Memorial Day is this weekend and the country honors those who have sacrificed for our freedom. Many of us will travel and enjoy the outdoors. However, according to a study by the National Coalition for Safer Roads, Memorial Day Weekend is the most dangerous holiday for road and highway accidents. Additionally, water injuries, including drownings may rise this weekend. Grill injuries can occur, and throughout the US we are seeing record high temperatures. We need to stay safe out in the sun, by the grill, in the water and on the roads.
Record heat and extended time outdoors can increase the risk of heat illness. Hydrate, stay in the shade and protect your skin from damaging UV rays.
Sunscreen with an SPF of 30 or greater should be applied 15-30 minutes prior to going outside and reapplied every two hours or more often if swimming.
Avoid excessive alcohol as it could accelerate dehydration and put one at greater risk of injuries and heat exhaustion.
For more on heat exhaustion and heat stroke read here.
In 2012, a man caught on fire after spraying sunscreen prior to heading over to the grill. He sustained multiple second degree burns.
Sunscreen may be flammable, so make sure it is dry prior to grilling or use a lotion instead of spray on.
Keep the grill outdoors but away from low roofing, branches, and trees. Watch the little kids and keep them and the pets away from the barbecue.
Assign someone to watch the grill if you need to step a way during grilling.
Do not add lighter fluid to already ignited coals.
If someone does catch on fire, remember to have them stop, drop and roll on the ground until the flames expire. Call 9-1-1 and remove any jewelry or tight clothes around the area..
If a minor burn injury does occur, run it under cool (not cold) water for 10-20 minutes. Avoid applying ice to the burn as it can damage the skin. Also remove nearby jewelry.
Bandage and see a medical provider if concerned with your injury.
Avoid drinking alcohol when swimming or engaging in water sports.
Make sure you are in arm’s reach of your kids in the water.
Use life vests while boating and make sure the kids are wearing appropriate sized vests.
Never swim alone. Always have a buddy.
Know your route to avoid you checking your GPS app while you drive.
Allow extra travel time and don’t rush. Expect travel delays coming home as well.
Consider leaving a day or two early or a day or two late to avoid congested traffic.
Drive the speed limit and avoid tailgating, leaving at least 2 seconds between you and the car ahead of you.
Make sure you have plenty of water, supplies and a first aid kit in the car in case you get stuck on the highway.
Have a happy and safe Memorial Day Weekend!
Louisiana Congressman Steve Scalise says he is still struggling over whether to forgive the man who shot him two years ago. “I’ve never, internally, formally forgiven the shooter from the baseball shooting,” he said. “It’s something I’ve struggled with as a Catholic.”
It would be hard for many, including me, to forgive such a transgression. I’m still personally quite bitter over wrongs that happened to me some years back. So I understand the reluctance to forgive.
But what about turning the other cheek, and forgiving one’s enemies as we read in scripture throughout the New Testament? Can we suffocate our bitterness and a feeling that some form of retribution is unnecessary? Does continuing anger and hostility become tantamount to suffocating oneself emotionally? “The effects on one’s health from bottled up anger and resentment can range from anxiety and depression to blood pressure and increased risk of heart attacks,” says professor of medicine Amit Sood at the Mayo Clinic. “Forgiveness, by contrast, allows one to focus on more positive thoughts and relationships. It allows you to free up the real estate in your brain taken up by negative thinking.”
Forgive and forget, so goes much of the conventional wisdom. Move on with your life and just chalk it all up to tough lessons learned. But isn’t it possible to continue with the positive aspects in one’s life, learn from past mistakes, and continue to grow, putting aside the bitter feeling that you suffered a terrible wrong? Simply put, don’t maintain continuing anger, but don’t forget.
In the fall of 2015, Pope Francis sent the body of St. Maria Goretti on a limited U.S. tour. The youngest canonized Saint has a compelling story of suffering and forgiveness. St. Maria was born into poverty and raised in Corinaldo, a beautiful medieval village in central Italy. Maria, whose father died when she was nine, raised her five siblings when she was only eleven while her mother worked in the fields. One day, a twenty-year-old neighbor accosted her and, as she fought him, he brutally stabbed her repeatedly.
Maria died the next day, but her last words were, “I forgive Alessandro Serenelli (her attacker) and I want him with me in heaven forever.” Alessandro was so overcome that he lived the converted life of holiness in prison and eventually became a Franciscan lay brother.
One of the stops on St. Maria’s U.S. pilgrimage was Baton Rouge, where the coffin with her remains was to be displayed in veneration at Lady of Mercy Catholic Church for three days. Crowds of worshipers were expected to visit the Saint from a number of states. The pastor there, Father Cleo Milano, has been a good friend and I called him to see if there was a possibility of any quiet time with St. Maria. He suggested I come by the church close to midnight after the doors were locked down for the night.
As the sanctuary was about to be bolted and the lights were dimmed, I made my way down the center aisle of the church and sat beside the remains of St. Maria. I touched her coffin and prayed for my family. And then, I thought to myself, this beautiful child, now a Saint, was brave and open-hearted enough to forgive the cruel demon that took her life. Although I too was wronged in ways that I felt were so unjust, should I not be empathetic and compassionate enough to forgive those who so aggrieved me?
I thought about it for good while. I guess I even prayed over the decision. After much contemplation, I quietly got up from my pew and walked out of the church. So what was my decision? Could I forgive those transgressions?
Often, your adversaries, by their impertinence, bring themselves down and destroy their own reputations. In my case, nemeses that caused me harm have themselves been damaged and suffered humiliation. So what to do? Forgive them? In my case, I decided just to wait them out. They ended up destroying themselves. What’s the old saying: If you stand by the river long enough, your enemies will come floating by.
I’d urge the Congressman to take his time and be sure that forgiveness is something he really wants to give. If not, just bide his time. After all, revenge is a dish best served cold.
One of the leading causes of death in hospitalized patients is much more complex than once thought.
Septicemia is an infection that enters one’s blood stream. This can result in Sepsis, a life threatening condition that occurs in response to the blood infection. Its definition has been fluid over the years as more research reveals it’s a disease process.
IMAGE FROM TRISTATEHOSPITAL.ORG
Now researchers in a study published in JAMA describe 4 separate subtypes of Sepsis. These include:
α phenotype had fewer abnormal laboratory values and less organ dysfunction;
those with the β phenotype were older, had greater chronic illness, and were more likely to present with renal dysfunction;
those with the γ phenotype were more likely to have elevated measures of inflammation (eg, white blood cell count, premature neutrophil count [bands], erythrocyte sedimentation rate, or C-reactive protein), lower albumin level, and higher temperature; and those with the δ phenotype had elevated serum lactate levels, elevated levels of transaminases, and hypotension
Dr. Christopher Seymour of the University of Pittsburgh School of Medicine, states in Medical Express, “Right now, our treatment approach to sepsis is basically ‘one size fits all,’ whether you are a 40-year-old with influenza complicated by [a] staff infection or an 80-year-old with multiple comorbidities and biliary sepsis,” he said, adding that international sepsis practice guidelines recommend the same bundle of care for everyone.”
Current goals in medicine aim to treat the patient rather than the disease, and as we need to individualize treatment for those with high blood pressure, cancer and diabetes, we need to as well with acute, deadly diseases such as sepsis.
U.S. Rep. Justin Amash (R-Mich.) on May 18 called for the impeachment of President Donald Trump in a Twitter thread, accusing him of committing obstruction of justice and “conduct that violates the public trust,” citing the report by Special Counsel Robert Mueller as justification.
Nowhere in the Twitter thread did Amash make a specific allegation of which conduct by President Trump he was referring to that obstructed justice or violated the public trust — although he said there were “multiple examples”. In May 2017, Amash did indicate that President Trump firing former FBI Director James Comey could be a basis for impeachment, a topic the Mueller report does consider, so let’s assume for the purposes of this discussion that in part that is what he’s talking about.
Critically, nowhere in the Twitter thread did Amash mention Russia or the fact that the Mueller report had found no coordination or conspiracy with Russia by President Trump, his campaign or any American for that matter to interfere in the 2016 elections.
Mueller stated in the report, “[T]he investigation did not establish that members of the Trump Campaign conspired or coordinated with the Russian government in its election interference activities.” It also stated, “the evidence does not establish that the President was involved in an underlying crime related to Russian election interference.”
That is important because the only reason President Trump was under investigation in the first place were false allegations made by former British spy Christopher Steele, beginning in the summer of 2016, paid for by the Democratic National Committee and the Hillary Clinton campaign, that Trump was a Russian agent and his campaign had coordinated the hack of the DNC and posting the emails on Wikileaks with Russia. Those allegations were given to the FBI and eventually formed the basis of the Foreign Intelligence Surveillance Act (FISA) warrant application against the Trump campaign in Oct. 2016.
Amash has always been a hawk on reining in FISA abuse. In July 2013, Americans for Limited Government supported his efforts to rein in mass surveillance by the National Security Agency (NSA). In Jan. 2018, when the USA Rights Act came up as an amendment by Amash, Americans for Limited Government again supported it, specifically because we believed if it had been law, the FISA abuse that occurred in 2016 would not have been possible, and that it might be a means of preventing it.
When more information about the Steele dossier’s role in the FISA warrant began to be known in Feb. 2018 with the release of the House Select Committee on Intelligence memorandum, Amash responded on Twitter calling for Congress to enact the USA Rights Act if members of Congress were concerned about FISA abuse.
Of the memo, Amash said, “The central allegation is that a warrant was obtained fraudulently or without sufficient cause. If true, it shows the dangers of the secret Foreign Intelligence Surveillance Court, something @libertycaucus and @freedomcaucus members have been saying for a long time.”
Amash noted, “the section of FISA discussed in the memo requires probable cause and a warrant.” Here, Amash is referring to 50 U.S. Code Sec. 1805(a)(2), which would have required probable cause that Carter Page, then a Trump campaign official, was acting as a foreign agent for the warrant to be issued.
But there was no probable cause. Steele, we now know in the Oct. 2016 FISA warrant application obtained by Judicial Watch in July 2018 in a Freedom of Information Act request, used “sub-source(s),” and the court was fully aware that Steele was not an eye-witness to the allegations. It stated Steele “tasked his sub-source(s) to collect the requisite information.” And then, after Steele “received information from the sub-source(s),” it was passed along to the FBI. So, the court knew it was second-hand or third-hand information, or hearsay.
These were rumors that were given to the FISA Court. The information was unverified, something Steele would later admit in testimony, saying that the allegations needed to be “further corroborated and verified.” Steele said his sources were Kremlin officals close to Russian President Vladimir Putin, but so far no evidence has been presented publicly he actually spoke to those sources directly.
In fact, Steele never went to Russia. Instead, according to testimony by Fusion GPS’ Glenn Simpson before the Senate Intelligence Committee in Nov. 2017, Steele hired “a network of sources who live in or came from the place that you’re interested in… who can travel and talk to people and find out what’s going on” to get the dirt. But we don’t know who, since, per Simpson, “I didn’t ask for the specific identities of specific people.”
On why didn’t Steele go to Russia himself, Simpson said “[H]e really would not be safe if he went to Russia. He’s been exposed as a former undercover British Intelligence officer who worked in Moscow. So it wouldn’t be wise for him to go to Russia.”
A March 2017 Vanity Fair piece about Steele by Howard Blum similarly stated, “[Steele] could count on an army of sources whose loyalty and information he had bought and paid for over the years. There was no safe way he could return to Russia to do the actual digging; the vengeful F.S.B. would be watching him closely. But no doubt he had a working relationship with knowledgeable contacts in London and elsewhere in the West, from angry émigrés to wheeling-and-dealing oligarchs always eager to curry favor with a man with ties to the Secret Service, to political dissidents with well-honed axes to grind. And, perhaps most promising of all, he had access to the networks of well-placed Joes — to use the jargon of his former profession — he’d directed from his desk at London Station, assets who had their eyes and ears on the ground in Russia.”
McCain Institute Senior Director for Human Rights and Human Freedoms David Kramer, testified in federal court about when he met Steele to get the dossier after the 2016 election, with the purpose of giving it to the late Sen. John McCain. Kramer said Steele told him, in Kramer’s words, “what was produced … needed to be corroborated and verified, he himself did not feel that he was in a position to vouch for everything that was produced…”
In May 2017, former FBI Director James Comey told the Senate Intelligence Committee that the dossier was “salacious and unverified.”
By the time President Trump was being inaugurated in Jan. 2017, the dossier had been published by Buzzfeed. It was known as early as April 2017 that the dossier had been used in the FISA warrant application. That was a month before Comey was fired by President Donald Trump for lying to him about the extent of the investigation.
In his order firing Comey, Trump wrote, “While I greatly appreciate you informing me, on three separate occasions, that I am not under investigation, I nevertheless concur with the judgment of the Department of Justice that you are not able to effectively lead the Bureau.”
Steele had alleged in July 2016 that not only had Russia hacked the Democrats and put the emails on Wikileaks, which was already public knowledge since June 2016, but that Trump and his campaign helped with “full knowledge and support” of the operation. Former Trump campaign manager Paul Manafort, as well as campaign advisor Carter Page when he traveled to Moscow in July 2016, were both named by Steele as the key intermediaries to the Kremlin. Steele said then-Trump personal attorney Michael Cohen had traveled to Prague in the summer of 2016 to meet with Russian agents to mop up the fallout of the supposed operation.
The Mueller report debunked those claims, stating, “In particular, the Office did not find evidence likely to prove beyond a reasonable doubt that Campaign officials such as Paul Manafort, George Papadopoulos, and Carter Page acted as agents of the Russian government — or at its direction, control or request — during the relevant time period.”
Manafort was brought up on unrelated tax and bank fraud charges. Papadopoulos pled guilty of lying to investigators about his start date with the Trump campaign. Page was not charged with anything. As for Cohen, per the Mueller report, “Cohen had never traveled to Prague…” And so, he very well could not have been there meeting with Russian intelligence officials.
Trump knew all along and was well aware there was no basis for the investigation. For example, it was known as early as Jan. 2017 that Cohen had never traveled to Prague. Trump himself was also in a position to know that Steele’s allegations that he was Russian agent were false. So, when it became public that the FBI relied on false allegations to get electronic surveillance on the Trump campaign, and that the investigation into Trump had been carried over into his administration, which Comey lied about to Trump, the President had more than ample basis for firing Comey.
The only reason Mueller was appointed was because Trump fired Comey, who was leading the investigation — which turned out to be into a crime that was not committed by Trump or his team. At the time, Amash was already on the record in May 2017 saying that the firing could be the basis for impeaching Trump.
But Comey should have been fired. The FISA warrant, which Comey signed, and the ensuing investigation that carried over into the Trump administration in 2017 was all based on false information.
The FBI had reason to doubt Steele and his sources, and yet kept going back to renew the FISA warrant. A New York Times report Scott Shane, Adam Goldman and Matthew Rosenberg on April 20 that in Jan. 2017 reported the FBI interviewed one of the main sources for the dossier and came away with “misgivings about its reliability [that] arose not long after the document became public” in Jan. 2017.
Per the Times report: “By January 2017, F.B.I. agents had tracked down and interviewed one of Mr. Steele’s main sources, a Russian speaker from a former Soviet republic who had spent time in the West, according to a Justice Department document and three people familiar with the events, who spoke on the condition of anonymity. After questioning him about where he’d gotten his information, they suspected he might have added his own interpretations to reports passed on by his sources, one of the people said. For the F.B.I., that made it harder to decide what to trust.”
What is disappointing about Amash is he has previously championed FISA reform in 2013 after the NSA mass surveillance program was exposed by whistleblower Edward Snowden. What does Amash imagine should happen to government officials who abuse the federal government’s spying powers? Should they get promotions or something?
By defending Comey’s actions, which permitted the FISA court to be defrauded by Steele, the DNC and the Clinton campaign even after the FBI knew it was a fiction, and condemning Trump’s actions to fire Comey, Amash is condoning the use of FISA to spy on a presidential campaign, the opposition party, in an election year, for crimes, conspiracy with Russia to interfere with the election, that were not committed by Trump, his campaign or any American.
In short, Amash is buying the Justice Department’s official rationale for the Russian collusion investigation that there was “probable cause” that Trump was a Russian agent when we know for a fact that was a lie today. The court was given false information. The call for impeachment comes despite the fact that in Feb. 2018, Amash said that “a warrant… obtained fraudulently or without sufficient cause… shows the dangers of the secret Foreign Intelligence Surveillance Court.”
I suppose now Amash no longer believes that fraudulent FISA warrants are dangerous if they’re taken out against his political opponents, like President Trump.
Ironically, Amash now warns that “America’s institutions depend on officials to uphold both the rules and spirit of our constitutional system even when to do so is personally inconvenient or yields a politically unfavorable outcome.” He added, “When loyalty to a political party or to an individual trumps loyalty to the Constitution, the Rule of Law — the foundation of liberty — crumbles.”
I agree, and in this case, Amash might want to take his own advice. In July 2013, when the House debated his amendment barring suspicionless surveillance, Amash asked, “When you had the chance to stand up for Americans’ privacy, did you?” Today, Amash is failing his own test. So blinded by his apparent political hatred of President Trump is he, Amash is ignoring the flagrant abuse of spying authorities that occurred in 2016 against a political campaign that most certainly endangers the liberty of all Americans. For shame.
If you ever want to see what a bunch of worthless pukes who inhabit the lamestream media produce, put the “news” app on your iPad and read it every morning.
It is SUPPOSED to be a compendium of reporting.
It IS a compendium of anti-Trump horse crap.
Fox News and the Wall Street Journal are the token sort-of-conservative news providers. The rest are mostly designed to bring to mind the words “enemies of the people.”
The reason I read this crap is that one should always read what the other side is saying. Even if it makes your head want to explode.
Washington is full of people—many in the media—who no matter where they come from lose their affinity with the average American—you and me—as soon as they arrive.
Back in the days we owned KTRT in Tulsa, we had a regular caller named Jack Jackson. He used to tell our on-air hosts that once someone got elected to the School Board, the County Commission or the City Council, they arrived at the Courthouse, City Hall or the School headquarters, saw the receptionist with the 10 button phone, took a breath of that pink gas and they were never the same.
He was right.
And it applies even more to wannabes like “journalists” and staffers. Those folks are even more dangerous because we can get rid of bad elected public officials at an election. People who spread fake news and the faceless staffers who work in government seem to have lifetime appointments.
The cure for this is not more government regulation.
I’m a big believer in the First Amendment.
The cure for this is eternal vigilance. We need to vote with our channel changer and our subscription dollars. We need to question everything.
As an example, the other day Fox News Channel did a poll that they said showed that Joe Biden had widened his “lead” over the Democrat 2020 field. And that he would beat the President in a general election.
Here is what they didn’t tell you on TV. In fact, you have to do a pretty thorough web search of their site to get:
“Interviews were conducted May 11-14, 2019 among a random national sample of 1,008 registered voters (RV). Landline (231) and cellphone (777) telephone numbers were randomly selected for inclusion in the survey using a probability proportionate to size method, which means phone numbers for each state are proportional to the number of voters in each state.”
In other words, this is the same crap that said Hillary was going to win by seven points the day of the 2016 election. And, worse, it’s from FOX!
Did they exit poll 10,000 people leaving a big event? No. They look you in the eye and talk about this stuff like it is true. They don’t even tell you the methodology on screen—just what they think is the “margin of error”.
Now one thing you need to know. Even a stopped clock is right twice a day. Occasionally, these guys get lucky. But the science behind what they do has been rendered useless by the new digital landscape which makes it very difficult to find a real sample.
So thinking Americans—you and I—do our research at coffee shops, neighborhood gatherings, on Southwest Airlines and places where real people gather.
My best guess, from those sources, is that we are pretty happy with the President. He should win handily in 2020.
That’s NOT an excuse for complacency.
American college graduates are suffering financially under the weight of $1.5 trillion of student loan debt. The bulk of that debt stems from worrisome federal student loan practices and ballooning state tuition costs. Approximately 75 percent of college students attend a state university or college with tuition rates set by legislatures or state institutions. Over 85 percent of student loans are generated under the federal student loan program. In the past three decades, tuition at state colleges has increased by 313 percent.
Oddly, some seem to blame “capitalism” for the student loan predicament. Ray Dalio, billionaire investor, cited massive student debt loads in a recent article that made the case for reforming capitalism. Presidential Candidate John Hickenlooper penned an op-ed for the Wall Street Journal boldly proclaiming he is running for president to save capitalism. The very first point in his argument is that (public) high school education doesn’t provide adequate training for the modern economy. Anecdotally, we have heard the federal student loan predicament conflated with capitalism.
The Hardship Is Real
The pain of student debt is real. Sadly, there are many adults burdened by thousands of dollars in loan debt. Khalilah Beecham-Watkins, a first-generation college student and young mom, is one of many who feels as if they’re a prisoner to student loan debt. Khalilah has been working to pay down her $80,000 debt while helping her husband tackle his own loan obligations. In an interview last year, she said, “I feel like I’m drowning.”
As is well-reported, many young adults feel like Khalilah. In the United States, the average student loan debt is more than $37,000. As unsettling as that figure is, some graduates face even higher debt loads. About five percent of degree earners have student loan debt totaling $100,000 or more. Stories like Khalilah’s need to be told so that students don’t flippantly take on crushing debt without recognizing the gravity of such a decision.
This significant debt load is exacerbated by the fact that many graduates are finding it difficult to find well-paying jobs, which has spiraled into incredibly high rates of loan delinquency: More than one out of every 10 loan recipients is unable to keep up with payments. The Brookings Institute estimates that nearly 40 percent of borrowers will default by 2023. These are sobering statistics, and it’s important that borrowers be fully aware of the risks and benefits associated with debt of all kinds, including student loans.
The Benefits of Investing in a College Degree
Despite the burden that comes with debt, there are undeniable long-term benefits to earning a degree. In our skills-based economy, it is no surprise that a person with a bachelor’s degree will earn significantly more than a person with only a high school diploma. It has been estimated that a bachelor’s degree increases a person’s average lifetime earnings by $2.8 million.
And the more degrees someone holds, the more their earning potential increases. Studies indicate that earning a graduate degree could triple a person’s expected income. But in the near-term, the financial stress of loan delinquency, deferred consumption, and lower net worth is real.
While the buck ultimately stops with each of us when it comes to our own financial decisions, the student loan quagmire is chiefly the product of federal policy. Federal laws prohibiting sound commercial lending practices and states setting tuition rates high enough to guarantee they’re able to absorb all the federal money they can are complicit in this widespread problem.
Bad Diagnoses Lead to Bad Prescriptions
Rather than addressing the underlying problems of federal financial aid and rising public college tuition, politicians like Senators Elizabeth Warren or Bernie Sanders are offering politically expedient ideas. Sen. Warren proposes debt cancellation of up to $50,000 to more than 42 million people.
Sen. Warren’s plan would eliminate debt for 75% of borrowers with student loans, and federal funding to ensure students attend state college for free. But nothing in life is free. Warren’s sleight-of-hand doesn’t make existing debt or future tuition magically disappear. Rather those costs are passed on to taxpayers. And since college graduates earn roughly twice as much as high school graduates and can expect to be in higher tax brackets, guess who would be paying the taxes for Sen. Warren’s plan.
Why Federal Loans Are Not Like Commercial Loans
To understand the federal student loan mess, it is necessary to understand some details about the loans that are at the center of the issue. The federal government provides a few types of loans, but the largest share of student debt comes from subsidized and unsubsidized federal loans.
In the case of a subsidized loan, the Department of Education pays the interest on the loan while the student is in school and for six months thereafter. A student can qualify for this type of loan whether or not they are creditworthy or have the ability to repay the loan.
In typical commercial lending, a bank would not offer a loan to an individual who didn’t hold a reasonable promise of being able and willing to repay it. This harkens back to 2008 when the US housing market collapsed because of irresponsible lending practices and the belief that everyone—no matter their financial situation—should own a home. It should be no surprise, then, that some economists predict a similar implosion of the student loan market. In other contexts, this would be called predatory lending.
The State’s Role in Tuition Inflation
The second contributor to these financial aid troubles is ballooning state college tuition rates. State legislatures and state institutions set public college rates, so these state officials should be held accountable to provide lower-cost alternatives. One lower-cost alternative to traditional on-campus programs would be to offer a basic skills-based college curriculum online at-cost, i.e., based on the marginal cost of providing downloadable lecture videos and similar programming.
While the total cost to a student of an online degree currently tends to be less than a traditional degree, the tuition is often the same. By offering video of select classes, schools could unlock the value of their existing educational resources and expand access to more students. However, state schools are largely immune from market discipline, which encourages cost-cutting and leveraging economies of scale. Instead of reducing operating costs and tuition prices, state schools soak up the flow of federal loan dollars.
On the finance side, state universities could offer their own alternative to federal student loans. Take, for instance, the market-oriented model of Purdue University and offer income sharing agreements (ISAs). Income sharing agreements allow consumers to pay off a debt by sharing a portion of the student’s income with the lender for a set number of years. Instead of a loan, ISAs allow investors to take “equity” in a student’s future earnings for a period of time.
The problem with the financial aid predicament is that market discipline has been eliminated from state college education and federal financial aid. Public colleges aren’t going to be privatized and run like for-profit businesses any time soon. However, by applying market-based innovations and lessons from the private sector to state colleges, it may be possible to expand access to state college, offer alternative financing arrangements (like income sharing agreements), and reduce the cost of college through technology and economies of scale.
Doug McCullough is Director of Lone Star Policy Institute. Brooke Medina is communications director at Civitas Institute in NC. Their opinions are their own. This article originally appeared on fee.org. Reptrinted in full, with permission.
I have a question for those screamers who claim to be students of the Chicago School of Economics. Or have a gig at one of the business television networks.
What part of the Bill of Rights says “Congress shall make no law or allow no tariff abridging the right of citizens to gather at Walmart and buy cheap Chinese crap”?
To listen to most of the folks on CNBC, Fox Business and Bloomberg, you’d think they replaced the Second Amendment with that.
I’ve been in business, negotiating deals, for most of my adult life. A bad deal is when you memorialize being taken advantage of. A good deal is when all parties to the deal get something they want.
Our trade deal— from the beginning of modern time to date—with China can generously be called a bad deal.
Apparently we want the cheapest flat screen television sets so badly we’re willing to give up our rights to sell stuff in China to get them. And if President Trump thinks that’s a bad deal and wants to impose tariffs to correct it, the companies importing and selling those sets scream that the American consumer is going to take a beating. As opposed to the American worker, who of course, are one and the same.
Then, when it all is sorted out by the Wall Street Journal, that beating appears to be about $800 a year per family. And, keep in mind that the Journal is also populated by many of the same screamers on TV.
The big weekend story was that Apple could be hurt because most of its products are assembled in China.
As an iPhone user (in fact, I use just about every Apple product except the Mac) my humble suggestion to Apple CEO Tim Cook would be build your products in, say, Viet Nam or, here’s a real idea: how about Minnesota, down the street from where Mike Lindell makes My Pillows? No matter how much you say the words multi-national, living in Cupertino has to be nicer and more efficient than Beijing.
At some point you have to realize that the word “nationalism” is not a four letter word.
Steve Jobs and Bill Gates started their companies because you can do that in the United States. They expanded to markets like China in a search for new markets.
And, let me tell you a little about our “friends” in China. They owe me and millions of other Americans millions of dollars in defaulted bonds which their government doesn’t want to pay. Those bonds were issued before China became Red China and many of us either bought them or inherited them. (You can read about that at the American Bondholders Foundationhttp://www.americanbondholdersfoundation.com) They were sold by Wall Street firms who today are still selling Chinese debt.
So, I’m not very sympathetic to the words “trade war” because I doubt that the Chinese have the economic muscle to cause us much pain—not nearly as much as the folks on business TV would like us to believe.
Simply put, President Trump is right and these guys are wrong. After all, God, it is said, invented Economists to make Astrologers look good.
And if it costs us $800 a year per family—or even significantly more—to make that point to the leaders of Red China, buy less cheap Chinese crap and more stuff made in America. It will strengthen our hand and, in the long term, make our lives better.
Trump advisor Larry Kudlow explained the issues very succinctly to Chris Wallace on Fox News Sunday. “Intellectual property theft has to be fixed. Forced technology transfer and ownership of American companies has to be fixed. Cyber interventions have to be fixed. Tariff and nontariff barriers have to be fixed. And there have to be very, very strong enforcement provisions.”
To say that none of this is worth taking strong steps like tariffs is exactly like the Democrat House saying that there’s no crisis on the border.
This President fixes things. The Chinese aren’t used to dealing with a President who fixes things.
They will learn soon enough.
In the meantime, while they are dancing, pay attention to Kudlow’s observation about that, “Some of the Chinese officials have said the agreement was too unbalanced. No. The relationship has been too unbalanced and because of these problems of unfair and sometimes unlawful trading practice, we have to have a very strong agreement to correct, to right, these wrongs before we would be satisfied.”
“The problem isn’t just that Donald Trump is a narcissistic liar, the problem is that his followers don’t care!” -Unknown
If there is one thing that I have seen in my life, and that on a continuous cycle, it is the American people that are caught up into the circus of politics. Americans just cannot figure out the game that is being played. They do the same things over and over in following politicians that promise them everything and deliver nothing. In fact, they often provide the opposite of what they promised (John 8:44).
That we henceforth be no more children, tossed to and fro, and carried about with every wind of doctrine, by the sleight of men, and cunning craftiness, whereby they lie in wait to deceive. -Ephesians 4:14
This is done by the men and the women that have transformed themselves into angels of light (2 Corinthians 11:14).
Instead of Americans doing their own due diligence by studying the Bible (2 Timothy 2:15) and the US Constitution, they just turn on the television to be lied to on a 24-7 basis. All this is in the face of the 94% of Americans that say they do not believe the media, but keep falling to the same deceivers over and over again. Then they wonder why they are reaping the curse (Jeremiah 17:5; Daniel 9:7).
Speaking of one of many such deceivers is Donald Trump! I have shouted from the rooftops time and time again that what this man says, and what he does, are just the opposite (John 8:44).
For example the American people are told that the economy couldn’t be better and that Trump will eliminate the national debt in 8 years, only to find that instead, his budgets would add 1.9 trillion during this time increasing the U.S. debt to 29 trillion dollars.
On April 26, 2017, We were told that Donald Trump pulled the feds out of K-12 education, as if to suggest that a campaign promise has been fulfilled.
However, the fact is that on September 10, 2018, Donald Trump and his U.S. Education Secretary pick Betsy DeVos signed on to a radical global “declaration” that calls for, among other absurdities, brainwashing children to believe in the United Nations-backed ideology of total government known as “ ‘sustainable development.” In fact, the pseudo-treaty inked by Trump’s education chief suggests that the purpose of schooling is to indoctrinate children with the right “values” and teach them to be obedient worker drones.
Donald Trump sells himself on the campaign trail as the pro-lifer to the American people only to find out that, once again, just the exact opposite is true.
(CNSNews.com) reported February 9, 2018 – Despite promising to defund Planned Parenthood, President Donald Trump signed a budget Friday, which was passed by the Republican-led Congress, that fully funds the nation’s largest abortion provider.
In a letter to pro-lifers during the election, Trump and Vice President Mike Pence said “I am committed to … Defunding Planned Parenthood as long as they continue to perform abortions, and reallocating their funding to community health centers that provide comprehensive health care for women.
While the budget provides more funding for community health centers, it also fully funds Planned Parenthood.
In fact, Trump has signed multiple continuing resolutions (CRs) that fully funded Planned Parenthood despite his campaign promise to defund it.
The bill was passed in the wee hours of the night (Same thing with the Patriot Act after September 11th, 2001) and complaining they had just seven hours to read the 2,232-page bill, the “length of two Bibles,” according to Rep. Rod Blum (R-IA), a bill, said Senator Rand Paul, “which almost no one read.”
The president plays up to the public that he is in full support of the Second Amendment, and then blatantly attacks it by suggesting after the Parkland shooting that government should first take the guns first and then provide due process. The president goes on to show his hand by banning bump stocks, as well as nominating gun confiscating advocate William Barr for Attorney General of the United States. In Trump’s first 500 days of incumbency, 55 illegal and unconstitutional legislative acts have stripped Americans of the right to bear arms under 26 governors in which most were Republicans.
I have also highlighted in the past the treasonous acts of this administration concerning that of removing NAFTA and replacing it with something far worse. I wrote that the American people have been diverted in keeping their eyes on the southern border concerning illegal immigrants coming into America, but they fail to hold accountable America’s said representatives who are illegally alluring them into your country in the first place. Point man Donald Trump and rivals Nancy Pelosi and Chuck Schumer have you heated up over a wall that was promised, which has yet to be built.
On November 30, 2018, President Trump, along with the Prime Minister of Canada and the President of Mexico, signed the United States-Mexico-Canada (USMCA) “Trade Agreement”. “Trade” is in quotes, because the document isn’t about “trade” – it’s about setting up global government. “Agreement” is in quotes because the document is a “treaty” – and that invokes the two-thirds ratification requirement of Art. II, §2, cl. 2, US Constitution.
Kristin Stockheimer wrote at The New American:
Not only is it still alive, it is larger and much worse than NAFTA! The text of the USMCA, according to former U.S. Ambassador to Canada Bruce Heyman, has portions and chapters of the agreement that are identical to those in the Trans Pacific Partnership (TPP). Robert Lighthizer even admitted it is “built on” many TPP aspects. These facets, according to The New American writer Christian Gomez, have the potential to strip the U.S. of its sovereignty:
Much like the TPP Commission, the Free Trade Commission can make changes to the USMCA without the consent of Congress. In fact, the agreement completely undermines Congress’ Constitutional Article I, Section 8 power to regulate trade with foreign nations.
William Gheen reported Top 10 List of Trump's Broken Campaign Promises.
And for pulling the mask off this current administration, as well as the past administrations, the ignorant shoot the messenger by accusing, “You must be for the Democrats" (Hosea 4:6)! I respond with, "Unprincipled fools." What is happening today is not under a Democrat, is it? And Barack Hussein Obama, the foreign sodomite, is not the president any longer, is he?
Let me play the fool's game that so many today are caught up into and set the record straight, today’s Republicans are yesterday’s Democrats.
There is no such thing as a Democratic Party no more than there is a Republican Party (There are 101 party un-Constitutional affiliations). The party system runs antithetical to the US Constitution. In other words, a political language which is foreign to our Constitution.
I will stand with representative government when they do the right, and I will stand against them when they do the wrong, period! It is being a principled people. Principles, not favorites. I am for the law (Article 4 section 4 US Constitution).
How many times did Jesus warn not to be deceived about many coming in His name (Matthew 24:5; Mark 13:6; Luke 21:8)? How many times did Jesus teach that we are to judge men by their fruit (Matthew 7:15-20)?
And for all of this, the American people are still trying to figure out what is happening to them and their country.
Americans, this is what is promised to a nation that refuses to keep the commandments of the Most High God (Leviticus 26:15-46; Deuteronomy 28:63). Simply put in a way that no man can refute.
The Trump Administration has vowed to put an end to “surprise medical bills.” But this may be easier said than done.
Reports of “sticker shock” have exponentially grown over the years and consumers want transparency of what their health care visit is going to cost. However, the average physician, nurse practitioner, physician assistant, hospital, medical center, etc. don’t know themselves until the insurance company sends an EOB “Explanation of Benefits” delineating what is discounted, what is covered, and what is the patient responsibility.
So to start, President Trump is asking Congress to address those charges incurred by “out of network” facilities to which patients go to in an emergency setting. Wanting to hold “insurance companies and hospitals accountable,” President Trump wants to put an end to patients getting charged for “services they did not know anything about, and sometimes services they did not have any information on.”
Can he do it? Politicians on both sides of the aisle want to help curb health care costs, but both sides want to get the credit. There’s race to see who could do more for healthcare before the 2020 election.
There’s a few reasons why cost transparency in an emergency medical setting is challenging.
Firstly, insurance companies aren’t transparent to hospitals. They only inform the medical facility of the out of pocket costs once they take weeks to review the claim. This can be streamlined and cut down in time with software, but same day pricing by an insurance company is impeded by the need to see if the patient paid (or will pay) their premiums that month, or if they are still employed and have the same active insurance.
Secondly, patients don’t always know what their diagnosis is when they walk up to the front counter. Some may think they have a “cold,” but actually end up having a bout of pneumonia. Some may think they have a “stomach bug,” but after CT confirmation, learn they have appendicitis. Hence until the medical provider performs the evaluation and testing, a diagnosis and then “cost to treat”, cannot be given.
Finally, patients may not prefer the “cost factor” added into their facilities’ decision making. If they pay a certain amount for a visit and end up needing more pain control, a repeat breathing treatment, or some extra bandages, they may not want to have to take out their wallet, sort of speak, each time they need more services.
As a physician who, for years, pleaded with insurance companies to give us an idea of what they would want a patient to pay, I’m for any campaign to increase price transparency and offer patient’s more choice. However, since medicine and health can be unpredictable, coming up with predictable “costs” may prove difficult.
Watching President Trump host a national day of prayer at the White House—immediately after Nancy Pelosi spewed impeachment talk at her press conference—reminds me of a favorite story about my late friend, Oral Roberts.
President Roberts was, of course, the biggest fan of the Oral Roberts University basketball team, for which my then Tulsa radio station, KTRT, created a network to distribute the broadcasts which we originated. But ORU was an independent at the time and had to hire referees from the Big Ten, Missouri Valley and other conferences. Sometimes, they didn’t get the best refs.
One of the features at an ORU home game was an invocation, usually given by a student in the divinity school. As students are wont to do, the invocations began getting longer and longer until they began to irritate President Roberts. The kids were spending time blessing everything in the building…the hardwood, the rims, the band etc.
One night, prior to a fairly big game, President Roberts caught me in the hallway of the Mabee Center and asked if we cut away during the invocation and the National Anthem. The answer was an emphatic no, we did not because I always found that carrying a message to God and to our nation is also good business and was unashamed then and now. (That is our policy even today.)
He smiled and said, “good, tonight will be interesting.”
At the appointed time, public address announcer Doc Blevins waited for the lights to go down and said something like, ladies and gentlemen, giving tonight’s invocation is the founder, President and Chancellor of Oral Roberts University…Oral Roberts!
The spotlight went on, President Roberts strode to the center of the court, put a microphone to his mouth and said, “Heavenly Father, please bless the referees’ eyesight. Amen” And walked off the court.
Then, he came over to our table, sat down next to me, smiled and asked, “How did I do?”
He later told me that he never prayed for a win. That God doesn’t determine wins and losses. He just gives you the talent to win. Winning is up to you.
But things which stood in the way of winning—poor officiating, as an example—were fair game.
To a great extent, that’s where President Trump finds himself today.
He is a very talented individual who won the Presidency against all odds. God gave him that talent. Think of the Democrat controlled House as a mediocre referee who has a decided vendetta against a very non-establishment, independent public official.
The House is trying to use every opportunity to make a call against the President.
As usual, when officiating gets in the way of the game, there are no immediate winners and almost everybody involved loses.
Frankly, the House Democrats are just like the refs who screwed the Vegas Golden Knights in the last game of round one of the Stanley Cup Playoffs. And the results are most likely the same in the long term because it is the fans (the voters in this analogy) that get to make the ultimate decision. In sports, the decision shows up in attendance and TV ratings over the long term. Think Colin Kaepernick and the NFL.
Do you really think that the Democrats, running on investigating the President, will be successful?
So far, they are not only out of control on investigations but on the positions being staked out by the 20-some candidates who think they have what it takes to become President.
You can’t beat a horse without an equally talented horse—unless some state employee gets involved (think last week’s Kentucky Derby) and we’ve already been through that in the past two years.
I guess it all gets down to Oral Roberts’ position that you never pray for a win.
That’s what the Democrats are doing because the only reason any of them can give to get elected is that they are not Donald Trump. Americans are not that stupid.