Sunday, July 31, 2016

Keeping Up With the World

This is a link post to what I wrote tonight at my Linked In page.  It is election oriented, so I decided to share it here.  Hope you are able to follow the link and read it.

Elections bring out so much in us... wanting to have a better world, our lives improved, the general status of life increased and protected... 

It is so hard to live through election years...

Somehow, we will survive it !!  And survive whoever gets elected, too.   :-)  


Friday, July 22, 2016

Campaign Issues :: Solutions 2016 :: Welfare
21 JULY 2016 - about 9pm PST

This post is on the Welfare chapter in the Heritage Foundation report called Solutions2016.  The purpose of their report is to encourage reforms in government and in the next election -- it is their way of trying to save America in its financial crises and, I suspect, in the lives of those who fund it.  Below is the statement used in the report to define what Welfare is ::
Today, the federal government operates roughly 80 means-tested welfare programs that provide cash, food, housing, medical care, and social services to poor and lower-income Americans.
There is no description of the programs included in the 80, or what makes them "means-tested" for funding purposes.  Later in the text there is a reference to food stamps and public housing, to cash grants (Called Aid to Families with Dependent Children when I entered the system, and changed to TANF in 1996 I think, when there was a welfare reform event.)  Personally, I don't know all of the aid programs that are available, only the ones I accessed or heard about.  I am aware of General Relief, WIC for pregnant women and their young children, several different housing programs that may even include homeless shelters, and community clinics for those who don't have regular state medical policies or need items not on the approved lists.  These may be some of the programs being referred to, but there is no way to know because nothing is said about them.

I am sure the reference to 80 programs is to say there are too many welfare (entitlement) programs available.  My concern is the details of those programs.  I would want to know the list content... the name and purpose of each "means-tested" program.  It could be they are a variety of programs that meet the needs of very different recipients, from infants to disabled veterans.  It could be one is for eye glasses, another for hearing aids, some for food, several for housing options, etc.  We know that all of the people who are in need are not cared for, so are these programs efforts to do as much as possible for as many as possible, or is a small group benefitting by all of them?  It is an important difference. 

Welfare is an important topic for me because it was the only survival resource we had as a single-parent family over the years.  If you read my blog bio, you will see that I entered the US welfare system in 1975.  I have been associated with it in some way for most of the years since...through a large variety of circumstance, but always trying to find a way out, suffering when I did try, and learning that poverty is a terrible pit that is not easy to escape. 

Solutions for "entitlement programs," in the eyes of conservative Republicans, always seems to be the same one ::  "...these people just need to work!"  (That's my paraphrase of their views, no one actually said that - to my knowledge.)  Work is good, but it isn't always a simple solution.  There are very complicated issues attached to poverty. 

To my knowledge, Welfare programs were started to help struggling families of soldiers who died in WWI or II.  In that time of our country's history, women were often housewives that had never worked outside of the home.  The children in these fatherless households were becoming juvenile delinquents and costing the government a lot more money than the costs of a Welfare program would.  I believe they wanted to help mothers stay home to care for their children as a preventive measure. 

That part of poverty hasn't changed.  Single-parent households are still troublesome.  It is still better to have one loving parent home with their children than to have them raise themselves while their parent works, or grow up in daycare settings.  Naturally, it would be better to have a nuclear family, with father and mother raising their children, but that hardly exists anymore.  As a nation, as a world, we are dealing with the effects of our family structures disintegrating.  Welfare may help people to survive, but it doesn't solve the real problems.

The cash amounts and other related benefits of Welfare have changed over the years, too.  When I entered the system, I think the benefits available were small amounts of cash primarily for housing and utilities and general living requirements, food stamps for groceries, and Medicaid for basic medical needs. 

It is hard to remember all the details now, after so many years, but I know I struggled to make it through every month.  What you may take for granted as normal, poverty households may have to do without.  You may have a washer and dryer, poverty households use a Laundromat, and that costs money, which they sometimes don't have. 

There were no funds for childcare back then.  No transportation (bus passes) help.  I remember there was sometimes a single emergency grant a year.  I believe that was for housing costs if you were being evicted because your money didn't make it that far, or utilities that were in jeopardy of being turned off because you let the bill go too long so you could get food, or school supplies, or clothes, or Christmas or something normal households could afford.  Eventually these "programs" were added to the Welfare formula.  Things like WIC didn't always exist.  Yearly utility programs for the high costs of winter didn't always exist.  It may be these are part of the "80 means-tested programs" that were referred to earlier.

In the early days, you had to report every penny you acquired by any means every month.  They had home visits to make sure you didn't have any saleable assets to provide for your own needs...that you lived where you said you lived...and that no one "extra" was living with you.  Monthly reports were required, signed to allow for fraud proceedings if needed.  If something happened to your report, there was no check to pay rent, which sometimes led to evictions, which led to no house to live in if there wasn't an emergency fund.  It was a difficult life.  Today you are encouraged to make money and don't have to report it until you reach a certain amount... your poverty rate I think.

I didn't mean to get into all this detail, but I hope it gives you some perspective on what the definition of Welfare programs are.  Today, with computers and internet access, receiving benefits from the government means you give them total access to your life, to any information that may exist about you.  You don't have a choice in this requirement if you need to survive with Welfare funds.  They will also have access to information about anyone on your application.

The problems of poverty are not easy to fit into a government form. Women alone often take men into their family's life that shouldn't be there.  Looking for help, for a whole family, for love, for security and safety, women seem to choose men that become financial burdens to them instead of helpers, or they become perpetrators of crimes against them or their children. 

This Heritage report asks for reforms that would not penalize families with a married and committed man and woman who seek help from the government.  I was always a single parent, so I don't really know all of the penalties for couples they are referring to, but I do know that part of the conversation was the difference in grants for single parents and married couples...  it caused some parents to split up so they could receive more Welfare resources to better care for their children.

This report also shares that most of the funding for poverty programs is mostly from federal taxes, and this creates a lack of accountability in State oversight of poverty programs.  Heritage Foundation believes the burdens of Welfare responsibility need to be transferred wholly to the States.  In our current way of doing taxes, this would give the federal government more money to spend elsewhere... the real motive I am sure.

In my mind, taxes are taxes, and there are too many taxes already.  Each government entity wants to raise their taxes or fees, create new ones, make "temporary" taxes that never go away, and continually expand their control of the domain they have.  The realization that the same citizens are paying all of these different taxes seems to elude their attention.  The burden that is crushing the government right now is not Welfare, it is the entire government structure and the way it has failed to consider those citizens by being more careful with the funds they had.  People who are poor have become the easiest target to blame, and a revolving legislature makes it hard to hold anyone in government accountable for the mess we now face.

I think I will end this with some comments on one of the "Facts and Figures" cited at the end of the chapter, as an example of misleading information that you really have to think about before becoming frightened by the "statistics" they share.

Today, the U.S. spends 16 times as much on welfare as it spent in the 1960s -- about four times the amount needed to pull every poor family out of poverty -- yet the federal poverty rate remains nearly unchanged.
I have made bold the main parts of this statement I want you to think about.  There are some variables that aren't defined in this statement, but it gives you the idea that spending has grown while poverty has not.  I tried to understand where this statement came from, and then I thought about population changes from 1960 to the present and I thought about the effects of inflation on the amounts being cited.  The number of programs that are funded might somehow affect Welfare spending, too.

One of the huge problems I noticed in my years of poverty, struggling to find a way to make it meet our daily needs and help us to get away from that kind of life, was the issue of inflation.  The grant amounts never rose to meet the inflation rates, so you got the same amount of dollars, but couldn't buy as much with it... year after year after year.  This is part of the pit of poverty and government programs that try to change its effects.

I was surprised that the poverty rate hasn't changed.  I am not sure how it is computed, but I assume it is a percentage.  If the population increased and the number of households in poverty increased during the same time period, would the poverty rate be the same?

One more point needs to be included here because it refers to food stamps as "one of the largest and fastest growing of the government welfare programs."  This growth in recipients of food stamps is another sign that the economy is in distress... serious financial distress. 

I keep trying to share that housing and food are critical to any interventions we make.  Housing and food will help a family to survive until they can find a way through their crisis.  People can survive without housing, but they cannot survive without food.  Hungry people do desperate things.  It would be a wiser thing for the government to build up the reserves for the food stamp program than to eliminate it. 

Help people to stay in their homes and help them to eat, then find the best solutions for the recovery of their lives.  It may save money in other ways, like public safety costs, court costs, jail costs, prison costs, medical costs, homeless costs, and more.

That is what I have learned in all my years of struggling with poverty and the government.

Tuesday, July 19, 2016

Solutions 2016 :: Social Security
part of Working Together Inc.

19 July 2016
about 6:15 pm PST

It has taken me so long to get here because I wanted to read the chapter on Social Security again, to decide what were the most important things I wanted to blog about.  It's hard to know whether to focus on political jargon, confusing statistics, or budget details that are really just one person's projection (usually to make the numbers larger and more threatening).

I should include a notification that this chapter is important to me because I recently became a recipient of early retirement funds.  I only receive $381 a month because I spent a lot of time at home with my kids, trying other ways to make an income, working erratically at minimum wage jobs, and other factors.  I don't know how Social Security is figured, but it is my ONLY cash income right now, along with less than the maximum amount of food stamps (SNAP) because I receive that income (only $126/month).  Government living is not easy. 

I guess the biggest missing number was some idea of what the GDP amount was.  Many of the figures are compared to GDP levels by a percentage, but who knows what kind of amounts they are talking about, and what is included in the GDP.  An example that is nearby, in my notes, is the projected growth of Social Security from 2015 to 2040, from 4.9% of GDP to 6.2% of GDP.  What kind of money are we talking here?  What will life be like in 2040?

And, my biggest gripe about projections, how do we really know what will happen in the future?  It's like a business plan... it's all on paper, a best guess.  Real life changes everything you plan on paper.  Many people are homeless because their plans didn't work out.  People buy things on credit based on what they make now, then something happens and they can't make the payment.  Projections are assumptions, not reality.  We also have to remember that writers, in creating an argument for their proposals, will manipulate facts and perspectives to only present what makes their view acceptable.  This is why we have to spend so much time trying to find the real Truth.

I would guess that the main concern this report has with Social Security and its related programs, called "entitlement programs" for their purposes, would be the lack of control over them.  Part of the chapter's details revealed to me that these programs are paid first, probably AFTER the interest on the debt, and leave little money right now for anything else that might fit into a legislators bartering toolbox.  As expected, the military, national security, and defense budgets are mentioned as needing funds more than these "entitlement" programs.  I am sure there are other undeclared programs in their minds to fund, but these security programs are the hot buttons for every election... for the Republicans, anyway.

As far as I can tell, these figures break down into several different conglomerations of "entitlement" programs based on Social Security Retirement Benefits, Disability Insurance, Medicare, Obamacare subsidy payments (which I think begin in earnest in 2017), and Medicaid.  Different money amounts mentioned include different parts of those programs.  It is not an easy maze to conquer.

A graph of the projected deficit growth from 2015 to 2024 shows a category called "all other federal budget deficits" over the Retirement program and the Disability program.  Most of these years are when the Boomers enter the system, which is one of the arguments about how the program is set up.  There isn't any way to know what the "other" program deficits are, and the Disability deficits seem to be constant.  It was stated that the Retirement and Disability Funds are not yet "insolvent" but that there is no real cash in them, only government IOU's.  The Boomers and the lack of real investment money in these Funds are part of the reason the deficits are happening.  The bill is coming due now, and the current Congress doesn't want to pay it.

I was rather irritated at the argument on the same page as the graph about interest outlays and non-interest outlays as a focus for the spending cap proposal.  It was suggesting a spending cap on the non-interest related parts of the budget, and specifically saying that no action on the debt interest would be possible.  I suppose I am confused about this, but it seems to me that reducing the debt would be the best way to get rid of a LOT of our financial problems, especially the huge interest payments on it.  I think there is a conflict of interest in this topic. 

Government debt securities are seen as a very safe investment and prized for their repayment value.  At least, they were until some governments started going bankrupt.  If we didn't have our debt, we wouldn't have to pay that interest money to the debt holders.  We could use it for other important programs, like the military, national security, and other defense programs.  Right? 

This report seems to say there is no opportunity to reduce our spending (increase our income) with the debt and any other interest-related budget item.  I don't know what other interest and non-interest items are in the federal budget as no details on these items are really presented.  The only focus is to create a spending cap to "encourage" entitlement reform.

For many years I have considered ways the American People could try to solve this debt problem outside of Congress.  I think we could do it, but the bigger problem is that the government would just overspend again and create another debt crisis.  The interest on the debt is so huge it would pay for many of the programs that make the budget a constant conflict, but those tax dollars are spent on interest payments to China and whoever else owns our debt. 

I think it was when Obama sold the plans for the Hummer/Humvee to China that I decided ONLY Americans should own American debt.  In the years that passed since then, crowd-funding has become big.  I guess my idea was like a national crowd-funding effort to buy back the debt and hold it until the government was able to pay the debt back.  Do you think it would work?  I don't know.  We need to think of something.

The GDP came up again in the section on debt.  I discovered there is a level of debt that is acceptable -- for nations, I think.  The report stated that less than 60% of GDP is acceptable for a debt level, and 2% of GDP is acceptable for deficit levels.  What happens when GDP changes because of conditions beyond its control?  What seems acceptable one year may be a crisis the next.  Living within our means is a better gauge.  Creating income producing programs is a better use of our funds than subsidies for agriculture and housing.  Revolving loan funds are better than loan guarantees.  There are better choices, but something keeps our legislators from making them.  What could that be???

I found it interesting that they want to make Social Security and its related programs into a "real insurance model." I thought it already was...  a low-cost, shared, forced government insurance program.  My view is they need to include all citizens, not just those receiving paychecks... to make it voluntary and devise a payment rate based on when it is collected on.  One of the biggest problems with the system has been the family members that aren't included -- spouses, children, anyone who wants to have an account. 

Creating a government version of Retirement insurance focused on low-income households would change the way we think of government programs, allow more people to pay in, and create both cash benefits and medical care in one program.  If it is well defined, people can build up their accounts like a Health Savings Account, deciding how much they want as a final payment when they start to collect.  It won't be modified by your later income, just a planned income amount paid by the future government at the start of each month.  Medicaid and Medicare would become one part of that insurance plan, again focused on the poor, who are the only ones who really need government help anyway.  Wealthy people can buy other forms of insurance in a free market, but every citizen would be eligible to purchase it as a back-up plan.  The Obamacare focus on forced submission of every citizen is a faulty one.  I hope they will create something more reasonable for poverty households when they repeal Obamacare.

I have also found it interesting that the government wants to raise the minimum age you can begin to collect on your Social Security benefits.  It is going up to 67 by 2027 it says.  With all the expected problems in the job markets because of technology taking over many of them, I think the recent "recession" is a clear indication that the age needs to be 50, not 65, 67, or 70.  The benefit options can change by the age you choose to collect them, but the account holder is the one who needs to make the decision of when they need to start receiving their benefits... not the government.  Every life is different, people need the flexibility to choose how to survive their situations. 

In a crisis economy, business downsizes its labor expense, which often means that the older, more highly paid, employees are let go and replaced with younger, cheaper staff.  In our near future, the jobs for older people may not be as plentiful or as well-paid as they are now.  Technology is swiftly replacing real humans with robotics and other automated tasks.  None of these pay taxes.  Our current economy is still recovering... we are a global financial network now...  there is no way to know what will happen in the future.  The assumptions presented in this report are based on tax revenues that may not exist in ten years.

For me, these kinds of reports are like media presentations and the legislation Washington and other government agencies create.  It is jargon that ordinary people cannot understand.  Sometimes it is purposely so confusing so you will think it is good for everyone but it is really killing the common man it is suppose to help.  Text, statistics, and graphs, look impressive, but when you have the time to really explore them, the story isn't right.
In the larger section about the Disability program, I had a hard time deciphering how the reforms would help people with disabilities survive their everyday existence.  Legislators seem to make thousands of dollars a year in salaries and benefits and operating funds, but someone who has no other alternatives is seen as a burden on the government for needing a reasonable amount for shelter, food, and ordinary living expenses.  The poor, including the disabled, are always attacked when a budget crisis occurs... they are the easiest targets and few know how difficult it can be to live on government "benefits."

In the sections about "flat rate" payments for disabled people, I found it questionable that future recipients would "eventually generate savings in excess of SSDI's shortfalls" and linking this flat rate to anti-poverty benefit amounts and the "poverty level."  To me, that is government-speak for very low living amounts.  I know what low government life can be like.  Depending on where you live, it can be very, very bad. 

This flat-rate payment was also linked to encouraging recipients to purchase supplemental disability insurance.  This is a strange problem in our current government.  We have mandated insurance now.  Low-income recipients of government insurance (Medicaid) can't afford any other insurance.  Their lives are mandated by the limits of the government's insurance policies.  How is someone who is disabled and living on government assistance suppose to spend some of their few dollars on supplemental insurance?

The concept of linking the flat payment to the "poverty level" is also very questionable.  As an applicant to many different government programs over my lifetime, poverty changes every year and with every program.  Then there is the qualifying percentage of the poverty level that applies. This is a vague reference to something people know about, sounds good, and is very deceptive when applied.

It was also interesting how the savings that these proposals would create could be used by recipients to increase their own retirement savings plans and supplemental insurance.  When I hear reports from various sources, most people in America are a paycheck away from ruin.  This gap between those who have lots of money who create plans to make the poor into better citizens is really visible in moments like this.  It is totally unrealistic.

When people are trying to survive, they spend everything, including their credit card balances if they have them, and borrowing from everyone they know when they don't have a credit card.  That leads to its own problems.  The government has done the same thing... it has "MAX'd" out its credit cards, and overspent it income.  Now it is facing its own budget crisis and people who are dependent on its promises, like me, will suffer for what it has done.

Often I hear reports on TV about the state of our economy and they include credit card spending as if it is a worthy part of life, directly responsible for the improving economy.  Credit card spending can also be survival spending.  It doesn't seem like a good measuring tool to me.

Monday, July 18, 2016

Solutions 2016 :: Housing

This is where I have decided to add all my comments about Solutions 2016, Heritage Foundation's report on issues for this election.  This blog post is for the chapter on Housing, pages 49-51.

I am not a government expert, so my comments are from my point of view and based on my limited experience with life and the government.  I read as much as I can, but I don't read a lot of the details of all the bills going through our governmental process, including the Dodd-Frank and some of the other government agencies referred to in this chapter. 

I hear the names Fannie Mae, Freddie Mac, and FHA (Federal Housing Authority) in the news, but they are just another government reference, like the IRS and Homeland Security and the EPA (Environmental Protection Agency).  There is so much government that doesn't seem to directly affect my day-to-day life, I can't keep up with it all.  I suppose I run on the same foundation as all these government offices, "crisis mode."  When I need to know about it, I will search it out. 

This is how so many of our laws, rules, regulations, and restrictions get passed... everyone in the country is trying to survive and doesn't have time to check it all out every single day.  We are left to suffer the consequences.

Groups have formed, like the Heritage Foundation, to try to deal with this time commitment, and they are mostly funded by the wealthy because their profits are tied to these decisions.  They are also trying to survive.  This isn't just a Republican process, the Democrats have their own groups, so do other large interests.  If I had money, I would be doing the same thing.  I think you would, too.

I just want to make sure you know that my opinions are about the issues I see, and this may be a Heritage Foundation document, but it could be any other political publication -- even your daily news, in print or on the TV.  Bias is part of the information process.  We have to try to sift through all this data as best we can... and make our decisions as best we can with that information.

In this chapter of Solutions 2016, there are many references to subsidy applications and government guarantees that bind the tax structure.  We have committed our tax income, or maybe I should say it has been OVER committed, and now Washington is struggling to deal with the consequences of their actions in the past.

I have some of my own opinions about the housing "bubble" we continue to struggle through, but this report says it was caused by government policies that the public sector would not have been involved in.  That may be true, but it was the banks that sold the mortgages.  (I have said elsewhere that I believe someone got the bright idea to sell mortgages like they have sold student loans, but it didn't work the way they thought it would.)  It was the banks that needed to be bailed out... the BIG banks.  A lot of small banks were left to die.

I had to wonder in those days why the banks didn't just work with the homeowners... flex with the crisis... give them more time at the same interest level, or make it better.  Banks had a choice, in my view, to help their homeowners survive their financial struggles so the banks would not have to suffer theirs.  People who had been successfully making their payments suddenly were hit by outrageous interest on their home loans... it didn't have to end in foreclosure, but it did.  Someone profited by this whole crisis... which speaks more to our moral issues than our financial difficulties.

It may have been impossible for the banks to flex with the situation because of regulations about lending, I don't know.  This is one of the things in my "have no idea" files.  I did think that the selling of these loans made the real people in those homes into just a line on a computer printout.  It is easier to force legal rights on people you don't know personally, people who are just a piece of paper.  If they change anything, I think they should change the ability of any financial institution to pass on their loan agreements to anyone.  The ones who make the loans would need to service the loans they make, building their relationship and history with them, and being able to flex when necessary.  I think that would create better decisions and less failure and loss for everyone.

Another issue I see in the conservative viewpoint is with government regulation of business activities, which they seem to think is "intrusion."  If we were all moral individuals and ran our activities in a moral fashion, there wouldn't be a need for laws governing them.  Too much regulation is a hindrance to accomplishing business goals, which includes jobs and profits.  Sometimes these efforts to make the world a better place have a different motivation... to get rid of the competition, to make it easier for them, to control their part of the universe... etc... you get the idea.  In my small efforts to start a business on my own, from a poverty background, I have found the expenses to be very difficult.

When I was living in Hollywood in the early 1980's, some of the people who lived in the neighborhood tried to support themselves by making and selling food to their neighbors.  I imagine that is how they survived in their home countries, and I doubt the health department existed there.  It was wonderful.  I thought it was like the early cart vendors on the corners of busy locations.  They were doing their best to provide for their families in their circumstances.  Not bad people out to poison anyone, just starting from nothing and trying to build a new life.  We have become too regulated when every action to improve one's life is tied to some form of tax income so the government can have a piece of it.

Conservatives hate government housing programs because the people who live in them are just a line on a computer printout.  They have no meaning to them, so they are seen as blights on the taxes they want for their own purposes.  I don't like to live in subsidized housing either... but it is all I have access to at my income level.

I have personally experienced years of housing struggles, with evictions and homelessness, in projects and in programs... they all have their problems and those who benefit by the government's funding to create them.  I call them "planned poverty" because you have to be poor when you sign up, you have to stay poor to qualify when (years later) you finally get contacted, and you have to stay poor (or commit fraud) to keep living in them to remain in the same neighborhood, schools, jobs, and more.  I don't consider subsidized housing to be a good choice for spending tax dollars to "eradicate poverty."

With the tiny home movement, I have been advocating for home ownership for low-income families, homeless individuals and families, and disabled persons.  I have share several of my concepts in other blog posts and at Facebook.  Ownership will bring stability to anyone... and poverty households, especially those with single parents, young children, and those who seem to slip through the cracks of our country's vision for changing the world of poverty, need stability most of all.  It allows them to stay in one place, to have security, to build a life that won't be lost with the next financial crisis.  Tiny homes can be had for a very small investment, and the payments can be made affordable to those who need them.  Using the same 30% of income that subsidies require turns this housing outreach into a profitable investment.

So many options are available, but the government doesn't see them.  All their plans are based on the past models.  I think loans are an election pay-back vehicle, so there may be motives behind these choices.  I really don't know.  Maybe it is too hard to change the way the government works.  I know I had years of failed efforts in trying to do it.

The amounts listed in this chapter are enormous.  One of the ending facts stated that about 5 million people receive housing assistance at an average benefit of $8000 each.  The details are missing so it is hard to judge what the money was spent on. 

In my proposed tiny home biblical loan with a limit of $50,000 over 15 years, the payments would be less than $300 a month... which is affordable for many low-income households, but if there is a financial crisis, the government can flex with it. 

That $8000 expense per person mentioned in the Heritage report would equal over 2 years of homeownership payments, and would be income rather than an expense to the government.  I am guessing that $8000 barely makes one year of subsidized rent payments for the smallest (and usually worst living conditions) apartment in any urban setting. 

In an ownership program, the monthly payments by low-income households would be income for the government.  At the end of the repayment period there would be a small profit for the effort to change a family's life dramatically.  Multiply that small profit by the 5 million participants that go with the $8000 estimate and you have more money to invest in poverty housing. 

This seems like a better idea than budget battles every year to increase tax allocations for poverty housing efforts, with nothing to show for the investment at the end of the year or when a problem rises up to send a family back into the homeless cycle again and again and again....

Subsidies or income, recycled poverty or stability, which do you think are better ideas?

Thursday, July 14, 2016

The Target Boycott

I am up in what I call the "wee hours" -- I suppose that would be after midnight to morning, maybe 5 or 6 am.  Right now it is 4:15am, but I first got up about 1am.  When I can't sleep, I try to get up and get something done so the time isn't totally wasted.  I was about the go back to bed when I read my JULY 2016 letter from the AFA (American Family Association) about the Target Boycott they are promoting.

I have been thinking about these issues for many years, but the bathroom challenge is the worst event so far.  How to preserve the rights of ordinary people seems to be forgotten in the media extortions of the gay community.  Worse, it can be difficult to recognize the most dedicated transgendered or gender-changing people involved in this political battlefield.  It seems acceptable to violate the rights of most of America for the relatively few involved in this "need" for restroom access.  It is an extension of the marriage issue... where men become women and women become men (physically, but not genetically)... so a "man and a woman" can still fulfill the law while violating the principal of it.  We are truly in a pivotal moment in the history of the world.

I tend to see things from a biblical view because my focus is the End Times, where prophecy tells us that things will get difficult.  Many of the parts of our daily life that are healthy for Mankind will get lost, changing our societies.  Many of the battles for our souls will be won by the Enemy.  The rise of the gay community in social and political realms is really evidence that prophecy is true... and that the time for Christians on Earth is nearly over.

What does a boycott against Target achieve?  My letter from the AFA tells me ::

The company's stock has fallen 20% since AFA called for the boycott.  That computes to a loss of roughly $10 billion from the overall shareholder value of the company.  In comparison to other major retailers, Target's stock has dropped 3 to 4 times more than the stock of its competitors.
On both Facebook and Twitter, Target has remained silent on the boycott.  The importance of social media in business and marketing makes Target's silence significant.

Target isn't the only store trying to find its way through this commerce dilemma.  It happened to be the one that got "caught."  I suppose their bull's-eye logo and corporate size helped a little in the choice of who to make the victim of this social and moral and political issue. 

A boycott, by any side of any issue, brings unity to the opposition.  Christians are trying to have their voice heard, and a boycott helps to do that.  The money belt is always the most painful target for any group.  It is why boycotts are waged.

In reading my letter from the AFA, I am reminded again that issues bring in donations.  The gay community does the same thing :: seizing opportunities in the general news media to solicit funds for their cause.  So does Planned Parenthood and National Right to Life.  So does any group. To stay alive an organization has to generate donations/funds somehow.  Issues are the tool that helps them stay alive.  This funding connection always makes me wonder how much of a media event is truth and how much is hype to bring in the dollars. 

My AFA letter has some other very important details in it ::

[Christians are] angry that our own government is using its power to impose a lifestyle and belief system that relegates Christianity to the margins of our society when it should be front and center.
This radical idea that men who 'self-identify' as women should be able to use the restroom, locker room, or fitting room of their choice is ludicrous and defies common sense.  And yet if you dare to speak out you're called a bigot and at risk of being fired from your job. (My note: or sent to "sensitivity training" - but only if you have the Christian viewpoint.)
Moreover, by having a policy that allows this, Target has opened the door for the predators among us to look for the most vulnerable as victims.

The other side of this conversation would make an argument opposite of this, stating their rights are more supreme than the rest of the country.  Both claim to have the truth... and they probably do both have parts of the TRUTH... but the real truth is hidden in the middle of all of this rhetoric.

There are many different kinds of predators looking to take advantage of this "movement" to violate restroom gender in commercial businesses.  The list includes pedophiles and voyeurs, possibly rapists and those involved in child sex trafficking.  There are also earnest men who dress as women and women who dress as men - both of which may need to use a restroom when they go shopping and may not know which one to use.  Ordinary people who want to go shopping and not be afraid to go to the restroom also have rights in this issue.  How do we solve this dilemma?  Who's rights prevail?

This process of lobbying for change is the same for every cause.  Handicapped individuals had problems in our restroom world because few thought about their needs.  As a previously homeless person, I can testify to the problems of homeless populations who need to access a restroom.  What we are dealing with now is more than just access to a restroom, it involves the issue of gender, the need for separation of the genders in personal care activities, the right to privacy, the need for safety when you are vulnerable.  Handicapped persons and homeless persons still used the gender-appropriate group restroom.

Stores are required, I believe, to have a certain number of restroom stalls for the size of their building.  Like the number of parking spots required by the regulating government power, toilets cost money and take up space.  The only possible solution I see to the restroom gender problem is to create individual private restrooms.  And maybe they can (finally) be spread out around the different departments of a large store!
If we must make the change to individual, handicap-accessible restrooms, maybe some kind of tax relief is an option... and the sooner, the better !!

That is my view of the problem.  Christians cannot stop what prophecy has already told us is coming.  What we need to do is to find a way through these coming problems.  I am not advocating total submission... I think the enemy of our souls needs to be battled against, and those who oppose us on moral grounds need to accept our rights as equal to their own.  Solution respect both sides... I think individual handicap-accessible restrooms are our only option at this point.

I hope the remodeling starts today!

Thursday, July 7, 2016

America, Then and Now

I just finished reading the Imprimis issue I received today (May/June 2016), which contains the Commencement Address of Supreme Court Justice Clarence Thomas to the 2016 graduates of Hillsdale College. The title was :: Freedom and Obligation.  I was so impressed with several great sections of the text that I decided to share them here.  I hope you will find them as moving as I did.

Justice Thomas was comparing the America of his youth to the America of today.  The first statement that I noticed is below.  I think it explains the premise of his youth.
"If there was to be independence, self-sufficiency, or freedom, then we first had to understand, accept, and discharge our responsibilities."

Life was very different in those years.  He lived in the South, so his life was even more different than what is considered normal today.  Justice Thomas tries to explain what life was like for his family in those years, despite the hardships of prejudice and discrimination.  Their faith is foundational in that response, in the attitudes that were shared from one generation to another.  This description from another part of the speech might not be the same without the faith that guided their lives.
"They were law-abiding, hardworking, and disciplined.  They discharged their responsibilities to their families and neighbors as best they could.  They taught us that despite unfair treatment, we were to be good citizens and good people."
Another great statement that goes along with the quote above is this one :: 
"Being wronged by others did not justify reciprocal conduct."

More than these thoughts, I found two passages that I felt were exceptional.  I will share them here.  the first is about the purpose behind establishing America ::

"To establish a government based on the consent of the governed, as the Declaration of Independence makes clear, they gave up only that portion of their rights necessary to create a limited government of the kind needed to secure all of their rights."

Justice Thomas goes on to share examples of his life to make his views more understandable, and he challenges the graduates about their future choices and how they will affect others.  We don't know what will happen to us in our lifetime, and we don't always know how deeply our lives affect others.  I liked the way he talked about these "lessons" in life, calling them an "unplanned syllabus," and binding them to the survival of our country...
"These small lessons become the unplanned syllabus for learning citizenship, and your efforts to live them will help to form the fabric of a civil society and a free and prosperous nation where inherent equality and liberty are inviolable."

Your can find the whole speech online at

I have heard it said many times in Christian circles that each generation MUST preserve the faith for it to continue... that we are one generation away from its demise.  This is true of everything important, including our freedoms and our country.

I will end with this quote, about the danger we face in this generation.  I hope you will read the entire speech to discover more.

"Today there is much more focus on our rights and on what we are owed, and much less on our obligations and duties..."

Friday, May 6, 2016

Friday, 6 MAY 2016 :: Checking in and catching up with everything

In this election cycle, how can I not check in to my political topics blog !!  We are in the middle of an election that has never been equaled in history... to my knowledge anyway.  It has everyone wondering what will happen in November... or on the road to November !!

I'm not sure the two party system is the best option for America anymore.  Elections are very costly.  I just heard this year that the primary systems are the product of the parties... and that made me wonder who pays for them !!  We don't really need a primary, we just need a run-off if there is no clear winner... then everyone can keep trying all the way up to election day !!   (Sounds good to me !!)   If taxes are paying for all these elections, we need to reduce their frequency and costs... since we have to vote on Senators every two years, maybe that is enough... everything can be put on hold until the next election.

The debt is the most devastating element of our country's life... and it is affecting every other aspect of our daily operations... we have to reduce the weight of the debt until it is GONE !!

I have been on social service programs most of my adult life, and am no a recipient of early retirement funds... I know how quickly everyone likes to blame the poor, and the poor can never fight back.  There are better ways to reduce the costs of government, including getting rid of subsidies for not growing crops, finding ownership pathways for housing (which turns it into an income source and an investment), use a revolving loan fund for the SBA instead of loan guarantees (which might be a good idea for education, too), invest in more small farms and businesses instead of the large ones... small businesses hire most of the workers we have (from what I have read), and reform the prison systems to create work and repayment programs instead of jail time for theft/robbery-related crimes.

We really need to start thinking differently... looking for things that cost less and work better.

The Bible teaches restitution for theft, which is why it seems more beneficial to create a supervised work program during the payment process and to increase the restitution as additional crimes are committed... the first time would be court costs and actual costs... the second time would be court costs and twice the actual costs, and so on.  If the program is done right, there shouldn't be a repeat because skills will be learned in the process and drug issues that may have caused the thefts can be dealt with as well.  Our prisons produce worse people than what went into them... so jail time is not the best answer.

In the (recent?) recession, I noticed that all the small banks died to "save" the big ones... that wasn't good.  Small banks are more closely tied to their communities.  They are needed to help finance things that big banks won't touch.

I have noticed in the past that big business seems to thrive on government funding of various sorts.  I have always thought that government help needs to be reserved for the truly needy, including the smallest businesses, the smallest farms, and the poorest people.  Big businesses have other options, small businesses and poor people have no one.

My tax proposal is based on sharing the 10% MAXIMUM sales tax among international commitments like the UN (membership fees) and growing global government needs -- 1%, and nationally among federal -- 3%, state -- 3%, and county -- 3% governments.  I also realized that individual products can provide for individual programs, like gas purchases for transportation needs, medical purchases for healthcare needs, etc.  By limiting the taxation to a sales tax, government authorities are forced to budget and their decisions are directly linked with the health of the economy.  I think it would eliminate a lot of the surplus spending and graft that goes on.

I have shared some of these things in other posts, but it seemed like a good time to bring them up again.  If the debt burden causes our economy to tank, in one way or another, there will need to be some budget changes.  It is easy to blame the poor, and take advantage of the seniors and disabled persons, to promote abortion as a remedy, and limit access to healthcare, but I hope that other choices will be made.

Let me know what you think...
In Christ,
Deborah Martin

Friday, February 26, 2016

Friday, 26 FEB 2016 :: GOP debate reactions

I guess I have to enter my two-cents in the conversations about last night's Republican (GOP) debate.  I have to say, I didn't even know there was one until it was already started.  I heard about it on the news program I was watching.  This is strange to me.  I would think that I should have heard about it happening from one or more of the news programs I normally watch each week... usually every weekday, at least.

The stage was down to five contenders... Ben Carson, Ted Cruz, Marco Rubio, Governor Kasich (spelling?), and Donald Trump.  The Democrats are down to two candidates and their debates are more like conversations because there are only two people to watch.  With five on one stage, and a limited time allowed, and topics that sometimes are really media plays for future sound bites, it is hard to discover real truth.  (On either the GOP or the DEM debate stages!)  It begins to look like a lot of repeat performances, with the same statements and tactics to avoid a real answer.

I have complained before that politicians say whatever it takes to get elected and then can't deliver what they promised because government is not a one-man show.  The best a candidate can do is to offer ideas about what they want to see accomplished, the directions they will move in... and maybe how they will proceed.  It is hard to share all that with your political enemies, in your party and in the opposition.  I'm not sure how much anyone would want to reveal in campaigning, but there is an expectation that solutions will be offered.  Voters try to pick the candidate with the best solutions.

I remember Donald Trump claiming that he was a business man, not a politician... that he never wanted to become a politician, that he knew what they were like, that they promised everything and delivered nothing.  I think Trump is becoming a politician now because he has to... the effort to win requires it.  He is beginning to form strategies for the same problems that other candidates are requested to have strategies for.  And I think he is finding out how hard it is to be a politician, someone who wants to hold a national office. 

The main difference between Trump as a business man and Trump as a politician is the same problem we face in every election.  We can't solve real problems until we have the real data that is required to solve them... and that doesn't happen until after someone is elected.  We can say "this might work..." or "that might work..." but we don't really know what we can do until we get there. In politics, it all depends on who else is elected, who owns the House and the Senate, what the budget is like, what is happening in the rest of the world, how many other crises we are fighting, etc.  It doesn't matter how high someone may want to build a wall on the Mexican border, it takes money and time and it won't solve the problem... does anyone remember that they dig tunnels under the fence and come up in parking lots already?  (The wall might have to be as deep as it is high... and still there will be someone willing to dig deeper to achieve their goals.)  Personally, I don't think walls are the answer.

Back to Trump ::  I don't think he even expected to last this long.  In the beginning I thought he was just trying to shake things up, get the topic of immigration out in the media, use his techniques for getting free publicity  :-) , and have some fun.  Now that he has lasted this long, and won in several states, the idea of becoming president is more real to him... and to the GOP.  That has changed the war for the White House.  Trump's views and his methods of presenting them are creating a wall of fear that he might win the GOP slot on the ballot.  The campaigning battles are getting more pointed... like the repeated requests last night from other candidates for Trump to outline his specific plans to solve the problems he complains about, and for less character assassinations from Trump as a way to deflect his lack of them.  :-) 

It was quite an experience watching the maneuvers last night.

I'm not sure what America will do in this election... we are hard-pressed for any ONE candidate that will be the best for our country.  We want the best... we want perfection (in everyone but ourselves)... we want America to be free, and good, and great again.  I don't know that America can ever be that again, or who will be able to carry us through the financial crises that are coming our way (sooner or later). 

The main problem for me is our deficit, our debt.  If we didn't have the enormous debt we have, we would not have to pay most of our tax base in interest payments, China and other countries would not own our debt (and control our decisions because of it), every program we have would not be in jeopardy of ending... If American's rallied to pay this debt off by buying special bonds, it wouldn't solve the problem either -- because the problem is our legislators.  They would just do the same things over and over and get us back to this problem again.  As someone whose survival depended on social programs like food stamps (and welfare cash at one point), and now is connected to Social Security Retirement benefits, the financial health of America is important to me.  Finding the balance between those who are deeply dependent on help from the government and the health of the country's finances is something I have thought about for decades.  It is hard to get past the politics of legislation, the battles between the parties, to the survival of America and its most vulnerable citizens.

I suppose it is hard to realize that the poor and homeless want to find solutions to our budget problems...  we are always seen as the cause of them because we are easy targets, and we can't fight back.

I won't go into some of my personal solutions for our many interwoven crises, which are getting worse as each day passes, but I hope we find someone to lead this country that will be able to deal with the problems of our government without thinking more of the "party" than they do the country.

Friday, February 12, 2016

Friday, 12 FEB 2016 :: Some thoughts about the Democratic debate last night.

Hi...  I made a rather lengthy comment on my Facebook page last night about the Democratic debate I watched yesterday.  I was still recovering with my thoughts when I entered it.  In an effort to refer to it more easily, I want to enter it as a blog post here. 

I am deeply concerned for America as we go through another political cycle to choose a president and other legislators.  I plan to enter more blogs at this site as the election process continues.

I have left it in the same format as it was posted, which is without any breaks in the text!  Enjoy....

Thursday, 11 FEB 2016
I guess I should add a few words about the debate coverage I was able to see... I think the idea of the government raising "revenue" to pay for the programs they want to implement is deceptive. The only revenue the government generates is taxes... and they keep looking for more victims to pay it, more ways to "raise" it... I think I was very struck by the accepted idea that wealthy people have a responsibility to provide all their wealth for the government to use. There is a post by Young Americans for Liberty below this space I am filling right now, and it says :: SOCIALISM....with a photo of the Berlin Wall, I think... barbed wire and fencing that kills, imprisons, and defeats the need for human freedoms. There is a catchy phrase below the title word, but the idea remains that government run countries create prisons of poverty for regular people, while the "leaders" enjoy lives of wealth and excess. I cannot understand why the people of America think this is better. I know what Welfare feels like, what it does to people, how it is a prison without metal bars... and I know the desperate need we have to accept it when it is all there is for us to access. America WAS a great country, but it is in that grey area where all countries go to die...struggling for air, looking for miracles, grasping at legal loopholes and regulations that might keep it alive. Our priorities have changed, ever so slowly, maybe, but they have changed. We are not invincible, but we are still free... maybe we can find a way to stay free, to allow differences of opinions without making laws to force everyone else to change. I suppose I was really amazed at the section I heard about forcing other countries to submit to our power and control. Technology is changing warfare, and it will be used to hurt us. Our military battles will be computerized, and the rest of the world will catch up with us. Anything, ANYTHING, attached to the internet will become a weapon, a target, a tool for destruction. I suppose there already are many crimes we don't know about because they are happening somewhere on the internet and haven't been discovered yet. Who will be able to deal with the changes that technology is bringing with it? How will we recover as a nation? Where will the funding come from. I think it is an indication of our country's healthcare budget when government insurance doesn't include new eyeglasses or basic dental care. I think it is another indication of our country's financial status when Retirement benefits are paid almost two months after the month they are designated for. I think we will see the real state of America's financial situation if we look at the way it is handling it's "saving money" efforts, including legalizing things that cost too much to deal with in the legal systems. Abortion is promoted, euthanasia is promoted, higher ages are suggested or required for receiving program funds, healthcare is mandated so the government can try to control prescription prices, etc.... if you look beyond the obvious, beyond the rhetoric, beyond the public displays, and recognize the diversions of your attention, I think you will find a foundation that is about to crack into pieces. I know I am trying to figure out what happens when your cash is worthless, and the banks lose what you trusted them with, when stocks disintegrate, bonds become bankruptcy, and there is no where else to turn.
I am relatively new to Facebook and still learning how it works.  I think the link below may be to the individual post, but I am not sure.  It was on the page I gathered it from.