Okaaayyy This is one of those really weird trains of thought.

imagesI was scanning the year end news. I know… BAD Idea!

Anyway,

Black Lives matter has made their presence known all over the place.

Many of the folks in the group and their leaders have been published saying stuff that paraphrased reads like “Kill the white devils!”

The Knock Out game is still being played in cities across the land. Victims are usually white. All the victims have been hospitalized and many have died. In the news rooms around the country the sound of crickets is the only sound of outrage to be heard.

If you want to see outrage, have a black person CLAIM to have been called the “N” word by an unidentified person driving by in a truck.

The President wants to import Syrian refugees, BUT Daesh has said they’re going to pepper the refugees with extremists with orders to do violence here in the states. Terrorists  are already well entrenched in the West and are not only threatening violence, but have committed horrific acts of terrorism in western countries.

Then I thought, I will not submit to EITHER of these groups. I will not bow, I will not convert. I was thinking i need to find a WHITE only country. A place where I could feel safe.

nar-sealThen it hit me.

We are well and TRULY FUCKED when the NorthWest Front starts to look good!

Section one of their proposed constitution turns me off immediately.

Yeah, I read it, and wow! There are a couple of things in their document that I actually agree with, but, and this is a big BUT so much of it sounds so very much like the Hitler’s NAZI party, that I can’t even begin to feel like they’re any kind of alternative.

There has to be something somewhere in the middle. Something between sanctioning an angry permanent victim class, and excluding people based on sexual, religious, behavioral, or racial differences.

This isn’t the country I was built to live in and I don’t want to live in a country that’s heading in the direction we appear to be going.  I thought that we’d have gotten past this kind of stuff by now.

Apparently not.

Thank God I didn’t see this live

There are times when you just have to appreciate the bluntness of a military man.

Retired U.S. Army Lt. Col. Ralph Peters didn’t mince words Monday when asked about President Obama’s strategy on tackling and destroying ISIS — and was suspended by Fox News for it.
– via Guns.com

When I watched the video and Lt. Col Peters delivered his comment I’m very glad that I wasn’t eating or drinking anything. I’d have choked to death!

“Look, Mr. President we’re not afraid we’re angry, we’re pissed off, we’re furious,” Peters said. “We want you to react, we want you to do something. You’re afraid. I mean this guy is such a total pussy, its stunning. And, you know, we want — we the people, the American people, whom he does not know in any intimate sort of manner, we want action. We want action against Islamic State and then — then, when the president is telling us he is going to destroy ISIS.”
– via Guns.com

Here is the video, Enjoy it.


I found it interesting that the Fox Anchor didn’t stop the Lt Col. until the Lt. Col. called the people in Ferguson, MO “Thugs”.

Sometimes I think about stuff that I probably shouldn’t

Creditcards

Lately I’ve noticed that the APRs and most especially the Penalty APRs on credit cards have been rising. 

The next time you get a statement from your credit card issuer take a good hard look at the fees and the penalties.

What caught my attention was that many of those penalty APRs are damn close to 30%

Creditscore Propaganda

The credit reporting agencies and the banks consistently tell us that closing credit card accounts is bad for our credit rating.

I think losing your job and being late on a credit card is a lot worse for your overall quality of life (screw the credit rating) because at 30% penalties you’re quickly thrown into bankruptcy. Even a relative low 10,000 combined balance on various cards could screw you six ways from Sunday.

Punishment

Think about it, that’s 3000 a month the banks are going to increase your debt by, every month, because you’re being punished by a shitty economy.

The way the text reads, the banks can increase the interest on the entire balance to 30% regardless of whether you return to making payments on time or not.

$3000 is a house payment in some places. For other folks, that’s their entire monthly take home pay.

It makes me think that I don’t want that kind of exposure. Even though I pay the bills, and have been paying the bills like clockwork, I’m uncomfortable with that kind of exposure should I fall on harder times than I’ve already fallen on.

BUT the banks and credit agencies keep scaring us about damaging our credit scores. So we keep on using credit cards and our balances keep creeping up and we all know in the back of our minds that it’s an addiction.

I find myself wondering if the damage done to my credit rating by closing accounts would be worse than missing a payment.

Addiction

Then you look at the way the banks calculate your credit worthiness and you realize it really is a scam designed to feed an addiction.

Banks and credit reporting agencies say you have a better credit score if you’re using less than 30% of your available credit. 

You can do this by having a single card where you don’t use more than 25% to 30% of the available credit, or you can have multiple cards where you use less than 30% of the combined available credit.

This incentivizes you to get more cards with higher limits, increasing your exposure to major problems if you lose your job.

Most Americans are living from paycheck to paycheck and are less than one month from late payments on a variety of debt. Even if they’re eligible for unemployment benefits, they still won’t be able to pay for necessities much less credit card bills.

So in less than 2 months, someone can fall from the middle class to homelessness and have debt accruing that will in many cases destroy them even when they’re lucky enough to get a job again.

What about the case where you have NO credit cards, a house, and money in the bank?  Guess what? You any not have a credit rating, or if you do, it’s a poor one. 

wad o cash

You’ve opted out of the addiction cycle therefore you must be punished with a shitty credit rating.

It’s even possible that you could have a couple hundred thousand in liquid assets BUT you might not be able to get a cable TV account, because you don’t pass credit muster.

This, in my humble opinion, is a seriously screwed up way of living.

I’m planning to un-addict myself as soon as possible. I realize that switching to a cash economy will also mean that the government will be taking a closer interest in my banking.

After all If I’m using cash… It follows that I must be a criminal doesn’t it?

Last act of defiance

I was thinking about the way I used to live before I had credit cards and bills and all the rest of it. I’ve realized that I’m over the credit economy. I really prefer spending real cash, knowing where I stand, and not worrying about credit scores and all that crap.  

I guess I’ve reached the point where I’m willing to opt out of continuously being terrorized by an arbitrary numerical rating of what is essentially measuring my honorability and honesty.

I find it doubly ironic we’re all held hostage to these numbers, especially when you consider that the housing bubble and financial implosion of 2008 was caused by people with stellar credit ratings, who were inherently dishonest as hell.

I guess I’m feeling like the mouse flipping off the eagle (or cat) in a last act of defiance.

Now This Really Pisses me off!!!

DavidLoPan

I swear the TSA and our government have got to be a bunch of idiots!

I hate being taken for a fool and god knows the TSA loves to assume the American People are idiots. Worse though is when the TSA assumes that our enemies are idiots.

Years ago, LONG before the TSA existed I got into trouble, as in “detained” for questioning the logic of the people running the metal detectors.

Back in the day, they’d have us turn on our equipment, then they’d look through the lens of our SLR film cameras and wave us on to the metal detectors.

I pointed out once that a variety of explosives are very stable, powerful, and require a blasting cap or its equivalent to detonate. Given these facts, were I someone that wanted to do something bad I’d actually want there to be power in a laptop or similar device. 

SLR Camera

At that same time I also pointed out that looking through the view finder of an SLR camera tells you absolutely NOTHING about what might be in the film compartment.  (Yes, it was WAY back in the day!)

When the nice security men & FBI finished questioning me, one of the agents asked me what on earth possessed me to cause a scene in a boarding line at an airport?

I responded:

I didn’t cause a scene, I simply made some observations… out loud.

I continued, if someone is going to inconvenience me in the name of safety then by god DO IT and be safe about it.

MetalDetectors

No-one is safe if our safety is an illusion. Simply going through the motions of insuring my safety is an insult and a waste of mine and everyone else’s time. If you’re concerned about a bomb being in a laptop then really inspect the laptop. 

If you’re concerned about explosives in an SLR camera then open the damn camera and LOOK inside.

But best of all, make us put everything through the damn X-ray machine. Then you can actually see if something looks amiss inside our computers, cameras, cellphones, backpacks, purses, and god knows what else people may be carrying onto the damn airplane.

The agent smiled.

He told me he didn’t want to see me ever again in one of questioning rooms. He told me I was smart enough to understand that, “Theater” could sometimes be a deterrent, and that I wasn’t incorrect about the stuff that could go boom.

I saw his point, at the time.

I happily flew for many years after that encounter. I also noticed that the security folks began asking all passengers to put all their stuff in the X-ray machines.

Why am I pissed off now?

Because we’ve come full circle!

Abu Bakr al Baghdadi YouTube

The difference is that our enemies have access to stuff that is more destructive, and those same enemies aren’t using bombs as a negotiating tool (as the folks who claimed they had a bomb then ordered the pilot of a plane to take them to Cuba).  Today our enemies are willing to blow themselves up and take other people with them.

SO why are we engaging in this silly bit of theater?

The DHS says they’re worried about so called undetectable bombs…

Okaaayyy. 

Then doesn’t that presuppose that the people building these sophisticated bombs are smart enough to build them so that powering up the devices won’t set the thing off?

Lets give our enemies credit for at least being able to use the knowledge they gained going to western colleges.

I resent the theater today more than I resented it back at the dawn of time.

Theater isn’t going to protect us from Jihadists intent on causing us harm. 

If our government is serious about protecting us, then they need to terminate all financial aid and make sure that ALL funds to and from terrorists cells in our country are cut off.

The Hamas mouthpiece CAIR should be deprived of all funding originating outside the US and should be prevented from transferring any funds out of the country. Which means preventing the French bank BNP and others from obfuscating the sources and destinations of transactions. 

(For god’s sake it’s an annoying odyssey for honest citizens to open bank accounts with piddly sums of cash. How the HELL can international banks get aways with this stuff?)

We shouldn’t be providing Syria weapons.

The Muslim Brotherhood is another organization that we have no business supporting.

We need to be depriving these terrorist organizations of their funding, weapons, and communications.

It’s interesting that ISIS is waging an impressive recruiting and PR campaign via Twitter! That needs to stop.  If that means giving the Muslim countries their dreams of internet isolation from the rest of the world, so be it.

Last, and most importantly we need to stop the politically correct bullshit. I’m not suggesting that we become a bunch of racist xenophobes, I’m saying that we need to have all the information about the goings on in our country.

That means we need to see the reports about honor killings, like those recently uncovered in NJ. We need to understand how Islam is influencing our country for good or ill. We need truth, and fearlessly honest reporting to return to mainstream news.

I firmly believe that in the light of truth, we as a people will be better able to make decisions that are in our best interests.

Make no mistake, it’s not a sin to act in your own self interests.

Even the Occupy Wall Street people figured that out.

A slow news day…

This morning over my morning coffee I noticed that the News feeds hadn’t changed their headlines much.

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The news lead on Google is about the botched execution where the inmate later died of a heart attack. 

While that’s an important issue I’m somewhat disinterested. The inmate died. That was, after all the desired result of the execution.

That the inmate died in a way that was not according to plan and obviously less than peacefully isn’t something I’m particularly worried about. I presume that his victim(s) didn’t die peacefully either. Perhaps this was simply Karma playing out.

I’m ambivalent about the death penalty.

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I used to be a staunch supporter, but now I’m not as sure as I once was. I’m not in favor of the death penalty today because there have been so many instances where the person convicted of a crime had their conviction overturned by DNA or witnesses recanting their stories.

Given these occurrences, I’m not sure that taking another persons life is truly the best solution. Death is final, conviction of a capital crime, on the other hand, may not be.

Regardless of where you stand on the death penalty, we as a society all bear the responsibility for throwing the switch.

Each of us is taking another person’s life by proxy. That responsibility is something that I am not convinced I should accept. 

As a result, I have voted NO in recent elections where the Death Penalty was on the ballot. Even with my NO vote, if executions are still being carried out in the name of the society (of which I’m a member) I still bear responsibility for taking another’s life.

On the other hand, if I were to see someone kill another human being during the commission of a crime with my own eyes… 

Sorry… Mr Killer, you’re a dead man.

My thoughts on this subject may be confusing to some, but this logic illustrates a point.

You don’t have to be 100% in either the liberal or conservative camp. You can use your mind and information to decide what you think is right or wrong from either side of the political coin.

In general I think our “News” organizations are failing us and that they have all become so biased as to be unreliable.

Cases in point

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Why hasn’t the media picked up on the recently retired Representative Keith Farnham (D) from Illinois being charged with possessing child pornography?

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From Breitbart, Why haven’t the Media Outlets reported the other cases of BLM overreach? There’s an interesting article here  discussing a “Land Grab” in California. Essentially the property owner has had his property value reduced to zero because he can’t build, subdivide, or sell the property to anyone except an organization that will then turn the land over to the BLM.

This guys had this kind of thing happen to him twice with two different pieces of land! 

There’s another piece on Breitbart about the BLM that further illustrates government overreach.

This stuff is Newsworthy. 

These articles are exactly why the media is supposed to be unbiased. Without the media, these kinds of abuses go on every day and allow our government to become more powerful, more abusive, and less American every day.

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Conservatism is no longer he ravings of a few disgruntled rich, fat, white men, or the lunatic fringe whose poster boy is Rush Limbaugh.

Each and every one of us should be concerned and taking notice. If a low level organization like the BLM can get away with this kind of thing, it begs the question;

What can higher level organizations get away with?

Thank God for Obamacare. (NOT!)

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What follows is my personal experience in the odyssey of trying to obtain and / or keep health care insurance.

In March of 2013 I obtained a personal healthcare policy at a substantial savings over the nearly $700 dollars a month I had been paying under COBRA.

Yes, I was unemployed, I still am unemployed. Make no mistake, my unemployment isn’t for lack of trying to find something. I’m old (in my 50s) so obviously I’m not employable anymore and everything I know about anything is of course null & void.

I’ve applied to retail places, I’ve applied at Apple as a retail store clerk, I’ve applied at places that I should have been a shoe in. But nothing has led to my obtaining gainful employment.

So here I am, unemployed, with no unemployment benefits. I’m still paying my bills by using my 401k and being eaten alive with the penalties incurred from early withdrawal of funds.

I’ve got scary amounts on my credit cards and I’ve been just trying to hold out a little longer.

Ok, maybe I’m a foolish optimist, maybe, I should have cashed out and moved to South America or Indonesia when I could live for a good long time on the cash I have, and simply checked out of the rat race.

I haven’t, I still have hope. I still believe there is a place for me in the society of my birth. Albeit I’m starting to question that belief.


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In November or December I received a notice from Anthem saying the due to Obamacare my policy was going to be cancelled.

I called Anthem and was told that due to the lateness of the notices, I had the option to extend my policy to February.

I thought “Cool” that will give the whole Obamacare rush and ensuing nightmare scheduled for January 1st, time to settle.

There were, and still are so many unknowns about the way that Obamacare is going to affect the health care industry I figured by mid February the information would be more available and I’d be better able to make an informed choice as a consumer.

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So I told the Anthem representative I wanted to take the option. The representative said “excellent”, took some additional information and we terminated the connection.

Flash forward to yesterday. A routine monthly RX was suddenly denied. The pharmacy says that I need to show them a new insurance card, which I don’t have.

I’m thinking WTF?

I do some checking and find that the Anthem automatic deduction from my checking account didn’t take place. It usually happens within a 5 day spread we’re three days past that 5 day spread.

I’d noticed the billing was late but hey it’s January and they have to be busy as hell thanks to Obamacare.

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Apparently, I’m now in an indeterminate state with my insurance. I’ve spent the past 4 hours on hold trying to reach an Anthem representative and had the call dropped 5 times.

This is not an issue I can fix on their damn web site, or via their voice recognition computer, I need a human being because something has clearly gone awry but I have no capacity to correct the problem (whatever that may be) by myself.

I did get a letter of explanation about why my original policy had been cancelled.

I apparently absolutely must have pediatric dentistry as part of the policy.

Since I have no children, I’m confused about why my health care policy was canceled to force me to add a service I will never use.

There have been reports of other single men across the country having their policies cancelled because their existing policy didn’t cover mammograms, pap smears, and other related singularly female issues.

My Anthem Dental policy recently FAILED to cover any part of a necessary treatment like a crown and refused to cover a necessary filling. But my new policy will, by God include pediatric dentistry.

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I’d already decided that I wasn’t going to do a Dental policy when I selected the Obamacare approved policy in February.

My current Dental policy was costing more yearly, than the cost of 2 cleanings and once yearly X-rays, if I were to pay for these services out of pocket.

Since it didn’t cover much in the way of other dentistry I figured why bother? I’ll shop around for a dentist on my own and we’ll figure out a reasonable price for services on our own.

I’m confused by all these required services being required in every single policy. If I were to get married I’d review my insurance policy and make appropriate changes. If I were to become a father I would again review my insurance and make necessary changes.

In point of fact, these LIFE CHANGES have always been accommodated in corporate policies regardless of open enrollment periods.

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I find myself completely confused and pissed off because Obamacare is screwing over the healthcare system. for the sake of maybe 10% of the population. But the other 90% of us are being absolutely FUCKED.

When I say FUCKED, I mean hard, fast, and dry!

When I found out there’d been a problem with my RXs, I asked the pharmacist what’s it going to cost for me to just pay for the stuff I need? The answer was astounding, $297.00!

And that is for generics!

I thought generics are supposed to be cheaper. Which led me to wonder what the “real” drugs cost. Would I be better off going to Tijuana and filling my RXs there? Or should I contact a Canadian Pharmacy and have a lovely 3 day weekend in Toronto once every six months?

OH Wait… That’s right, our FDA says the Canadian Drugs or Tijuana drugs aren’t the same, or as safe as the American versions.

Right! We’re expected to believe this in light of the defective Warfarin from China a few years ago?

Or the Oxycontin debacle, or the Indian drug company that had glass in it’s Statin products.

Or the other Indian drug company whose drugs were not at the correct concentration, or even the correct drug in some cases, or otherwise contaminated?

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The FDA is full of shit and obviously in collusion with big pharmaceutical companies. But the FDA still wants us to believe American drugs are somehow safer than their foreign counterparts.

Uh, sure, yep, I’ll believe that.

In a pigs eye!

As I move into the fifth hour on hold I find myself wondering why I, and apparently a large chunk of average American citizens are being punished to provide insurance for a relatively small portion of the overall population?

It would have been far easier, and certainly more direct for the federal government to just PAY for all coverage for that part of the population. Or the government could have required that the insurance companies pay for the uninsured population out of their obscene profits. That would have had the same effect.

Yet we have a congress that apparently passed Obamacare without reading it.

Those members of congress that did read the law, raised objections and have subsequently been painted as some evil caricature of satan because they actually did their job and questioned the far reaching impacts of the law.

Any average citizen who questions the effectiveness of Obamacare is similarly painted as a racist, GOP RWNJ (Right wing nut job), and evil beyond all of Satan’s inner circle.

Discussion of the subject is more forbidden at the holiday table than religion, politics, or the next superbowl winner.

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Many in the medical profession have been warning of massive disruptions in medical care and irrevocable changes or damage to our system that will likely leave our healthcare system in shambles.

Doctors are retiring early because they see a situation where they will not be able to provide their services without such intense government intrusion that compliance with government regulations will trump patient consideration.

I myself am once again looking at a 700 per month bill for insurance (per the conversation of December.) But my policy isn’t substantially changing.

After SIX hours in a hold queue I finally got an operator who had stuff on the ball and who was able to help me. Yeah, you read that correctly. SIX hours!

I still didn’t get all the stuff done I needed to with regard to the routine maintenance of the policy. But I was able to get the correct numbers to get the RX filled.

I’m grateful to that lady and I hope she had a great day.

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As far as the rest of it?

I’m really starting to believe that Obamacare should be terminated before the damage done to the healthcare industry is irrevocable.

Of course since I’ve said that, I’m automatically a rabid, racist, gun totin, GOP RWNJ.

Hey ultra liberals, you may want to be very careful how you paint me. I might decide to own it.