A Plan to Eliminate Poverty.....immediately

Contrary to what you may have heard, as a Libertarian I do not hate poor people. For one thing, I used to be one. If I harbor any broad based hatred for a particular socio-economic class it would probably be the nouveau riche, but that's another story. I don't generally blame the poor for their poverty. While some are indeed poor because of the choices they make in life, most are poor for a variety of complicated reasons, many beyond anyone's ability to control. I wish poverty upon no one. In a perfect world, there would be none. But a really great man once said that we would always have the poor with us, so I have always taken him at his word.

This doesn't mean that we should not try to help poor people stop being poor. It doesn't even mean that our government should not try to help poor people stop being poor. It's just that every time we start having a discussion about poverty fighting programs in America, the left presents the issue as the greedy vs. the needy. If only the right could find an ounce of compassion, a thimble full of empathy, a drop of charity, then all would be well. But, consider this:

According to the latest data from the House of Representatives budget committee, there are no less than 92 federal programs designed to help the poor. In total these 92 programs tip the scales with a whopping $799 billion dollar annual price tag. Now, that's a lot of compassion! On a related note, there are currently 46.7 million Americans living "in poverty." Poverty here is defined for an individual as less than $11,700 a year, meaning that a family of four is considered "poor" if their total annual income is less than $46,800. I have no idea who decides all of this, but I will not challenge any of these numbers because it would do no good. I will accept them as true and move along.

Now, here's where my dander gets up. I am a simple man. I hold no ill will against my fellow man, with the exception of Yankee fans, so before you go flying off the handle excoriating me for my lack of compassion, empathy and charity, consider this. If the federal government wrote an $11,700 check and simply presented it to each and every one of the 46.7 million poor people in these United States, they could effectively wipe out poverty. Give every family of four a check every year for $46,800. Wipe out poverty. As a bonus, the cost of this wealth transfer would come to $547 billion dollars....saving the American taxpayer a cool 252 billion dollars every year. 

See, the problem with poverty isn't compassion, empathy or charity. The problem isn't that we are too greedy, that we lack the will to do what it takes to help people overcome it. The problem is that the left has convinced the world that it takes 92 federal programs run with zero accountability to get the job done. Those 92 programs then get to be administered by compassionate, empathetic and charitable leftists until the end of time. The trouble is, since LBJ's Great Society and its war on poverty began, we haven't been able to move the needle much. Back in 1966, the US poverty rate was 15% and 28 million Americans lived in it. Today the poverty rate is 15% and 46 million Americans live in it...our Lord and Savior's observation seeming to have been vindicated.

My point in all of this is this...do we really need all 92 of these poverty fighting programs? Are there some among them that do great work and deliver measurable benefits? I'm absolutely sure that there are. But are many of them nothing more than full employment programs for democrats? Wouldn't it be wise to actually do an audit of each of them to weed out the fluff and identify the truly beneficial programs? Then, after we're done there, we can turn our attention to the crony capitalist, bribery infested, money wasting juggernaut that is the defense budget! 

An Immigrant Story

I just returned from a five day trip to Florida, two and a half days of business, two and a half days of resort living. I had an encounter while I was there that I want to write about while everything is fresh in my mind. If I delay even a few days, I will end up forgetting details.

The Hyatt Regency in Bonita Springs, Florida is not unlike any other high end resort hotel. The grounds are beautiful, the facility impeccably turned out, and the food superb. The only thing I found cause to complain about was the mattress. It wasn't as firm as I like and the hotel pillows were so soft they could hardly support the chocolates. So, after several nights, my balky back began tightening up. I thought it might be wise to avail myself of the tender mercies of the spa, which featured a 50 minute, hot oil, deep tissue massage for the low low price of $145 plus gratuity. When in Rome...

I was introduced to Jackie, a woman who looked to be in her late thirties, early forties and of Latin descent. Her accent was strongly Carribean but I couldn't place it. Her English was choppy and all over the place, but understandable. She had that brawling exuberance of someone from someplace else, someone who had left something bad behind and was desperate to put it behind her. As she instructed me to lay on the table face up, I asked her where she was from. "Cooba"

I am fond of massages. Pam gave me a membership to Hand and Stone for Christmas one year and I've gotten at least one of them a month ever since. This was different. Jackie was different. For one thing, although I've probably gotten massages from over twenty different people, no one has ever asked me about the gigantic eight inch scar running down the front of my chest...

Jackie: You have heart surgery?

Me: Yes. Fourteen years ago next month.

Jackie: Ok now?

Me: Yes.

Jackie: God bless...

She then began going about her work with unbridled enthusiasm. I had earlier made the mistake of mentioning my recent trouble with plantar fasciitis. She then began a rapid fire explanation of exactly what I should be doing about it, complete with pictures of every muscle and tendon found on the human calf and foot courtesy of her smart phone. This woman had medical skills far beyond the entry level familiarity of human anatomy typical of your average masseur. I was intrigued...

Me: How long have you been in America?

Jackie: Eight years. I am here with my husband, daughter, and two brothers. My mother, father and sisters still in Havana.

I never asked her how she got here or even why she left Cuba. Partly because it seemed like too personal a question, but also because when someone has their highly skilled fingers buried knuckle-deep into your latissimus dorsi, it's generally not wise to bring up sore subjects. But, it soon became obvious when I asked her how she liked living in America.

Jackie: It not perfect, but it wonderful. I go anywhere I want, say anything I want. If I want to buy somesing, I go out and buy it, if I have money. Then I have to choose what type, what color, what price...so many choices!! Once, I visit relative in Dalliss. I buy ticket and go. When I finish, I come back to Florida. I ask nobody!! Wonderful.

Me: What's the worst thing about living in America?

I have found over the years that when you ask an immigrant this sort of question, they don't answer very honestly, fearing that they will be misunderstood, and not wanting to criticize America in front of an American. Not Jackie!

Jackie: Medical cost ridicurous! Doctors stupid! They never want to fix anything, they only want to send you to specialist. In Cooba, every doctor free. Only good thing. Also, streets here dangerous. In Cooba, no one carry guns, knives. If you get caught with them, you go to jail and nobody ever see you again. You ever heard of Hunger Game? That is Cooba. Everyone must play governments game. Two television channel, both government. You only watch what they want you to watch. Even internet only what government let you see. You say anything bad about the government, you go to jail and no one ever see you again. In America, anyone say anything they want. In America you do anything you want. But too many guns bad, and stupid doctors.

As I laid there listening to her melodic voice, my mind began wandering. I had been in Florida for four days and had encounters with people from all over the world. I had met a Colombian Uber driver, in America for over twenty years, in between jobs, having recently lost his as a technical producer for The Discovery Channel. There was an Australian man who drove us to the airport. The ladies who served us drinks poolside were either bronzed by a Central American heritage or almond-eyed Asians with silky black hair. The men who emptied the rapidly filling trash cans were from somewhere else, somewhere mostly south of the equator. The mostly invisible ladies who made our beds and cleaned up our rooms every day spoke little English, but offered up broad, defensive smiles whenever eye contact was made.

Jackie: I saving money for citizen test! I have books to study American history...George Washington...haha!

I don't know Jackie's immigration status. I didn't ask her if she came here legally. I believe that any country should have the right to control the traffic at it's borders. There is a right way, a legal way to come here and I have two members of my family who did just that. There is also a wrong way, an illegal way to come here. I want more of the former and none of the latter. But as I lay there listening to Jackie it became clear that she left something bad, something so bad that she was willing to leave her parents behind.

Jackie: My daughter 4 years old when we come to America. She now almost 13. Her English is perfect! But I don't want her to forget Spanish because she has to write letters to my parents every month. She already forgetting how to write, she write four words in Spanish, then two word in English. Makes me sad, but her English is so good which makes me proud. It strange thing...

Yes, it sure is.

When the massage was over I found myself looking at Jackie more carefully. The light came up and I could finally see her clearly. Then I heard myself say...."Jackie, in America today you hear lots of talk about immigration, but I want you to know something. I'm glad that you made it to America. I'm glad you're here. I was born here, as were my parents, their parents and their parents before them. But when you pass that citizenship test, you're gonna be one of us, every bit as American as me. Something tells me that maybe you already are one of us."

As I spoke, this loud, proud woman's eyes began filling with tears. As the tears washed down her face she said, "Thank you, thank you, thank you, gracias, God bless...."

My views bout illegal immigration remain the same. What has changed is that we have got to find a way to talk about this issue in ways that don't make the Jackie's of this  world feel like the enemy, because they aren't. Everyone has a story. Everyone wants something better, a better life, more freedom to live it in peace. Jackie was willing to leave her Homeland and much of her family behind to pursue a life of liberty.

I'm glad she made it.

I had to write this down because even though I will never see her again, I don't want to forget.

How I Survive a Meeting

Ok, for most people this picture would seem an entirely benign image. For some, it might be oddly comforting, with its symmetric layout...glasses placed in even numbers on either side of the sweating water pitcher, pens laid evenly on both sides of the complimentary Hyatt notepads, the tray of candy, inviting. For me and many souls like me, the picture is a dire warning of something horrible to come. Whenever I see this image or any like it, my bowels begin to constrict, beers of sweat start to form around the hairline, then my heart sinks. I know what this picture means. I know what I will be doing for the next however many hours....sitting and trying desperately to listen, trying desperately not to bolt from the room.

I have been attending meetings of this sort for nearly 35 years now. They are necessary. There is information that I must know and apparently, mankind hasn't figured out a more efficient way to disseminate this information since the Council of Trent. So, here I am.

I am not without recourse. I always pick a table in the back of the room, so on the many occasions when I find standing up utterly irresistible I can do so without being too much of a distraction to 99% of the other perfectly normal men and women in the room who seemingly could sit through a three hour tort lecture without even shifting their weight from one butt-cheek to the other. I watch them and marvel at their...stillness. Who are these people? More importantly, what is wrong with me??

Maybe all of them are on some sort of medication which renders even the most sand-poundingly boring material absolutely fascinating. Or maybe they all are grown ups and have acquired the adult skill of sitting and listening. Regardless, I sat through 6 hours and listened to 8 different speakers, all of whom were highly skilled and professional. I'm thinking I might have heard and processed roughly 2 hours of information. The rest of the time I was busy A. Pondering how anyone could possibly have come up with the design of this carpet and B. How anyone else could possibly have purchased it. And, don't get me started on this chandelier... an explosion in a plastics factory that claimed the lives of fifty people. I'm telling you, it is seriously hideous. The rest of the time I ..wait...SQUIRREL!!!!

Sigh....

Living With Regulations

This week, I will be attending a business meeting in Bonita Springs, Florida. Ever notice how business meetings are almost never held in Des Moines or Grand Rapids? Anyway...it's a two day affair where the main topic will be the impending Federal regulation known as the Department of Labor's Fiduciary Rule, its cost and implementation requirements. I'm stoked...

Once I survive,(and I'm making no assumptions here) the rest of my stay will involve rest and relaxation with my beautiful wife in the Florida sunshine. I could sure use it, but my wife deserves it, a clear distinction I should make up front.

Now, if you are of a certain age and political persuasion, you may be thinking, "Great! Another fat cat soirée at some fancy resort, fully comped by some Wall Street cartel bent on screwing the little guy!!" Sorry to disappoint, but the cost of this soirée is being borne by yours truly. I bought the plane tickets, I'm paying for my hotel rooms, the tickets to the Red Sox spring training game were bought and paid for by...me. I am being fed for two days, but, I have to pay for Pam if she decides to join me. So much for my Wall Street benefactors!

However, in fairness I should probably point out that the entire purpose of the dreaded DOL's Fiducairy Rule is to correct abuses in the financial planning/investment business brought on by the fact that some of the folks who do what I do for a living...are crooks. It turns out that if you are a self serving scumbag who doesn't care about anyone but yourself, this is a good business to be in because it is relatively easy to take advantage of people who have placed their trust in you. Of course, to solve the problem of a minority of bad actors, the federal government regulatory regime has chosen a sledge hammer to drive a thumbtack into the wall. The cost of compliance is high and will force me to jettison small clients from my book, the relentless power of unintended consequences once again rearing its ugly head! But, the law is the law. So, comply I must! Unlike the pundits who are constantly extolling the virtues of the regulatory state, for me...the regulatory burden isn't theoretical. I have to write checks.

Sure, I would rather live with bad regulations than no regulations. But that doesn't mean that every or even most regulations that are mandated onto businesses are fair or just. I believe that most were well intentioned but naive, designed to solve legitimate problems but wind up creating more problems than they solve. Make no mistake though...I will comply. I don't get to pick and choose which laws I will obey. I live in a democratic republic and if this is law of the land, then I will fly to Florida on my own dime to find out exactly what I must do to follow that law.

And to make the trip worth while, I'm staying two extra days with the love of my life at a fabulous resort which I am very grateful isn't in Grand Rapids.

Time To Cut Defense Spending

Recently, I posted something on Facebook defending the proposed defunding of the National Endowment of the Arts. Like day follows night, my son rose to the defense of government subsidized do-goodery on the grounds that Art is good, therefore the government should promote it...or something. Although he knows me well enough to know that I too love the Arts, he also is quite aware that I am generally for any cut in Federal funding for...well, anything. Still, he dropped the mic with this challenging observation, "I sure would like to see you endorse cutting the defense budget with as much passion as you're endorsing cutting the NEA."

Little did the young squire know that I have been gathering data for just such an endorsement for quite a while now. At his urging, it's time to write it up. Let's hope that he defends his dear old Dad with half of the passion with which he lit into me for screwing with government-laundering of taxpayer funds to provide Italian operas for the fine people in Podunk Junction, Iowa.

Ok, as a Libertarian, I am, generally speaking, in favor of government spending for only the core functions outlined for it in the Constitution. While people who want the government to fund everything usually cling to the "promote the general welfare" clause as their barest of fig leaf constitutional covering, most everyone can agree that "providing for the common defense" qualifies as an iron clad proper function of our Federal government. As such, it needs to be funded. Yes, we live in a dangerous world. I suffer from no delusions in this regard. But, let's look at some facts, shall
we?

In 2015, here are the five largest defense budgets on the planet in U.S. dollars. To the right of this number is the percentage of each country's Gross Domestic Product which this amount of spending represents:

1. United States.      596 billion.      3.3%
2. China.                  215 billion.      1.9%
3. Saudi Arabia.         87 billion.    13.7%
4. Russia.                    66 billion.      5.4%
5. GB.                          55 billion.      2.0%

Of course, the first thing that jumps out to me from this chart is...wait, what's up with the Saudi's? I mean, good lord, for that kind of money, they could air condition the entire stinking place!

So, this past week, our President met with the German Chancellor and complained (rightly) about the fact that four years ago all NATO members agreed to spend a minimum of 2% of their GDP on defense. Of the 28 countries now counted as NATO members( talk about your mission creep...) only 5 have stepped up to honor their commitments, Great Britain, Greece, Poland, and Estonia. Notice that the two nation's closet to the Russians are fully up to date, and the most broke country in the alliance, Greece, has somehow managed to pay their fair share. The Germans, on the other hand, who happen to be the only country practically in the entire universe who currently is running a freaking surplus, checks in at a mere 1.19%, while the haughty French can only be bothered with 1.78%.

The other thing that stands out from the chart for me is this...we spend nearly 381 billion dollars more than the number two spender, China. Think about that for a minute. What the devil is wrong with us?? But Doug, but Doug you say, we are the world's super power, the beacon of democracy, the defender of the free world. To which I say, says who? Have the American people fully agreed to this role of civilization's policeman with all of its attendant loss of treasure and fortune? Have we been consulted on why we have to spend this amount of money every year despite running trillion dollar deficits? How much of this nearly 600 billion dollars actually goes to defense of our borders as opposed to say...South Korea's borders or Poland's borders? And, how can it be possible that there are actually people screaming that we need to spend more, a lot more to make up for that cheapskate Barack Obama's hollowing out of our military? Well, if reducing defense spending from 687 billion back in 2009 to 596 billion last year qualifies as hollowing out, then Hell's Bells, we are doomed.

My problem with this sort of military spending...besides what it does to the financial stability of the budget, is the fact that if you constantly build bigger, better, fancier and more deadly weapons, you will end up with a hundred generals who start dreaming up ways to use them. I mean who gets a shiny new toy for Christmas but never wants to play with the thing, right?

Here's my proposal. I say we live up to the obligations we have made to the NATO alliance and spend 2% of our GDP on defense. We would still be outspending everyone else in the galaxy...by a lot. This would free up roughly over a quarter of a TRILLION dollars to the U.S. Treasury...every year!! We can immediately start fighting over what to do with all this money. My son can lobby for full funding of every Arts program known to exist in the free world and even invent some new ones. I could start arguing for a tax rebate back to the citizens who actually pay taxes, and I would not even be opposed to a paying down of the national debt with the windfall.

Before you start haranguing me about how naive I am about how the real world works, explain to me what exactly we got out of the wars in Iraq and Afghanistan? Was our safety and security enhanced or threatened by those vast expenditures of men, women and materials? My modest proposal above still calls for spending more on our defense budget than Russia and China do on theirs combined.

Greatest Speech I Ever Heard

I'm generally not the type of person who goes in for motivational speakers. I find them trite and formulaic and a bit too flashy for my taste. Consequently I have avoided them for most of my life, with one notable exception. I was in Atlanta, probably twenty years ago, attending a Million Dollar Round Table meeting...something else I have tried to avoid for most of my life. I was with my friend, Doug Greenwood and we had both signed up to go to an evening breakout session with some guy named Jim Rohn. I can't remember why we had chosen him, since I had never heard of the man, but nevertheless, there we were at 7:00 in the evening walking into a standing room only ballroom with two thousand other people. We were stunned at the size of the crowd and surprised at the buzz flying around in the atmosphere as we waited. I kept hearing the descriptor, great man, wafting in the air. I remember thinking, who is this guy?

He walked out onto the small stage to thunderous applause. Apparently, we were amongst a pack of Jim Rohn groupies, I thought. I immediately noticed how small and unimpressive he was except for a shock of white hair, mostly on the sides of his head. His attraction came from somewhere besides his looks. Then I noticed that there was no podium. He carried nothing in his hands, no notes of any kind. There was no TelePrompTer. The only prop anywhere to be found was an old school easel holding one of those giant flip pads of plain white paper. He began his talk by walking up to the easel and drawing a sail boat and a couple of swooping lines to indicate windy conditions. Then he stepped away and turned to all of us and spoke these words:

"It's not the blowing of the wind that matters, it's the setting of the sail."

Thus began an incredible fireside chat filled to the brim with the wisdom of the ages. This was a man with almost Godly gifts of story telling who stood alone and almost immobile at the front of a room filled with two thousand type A personalities without a single note and held us in the palm of his hand for the better part of two hours. It may sound a bit overwrought, but that speech changed my life. The things I learned that night have stayed with me. I used many of his insights to teach teenagers at my church for ten years. I have applied lessons learned there to my professional no personl life ever since I got back home. The funny thing was, even though I didn't take any notes, I remember almost everything he said. Some of the highlights:

Success is something you attract by the person you become.

If you really want to do something, you'll find a way. If you don't, you'll find an excuse.

Don't wish it were easier, wish you were better.

You are ultimately the average of the five people you spend the most time with.

No one else "makes us angry." We make ourselves angry when we surrender control of our attitude.

Stand guard at the door of your mind.

Failure is not a single, cataclysmic event. You don't fail overnight. Instead, failure is a few errors in judgement, repeated every day.

Things don't cost too much. You just can't afford them!

Be strong, but not rude; kind, but not weak; bold, but no bully; thoughtful, but not lazy; humble, but not timid; have humor, without folly.


He delivered all of this wisdom seemingly from memory while making it all seem like a spontaneous conversation with not a syllable rehearsed. Every so often he would go off in an odd direction almost like an aside to himself, like he was thinking out loud. One of the greatest such asides was when he was trying to make the point of how crucial education was to the creation of a well rounded person. Then this came out of his mouth:

You know what the worst thing in life would be? Waking up when you're forty years old and realizing that you're stupid. I mean, being broke is bad,  but stupid? That's the worst. Being broke AND stupid would be doubly bad...only thing that would make it worse would be if you were sick. Sick, broke and stupid. Awful! About as far as you can fall unless you're ugly. Ugly, sick, broke and stupid! Life's most negative scenario!!!

The hall was laughing hysterically and I'm not even sure he was trying to be funny. It was more like he was just talking to himself, trying to work it out. Regardless, it was a magical moment.

I was reminded the other day that Mr. Rohn had died a few years back. He was only 79, I was told. But, what a 79 years it was. He left a piece of himself inside everyone who ever heard him speak. I'm told he spoke to over 40 million people during his life. I was one of them on a hot and humid night in Atlanta twenty years ago. I still remember it, all these years later.

Words matter. Good words, fine words, uplifting, inspiring words matter eternally.

A Facebook Critique

I have been an active participant in the social experiment known as Facebook for a very long time now. I find it a fascinating place to interact with large numbers of people. It has allowed me to keep up with hundreds of old acquaintances who otherwise I would have long ago lost contact with. It has delivered a treasure trove of hilarious dog videos to my doorstep, costing me nothing. It has flooded me with a million memes, some hysterical, some simply stupid. It has exasperated me with the often ignorant political musings of people who have never once in their entire lives had to pay an employee and yet profess to know exactly what the minimum wage should be. But hey...that's what Facebook is for, the uninhibited flowering of opinion. Asking those opinions to be informed is asking the impossible. So, I take the bitter with the sweet. For the most part, I thoroughly enjoy my daily excursions onto Mark Zuckerberg's playground.

Having said all of that, there are a few irritants which must be dealt with. Although what irritates me might not irritate you, diversity of irritation being the spice of life and all. But here goes...

The biggest problem with Facebook is that far too many people suffer from the flawed impression that large numbers of people actually give a flying *€#<?! about:

1. What you had for breakfast
2. How tired you are of this bad weather
3. What you had for lunch
4. The fact that you just "checked in" at the Waldorf, Maryland Jiffy Lube
5. What you had for dinner

But, even more annoying than these staples is the dreaded Type "Amen" if you agree declarations that usually come with some sappy picture of a white clapboard country church. Saints preserve us!

Then, the worst of all, and we all have them...that friend starving for affirmation who begins some long screed with the threat, "I'm about to find out who my real friends are," then lays out his or her crisis with the demand that if we are really their friend we will copy and paste said screed onto our  Facebook wall as tribute. Thanks, but there's enough self-absorption run amok in this world without me spreading yours around. Emotional blackmail is no less annoying just because it comes with cute emojis via the internet. Think I'll pass.

But, hey, keep those awesome puppy videos coming, people!!