Sunday, January 20, 2013

America's Poverty Line

I will start by saying,  I understand poverty in America , is not the same as in Africa, or North Korea, or some Middle Eastern countries. However, based on the standards of industrialized nations and education standards, and human rights standards, I will be discussing our poverty level based on the fact we are a world super power and not a third world nation. We are " The United States of America" and we should hold ourselves to the highest standard.

With that said lets use ( http://aspe.hhs.gov/poverty/12poverty.shtml ) as our starting point for what the "Government" sees poverty as, and then compare and contrast that to what  " real poverty terms" are in America based on income levels, and how many Americans are really victims. 

Let's start with a number.  2.87  That is the family size the 2010 Census survey said the households, in America of those with just a High School education. So since we cant have 3/4 of a person lets round up due to it being closer to 3 then it is 2. So we have a house hold with three (3) people here, two adults and one child. According to the Health and Human Services Department of the government, a household of 3 is a balmy... $19,090.  really this is the line. We are going to use as well the line for a family of 5, their poverty line is $27,010.  Now our contrast is what most people would consider to be, middle class  earners for a family of (3),  $48,500.  To show the reality of " REAL TERM POVERTY"  that American's face.

There are a few conditions to take into account. I am not going to calculate any government aid the low income families may be getting ( in real cases) nor will I show examples of cost of living prices in every single state. There will be a difference from the East Coast to West Coast  to the Midwest. I will be using costs in the Midwest, because that's what I know.  Now lets list the basics almost all house holds must have just for survival.
rent/ mortgage................................$900 mo. X 12 = $10,800
electric bill......................................$100 mo. X 12 = $1,200
natural gas......................................$120 mo. X 12 = $1,440
gas for the car................................$160 mo. X 12 = $1,920
groceries........................................$400 mo. X 12 = $4,800
cell phone/home phone......................$80 mo. X 12 = $960
internet/cable.....................................$90 mo. X 12 = $1,080 ...............grand total...= $22,200
car payment (only for middle class families) $295 mo. X 12 = $3,540.............= $25,740

So a family of 3 is in poverty if they earn $19,090 but it takes $22,200 - $25,740 to just cover the basics. This doesn't cover child care, savings, putting away money for Christmas, birthdays, or anniversaries,
 The money here is also what is needed brought home $22,200 to do that, you would need to gross about $26,900..   Anybody that has kids, knows it takes a lot more then a couple $1,000 a year to raise a child, especially when they are school age.  According to these monthly bills I think it save to say that the poverty line for a family of 3 should be closer to $35,000 a year.  American's are told one thing by government officials, most of whom earn well over the income levels of most middle class American's, that poverty is at one level, but so many  10 of millions more live at levels that only allow them to.. work eat sleep, repeat.

Lets talk about " real poverty" levels.                      Good Luck America. 




   

WEEKEND AT THE MOVIES

Well since the big chill has settled into the Midwest, I decided to spend a couple hours in the comfy confines of a warm theater for a couple hours. So while I drank a hot cup of tea this morning, and skimmed through the Sunday morning edition of the Wall Street Journal,  I trolled the start times and found " Silver Linings Playbook"  I have to say, as my wife and I entered the theater we just wanted to hang out and unwind for a bit, and go home. With no expectations of the movie going in, I was surprised to find myself  enjoying the trials  and tribulations of (Bradly Cooper) Pat.    And Jennifer Lawrence was delightful and refreshing.  The cast was a well rounded group, even having high profile actors like Robert De Niro, , Chris Tucker and Julia Stiles, it didn't seem to overwhelm the story line. Which took on a hot topic now in America, mental health issues and how families deal with them. 

So here goes my rating    "Silver Linings Playbook"

Depth of story, story line............................C+
Depth of characters .................................. B+
Overall quality of movie..............................B- 

Sunday, January 13, 2013

WEEKEND AT THE MOVIES

   Well  I went to the matinee today and took in a Sunday morning movie. "Zero Dark Thirty" was on the menu for me. The price for a MJR early bird showing is only $5.00 and this is when I watch all the movies I go to see. I take in a bottle of water, and sometimes a little snack,usually a zip lock bag with some animal crackers, or grapes. On this day however, it was just my water. As I walked into the particular viewing room for my show, I could see I was running late. Already the main previews where wrapping up and the first scene was just beginning. I am a hard person to please with a movie. I expect to be drawn into a drama, and to be convinced by the director and moreover, the actors, to pull me into the story and make me feel as if I'm there at that moment.
   With that being said, I also hold actors and actresses to a high standard in their performance. Embodying, the character, and bringing the live of the story to show threw for a specific character the depth of the story is what makes or breaks a film for me, so getting the right cast is the hardest thing for a director I suppose.

So my opinion of "Zero Dark Thirty" is this. It was a little long for the dialogue riddled, action packless, marathon. The fact that there is a lot of time dedicated to this woman's insubordination through out the movie left me unamused.  The movie was not quite a spy thriller, and not quite an action movie, it had a bit of an identity crisis. Patriotic ... yes it was a spike the football, wave the flag, feel good about what we are doing movie. For that I was happy.

My final grade for depth of story.......... B-
My final grade for depth of characters....C-
My final grade for over all value.............. C+         

Saturday, January 12, 2013

GUN VIOLENCE, A NON -ISSUE IN AMERICA

      The 2010 census report in America revealed there to be 308.7 million people living in the United States. Of these 308.7 million people there are 217,149,127 people age 16 and over. Of these the make up of males between the age of 16 and 50, is 74,609,713. That is 74 million, 609 thousand and 713 males in America, between the age of  16 - 59. As a nation, we are a fairly large, and a diverse population, among the rest of the world, America ranks 3rd of 200 countries. However, the debate we are having here in the United States, over the 2nd amendment, is dividing this nation and stressing relations of brothers against brothers, fathers against sons.
       In Newtown Connecticut, on December, 14th 2012, Adam Lanza shot his own mother to death in her home, then went to the local elementary school with a hand gun and assault rifle, and shot and killed 6 school employees and 20 children. These are the facts and the totality of the destruction.
       According to the 2010 statistics posted by the F.B.I., 8,775 people were killed in the United States by firearms. Of those people killed, 6009 people were killed by handguns (pistols), 358 were killed by rifles.    As Washington descends down upon the 2nd amendment, like a bird to its prey, the lines are being drawn in the sand. Debates are hostile and normal everyday Americans are exhibiting hostility not seen in over 50 years towards one another. Anti-gun, special interest groups have decided to use this incident to position themselves right between Americans and their guns.
       The narrative that is being used by most of these groups, and force fed by the media, is one that so many Americans every year are being killed by guns. The fact that 20 children were killed, in school nonetheless, and two weeks before Christmas, has presented a golden egg for these groups, as well as for a very liberal anti-gun president. Unfortunately, the narrative that is being presented is completely exaggerated and, a knee jerk reaction, as a consequence to a terrible incident that killed 20 kids. As tragic as it all was in Newtown, anti-gun people are attacking assault riffles, particularly, when fact is the rifle jammed on the shooter and was found in the hallway, most of the victims were shot with the .40 cal. hand guns he took into the school with him. This is evidence that the real issue is not going to be addressed, nor do the anti-gun groups or the President have any interest, other than infringing American rights.
       We are in a place where the truth needs to be talked about. Moreover we need to be honest with ourselves and expose the media, and special-interest anti-gun lobbyists, for their intentional, and malicious, deceit towards the American people.

Here are a few looks at statistics, some numbers, that bring all this into perspective:
2010 deaths caused by shotguns .....................................................................373
2010 deaths caused by  knives and other cutting instruments.............................1,704
2010 deaths caused by blunt objects (tire irons, hammers, bats)..........................540
2010 deaths caused by personal weapons (hands, feet and ect.).........................742

2010 deaths caused by riffles (including assault weapons)..................................358 *

These stats are provided by the F.B.I. 2010 crime report. I ask you, why are we allowing the special-interest groups and the anti-gun President to attack the rights of law abiding gun owners? When clearly this is not even the issue? It is however, simply being motivated and moved on a wave of emotion, over 20 children. The government is not wasting a perfectly good tragedy, to maneuver their political agenda squarely in a place to capitalize on the misfortune of  little kids and grieving parents.
 
Wake up America, my fellow Americans, and see the Trojan horse for what it is: A crafty play by a crafty Chicago politician that only looks to divide and destroy the rights of law abiding Americans.

God bless and this is "THE BOTTOM LINE".   

Sunday, December 2, 2012

Congress nominates Secretary of State

Congress is taking a new look  for Secretary of State at, Joseph R. Donovan Jr. he is as well credentialed, for the job as you will find, a life of in the field Foreign relations work all over the globe.. show support email your congressman with this mans name and your support.

Thursday, April 5, 2012

Mind Your Own Business !!

I pledge allegiance to the flag of the United States of America , and to the Republic for which it stands , one nation, under God, indivisible, with Liberty and Justice for all. Everyday before Congress and the Senate, of our nation start work, they stand, face the flag, and put their hand on their chest and recite these words, everyday, as do our Justices.  Nowhere in this great promise does it promise to protect, take into consideration, or adhere to the voice of any other country, other than the United States of America. We are not passing laws or presenting legislation thinking wow!! we need to emulate the catastrophic, mind numbingly stupid policies that for sure, destroy the social fabric of a nation, as those like socialist countries live by. We as a nation have fought the shackles of government tyranny, and the repression of rulers that would wish to deny the citizens their freedoms. I know this is a foreign concept to people in France, Spain , Germany, or any other misfit country that has never felt the exhilarating feeling of telling its ruler to go get bent and kicking his ASS back across the pond.Oh yea the United States is the only living example of that kind of backbone.

    Now my rant is over, look the system you have going over there works for you, we have a believe over here that less government is better. There is a fundamental difference with the role government is expected to play in the lives of its citizenry. I personally ( as do about 60%) of Americans, that the government in this country has over stepped its bounds in the last 10 years. There is a bigger under lying problem in this country more detrimental, then Obama's legislation being overturned.
      The government putting this nation on welfare is killing us.  Currently there is about 165 million people that is in some way shape or form receiving assistance ,out of the 305 million.  There is a plan from the government to slowly and deliberately, promote the separation of class, and furthermore believe that the government has only one play from here on out and that is to control its people through non traditional methods, separating class, destroying food supply.

    People should watch us, question and discuss what is developing in the halls of Justice in our country, from a- far, and keep your comments to yourself. The public condemnation of how we conduct our own personal business in house could lead to future refusal of bailing someone out of invasion or hostile take over in the future.

Saturday, November 5, 2011

CALGON, TAKE MY DEBT AWAY !!!!!

If you want some relief, to sleep better at night, to not live pay check to pay check, listen to what I have to say and you will sleep better at night.

I will attempt to make this strategy as universal as possible. There will be some assumptions and I will generalize taking into consideration national averages, and "norms" of most citizens of this country in general. I speak of only things that I know to work from personal experience, and have been at the bottom of the system, with a recorded "credit rating' of less then 525, and with a score that low, you can't borrow a plug nickle. By the way this was during the late 90's and early 2000's, when the economy was humming along fine. Now it's around 740.
  1st--- , if you are a single mother, and you are not getting any money from your babies father, get a lawyer and take him to court for child support. There is no reason for fathers to not be paying their responsibility, it isn't mine child, or Steve's, or Paul's, or Marques es, so make the father pay.

2nd ---, if you have school loans outstanding, I suggest you call the debt collector agency that has bought the debt from the school, and ask them if (eg. you owe $4000, and your next tax return averages $1800, $2500) call and, without discussing your potential future tax amount, ask them if you make a lump sum payment for $2500, $3000 will they except the pay off. If they agree send them a money order or certified check but make sure they will send you a letter stating, this agreement pays off in full your balance. THIS IS VERY IMPORTANT!!! make sure they agree to this and send you a letter stating so.
   This will be a process it will take you years to fix your credit and pay off all your debt. I have only my home that I owe money to, you can make this work you need patience and the desire. One other thing that needs to be established is a little emergency fund of about $750 to $1000.  You are going to need stop using any and all credit cards.  If you have a lease car, go talk to the dealer and find out how much it will cost to get out of your lease early. If you can't due to high fees let it end and, NEVER EVER, EVER, NEVER !! lease another car again.

  These 3 or 4 things are a necessity to help stop the bleeding of further debt, and gives you some idea of the self control it's going to take to go the distance in paying off all the big debt. We will talk some more next week about some of the inner workings of setting up a pay down schedule.
 Good luck with your march to freedom.

If you've never had nothing, You'll never have nothing.

Is there a correlation between personal property rights throughout history, and the level and contagion of poverty today? If you have never had nothing, can you learn to ever have anything? When a society or group of people have been denied a culture, and then are afforded those rights, is the culture shock to much to overcome? These are just a few questions I pose to you in this article -  to better understand and try to come to terms with, why such the disparage in social success.
     It has occured to me that by introducing a new set of boundaries and social parameters abruptly, hundreds of years of social and cultural oppression couldn't be turned like a light switch. Caste systems are in every level of society in every culture, we can identify them even in modern history as well as present history. These systems have led to many generations being denied the learning experience of personal property rights. Not being able to vote, to attend school, to collect and save income, to have purchasing power that would require an individual to enter into a contract. All of these things teach personal responsibility to the social contract, by not having an opportunity to make and pass on these civil characteristics through the generations leads to a deficiency in the ability to comprehend the necessity immediately. Furthermore when a large populations of society are concentrated in one local, these types of issues with not being able to abide, conform to the prevalent cultural ways, shows up as mass poverty.
My example is going to be almost every major inner city in this country. The reason I believe this to be is based on the obvious. Like minded people flock together, whether it be social acceptance, or economic persuasion, there is a migratory pattern to their settlements. Detroit, Cleveland, Oakland, Houston, Los Angeles, Jacksonville, Miami, New Orleans, Raleigh, the list goes on and on and on. There is a level of poverty in all of these places that has the same symptoms.
   1- there is very low home ownerships rates, even before 2008, now fewer. 
   2 - There are high levels of unemployment, these levels are higher now the before 2008, 
   3 - there are high levels of drop outs, Detroit alone has only a graduation rate of around 25 -30 %. the people are uneducated. 
   4 - There is virtually no reinvesting in self, financially, meaning no IRA accounts, savings accounts, or stock purchase accounts, which denies the "furthering the flock" mentality.
Simply being behind in these four ares will almost certainly guarantee a persons' failure in America, in other nations... it will.
   We as a society tend to look at those that can't support or provide for themselves as the weak link in the group. In smaller social settings the community will attempt to carry the load and give assistance, it is found in rural small town atmospheres, where programs aren't mandated as often by governments, it's private entities stepping up and filling the role. Maybe the burden is so slight this is acceptable to the group as a whole.  However when you look at big cities like the ones I mentioned earlier, the size of the city reflects the size of the need. Those cities have such a large group of people that are not contributing that the group of succeeders separates itself and isolates the weak and refuses to carry the load, thereby causing government to take forcefully, (through taxes) and give to the poor.
My conclusion is that, if you have never had anything, it is hard to every have something. If you are not being taught how to aquire, you can't have. If you don't understand the meaning of self preservasion, you can't help your offspring. These subtle survival skills come with personal property right, being denied one, denies both.

Tuesday, October 25, 2011

"Sharia Law, Against Gods Law"

We will start by preferencing this whole article, that you believe in a "God", the God. With the understanding that the one true God that we are speaking of, is indeed, the God of reference in the Bible. The God, that is mentioned when credit to creation, and live on this earth is given. This will be the "God" I will be referring to when ever I mention "God".

We have witnessed on T.V. and through the Internet, and newspaper, the undoing of a long lived tyrant in Libya. Muammer Gaddafi has been captured, and killed, and the liberated peoples of Libya now have another fight on their hands. After battling for decades, to gain freedom, and a life of  prosperity, and a future that had been denied them under Muammar Gaddafi and his regime. Libyans are being manipulated into another tyrannical system of suppression and oppression, Under the rule of "Sharia Law" the people of this country, whom have been denied reasonable opportunities by past governments, to prosper and have the possibilities of a full filled life given to them, will be once again denied those same "GOD" given rights. Sharia Law is "anti" women's right, under these oppressive doctrine, women would be set back 50 years in Libya. One example, is the injustice in the (Family Law) portion of Sharia Law. There are areas of life that this form of law will, I suppose bring order to an otherwise lawless land, however the invitation of civil rights abuse, and the breeding of discrimination, and imbalance of power, to be given to a religious group, is a recipe for future degradation. Afghanistan , is a perfect example, as is Saudi Arabia, were human right take a back seat to Allah's Law. My hope for the struggling people of Libya is that some of the young modern thinking minds that are hungry for a sustainable future for their nation, moves to be more exclusive of this obvious counter productive, divisive, model of  governing. My belief is that God loves us, and through his love, wants us to love one another, this however is not what Sharia Law wants for us whether we are in Libya, London, Luxembourg or Los Angeles.

There are plenty of people that will want to argue, say Sharia Law is the way God wants man to live, and tries to put man closer to God. I would argue that just watch in society and see how people interact with one another, and see if people respond to acts of kindness and aid and compassion, or do people respond to restriction rigorous rules and penalties , and extreme punishment, with little compassion for one another.  You decide which law you would like to life under the next time ,in a town near you, a few, start pressing local leaders to implement Sharia Law.

http://www.danielpipes.org/1595/islamic-law-rules-in-iraq
http://www.crf-usa.org/america-responds-to-terrorism/the-origins-of-islamic-law.html

Here are are a couple other articles, for further reading enjoy. Remember love comes from the heart, not the end of a sword.