Dear Departed

I think my once, oh so generous, stranger from United Arab Emerits or Dubai is either dead or figured out I wasn't falling for any shit. I just didn't pull the greedy string hard enough for him to think I might not be setting him up for a bust. Well, the pill monster is leaving me alone now that he stole himself 7 or 8 for bringing me some junk furniture out of the goodness of his heart. Well things are building toward good things. Have an interview with the Bookstore today. Will be setting up appointments tomorrow for the next week. Taking the trailer back on Thursday. Friday set up more appointments for the week to come. Today Doctors Appointment, Much earlier than I thought glad I called. Must remember to take in my Grant from Nord the National Organization for Rare Diseases A free Year of Provigil!!! Saving me with what I have already saved from getting the first three months from Canada ....Over the entire 15 months.... Over 2800.00$$. What a relief!! That would have been 195.00 a month (counting 365 day year months) NOW 00.00 for at least the 12 month approval period and if I meet the requirements next year (which I hope I only partially do) Because I intend to make more than the 6600.00 Dollars I made last year. If I Eeek out 8000.00 Which is possible since I have already only earned 5400.00 this year and have 2 primo months of sales left to make before ending fiscal year 2004 with school book sales. I could do I would still be at least 80% eligible maybe still 100% eligible and then start making some real money in 2005. MY god you would think I should be in the poor house by now if it weren't for my parents and some very generous friends who (the friends) by various pathways have given me almost 3000.00 this year (that doesn't count as income does it?) I would be. But with living at home and only being responsible for medical bills ( no insurance) And the extension on my loan from Mom and Dad of nearly 8000.00 this year I have received AND spent 18600 dollars this year so far 10 months and 9 days in. Probably will break off at about 20,400 (best wishes) and still have the loans and credit cards to pay back meaning next year I have to have a real income flow of Approx. 20,000 to start paying on my loan (450.00/Mo) Shared living expenses 150.00$ (my parents are wonderful) then 200.00 monthly for medical expenditures not covered by NORD or the Pfizer award plus 100.00 hospital and Doctor expenses post due monthly I need 900.00 Monthly to live with no other costs . Add in regular gasoline purchases, personal odds and ends, emergency repairs, internet service, phone and computer maintenance, paper printer ink, Then deduct business expenses and medical from the income and I will get a nice government backdoor welfare check of about 1500.00 next year in March 2006 If I make that 20,000 Throw that 1500.00 entirely at the old medical and credit cards and I should be close to a break even point by March 2006.
AND mom doesn't have cancer thank god. Test reports came back last week. Just arthritis gout and WORRY over me and my Narcolepsy .... Thus the returning of the trailer and my Dad driving on book sale routes ( if we can get along and I can either count him as a business expense or he can count it as his business expenses and it's a coin toss as to Who stands to gain the most tax wise by the write off. I think him because he would bring my base income down so much I would get virtually no income credit to add to my refund If I chose to even pay in. Which I think I should pay in my Social security and Medicare to keep adding to my benefits if the plan is even solvent by July 2028 at which time I will be 67 retirement age by then. for me at least. You folks under thirty I'd bet on not having eligibility for full retirement benefits until age 70. And to you oblivious 10 year olds probably 73 or 75 and I'd bet you need to start socking it away yourself or you may either never get it expect a dire forecast of much reduced benefits and 25 to 30 percent of that just going for Medicare premiums. Its not enough we pay into Medicare all our life but we are expected to pay premiums on it when we get it and then you have to have an extra policy (about 125 a month per person) for anything worth its salt just to pay for what Medicare won't .... And Jesus, why won't it??? IT's called government dipping into the fund. You know if a person made a good middle income salary over their lives retired at 65 say in today's dollars 45 to 60 K per year with what your employer pays in you should have been accumulating over say a 40 year Career you should have Packed Away a good 280,000 dollars over that time..... Now imaging the GOV having not touched it and putting it in something conservative like bonds and very conservative Stock and Munis Interest should have turned that into (accounting for inflation) aprox.700,000.00 smackers Now Divide that over lets say you have 20 good American healthcare years left and you stick around until 85 And spend it all Assuming the remainder is still growing interest like an annuity over the life of the 20 period at similar interest accounting for inflation your monthly benefit in today's dollars would be 4150 a month talk about a comfortable retirement for the average middle class American AND that's if only the HUSBAND works and brings that home!!!!! Let the wife part time it and piddle at work in the paying world and she gets say only 1/3 as much retirement a mere 1350.00 per month together they take down a combined retirement income of 5500 / MONTH we are talking 66,000 per year TAX free money!!! NOW let say they bothered to put away their own little nest egg over the years of perhaps a puny 150,000 all interest added in already except for the payout annuity interest then they can dispense themselves Monthly another 1020.00 giving them a grand total of 6520.00 monthly pension 78000/yr TAX free they essentially retire on more than they ever made in their life!! Remember with the wife working ever so often in there best years they may have been making 100,000 per year at the peak of their productive years,, say their late 40's early 50's children grown in maybe out of college tack on the tax burden of course of at least 35% give them room for some deductions still some interest on the house they have 5 years to pay off ....very little their jobs in that pay range probably provide for medical not much write off there..If they have a child still in college lets say the other is married and out on their own and age 27.....This one 21, Junior year in college; we can write off say the 6000.00 dependent and the 5000.00 tuition and Marge was hospitalized for a lumpectomy on the 80/20 plan and they have 4000 in medical.... Some office and mileage write offs of say 1500 and maybe 4000 to charity and we are looking at including personal deductions of 11,000 married couple. I am guessing here so lets say they can deduct 27,000 so their bracket comes down to around 31% at best and they pay 31% of 73,000 or 22,630 giving them a take home pay of 77,370 well then we can say they are retiring at the peak pay of their life with none of the hassle..... Grand children!..... No college tuition to pay; no more house payment !! Senior discounts everywhere. Lets even suppose they have to make this money last 5 more years to the ripe old age of 90 assuming both of them make it there. The amount is only reduced by at most 7.5 percent or 6000.00 per month instead of the 6520.00 well what the hell!! Suppose they live to be 100 assuming they are doing a pay as you go estimate and hoping to leave no money except for burial expenses and the home and possessions to the children. Interest would still save them such that if they were in exceptional health at age 67 or 65 which ever.... Statistically it is well understood that the majority of those making it to that age with no already apparent chronic health conditions they are likely to enjoy a longer life span If so they could chose to retire at age 67 and if the husband is one of those who can't leave things alone and must work at something for fun simple enjoyment. Perhaps he enjoys land scaping and Gardening and he and his wife start a small nursery and offer landscape planning and even part of the project and they may have a couple of younger employees for the heavy lifting!!LOL ... Then they are allowed to earn a certain amount without it being deducted from their retirement . They may make their nest egg into an annuity and speed up its pay out according to conditions to suit them.

But this is America Home of where the government were terrible stewards of our social security fund. NO LESS than pension fund raiders!! So now my parents although my mother barely worked enough years to be in the system (10) she was eligible and even though my Dad retired early he worked from age 17 to age 62 paying in benefits His top wage was 50,000 per year in 1992 the year he retired. Had he waited until age 65 he would have been eligible for 17.5 percent more than the 1300.00 he gets today add my moms 288 and thats what social security pays him for paying into the system for 48 yrs. Although he did not make the amounts in the example he at least made adjusting for inflation as I did in the first example and his wife only working for less than 1/4 of the time he paid in She by the same Math should be receiving over 450 per month and he should be getting 2250 for a combined retirement of 2700.00 per month instead it is barely 1700..... 1688.00$ OUR gov. NOT my country America the good old USA which I love, and I make a distinction between . But my GOVERNMENT stole over 1000.00 a month from my father because they squandered the use of that fund. And now must depend on the tax income of present employee's to pay these benefits because his original money was never invested but stolen. And we call this country free while it picks our pocket!! My dad has to continue working and has been for the last 13 years (He is in good health) and I don't think he would be happy not working. But the money he now pays into the system toward social security is not his. IT goes to other recipients because he already retired.... How is that just??? Luckily he makes about 1000.00 per month as a minister of a small church this pays them the amount they could have retired on originally. Fortunately he has other monies put away a quite large figure that I will not disclose but his mistrust of stocks and such allows him at the moment only menial rates of 2.6 % due to the lowered interest rates that are supposed to stimulate the economy along with Bushes tax breaks mainly % wise to the rich. What does a man making 25,oo0 a year do with his less than 5 % tax cut?? Probably he spends it. And the man making 150,000.00 what will he do with his 6 to8 THOUSAND DOLLAR WINDFALL? Probably puts it in his IRA. Oh he might by his daughter her first new car at 16..... He had planned to do that anyway.... This way he can just add 5,000 or so and she can drive home a 2003 Camero with only 18000 miles 12,ooo dollars...... NOW sure he deserves the money he earns But when you find that in this country buying your rights to human decency is required. NO it is not right. While he can bail his naughty 18 yr old out of jail for Marijuana possession; dropping 1500 in bail money and throw 1500.00 retainer at a moderately highly regarded defense attorney that they prosecutors had rather not go head to head with he can be out Maybe even on OR if the Attorney is in the 2500.00 retainer range and save 500.00 put that toward a fine and a postponed adjudication and a years unsupervised probation and 15 days suspended but not after postponing adjudication which after all conditions are met the 18 yr old walks away with a misdemenor or even withdrawn plea of guilty and no disposition after deferment of adjudication NO record and (arrest record yes) but no conviction and a 500$ fine in a nasty little state like ARK. Why shoot and in the right town down here if Daddy knows the chief of police and a judge or two are golfing buddies the whole thing can be filing error. But take Good ole Joe works hard at the box factory for 7.40 per /hr. And if he's allowed a little overtime he can take home 275 to 300 after taxes!!! Vera works part time at the dairyqueen but has to have time off a lot to take care of the kids and they get out of school at 3:00 and she has to pay half her pay for day care so she clears 110.00 a week they average 375.00 a week between them and have 3 children one 7 one 12 the other 18 and OOOOPPPSSS he get caught in the same snag in an older vehicle and the Cops remember his name sometimes cause he's been known to run with the wrong crowd sometimes and BANG 2 ounces of Marijuana in his pocket Jail Bond 10,000 maybe 5000 but dad has to come up with at least 750.oo unless it's the first time and the Bondsman might give him some on credit if he proves he has a steady job both he and Vera. After 5 days they take the whole 500 out of the savings account and Mike the good old bondsman settles for credit on the month to month plan of 50.00 for 6 months= 800 ....50.00 interest. OK he's spend only 5 days in jail but he got beat up once and a guy breaks one of his teeth. He sees the jail doctor and he says it's only cosmetic the tooth may need to be capped after release. (675.00) out he come a little uglier and his Dad a lot madder. And there is no money for a lawyer left. Court appointed attorney..... Shit on feet. Same 500.00 fine 5 days served and 5 more to be served on weekends conviction of either felony possession or misdemeanor possession of marijuana...... Charges of intent to distribute dropped (how nice) and 18 probation supervised 25.oo monthly to the officer and 147.00 in court cost on the payment plan 647 to pay and over one year NOW dads got the 50 a month to the bails man covered. Johnnie has to come up with the 53.90 a month plus 25 a month for the probation officer. He has a record. He's 18 he needs a job...And he has to go to NA meetings once a month and he doesn't have his own car. And Vera and Joe have only 75$ left in the savings account and money is tighter and car insurance is due next month on Joes truck a 1999 but in good condition. Vera has to drive the older 1995 grand am with the dented fender, and the heater's broke and it is October and they need to fix it. And oh yeah Johnny has that broken tooth that in 6 months starts to hurt a lot and the top tooth eye tooth or incisor and he doesn't smile as much where is he gonna get that 675.00 to cap it if it's not infected?? What a mess.

Well I think you get my point. Is it hard to figure out what end of the income scale is going to spend its tax relief? NO that group mainly that don't already get big back door refunds Making between 35,000 and 100,000 a year are going to spend all that tax relief they get on a very moderately sloping bell curve.


So if you figure that the biggest tax breaks go to those making over 150,000 a year then lets make the curve different sliding according to # of dependents We can stimulate the economy on half the money in tax relief with out running up the deficit that will lead to soaring interest rates once again.. Hide and watch.


Wish I could draw a graph here........ Ill figure it out later and when I do I'll scan it in and show you!! But I got to go!!! Lots to do and make that good old American DOLLAR Amen!!