“Whatever you think, whatever you believe,
whatever your opinion, whatever you disagree, it pays to consider to be prepared.”
– Thomas Fletcher Grooms
A STUDY IN CONTRADICTIONS
Retirement for Seniors in the United States Problem Caused by Presidents Taking Money for Pet Projects from the Social Security Fund
1935 President Franklin Roosevelt (FDR) and Congress Promised that Social Security would Never Be Taxed. 2017 Seniors pay out of 12 monthly retirement income checks, 1 1/2 (one and half) months of their old age retirement income for Medicare premiums and Income Tax. This is wrong. Cut costs by eliminating anything coming out of Social Security income. Why have government costs of taking from one government pocket and putting it into another government pocket? It makes no sense, good or common.
$200 million in 1983 Social Security TRUST Fund SURPLUS
$2.6 trillion was programmed to strengthen Social Security TRUST Fund SURPLUS from 1983-2000
Social Security Amendments of 1983 by Congress and Ronald Reagan legislated the Social Security TRUST Fund to use the money to pay for Wars, Tax Cuts for Elections, and Other Government Programs
$1.37 trillion in 1989-1993 taken from Social Security TRUST Fund by Congress and Bush for Middle East War
$600 billion in 1993-2001 taken from Social Security TRUST Fund by Congress and Clinton to Pay Down National Debt and make a false claim of a Surplus of the Federal Government
$2.8 trillion in 2009-2014 taken from Social Security TRUST Fund by Congress and Obama
$150 billion in 2016 taken from Social Security TRUST Fund by Congress and Obama for Welfare Payments (All Democrats and 80 Republicans voted yes)
In 2016, earned income up to $118,500 was subject to the payroll Social Security tax, with earned income above this amount not taxable. This means that roughly 9 in 10 Americans are paying this 12.4% tax on every dollar they earn, whereas the politicians and those making more are paying tax on a much-smaller percentage of their earned income.
In 1935, Congress passed and Franklin D. Roosevelt signed into law the Social Security Act. This law created “a system of Federal old-age benefits” for workers and their families. In 1956, the law was amended to also provide disability benefits.
The Supplemental Security Income (SSI) program provides benefits for aged, blind, and disabled people without regard to prior workforce participation.
The Social Security Act in 1935 created a Non-Taxable income for Senior Americans that worked and contributed into their retirement program. This is the only retirement income for 95% of Seniors. The solvency of the Social Security Trust Fund was secure until 1963.
Social Security was designed to be the only government retirement program for Americans. Not government State retirement program. Not government County retirement program. Not government City retirement program. Not government Federal exception for Congress retirement program. Not government Federal exception for Senate retirement program. Not government Federal exception for Supreme Court retirement program. Not government Federal exception for President retirement program.
70% of the population have no savings, 90% of seniors have no savings for retirement, and 5% have inadequate savings to retire. Work is the new retirement since 1963. Work is the retirement for 95% of the population. Especially white males that have been displaced over the last 7 years. The national disgrace lies in Washington and particularly the White House with ‘1984’ rhetoric.
“When you do not make enough money to live, you do not make enough money to save, you have no retirement, you cannot put anything back if you are always underpaid.” – Thomas Fletcher Grooms
Recommendations for Social Security … Security
1) Move Retirement Age to 70 – 75
2) Have Only One Age for Social Security for All Americans
3) Abolish Retroactively All Federal – Military – State – County – City Government Pension Retirement Programs and Make Law that Social Security is the Only Legal Government Retirement Program for All American Citizens
4) Medicare is the Only Legal Government Medical Insurance Program for All American Citizens
5) Abolish Earned Income Ceiling of $118,500 that Is Not Taxed for Social Security Contributions Making All Income Taxed for Social Security
6) Social Security Payments of $60,000 per year for All Americans
7) NO Tax on Federal Social Security as Promised when it was originally set-up and this cuts massive non-productive costs of taking money back from retirees and the disabled and having to account for it in excessive record keeping (Only Legal Government Retirement Program for All American Citizens – no city, county, state programs)
8) NO Premiums on Federal Medicare (giving the same benefit as Washington receives (Only Legal Government Medical Insurance Program for All American Citizens – no city, county, state programs)
The poverty rate set by Washington in 2014 of $35,000 per year means $20 per hour for a livable wage. Social Security pays at age 70 $36,000 per year. Yet, Social Security should be paying at least $60,000 per year to each Senior. This rate would be made available also for all Americans including those that served in Congress, Senate, President, Supreme Court, State, County, and City government or governments.
Thirty-six percent (36%) of American workers age 55 to 64 say they have less than $25,000 in retirement savings. Ninety-five percent (95%) of households are at risk of not having enough savings to maintain their standard of living after retirement. Sixty-six percent (66%) of Americans say their top financial concern is not having enough money for retirement. Seventy-five percent (75%) of Americans are living paycheck to paycheck with essentially no savings. With sixty-two percent unemployment (62.4%) thirty-seven percent (37.4%) of the Labor force employment rate is falling further behind every year. Forty-nine percent (49%) the American population are receiving benefits of a monthly check from at least one government program each month. Fifty percent (50%) of all children born in America today will be on food stamps at some point in their lifetime. Fifty-two percent (52%) of Working Americans receive a paycheck making less than $30,000 per year income while the official poverty rate $35,000 per year income is minimum for subsistence. (BLS – Bureau of Labor Statistics, CBO – Congressional Budget Office, Census Bureau, Employee Benefit Research Institute, Gallup Poll, Bankrate)
What it means – Governments are extraordinary incomes for men and women who have ever held a public office.
US Pension Funds Solvency Problem
The best solution to solve bankrupt government pension funds and municipalities non-recoverable unfunded liabilities pension retirement plans and tax burdens on young adults and seniors and all Americans … is moving from government controlled bedding of politicians and multiple government handouts resulting in double-dipping and triple-dipping on the backs of American workers … to encouraging private enterprise individual savings.
All Federal – Military – State – County – City Government Pension Funds requires a yearly, consistent minimum, annual return of 7.69%, repeatedly, year after year. They have never done that. They do not do that with an average annual return of -3.76% – 5.00%. That is not happening. The historical annual average return of the stock market since record keeping began is 5%.
$8+ trillion Deficits of All Government Pension Funds making All Government Pension Funds a Ponzi Scheme Except for Social Security
$3.5+ trillion Deficits of Federal Government Pension Fund
$500+ billion Deficits of Private Pension Funds
Deflation is the final outcome. Bankruptcy is the final solution.
Working capital and money for financial institutions should come from private citizens (savings) rather than the Federal Reserve (debt).
Age for holding the Office of the President of the United States should be changed to 60-62 years of age. Experience and maturity.
Teachers and Adjunct Professors Salary Problem
“It is the Teachers that determine the decline of an Empire, not the military.” – Thomas Fletcher Grooms
70% of American workers are underpaid, including teachers that have to live pay-check-to-pay-check in deplorable teaching conditions caused by over crowded classrooms which cannot be controlled for learning, undisciplined children with no respect for teachers, and parents with no respect for themselves or teachers. Result there is no teaching. Only tests that are worthless. So no learning takes place or test preparations take the place of learning.
Teachers are the countries disciplinarians. The country first-line of defense. It all starts with the parents who have no respect for teachers or learning. The disrespect is encouraged at home and taken into the classroom. Their children to act out in the classroom. They can say whatever they want, spit on teachers, curse teachers, disrupt the entire class, and nothing is done. The bedrock of future criminals.
As a teacher for 50 years, the purpose of an education is for those who want to learn and better their station in life. It is not to produce a work force or train students to be employees.
The purpose of education is to produce good citizens. The purpose of educating is teaching those who want to learn. Education is best served teaching to the level of the best and brightest.
Education is the Responsibility of the Teacher.
Education is not the Responsibility of an Administrator. Education is not the responsibility of a board of education. For each is not a responsible party.
A healthy, safe, and positive learning environment in the classroom is no place for any disruption, a place for anyone who does not want to learn, a place for medical conditions that require extra supervision and take away from learning, no place for babysitting so parents do not have to pay someone else to try and control their children’s misbehavior and social problems from home, no place for parents who are a threat to teachers because they failed to change, undisciplined, disrespectful, disruptive children should be removed from the classroom for cause and sent home to let the parents deal with the situation they created.
U.S. Adjunct Professors to Unionize … The Service Employees International Union (SEIU) is driving union votes at campuses across the nation and converting the roughly 750,000 Adjunct Professors union members. And rightly so.
Schools that hire Substitute Teachers and colleges and universities that hire Adjunct Professors are taking advantage with low pay. The practice is unethical. It cost $250,000 to $500,000 for a Ph.D. degree. The colleges and universities demand it for employment to make them look good for an accreditation agency evaluation and ranking.
What it means – Adjunct Professors and part-time teachers will eventually stop teaching part-time for low salaries and disillusions of being hired full-time.
“Underemployment is unemployment; part-time work is not a living; part-time pay is token pay.” – Thomas Fletcher Grooms
Over the years, teaching has become a dead-end job working for Ingrates, of which there many, too many. Teachers are taken for granite. Teaching is the lowest paid profession in the U.S. and Administrators are among the highest paid jobs in the U.S. When it should be just the opposite.
If you thought college was expensive before, just wait until this trend takes hold – and it should. Currently adjuncts are paid an average of $10,000 per year in community colleges and $18,000 per year in colleges and universities. Adjunct Professors are paid $2,000 per undergraduate course to $5,000 per graduate course for an average of $2,700 per class and teach between four and five classes per semester at several schools. At 10 classes a year on average, they earn a mere $27,000. This seems a bit light when compared to the full-time Professor pay of $116,000 at public universities and $148,000 at private universities. While Administrators receive $150,000 – $500,000 salaries with full benefits and an expense account.
The low pay comes with no benefits or job security, so it is easy to see how these Adjunct Professors are being taken advantage. The SEIU wants $15,000 per class. That is not right when you weigh the economics. Fair pay in the current condition should be closer to $15,000 per undergraduate course to $40,000 per graduate course.
University officials are crying foul or poor mouth, pointing out that higher costs will trickle down to tuition, making college even less affordable. What do they think their $150,000 to $1,000,000 yearly Administrators salaries with full benefits cost the students in tuition? Besides, what has a student ever learned from an Administrator?
Teachers and Professors jobs are to teach, not research. That is what research institutions are for, as these are two different professions and purposes. It is not their job to make mandatory reports and create mandatory paperwork other than grading and evaluations of students work; it is to teach. That is what teaching is all about, the learning experience of the students. Thank God for dedicated Teachers.
It is not about attending mandatory meetings in their off time; their time should be dedicated to the classroom and nowhere else. Show me the country with the best education and I will show the country that will be leading the world. Teaching should be a profession, again.
Federal government of politicization of the classroom for social programming of dumbing-down should be removed from the classroom by removal of the U.S. Department of Education, which has caused half the problems in the classroom with credit for the other half awarded to Administrators. Accreditation agencies are political, expensive and serve no value to learning. They are an unnecessary expense, waste of time, and burden as well as a distraction to learning. Job creation is a good thing, but when it interferes with purpose; it should be removed, completely.
An Administrators job is to first be a checks-n-balances on finances, second marketing of the college, and third recruitment of students; that is not the job of teachers. A Teacher’s job is to teach without interference or undue mandatory tasks of student recruitment, and mandatory community service. Teaching is of itself a full-time profession.
Political Appointment … Often Administrators are political appointments to Presidents of colleges and select teaching posts as are government retirees. They know nothing about teaching and what the students typically learn is indoctrination; indoctrination of a political philosophy and bias. They are not Teachers or Professors any more than a Teacher or Professor expecting a post upon retirement as the President of a Fortune 500 Company. No wonder the learning continues in a downward spiral like an Ouroboros.
The SEIU claims there are other costs that can be cut without making students bear the burden. Wonder if the SEIU noticed that universities long ago found a cost they could cut – professor pay, by hiring Adjunct Professors. Let Teachers and Adjunct Professors make a decent living.
The Lesson is that Teachers and Professors should be the highest paid men and women in education, not the lowest. Schools and colleges have created an unethical system of part-time Teachers and Adjunct Professors for years to supplement their $150,000 – $500,000 – $1,000,000 salaries. (Dent Research, IRI Research)
Substitute Teachers and Adjunct Professors cannot afford to teach without being paid a decent standard of living and full salary suitable for the profession. They have made the investment in years of formal education and investment costs. By supporting part-time teaching they penalize all Substitute Teachers and Adjunct Professors and disgrace the profession.
The highest paid people in any organization should go to those who make the greatest contribution. Teachers. Teachers will produce educated students, if not flooded with useless paperwork and meetings to give administrators something to do. A waste of money and resources. The highest paid people in education contribute the least.
The purpose of a school is to educate students. Not serve as tax-free baby-sitting services for parents. To learn. To growth and mature in a healthy and safe environment. Not a place for problem students and those who do not to behave. Behave or leave, voluntary or involuntary.
Teach to and the best and brightest because a country’s future depends on it. The pay scale and in-charge authority being, at present, upside-down has failed the students and the country.
By removing all boards of education and all boards of colleges, ignorance of the problems is removed. Politicians could be put second on the list. If you want to know about best educating students, ask a teacher, not an administrator and politician.
The history of the one-room school house produced a more educated graduate than today’s computers and millions spent. Students read and have to study instead of being entertained.
What it really means – Teachers are the first defense of a country, in war time and peace time, as well as the future of a country.
Apologies Due from The Classroom
Since 1985 with the creation of the federal Department of Education, teachers and college professors have no option in assigning grades at the evaluated measurement level of student performance. Being ‘no child left behind’ and ‘every student is to be passed as successful’ has created a mindset that has culminated in today’s headlines from students and young adults. Everyone is to get a trophy. Everyone is to get their way and whatever they want.
Political correctness, an indoctrination philosophy created as a socialist and communist mind conditioning by Karl Marx, has become national policy by default without challenge or question. So, we have generations with the expectations of getting whatever they want. And if not, throwing a temper tantrum or using violence or in extreme cases committing murder to force their will on others. Even though they are parents, teachers or the general public.
The headlines are a reflection of this society that we have allowed to develop. However, there is much that can be done.
Elementary and High School
1) Allow teachers to teach social etiquette instead of political correctness
2) Allow teachers to teach students to learn and those students who want to learn instead teaching of students to pass a test that non-teachers created and administrators use as measurements for a teacher to keep their job
3) Remove all problems from the classroom and if necessary from the schools – regardless of age or class standing
4) Hold the students responsible and not the parents
5) Hold students accountable for their behavior and if behavior is a problem then mandated by law the parent is to attend in the classroom with the student until the behavior becomes acceptable
6) Assign grades at the evaluated measurement level of student performance
7) Hold students accountable for their grades
8) Allow teachers to teach subject matter of the course in lieu of teaching test preparation
9) Change the school calendar year to start in the second week of September and to end in the second week of May – students to have time to work or participate in the good things that society has to offer
10) Change the order of pay with #1 teachers, #2 principals, #3 administrators, and stop mandatory meetings by administrators
College and University
1) Require all students to take a required course of social etiquette for graduation and to be held accountable for civil graces in and out of the classroom
2) Allow professors to assign grades at the evaluated measurement level of student performance without jeopardy and threat of job termination or be used by administrators as measurements for a professor to keep their job, performance review, or salary prejudiced
3) Remove all problems from the classroom and if necessary from the schools – regardless of circumstance or standing – it should be a privilege to attend a college or university and not a right or pay for grade
4) Hold the students responsible and not the professors
5) Hold students accountable for their behavior
6) Mandatory military service with a choice serving in the regular armed combat services or one to two years in the reserve services corps for all men and women of age and for those after college and university. Young adults need to make some contribution to the security and safety of their country. It may not be a perfect country, but it is your only country and to disrespect and defame its flag is tantamount to betrayal.
7) Hold students accountable for their grades
8) Administrators be held accountable for backing the professors instead of the students
9) Administrators not be able to change policy with independent action that disrupts freedom in the classroom or teaching
10) Change the order of pay with #1 professors, #2 deans and chairs, #3 administrators, and stop mandatory meetings by administrators
We can do better – better in graduating a more learned student – better in graduating a more respectful member of society – better in graduating a better citizen to participate in society
“The purpose of a school is for learning and the student to learn.” – Thomas Fletcher Grooms
Climate Change and Global Warming
Ocean contains 96% of the carbon dioxide. Government cannot control the ocean. However, poor language creates stress and causes misleading problems.
What government has been saying about climate change and global warming is inflammatory. Of course the climate changes, daily, hourly, always has and always will. What government is attempting to say is we have too much auto pollution and factory smog. These two elements can be corrected by two elements, actions of people and production.
It is the responsibility of every person, every where to contribute by doing simple small things. Ex. depositing trash in containers, recycling all materials, investing in production filters, auto maintenance. We are not perfect, and government even less so, but we can all do better and we will by our own actions. Education and actions.
Politicians – Government – Environmentalists – Media Threat Greater Than Climate Change or Global Warming – An Atmospheric Physicist Speaks
Climate change is an urgent topic of discussion among politicians, journalists and celebrities … but what do scientists say about climate change or global warming … ? Does the data validate those who say humans are causing the earth to catastrophically warm … ? Richard Lindzen, an MIT (Massachusetts Institute of Technology) atmospheric physicist and one of the world’s leading climatologists, summarizes the science behind climate change.
I am an atmospheric physicist. I have published more than 200 scientific papers. For 30 years, I taught at MIT, during which time the climate has changed remarkably little. But the cry of “global warming” has grown ever more shrill. In fact, it seems that the less the climate changes, the louder the voices of the climate alarmists get.
So, let us clear the air and create a more accurate picture of where we really stand on the issue of global warming or, as it is now called —“climate change”.
There are basically three groups of people dealing with this issue. Groups one and two are scientists. Group three consists mostly, at its core, of politicians, environmentalists, and the media.
Group one is associated with the scientific part of the United Nation’s International Panel on Climate Change or IPCC (Working Group 1). These are scientists who mostly believe that recent climate change is primarily due to man’s burning of fossil fuels — oil, coal and natural gas. This releases C02, carbon dioxide, into the atmosphere and, they believe, this might eventually dangerously heat the planet.
Group two is made up of scientists who do not see this as an especially serious problem. This is the group I belong to. We are usually referred to as skeptics.
We note that there are many reasons why the climate changes — the sun, clouds, oceans, the orbital variations of the earth, as well as a myriad of other inputs. None of these is fully understood, and there is no evidence that CO2 emissions are the dominant factor.
But actually there is much agreement between both groups of scientists. The following are such points of agreement:
1) The climate is always changing.
2) CO2 is a greenhouse gas without which life on earth is not possible, but adding it to the atmosphere should lead to some warming.
3) Atmospheric levels of CO2 have been increasing since the end of the Little Ice Age in the 19th century.
4) Over this period (the past two centuries), the global mean temperature has increased slightly and erratically by about 1.8 degrees Fahrenheit or one degree Celsius; but only since the 1960’s have man’s greenhouse emissions been sufficient to play a role.
5) Given the complexity of climate, no confident prediction about future global mean temperature or its impact can be made. The IPCC acknowledged in its own 2007 report that “The long-term prediction of future climate states is not possible.”
Most importantly, the scenario that the burning of fossil fuel leads to catastrophe is not part of what either group asserts. So why are so many people worried, indeed, panic stricken about this issue. Here is where Group Three comes in — the politicians, environmentalists, and media.
Global warming alarmism provides them, more than any other issue, with the things they most want …
For politicians it is money and power.
For environmentalists, it is money for their organizations and confirmation of their near religious devotion to the idea that man is a destructive force acting upon nature.
For the media it is ideology, money, and headlines. Doomsday scenarios sell.
Meanwhile, over the last decade, scientists outside of climate physics have jumped on the bandwagon, publishing papers blaming global warming for everything from acne to the Syrian civil war. And crony capitalists have eagerly grabbed for the subsidies that governments have so lavishly provided.
Unfortunately, group three is winning the argument because they have drowned out the serious debate that should be going on. But while politicians, environmentalists, and media types can waste a lot of money and scare a lot of people, they will not be able to bury the truth. The climate will have the final word on that. (Richard Lindzen, Emeritus Professor of Atmospheric Sciences at MIT, for Prager University)
What it means – The new world order governed out of Europe will rule by deceit.
Climate Change or Global Warming Agenda Is to Destroy Capitalism and Reduce World Population
UN Official Christiana Figueres admitted in Brussels Belgium that the Global Warming Agenda is really about destroying Capitalism. Figueres stated that the Global Warming agenda set by the UN’s Framework Convention on Climate Change, of which she is the executive secretary, has a goal not of environmentalists, is not to save the world from ecological calamity, but to destroy capitalism.
She said very casually that “This is the first time in the history of mankind that we are setting ourselves the task of intentionally, within a defined period of time, to change the economic development model that has been reigning for at least 150 years, since the Industrial Revolution. This is probably the most difficult task we have ever given ourselves, which is to intentionally transform the economic development model for the first time in human history.”
I was invited to a major political dinner in Washington with the former Chairman of Temple University since I advised the University with respect to its portfolio. We were seated at one of those round tables with ten people. Because we were invited from a university, they placed us with the heads of the various environmental groups. They assumed they were in friendly company and began speaking freely. Dick Fox, my friend, began to lead them on to get the truth behind their movement. Lo and behold, they too admitted it was not about the environment, but to reduce population growth. Dick then asked them, “Whose grandchild are we trying to prevent from being born? Yours or mine?”
All of these movements seem to have a hidden agenda that the press helps to misrepresent all the time. One must wonder, at what point will the press realize they are destroying their own future?
Figueres admitted that the only economic model in the last 150 years that has ever worked at all is capitalism. The evidence is prima facie … from a feudal order that lasted a thousand years, produced zero growth and kept workdays long and lifespans short, the countries that have embraced free-market capitalism have enjoyed a system in which output has increased 70-fold, work days have been halved, and lifespans doubled. (Martin Armstrong Economics)
What it means – The whole world is to be Socialist, governed by Europe.
1984 World in 2016
Career is now code for Work. Opportunity is now code for Problem. I Have Concerns is now code for attacking someone or something you do not like. Political Correctness is now code for Censorship. Hate Speech is now code for Disagreeing with Government Status Quo. Income Redistribution is now code for Guaranteed Income. Role Model is now code for Ineptitude. Media is now code for Disinformation. Lie is now code for Truth. Leadership is now code for Do-Not-Ask. Right is now code for Wrong. Equality is now code for Prejudice. Congress is now code for Pre-Tense of Knowledge. Senate is now code for Pass-It-Before You Can Read It. Supreme Court is now code for Political Rulings. The President is now code for Who Cares. Public Companies are now code for Good-bye Retirement.
Financial Crisis Is Now Contained is now code for All ‘Hell’ Is About To Break Lose. Great Recession is now code for Great Depression. Recession is now code for Depression. Recession Over is now code for that was 1929-1947. Cautious Approach is now code for How Did I Get Here. Going Forward is now code for We Got It Wrong. Wall Street is now code for Negative Money. Investor is now code for Invested Less Than One Minute. Speculator is now code for Invested Till Tomorrow. Bull Market is now code for Stockholders Losses. Derivatives is now code for Casino. Taking Profits is now code for Selling Stock at a Loss. Smart Money is now code for Left Behind. Extreme Profit Taking is now code for Market Sell-off. Time to Buy is now code for You Should Have Already Sold. Stock Buybacks is now code for Declining Profits and Lost Market Share.
Upturn Faces Risks is now code for Gloom and Doom. No One Knows is now code for the Fix Is Already In. No Risk is now code for You Already Lost Just Listening. Signs of Strength is now code for No Hope. After Years of Sluggishness is now code for Still Failing. Demand for Goods Increase is now code for Profit Declines. Cautious as Economy Strengthens is now code for No Clue What to Do. Fear Not is now code for Hit the Bunkers. Effort to Raise Inflation is now code for Ship is Sitting on the Bottom of the Ocean. Rate Increase is now code for Done Six Months Ago.
Recovery is More Advanced is now code for Depression in Concrete. Insipid Global Recovery is now code for World Depression and Deflation Continues. Economic Expansion is now code for Collapse. Low Growth Rate is now code for there is no growth and never have been. Growth Forecasts is now code for Hoping for a Miracle. Slight Growth is now code for Decline. Growth Is Weak is now code for Continuing Contracting Economy. Growth Taking Place, But Slowly is now code for There Is No Growth, But Fast Sinking Economy. Growth Has Persisted, But Its Pace Has Been Slow is now code for Growth Is Invisible, But Its Pace Flew Right By You And You Did Not Even See It. Compatible with Growth and Jobs is now code for Bankruptcies and Unemployment.
Global Outlook is now code for Blind. Prolonged Global Stagnation and Instability is now code for Government Incompetence. Psychological Problem of People is now code for Heads-of-State Incompetence.
Business Too Cautious to Invest is now code for Business Is Smarter Than Government. Business Holding Back Innovation and Productivity is now code for Business Is Solvent and Government Is Not. Weaker Consumer Spending Feeds Pessimism is now code for Consumer is Broke.
Signs of Robust and Lasting Recovery is now code for Too Little, Too Late. High Quality Bonds is now code for Junk. Own Stocks Now Time to Buy is now code for Market Crash Imminent. Ultra-Cheap Long-term Loans is now code for Stupid. Higher Prices as Demand for Good Increases is now code for Temporary Deflation Pause.
Mortgage is now code for Bank Slave. Car Note is now code for Broke. Debt is now code for Income Stream. Higher Education is now code for Knowledge Deficit. Affordable Health Care is now code for You Can No Longer Afford Medical Treatment. Prosperity is now code for Huge Deficit. Depression is now code for Not Possible. Genius is now code for Idiot. Billionaire is now code for Delusional. Marginal Profit is now code for Loss. Negative Rates is now code for Collapse. Debt is now code for Stimulus. High Yield is now code for No Yield. Liquidity is now code for Credit Bubble. Acute Scarcity of Capital is now code for No One Is Borrowing Money. Economic Stimulus is now code for Destruction of Money. Monetary Policy is now code for Destruction of the Economy. Stronger Dollar is now code for Lack of Purchasing Power.
Immigration Not Followed by Assimilation is now code for Invasion. Immigration, Integration, Refugees, Migration, and Asylum Seekers is now code for Economy Strengthening, Voter Control, Domestic Unrest, Terrorism and Danger Alert.
Decline in the Number of People Available for Work is now code for Hiding Real Unemployment Numbers and Stealth Support for Immigration. Unemployment is now code for Number Drawing Unemployment Benefits. Stopped Looking for Work is now code for Actual Number of Unemployed.
Misdirection of Capital is now code for Savings. Anyone Who Wants a Job has One is now code for You Do Not Count. Unemployment is now code for Bogus Data. Layoff is now code for Documented Worker. Benefits Beneficiary is now code for Undocumented Worker. Washington is now code for World. United States is now code for Except Washington. Foreign Policy is now code for Threats. Foreign Aid is now code for Bribes. Austerity is now code for Treason. Debtor is now code for Good Citizen. Saver is now code for National Threat. Anyone Who Disagrees is now code for National Security Threat. Bathroom is now code for International Sovereignty.
What it means – Nothing has changed, but everything.