I have come to many forks in the road with important decisions. Many of these decisions, good or bad, changed my life. Decision to enlist in the Military in 1972. Decision to marry my wife. Career decisions and more.
Those who take risks are the ones who prosper, and the ones who do not remain confined to a life of mediocrity.
Change the plan, not the goal.
I was a D/F Student who dropped out and enlisted in the military, yet became a millionaire at 30. Not bragging, just pointing out there’s more to it than age and and grades.
Please read 28th amendment. Please Read, and forward. This will only take 1 minute to read! 28th Amendment, 35 States and Counting.
If you agree, please pass it on. It’s an idea whose time has come to deal with this self-serving situation:
OUR PRESENT SITUATION!
- Children of Congress members do not have to pay back their college student loans.
- Staffers of Congress family members are also exempt from having to pay back student loans.
- Members of Congress can retire at full pay after only one term.
- Members of Congress have exempted themselves from many of the laws they have passed, under which ordinary citizens must live. For example, they are exempt from any fear of prosecution for sexual harassment.
And as the latest example, they have exempted themselves from Healthcare Reform, in all of its aspects. We must not tolerate an elite class of such people, elected as public servants and then putting themselves above the law.
I truly don’t care if they are Democrat, Republican, Independent, or whatever. The self-serving must stop. Governors of 35 states have filed suit against the Federal Government for imposing unlawful burdens upon their states.It only takes 38 (of the 50) States to convene a Constitutional Convention. If each person that receives this will forward it on to 20 people, in three days most people in The United States of America will have the message.
Proposed 28th Amendment to the United States Constitution:
“Congress shall make no law that applies to the citizens of the United States that does not apply equally to the Senators and/or Representatives; and, Congress shall make no law that applies to the Senators and/or Representatives that does not apply equally to the Citizens of the United States ...”
This is an idea that should be passed around, regardless of political party. Congressional Reform Act of 2017
- 1. No Tenure / No Pension. A Congressman/woman collects a salary while in office and receives no pay when they’re out of office. And, no more perks go with them.
- 2. Congress (past, present, & future) participates in Social Security. All funds in the Congressional retirement fund move to the Social Security system immediately. All future funds flow into the Social Security system, and Congress participates with the American people. It may not be used for any other purpose.
- 3. Congress must purchase their own retirement plan, just as ALL Americans do.
- 4. Congress will no longer vote themselves a pay raise. Congressional pay will rise by the lower of CPI or 3%.
- 5. Congress loses their current health care system and participates in the same health care system as the American people.
- 6. Congress must equally abide by all laws they impose on the American people (i.e. NO MORE INSIDER TRADING!!!).
- 7. All contracts with past and present Congressmen/women are void.
The American people did not make this contract with Congressmen/women. Congress made all these contracts by and for themselves. Serving in Congress is an honor and privilege NOT a career. The Founding Fathers envisioned citizen legislators should serve their term(s), then go home and go back to work … not get all kinds of freebies.
A woman dies at age 65 before collecting one benefit check. She and her employer paid into the system for almost 50 years and she collected NOTHING. Keep in mind all the working people that die every year who were paying into the system and got nothing.
And these governmental morons mismanaged the money and stole from the system, so that it’s now going broke. BEAUTIFUL! And they have the audacity to call today’s seniors “vultures” in an attempt to cover their ineptitude. DISGRACEFUL!
The real reason for renaming our Social Security payments is so the government can claim that all those social security recipients are receiving entitlements thus putting them in the same category as welfare, and food stamp recipients.
THIS IS WORTH THE FEW MINUTES IT TAKES TO READ AND DIGEST!
F.Y.I. By changing the name of SS contributions, it gives them a means to refute this program in the future. It’s free money for the government to spend under this guise. The Social Security check is now (or soon will be) referred to as a *Federal Benefit Payment* ?
Please keep passing it on until everyone in our country has read it.
The government is now referring to our Social Security checks as a “Federal Benefit Payment.” This is NOT a benefit. It is OUR money , paid out of our earned income! Not only did we all contribute to Social Security but our employers did too ! It totaled 15% of our income before taxes.(This should be enough for you to forward this message, If not read on.)
If you averaged $30K per year over your working life, that’s close to $180,000 invested in Social Security. If you calculate the future value of your monthly investment in social security ($375/month, including both you and your employers contributions) at a meager 1% interest rate compounded monthly, after 40 years of working you’d have more than $1.3+ million dollars saved.
This is your personal investment. Upon retirement, if you took out only 3% per year, you’d receive $39,318 per year, or $3,277 per month.
That’s almost three times more than today’s average Social Security benefit of $1,230 per month, according to the Social Security Administration. (Google it – it’s a fact). And your retirement fund would last more than 33 years (until you’re 98 if you retire at age 65)! I can only imagine how much better most average-income people could live in retirement if our government had just invested our money in low-risk interest-earning accounts.
Instead, the folks in Washington pulled off a bigger *Ponzi scheme* than Bernie Madoff ever did (or Lyndon Johnson). They took our money and used it elsewhere. They “forgot”(oh yes, they knew) that it was OUR money they were taking. They didn’t have a referendum to ask us if we wanted to lend the money to them … and they didn’t pay interest on the debt they assumed. And recently they’ve told us that the money won’t support us for very much longer. (Isn’t it funny that they NEVER say this about welfare payments?)
But is it our fault they misused our investments? And now, to add insult to injury, they’re calling it a *benefit*, as if we never worked to earn every penny of it. This is stealing! Just because they borrowed the money, doesn’t mean that our investments were for charity! Let’s take a stand. We have earned our right to Social Security and Medicare. Demand that our legislators bring some sense into our government. Find a way to keep Social Security and Medicare going for the sake of the 92% of our population who need it.
Facebook has proven time after time that you can hate Jews, Christians, Trump, Guns, the Wall, Conservatives, or White Hetero-sexual Men — but criticize Zuckerberg, Obama, Moochelle, Hood Rats, Islamic Terrorists, Illegal Aliens, Hilderbeast, Facebook, Waters, Chucky, or Fancy Nancy and your speech will be called hate and racist. 7000+ moderators, none of which I’ll assume are White Hetero-Sexual Christian Men, will find something in their 1500 page “Bible of Banning”.
Share if you agree!
Liberals — please stop moving to Texas. You’re killing us the ways you killed the places you left!
In 2018, Facebook has banned me 11 times for 30-days. I’m seldom un-banned for more than two or three days before banned 30 days again. Every time it’s pure Chickenshit, if I’m even given a reason at all. Look through my page at https://www.facebook.com/dave.schultz1 and you’ll be hard pressed to find anything offensive, but the doesn’t stop Facebook’s Gestapo. I appealed the first couple of times, but they went unanswered.
I just came off a banning a couple of days ago, and was banned again today. So what is the great offense this time?
It was this totally vile photo of me and my Schnauzers Smith & Wesson, which was posted over a year ago. It appears that their Gestapo has me on their harass list to perpetually ban me for 30 days every month. If we were wearing Pussy hats there wouldn’t be a problem. But I digress.
The funny thing about Facebook community standards, they have none for themselves. They’re all over the news today for giving away your private data to their bigger advertisers.
Facebook’s stock has dropped like a lead balloon in the last three months while most other’s have one well. Closed at $134 a share, down from $220 a couple of months ago. If you’re a FB stock holder, you’ve lost have of you’re business. If your retirement is in a Mutual Fund holding Facebook positions, you’re losing money.
The reason for their stock dropping is a combination of the fears of all of the suits against that are sure to come down from US and European government agencies, and the record number of people downloading all of their data on Facebook – which is an indicator that a pissed off person will soon delete their Facebook account. These are very bad trends, and Facebook’s future is starting to look bleak. They’re committing suicide from their Uber Socialist slant on postings an the privacy violations. I just two words to sum up my feelings of Facebook. Fuck Zuckerberg!
If you’re reading this on Facebook, consider sharing with your friends so the see the real Facebook.
To set this up, I’m a service connected disabled veteran, but since the VA Hospital botched up at couple of medical procedures for me in the late 70s, it has always been a priority to always have the best available insurance for my family, and not go to VA Hospital. In my working years before retirement, I always had good insurance. After I retired, Texas had a assigned risk pool, where individuals could pay twice the Small Business Group Rates, but it was still good insurance.
Then came Obamacare. The first year, I had to replace all of my doctors. because none accepted the best Obamacare offered. Last year the insurance was worst yet, and my family was cancelled mid year, not allowed to have insurance for the rest of year, despite three appeals. And then was fined $3000 from the IRS for not having insurance, which I wasn’t allowed to have.
So this year, I’ve had the worst insurance of my life, despite being the best offered on Obamacare. All year long its been a fight of having virtually every procedure and prescription denied. My out of pocket for insurance and premiums and co-pay/no-pay is almost $50,000 this year.
Six weeks ago my doctor ordered a CT Scan of my lungs. First it was rescheduled because the doctor didn’t submit the proper form. Then rescheduled because Insurance company was two weeks backlogged on approval. Then it was denied because I get non-smoker insurance rates (haven’t smoked in 30 years) and the CT was to see if I have lung cancer. We worked through that and I finally got approved. Then Tuesday was cancelled because the Imaging tech called in sick. So today, more than six weeks after the doctor order, I went to have the CT Scan.
Now here’s the part that defies all logic!
I go in, and at registering I’m told my co-pay is $300. I tell her that I met all of my deductible, and she says that she sees that, but my co-pay from the “negotiated rate” is still $300 for CT Scan and doctor reading. So I catch onto the key phrase of “negotiated rate”, and ask what that is. She answers $800 something for the CT Scan and $200 For doctor to read. So I ask how how much would I be paying if I self paid. She said $85 For CT Scan and $60 for the doctor to read. I thought I misheard her, and I asked “so if I go through insurance just my cost is $300, but if I pay cash its $145 total”? She answered “Yes”. So I had her take my insurance information out and I self paid.
This is how screwed up Obamacare has ruined Health Insurance. They spend so much time on hold verifying insurance and filling out so much paperwork and then waiting for payment; and it is heavily subsidizing those who don’t pay shit for insurance (and lets not forget abortions, birth control, child dentistry, drug rehab…. that I’m paying for) that most procedures are cheaper on self pay than your deductible with using your health insurance.
Start asking questions on how much self pay is compared to Insurance Co Pay and you might save a Hell of a lot of money. Share this with your family and friends.