A merry miscellany from JD:
Friday, October 28, 2016
Wednesday, October 26, 2016
The Democrats won’t raise taxes on the middle class—don’t believe it
Our new contributor Jim in San Marcos says:
Just how true is the statement that the taxes for the middle class will not be raised? —They will only tax the rich? Believe that and buy the Brooklyn bridge while you're at it.
If you examine your pay check stub, you will see the full amount paid to you with the Federal and state taxes deducted. Notice that there are other deductions, that are called payroll taxes for Social Security and Medicare. Technically you get them back some time way in the future, so they are not really taxes. The employee pays 6.2 percent Social Security tax and also a 1.45 percent Medicare tax which add up to a total of 7.65 percent. And naturally your employer matches those amounts. In reality, the employee pays the full 14.3 percent: the employer anticipates this as part of your salary before he even hires you.
It sounds great that the employer pays half, but if you think about it, wages are a business expense. When you look at your paystub, you see Social Security and Medicare deductions at 7.65 percent. You’d look at your paystub a little different if it reflected 14.3 percent in payroll deductions.
If the administration decides to raise Social Security and Medicare rates, they can do it and this is not considered raising your taxes. It is only deducted from the first 127K of earnings. I would guess that people earning more than 127K a year have progressed beyond the middle class.
So if you are like me, with all of my 401k deductions to reduce my taxes, I still get hit with 20% income tax. Add on to that the 14.3 percent for SS and Medicare, and we arrive at about 35 percent of my paycheck is eaten up by government deductions and income tax.
Let’s throw in some health insurance, my employer contributes $11,000 a year and I contribute $5,000. I’m not even sick and if I was to get coverage privately, it would be rather pricey. Now if your employer doesn’t offer insurance, guess what? You now have to purchase it on your own, by law. Ask yourself one question: are health insurance premiums in the private sector based on how much you earn, or are they the same for everyone? And the government has a plan for you called Obamacare. If you are too poor to afford insurance, you get full coverage. If you make some decent wages, you can only afford the plans with the high deductible that render them worthless.
Now a couple of weeks before the election, the state insurance boards are announcing new increases in rates for insurers in the following states because of Obamacare. Here are a few of them; Tennessee: 44% to 62%, Pennsylvania: 33%, Oklahoma: 76%, Nebraska: 35%, Minnesota: 50% to 67%, Illinois: 44%, Georgia: 32%, Alabama: 36%, Colorado: 20% and Iowa: 43%.
So let me get this straight, employers don’t have to pay health insurance for workers working under 30 hours. And by God they deserve $15 dollars and hour. So, you end up working two jobs to get 40 hours and are forced to purchase government health care insurance at your own expense.
How do you raise taxes on the middle class when you move them to a lower class? Donald Trump can end some of this misdirection on the middle class by getting rid of Obamacare. Raising the minimum wage just insures that corporations move overseas. The minimum wage has never been a wage to elevate people above the poverty level; it has been an entry level wage for employers to train new employees.
Where to from here? I hope we end up with Donald Trump as President. He isn’t a politician, and this is what has Washington DC worried. IMHO he is what the country needs to get back into the groove of being a major power. Obama was nothing more than a tourist with an unlimited expense account for visiting foreign countries. The era of “Obama the tourist” needs to be retired.
Jim's Note:
Normally this blog doesn't take political positions and I don't apologize for not being politically correct. But I feel it necessary to take a stand. The news organizations of this country have selectively decided to hide "The Great Depression" that we are in, and sugar coat the present economic conditions to sway the election.
Just how true is the statement that the taxes for the middle class will not be raised? —They will only tax the rich? Believe that and buy the Brooklyn bridge while you're at it.
If you examine your pay check stub, you will see the full amount paid to you with the Federal and state taxes deducted. Notice that there are other deductions, that are called payroll taxes for Social Security and Medicare. Technically you get them back some time way in the future, so they are not really taxes. The employee pays 6.2 percent Social Security tax and also a 1.45 percent Medicare tax which add up to a total of 7.65 percent. And naturally your employer matches those amounts. In reality, the employee pays the full 14.3 percent: the employer anticipates this as part of your salary before he even hires you.
It sounds great that the employer pays half, but if you think about it, wages are a business expense. When you look at your paystub, you see Social Security and Medicare deductions at 7.65 percent. You’d look at your paystub a little different if it reflected 14.3 percent in payroll deductions.
If the administration decides to raise Social Security and Medicare rates, they can do it and this is not considered raising your taxes. It is only deducted from the first 127K of earnings. I would guess that people earning more than 127K a year have progressed beyond the middle class.
So if you are like me, with all of my 401k deductions to reduce my taxes, I still get hit with 20% income tax. Add on to that the 14.3 percent for SS and Medicare, and we arrive at about 35 percent of my paycheck is eaten up by government deductions and income tax.
Let’s throw in some health insurance, my employer contributes $11,000 a year and I contribute $5,000. I’m not even sick and if I was to get coverage privately, it would be rather pricey. Now if your employer doesn’t offer insurance, guess what? You now have to purchase it on your own, by law. Ask yourself one question: are health insurance premiums in the private sector based on how much you earn, or are they the same for everyone? And the government has a plan for you called Obamacare. If you are too poor to afford insurance, you get full coverage. If you make some decent wages, you can only afford the plans with the high deductible that render them worthless.
Now a couple of weeks before the election, the state insurance boards are announcing new increases in rates for insurers in the following states because of Obamacare. Here are a few of them; Tennessee: 44% to 62%, Pennsylvania: 33%, Oklahoma: 76%, Nebraska: 35%, Minnesota: 50% to 67%, Illinois: 44%, Georgia: 32%, Alabama: 36%, Colorado: 20% and Iowa: 43%.
So let me get this straight, employers don’t have to pay health insurance for workers working under 30 hours. And by God they deserve $15 dollars and hour. So, you end up working two jobs to get 40 hours and are forced to purchase government health care insurance at your own expense.
How do you raise taxes on the middle class when you move them to a lower class? Donald Trump can end some of this misdirection on the middle class by getting rid of Obamacare. Raising the minimum wage just insures that corporations move overseas. The minimum wage has never been a wage to elevate people above the poverty level; it has been an entry level wage for employers to train new employees.
Where to from here? I hope we end up with Donald Trump as President. He isn’t a politician, and this is what has Washington DC worried. IMHO he is what the country needs to get back into the groove of being a major power. Obama was nothing more than a tourist with an unlimited expense account for visiting foreign countries. The era of “Obama the tourist” needs to be retired.
Jim's Note:
Normally this blog doesn't take political positions and I don't apologize for not being politically correct. But I feel it necessary to take a stand. The news organizations of this country have selectively decided to hide "The Great Depression" that we are in, and sugar coat the present economic conditions to sway the election.
Friday, October 21, 2016
Friday Night Is Music Night: A Look At Luka
JD's latest Friday selection...
Luka Bloom is the younger brother of Christy Moore and is, in my view, every bit as good as his more famous sibling.
Here is a selection from his excellent back catalogue, the first one featuring Sinéad O’Connor-
And two songs with his brother-
Luka Bloom is the younger brother of Christy Moore and is, in my view, every bit as good as his more famous sibling.
Here is a selection from his excellent back catalogue, the first one featuring Sinéad O’Connor-
And two songs with his brother-
Wednesday, October 19, 2016
Drownded on Titanic
Part of a gravestone at St Mary's church, Tissington. It records the death of Frank Richard Allsop aged 43, a saloon steward on the Titanic.
Mr Frank Richard Allsop, 43, came from Devon England. When he signed onto the Titanic he gave his address as Obelisk Rd, Southampton (elsewhere recorded as Woolston, Hampshire). His sister, Mrs H. McLaren was a stewardess on the ship.
Sunday, October 16, 2016
Three art teachers
JD' offers this tribute to those who educated him in art:
The gentleman in the video is Harvey Sklair (talking to his nephew) and you can see a few of his paintings on the walls. He was the art teacher at my school and I have never forgotten him even though it was 60 years ago. And here is his potted biography and it sounds about right, matching my recollection of him -
http://beckenhamschoolart.org/News/harvey-ivor-sklair-1928-2013
I had been meaning to do this for a while so today I put the name Harvey Sklair into Google and there he was! It is such an unusual name that I felt sure that the all seeing eye of the Google would find him. He was my art teacher in my first two years at grammar school. I've never forgotten him because he was completely different from all the other teachers. He had a large beard and wore a corduroy jacket or a leather jacket. But it wasn't just his appearance that set him apart from the other teachers.
He didn't 'teach' us, he encouraged us to find inspiration within ourselves although I couldn't articulate it in that way at the time. He coaxed the ideas out of us and guided us in the right direction. And that is what education is or should be about. According to the OED the word 'education' is derived from the Latin "e-ducere" meaning to "pull out" or "to lead forth" - http://educare.org/
Rather than fill our little heads with information, he would encourage us to do things. I can remember, among other things, making lino-cut prints by carving line drawings into lino, (all those very sharp cutting tools! - horror of horrors! Would that be allowed today?), making papier mache models and painting them, making a copy of Magritte's Empire of Light, which Magritte had painted only two years before I copied it!. And there were many other similar projects and new ideas. But then he left and in the third year art had to be dropped; that is to say, art was one of the 'fringe' subjects and deemed to be of lesser importance than more 'academic' subjects. We were allowed one 'fringe' subject only so it was a choice between art, music, woodwork and something else. I chose woodwork because I thought it might be more useful - I still have the bedside table I made. (More horror of horrors - we were allowed to use a lathe, carving round table legs. Again, would that sort of thing be allowed today?)
So Harvey Sklair left a very strong impression on me and, I suspect, on all who were taught by him. As I recall there were more than few at my school who produced some really inventive and skilled works of art.
And then the real world intervened and I went off to earn a living and it was many years later that I returned to 'art school' in the form of part time drawing and painting classes run locally.
Firstly with a regular visit to the DLI Museum in Durham where the teacher was Linda Birch who was and still is a professional artist and illustrator. She produced, among other things, the designs for Oliver Postgate's "Bagpuss" and "The Clangers" You can read more about her here-
http://www.gazettelive.co.uk/whats-on/find-things-to-do/linda-birch-bowes-museum-3669767
Then I used to go to one of the attic rooms in the Laing Art Gallery where Cheryl Hamer was running a painting class. Again, a professional painter who has a painting in the Laing although I cannot find any reproductions of it. This is as close as I can get- http://artuk.org/discover/artists/hamer-cheryl-b-1952
I have been very fortunate in having had three very good teachers of art and I have absorbed a great deal from each of them for which I am very grateful. Whether I live up to their standards or not is debatable but that is not the point. The end product, i.e. the painting, is not important, it is the process which matters. To become fully absorbed in the act of painting, forgetting all else, is an act of prayer a meditation. During those few moments of intense concentration the painter becomes the painting, the painting IS the painter, merged into one.
That way sound a bit airy-fairy or just plain silly but it is a reality. I have tried to explain it elsewhere a few years ago- "I was drawing a picture of a vase of daffodils. My subconscious took over completely to the point where the class tutor (Linda Birch) said she was going to demonstrate some technique and I wanted to get up and watch but I couldn’t move, so ‘locked-in’ was I in the process of looking at and drawing the subject before me. That was a very weird experience and it has me searching for some way of explaining it." http://www.nourishingobscurity.com/2012/03/some-thoughts-on-epilepsy/
Did I learn anything? Yes! Did it do me any good as a painter? I don't know - http://www.nourishingobscurity.com/jd/jds-art/
Just a little chapter on my long journey (meander?) through life.
The gentleman in the video is Harvey Sklair (talking to his nephew) and you can see a few of his paintings on the walls. He was the art teacher at my school and I have never forgotten him even though it was 60 years ago. And here is his potted biography and it sounds about right, matching my recollection of him -
http://beckenhamschoolart.org/News/harvey-ivor-sklair-1928-2013
I had been meaning to do this for a while so today I put the name Harvey Sklair into Google and there he was! It is such an unusual name that I felt sure that the all seeing eye of the Google would find him. He was my art teacher in my first two years at grammar school. I've never forgotten him because he was completely different from all the other teachers. He had a large beard and wore a corduroy jacket or a leather jacket. But it wasn't just his appearance that set him apart from the other teachers.
He didn't 'teach' us, he encouraged us to find inspiration within ourselves although I couldn't articulate it in that way at the time. He coaxed the ideas out of us and guided us in the right direction. And that is what education is or should be about. According to the OED the word 'education' is derived from the Latin "e-ducere" meaning to "pull out" or "to lead forth" - http://educare.org/
Rather than fill our little heads with information, he would encourage us to do things. I can remember, among other things, making lino-cut prints by carving line drawings into lino, (all those very sharp cutting tools! - horror of horrors! Would that be allowed today?), making papier mache models and painting them, making a copy of Magritte's Empire of Light, which Magritte had painted only two years before I copied it!. And there were many other similar projects and new ideas. But then he left and in the third year art had to be dropped; that is to say, art was one of the 'fringe' subjects and deemed to be of lesser importance than more 'academic' subjects. We were allowed one 'fringe' subject only so it was a choice between art, music, woodwork and something else. I chose woodwork because I thought it might be more useful - I still have the bedside table I made. (More horror of horrors - we were allowed to use a lathe, carving round table legs. Again, would that sort of thing be allowed today?)
So Harvey Sklair left a very strong impression on me and, I suspect, on all who were taught by him. As I recall there were more than few at my school who produced some really inventive and skilled works of art.
And then the real world intervened and I went off to earn a living and it was many years later that I returned to 'art school' in the form of part time drawing and painting classes run locally.
Firstly with a regular visit to the DLI Museum in Durham where the teacher was Linda Birch who was and still is a professional artist and illustrator. She produced, among other things, the designs for Oliver Postgate's "Bagpuss" and "The Clangers" You can read more about her here-
http://www.gazettelive.co.uk/whats-on/find-things-to-do/linda-birch-bowes-museum-3669767
Then I used to go to one of the attic rooms in the Laing Art Gallery where Cheryl Hamer was running a painting class. Again, a professional painter who has a painting in the Laing although I cannot find any reproductions of it. This is as close as I can get- http://artuk.org/discover/artists/hamer-cheryl-b-1952
I have been very fortunate in having had three very good teachers of art and I have absorbed a great deal from each of them for which I am very grateful. Whether I live up to their standards or not is debatable but that is not the point. The end product, i.e. the painting, is not important, it is the process which matters. To become fully absorbed in the act of painting, forgetting all else, is an act of prayer a meditation. During those few moments of intense concentration the painter becomes the painting, the painting IS the painter, merged into one.
That way sound a bit airy-fairy or just plain silly but it is a reality. I have tried to explain it elsewhere a few years ago- "I was drawing a picture of a vase of daffodils. My subconscious took over completely to the point where the class tutor (Linda Birch) said she was going to demonstrate some technique and I wanted to get up and watch but I couldn’t move, so ‘locked-in’ was I in the process of looking at and drawing the subject before me. That was a very weird experience and it has me searching for some way of explaining it." http://www.nourishingobscurity.com/2012/03/some-thoughts-on-epilepsy/
Did I learn anything? Yes! Did it do me any good as a painter? I don't know - http://www.nourishingobscurity.com/jd/jds-art/
Just a little chapter on my long journey (meander?) through life.
Saturday, October 15, 2016
Our national shame
New Labour in its pomp was guided by the likes of Peter Mandelson, now (like so many) a bought-and-paid-for EUrocrat. Here he is with some other Brits, simpering in the presence of billionaire Oleg Deripaska. They are almost clutching themselves with excitement.
They may kiss Deripaska's bottom, but President Putin doesn't:
The video is a treat - watch Deripaska lie about having signed an agreement, be effortlessly called on it and called up front, then like a sulky schoolboy try to take the pen with him, only to be schoolmastered by the President.
Where do we Westerners have politicians who can do that?
Now it may well be that Mr Putin is not a nice man. But remember Churchill's saying, "The Hun is always either at your throat or at your feet." To dominate a pack of wolves you have to be a wolf. Has Putin enriched himself? He would probably not be taken seriously by his lupine underlings if he hadn't. But do you doubt that he works for Russian national interests, as well as his own?
This week's Private Eye - a formerly independent magazine that now appears to have taken editorial "lines" on e.g. Brexit and Jeremy Corbyn - features on its front page paired photographs of US President Obama and Presidential candidate Trump, dubbed "HOPE" and "GROPE" respectively. This tempts us to ask, what became of the hope represented by Obama - and by Bill Clinton?
Yes, the American econo-political machine has its own juggernaut course, just like the British one. Yet remember Kennedy and FDR: there is a period at the start of incumbency, especially when the nation is in crisis, when a new leader could potentially cut free of his handlers and appeal direct to the people to support significant reforms.
In 2009 I (along with millions of others) hoped that President Obama might sort out the crooked financial establishment; instead, it has sorted us out. And as for President Clinton, doubtless Congress and the Senate threw various spanners in his designs, but why exactly did he feel he had to repeal Glass-Steagall as one of his final acts before leaving office? I also hear that he earlier instituted welfare reforms that made life much harder for many vulnerable people; are there not times when the President can refuse to sign?
As with the EU referendum, in America Presidential election campaigns encourage both halves of the nation to hate and despise each other, and then we wonder why the people are not happy. And it's all Punch and Judy. "Grope," indeed. The bien-pensant media tell us what to think, and how to vote, and if we don't do as we're told there's an endless post-vote campaign to tell us we were wrong. But the big problems are not sorted.
I never thought we'd have anything to learn from the Russians.
They may kiss Deripaska's bottom, but President Putin doesn't:
The video is a treat - watch Deripaska lie about having signed an agreement, be effortlessly called on it and called up front, then like a sulky schoolboy try to take the pen with him, only to be schoolmastered by the President.
Where do we Westerners have politicians who can do that?
Now it may well be that Mr Putin is not a nice man. But remember Churchill's saying, "The Hun is always either at your throat or at your feet." To dominate a pack of wolves you have to be a wolf. Has Putin enriched himself? He would probably not be taken seriously by his lupine underlings if he hadn't. But do you doubt that he works for Russian national interests, as well as his own?
This week's Private Eye - a formerly independent magazine that now appears to have taken editorial "lines" on e.g. Brexit and Jeremy Corbyn - features on its front page paired photographs of US President Obama and Presidential candidate Trump, dubbed "HOPE" and "GROPE" respectively. This tempts us to ask, what became of the hope represented by Obama - and by Bill Clinton?
Yes, the American econo-political machine has its own juggernaut course, just like the British one. Yet remember Kennedy and FDR: there is a period at the start of incumbency, especially when the nation is in crisis, when a new leader could potentially cut free of his handlers and appeal direct to the people to support significant reforms.
In 2009 I (along with millions of others) hoped that President Obama might sort out the crooked financial establishment; instead, it has sorted us out. And as for President Clinton, doubtless Congress and the Senate threw various spanners in his designs, but why exactly did he feel he had to repeal Glass-Steagall as one of his final acts before leaving office? I also hear that he earlier instituted welfare reforms that made life much harder for many vulnerable people; are there not times when the President can refuse to sign?
As with the EU referendum, in America Presidential election campaigns encourage both halves of the nation to hate and despise each other, and then we wonder why the people are not happy. And it's all Punch and Judy. "Grope," indeed. The bien-pensant media tell us what to think, and how to vote, and if we don't do as we're told there's an endless post-vote campaign to tell us we were wrong. But the big problems are not sorted.
I never thought we'd have anything to learn from the Russians.
Friday, October 14, 2016
Friday Night Is Music Night: Prime Numbers
JD has put together "A miscellaneous collection of 'misfits'; by which I mean musicians who defy categorisation, which is why I love them!"
Slim Gaillard:
Louis Prima:
Willie Dixon:
George Melly:
Marion Harris:
Cab Calloway:
Slim Gaillard:
Louis Prima:
Willie Dixon:
George Melly:
Marion Harris:
Cab Calloway:
Subscribe to:
Posts (Atom)