The Election is Over: How is that Fair Share Scam Working for You Mr President

How is that Fair Share Scam Working for You Mr President

fair share scamThrough all of the 2008 and 2012 campaign Mr. Obama continuously chanted about how the rich need to pay their “fair share.” Back at the ranch the proof came in that not only did the rich pay their fair share, but that they paid your fair share as well, to the tune of 30% by the one percenters and 60% by the top 10% wealthiest in the nation. In fact the top 53% of US taxpayers pay 100% of the tax revenue. There is no 99%. it doesn’t exist.

But wait, there’s more!

Not only did an Obama report show how the rich pay all the taxes, but the report showed conclusively since Kennedy, that lowering tax rates increases federal revenue. That bears repeating. A Whitehouse report showed that lower taxes brings in more money to the government.

Before you jump to conclusions that Mr. Obama did not see the report, he did. He signed every page of the report, and read it, and went over it with Timmy Geithner.

The Coming Obama Created Economic Depression

No one likes to say it, but the 2008 economic situation was an actual depression. The federal reserve pumped so much money into the economy, that it created a top heavy situation that stopped the very large firms from crashing. That does not mean though, that the rest of the nation was not in a depression. We were and probably still are, if you can find honest numbers on unemployment and business closure.

But, fast forward to 2013. Obamacare and his raising of taxes, even for the 99%, is setting the stage for a knock out punch. A real depression is coming. Thousands of jobs, in a market that has already lost millions of jobs, are prepped to be lost. Some top firms have already pledged to lay off thousands this year.

Couple Obamacare with higher payroll taxes and small firms will be lost. The end result is that, while large firms will feel the pinch on their bottom line and get rid of thousands of jobs, they’ll gobble up smaller firms that flounder. They’ll find themselves in a position  to be able to get into markets that they were never in before, and at a very cheap price, since small firms will be worth pennies on the dollar.

Conspiracies aside, it doesn’t take a genius to figure out that, regardless of intent, Obamacare and his pro-higher-taxes stance will destroy this country.

Is the Income Tax Necessary?

Is the Income Tax Necessary?

Federal Tax Revenue
Federal Tax Revenue

There is an ongoing debate among people who know, that the personal income tax is not needed. It is hard to believe, for the average american to conceive of this. After all, there is the old saying that, there is only 2 sure things in life, death and taxes. But, at the foundation of this country taxes were completely abolished.

For the entire first half of this nation’s existance, there was no federal income tax. In fact, it was unconstitutional. Even after the constitution was amended to include an income tax, only the very very wealthy were taxed. It took 50 more years for that personal income tax to trickle down to be being collected of the middle class.

Now in 2013, under the Obama administration, that tax is now collected from the very very poor as well. We have come full circle, to where the American Revolution started. Everything that the early Americans fought and died for, are now being imposed by our very own government.

But let’s not add emotion into this debate. Let’s look at the facts.

Continue reading Is the Income Tax Necessary?

Congress 90% Tax on Bonuses: Wait Isn’t That Unconstitutional

Congress and the 90% Corporate Bonus Tax

The 2012 U.S. Congress
The 2012 U.S. Congress

A bill of attainder (also known as an act or writ of attainder) is an act of the legislature declaring a person or group of persons guilty of some crime and punishing them without benefit of a trial. Bills of attainder are forbidden by Article I, section 9, clause 3 of the United States Constitution.

What does that mean?  I means that congress is not to target any one group, nor can they punish any one group, without due process of law, i.e. taking them to court and having them go through a trial to reach a verdict for or against them.  Therefore the 90% tax on bonuses is completely unconstitutional. They would have to tax every business in the country, including non-corporations. Yet, in the frenzy of the “get wallstreet” atmosphere, they have gone on the talk circuit to get countrywide support for their bill to tax wallstreet bonuses 90%.

It is a punishment, in its fullest, for the compensation of an agent / employee of the business. They literally are asserting themselves in the middle of the relationship of the employee and the company. Notice that the payroll tax is general and is carried out by both employee and employer, both sides pay the payroll tax, which most people don’t know.  This would insert itself directly to wallstreet corporate agents to make them liable if they receive a bonus of some certain amount.

If they can do it here, that means the entire country is open to be taxed to death.

And, it seems they are headed that way. This year 2013, there is no 0% tax bracket for those making less than $10,000. That is dangerous territory. Who are the people making under $10,000 supporting? They can’t support themselves.

For all the activists for the “poor”, no one has spoken up about this. These activists normally support Obama. Now he has done something squarely against their agenda.

Will they react? Will they come out against him? Doubtful!

Certainly they are not going to go against taxing corporate wallstreet bonuses, which they should. And, they will not come out against taxing the poor.

Hate the Rich, Love the Poor

Hate the Rich, Love the Poor

All this “hate the rich” fanfair is completely stupid.

All this “the poor are angels” is equally stupid.

The so called rich create ALL the jobs.

The obama taxes hit people who create jobs and wind up causing them to have to fire half of their staff.

There is no VIRTUE to being poor.

A lot of people are poor BECAUSE of taxes, directly AND indirectly.

How? all the taxes add up to lower pay if they raise them on you AND – higher taxes means that employers get rid of people because of taxes. you lose your job, while living paycheck to paycheck … HELLO POVERTY.

The enemy is taxes and socialism, NOT the rich.

A rich person, by being rich, has NEVER made you poor or even taken money from you, nor affected you in any way, BUT TAXES HAVE.

Those very jobs you complained about going overseas, IS BECAUSE OF SUBSIDIES PAID BY OBAMA TO SHIP JOBS OVERSEAS. put the blame where it belongs. half of you people must be drinking the cool aid of main stream news. we are paying tax money TO THE COMPANY to ship the jobs overseas.

Finally, if you’ve gotten this far in reading my comment, then the final truth is that 90% of these taxes are UNNECESSARY, they keep a giant government, bloated beyond the scope of what it should be in the first place. who would you rather take care of the poor, you and your church, or some government agency that makes that same family of mom, dad, child get divorced, prove they are poor, move them out of their family home of 3 generations, prove they have no funds in their bank account, including funds for junior’s college education, and THEN give them $300 / month.

Instead of paying taxes, local groups, organizations and individuals would do a much better job of taking care of the poor, homeless, elderly, single moms, families falling on hard times, than any government agency.

Instead of paying taxes TO HAVE JOBS SHIPPED overseas, “in the interest of free trade” yes this is what they claim it is for, we could completely eliminate those taxes form ever being taken in the first place and stop giving it to companies.

Instead of collecting huge amounts, yes millions, from individual people, we could cut all the social programs AND programs that actual hurt the american family AND remove the loop holes.  I guarantee you the rich would love it.

50% of the population is either exempt on taxes, or gets a full refund at tax season.  that means they pay no taxes, because they are poor enough not to have to pay. that means if you actually are in the top 50% you can afford to pay taxes. any sane person would then go to their accountant and tax lawyer and make sure to pay the least amount of taxes.

There is nothing virtuous about paying for a government, that doesn’t represent you, does not care about you, tries their best to take as much money from you, JUST BECAUSE.

Instead of defending the government and fighting about who should pay MORE taxes, you should be fighting for everyone to pay less and less and less taxes, every year.

Mitt Romney on The Corporate People

Mitt Romney on The Corporate People

In an unscripted move that resembles that of Ronald Reagan’s dramatic “I paid for this microphone” moment in a 1980 New Hampshire debate, Romney declared he would refuse to raise taxes. This led to the following quick exchange:

    Liberal Protestor: “Tax corporations!”
    Romney: “Corporations are people, my friend.”

The governor then turned to the audience and asked if they wanted taxes raised, which was greeted with a loud chorus of boos.

Mitt Romney

Before the afternoon was out, NPR was jumping on Romney, running this story from reporter Frank James headlined:

    Romney’s ‘Corporations Are People’ A Gift To Political Foes

The story said that Romney, whom all the world knows made his success in the business world:

gave his Democratic opponents an early Christmas gift by uttering those words. He just made their goal of pushing the narrative that he is a tool of corporate America much easier by providing them with that handy piece of video…. Liz Halloran of NPR was in the crowd at the state fair for Romney’s “corporations are people” line. “Not his best moment,” she tells us.

The story also said:

These words could haunt him all the way to Election Day if he becomes the nominee. They could follow him the way President Obama’s line about rural folks clinging to their guns and religion tagged along behind the Democrat.

NPR’s Corporate Funding

On November 6, 2003, NPR accepted a grant of over $225 million from the estate of the late Joan Kroc. Kroc, of course, was famous as the wife of Ray Kroc — the founder of McDonald’s. Joan Kroc had no independent wealth of her own. History records that she met her future (and already married) husband when he walked into a bar where she was the piano player. They hit it off and the rest, as they might say, was history.

The point, of course, is that Joan Kroc’s ability to leave behind over $235 million for NPR is precisely because of the corporation formally known as McDonald’s Corporation. And sure enough, just as Mitt Romney said, McDonald’s turns out to be filled with people. Specifically:

  • McDonald’s employs 1.7 million people with private sector jobs
  • McDonald’s has 33,000 outlets in 118 countries where those 1.7 million people have those jobs
  • McDonald’s, as described here by the company, provides health care for its employees.
NPR Funding

What does this illustrate?  That quite aside from the issue of government funding, NPR itself exists as the result of corporate funding. Says NPR of how it gets its money:

NPR’s revenue comes primarily from fees paid by

  • our member stations, 
  • contributions from corporate sponsors
  • institutional foundation grants, 
  • gifts from major donors, 
  • and fees paid by users of The Public Radio Satellite System.

And sources like foundations — the Ford Foundation, for example — got their money from the success of corporations. Not Ford Motor Company — no money for Edsel Ford to set up the Ford Foundation.

With 25 million now unemployed precisely as Romney said, NPR, literally on the air by its own admission because it takes corporate money, is now insisting corporations and the jobs they create will be an issue in this campaign.  Giving Romney and any other conservative out there a priceless opportunity to make Obamanomics the central issue of 2012.

If NPR has such a dim view of corporations, will they stop taking corporate money?

Libertarian Response

As an outsider looking in, on the duopoly that is the democrat / republican trick, I have clarity that most do not have, i.e. the ability to see the plans within plans and the motives of the lesser men that make them.  Not to call the author out or anything, but apparently he is trying to bring Mitt Romney back into the spotlight, given Gov. Perry’s usurping of the supposed republican lead, contrary to what the Ron Paul campaign would suggest.

I think everyone is in agreement that a Ron Paul administration would be a bad thing, FOR BOTH DEMOCRATS AND REPUBLICANS. And, it would definitely spell the end of federal funding of NPR to begin with.

However, given that the media and the duopoly butter each others’ bread, it is no wonder they ignore the people, i.e. tea party, Ron Paul supporters, libertarian supporters.  This “minority” is now a majority of the actual voters.

Mitt Romney of course would be a 3rd generation GW Bush administration, right behind GW and Obama himself.  I know the duopoly tries to make GW and Obama look like different people, what with him being half black and all, but all 3 are corporatist and not card carrying members of neither the democrat nor republican party.

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Prohibitive Regulations and Taxes

Prohibitive Regulations and Taxes

I’m an entrepreneur.  I would like to hire just 10 people.  But, I can’t.  I’m not rich, not even close to breaking even … well that’s not true, but I’m JUST breaking even. 

I don’t think lowering taxes goes far enough.  The four letter word “deregulation” is what I need.  The idiots on both sides, like to paint broad strokes and argue over that word.  The truth is, there is a difference from making sure I don’t sell lead chips to children and it’s a far cry from me having to have to provide for inspections, licenses and fees to be able to sell a tie twisty to a full grown man.  No one wants to talk about regulations that keep people like me out of so many industries it’s not even funny.  Regulations that were written by lawyers who’s socks cost more than my operating budget in 2008.

Yes lower taxes on entrepreneurs.  Yes lower taxes on the wealthy and middle class.  Yes to all of that, but for real change, get rid of prohibitive regulation.

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Announcing the Nevada Libertarian Facebook Group

Join the Nevada Libertarian Facebook Group

If you are liberty minded and wish to join Nevada Liberty Group, you do not have to be a paying member of the libertarian party.  Just join us, or ask me to invite you. I welcome any and all people that believe you can speak for your own money and where it should god.  The problem most people do not understand about politics is that we have a two party system that does not allow anyone else in on the party and does not speak for the country, but only for themselves.  They have allowed government to be run as a money making scheme and not a way of protecting the country and its citizens.

Nevada Libertarian Group

If you are already on facebook, join me and friends in the Nevada Libertarian Group, in the discussion and voice your opinions on political matters that are on your mind.  Noone there is a republican, nor a democrat.  No discussion about what the “other party” is doing, since we are not a part of that two party monopoly.  You are the ones that should be in control of government, and not government in control of you.  But, this has been the status quo for at least a hundred years.

Time and again people are told about how the government needs your tax dollars.  The reality is the government doesn’t even use your tax dollars.  Since they have a private bank that can lend them untold sums of money, they simply use the tax issue  to further their two party support.  Ask a republican about taxes and they’ll point at the democrats.  Ask a democrat about taxes and they’ll point at the republicans.  Neither one of them will answer the question of where government gets the trillions of dollars it spends annually.

It is time for a change, so join me for some truth and some discussion on how we can be liberated and our rights restored as Americans.

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How to Get Out of the Economic Depression in America Today

Getting the Government Out of the Picture

Everyone in the belt seems to only listen to people that tells them to keep spending.  Somehow they think that we can spend our way out of this bubble economy.  Of course, that is completely illogical.  You cannot spend your way out of a bubble.  It makes you sense politically, economically or otherwise.  The only way to really turn this economic depression around is to stop spending and make cut backs.

End the Useless Department of Education

There are whole departments in the government that are completely obsolete, irrelevant and unnecessary.  They have names like department of education, IRS and homeland security.  The names seem completely necessary and we’ve been told that not having them and other would mean government collapse.  But, what is not said, is that they were mostly formed in this last generation’s lifetime, not 200 years ago.  Everyone shies away from the phrase spending cuts, because they always fear that the first thing on the chopping block will be some monstrous cut to roads or something equally crippling.  That’s the fear that has been put into the country, but the federal budget can be cut in nearly 1/2 before touching anything even close to necessary to run the government.

For example, a huge portion of the military budget, for instance, is spent on people not in the military at all.  People who have nothing to do with the running of any military actions.  They are simply leeching onto the military spending and bleeding it for all its worth.  However, when it comes to the floor to cut those people out of military spending, they turn it around to look as if the government is trying to cut military spending and not the leeches from the department.  A massive political campaign is started to change the rhetoric to make it look like “military” cuts would mean less troops, instead of less leeches.  Spending in the military alone could be halved and no military action would even be affected, due to this bloated budget for those who serve no purpose but to suck on the teet of American tax payers.

Unemployed Job Fair

With spending back to honest form you have to turn to taxes.  The single most honest way to create jobs via the government is one that rests in the only government’s power to “create” jobs.  Honestly speaking, the government cannot “create” a job.  Not even a single one.  A “job” is something that generates profit for someone that is building capital.  The government does not build capital.  The government gains only tax payer dollars.  They do not generate anything.  So a government job, by definition, is not a true job.  So Obama and friends cannot create jobs by doubling census taker jobs, a temporary fix anyway.  It is all more rhetoric anyway.  Government can only perform one roll when it comes to the job market, hinder more or hinder less in job creation or destruction.  That is to say, the only role government plays in the job market is to get in the way of business to create jobs.

Since the government cannot create jobs of its own accord, and once we understand that their only role in the job market is one of hindering creation, then we have to understand how they hinder it and remove those hindrances, taxes.  The burden of taxation on employers and employees alike is monumental in the hindrance of job creation.  Of course regulation is the 2nd factor, but more prominent is taxation.  So to get out of the way of job creation, the only way to get out of this slump is through:

“a 100% payroll tax holiday for both employers and employees.  Instead of putting money into the economy, [through inflationary quantitative easing ] relieve the burden from employers and employees.  That will generate jobs like nothing else in the history of the US.”

Obama proposed and passed a “payroll tax holiday”, but in actuality it was a 2% reduction in SS collection, all the while income taxes rose, so there was no net gain for anyone except a few wealthier workers.  Most laborers saw a net increase in taxes and less take home pay.  It is this kind of double talk and double dealing, that is killing any honest effort to get the economy going.  This administration is literally bankrupting the country and the middle class, while putting on a show of being for the people.

Illegal Immigration

Many Illegal Aliens are Criminals Fleeing the Law

Finally, on job creation, we must have a massive exodus of illegal immigration.  Advocates for illegal immigration, do so for ulterior motives that are not in the best interest of the country.  Illegal immigration creates a substrata of labor that is even lower than entry level pay.  Illegal immigration undercuts even low paying wages.  You can wrest massive unemployment directly on the shoulders of illegal immigration, and this is very openly documented and researched.  It has become politicized by those same advocates for illegal immigration.  The reality is that state governments are finally seeing through the rhetoric and realizing that their massive segments of the population on unemployment are directly caused by illegal immigrants in their state.  They are taking it upon themselves to finally make a move and upholding the illegal immigration laws and removing the illegal immigrants themselves.

Make no mistake, over 90% of all illegal immigrants are Mexican nationals.  Advocates for illegal immigration always puts the onus on us to sympathize for those illegal immigrants by pointing out the terrible conditions Mexico has.  However, they never put the responsibility on the very illegal aliens themselves, but somehow make us, the US, the responsible party for having a more stable society than Mexico.  The reality is that Mexico probably needs to have a revolution to turn its country around.  But either way, that is not the responsibility of the US government, nor the states, nor its citizens.  That is the responsibility of the Mexican people and the Mexican government.  The Mexican government devalued its own currency on purpose, rendering their own upper middle class, poor, overnight, and rending those under that class into abject poverty.  That has nothing to do with the United States.  And, it should not be thrust upon the shoulders of our citizens and middle class to bear the brunt of a decision made by the Mexican government.

All of this illegal immigration has become so highly politicized that noone dares even mention the true reason for the state Mexico is in right now.  They only talk about how poor people are and what terrible straights the people are in.  They never mention why there is so much poverty.  If the upper middle-class were thrust into poverty overnight, of course the country is going to be thrown into social unrest.  But that is the responsibility of their government and their people have to hold them responsible, not come over here illegally and cast millions of Americans into poverty, while creating a new underclass of citizenry.

FAIR research suggests that “between 40 and 50 percent of wage-loss among low-skilled Americans is due to the immigration of low-skilled workers. Some native workers lose not just wages but their jobs through immigrant competition. An estimated 1,880,000 American workers are displaced from their jobs every year by immigration; the cost for providing welfare and assistance to these Americans is over $15 billion a year.” The National Research Council, part of the National Academy of Sciences, found in 1997 that the average immigrant without a high school education imposes a net fiscal burden on public coffers of $89,000 during the course of his or her lifetime. The average immigrant with only a high school education creates a lifetime fiscal burden of $31,000. [ cite – Center for Immigration Studies report Immigration From Mexico – Assessing the Impact on the United States, subsection Impact of Mexican Immigration on Public Coffers. ]

Many states are now adopting Arizona’s model of immigration policy.  The tax paying people who are now out of a job are clamoring too loudly for them not to listen.  The Obama administration may try to socialize and communize everything and smooth everything over with a veneer of “we’re all in this together”, but the reality is, the unemployed are not in this together.  They are out, and children and wives are starving.  That is a reality, no politics can brush aside.  Those same Mexican illegal aliens also never pay taxes and drain the economy by sending upwards of 70% of their payroll checks back to Mexico, making it the 2nd largest GDP for Mexico.  So not only are Americans losing jobs, they are also being drained of money.

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For Blacks: Unemployment Tax, Why You Get Paid So Little

How Unemployment Tax Works

The Federal Unemployment Tax Act (FUTA), with state unemployment systems, provides for payments of unemployment compensation to workers who have lost their jobs. Most employers pay both a Federal and a state unemployment tax. A list of state unemployment tax agencies, including addresses and phone numbers, is available in Publication 926, Household Employer’s Tax Guide. Only the employer pays FUTA tax; it is not deducted from the employee’s wages. – IRS.gov

Unemployment Tax

The Federal Unemployment Tax Act (or FUTA, 26 U.S.C. ch. 23) is a United States federal law that imposes a federal employer tax used to fund state workforce agencies. Employers report this tax by filing an annual Form 940 with the Internal Revenue Service. In some cases, the employer is required to pay the tax in installments during the tax year.

FUTA covers the costs of administering the unemployment insurance (UI) and job service programs in all states. In addition, FUTA pays one-half of the cost of extended unemployment benefits (during periods of high unemployment) and provides for a fund from which states may borrow, if necessary, to pay benefits.

For years through December 31, 2009, the FUTA imposes a 6.2% tax (before credits) on the first $7,000 of gross earnings of each worker per year. Once the worker’s earnings reach $7,000 during a given year, the employer no longer pays any Federal unemployment tax for that year with respect to that worker. Certain credits are allowed with respect to state unemployment taxes paid that may reduce the effective rate to 0.8%.

The following wages are exempt from Federal Unemployment Tax Act payments.

  • Wages for services performed outside the United States.
  • Wages paid to a deceased employee or a deceased employee’s estate in any year after the year of the employee’s death.
  • Wages paid by a parent to a child under age 21, paid by a child to a parent, or paid by one spouse to the other spouse.
  • Wages paid by a foreign government or international organization.
  • Wages paid by a state or local government or by the United States federal government.
  • Wages paid by a hospital to interns.
  • Wages paid to newspaper carriers under age 18.
  • Wages paid by a school to a student of the school.
  • Wages paid by an organized camp to a student.
  • Wages paid by non-profit organizations.

What This Means to You

Unemployment Tax
So what this is all saying is that out of $7,000 every year, you make 6.25% less.  Let’s add this on to my prior article about payroll tax paid by both you and your employer of 28.8% – Total: 35.05% you are not paid.  Every single year of your life, that you work for someone else, your employer pays into the FUTA insurance instead of paying you.
Are you getting the message that working for someone else, is a losing battle? What’s worse, is that in a state where you have to pay state income tax, all of this is doubled, regardless of what you read by the IRS.  A state can, and most often does, tax the employer for both federal and state unemployment tax purposes.  Which means that 6.25% is now ballooned to 12.5%.  That is 12.5% that you will never see on your paycheck, along with the other taxes that are taken away from before you even get the check.  While we complain about low wages, the true enemy is the federal government.  Our current system robs you directly of your hard earned money, before you even get a chance to see it.  In fact, your salary is reduced before you even get the job.  The employer plays a balancing act of hiring you for and end result wage, versus what he has to pay for you.  That means, instead of paying you $20 or $30 an hour, a cool 40% of that goes the the government, and then you see $12, of which, at the bottom line you might see net minimum wage.  From $20 an hour, you would end up taking home $8 an hour.  You are being robbed by the government daily, and don’t even realize it.
Remember, this is only if you work for someone else, as their employee.  If you own your own business, nearly none of this applies to you.  In fact, it would be wise of you, and your family, to live on ramen noodles and water for 5 years, and save all your money, just so you could go into business for yourselves.  You’re a fool, if after reading this you ignore this and continue working for someone else.  Think of everything you want to accomplish in life.  It is not accomplished by working for someone else, making them wealthy.  The American Dream™ is not accomplished by paycheck to paycheck, it’s done by opening up your own shop and selling, one client at a time.

For Blacks: Payroll Tax, Why You Earn So Little

Payroll Tax Explained in Detail

Payroll tax generally refers to two different kinds of similar taxes. The first kind is a tax that employers are required to withhold from employees’ wages, also known as withholding tax, pay-as-you-earn tax (PAYE), or pay-as-you-go tax (PAYG). The second kind is a tax that is paid from the employer’s own funds and that is directly related to employing a worker, which can consist of a fixed charge or be proportionally linked to an employee’s pay.

Payroll Taxes

In the United States, payroll taxes are assessed by the federal government, all fifty states, the District of Columbia, and numerous cities. These taxes are imposed on employers and employees and on various compensation bases and are collected and paid to the taxing jurisdiction by the employers. Most jurisdictions imposing payroll taxes require reporting quarterly and annually in most cases, and electronic reporting is generally required for all but small employers.

Federal, state, and local withholding taxes are required in those jurisdictions imposing an income tax. Employers having contact with the jurisdiction must withhold the tax from wages paid to their employees in those jurisdictions. Computation of the amount of tax to withhold is performed by the employer based on representations by the employee regarding his/her tax status on IRS Form W-4. Amounts of income tax so withheld must be paid to the taxing jurisdiction, and are available as refundable tax credits to the employees. Income taxes withheld from payroll are not final taxes, merely prepayments. Employees must still file income tax returns and self assess tax, claiming amounts withheld as payments.

Federal social insurance taxes are imposed equally on employers and employees, consisting of a tax of 6.2% of wages up to an annual wage maximum ($106,800 in 2010) plus a tax of 1.45% of total wages. For the year 2011, the employee’s contribution has been temporarily reduced to 4.2%, while the employer’s portion remained at 6.2%. To the extent an employee’s portion of the 6.2% tax exceeded the maximum by reason of multiple employers, the employee is entitled to a refundable tax credit upon filing an income tax return for the year.

Nearly 30% of Your Wage is Taken in Payroll Taxes

Employers must report payroll taxes to the appropriate taxing jurisdiction in the manner each jurisdiction provides. Quarterly reporting of aggregate income tax withholding and Social Security taxes is required in most jurisdictions. Employers must file reports of aggregate unemployment tax quarterly and annually with each applicable state, and annually at the Federal level. Each employer is required to provide each employee an annual report on IRS Form W-2 of wages paid and Federal, state and local taxes withheld, with a copy must to the IRS and many states. These are due by January 31 and February 28 (March 31 if filed electronically), respectively, following the calendar year in which wages are paid. The Form W-2 constitutes proof of payment of tax for the employee.

Employers are required to pay payroll taxes to the taxing jurisdiction under varying rules, in many cases within 1 banking day. Payment of Federal and many state payroll taxes is required to be made by electronic funds transfer if certain dollar thresholds are met, or by deposit with a bank for the benefit of the taxing jurisdiction.

Failure to timely and properly pay federal payroll taxes results in an automatic penalty of 2% to 10%.  Similar state and local penalties apply. Failure to properly file monthly or quarterly returns may result in additional penalties. Failure to file Forms W-2 results in an automatic penalty of up to $50 per form not timely filed. State and local penalties vary by jurisdiction.

A particularly severe penalty applies where federal income tax withholding and Social Security taxes are not paid to the IRS. The penalty of up to 100% of the amount not paid can be assessed against the employer entity as well as any person (such as a corporate officer) having control or custody of the funds from which payment should have been made.


How to Make More Money

Now with that in mind, I want you to think about this – the federal government is taking away at least 25% of money you could potentially be earning.  Let’s go back over the numbers:

  • 6.2% employee pays in payroll tax
  • 6.2% employOR pays in payroll tax
  • 6.2% employee pays in SSN tax
  • 6.2% employOR pays in SSN tax
Obama Secretly to Tax Healthcare 
That’s 24.8% that you the employee is not getting paid, in fact even if you’re on SSN now, you will never get to see all of that money paid to you.  Those who are younger and not collecting SSN will never see any of it.  Don’t be a fool and think that you will, because you’ll be taxed in another area, to make up every last penny being paid out now.
So how can you make more money?  Start your own business.  Owning your own business completely avoids all of this headache.  In fact, owning your own business can potentially remove you from the tax system altogether, if you incorporate right.  You can become your own employee or independent contractor of your own business.
Speaking of independent contract, as an independent contractor you can avoid most taxes, because you file all of your own taxes, since you do not have an “employer”.  There is no withholding on the part of the employer.  This is directly from IRS.GOV:

It is critical that business owners correctly determine whether the individuals providing services are employees or independent contractors.

Generally, you must withhold income taxes, withhold and pay Social Security and Medicare taxes, and pay unemployment tax on wages paid to an employee. You do not generally have to withhold or pay any taxes on payments to independent contractors.

This means, you can nearly double your pay, just by declaring yourself and independent contractor and not an employee.  If you absolutely must seek a job and have no other option to start your own business, try to negotiate terms of an independent contractor, instead of being an employee.  Please note you will have to keep your own books.  Stop being lazy and do it.  The biggest reason people are poor, and that includes working poor, is due to sheer laziness and not due to education or opportunity.  But, alas, if you’re reading this, more than likely you’re not lazy to begin with and my ranting about lazy poor people falls on deaf ears.  Maybe, you could find a poor person and force them to read this article.  It might change their life.  ::smiley face::

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For Blacks: Mo Money in 2011?

My Financial Suggestions for Negros in 2011

Hello brothers and sisters!  Happy new year.  I hope you sat down at your desk and mapped out your year and planned everything you would “like” to do this year.  But, what about what you would like to financially achieve this year?  Very often Black folks, or even Americans in general, do not sit down at the beginning of a year and plan ahead for their finances.  Trust me on this one when I say, when you write it down, just the act alone, seems to help you achieve it.  I am always harping on what Black folks won’t do.  So I like to put my money where my mouth is, and we’ll go through this together and suggest what ought to be done.  Ever hear of a Black leader that does that?  They’re so quick to tell you what shouldn’t be done.  Black preachers climb the pulpit every Sunday and tell you what you can’t do.  Black “leaders”, a.k.a. NAACP wannabes, delight in telling you how you’ve been wronged.  But, not a damn one of them empower us.  Not a damn one of them tell us what we can do.

I don’t think Black people have financial education.  I am no Warren Buffet but I will share with you some financial ideas that I think even the most financially uneducated brother or sister can not only understand, but financially do.

This Year’s Financial Planning for Black People

I am going to tell you some things that might seem counter to what all the financial gurus are talking about.  But, what you don’t know is most of those financial gurus are not talking to you.  They are talking to people who have $150,000 saved in the bank.  Do you know the average social security retiree has a whopping $50,000 saved in their social 401k plan?  There is no way they can retire off of that.  So all these speeches about what you should do with your money does not apply to you.  [and me]  We do not have the basic of the basic already sorted out, have at least $50,000 in savings alone.  So if I say something that doesn’t jive with what your financial hero is telling you, understand that your financial hero makes about $300,000 a year and think everyone has $50,000 saved in the bank ALREADY.

The Easy Way to Save

Before you can save you have to get your spending under control.  If you go to a store more than twice a month, you are out of control.  That is including groceries.  Basically the idea is that most Americans are living waaaaaaaaaaaaaaay above their means.  They are shopping non-stop.  They are paying for things they do not need.

There are far more rich people that lived below their means and saved up, than there are that wandered into a pot of gold.  There are far more rich people that were stingy with their money than those that had riches fall in their lap.  Being wealthy takes planning and commitment.  Don’t be afraid of the word wealthy either.  I consider wealthy to also cover how great your family is, spiritually.  Oh and by the way, these days having one million dollars is not considered rich anymore.

Now, all the financial gurus tell you that saving your money works against you.  The Federal Reserve Bank prints a cool $50 million a day.  That’s right! A Day!  That means the $50 you put in your bank every paycheck by the time you walk out the door, is really only worth about $45.  Just that fast inflation is eating your money.  Now couple that with the fact of capital gains tax, which is %15 off of what you make in a savings account.  Right now across the land it’s a bleak 1% OR LESS.  So if inflation of 5% and an additional 15% don’t get you, your own spending will get you.

So why am I even discussing savings?  Because you have to have a foundation before you can anything with money.  You cannot talk about sound investing if you have no money to invest.  You do know that, at a minimum people are talking about having $20,000 or $30,000, when they are discussing investing.  And, they expect you to have that saved by age 26 or so.  So if you don’t have that, all of that discussion doesn’t even apply to you.

I asked my bank if my account was terrible, two different banks told me that 90% of their account holders did not have enough in their account to buy an expensive meal.

So what can we do to save money? There is a financial term called a DRIP program.  It stands for dividend reinvestment program.  It means that you buy into the direct shares of a company, below the minimum of what a normal investor would have to pay, about $1,000.  Your buy in is then kept by the company and as your little money stays, they pay you an exact portion of what you make off of your “stock”, when they pay out dividends.  However, instead of you getting the money, for your tiny portion, the company reinvests the money to buy you more stocks.  So, for instance, if you were to buy into the Proctor & Gamble DRIP program with $500, come time for them to pay out dividends, they take the $5 you earned and buy you more stock.  So you end up with $505 worth of stock in the company.  Over a long period of time, you might end up with 20,000 shares from just a tiny amount.

My suggestion is for you to apply the same principle to yourself and your savings account.  Most people put all of their money into their checking account so they can pay off bills and such, or buy groceries.  That is fine.  As long as you keep an up-to-date checkbook you will never go into the hole.  Setup your own DRIP program from your checking account, to your savings account.  Unless your bank is in the stone age, you can go online and do this.

Setup a daily or weekly transfer from your checking account to your savings account.  Now the amount is going to be the big question.  Put too little in and reaching $30,000 will take forever.  Put too much in, and unless you are really in control of your spending, you might run the risk of getting in trouble.  In trouble because the savings account is to be treated as if it is untouchable.  Under no circumstances can you take out money from your savings account.  That is the whole point of it being a “savings” account.

Think of it in terms of how much you are personally worth every day.  Let’s say you make $100 a day.  Of that $100 how much goes to direct, unquestionable, expenses, i.e. rent, power, water, gasoline / transportation?  Now remember this is daily.  Let’s say $50 a day covers all your expenses.  Then you might have $20 in questionable expenses, i.e. cell phone bills.  That leaves you with $30 a day to play around with.  Let’s say you put that into your savings account, which gives you 1% interest:

  • $210 a week or $30 a day
  • 1% interest rate
  • compounded monthly

That comes out to be $114,855.00 after 10 years.

Let’s say you only put in $10 a day, at 1% interest into a savings account

  • $70 a week or $10 a day
  • 1% interest rate
  • compounded monthly

That comes out to be $38, 285.00 after 10 years.

You can see right off that aggressively saving is going to get you there faster.  If your goal is to get to $30,000 it would take you 3 years if you only saved $30 a day or $210 a week at 1% interest.  To get to $30,000 in one year at 1% interest rate you would have to save $80 a day.

Now most black folk only think of themselves, by themselves.  Let’s think outside the box right quick.  Imagine that your entire family contributed to the savings account.  You could probably easily save $80 a day, or more.  If you consolidated your families expenses by moving together and sharing the expenses, you could probably cut everyone’s expenses in half.  Yes, I am talking about your grown children moving home, or you moving in with your grown children.  Outside of the U.S. people live with their extended family under the same roof, quite frequently.  And, before you start going down the path thinking I’m talking about some poor 3rd world country, I am talking about Europe, very wealthy countries.  Only Americans consider it their duty to move out and double their expenses, like idiots.  Or worse, get into a house that takes away more than 30% of their salary.  You do know that mortgage lenders do not want to lend you any money if all of your monthly debts exceed 36%.  That includes house note, car note, cell phone bill, power, water, garbage, property taxes, gas bill.  So if you made $100 a day, you better not have more than $36 a day in total bills.  That is $1080 a month in bills.  If you are paying more than that, in total bills, you are living WELLLLL above your means, i.e. you’re broke.

What Can I Do With Thirty-Thousand Dollars in One Year?

So we are going to save this $30,000 this year.  The next question is, what do i do with it?  No we are not going to spend it all.  We are going to go into business for our selves / family.  Of all the business ventures you could go into, real estate is still the safest to get into.  With $30,000 you can leverage yourself into most single family properties, that you are going to rent out to someone.

So the plan is to get into a nice single family home and rent it out for “cash flow”.  First you have to prepare yourself.  Buy every real estate book you can get your hand on.  Keep in mind, no one book is going to have all the answers.  Even text book real estate books, do not have all the answers.

Next, become an expert in accounting. Read everything you can on accounting.  If you do not know about money, you will never keep money.  Understand that accounting is only going to tell you how money is tabulated.  However, it is a basic principle that is unquestionably necessary to learn.  Every Black person in America should know accounting to the advanced level.

Next, comes understanding taxes.  Every Black person in America should learn taxes inside and out.  So many Black people are raped by the federal, state and local government through taxes, it isn’t even funny.  And, I used the word rape literally.  Black folks pay, per capita, the highest taxes of any other racial group and yet have the lowest median household income in the entire nation.*  There has got to be an end to it.  Know your taxes.  Take advantage of tax shelters and tax deductions.  Your children are your biggest way to save yourself from taxes.  While you keep pushing them away and telling them stupid crap like, “man up” and move out the house, you’re killing yourself with taxes.  Idiot!  Stupid is, as stupid does.  Black folks shoot themselves in the foot, face and head all day long and then turn around and wonder why they’re in the state that they’re in.

I suggest you print this article out and sit down at your desk and plan out your year:

  • learn everything about real estate
  • learn everything about accounting
  • learn everything about taxes
  • save $30,000 this year

Now that sounds like a financial new year’s resolution that you can achieve.

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Obama to Raise Gas Tax: Poll

Americans Strongly Oppose Proposed Gas Tax Hike

Obama Proposes to Raise Gas Tax

WASHINGTON (Reuters) – Americans by a wide margin oppose a proposal to raise the U.S. gasoline tax by 15 cents a gallon to help cut U.S. budget deficits and support cutting the federal work force, a Reuters/Ipsos poll showed on Tuesday.

The poll revealed mixed views on some of the recommendations made last week by President Barack Obama’s bipartisan deficit commission. The commission put forward a number of tax and spending recommendations to cut $4 trillion in deficits over the next 10 years.

The least popular of the recommendations polled by Ipsos for Reuters was a proposal to raise gasoline taxes by 15 cents a gallon. The commission said the increase was needed to fully fund the trust fund that finances transportation projects. But 75 percent of Americans opposed the increase, the poll found.

The current federal gas tax is 18.4 cents per gallon, while taxes imposed by U.S. states average another 22 cents per gallon.

Seventy-one percent said they agreed with a commission proposal to cut the federal work force by 10 percent and reduce congressional and White House budgets. Sixty-one percent said they agreed with proposals to end federal grants to large- and medium-sized airports and to require airports to pay a greater share of the cost of aviation security.

The poll of 1,028 adults, including 802 registered voters, was taken Thursday through Sunday and had a margin of error of 3.1 percentage points.

The poll showed how difficult it will be to win public and congressional support for many of the recommendations made last week by the commission. The panel itself was not united on the plan. Eleven of the 18 members of the panel supported the package, while 7 opposed it.

Retiremen Age

The poll showed that Americans are nearly split on the idea of gradually raising the retirement age to receive full Social Security benefits to 69 by 2075, a key part of the commission’s proposal to shore up the retirement system that faces increasing financial strains from the aging post-World War Two baby boom generation. The retirement age already is being gradually raised from 65 to 67.

Only 47 percent of those polled said they agreed with the commission proposal on raising the retirement age, while 49 percent said they disagreed with it.

Fifty-five percent agreed with the panel’s proposal to reduce Social Security benefits for higher-income retirees, while 57 percent said they agreed with the idea of giving retirees a choice of collecting half their benefits early and the other half at a later age.

A slight majority, 54 percent, said they disagreed with a proposal to stop taxing the overseas profits of U.S. multinational corporations. That proposal would be part of an overall tax reform recommended by the commission to streamline the complex U.S. tax code and help lower tax rates.

Fifty-eight percent of those polled said they agreed with the proposal to lower individual and corporate income tax rates.

Fifty-six percent agreed with a proposal to reduce overseas military bases and another cost-saving measure to integrate the children of military families into local schools near U.S. military bases and close schools on the bases.

Forty-nine percent said they agreed with a proposal to freeze Defense Department salaries and bonuses as well as noncombat military pay for three years. Forty-five percent said they disagreed with it and 7 percent said they were not sure.

On healthcare, about 45 percent said they agreed with the commission’s proposal to phase out the tax-free status of employer-provided healthcare, while 43 percent disagreed and 12 percent said they were not sure.

(Reporting by Donna Smith; Editing by Will Dunham)

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For Blacks: Heirlooms Not Hand Me Downs

Second Hand is Never Bad

Second Hand Clothes

If your grandmother or grandfather gave you their car that they have had for twenty years, the average person would turn their nose up at such a thing.  In this article I want to show Black people how the rich, and by rich I mean filthy McNasty rich, keep the rest of us in the poor house, in terms of brain-washing us into thinking hand-me-downs are a bad or even terrible thing.

My father died when I was, oh not even had all my teeth come in yet.  My mother, luckily, was a pretty important person and could afford everything.  However, how she grew up never left her, and she tended to complain about things, although they didn’t really affect us, namely clothing me.  So you know, although she complained, she had the money.  She was just so used to such abject poverty that she couldn’t understand that, although she made X number of dollars a year, shoes cost $20 / $30 / $40 bucks for a kid.  Let’s back up and see how she grew up.

My mother was the middle child of 15 children.  That’s right, 15 children!  She did not have the luxury of going shopping for fall school clothing.  In fact, I don’t believe they ever went shopping for clothes at all.  She did not own a pair of shoes, until the 6th grade.  All her clothes, including Sunday dresses, were all hand-me-downs from her older sisters.  And, those dresses were hand sewn by my grandmother anyway.  [ When I went to live with my grandmother for a year, she made me three suits from scratch, and she never took a measurement. ]

Now let’s think about the situation.  All my mother’s life, all her clothes were worn by her older sisters, and she in turn handed down those same clothes to her younger sisters.  Nowhere did they ever go shopping for school clothes.  Imagine for a second, you moms and dads, never going clothes shopping for your children.  Now, I want you to actually sit down and calculate 18 years, including the baby years, of how much money you would KEEP if you never had to buy a single piece of clothes for your children, nor shoes.

Let’s go back to my original scenario of your grandparents giving you their car.  In this case I have a real live scenario.  My girl friend [ just a friend ] who is white, got her car from her mother, who bought a new car.  She turned around and gave her younger brother her truck.  Let’s give their ages: the mother is … probably in her 50s; my girl friend is 39; and her brother is 18.  So the brother goes to college with a truck.  He doesn’t have to pay anything for it, except the taxes [ taxes includes insurance, which is just another tax ] and gas.  My girl friend doesn’t have to pay anything for her car either.  Only the mother, and I assume father, have to buy the new car, but they are both in a much better position to do that, than either of the “kids”.

Wealth Preservation

Heirloom Clothing

This is exactly what Black people are missing.  So many Black people are sold on the idea that they are individuals and what’s mine is mine and what’s yours is yours.  You will find that the higher up the economic food chain you climb, the less and less that statement is true, to the point that at the top of the economic food chain [ the real rich people ] there is not even a concept of “my sons have to go out and get their own job and house and money”.  When the elite have children, they are simple their family.  Forever!  The son or daughter simply sits in the captain’s chair when the father dies.

They don’t move out.  They don’t get their own house.  They don’t buy their own car.  They don’t pay rent.  They don’t divide the family resources and give it to someone else.

That last statement is the key to it all.  Once you understand that your family simply expands with the addition of children, and weddings and grandchildren, you understand that your wealth must be maintained forever.  That wealth comes from the resources your family [ whole family ] has at their disposal.  A child [adult child] that would leave the house and go buy another house or rent an apartment and buy a car is virtually throwing away resources.

I was talking to a family member and they said, “you know us Black folk can’t live together, we need our own space.”  It is a completely false statement.  Black people have been living with each other for thousands upon thousands of years.  The Black sense of the family unit was intact until they started “integration”.

With integration, the evils of advertisement took hold of the Black family.  In an effort to get EVERYONE to buy things, the definition of what it is to be American kept being redefined, redefined, to the point it now means, get your own house / car / stuff.  Buy buy buy!

Black people are 50% poorer than white people.  We cannot afford to buy buy buy.  We need to take home the message of wealth preservation.  We need to maintain the family unit forever.

The Real Hand-Me-Downs

Here’s a brief list of things that would change your life if your parents or grandparents gave them to you, instead of you having to buy them.

  • cars
  • clothes
  • shoes
  • purses
  • houses
  • land
  • china ware
  • pots and pans and skillets
  • kitchen knives
  • tables
  • chairs
  • furniture
  • tools
  • suits
  • wedding gowns
  • jewelry
  • gold
  • silver
  • coin collections
  • business

If you had your parents live with you, or grandparents and you virtually inherited their household, you would preserve so much wealth, just in terms of things, that it would kick you up several notches in wealth.  This is not to say, go steal your parents things.  This is to say, rethink your entire lifestyle.  If you have several households that your family is paying for, stop it.  Your children shouldn’t move out of your house, until they get married and their spouse forces them to move.  Even then, if they get married, they can still live with you.

Big Black Family

This stupid notion that children should move out of the house, was nothing more than businesses changing people’s viewpoint to get them to buy buy buy.  Noone, no racial group, ever thought children should move out the house at 18.  It is a virtually new concept.  And, it is just a marketing ploy.  They keep reinforcing it, because they have to.  It is not natural for a caring parent, who loves their children, to all of a sudden say, “ok junior, get out”.  They continuously bombard us with the idea that children should get out of the house, in movies, commercials, Oprah.

To have something, you have to keep something.  Even the poorest worker in America, if they kept all of their paychecks, has 1 million dollars go through his hands.  Imagine if that worker saved every penny he possibly could.  Then, his son saved his.  By the time the grandchild rolls around, the family is soundly rich.  But, you can’t do that buying 10 cars in your lifetime.  You can’t do that buying 4 houses in your lifetime.  You can’t do that shopping for school clothes for fall and summer every year.  You can’t do that buying cheap Chinese plates that chip and break every 2 years.  You can’t do that buying pots that are so thin they burn every 2 years.  You can’t do that paying for a baby sitter, or daycare that costs more than what your wife makes at her job.  [fool]  You can’t do that sending your dumb kid to college, which you can’t afford, and neither can he, going into debt, when he could have gone to a vocational school or professional school and come out making the family twice as much as the father.  You can’t do that by sending your kid to college, only to turn around and get a job making some else rich, instead of opening up a family business or practice.

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Getting Rid of the 16th Amendment, Income Tax

Congress to Send Legislation to States Repealing the 16th Amendment

In a bold move, congress is sending out to the states for ratification a Constitutional Amendment providing that the Sixteenth Amendment, the income tax law, is hereby repealed and Congress is henceforth forbidden to lay “any” tax or burden calculated from profits, gains, interest, salaries, wages, tips, inheritances or any other lawfully realized money. Not to be confused with the former ability of congress to tax and spend under the constitution’s original tax plan, imposts, duties, and miscellaneous excise taxes on articles of consumption, and, a direct apportioned tax if Congress borrows to meet expenses. Unfortunately the measure has not captured the attention of the main stream media, being deemed “not newsworthy.”

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Representatives however, were questioned about the legislation, it was revealed that the repeal of the 16th amendment was for ushering in the national sales tax. Due to the fact that the 16th amendment is a constitutional amendment however, congress simply cannot repeal it with a constitutional convention, and simply impose the national sales tax. The one has to precede the other.

Therefore the push for state ratification of the repeal of the 16th amendment, is being hurriedly rushed to get a majority of the states on board before a constitutional convention is called. There is a genuine fear that without a precise agenda for a constitutional convention, the states could end up bringing to debate the actions of the federal government for the last 100 years. Congress, rightly, fears that the states could wipe out legislation they have unconstitutionally been passing for the past 100 years. Therefore to push through the national sales tax, they are rushing to get the 16th amendment repealed in a rushed manner, at a constitutional convention they feel they are in control of.

Of course looming on the horizon of the repeal of the 16th amendment is the inevitable close of the Internal Revenue Service (IRS), once characterized as the largest and most sinister agency on the face of the planet. IRS officials were not available for comment.

I cannot say I am sad to see the IRS go.

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Government to Tax Cadillac Health Insurance Plans

Cadillac Plans: Wait, Didn’t the Government Cause Them?

In a shady, smoke filled, backroom deal the government came up with the bright idea to tax health insurance plans that is the grand daddy of them all, the Cadillac plan. These plans offer comprehensive health care coverage and have tiny copays. What’s not to love about a Cadillac plan?

Here is the problem. It is these self same Cadillac plans, that is raising health care costs for everyone. How you ask? The Cadillac plans take no thought as to the actual cost of the health care provided. So, the prices can be jacked up and they know they will be paid. Here’s the rub. If all the Cadillac plans pay for higher health care costs, then it stands to reason, everyone should pay higher prices. So it is a stepping ladder into infinity. Prices go up and up artificially and everyone has to pay.

On paper that sounds terrible doesn’t it? And, everyone hearing that government would tax them to reign in spiraling health care costs would sound like something everyone could rally behind right, even democrats? Oh, now you know I set up straw men arguments professionally don’t you, and this is no exception. If the government is trying to tell you that they are trying to reign in spiraling health care costs by imposing a tax on Cadillac plans, then mayhaps you should know 3 things:

  1. They caused the Cadillac plans in the first place
  2. Adding a tax to them only serves to grow government
  3. They are, unconstitutionally under the equal treatment clause, making exceptions for unions and government workers

Oh what a tangled web we weave, when we practice to deceive. So the government caused this fiasco in the first place. How? Here’s the other shoe dropping. They subsidized health insurance companies and plans. So, taking advantage of those subsidies, the sweetheart deal was made and Cadillac plans were born. Voila!

Adding a tax to Cadillac plans only serves to grow government? You bet your kinigits it does. They will then monitor all health insurance plans and tell you if your plan comes under the exception or not. Of course they need a new department to do this.

Equal treatment under the law. If a tax is imposed, it has to apply to everyone in that category, i.e. shoppers, bankers, etc. There cannot be a tax levied on just Goldman Sachs, nor a tax levied which excludes just Goldman Sachs. Exempting union workers from then entire rest of the country is beyond the pale. It is literally punishing non-union workers. In fact, it’s a double jeopardy because they have the Cadillac deal and you don’t.

No one is going to suggest they remove the subsidies are they? No. That would be too much like… I don’t know… RIGHT?

If you fall for getting behind this tax on Cadillac health insurance plans, then you should recommend your picture be posted next to:

Gullible – your face here – A schlep that falls for any scheme or plan the government puts in from of you and says it’s one thing, but it is another. And you are too dumb to notice it.

They are literally putting the cart before the horse and calling it art.

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This American Lifestyle: October Questions

Things That Make Us Americans

These are questions I present to you that if people answered in the positive, I feel, our country would be back on track. If you answer no to all of the, then maybe you need to stop and reevaluate your life and how you’re living it. Sounds judgmental I know, but I think it’s high time we stop avoiding issues and high time we take responsibility for the things we absolutely can change. You need to be confronted. You need to be told you are not right. You need to be told it IS your fault.

Here are the questions. Enjoy!

  • When was the last time you cuddled on the couch with your wife/husband? Without the T.V. being on.
  • When was the last time you baked a pie for your neighbor?
  • When was the last time you played catch with your kids?
  • When was the last time you went to church with the whole family?
  • When was the last time you washed your car with your kids?
  • When was the last time you removed the rust, painted that messy wall, fixed the sprinklers or did chores around the house?
  • When was the last time you played board games with your kids?
  • When was the last time you just sat and gossiped with your neighbors on the front porch?
  • When was the last time you saw a sunset with your wife / husband?
  • When was the last time you saw an intellectually stimulating independent film?
  • When was the last time you read to your children?
  • When was the last time you had a block party with all the neighbors?
  • When was the last time you went fishing with your kids?
  • When was the last time you voted for an independent candidate i.e. not republican nor democrat?
  • When was the last time you read the newspaper cover to cover?
  • When was the last time you invited those poor neighbors over for dinner? You know the one’s down the street that just lost their job?
  • When was the last time you went to a school board meeting?
  • When was the last time you looked over all your kid’s text books?
  • When was the last time you gave your kid a treat that didn’t have sugar in it?
  • When was the last time you told your kid “no” for their own good and not just because you were annoyed?
  • When was the last time you went to a city / power company / water company meeting? Researched what was going on and stood up and confronted them about raising your bills?
  • When was the last time you wrote your congressman / senator / president?
  • When was the last time you wrote your state congressman / senator / governor?
  • When was the last time you confronted your mayor about a financial issue?
  • When was the last time you confronted your local sherriff about unjust laws implimented just to make the city / police money?
  • When was the last time you actually looked at the real numbers of deaths by: DUI in your city / state; murder in your city / state; deaths by lack of seat belts; deaths or murder by drugs like marijuana; deaths by terrorists; deaths by supposed flu? [ I encourage you to go find the real numbers. You’ll be surprised how low they are, yet millions or billions are being spent on them or people are being charged for them for no reason. ]
  • When was the last time you deposited money into your regular, plain old, savings account?
  • When was the last time you compared your interest rate being paid to your savings account to other banks and credit unions?
  • When was the last time you compared the fees being charged to you by your bank to other banks and credit unions?
  • When was the last time you stopped and calculated how much you spend on food / clothing / stuff each week / month / year?
  • When was the last time you bought something you did not need? i.e. that wasn’t real food: breakfast / lunch / dinner; or real clothes: for summer / winter; or real bills: rent / basic car note [yes one single car, not 2 or 3] / power / water / trash / basic telephone [yes just basic, not cell phone]
  • When was the last time your child bought something he / she did not need? i.e. your child shouldn’t be buying anything, you should provide them with the basic necessities, anything else should go into their college fund, not toys, video games etc.
  • When was the last time you were behind on bills, yet: ate out or went shopping or bought something rather expensive?
  • When was the last time you went on patrol for your neighborhood watch?

These questions are mainly to make you stop and think. Think about your habits you’ve been getting into. Think about the example you set your children. Think about how you neglect your neighbors. Think about how you neglect your spouse or children. Our country really was a set of villages and we were all involved with each other and were interested in each other. Now we don’t have the time for anything.

We are slowly being dumbed down and our children are being dumbed down by what they learn in school, see on t.v. and see in the movies. Yes, your child isn’t going to turn out as smart as you. You might think because they play with video games and computers that they are far smarter than you, but those are simply different tools. Your children will turn out dumb. The system wants them as dumb as possible. The system wants them to do drugs, regardless of what you hear. Think about it for a second. When you hear a report about drugs on t.v. do they tell you all about the drug so you can know where / when / how to buy it?

Please visit my legal website: Las Vegas DUI Attorney
See me on YouTube: Shakaama Live

DUI Checkpoints a Great Way for the Government to Make Money

DUI Checkpoints

SKIPPACK PA – Expect drunk driving checkpoints operated by the Pennsylvania State Police from Troop K barracks in Skippack PA, and across the state, to continue for the next 12 months. Arrests of intoxicated drivers caught by the program “make it worthwhile” to keep at it, State Police Commissioner Frank E. Pawlowski said.

Under what Pawlowski called the “Checkpoint Strikeforce Initiative” that began last October, each of the 15 regional state police troops conducts a random sobriety checkpoint within its troop area every weekend. When the weather’s bad, troops conduct roving DUI patrols rather than man a checkpoint.

During the past 12 months, Pawlowski said troopers made 1,574 DUI arrests as the direct result of checkpoints and 868 DUI arrests as the result of roving patrols. Troop K, which covers Montgomery, Delaware and Philadelphia counties, accounted for 191 of those arrests.

The enforcement effort is paid for in part by federal funding through the state Department of Transportation.


The Problem with DUI Checkpoints

Let’s begin by saying the word Unconstitutional. Repeat after me: “UNCONSTITUTIONAL”. What is really insane is that police take an oath to uphold the constitution, as do politicians, as does the military.

We let this happen. Yes you, let this happen. When you hear about a DUI checkpoint, you say nothing. When you are stopped at a DUI checkpoint you say nothing. You let police intimidate you as if this were in fact NAZI Germany. You let police run all over you roughshod and you say nothing.

The courts let this happen. They are so afraid of not getting re-elected as judges, or not getting promoted to the supreme court that they go along with it. We have no judges with balls. We have no one fighting for citizens. Even life time appointed judges comply with the status quo. It is unconscionable to even entertain that any of this is constitutional. They have allowed the power of the court to be usurped little by little. From the 1800s to today, the court has nearly no power. It serves more as an instrument of the presidency than it does it’s own body. State courts serve the police and the governor, not as a separate body to keep tabs on them or to keep them in check.

But the courts can’t act alone. We need sober citizens to go complain to the mayors and governors. We need sober citizens to bring lawsuits against police departments. We need civil suits and criminal suits brought against individual police. Only when we wake up and realize it is we that has the power, will they recognize this.

We are being raped of tax dollars all in the name of safety?

“He who sacrifices freedom for security deserves neither.” – Benjamin Franklin

They are making these checkpoints; police are getting overtime; and the federal government is funding it all with our tax money. And when asked why, they say “the arrests make it worth it”? Hogwash! Time after time they have checkpoints and come to find out that less than 1% are even charged with ANYTHING. That means if they stop 1,000 vehicles: they might find 4 driving without license; 3 driving without insurance; and 1 near the limit. One DUI arrest out of 1,000 people’s constitutional rights violated does not justify creating the dui checkpoint. I hope you get mad as hell at these numbers. Once we are used to these checkpoints, and they are becoming more frequent, it is nothing to say they can’t say they are going to go house to house to search for contraband.

What would stop them from going to house to house and searching? You didn’t say anything when they stopped you in your car. You didn’t demand your tax dollars not be used to violate your constitutional rights. You said nothing. You sat in your car cringing at the big scary cop with bad breath, not saying a word.

What are you afraid of? Jail? Is that the worst thing in your life that could happen to you? You are giving up your real freedom for the threat of potentional loss of freedom, i.e. you are giving up your constituional freedom willingly because you are afraid if you speak up they might throw you in jail and lose your freedom.

Do you know Ben Franklin made that quote while the country was at war? So here is a guy that said, I will not allow you to use this war as an excuse to rape and pillage my freedoms all in the name of protecting us from possible war invaders. How many U.S. founding fathers risked life, limb, freedom to make this country free from this very same tyranny? And, we let them do it to us, AND we pay for the privilege.

The DUI Checkpoint Pocketbook Scam

How much money could be saved if every state stopped their unconstitutional DUI checkpoints? Millions of dollars per state and billions yearly by the federal government. This is what it boils down to. Forget constitutional, forget rights, you are being suckered into paying more taxes all in the name of safety. You are being taken for a ride on your dollar. They are telling you they are making these checkpoints for your safety. What is really happening is that you are paying more in taxes yearly, which grows the government. The more programs they start up and continuosly have, the more justification they have to charge more in taxes. So they raise taxes for DUI checkpoints and make them more and more frequently. No one complains about it. Instead of raising taxes for homeless shelters or welfare or school activities, which no one wants to do or fund, they instead fund DUI checkpoints to the tune of millions of dollars.

If they can’t get your money by appealing to your guilty conscious, they’ll scare you into handing over the money instead. And, you fall for it. How many “programs” are being funded like this? They raise taxes every state and federal session. No one complains. But, if they say they need more taxes for medicare, there’s a big uproar. So instead, they have these safety programs that everyone agrees to and goes along with, without complaint. They scare and scare you into handing over the money. And, you fall for it every year.

Wake up!

Please visit my legal website: Las Vegas DUI Attorney
See me on YouTube: Shakaama Live

Charities Left Out in the cold in Cash for Clunkers Deal

Cash for Clunkers What is it?

I’ve mentioned in my previous blog Why I am Against Cash for Clunkers that it is a zero sum gain, I win at your expense, not a win win situation. In the cash for clunkers program the government is footing the bill for $2 billion. Now when I say the government is footing the bill, I mean US. But the cars that qualify for the trade in program are perfectly running cars; can’t be too old; can’t have bad emissions; can’t have great emissions; have to be paid off.

Now I thought on its face that those criteria were just awful. Why would a rational thinking American turn in a car and burden themselves with more debt? This is why were are in this mess to begin with. This is insanity. This makes me mad.

Not only does the cash for clunkers program make me mad, but now I’ve found out that these idiots fell for it hook line and sinker and the program is an “overwhelming success”. Idiocy is running rampant in America. They should have an intelligence quotient for people to call themselves American.

Now I am totally ballistic. I am so fuming mad I could spit.

BUT WAIT …

THERE’S MORE …

Enter the Charities

If you read my blog about the stimulus package that Barrack Obama signed into being, you’ll see my discussion about how in that bill, charitable donation tax write offs were lowered. I ranted and raved about how could a peace loving, hippie acting, granola eating, president completely shaft charities like that.

Regardless of what some idiots who stick their heads in the sand say, charities do benefit heavily due to people wanting a tax write off.

As if that weren’t enough, let’s take a look at the Cash for Clunker stimulus package, i.e. car industry bailout.

The cars being turned in for vouchers are the cars that previously would have been the exact car donated for a tax deduction. Car donations were left completely out of the entire cash for clunkers program, even though both the Congress and Senate were told of the problem months and months ago.

Apparently, charities are not a big enough lobbying group. [ I guess they didn’t “donate” $1 million like Goldman Sachs did… ooops did i say that ]

And, Obama is gloating over the plan, and hoping it will get renewed. So once again, this president is shafting them.

I just don’t get it.

I say donate your car. If you really need a new car so badly, you can get dealer incentives to buy upwards of $4,500 anyway. Give your old car over because I’m not liking to foot your stupid bill in this $2 billion car bailout, because that’s all it is anyway.

Don’t misunderstand me, I am not a desocialacrat nor a repukeblican. Both are the same thing [we can argue about this on Shakaama Live Blog any day]

Please visit my legal website at Las Vegas DUI Attorney
Watch me on YouTube at Shakaama Live

Cash for Clunkers the New Social Welfare

The New Face of Car Bailout

The Obama administration expressed optimism that the cash for clunkers program would be renewed by the senate. In fact the response for the program has been called “wildly popular”. What they mean to say is they didn’t expect the American public to fall for the worst tax since the IRS was created.

The cash for clunkers website has a huge backlog and auto dealers are being warned that they don’t know if transaction will be approved or funded so far.

The original proposal of course was aimed at assisting GM and Chrysler. The intent was to funnel money directly to those companies while making the U.S. citizen the patsy to do it.

Please recall that the bailout was overwhelming unpopular. 76% of Americans were completely against the bailouts. In fact, over 30 million Americans contacted their representatives to express their displeasure. The government hadn’t seen such a response since someone suggested Bush should run for a 3rd term and amend the constitution. Of course they passed the bailouts anyway and Americans took it bent over without so much as a whimper.

This time the government got sneaky. Instead of giving the car industry a bailout [evil word] the couched it in terms of a new entitlement program [ socialistic program ]. This way the U.S. citizen will be the cause of his own tax raising. They pick the car and the government gives the bailout, piece by piece. What the citizen doesn’t realize, comrade, is that it is they that is left holding the bag.

A Lesson In How the Car Industry Actually Works

While everyone is thinking that average joe public is the one turning these in, they don’t realize who is the main consumer of automobiles, Fleet Sales. Yes, boys and girls, companies that buy cars by the thousands are what really drive the auto industry, not ma and pa Smith.

Fleet sales is the entire reason we don’t have electric cars zooming along today. Fleet sales is the reason our cars aren’t flying along like the jetsons. They are the reason we have not increased fuel efficiency in nearly 100 years. The car industry only listens to fleet sales.

So, while you think it’s pennies to pay taxes on your one car you bought through cash for clunkers, which still is wrong, you’ll pay the entire $4,000, keep in mind fleet sales amount to hundreds of thousands of sales. And, all the taxes that they should be paying, will be passed directly to you. Not only will you pay for your own cash for clunker stupidity, but you will have the corporate fleet sales hoisted onto you in both taxes and consumer prices raised, for the corporations to pay off the taxes.

Who’s Side is the Government On

I already discussed in a previous blog Why I’m Against Cash for Clunkers. I outlined how you qualify for cash for clunkers. One qualification I forgot to mention though:

Trade-ins cannot be more than 25 years old or get more than 18 miles per gallon.

So besides the car having to be paid off, the car cannot be fuel efficient. And, if you trade in a car that gets 18 miles per gallon fuel efficiency, you have to purchase a car / truck that gets only at most 10 miles per gallon fuel efficiency, light to heavy truck. I ask you, does that even make sense for the future?

The cash for clunkers bailout is $2 billion so far. This socialist program is trying to be made permanent. And, remember that’s $2 billion we have to pay.

Why I am Against the Cash for Clunkers Federal Program

Cash For Clunkers Stimulus

The U.S. federal government’s Car Allowance Rebate System (CARS) stimulus plan, also known as Cash for Clunkers, is expected to kick off today, July 24.

If you own an old light-duty truck, such as a 2000 Chevrolet S-10, you can qualify for a $3,500 voucher if the new light-duty truck that replaces it has a combined fuel economy rating of at least 18 mpg and gets at least 2 mpg higher than the old truck. If the mileage of the new truck is at least 5 mpg higher, the voucher will be $4,500. The old truck has to be a 1984 model or newer.

If you own an old large light-duty truck, such as a 2000 Ford F-150, you can qualify for a $3,500 voucher if the new large light-duty truck that replaces it has a combined rating of at least 15 mpg and gets at least 1 mpg higher than the old truck. If the mileage of the new truck is at least 2 mpg higher, the voucher will be $4,500. The old truck has to be a 1984 model or newer.

If you own a 2001-model-year work truck or older, such as a 2000 Dodge Ram 3500, you can qualify for a $3,500 voucher for a new work truck or trade down to a large light-duty truck. There’s no mileage requirement on these trucks because the EPA doesn’t require fuel-economy ratings on heavy-duty pickups. And, that’s the Cash for Clunkers program.

The program guidelines can be found at cars.gov. The funding for that program runs out on Nov. 1, but it isn’t the only federal cash-for-cars deal on the table. Through 2009, the IRS also allows new-car buyers to deduct the sales and excise taxes they pay on their cars, even if they don’t typically itemize deductions.


Why I’m Against Cash for Clunkers

If you understand the program as I’ve outlined above, it’s simply a trade your old car in and you get a voucher if the new car you buy qualifies under the program. This is simply a subsidy for the car industry. This is big business, going to the government and asking for another bail out at our expense.

For the brain dead, you are going to pay for this, whether you participate in this or not. Do you honestly not see that they are not going to take up a collection from charitable car enthusiast and keep that fund separate to fund this program. No, everyone, young or old, blind cripple or crazy, is going to pay for this government hand out.

It’s just another way to raise entitlements when we clearly don’t have the money to pay for the entitlements we have right now.

Why do i care?

  1. Because I’m going to pay the taxes
  2. I don’t have a car
  3. I’m subsidizing some other schmuck who can’t afford a car to begin with
  4. Idiots are going to turn in cars that are completely paid off and get a nice hefty bank loan
  5. Idiots are going to buy more car than they can afford
  6. CAR BUBBLE

If you have an old clunker and you were just about to buy a car, then by all means, go turn in the clunker and buy a car that’s just the amount of the voucher. Oh that’s right, there are no new cars that are $4,000. Awww shame. What’s the entry price of a car these days? $20,000? No no, I mean a car you would drive, not a car you’d show on paper to your dad, so he could cosign. I mean, a car with air conditioning, stereo, window defogger, electric locks, electric windows, a car you’d actually drive.