See the Print Version

What If All Times Are Crazy Times?
Does The Battle Against Crazy Ever End?
Have You Given Up On The Fight?

Will 2022 Be Our Best Year Ever? Why Not? Is America Over?

Over? Did you say “over”? Nothing is over until we decide it is! Was it over when the Germans bombed Pearl Harbor? Hell no!
Where’s the spirit? Where’s the guts, huh? “Ooh, we’re afraid to go with you Bluto, we might get in trouble.” Well just kiss my ass from now on! Not me! I’m not gonna take this.
—Bluto Blutarsky, Animal House, 1978

I’m as mad as hell and I’m not going to take this anymore!
—Howard Beale, Network, 1978

We’re not gonna take it No, we ain’t gonna take it
We’re not gonna take it anymore
—Twisted Sister, We’re Not Gonna Take It, 1984

When the going gets tough, the tough get going! Why accept their judgment? Have they demonstrated competence? Do they show kindness? Class? Intelligence? Is it really up to “them”? Are you against middle class values of thrift, charity, authentic generosity? Should we give up without a fight? It is a free country. You choose.

Remember when you were younger? There was always one obnoxious kid who tried to boss everyone else around. The question for that kid was: “who died and left you king? [or queen?]” Seems like those kids all went to Harvard, got fancy degrees, and have not changed a bit. Can’t leave well enough alone. Can’t shut up. Always talking. Always ruining everything for everyone else. Isn’t it time to ask: who died and left you in charge? Cause it certainly wasn’t us!

Is now a bad time to make good changes? Is it a ridiculous idea to think we can take our country back and joyfully continue the work of keeping the American promise for everyone? Are you against peace, love and understanding? Have we given up on the ideas of Thomas Jefferson and Martin Luther King, Jr.? Have we given up?

Look At Our Leaders… It Seems Like The Inmates Have Taken Over The Asylum

Do you wonder why our politicians prey ruthlessly on our divisions? Do they all hate America? Why? Why the gleeful, self-satisfied, smug rush to embrace every crackpot idea that “proves” America is, and has always been, evil? What psychological diagnosis is there for people who abandon self-respect for self-hate? Were they unloved or over- indulged? Who told them they were so precious? Who saved them from real work, blisters, sweat, fatigue? Why did they never learn to build? Why do they rejoice in destruction? How does other folks’ suffering make them feel better? Where did they come from?

Is this all Doctor Spock’s fault?

Actions have consequences. Eliminate low-wage substitutes for American workers. Surprise! More Americans are working than ever. Flood the country with low-wage substitutes for American workers. Amazing! Labor force participation plummets to new lows. Inflate the money supply by trillions of cheap dollars. Shock! Prices for everything skyrocket. Pay people more money to stay home than to work. Astounding! People stay home instead of work. Cowardly retreat from honorable commitments. Incredible! Other countries now think we are dishonorable cowards. And act accordingly. Set up a super- secret laboratory in a busy city to research disease viruses moving from animals to humans. Unexpected! An outbreak of disease viruses moving from animals to humans in that same busy city. There are none so blind as they who will not see.

Are You Qualified To Be An Elite Leader In 2022?

Take Our 3-Question Quiz!

1. Some kids get lousy grades. Those kids feel bad about their lousy grades. How do we make the kids feel better?
A. Help and support parents help their kids do the homework so they get better grades.
B. Hire more staff to tutor the kids to get better grades.
C. Encourage the kids who get good grades to help the other kids to get better grades.
D. Eliminate grades. Give everybody an “A+++”.

If you answered A, B, or C, you are a horrible and uncaring person.
If you answered D, you must be a highly- paid consultant. Brilliant!

2. There are no questions 2 and 3. We don’t do math so good. But our self- esteem is top notch!

Nothing New Under The Sun

An American statesman recently proclaimed:
[I]n addition to honesty, we need sanity. [T]he wild preachers of unrest and discontent, the wild agitators against the entire existing order, the men who act crookedly, whether because of sinister design or from mere puzzleheadedness, the men who preach destruction without proposing any substitute for what they intend to destroy, or who propose a substitute which would be far worse than the existing evils—all these men are the most dangerous opponents of real reform. If they get their way, they will lead the people into a deeper pit than any into which they could fall under the present system. If they fail to get their way, they will still do incalculable harm by provoking the kind of reaction which, in its revolt against the senseless evil of their teaching, would enthrone more securely than ever the very evils which their misguided followers believe they are attacking.

Who was this brave, courageous commentator? Who would dare to point out the insanity of those “wild preachers of unrest and discontent”? Surely, he will be banned from Twitter, Facebook, and all other modern forms of communication. Who are the people that “act crookedly” and “preach destruction”? Hiding their faces with black masks, they “propose a substitute which would be far worse than the existing evils…” “do[ing] incalculable harm.”

So, who was it that braved the cancel culture to tell the truth?

It was Theodore Roosevelt, president of the United States, on April 14, 1906. One hundred and fifteen years ago. Did Teddy Roosevelt solve the problem of destructive, insane, dishonest “wild agitators”? No.

There is no final victory. With other good- hearted Americans, Teddy fought the battle of his day, one hundred and fifteen years ago. Our beloved land has seen these sorts of folks before. We have confronted them. We have beaten them. Again and again. But like the shingles virus, they hide. Then they come back like a painful rash. Biding their time. Persistent. Waiting. Sneaky. When we least expect it. Bang! We cannot let them win.

Fight The Good Fight Ignore The Peanut Gallery

It is not the critic who counts; not the man who points out how the strong man stumbles, or where the doer of deeds could have done them better. The credit belongs to the man who is actually in the arena, whose face is marred by dust and sweat and blood; who strives valiantly; who errs, who comes short again and again, because there is no effort without error and shortcoming; but who does actually strive to do the deeds; who knows great enthusiasms, the great devotions; who spends himself in a worthy cause; who at the best knows in the end the triumph of high achievement, and who at the worst, if he fails, at least fails while daring greatly, so that his place shall never be with those cold and timid souls who neither know victory nor defeat.

Theodore Roosevelt, April 23, 1910

Middle-class folks, regular people, ordinary Americans. You show up every day. You do the right thing. You work hard. You are grateful for blessings. You endure suffering. You see the job through to the end. Satisfaction does not come from false claims of historical persecution. Contentment is recognition of difficult work done well. Without complaining. Without victimhood. With charity for all and malice towards none.

We live in complicated times. Government has grown far beyond any monstrosity Teddy Roosevelt could have dreamt in his most horrifying nightmares. This is our challenge. We cannot fight it with blood, sweat and tears alone. We must win on the playing field we did not choose. We must use the legal tools that are available to everyone. Have you given up on winning?

Will We Let Them Destroy The Middle-Class?

Most folks want to live and enjoy life. Do you want to go broke? Do you aspire to obscene wealth? Is it ridiculous to think that you could work and save, living frugally but comfortably? Are you against passing on some of your surplus to the next generation?

How can you convince younger people today, that it is worthwhile to work and save? So much seems to be immediate gratification. Fortunes are made professing victimhood. More fortunes are made blaming other people. Still more fortunes are made by merely threatening to accuse innocent people of being the bad people. How can you convince the young that the easy path is not the best path?

As John F. Kennedy once said, “We do these things not because they are easy, but because they are hard.”

Perhaps actions speak louder than words. Would you be viewed as a success if you died a victim of nursing home poverty? If your lifetime of work and savings were gone in a matter of months? If you had no ability to help your loved ones? Or yourself?

LifePlanning™ Preserves, Protects

Can middle-class people afford skilled nursing care at $10,000 to $15,000 per month? Should middle-class taxpayers pay more taxes, so others do not have to work? Is it unfair for middle-class Americans to expect some sort of safety net from all the tax dollars they have paid? Is it wrong for working people to choose a higher level of care over a night gambling at the casino?

Middle-class workers go broke every day through long-term care bills. Others, who did not save, get services without charge. Middle-class folks do not begrudge the less well-off the care that they need. But why can’t middle-class folks get the same deal? Why do they have to bankrupt themselves? And their families. And sacrifice generations of patient, pay-it- forward toil?

Is it possible for you to enjoy the peace of mind and security you have earned? Does government make it easy? Are you against finding out how to benefit yourself, your spouse, your family?

It is your choice. Poverty is not inevitable. Your decision.
No Poverty. No Charity. No Waste. It is not chance. It is choice. Your choice.

Get Information Now. 800-317-2812

The team at Carrier Law is showing our gratitude this year to the families we serve. For the second year in a row, families were served hot cocoa and individually wrapped decorated sugar cookies as they drove up to our office. What a festive way to say ‘Thank You’ and spread holiday cheer!

carrier law team members meet guests at their car to give them cookies and cocoa carrier law team members meet guests at their car to give them cookies and cocoa at the 2021 event elderly couple receives cookies and hot chocolate at the david carrier cookie and cocoa drive-by greg van deusen hands out treats during the cookie and cocoa drive-by attorney jim henke helps pass out cookies and hot chocolate team members of carrier law show their holiday spirit during the cookie and cocoa drive-by carrier law team members greet visitors during the cookie and cocoa drive-by on december 17, 2021 carrier law team members prepare treats for the cookie and cocoa drive-by carrier law team members dressed in reindeer antlers team member pouring hot chocolate during the december 17 event carrier law team members having fun during the cookie and cocoa drive-by david's classic car on display during the cookie and cocoa drive-by event attorney greg vandeusen greets guests during the cookie and cocoa drive-by attorney clare clary wears a fun christmas tree hat during the cookie and cocoa drive-by event visitors arrive at the offices of david l. carrier for the cookie and cocoa drive-by david carrier team members greet guests during the cookie and cocoa drive-by

Panelists: Ebenezer Scrooge, Robert “Bob” Cratchit, Fred (Nephew Of Scrooge), Jacob Marley (Ghost Of), Cast Of Thousands

Special Guests: Spirits Of Christmas Past, Present & Future

Is A Focus Group Possible Without Experts?
Introducing The Authorities

Ebenezer Scrooge: “[A] tight- fisted hand at the grindstone, Scrooge! a squeezing, wrenching, grasping, scraping, clutching, covetous, old sinner! Hard and sharp as flint…; secret, and self-contained, and solitary as an oyster.”

Jacob Marley’s Ghost: “[P]igtail, usual waistcoat, tights and boots; the tassels on the latter bristling, like his pigtail… The chain he drew was clasped about his middle. It was long, and wound about him like a tail; and it was made… of cash-boxes, keys, padlocks, ledgers, deeds, and heavy purses wrought in steel. His body was transparent; so that Scrooge, observing him, and looking through his waistcoat, could see the two buttons on his coat behind.”

Robert “Bob” Cratchit: “[L]ittle Bob, the father, with at least three feet of comforter exclusive of the fringe, hanging down before him; and his threadbare clothes darned up and brushed…”

Fred (The Nephew): “[W]ith rapid walking in the fog and frost, this nephew of Scrooge’s… was all in a glow; his face was ruddy and handsome; his eyes sparkled, and his breath smoked again.” “[T]here is nothing in the world so irresistibly contagious as laughter and good- humour. …Scrooge’s nephew laughed in this way…”

Christmas Past, Spirit of: “[A] strange figure—like a child: yet not so like a child as like an old man… It wore a tunic of the purest white… It held a branch of fresh green holly in its hand; and… had its dress trimmed with summer flowers. But the strangest thing about it was, that from the crown of its head there sprung a bright clear jet of light, by which all this was visible[.]

Christmas Present, Ghost of: “[A] jolly Giant, glorious to see; who bore a glowing torch…” “[C]lothed in one simple green robe…, bordered with white fur. This garment hung so loosely on the figure, that its capacious breast was bare… Its feet were also bare; and on its head
it wore no other covering than a holly wreath, set here and there with shining icicles. Its dark
brown curls were long and free; free as its genial face, its sparkling eye, its open hand, its cheery voice, its unconstrained demeanour, and its joyful air.”

Christmas Yet to Come, Phantom of: “[S]hrouded in a deep black garment, which concealed its head, its face, its form, and left nothing of it visible save one outstretched hand. But for this it would have been difficult to detach its figure from the night and separate it from the darkness by which it was surrounded.”

Convenient Contributors: Portly Gentlemen, Mr. & Mrs. Fezziwig, Mrs. Cratchit, Tiny Tim, Fred’s wife.

Is It Such A Ridiculous Idea That At Christmastime We Could Find Kindness For One Another And Joy In Our Hearts?

Scrooge: “Bah!” … “Humbug!”
Fred: “Christmas a humbug, uncle!” … “You don’t mean that, I am sure?”
Scrooge: “I do,” … “Merry Christmas! What right have you to be merry? What reason have you to be merry? You’re poor enough.”
Fred: “Come, then… What right have you to be dismal? What reason have you to be morose? You’re rich enough.”
Scrooge: “Bah!” … “Humbug.”
Portly Gentleman: “[A] few of us are endeavoring to raise a fund to buy the Poor some meat and drink and means of warmth. We choose this time, because it is a time, of all others, when Want is keenly felt, and Abundance rejoices.”
Scrooge: “If I could work my will,” … “every idiot who goes about with ‘Merry Christmas’ on his lips, should be boiled with his own pudding, and buried with a stake of holly through his heart. He should!”
Fred: “I am sorry, with all my heart, to find you so resolute. So, A Merry Christmas, uncle!” Marley’s
Ghost: “At this time of the rolling year, I suffer most. Why did I walk through crowds of fellow-beings with my eyes turned down, and never raise them to that blessed Star which led the Wise Men to a poor abode!
Were there no poor homes to which its light would have conducted me!”
Scrooge: “[K]eep Christmas in your own way and let me keep it in mine.”
Spirit of Past: “These are but shadows of the things that have been.” “They have no
consciousness of us.”
Fezziwig: “Yo ho, my boys! No more work to-night. Christmas Eve, Dick. Christmas, Ebenezer! Let’s have the shutters up, before a man can say Jack Robinson!”
Spirit of Past: “A small matter, to make these silly folks so full of gratitude.”
Ghost of Present: “You have never seen the like of me before!”
Scrooge: “Never.” “I am afraid I have not. Have you had many brothers, Spirit?”
Ghost of Present: “More than eighteen hundred.”
Scrooge: “A tremendous family to provide for!” “Merry Christmas! Out upon merry Christmas! What’s Christmas time to you but a time for paying bills without money; a time for finding yourself a year older, but not an hour richer; a time for balancing your books and having every item in ’em through a round dozen of months presented dead against you?”
Fred: “But I am sure I have always thought of Christmas time as a good time; a kind, forgiving, charitable, pleasant time; the only time I know of when men and women seem to open their shut-up hearts freely. And therefore, uncle, though it has never put a scrap of gold or silver in my pocket, I believe that it has done me good, and will do me good; and I say, God bless it!”
Tiny Tim: “God bless Us, Every One!”

Do You Reject The Idea, Actions Have Consequences?

Marley’s Ghost: “Man of the worldly mind! Do you believe in me or not?”
Scrooge: “I must. But why do spirits walk the earth, and why do they come to me?”
Marley’s Ghost: “It is required of every man, that the spirit within him should walk abroad among his fellowmen and travel far and wide; and if that spirit goes not forth in life, it is condemned to do so after death. It is doomed to wander through the world—oh, woe is me! —and witness what it cannot share, but might have shared on earth, and turned to happiness!”
Scrooge: “Spirit, tell me if Tiny Tim will live.” Ghost of Present: “I see a vacant seat in the poor chimney-corner, and a crutch without an owner, carefully preserved. If these shadows remain unaltered by the Future, the child will die.” Scrooge: “No, no, Oh, no, kind Spirit! say he will be spared.”
Ghost of Present: “What then? If he be like to die, he had better do it, and decrease the surplus population.”
Scrooge: “Men’s courses will foreshadow certain ends, to which, if persevered in, they must lead, but if the courses be departed from, the ends will change. Say it is thus with what you show me!”
Phantom of Future: The finger pointed from the grave to him, and back again.
Scrooge: “Spirit! Hear me! I am not the man I was. I will not be the man I must have been but for this intercourse. Why show me this if I am past all hope!”

Should You Only Bless Those Who Bless You First?

Bob Cratchit: “I’ll give you Mr. Scrooge, the Founder of the Feast!”
Mrs. Cratchit: “The Founder of the Feast indeed! It should be Christmas Day, I am sure, on which one drinks the health of such an odious, stingy, hard, unfeeling man as Mr. Scrooge.”
Bob Cratchit: “My dear, Christmas Day.”
Mrs. Cratchit: “I’ll drink his health for your sake and the Day’s, not for his. Long life to him! A merry Christmas and a happy new year!”
Fred: “Here is a glass of mulled wine ready to our hand; and I say, ‘Uncle Scrooge!’ A Merry Christmas and a Happy New Year to the old man, whatever he is! He wouldn’t take it from me, but may he have it, nevertheless. Uncle Scrooge!”
Everyone: “Well! Uncle Scrooge!”

Is Anyone Beyond Redemption? If A Scrooge Can Be Saved Can Anyone Be Doomed?

Scrooge: “I will live in the Past, the Present, and the Future! The Spirits of all Three shall strive within me. Oh Jacob Marley! Heaven, and the Christmas Time be praised for this! I say it on my knees, old Jacob; on my knees! A merry Christmas to everybody! A happy New Year to all the world.”

Scrooge was better than his word. He did it all, and infinitely more; and to Tiny Tim, who did not die, he was a second father. He became as good a friend, as good a master, and as good a man, as the good old city knew, or any other good old city, in the good old world. And it was always said of him, that he knew how to keep Christmas well, if any man alive possessed the knowledge. May that be truly said of us, and all of us! And so, as Tiny Tim observed, God bless Us, Every One!

No Poverty. No Charity. No Waste.
It is not chance. It is choice. Your choice.

Get Information Now. (800) 317-2812

Happy Now?

Pleased By Punishing Prices? Gratified By Groveling To Grandees? Have You Given Up On The Idea Of America?

None Of This Is New Or Unexpected: It Is Obvious And Intentional (Also Evil)

Facts Are Stubborn Things: So Are Questions

When do you think we should use national emergency war reserve stocks of petroleum? Maybe in a national emergency? Or war? Do you think we should use national emergency war reserve stocks of petroleum because Russian rulers and sovereign sheiks humiliated and rejected us when we begged for more oil? Is it ridiculous to think that canceling America’s energy industry would lead to dictators and potentates holding us hostage? How did America’s enemies rip away our energy independence? Who delivered us hogtied and weak to our blackmailers? Didn’t that just happen?

Russia threatens invasion of Ukraine. Again. Russian pipelines from Russian oilfields supply Western Europe. New pipelines that do not go through the Ukraine. America approves. America shuts down American pipelines and oilfields. America begs for Russian oil. Russia says “Nyet!” Will Russia listen to America about Ukraine invasion? Is good joke, no?

China plans invasion of Taiwan. Etcetera. Etcetera. Will China listen to America about Taiwan invasion? Also good joke, yes?

Some people smash and grab sledge hammers and crow bars from big box home improvement stores. Some people use sledge hammers and crow bars to smash and grab luxury goods from luxury stores. And regular stuff from drugstores, dollar stores, grocery stores. No sledge hammers required. Some congressionpersons deny this is a problem.

Some prosecutors refuse to prosecute smash and grab theft. Also minor assaults. Also major assaults. Also murders. Also riots. Also arson of police stations, federal courthouses, stores, small business, single family homes, apartment houses, and basically anything else that burns. Some TV talkers think you should look at the “good news.”

Some people rob and murder wealthy, generous, socially-conscious, 80 year-old Black women in their guarded Beverly Hills mansions. Now Oprah Winfrey disapproves.

Some presidents (to media applause) pardon people who were convicted of detonating bombs in the U.S. Capitol building. Some presidents (to media applause) hold people in solitary confinement who are accused of protesting in the U.S. Capitol building.

Some teachers encourage some kids to think of themselves as evil exploiters, based on skin color. Some teachers encourage other kids to think of themselves as helpless victims, based on skin color. Some teachers encourage kids to think of teachers as avenging angels. Some teachers discourage kids from thinking that hard work pays. No more grades. Or advanced placement or study courses. Providing pillows, puppies, and warm, soft comfortable spaces to think correct thoughts about their victimhood. Based on skin color.

Inflation. At least they stopped lying about it and admit that skyrocketing prices for just about everything are here to stay. Happy now?

There Is Nothing New Under The Sun

5 The sun also rises, also does it set, And hastens to the place where it arose.
6 The wind whirls about continually, And comes again on its circuit.
7 All the rivers run into the sea, Yet the sea is not full.
9 That which has been is what will be, That which is done is what will be done, And there is nothing new under the sun.
11 There is no remembrance of past things, Nor will there be any remembrance of things that are to come.
—Eccliesiastes 1:5-7,9,11

Is there any mystery as to how we got here or how to get out? Is the world too complex? Should we simply run away? But where would we run to? Is surrender the answer?

“There are no easy answers, but there are simple answers. We must have the courage to do what we know is morally right.” Ronald Reagan. How do we know what is morally right? This is not a new question. The answers are not new either.

Seven Deadly Sins
Breaking News From The 4TH Century

Is it ridiculous to recognize that humans today are the same as humans two thousand years ago? Same temptations. Same ways of getting it wrong. Doing evil.

Same aspirations. Living a good life. Finding meaning in the world. Getting it right. Doing good.

Do you hear preachers these days talking about the time-tested seven deadly sins? Are today’s preachers correct that everything is okay? Have good and evil gone out of style? When? Is it a good thing that preachers are most intensely concerned about current social theories about which skin color group is to blame for the misery of other skin color groups? Should we cheer when preachers condemn some people for disapproving of the actions and behaviors of other people, when those actions and behaviors are harmful? To themselves and others? Should the question of good and bad be a popularity contest?
Here is a list of bad attitudes and behaviors first identified by Aristotle thousands of years ago. In the 4th century a Christian monk listed them as 7 or 8. A few hundred years later Saint Thomas Aquinas whittled the list down to Seven:

  • Lust
  • Gluttony/Drunkeness
  • Greed
  • Sloth
  • Wrath
  • Envy
  • Pride

Can you think of any problem we face today that does not spring directly from one of these mindsets? If someone is pushing schoolkids to embrace Sloth (no grades), Envy (they got stuff you want), Wrath (they stole your stuff), and Pride (they can do no right, we can do no wrong), does that someone really have the best interests of the kids at heart?

Do you insist you are perfect? Do you claim the right to judge others? Are you asking for anything more than the right to try as best you can to do as well as you can? Do you want unjust, undeserved rewards? Do you seek unfair advantage? Do you want a crumb more than what you have earned? Can anyone honestly accuse you of wanting more than simple fairness?

Of course, none of us are perfect. As the sun also rises, so do we fail to meet our highest ideals and aspirations. But just as all rivers run into the sea, we keep trying. Keeping faith. Acknowledging our failures and striving to improve.

Seven Cardinal Virtues
How To Win

Humans have been behaving badly for a long time. No surprise. And humans have been rising above bad behavior for just as long.

Is it ridiculous to recognize that humans today are the same as humans two thousand years
ago? Same hopes and dreams. Same aspirations to get it right. Doing good. Making the world a better place. Is that ridiculous?

Fortunately, the folks who gave us the list of the Seven Deadly Sins, left another list. The second list has the simple answers. Remember, these answers may be simple, but they are not easy:

  • Chastity
  • Temperance
  • Charity
  • Diligence
  • Kindness
  • Patience
  • Humility

Can you think of any problem we face today that could not be solved by applying one of these mindsets? If schoolkids were encouraged to embrace Diligence (do your homework), Patience (good things come to those who wait, and work), Kindness (understand others before you demand understanding from others), and Humility (nobody has all the answers, no one is perfect), would we have parents feeling betrayed and (finally) demanding accountability?

Are you against enduring faithfulness to your spouse? Are you too afraid to see the world clearly, seeking deadly shelter in a drunken haze? Have you given up on extending the helping hand to others? Is it crazy to think that challenging work gets superior results? Do only suckers and chumps practice compassion, loyalty, and integrity? Are you opposed to seeking peace and extending mercy? Do you reject the bravery of listening to the other side and the modesty of acknowledging your faults?

America wins when we all win. That has always been the promise. And America has been pretty darn good at keeping that promise. Better than anyone else. In the history of the world.

But now we are flooded with petulant, peevish professionals: teachers, lawyers, politicians, tech moguls. You know who they are. Unhappy people who find their toxic joy in the misery of others. Resentment is their stock in trade. Utopian promises that deceive only the ignorant.

From National Socialism to Soviet Socialism to Venezuelan Socialism to a Baskin-Robbins assortment of other socialisms, the results are always the same. Repression. Starvation. Death.

Is it a ridiculous idea to think that you can do something about it? Have you given up on the idea of America? Are you opposed to fighting for the way of life that has brought so much happiness to so many?

Avalanche, Landslide, Earthquake, Tidal Wave Big Events Start Small

A few pebbles bounce down the mountain side. A tiny snowball starts to roll. Tectonic plates slip, just a little. Then a little more. Bouncing pebbles cause rolling rocks. Snowballs grow huge. The earth shudders. Change is coming.

A few people become concerned. They talk to other people. Who talk to other people. The powerful try to shut them up. Ban them. Cancel them. Ridicule them. But like other natural events, the cascade cannot be stopped. Change is coming.

Is it a ridiculous idea to think we have reached a turning point? Do regular folks, the kind you go to church with, approve the current situation? Do you think America has been well served by so-called the best and brightest? America’s greatest strength has always been her people, the steady, reliable men and women who get things done. Should we let things slide further? Do you really want to see how far down we can go? Is this a bad time to say, “Enough!”?

Don’t Give Up, Don’t Give In

Nursing home poverty. Long-term care expenses. Probate. Taxes. Family feuding. These are realities for most middle-class families, like it or not.

LifePlanning™ is the way families like yours preserve what they own to protect what they value. For over 30 years, making the rules work for thousands of families who play by the rules.

Are today’s challenges the ordinary, routine, normal sorts of challenges we have always faced? It feels as though it is increasingly difficult to do the right thing. But do fundamental truths ever change? Does ignoring reality make it go away?

Do you wish you could spend all day focused on the Medicaid, probate and tax rules and regulations that drives well-adjusted people crazy? Or would you like some payback for all the taxes you paid in. Some dignity and respect. Along with the madness.

Peace of mind and security are waiting for everyone who knows what work really is. Waiting for you. It is a choice. Despite what “everybody else” says.

Well, here you are. Now you know. No excuses. Get the information, insight, inspiration. It is your turn. Ignore the message? Invite poverty? Or get the freely offered information. To make wise decisions. For you. For your loved ones.


It is not chance. It is choice. Your choice.
Get Information Now. (800) 317-2812

Job 19:23-24
An Answer To Job’s Prayer?

NOTE: A professional journalist, a mild-mannered reporter for a great metropolitan newspaper (who wisely insisted on anonymity) made the mistake of sitting down to interview David about his new book, “How To Keep The Gold In The Golden Years.” Several hours later, Clark said he had enough material to write his own book. Would you like to know what they discussed? Read on…

PROCEED AT YOUR OWN RISK: The following is a blatant attempt to get you to buy David’s new book. You have been warned. You will also be delighted if you actually buy the book.


Why Do America’s Middle-class Seniors Go Broke?

New book reveals how they wring out your lifesavings and hang you out to dry. Your Family’s Personal Attorney offers middle-class savers surprising insights so you can ‘keep the gold in the golden years’

No one has to tell you that Middle-class America is under siege. Prices are skyrocketing. Government enforces strict obedience from some (you), none from others (not you). That’s fair! Right? Everybody blaming everybody else. Toxic politics. That’s fair! Right? Trillions for the politicians! And who pays? Look in the mirror. That’s fair! Right?

David grew up when families were big, every kid had a paper route, and you stayed out until the streetlights came on. Boy Scouts, Girl Scouts, Kiwanis, YWCA. You worked because that is what good people did. And you saved. For the future. Education. You went to church, and you believed. “Do unto others…” “Let your ‘yes’ be yes, and your ‘no’ be no.” David might be a lot like you.

From paper route to restaurant jobs to autobody repair. Army scholarship to Notre Dame. Boston University Law School. Captain, Army JAG Corps. Jumping out of airplanes, working at the Pentagon. Georgetown University Law. Big law firm time. Solo practice. 40 years practicing law. Radio show host. Newspaper opinion writer. Never forgetting where he started, who he is.

Guided by respect and love for America’s overlooked Middle-Class families. Seeing and solving regular folks’ problems. Maybe other lawyers and professionals just don’t get it. Can’t see? or Don’t care? Does it make a difference? Forty years working for you. Fighting Nursing Home Poverty. You earned the American Dream. You do not have to surrender.

They told him, “You cannot combine authentic humor and serious scholarship.” David said, “Hold my beer!” Read the book. Find out for yourself. Thousands already know. David’s “Elder Law Reporter” appears in almost all weekly newspapers. For some, it is the only reason to keep their subscription. Others clip their favorites. Some have a complete collection! For almost 20 years, his two-hour call-in radio show has been a beacon of wit and wisdom. Humor and insight, a powerful combination.

Growing his law practice throughout Michigan, David is an attorney who has focused on securing the future for middle-class families. By preserving their hard-earned money, they can choose how to live. And they can give advice! Having heard “You ought to write a book!” thousands of times, David is now sharing the mindset that illustrates and explains how to win by bucking the herd mentality to retirement planning.

David L. Carrier and his team of 50 attorneys, paralegals, accountants, and specialists, deliver elder law and estate planning results from offices in Grand Rapids, Holland, Norton Shores and Portage. Combing the archives, compiling true stories and real solutions from years of newsletters, blogs, and newspaper columns. David lays bare the truth that the system works against average individuals who work hard and follow the rules.

“How to Keep the Gold in the Golden Years: Protect Your Family Against Nursing Home Poverty,” is a fast-paced, entertaining read that will change the way you think about retirement and long-term care forever. Through real-life scenarios and accurate accounts demonstrating the widening gap between the experience of people who should be aging with grace and comfort and hard reality of nursing home poverty on bare government assistance. You have already done the hard work, but is it hard to believe that bad advice leads to poor results? See how those who plan properly have ensured that their lifesavings and estates serve themselves and their families. Not big-spending, self-important politicians and government bureaucrats.

“Middle-class families spend all of their lives working hard, saving more than they spend, paying down the house, hanging on to the family heirlooms,” said Carrier during a recent phone interview. “And then they go broke from long-term care bills. The inheritance is gone from that, or because their estates weren’t handled the right way, the taxman gets it all. It’s not right. It’s a shame, but that’s the way the middle-class has been getting screwed for a long time.”

Is there anyone who doesn’t like a free sample? One chapter, which is available to read for free, details how two women, close friends from high school, with similar lives made different choices. Drastically, tragically, different results. Carrier lays out the scenario, writing:

“Both couples were doing fine. Their homes were paid off and worth about $175,000. With $200,000 in savings and $75,000 of life insurance, they felt secure. Not to mention having prepaid their funerals. Each couple had three kids and three grandchildren. They even like the in-laws!

“You have friends like these women. Middle-class people who enrich the world. Generous spirits. Authentic kindness. Get it done attitude. Nice homes, colorful gardens. Debt free. Comfortable cash cushion (not that the kids would know). Coupon clipping and natural thrift. No extravagant or expensive habits. Except spoiling their grandchildren. But what is going on with Fred and Barney? Why does Fred put the car keys in the refrigerator? Barney gets so confused with the simplest things. And it is getting worse.”

One woman, Wilma, accepts reality and assistance. The program of all-inclusive care for the elderly, which she has paid for through her taxes, eases the strain. In contrast, her closest friend, Betty, rejects the very idea of help as nonsensical promises. But when then their men are stricken with Alzheimer’s, reality comes knocking on the door. Wilma’s husband, Fred, receives care from outside aides and the family keeps what is theirs. Betty, meanwhile, bears the burden of care for Barney, wearing herself out. Building a rickety financial house of cards that eventually collapses. Dooming herself and her unfortunate husband.

“Betty ran the race. Betty fought the good fight. At the ultimate cost to herself, she did what she believed was necessary. Rapidly pouring out the savings and accomplishments of a lifetime. All gone in the blink of an eye. Is there anything more tragic than needless suffering? When a good person refuses the helping hand, it is more than sadness. When refusal leads to catastrophe, it is more than regret.

“Wilma too ran the race, fought the good fight. Wilma had been there for Fred to the ultimate end. Hospice at the house. Familiar PACE folks who supplied the hospital bed, Hoyer lift and other necessary equipment and services. Given fair warning, the kids made it in from out of town. It was sad, heartbreaking. But not tragic. Surrounded by family and friends. Secure. At peace. What did the lord have in store for her now? Wilma did not know. But she looked forward to finding out.

“Most people, reading this article, will choose Betty’s path. Most people, faced with long-term care costs, close their eyes. Reject reality. Hope for the best. As lifesavings evaporate like a snowflake on a hot griddle.”

After 40 years practicing law, is it ridiculous to think that Carrier might have discovered the path that preserves what you own and protects what you value? That is the difference between Wilma and Betty. Forty years of experience have gone into the LifePlan™ system. Constant development that incorporates many strategies and delivers on three key goals: Keeping savings intact, paying for the continuing care, and getting beneficiaries what they deserve. Impossible? Maybe. Maybe not.

Carrier’s single-minded focus has resulted in:
• 50,000+ families attending Carrier LifePlan™ workshops.
• 15,000+ families trusting their security and their future to the LifePlan™ approach.
• $800,000,000+ dollars protected from lawsuits and long-term care.
• 2,000+ loved ones receiving the skilled nursing benefits they earned without going broke or accepting mediocre levels of care.

Carrier says that following the herd seems like the safe bet, but that when the herd has been stampeding off the cliff, for decades… well, maybe it would not be such a bad idea to consider an alternative path.

If most folks are losing, does that make losing a good idea? “I’ve got the plan for your family, and it’s been battle-tested to defend your ability to live as you want, not as you’re told. Haven’t you earned that right? I think so!”

FREE WORKSHOPS: Learn more about David Carrier’s LifePlan™ strategy!

The LifePlan™ secures families’ futures and gives middle-class Michigan the winning game plan. Carrier offers free sixty-minute workshops that start to answer the most frequently asked questions, including:
• Should I believe that it is impossible to protect my health, home lifesavings, family and legacy?
• Why is an outdated will worse than no plan at all?
• Do I want strangers making financial and medical decisions for me? Do I want to shut out my family and friends?
• How can I control the care I get (and do not get) in a medical emergency?
• Should I sacrifice my kids’ inheritance to accident, illness, divorce, bankruptcy, or their own poor choices?
• Are you against (legitimately) avoiding heavy taxes under the new IRA “reform” and “stimulus rescue” boondoggles?

Planning is critical for peace of mind not only for yourself, but also your family, Carrier said. Once you are in control and secure. A clearly structured LifePlan™ saves families and relationships from exploding during emotional times.

Carrier says too many people spend their lives focused on dying. Is it a good idea to be preoccupied with what happens to your wealth when you’re dead and gone? David stresses that you should live for you and your spouse first. Is your vision, your fondest wish, to enjoy exciting life experiences, volunteer work, helping with the grandkids’ tuition, or just relaxing at your cozy country cottage or cabin? Have you given up on the idea that you can achieve your personal goals working with your family’s personal attorney and the LifePlan™ Team?

“You can get in complete control of your future instead of having no control at all,” he said.

Get Information Now. (800) 317-2812
How badly would it hurt you to buy the book?