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I couldn’t be more pleased…

In 2005 I took the boys on the Southwest Chief from Fullerton, CA to Kansas City, MO.  They were 12 and 10 at the time.  What mom wouldn’t think a sleeper car, a dining car and 2 days on a train doesn’t sound like fun?

My husband flew from Orange County, CA to Kansas City and rented a van so he could pick us up at Union Station.  We were on an adventure to find the Oregon Trail, and a little area known as Marshall County, KS where his family had been from in the 1860’s…  It was an exciting adventure in genealogy and history, and it was our own!

We found cousins we had never met, and dead relatives with headstones as tall as the boys!  We loved the adventure, and found not only the Oregon Trail complete with the ruts and old campsites, but the Pony Express trail as well.

We had such a great trip, we did it again later in the year, driving from Portland, OR where I was raised, backwards on the trail through Baker City, OR and into Idaho, then across Wyoming, Nebraska and into Kansas.  I had always known I had Mormon roots through my mom’s side, but we had been raised Methodist, and our EuroAmerican grandparents were my influence and values.

I had joined the daughters of the Utah Pioneers, and found the English Great Great Grandmother that had come to America in 1855, and left economic conditions that were not good in England.  She walked the trail from Council Bluffs, IA in 1856 with the famed Willie Handcart Company and knew hardships and challenges.  I visited her headstone in Ogden, UT where she died in 1920.  It was such a stroke of luck to find someone so amazing that it gave me courage and inspiration to do more with my own life, and the fact that I had so many comforts and had never known such “cold” as my pioneer ancestors.

I shared it with my own mother, and it brought us closer and helped her deal with her own faith, and pride in who her ancestors were.  It was important to our own family and faith, that we shared this ancestor and the lines of her own DNA.  I honored her and her line.

When my own family nurtured http://www.TheTaleoftheTrail.org it brought us together to share history, trains, genealogy, American faith and courage with our own sons.  I hope that America can come together just now, and recognize that our President should hold the faith for our future, and our Country in their hearts.  They should believe that we are One Nation Under God.  The faith to lead our Nation and the World, because these days the goal is for all Mankind to know that Man should be Kind.  That was the message of Jesus.  We see him as the son of God, because man was not very kind, and we needed a teacher.  I’m good with that.

Let us not tell others what to believe, but to have faith in our own family, our DNA, and a willingness to work together towards a common goal, at the community level.  Let the Mayors work locally, the Governors work with the States, and the Federal Government help with the big stuff.  Corruption is not allowed, integrity does matter, and we’re watching now!  Pay attention to your thoughts and your actions.  It’s good to be awake!


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Ode to Wisconsin!

My DNA was in Wisconsin during the late 1880’s when my great grandparents left Europe and made their way to America. My own grandmother was born in Wassau in 1893 and grew up speaking German before English.

I think back to all the opinions my grandparents had, and even how narrow their minds appear now. My grandfather was never interested in being politically correct, and he felt confident we should all know what he thought. His lifetime had taught him many lessons, and as an old man he knew some things!

He knew that freedom meant others could not tell him what to think, what to do or how to do it. Independence meant he was in control. Stubborn? I think so.

As I watch Wisconsin from a distance, it is clear to me that those stubborn people still live there, and they aren’t interested in others telling them what to do or how to do it! Even if the smart business people who pay attention to the numbers and the books tell them the old ways just won’t work.

Unions played an important role in establishing fairness for the working man. Somewhere along the lines under funded pensions and over stated expectations created a perfect storm that blew into a big blow up!

Thomas Jefferson said that “Every difference of opinion is not a difference of principle.” I hope that people don’t just shout and be mad, but that real progress comes from understanding the problems and working together to find solutions that can work.


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Antique Easter Eggs

The natural beauty of each egg is amazing.

Grandma Shaw would help us make these lovely Easter eggs as her mother had done in the old country. It’s very easy, and you won’t believe how lovely they are.

1. Take a raw white egg
2. Take the brown skins from an onion.
3. Use a square piece of cloth large enough to hold the egg, about 8″ X 8″
Place the piece of cloth down first. Wrap the brown skins around the raw egg to cover it. Bring the corners of the cloth together and tie with a twistie tie.
Do a few more eggs.
Place the bundle of the egg in water and bring it slowly to a boil so it doesn’t crack the eggs.
Bring the eggs to a boil.
It only takes a while to have them be hard boiled.
Cool them down with cold water and unwrap them.
Save the fabric for next year!
You will LOVE these lovely organic antique Easter eggs!

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I met Greg today…a global citizen.

I went out front to feed the birds bread. He was just walking by and told me the yeast was bad for the birds. I appreciated his perspective, and saw how cute this little old Jewish man was, with his walking stick, backpack and fine cap. It was his accent that spoke to my soul. I kept him engaged while I listened.

We both love our home in Irvine, CA and how we are such a global city. Our mix of people has gone from white with a few blacks from the nearby military bases to a very broad base of people from around the world. He called us an “aquarium” and I liked that.

We spoke of the economic and political issues at home and abroad. He speaks 6 languages, and claimed Lithuania as home. He knew Poland and Israel. After 10 minutes I could see the world through his eyes, right here on my own front porch in Irvine, CA. I feel so lucky to be in this wonderful city, living out the life of “The Jones Family.”

I’d like to take my family story and help heal the world still. My grandparents were amazing, and the big family era was a gift. Growing up at Centennial High in Portland, OR gave me an incredible foundation to be a global citizen. I learned skills in high school that translated to office jobs and restaurant help. With a real estate license and an insurance license I created a self employed, self empowered woman who got to have and raise two sons with a fine husband. My folks are still married and healthy since 1950. I get to be the youngest of 5 kids my whole life, no matter how old we all get! We get to be a family forever.

Blood lines and DNA really do matter in life. The fact that your parents had sex, and you got to be born is no small miracle. These are issues we feel free to debate in the open arena these days, but in my grandmothers time they didn’t need to be discussed. She was very clear in her counsel that “First you get the husband, then you make the babies. And if you’re smart, you get the real estate before the babies.” She was born in 1893, and worked to raise herself and her family up in society. Grandpa Shaw was born in 1888 and I got to have him in my life until 1978. 90 years is enough time to learn some things, and he was a great teacher and hard worker. They led by example without using a lot of words. They knew where they stood in life, and had opinions to share. “If you don’t stand for something you’ll fall for anything.”

Having a family blood line continue is human nature to survive. For a lot of us, the advent of birth control has meant the end of a line. Not all family lines continue, but there is so much to learn about yourself and our DNA using the technology we have today.

Part of that is about being true to yourself. Your life is God’s gift to you, and what you make of it is your gift to God. Being a good mother comes naturally, and the miracle of child birth, and nursing a baby is a life changing experience on the most basic level. Being a family, together, with the right to persue life, liberty and happiness is the American Dream. It’s not something you do alone. We do it together, as “We the People.”

Capitalism to me works because of faith and synergy in the Universe. We use the magic that the world provides to see that the six degrees of separation really are there and we can do a lot of good in a community when we all come together. We always used the Church as a way to commune. The poor and needy were cared for through the pieces we added in society. Giving is good. Libraries and Healthcare are important. Transportation and Housing are really important. Science is wonderful and amazing, and we are smart enough to work with it. Earths resources and long term perspective are good for mankind to consider globally as a community, but also locally. Our communities have flavor and character. We share common purpose and work together for a cause we believe in. We share optimism and faith that things can be done. That we can be creative together. We share a “can do” attitude, and don’t just all be mad and shout a lot. We work to get things done and make things happen. We are productive.

Socialism is when they tell you where to go and what to do, and creative energy is not inspired. It doesn’t use the gifts the universe presents when you take away the interaction of devine intervention. The blessings of the universe don’t help inspire succeess.

A dictatorship is like growing up with a dad that always says “Because I said so.” Their demands and dictate rule even when common sense and creativity are unable to assist. People are happiest when their souls are nurtured. The arts brought us many things and the artesians will continue to carry the ball. Time has a way of moving forward anyway.

The reality that American Capitalism brought to the world was that giving, and kindness really do make you feel like a better person, and that there is good to be done with all that we have learned in this country. We were an experiment in government, and we need to maintain another 200 years of freedom as a United States of America. That is 50 states, each with a story and flavor, united as one economic force in the world.

We build an infrastructure around water, transportation, energy and communication and we look forward to the growth of life yet once again.

We survived Y2K, and crossed over from 1999 to 2000 just fine. It was a time when we felt safe and secure, with water on two sides, and friends in Canada and Mexico around us. We were happy Americans, with families, character and integrity. We were responsible working people, with great values willing to look forward and do good in the world. We loved to travel, eat and drink and those industries could help sustain many an economy. Lifestyle is the great gift of capitalism because you are free to make choices.

When I think about the youth that feel opportunity has escaped them, I feel badly. My own DNA goes back to Europe, and my English, German, Scottish, Italian roots qualified me to check the “White” box. Now I feel a need to check a EuroAmerican box, with all the choices we are presented today. The world has more complexity, but this really is an opportunity to be more open minded toward mankind and see how many similarities we have, and how many things we really do agree on.

Healing a community from the inside out is the best way to start. Be supportive of the 501c organizations to help offer a safty net within your community before Medicade programs support the poor. Have solutions to offer the Department of Health Services to meet the needs of the poor and elderly. Don’t let all the valuable real estate fall away, when this is the perfect time to think long term, with an eye toward 2025, and what would work well for your community and city IF you could think ahead? At least ask the questions so the Universe can help you find the answers. All this yelling and screaming is getting us no where and it is disconserting. When I know that one in twenty homes is in forclosure, then it is time to help those who fail. Once you are bouncing along on the bottom without resources, it’s hard to get back up.

We need to give them alternatives to crime and incarceration. That should not be a solution in society. Let’s live on the up and up and have character and integrity from within our society. It’s demanded and expected in a code of conduct. Writing laws may make it easier to enforce, but it’s expensive and time consuming. Being nice is a lost art, but I’d like to remind you to think about putting on a happy face and seeing what that feels like. I find it easy to be grumpy all the time with all the chaos of this world.

It is Political and it is Economical this time around, in a whole new way. My own research into currency goes back to my Grandfather and his knowledge of finance and money. I’ve paid attention to the relationship between work and effort, and money earned. We grew up with something called “sweat equity” and we helped grandpa tend to his real estate holdings. You worked. You paid attention and you got things done. You could earn money. He would say “You spend money seven days a week, you need to learn to earn it seven days a week too.” He led by example.

It was fun to hear Glen give me many ideas to help Europe just now. We talked about Sal Alinsky, and the way people are being led these days. We spoke of voting, and elections. We cannot and should not tollerate voter fraud. We are all ready for the new Patriot Card because we know big brother has rounded up all the information together anyway. I love my new Passport and the Western Travel Initiative card. It’s a great use of technology and we should all be using it.

With the Patriot Card you should also get a National Parks Pass and a States Parks and Recreation pass to help encourage your knowledge and travel. There is a lot to see right here in America and our family road trips have been our greatest treasure. Photos and memories will last a lifetime and then some! That is true wealth.

I want to have hope for the future. I want to have faith to believe. In the end, clean water and sanitation were our greatest achievements for mankind. That has given us our longevity! Medicine and vaccinations don’t get all the credit. Now, building smarter communities around intelligent energy…are Americans smart enough to answer that question regionally? I bet so. That would be good for the economy too.

We need to RE-EMPLOY. There are ways to be creative but the system doesn’t make it easy.
Coming together, working together, Irvine and Orange County have an incredible asset in our people and our communities. I’m so glad I met Greg today, so I know I’m part of this global group.

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Leadership of America

It’s so basic, we forget how simple it is.
The Governor is in charge of the State, and each state in the Union has a little different flavor and character. The Cities, towns and communities have their own leadership and we all work together to keep local economies moving and a healthy chamber of commerce.
It is all built around clean water and sanitation with a power grid to sustain life and industry.
Transportation is key, and how the people get around is open for discussion.
In 1850 the world moved at 3-5 miles an hour.
Technology has been put to good use in this category, and there is more to be done.

In 2007 life was moving along in a game of musical chairs. One day the music stopped with the mortgage crisis of 2008, and 2 out of 10 didn’t have a seat any longer. With the loan crisis, stopped the escrows, and the handymen and termite guys, and all construction slowed to a crawl as people took a deep breath in to see if they still had income. Debt defined life. You were a victim of your debt and the truth was in the mirror looking back at you. 4 out of 10 didn’t have a seat in the game.

It is not comfortable to fail. And once you’re all the way down, it is difficult to get back up. The systems in place in society should help people get back on their feet. It should help families remain together and regroup after adversity. It is the kindness of the American people that stands out in the world.

Let’s streamline the government in our own communities. Help your city use the assets it has to better serve the people. Our educational system and schools are a huge asset of the States and cities. How can they be used more effectively. How can we get private sector to help teach and use the buildings to a higher and better use standard? Sometimes it makes sense to own the real estate free and clear so you have an asset that creates the cash flow needed to sustain it’s own budget. That’s what an endowment is. A goose that lays golden eggs. How can this concept help shore up your community? We have a lot of smart people in America and we need to let them work. The creative spirit of the artist and entrepreneur is often in direct conflict with a Union job that wants to focus on a pay check and retirement mandates. If the real estate can be owned in the pension plans, then there is cash flow there old age.

Stocks should pay dividends and capital gains to those that help build the company. Those of us that spend money to own the products they sell should also own their stocks in our retirement accounts. That’s why the 401k idea was so well received. It makes sense to us to own the assets we support with our spending habits.

We have let the game look so complicated that even smart people think they can’t understand it. That is not good. Keeping it simple really is the key. Too much complexity and then no one understands it. We need to keep integrity within the system. People should be accountable for their character and values. We do have a code of behavior in society, and when it is broken we have penalties and jail.

No one wants to be fired, not even Congress. It’s hard for them to realize that Government really did get too big and that they are part of the problem. States and local agencies need to rethink their game plans, and take inventory of what they are doing right and what they need. Let’s start with the Mayor, and see how the people are doing. That is where “We the People” live.

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The talents of Thomas Jefferson

Wisdom from our forefathers…  How was it that so many of our Congressmen had a difference in opinion, but believed in the same principles?  The principle of capitalism needs to remain alive and well in America.  Our grandfathers knew that necessity was the mother of invention, and they went to work to create!  America is the land of creativity!  We nurtured the arts and the creative talents that made America the land of inventions.

We need to be creative again in a big way!   Things actually can be made in America still, and we know a lot about marketing.  Keeping your local economy working is better than having one big FEDERAL economy.  50 different states that come together to create on United States of America.  Each state has a little different flavor and color that makes the melting pot of America more flavorful and delicious.  We don’t need one big country that all looks the same. 

America was founded on the principle “We the People in order to form a more perfect Union!  Not under the premise We the Government in order to form more perfect People!”

Thomas Jefferson got it right when he said that “Every difference of opinion is not a difference of principle.”  What can we agree on?

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The Royal Wedding

I remember in 1981, when I got up very early while it was still dark.  I wanted to see Lady Diana Spencer marry Prince Charles.  It was a wonderful courtship and the wedding did not disappoint us.  I was a young bride myself at the time.  We watched them have children together, heirs to the throne.  It was a beautiful thing.  The Queen could see life, and her mother was still alive too.  It is fun to see your bloodline thrive. 

The Monarchy has a place in history and it helped early man survive and evolve.  The Monarchy still has a place in this world in the hearts of its’ people.  Diana became the Peoples Princess as an honor we bestowed upon her from our hearts.  Her death brought it out in all of us, and we truly mourned together as a world.  She was always my friend, and truly my hero too.  Her heart was as beautiful as her eyes.  Her eyes, and that shy Di look she had with her sweet smile.  No wonder Elton John loved her so, that his heart cold pour out his song at a time my heart was crying.  And her poor sons.  Those boys we loved so much.  Mummy.

As it turns out Charles stepped up and did the best he could.  The boys have thrived and done well.  With William about to marry, and Harry as his bestman, my heart sings with Diana, as her ring adorns Kate in a terrific day!  I’ll get up early again, and I celebrate all around the world with a much needed hug from our hearts. 

America was part of that group before we broke away.  George Washington was brilliant when he did NOT become a King, but a President instead.  We took all that good old English and European knowledge, and created something we called the United States of America.  It was different.  And we the people, with good hearts continue to have hope for a brighter future.  Mothers are kinder than Fathers, and our connection to Mother Earth and the globe is real.  We do know that now, “Go World!” is a true statement.  We are all part of Mankind.  I hope we can find that kindness again.  It’s so easy to just be mad, and stay mad.  Leadership with vision is the key.  At least with the Monarchy we have hind sight, and we can see many bloodlines.  Seeing the past with a new perspective can help you make better choices for the future.

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Are you ready to travel?

We just got our new US Passport in the mail, and it is beautiful.  I’ve had a passport since I was 13, and it made me feel like a global citizen.  When I traveled in Europe the blue USA Passport was like traveling on the “gold card.”  You were treated well, and they knew we were a secure nation of good people.  Europe wanted our travelers there!  Many of us had DNA roots in Europe.  Back in that day we checked “white” on the paperwork and forms.  Today I’m a EuroAmerican! 

The new Passport ID Cards are very good too.  This is the card that should be used for voting.  It’s valid ID and the technology is state of the art. 

It’s time for Americans to see America again.  Visit a National Park.  Learn history first hand at Williamsburg.  That is an experience everyone should get to do at least once in their lifetime!  It is a terrific opportunity to step back in time.

Make a family memory and take a road trip!  You’ll never regret it.  Maybe you’ll find someplace else you want to try living for a spell.  America has a lot to offer.

Visit the web site for the Western Travel Initiative.  It is well done.

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Why we didn’t need Obamacare.

In 1996 we had Kennedy-Kassebaum which was intended to fix the health care problem. It gave self employed the Medical Savings Account, a forerunner to the newer Health Savings Account. “They” were paranoid too many self employed would take advantage of this new tool, so they capped the number at 700,000 eligible participants in the country.

We never got near that much participation initially and they have tinkered with it ever since.

There are so many rules and regulations that continue to bog down “the system” and make it so honest men can’t comply.

Kennedy-Kassebaum Law Means Greater Fraud Scrutiny


On Aug. 21, President Clinton signed the Health Insurance Portability and Accountability Act of 1996 into law. HIPA is extremely significant for physicians and managed care organizations. I’m not referring to the portions of HIPA that gained the most press coverage–namely, the creation of an entitlement to (and mechanisms for) more affordable and portable health insurance. Rather, HIPA creates perhaps the most substantial and dramatic change to health care fraud-and-abuse laws since this category of legislation was created.

As we begin to explore these sweeping changes and their implications, I predict that we will draw three conclusions. First, HIPA makes the government more intrusive than ever in its commitment to seeking out health care fraud, and also makes the government more eager than ever to probe potentially unethical or illegal actions. Even when no fraud is found, the costs and burden from government and payer inquiries and investigations will be substantial for physicians, other providers and managed care organizations subjected to scrutiny. HIPA also creates an incentive for the government to seek financial settlement from many of the providers and managed care organizations that it investigates, even in circumstances where it previously would have walked away from the investigation because it was not likely to be worth the cost and effort of continued probing and/or prosecution.

Second, HIPA demonstrates that the federal government has become more responsive to the growth of creative and alternative systems and structures for delivery of health care services. Among these are alliances, management services organizations and integrated delivery systems. Some of this recognition, you will note, takes the form of new rules and means to fight fraud by these new systems and entities. Other rules reflect the converse: The government realizes that approaches that differ from “tried and true” methods do not necessarily indicate improper intent or encourage fraudulent activity.

The third conclusion reflects the first two: Every health care provider and managed care organization must put into place an appropriate health care fraud and abuse compliance program. At a minimum, every physician or physician group and managed care organization must undergo prompt and regular legal and financial analysis of its health care compliance activities, must correct deficiencies identified in that analysis and must implement a program to reduce the likelihood of these sorts of problems occurring. Period.

The question no longer is whether you can afford a health care fraud and abuse compliance program. Rather, it is whether you can afford not to have one.

Anyone may blow the whistle

Let’s start with one example. Section 203 of HIPA requires the secretary of health and human services to implement a program that will encourage people to report information about health care fraud. The program is quite broad. It encourages reports of improper activity in the past, even when it has stopped. It encourages people to report improper activity involving kickbacks, false claims, mail fraud, false billings or almost any other activity that relates to penalties under the Office of Inspector General’s areas of authority.

Longtime readers of this column know that one of my recurring themes is that our behavior is influenced by rewards, whether financial, egotistic, spiritual or other. HIPA also recognizes this observation about human behavior. It authorizes payment of a reward to anyone who reports information that leads to the collection of at least $100 under any of its law enforcement provisions except for the anti-kickback law. My understanding is that this reward program will be modeled on the Internal Revenue Service rewards for tax fraud tip-offs. IRS pays up to 10 percent of the amount recovered. When fine and penalty are added to overpayment, this can easily be very lucrative.

The new HHS program is dis- tinct from provisions of the federal false claims act that permit health care “insiders” who are aware of fraud in their organizations to undertake a lawsuit against the allegedly fraudulent providers on behalf of the government and collect part of the proceeds. The new HIPA incentive program, in contrast, permits any individual to obtain a reward. A beneficiary is eligible, a competitor is eligible and a health care adviser is eligible. (Note that the attorney-client privilege requires lawyers to maintain confidentiality about wrongdoing by their clients. But this does not apply to other health care business advisers!) Basically, if you are aware of the possibility of past or present fraud, you may receive a reward regardless of who you are.

Also, note that the law pays a reward simply for reporting information that leads to the collection of funds. The person does not have to sue the fraudulent provider. A physician would not, for example, need to risk becoming an outcast in the medical community, viewed as disloyal or greedy. Indeed, the reporter often will have no involvement beyond the initial conversation(s) with the government. And since the primary mechanism for this reporting will probably be some sort of hot line, the person may not even have to meet directly with government agents.

Are you your brother’s keeper? You betcha! And a darned lucrative job it can be, too!

Required: attention to detail

I don’t mean to be flippant. This system can go a long way to encourage people to report fraud that would otherwise never be reported. But I have had many clients suffer the burdens of government scrutiny without having engaged in fraudulent activity. This is especially true now that the government asserts that repeated billing errors may constitute a pattern of fraud. Thus, inattention to detail can easily subject a provider to a fraud investigation. HIPA will increase that danger.

Incidentally, note that Section 203 also requires physicians and other providers to give beneficiaries an “explanation of Medicare benefits” form for every item or service, even if there is no deductible or coinsurance payment required of the beneficiary. At present, EOMBs are issued only where the beneficiary will pay for part of the service.

This means that Medicare beneficiaries will know all charges claimed by health care providers. In theory, this will alert them to potential fraud. In practice, it will probably lead to a lot of complaints about $40 bedpans and $10 Ace bandages.

Are you getting a bit nervous? In another column, we will explore additional ways HIPA will affect you.

Neil B. Caesar is president of The Health Law Center (Neil B. Caesar Law Associates, PA), a national health law/consulting practice in Greenville, S.C.



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A Proud American

If you could stick together, as 87 Proud Patriotic Americans, committed to old fashion values, and not sell out for cash and power, would you?

We have that group right now in our new freshman congressmen.

We must return to the vision that Benjamin Franklin showed us when he gave away money to a university, to hold and manage for 100 years before they used it. He was brilliant, to show us compounding interest grows geometrically. But so does debt, and we all know that lesson now.

We all need to brush up on our history lessons. My son’s 8th grade school paper is a perfect start. The world actually runs at about a 10th grade level these days. Are you smarter than a 10th grader? America has invested in its EDUCATIONAL system.

JFK was brilliant to launch the space program because it fine tuned our focus and helped us apply ourselves as a group. The most incredible technology has come out of NASA and the space programs, and it has enriched our lives in SO many levels you would be amazed.

Let’s help the Gang of 87 do their job with public support for serious REFORM. Start with the mayor in the local town, and help the Chamber of Commerce create viable businesses without over regulation and complication. Let us be creative at the local level, and the state level using what we know about the welfare state se feel. The money is in the budget already, just being spent in inefficient ways.

As a planner, you see the future and work to create it. How can we come off the “oil” based forms of transportation we use? Can we use other means to create a efficient community and people mover? Can we use something as simple as a roller coaster to move people around? The UNIVERSITY system is an asset America has built. We need to grow around our educational system into vibrant local economies. We can make things here in America, and use them locally.

Retirement villages are needed for the time span of age 65 to 100. We know our people will live long, and they can be a part of society long past their prime. Let us. Build those communities around your existing infrastructure. Create and revitalize your downtown area and clean up the place.

Nurture the arts, and the artists. Creative people bring value to society and they always have. A vibrant community always includes the churches, the charities and the arts. Get back to basics.

We need the food banks and the soup kitchens but we also need the Camps to help rehabilitate people back into usefulness. When you fail financially and emotionally you may require help to get back on your feet.

The famous “Hoover Towns” of the 1930’s were evident when the money supply was too constrictive, and it didn’t flow in a free banking market. You must remove some of the regulatory challenges that were brought upon the Insurance and Banking industry, so that they work to help the people grow once again.

The solutions that the Gang of 87 can present to Congress should be the will of “We the People.”

If we hold Congress out to the FIDUCIARY standards they would see that they are working with Our Money, not their money.

We the People, in order to form a more perfect Union.
Not, We the Government are going to form more perfect people.

Let’s help the Gang of 87 stand firm, even if they don’t get reelected.

Let the old ways go buy up cheap real estate somewhere and retire.

If you don't stand for something you will fall for anything.

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