My Blog List

Wednesday, February 3, 2016

The Faces Of Corruption and Racism

I've just gotta vent....

In the big picture of things, this ain't shit.  But, like "Death By A Thousand Cuts" it adds up, and pretty soon you've bled out.

The first set of faces is of two federal employees - from the Veteran's Administration (VA).

JOE GROMELSKI/STARS AND STRIPES

These two lovely ladies pulled a series of stunts that would likely land someone that's NOT getting a government paycheck, in jail.
Two Department of Veterans Affairs senior executives found guilty of wrongdoing will go back to work at full pay and status after administrative judges sustained the charges against them but reversed their punishments based on technicalities.
Well how do ya like them apples?  Found guilty, but because some fucking "T" wasn't crossed or some fucking "I" wasn't dotted, they get reinstated.

Just what did these two victimized ladies do?
Kimberly Graves and Diana Rubens were demoted last month from high-ranking positions at the VA after they helped push through transfers of subordinates from job positions they wanted for themselves and then collected relocation incentives totaling more than $400,000.
Oh my.  Sounds like they went all, "mean girls" on someone's ass, and got paid to do so.  Such a deal!

What is ironic  - and disgusting - is that on the day this miscarriage of justice is reported, a friend tells me of a Bay Area police academy recruit - who did two tours in Iraq or Afghanistan - took his own life.  Couldn't deal with the pressures of life any longer after being, "over there".

I wonder if that $400,000 that was pissed away on these two boils on the ass of America could have helped this guy get his head straight.  We owed him that much, didn't we?

We'll never know.

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Those SOB racist Republicans!!!

Just as expected, in their first primary/caucus, they elected an all-lily-white slate for the presidential election.

[Queue the screeching breaks sound effects]

Oh, wait...


My bad.  The top 4 winners consisted of two Hispanics, a white guy and a black guy.

I'm sure the "Diversity Coalition" Democrats were much the same.

Oh, wait...



My bad.  Again.

Holy shit, you couldn't get more pasty and more white than these two.  For God's sake, go outside and get some rays once in a while.

Well, I'm sure the National Media has just torn the Democrat Party a new one for their clearly racist selections, and has been nothing but gushing with "pride" over the Republican's choices.  Right?  Right?

[Queue chirping crickets sound effects]

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And that sink-hole of depravity "won" Iowa on six straight coin tosses!  You MUST be shittin' me!  Where's the NFL "coin cam" when you need it?

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I don't know why I do this.  I just like to yell from time to time, I guess.

Serious as a heart attack, how could ANYONE - even family members - vote for either of these Democrats?  One should be in leg irons being perp-walked to jail, and the other wants to make basically everything you want in life to be free.  Well, except for the 90% haircut our paychecks will take.

Hmm.  Maybe I just won't work then, huh?

At least HE's being honest about it.

The VA - and most of government - is simply corrupt.  It just grows, and grows, and consumes more and more of our resources.

Watch your collective asses, folks.  It's not going to shrink any time soon (government, not your ass!).


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Copyright 2016 Bison Risk Management Associates. All rights reserved. Please note that in addition to owning Bison Risk Management, Chief Instructor is also a partner in a precious metals business. You are encouraged to repost this information so long as it is credited to Bison Risk Management Associates. www.BisonRMA.com

Tuesday, January 26, 2016

Keeping Your Wits About You

A few years back, I was teaching an Introductory Pistol class at a local gun range and shop.  All of what happened below was going on not more than 20 feet from where me and my 6 students were in class.  Didn't hear a peep!

Normally, the place had two employees present when they were open, but for some reason, the other employee didn't get into work on time.

Shortly after opening the store, some guy comes into the store and starts asking about picking up some pepper spray for his girlfriend.  The employee came out from behind the counter to go over to the pepper spray display which was locked up.

As the employee is unlocking the case - with his back to the "customer" - he gets his head slammed into the wall, and the bad guy tried to pull out the good guy's open carry pistol.   Thankfully, the gun was in a Serpa Retention holster, so the guy couldn't get the gun out.

The good guy - a rather large gentleman - threw an elbow at the bad guy hitting him square in the face.

Here's the point to the story - The bad guy ran out of the store.  The good guy drew his weapon, got sights on the bad guy.... and re-holstered his gun.

Why?  He was no longer being threatened.

This story has a different ending.  In this case, the good guy got free from his ropes, got his pistol, and shot the bad guy.

As he was fleeing.
David Martinez, 38, was shot and killed on Sunday after he turned a Craigslist offer into an attempted armed robbery. His victim, bound inside his own home, managed to untie himself and fire shots as Martinez fled. Martinez, who had a long criminal history, crashed his vehicle and died at the scene.
Now, I'm not going to shed too many tears that this turd-of-a-human is dead.  What I am saddened by is that this victim likely turned himself into a criminal.

In his adrenaline-soaked state of mind, he saw bad guy and shot bad guy.  Even though he was no longer being threatened.

Training and mentally walking through different scenarios would have saved him from this grief.  Keeping his mouth shut after the shooting might have helped as well.  One of the first things the Second Call Defense program stresses is that after you call for 911 help, you call your pre-paid attorney.

Then shut the hell up.

At our precious metals store, we regularly discuss different scenarios where bad guys emerge.  Our response is always greater than the threat presented - including the use of deadly force - but it's not always the expected response.

For instance, if a gun or other deadly weapon is displayed, there is a very good chance you'll be shot before you get a chance to harm us.  If you grab some merchandise and flee, you'll be pursued and likely get your ass kicked, but use of deadly force is unlikely unless our lives are threatened.

Use your head.  Go through scenarios in your mind.  Don't hesitate in defending yourself, but practice identifying situations where the use of deadly force is justified.

And when it isn't.


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Copyright 2016 Bison Risk Management Associates. All rights reserved. Please note that in addition to owning Bison Risk Management, Chief Instructor is also a partner in a precious metals business. You are encouraged to repost this information so long as it is credited to Bison Risk Management Associates. www.BisonRMA.com

Monday, January 4, 2016

They're Right In Oregon

This Oregon stand-off is a nice mess.  Below, I'll have a link that details the events that brought us to this point, but I want to go back a bit further in history.  Specifically, how is it that the feds are able to own and control such large chunks of land?

Most people - and all statists - just think that, well HELL, they're the federal government.  They can buy whatever the hell they want.

Uhm, not so much.

If we read the Constitution, we see the powers and prohibitions placed on the 3 arms of government.  I read the whole thing, and not one single article, section, paragraph or sentence mentions the feds ability to own and run national parks or wildlife preserves.  Nothing even brushes up against the idea.

There must be a loop hole somewhere.

So, I went to the National Park Service (NPS) and I found the explanation.  They hang their hat on two specific portions of the Constitution.

First, they discuss the authority granting their existence -
Under the Constitution, the federal government has limited powers [nice of them to acknowledge that  .ed]. The authority for creating national parks is found in the Constitution under the “Property Clause” (Article IV, Section 3). “The Congress shall have Power to dispose of and make all needful Rules and Regulations respecting the Territory or other Property belonging to the United States….”
Well all-righty then.  Seems pretty clear.  The long and short of it is that they get to make up the rules for the property they own, period.

They then bolster their legitimacy with this -
“Dispose of” is used in the sense of, “the act of transferring care, ownership or possession, or ownership to another”. Congress determined that it was “needful” to conserve certain lands unimpaired for the enjoyment of future generations. The authority for creating the National Park Service is found in The “Necessary and Proper Clause” (Article I, Section 8). 
“Congress shall have the right to…make all Laws which shall be necessary and proper for carrying into Execution the foregoing Powers, and all other Powers vested by this Constitution in the Government of the United States, or in any Department or Officer thereof.”
Wait, wait, wait.  It says "dispose of" means to transfer to another.  Right there, they said it themselves!  They didn't dispose of it, they kept it!  Still, it doesn't say they MUST dispose of it, so I guess some twit at the NPS just got a bit verbose.

That "needful" thing makes me a bit uneasy - seems like it's opinion-based - but they then back it up with the Article 1 Section 8 stuff, and it seems pretty clear.  It's pretty much a re-statement of the Article 4 stuff.  Got it - they can do as they please with federal land.

But, unsurprisingly, they forgot one thing:  To read the whole Constitution.  Somehow, they managed to miss the paragraph directly before the Article 1 Section 8 citation.  Here, it goes like this -
To exercise exclusive Legislation in all Cases whatsoever, over such District (not exceeding ten Miles square) as may, by Cession of particular States, and the Acceptance of Congress, become the Seat of the Government of the United States, and to exercise like Authority over all Places purchased by the Consent of the Legislature of the State in which the Same shall be, for the Erection of Forts, Magazines, Arsenals, dock-Yards, and other needful Buildings;
Oh.  Now that's embarrassing.  No mention of national parks, just forts 'n stuff.  It seems as though the founding fathers, all of the original states, and all subsequent states that joined the union - by accepting the Constitution as the supreme law of the land - decided that the land ownership of the federal government was to be restricted to land uses consistent with the powers granted in the Constitution.

Crazy thought, right?

Chief, Chief, Chief, you piece of crap "Natural Wonders" hater!  I suppose you want to turn Half Dome into a screen for a drive-in movie theater!

While that would be kinda cool, no, I don't.  The beauty of Yosemite Park is hard to describe and it should be preserved.

But by the state of California, not the federal government.

You see, there's another part of the Constitution everyone forgot to read.  It's called The Bill Of Rights, and the tenth amendment kind of clears up any questions -
The powers not delegated to the United States by the Constitution, nor prohibited by it to the states, are reserved to the states respectively, or to the people.
Since we've already established that the federal government was not delegated the power to create parks, and the states weren't prohibited from doing so, that means the states get first crack at it.  If they had no desire to establish and run the parks, then the people could do so - or whatever they wanted to do.

It's that very last part of the paragraph - "or whatever they wanted to do" - that Big Government uses to scare the little people into believing of the need to bend or break the Constitution.  Freedom of choice (as in land use) is a dangerous thing, and good ol' Uncle Sam will make it all better.

OK Chief, you constitutional Nazi, what about massive land purchases such as the Louisiana Purchase, or Alaska, huh?  What would you do there, smartass?

That IS a bit of a conundrum, as you'll see.  While the land was in its pre-state form (why else would the federal government purchase vast amounts of land other than to convert it into a state or to act as a political barrier/boundary?), they would be constitutionally restricted to using the land for anything other than the forts, et al.

Doing so would bring civilization and law to the vast wild expanses, which would encourage people to move there, and set the stage for statehood.

And that's exactly what we did with the pre-state territories after the revolutionary war, but before 1803.  We'd offer them protection and law, people moved west, and they became states.

Here's a fun fact, kids!  When one of my heroes - Thomas Jefferson - made the 1803 Louisiana Purchase - he was challenged on.... wait for it.... constitutional grounds.

What the f........?!

Yep, Ol' TJ bent the very rules he had helped to craft -
Before the purchase was finalized, the decision faced Federalist Party opposition; they argued that it was unconstitutional to acquire any territory. Jefferson agreed that the U.S. Constitution did not contain explicit provisions for acquiring territory, but he did have full treaty power and that was enough.
Wow, bubble burst.  I guess no one pushed back because it was such a great deal ($0.03 per acre).  Expediency at the expense of constitutionality.  Sound familiar?

I just threw up a little in my mouth.

Go back and read the Article 1 Section 8 paragraph, and sure enough, the feds are restricted to purchasing land ONLY from existing states.

Well, since we had already crapped on the Constitution, a little bit more poo-poo couldn't hurt, right?  No need to actually go back and do an amendment empowering the federal government to buy land to expand the United States.

BTW, with few exceptions (like Alaska and the 13 formed after the Louisiana Purchase), most states are on land we got after various wars.  I guess that when the Constitution was written, they figured that that was the only way we would ever acquire more land, so they neglected to include the "purchase of land" in powers granted to the feds.
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THIS brings us back to the issue at hand.  The feds still unconstitutionally buy our land, but now it's done with a gun to the head of the sellers, and prison for those who resist.

As promised earlier, here is the link to the timeline of the Oregon mess.  Read it, and prepare to be enraged.

Then consider -
"What country can preserve its liberties if their rulers are not warned from time to time that their people preserve the spirit of resistance. Let them take arms."
- Thomas Jefferson, letter to James Madison, December 20, 1787
THAT is why those guys are in Oregon.  What is so awesome about that quote, is that it was made before our Constitution and Bill of Rights were even ratified.  We have these men - our forefathers - who just challenged and beat the most powerful military in the world, and they forever guaranteed the right of every American to do it again if needed.
"I ask who are the militia? They consist now of the whole people, except a few public officers."
- George Mason, Address to the Virginia Ratifying Convention, June 4, 1788
They consist now of the whole people.  Wow.  Words to remember.

Your president - one of those "public officers" - when he makes his pitch in the next few days to restrict your right of gun ownership, should consider -
"Necessity is the plea for every infringement of human freedom. It is the argument of tyrants; it is the creed of slaves."
- William Pitt (the Younger), Speech in the House of Commons, November 18, 1783
We're on to you, Barry.  You and your ilk.  Nothing you will propose would have stopped a single one of the horrific shooting sprees you'll use to sell your "necessity" snake oil.

But you know that.

Just like the resistance to the "needful" assertion the NPS uses for its authority, expect resistance to any more unconstitutional infringements directed towards peaceful gun owners.

Here's how King George reacted after April 19, 1775 -



Yeah, it was about gun control.

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Copyright 2016 Bison Risk Management Associates. All rights reserved. Please note that in addition to owning Bison Risk Management, Chief Instructor is also a partner in a precious metals business. You are encouraged to repost this information so long as it is credited to Bison Risk Management Associates. www.BisonRMA.com

Saturday, December 19, 2015

This Touched Me

Don't worry, I'll get back to the bitchin' and stuff soon enough.

A good friend sent this my way.

Take 4 minutes out of your life and watch this.

God Bless and Merry Christmas!



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Copyright 2015 Bison Risk Management Associates. All rights reserved. Please note that in addition to owning Bison Risk Management, Chief Instructor is also a partner in a precious metals business. You are encouraged to repost this information so long as it is credited to Bison Risk Management Associates. www.BisonRMA.com

Thursday, December 3, 2015

They've Got It Good, Here In America

Yesterday, I was working on another post when I got a text asking me if I was watching the news.  I clicked over to Google news and saw what was going on in San Bernardino.

Predictably, your president made a statement about how we need more, "common sense gun control".

How is it possible that the president of the United States doesn't have access to facts?  Facts about who is committing these mass shootings.

Take a 6 minutes out of your life and watch this excellent video by Bill Whittle about murder rates here in America and around the world.



I'm pretty sure they have an Internet connection at the White House, so Barry should be able to watch this as well.

Yet he still spews his lies and promotes his agenda to disarm you.  Ironically, as another friend noted, Barry made his remarks about how America is the only country that has these mass shootings.... in Paris - which just had its guts blown out only weeks beforehand.

And the last time I checked, Mexico has got more mass shootings and bullet-riddled corpses than they have non-corrupt government officials.  You know Mexico - that highly gun-controlled country to which he has granted statehood - at least when you consider their freedom to cross any of our borders, attend government schools, get driver's licences and collect welfare checks.

So, what kind of profile can we draw about these mass murderers?

  • They used legally purchased guns.  All of the existing "reasonable gun control" boxes were checked.
  • They are Muslims or mentally-ill liberals.

Are there exceptions?  Of course.  Tim McVeigh in Oklahoma City 20 years ago, and the recent wacko in Colorado Springs who shot from the abortion clinic come to mind.

Oh, and Barry also conveniently forgets to mention the single largest source of mass shootings in America.  This source does tend to use illegally-gotten guns.  It's young, black inner-city males.

It might also help his policy wonks to consider who IS NOT committing these heinous acts of terrorism.  This should help them focus their efforts elsewhere:

  • They're NOT Second Amendment-loving gun owners who are members of the NRA, GOA or other similar civil rights organizations
  • They're NOT conservatives
  • They're NOT Christians
  • They're NOT young, white inner-city males

You see, Barry, it's not the guns that are the problem.  Hell, every one of these terrorist acts is stopped by good guys with guns.  The problem is the culture in which these terrorist animals believe, and where they are free to practice their evil-doings.

Oh, and I hate to break this to you, but it ain't global warming, either.  The airfare to Paris was a waste.  Sorry to burst that CO2-filled bubble of yours.

But you know that.  Yet you focus your efforts of control on the very sources able and willing to fix the problem.

What the hell is wrong with you?

Your actions, policies and rhetoric directly contribute to this problem.  America is becoming one big "soft target" under your reign.  You refuse to enforce our border laws, you enact stringent gun laws on the law-abiding, and you refuse to address the FACT that the vast majority of mass shootings are committed by anti-American liberals, black inner-city males and radical Muslims.

I'm still waiting to hear how just one of your "common sense" gun laws would have stopped a single mass shooting.  C'mon, Barry, gimme just ONE.

I'll ask again - what the hell is wrong with you?
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I know, I know.  I'm brushing up against Einstein's definition of insanity (Doing the same thing over and over, and expecting a different result).  Barry won't change.  Liberals won't change.

And the mass murderers won't change, either.  They don't need to.  They've got it good, here in America.


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Copyright 2015 Bison Risk Management Associates. All rights reserved. Please note that in addition to owning Bison Risk Management, Chief Instructor is also a partner in a precious metals business. You are encouraged to repost this information so long as it is credited to Bison Risk Management Associates. www.BisonRMA.com

Friday, November 20, 2015

Gun Control Song



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Copyright 2015 Bison Risk Management Associates. All rights reserved. Please note that in addition to owning Bison Risk Management, Chief Instructor is also a partner in a precious metals business. You are encouraged to repost this information so long as it is credited to Bison Risk Management Associates. www.BisonRMA.com

Wednesday, November 11, 2015

Innovation Is A Bitch

I was working in my store late last night, listening to the Republican debates with one ear.  Somewhere in the chatter, I heard a moderator make mention of the protesters that were outside the hall that was holding the debates.  Something about the $15 per hour minimum wage.

Coincidentally, a good friend had sent me this link earlier in the day - just to piss me off, I'm sure ;-)

The article discusses how this insistence on getting paid for more than you're worth results in you being replaced.  By a machine.

It is a concept that is lost on these, "I DESERVE more money!" soft-heads - the concept that virtually any job can be replaced by a less expensive alternative when push comes to shove.

And this is a big, aggressive shove.

Innovation rears its ugly head whenever government, "good intentions" force businesses to adopt practices the Nanny State feels are worthy.

First, a very simplified explanation on how a business works.  While every business and industry are a bit different, the following concepts apply:

Cost of Goods Sold:  The cost of the raw materials needed for whatever you sell.  For instance, for a burger joint, that might be beef, tomatoes, buns, lettuce, mayo, pickles, potatoes, cheese, onions, etc.  Let's say for this industry, this runs 30% of total income.

Operating Expenses:  This is the cost to keep the joint running.  In our example above, it would include rent, utilities, grills, fryers, maintenance expense, insurance expense, legal expense, advertising, taxes, fees, permits, inspections, etc.  Let's say this also runs 30% of total income.

Employee Expenses:  The cost of your employees to work for you.  It includes wages/salaries, benefits, paid vacation, family leave, state, local and federal employment taxes, payroll expense, etc.  Again, let's put this at 30% of income.

Profit:  This is what the owner gets to keep.  If it's a publicly traded company, any dividends paid come out of this pile (dividends are not allowed to be deducted as an expense of the company).  Let's put this at 10% of total income.

Profit, on average, is actually lower than that.  It averages 7.5%.  Now, think about this:  For every $100 in sales, the company keeps $7.50.  Here in California, on average, the local and state sales tax authorities would get paid $9.00.  This is on top of the fees, permits, licenses, et al, that are included in Operating Expenses.  Any wonder business are fleeing California?

Source:  American Enterprise Institute


It's a delicate balance for a business owner.  If expenses in one category goes up, that money has to be made up somewhere.  The owner can either raise prices to cover the new expense, make less profit, or cut other expenses.

Raising prices is very risky, especially in a competitive industry, or in a crappy economy such as we're in.  If your competitors don't also raise prices, you go out of business because you can't pay your bills.

Making less profit is the vehicle of choice for most non-business owners.  Unlikely to happen.  We invested our hard-earned money, and we expect a decent return on that investment.  Seven and a half percent doesn't seem out of line to me.  If you are willing to take the risk by investing your own money, and taking a lower profit, go right ahead and start your own business.  Also, if it's a publicly traded company that pays dividends, that means a drop in those dividends that are paid into your 401(k) or other retirement accounts.  Ouch... feel the burn?

That leaves us with cutting other expenses.  Believe it or not, most business owners cut their employee salary/wage costs as a very last resort.  We'll try and source lower costing raw materials.  Maybe cut out some training or educational budgets.  Perhaps a cut in the advertising account.

These are usually short-term fixes.  Eventually, you've cut to the bone, and the hard choice of reducing employee expense gets made.

The consequences of requiring a burger joint to pay $15 an hour to an employee with $6.50 an hour skills comes home to roost.

So they innovate.  In this case, as was noted in the linked article above, it means buying a machine that can make a perfect, and perfectly consistent burger at the rate of 360 burgers an hour.

No bitching.
No moaning.
No salary.
No employment taxes.
No payroll service.
No sick pay.
No vacation.
No disability insurance.
No HR department.
No nothing, other than the depreciation expense of a fixed asset that simply needs raw materials dumped into a hopper.  They'll pay that one hopper-filler guy his $15 per hour.

I'll give you a real example from my business.  The minimum wage in California is $9 an hour.  We had an opening for a sign waver (you know, someone who stands on the corner waving a sign to attract business).  For us to get a decent person, we had to pay a 22% premium over minimum wage ($11 an hour) to the high school student who got the job.

The amount of new business he brings in by waving that sign justifies the premium we paid.

I guarantee you, if California makes me pay this kid $15 an hour, he will be replaced by a machine.



So, for a one-time cost of $840 - about what this kid makes in one month as a part time employee - he is out of work.

My employee loses the experience that comes with going to a job every day, even when you don't feel like it.  He never gets to learn the work ethic.  And if he's like me, my first job taught me that I did not want to be stuck in a dead-end job working for minimum wage (like many of my older co-workers were stuck).  It helped incentivize me to go to college so I could earn more money.

The state and city both lose, in at least two ways.  First, no employee taxes are collected.  Secondly, this kid is now more likely to join the growing line of recipients for government welfare programs.

Great plan, you idiots.

Throw Obamacare at us, and we reduce hiring levels or working hours.  Make us pay for more than the value of our employee's skills, we replace them with machines.  Pile on taxes and fees to pay for your socialist Nirvana, and we shut our doors and open them in another state - or another country - that understands and appreciates businesses.

Call it greed, selfishness or gluttony.  Oh stop, I'm getting all teary-eyed.  I call it survival.  I will risk my time, experience and capital to make my life better.  Will you do the same?  Or do you just want to force me into paying for your desired lifestyle?

Get in my way, and I'll innovate around your blood-sucking, self-entitled, me-me-me ass.  Now step aside.... I've got work to do.

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Copyright 2015 Bison Risk Management Associates. All rights reserved. Please note that in addition to owning Bison Risk Management, Chief Instructor is also a partner in a precious metals business. You are encouraged to repost this information so long as it is credited to Bison Risk Management Associates. www.BisonRMA.com

Monday, November 2, 2015

Reaping What You Have Sown

When behavior such as was demonstrated by the student in the previous article is allowed to go unpunished, this is the result.




Wake the fuck up, America.

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Copyright 2015 Bison Risk Management Associates. All rights reserved. Please note that in addition to owning Bison Risk Management, Chief Instructor is also a partner in a precious metals business. You are encouraged to repost this information so long as it is credited to Bison Risk Management Associates. www.BisonRMA.com

Wednesday, October 28, 2015

COWARD! Race Nazis Win Another One In South Carolina

The Cowardly Leon - Sheriff Leon Lott
I was having breakfast this morning with an old buddy, and this recent manufactured race-baiting incident came up in our conversation.

Him:  So, what do you think of that cop down South that tossed that girl from her seat?

Me:  I think the cop acted 100% appropriately.  Why?  What do you think?

Him:  Are you kidding me!  He grabbed that girl, flung her across the classroom like a rag doll!  How can you be OK with that?

Me:  Seriously?  What do you know about what happened?

Him:  Well, not much.  I just saw the video and a headline on Yahoo, and if that was my kid, I ..... well, I don't want to say what I'd do.  That was SO FAR out of line.

Me:  I know exactly what I'd do.  I'd be having my kid write a letter to the teacher, the vice principal, the cop and the sheriff's department apologizing for his behavior.  Oh, and he'd be giving an apology to the class for the disruption.

Him:  WTF?

I then proceeded to give him the facts, not just the manufactured race-baiting narrative.

The girl was not participating in the math class discussion.

Warning #1A, B, C ...:  The BLACK math teacher saw her texting on her cell phone, and REPEATEDLY asked her to stop and give him the phone.  She refused.

Warning #2:  The teacher then told her to leave the classroom.  She refused.

Warning #3:  The teacher called the vice principal (the school has 2 that might fit - a white man and a black woman - both of whom have to do with security and discipline).  The VP told her to leave the classroom.  She refused.

Warning #4:  The VP called the school resource officer.  He told her to leave the classroom.  She refused.

Four warnings.  Four opportunities to act like a civilized human being.  Four opportunities to cease the disruption in the classroom

Four opportunities to let this incident be resolved peacefully.

At this point, I asked my friend what HE would do, now that he had this information.

Him:  I don't know.  I just know that I wouldn't have done THAT!

Me:  That's not what I asked.  I asked you what you would actually do.  Would you suggest a group hug session so that the girl could feel better about herself?  Would you suggest that the rest of the class be asked to leave so that THEY didn't disturb HER?  What would you DO?

Crickets chirping.

We discussed what the police should do when a business owner, or home owner have a disruptive customer or guest that refuses to leave.  Do we just let them stay because they want to?

Me:  And what about the other kids in the class.  I'm sure at least some of them were actually there to learn something (it's a high school math class, so that may be a bit of a stretch!).  What about THEIR rights?  Their right to an education.  Should the obstinate, entitled, self-centered wishes of a disruptive fellow student trump the rights of the entire classroom?

Him: Of course not.  No reasonable person would do that.  But he still didn't have to be so rough on her.

Me:  Really?  So what would you have done?  After her 4 warnings, the cop grabbed her under the left arm to lift her from the chair.  She resisted.  She grabbed the chair with her right hand, holding on.  THAT'S when the flip-and-pitch occurred.  But not before she took a swing at him while she's still in the chair.  The cop pulled her VERY FORCEFULLY to break her grip from the chair, and she went flying.  What would you have done?  Use your Taser?  Pepper Spray her?

Him:  No, no, no.  None of that.  I just don't know.

Me:  Oh, and let me put a couple of cherries on top of  the sundae:  Both the BLACK teacher and the vice principal INITIALLY* said that the actions of the cop were appropriate to the situation.  And the "racist" cop - he's dating a black woman.  Has been for a long time.

(*  I'll bet dollars to donuts that they NOW "think" it was excessive force.  Wouldn't want to be called an Uncle Tom, right?)

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We finished up breakfast, I got home, and I saw that the cop had been fired by his cowardly sheriff - let's call him The Cowardly Leon.  The Cowardly Leon has also called the FBI and DOJ to look into civil rights abuses, blah, blah, blah.

What a worthless piece of crap.  The Cowardly Leon admitted that she had been given - and ignored - all of the warnings, that the teacher and VP said the force used by the cop was appropriate, and that she had taken a swing at his deputy.

And he still fired the deputy.

The Cowardly Leon threw his deputy under the Politically Correct Bus.  The Race Nazis win another round.

Oh, and his response to the question of, "What should the deputy have done?"  He answered to the effect of, "Deputies shouldn't be called to classes to remove disruptive students.  That's the job of the school."

Really, Cowardly Leon?  Then what are your deputies doing there?  Just figureheads?

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Here's what I know.  I know my grandchildren - whenever they arrive in this world - will NOT be going to government schools.  Not in a million years.

The government schools in our area have turned into war zones, with verbal assaults and threats being hurled at teachers - and nothing being done.  The only time there is any type of consequences is when there is a physical assault.  For now.  The inmates truly run the asylum.

Any attempt to enforce discipline is met with charges of racism.  So they don't enforce discipline.

When these uneducated animals "graduate" (I'll be discussing this in an upcoming post), they have no skills - academically or socially - and then wonder why they can't find a job.

Hey, government school:  You reap what you sow.  Teach kids to underachieve, and play the victim whenever their lack of achievement is in the spotlight, and you end up with the pile of dung in which we find ourselves.

Well done!  This is your, "Mission Accomplished" moment!


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Copyright 2015 Bison Risk Management Associates. All rights reserved. Please note that in addition to owning Bison Risk Management, Chief Instructor is also a partner in a precious metals business. You are encouraged to repost this information so long as it is credited to Bison Risk Management Associates. www.BisonRMA.com

Monday, October 19, 2015

Your Last Warning

Ahh, there's panic in the air....

The frequency with which various US and foreign officials are discussing - and enacting - "anti-cash" legislation is increasing.

I've discussed before the techniques that will be employed to restrict the use of, then eventually outlaw cash.  Some updates by governments instituting capital controls on its citizens:

Greece:  The headline says it all - Greek Cash Ban Escalates: 'Permanent' Stricter "Capital Controls" On 3 Million Pensioners, Civil Servants Imposed - Instead of the "Soup Nazi", they've got the "Cash Nazi"  -  "No Cash For You!"

If you work for the government or you're getting a pension in Greece, you are now limited in how much cash you can withdraw each month -
A shock-measure: civil servants and pensioners will be subject to stricter capital controls than the rest of the Greeks. They will be able to withdraw only €150 per week – with the cash withdrawal cap being €420 per week – that is a total of €600 per month. The rest of their wage or pension they will have to spend by using debit or credit card.
Why?  Tax collection, of course.  Or lack thereof.

USA:  Here in 'Merica, the Money Chiefs are now openly discussing Negative Interest Rates - and more.  What are negative interest rates?  Well, you give the bank $100 and must pay for the privilege of them holding your money.  Such a deal, right?
“Some of the experiences [in Europe] suggest maybe can we use negative interest rates and the costs aren’t as great as you anticipate,” said William Dudley, the president of the New York Fed, in an interview on CNBC on Friday[10/09/15].
... 
In fact, Narayana Kocherlakota, the dovish president of the Minneapolis Fed, projected negative rates in his latest forecast of the path of interest rates released last month.
Well isn't that special?  Two of the Federal Reserve presidents think negative rates are a good thing.

 ..."the costs aren't as great as you anticipate," - well thanks, sport, for letting me know that the money being taken from me isn't costing me very much.

But wait, there's more!  These wasculy wabbits know that everyone would just pull their bucks from the banks - causing bank runs - and that's just not a very good thing.  You must be punished for getting cash.  From the same article -
But to get a big impact of negative rates, a country would have to cut rates on paper currency, he pointed out, and this would take some getting used to. 
For instance, $100 in the bank would be worth only $98 after a certain period.
There has been talk of adding "timer chips" to new currency so that you can tell how long it's been since a customer took it out of a bank.

I think that's too clumsy.  I believe what they'll do is to charge a surcharge - like an ATM fee - whenever you ask for cash from a bank - even for over-the-counter transactions.  It's much cleaner getting their cut up front!

And if you're not aware, many banks currently charge businesses for cash deposits.  With my one of business banks, any cash deposits we make in excess of $5000 per month incur a 3% fee!  Another of my business banks (actually a credit union) doesn't do this.... yet.

And it's all for the same reason:  Tax collection.  Make it painful to use anything other than (traceable) plastic to make purchases.

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I've been talking about this, literally for years.  Dig through the archives to see this progression.  When the Fed and the Propaganda Media start talking about what a great idea this is, it's time to start doing something about it.
Although negative rates have a “Dr. Strangelove” feel, pushing rates into negative territory works in many ways just like a regular decline in interest rates that we’re all used to, said Miles Kimball, an economics professor at the University of Michigan and an advocate of negative rates.
[In a calm, soothing, trustworthy, albeit snooty "Frasier Crane" voice] Nothing to see here.  Come on, sheeple, this is for your own good.  It's for the greater good!

Y'all know I'm an advocate for precious metals.  This kind of activity only strengthens my position.

I want to give a couple of updated warnings, though.

First off, when I wrote, "The Beginner's Guide To Precious Metals", I discussed buying collectible (numismatic) coins.  It is actually the very first topic!

Because of this increased market value, counterfeits are becoming more and more common. Not only are fake coins being produced, some are being placed in fake PCGS or NGC slabs!
...
The downside to numismatics keeps me away from personally buying them. For the coin to have numismatic value, someone else must share your opinion of value. I fear that if we head where I think we're headed - to an Argentina-like economic crash - the numismatic market will be seriously hurt. There will be fewer people available to spend their money on "frivolous" purchases such as rare coins. If they buy coins, it will be because of the market value of the base metal.
God Bless collectors buying high-priced coins from my store, but they're not for preparedness-minded folks.

We recently came across an excellent forgery.  It was not detectable until the protective "slab" was cracked open and the coin was removed.

This little trick only works with coins that have the date on one side of the coin, and the mint mark on the other side.

In this case, it is a 1901 Morgan Silver dollar, minted from the Philadelphia mint.  In this grade (mint state 62) it is worth in the neighborhood of $8,000 to $12,000.

1901 Philadelphia Mint - Obverse


1901 Philadelphia Mint - Reverse

Oooops........

1901 Philadelphia Mint - Not so much!

What the counterfeiters did was, they married the obverse of a 1901 Morgan that was very inexpensive - likely the 1901 from the New Orleans mint (worth around $50) - with the reverse side of a Morgan from the Philly mint (these do not have a mint mark) that was also inexpensive.

Slice them down the middle, add some super glue, then put them into one of the big-name coin grader "slabs", and bang-zoom! you've got an expensive coin.

The key is the slab.  The older versions masked the edge of the coin.  The buyer did not have the ability to see the edge - thus they couldn't see the slice!  Genius!

Here's the kicker:  It was a real slab from this grading company.  Apparently, they had had a number of these older-style slabs stolen.

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The second warning has to do with the sudden marketing push for "Gold IRAs".  My personal opinion is that I don't like them at all.

First off, one of the beauties of owning physical gold and silver, is that if you pay cash for it (as you should be doing), you have effectively masked a source of wealth for governments to grab.  They can't take it if they don't know you have it!

With a Gold IRA, you do have the ability to buy your physical coins with pre-tax dollars (if you're eligible for a self-directed IRA).  But, now your gold is being reported to all flavors of government every single year.

While these self-directed IRAs are perhaps better than traditional IRAs - in that you have physical control of the assets - you've given up a huge benefit:  anonymity.

YMMV - just know what you're doing, and consider the consequences down the road.  Ask questions, be sure you understand the answers, and get them in writing.  You've become the custodian for the IRA, and aren't being compensated for the risk of not following the letter of the (ever-changing) law.



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Copyright 2015 Bison Risk Management Associates. All rights reserved. Please note that in addition to owning Bison Risk Management, Chief Instructor is also a partner in a precious metals business. You are encouraged to repost this information so long as it is credited to Bison Risk Management Associates. www.BisonRMA.com