Getting it Right - Welcome

The goal of this blog is to publish my thoughts on a variety of economic and political topics in the hopes that people who find them educational or beneficial will utilize them and/or forward to others who might find them interesting and/or worthwhile to promote to others, possibly including politicians who can push some of these ideas to fruition. The topics in my blog are meant to be of value on a long term basis, not a daily diary or political issue of the day log. If the information posted is useful to you, by all means utilize it and/or forward it as you see fit. If not useful, then merely ignore it. There are no universally agreed upon truisms and too little tolerance between some of those with opposing viewpoints to successfully convince the people with hardened opinions to move away from them. I am an analytical type person who will try to be as factual as I am able.

I disdain the current popularity of name calling and condemnation of viewpoints with no factual alternatives or logical solutions given that I see so often. If you don't have a solution based on fact and logic, then opt out of the discussion because you have nothing to contribute. My background is a degree in Economics from the University of Michigan and 39 years working in middle management jobs for a major retailer. My opinions are forged on the personal experence of life, family, friends, and work as well as triumphs and mistakes that I have made and hopefully learned from. My hope is that this blog helps you.

My first topic will be about personal finance. I chose that one first because most of us work long and hard just to survive but not all of us realize our dreams of becoming financially independent from the labors of our work. Much of our political votes/thinking also focus on the economy and in particular how well we are personally doing financially.

It is relatively simple, without sacrificing the enjoyment of living for 'today' and even at moderate incomes, to retire as a millionaire or multi-millionaire, if you focus on that goal consistently from a young age. It is also simple to ensure that your child or grandchild retires rich. It merely requires a one time gift of just $2,000 invested wisely and the passage of time. Please read my first post on this blog to learn more.


An index/schedule of past and future posts and their dates will always be updated so that it becomes the first post that you see below. If the date of a post that you wish to read is preceded by the word "Posted", then find it below or click on the title in the Blog archive to review.

Blog Archive

Saturday, January 16, 2021

The Number One Reason for the Disparity between Black and White Household Income Levels

 Economics is my college major and a topic that I still like to think about and especially include in my political discussions. My approach is to take facts and logically analyze them to conclusions in order to prove my point. I expect those that respond to me to do the same or I notify them that I accept their obvious concession of defeat if they don't take that approach. Let's get started on the issue of disparity between Black and White household income levels and its main cause. Who knows the percentage of married households with children that live in poverty? Answer 10%. Now, what is the percentage of single parent households with children that live in poverty? Answer, an astronomical 50% or five times greater than married households with children!! Easy to understand - two potential income earners and two potential baby sitters have a lot more potential for earning income than a single income earner and babysitter. In politics, we often hear about the discrepancy in income between Whites and Blacks. What we don't hear is the critically important fact that 3 out of 4 Black children are born to SINGLE parent households while 3 out of 4 White children are born to MARRIED parents households. This stark difference between Blacks and Whites accounts for the majority of the income difference between Black and White households. Also the children of single parent households, on average, have much lower educational achievements and much higher criminal activity. Fathers in the household are very meaningful to a child's development, especially boys. Most single parent households don't have fathers. Government can never fix this free choice of citizens to have children without being married (yes, some single parent households were the result of death or divorce, but the majority of new births into single parent households were the result of personal choices made). If Blacks want to achieve the financial success of Whites, then they need to reverse course and not have children until they are married (go back to 1964 before the massive Great Society Welfare programs were introduced and 3 out of 4 Black births were to married parent households - Welfare has destroyed what had been the strong Black family married parents unit). Otherwise, stop your complaining about your low income situation. It's your own fault!! Both political parties need to incorporate this knowledge into their thinking and their legislation activities.

Wednesday, January 13, 2021

Election Fraud and How to Minimize It Through New Constitutional Amendments

 There is always some level of voter fraud in each election. Some say it is very small and insignificant; some say it is significant. Without voter ID required to vote in all states, plus other issues, it is currently impossible to measure voter fraud accurately. That must change to insure election integrity in the future. 

To accomplish that, pass each of these new Constitutional Amendments separately (because packaging them all together in one Amendment makes it harder to pass due to potentially one change with less support):

Each ballot has a unique national bar code to make it easier to check for duplicate vote counts of the same ballot, with such checks being a national requirement.

All paper ballots, no computers. Paper ballots must be counted by non-computer machines that read and record the unique bar codes of each ballot, giving a count and a printout of each ballot cast. After each 1,000 local votes counted or when finished if less than 1,000 ballots, then 10 paper ballots must be retrieved manually and randomly by each poll watcher and checked against the machine results. If even one discrepancy occurs, those votes must be recounted manually in front of the poll watchers.

All voter registration cards will be required to have a unique, national identification number and must be shown at the time of the vote.

Voter government photo ID required to vote that must be checked against the unique voter ID card by election officials.

National check, using the unique voter ballots and the unique voter registration cards of all states and territories to make sure that no voter votes more than once. No state certifications of the vote are allowable without this check at all local levels.

All local voter rolls must be continuously verified to eliminate voters who have moved, or have died. Use state driver's licenses and Social Security death notices to help make this accurate.

No mail in ballots allowed except in the case of military personnel. Wherever mail in ballots are allowed they must be postmarked at least 14 days prior to election day, Otherwise, they will not be counted.

A representative from each major political party must witness the vote and the vote count at each local election place. If for any reason, that doesn't occur for the entire time of the vote and the vote count, then all votes will be impounded and recounted in front of a panel of at least three judges, who when over, must unanimously approve the vote.

Anyone found guilty of intentional voter fraud whether by a voter or vote counter will be executed – No exceptions.