Tag Archive for: education

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Butcher, Baker, Candlestick Maker Privileged To Pay

Fit-As-A-Fiddle First Financier Fabricates Forgiveness

Education is Essential to a strong society. Learning is Earning. Knowledge is Good. And what better way to acquire Learning and Knowledge than a Cottage Education? Swimming, boating, Jet-skiing. Everyone agrees that a Cottage Education guarantees lifetime success and happiness. All Americans deserve a Cottage Education if they are willing to go and put in the time. At the pool. Or massage therapy center.

But can All Americans afford a Cottage Education? Sadly, no. That is why there are federal-guaranteed Cottage Loans… to support young (and not so young) Americans in their Cottage dreams.

Over the years, to satisfy eager Cottage students, the federal government has raised Cottage Loan limits again and again. And whenever those loan limits go up, guess what! Crafty Cottage Presidents raise Cottage tuition and fees. Over and over. To keep up, Cottage students borrow and borrow and borrow some more. Like a hamster wheel. America’s Cottage Students now owe $1.6 Trillion in Cottage student debt. Talk about world-class!

Unfortunately, paying for all that Cottage Debt has become a real problem. Turns out America does not need so many engineers, scientists, industrialists, craftsmen, tool and die makers, machinists, plumbers, carpenters, skilled tradesmen, farmers, nurses, doctors, biologists and so on… All those Cottage degrees turned out to be worthless. What America really needs are a few good baristas, like at the coffee shop! Folks who can make swirly designs in coffee foam. Some sandwich artists would come in handy, too. Yet nary a one can be found…

Ask an electrical engineer for a latte? Forget it! Isn’t it clear? Cottage Student Loan relief is a national priority.

To Err Is Human, To Forgive $540,000,000,000 Is Divine

If ever oh ever a Wiz there was, the Wizard of Washington is one because… Because the Wizard will forgive $10,000 of Cottage Loan Debt for each student. Presto! No problem. Canceled. Disappeared! Wondrous! How does he do it? Not with any law. Not with any Act of Congress. All by himself! Because of the Wonderful Things He Does®!

Some say that the new Cottage Loan forgiveness plan will cost $300 billion. ($10,000 multiplied by 30 million Cottage Students). Nope. Some folks forgot that the Cottage Loan Gift is $20,000 for each Pell Grant giftee. Government guesses that there are 27 million Cottage Loan borrowers who could get $20,000 each. Math is hard, but let us give it a try, shall we? 27,000,000 X $20,000 = $540,000,000,000.

That’s $540 Billion. Whoops! They overlooked $240 billion. Must be the new math, eh?

Here’s A Thought: The new Gerald R. Ford class of aircraft carrier costs about $10 billion each. Why don’t we just buy 54 brand-new aircraft carriers instead? Sure, parking might be a problem. Let’s just buy 30 of ‘em and use the extra money to buy airplanes and stuff. Or we could pay off other folks’ Cottage Loans. You choose.

Definitely-Not-Demented Delivers More On Demand

And by more, we mean moratorium. Cottage Student Loans have not been paid for years. Why not? “COVID.” And, “Shut Up!” they explained.

Anyway, the Wizard has promised that this one last extension until December 31, 2022, will be the last. Promise. No more. Ever. What’s the fuss anyhow? Only costs $52 Billion per year. That’s only 5 brand new, state-of-the- art Gerald R. Ford-class flattops. Only 5. So quit yer bitchin’! What’s $52 Billion among friends? Chump change.

Cottage Loan Trillion Dollar Giveaway – The Rest Of The Story

The Top Headline says that a Trillion Dollars of Cottage Loans will vanish. Perceptive readers will note that only $540 Billion has been accounted for. What about the rest… of the story?

The Big Deal is not the one-time COVID- era Mega-Billions Giveaway. The Big Deal is rewriting the permanent giveaway rules. Probably more than a trillion dollars. Nobody knows.

How It Used To Work:

1. Go to expensive Cottage. Borrow lots and lots of money.
2. Get job that pays less than $125,000 per year.
3. Pay 10% of income over $30,000 per year for Cottage Loans. Big, big Cottage Loan? Small, small payment? Who cares?
4. 20 years later. All is forgiven!

How It Will Work Now:

1. Go to expensive Cottage. Borrow lots and lots of money.
2. Get job that pays less than $125,000 per year.
3. Pay 5% of income over $30,000 per year for Cottage Loans. Big, big Cottage Loan? Small, small payment? Who cares?
4. 10 or 20 years later. All is forgiven!

Used to be a sweet deal. Now Cottage Loan borrowers only pay half as much. Half as long. Super sweet!

Who Benefits From Cottage Loan Giveaway?

  • 63% of Americans have no Cottage Degree.
  • 87% of Americans have no Advanced Cottage Degree.
  • 56% of Cottage Debt is owed by the 13% who went to Law School, Medical School, etc.
  • If you did not get a Cottage Education. Pay up, sucker!
  • If you worked hard to pay off your Cottage Debt. Sucker!
  • If you borrowed lots of money for your Cottage Education. Relax! The working stiffs are going to cover your bills. Enjoy!


Slight Typographical Error In Above Story

Sorry! Sorry! Sorry! Sad Blunder

It appears that there we made a slight typographical error in the preceding story. We were given to understand that somebody in the federal government, contrary to law and common sense, was intending to give away more than a trillion taxpayer dollars to folks who borrowed money under federal Cottage Loan programs. This is not accurate. It turns out that there are no federal Cottage Loan programs (except for FEMA). Anyway, this unprecedented, unjustified, political payoff scheme had to do with College Loans. And, loans for Universities and Graduate Schools of Law, Business, Medicine, Engineering, etcetera. Surely an understandable, harmless, inadvertent, and worthy-of-forgiveness blunder. Our apologies.



What Is That Sizzling Sound? Vaporized Like A Snowflake On A Hot Griddle.

Your Lifesavings Imploding At $12,000 Per Month

America is getting older. So are you.

There are fewer young people. More older people.

Older people need care. Older people need younger people to provide that care. But there are fewer younger people.

Demand for care is up. Supply of caregivers is down. Prices for care are skyrocketing.

Everyone knows someone who has gone broke. Not from the casino. Not from credit card debt. Not from too many toys. Someone who has gone broke from long-term care.

Basic at home care: $30+/hour. Nursing care at home: $60+hour.
Basic Assisted Living: $6000/month
Basic Nursing Home: $10,000-12,000-15,000+/ month

Everyone knows that care is expensive and getting worse.

Simple steps taken now will preserve your lifesavings, home, dignity and provide well for your surviving spouse.

But some foolish folks ignore their own lives. Whistling past the graveyard. Focus on death… who gets my stuff? No care for their surviving spouse.

Is it wrong to get some payback for the tax dollars that you have paid in?

Are you opposed to making the rest of your life the best it can be?

Is it fair to burden your spouse, family, or friends when help is right there for the asking?

Has your success in life come from burying your head in the sand?

Why hasn’t your estate planner, lawyer, financial advisor informed you? Why have you been misinformed?

Is now a bad time to explore LifePlanning™? Thousands and thousands of local families have already experienced the benefits. Do you deserve nursing home poverty? Do you wish to leave nothing for your family? Is it a ridiculous idea that you should get the care you have already paid for?

Is Now A Bad Time For A Real Solution?

No one has all the answers but is this the wrong time to start asking questions?

Is finding the best care is easy? Is getting lost in the overwhelming flood of claims and promises a good idea? Are you opposed to straight answers?

Ignore the message? Invite poverty? Or get the freely offered information. To make wise decisions. For you. For your loved ones.

The LifePlan™ Workshop has been the first step on the path to security and peace for thousands of others. Why not you?

Oh No! Charts and Graphs…AUGH!

But I Was Promised There Would Be No Math

Truth, Facts, Reality

Most people like the truth. Don’t you find it helpful to know what is really going on? Truth, facts, reality. These are the cornerstones of middle-class life. If you fail to hammer your kids to do their homework, you get dumb kids. Sluff off on the job, get fired. Skip the mortgage payments, lose the house. Eat too much, get fat. Act like a jerk, live alone.

Truth and consequences. Most of us do not ping-pong between extremes of hope and fear. Steady on course. One brick at a time, we build security for ourselves and our families. Truth, facts, reality. We swim in a sea of action/reaction. Do immoral stuff, get corrupt fallout. Take virtuous actions, get wholesome goodness.

Fight the good fight, finish the race, keep the faith. Pour your life into meaningful deeds. Your kids will be OK. Loved ones will surround you. You will not be alone. Or broke. Christian folks are also assured that: “[T]here is laid up for me a crown of righteousness, which the Lord, the righteous judge, shall give me at that day: and not to me only, but unto all them also that love his appearing.” 2 Timothy 4:8 KJB So you’ve got that going for you, which is nice.

If you are like me, you understand: “different strokes for different folks”. We are everyday people. We don’t all see things the same. “Sometimes I’m right and I can be wrong.” Opinion, belief, attitude, outlook. “We got to live together.” Respect, conversation, acceptance. “And so on and so on and scooby dooby dooby.” (1)

Dedication to Truth. Respect for Each Other. That is how we got here. The most prosperous nation in the history of the world. The most accepting. The most generous. The most loving.

If you are like me, doesn’t it drive you nuts when somebody starts insisting on “their” truth? This truth, that truth? As if truth were blob of jello. Why can’t they just admit they have opinions? Perceptions? Points of view? Same as me. Same as you. Is their arrogance driven by insecurity? Some deep-seated emotional disturbance? Who knows? Who can know? I sure don’t.

What I do know is that facts are stubborn things. Get all the fancy degrees you want. Make impassioned arguments. Smoke a whole lot of weed, er, I mean “recreational cannabis.” Desperately convince yourself of “your truth.” But take away cops and bad guys come out to play. And steal. And murder.

New York (40%+). Chicago (55%+). Los Angeles (30%+). Tucson (38%+). Austin (55%+). Milwaukee (95%+). Minneapolis (72%+). Portland (52%+). Seattle (74%+).2 And so on and so on and scooby dooby dooby. (2)

Just The Facts, Ma’am, Just The Facts

We all have our opinions. Sometimes our opinions blind us to truth. So whenever possible, I like to use research from people whose politics and perspectives are different than mine. Use the other guy’s version of the facts. Approved by Harvard University and Brown University. Funded by the Bill and Melinda Gates Foundation. Liberal enough for you? And what did those folks find? (3)

Rich Folks Did Great, Middle Class Folks Got Hurt, Poor Folks Got Hammered

covid wages recovery

Everybody got whacked at the beginning of the pandemic. But low- and middle-income workers got it worst. And now, a year and a half later, turns out that high income people actually got more jobs. Up 2.4%. Middle-income folks are on the path to recovery. Down 4.5%. And the poor folks got screwed. Still down 24%.

How did that happen? Was it the inevitable, unchangeable Laws of the Universe? Bad luck? Random chance? Or do you suppose the magical creation of money by government wizards, coupled with unemployment payments exceeding normal take-home pay might have had an effect? If you do, you are most definitely a terrible person. Even worse if you wonder why there are three unfilled jobs for every unemployed person. What does it mean that a Boyne City sandwich shop pays $18 per hour and still cannot find “sandwich artists”? Makes you wonder, eh?

The More They Help, The Worse It Gets

small businesses open

Some governors like to protect us. Protect us from our own poor choices. (Except when it comes to weed, er, I still mean “recreational cannabis”.) What happens when government controls us? Uses a natural (or perhaps unnatural) disease pandemic to impose unprecedented, unconstitutional (according to the Michigan Supreme Court) executive orders? When government tells you to shut up, do this, do that. and don’t worry your pretty little head, is that a superhighway to success?

You could take a look at this Harvard-approved, Bill and Melinda Gates Foundation-funded chart. Government controls lead to deeper small business depression. And when the controls come off, squashed small businesses do not recover as quickly or as well. Did not see that coming!

Who runs small businesses? Middle-class folks making middle range money. Who works for small businesses? Lower-wage workers.

Why it is almost as if all these consequences were connected!

And They Sacrificed The Future

Education is the path to freedom. You know this. That is why you spent more to buy a home in a “good” school district. That is why you put up with the rolling eyes, the protests, the whining and everything else to get your kids to do their homework.

But now it is the teachers who do not want to go back to school. With disastrous consequences. Once again we see the same pattern. Rich folks kids… drop off and recovery. Middle-class kids… much steeper drop off and much less recovery. Lower-wage family kids… bottomless pit!

Who can see this without compassion? Who can claim that it has to be this way? Who lacks the guts to stare reality in the face?

The Only Answer: Middle Class Values

Do you feel, as I do, that this could be the “best of times” for the middle class? For the truth that nothing good comes without hard work, dedication, and perseverance?

Do you see the consequences of today’s path? The dizzy disaster of multiple “truths”. The moral bankruptcy of cancel culture and pitting Americans against each other. The bloody, murderous, drugged-out despair in our cities, large and small.

Life-Plan™ Salvation for the Middle-Class

How do we convince the kids that our values are the best? Going broke in old age for long-term care may not be the best strategy. Middle-class savers, workers, builders can live well and leave a legacy of values. You get the nursing home bill: your guts turn to water, you are about to puke and you are desperately searching for a place to sit down. Relax! You took care of it… you have a LifePlan™. Be the hero… fight and win!

Not Chance, Your Choice

You know there is nothing inevitable about nursing home poverty. You worked for and deserve peace of mind and security. It is a choice. People tell me, “I never heard of this before! Why doesn’t everyone do it?”

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.

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

Get Information Now. (800) 317-2812

(1) Sly & The Family Stone, Everyday People
(2) https://docs.google.com/spreadsheets/d/1Z9b5mIwztAwmEHJW7Q5DHMjS14-Rs7XIXOt33Al_rDw/edit#gid=1757262194
(3) https://opportunityinsights.org/wp-content/uploads/2020/05/tracker_paper.pdf