Ted Cruz = Loser

U. S. Senator Ted Cruz (R-Tex.) is a loser. And a poor loser. I referred to him a while back as a little boy trying to act like a man. I should have written "child", not little boy.

Cruz must actually be a Democrat, since he is doing everything he can to hand the November election to Hillary Clinton.

The good people of Texas should kick him out of office at the next election cycle and hand him a shovel and then send him out to the manure pits.

To realize that this idiot is one of two Senators from Texas makes me sick. And when I think of the retirement benefits he'll get, even after just one term in the Senate, I get really sick.

Send that sad, pouting jerk packing back to Canada.

Don Lemon tries to muzzle Sheriff Clarke

https://www.youtube.com/watch?v=dAu44wVgb58

Check this out, if you missed Don Lemon's interview with Sheriff David Clarke of Milwaukee County last night.

Lemon wanted a "civil" conversation and did not want to hear what Sheriff Clarke was telling him about the cause of the police officer killings in Dallas and Baton Rouge.

Sheriff Clarke said he predicted this (police shootings) two years ago.

Lemon muffed his first word in the sentence " ... spoke to heads of the sheriff's department, police and state police..." Lemon skipped the subject of the sentence, apparently hoping listeners would fill in the blank with "I".

When Sheriff Clarke wanted to know if he (Lemon) spoke to the heads of the departments, he said, "That's what they said to me." Clarke was in disbelief over Lemon's claims that the law enforcement told him their message was one of peace.

Sheriff Clarke made it clear that he blamed the Dallas and Baton Rouge shootings of police on "this anti-cop sentiment from this hateful ideology called Black Lives Matters."

Don Lemon did not want to hear that at all and cut off Sheriff Clarke by going to a break.

Buy life insurance on your kids

Have you been reading the articles about the "crackdown" on student loans left by children who have died? If you co-signed on the loan, guess what? You are on the hook. And you should be.

Why should the public be on the hook for the education of a student (or former student) who dies? The money was borrowed, usually with the intention of re-paying it. (Whether or not to borrow $50,-100,000 (or more) for a college education is a question for another day.)

More and more stories are appearing in the media. And some parents are learning that, since they co-signed for the loans, they are liable for the remaining balance.

And why not?

Remember the rule that the big print gives it to you, and the little print takes it away?

Before you sign any papers for a student loan (or any other loan, such as for a car or home or even a credit card), sit your kid down and ask, "How do you plan to re-pay this loan?"

"And what happens to the loan balance if you die or become disabled?"

Here's the answer you'll get. "I dunno." Well, don't co-sign until she or he "knows".

Buy life insurance on your kid. Often, parents say, "I don't need life insurance on my kid." Ask some of the parents who are crying now over a $100,000 student loan that they are being asked to pay. Keep n mind that there might be a balance on that loan for many years.

One question is when to buy the insurance. Another is, what kind of insurance should be purchased? And how much?

If your kid is 22 and in good health, you (he or she) can buy a lot of term insurance for practically nothing. The reason the premium is so low is that the insurance believes the risk is low.

Term insurance might be the right, but temporary, solution. Dave Ramsey will tell you to buy only term insurance. Well, he's wrong. Talk to a life insurance professional. Talk to an agent of a first-class mutual life insurance company (ex., Northwestern Mutual Life).

The best long-term life insurance will be Whole Life. Yes, it costs more in the beginning. The only poster I kept from 18 years in the life insurance business reads, "In the beginning there is price. In the end, there is cost." This is true, whether you are buying life insurance, cars, homes, clothing, etc.

Sometimes a good solution is a combination of Whole Life and Term. A good agent will guide you well. Don't necessarily rely on your good, ol' buddy who has been selling you your car insurance for years. There is every possibility that he doesn't have a clue about proper life insurance planning.

Insurability of your kid may be a factor, due to health or other risks. Maybe he just graduated from Annapolis and is practicing take-offs and landings on an aircraft carrier? His premium will be a lot higher than Standard. In fact, he might not even be able to buy private life insurance at all. But, if you had purchased a policy for him while he was in grade school, middle or high school, he'd had the policy and, quite likely, the right to purchase additional insurance at standard rates at certain times in the future.

As with all risk, if you can assume the risk yourself, don't insure against it. But then you might ask yourself, why do I carry car insurancc? Or homeowner's insurance? Or a tenant's policy on my possessions in my apartment or rental house? Or health insurance? (Well, Obama took care of that question for you!)

Will you be co-signing a student loan in the future? Think about acting now to reduce your risk.

Turkey vs. the U.S.

First of all, what do you notice about the uprising and violence in Turkey?

No one has his face covered!

Compare that with the terrorists of ISIS and the protestors in the U.S., including Anonymous. The people of Turkey, shown in the news as resisting the coup by the Army, are right out there.

What if we had a military coup in the U.S.A.? How would you know which to side with? And all of you (us) with our little handguns and rifles, even AR-15s and AK-47s (those "assault" rifles that the anti-gunners are so worried about)? What chance would we have against overwhelming power of the military and, now, even the local police and sheriffs' department, who have gone "military" on us? How would we combat drones and robots, if "our" police departments decided to use them against us?

Watch the President of Turkey speak. Compare him to what we have now in the White House.

Kind of makes you sick, doesn't it?

The idiot lowers the US Flag Again!

I am as sorry as anyone about the killings of innocent people celebrating Bastille Day in Paris, but I object to lowering the Flag of the United States of America in their memory.

I realize no one can knock any sense into Barack Obama's head. I don't think he has ever cared what people think of him and, as a lame-duck president, he won't care know.

Why should we let a terrorist's action result in the lowering of our national Flag?

I say, fly it HIGH at all times and let terrorists, foreign and domestic, know that Nothing will cause us to lower our flag.

Remember Barack and Hillary are right out of the same mold. Just one more reason to elect Donald Trump as the next president of the United States.

And communicate to him that you want the U.S. Flag flown ALWAYS at the top of the flagpole.

Pastafarians - unite!

OK, folks. Grab your noodle strainers (colanders) and head over to the DMV for your new driver's license photo.

After all, if Arlington Heights' student Rachel Hoover, age 21, can get her D/L with a colander on her bean, why can't you? This is what our country is raising today, thanks to all your hard-earning dollars pouring into education.

It's a religious thing, don't you know? The Church of the Flying Spaghetti Monster.

I'm not sure you want to make your checks out to CFSM and try to claim a tax deduction yet.

Check out Eric Zorn's article in the Chicago Tribune.

Another Obamacare failure

Hopefully, you don't have your health insurance through Land of Lincoln Health, one of the many health insurance companies that went into business under Obamacare.

The State of Illinois is shutting Land of Lincoln down, because it appears to be financially unable to stay in business.

49,000 policyholders will find their policies canceled, and they must arrange their health insurance elsewhere.

As a former insurance agent, I knew that there was no way that Obamacare could succeed. You can't force insurance companies to insure everyone, regardless of health and without regard to pre-existing conditions, at affordable premiums. It can't work.

Read why Land of Lincoln was required to pay $31,800,000 to other insurance companies. Keep in mind that it was a new company.

Land of Lincoln lost $90,000,000 last year.

Read in this enlightening statement in the Chicago Tribune article: "Then they (the co-ops like Land of Lincoln) were blindsided last year when federal money they counted on to offset their losses didn't come through." Land of Lincoln has sued the Feds for $70,000,000 under one Federal program.

But it's too late.

In December of last year one South Carolina Obamacare company with 39,000 policyholders shut down. Policyholders had had about 90 days to replace their policies. How many other Obamacare companies are already out of business or heading down the drain.

Remember that huge bill in Congress and Nancy Pelosi's infamous comment that Congressmen to approve the bill in order to find out what was in it? And Californians keep electing Pelosi. Idiots!

Source:  http://www.chicagotribune.com/business/ct-land-of-lincoln-shutdown-0713-biz-20160712-story.html