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Sunday, July 22, 2012

Someone Call The Janitor, Please

On Tuesday of last week, I gave a class to a Homeowners Association that's been having some difficulties.  They are in one of the California cities that has declared bankruptcy.  They call the police, and unless someone is shot or stabbed, no one shows up.

The class was my Defensive Sprays and Stunning Devices [link] class.  The bulk of the workshop is devoted to how to determine which type of spray or stun gun is best for you - and how they work.

A good amount of time, though, is devoted to safety awareness.  In the class, I give the students 7 different scenarios to think about.  Road rage, date rape, home invasion, etc.  The idea is to think through each scenario before it happens so you can take steps to prevent it, or if you're caught unaware, how to best respond to the situation.

I've been working over the past few weeks on an eighth scenario:  Active Shooters/Zombies.

And then Thursday happens.  The whack-job in Aurora, CO went on the rampage and shot the hell out of a lot of innocent people.
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What are Active Shooters or Zombies, and why are they lumped together?

An active shooter is someone (or a group) each with one or more guns whose intent is carnage.  They're not using a gun to rob a store, or stick-up some old lady.  Their goal is to kill as many people as possible.  Usually, they don't care if they themselves live or die.  Many times, they have "an axe to grind" to set some perceived injustice right (they may have been fired or romantically rejected).  Many times they're politically motivated.  They have a silver-screen vision of themselves going down in a blaze of glory and becoming famous for their acts.

Think Virginia Tech, Mumbai, Columbine, a Dutch gunman (6 dead, 16 wounded in shopping mall), the Chechnyan rebels (nearly 400 dead, 800 wounded),  and the  Norway attacks (77 dead, 300+ wounded - Hmmm.  I thought all of these foreign countries were basically 'gun free zones'.....)

A zombie is someone who is usually chemically altered.  They're high on something.  With them, there doesn't seem to be any rhyme or reason to their killing.  They just pick someone in close proximity and attack them.

Think of the face-eating guy in Florida.

Their common thread is their lack of fear of death or capture.  Or remorse.  With a bank robber, for instance, you might be able to "talk them down" to convince them to put down their weapons.  If no one's been hurt, the penalty won't be so bad.

The Active Shooters/Zombies don't give a damn.  They're going to light your ass up regardless of your age, gender, race or occupation.  They're Equal Opportunity Murderers.

The other common thread is that it is very hard to plan a defense against the threat.  Part of my safety awareness is to stay away from certain parts of certain towns after dark.  If I go there, my chances of being robbed, beaten or killed go way up.  Thus, avoidance is part of my safety plan.

The Active Shooters tend to target areas with lots of soft targets.  Malls, schools, theaters, hotels.

As Ol' Remus at the Woodpile Report [link] (you do read it every week, right?) notes, Stay Away From Crowds.  Damned good advice.

But not always possible.  You've got to go to the grocery store for food.  To the mall for clothes and stuff.  To Walmart to keep the Chinese economy afloat (sorry, cheap shot).

You can limit your exposure by not going to movies, for instance.  Wait until they come out on DVD or Pay Per View.  Order your clothes online.  You get the idea.

Still, you don't want to become some sort of a paranoid shut-in.  You've got to live life.

Plus, when you throw in the Zombies, it doesn't matter.  They'll feast on your face where ever you are.

So your planning must revolve around your response to the actions of the bad guys.
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This is still a work-in-progress, so I'm going to hold off on more details until I get everything together, plus I want the hype surrounding this latest act of a madman to die down.

I'll share one thought right now.  Just as the USDA and the other alphabet soup agencies require warning labels on food, lawnmowers and coffee pots, I think they need to require "gun free zone" businesses to publish the fact that you are required to be defenseless against guns should their establishment be invaded.

Think how things in Aurora would have turned out differently if Mr. Redheaded Joker Dickhead had drawn his guns and seen this from the assembled movie-goers -



The immediate result would have likely been along these lines -


 And the only public service employee that would have needed to respond to the call would have been this fellow -



Don't be a victim.  Be aware of your surroundings.  Be prepared to protect yourself.  Work within the laws of your state or city if possible, but not to the point of putting your life at risk.


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Copyright 2012 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, July 18, 2012

Homemade MRE Update and Sausage Making

A few years ago, I did a post titled, Homemade MREs [link].  It was about putting together your own meal packs with food you can pick up at the grocery store.   You buy what you like, then use your Foodsaver vacuum sealer to pack it up. 

As I noted in the article, one of the drawbacks is that the "Best By" date on most store-bought foods is much shorter than it is for real MREs.  Commercial MREs generally have a 5 years shelf live.  It's difficult to find store-bought food with anything better than a 2 year life.

As most preppers know, the Best By date is iffy at best.  With few exceptions, food will last longer than the given date.  It may lose a bit of its flavor, or some nutrients, or some of its original color, but it is perfectly healthy to eat.

I'm here to confirm that.

In the packs I put together, I generally had a Main Course and then a bunch of filler food.  The main meals generally consisted of either canned fish (kippered snacks are one of my favorites) or ready-to-heat-and-eat courses like Mac and Cheese, Spaghetti and Meatballs or something similar.  I've really grown fond of these -






 What I like about these is that you can heat them in a number of ways.  You can throw them in the microwave, or if that's not available, you can throw them in boiling water to heat them up. 

This one pictured above of turkey and dressing was 18 months past its Best By date, and I ate it cold.  No nukin' it, no nuthin'.

It was great.  No noticeable difference in taste, color or texture from fresh-off-the-shelf packs.  Really, it was very good. 

I also ate some Mac and Cheese in these little round tubs.  I don't recall the brand.  1 year past its Best By.  This one, I did put it in the microwave.  While its flavor and texture were normal, the color of the cheese had darkened.  Not some hideous mud color, but a "burnt umber" color instead of the usual Day Glo orange.

Lastly, I ate a Compleats of Spaghetti and Meatballs.  Nearly 2 years past the date.  I ate this cold as well.  Like the turkey meal, it rocked.  Very, very good.

In all of the packs, I usually included a bag of dry roasted peanuts and a long-term (1 year) protein bar.  While both were edible, they were nothing to write home about. 

The nuts were packed in a snack sized zip lock bag, which was then placed inside the Foodsaver bag.  They tasted stale.  The protein bar had gotten dry and crumbly.  I choked it down, but I needed a LOT of water.  Not a good thing in a survival situation with scarce resources.

The take-away:  To get the best over-all results, stick with non-cheese meals - at least if you think you will be eating them past their Best By date.  I'd stay away from the nuts as well.  In my new packs, I'll be swapping the protein bars for one or two of the Millennium Energy Bars [link].  These have a 5 year life and are very tasty as well.

As a side note, in my Get Home Bag, I've already swapped out the Mainstay brand survival bars for the Millennium bars.  I like the flavor better, and there is much more variety (10 flavors versus 1 flavor).
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Why make your own MREs when the commercial ones, in general, are less expensive and have a longer shelf life?  Variety and comfort.

The commercial MREs - of which I own many cases - have a sterile, rigid "vibe" to them.  I think if it really got bad, popping open something from Quaker or Chef-Boy-Ar-Dee or Hormel would provide a bit of mental comfort.

Maybe right, maybe wrong, but it's how I'm rollin'....
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On my recent trip to Idaho, on the way home, we passed through Reno.  Whenever I go to Reno, I MUST stop at the Cabella's that's in the area.

I was snooping around and picked up a couple of small ammo cans and some gun cleaning supplies.  I was in the "Smokers and Dehydrators" area and saw some collagen sausage casings.  I'd used these once before and didn't like the results - I'm a natural casing kinda guy!

I was getting ready to leave the area, when I spied these on the shelf -



Yeah, natural hog casings.  UNREFRIGERATED natural hog casings [link].  They caught my attention.

In reading the package, it tells you that there is at least 50 feet of casings in the package.  They're packed in salt, and are only required to be refrigerated after the pack is opened.  They were $7 in the store (add a dollar if you're buying online).

I picked up a pack and when I got home, I made a batch of my world famous Italian sausage.

In the past, when I've bought casings from my local butcher, they've either come packed in salt like these or in a salt water brine.  They come in very long, whole lengths of 20 feet or so.

These were cut into 5 or 6 foot lengths.  I was making 5 lbs of sausage, so I needed 10 feet of casings.  I rinsed them thoroughly, then soaked them in clean water for 2 hours.  Dumped the water, added some more fresh water, and soaked them for another hour.

Sheathed them up on my sausage stuffer, and here is the result -



The casing performed flawlessly.  They loaded onto the stuffer just fine.  I got no tears or rips while stuffing.  And they held up perfectly when grilled (tip:  Whenever cooking any kind of fresh sausage - commercial or homemade - parboil the sausage first.  Either in beer or salted water.  It toughens up the casings for grilling/frying while melting some of the fat which can cause flare-ups).

I'm tellin' ya, people, there is nothing like homemade sausage.  Besides the improved flavor, you KNOW what's in it.  No snouts, no ears, no peeing parts or whatever.  Just the pork you grind.
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If you've never made sausage before, here is are links to two posts I did back in 2009 [Making Sausage - Part 1]  [Making Sausage - Part 2].


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Copyright 2012 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, July 16, 2012

A Tale Of Three Financial Scandals

Hey, long time, no see.... sorry, folks.

Any-hoo, these past couple of weeks, I've been tied up in finances.  The PM store fiscal year ended a couple of months ago, the firearms training fiscal year ended last month, and the sales tax for the second quarter are due the end of this month.  In short, I've been up to my armpits in different tax preparation issues.

During this time, there have been a number of financial "scandals" that have hit the news pipelines.  What I find interesting is that the least important of the three is getting the largest amount of press.  Smoke and mirrors, folks....

The largest single item - in terms of its impact on most Americans - is likely to be the LIBOR scandal [link:  The Worst Banking Scandal Yet?].  Most folks may have seen a quick mention of this on the news, and then POOF!  it's pretty much disappeared.

In short, LIBOR is one of the many interest rate "benchmarks" that banks use to set their internal rates.  LIBOR is mostly used for home loans, but a bank can choose to use it for any lending product.  The banks that set this rate were artificially forcing the rate downwards.

That might seem like a good thing - the rate you get on a home loan would be lowered.  That may or may not happen, as the bank can charge any margin - a spread above the LIBOR rate - that they wish. 

How this has a good chance of negatively affecting you personally is if you have any kind of retirement account.  By the banks colluding to suppress rates, they ended up paying much less in interest payments on bonds they've issued, and your retirement fund may have purchased for the interest income stream.

How much less?  How does THREE HUNDRED BILLION DOLLARS A YEAR grab you?  And that's the low estimate.  It could be as high as seven hundred and fifty billion dollars.

Put this into your personal data banks:  All of the banks doing this are regulated by some sort of federal banking agency (either here or abroad).  How's that working out?  Smoke and mirrors...
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Scandal number two is like Groundhog Day.  We've seen this one before - and will likely see it happen again.  And again.

Like the Bernie Madoff scandal, and the MF Global/Jon Corzine scandal, a company called PFGBest reached into the pockets of their customers and stole their money.

So far, this is the smallest of the rip offs.  It ONLY looks to be around $250 million dollars.  Guess it would suck if that was my $250 million....

How did this financial mastermind pull off this theft?  With a PC and an inkjet printer.  The CEO would cut-and-paste information from various checking account statements, and present this information to..... wait for it..... FEDERAL REGULATORS [link].
Wasendorf wrote that he quickly learned how to falsify online bank statements amid the rise of Internet-based banking, and that "regulators accepted them without question."


Know how they caught this guy?  He didn't show up for work, so someone went by his house and they found him sucking the tailpipe of his car.  The razor-sharp regulators decided to re-check the information from their recent audit, and THEN they figured out they'd been hoodwinked.

For all of these years, their "federal audit" had consisted of taking the word of the entities they are "regulating".   No need to verify the information.

Like the LIBOR scandal, this is getting little public notice.  Wouldn't want to embarrass the administration or its top-notch watch-dogs keepin' your money safe.

More smoke and mirrors....  Gotta divert the attention of the masses....
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Our third scandal is the smoke and mirrors.  Like Congress huffing and puffing over the Roger Clemens steroid scandal (something over which they have no Constitutional control), JP Morgan is being drawn and quartered in the public press and before Congress.

For an insignificant loss as a result of a failure in their internal controls.

Chief!, you may be saying, they had a loss of nearly $6 billion dollars!  Well, yeah, they did.

So what?

They have assets totaling nearly $2.5 trillion.  A six billion dollar loss is equal to about ONE QUARTER OF ONE PERCENT of their asset base.  To put that into perspective, if you had $100 in your pocket, it's the equivalent of losing twenty-five cents.

It's nothing.  Unless you're Congress and the administration in charge of financial regulation, and see yet another opportunity thump your chest and shake a bony finger at some rich-assed banker.

And to divert attention away from your real failings.

You see, the LIBOR and PFGBest scandals cost real people real money.  The only people potentially hurt by the JP Morgan incident were the shareholders.  How did the markets react last week after JP Morgan discussed the changes they've made and reported their most recent earnings?
Investors cheered the bank for capping losses and taking steps to ensure it avoids similar bad bets in the future. JPMorgan's shares rose 6 percent on Friday.
Yeah.  Scandalous. 


Accept The Challenge


I think I have a new Rule Of Thumb.  If Congress is holding hearings, it is probably a diversion away from a real problem.  When hearings happen, I'm going to start sniffing around the edges to figure out the real issue.


Sure, sure, sure, occasionally, Congress actually does its job.  The Fast And Furious hearings are a perfect example of Congress performing its oversight duties.  The Administration is in full CYA-mode, but Congress is at least trying to do its job.


It would sure be nice if the Compliant Press devoted as much air time and column inches to real scandals and instances of law-breaking, as they do to issues which are used to get Americans to take their eye off the ball.


I know.  Keep dreamin'....


No one but YOU is responsible for your education.  If you choose to take what's being fed to you, you are responsible for the end result.  They want to feed you the hot-and-juicy burger, and you're slurping it up.  Don't complain when you end up a fat, listless blob.


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Copyright 2012 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, July 3, 2012

PM Caveat Emptor

This past Saturday, I saw the result of the biggest screwing I've seen with regards to buying numismatic (collectible) coins.  As my staff and I noted afterwards, he had, uhm, involuntarily engaged in a form of sexual congress which is illegal in many states.

This guy came into our PM store with a certified coin by one of the reputable grading companies.  These certified coins are called "slabs" as they are encased in a clear plastic case, which if broken, invalidates the certification of the coin.

He asked me if I had ever seen this coin before.  It was a 1907 $20 Saint Gaudens gold piece.  It was a special variation which had a flat rim.  It was graded AU55.

Coin grades range from 1 to 70.  The higher the number, the better the coin.  The 50's range is called About Uncirculated (or AU).  These are coins which have very little wear from circulation.  An AU53 has more wear than an AU58 - this last grade being just below the 60's range of Mint State (or MS - uncirculated).

Slabbed coins have a serial number on them.  You can go to the website of the grading company, and verify that the coin in the slab is in fact the coin that was graded.

I keyed in the serial number, and I verified the coin.  With certain coins, the grading agency will estimate the market value of the coin.

This coin had a market value of $14,000.  Yeah, fourteen thousand dollars!

To put that into perspective, the coin contained about $1,550 in gold.

The vibe I got from the guy was that he didn't know what he had.   I asked him if he knew that he had a very special coin.

Yup.

I asked him how much he paid for the coin.

Twenty-six.

Sweet!  Twenty-six hundred?

Nope.  Twenty-six THOUSAND!  Actually, twenty six thousand, five hundred.

Oh crap.  When did you buy this coin?

This week.
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I did a bit more research, and found out that the value the grading company affixed to the coin was high.  By about $2000.  [Note:  These companies are guaranteeing the grade of the coin, not the value.  They all tend to pump up the price to make themselves look like they are the ones that handle all the pricey coins.]  I could probably get my hands on the same coin for around ten or eleven thousand, and would retail it to him for about twelve or thirteen thousand.  Tops.

He had purchased a half dozen coins.  All graded.  All over priced.  He remembered the specifics on two of them and paid more than double what he should have for each of them.  He only got screwed out of a couple of thousand on each of those coins.

I asked him about the outfit that sold him the coins.  It is located in Texas.  They promised him that he could return the coins for a full refund if he wasn't satisfied.  He said that, if he must, he will go to Texas to get his money back.

If he gets his money back, I will make a campaign contribution to Obama.  My money is safe.
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I asked him why he was buying numismatic coins as opposed to bullion.  His reasoning wasn't horrible.  He was putting his retirement funds into collectible coins, since he had heard that they retained their value better than straight bullion.

I told him that, if buying collectibles was his investment strategy, now really is a very good time to do it.  The premium for collectibles is way down.  It's a good time to buy them, and a bad time to sell them.

I asked him if he understood the risks involved.  His coin, for example, even if he had only paid market values, still had greater than an eight-fold premium assigned to the value of the coin.  I told him that personally, I don't want my investments dependent upon someone's opinion of its value.  Market risk is enough for me, thankyouverymuch!

I gave him my card, and told him to come back when he got his money back, or when he was ready to spend some more of his retirement on coins.
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You guys have seen these ads on TV.  The "Gold Buffalo Tribute Proof".  If you don't know what I'm talking about, go here [link].

They've taken the US mint's pure gold $50 Buffalo coin (with about $1600 in gold in them), and made a "tribute" proof coin.  They tout the coin as containing 14 milligrams of pure, 24 karat gold.

They tell us that the coins were originally slated to be offered at $50 each, but it's just your luck that they're going to give them away for ONLY $9.95 (plus $4.95 s/h).  Fifteen bucks all in.  You're strictly limited to only 5 coins.  Act now!

Yeah.

Let's do some math.  Let's say an ounce of pure gold is going for $1600.  There are roughly 31.1 grams per troy ounce (troy ounces are used in measuring precious metals).  So, one gram of gold is worth $51.45.

A milligram is one one-thousandth of a gram.  That would make one milligram worth around 5.1 cents.  Multiply that by the 14 milligrams and the gold value in the Tribute Proof is valued at 72 cents.

The coin itself is made from bronze and weighs about an ounce.  I have no friggin' idea what an ounce of bronze would cost.  Bronze is around 90% copper.  That runs $3.50.  A POUND!  Since there are 16 ounces to a pound (NOT a troy pound) that gives us -  at most - another 22 cents.

Let's round this up and say there's a buck's worth of metal.  And you can have one delivered for $15!

I wonder if my Saint Gaudens guy has heard about this great deal.....

Accept The Challenge

When making any kind of investment, knowledge is king.  It's clear that the guy that paid $26,500 for a coin worth half that had no idea whatsoever about what he was doing.  None.

No one would knowingly spend twice what they had to for a given item (unless you're a government agency).

I think this has to do with how our society has been trained by our schools and other government institutions to simply follow instructions.  Don't drink this.  Do eat that.  Don't buy this.  Do buy that.

His very skillful - if dishonest - salesman told him to buy these coins, and he did so.  Unquestioned obedience can be expensive.

If you're going to buy precious metals - numismatics or bullion - do yourself a favor and read this post of mine from April of last year [link Entering The PM Pool].  It has links to 5 other much more detailed posts I've written on most facets of buying precious metals.

These posts shouldn't be your be-all-end-all for PMs.  They could be your starting point.

They could overwhelm you and make you more confused.  If that happens, you shouldn't buy PMs.


If they pique your curiosity, dig deeper.  Get more education.  Go to a coin shop and talk to the staff.  Find out their opinion and why they believe as they do.  Does their view jibe with yours?


Start slow.  Be alert to market influences.  Stay educated.


Oh, and don't buy crap off of TV or from some faceless voice on the telephone.  Those TV ads and bullpens full of telemarketers don't come cheap...


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Copyright 2012 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, June 29, 2012

Financial Xenophobia

I must be one big heartless, grouchy, mean, tight-wad SOB.

One of the quickest ways to get my boxers in a bunch is to talk about how some group is under-served.  Or disadvantaged.  Or distressed.  Or some other Statist-speak phrase that indicates the "demographic" isn't consuming adequate amounts of redistributed wealth  - as defined by some bureaucrat in DC or a state capital.

After all, they wouldn't be in the piss-poor situation they find themselves in if only more money were thrown their way, right?

When I get pissy over this topic, I get gasping, horrified protestations that I want to take food from the mouths of babes I didn't sire.  Or have my sanity questioned about how could I be so stupid to not want to "invest" in the higher education of some person I've never met.

I guess I'm just xenophobic when it comes to my pocketbook.
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What spun me off this time?  This [link] memo from the FDIC regarding the Community Reinvestment Act (CRA).
The federal bank and thrift regulatory agencies today announced the availability of the 2012 list of distressed or underserved nonmetropolitan middle-income geographies where revitalization or stabilization activities will receive Community Reinvestment Act (CRA) consideration as "community development."
You know that the CRA is the core cancer of our current financial woes, don't you?  In my old banking days, I used to be the contact person when the CRA did their audits.  I know this cancer inside and out.  Since you insist, I'll give you the condensed version of how we got here:
In 1999, Clinton passed legislation that gutted the Glass-Steagall act.  Glass-Steagall is the Depression-era law that had prevented commercial banks from owning investment banks (and vice versa).  The former being financially conservative institutions that brought in deposits, made loans, and made their profits on the interest rate spread.  The latter type of bank are high-risk (and potentially high-return) gamblers.


In return for taking the ownership handcuffs off of the Republican-sponsored banks, the banks agreed to a more expansive version of the Democrat-sponsored CRA.  You wanna play, you gotta pay.


The banks could either give money directly to "disadvantaged" groups, or they could make them loans.  Figuring they at least had a chance to get some money back from a loan, they mostly took (and still take) that path.


But it still wasn't enough.  Destroyers Of The Realm, Mssrs. Frank and Dodd, pushed for still lower credit standards for people financially unable to own a home (you're considered underserved if you don't have any money or a house - at least this way, Frank and Dodd could give you a house).


Things "progressed" but still not quickly enough.  Frank and Dodd got Freddie Mac and Fannie Mae to guarantee these shoddy home loans.  The banks went nuts.  Who wouldn't?  I'd make a loan to a corpse if the federal government guaranteed repayment!


The debt contagion really spread now.  Since the "paper" was federally guaranteed, it could be securitized - bundled into huge chunks of loans and sold as investment grade paper to insurance companies, REITs, investment houses, foreign governments - you name it.


The bubble burst and all of this "wealth" evaporated.  It never was real wealth, it was debt masquerading as wealth.
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So now, the brain trust in the CRA is looking to find other wealth-sinks.  They've scoured the nation and found new places for banks to dump invest money - distressed or underserved nonmetropolitan middle-income geographies.

Gawd, I just want to projectile vomit.  Throw money at a problem and the problem is fixed.  No consideration for "natural" economic cycles of growth and contraction, because contraction means someone will lose, and we just can't have THAT.

Expect another bubble, folks.  While this isn't directly your money, it is indirectly.  Banks will pay for this with new fees, higher borrowing rates, lower (if possible) deposit rates and essentially "free" loans from the Federal Reserve.

One way or the other, you're payin'.

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I'm really not a monster.  I feel a moral obligation to help those in my community that are having a tough go of it.

And I meet that obligation.  Where I choose.

What I can't live with is when someone else decides where my money goes.

For instance, could someone please explain to me the societal benefits of spending tax dollars on Low Income Housing?

This horrific social engineering scheme gives a financial incentive to people who are unable to afford to live in a given town, neighborhood, or state.  The authority that is providing this incentive is making the following statement:
We understand that you can't afford to live here.  We want to have you come to our town, and we'll help pay for your housing.  Since you can't afford the rent, chances are you can't afford the food, utilities, medical and other living expenses.  No worries, they're on us.


Statistics in our state show that the crime rate in areas with subsidized housing (either in public housing or in Section 8 homes) is MUCH higher than it is for the general population, so we also acknowledge that you will consume more than your "fair share" of police and emergency medical services.  Again, no worries.  You're worth it!

Now, don't go gettin' all "self-reliant" on us!  You do realize that you'll be penalized - that means 'cut off' - if you go out and make too much money to qualify for our tax dollars, right?  Just stay under the radar and you'll be able to stay on the Gravy Train for your entire life.  

Be sure to teach your kids these lessons as well.
Welcome to our community!
I will happily give my money to support organizations that qualify and discriminate.  
How many times have you been here to use our limited resources?  Twice?  Well, sport, you're on your last leg.  Three times, and you're out.  We're gonna help you this one last time, so you'd better make it stick.  Otherwise, meet Mr. Gutter.  It will be your new home.

Why is this attitude of expecting people to care for themselves so foreign to us nowadays?  

Everyone, and I mean everyone, can find themselves in a situation where they are at the bottom of their barrel and need help. 

Back in the early 1990's, I found myself damned close, so I get it.  A series of events all happened at once, and I was caught by surprise.  I thankfully never had to ask for help, but it was so close we had the paperwork filled out.

Our first instinct wasn't to ask for help, it was to figure it out for ourselves.  I sold real estate and worked for a temp agency during the day, and in a warehouse at night.  It was horrible, insufficient pay, but it WAS some pay.  It let us bob and weave until another decent banking job came around.

I don't want to get all puffy-chested, but I had personal pride.  The last damned thing I would ever let happen was for someone else to pay for the food going into the mouths of my kids.  There would have to be no other options whatsoever before I'd succumb to that.

I guess I'm just some freak who is out-of-touch-with-reality.

Today, girls get knocked up and go straight for the TANF [link] and WIC [link].  They don't go after their baby's daddy 'cause that just ain't cool.  Let Uncle Sugar foot the bill.

There's no shame.  Since they don't feel the social or economic pain of their choice to spread their knees or seed, they continue their behavior unabated.  Why not?  They're rewarded for doing so.

Keep feedin' the beast.  See how well it's turned out?

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Copyright 2012 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, June 26, 2012

Acclimate

ac·cli·mate/ˈakləˌmāt/
Verb:
1.Become accustomed to a new climate or to new conditions.
2.Respond physiologically or behaviorally to a change in a single environmental factor.
Most of the time, when we think of the term acclimate, we think about going from one type of climate to another.  Let's say your employer wants to move you from Hawaii to Alaska.  Your body, your psyche, your way of life dramatically changes, and it takes a while to get used to the new environs.   Going from winters with balmy 70 degree nights, to sub-zero temperatures - for weeks or months at a time - can be a shock.

You might very well tell your employer that you're not interested in making such a change.  You resist the move.  Not NO...  HELL NO!

Politicians and governments know this.  They understand that introducing dramatic change in a short period of time causes shock.  Shock can result in resistance.  So they make the changes gradually.

Instead of moving from Hawaii to Alaska, your company offers a move to San Diego.  It might not be quite as lush and warm as Hawaii, but you can pretty easily make the change.  It's still warm most of the time, plenty of eye-candy to check out, and there are even some benefits.  Gasoline and food are both cheaper.  And the pay raise and additional health benefits seal the deal.

Hey, maybe this isn't so bad after all!

In a couple of years, the company moves you to Northern California.  More money, more benefits.  Then to Washington state.  Pretty soon, you're living in Idaho, then Montana.  Before you know it, you're fully conversant on how to combat the bomber-sized mosquitoes in Alaska.

By this time - years down the road - you only have faint memories of the warm beaches.  You've gone from an idyllic life to one which presents a number of barriers to living your life as you see fit.  No more choosing to take a skinny-dip in the ocean at midnight.  If you don't follow the laws of nature in Alaska, you end up dead.  And you've consented to each and every step that brought you to this point.

You willingly gave up freedom for (financial) security.

In the early 1900's, you could exercise your unambiguous, enumerated right to keep and bear arms, and buy a gun from the Sears catalog.



Today, if someone directly sent you a handgun in the mail, the delivery man would be a federal agent - preparing to introduce you to the federal "justice" system.

Without the Constitution changing by one word or one comma, your ability to keep and bear arms has been infringed.  Regardless of where you live in America, it is more difficult to buy a gun nowadays.  In a few states, and in many more cities - for all intents and purposes - it is illegal to own a handgun.

This change didn't happen over night.  Politicians - whom we all elected into office - made these changes.  They gradually relocated us from Hawaii to Alaska, and we didn't even care.  Hell, most have embraced the move.

We've been acclimated to the change.

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Sometimes, the politicians need to quicken the pace of change.  They need something altered or recognize an opportunity to expand their powers, and they jump.

I've written a number of times about how you get a change to take hold.  The tactics are similar whether you're subverting the fourth amendment by conducting warrantless car stops in search of drunk drivers (and whatever else you might find), or whether you're bastardizing the "general welfare" clause by forcing Americans to pay into a retirement program that has unsurprisingly turned more Ponzi than protective.  From the Social Security website -
Justice Cardozo wrote the opinions in Helvering vs. Davis and Steward Machine. After giving the 1788 dictionary the consideration he thought it deserved, he made clear the Court's view on the scope of the government's spending authority: "There have been statesman in our history who have stood for other views. . .We will not resurrect the contest. It is now settled by decision. The conception of the spending power advocated by Hamilton . . .has prevailed over that of Madison. . ." Arguing that the unemployment compensation program provided for the general welfare, Cardozo observed: ". . .there is need to remind ourselves of facts as to the problem of unemployment that are now matters of common knowledge. . .the roll of the unemployed, itself formidable enough, was only a partial roll of the destitute or needy. The fact developed quickly that the states were unable to give the requisite relief. The problem had become national in area and dimensions. There was need of help from the nation if the people were not to starve. It is too late today for the argument to be heard with tolerance that in a crisis so extreme the use of the moneys of the nation to relieve the unemployed and their dependents is a use for any purpose [other] than the promotion of the general welfare."

And finally, he extended the reasoning to the old-age insurance program: "The purge of nation-wide calamity that began in 1929 has taught us many lessons. . . Spreading from state to state, unemployment is an ill not particular but general, which may be checked, if Congress so determines, by the resources of the nation. . . But the ill is all one or at least not greatly different whether men are thrown out of work because there is no longer work to do or because the disabilities of age make them incapable of doing it. Rescue becomes necessary irrespective of the cause. The hope behind this statute is to save men and women from the rigors of the poor house as well as from the haunting fear that such a lot awaits them when journey's end is near."

Getting the change to "stick" requires a compliant Congress to write the law, and a compliant SCOTUS to bless it. 

[Side note:  This Thursday will be interesting when the SCOTUS releases its ruling on ObamaCare.  Reading the precedence and logic of the constitutionality of Social Security, I don't see how ObamaCare couldn't be affirmed as constitutional.]

But you've got to first sell the idea to the public.  To affect this change, you take one of two courses.  The first is Public Safety.  Bring up a horrific incident or event, and use it as the foundation for usurping rights.  Drunk driving is a great example.  Some mother tragically lost a child to a drunk driver, and was able to touch the hearts of millions of Americans. 

Politicians across the nation jumped on this bandwagon.  Each positioned themselves the tougher champion of dead kids everywhere.  This morphed into warrantless car stops looking for drunk drivers.

When there would be push-back, the cry from MADD and the politicians was, "If just one child is saved.... if just one family is spared the pain and sorrow of losing a child before they had a chance to blossom, it's worth the sacrafice."

The SCOTUS blessed the warrantless searches in some broad, national safety guise.  Public safety trumps personal freedom.

We saw it happen again with 9/11.  Bush and Company saw the opportunity to designate the entire world - including the US - as a battlefield full of terrorists.  To keep us safe, we're told, required giving up a few rights.  Nothing that God-fearing Patriots wouldn't be willing to sacrifice.

Like personal and financial privacy.  Or freedom of movement.  Only terrorists need those things - not Real Americans.

The masses chug this line of "reasoning" like it is free beer at a frat house.  They can't get enough of it.  They'll even repeat the mantra of, "If you've done nothing wrong, you should have nothing to hide."

The result is the gradual, irretrievable loss of rights.  Poof!  No mas, baby.

Your persons, houses, papers, and effects can be searched at the whim of a government agent, and your fellow citizens think it's a good idea.
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The second course of attack is a bit more difficult, and usually takes more time to stick.  Again, some arm of government feels the need to expand its sphere of influence, or as in the following example, assert its supremecy over the population.  They want to flex muscles they don't legally possess.

They'll use the close cousin of safety (or lack thereof) - fear - as their tool.  What they'll do is make an overt power grab, fully expecting outrage from the population.  They take the spanking, giving back what they've taken.  Well, most of what they've taken.

Over the last few years, we've seen press reports of increased frequency of military units "training" on American soil.  The story is always, "Nuthin' to see here.  We're just doing this to get our boys prepared to maintain the peace in [insert name of some God forsaken country].  Doing our job overseas keeps the crazy bastards off of US soil.  Ooo rah!"

This is a specious argument, of course.  What the government is doing is projecting  a positive outcome (i.e., keeping the crazy bastards off of US soil) with a clearly unconstitutional action (US troops operating on US soil). 

The fear of shoe bombers, underwear bombers and other assorted terrorists is more than enough incentive for most Americans to give TPTB all the leeway they need.

In this case, it starts with a public training exercise.  People - seeing military vehicles passing through their town - are a bit worried, but mostly curious - and the press reports what's happening on the local military base.

The next time, they conduct a joint training exercise with local police agencies.  We're just training - just picking up good ideas to use elsewhere.

That progresses to acting in an active supporting role with local authorities [link],   No worries, we're just helpin' out.

Then, it's Game On.  The military just moves in, uninvited -
The Aug. 10 report says it does not appear the historic tradition of limiting direct military involvement in civilian law enforcement activities was analyzed or considered.

It says the intent was to be a good Army neighbor.

The Army earlier confirmed that 22 military police and an officer were sent to Samson after the mass slaying of 10 people on March 10.
Oh.  They're just being good neighbors.  We all like good neighbors, don't we?

I thought Good Fences made Good Neighbors.  I must have been mistaken.

They're acclimating us to the idea of US troops operating on US soil is a good thing.  Another board in our Constitutional Fence just got kicked over.
---

Like the first course of action, they always wrap their actions in the warm blanket of safety, but they'll add a side dish of patriotism.  Yer either fer us or agin' us!

We saw Bush do this with the USA PATRIOT Act.  Personal privacy is now a distant memory.  Any local or federal official simply needs to whisper "terrorist" under their breath, and any semblance of personal freedom is vaporized.

Obama has followed this up with the NDAA and its teeny, tiny provision that, well, Americans can be snatched up anywhere in the world - including on US soil - and "disappeared".  No court.  No lawyer.  Habeas corpus?  Surely you jest.  You just don't show up for work on Monday, and no one knows anything about it.


Soon, America will be a Free Fly Zone with drones buzzing our airspace.

"Hey!  We'll only use the drones to catch America-hating terrorists, murderers, rapists and to find little children that have been snatched from their loving families.  Only terrorists, murders, rapists and perverted kidnappers could possibly be against this modern crime-fighting tool."


Personal safety.  Fear.  National Security.  Patriotism.  All wrapped up in a nice, neat package.

It's a bit chilly around here, but you get used to it.  Really.

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Copyright 2012 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, June 22, 2012

Idaho Dreamin'

My wife and I are on a roadtrip looking for rural properties outside of The People's Republic of California. 

Although we've both lived in CA our entire lives, that's no longer enough justification for remaining.  We're leaving this festering boil on the ass of America.  We're taking our retirement monies, PM's, skills - and most importantly from the perspective of California - our taxes, and we're going to use them more productively elsewhere.

We're in Idaho right now.  This is our second trip to this fine state.  We both made a similar comment yesterday:  People are so nice.

We weren't talking about the people who are paid to be nice, such as hotel clerks.  We're talking about regular people you interact with while out living life.  "Hello," "Please,"  "Thank you,"  "Pardon me," are phrases nearly relegated to the history books in California.  They're commonplace here.

I like that.
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I have a Utah non-resident concealed carry permit.  As such, I'm able to carry concealed while in Idaho.

For those of you who are unaware, when you go to a state with another state's CCW, you must follow the laws of the state you're in, not the state that issued the CCW.  As such, I was reacquainting myself with Idaho's gun laws.

Man, I love this place.

In California, the summary of our gun laws runs 66 pages (the last time I checked).  Again, that's the summary, not all of the nitty-gritty legal crap that no one understands or can apply uniformly.

Idaho's gun laws - if I had to guess - run maybe 5 pages.  Perhaps a bit more.  Their summary fits neatly on a single web page [link].  I can summarize it in a couple of sentences.
As long as you're not a menace to society, you can exercise your constitutional right to protect yourself.  Here are the handful of place where you can't carry a gun.  If you act like an idiot with your gun, we'll take it, and your CCW away.  Act lik an adult, and we'll treat you like an adult.
Amazing.  A state that recognizes that it has no need or desire to micro manage every aspect of a citizen's life.  Especially when it comes to the most basic right of self-preservation. I think my wife and I are going to have to go to one of those Moonie Deprogramming-like workshops to clear the decades of Nanny State indoctrination to which we've been subjected.
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Sorry, but I can't find the link, but when I was getting reacquainted with Idaho's gun laws, I ran across a big Middle Digit Salute to the federal government.  The state legislature passed laws asserting that guns made in Idaho and which remain in Idaho are not subject to federal oversight or control.  Since they don't cross state borders - which would trigger the much abused Commerce Clause - the tenth amenment applies, which confers sovereign power to the states.

I had seen similar laws being drafted or passed in Montana and Wyoming (I believe) but hadn't heard about anything in Idaho.

I dig it.
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I'm going to be using my SmartCarry holster (link to my April review) while in Idaho.  I've worn it while at our PM shop, but never for a long period of time when I'm up-and-down and driving a lot.

I'll publish my additional thoughts in a later post.
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My wife has picked 4 years as the horizon for her retirement from her current position.  My dream would be to identify a property in the near-term and buy it now.  Many of the properties are currently producing cash crops.  Orchards, hay, even corn (none with that Idaho super-star - spuds).  Buy the property and let it pay for itself until we move and run it ourselves.

I've got a family friend who owns and operates orchards who can give me information on what to ask and look for when dealing with fruit.  Hay, that's another issue.

I've been looking at a number of sites with information on growing and marketing the stuff, but I can 't tell how you make a buck at it.  It looks like hay sells for about $200+/- a ton.  Is that how much the farmer gets after it is cut, baled, stacked and shipped?  That's what I'm guessing. 

That's before you factor in the cost of seed, water, cutting, baling, stacking and shipping.  How much does all of that mess cost?

Also, I've seen some info on yields per acre.  I saw one that said in Idaho, they were getting 4 tons per acre.  Does anyone know if that's per cutting or gross per year?  If it's the latter, I don't know how you make any money, unless you get on the Nanny State Farm Subsidy Train, or have a zillion acres to cut.

Any insight anyone has got would be much appreciated.

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Copyright 2012 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, June 19, 2012

Tick, tick, tick...

I was talking to my wife, I believe, about the euro and the European Union (EU).  I made the comment that it's long been almost common knowledge that the EU was going to fail from the very beginning of its existence.

She looked at me with the, "Hey, a**hole, not everyone spent 30 years in banking" and would know this.

Oh.  Right.

OK, so, the problem from the get-go with the EU was that it was ONLY a financial arrangement.  The political portion is weak, at best.  Without politics and finance working in conjunction, you're doomed for failure.

As has happened, you can have one country that says, "We're going to set up a Social Security system that lets people retire at age 50 and get paid what they were getting paid when they were working.  We're going to give them 8 weeks of vacation, and make sure they're always happy and content, regardless of the cost."  Obviously, unless you have a massively growing tax base, the existing (or shrinking) tax base simply can't support the cost.  The tax base shrinking as the tax draw grows ain't a healthy economic model.

So you have to borrow to pay for your promises.

Here in the US where the Treasury Department is part of the US government, the govenment can tell the Treasury exactly how to behave.  In the EU, it's a different story.  The European Central Bank doesn't take it's orders directly from Germany, France or any of the other individual EU members.  They don't have direct control.

As we saw with the recent election in Greece, one of the candidates had run on the platform that if he were elected, he would reject the austerity program proposed by the EU.  That would be like Obama giving Geithner of the Treasury an order, and Geithner flipping him off.  Obama would just replace him, and put in a guy that would follow his orders.  The EU has no power to remove elected officials from the soverign nations that make up the EU.

The EU has a number of financial criteria that the members must maintain.  Debt ratios, GDP and the like.  Well, if a member doesn't meet these benchmarks, the EU can kick them out, but they never will.  As we saw with Greece, their threat to leave is what had everyone worried.  There was no talk of kicking them out.

When you have such an imbalance between the political and the financial, you have conflict.  The inability of the EU members to force austerity programs on their free-spending bretheren will ultimately result in the dissolution of the EU.
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I'm guessing you have seen the irony of what's going on here in the US.  We have our political and financial systems intertwined, so things should be hunky-dory.

They're not.

THAT'S because we don't have the political will to act like adults and cut our spending when tax receipt decrease.  Like Greece, we're making promises which we don't have the money to pay.  Unlike Greece - where the rest of the EU (for now) is paying for their largess - we are saddling our children, grand children and great grand children with the bill for our foolishness.
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The event that spawned the conversation with my wife this weekend was the aforementioned Greek election.  That ended up being a non-event.  For now.

What I found much more interesting - both in its outcome and its miniscule coverage here in the US - is the election that was also held last weekend in France.

They elected a Socialist majority to their parliment.  And they're going to reverse the austerity programs the previous right-of-center government had imposed on the country.

Just like what was going to happen in Greece.

France is the EU's second biggest economy - just behind Germany and just before Italy.  They have an economy that is almost 10 times larger than Greece, yet everyone had their panties in a wad over the tiny, economically insignificant island.

Pay no attention to the man behind the curtain....
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As a personal aside, I picked up a decent bit of gold last week.  My gut says it's getting close to systemic failure.  Or at least the start of the cascade.  I don't normally buy outside of my regular routine, but my Spidey Sense is a-tinglin'.

In unrelated news, I'm making another trip to Idaho this week to look at property.  Nope, not related at all...

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Copyright 2012 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, June 16, 2012

Slick Barry

King Barry's edict:  It's pretty astounding, actually.  Unilaterally changing our immigration laws.

Obama's Talking Heads are all over the TV today, essentially saying, "Well, Congress wouldn't make the necessary changes to our immigration laws, so we're going to do it all on our own."

Let that sink in.  What's it called when a single person has the power to determine the Law Of The Land?

A Monarchy.

Oh, and to you Democrats/Socialists that are squealing in glee that King Barry has taken this unconstitutional grab of power, what he has really done is set a precedent.  If this doesn't get pushed back, the law will be that any president can make these unconstitutional power grabs as they see fit.  Including when some Republican/Fascist comes to power.

How does King Pat Buchanan grab you?  Or King Donald Trump?  Or King David Duke?

We have a Constitution and a process for a reason...
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A question to all citizens and legal residents that are in favor of King Barry's edict:  Do you know of anyone - including yourself - that is unemployed, or under-employed?  Yeah, I thought so.  You do understand that by having more people competing for the same number of jobs, that your chances of getting one goes down?  You get that, right?

On the flip-side, when employers have few or no applicants from which to choose for a given job (i.e., when illegal aliens aren't competing for our jobs) that THE PAY OFFERED TO WORKERS GOES UP.  The whole supply and demand thing.  What?  You didn't have an economics course when you were getting your Ethnic Studies or Applied Communism degree?
---

Question to people of Hispanic ethnicity that have friends/relatives currently "in the queue" attempting to gain US citizenship:  How do YOU feel about King Barry giving a bunch of people that have not been following the rules, a "You Get To Cut To The Front Of The Line" card?

Uhm, perhaps, screwed, without so much as a peck on the cheek?  Like a slick playboy talkin' sweet and filling you full of promises of wild passion and a go-go lifestyle, his game is hollow.

He just wants to get into your pants, and will say whatever is necessary to get there.

You realize that King Barry is doing this because he wants to buy your votes, right?  But his actions will hurt you directly if you're looking for a new or better job.  If you have kids, they will be competing directly with these law-breakers for jobs.  Directly.  And it hurts your friends and relatives that are following the rules to gain legal residence in our country.

And he wants your vote as a big fat "thank you" for inflicting this pain upon you.

How stupid would you have to be if you gave him what he wants?  Slap his hand off your ass, and tell him to take his weak game somewhere else.

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Copyright 2012 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, June 13, 2012

Tee-Ball And Other Socialist Traps

The first year of baseball for most kids is something called "Tee-Ball".  Instead of the opposing team pitching to the batter, the ball gets tee'd up and Junior gets to take a whack at it.


 This practice speeds up the game and is one of the first cuts for seeing if Junior has the requisite eye-to-hand coordination required for playing baseball.  By the end of the season, it is usually pretty clear who understands the concept of, "bat meets ball equals success" and who doesn't.

A million years ago, I coached my boys in Peanut League.  We had kids on the team that had no business - nor desire - being there.  They'd come up to bat and literally not take the bat off of their shoulder.  Most of the time, they'd strike out because the pitcher would see they weren't going to swing the bat and they'd just put the ball right down the pipe.

Junior would walk dejectedly back to the dugout, and mom would hit him with the, "Good Job, Junior!".  He knew it wasn't a good job.  His teammates knew it wasn't a good job.  The other team knew it wasn't a good job.

But mom still reinforced that his total, unequivocal lack of effort was acceptable.  This concept tends to stick with kids, as it's less painful than trying and failing.

Over the past few decades, youth sports have devolved into this soft, squishy pile of socialist-infused goo.  Regardless of the skill, work ethic, passion and (most importantly) performance of the players, everyone gets that same ubiquitous, "Good Job!" at the end of the game.  It no longer matters what you accomplished - you'll always get the pat on the head.

This cancer has spread throughout anything our kids do.  We lower the standards for graduating from fourth to fifth grade.  We can't "hold back" a kid who isn't ready to move on because it might bruise his psyche and injure his self-esteem.

This "trickles up" to middle and high school.  The ability to steam a mirror with your breath is all the effort required.  Simply being present is considered effort enough.

So, how's that working out?

We've got a society full of people walking around with their own personal tee-ball stand.  They don't know how to do anything without assistance.  Worse than that, we have ingrained in our youth the belief that they can't do anything without assistance.

Take a look at this article [link] from the online version of a local newspaper.  It's about what is perhaps the most dysfunctional welfare program in the nation - California's.  It so clearly lays bare the utter contempt we have for our citizens.
California is the national leader in welfare recipients (Woo hoo!  We're number 1!  .ed). About 3.8 percent of state residents were on welfare in 2010, the highest percentage in the country. In fact, California houses about a third of the nation’s welfare recipients, while only housing one-eighth of the national population.
For those of you who went to public schools and are math-challenged, that means that while we in California have about 12% of the overall population, we have about 33% of the welfare population. Nearly three times the amount we should have.
[UNDERSTATEMENT ALERT .ed] The state has traditionally held a relatively generous attitude toward welfare. For instance, CalWORKs gives cash grants to children even when their parents are ineligible for benefits for various reasons, such as being illegal immigrants, receiving disability, or failing to abide by the program’s rules.
Translation: Even if you're breaking the law, we'll still slip ya a wad-o-cash. Such a deal!  Now it's clear why we have 3-times our share of welfare recipients.

So, we've made it next to impossible to NOT qualify for some free money - a free tee-ball stand. What happens when the State threatens to take away the tee-ball stand?  Let the boo hoo hoo begin!
Sarah Smith, a 31-year-old divorced mother of four in Los Angeles County, had been a stay-at-home mother since the age of 18, only working sporadically between having children. She was forced to turn to CalWORKs a year ago after her husband stopped paying child support. She received $850 a month in cash aid and $700 in food stamps.
Poor thing is forced to take fifteen hundred and fifty dollars a month. Not taxed.

Wanna talk about force?  I'm being forced by threat of imprisonment (if I don't pay my taxes) to pay for her inability to chose a reliable baby-daddy.
Policymakers don’t realize that people need a chance to rebuild their lives, Smith said, adding that CalWORKs aid is far from enough to live on. “It’s still a juggling act,” she said. “People are trying to get jobs. No one really wants to be on welfare. Most people are trying to get off it.”
Uhm, excuse my language, but that's utter bullshit. Oh look, the program even admits as much.
Nearly half of CalWORKs families move off the program within two years (so that means that more than half DON'T move off the program that quickly  .ed), but about 18 percent are long-term. Those families are often have very young children and headed by parents who lack a high school diploma or job skills, or have a family member with a disability, according to a report by the Public Policy Institute of California.
We send them to school to get educated enough to better their lives, or to at least be able to fill out a job application to learn a trade. But because we can't hurt Junior feelings, we don't even give him those tools to succeed.
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Here's where it gets ugly, folks.  Junior has become attached to his tee-ball stand.  You might even say dependent.

He's got no real skills that the outside world needs.  His whole life, mom, dad, his teachers and all of the flashy Community Organizers have told him he's doing a Good Job.  His pinnacle achievement is a hollow high school diploma.  And now, no one seems to want to pay him a living wage to play video games or to make babies.

If you were Junior and someone came and took away your tee-ball stand, what would you do?  Do you think Junior is going to go to the Salvation Army for a cot and skills training, or do you think he'll bonk you over the head and take your stuff?

Whether he succeeds or not, I'm telling you, he's looking to bonk you on the head.
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I'm waiting for the wailing, and the, "It's for the children" chorus to start up.  With California being home to Hollywood, we should get some Oscar-worthy performances.

Seriously, I don't give a shit.

I am not responsible for your poor choices.  It's that simple.  It sounds heartless and cruel.  Trust me when I say that I'll get over it.

 ObamaCo has promised you Hope and Change.  Well, Hope takes no effort, so the change ain't gonna happen.  Wishing something to happen doesn't accomplish squat.  You've got to actually do something to better yourself.

Foreign concept, I know.

And Junior, choose your victims to bonk carefully.  Swing by my place or the homes of the 150+/- students I train each year, with the intention of enriching yourself at our expense, and you'll understand change.

Like going from 98.6 to room temperature.

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Copyright 2012 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