A Persons View

How many of us have taken the time to try and look at things through another persons point of view. IT can be hard at times. After all how do we know if we actually achieve it? I was talking with a person the other day and realized he couldn't understand what I was saying. I attempted to slow down and catch the moment. We talked a little more and we began to communicate much better. I was able to get him to think about how all the worlds troubles were caused by men and their minds. He paused and you could see he had never thought about what I had told him. I listened to him so I might understand his thoughts. He apparently was wrapped into a material world point of view and had never really concidered any other possibilities. Maybe there was more to our existence then what we thought as children. Our world is in for a huge violent conflict in the near future I believe. It stems from the beginning of time. Ideological beliefs that we have killed each other over since man walked the earth. It is sad that we never seem to figure out any other way to express our point of view. The world has become a small place with the Internet. Violent civilizations have the ability to interact and wage war in a whole new way. This has gone on since Kane killed Able. Jealousy over belongings, and our chosen mates, has been a source of conflict but the number one reason is religion. If you have strong religious beliefs you are more likely to defend your ground than if you are void of commitment. I have my beliefs. For the sake of open thought I wont state mine here. Look at the news. People are engaged in violent acts of terror and shootings and beheadings and on and on.... All of this is from a persons point of view. People that refuse to see things through another persons view and are willing to kill you rather than adjust their thinking. A point of view that ends in violence. What is your point of view?

The "Change" is bad.

I do not put my ideas down here very often. Nobody reads them anyway. Lately our nation has been under the final attack from radical left wing Evil force. I have been criticized by the left for my red white and blue attitude. Good, I must be on the right track. The sad part about where we find ourselves at this point in time is it has been coming for a very long time. The ideology started before any of us were born. The latest uprising of power over the people instead of power by the people got new blood during the 1960's. The rebellions many of us remember and maybe participated in were a breeding ground. The weather underground, Bill Ayers, Abby Hoffman and on and on were easy to get behind if you were a rebellious youth. Rebellious young people are a part of every generation. We do not and did not have a corner on that market. As a young person you tend to believe that your ideas are unique from an older generation and so history rotates again and again. Wisdom most times comes from experience over time. Youth is not capable of experiencing time tested results. The advent of digital media that we all seem to partake in has changed the game. The evil aspect of communism, radical Islam, and just plain greed for power has been able to access the minds of our youth as we went about our daily routines. The department of education has been a pipeline while we were asleep. One of my friends was a history major. His daughter, 13, had some history home work she needed help with. He got out his history books from college to assist her. To his surprise the local school curriculum had been rewritten as to reflect our great nation as an evil force in the world. History is our road map to the future. The Department of Education is changing our future through false records of history. That is merely the canary in the miners cage. Our country is in deep trouble and it goes way beyond what we see on the news. I don't know if we can turn it around. It would require a monumental effort from a huge majority to stand up against the evil in every area of our society. Public education is a joke, rules and regulations disguised as "good" for us are a disaster, executive orders being used instead of due process, and on and on. I believe we are reaching our last chance to stop Obama and all the evil players in his background. If "we The People" do not get vocal and visible in our Congressman and Senators faces right now it is most likely over. Blogs like this will be deemed as an enemy of the state instead of the right to free speech. Your guns and ammunition will be outlawed in one form or another. From that point on you will no longer have anything to say about how this country is governed. It comes to each generation to defend our freedoms. Our call is now. My business is being regulated out of existence. The tax burden is increasing and it seems nobody in Washington D.C. can stop the madness. If our elected officials are insane, the votes don't get counted for real, and our children are brain washed to turn against us, we have very few options left. I believe this administration is going for the final play to bring this country to it's knees. As I said before, it might already be too late. The question is, what are we going to do about it?

From My Web Page

You Might Be At Risk!

I have a business that deals with a lot of insurance claims on a daily basis and I have been watching a disturbing trend taking place that affects almost every body in our country. Some insurance companies are not worth purchasing a policy from. Do you remember what happened after the last big storm when some people were being shorted on their home repairs while their neighbor seemed to get first class service? I talked to a man that was only paid $8.00 per shingle that could be observed as missing from his roof instead of just replacing the roof the way it needed to be done. He was denied any further repair and he ended up paying to have his roof fixed out of his pocket. My roof was replaced with no questions asked. I asked him later and discovered we paid the same amount in premiums. That made me take a closer look and I have been shocked at what I discovered and how much business I have lost due to my asking questions and telling the truth.
How many of us have gone in for medical attention only to find out later that your insurance company say's Oh, they don't pay for that; you will be billed for that portion of the bill! Ouch. When was the last time you had your car repaired after an accident only to find out you would only be compensated with "imitation parts" and some of the repair would not be done on your car to "keep the cost down", while your neighbors car was accurately restored to pre-loss condition with no questions asked. If saving money is the goal and we both pay the same premium then whose money are we saving? Due to the lack of information about what you are buying when you purchase your insurance, people are being taken to the cleaners on a scale that is stifling.
What other product do we buy that must be paid for in advance with no way to measure what it is you are actually buying until you need it. Would you go into a car dealership and let them decide how much to write the check for and then let them pick out the vehicle of their choice? You could pay for a new $70,000 dollar car and purchase a used clunker that you do not get to see until after you bought it. Would you plan a 5000-mile trip with your family, take your wife, your kids, and all the bags to the dealership and wait to see what they bring out for you with no legal recourse?. Doesn't this fact scare you? Why do we buy our insurance coverage this way?
I constantly hear people say, "I have good insurance" only to find out they don't know what they are talking about. It is because the girl in the office is so nice to you when you pay your premium. People usually are nice when you hand them money. What about when you have a claim? Some insurance companies are good under both situations; some are not. The ones that are the worst, seem to advertise the most. Gee who pay's for that? Aren't those cute little ads neat? I see a direct parallel between large marketing of cheap premiums and the worst coverage. The better companies don't seem to advertise their premiums as the selling point but how they protect you. This not always true so read the following and ask someone in your area for a referral before it is to late. Then, change your insurance to match your local market. What is good in my town may not be the best in your area. This all depends on many controlling factors in your part of the country. The laws are different in every state.
I talk to people sometimes who think that their home owners and auto insurance coverage is like a life insurance policy. They are not. A life insurance policy doesn't allow you to change companies in the middle of the policy because you are building a fund. Home owner's and auto insurance works more like a contract that is in affect at any point in time. Just because you have been paying your auto or home insurance premiums for many years you are not "building up" coverage. You can buy home and auto coverage one day and have a claim the next and your coverage is exactly the same as a person who has paid for the same coverage from the same company for 30 years. I was surprised to find out how many people didn't know this simple fact. You can change auto coverage at any point in time as long as you do not lapse between policies and you will get your money back for the balance of what you have paid on your old policy pro rated. So you can switch your home and auto insurance anytime to a better company.
If you want to shop for insurance, where would you go to find out which insurance companies will take your money and protect your assets if you have a claim? Few, if any, insurance agents actually handle the claim once you file one. They can help only a little in the case of a dispute but not much. All insurance companies have claims departments and adjusters to deal with the actual claims process. I am shocked at how little our local agents actually know about what the claims department actually pays for once the claims department takes over. Their job is to sell the policies and try to help with limited questions. I can not count the number of times the claims departments ignore any comments about getting the agent involved to help a person with a dispute. The claims people don't care and they trump your agent every single time. They are trained at the schools they attend for their job. From early on they are watched very closely. Claims people with a sense of fair play and balance are usually weeded out pretty early in their careers. They need to have the mentality usually found in a hit man for the mob. Their jobs have an eerie similarity. No reason to care, they are just there to do a job. You pay protection money and they send a guy to reduce their losses. Interesting when you think about it. The organized corrupt insurance companies send a guy called an "adjuster". Not unlike a hit man, he just doesn't shoot you, he merely cheats you out of your hard earned money or seizes your assets. Its like financial farming. They leave you alive so they can continue to milk you for more premiums before your next claim.
So, where do you find accurate advice? Should you ask a used car salesman if the lot down the street is the best place to buy a used car? NOT! So never ask an insurance agent either. If you want to shop for medical coverage whom should you ask? Why not the billing department at your doctors office or the hospital? The accounts receivable person in the billing department probably knows more about who will cover you and who sends the "adjuster".
If you want coverage for your home why not contact a few reputable contractors that "you" would trust to do the work if a tree fell on your home or if you have a fire? They are the people you are really going to need to trust. Ask the billing department for the contractor which companies take care of their claims properly. Which insurance companies pay their bills in full and on time? Or do they send the "adjuster".
Auto coverage is the same way. Why not ask a body shop for an insurance company referral; ask one of the reputable body shops that you would choose to repair your vehicle in case of an accident. Not all body shops are the same and not all insurance coverage is the same either. Will your car get fixed properly or will the "adjuster" guy show up to do his "job" on you? Ask for referrals from people that know how you will be taken care of "before" you need your insurance. After you have a claim started, it is too late to change; you will be at their mercy and it might surprise you just how poorly your expensive possessions could be treated by the "adjuster".
This insurance situation is the worst fleecing of America and no body can see it. During tough economic times, it is even more important that you review how well you are insured. Ask the people that know. Seek out honest, fair businesses. You cannot afford to wait until it is too late. The cheapest insurance is never the correct choice and the most expensive usually is not the best coverage. You can find top value for moderate prices if you will just put a small amount of effort into it. That is one thing you can do to protect your personal economic position for free. In a tough economy it is even more important. You might not be able to make up the difference if you have one of "those insurance companies". You could be left with a large ugly financial gap after you pay your hard earned money on a Bernie Madoff style policy. How many poor struggling insurance companies do you know? There aren't any..... They take your money and invest it to make huge profits that they use to pay themselves billions in combined bonuses and perks. They build multi-million dollar buildings for the records processing and treat you like a problem instead of the owner/investor that you are.

As an experienced observer...... You should share this with as many people as you can. Over and over again until it sinks in. Every single thing in your life is controlled by insurance anymore. Break it down and think about it. Every single business and person in this nation is required, by law, to buy insurance to do anything. The ink on paper, the paper, the truck that shipped it, the fuel, employees, the computers, the very essence of every item is required to pay into the insurance fund. We are being ripped off on a massive scale and the general public has probably never even thought about just how far reaching insurance tentacles are entwined into every single thing you touch. Make no mistake about it, they can afford to pay fairly on their claims for insured loss. Fight back with your wallet and only buy insurance after you get a referral from a non-insurance reputable professional that deals with insurance claims . Avoid rip off insurance companies and protect your assets. It is your money and your assets. Fair insurance claims protect our nation and our general basic economy. Fair claims support small business and that creates jobs that pay taxes. We all need to stand up and cry foul! Insurance companies that pay their executives sickening salaries and year end bonuses need to be avoided. Protect yourself, they won't.

Jerry Richardson

Will We Miss The Opprotunity?

Is our nation waking up to the destructive effects of liberalism? The crushing debt, loss of privacy, the lack of personal dreams of success. I for one hope so. The fabric that made this country so great is the very system that is under attack. If we the people do not demand accountability of our elected officials and the corporations that run this nation we are doomed to a dismal end of freedom. Please stop seeing hard working business people as the enemy and see what this nation is based on. It isn't spoon fed government hand outs. It is the free spirit to succeed as an individual. Now I am not saying you need to become a pollution monster and step on people to get what you want. I just want your freed om to succeed to available to our children. Let them dream to change the world and not struggle with a social debt load handed down to them by an administration and a generation that refused to stand up for them. The Obama group talks about making changes for the "people". What a bunch of crock! They are killing our future to getting us prepared to fall into their trap. They want to hand us over to the EU on a silver platter. Socialism in conjunction with Europe to trade with China and India. Like we are not strong enough to fix our own problems. Cut our governments ridiculous spending on bullshit and cut our taxes and regulations. Let us work our way back to prosperity like we have always done in the past. We were a Trillion dollars in debt after WWII and we worked our way out of that. The American entrepreneur was the back bone of that process, not the government. The government does not produce any products so they are not self sustaining. We are their money and we need to say "NO" when it is misused. Vote long timers out. Pressure your representatives. Go to a tea party as an independent or anything you can think of to rock the boat. We must save our country. Massachusetts stood up and just said "NO". We need to follow their lead. We must vote against the status-quo no matter what it takes. Cut the purse strings at all cost and force them to buckle down to our constitution. If we don't do it now, we will for ever look back upon this time as the turning point when we missed our chance and we let it slip away. The socialists are hoping we are asleep at the wheel. I hope they are wrong.

What Now?

Now that we have had a year to see how the stimulus plan is working I still am not a socialist republic fan of the fundamental change sweeping America. This last week the Saudi Kingdom and China are in talks to no longer honor the U.S. Dollar as valid currency to purchase oil. I hope the "New World Order" is not planning to destroy the good ol' USA. The control of our country has been taken over by a band of people that don't seem to have our best interest at heart. I guess I am in the minority with my opinions. It is hard to sit by and watch our country be dismantled and sold piece at a time. I suppose it is just one of those things that can only be observed but not controlled. Have you ever sat on a beach and watched the tide come in? You can not stop it no matter how hard you try. It will eventually go back out just like the political climate will ebb and flow. That still does not change the fact that your castle in the sand will be completely wiped out before the tide changes. I think our country is like that castle in the sand right now. The tide of liberalism is hell bent on trying to change us into a part of the European Union or dissolve us into oblivion.
Through out all of recorded history nations have been attacked and conquered. Why is it so hard for people to see that is what is happening to us right now. No guns required. Deficit spending with China buying the paper and our current President's apparent faith in socialism, we are on a path to change our country in ways the average person on the street does not understand. Part of the problem is the younger generations have been educated with false doctrine to prepare this great nation for a complete take over. If we could not be conquered militarily then internal subversion is the only choice for those that want us removed from the world stage.
I know that most people do not see what I am talking about because to many of us were born after the time when our country was "The" place all freedom seeking people dreamed of. They risked everything they had just to get a chance at the "American Dream". I am sorry to say the dream is over. The next generation will never know what they gave up. History will write the chapter. But will it be written truthfully. Probably knot because in order to control the people and stop the freedom movements around the planet mind control will not allow for the truth. I have lived in the glory of our nations greatest period and am still watching as deterioration sets in.
From here I do not have a good answer. I am waiting like the rest of us who lived through the 50's. What now?

Waiting for the change....

Well the election has come and gone. I suppose their has been such a push to through out George Bush no body really knew what they wanted to replace him with. Soon the Obama feel good smoke will clear and we will all have to wake up to the fact that we are all in a world of hurt. The democrats are in charge. If this is the change we can believe in then the country must believe in things I don't understand. I thought that when you max out your credit card you don't go and get one with a bigger credit limit. You pay it off. The Democrats seem to think they can pork their way out of this. If the Republicans spending to much and cutting the tax rate was the evil we had to stop then where do we go from here? It is obvious to those of us who have been alive for 50 to 60 years that who ever we vote into office only changes the feeding order of the hogs at the feed bin. Not the amount of pork getting fed. One team has taken over the bin so let the unchecked feeding begin. Who is tending the fields to grow more feed? No body is paying attention.
I guess the point of no return is difficult to pinpoint but we might have already crossed the threshold. I believe, the only way out of this mess is let nature take it's course. A Crash Course if you will. That is the nature cycle of business and economics. What goes up must come down. Let it fall and lets start over. People will work their way out of this if they get their welfare checks cut off. Their are no guarantees. Blue collar pride needs to make a come back. "A working class hero is something to be." John Lennon.

Post Election

Well I wonder how long the post election euphoria will stall the crash? Once the consumers realize their vote won't have any effect for about 6 to 10 years the desperation might begin to set in. If that happens on a larger scale our economy will begin to come apart at the seems. Then what will the liberal bleeding hearts do with their feel good approach to government? The rest of the world is watching like never before. "Can't we all just get along". Sure we can all get along as long as other foreign countries don't decide to challenge our weakness. What then? I suppose we are going to try the milk and cookies approach to terrorism? I suppose the only problem with that scenario is at the milk and cookie party some of the guest will probably be armed and dangerous. What then, hit them with the whole plate of cookies and splash milk in their eyes? That ought to show them just how tough we are!
I still think the only way out of our mutual situation is to support small business growth. That will create jobs and begin to restore consumer confidence. Once we all get over the fact that some of you went into debt to far and couldn't take care of yourselves in a deep recession we will begin to work again. Maybe not at your old job but a new more realistic profession. One that doesn't involve cheating the public. Our nation became great because we were willing to build better products with skilled labor than any other country after WWII. Now their are other countries with a much more dedicated work force and they are building much superior products to our meager efforts. I own a business that I have attempted to take green. It is cutting edge for what I do but not very many manufacturing industries have been able to do this. The consequences of the environmental movement has placed an unfair competitive balance in favor of other nations. Their is no quick fix, we loose. Eventually things will work out because we, as a people, will not just lay down and take it. I believe we will begin to build green industries that will provide products the rest of the world will steal and build cheaper and better. That has been the pattern for the last 40 years or so. The outlook does not hold a picture that will ever be as prosperous as this generation has experienced. From here on out we are going to have to all work harder for less money. The peak has been reached, it's down hill from here for quite awhile.