Healthcare bill

http://www.youtube.com/watch_popup?v=G44NCvNDLfc

My latest letter to Senator Lieberman

Hello Senator Lieberman,

I wish to ask you to vote NO in regards to the Obama healthcare bill. This bill will add unprecedented financial burdens on Middle America. We are hurting enough without being taxed more to pay for healthcare of others. The government cannot run Medicare and will not come close to running the rest of the healthcare system. This bill will force less care not more as many great doctors will get out of healthcare field altogether as this bill will prove too costly to all involved. I am quite weary of the actions taken by this administration and the prior one for it’s total disregard of the constitution as a whole and not just in regards to healthcare or any one specific topic. I wish for you to hold the executive branch and others in Congress to upholding the Constitution as you are supposed to abide by. The steps taken by Congress have been on a very destructive path leading to high taxes, capitalist killing laws, and unparallel spending. These are not American values and Congress needs to begin to vote in representation of American people looking for long-term benefits not just short term fixes. Our debts are out of control and what will happen to my future kids when these debts can no longer be paid at a minimum? We need to forget about politics, basic economics tells us our government needs to stop the Federal Reserve from printing money and spending. Inflation in high quantities is at our doorstep and more government interference and Federal Reserve ignorance is not the answer. Our government needs to back away, stop spending and let the free markets correct themselves (With a promise that there will never be another tax payer paid bailout of any one). We are losing over 500000 jobs a week and Obama can tell us his get his friends rich quick scheme (AKA the stimulus package) is helping create jobs? This is no better than Bush’s bailout of the financial cronies. Why does the American government help those who do not do the right thing? Bailing out companies who had poor business practices should have been allowed to fail so other businesses that were smart could thrive. It should not cost me as a taxpayer more money to help someone I already pay a mortgage to. These banks are making loans on fractional reserves and even at a 10% foreclosure rate are still making 9 times their money on each loan and do not deserve to be bailed out. With all of this said, I am asking you to reject any new spending by our government and to begin lowering spending to that which is allowed by the Constitution you are held responsible to adhere to. I think it would be beneficial for it to be read out loud to the House of Representatives, Senate, the President, and the Justices of our great country on television where the people can actually listen to it and what it entails.

Thank you,

Jason Berman

A Future Collapsed Market No One Mentions

There is a future market concern of the masses that I have, something that I have not heard a word spoken of with reservation. I believe in the next two to five years (ten years maximum) the market of life insurance will be deeply troubled and destitute. This will be another market that left consumers with the short end of the stick. I will tell you why and how this will come about, affect us, correlations between other markets, and the end result of this market.

The life insurance market has been, and is currently, very profitable to the companies that offer these types of plans. This is due to the large masses of people who pay monthly premiums for the few who will have unfortunate circumstances for which they get compensated. The issues will arise when the few begin to pay for the masses. This will occur in the not so distant future. As the Baby Boomers get older and slowly die off, the largest population demographic in United States History will disappear. When their families are compensated, less and less people will be paying into the pool from which the money comes. With the large promises of 30,000, 50,000 or 100,000 and more, these markets will swing very quickly from extremely profitable to absolutely insolvent. The companies will bail on the downturn and the people who have been paying into this system for many years will be left to pay the bill and receive nothing in return. This is the exact same issue that now plagues our broken Social Security system. Ultimately, this is nothing short of another form of corporate taxation on the masses. This allows for the elite rich to become wealthier while hurting the everyday person.

The whole idea of insurance needs to be understood by the masses for what it really is, and how it is not in their best interest to become part of it. Insurance, unlike what people like Michael Moore want you to believe, works against people instead of for them. Basic sense tells you two things: One, if you are paying a middle man who profits greatly, you will not get a good return value on the goods and services for which you are paying; two, when costs are socialized people take less personal responsibility for their own actions and health. If the masses truly knew of the markets to which they contribute, they would remove themselves from participation and deal directly with healthcare providers, or save their health and life insurance premiums in a special account in case they do need it. The average family pays roughly 800 dollars a month or more on healthcare premiums alone, and get next to nothing in return for that money.

In the end, the corporate elites will once again profit heavily at the expense of the many. I ask for those who are smart to go against the grain, be smarter and say no to the corporate bailouts, social programs, and corporate taxes such as these on the masses. President Obama thinks that getting everyone covered with health insurance will help lower the costs of healthcare. I say to you that less insurance will help costs of healthcare by taking the middleman out of the equation and dealing direct with healthcare providers. I ask you to question how his version will lower costs. Adding at risk people to health insurance plans will without a doubt raise your costs, not bring the costs down, as their costs will be “socialized” for you to pay.

In closing, please vote for the good of the United States of America so that this nation does not become the Corporate States of Bernanke and Cronies.

Videos

http://www.youtube.com/watch?v=4fHfdSi-GDo&feature=related

Best speech I have heard in a long time.

http://www.youtube.com/watch?v=00ECLxK2YTs&feature=related

http://www.youtube.com/watch?v=ujo_O7ERxlY&feature=channel

The future of America

The country that I love and support America. Where is it heading? The republicans create unjust wars to spur the economy and remove rights. The democrats tax us more and spend more and promote unwise practices and also remove rights and create requirements. I sit and think to myself how do we allow this to happen. In Connecticut we have not quite Chicago corruption, but our representatives are completely useless. Peter Schiff and Linda McMahon through their names into the mix and may finally get a few people who would provide some real change. I dislike McCain and did not vote for him, nor for our current president, but how did a senator who never introduced a bill for vote become president? Useless as a senator and useless as a president. He is following Bush's lead on every single issue besides healthcare, which if you really look at it is just another tax on us if it becomes a requirement as he wants. We are Americans nobody requires us to do anything. People we are supposed to be free act like it and embrace your freedom. Honor those who fought for your freedom and do not let it slip away. It is sad that it is our government who we need freedom from more than any terrorist, country, or demographic. May God bless America and every man be free.

Question for everyone to answer.

Here is the question I have for all people to ask themselves. Would you forgo immediate positives and endure short term pain for long term prosperity?

This question hits on a lot of fronts for me on a personal and political level. I am always looking long term and what is best. I typically spend like a "Jew" (with a last name like Berman go figure right lol) finding the best deals and only buying needs not always wants. I save my money and live beneath my means. Why you may ask and it is to be better off in the future. I was laid off from my job back in December 2008 and took a huge cut in pay, but because of saving and already living under my means we really did not feel it that much because we spent the same, slightly less during that time and saved just a little bit less. If we were in debt and spending out of control previous to that point that situation could have stuck us in bankruptcy.

Now my question is why does our government support the opposite? Grocery list of examples.... After 9/11 they wanted us to give up freedoms short term to fight "terrorism" with the un Patriot act for the long term good. What happened here we gave up freedoms on a bill that was written in 1999 two years before 9/11 that is now being used for domestic survellance of law abiding citizens and law breaking drug dealers not terrorism at all. We lost short term and long term with this Unconstitutional act passed by congress. Next the bail out of the banks who cut themselves a blank check signed by us the taxpayers. The government rewarded short and long term bad investments (some of which was promoted by idiots like Barney Frank in the case of fannie and freddie mac loaning big money to low income people to "promote equality") by the banks with giving them a blank check saying hey make all the dumb moves you want because we will print enough money for you to stay afloat.

Our government wastes money left and right of tax payers money and the printing presses go on non stop for both long term and short term pain that we will all feel. Is it one side of the aisle or the other to blame? Yes all of the above. We need to get the government to spend within their means without printing more money to create more means. People who want to give money to the poor should do just that. The people of this country are great and need to take it upon themselves to help one another out. It is the Churches of this great country who need to step up to the plate and help its people out. It is not the governments role to take my money that I worked for and give it to someone else. For every dollar it takes in for this purpose only 30 cents is given to the people who need it anyways. They want to tax everyone more and more except for the poor who don't pay any tax and wonder why the poor do not get good jobs. Simple those who have money to pay people to work for them are paying too much taxes to hire extra workers. Bringing congress within the constitution and removing the federal reserve who tries to control the markets will be a great step forward in bringing taxes down and banks into better self regulation without the fallback support of the federal reserve.

Long time no post

I have not made a post in a while and I have lots to talk about.

I will just touch on a few issues such as healthcare, taxes, and spending money wisely.

First off is healthcare. I want to bring up a "totally cost effective approach" to fund healthcare that will save 80% of us money. Don't have health insurance. Wow such a bad idea? Well if my very basic math serves me correct Americans spend 3 Trillion dollars a year on healthcare. On Average that would be roughly 10,000 per person based on 300 million people. Ok now insurance companies billions of dollars, pay employees billions of dollars and executives make millions of dollars. Now wipe that away and that is roughly 1.2 trillion dollars. Let say .2 trillion will need to be used for more billing people by health care providers and 1 trillion is saved by cutting out insurance. Then healthcare will now average 6,666 per person. The new bill by Obama basically cuts out most of the healthcare cost to seniors who are covered by medicare or older people pre medicare. If we use the same system we have now and make those same cuts we would save Billions more than under his plan without forcing anyone to do anything. He is correct that the elderly are the biggest healthcare cost, but is this the correct way to solve the liberals failed medicare plan, by forcing younger people who may not need healthcare to pay for it? Is it fair to force an up and coming business to insure part time employees and lose capital to grow and become that bigger business and hire that person full time at a later time? Is it fair to ask someone who stays in shape, eats well, and does the right thing to limit their health risks to pay the same premium as someone who smokes, does not exercise, eats junk food and does drugs. Is it fair to force a free society to do anything? The answer is simple, No.

Taxes are a big issue with me. The Boston Tea party was over taxation without representation. Now that we have "representation" is taxation justifiable? To a point yes, to it's current levels, NO. In 1895 the US Supreme Court voted on and deemed that income tax was unconstitutional. In 1913 the 16th Amendment (which was never ratified by Connecticut*, Rhode Island*, Utah*, Pennsylvania, Virginia, and Florida - *=voted against) was passed. One effectively gave congress the power to tax. It began with a 1% tax on incomes above 3,000 and 6% on incomes over 500,000. Today that would be like 60,000 and 10,000,000. The point is we are paying 22-39% all of which is well above it's intended rate. Remember incomes go up as does spending, but percents should remain level and they have not. Also remember we are also now paying several taxes and not just income tax we are also taxing more people with population growth and two income families. We pay income tax for federal and state, social security tax that we will never see back, property tax, car taxes and lots of fees, sales tax, gas tax, and many other fees and taxes that we should not have to pay. We need to revert back to our roots and make sure our representation knows who they represent. Also note that during the Depression Taxes were raised and the Depression got worse, do not make repeat this path Mr Bernanke, whom is a Depression specialist, please stop making the same mistakes leading us down a bad path.

Lastly, Spending money wisely. This is to both my fellow Americans and to the government of our wonderful country. My friends who have credit card owned big screen televisions with tons of other unneeded swipes, bank owned cars, and 100k in student loans and have just got started. Stop spending money you do not have. If you make 1000 bucks every two weeks why would you have rent/loans more than that amount each month plus these other debts? This is stupid spending. Live slightly below your means and save a few dollars. People who lived above their means are part of the reason the economy is in the bad shape that it is in today. Which leads me to the Government. Why would you give my tax money and my children's tax money to banks who made bad loans to people who they knew could not afford loans and most of which were bad with money in the first place? Is it not their own fault? Let them fail. two 700+billion dollar bail outs plus billions more to fannie freddie aig and the auto makers.

Lets deal with the banking industry first. Lets see we have a banking industry that does fractional loans and they are telling us they are losing billions of dollars. I love basic math so here we go again. Fractional loans are done at 1o x the real monetary assets by the bank supported by computer numbers. Basically the bank can loan out 10 times what it actually owns. So lets say a bank has 1,000,000 dollars it can loan our 10,000,000. Now on that 10,000,000 it loans out over 30 year mortgage they triple their money. So now they turn that 10,000,000 into 30,000,000. So they actually have 1,000,000 and turn it into 30,000,000. 30X their money. Now they say between 5 and 10% of loans were defaulting. that means at 10% 3,000,000 or they would turn 1,000,000 into 27,000,000 instead of 30,000,000. Either way we just got robbed. Now for those like myself who is paying my loan and taxes, I paid for my loan and part of someone else's who was not smart with their money. These banks are corrupt and own our government as I have stated many times. The banks are the controlling stake in the federal reserve banking cartel who is not a part of our government it is a private company. The federal reserve controls our treasury who basically controls our congress. Tim Geithner was the president of the New York federal reserve bank. He is now our treasury secretary (who also did not pay his taxes) As president of the New York federal reserve bank he answered to a few people. Those being the major national banks who do business in New York which means all the national banks. These are simple ties to follow. I also believe that fractional banking is a scam as they are loaning people money they do not have. Last I checked that was stealing.

Moral to the story be smart with your money, be responsible for yourself and be strong in your opinions and actions.