This American Lifestyle: Why Are We in This Mess

Why are You in Debt?

Peter Schiff comes on to CNBC and they all have a good laugh at him. Of course Peter Schiff has a 1 minute 30 second spot to deliver his message of doom and gloom, competing with the idiot host who wants to give you the “THE RECESSION IS OVER, THE RECESSION IS OVER,” mantra they always spew.

Let me explain why we are in this situation, since I [and you] have all the time in the world.

Preparing You for a Life of Debt

Let’s start with you and I’ll get to your parents in a second and tie it all in. Your first taste of true economic freedom is clamped down and you’re straddled with debt immediately. How? College! You take out massive loans, not secured by anything other than your I.O.U. You are then strapped with this debt fresh out of college. You must secure a job immediately to start paying it back.

But, wait! These college loans afford you a lifestyle change unlike, what you would have had, had you paid for college yourself. I’m not talking rich people. I’m talking average middle-class America, paying for college with their own money. “Well, no one would go to college,” you might say. Not true, and this is where Peter Schiff, Ron Paul and the Austrian Economic School of thought come into play. If everyone in America stopped taking college loans, or begging for government grants, college tuition would plummet and we all could afford it. Colleges would have to compete with each other, to offer an affordable price to gain student dollars. Colleges right now are not run like businesses, the are run like governments, wasteful. Colleges rely on the fact that the government is going to continually bailout the students. They no more reign in spending than the city or state or federal government does. If they have waste, they just raise tuition to pay for it. What do they care?

Conditioning You for Debt

The point is, you are now conditioned to accept massive debt, to afford you a certain lifestyle. This is where your parents come in. Instead of them saving, I’m talking on a massive scale, and paying for college out of their pocket, they do stuff like take out home equity loans. It has become to common place,that banks now advertise for it. “Take out a home equity loan for your kid’s college tuition.” 80 years ago, that would have been unthinkable. People would have called you mad. So, immediately, your parents first financial lesson to you is, go in debt to afford you a certain lifestyle. Nice lesson dad.

This lesson is repeated over and over. People were relying on the equity in their home, with the notion that housing prices would continually climb, so they could borrow on it. Now, Barrack Obama and Ben Bernanke, is trying to continue this farce by propping up housing prices. They are fighting the recession with every ounce of strength they have. And, believe me, they have an entire treasury to do it. They have the sheep, that is the American public to give away their money, and no one asks a question.

“More than three-quarters (77 percent) of Americans with pre-college age kids, however, have saved less than $20,000 for their children’s college expenses; 62 percent have saved less than $10,000, and 43 percent have saved less than $5,000. Twelve percent have saved nothing at all.”

Your house is not worth $125,000.00. I’m sorry to be the one to tell you this. Go back and see what your house would be worth in 1970, and maybe then you’ll have an accurate picture.

What people are failing to understand is, housing prices are predicated upon the scarcity of housing. Unfortunately, there was a housing boom in construction. There is an over abundance of housing. So your house is worth far less now, than when you first bought it. There are parts of the country with entire huge condo buildings sitting empty. I don’t have the numbers, but I guarantee there are at least 10% of empty real estate in every city. That means your housing price, should be lowered.

So this notion of borrow on equity… You have no equity. You have nothing. You were being propped up by the government the entire time. Why do you think you can deduct the depreciation of the value of your house annually? The government knew the real story.

So we have a failing economy, lowered housing prices, what’s next? Unsecured debt! Besides all the lending done on real estate, people still took up debt that was unsecured, like college. The lenders knowingly were doing this, but we were still borrowing. No one forced us to sign on the dotted line.

We just had the FBI raid TBW based on fraud. Stories like that should show you. I guarantee the FBI could probably raid every bank in the land for nefarious lending practices.

No one wants to swallow the pill. I bet you’re sitting here muttering, “I don’t want to lose my equity”, “I don’t want the value of my house to go down.” Or, you might be a banker saying, “I don’t want my clients defaulting on their loans.” So everyone is hoping Obama will bail them out, prop up this farce of an economy and keep it, business as usual.

No One Wants to Swallow the Bitter Medicine

This is what Peter Schiff, Ron Paul, and the Austrian Economic School of thought is talking about. Everyone is sitting quivering in their living room, hoping they won’t have to be the ones to pay for all this excess. And, when I say excess, I mean all the loans.

Imagine for an instance, that you had no debt, at all. Imagine the only expenses you had were your power bill. *GASP* I bet for some of you, that is nearly impossible to imagine. This is what the recession needs to cure. This is where this recession needs to go. Not, bailing everyone out. Not, propping up housing prices.

If we could go back in time, I would be for Obama saying,

“Today I’m wiping out all the toxic real estate assets. I am wiping out all current housing loans. I am declaring a banking holiday.”

Housing prices would have plummeted, but no one would care, would they? If your house was paid for, but only worth $10,000 would you care? However, no toxic assets were removed from the system, not a single one. And, you are still in debt.

Two Working Parents Are Not Necessary: The Epiphany of Women

The Epiphany of Women

black husband and wife with childrenA lot of women are finally waking up to the idea that they do not have to work. It was assumed that if a man can go out and win bread for the family, that if the wife also went out and got a job, the family would be twice as wealthy and successful. However, women are finally waking up to the reality that, that is not only not the case, but it is not even necessary.

Doing the Math

Thirty years ago, couples sat down and wives came up with the bright idea that, in order for the young couple to get ahead and not be stuck living in a shoebox for 15 years, that the wife could go get a job and bring in twice the paycheck to the family, than just the husband working. Without any other influences, this makes mathematical perfect sense.

However, this goes to complete shreds when the young couple becomes pregnant. Not just the expense of hiring a midwife to give birth to a child, but the wife immediately stops working. That stops her paycheck for however long that lasts. But then, other expenses pile on and the wife has to sit down with the husband and rethink the math of her getting a job.

Black Middle-Class: The Black People You Don’t See

The Black People You Don’t See

Black Middle-Class
Black Middle-Class

There is a huge section of the Black population that is never heard from, never consulted, nor never acknowledged. But, first, let us take a look at who we do see and hear from. On one end we hear from the poor, uneducated and criminal minded Blacks by the dozens on a daily basis. They are everywhere. They give their unsolicited and uneducated opinions on TV, radio and any other medium they can get their hands on. On the other end of the spectrum we have the entertainers, who happen to be rich and mostly uneducated. They too give their unsolicited opinions on subject they have no business discussing now have any intimate knowledge about.

It would not be bad if this group, which I will group into one subgroup, were seen in the light that they are – not the typical Black person. But, they are not. They are put forth and in front of everyone as the typical Black person.

So the image of a Black American is that they are uneducated, criminal or low moral standards. This is true of the poor we see on TV and the rich entertainers we see on TV.

Nothing could be further from the truth.

There is a huge silent majority of Blacks in America that never get on TV or in movies. These are the Black middle-class. These are the well spoken Blacks. These are the educated Blacks. These are the high moral standards Blacks. These are the conservative Blacks.

In growing numbers they are realizing that their way of life is being attacked by the main stream media: news, TV, movies and magazines. It is everywhere. The Black middle-class have absolutely no voice.

Continue reading Black Middle-Class: The Black People You Don’t See

Medicating Your Kids

Are You Falling Prey to Giant Pharmaceutical Companies

If you own a business, the lifeblood of that business is to get your product out there and sold. The more people your sell your product to, the better. Some times products do not do so well. If you are the actual inventor of the product, you try and repackage the product and put it back out there. Some times millions of dollars go into researching these products. If you’re a giant pharmaceutical company, the amount of dollars put in research is staggering. And, a lot of times these products do not work, no matter how much money they put into them. These huge companies however have to answer to boards, stockholders, overseers. As such, instead of throwing away a product that doesn’t work, they put it out there anyway.

Fluoride

One such product was fluoride. If you just casually research where fluoride comes from you get a very startling look into what you thought was something actually good for you, when in fact it’s toxic waste:

[excerpt taken from instructions on how to produce sodium fluoride]
“I’m going to assume you want 100ppm by mass, since this is really the only way that makes sense with a solid and liquid. First, you need to get a fluoride salt. I will use sodium fluoride as an example – it may or may not matter which salt depending on what you’re trying to do. Be careful, fluoride compounds can be toxic. Second, you need to figure out what percentage of the salt is actually fluoride. To do this in our example, first look up the molecular weights of sodium and fluorine on a periodic table (the numbers at the bottom of the squares). Sodium (Na) has a molecular weight of 22.989, Fluorine (Fl) weighs 18.998. Add these to get the total molecular weight of sodium fluoride”


[letter to CDC]
In a PDF fact sheet about fluorides you said it prevents tooth decay. I think this statement needs to be removed. It is not based in any scientific fact and would lead the common civilian to believe it is medically safe to handle fluorides or even ingest it.

Fluorides are highly toxic to humans and livestock. I was shocked that someone at the CDC would pretend otherwise. Whomever wrote the fact sheet should probably lose their job over such a patently false and misleading statement. Fluorides in fact leads to the degradation of teeth and bones, mental instability, neurological damage, i.q. damage and lowering, lowered sperm count, infertility, brittle bones, skin irritation, eye irritation, respiratory tract chronic disorders, heart disorders and damage, cancer and of course death.

I don’t know who in your organization is putting forth false claims of fluoride as being any benefit to humans. Quite frankly it is an industrial waste product and I’m sure the clean up is quite expensive. But, apparently you need to look out for nefarious individuals in your organization trying to fool the general populous. It is unconscionable to think someone would lead civilians astray to the point that they could expose themselves to fluoride, resulting in death. It would be on par of someone saying mercury was a cure for skin rashes or stomach ache. It is just unthinkable someone would say that.
Respectfully,

Very concerned citizen
P.S. I would hope you would do something to remedy this very bad and false information. People could be dying from exposure to fluoride.

If you really want to be safe, you can simply make your own toothpaste. It is easier than actually buying toothpaste, because the ingredients are something you use every day and can stock up on anyway.


Home Made Toothpaste Recipe:

  • Mixing bowl
  • 1/2 cup baking soda
  • 6 teaspoons stevia
  • 1/4 cup hydrogen peroxide
  • 1/2 teaspoon peppermint oil / vanilla extract / ginger / ground cinnamon [whatever flavor you like that has absolutely NO SUGAR

Mix all in bowl, until it turns into a paste or what is normally a paste. Add more hydrogen peroxide to achieve the consistency you like.


This is actually 10 times much better than store bought toothpaste, because:

  1. it’s virtually free since you would be using those products normally for other things
  2. you know exactly what is in the toothpaste
  3. there are absolutely no harsh chemicals in the paste
  4. there is absolutely no risk of any harm coming to you or your children

As always don’t add any acids to the baking soda. When brushing spend at least 90 seconds brushing so as to completely dissolve the baking soda in the saliva. The only abrasive product in this will be your own toothbrush.

Imaginary Friends: The Schizophrenia Scare

Recently Oprah Winfrey had a show that showcased 2 young cute girls who talked about their imaginary friends. You can imagine how funny such a show would be. They went on about what the imaginary friend would say or what they would tell it. They even pretended their imaginary friend was from a different country, all made up of course, and they would visit them and described it to Oprah. They even said “I like Callilani better than this world.”

Boring show, if that’s all there were to it. But, of course, no day time t.v. show would be complete without some quack doctor who comes along to tell the audience how deranged and evil these two little girls are.

What was his shocking theory? These two girl suffer from Schizophrenia and must be medicated. In fact, the two little girls had been under medication already by their parents. It was later revealed that the father and the mother both beat and starved the girls in an effort to control the troubling behavior they didn’t approve of. The medical doctor of course said that the girls were psychotic and suffered from schizophrenia.

There is an organization, called Intervoice, that has some great advice for you the parent, on how to handle, cope and get over it [you, not the child. half the time the problem is you. your child is screaming out to you and you don’t even realize what you’re doing] Here’s an excerpt of their advice:

  1. Try not to over react. Although it is understandable that you will be worried, work hard not to communicate your anxiety to your child.
  2. Accept the reality of the voice experience for your child: ask about the voices, how long the child has been hearing them, who or what they are, do they have names, what they say, etc.
  3. Let your child know that lots of children hear voices and that usually they go away after a while.
  4. Even if the voices do not disappear your child might learn to live in harmony with his or her voices
  5. It is important to break down your child’s sense of isolation and difference from other children. Your child is special – unusual perhaps, but really not abnormal.
  6. Find out if your child has any difficulties or problems that he or she finds very hard to cope with, and work on trying to fix those problems. Think back to when the voices first started. When did the voices arise for the first time? What was happening to your child when the voices first appeared? Was there anything unusual or stressful that might have occurred?

Acknowledge, listen, understand! Sometimes the root of the issue might be a bully at school, and your child tried to tell you or is afraid to tell you, so they act it out instead. Or something you’re doing, unwittingly, and the child doesn’t know how to confront you, because confronting someone is a very sophisticated action. That’s why so many grown men just result to fighting instead of properly confronting someone. Confrontation is a high brain function. Fighting, is a low brain function. It would be VERY wise of you to teach your child how to confront a person/place / thing. Some of the greatest philosophers and war generals in history all were expert at confrontation. So, your child might be incapable of confronting you, or someone else, and is seeking your very help in the matter. Understand this and open your mind and eyes to what is really going on. Under no circumstances would you go to a psychiatrist who is going to look for a simple conclusion and diagnose your child with “schizophrenia”.

What is schizophrenia? Schizophrenia is a psychiatric term that means absolutely nothing. It means the doctor has no idea what is going on in the mind of the patient. It could even be labeled to a person that is absolutely normal. Pretty shocking eh? Yes, you, yourself could be diagnosed as being schizophrenic. There is no medical basis for the world and it literally is a catchall definition.

Imagine if you will. Let’s say you were somewhat wealthy. Let’s say you were middle aged and your children were all grown adults. They could, if they were vindictive, get a medical doctor to declare you suffered from schizophrenia, have one of them pointed as the executor and legal guardian of your estate and seize all of your assets for themselves.

In fact the government can have you declared schizophrenic. Let’s say you saw something they don’t want you to know about. Delusional Schizophrenic! Locked up and key thrown away.

However, many child development experts have for years explained that imaginary friends are a good sign and show it as a part of child development. They even have cartoons on t.v. now based on the phenomenon. Some experts say:

Young children three and four years-old, and many older children (as well as some teenagers), report having imaginary companions. Imaginary friends can provide emotional stability, feelings of competence and a sense of enhanced social perception.

If you are concerned about your child having a mental condition:

The United States Patent Office delayed issuing a patent on the Wright brothers’ airplane for five years because it broke accepted scientific principles. This is actually true. And so is this: Vitamin B-3, niacin, is scientifically proven to be effective against psychosis, and yet the medical profession has delayed endorsing it. Not for five years, but for fifty.

In 1952, Abram Hoffer, PhD, MD, had just completed his psychiatry residency. What’s more, he had proven, with the very first double-blind, placebo-controlled studies in the history of psychiatry, that vitamin B-3 could cure schizophrenia.

There you have it. Vitamin B-3 apparently cures mental illness. I’ve heard of Dr. Hoffer off and on now for over 10 years. He’s been ascribed to many positive things. We all benefit from him not receiving that patent. For now we can benefit from both his studies, and still buy Niacin cheaply.

Conclusion

I may pick up more topics about medicating your kids later on, but for now I’m beat and will close this. Medicating a very young human has to be the essence of irresponsibility. Not only are drugs already toxic to adults, but to children it can cause permanent and instantly fatal results. Understand that as adults, we have a lifetime of cellular structures that have matured and developed. A child has no such defense mechanisms. Also, deficiencies in children are much more readily apparent. If there is a deficiency in vitamin B-3, you’ll see “odd” behavior.

Don’t medicate the child. First sit down and go over what the child has been eating and NOT eating for the past year or even 2 years. You might be shocked to find out that your child never eats broccoli or brussels sprouts or greens. You ate it as a child, but you’ve been denying it to your child.

Perhaps you’re one of these parents who makes spinach and the child whines and you cave in and don’t make them eat it. Wait! You’re now the child and the kid is your parent. Shame on you. Seriously, are you trying to kill your child? If you don’t have the stomach to stand up to your own kid, why did you have the kid in the first place? You need to both be man [or woman] enough to stand up to your own child, and father [or mother] enough to protect them from quack doctors that want to medicate them to death. You need to just grin and bear it and force your child to eat the spinach or brussels sprouts. The child should no more dictate to you, than the quack doctor who’s getting paid by the pharmaceutical companies to push drugs onto you. There may be crying and whining now, but in 10-20 years when they aren’t in the grave from vitamin deficiencies that you could have easily remedied, you’ll be thanking me.

Should we be medicating our children? No. Our children are little untainted sponges. Give them food and water. Give them vitamins and minerals to grow big and strong. Remember you can’t get all of the vitamins and minerals from just eating, so you have to give them vitamins and minerals too. Remember when you were pregnant and you had to take all those vitamins? They were for the baby to have the best opportunity to come out healthy and normal. Why would you stop when they are already out of you.

Remember, I pray for you all. God bless.

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We’re All Just Human: Michael Jordan Cries at Son’s Basketball Championship Game

It’s often that people prop legends up to such lofty heights that they cannot conceived of them “doing number 2” or even worse having a bad day and not wanting to sign autographs.  I’ve heard gruesome tales of stars who are complete jerks or worse, angels because they did or did not tip a limo driver.  We’re often ravenous to read paparazzi driven rag magazine tales of celebrities gone bad, only to find out that the celebrity in question simply went out to their mailbox at 9a.m. in a house coat.

Case in point?  We have basketball legend crying at his son’s state champion win.  I personally don’t see the big deal.  What’s to marvel at?  He’s a father.  But the reporters seemed so amazed  because

Michael Jordan the Legend
Michael Jordan the Legend

1. do black people cry over their kids when they do awesome deeds like be lead scorer in the state championship?

2. is a basketball legend like Micahel Jordan human enough to shed tears of joy over a mere son of his?

You might think those questions are harsh for me to bring up.  But, if you’ve been reading my blog you know that I ask the obvious questions that people are feeling but dare not whisper in public for fear of “seeming” not “P.C.”.   I’m pretty sure P.C. led to Nazi Germany coming to power in some shape, form or fashion.  Personally, I’d much prefer someone tell me how they honestly feel, than to be confronted with “P.C.” and then stabbed in the back later, wondering where it came from.

Am I personally amazed that Michael Jordan cried at his son’s game?  No, it’s non-news.  I’m amazed the reporter thought it was amazing, and that the news has spread like wildfire in the white dominated media.  It speaks volumes of their state of mind.   Here’s the story:

“Jordan’s son wins state championship
Associated Press
PEORIA, Ill. – Michael Jordan celebrated another Chicago basketball championship – his son’s.
Marcus Jordan, son of the Bulls’ six-time champion, scored a game-high 19 points to lead Chicago Whitney Young to a 69-66 victory over Waukegan in the Illinois Class 4A championship Saturday.  As Marcus Jordan and his teammates celebrated on the court after the final buzzer, Michael Jordan stood quietly, clapping his hands with tears in his eyes.   “Crying?” the NBA great said in response to a reporter’s question. “I’m not crying. Not for me, anyway.” ”

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