Rebecca Wood for Congress!
Student loans have become a college graduate’s nightmare. These loans were designed to help a student pay for their college courses and majors, yet, also designed to keep them in a life-long debt. A student loan is nothing like a mortgage, car, or personal loan.
Most loans have a term life, meaning they last for a certain amount of years. Mortgages are usually twenty-thirty, car loans are typically five-seven years, and personal loans are determined between the borrower and the lender, but student loans can go on endlessly. Its institutionalized robbery.
Jackie Krowen of Portland, Oregon says that student loans ruined her life and she wishes she never went to college. She’s paying $1,200 a month in payments to clear her debt with no end in sight.
A retired US Naval Officer co-signed for his daughter, Vanessa McClurg’s, student loan. After falling sick and no longer able to finish school, the loan department threatened to take away her father’s retirement pension.
Many students have been burden with this robbery. One student reported that they call “eight times a day, at least.” Another stated that any plans they had for the future such as buying a home or having a family is destroyed because as a youth counselor, he cannot afford anything but paying back the loan at $730 a month.
While Bernie Sanders, Senator Warren, and others promise “free education,” that is not the way to go. Student loans can have a role in our society and our financial institutions, but there should better grounds than what we have now.
What Bernie Sanders, Elizabeth Warren, and others negate to tell us is that “Free, is not so free.” Taxes would have to be increased for the working class to pay off the student debts for others to make them free. We’re being taxed enough as it is.
I believe if we create the debt, we should be held responsible for our debts. However, I firmly believe the situation of this institutionalized robbery could be resolved with giving term limits to the life of the loan with exceptionally low interest of perhaps 1-3% and not ARPs or institutional fees and percentages. They need to be grounded.
The banks or financial institutions would still make a profit from the loan, and the student would see a light at the end of the tunnel. Otherwise, unless a student receives a scholarship, or their family is paying out of pocket, the only option left to avoid student loans is the military.
Although, the military is an awesome way to earn a career and it should be held with the highest honor to be able to serve our county, the truth of that matter is, not everyone can serve. Saul Newton of Wisconsin stated, “I shouldn’t have to serve to be able to pay for a college education,” (Saul took out a $10,000 student loan and his remaining balance to date is $23,000).
I strongly advocate for better conditions for our future college graduates. I don’t want them to regret a higher education. I want them to succeed and excel in life. As a Real People’s Candidate, I want to see lower interest rates for our students with better term limits on the lives of their loans; I want them to live their dreams, not suffer in financial nightmares.
I have talked about Medicare-Medicaid, Social Security, and Disability leading up to the care of our elderly. The fore mentioned subjects could be discussed in details endlessly and we’ll probably talk about them again, however, I want to discuss the care of our family members that have grown old. One day, we’ll be old, too, so this isn’t just for them, but for ourselves, as well.
I believe we should teach our children how to take care of Grandma and Grandpa and the best way to do that is through example. They see how we treat our parents so its imperative that we show them the right way to do things.
Native Americans had it right. They took care of their elderly, their sick, and their dying family. In fact, the entire community stepped up and helped out. Their friends and neighbors provided meals for the family, sat with the elder family member while Sitting Bull went hunting and Red Squaw did the wash. The community helped in every aspect of their lives, without hesitation for as long as was needed.
That is probably the most amazing fact I can think of: the community did it without hesitation; without question. It was a selfless act of responsibility, of respect, and of kindness. We’ve lost that in ourselves.
Today, we have home health care that we pay for and we have nursing homes. Congress is always trying to pass into legislation new laws, new policies, and new ways of caring for our elderly. It should not be the job of Congress, but ours.
Our parents always say, “No one can take care of our children better than us.” I say the same about our parents: “No one can take care of Mom and Dad like we do.”
Nursing homes are helpful, but they’ve become a necessity of convenience. It’s easier to find placement in a home than to take care of our sick. People argue that insurance pays for the nursing homes, but did you know some insurances also pay for home health care?
Retirement homes and nursing homes are scary for me. The stories they tell about neglect and abuse are not fake. It really happens. We have passed better laws, we’ve come a long way to stopping the abuse, but we won’t ever stop it all together. That’s why its important to unite as a community and help our fellow friends, neighbors, and family with the elderly care of their parents.
Copyright 2019 ©
President Lyndon B. Johnson signed into law Medicare and Medicaid insurance in 1965. In 1972, the program was expanded to include disability, elderly, and end stage renal patients. In 1983, Medicare became funded through taxes and paid through taxpayer deductions.
Once we reach the age of retirement and eligible to collect, we still have to pay for it and the cost is deducted from the monthly check. Even though, Mom, Dad, or Grandma & Grandpa have been paying all while working, they are still forced to keep paying for it.
Elderly may collect Social Security (that they’ve paid into), once they reach the age of 62. They may receive full benefits after the age of 65, but until then, any additional income can offset the monthly check of their own money.
Any attempts to collect disability automatically generates a mutiny from the government. They behave as if it is their money and not yours. There’s literally a fight to obtain it; a fight that usually takes years to resolve.
Medicare-Medicaid and Social Security-disability is supposed to be put into a separate account for us. The government takes our monies that we pay into the programs with and uses it as their own personal purse strings and at their discretion.
This includes spending it on Welfare programs, funding for programs that cater to illegal aliens, or in Bill Clinton’s case, paying the deficit with it. Other presidents who are successors to the Clinton Administration have additionally used the funding for numerous reasons. However, the fact remains, it was not meant to ever by touched by anyone except for We the People.
Keep in mind, there are no “government funded programs,” it’s all taxpayer funded programs and yet, the government feels comfortable in controlling the People. An unknown author once uttered these profound words: He who controls the purse strings, controls the people.
Candidates need to focus more on We the People instead of giving away “free health care, free education, supporting illegal immigration,” and so forth. All of those programs cost money and just where do you think that money is going to come from? It will come from the backs of the hardworking taxpayers of America.
I’m a Real People’s Candidate. I say that because I’m in the same boat the average Joe is in. I see what they’re (government) doing and I want to amend the problem, not add to it. The reason we’re going to run out of money for these programs is because the government is abusing it, they’re abusing their power, which means, they are abusing all of us.
We should all try to leave this world and our government in a better place for our children and grandchildren. The solutions begins with ourselves, it begins with you.
I want to take a minute to talk about the difference between Medicaid and Medicare. It can be confusing to the average person. Medicare is a federal program intended for most people age 65 years or older. They do accept patients with end stage renal disease but only after 24 months of having the disease. When we are older: retired, elderly, or disabled, we’re eligible to receive Medicare. However, we’re still paying for it.
Medicaid is a state program for most people with low income. It’s also a paid into program and strictly based on a person’s income. In fact, if you noticed on your pay stubs, they deduct taxes for Medicaid/Medicare which is separate from federal or social security tax.
Medicare: Is insurance for old people – retired people – disabled people
Medicaid: Is insurance for poor people, a social Welfare program.
Although states determine their own Medicaid benefits, for the most part, it will cover
Children’s preventative services
Assistance in substance abuse (includes tobacco use)
Pregnancy and related issues
Doctor’s visits, X-rays, and lab work
Inpatient and outpatient hospital care
Transportation to the hospital
Medicare coverage (federal) determines the insurance you have (Part A, or Part B).
Part A covers:
Hospice or home health care
Part B covers:
Mental health, in or outpatient
If extra coverage is needed, you have to pay for it (Part D, E, and so on). Medicaid, nor Medicare will tell anyone this information about needing the additional “parts” unless you ask them and they always include extra costs. We need to rectify this. If such programs are going to exist, they need to be more beneficial to the American people.
What bothers me considerably is that our elderly and disabled (veterans included) are suffering with high costs of these insurances with very little coverage, while Mr. and Mrs. John Q (illegal aliens) who are not American citizens, get the same benefit without paying a dime into the system.
As a Real People’s Candidate, I want to work towards improving this type of health care for our citizens. There’s going to come a time when I will need one or the other; we all are so, let’s make it our mission to improve this insurance system for our grandparents, parents, ourselves, and our children.
Let's work together to get elected, not just for Nevada, but the sake of America!
If you'd like to donate to Rebecca's candidacy, here is her link. Any denomination is helpful.
I call myself the Real People’s Candidate implying that I’m a politician, but that couldn’t be farther from the truth. I am a statesman not a politician. There is a large difference between the two.
By definition, a politician has a platform that (s)he stands on. IE: abortion rights, homelessness, military… Usually it has to do with current events and almost always, a politician switches from one platform to another depending on what is the recent hot topic of politics.
Their (politician’s) campaign promises are rarely ever met. In essence, a politician has their own agenda, they frequently cater to their own ego, and are very power hungry.
The perfect example would be Joe Biden: He’s been in politics for almost 50 years and the majority of that time, he’s been for border patrol and the building of a wall along our southern borders. At one point, while acting vice president, he advocated the deportation of illegals.
Now, because of his obvious disdain for President Trump, he’s switched platforms. It suits his agenda to be disagreeable with the president. The same may be said about Kamala Harris. She has beaten the horse of slavery to death claiming her ancestors were slaves.
It turns out, her ancestors, not only were not slaves, in fact, they owned scores of slaves themselves. Indeed, she’s not even African-American. Ms. Harris is bi-racially from descendants of India (maternal) and Jamaican (paternal). However; it suits her political needs to be what she believes the people want and look for.
A statesman basically has one goal: the welfare of people or constituents (s)he represents. They don’t desire more power, they desire morality to provide better living conditions and they don’t make campaign promises. They want what’s best for America. An excellent example would be Senator Ted Cruz who campaigns for term limits for Congressional members.
He knows that by setting term limits, it might be putting him out of a job just as I understand. However, it’s better for America; for our country, to stop the insanity in Congress and to move away from career-oriented politicians who are there for their own personal gain.
There is little similarity between politician and statesman. Johnny Kilfner said it best, though. He’s quoted as saying, “Both (politician and statesman) must have excellent interpersonal skills to interact with a variety of people throughout their careers. Persuasion is key to both the politician and statesman, so each must have effective communication skills to explain complex legislative processes to people who know little of politics.”
I believe this explains why politicians often gain believers or followers to their crusades… they must have charisma and the ability to communicate effectively to what the people want to hear. A statesman will likely tell you what needs to be said, and not what you want to hear.
“The bitterest truth is always better than the sweetest lie.”
This is why I do not tell people I am in politics or that I want to be a politician. I want to be a statesman who will represent the American people. I look forward to seeing you at the polls, and hopefully as I stand in Congress representing my Nevada district (4)) as the Real People’s Candidate.
If you'd like to donate to her campaign, here is the link. Any denomination is welcome.
Copyright 2019 ©