A Polar Bear Market?

Can Santa tame the beast?

A POLAR BEAR MARKET

2018 has been a financial roller-coaster. Essentially, after a fantastic start, the financial markets had two corrections in one year before entering bear territory in what has been the worst December for the markets since 2011. With one shortened trading week and a day next week left, it is unlikely that the markets will close in the black this year. For nervous investors, this has been a financial heart-attack. The Dow is still in correction but poised to potentially enter a bear market, as is the S&P 500 which has reported that over 60% of its member companies are bleeding red. On Friday, the Nasdaq Composite confirmed that it is officially in a bear market for the first time since 2008.    

A very important thing to remember is that despite the negative financial press, the market is still up compared to where it was two years ago. in fact, before the Dow hit its record in January, it had set 96 new record closing highs since the 2016 presidential election.

Date Jan 3 Jan 4 Jan 5 Jan 9 Jan 11
Close 24,922.68 25,075.13 25,295.87 25,385.80 25,574.73
           
Date Jan 12 Jan 17 Jan 22 Jan 24 Jan 25
Close 25,803.19 26,115.65 26,214.60 26,252.12 26,392.79
           
Date Jan 26 Sep 20 Sep 21  Oct 2  Oct 3
Close 26,616.71 26,656.98 26,743.50 26,773.94 26,828.39

In all, the Dow Jones set 15 record closing records in 2018, and has had over 111 new record closing highs since Donald J. Trump was elected President in 2016. As of the close of business on Friday December 21st 2018, the 52 week high-low range for the DOW was 22,396.34 – 26,951.81 .

For comparison let’s look at the closing numbers of all three US stock indexes for the same day of December from 2016 to 2018

INDEX Dec 21st 2016 Dec 21st 2017 Dec 21st 2018
DOW 19,941.96 24,782.29 22,445.37
S&P  2,265.18 2,684.57 2,416.62
Nasdaq  5,471.43 6,965.36 6,332.99

  

Consulting the data in the chart above shows that although we show financial losses over the past 52 weeks, the gap between the losses is not as great as the peaks and valleys of the highs and lows experienced in 2018, and if you go back another year to 2016, we are way ahead of where we are now vs. then.  

This is why people who panic and pull their funds out of the market every time they hear a negative financial report lose money. This is why it is important to keep records, and focus on the big picture instead of reacting to every negative tidbit that we overhear. If you would have pulled all your money out of the market on December 21st 2016, and put in it a jar under your bed, you would have LOST money. Likewise, when the markets re-bounded in October, had you moved your funds out of the market, you could have locked in gains. As I am an optimist and felt the market would rise even higher in December, I rolled the dice and got craps. Despite this, I have still NOT LOST MONEY, because I am still invested in the market, and the market will rebound again, in time. You cannot time the market. Statistics have proven that attempting to time the market’s highs and lows do not provided as high a return as staying the course and playing the long game. One of the best books I have read on this topic is Unshakeable by Tony Robbins. Market panics are often caused by fools that don’t really know what they are doing. Knowledge is power and the more you read and retain, the greater your potential for success in life. All of the information that I have read indicates that the Dow will hit 30,000 by the end of Trump’s first term, and will hit 50,000 at the end of his second term when he wins re-election in 2020. Make no bones about it, if President Trump does not get re-elected in 2020, it would be a financial disaster for the USA. In the history of the Dow Jones Industrial Average, 10 of the 20 best single-day gains occurred so far under his administration. No other US president has done better.     

  • 03/26/18 +669
  • 11/28/18 +618
  • 02/06/18 +567
  • 10/16/18 +548
  • 11/07/18 +545
  • 03/09/18 +441
  • 10/30/18 +432
  • 04/10/18 +429
  • 02/08/18 +330
  • 04/04/18 +230

I understand that there is a sizable percentage of the population that has been misled into thinking that Donald Trump is bad for America. The majority of successful people would tend to disagree because President Trump is good for business, and business is what drives our economy and creates jobs. I did not become rich by accident, or because I won the lottery, or received an inheritance. I worked hard, studied, and invested my money. I am a life-long Republican and support president Trump 100%. You can choose to love the president like I do, or you can continue to sit in your negative echo-chamber and sulk like some Grinch.

GRINCH

We are responsible for the choices we make in life, and it is a hard thing to change our mind about long-held beliefs. No one is keeping you from succeeding in life except yourself. Not God, not your parents, not president Trump. You!   You are the architect of your own happiness or misery, and as long as you have air in your lungs, you have the potential  to change your life for the better. You can do it, I believe in you!

InstantCoffeeWisdom.com will return on Sunday, January 6th 2019. Merry Christmas and Happy New Year! As Always, I wish you success and happiness!

Fruitcake! Oh, you shouldn’t have!

Making the case for giftcards.

Fruitcake

Christmas is the most wonderful time of the year according to numerous cards, songs, and movies. For some people the holidays are filled with stress as they obsess over various topics some of which are related to the practice of gift giving. ‘Tis the season to go broke for many people who go way over-budget on holiday spending. Unfortunately, many times we  end up giving some people on our lists ‘the perfect gift’ which ends up being something they wouldn’t have purchased for themselves ever, even if it was on sale 95% off, and they had just received a huge Christmas bonus in their paycheck.  Everyone has different tastes, and some people are just impossible to buy presents for.

To top it all off, It’s probably also impossible to get gifts for our entire family, as well as every friend you know.  So we agonize over who gets a gift and who doesn’t.

“You’ll Shoot Your Eye Out, Kid!”

In the 1983 film ‘A Christmas Story’, a young boy named Ralphie obsesses over the only gift he wants for Christmas, a Red Rider BB gun. Everyone he tells this to, including the mall Santa, admonishes him that he’ll shoot his eye out.  It’s a silly movie, and a little fun. I’ve watched it and at least one cable channel TNT shows the movie on a continuous loop each Christmas, but it’s no ‘It’s A Wonderful Life’. Now life seen through the eyes of a child are very different from the view of an adult. When we were kids, our parents were probably the only ones who knew what we wanted for Christmas, and as children our lives were over if ‘Santa’ failed to deliverer the coveted item. I’ll be the first to admit that I was a spoiled brat as a child and cried when I got sensible presents like socks and a warm coat. Now as a grown up, I want what ‘I want’, and sometimes I get an undesirable gift. It’s disappointing, but it’s not the end of the world.

The gift that keeps getting given.

One ‘option’ that we as adults have adopted to deal with the unwelcome gift is the practice of ‘re-gifting’. Re-gifting in and of itself is not a  bad thing, but it can backfire. Whenever you re-gift, make sure it’s not in the same circle of friends, and NEVER EVER EVER re-gift  within your family. You don’t want to give the fruitcake ‘Aunt Francis’ gave you, to ‘Uncle Billy’.  Also make absolutely certain that there is no tag or personal note anywhere in the gift that identifies it as a ‘re-gift’. Think of these ‘twice-given’ gifts as recycling, and as a way of being thrifty. Just because you don’t want it doesn’t mean someone else wouldn’t appreciate it.  If it’s something that you absolutely ‘hate’ keep in mind that re-gifting a despised item may elicit the same reaction in the receiver as it did you. If they in turn re-gift the gift, it might end up coming back to haunt you, like the Ghost of Christmas Past, or that infamous  fruitcake that seems to be the same fruitcake that has been around, and around, and around.  

Paper or plastic?

Cash is king, but some people still think of cash as an impersonal gift. Sticking bills in a envelope is probably the easiest gift you can wrap. The other option is the gift card. Like cash, a gift card enables you to give a gift that the recipient ACTUALLY wants, as opposed to what you think would be perfect for them. Gift cards have come a long way from the days of the paper gift certificate.  Some of today’s gift cards (BUT NOT ALL) can even be purchased by credit card. Some gift cards are VISA/Mastercard ‘money cards’ and are good at any merchant. Store cards are good only at that store. You can’t use a Burger King gift card at McDonald’s.  As a result gift cards are now the most popular Christmas gifts among adults, and are also the most easily ‘re-giftable’ gift, second only to cash.  

Children don’t understand the economics of Christmas. For them, it’s all about the toys. For adults, it not about what’s under the tree, it’s who is around it that really matters. Money is a renewable resource, but people are  finite and when we’re gone, we are gone.   So as we head into the final days of the Christmas season, keep it simple and remember that it’s the thought that counts. As always, I wish you success and happiness! 

Is It Legit?

Beware ‘professional ‘ beggars.

isitlegit

He who is generous will be blessed, For he gives some of his food to the poor. Proverbs 22:9

The United States of America is the wealthiest nation in the history of the world, and  more charitable donations per capita flow from the US than from other nations.  As a country we are blessed with both the largest percentages of Christians and millionaires. These two groups donate more money to charities than any other according to numerous reports. Because of this abundance of wealth, there are numerous scam artists who prey upon the charity and good will of the generous by flipping the script to take advantage.

Earlier this year, you may have heard this heartwarming story in the national news media about this poor woman who was trying to make it home,  but her car broke down when it ran out of gas on I-95 outside of Philly. A homeless vet gave her $20, enabling her to get the much needed petrol for her car. In gratitude, her and her boyfriend befriended the man and set up an online GoFundMe donation account to help this wonderful homeless veteran. As the story went viral, donations poured in and the account grew to more than $400,000. A wonderful story.

gofundme-controversy

Except that’s all it was, a story. The entire account was a fiction, and all three parties were involved in the scam. The vet was indeed homeless, but the couple Mark D’Amico and Kate McClure, conspired with homeless man Johnny Bobbitt  and solicited his help as the face of their campaign. The plan backfired when the amounts received from good-hearted donors spiraled out of control. Greed over the size of the split of the ill-gotten gains is what ultimately undid the trio. Bobbit felt all the money belonged to him, as he was really homeless. Mastermind Mark D’Amico believed Bobbit was only entitled to a portion of the money, so Johnny Bobbitt got a lawyer and sued.  As a result of the legal action and the resulting media attention on the high-profile case, the elaborate plot unraveled and all three were jailed and charged with theft by deception. GoFundMe has agreed to refund the donations collected.  

jail

“There are eight million stories in the naked city. This has been one of them.”

The Naked City was a TV crime drama broadcast  from 1959-1963 and based on a 1948 film of the same name. Each episode ended with the iconic line about the eight million stories, a reference to the location, set in New York City, and implying that everyone has a story to tell. As I stated before, the USA is the land of plenty, and we do have homeless and poor, but no one staves in this country except by choice, or by malice. There has never been a famine our country, but there are many stupid people who make bad decisions and then want to blame others for their misfortune, or at least make them feel bad.  It reminds me of a biblical account of a famine in ancient Samaria found in the second book of Kings.  

2 Kings 6:26-30

26 As the king of Israel was passing by on the wall, a woman cried to him, “Help me, my lord the king!”

27 The king replied, “If the Lord does not help you, where can I get help for you? From the threshing floor? From the winepress?” 28 Then he asked her, “What’s the matter?”

She answered, “This woman said to me, ‘Give up your son so we may eat him today, and tomorrow we’ll eat my son.’ 29 So we cooked my son and ate him. The next day I said to her, ‘Give up your son so we may eat him,’ but she had hidden him.”

30 When the king heard the woman’s words, he tore his robes. As he went along the wall, the people looked, and they saw that, under his robes, he had sackcloth on his body.

That’s a pretty terrible tale, but it points out poor decision skills, taking advantage of both stupidity and of wealth, and while you feel sympathetic for the victims there are some people that just can’t be helped. It’s not totally clear exactly what type of help the woman is soliciting, but it is implied that she is seeking justice against the woman who scammed her.

Jesus said we will always have the poor among us. I’m not into the so-called ‘Prosperity Gospel’ which preaches that God wants us to be rich and successful, because by becoming wealthy we are in a much better position to help others.  There is some truth in this logic, but remember that even the Devil can quote scripture and twist it’s meaning to suit his purposes. There’s a scam out there for every legitimate cause, and they prey upon your sympathy.  A ‘church by mail’ called Saint Mathews Churches of Tulsa OK is one such scam that sends out mailings splattered with scriptures and religious iconography promising great blessings in return for ‘seed offerings’.  Some televangelists also fall into this category.

stmatt

Sometimes it’s hard to separate ‘the wheat from the chaff’. Sometimes it’s impossible, so don’t feel bad if you gave in error to a fake one. Live and learn, and move on.  Good people want to help others, and every organization needs SOME funding for its own overhead.  Some organizations are just ‘squeaky wheels’ that exist to cry for donations while little of the funds reach their intended targets.  I’m a firm believer in supporting LOCAL organizations. The best nation-wide charities like The Salvation Army  https://www.salvationarmyusa.org   or Toys For Tots   https://www.toysfortots.org  can get by on a minimal razor-thin operating budget and have LOCAL offices that cater to the LOCAL community. 

If you have any concerns about a charity, you can see how they rank up to similar charities by using the https://www.charitynavigator.org/  website. Charity Navigator is the largest and most-utilized evaluator of charities in the United States providing data on 1.8 million nonprofits.  

This doesn’t mean that every need has an accredited 501-c charity that exists to back it. Sometimes, legitimate needs do ‘pop-up’ unexpectedly, due to tragedy or stupidity, or both. Many of these hard luck cases turn to GoFundMe.com  There are many true needs out there that need to be met, but like the couple and the vet who scammed over  $400,000 some of these ‘needs’ might be fake. Whenever you donate money, never donate more than you can afford to, never feel bad if you have to say ‘no’, and never, ever, EVER donate money if you feel like you are being FORCED to give. Extortion is just as illegal as theft by deception. I have heard of people who used GoFundMe to raise funds for funerals, medical expenses, and because they lost their home in a fire. I once even donated money to a homeless Superman impersonator who had been mugged, had his teeth knocked out, and was robbed of his cape and super-suit. I have also heard of  people who used   GoFundME because they felt they were entitled to lots of money for their upcoming birthday, or who needed rent money because ‘they just didn’t have it’.  Sometimes bad things happen to good people. Sometimes people are just stupid and make bad decisions.  All things come from God and you are the steward  of the riches He has bestowed upon you. How you choose to distribute from your bounty is a matter of your heart, and only God can judge you because He knows the truth behind ever human heart. As always, I wish you success and happiness.  

The Squeaky Wheel?

Choosing the ‘right’ hand over the left!

The Squeaky Wheel

There’s an old saying, “The squeaky wheel gets the grease.” which means the problems that make the loudest noise are the ones which get our immediate attention. Whereas this may be the case in some situations, it does not always apply to every instance. This is where discernment is important, especially when it comes to donations and charitable giving. The world is a big place filled with countless problems which impact various people at different times in their lives. Everyone has some problem at some point, whether it is evident or not.

You may also be familiar with another saying, “there, but for the grace of God, go I.” which is a phrase of humility acknowledging that one might be in the same situation were it not for some divine intervention in our upbringing. If you were lucky to be born in the USA, you enjoy many freedoms and opportunities not afforded to those in other counties around the world. If you were born in the 20th or 21st century, your life is radically different from someone born in the first century. Times change, but people are still people and we cannot ever truly and completely know the motives of another person, only God knows.

‘ The heart is deceitful above all things, and desperately wicked: who can know it?  I the LORD search the heart, I try the reins, even to give every man according to his ways, and according to the fruit of his doings. ‘ Jeremiah 17:9-10  

 Trust in the LORD with all thine heart; and lean not unto thine own understanding.  In all thy ways acknowledge him, and he shall direct thy paths. Proverbs 3: 5-6

lord

I gave at the office…

I am not perfect, no one is, but I try to be good and do the right things in every situation. I donate on a regular basis to several worthy charities which I feel efficiently and effectively disseminate the largest possible percentage of my donations to the neediest of individuals. I can NEVER humanly know for certain if one person who benefited from my charity was more worthy than another, I can only HOPE and leave it in God’s hands. If a benevolent organization uses the lion’s share of contributions collected to cover salary and other overhead, they are still doing ‘some’ good, but there might be different organizations that are better stewards. This is why it’s important to research charities before blindly donating.  There is much need in the world and there are many organizations for every cause that have duplications of their target recipients.  No matter how good you might be at doing your job, there is always someone, somewhere who given the opportunity could do it better, and this also applies to charities.

Every year, the local union at my place of employment sponsors a local needy family at Christmastime. The union officials frequently encourage employees to donate to support the ‘Christmas Family’. It’s a good thing, but I do not contribute, not because I am uncaring, but because I already donate substantially to other organizations that fill a similar role . One year, a union official came to my desk asking for donations, and when I declined, he asked ‘Don’t you have a heart?’ This upset me greatly, and the next day I called him on the carpet in front of the boss brandishing a stack of receipts of donations I had made to various other organizations. I made him look bad, and he did apologize, but  I could have just ‘let it go’ and ignored the slight. Like I said, I’m not perfect. A successful person  admits his mistakes and learns from them.   Next time I will handle things better.

“Do all the good you can,
By all the means you can,
In all the ways you can,
In all the places you can,
At all the times you can,
To all the people you can,
As long as ever you can.” – John Wesley co-founder of Methodism

Tightfisted vs. ‘Tithe-fisted’

Tightfisted means being cheap, the idea of clenching your money tightly in your hand so that it can’t be pried away.

“Tithe” means a tenth or 10 percent. The tithing system described in the Bible was designed specifically to meet the needs of the religious, economic and political system of ancient Israel. Each of the twelve tribes of Israel, except the tribe of Levi, initially received an allotment of land in the promised land of Canaan. The Levites were assistants to Israel’s priests and were supported by a tithe offering from other eleven tribes. All families of those eleven tribes were to give a tenth of all produce, flocks, and cattle to the Levites. In turn, the Levites were to give a tenth of that to support the priests (Leviticus 27:30-33, Numbers 18:21-28).

Tithes were also used to meet the needs of foreigners, orphans and widows. (Deuteronomy 26:12-13)

In addition, everyone was to be generous with those in need:

If there is a poor man among your brothers in any of the towns of the land that the LORD your God is giving you, do not be hardhearted or tightfisted toward your poor brother. Rather be openhanded and freely lend him whatever he needs. (NIV, Deuteronomy 15:7-8)

The Bible does urge us to be generous with our wealth and time. However, any claim that wealth, health, good fortune or other blessings will come as a result of a donation should be looked at with suspicion. Likewise never feel guilty if you must say ‘no’ due to honest circumstances. God knows your heart. Giving should be done hilariously, or with a great joy. Even if you’re in no position to make a financial contribution, but still wish to serve in some capacity, perhaps you can do volunteer work.

If you’re uncertain about the effectiveness of a charitable organization, and want to check them out to see how they rank against other similar organizations, a handy website is Charity Navigator. https://www.charitynavigator.org/

Remember the world is a big place with much poverty, you will never be able to help everyone, and there will always be needy. You should take care of your family, friends, and other people who live close to you before helping people who are living further away or in another country. Do what you can, when you can, and do it with a glad heart. As always, I wish you success and happiness.

Brother, Can You Spare A Dime?

A handout or a hand up?

brother can you spare a dime

A popular song  from 1930 was ‘Brother, can you spare a dime?’ sung by Bing Crosby.  During the Great Depression, many Americans were down on their luck and struggling to make ends meet. (The ‘Fellow American down  on his luck’ was later personified by Humphrey Bogart in the film The Treasure of the Sierra Madre 1948, later spoofed in the 1950 Bugs Bunny cartoon short  8-Ball Bunny.)  A dime doesn’t seem like a lot of money, but when you get enough of them they do add up. It was probably  a combination of this song on the radio, and the movie newsreel serial THE MARCH OF TIME that inspired Eddie Cantor to coin the phrase ‘The March Of Dimes’ to help raise donations for Franklin D. Roosevelt in 1938, for his National Foundation for Infantile Paralysis, to combat polio. The catch phrase eventually replaced the clunky name of the foundation, which has been know as The March Of Dimes ever since.  The poorly run charity still exists today despite the near extinction of polio, having changed its mission to fighting birth defects.   More than 80% of funds collected go towards overhead,  and the CEO of the charity  is paid over $500,000 annually. What started out as a good intention morphed into a bureaucratic nightmare that doesn’t seem to help anyone except the staff.

The American Dream vs. the Welfare State.

Americans are guaranteed the inalienable rights of life, liberty, and the pursuit of happiness. Nowhere in the US Constitution is it listed as being the job of the government to provide any form of  social welfare assistance, cradle to grave healthcare, cheap housing, free phones, or free food.  

Following the stock market crash of 1929 and the resulting Great Depression, certain well-intentioned government officials began creating the modern welfare state that exists in our country today. The Social Security Act was signed into law by President Roosevelt on August 14, 1935. The WPA, Works Progress Administration, put unemployed and unskilled Americans to work in return for temporary financial assistance from 1939 to 1943. For four years during the Depression, the first Food Stamp Program fed 20 million people at one time or another in nearly half of the total counties in the nation.  Food stamps were eliminated in 1943, but in 1961 they were revived when President Kennedy signed his first executive order bringing back the program. Food stamps would also eventually be re-branded as SNAP, a Supplemental Nutritional Assistance Program, with benefits being distributed electronically on a EBT card to reduce ‘social stigma’.     

Government entitlement programs account for more than half of the national budget.  Whenever we reduce taxes, we also have to make  corresponding cuts to the budget, and associated entitlement programs.  The problem is there is a large portion of the population that has become entirely dependent upon the existence of those same entitlement programs which must be eliminated.  Ever since President Franklin Delano Roosevelt offered Americans his New Deal, the cornerstone of the Democrat political party platform has been to eliminate poverty through widespread, government social welfare programs. As a result of the created dependency generated from these same welfare programs, poverty has actually increased while the Federal budget deficit has skyrocketed. We have also created generational welfare dependency with children living in the same housing projects on public assistance as their parents and grandparents.  It is impossible to eliminate poverty, and believing that poverty can be eliminated amounts to calling Jesus Christ a liar.

“The poor you will always have with you, but you will not always have Me.”– Jesus Christ,  The Bible written in John 12:8,  Mark 14:7, and also Matthew 26:11

Charity begins at home.

​“With great power there must also come — great responsibility!” —Stan Lee

Besides being God, Jesus Christ was a rabbi, or teacher. By speaking that the poor will always be among us, He brings to mind other scripture verse.      

“If among you, one of your brothers should become poor, in any of your towns within your land that the Lord your God is giving you, you shall not harden your heart or shut your hand against your poor brother, but you shall open your hand to him and lend him sufficient for his need, whatever it may be…For the poor you will always have with you in the land. Therefore I command you, ‘You shall open wide your hand to your brother, to the needy and to the poor, in your land.’” (Deut 15:7-11)

Before the government social welfare reforms of the twentieth century were instituted, taking care of the poor was largely a function of the Christian Church. Churches had ‘poor boxes’ with the donations collected destined directly for the poor.  Even today, churches provide free meals, food pantries, and other donations for the poor. As Christians living in the most prosperous country in history of the world, it is OUR responsibility to pass on our blessings as we have been blessed. With all the opportunity and freedom abundant in the United States, there really is no reason to be poor unless we choose to be. According to motivational expert Brian Tracy, “The sad fact is that people are poor because they have not yet decided to be rich. People are overweight and unfit because they have not yet decided to be thin and fit. People are inefficient time wasters because they haven’t yet decided to be highly productive in everything they do.”

I grew up poor, both my father and step-father died when I was a young boy. My mother never worked to better herself and always relied upon social welfare programs.  As a result, I grew up in a roach-infested apartment in NYC, eating Government cheese, getting food with food stamps, and eating free meals at school. My mother died in the same poverty she chose to embrace, but I made a vow long ago to never be poor when I was an adult.  Success is always present, but never given, you have to work for it if you really want it. Doing so places you in a position to help the less fortunate, offering a hand up instead of a handout.  There are many worthy charities for every sketchy one that claims to help the poor, and if you do your research, by separating the wheat from the chaff your donations will do the most good.  A good rule of thumb is to focus locally and give what you are able to give freely and gladly. You should take care of your family, friends, and other people who live close to you before helping people who are living further away or in another country.  If every Christian in the USA did their fair share, there would be no need for government welfare programs. As always, I wish you success and happiness.

The Trump Effect!

Why Donald Trump is important for our prosperity.

The Trump Effect

There is a failure in the public education system of the USA which has blossomed into a widespread lack of knowledge of economics and civics, and how they are interrelated. This information is necessary to  understand how our economy operates, and is vital to elect effective representatives to legislate on our behalf. Decisions that harm our economy directly impact our prosperity as a nation.    

We have control only over  our actions and what we do or say. We are who and what we think we are, and knowledge is power. If we allow false information to corrupt and sway our thinking, we will be prone to act according to that false data. You may not be a failure in reality, yet if you THINK you are a failure, you will act as though you are a failure and you will have no inclination to improve your lot in life.   Your perception of reality is colored by your beliefs, so it is vital to have your facts straight. Young people are typically “plagued” by political apathy, yet can be swayed into voting by perceptions or feelings of inequality and injustice. Feelings are not the same as facts. Making decisions based on emotional reasons instead of logical ones is a recipe for disaster.  

The United States is the oldest Constitutional Republic in the history of the world. We elect representatives who act on our behalf in the running of our country.  In our constitution, we are granted our inalienable God-given rights of  life, liberty, and the pursuit of happiness.  It is the job of government only to protect those rights. The rest is up to us.  

According to data gathered and tabulated by the United States Elections Project http://www.electproject.org/home/voter-turnout/voter-turnout-data :

In 2016 there were an estimated 250,056,000 eligible citizens who could vote,  and 138,847,000 voted or about 55.5%.  This was the highest by population number voter turnout for a presidential election ever (it was 3rd by percentage). There were slightly higher by percentage turnouts in only two other  elections over the past half-century (2004 and 2008) but it is important to note that these were also reflecting a voting base millions of voters smaller. The highest BY PERCENTAGE in the past hundred years was the 1960 presidential election of John F. Kennedy when there were 109,672,000 eligible voters, and 68,836,000 voted, or about  62.8% .Other than during that election, percentage of voting by eligible voters has been under 60% since 1968. The highest by percentage EVER was the 1876 election which had an estimated 81.8% turnout, and the ONLY U.S. president to be elected unanimously was George Washington.

 A Washington outsider.

On Nov 08, 2016, the Dow Jones Industrial Average opened at 18,251.38, the S&P 500 was at 2,129.92 and the Nasdaq was at 5,154.99. After Donald J. Trump won the election against Hillary Clinton, the major indices began to rise dramatically and have continued to rise since, despite two minor corrections along the way. As of this past Friday November 8th  2018, the indices closed at : Dow 25,989.30, S&P 2,781.01, Nasdaq  7,406.90.

Donald Trump was a Washington outsider, and was elected by a majority of disenfranchised voters who were disgusted by the actions of career politicians.  The mantra and platform that catapulted him to the highest office in the land was Make America Great Again.  Trump promised to bring back jobs, reduce government waste, cut taxes, strengthen our military, and like the slogan, make America great again.  Trump is a billionaire businessman as well as a patriot. He knows what drives our economy and creates jobs. Most politicians by contrast tend to be lawyers with little or no understanding of business. As such, some of these career politicians went on to draft and enact job killing taxes and legislation which lead to the highest rate of unemployment and poverty since the Great Depression. It is interesting to note that Make America Great Again was also used as a motto by another Washington outsider and patriot, Ronald Reagan, the 40th President of the USA whose policies resulted in the prosperity of the 1980’s.

The 2018 Midterm Elections

Crying Hillary

After the crushing defeat of Clinton in 2016, and the appointment of two Supreme court justices, critics of Trump swore revenge and promised a Blue Wave was coming that would sweep the House and Senate making the way for impeachment.  Liberals see Trump as the enemy of America, which is about as far from the truth as one can get. Again, beliefs are NOT the same as facts. Many things that people believe have little basis in fact. There are people who believe in Global Warming despite the lack of evidence to support those beliefs.  There are people who believe in gender inequality wage gaps despite evidence to the contrary. There are people who believe in space aliens and UFOs, yet no one has even encountered little green men from Uranus.

Disgruntled voters often use midterm elections to punish the party in power. The president’s party has lost an average of 32 seats in the House and two in the Senate in almost every midterm since the American Civil War. It’s a time tested fact, and was a given that this would happen. Trump campaigned hard to save the senate and had truly inspiring rallies in battleground states. Due to ‘The Trump Effect’ his support led to the victory of 9 out of the 11 candidates he endorsed. In comparison, not one of the candidates endorsed by Obama for the DNC won. Not one.

I work at my polling place. I can tell you for a fact that I personally witnessed record turnout for a midterm election. It was almost as busy as the 2016 presidential election. We had long lines at 7am waiting at the door. We had the highest numbers of absentee and provisional voters I have ever seen. The DNC had a poll watcher on site almost the entire day, scrutinizing our list of voters and phoning every Democrat in the district. We had an incredible 58.8% voter turnout. The vast majority voted Republican.     

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“It was a big day yesterday. An incredible day. And last night, the Republican Party defied history to expand our Senate Majority while significantly beating expectations in the House for the midtown and midterm year. We did this in spite of a very dramatic fundraising disadvantage driven by Democrats’ wealthy donors and special interests, and very hostile media coverage, to put it mildly. The media coverage set a new record and a new standard”. – Donald J. Trump

In the House, seats that were lost tended to be held by ‘Never Trumpers’ and RINO Republicans. The derogatory term RINO is an acronym for Republican  In Name Only, and refers to politicians who vote contrary to the GOP platform.  The GOP and President Trump are much stronger without these lukewarm associates. Many of the DNC candidates like Alexandria Ocasio Cortez of NY who defeated her GOP opponent are brand new to politics and have no record to stand on. The 29 year-old former bartender turned State Representative is the youngest woman ever elected to Congress, and since winning has complained that she won’t be able to afford her rent in Washington D.C. Her new salary as a representative will be $174,000 a year. That’s four times what I earned when I was her age, and I had money to spare despite eighteen months of personal tragedies that racked-up $50,000 of debt. If she can’t even handle her own finances at 29, what qualifies her to handle fiscal policies for the entire state of New York?      

After the Midterm election results were announced, again the major stock indices rose. The only ‘Blue Wave’ which appeared on Election Day was the one which swished around the bowl when the toilet was flushed.  By contrast, a Red Wave appears to be looming for the next Presidential Election in 2020 which promises to be a landslide more epic than the 1984 re-election of Ronald Reagan. If you are one of the unhappy anti-Trump people, I assure you that the world is not ending, that whatever dystopian horror you think you are living in is NOT real, and that your information is wrong. Reexamine your information, actually listen to what the man says when he speaks, instead of questioning everything he says without hearing a word. Trump is good for America, and America is a great country to live in. Trust me on this. I want everyone to be happy and successful, and that’s why I sacrifice my Sunday leisure time each week to bring you these articles.   Socrates claimed that “the unexamined life is not worth living” because only in striving  to know and to understand ourselves do our lives have any meaning or value. Your life and your personal happiness belong to you and you alone. As Always, I wish you success and happiness.

The Path to Prosperity!

Keeping America Great!

The Path To Prosperity

An Editorial opinion–

“Freedom has cost too much blood and agony to be relinquished at the cheap price of rhetoric.” ― Thomas Sowell, Knowledge And Decisions

Full disclosure, I am a conservative Republican and Christian, and I fully support President Trump. 

We the People of the United States

Tuesday November 6th 2018 is Election Day in the USA this year. Registered voters will be voting across our great nation to elect representatives to legislate on our behalf. With the power of our votes, we have the ability to support or change the current socio-economic state of our country and pass on to future generations a country we believe they will want. Because our votes are crucial to this process, it is imperative that we fully understand the ramifications of our political views, and how they are shaped.  In the USA, our capitalist economy, our religious freedoms, and the laws of our land are all entangled forming a tightly interwoven way of life. Changing one aspect threatens the other two legs of the platform, and many uneducated persons are in danger of making ill-conceived decisions based upon poor information.

“The problem isn’t that Johnny can’t read. The problem isn’t even that Johnny can’t think. The problem is that Johnny doesn’t know what thinking is; he confuses it with feeling.” ― Thomas Sowell,  noted economist

in Order to form a more perfect Union

Ayn Rand was a Russian-American writer and philosopher who wrote two best-selling novels, The Fountainhead and Atlas Shrugged. She was an atheist with little use for religion. Although her fiction is interesting and some of her ideas have merit, she really didn’t understand people much because she lacked the critical spiritual component needed to fill the God-shaped hole ever-present in the hearts of man. Although she passed away in 1982 at the age of 77, many libertarians, and some  right-wing conservatives are still intrigued by certain aspects of her personal philosophy, which she termed ‘objectivism’. Objectivism is fully secular and absolutist; it is neither liberal nor conservative nor anywhere in between. In a perfect world,  objectivism might work, but we do not live in a perfect world. Nevertheless, she had some good ideas. She supported laissez-faire capitalism, believed facts were facts independent of a person’s feelings or wishes, felt that reason was a man’s basic means of survival, and held that we ourselves were responsible for perusing our own self-interests and happiness.

UNFORTUNATELY,  many people today lack the discernment needed to sail through the vast sea of information, and lack the skill to avoid being blown off course by the hot air and smoke of certain politicians and entertainers as they try to steer for those islands of reason. Truth is always true, and it can stand up to criticism. If it is YOUR ‘truth’ and you have no evidence to back it up then it is not truth, but rather your feelings based on an emotional response.  As long as you continue to make snap emotional decisions to immediate problems, you will continue to make the wrong choices and will suffer greatly in the long term. I can’t tell you who to vote for, or what to believe, I only ask that you examine your convictions to see why you believe what you believe, and be certain that your ideology is fact based. The road to Hell is paved with ‘good intentions’.

“Socialism is a wonderful idea. It is only as a reality that it has been disastrous. Among people of every race, color, and creed, all around the world, socialism has led to hunger in countries that used to have surplus food to export…. Nevertheless, for many of those who deal primarily in ideas, socialism remains an attractive idea — in fact, seductive. Its every failure is explained away as due to the inadequacies of particular leaders. ” 
― Thomas Sowell

Establish Justice, insure domestic Tranquility, provide for the common defense, promote the general Welfare, and secure the Blessings of Liberty to ourselves and our Posterity

Our government is based upon three principals:

  • Inherent rights:  Rights that anyone living in America has.
  • Self Government: Government by the people.
  • Separation of Powers: Branches of government with different powers.

It is NOT the job of the government to run businesses, provide welfare subsidies, or redistribute wealth. Your ‘feelings’ are not the concern of the government.  Its only job is make sure that its citizens are safe, healthy and prosperous. Citizens have a legal right to live in this country,  Illegal immigrants do not. If they entered this country illegally, they do NOT belong here. A country without borders is not a country.  This is a great country and we have the freedom to live as we chose and pursue our own interests.  There is no reason to be poor in this country where every opportunity is available for you to pursue. BUT YOU HAVE TO DO IT, no one can make you do the right thing. According to a report by the Brookings Institute ( https://www.brookings.edu/research/work-and-marriage-the-way-to-end-poverty-and-welfare ) published in way back in 2003, if you don’t want to be permanently poor in this country, you only have to do three things:

  1. Finish High School
  2. Get a job
  3. Don’t have children out of wedlock.

The only thing preventing you from being successful is you yourself. Don’t blame anyone else for your bad choices.   If people don’t agree with you, it’s called disagreement, not hatred, sexism, or  bigotry. Mature adults don’t insult or attack people who disagree with them. 

This Tuesday I will be voting straight Republican. I’m doing this because I fully support the current President, and totally agree with him 100%. In the past two years since he won the 2016 election, my net worth has skyrocketed. To give a comparison, my investment gains since Trump became president less than two years ago  have nearly equaled the total gains earned over the entire 8-year Obama administration.   I dare you to tell me the economy is not booming.

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I am financially stable, I am debt free, I have cash on hand to do with as I please. This includes charitable giving and I am not bragging when I say I willingly donate thousands of dollars each year to worthy Christian charities, and other concerns.

If you are jealous of wealthy successful people, you are in serious need of a reality check. I grew up poor and worked hard for everything I have. I was not poor because someone else was rich. Wealthy people create jobs and opportunities for others, they don’t take them away. There is no ‘white privilege’, no ‘glass ceiling’. They are just figments of the imagination created by the real enemies who want to destroy this great nation.  Don’t allow yourself to be misled by their lies. You can rise to greatness   if and only if you wholeheartedly decide to.

This coming election, ( as well as all future elections ) is about safety and prosperity. President Trump has Made America Great Again, and we now have the lowest unemployment rate in the history of our country and things are getting better every day. On Tuesday November 6th 2018, you need to make the correct decision and vote Republican, it is the only way to keep our citizens safe, prosperous, and free. For the sake of our freedom and for future generations we need to keep the momentum going and Keep America Great.  As Always, I wish you success and happiness.