Trust Out Government?

        I enjoy history.  I think we can learn a valuable lesson from it.  History makes me question how much we should trust our government. 

        Last week I watched an Amelia Earhart special on the History Channel.  The official government position is that Ms. Earhart’s plane went down in the Pacific Ocean with her and her navigator, Captain Fred Noonan, in 1937.  After viewing the program, I once again questioned our government.

        Earhart probably made a water landing by a Marshall Island beach.  The Marshall Islands even have stamps showing this event. 

        Earhart had a functioning radio after landing and she sent messages for two days in the predawn hours.  These messages were picked up by ham radio operators in the U.S. and Canada. 

        The Marshall Islands were under the control of the Japanese at the time.  The evidence shows that the Japanese recovered the plane, Earhart, and Noonan.  Evidence of the plane and the wheels the Japanese used to move the plane have been found.

        A photo has recently been discovered that show Earhart and Noonan on a pier in the Marshall Islands Jaluit Harbor.  Their plane also shows on a barge pulled by an identified Japanese ship.  This photo had been misfiled, and maybe that was the only reason it had not been destroyed by the government. 

        Earhart and Noonan were then taken to a Japanese prison on Siapan where they later died.  The Japanese said the “woman pilot” and Noonan were spies. 

        Many witnesses have also confirmed these events.  A woman who saw the “woman pilot” in the prison when she was a girl still is alive and living in San Francisco. 

        After Siapan was taken from the Japanese in WWII, two U.S. Marines were told by their Captain to dig up a grave which he said was Earhart’s.  The bones were identified as a 40 year old woman and they disappeared.  In the 80’s the grave site was excavated again and recovered additional bone fragments.  These too have disappeared. 

        If this scenario is to be believed, why did our government cover up the truth?  One explanation is that the U.S. had cracked the Japanese code and didn’t want the Japanese to know.  If this is true, why continue the cover-up after the war?

        Earhart is certainly not the only government cover-up.  Anyone who has ever studied President John Kennedy’s assassination knows the official account is a lot of BS.  There is only one explanation of what really happened that fits all the facts, but who was responsible is another story.  Maybe that is why the cover-up continues. 

        Benghazi is a recent example of a government cover-up.  Blaming a video is ludicrous.  We know what happened, but who and why was the military told to stand down?  Was this purely for political reasons for the upcoming Presidential election, or were they covering up some other activity?  

        We have other famous potential government cover-ups.

What really happened in Area 51 in Nevada?  Have we had visitors from outer space?

        Our Founding Fathers counted on the media to keep our government honest.  Unfortunately, that is certainly not true today.  Rather than diligent investigative reporting, the lame stream would rather go with fake news to get headlines. 

        Some polls show that only 14% of our country feel they can trust our media.  That is pretty sad as we have a higher percentage than that of left wing extremists that agree with the fake news. 

        I hope and pray that both the government and media can change. 

        God bless President Trump and guide him to make America great again.

                                      http://BusinessFits.com

First Dollar Coverage Auto Insurance

        I first posted a blog like this on Friday, April 13, 2012.  It is even more relevant today.

I had to put expensive new tires on my vehicle.  I wish they were covered by insurance. 

Just changing the oil is expensive.  That should be covered too.  With the current cost of gas, filling the tank is expensive.  Why not have all these normal, routine, and maintenance items covered by insurance?

Let’s take a look at how this would work.  When we go into any auto repair or maintenance facility, we would give them our auto insurance card.  With gas stations, maybe the insurance card could be like a credit card so we can just swipe the card.  That would be really convenient. 

After we receive the auto service or product like gas, the retailer providing the product or service will bill our insurance company.  The insurance company will then review the claim to determine if it is covered. 

If covered, the insurance claims person will check if you have met your deductible and what percentage is your co-pay portion.   The insurance company will then notify you and the retailer submitting the claim how much the insurance company is paying and how much is your responsibility.  After the retailer knows how much of the claim your responsibility, they will bill you. 

Obviously, the insurance company will have to raise your insurance premiums to cover the additional claims.  There will also be substantial costs for handling all the additional claims, which will require more employees and more insurance company facilities.  The insurance company will also need to increase profits. 

There will also be added expenses for the retailer who provides you products and services for your vehicles.   They now have additional costs for submitting claims to your insurance company and then billing you for the portion of the claim that is your responsibility.  This will add to the cost of serving you. 

There is also a monetary cost of doing business for the retailer.  More working capital will be required, as it will take longer for the retailer to get paid for the product or service.  The cost for them will have to go up to cover these new costs of doing business.

Costs will also go up due to lack of competition.  Why would you as a consumer care how much you are paying for your gas or maintenance?  Why would you care what kind of gas mileage your vehicle gets, or how much you drive?  The gas and maintenance is covered by insurance anyway, so who cares?  Who cares if insurance premiums increase?              

How much will your total vehicle operation and maintenance costs increase?  It is safe to expect an increase of 300 to 500 percent.  Some people won’t care because it is so convenient, or they do not understand how much it is increasing the cost of operating their vehicle.   Does this sound ridiculously stupid?  Yes, but why should it?  This is exactly what we are doing now with first-dollar-billing medical insurance.  Why doesn’t that sound stupid?

We can never control health care costs until we stop paying normal, routine, and maintenance heath care costs with insurance.  Insurance has created the problem.  We can’t solve the problem with insurance. 

We must move to true major medical insurance and medical savings plans to control health care costs.  If we don’t, we will eventually see government provided health care, and I don’t mean “Single Payer.”  “Single Payer” still has the same claims processing costs as present medical insurance coverage, and we know the government has never handled things as well as private industry.

        God bless President Trump and guide him to make America great again.

                                      http://BusinessFits.com

Repeal - Replace - Repair

     I wish everyone a happy 4^th of July.  When our Founding Fathers declared their independence, they did not want government controlling their lives.   When they signed the Declaration of Independence, they were committing an act of treason which could mean being shot or hung.  They knew this would lead to a war that they didn’t know they could win. 

        If the revolution succeeded, one of their primary concerns was controlling the size of the federal government and the control it held over the people.  This has become a problem today.  Many elected Republicans and Democrats want to increase the control the federal government has over our lives, because increasing the size of the federal government increases their power. 

      Obama Care is a total disaster, but federal programs never seem to go away.  Donald Trump and the Republicans ran on repealing and replacing Obama Care.  I agree with the idea of just repealing it.  Repeal Obama Care and write a health care bill that makes sense later.  As I have said many times, we can’t fix a problem caused by medical insurance with medical insurance.  It just doesn’t work, and more government control has proven to increase the cost of health care.    

    The media and most politicians don’t seem to know the difference between health care and medical insurance.  They are two different things.  People can have health care without medical insurance, and many people have medical insurance, but no health care because of deductibles and co-pays. 

       The health care reform bill is on hold in the Senate.  I heard Wisconsin Senator Ron Johnson talking about the problems with the bill.  He was clear and rational because he actually understands how insurance works and how it should be used.  It was refreshing to hear a politician who actually knew the difference between health care and medical insurance. 

        The current bill does not repeal or replace Obama Care.  It tries to repair it.  I thought this is what the Democrats wanted.  It is the best fix for Obama Care they will see, so why isn’t every Democrat in the Senate voting for it? 

        Democrats have to get over their hatred for President Trump and Republicans, and start serving their constituents.

        God bless President Trump and guide him to make America great again.

                                      http://BusinessFits.com

$55 Million Wasted

     The Democrats lost the race for Georgia’s sixth congressional seat.  They spent over thirty million dollars on a race for a two year seat in the House of Representatives.  The Republicans countered by spending close to twenty-five million.  Campaign spending is out of control and has to stop.  This money can be better spent in many ways.

   Democrats tried to make this Congressional race into a referendum against President Trump and his agenda.  This is the fourth special election in which Democrats have tried to do this, and they have received a resounding defeat every time.  Trump’s support seems to be continually growing.  If the Republicans in the Senate would get their act together, we would see fantastic change for the better.    

      Democrats have to wake up and acknowledge that the people of this great country want real change like Donald Trump proposed in his campaign.  He is implementing those changes.  Trump ran against the political elite and for America’s working people. 

       In the past, the Democratic Party represented the working class of this country, and that is no longer the case.  When did they become the party of Hollywood celebrities and the political elite?  What happened, when, and why did they change?

      Democrats have to recognize that they can no longer have tired old politicians like Hillary Clinton and Nancy Pelosi leading the party.  Politicians have to listen to the all the people and not just special interest groups and big money.  They must stop continually increasing the size of government. 

      If the Democratic Party does not change, they may not survive.  This country is going through a major change at this time.  The Democrats need to be involved in the legislative process and contribute to that change.  If they continue to have no agenda except to discredit President Trump, they contribute nothing.  What a shame.

    God bless President Trump and guide him to make America great again.

                                      http://BusinessFits.com

Political Responsibility

        The liberal left has taken politics to a level of violence and destruction.  This has got to stop.  It is hurting everyone in this country including the liberal left.

        A man with a long history of anti-Trump and anti-Republican history started shooting at Republicans at a baseball practice.  Congressman Steve Scalis was seriously injured.  The left say the gunman was mentally ill and it had nothing to do with politics, and/or they blame guns.  A friend of the gunman said that he wasn’t evil; he just didn’t like our current politics.  The left has to accept some of the responsibility. 

        Kathy Griffin thinks it was okay to show a mockup of bloody head of President Trump on Television and does not think she has any responsibility for the influence she might have on someone who might take similar violent action.  She did it intentionally for ratings and to suck up to the radical and violent left. 

        Shakespeare in the Park is a play that depicts the assassination of President Trump.  The producers defend the play by saying it is just art.  We can do without this kind of art.  The play is obviously intended to appeal to the radical left, and is sponsored by The New York Times. This should not surprise anyone as The New York Times is one of the worst offenders of making news out of fake, anonymous, and illegal leaks.

        In a recent show of Law and Order SUV an Assistant District Attorney for the sanctuary city of New York referred to President Trump as the “crazy thug down in D.C.”  Another line was “Mexicans love tequila and raping. Just ask the President.”  This is one of my favorite TV shows, but with this kind of anti-Trump lies, I may not watch it again.  

        College campuses protest conservative speakers.  Events are cancelled because the universities cannot guarantee the safety of the speakers or even of the people attending.  It is amazing to me how liberals protest human rights violations in other countries when they deny freedom of speech in this country. 

        The lame stream media is so biased that they in effect promote destructive and violent liberal action.  They use fake news to rile up the radical left. 

        Politicians are also at fault.  The left is so intent on hurting President Trump that they are totally ineffective in the legislative process.  They give the radical left the idea that violence is the only option open to them.  Statements like, “there will be blood in the streets” are inflammatory and dangerous. 

        The left is promoting violence in many ways.  Saying someone is so passionate about their cause is no excuse for violence.  Blaming guns is just a copout. 

        God bless President Trump and guide him to make America great again.

                                      http://BusinessFits.com

Capitalization

        Adequate capital is essential for any business; lack of capital is the number one cause of business failure.  A minimum investment is required in order to compete in the marketplace.

        This is especially true for new business startups.  One of the myths addressed in Business Fits is “Start small and grow.”  This seldom works.  The idea of growing a business out of profits doesn’t work.  Growth requires additional capitalization. 

        When I bought a Ford/Mercury dealership, my capitalization was under Ford’s guidelines.  I could not see where I would use all the capital.  I found out in less than ninety days.  The dealership was in bad shape when I bought it.  It was easy to improve the business and we tripled business in three months. 

        This rapid growth created such demands on capital that we could have been out of business in four months.  As with most automobile dealerships, the local banks are not large enough to provide all the necessary financing.  I was getting calls from my banker that he had received a sight draft and we were over our credit limit and overdrawn.  Luckily, I had silent investors that were initially aware of this potential problem and had the deep pockets needed to provide additional capital.  

        I advise new business startups to project all potential costs.  Then go back and revise the estimates to the high side anticipating maximum delays.  Then double the total and it will probably still be low. 

        Franchising is successful partially because a good franchisor will not award a franchise to a franchisee that is undercapitalized.  I have heard entrepreneurs say they would not buy a franchise because they can do the same thing cheaper on their own.  This is not true and is a recipe for failure. 

        Private sector business requires capital.  Unlike big government, money is not unlimited.   Private businesses cannot just tax, borrow, and spend like there is no reckoning in the future.  I hope we are getting rid of the political elite with this attitude.    

        God bless President Trump and guide him to make America great again.

                                      http://BusinessFits.com

Paris Climate Accord

        President Trump pulled out of the Paris Climate Accord last week, a very smart move because it was a bad agreement that hurt the US economy and was costing American jobs.  This is President Trump keeping one more of his campaign promises.

        The agreement was not binding because it was never approved by the Senate as required by law.  It was also a farce because it gave a pass to all the world’s worst polluters.  The agreement had no enforcement method to make these countries comply at any point in the future.   

        Other world countries objected to the US pulling out of the agreement.  Of course they did.  The agreement gave them a clear economic advantage over the United States.  It was just one more attempt to transfer wealth from the US to other second and third world countries. 

        The lame stream media says a large majority of our country is opposed to Trump’s decision.  I totally disagree with this statement.  This must be based on the same polls and media that said Trump never had a chance to win the Presidency. 

        I am not opposed to protecting the environment.  I advocate repairing things rather than replacing them.  We live in a throw-away society.

        I am a fan of recycling waste.  In our county, we have one of the two waste-to-energy plants in Wisconsin.  We are struggling to keep it operational after 31 years.  Burning waste and turning it into steam and energy eliminates 90% of the waste going into a landfill, plus we are generating energy.  If the federal government is serious about protecting the environment, they should consider helping waste-to-energy plants.

        I believe in climate change.  This area of Wisconsin was once covered by a glacier.  That glacier melted due to climate change.  What was the cause?  I don’t know, but I do know it was not caused by man-made carbon emissions. 

        We recently had an F3 tornado a block north of us.  It was on the ground for 83 miles and was up to one-half of a mile wide.  The devastation is unbelievable.  Mere mortals have as much chance of controlling the climate as we do of controlling that tornado.  We better start concentrating on controlling the things we can control and leave the rest to God.

       

God bless President Trump and guide him to make America great again.

http://BusinessFits.com