florida ramblings

Tuesday, December 22, 2009

Health Care For Less?

So, the Harry Reid health insurance bill going through the Senate will increase taxes by $518 billion initially. I refer to it as the “Harry Reid” bill because it has no resemblance to the bills that came out of the Senate committees and was concocted under the cover of darkness over this past weekend.

Anyway, it will increase taxes by a reported $518 billion for the purpose of insuring the “30 million uninsured.” That comes to $17,266 per individual to insure all of these allegedly uninsured. Or, with the average family consisting of 3.14 persons according to the US Census Bureau, $54,217 per family.

So, I wondered, how does that compare to the average health insurance premium in the United States. Just how much do these “unaffordable” health insurance premiums the Democrats have so vilified as “too expensive” for the average family actually cost?

According to an article on About.com:

In a report (Individual Health Insurance 2009: A Comprehensive Survey of Premiums,Availability, and Benefits) made public in October 2009, America's Health Insurance Plans (a trade group representing health insurance companies) presented some interesting information that gives a sense of what health insurance policies cost when purchased by an individual.

  • Across the country, the annual premium was $2,985 for a single person and $6,328 for a family.

  • The annual premium was very different from state to state. For example, the premium for a family health plan in New York was $13,296, while a similar plan in Iowa was $5609.

  • The annual premiums for health plans were also very different depending if the annual deductible was high or low. For example, family plans with no deductible had an average premium of $12686 each year, while plans with an annual deductible of $10,000 had an average premium of $5380 each year.

  • So while the premiums obviously vary widely according to the options a family selects, the average family health insurance premium costs $6,328 per year. Those “outrageous” private health insurance premiums actually cost $47,889 per year less than the “affordable” health insurance plan that Harry Reid has concocted when prorated over his target audience of an allegedly 30 million uninsured.

    It seems that the Democrat plan to “lower the cost” of health care is actually going to cost eight and one half times more than what those nasty private insurance companies charge. Perhaps the citizens need to be investigating the excesses and illegal practices of Congress. It appears that the health insurance industry is actually doing a good job holding down the cost of health insurance.

    If Reid had thought to simply buy insurance from the private companies for the alleged “uninsured” it would have only cost the taxpayers $60.46 billion. So it makes you wonder, what is this really all about? Is it about insuring the “uninsured” or is it about giving more power to Washington and socializing our national economy? The data would suggest it certainly isn’t about “cutting the cost of health care” as these bozos in Washington continually repeat.

    Anybody ready for a tea party?

    "We are all in the same boat on a stormy sea and
    we owe each other a terrible loyalty." - G. K. Chesterson

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    Steve Montgomery Tuesday, December 22, 2009 0 comments

    Sunday, December 20, 2009

    Like A Thief in the Night

    The Senate, led by Harry Reid, is planning a preliminary vote on Reid's "health care" legislation at 0100, that's 1AM on Monday morning, December 21.

    A vote in the middle of the night is very indicative of the nefarious nature of those trying to push this bill through. If it was good for the nation and had the support of the American people this vote would take place in the light of day, in full view on C-Span and in time to make the next day newspaper headlines.

    That the Democrat leadership is sneaking around in the middle of the night like cockroaches speaks volumes.

    Among other things, to get this bill this far Reid and his cronies has had to tighten rules against funding abortion, rules that will no doubt be stripped in conference. He also, apparently in a nod to his Hollywood supporters, stripped a tax on cosmetic surgery while throwing the youth who supported Obama under the bus by adding a 10% tax on tanning bed services.

    This bill will add an additional $1 Trillion to the federal budget and while it is supposedly budget neutral, that is because the collection of new taxes will begin immediately, in some cases retroactively, while "benefits" won't start until 2014.

    So while on paper the bill is "neutral" for the first 10 years, no one, at least on the Democrat side, is talking about what happens after that. Anyone with a 5th grade education can see that after 10 years, this bill will produce at minimum 30% annual deficits. That's before the inevitable excess costs inherit to every spending bill that has come out of Congress begins producing massive deficits.

    If this bill passes, our government will have set in place the tool of its fiscal destruction and the collapse of the American economy. It may not be 5 or 10 or even 15 years away, but with this kind of reckless spending, no individual, business or, yes, even government can even hope to keep its financial head above water.

    "We are all in the same boat on a stormy sea and
    we owe each other a terrible loyalty." - G. K. Chesterson

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    Steve Montgomery Sunday, December 20, 2009 0 comments

    Wednesday, July 22, 2009

    An open letter to the President

    Dear President Obama,

    The current attempt by this administration to socialize the medical system is a blatant power grab for 17% of the US economy. The majority of Americans are beginning to see this for what it is and to understand this administration's desire to wreck our free market economy.

    I do not support this move by this administration nor do at least 51% of the American people. The more we know about this scheme the less support it engenders. This is a tribute to the intellect of the American people.

    That your administration in collusion with the Democrat majority rushes this to a vote before the American people learn more is a testament to your callous disregard for the will of the people.

    We will not be dissuaded by high sounding words and misinformation. Stop this insanity, NOW!

    "We are all in the same boat on a stormy sea and
    we owe each other a terrible loyalty." - G. K. Chesterson

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    Steve Montgomery Wednesday, July 22, 2009 0 comments

    Wednesday, January 14, 2009

    Just say NO!

    We must demand our Senators and Representatives vote against any more bailout of private businesses and individuals with government, taxpayer money. It is time for us to bite the bullet and face the consequences of our irresponsible financial behavior. It is immoral for us to pass on to our grandchildren and great-grandchildren this debt.

    The American people were sold a "bill of goods" last October, and it's happening again now. Throwing more taxpayer debt at the economic problems our nation faces will only at best delay the inevitable while piling up unconscionable debt on our children, grandchildren and great-grandchildren.

    Our government now owes more money than all of us in the country put together possess. We now owe nearly $57 trillion while our total net worth is only $56.5 trillion. President-elect Barack Obama has said, "We've got trillion-dollar deficits for years to come even with the economic recovery that we are working on at this point."

    Obama's plan, being promoted by Democrats and Republicans alike, is to pass out money, running up debt that our grandchildren will be forced to pay. Their solution is simple. Throw more money at the problem. Many of the projects clamoring for a piece of the "pie" at best are poor investments. Others just don’t make sense or amount to funding of projects no one else wants or sees a legitimate need of.

    Where will the government get these trillions of dollars? They will go to the printing press and print more, which means that dollar in your pocket will be worth less. It also means the government will borrow more. From whom? Try China and the rich oil producing countries. At the rate we are going, China will never have to fight us. They will own us.

    We don’t need to keep digging the hole deeper and deeper. Where will the bailouts end? We need some leadership from Congress, and we need it now. In the vacuum of statesmanship out of Washington, the American people must show that leadership. We know that in the real world there is no such thing as a free lunch; we must make sure oblivious Washington insiders know that as well.

    They must stop feeding the American people a line of $&#@!. Democrats railed against Republicans over federal deficits during the Bush years. Now they are set to allow nearly as much deficit spending in one year than was incurred during the entire Bush administration, and yawn while doing so.

    Stop the bleeding now! Just say NO to any more bailouts, "taxpayer investment" and government wealth transfers of all kinds. I for one am sick of the enormous transfer of wealth from this nation to China and the oil producing nations. Every dollar of deficit spending means more for them.

    Write your Representatives, Senators and the President-elect. Tell them, "Stop it...NOW!"

    "We are all in the same boat on a stormy sea and
    we owe each other a terrible loyalty." - G. K. Chesterson

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    Steve Montgomery Wednesday, January 14, 2009 0 comments

    Wednesday, October 08, 2008

    SNL Update

    YouTube has taken down the video link in the last post.

    NBC has stated that the skit failed to meet standards. The question is, whose standards? SNL has never been afraid to lampoon anyone and specifically anyone on the right of the political divide.

    They used their editorial commentary skits to skewer most recently Sarah Palin and her family, even going so far as to suggest incest. So I don't understand what the problem is here unless some very powerful people, i.e. the Sandlers or George Soros, has threatened NBC with lawsuits, or even with buying them and firing them all.

    Michelle Malkin is following this closely, visit her site for the latest info.

    Here's the link to the edited version just posted on the NBC Saturday Night Live site. On my first viewing the differences seem minor. The most prominent is the absence of an identifying tag under the Herb and Marion Sandler characters that states “People who should be shot."

    Maybe they were afraid that some of the people they took advantage of in their quest for billions of dollars would see that not as a satirical statement but a suggestion that should be followed up on.

    I just located a site with the original unedited version of the skit along with an outtake of the edited portion and a video embed of the edited version from Hulu.

    SNL Bailout C-Span Video Clip

    Thanks to the internet, NBC can run but they can't hide. Hmmm, I wonder if someone at NBC, some free thinker, is actually helping to keep this alive as a snub to whomever is trying to shut it down in original form? Ya think?

    "We are all in the same boat on a stormy sea and
    we owe each other a terrible loyalty." - G. K. Chesterson

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    Steve Montgomery Wednesday, October 08, 2008 0 comments

    The missing SNL video...

    The current brouhaha among political watchers and commentators is the disappearance of a video on the NBC/SNL website of a skit broadcast this past Saturday night.

    This skit is a surprisingly honest commentary on the events surrounding the recent bailout, the complicity of the Democrats, the amazing availability of easy money for mortgage loans to people that could in no way qualify without the intervention of the Community Revitalization Act, and the gross greed of those in the mortgage industry who took advantage of the situation.

    While the politicians depicted are real, the "victims" are fictional, except for Herbert and Marion Sandler who are real life individuals who profited hugely by focusing of sub-prime mortgages then selling their business to Wachovia in 2006 just before the mortgage meltdown began.

    The only primary missing ingredient is a direct reference to the collusion of Congressmen, specifically Barney Frank though he is depicted in the video, to prop the doors to Freddie and Fannie open even while the Bush administration and members of the Republican Congress raised warning flags and tried to reign them in.

    I’ll say no more but post links to pertinent articles and say that I’ve downloaded the video, so if it goes missing again, I and many others who’ve done the same will work to keep it alive.

    This video, in satire, tells the story that many in the mainstream media won’t touch, and apparently NBC is to dishonest, and apparently frightened by someone, to remain public.

    Links:
    YouTubeFreddie and Fannie
    LA TimesSelf-censorship? "Saturday Night Live" pulls bailout skit
    Michelle MalkinThe missing SNL bailout skit — and the Soros connection
    RedStateNBC Yanks SNL Skit From Internet To Help Democrats
    WikipediaHerb Sandler
    Winston-Salem JournalEx-Golden West banker defends his mortgage actions

    "We are all in the same boat on a stormy sea and
    we owe each other a terrible loyalty." - G. K. Chesterson

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    Steve Montgomery Wednesday, October 08, 2008 0 comments

    Tuesday, October 07, 2008

    An open letter to Sen. Bill Nelson (D-FL),

    While I am appreciative of your negative vote on H.R. 1424, I question whether your reasons were the same as mine.

    The socialist shifts legislated in 1424 are an affront to our Republic and I fear that Section 110 will cause more damage to our nation and our economy than even the provisions of Section 101.

    Short-term relief to mortgage holders who made poor decisions will result in undermining confidence in our nations banks and financial institutions even more so than current events have.

    The underlying cause of the current financial and mortgage crisis originated in a Congress which, putting politics over the nations good, created legislation, the Community Reinvestment Act, that served to embolden activist groups to badger, sue and force institutions into making loans that were imprudent and unjustifiable.

    It encouraged individuals to purchase homes far beyond their ability and means. Not unlike a Ponsi scheme, when the bubble burst, those caught in it’s midst found a hell hole where there should have been a castle.

    Members of Congress, on both sides of the aisle, voted to encourage and allow Freddie and Fannie to dangerously expose their portfolios to these sub-prime notes in an effort to further expand home ownership by many who could not afford the responsibility of such.

    While the individuals were certainly to blame to letting their greed and dreams overcome commonsense, and the lenders are to blame for not resisting the dangers of making such loans on the promise of increasing profitability, it is squarely on Congress where the blame must fall for creating the social engineering scheme that created this mess.

    While Democrats demonize the current administration and Republicans, and there is blame to go around, the record clearly shows that this administration and certain Republican members raised a clarion call several times since 2001. It was the Democrat members who, though in minority, used procedure to kill these efforts to reign in those out of control entities.

    Mr. Barney Frank was a primary contributor to killing these attempts and he should be a primary target of investigation for deliberately ignoring his fiduciary duty to the American people.

    But Mr. Frank is not solely to blame. Every member of Congress who participated in this social engineering scheme is a fault and in my opinion should be turned out of Congress.

    It is imperative that if this Republic, this great American experiment in democracy, is to survive, the People need representatives who truly represent the interest of the people. I fear this Congress is enamored with their own selves, with their quest for power, and have lost that vision, assuming they ever subscribed to it.

    Write your Representative: How did they vote?
    Write your Senators: How did they vote?

    "We are all in the same boat on a stormy sea and
    we owe each other a terrible loyalty." - G. K. Chesterson

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    Steve Montgomery Tuesday, October 07, 2008 0 comments

    Monday, October 06, 2008

    An open letter to Sen. Bob Martinez (R-FL)

    I am very concerned by your vote in the affirmative for H.R. 1424. This bill was rushed through the legislature and little time was given to investigate alternative solutions that would be more effective and less costly to the American taxpayer.

    Even now our President and other leaders are backing off their urgent pleadings, telling us now that this bill will not be implemented for several months and will have little effect on our economic crisis.

    I am very disturbed by the legislation provided in Section 110. It appears to me that this Congress has created provisions that, even more than Section 101, will advance socialism in the United States and the federalization of our financial markets.

    I am surprised that your college, Mr. Nelson (D-FL), voted against this bill despite on its language that socializes the US financial markets and our banks via:

    1) Government ownership of financial institutions, and
    2) Unwarranted government intervention into private mortgage contracts.

    This slippery slope will only become steeper if Democrats, now encouraged in their agenda, retain their majority.

    I plead with you to set aside political considerations and make a stand for the future of our Republic.

    Alexis de Tocqueville said, "The American Republic will endure, until politicians realize they can bribe the people with their own money."

    Our legislators discovered this long ago, the people are swallowing this hook into their collective gut that will eventually rip them inside out.

    Write your Representative: How did they vote?
    Write your Senators: How did they vote?

    "We are all in the same boat on a stormy sea and
    we owe each other a terrible loyalty." - G. K. Chesterson

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    Steve Montgomery Monday, October 06, 2008 0 comments

    Tuesday, September 30, 2008

    Congressional statesmen hold the line for the people.

    An open letter to Florida Rep. Ric Keller:

    Thank you for your vote against the flawed Emergency Economic Stabilization Act of 2008 - H.R.3997. It was and remains deeply flawed and fails to address the fundamental problems underlying the current weakness in the credit markets.

    It seems that many in Congress have the mindset that the only solution to a problem is to “throw” money at it. You cannot fix is problem caused by bad legislation with more bad legislation.

    There is a much better solution that will be less costly to the American taxpayer. According to William Isaac the Fair Value Accounting rules, better known as mark to market, are a prime culprit in the current crisis.

    According to Isaac, “This is contrary to everything we know about bank regulation. When there are temporary impairments of asset values due to economic and marketplace events, regulators must give institutions an opportunity to survive the temporary impairment. Assets should not be marked to unrealistic fire-sale prices. Regulators must evaluate the assets on the basis of their true economic value (a discounted cash-flow analysis).”

    One Rep. John Linder has said that were this rule returned to mark to par almost every financial institution that is now in trouble would be back on solid footing. Mark to par served our nations financial institutions well for 220 years. FAS 157 and mark to market has resulted, in conjunction with other flawed legislation such as the Community Reinvestment Act, in the current crisis in our financial markets.

    The CRA requires banks and lending institutions to make loans to that were otherwise fiscally indefensible. Many of the loans made under CRA form the basis of the current sub-prime mortgage foreclosure problem.

    Community organizers have used CRA to force banks to make loans they otherwise would not have extended. A.C.O.R.N., for one, is well know for its methods of “shaking down” lenders and requiring them, under the auspices of CRA, to make “exotic” loans to unqualified applicants.

    Contrary to assertions by Democrats, deregulation by Republicans has not been a factor in the current crisis in the financial markets. To the contrary, Sarbanes-Oxley, voted into existence by a Republican Congress in response to Enron, WorldCom, Tyco, et. al., was a buzz saw where a scalpel was needed.

    This should be revisited and repealed in part or, better, in whole.

    Additionally, updating F.D.I.C. insurance to cover up to $250,000 in deposits will ensure small businesses that the money they need for payrolls and operating expenses will be there when needed despite the turmoil in the credit markets.

    I’m not financial wiz, but I do understand that when government gets involved in the private sector, the primary result is chaos and disruption. There is a place for prudent regulations and laws to punish abusers.

    But government manipulating the private sector for the purpose of advancing “progressive” policies that fly in the face of common sense and good business practice must stop.

    Further reading:


    "We are all in the same boat on a stormy sea and
    we owe each other a terrible loyalty." - G. K. Chesterson

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    Steve Montgomery Tuesday, September 30, 2008 0 comments

    Tuesday, September 23, 2008

    Wow Crowds in The Villages Frighten Dems

    Sunday we headed south to The Villages to be part of the crowd welcoming Republican V.P. Nominee Sarah Palin. We left early because the crowds were anticipated to be in excess of 30,000. That estimate was based in part on the 30,000 event tickets that were snatched up by Florida residents who were anxious to see this charismatic candidate.

    However, on Friday before the event, the Republican Party of Florida announced that all comers would be welcome; no one would be turned away. With that, the doors swung wide and the thousands who couldn’t get to a local party office to retrieve their free tickets stormed this small but growing retirement community 65 miles northwest of Orlando and 85 miles northeast of Tampa.

    We arrived about 3 hours before the event was to begin and after waiting in traffic for an hour, only to learn that the parking for that area was closed, we turned around and headed back to another access. When we discovered we were in stopped traffic moving at a pace that would easily give a turtle first place, and finding ourselves 3.5 miles away we decided to reevaluate.

    I needed to be back home to get some rest before getting up at 1:30 am for work and realizing, with the crowds and traffic, it would be hours after the event before we were able to get out of the heavy traffic and begin the drive back home. So we made the hard decision and turned around and left.

    It was disappointing to miss being a part of this event, but duty called. When I learned the following day that the crowds were estimated to be 60,000, I wasn’t’ surprised. Though I had in no way got close enough to get a visual, and when we left it was still 2 hours before the event, the number of folks already there was amazing and there was no apparent end that we could see.

    I’ve read a number on online accounts of the event but really not that many. It was heavily covered locally, but national coverage was limited. Newspapers close to The Villages reported the crowd at 60,000 estimated by the fire chief whose job it is to know such things.

    There are anecdotal stories of people traveling in excess of 100 miles to be part of this event, the first by Mrs. Palin out from under the wing of Senator McCain. The crowd was hoping for a glimpse of this energetic and engaging newcomer to the US political scene. The media was hoping for a gaff.

    A number of liberal papers and news sites disputed those numbers citing unnamed individuals in the crowd or pitting their reporters estimate of the crowd as low as 20,000 against the numbers cited by the professionals. They questioned the validity of the estimates and on Washington Post columnist suggested that the McCain campaign released the numbers provided by the Secret Service, which the columnist offered doesn’t provide numbers.

    I think they are trying to diminish the welcome Florida gave to Palin because of the poor showing for Obama earlier in the week. The Miami Herald described Obama’s visit to Jacksonville, a metropolitan area of 1.3 million and heavily Democrat as attended by an “overflow crowd…capacity 13,000.

    Oh, by the way, The Villages is a community of roughly 70,000 with the much larger metropolitan areas of Orlando and Tampa 1 ½ to 2 hours away. So it seems that even in something a benign as crowd estimates, the bias of the media shows through.

    "We are all in the same boat on a stormy sea and
    we owe each other a terrible loyalty." - G. K. Chesterson

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    Steve Montgomery Tuesday, September 23, 2008 0 comments

    Thursday, August 28, 2008

    You are being manipulated...

    ...and you probably don't even know it. Of course that's the whole purpose of advertising, to manipulate you into buying the advertised product or service. But what about politics? Are you being manipulated there as well?

    According to a recent broadcast on NPR's Science Friday, you are and have been for a long time. I think the difference this political cycle is that the candidates and their campaigns are getting a better understanding of the science and using it to their advantage.

    According to "The Science of Getting a 'Yes'" there is a proven relationship between the method of displaying an apparent large group of like minded people, and an individual's decision, conscious or otherwise, to go along with the group.

    Obama is using this concept tonight to, for the first time ever, filling Denver's Invesco field with some 70,000 people, hoping those in attendance will use their cell phones to bring others there as well, at least in a virtual reality sense. If you are part of the group, well...if all these people believe it must be true. Right?

    Of course, if you are armed with information, you can inoculate yourself from the manipulation, well, at least to the degree you want to be immune. So take 20 minutes or so and take a listen to the podcast by clicking on the player below.










    If that doesn't getcha thinkin' maybe this will. Is Obama the Messiah? Of course you've heard it mentioned on talk radio for weeks, even months. But there are true 'believers'. Check out the following:

    Is Barack Obama the Messiah?
    The Obama Messiah Watch
    Barack Obama's Messiah Complex
    Obama, The Anointed ONE
    AP Photo Evokes Obama as Christ at His Baptism

    House Speaker Nancy Pelosi has declared him "a leader that God has blessed us with at this time." Of course conservatives need to be careful about this. Many declared the same thing about George W. Bush.

    But Bush didn't march around acting as though he was the answer to the worlds problems and that it was "our time." Obama acts as though he believes he is "the ONE" and the scripting of his campaign carries out that message both overtly and subliminally.

    Of course thinking people know that anyone who thinks he has all the answers to the worlds, or even America's, problems doesn't. But then, it appears that those who support Obama have either checked their brains at the door, or have agenda that is supplemental (race) to or tangentially related (consolidating power) to an Obama presidency.

    "We are all in the same boat on a stormy sea and
    we owe each other a terrible loyalty." - G. K. Chesterson

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    Steve Montgomery Thursday, August 28, 2008 0 comments

    Saturday, August 02, 2008

    Politics, power and pocketbooks...

    It’s been a few days since posting. Lot’s of personal responsibilities clamoring for attention drew my attention away from the computer, but not the news. Still, in the coming days it will be a balancing act to write while continuing to take care of business at home.

    Of interest is the today’s story on the draconian measures of House Democrats to shut down Republican efforts to pass legislation to deal with the current rise in prices digging into the pocketbook of American families.

    The House leadership, without debate, passed a resolution Friday to adjourn that legislative body for the next five weeks. In doing so they effectively turned a deaf ear to the cries of Americans seeking relief from high gas prices.

    Democrats are reticent to enact any legislation that brings relief to high oil prices, preferring to play on the American distrust of oil companies that has been perpetuated by their rhetoric and media misinformation.

    The ban of offshore drilling will expire September but it is still a toss up whether Democrats will chance angering voters by extending the ban.

    After the adjournment, Republican held a protest on the House floor with Representative Thad McCotter (R-Michigan) proclaiming, “he believes part of the reason Congress is so hated by the American people is because they ‘care more about politics than about working people.’"

    Rep. Mike Pence, R-Ind, declared, "Republicans will not go quietly. Let us demand that the president of the United States ... call a special session of this Congress on energy."

    So what’s up this Democrat Congress? Why won’t they address the issue of high oil prices? I believe, like many others, it’s because they want oil and gas prices to remain high, at least through the November elections. What better tool to demonize Republicans than to paint them and the Bush administration with the false colors of complicity with “big oil.”

    The ignorant voter base of the Democrats who will not educate themselves on the facts of the issues will blindly fall in line. Many other Americans who remain more interested in entertainment and celebrity than arming themselves with the facts will follow along.

    Meanwhile, Barack Obama has flipped and now supports drilling offshore. That’s a 180-degree flop from his strongly held, immovable and principled position of only a few weeks ago. One would have to believe that his principles can be bought and the change we can believe in it the changing nature of Mr. Obama’s positions.

    And the beat goes on. Meanwhile, while the American people struggle with high fuel prices, spiraling grocery prices and an economy that seems to be faltering, succumbing to the efforts of the Democrats and their media crony’s, Democrats and Republicans go on a spending spree.

    The spending bill passed on Friday included 510 earmarks. These spending measures are stuffed into legislation, most going unnoticed until after the final vote. Most of the money spent goes to pet projects in the representatives’ district and much of it isn’t even requested or lobbied for by the recipients. Their primary purpose is to memorialize the representative or senator who lassos it.

    Meanwhile, weighed down by the aforementioned increasing cost of living, American families are paying for the vanity of their representatives $17 Billion addiction. According to Citizens Against Government Waste, politicians spent $17.2 billion on 11,610 pork projects in 2008. It cost’s every American family $153.57. That’s more than a week’s worth of groceries for most families, money they could sorely use in their own budget yet Congress persists in pilfering the pockets of the public for their own pernicious practices.

    "We are all in the same boat on a stormy sea and
    we owe each other a terrible loyalty." - G. K. Chesterson

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    Steve Montgomery Saturday, August 02, 2008 0 comments

    Sunday, June 22, 2008

    The charge of the light...uh...er...police!

    CFLs, Compact Florescent Lights. One of the latest technologies in lighting is making a strong showing as the technology matures. I have a few around my home. In some ways I like them. Long life, low cost to use.

    Though they are much more expensive, the 3-way I bought was about $9.75 compared to $2.85 for a comparable incandescent 3-way, the longer life and lower cost to operate make them a good buy in the long run.

    Of course there are downsides. Due to their size, especially the base, not all lamp receptacles will accept them. I have one 3-way floor lamp that won't. To use a 3-way CFL in that location I'll have to buy a different lamp. But hey, it's good for the economy, isn't it?

    They are also considered hazardous waste by the EPA and require special methods for cleanup and disposal, especially if broken. What about the long term "unintended" consequences. We Americans are good about that. Rush out to the latest, greatest, best thing, only to find out months or years later there's something terribly wrong with it.

    But wait, these things are made in China, only China. Let's send more trade deficit to the nation that in 2007 brought us lead paint in children's toys, industrial chemical poison in pet foods, antifreeze in toothpaste and more.

    OK, all that aside, now comes along Congress and they want to tell us we "MUST" stop buying incandescent bulbs and switch everything over to CFLs. Looks like the CFL manufacturers lobby made some campaign contributions.

    I'm all for conservative use of energy. After all, I AM a conservative. But what I don't want is Congress telling me what I WILL do, especially in the privacy of my own home.

    Liberals rail against those who have strong convictions on abortion and homosexuality. Their primary argument is no one should tell anyone what they should do in the privacy of their homes or even bedrooms.

    But now this Liberal congress wants to invade the privacy of my home and mandate I use a technology that they dictate. Doesn't this smack of hypocrisy?

    Just for the record, I don't want government telling me I have to wear a seat belt either. Should I wear one? Yes. Do I wear one? Of course. Do I wear it because the law requires it? Absolutely not!

    I wear a seat belt because it's stupid not to. Years of tests and studies have proven seat belts save lives. Two weeks ago I came upon a rollover accident moments after it happened where both occupants were thrown 10's, perhaps 100's of feet because they had no seat belts.

    In the same way, CFL's have benefits. But one thing they don't have the benefit of is years of research. Do we really know how they will perform and what dangers they may impose years down the road?

    So to Congress, get out of my personal life, quit telling me what I should buy to light up my life. CFL's are OK and have many uses, but it's not up to Congress to tell me to use them.

    But, wait a second. I have a thought on how we can use them and maybe clean up Congress at the same time. Rep. Poe mentioned something that may help. Lets all grab a few CFL's and toss them into Congress! According to the EPA, they will have to evacuate!

    If we throw enough of 'em, maybe the cleanup will take so long they'll be out of session for several years and "we the people" will be able to take our country back from the career politicians and we can do something positive for this nation.

    How 'bout it!

    "We are all in the same boat on a stormy sea and
    we owe each other a terrible loyalty." - G. K. Chesterson

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    Steve Montgomery Sunday, June 22, 2008 0 comments

    Wednesday, June 11, 2008

    Congressional windfall profits grab...

    The rising price of gasoline is hurting nearly every family in America. We are tired of Congress doing nothing but bowing down to the environmentalists.

    It is time for Congress to develop a program that allows the exploration of America's energy sources without materially affecting our environment. Congress should put our families first, ahead of the environmentalists!

    Recent actions by Congress to demonize oil companies while Congress does nothing of substance are deplorable. Senator Claire McCaskill castigates oil companies for earning $83,000 a minute in profits in 2007.

    At the same time, for every minute of 2007 and 2008 Congress spends $5,137,000.00 of the American taxpayers hard earned money, and continues to ask for more. That's over $5 million a minute with nothing of substance to show for it.

    As a nation our problem is not the oil companies, who produce a needed product and earn a reasonable 8-10% profit margin for their efforts. Our problem is a Congress who is in the pockets of the environmental cartels that are bent on the destruction of the American economy while Congress aids and abets the ruin.

    It's time Congress acted with substance, not throwing fodder to the masses in the form of an oil company "windfall profit tax" "trust fund" that will be raided by this do nothing Congress in the same way the Social Security trust funds are.

    If this is the best our elected officials can do I suggest they do the American people the greatest service a politician can and just get out of the way and allow the American economy and private industry go to work and fix this problem that by it's very nature Congress cannot.

    "We are all in the same boat on a stormy sea and
    we owe each other a terrible loyalty." - G. K. Chesterson

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    Steve Montgomery Wednesday, June 11, 2008 0 comments

    Friday, May 23, 2008

    Dealing with petroleum production

    One of the most immediate and difficult predicaments facing the American people and their political and business leaders is the problem of energy. Where to get it, how to conserve it and how to use it effectively throughout our economy.

    Please understand that I am not an expert on these matters. I'm simply a layman who looks at these things, is curious about the facts, and analyzes them with a basis in common sense. The latter part seems to be pretty scarce in American society, politics and the educational system.

    Proceeding on the premise that the current energy troubles we face are at their root problems with supply and demand, both current and future, mitigated by geopolitics and certain economic realities as the decline of the dollar, there is no one simple solution to this problem.

    Lets deal with the problem of supply first.

    US proven reserves as of January 2007 totaled 21,757 million barrels or enough to fully replace foreign imports for just 10.8 years. So that alone isn’t the answer. But when you consider our largest trading partner for crude is Canada from which we import 15% of our need has reserves totaling 179,210 million barrels the situation doesn’t look quite so dire.

    The problem with accessing the US reserves is one of political policy. The US Congress and the Administration, both past and present, Republican and Democrat, have gotten in bed with radical environmentalists who have convinced them that our crude oil reserves cannot be accessed without doing damage to the environment. That is patently wrong.

    While it can be demonstrated that done improperly, oil production and transportation can cause harm, we have the technology and know how to do it right. ANWR and the continental shelf have huge untapped oil deposits that have been deemed politically inaccessible. That must change if America is to regain energy security.

    Another huge source of petroleum for the US is found in shale oil. The US has reserves of 2 Trillion barrels of shale oil, nearly four times that of the rest of the world. Because of the difficulty in extracting and processing it, until now to do so hasn’t be profitable. But with crude prices in excess of $130 per barrel, it can now be a viable source of energy.

    At current levels of consumption, that would provide crude oil for 280 years. Allowing plenty of breathing space for technology to develop and test alternative energy sources without rushing them out to unintended consequences.

    The problem now is again, the environmental lobby who rail on about the potential damage that may be caused by extraction. Enter Raytheon Corp. which has developed a way to do this in a much more environmentally friendly way. Still, politicians and environmentalist will persist in blocking this resource that would provide a major foundation of US energy security.

    Also, the US is an exporter of crude oil, 1,317,000 barrels every day. That amounts to fully a quarter, 25% or total US crude oil production. If we diverted that flow to domestic markets we could extend our total crude oil supply an additional 10%. To continue to export crude oil in the face to the energy security crisis we face is unthinkable.


    If the US seriously committed to any of or preferably all the above the effect on the crude oil futures market and the petroleum producing nations would be immediate, even though it would take time to ramp up production.

    Remember, it’s a futures market. The price is based on anticipated supply and demand. If the marketplace understands there is truly going to be substantially greater supply, traders will factor that in, producers will recognize the increased competition for their product and the price per barrel will shrink accordingly.

    That will have a very quick impact at the pump. And it will be long lasting as opposed to quick fix fuel tax holidays and wrong-headed suspension of deposits into the SPR proposed by politicians who refuse to think out of the box.

    House Republicans have already begun to answer the call with a proposal to increase production. But it needs to be more than merely a proposal and House Democrats need to join in.

    OK, so is increased domestic production the answer. Not in and of itself. We need to actively pursue alternative energy sources. I’m not talking simply solar or wind technologies though they are a part of the matrix.

    The next post will discuss some of the alternatives to petroleum.

    Statistics taken from:
    The Energy Information Administration-Dept. of Energy

    Interested in holding your politicians "feet to the fire?" Follow the link below to American Solutions where you can join others petitioning Congress to act now to expand use of our domestic resources.


    "We are all in the same boat on a stormy sea and
    we owe each other a terrible loyalty." - G. K. Chesterson

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    Steve Montgomery Friday, May 23, 2008 0 comments

    Sunday, May 18, 2008

    Gas prices, taxes and politics

    I just returned from a 13-day trip to Ocracoke Island and Myrtle Beach. While the destinations and itinerary of that trip will be the subject of future posts, my current interest is my observations on the ongoing debate over the soaring price of fuel.

    In January of this year unleaded regular gasoline cost an average of $3.085/gallon and we all were crying the blues. Now, four and a half months later, the average price of a gallon of unleaded regular in Florida is $3.814, an increase of 23.6%. Annualized that’s an increase of 62.9%.

    That hurts everyone and affects every part of our economy from food to transportation, from stock prices to entertainment; everything we do is connected in some way to the cost of fuel and crude oil.

    The burning question on most people’s minds is, “who is to blame?” The media and the Democrat party will tell you its “big oil” and the Bush administration who are at fault. Most people go along with that assessment because it makes a neat little package and easy to understand.

    I find it interesting that when asked a hard question, liberals (i.e. Democrats) will counter that the answer is not so simple, nuanced with many variables that must be addressed for one to understand their answer. But when it comes to the price of fuel, they simply pin the blame on “big oil” and the current administration.

    But is it really so simple, and is the fix so simple as well?

    They want to divert the deposits into the Strategic Petroleum Reserve to the marketplace for the rest of the year and eliminate the federal gas tax for 15 weeks during the upcoming summer driving months. Sounds good, but will it really make a serious impact?

    The Strategic Petroleum Reserve (SPR) amounts to 70,000 barrels per day, about one tenth of one percent of world consumption and 0.0056% (that’s just over one half of one percent) of daily US imports.

    If the SPR were full and we were to be cut off from the world oil supply, there would be only about 58 days of reserve before we would need to drastically cut back on consumption. In practice though, we would need to make those drastic cutbacks immediately.

    The US is dependent on foreign crude oil for 60% of its consumption, the largest portion of which is refined into gasoline (9.253 million bpd). However, if the 12,000,000 barrels per day we import was interrupted not only would fuel supply be scarce, but manufacturing of most goods would grind to a halt.

    Not only is crude used to make plastics, which permeate every part of our economy, but the machines which produce them and make every item we produce more affordable would stop for lack of lubrication and maintenance parts.

    But returning to the immediate issue of the price of gasoline and the effect of the congressional and administrations band-aid approach. It’s estimated that diverting the SPR to domestic production will result in a reduction of about .03 - .05¢ gallon. That works out to about $53 in savings over 6 months of the diversion. Excited?

    The moratorium on the 18.4¢ federal gas tax will save motorists an estimated $28 - $30 on average over its limited lifespan and in the process reduce available revenue for highway maintenance by $6.4 billion, affecting 10’s of 1000’s of highway related jobs.

    So for the sake of saying they did something, our congressmen/women and the administration are going to save you about 83 bucks, expose a weakness in our national security, expose motorists to unsafe roads as they go unmaintained and throw thousands of highway workers into the unemployment lines.

    In the end, who's gonna notice anyway? In 38 days at the current rate of increase the pump price of gasoline will be right back where it was before the "cuts" took place. At the end of the summer when the "tax holiday" ends and the price suddenly rises 18.4¢, do you really think the American people will remember they've been enjoying the largess of the US Congress for 3 months?

    Sounds like a great plan to me.

    My next post will include some of my ideas on what we should do to deal with this problem and the wider issue of the US energy supply.

    "We are all in the same boat on a stormy sea and
    we owe each other a terrible loyalty." - G. K. Chesterson

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    Steve Montgomery Sunday, May 18, 2008 0 comments

    Wednesday, March 19, 2008

    How long do we have to wait?



    Come on Dems, get with the program, how long do we have to wait? Until another 9/11?

    Now, ya curious about this and more, get a different take on Washington politics. Visit the Freedom Project.

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    Steve Montgomery Wednesday, March 19, 2008 0 comments