Index of posts

 1. Achieving Personal Wealth Goals (Updated 11/12/2012) 

2. Saving and Improving Social Security (Posted 2/2/2008)            3. Balancing the Federal Budget (Posted 2/13/2008)                   4. Trade Deficits (Posted 2/27/2008)                                                   5. Taxes (Posted 3/13/2008)                                                      6. Federal Reserve Policy and Actions (Posted 3/28/2008)

7. History Lesson – Democrat or Republican? (Posted 3-31-2008)

8. Capitalism (Posted 4/13/2008)

9. The Business Cycle (Posted 4/28/2008)

10. Health Care (Posted 5/14/2006)

11. Government Pensions and other Benefits (Posted 5/28/2008)

12. War and Peace (Posted 6/16/2008)

13. Reducing Crime (Posted 6/29/2008)

14. Religious Issues (Posted 7/13/2008)

15. My Pet Peeves (Posted 7/31/2008)

16. Fascists Hiding in Clear View (Posted 8/13/2008)

17. Environmental and Global Warming Issues (Posted 8/30/2008)

18. Affirmative Action and Diversity (Posted 9/16/2008)

20. Oil Company Profits (Posted 10/1/2008)

21. Was America Right to use the Atom Bomb in WWII? (Posted Oct 21, 2008)

22. Saving Social Security Alternative.

23. A Theory of everything

24. Why we don't believe Islam to be a peaceful religion.

25. The Poisoning of America

26. The National Debt Crisis - An Analogy

27. Climate Change? - Do the Math to unveil this Fraud (Posted 4/19/2012)

28. Lazy Person's Guide to Investing

29. Better Spouse Survivor Options at No Cost for Social Security (Posted 9/1/2012)

30. Cost of a Government Job (Posted 9/3/2012)

31. Your Share of the National Debt (Posted 9/5/2012)

32. CBS Ignores Climate Change Truth (IBD Publication)

33. The Ice Is Right (IBD Publication)

34. Can Anyone Explain why Blacks and Hispanics overwhelmingly support Democrats?

35. Federal Debt -Urgent To Unsustainable To Insane (Posted 9/10/2012)

36. Democrats' Unfair Income Tax Cuts Complaints – Taken to Its Logical Conclusion

37. Famous Quotes by our Founding Fathers

38. The Hidden Costs To You of Taxes, Government Loans, and Subsidies (posted 9-19-2012)

39. The Ticking Time Bomb - Unfunded Government Liabilities

40. Being Better Prepared for Natural Disasters

41. Random Thoughts - Questions without Good Answers

42. Beyond Stupid – Laws and Policies of the US Government

43. Income Tax Reform

44. Climate Change Facts

45. How to Cut Government Spending

46. Social Security Inequity toward Working Spouses

47. Ending the Welfare Mess

48. Conducting Fair Presidential Primaries

49. False Claims that Blacks are Trapped in Poverty

50. Fixing Medicare Fraud

51. Better Social Security Benefits at No Expense to Government

52. Why Raising the Minimum Wage Never Works

53. A State with No Republicans

54. Bond votes - An Information Black Hole

55. How to Fix Government Pensions

56. Decisions that the Unemployed Should Quickly Make

57. Unions Should Be Banned

58. Social Security Unfair Taxation
59. Immigration Reform
60. Black Killings - The Real Problem.

61. Political Correctness - The Hallmark of all Dictatorships

62. If I ran for President

63. How NOT to Unintentionally Disinherit Your Children

64. Student Loans

65. Causes of the Great Depression and the Great Recession

66. The Importance of Perseverance

67. Eliminate All Federal Subsidies
68. How Does US Health Care Compare to other Nations
69. Never let Politics Determine Your Family and Friends
70. Invest in Roth IRAs, not Traditional IRAs, plus use Roth Conversions
71. Student Loans
72. Usage and Morality of the Atom Bomb In World War Two
73. Medical Marijuana Needs to be Legalized Everywhere

74. Judges and the Constitution

75. Gender Pay Gap Myth

76. Immigration Reform

77. The Democratic Party – The Party of Slavery and Discrimination

78. Illegal Voting

79. Roth versus Traditional IRAs and Tax Bracket Insignificance

80. Investment Advice for Novice Investors

81. Guidelines for a Happy Marriage

82. Improving Our Public Schools

83. How Much Savings Needed for Retirement

84. Illegal Immigrants - How to Handle Effectively and Fairly

85. Veterans Health Care – How to Improve
86. Police Shootings - Who's Guilty
87. Vegans and Vegetarians Kill more Animals than Meat Eaters

88. The Top 10 Economic Lessons for America with Explanations

89. The Top 10 Laws and Policies Needed in America

90. Federal Tax Cut Historical Impacts on Annual Tax Revenues 5 Years Later
91. Marriage - Keeping the Romance Alive
92. We All Won Life's Lottery

93. Affirmative Action and Diversity are Code Words for Discrimination

94. Dixiecrats and the Democratic Lie that the Political Parties Switched Platforms

95. The Democratic Party has Morphed into America's Communist Party

96. Questions and Thoughts I Never Expressed in Parochial School

97. Doctor Visits

98. Nuclear Power and Waste and Environmentalists

99. Investing – Don't Squander the Giant Advantages of Youth

100. Middle Class Wages Have Not Been Stagnant for Decades

101. If I addressed the United Nations

102. Annuities - Stay Away

103. Minority Advancement – Government Handouts Are the Problem
104. Israel and Palestine – The Universal Consequences of War

105. Eliminate All Federal Subsidies

106. Medical Care is "Rationed" in Europe and Canada

107. Identity Politics – The Truth versus the Democratic Lies

108. A Good Example of Why Socialism Always Fails

109. All Governments Have No Money

110. Major Reasons Why Health Care Costs Are So high

111. Business Cycles – How They Work and Why

112. Black Reparations For Slavery

113. Oil Drilling Off Of Our Shallow Continental Shelves

114. Illegal Immigration and Democratic Unconscionable Actions

115. Federal Budgets – How to Pass One Every Year

116. People Are All the Same Race

117. Evolution and Creation

118. Stocks, Mutual Funds, ETFs – Basic Definitions with Explanations

119. Taxes and IRAs and 401Ks – Don't be Fooled by the Government

120. Inherited IRAs Withdrawals – Strategy for New Rules in 2020

121. Medicare For All – A Terrible Idea

122. Why Do We Still Allow Discrimination in America?

123. Millennials – Socialism is the Most Failed Economic System in Human History

124. Capital Gains Taxes on the Sale of your Home

125. Guidelines on How to Prevent Violence and Deaths in Confrontations with Police

126 How to Avoid Poverty.

127. Racial Issues - Lying With Statistics that Evade the Problem Instead of Solving the Problem

128. Democrats – America's Only Racist Party – Just the Facts, No Opinions

129. The History of Slavery and Public Statues

130. Police Killings – The Truth

131. Poverty – How to Avoid It

132. Stop Taxing Social Security Benefits

133. China - Time to Disengage Completely

134. Financial Advisors - Just Say No

135. Mail in Voting - A Recipe for Cheating

136. How the Democratic Party Tricked and Betrayed Black People

137. How to Stop Illegal Voting

138. Racial Income Inequality is Self-Inflicted

139. Social Justice Protests Are Deeply Flawed and Consequently Won't Work

140.  How To Pass Annual Federal Budgets 

141. Retirement – How to Really Help Americans

142. America – Thank God that We are NOT a Democracy

143. California - Imposing a Liberal Democracy

144. End Social Media Censorship

145. Judges – Don't Allow Them to Steal Your Freedom

146. Credit Card Impact of Making Only Minimum Payments

147. Restoring Confidence in Voting Results

148. Socialism – Why It Always Fails

149. Productivity is the Key to Jobs, Raises, Promotions, and Wealth

150. Stock Market Pull Backs – Did You Really Take a Loss

151. Outlaw All Government Pensions

152. When Are We Going To Stop Taxing Social Security Benefits

153. Election Fraud and How to Minimize It Through New Constitutional Amendments

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

155. Vegans and Vegetarians Kill more Animals than Meat Eaters

156. The Number 1 Reason Why Blacks Are Poorer Than Whites

157. Tax History Lesson # 1

158. Tax History Lesson # 2

159. Poverty Statistics

160. Proof that Voter ID is not a Problem

161. Needed Constitutional Amendments

162. Needed Welfare Reforms

163. A Proposed Alternative to Home Bankruptcy

164. One Person - 70+ million Deaths

165. Get rid of foreign language requirements in high school and college.

166. Outlaw Ranked Choice Voting.

167. Ron Puma's Federal Taxes Plan – A Better way to Collect Taxes

168. Social Security Tax Benefits of Roth IRAs

169. Skin Color

170. Why is it so Difficult For Retailers to be in Stock 100% of the Time

171. My Christmas Wish List

172 Voter Fraud Cheating Rights Bill

173. We are so  much better off then our Ancestors

174. Hot Water Tank Energy Consumption

175. Genders

176. History of War

177. Tax deadlines and Fines

178. Questions I Wished I Asked When I Was In Parochial School

179. Discrimination is Immoral and Should be Forever Outlawed

180. Modern Life – We Take So Much For Granted

181. Gender Identity Realities

182 Non Working Spousal IRAs

183 Solo 401K for Business Owners

184. Communist Economic systems have all failed

185. Family History Questions I Wish I Had Asked My Parents and Grandparents

186. Crime – Let's Get Serious About How to Prevent It

187. Big Bang Theory – There's A Problem

188. Evolution – There's A Problem

189. Where is God's Mercy?

190. Failures of Joe Biden and the Democrats

191. How can the human race be so smart and so stupid at the same time?

192. What I don't like about cell phones

193. How many ancestors do you have?

194. Social Security Taxes Value If Invested

195. Retirement Expenses

196. A Loving and Merciful God – True or False?

197. Democrats and Electric Cars

198. America's Federal Debt as of January 2023.

199. The Fair Way to Conduct Presidential Primaries

200. House Mortgage Warnings and Guidelines

201. Protect Our Police

202. Texts need to go the way of the Dinosaurs

203. Black Economic Inequality - What the News media Are Hiding

204. True Cost of Credit Card Minimum Payments

205. Democrats are Weaponizing the Media , FBI, and Attorney Generals to Attack Republicans Unfairly

206. All nations headed by a dictator are not legitimate governments

207. Mass Shootings and Gun Control

208. The Many Problems with Electric Vehicles

209. Joe Biden's Job Performance the First 27 Months

210. Black People Reparations Have Been Paid in Full

211. Watching TV is No Fun Anymore

212. The Real Heroes of Our Quality of Life

213. The Debt Ceiling and How to Responsibly Eliminate It

214. Retirement has been an Evolution

215. Doctors - Here's Where to Look For a Tinnitus Cure

216.  Social Security Is A Mindless Shameless Government Bureaucracy

217. Tinnitus Marketing Videos Follow the Same Script

218. Catholic Religion Contradiction

219. Abortion

220. The Most Dangerous Cities in America Are Run by Democrats

221. World Population Growth History and Challenges

222. Black Households with Children Income Differences Between Married and Unmarried

223. Everything is Relative

224. Evolution and Creation

225. 2024 Inflation - Who is Responsible - Trump or Biden

226. Do the Wealthy Pay their Fair Share of Taxes?

227. 2024 Trump Policies That Will Benefit You

228. Corporate Income Tax Increases Adverse Impacts

229. Education Failure of Public Schools

230. Crime Deterrence

Crime Deterrence

 Crime exists because we tolerate it. Let's give criminals and potential criminals the fear of God not to commit crimes. The best way to do that is passing laws that mandate execution for the following crimes:

Murder

Attempted Murder

Kidnapping

Blackmail

Rape

Drug Dealing

Driving Drunk and killing someone

Texting while driving and killing someone

Bomb Threats

Deliberating starting wild fires or house fires or building fires

Using or threatening to use a weapon when committing a crime

Education Failure of Public Schools

 hrough 12 years of Grammar and High School, math courses are taught each and every year. Most people never utilize the High School "science directed" math courses they are taught such as Algebra, Trigonometry, Geometry, and Calculus.

Yet the math and Economics courses that they need to know in order to improve their own finances when they become adults, and also to knowledgably vote on what consistently is rated the number one issue in an election - Economics, is almost never taught.

Here are public school courses that need to be added to the curriculum:

1. How paying credit card interest only after a purchase can double the ultimate price you paid in just three years. An interest rate of 24% does that. If 18%, the cost doubles in 4 years. Take the number "72" and divide it by the interest rate to calculate how many years it takes to double.

2. Mortgages and how they work.

A. Calculating the lifetime costs of a home mortgage. Showing that a 15 year mortgage lifetime costs are significantly less than a 25 or 30 year mortgage lifetime costs. B. Showing that interest payments are front loaded into the early years of a mortgage so that very little principal is paid back.

B. Explaining that doubling your mortgage payments to pay your loan off early is both an interest free loan to the bank (do you really want to gift the bank that?) and potentially financially dangerous. Explain that such a move reduces your total savings so that if you lose your job or become too ill to work, you may lose your house to the bank before you can sell it and keep the equity you have in your house instead of losing all of it to the bank because banks keep the entire amount they get when they take over and sell your house, returning none of your equity to you. . Much better to invest that extra mortgage payment because you will likely have enough money to pay off your mortgage sooner, plus you will be in a better position to not lose your home and/or your equity in it in case of job loss or illness.

C. Explain the risks of variable rate mortgages. If interest rates rise, so will your mortgage payments.

3. What you need to know about investing:

A. The difference between stocks, mutual funds, ETFs, index funds, options and puts.

It is especially important to note that mutual funds have high annual fees compared to similar ETFs and that you can buy or sell an ETF when the stock market is open and instantly know the cost but a mutual fund's buy and costs are determined after the market closes. Also, that the S&P 500 mutual fund has historically done better than 70% of professionally managed stock market accounts.

B. The stock market historical growth rates. 100 years of history - Average doubling every 7 years when you put 4 to 5 consecutive 7 year periods together. Though that does not gaurantee future results, the probability is high.

C. The tremendous advantage of youth in investing.

For example, based on historical averages, a 23 year old who invests $1,000 every year until age 65 would collect $64,000 a year for 42 years starting at age 65 while starting investing as a 44 year old would amount to only $8,000 a year for 21 years. If you double the investment amount to $2,000 a year, then you double those returns amounts.

D. The huge lifetime advantages of Roth IRAs and 401Ks over Traditional IRAs and 401Ks.

Using 3C, would you rather pay taxes on $1,000 or taxes on $64,000? Then invest in Roth IRAs and 401Ks.

4. The National Economy:

A. Historically, how nations who went too far into debt had their Economies collapse, putting all their people in poverty and having extremely high inflation.

B. The history of Federal tax cut and tax increase impacts.

When you look at the 8 years following a tax cut, Federal tax revenues percentage growth increased substantially compared to the 8 years following a Federal tax increase. The reason is simple Economics.

1. A tax cut puts more take home pay into peoples pockets. Therefore, they spend more on goods and services which increases the number of workers needed to provide those goods and services. Therefore more people are working and paying taxes which ultimately increases Federal tax revenues collected substantially.

2. A tax increase reduces take home pay. With less money available to spend, the number of goods and services decreases. That reduces the need for workers to produce those goods and services, leading to layoffs and higher unemployment. With less people working and paying taxes, Federal revenue growth declines.