers and many, many, many other institutions. It didn't cause the "ruin" of the U.S. Economy, sure there were some affected and millions have lost their jobs, but for the most part they found jobs in either their own start-ups, others start-ups or other companies.

This notion that somehow if all these banks failed, or if we don't insure deposits over 100K, somehow it would plunge us into another Depression or destroy the economy is absolute BS. Candidates talk about "fairness" all the time, how is it fair to take money out of my pocket, and give it to some fat cat on Wall Street? Or to someone who foolishly left more than 100K in a single bank, knowing full well he was only insured for 100K? This whole mess happened because of Washington
politics and their accomplices on Wall Street and so now middle America has to pay the price? What happened to Personal Responsibility? I guess just like Capitalism, that's simply out of vogue. It's no longer cool to be a "Cowboy",
these days it equates to being arrogant. We here at "NoSocialism" know the answers and it's for people to take responsibility for their own actions, for their own lives and STOP asking government to do more and more and more for us. Here's how I would handle this mess.

The Personal Responsibility Act.

  1. Burn all 60,000 pages of the Tax Code. It's a tax code that was designed specifically to give members of Congress powers to bestow upon special interests in an attempt to keep them in power. Eliminate all taxes, including Social Security, Medicare, Unemployment, Death Taxes, Import Taxes and so forth. Eliminate all Payroll Taxes. The only responsibility that Employers have is to keep their business in business. While providing jobs is a nice side effect, it's not their responsibility to provide for things like Retirement, Health care, Unemployment Insurance and so forth. These are things that should be purchased by employees, and they should be fully aware of the full cost of such benefits.
  2. Replace current revenue with a 10% Sales Tax on ALL Goods and Services except for Cash Transfers (such as Bank Deposits) and a 10% Import tax with ZERO Exemptions. The U.S. Economy is currently running at around 13 Trillion and we import about 1.5 Trillion in goods alone. Current income taxes collect 1.1 Trillion and current Duties (Import Taxes) collect 26 Billion. This new model would collect 1.3 Trillion (assuming zero growth) in Sales taxes and 150 Billion in Import Taxes, almost 6X more than current levels (again assuming zero growth).
  3. Give Employees their FULL pay. Now that the Employer no longer has to pay all these taxes, he should go ahead and give that money directly to the employees. On average an employer spends approximately 10% on Social Security, Medicare and unemployment taxes and an additional 15% on Health Insurance. Your typical family salary is currently around $51,000.00, but once you take out all the Taxes and Social Security, that family only takes home about $39,000.00, not including their share of 401K's and Insurances, which on average reduces it another $3300.00 a year, but let's just keep the Original $39000.00 since not everyone has insurance today. This typical family would now see their take home pay increase to $63,750, a 61% increase without costing the employer a dime. He simply shifted the money he was ALREADY spending on Taxes and Insurance back to the employee.
    Try It. Keep It. Try Gevalia!!Think about this for a moment, what kind of life would your family have if you had a 61% increase in your level of income. All of a sudden, things like Health insurance is affordable. Retirement Savings isn't an issue. Heck you could even get by without the Government paying for your kids lunch!
  4. Double the current Minimum Wage. Now that employers no longer have to comply with a crushing level of government mandates, he can afford to pay his employees more. He should pass on the savings to his employees.
  5. Give Employees a choice, but make retirement mandatory. Now that employees are flush with cash, the only responsibility that Employers now have is to offer an SS401K, (Social Security 401K) where they must put a minimum of 10% of their pay into. In addition, employers need to offer insurance, but all insurance premiums would be fully deducted from the employee's pay, again so he knows the FULL cost of these products.
    Let's cover the SS401K's first. These special SS401K's will be Government certified to only invest into Grade A Commercial Paper, Midcap to Largecap growth companies and Home loans (NOT SubPrime Garbage). Every year employees must update the year they plan to retire, and at least half of their account must be moved out of the stock market no later than 5 years from retirement to reduce exposure to volatility.
  6. Issue Bonds to pay for the current crop of Social Security recipients. Currently, the U.S. will have to pay about 17 Trillion over the next 30 years to the people who are currently enrolled in Social Security and Medicare. The U.S. should monetize this obligation and place it in each tax payers SS401K plan on a pro-rated basis, dependent upon how much they've paid into Social Security so far, in the form of U.S. Interest Bearing Bonds (instead of the non interest bearing type they're currently filling Social Security with). Chile has already set a precedence for this and their average retirees are actually worth more than your average retiree here in the richest country in the world. These bonds will require an additional 5% sales tax, but the good news is that once they're paid off (in about 30 years) that extra 5% drag on the economy will be gone.
  7. Make Employees take responsibility for their Health Care. Pre-existing conditions clauses would be eliminated. Age indexing would be eliminated, all policy holders will pay the same price, regardless of age, sex or condition. While you would think that this would cause rates to rise, in reality it won't because it will balance out with healthy people that currently choose NOT to buy insurance injecting cash into the system. HMO Type policies will also be eliminated because they mask true costs of health care from the general populace, which is why the health care industry is able to get away with increase that are usually 2 or 3X the level of inflation. All employees will have the choice of going with one of 3 policies, a modified Medical Savings Account which has a $5000.00 Cash allotment to be used for medical expenses on a special Credit Card), after which the company pays for all expenses (This would be the closest thing to an HMO, but at least the employee is AWARE of the TRUE cost of services). The second type of policy will be a Catastrophic policy that only pays after a $5000.00 deductible (this will be the cheapest, probably around 2 to $400.00 a month). The third option will be a standard indemnity policy with around a $250.00 deductible and 80/20 coverage, where you file paperwork with the insurance company and they reimburse you 80% of what you paid (usually to 5 or 10K then it covers 100%). All policies will have to cover up to 2 Million. Since Doctors and hospitals will no longer have to hire battalions of Billing Specialist to fight the HMO's for reimbursement, all Doctors that currently take insurance (yeah some don't) will be required to reduce their current prices by 25%. This price control will be in effect for 5 years to give the market time to adjust to the new realities.
  8. All those who chose to ignore the law (such as illegal Immigrants and the self employed who didn't buy policies) will be transferred to special Government run hospitals if they end up needing care, where they can receive Canadian Style wait for years to get treatment service. This way Hospitals can't use the uninsured as an excuse to charge us $100.00 for a Tylenol.
  9. Make Employees take responsibility for Mishaps. Mishaps happen, unemployment happens and so employees will have to take responsibility and buy their own unemployment insurance and Accident insurance. Policies like AFLAC pay a certain amount of CASH for every day that someone is in the hospital so they can pay their bills. Unemployment insurance should be offered by private companies with the risk rating relative to how many times someone has applied for unemployment. As an employer, I was keenly aware of employees who would work the minimum of 6 months to qualify for unemployment, they would then get themselves fired and then applied and "took 3 months off". Then went back to work for the next stooge.
    Employees that show this pattern of behavior should be charged more for their unemployment insurance. Again, people will be required to buy these kinds of policies, but they shouldn't consume any more than about 1 to 3% of their pay. All of These insurance Policies, Retirement accounts and even savings accounts should be offered as a direct deduction to employees, but none of it should be subsidized by the employer. If the employer wishes to subsidize something, they should simply pay the employee more money and let the employee decide what to do with the cash.
  10. Move more responsibility towards the States. Things like Welfare and other social programs should be administered by the States. With their constituents flush with cash, they will see a MASSIVE increase in sales tax revenue. Remember, even though the average person has to pay 15% more for their products (between the 10% sales Tax and the 5% special Assessment for Social Security Bonds) they will still have between 25 to 61% more money to spend. The average family won't be spending any more than about 15% to 25% of their pay on Retirement and Insurance, so that should leave PLENTY of extra cash for buying more stuff. The states can use this revenue to increase their
  11. Reap the rewards. Small Business owners who inherited the business from their parents will no longer have to pay crushing death taxes and sell off parts of the business. With Oil imports permanently costing 10% more than the home grown variety, companies will have more incentives to both drill at home and develop alternatives, such as Wind and Solar. This alone will help to provide Millions of new jobs. The same goes for a variety of other businesses where imports are only marginally lower than the home grown variety. Businesses that relocated to other parts of the world will be flocking back to the U.S. totake advantage of the elimination of the Capital Gains tax. EVERY Multinational Company in the world will relocate their headquarters to the U.S. With 100% of Profits (instead of 65% under the old system) being reinvested in companies, the U.S. will see the most powerful boom in economic activity since the start of WWII, far eclipsing and surpassing any economic boom that we've ever had.
The only reason I feel that this plan will not work, is because it would never be implemented. The current congress would have way too much power to lose if the tax code were eliminated, and special interest groups would no longer have a need for them. Congressmen would lose MILLIONS in donations. The only way something like this would happen is if the people demanded it, and so here's thefirst voice, demanding that we do this.
You Want It, We've Got It

Sorry Guys, I've changed my Comment Engine, if you'd like to post a comment on this article, you can go to an updated version I have here.

02 October 2008

Bailout Strikes the Heart of America with Wooden Arrows

Who the hell are we trying to bail out here? The first draft of the Bailout proposal gave 20% of the profits to ACORN!!? A group known for falsifying election registrations, where they've literally started taking the Phone book and just registering people across the board. I guess it makes sense though, since Obama has called ACORN 'family', so I guess he's just trying to take care of his family.
So now we have the new and improved Senate version that weighs in at 453 pages, we have a whole slew of new bits of pork in it, such as provisions benefiting film and television studios, litigants in the 1989 Exxon Valdez oil spill in Alaska, railroad track maintenance, wool research and
le peice de resistance, toy wooden arrow-makers.

COME ON GUYS!!!! Saving America isn't enough? Does EVERYTHING need to be politicized? This is the reason why the government MUST not get involved in this, they will only screw things up and overspend to the point to where they will destroy the Dollar and make things MUCH worse. When the Dollar goes down we all end up paying more for Oil imports and energy and end up with even higher prices, and less money to spend in the economy. This is a terrible idea and I guarantee you even more pork will be added to this thing before it even comes up for a vote in Congress.

You Want It, We've Got It

How about this congress, give us the 700 Billion, give us a 700 Billion Dollar Tax cut. Cut the Capital Gains tax in half for the next 4 years. THAT would pump REAL money back into the economy, create jobs, get people buying homes again and solve this entire Crisis. There's a reason why Buffet is going around investing in these companies, it's because he knows that the overall fundamentals of our economy are strong. One way or another we will get out of this, just like we've gotten out of every other downturn in the economy that we've been through, without government help.

01 October 2008

The Fix Is In For Palin

The fix is in for Palin. In an age where the media is being judged again and again on a clear bias towards the Democrats and in particular towards Obama, the mediator for Oct. 2nd's debate between Palin and Biden is none other than the author of the book, The Breakthrough: Politics and Race in the Age of Obama By Gwen Ifill. Insane isn't it? A woman who stands to profit from promoting Obama is actually the "Unbiased Mediator" for this debate? You've got to be kidding me!
Palin had an 80 to 90% approval rating before entering the national race. Some of those numbers have dropped, due to the fact that many of her former supporters, are now (and mostly have been) Obama supporters (though they still think she's done a fantastic job as Govornor). Yet most of the media coverage on her has been excruciatingly negative. Compare that to Obama, member of a body that gets an approval rating that is less than 10%! Where are the negative news stories about Obama from the main stream press? Does Palin have Terrorist friends? Does Palin have friends like Rezko who's stolen millions in public money? Does Palin go to a church that promotes racism? No! The big story, she tried to get a Trooper fired who Tazered her 11 year old nephew. Ooohh the corruption. Please!

Is there no one else who is qualified to mediate this debate? Someone with a proven record of being unbiased. Someone without a conflict of Interest? Instead we have a woman (Ms. Ifill) who obviously loves Obama AND has a vested interest in seeing him win! Absolutly incredible, the events of this election never cease to boggle the mind.

Obama's Failed Economic Policies

This video that I found probably explains what's going on in the Housing Market better than practically any other one that I've found and it highlights the type of thinking that Obama has when it comes to economic policies. He wants to use Government as a tool to advance the Middle class, when let's face it. Government has NEVER been able to do anything other than get out of the way to help people get ahead. Sure government is useful to keep people from starving and barely provide a living, but when it comes to really improving our lives all of that is squarely in our hands and there's nothing that government can do to make it better. They CAN however make it worse, by taxing and regulating us to death.
What amazes me is that there are actually polls showing that Obama is benefiting from the Housing implosion, even though most of the evidence points to the Democrats mostly being at fault here. As far back as 2004 the Bush Administration tried and failed to regulate these institutions and the Democrats did everything they could to keep those companies from any regulation. McCain picked up on this and has tried again and again in 2005, 2006 and 2007 to regulate these entities but was stopped by the Democrats every time.

One of the primary points of the video is that the CRA is what caused this whole mess, but in truth probably 80 to 90% of the loans didn't fall under the CRA. However, with that said, it was the lowering of the Standards to Accommodate the CRA that allowed the abuses in the system. People used the whole "No Money Down" mentality to buy homes as investments, especially here in Florida where you could basically buy a home "Pre-Construction" for a lower price, and once it's built turn around and sell it for a higher price. Problem was there were too many investors and in the end not enough homeowners to sell to.
Where was Obama in this? Obama actually sued Citibank for not providing enough of these CRA Loans. In addition during the years when McCain was trying to get regulations passed on these institutions, Obama was silent while raking in the cash.

Want more proof of Obama's failed economic policies utilizing Government as a tool of change? Obama's plan to revitalize Chicago's inner cities with Rezko met with utter failure. Most of the homes they built together are today either boarded up or demolished.
What all of this shows is that the supposed "change" that Obama is talking about is nothing but more of the same. More of the same MASSIVE government institutions, more of the same Socialization of the U.S.A. More of the same Washington Potitics controlling markets. More of the same Tax and spend and then when that runs out you go and tax and spend some more. That's not change, it's more of the same failed economic policies!

30 September 2008

Smoking Gun - Freddie Mac Spared by Democrats

Here it is, the smoking gun we've been looking for. The proof that everyone needs to see the real cause of the Housing Crisis. How Democrats let bad loans spread like a cancer throughout the financial system bringing it to utter ruin. I've already written about how this all started, back in the Clinton Era, but here's just to show you that it wasn't something where no one kn
ew what was going on, and people were clueless. There were willing and able accomplices to keep the scam on America going. Where's the coverage. Where's the spotlights. Where's CNN, ABC, CBS, NBC, MSNBC and their Coverage?
I've seen some of the reviews on this video on YouTube and I
was pretty shocked, there are some saying that Obama knew nothing of this and was clueless. First of all, the video shows his own economic adviser defending Freddie Mac and Fannie Mae. Second, who do you think was first put in charge of finding his VP? Third, Obama was the largest recipient of Political Contributions from these Organizations.

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The Proof is clear. Democrats defended these guys so they could rake in their bonuses, then turn around and kick some cold hard cash back to them. Will anything be done about this? With Democrats in charge of congress I doubt it.
McCain knew about this 3 years ago, he led efforts to try to stop it, but with Democrats in charge of Congress, it was practically impossible. Fox News is the only network doing stories on this. Where is everyone else?

26 September 2008

Broward Teachers Are Asking Too Much

Teachers Are Asking For Too Much

Guest Columnist  
  Last year, while the Teacher contract really wasn’t up for dispute, I went to bat for the Teachers of Broward County Schools. 
 What I posted here a year ago wound up not only as a published Letter To The Editor in the Sun-Sentinel, but likewise as an Editorial produced by the Sentinel Editorial Board as well after their investigation of the information I exposed.
Nice to know that I was ahead of the pack even then. 
This year I say NO.
Don’t be bamboozled by the hype that Broward Teachers are getting no raise this year, or the School Board is offering Zero percent.  Teachers have already received a 3 percent raise as of July 1st.
From the BTU Negotiation news posted July 8th:  “BTU-EP Chief Negotiator Dane Ramson said the requested information (School Board finances) was to help the union’s team identify possible “pots” of money during such difficult economic times. The funds could be utilized for the salary increases of instructional staff.”
“District negotiators flatly rejected the union’s salary increase proposal above the negotiated step movement that took place effective July 1, 2008.”
Don’t swallow the mis-information that Teachers are underpaid.  They aren’t.  Give that a moment to sink in and then read on…
Let me debunk some common myths.
Teachers need to be paid like professionals.  Broward Teachers start at $38,500 while most professionals start at $24,000.  Broward Teachers top out at $72,000 while most professionals top out at $55,000. And with Master’s, PHDs and other certifications, there are many Teachers in Broward making upwards of $92,000.  Hardly slave wages.
Teachers don’t get paid vacations.  Most professionals get two weeks off each year for the salaries they earn. Teachers get thirteen weeks.  Two weeks for winter break, one week for spring break and ten weeks for summer break.  Most professionals get five sick days each year, use them or lose them by December 31st. Teachers not only get ten sick days per year, but they can accumulate unused leave year to year.
Teachers don’t get paid holidays.  Yes they do.  While not defined as holidays in their contact, holidays are defined as days off through school closing. Even though Teachers don’t work on Columbus Day, they still get paid for the day as though it was a regular work day.  Ditto with New Year’s Day.  July 4th, too.  And just how many professionals are required to work on those days for no extra pay?
Teachers work long hours.  Yes they do.  So do most professionals.  60 and 70 hour weeks with weekends are not uncommon in either the professional or teaching world.
As I mentioned, teachers have already received a 3 percent raise as of July 1, negotiated LAST YEAR. 
 But that’s not enough for some, despite the fact that the voters have mandated reductions in cost of government and lower taxes. 
 TEACHERS HAVE GOTTEN THEIR RAISES THIS YEAR DESPITE THE MANDATE, but the union wants more.  Everybody else is suffering in the current economy.  Miami Dade is getting no raise as of this writing, but the BTU wants more.
The issue last year and the year before as a School Board Member was not one of percentages, but of equitable distribtuion.  The Union distribution of raises was and still is a JOKE.  It’s called a step system and MUST be dismantled at all costs. 
 The joke is that Teachers with less than 18 years get next to nothing, while Teachers with 18 years or more get 10, 17 and even 20 percent raises.  And that’s exactly the case with this year’s raises.  Just go to btuonline.com and take a look at the contract salary schedule.  $50, $75, $100 raises.  Not per week.  Per year.  Enough for a tank of gas.  Maybe.
That changed in 2006 with my leadership and again in 2007.  In 2006, Teachers received 6.3 percent ACROSS THE BOARD, not distributed according to the step scale.  Every teacher received a $2,050 raise and in 2007, that raise was $1,725.
The bottom line here is that while Teachers are feeling the pain with rising prices as are the rest of us, they’ve already gotten something that most of us haven’t. Demanding more is just plain piggy.
Me?  Like Will Rogers; “I’m not a member of any organized party.  I’m a Democrat.”
 (Marty Rubinstein is a former Broward County School Board member.  See more of his views on martyrubinstein.com)

23 September 2008

The Root of All Evil

It's interesting to see the candidates trying to bloody each other over who's at fault for this Housing mess. The real root of the Problem is Bill Clinton, the problem however, is that most American's are so short sighted that they can't believe that someone who served so long ago, is still having an impact on our economy. Consider this though, before Bill Clinton's policy changes, if a bank was going to underwrite a loan to you or anyone else, it had to make the vast majority of these loans out to strict policy guidelines set by Freddie Mac and Fannie Mae. Income had to be verified, if there were no W2's there had to be at least 2 years of Tax Returns verifying your income. Credit had to be at least reasonably good and a strong 5 to 10% or better down payment was generally required (depending on Credit). If there was no income verification, and no tax returns, the only way it could be done was with a hefty 25% down payment. The reasons behind this was simple, if the bank could not sell the loan to investors, the bank was stuck with the loan for the life of the loan. Most banks had Community Reinvestment programs where they would allocate possibly 1% of local profits to go to low income families or no doc type loans, but generally these types of loans were very few and far between. Also, if you had a good relationship with the bank, they might do Investment loans for you, since they figured you would sell the home in a fairly short period of time and they would get their cash back. Finally, cities often put together Community Development loans offered to first time home buyers that often required no more than 1 to 3% down and were generally available at reduced interest rates. The vast majority of these "risky" loans though were simply not forwarded to Freddie Mac, Fannie Mae and Investors. They knew that these types of loans would undermine confidence in the system.

Clinton Chages the Game:
The Clinton Administration had a goal of making housing affordable to more people and so they made some very basic and fundamental changes at Freddie Mac and Fannie mae that basically said that these two companies could now start taking these types of "No Doc" loans that would usually only be available with a significant down payment The argument was that there were a lot of people that were self employed as Painters, Tile Setters, and other service professions making decent money, but writing off a lot of their personal expenses as Business expenses. These people could definitely afford to keep up with their mortgage payments even if they didn't have w2's. While that may have been the target audience, the abuses that happened when people thought they could buy homes for the sole purpose of flipping them was an unintended consequence. For nearly a decade after these regulation changes were made, they seemed to be working just as intended, but at some point the abuses started and as Wall Street saw money to be made, they jumped in with both feet into the bandwagon.

The last banking crisis 18 years ago (the Savings and Loan Mess) taught investors that the only S&L's that were saved from the mess were the ones who invested most of their cash in Home Mortgages, so they figured that this time would be the same thing. Unfortunately, they didn't realize that the rules had changed and this was now a different game.
The biggest problems came when the very same institutions that were supposed to be monitored by Congress started becoming some of it's biggest campaign contributors. These guys basically started cooking the books to make sure the Companies hit targets required to trigger their Bonuses. McCain began to blow the wistle on this 2 years ago, but of course no one listened, since they were doling out cold hard cash to practically everyone in Congress that had anything to do with thier oversight. Obama was one of the biggest beneficiaries of this money and he now acts as if McCain is somehow to blame, when McCain is the only one on record trying to stop these guys!

You Want It, We've Got It

There are those who say that the Bible says that Money is the root of all evil, but that's not what it says in the Bible. What it says is that "The Love of money" is the root of all evil. Well this love fest got just a bit out of control didn't it.

21 September 2008

Barrack Obama - The Media Love Fest Continues

I was poking around the Internet when I stumbled across this video by 60 Min. and my jaw nearly dropped to the ground. In an interview with Barrack Obama, 60 min. highlighted the fact that Joe Biden hammered on his lack of experience, Hillary Clinton hammered on his lack of experience and now John McCain is hammering on his lack of experience. 60 min. then went on to say "does the fact that he chose someone as his vice president someone who has less experience than you take that weapon out of his arsenal?"
I couldn't believe what I was hearing!! I had to rewind that several times to make sure I heard it correctly! The interviewer is talking to a man who has done absolutely nothing with his life. Well, other than spend about a Million a day of your money on Pork and his trying to get money for his wife's Hospital (where she received a hefty raise thank you very much). He hasn't run any companies, hasn't run a town a city a state, absolutely zero executive experience and the man is actually suggesting that a sitting governor somehow has less experience than he has!?!

Not only is Sarah Palin a sitting Governor, but in the short time she's been running Alaska, (a state with a population fairly equal to Joe Biden's State) she's cut wasteful spending in Alaska even though the state's awash in Petro Dollars. The type of fiscal conservative needed in Washington. In addition, Palin has eliminated fraud, busted up scams and hasn't been afraid to take anyone on, including members of her own party. What has Obama done? Nothing, absolutely nothing, other than his ethics bill of course. However, let's examine Mr. Obama on Ethics. Did his ethics bill stop him from taking massive amounts of Cash from Freddie Mac and Fannie Mae? Is that why he didn't want to go along with John McCain when McCain called for their reform 2 years ago? Apparently Obama talks about ethics reform, while McCain actually tries to make it happen. McCain's bill was defeated, but apparently he was right.

You Want It, We've Got It

15 September 2008

Woopie Goldberg - A Slave To Her Ignorance

It amazes me that people accept the one sided bias of the media with their usual sheepishness, such as how Michelle Obama goes on to The View with a list of topics she won't discuss, and gets the soft ball treatment from them. McCain on the other hand goes on the view and he gets the Major League treatment, but not only that, gets downright outrageous comments and accusations lobbed at him.

In response to McCain asserting that he would appoint judges that would not "legislate from the bench", in other words make up their own laws and instead stick to interpreting our constitution, Ms. Goldberg asked the question, "Do I have to worry about the return of Slavery". What?!?! Is she
really that dim?

First, let's explore the history of slavery a bit. Slavery was not an institution suffered only by blacks, throughout the history of mankind, many societies such as Greece, the Baghdad Caliphate (Iraq) and Rome were constantly invading their neighbors to fill an unending appetite for slave labor. Just like the spectacle of the Colosseum, with it's "to the death" battles, is no longer considered a civilized event that no civilized society would partake in any longer, slavery as well is a barbaric thing of the past.

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Next, let's go on to the conditions that allowed slavery. In the early days of the Colonies, slavery was allowed by our British masters and so land owners especially in the South utilized these rules as a way to farm their vast land holdings. When the colonies wanted to break away from the rule of England, they needed the South to help out in the effort, so as a compromise, in order to bring everyone together, slavery was basically put off by the constitution for 20 years, to give states time to transition their societies away from slavery, this is what happened in the North where slavery was officially ended without federal intervention in most states. The South however, saw things differently and wanted slavery to continue. Clearly, Democrats were not up to the task of ending slavery and it took
a Republican and the religious right to make it happen. The first Republican president, Abraham Lincoln ended slavery, while the Democrats fought to keep it alive. Ms. Goldberg, why do you think the Civil War happened? There are the revisionist out there that say that it was fought over some other issue, but let's take a look at the facts shall we? Lincoln's major campaign theme was the campaign against the expansion of Slavery, he claimed that Slavery was unconstitutional and that Science had taught us that Blacks were not "Three Fifths" of a person as we were told by the Democrats (it took another Republican law to end Democrat Primaries counting "Negro" votes as Three Fifths a vote too), upon the Republican victory, seven souther states declared their succession and independence from the U.S. After the south attacked the north at Fort Sumter, 4 more slave holding states declared their independence. Any student of history will tell you that Slavery was the ONLY issue that the Civil War was fought over, all other issues were nothing but peripheral instances that could have easily been resolved without a war.

So the short answer is, No Whoopi, you don't have to worry about the return of Slavery, Slavery is unconstitutional. The definition of rights, true rights, basically ends at the beginning of another person's rights. Science has also shown us that people of color are every bit as human as the rest of us and therefore not subject to the Democrats "Three Fifth's" rules where they could be enslaved, deprived of voting rights and so on.

28 August 2008

Why Star Wars Galaxies Online SuX!

I've been playing Star Wars Galaxies on and off for the past 3 years or so. Ever since the Combat Upgrade or "CU" and New Game Experience or "NGE", they've just REALLY fouled up the game. I tend to jump in for a month or two, reminisce about how the game used to be and then cancel my account for another 6 months to a year.
First of all, let me go over what made the game interesting to begin with. For me, I like not only the Combat aspect of games, but also the ability to build things online, so SWG was like a gift from the gaming Gods. It had (and still has) one of the best crafting systems out of practically any MMO out there. Eve Online comes pretty close, but SWG has the ability to create truly unique versions of in game items that Eve doesn't have. By utilizing raw materials with Superior qualities, you could craft components that work in a superior fashion to those made by other less discerning crafters. Therefore, you could truly make a name for yourself in the game as someone who makes superior products. As an example, by utilizing high conductivity metals in crafting certain weapons, their energy output could be markedly improved. So the quest was on for Crafters to get the best materials to work with, and the fighters to find the best crafters to buy from.
In addition, there were mind expanding "Illegal drugs" that could be made in the game by characters who were part chef, part medic that would give the user temporary abilities that made them fighting machines. However, once they wore off, that person would drop and throw up leaving them vulnerable to attack and death. They had to run quick to a Doc to heal the battle wounds and an Entertainer to heal the Battle Fatigue. For this reason, all the cantina's or Bars in all the cities in SWG, were always filled with Entertainers and Medics. While death was easily overcome with a decent clone, it did take it's toll on your goods to where they decayed faster and had to be replaced or repaired to stay in good working order. Keeping your clone up to date made this less of a problem.
What made the game interesting was the unique interdependency's that the game relied upon so that each of the 33 professions had something to contribute to the game. Each was an integral part of a greater machine that made life in the game very interesting and fulfilling.
Additionally, factional warfare was a daily part of life and if you wanted to take part in the Rush that it was to be part of the Galactic Civil War (GCW), then you could Ally yourself with either the Rebel Army or the Imperials and engage in Player VS Player combat at any time and at any place.

Then the Socialist Took Over.

As usual and just like every other game, especially EVE, War is expensive. Swords break, blasters fall apart, armor gets holes in it and people lose things. The ones who complained the most were the ones who simply wanted to jump in, get a good fight then jump out. Those people however, already had a game, it's called Planetside.
Some at Sony started thinking that it wasn't fair that some people actually lost their precious weapons or armor, so they removed decay from the game. Things no longer broke, ruining the economy for the crafters.
Additionally, since those greedy Doctors had to heal battle wounds from those who went out to fight, they removed Battle wounds from the game and simply made it to where people would heal automatically after being away from combat for a few minutes.
To top it off, the game originally had 3 bars for your character's health. Health, Action and Mind or HAM for short. To keep greedy entertainers from making a buck off healing your Battle Fatique on your mind, they basically eliminated the Mind bar, which fits in perfectly with how the new design team at Sony thought about their pllayer base, they thought we didn't have a mind, so why reflect that in the game. Of course this also meant that our drugs would no longer work, since they were Mind Expanding drugs, so those were eliminated from the game, along with the Chefs that used to make them.
Additionally, since the Game Masters figured that us Artisans and Crafters were making too much cash, they simply started giving away all the best stuff on quests that most players could complete on their own.
Now the game is a boring little utopia, where you obviously can't win, because you can't lose either. Anything that you lose in the game is automagically respawned so you never lose anything. I could jump into one of the worst battles in my life and if my wife calls me for dinner, I can just drop everything and go, which makes it very convenient, but at the same time, very boring. You can't ahve an adrenaline rush over the possibility of a loss, when you can't lose anything.
Even participating in PVP is no longer the RUSH that it used to be. While you can still align yourself to the Imperials or Rebels, it's now much easier to be part of either group, while staying out of Combat, so people have to give "consent" to be attacked!! Yes I can see it now:
Imperial - Halt Rebel Scum, or I'll shoot.
Rebel - See ya, ***Climbs on his Swoop Bike and takes off
Imperial - Please Click Accept to Duel
Rebel - Sorry, maybe you can kick my butt some other time
Unfortunately, the Socialists have destroyed the game and most people have left it because of this. Only 2 servers remain popular in the game, Bria and Bloodfin, and even those two don't have anywhere near the populations they used to have before all the changes. You would think that this alone would be enough for Sony to demand their game designers go back to the old system, but in typical Socialist fashion they'd rather have their little group in shared equal Misery then go back to a system were some prospered, some got ripped off, some got hurt and most did OK but everyone had fun.

14 July 2008

Bush Finally Lifting Executive Ban on Offshore Oil Drilling

President Bush will announce today that he is lifting the executive order banning offshore oil drlling.
Unfortunately for us stuck paying $4.00+ per gallon for Gas, Congress still needs to repeal the Moratorium on Offshore Oil drilling as well. Unlikely to happen with the Democrats in Control of Congress. They are still beholden to the Sierra Club and other environmental groups vehemently opposed to offshore oil drilling, even though they can't point to a single instance of an Oil rig destroying a beach or the other nonsense that they spout about environmental damage.

"There is no excuse for delay," the president said in a last month in a Rose Garden statement.

"In the short run, the American economy will continue to rely largely on oil, and that means we need to increase supply here at home," Bush said, adding that there is no more pressing issue for many Americans than gas prices.

Bush's father, concerned about the effects of falling Oil prices on the Mexican Economy, President George H.W. Bush, signed the executive order in 1990 banning offshore drilling.

Experts have gone from saying it would take 10 years to 3 years before we see any oil, once all the Moratoriums are lifted, but only time will tell who will be proven correct. One thing is for sure, if we do nothing, prices will continue to spiral upwards. Doubts on Global Warming, shouldn't stop us from sourcing our Oil from the Middle East to sourcing it from ourselves.

One thing is for sure, unless someone puts pressure on Congressman David Obey to re-open the Appropriations Process, we definitely won't see any progress on this issue.

Maybe now is the time to start a fresh round of Operation Drill Bit, to remind Congress that we're still overpaying for Gas.

WalMart - Of The Morons, By The Morons, For The Morons

I was looking over a few forums the other day when people were talking about how terrible Wal-Mart was. Personally I hadn't shopped there in a while because since Sam Walton died, I've felt that the employees there simply don't care any more so I stopped shopping there. I figured I'd stop by a local 'supercenter' and check out what all the Hubbub was about.
What a mess! I went to a Super Center near me and food in the Grocery section just looked, unappetizing, a lot of the surrounding areas were very dirty. I thought to myself, "No... definitely wouldn't buy any food from this place". So I looked around in Electronics, and saw entire bins of old crappy movies for $5.00, movies that I've long since either rented and thought, OK that was a waste of 2 hours, or simply thought to myself, "I'm not going to waste 2 hours on that". What I found astonishing is that most of the employees that I ran into, didn't speak English (or just barely - or maybe they were just pretending?), and seemed very annoyed with me for even bothering to ask them questions.

I thought OK, they must be selling things here that people
actually want for decent prices, but everything that I saw was either the same price, or maybe 1 or 2% lower than where I normally buy these things. Places that usually keep their stores clean, well stocked and filled with employees that are only too happy to help you. Like Whole Foods, Publix, Ace Hardware, Target, Game Stop and Brandsmart.

So I started thinking, OK, I can see the Morons who work here, people who mostly are unemployable in every other sector of the economy, maybe that's why Wal-Mart's cases of theft have gone up so dramatically.

What about those who shop here? What kind of Moron puts himself through the harrowing experience of shopping at Wal-Mart, then waiting in line for a half hour, just to save a few pennies? So let's say you save 5%. The average shopper spends $50.00, is the $2.50 worth your dignity, and the dignity of those that Wal-mart employs?

I used to work at Home Depot when Home Depot actually cared about their employees. There were no caps on Overtime, there were no caps on Salaries, and we would get a raise every 6 months (at least those of us who deserved a raise for hard work). After about 8 years, the company decided to invest a half billion dollars in the Olympics, and take it out of the employees hides. First to go was the overtime, then the raises were cut back to every year, then they put caps on Salaries. Keep in mind that up until they instituted these changes, the company had double digit increases in sales and more importantly profitability the entire time that I worked there. When the changes started coming through, I was in management, so I wasn't as affected by the changes, but all my best people were leaving. After 2 years of these shenanigans, I cashed in my chips and left. I didn't feel that I could be part of a company that no longer believed their employees were their greatest asset. My wife couldn't believe that I sold my stock in the company after I had seen the incredible rises in value over the previous 10 years. I told her, if the company continues to treat employees this way, short term, they may see a rise in profits, but eventually the company will fall. That was back in January of 1999, and while the stock did continue to go up by about 20% over the next year, by January of 2000, Home Depot Started a decline that led to the stock falling to less than half what I had sold it for. Home Depot has now announced that they will be closing stores. Big difference from the days me and my crew were the "Big Dogs" over there. Sure some of it has to do with the housing crisis, by their decline started, well before the housing slump hit.

I see the same things going on with Wal-Mart. It is a company perpetually in decline since the death of Sam Walton. Their stock peaked in January of 2000, eight years after Sam Walton died and over 8 years ago
and has been in decline since. How many stores have they opened in the past 8 years? Yet, their market share has fallen considerably in the Retail Sector. Wal-Mart is a company running on borrowed time and running on the Ghost of Sam Walton. Sam actually cared about his employees, he didn't have salary caps, he gave them health benefits, he made them feel like they were part of the team, the current management just sees them as just another cost to be controlled, tells them to get Government assistance for Health Care and limits growth in employee earnings with Salary Caps along with a Zero overtime policy.

I find it amusing though, all these websites out there that pushing:

  • We need to regulate Wal-Mart.
  • Chicago won't let them build, because they want Wal-Mart to pay a higher Minimum wage than every other business.
  • People want Wal-Mart to stop using cheap Chinese Labor.
  • People say Wal-Mart destroys their Towns (As if small towns haven't been disappearing for decades)
I'm not for any sort of regulation of Wal-Mart or any government intervention what so ever. All I'm saying is we should do like we did with Sears when they cut out all the full time employees and replaced them with kids that didn't care. Stop going there. that's what drove them into Bankruptcy. Sure at Sears it was easy, because they had high prices, and we figured Wal Mart had better prices AND better service. Well they don't have the better services anymore, but there are plenty of other choices out there that do. Sure you might pay a buck or two more, but isn't that worth the headache of dealing with Wal-Mart's shoddy enterprise? Maybe it's just me, but I've been to at least 5 Wal-Marts around Delray Beach, Florida and found every single one of them to be dirty, unwelcoming, filled with people who don't speak English, and filled with people who don't want to help you. So why go there?

Overall, I feel that Wal-Mart has been good for the economy in that it has greatly helped to keep prices low, but Wal-Mart sacrificed customer service to continue to lower prices, while trying to increase profitably. This one catastrophic decision, has left Wal-Mart losing market share, the only reason their sales are up, is because they continue to open new stores, but their percentage of the overall pie in Retail is slipping. A few more years of this will not be sustainable for them and they'll end up going the way of Sears, until a new contender rises up to over power them with the right combination of Better service and decent prices. There's a reason why Wal-Mart is the only company on Fortunes list of the 20 most profitable companies that doesn't offer all it's employees great pay and benefits. It's because it's a model that is unsustainable. Sure, just like Home Depot, you can have short term gains, but they all eventually come back to haunt you. What's ashame is that Sam Walton left David Glass a perfectly decent company that everyone from Wall Street to Main Street loved, and today it's a company that neither feels very comfortable with.

The greatest thing about Capitalism is that we have choices, and we can choose not to patronize businesses who we don't feel are good for the community, so here's one for all you Wal-Mart Morons out there. Just Say No!

Sources for this story:
Wal-Mart Tries Again to Salvage it's Declining Public Image.
Wal-Mart Chart
Wal-Mart Declining Morals
Wal-Mart Movie

Bush Administration Puts Off Greenhouse Gas Regulation

Now that Global Warming has ended, gas prices have gone insane and Nasa has backtracked on 1998 being the warmest year ever, Bush has decided to leave Climate change to his successor. I think it's a good move considering the direction the economy is going. Bush figures he doesn't want to go down as the President who destroyed the Economy, but boy oh boy, are the Enironuts going to go crazy!

Here's the text:

WASHINGTON (AFP) - Environmentalists are seething after the administration of US President George W. Bush delayed any decision on regulating greenhouse gases, likely leaving any substantive action to his successor.

The Environmental Protection Agency (EPA) issued a 588-page report Friday that cites "the complexity and magnitude" of the issue and calls for 120 days of public comment.

The decision follows a Supreme Court ruling ordering the EPA last year to devise ways to regulate greenhouse gas emissions from motor vehicles under the Clean Air Act.

"The Bush administration's refusal to respond to the Supreme Court and do something about global warming is not just illegal, it is grossly immoral," said Danielle Fugere of Friends of the Earth, an environmental group.

"President Bush's inaction in the face of this crisis is one of the greatest failures of leadership in presidential history," she said in a statement.

The EPA said there were doubts whether "greenhouse gases could be effectively controlled under the Clean Air Act."

EPA Administrator Stephen Johnson wrote that regulating greenhouse gases under any portion of the act "could result in an unprecedented expansion of EPA authority that would have a profound effect on virtually every sector of the economy and touch every household in the land."

David Bookbinder, the climate counsel for the Sierra Club environmental group, said the EPA's decision underscores Johnson's "utter lack of credibility."

"The American public, Congress, world leaders, and even career government officials are counting down the days until this administration leaves town and a new president undoes the damage done by President Bush and makes up for nearly a decade of lost time -- time we didn't have to waste in the first place," Bookbinder said in a statement.

The EPA decision came after Bush agreed during the Group of Eight industrialized nations meeting in Japan this week to cut carbon emissions blamed for global warming by at least half by 2050. It was the strongest language yet signed by the US leader.

The Bush administration has fiercely opposed any imposition of binding emissions limits on the nation's industry and has refused to ratify the Kyoto Protocol on reducing greenhouse gas blamed for global warming. (Though in all honesty Clinton signed it, but never presented it to congress).

But the Supreme Court ruled in April 2007 that the EPA must consider greenhouse gases as pollutants and deal with them.

The ruling came in response to legal action undertaken by Massachusetts and a dozen other states and environmental groups that went to court to determine whether the agency had the authority to regulate greenhouse gases such as carbon dioxide emissions.

Environmentalists have alleged that since Bush came to office in 2001 his administration has ignored and tried to hide looming evidence of global warming and the key role of human activity in climate change.

At a hearing in November 2006, Massachusetts argued that it risked losing more than 4.5 meters (15 feet) of land all along its coastline if the sea level should rise by 30 centimeters (one foot).

But the Bush administration, backed by nine states and several auto manufacturers, urged the court not to intervene, arguing that if the situation was so dire it could not be solved by a simple legal decision.

It further argued that reducing emissions from new US motor vehicles would have only a minor effect on global climate change.

While the court's decision is unlikely to change US policy, it has ramifications on several other ongoing issues, such as the agency's refusal to regulate emissions from electricity plants which produce some 40 percent of US carbon dioxide emissions. Motor vehicles are responsible for just 20 percent.

12 July 2008

Global Warming Has Officially Ended

The Space and Science Research Center Issues A Formal Declaration:

Global Warming Has Ended – The Next Climate Change to A Pronounced Cold Era Has Begun.

In a news conference held in Orlando, Florida, Mr. John L. Casey, Director of the Space and Science Research Center, issued a landmark declaration on climate change.

“After an exhaustive review of a substantial body of climate research, and in conjunction with the obvious and compelling new evidence that exists, it is time that the world community acknowledges that the Earth has begun its next climate change. In an opinion echoed by many scientists around the world, the Space and Science Research Center (SSRC), today declares that the world’s climate warming of the past decades has now come to an end. A new climate era has already started that is bringing predominantly colder global temperatures for many years into the future. In some years this new climate will create dangerously cold weather with significant ill-effects world wide. Global warming is over – a new cold climate has begun.”

According to Mr. Casey, who spoke to print and TV media representatives today, this next cold era is coming about as a result of the reversal of the 206 year cycle of the sun which he independently discovered and announced in May of 2007.

Casey amplified the declaration by adding, “Though the SSRC first announced a prediction of the coming new climate era to the US government and media in early 2007, the formal declaration has been held off pending actual events that validate the previously forecast new cold period. We now have unmistakable signs of accelerating decline in global temperatures and growing glacial ice, coupled with the dramatic if not startling changes in the sun’s surface including unusually low and slow sunspot activity. These signs, in conjunction with the research center’s ‘relational cycle theory ” or “RC Theory” of climate change which predicted these changes, now leaves no doubt that the process has already been initiated. It is also unstoppable. Our world is rapidly cooling. Even though we still may have isolated warm temperature records, the global trend to a colder era is now irreversible.”

As to whether others agree with his declaration, Casey congratulated the many other scientists around the world who had done “many years of outstanding research” which he used to corroborate his own research after he first found these climate-driving solar cycles and formulated the RC Theory. In the news conference he listed and praised more than a dozen other scientists, most in foreign countries, who had come to the same prediction on the Earth’s climate shift to a cold era.

He said, “I have consulted with colleagues world wide who have reached a similar conclusion. They have likewise been attempting to advise their own governments and media of the impending cold era and the difficult times that the extreme cold weather may bring. They are to be commended for their bold public stances and publication of their research which of course has been in direct opposition to past conventional thought on the nature and causes of the last twenty years of global warming. These last one or two decades of increased global warming were essentially the peak heating phase of the 206 year cycle.”

In the one hour presentation, Casey detailed the solar activity cycles that have been driving the Earth’s climate for the past 1,200 years. He condemned the climate change confusion and alarmism which has accompanied seven separate periods over the past 100 years, where scientists and the media flip-flopped on reporting that the Earth was either entering a new ‘ice age’ or headed for a global meltdown where melting glacial ice would swamp the planet’s coastal cities.

Much of the presentation focused on the positive and negative effects the next climate change will have on the State of Florida, the nation and the world.

Some effects of the coming cold climate on NASA’s space program were highlighted including an extended “quiet period’ produced by reduced solar activity. Casey believes this cold climate era will be the best time since the space program began to conduct human spaceflight. Advises Casey, “With the sun going into what I call “solar hibernation,” the harmful effects of solar radiation on astronauts in space will be minimized.”

Regarding the impacts of the next cold climate period on hurricanes, Casey summarized by saying “I would not be surprised to see the lowest number and least intense storms ever recorded in the US during this cold epoch, for obvious reasons. We should not forget however, the buildup along coastlines and an ever increasing population may continue to make Florida’s hurricanes potentially more destructive in the future, regardless of the number we have.”

On the subject of cold climate effects on agriculture, Casey was not optimistic. “I can see,” he added, “just like the last time this 206 year cycle brought cold, that there will be substantial damage to the world’s agricultural systems. This time however we will have eight billion mouths to feed during the worst years around 2031 compared to previously when we had only one billion. Yet even then, many died from the combined effects of bitter cold and lack of food.”

In his concluding remarks, Casey called on all leaders to immediately move from the past global warming planning to prepare for the already started change to a cold climate.

He ended with, “Now that the new cold climate has begun to arrive, we must immediately start the preparation, the adaptation process. At least because of the RC Theory we now have some advance warning. No longer do we need to wonder what the Earth’s next climate changes will be two or three generations out. But we must nonetheless be ready to adjust with our now more predictable solar cycles that are the primary determinants of climate on Earth.”

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