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The one thing most people really must have but hate to buy is car insurance. Affordable car insurance is only appreciated when it is needed after an accident or wound from a natural disaster. The problem is that affordable car insurance is hard to find unless you have that perfect mix of a clean driving record, splendid credit and insurance scores, live in the right site, be in the proper age range, and drive a low risk car. For the rest of us, we may claim to have affordable car insurance, but we have to work awfully hard to make the premiums.

Drawing from personal experience and some tricky work on the internet, a list of companies that offer competitively priced if not affordable car insurance. When shopping for insurance of any type, construct clear that you shop. Try as much as possible to compare apples to apples.

Insurance agents like to build in things to drive the stamp up to earn bigger commissions. Online agents do the reverse and may leave some key items out to execute certain that they offer you the most affordable car insurance, but it may not always be the best for you. Here is a list of five companies that for the most piece are well known and respected. For comparison purposes, I have used an aging mini-van and not-quite-new Dodge Intrepid for test purposes.

The only discounts considered are for safe driver and multiple vehicle coverage. Several of these companies give discounts for membership in some professional, governmental, and civic organizations. Because there are hundreds of these, I recommend that you check with your company or agent for such discounts.

Safeco Insurance Company is one that I have original personal experience as an insurance carrier. For the two vehicles mentioned, the six month premium paid for monthly by bank draft costs $84 per month. For this amount, both vehicles carry both liability that is required by law in most states and collision. The collision deductible is $250 per incident and comprehensive is at zero deductible. The liability limits are above the minimum at $100,000/$300,000. The policy does not include towing or rental car at this price. It does include underinsured and uninsured motorist coverage. Medical coverage is limited to $5,000.

The Hartford Insurance Company is another excellent insurer that was considered. For the same two vehicles, the cost was quoted at $68 per month via bank draft. While the price was lower than Safeco, there were some differences in the policy. The two major changes were that the collision deductible was raised to $500 per incident. The comprehensive was not available at a zero cost deductible. The quoted price included a $250 deductible on comprehensive. At this level, a no-deductible on windshield glass that can be repaired is offered. Liability and medical coverage was the same level as Safeco. Uninsured and underinsured motorist, no towing, and no rental car are also the same.

American Family was the next company viewed for affordable car insurance. The quote on the two vehicles came in at about $65 per month on bank draft. No changes were noted in the liability coverage. Medical, underinsured, and uninsured motorist were included in the premium amount. Both vehicles were covered for collision at a $500 deductible. The comprehensive was set at a $250 deductible with repairable windshield wound excluded from the deductible. The quote was obtained without towing or rental vehicle coverage.

Because of their lizard and heavy TV advertising, Geico is the next company considered for affordable car insurance. They quoted these vehicles at about $105 per month with several differences in coverage. The liabilities, underinsured, uninsured motorist coverage was the same level. The mini-van was quoted in this offer without collision or comprehensive coverage. Also, the comprehensive and collision on the Intrepid were both set at $500 per incident. Both vehicles were again quoted without towing or rental vehicle.

The final company in this list is Allstate. Having weak this company a few times in the past, I have found them to be competitive when looking for affordable car insurance. However, for the quote on these vehicles, the monthly premium on a bank draft was $91. The coverage was the same as most of the other companies. Both vehicles were quoted with liability, comprehensive, and collision. The comprehensive and collision both carry a $500 deductible with the exception for windshield repair. Uninsured and underinsured motorist and medical coverage was included. Again, a rental replacement vehicle was not offered nor road hazard with towing.

Four out of the five of these quotes were obtained directly from agents. The fifth, Geico, was handled online only. There was no real difference in the clarity of the quotes with the exception that it is handy to have a live person to answer questions immediately. Geico’s website is fast and easy to use. I was able to get a quote within three minutes from the time that I started the form until the quote was offered. The agents that I dealt with in searching for possible new coverage for vehicles, were efficient, generous, and responded within a reasonable time frame.

It is possible to find the most affordable car insurance with a moderate amount of effort. You just need to be diligent to ask for the right or desired coverage so that the quotes are able to be compared. If you change your mind about deductible amounts or liability limits during the process, be sure to go support and be comely to earlier agents by allowing them to quote their premium amounts with the same terms.

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It is recommended that families should consider
children’s health insurance programs as a contrivance to cover the expenses should any of the children get ill or require any form of surgery or other medical expenditure.

Most children’s health insurance programs are relatively affordable and they can save the family from a lot of stress and worry caused by the financial burden of medical expenditure should it ever be required.

There are a wide range of children’s health insurance programs to resolve from with most insurance companies and you really need to determine what level of cover best suits your needs and then carefully read all the terms of the children’s health insurance program to determine whether a particular program sufficient for you.

With increasing medical expenditure occurring all the time it is well worth considering investing some money in a children’s health insurance program as it is generally not until something happens that you realize how notable such an investment is.

Get Kids Health Insurance Quotes at: USInsuranceOnline.com takes the worry out of insurance researching by giving you FREE quotes from top companies in a couple of minutes.

Top companies with agents providing quotes

AAA, Aetna, AIG, Alliance for Affordable Services, Allstate, American Family Insurance, American Service Insurance, Assurant Health, Blue Cross Blue Shield Health Plans, CNA, Continental, Country Insurance, Dairyland Insurance, Erie Insurance, Farm Bureau, Farmers Insurance, Fortis, Golden Rule, Humana, Kaiser Permanente, Mega Life and Health, Mercury Insurance, Mid-West National Life, Nationwide, Progressive, Prudential, Safeco, Time Insurance, Travelers, The Hartford, Unicare, United Healthcare, World Insurance, and over 100 others.

Online Insurance Guides and Resources

Health Insurance Resources – Includes types of health insurance plans, information on health insurance carriers, state-by-state medical insurance guides, and information for high risk individuals and families.

Online Auto Insurance – Explains types of car insurance policies, the details of auto insurance, state-by-state consumer guides, information for high risk drivers, and more.

Online Home Insurance Guides – Find out about types of home insurance programs, top homeowners insurance agencies, location home insurance laws and regulations, and other topics related to home owner insurance programs.

Life Insurance Online – Find out about different types of life insurance programs, check life insurance company statistics, and get details about life insurance for high risk individuals.

Annuity Resources – Find detailed descriptions of different annuity kinds, find out about the components of annuities, and get all the information on how annuities work.

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Dedication

This effort is dedicated to the former middle class of America. Those who are Nurses, Truck Drivers, Laborers, skilled and unskilled workers, Craft Workers, Bartenders, Waitresses, Service employees, Owners of small businesses, Window Washers, Cleaners of our buildings, Police, Firefighters, Teachers, Public Works employees, Industrial workers (if any still exist), etc. All those who punch a time clock, all those that sell their one gift of life, time, to support themselves and or their families by earning a living in the United States of America. You know the former middle class.

Introduction

Over the years, many of my cessation friends have often said I should compile a book based upon my experiences, opinions and observations. Therefore here we go. This book is meant to make you judge, make you laugh and most of all make you quiz the direction we are all taking either personally, nationally and as a society. Whether you are an executive focused most of all on your million dollar portfolio, or some poor working class person in America, who struggles to make it every day in life, this book pertains to you. Actually I hope George Bush reads it, or someone reads it to him! It’s an “airplane book” in a sort of way. It was my thought that if it could be read on one or two flights it would serve a thought provoking, entertainment purpose and abet you to escape your normal flight options. Sometimes what I tell you in its context is meant to be real in that it is potentially a realistic respond to a problem. Other times there is no acknowledge because the swear may be overwhelmingly complex and destined to wind itself in to oblivion. You see, where we are, where you are, the position we are in, is the culmination of results or consequence of our personal and or social decisions. To do things differently would require unwinding the problem over as many years as it took to create. Maybe God or the Supreme Intervener or whatever it is, has a different opinion. Only time will tell. Keep in mind that, drastic change requires drastic measures and the US has become a nation of mealy wimps watching everything go down the tubes.

Chapter One – What Are We?

In a former life I was a progressive Union Leader with the International Brotherhood of Teamsters. Don’t throw away the book, keep reading. I would often address large groups where I would pose the following question, “What kind of society are we? ” Almost inevitably the response was over-whelming and returned as a “Democratic Society”. I would say, “Wrong!” We live in a Capitalistic society. There are people of power in this country basing all their decisions on the basis of what makes them more money. What makes their stock more valuable. How to fleece America for profit. This is all unfortunately too moral. The great American society as we once knew it to include a single worker income with a home, job security, Sundays off, a family, etc., etc., etc., is gone. All the jobs which supported a healthy middle class here, now exploit work forces in third world countries. I want you to consider this. There should be a special import tax on any imported goods sold in our fifty states which are produced out side of those fifty states, if the manufacture of those goods was once here and moved to increase corporate profit. That tax should be equal to the amount of contributions which would have been made by earnings since lost, as Social Security and income taxes, and most importantly specifically stipulated to restore and maintain the Social Security System. We deserve this as a nation but we won’t see it because they’ve sold out America! Fewer and fewer employed paying in to support more and more un-employed or under employed on entitlements. We can fight a war for oil, American kids die, oil profits arrive plus 75%, billions and billions of tax payer dollars spent or worse borrowed but, but they won’t fund social security.

The extortion of America’s middles class, in the name of the War on Dismay and the actions of the “Halliburton’s” and “Big Oil” amounts to TREASON and those responsible should be held accountable in the same manner as Saddam Hussein. Our priorities suck. Capitalists whether Democrats or Republicans, only care about money in their pockets. NAFTA was driven by capitalists, capitalist campaigne contributions, lobbyists, and other types of influence in Washington… Hey are you awake? General Motors is in trouble. General Motors god dam it! Get in your foreign car and think about that on the way home. Once the middle class is gone your next. Once they can’t pay, you’ll have to and so on and so on until the last multi quadrillionaire has everything, claims he or she has . “WON”, and then sticks a flag in a pile of starving people claiming everything is his or hers. Dramatic, yes, ridiculous, no. Has it happened before? Why aren’t you a Roman? A Greek or an Egyptian? Because all great civilizations have fallen and they have all fallen the consequence of greed. We need to invest in ourselves as a nation. Now some idiot will say we do and we invest in education. I say to that person, “Are you really that stupid? ” We preach a good line of shit but in reality we have devalued the worth of education so that soon you will need a master degree to wipe cars in a car wash. Corporations are so corpulent of themselves they run totally focused on internal political alignment rather than performance and competence. I’ve seen it so many times. Promote those who are inferior to you and therefore you are not threatened. Undue those who are superior to you in ability so that you are secure in your situation and therefore the most able. Go ahead Mr. Vice President of Human Resources and deny it. You promote what’s best for those to whom you report, not what’s best for the competitive success of the company and then you all doctor up a characterize to the shareholders telling them that chicken shit is chicken stew, slap each other on the support and calculate your bonuses. It’s all about driving up stock value and not about any type of tangible contribution.

This is what we are. This is what we have become as a society and as a nation. I would like to rent Yankee stadium for one day. I would like to bring back the boring American soldiers from World War 1, World War II and Korea and fill the stadium. I would like our political and corporate leadership to sit in center field and elaborate to those Americans why the top ten cars in America are Japanese. Why we are giving North Korea billions of dollars begging them not to build more nukes. Why our steel mills are empty. Why you can’t buy a baseball glove made in the USA. Why social security is going bankrupt and it does not matter. Why each American must work two jobs at half pay to survive and that gas is over three dollars a gallon. Then I would like to give those deceased vets their guns back.

I remember when there was a quality to our lives in this country, Families mattered. A person had Sundays off. Sundays were for getting together, for reasons religious or otherwise. Everything was closed. People dressed in nice clothes and relaxed for the day. Holidays were like that also. Now it’s unprejudiced another day with few token institutional closings to gain it seem like a special day. They are lulling us to sleep and cutting us initiate and removing our vitals with so much finesse that most of you don’t know its happening. Think about the time they take your home because you can’t

Pay the taxes (only 20% of the town’s population is employed). If you are a planner at all, do a long term graph based on today’s trends and see if you don’t agree.

Chapter Two – Is it News Worthy

Do you view the news? Do you read the paper? How do you get your information? If you’re like me it’s all of the above. Isn’t it amazing. I have never imagined I would see and hear the level of insanity I see and hear everyday on the news. I love it when the spin doctors go to work. Let’s take the recent hurricanes down south, around New Orleans. Several years ago my wife and I watched a indicate on the Discovery channel about the hazards of living on the east and west coasts, and in particular in New Orleans. The show went on to say that New Orleans was below sea level and protected only by outdated levees. The show continued to discuss the climatic changes and the inevitability of catastrophic storms as a result of global warming effecting America. Now consider this. When my wife and I lived in Loxahatchee Florida, we received a notice from our home owner’s insurance provider, Lloyds of London telling us they were dropping us not the result of any claims but as a result of projected pending increases in the number and severity of storms affecting our area. That was in 2002 before we relocated to Maine. My question is why doesn’t the discovery channel and Lloyds of London run FEMA, they have demonstrated they know more?

The news media likes to take us on a little journey. I once new an idiot whose understanding of the truth was based upon the standard that, “It’s his story, he’s telling it” therefore it is what is believed rather than what is, that is significant. They don’t lie, they bend, embellish and exaggerate to sensationalize. What is important is what they tell you is important, not necessarily what is important. I don’t give a shit if Prince Charles visits the White House. Kids are dying in Iraq. We don’t need continued hype about approaching storms, we need facts. The tendency to promote the sale of bottled water and plywood over the years helped to create the conditions which worsened the effects of hurricane Katrina. Most people figured it was more bullshit and would objective blow out to sea like all the others. Don’t cancel the cookout. The news which over stated so many storms in the past was not taken seriously in the case of Katrina. Are the News broadcasters guilty? Are news shows based on ratings? No brain’r.

We really are screwed up. Now we have an entirely new media to exploit called the internet. It must be true, I read it on the internet. Bloggers. $399.95 for the complete desk top from Dell (made in China) and you can be a self proclaimed expert on any subject. The Bloggers on the internet are actually threatening to replace the CB radio as the sole information source for some people. What ever happened to a little thorough research on a subject and then a report which includes all the facts not just selected facts. Why isn’t the news more proactive rather than reactive. I’ve got an idea, how about a news show called, “If this trend continues” with Jon Stewart reporting. Topics for individual shows could be such as but not limited too, “Cost of Healthcare and the elimination of retirement at any age in America’, ‘ Labor Laws and competing in a global economy with our hands tied behind our backs’, ‘Selling your organs to pay for College tuition in the year 2010′, ‘War for profit, the Halliburton secret to success”, “Who pays taxes when we are all out of work”, and my accepted, “Basing your vote on the best TV adds”. Dumb or too close to reality. What’s distinguished to you and why don’t they picture on that? That, my friend is what should matter.

I’m not entirely against sensationalism in the news and there are a few responsible reporters out there who can report a story and then demonstrate their disdain for it with a simple facial expression. Robin Mead comes to mind. She’s the best. In most cases the people I know don’t want to know what’s going on. They want to deem they know. It creates a comfort level. Our government wouldn’t do that! There are no drugs here. These people spent too much time watching Leave it to Beaver rather than 60 minutes. If you take the time to piece it all together from various news and information sources you quickly identify the larger scope of today’s social issues. Once you identify them calculate them into that long term graph we talked about earlier and then establish that against a declining work force to see whose going to pay for them. Since you’re so confident you’ll be the last one working, how much will you have to earn to pay for it all by yourself? 200 billion a week? You’ll be alright; you’ve got that Bachelors degree under your belt.

Chapter Three – Religion

So your thinking, “This guy’s nuts”. Who in their right mind talks about religion? Too controversial. Well, I’m a recovering Catholic. That’s just, I went to catechism, high mass in Latin. I was raised by an insane mother who thought God did everything good and the devil did everything bad. That we were all incestuous offspring of two nudists who woke up in the Garden of Eden. Just when I thought I could name the Saints, the church changed the rules and some of them previously worshipped bastards fell from grace. Had to eat fish on Friday or you will go to hell. What happened to that one? Oh yea McDonalds, must have to sell burgers on Friday too. I watched all this crap as a young kid growing up and continually questioned it, which got me slapped in the back of the head by one offended, drunken Irishman named Father O’Brian. If you are a good parishioner and your marriage is on the rocks, you are supposed to seek the help and counseling of the priest. That’s right, the priest, Sworn to celibacy, living in a isolated world protected from the pressures of the world by the donation basket and the nuns caring for him and the rectory not to mention the ladies

Guild. What in the fuck does he know? The most right portrayal of a priest I’ve seen was on the Sopranos when the priest would come over to Tony’s home, drink his wine, eat his food and try to screw his wife, Carmella. After all he was aging and not so able to catch little boy parishioners. That’s more like it. Another good one is if you act in the great manner as prescribed by the teachings of the church, God will help you succeed. More bullshit. While you’re praying for guidance your piers are plotting against you and totally undermining you to ensure their success. You go down the tubes. There’s no justice.

If God thought that sex was so bad, why did he or she make it feel so superb? One of those topics for my afterlife review if in fact there is such a thing. Go forth and multiply, but sex is a sin. Who performed the marriage ceremony for Adam and Eve? Protected sex is against the church. Are AIDS and some of the other diseases going around today better? In any case, all this religious application toward the thought process of life has resulted in major political and therefore social influences which resulted in wars, ethnic cleansing and other disgusting acts by mankind against mankind. As smart as we think we are this continues today. If you truly are a religious man with a religious wife raising a religious family by religious standards in today’s world, it is truly miraculous. I say my prayers every night but I don’t know where they go. They are hardly ever answered. I pray to be a better man, for my family and to hit the lottery. I’m changing my approach now and I’m going to pray that you find this little book entertaining.

Chapter Four – Labor Relations and the Global Economy

I don’t think there is any one dwelling of our global economic competitive base that needs more attention. We are competing against a world where everybody else has an advantage and we are disadvantaged. Our controlling laws and standards which were drafted primarily between the beginnings of the 20th century up until some minor changes in the 80′s are outdated. The National Labor Relations Act (NLRA), Labor – Management Relations Act (LMRA) and modifications such as Taft/Hartley were designed to deal with the issues and pressures of that time. Let’s talk about one itsy-bitsy established legal action called a strike. As a Union Rep I often commented that a strike was a failure by the negotiating team to successfully reach an agreement with the employer therefore putting the burden of representation back upon the membership in the form of financial capital punishment. Nobody wins and everybody loses. In a global environment, foreign competition gains market share, ours loses. Employers see an advantage to intelligent to a controllable labor environment, shipping jobs to the third world, as a long term path to their success. Keeping it brief and not doing justice to this issue, Unions in America and elsewhere need to position themselves as the, “preferred provider of labor” by training their membership and by offering a higher level of productivity creating long term employment and job security. Dump that strike language and adopt a binding arbitration system based upon the following;

- A Parties position must provide a highly competitive base for the operation of the enterprise.

- A Parties position must provide for the long term security of the workforce by providing continuing employment.

- A Parties position must align with the mission of the enterprise.

- A Parties position must provide for Quality of Life for all employees.The Arbitrator should be compelled to award an all or nothing decision based upon which party meets the conditions of the settlement guidelines or standards. This type of process would in actuality force the parties to move closer together during negotiations as they try to prevail by the standards of award. In most circumstances there should not remain enough distance, between parties, on issues, to create a continuation of a dispute but more likely resulting in a packaged, agreeable settlement.

I would be remiss if I didn’t choose a minute here and explain I’m not union bashing. If you want an example of a modern union with great leadership take a look at the United Brotherhood of Carpenters. Under the leadership of General President Doug McCarron and others like Doug Baines, Andy Silins and Anthony Graziano, they have developed a State of the Art Training facility in Las Vegas. They have pulled out of the good ole boy standards of the AFL/CIO and are taking a progressive and obvious stance in dealing with their employers. They have become the preferred provider of the highest skilled labor and therefore the most productive workforce building today’s power plants and other types of highly technical construction and installation projects. All our hats should be off to these guys as they really are putting America to work.

Chapter Five – The Promises of the 60′s

Let’s get back to some fun stuff. I probably lost you with the Labor dialogue, I hope I didn’t but I might have. I hope you can remember the 60′s. If you are older than I am, I was born on 03 / 05 / 50, you hated the 60′s. If you are in my age group, you’re trying to figure out how to come by back to the 60′s. If you’re younger than me you probably have a distorted view of the 60′s.

In the 60′s:

Rock and Roll really had a beat that made you want to dance. Rock and Roll, ROCKED BABY!

Pot was cheap and twice as strong as today’s’.

You could buy a car the way you wanted it, colors, motor, tranny, radio, etc.

You could quit a job in the morning and open a new one after lunch.

AMERICA WAS A MANUFACTURING ECONOMY!

TV was simple, you had about four or five FREE channels and the youngest kid was the remote control.

A high school education was something to be proud of.

Girls were easier.

Boys were harder.

You didn’t risk your life making like!

The Vietnam War was raging, young men were dying; Politicians were deceiving the American public. Now? No then! Well, now too!

We had the Beatle’s, the Stones, Motown, Jay and the Americans, the God dam Beach Boys!!

First-rate times, the best of times, no fears, no guilt, spruce air and water, cheap rents and beer.

Transistor Radios the size of a pack of Cigarettes.

Drive-in movies,

Gas was 30 cents a gallon, etc.

And last but not least, MINI skirts were everywhere!

The 60′s did not have:

Marilyn Manson

Cell Phones, (you had to consume pay phones but the cost was a dime!)

Satellite TV, the cable snake; XM Radio

Aids

Foreign Cars as widely seen as today. They were called “Jap Crap.”

Hard Rock, Screaming Rock, Rap.

Bottled Water you have to buy.

Rampant unemployment.

The Bird Flu

Total disillusionment, period.

It was fun times, where America (as it used to be referred too) was number one in the world. My civics class books outmoded to show China as a starving farm land, populated by people who carried two baskets hung on each end of a pole, carried across their shoulders. Teachers used to show us “pie” charts indicating America had all the natural resources it would ever need, it could FEED the WORLD! We were it man, we were it! Russia was the bad guy. Them Russians man, Khrushchev banging his shoe yelling, “We will bury you”, turns out they were all wrong, those crazy Russians. The Japanese bought us, the Arabs control us, the third world has all our manufacturing, and the Koreans have all our money. Drive-in movies, to a great extent, no longer exist! If you ask me, that was the sign of the beginning of the end, moral there. Basically let me summarize what happened. Why you live in anguish. Fear of tomorrow. We were raised under the “Mushroom” theory. That’s right. We were kept in the dark and full of shit. They told us so powerful bullshit; Americans were in denial that things were being sold down the river. That’ll never happen to US! We’re number ONE! Hell, George Bush and the Bush Cartel, tranquil think that you’ll believe anything. Yes folks, they are marching us toward the branch covered hole and telling us not to pay any attention to the guys with the guns, lining the rim!

We don’t really want the 60′s back. We want that feeling of greatness supported by accomplishment and security of our futures based upon living honest, and working hard, after all, it’s the American dream. Is all hope lost? Probably.

Chapter Six

I Got to Get Out of This Region – Earth!

There’s about a snowballs chance in hell, of ever turning this accelerating spiral to doomsday, around. Some people think it’s all been predetermined in the Bible, by our Friend and Savior! What a lousy joke for him / her or it to play. More likely it has been predetermined by the stupidity of Man. Let us fantasize.

How about a political party called, “Americans for America” whereas all political positions and goals will be focused upon the intent to stabilize the standard of living for Americans, create ZERO National debt, pay as we go. A party that recognizes the world as secondary to the America we should be, therefore allowing America to positively influence the world. The transition of the world to a higher standard of living should be more gradual and developed along some idea or strategy again focused upon the improved standard of living for the effected populous. Slowly region by region supported by our own strength of standards, America could help develop product demand and manufacturing based upon regional stabilization, demand and economic development rather than capitalistic fleecing. Opening to outside markets should be scheduled to coincide with that regional developmental economy attaining success and stabilization creating parody with the other trade partners. In the same thirty and counting years it has taken to gut America’s vitals, weaken the sensible leader, and set all the world at risk, we could have created several, nine or ten, regional stabilized economies in places like Africa, the Arab world, Eastern and Western Europe, etc. At that point in time creating a global economy would not create the dismantling of any one participant. The only justification for the arrive we have seen taken was corporate influence for the sake of capitalistic gain. Man, what are you talking about? It all makes too much sense.

I don’t believe that anyone really has a doubt that this whole climatic, social and immoral mess is going to collapse. It is rightfully so. We are the cancer of “Mother Earth” and nature has a way of dealing with problems like us. She has all the time in the world to wait once we are wiped out and allow the earth to cleanse itself back to clean water and air, green trees and peace of nature. If you disagree, go pet your dinosaur. But it is amazing and we are lucky enough to live during the times, when we watch ourselves totally out of control and insane, help her along.

I’ll issue you a fair challenge. I want you to watch a program called, “Valid Time”, with Bill Maher. At first you will only see the Liberal side of the show, but as you continue to watch you will see that the conversation and debate on that show, exposes all sides of an issue. There are some absolutely brilliant guests on that show representing the conservative point of view. I have learned more by studying Real Time than I have anywhere else. If I had to summarize the desired resulting thought process necessary to put the world’s civilization relieve on a positive track, I would say there should be no liberals, conservatives, capitalists, terrorists or any type of religious fanatic. There should objective be what is currently most lacking. Thought based leadership based solely upon common sense.

Chapter Seven – Death

Dying is the only way we are ever getting out of here. Death makes no sense to me at all. I can’t select the concept. You seize a wonderful being who has gained all this knowledge, built his or her legacy, large or puny, and then they’re gone. Love and all. Abhor and all. Whatever the case may be, they are gone. Kind of senseless.

We are the only animals on Earth to live with the knowledge of death, supposedly. Now there’s a gift. I’d rather not know, how about you?

I once watched a documentary on death where it was proven a small energy pulse leaves the body upon the exact time of death. Could that be our soul? Flying in big jets kind of finished off my belief of Heaven. What is that energy and where does it go? I have also been told that what is naturally here on Earth must remain here on Earth. We all know that electrical impulses are what support us breathing, our heart beating, so when this energy leaves our body what does it become? There are many interesting beliefs that near into play with this gem of thought. Are those energy forces Ghosts? Are they what some believe is the basis of reincarnation? Wow, follow me on this one. Do energy forces continue to sustain memory and preserve intelligence? Is it in our ninety percent of unused brain that these energy forces reside, hide and appear at some later time to achieve mankind? Interesting stuff. Of course I’ve just ticked off all the religious understanding based people who read this book. I know, we all go to heaven regardless of religious beliefs, or denomination and if you are a Catholic even if you are the biggest scumbag ever lived, you go if you go to confession and accept the last rights!

Where do “we” go? We remain here on Earth. When all this “stuff” is looked at it seems as though the scientists have the best ability to create somewhat of a believable scenario. When some of us gifted with ESP. or other types of paranormal abilities, claim to be able to justify by some means, life on the other side, science is quick to dismiss any such claim. You need accurate evidence which cannot be provided. But I’m not so certain. If you step back and just look at what’s going on, it all fits to well just to be an accident. Documented claims to reincarnation go yet unexplained. Visionaries and profits, how about them? I’ve seen it when a dog howls the night its master dies with no way of quick-witted what had occurred. How does the dog know? All this stuff, we have created about death forms a smorgasbord of possibilities to allow each individual the opportunity to pick what’s most pleasing to their palate. Death is too distinguished, affects us all and is the purveyor of so many mysteries, to not be explored. Maybe it should be the next great frontier or maybe it’s just simply when you die you die, that’s it. It has been proven the human mind is not capable of comprehending infinity, maybe death is infinity? Oh you can say the word, know what it means, but I’m talking about really understanding it. No beginning and no end, on forever, never getting there, no middle, no front or back, no top or bottom no dimensional limitations whatsoever. Try to vision it and your head starts to hurt. From our first breath here in this life, everything we are exposed to is dimensional including our life!

But we know Residence is infinite! Yet things are born and die in position. Planets are born, stars nova, comets are formed; there are gases, minerals, asteroids all kinds of stuff. Where in the hell did that come from? The Father of infinity? What was there before position was there? A vacuum? What created the vacuum? What surrounds the vacuum to keep it absent of any matter or gas? How can you surround infinity? Wow! Remember I warned you, you can’t truly comprehend infinity. You start thinking in terms of a beginning and an end. You start thinking dimensionally. Well, maybe that little pulse of energy is infinite. Maybe it visited a non infinite being for some yet undiscovered reason. Maybe life itself creates all the confusion as upon conception it steals a little piece of what otherwise would remain as infinite cosmic energy, and uses it for a “battery” for awhile. Whatever is going on seems to work even though we can’t understand it or accept the consequence of its end. What all this tells me is to enjoy every day, fill your life with people you love and love you, be good to as many as you can, never kick your dog and be inform with your position in life. Unbiased do the best you can. Who knows, what is most important about a life maybe the smile its memory creates on someone’s face after it ends. But do me one petite favor. The next time there is one of those really clear nights, with a full moon, drive to a dark, and remote place away from any city lights. Look at the sky with all those stars and planets and try to contemplate infinity without wondering what’s on the other side. There isn’t, “the other side”.

Chapter Eight

The Only Real Differences in People

We are all aware of the different types of people inhabiting our planet. Differences which provide the basis for class or individual discrimination. We discriminate based upon National Origin, Hasten, Sex, Size, Age, Religious Beliefs, Political Beliefs, Financial Holdings, and Education. There are probably more examples but these are enough to make my point. These people on the receiving end of this discrimination whether it be illegal, or legal but immoral, smooth remain a cross section class, where it should be definite if in fact these people have attributes. And, guess what? They do. I judge there’s only one characteristic which justifies discrimination to anyone, non-discriminately. I consider we should openly and vigorously discriminate against assholes. Yes, you know what I am talking about. Hitler was an asshole, discriminate against that bastard. History is full of assholes that got away with a large deal of bullshit which hurt many people in horrific ways. I’m sure you can think of a couple of assholes right now, maybe sitting next to you. Fuck them, discriminate against them every god dam chance you get. If everybody is discriminating against you, and you can’t determine why. You’re not fat. You’re not black, yellow, short ample, overly religious or any of that. As a matter of fact you’re probably a fashion model, movie star or something. The problem maybe, you’re an asshole. You fuck over everybody with your stupidity and self centered nature. Maybe your kids are undisciplined assholes, and everybody knows it, the reason is, you are in denial about their behavior. That makes you the mother or father of all assholes. There have always been and will continue to be a large portion of society which are assholes. All the laws of man have been established based upon the titanic need to deal with assholes and asshole behavior. That is the quandary, the real struggle of mankind. It’s not pleasurable and evil, black and white, Arab and Jew, Republican and Democrat, it is assholes against non-assholes. I say, ruin all the assholes and the world will be so powerful better. That’s apt, the next time you are pulling into a parking place and someone speeds in just before you, kill them. The next time someone cuts you off in traffic, boom, gone. It was supposed to be the natural order of things back in the early history of man. The non-asshole cavemen were more loving and supportive of one another, their families and tribe. The asshole cavemen were banging each other’s mates, stealing each others food, shirking their responsibilities around the cave. They were not supposed to survive. They were supposed to freeze without firewood or saber tooth tigers were supposed to eat them. But some of them made it. And guess what? They’re having sex and multiplying. Yes these assholes are not without influence. They have joined together to influence every corner of mankind. Asshole lobbyists have greatly influenced our laws and government. Why we’ve even had some get elected President! One got in even without a majority vote of the populous. Yes these are sneaky assholes and we really should do something about them. I am afraid sometimes because I think within this overall rule by a majority, the assholes have greater numbers. They can then pass laws protecting themselves from what should otherwise be a natural outcome. They may even decide to launch killing non-assholes. Could you imagine the fate of non-assholes like you and I when there becomes total control by assholes? That may be when politics comes into play. We will disguise ourselves and our beliefs to align with theirs. We will disguise ourselves as assholes! All pretty crazy. Joking aside, it is the nature of mankind that creates these antagonistic differences. Somebody doesn’t do something the design that you do, or respond in a manner that you approve of, that person “irks” you. I’ve heard it my entire life. “Irk,” translation, “To piss off, frustrate or anger, generally accomplish dislike for ones self. Irk(s) the emotion created by someone performing an act, making a statement or gestures for which you do not approve.” Many of us budge through our everyday drudgery getting irked continuously. You can not witness in any direction, at any topic or spot of everyday life and life’s events and see anything positive. Everything is bad news all of which falls directly upon you, the individual. This my dear friends is why we have terrorists, why people hate other people to the point of massacre and genocide. Some may be more controlled than others, such as financial and/or social genocide, such as we are seeing here in this country. Some may be more directly obvious such as the mass graves we gaze in places such as Africa and have seen in Western Europe. This is all the nature of the beast that we are. You can’t change the core nature of DNA; simply by thinking you can use education as an accelerant to evolution. The nature of Man is the root cause of our insanity, and will be what causes the end to his reign.

Chapter Nine

Justice

America the powerful has become a nation of “Bleating Sheep”. I probably should not have been that direct, but I hope I have your attention. We punish our contain to protect the rights of others who, follow me on this, have absolutely no deserving reason justifying any entitlement of any rights or privileges and whose actions and beliefs are of such a extreme and distorted value that their own existence is best terminated. Wow! I sight and read how persons are beheaded, women and children and innocent men are systematically slaughtered, mutilated and thrown out with the trash, and then I listen and read where people in this country are upset because one of our soldiers allowed his dog to bark and snarl at the same type of terrorist character’s balls. Fuck You! We will sink so fast based on our beget self righteous beliefs and that broadcast of weakness will make us the weak target the world sees us as now, to even a larger scale. Hey let’s go fuck with America, at a minimum they’ll give us billions to stop! If you think I’m kidding, what do you think Candeleeza Rice is doing in Korea? You need to understand. There are beings in this world that have not evolved into Humans. They have evolved into animals. With the support of do-gooders like some in the U.S., their continued deviate evolution not only continues it feeds and grows. I know, our higher standard, well shit on that. Let’s say someday they are bold enough to show their numbers here in the U.S., and decide to attack a shopping mall and slay, slaughter, dismember rape, desecrate and gut all those innocent shoppers in the name of Allah, or Osama or Donald Duck! Doing this act in their shit for brains mind and getting killed for it makes them go strait to terrorist heaven. Now if you’re one of those people who are appalled by my point of thought, suppose YOU were there shopping that day with your Daughter, Granddaughter, any loved family and friend, and one of these pigs held you by the hair ripping your blouse open, while his buddy grabbed your kid, held his head assist, and while you were watching and begging for mercy, shoved a ten inch knife through your kids throat from help to front so you could watch the blade exit in front of your very eyes. Then, while that corpse was falling to the floor, the one holding you would prick out your eyes so it would be the last thing you ever see, if in fact you survive, while saying to you, “Narrate your American President that Allah is good, Allah is great and all you infidels will suffer this fate.” Because, Ladies and Gentlemen, that’s what these animals are like. They fantasize about the ability to do that sort of thing to all of us. That’s what they mean by, “Waste all of US”. People here act like that means show up at your house with a Tupperware container full of cookies! The accepted reality of their choice to participate in terrorist behavior, justifies in my mind, like treatment in return. We ought to fill an airplane with them and fly over their hideaway and tumble them on top of their buddies. That’s one they can’t do, we control the air, and our government’s Air force ought to use it.

If the thought of free flying terrorists screaming all the way down toward Earth, until they break through their buddies tent roof and kill them too, doesn’t suit your need, what does? What do you think has to be done, in a manner they understand and can relate too, that will deter them from their insanity? Do you think that we should send in the Red Cross armed with enough Thorazine injections to relieve them peep the light? One time I was involved in negotiations for a collective bargaining agreement for the Daytona Police Department. The Attorney representing the City of Daytona Beach commented on my response to a City position by referring to me as, “an eye for an eye, guy”. I responded by saying, “Do not be confused, I am a head for an eye, guy”. The one concept that is seems Americans and the world cannot understand is that there are cultures such as we are dealing with in Iraq that live and breed to Abhor and Die. Look at the example set by “our” side during the hanging of Saddam. I was disgusted. It seems as though we should have set an example of high standards rather than taunting the man being hanged minutes before his death. What I got out of that is that “we”, our side, is no better than their side! We should have unprejudiced hanged him and turned the body over to his remaining family. Let me make it clear I benefit this as a procedural execution. In the streets, reap what you sow.

Where is this Justice that we all think exists? The court system or legal system is nothing more than a game. It’s all about money, tactics, technicalities, positioning, strategies and good bullshit. You know what I am talking about. How about that little girl in Florida, taken in plain sight on video, found raped, beaten to death and buried in a shallow grave. Then the person who did it, he’s on the video, shows up in court and says, “Not guilty”. How about the same type of situation and the criminal, although found guilty, is given a light sentence, or some therapy sessions with the Judges’ cousin and let loose? All this crap wears me down. I can’t understand it. I sure as hell do not want to write about it anymore. I think things should be resolved along a more equitable means.

I think if:

You rape or intentionally injure someone, a child, an innocent woman, or anybody by some means; you should reap what you sow. Whatever you did, should be done to you. Take one of these deviate bastards, hand cuff them, put them in a cell and let the victims family go in there and beat them with claw hammers. That’ll send a message.

You commit a crime with a gun; you get mandatory life in prison without parole. I think that works better than harassing good citizens that savor shooting sports. Besides, the NRA has become too political because of our legislative near to resolving gun issues. They are so narrow minded they support political candidates based upon a single issue, which ultimately effects us all. In my opinion focus on the criminal, and don’t pussy foot around, maximize the deterrent.

Finally, if you are at war with us, as a terrorist and you are captured, you get dragged through the streets at which your roadside bomb killed Americans who were sent there to try and stop the genocide of innocents. I don’t care how you’re treated, you have no rights, you wipe your ass with the Geneva Convention standards. You deserve nothing, and you’ll get less. You waive rights with your behavior. They live to kill us because we are Americans. That’s it. Kill them American infidels! I say fuck you die you bastards die, die hungry lying in your occupy shit but die now the sooner the better and go to Allah fucking heaven! You may think I’m a radical from all this, but nothing I have effect down on this paper is as radical or as stupid as continuing with the practices being employed at the time I write this. If you can’t understand that, I can’t help you.

The “Bush War” or “The War to Increase Oil Profits” however it will go down in history, is over and has been for some time. The blurring with the beginning of the civil war in Iraq has many confused. For some time now I have been telling my friends the country, Iraq, should be divided by group. Fair fraction of oil reserves to each. Appropriate land per capita. If an Iraqi decided he or she is not going to move to the area appropriate for his/ her beliefs. The others will most likely kill them. NOT OUR PROBLEM! Ever hear of East and West Germany? North and South Vietnam? Besides, then we’ll know which ones to bomb.

Chapter Ten

Trash

When I was a kid, soda came in reusable quart bottles, coffee came in thick paper cups, and groceries were carried in thick brown paper bags. Whatever happened to these products? As we are all so aware that everything is now plastic we should be equally aware that plastic is petroleum based. That’s right petroleum based. Why do we need some of these products which obviously would better serve mankind by being eliminated? Coffee used to taste tall in those paper cups and you could save them to use to start your seeds for spring planting. Grocery bags musty to serve many purposes up to and including making great book covers. How about cotton and wool clothing? You know where I am going. Products which were based upon renewable resources, created jobs here in America and were better than their plastic or synthetic counterparts. Where did they go and why? I smell capitalism at work; could it be there are greater profits in products derived from petroleum? Today, right now, there could be no better time to return to utilization of products derived from renewable sources available here in America. Oil producing and therefore controlling nations are looking at us like a wolf sees a rabbit and they are fair. We are on our knees to these countries and having some as friends is not going to be any wait on in the near future. The best thing about these products from renewable sources is they disintegrate over time when discarded. We have mountains of trash growing daily from the dumping of unimaginable amounts of trash everywhere. Some of the stuff we throw away will last a million years before it is broken down by nature. Is that why some people do not care? We need to adopt mandates which provide for the reintroduction of some of these simple products into mainstream America. Go back to washing diapers, paper trash bags, reusable containers, bulk sale items, better quality items which last longer including appliances and furniture. We need to get rid of this throw it out – get a new one mentality. We need to expand upon renewable products to include automobiles and other big ticket items. An example would be interchangeable bodies to chassis on cars, engine exchanges for upgraded efficiency, recapped tires on an improved technology basis. I could think of a million of these types of “out there” concepts but, my friends; they all fly in the face of today’s priority, convenience! As part of our energy development program we should include the development of non-petroleum based products to replace petroleum based products, and reusable, upgradeable products and long “life” products to discontinuance the overturn of throw away products filling our dumps.

Simply said, “If it’s not reusable, recyclable, upgradeable or have a fifty year use longevity don’t make it or sell it or import it. If it can be made from a renewable resource but isn’t, don’t make it, sell it, import it, buy it or use it.

The FINAL Chapter

The ‘BIG’ one -Fantasy or possibility!

Sooner or later the middle class of America is going to become totally outraged with government by the rich and famous. After all it was never the intent of our Forefathers. There has always been talk of the coming revolution in this country. I have considered the alternatives to a war of weapons with our own government. Although thought inevitable by some of our radical militia groups, not very realistic a concept. I think if a revolution occurs it will be based on the one thing that strikes home to every capitalist at every level whether governmental or corporate. I judge it will be a war of dollars. I contemplate Middle America is going to say, “Why should I wait for you to take it, I’ll cash it in now!” Imagine if the middle class could all come together, finance everything they own, turn it into cash, hide it, move it or take it with them out of the country. Then, quit their jobs, sit back and thunder the government, the banks, the insurance companies and everybody in between to fight it out for the remains. Property values would crash, our entire system would shatter. That’s right, a revolution using the system to beat the system.

Imagine if;

At the end of the “Bush” era, America was on its heels. Trillions wasted on a senseless “war” for oil profits, a split Republican Party, and a total loss of faith in America prevailed everywhere. Social Security was all but bankrupt and steady unemployment was passing the fifty percentile of the work force. I need to comment on this unemployment figure. The government continued to spew figures showing unemployment at between four and five percent. Let’s look at it more realistically. The unemployment roles do not show workers beyond one year from lost employment, they depart. Nor do these statistics gather the numbers of under-employed, those who had earned upper middle class wages, now earning poverty level wages. Deem this. The poor have never been effected by a dying economy, as they exist on entitlements and menial employment which is usually not cashed in on, overseas by the capitalist profit takers. The rich exist on inherited, invested volumes of money hardly the result of week to week paychecks and therefore isolated from the declining economy. More likely these invested amounts were heavily placed on the corporate, capitalistic strategies which led to the demise of the middle class, profits taken from BIG oil, etc. Concept this, the total of unemployed, under-employed, early retired, displaced, misplaced and thrown away workers smacks hard and directly on the Middle Class. Since government statistics include the entire population at four to five percent, those percentages would probably more accurately be fifty percent of the middle class!

America, in what turns out as the last election as we know it, elects a woman President and a same party, one-sided House and Senate to wait on her introduce change,

By this time GM and Ford have taken on subsidiary roles in mergers with foreign automakers trying to protect the value of the shares for their investors, and assisted by intervention by the Federal government in an effort to avoid chaos. Although timelines are vague, the disgust of the American voter becomes more and more evident. Demonstrations are everywhere; people are losing their homes, only the rich can afford health care. Oil and gas along with related energy products are so costly, people can no longer heat or cool their homes, automobiles are abandoned everywhere, things are basically, “in the crapper”.

Somewhere along the line during the Bush Administration, a new organization began to develop, to be known as “Americans for America”. This organization began a grass roots effort to bring change to America, focused upon an all or nothing goal to restore the middle class. Having a philosophy based upon the theory that to try and live in the remains of America, was far worse than many alternatives. The realization that around the world, places existed where people could go with what would be a “pittance” here and live quite well based upon the exchange values of those economies. And seeing that alternative as an acceptable contingency plan if ending as a failed strategy, the Americans for America party began challenging the systems used and exploited by those in power. Choosing the year 2015 as the peak of their efforts, the AFA began holding seminars for the disgusted citizens explaining ways to mask income, if any, cloak any holdings, over finance any assets and basically cash in on all available monies as individuals, families or groups, culminating with a mass exodus from America occurring simultaneously on April 15, 2015. This massive exorcise of protest would bring the corrupt government to its “knees” as continued operation of all programs would be impossible. The AFA, representing about thirty percent of Americans, would pull off the greatest of all revolutions seen in the history of the world and do so in a way that the capitalists would understand. They shut off the pipeline of dollars. The investments of the rich collapsed the poor remained unaffected as their lifestyle changed very little and America would be changed forever. The AFA sent the message that, “We will decide when we no longer exist in America, Not You. We would rather leave with what little advantage we have left, than to wallow in the cesspool created for us by the capitalists disguised as Republicans and Democrats”.

When the world became aware of the actions taken by this big group of Americans, all economies became at risk of failure. Only through the efforts of many friendly governments and the United Nations would a positive outcome be possible.

A new structure to Congress would require an equitable number represent Middle America. Ancient technicalities and complications of law would be thrown out and a new more well-liked sense near would apply to all aspects of American life. For example the strait ten percent income tax became a Constitutional amendment. The elimination of ninety percent of the previous tax department (I.R.S.) saved billions of taxpayer dollars annually. Elected Officials to Congress were provided an income equal to the median income of their constituency. Lobbyists, lobbying and all forms of contributions to elected officials were banned and elections became taxpayer funded and controlled. These types of dramatic changes would be the only cause for return of those Americans, who risked everything to restore America to what America was meant to be. Through this action and only through this action could, “Pursuit of Happiness” once again be realized in America. The power of well-organized government continued to display its high level of sensible application to remedy all types of circumstances. Another example is that all foreign aid was stopped cold. The only aid to be granted was based on humanitarian need. We became less a target for anti-American organizations because we were not using our dollars to influence their government for self serving, political, capitalistic reasons. We become the leader of the World, by example. The raze of billions of corrupt dollars given away overseas, provides financial availability to be outmoded for accelerated recovery when utilized for humanitarian purposes. The continued down sizing of government and rational, intelligent use of taxpayers dollars provides for increased programs for development in the United States creating more high paying construction and related employment. And the restoration and apt the improvement of the Social Security system is realized. The infrastructure of America would be rebuilt.

The sensible come by a government, having an equal share of power to the middle class, could enable many advances in all areas. How about access to college based upon ability. How about a school system which allows students the ability to self advance in areas of study they find easy, for which they have greater aptitude? How about a criminal justice system based upon convicted prisoner accountability? I always laugh when, whether watching a television show or in a conversation, I hear, “That person paid their debt to society.” The truth is that person of reference did nothing but create additional, useless and non-productive debt, to society. The law abiding paid the debt. Prisons should become training facilities where prisoners are released only when they have a skill which will generate both an income for themselves and repayment of an “incarceration loan” to the taxpayers. Our current system provides only greater costs, more incarcerations until you are better off being “in” than you are being “out” and having to pay for it!

If I can push your imagination, a realistic, common sense near may be applied to all challenges facing mankind. Answers are less difficult to see if you capture capitalistic interests. A realistic approach tells us;

Take care of your own so together everyone can occupy care of others.

Invest in your people and that is an investment in improving mankind globally.

Recognize the importance of a strong economy as a tool to secure your social structure, not to be exploited.

The more laws you create indicate the failure of your society.

Persons of little valid value, but of political authority are cancerous on society as they deny the truly distinguished persons opportunity to lead.

Political participation is a “loud” process and should be heard either directly or indirectly, but never be silent!

Closing

I thank you so much for having taken the time to read what I have written. Love what you have read or dislike it, I have made you reflect. Although I presented some very unlikely scenarios, what could be more unlikely than the reality of the events bringing us to where we are today? Greed for profits has given away the strength of what was once the greatest industrial power, and left America an empty “shell” forced to lead the free world with its army rather than by example and guidance. What a failing on our part. History will look at us as buffoons of the past. Those that had it, exploited it, gave it all away and then tried to control what was lost. War has never made sense but at time was necessary to protect one nation from another. We look back at Alexander, Caesar, Napoleon and others as heroes when all they were was successful takers. Killers of thousands. But at least they fought with honor. Not like today where the enemy intermingles with the populous, fights from shadows, practices atrocities amongst there hold brothers and sisters. How can you fight that? If nothing else is clear it should be that in such a case the internal genocide is a sickness of the civilization in itself and not curable from the outside by any third or fourth party. It must be dealt with from within.

Wherever you are in this world, as a member of the human accelerate change may happen. In America we need to focus on purpose. Our purpose should be the well being of America which then in turn provides us a better position to help the world. A weak America has developed the world into an “Alfa absent” wolf pack. There is no respect for failure and incompetence and that is all America can display from the mid 60′s through to today. Everywhere you notice we have given it away. It is my strong belief that social genocide is no less an offense that physical genocide, therefore we are guilty of perpetuating genocide on our working middle class. Blue Collar America is now Blood stained, Red Collar America. While people like and including the Bush’s, the Kennedy’s

and the Clintons, amongst many others, continue to speed things, position the direction of things, socially and politically there is little hope for the rest of us. The whole focus for the next election is being established as the war in Iraq. Although a major concern, the war is only a small percentage of what the next election should be about. We should be out of the “war” today! We should have presented to us as voters each candidates belief on restoring America by creating jobs that people can actually survive on and long term maintenance of those standards by proposed Constitutional changes. We should ALL HAVE QUALITY HEALTH CARE without it bankrupting families and the elderly. We should have a realistic plan to deal with lawbreakers other than extended free housing. We need responsible management of our educational dollars based upon opportunity value, based results. We need to stop giving money to the UN for it to give to North Korea and China. Any aid should be strictly focused on humanitarian needs. We need to stop genocide anywhere, anytime any flavor, whether it is physical or social. We just need more people to become aware of what is happening here in America. We need to make America strong again economically and once we reach that point we need to lead the world forward on quality of life vs. economic exploitation.

End

Special Thanks To:

“Grandma Rose” always in my heart,

Mr. Ron Carey, the greatest Labor Leader ever,

Dr Jon Goldstein, economist extraordinaire,

Mr. John Hanson a suitable liberal and mentor,

Mr. Bill Murphy, Department of Labor education, U.M.O. friend and mentor,

Mr. David Kornreich, Esq. friend, mentor and example of excellence,

The members of the International Brotherhood of Teamsters, for whom I was so privileged and proud to serve.

Members of Maine’s Police, Fire and Public Sector which I was so proud to represent,

Mr. Jim Libby, friend to the end

Mr. Nicholas Lombard for teaching me about fairness and respect,

My wife Dorothy

My many friends and supporters

My Father, for walking picket lines on crippled knees

And last but not least,

My Son Ernest IV for his undying friendship and support

Filed under Car Insurance Ratings by on . Comment#

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Buying car insurance for the first time can be a limited scary. The terminology that the salesman uses and all the choices are honest overwhelming. The following will help you in making decisions when purchasing your first insurance policy.

1. Look into your state requirements. Nearly every area requires that you at least carry liability insurance. When a plot speaks about liability insurance they are speaking about the bodily injury and property wound coverages. This coverage is required because in the event of an accident it guarantees the injured party is going to be cared for and the property damages cared for as well.

2. Understand the types of auto insurance and if they are something you want to pay. For example many don’t pay for comprehensive coverage because they feel it’s cheaper to pay for the damages out of pocket. However, if the vehicle is stolen there would be no reimbursement if comprehensive coverage wasn’t selected. Another example is the rental option. Many feel that they can make other arrangements while their car is in the shop and would rather not pay for a rental allowance. Make sure you understand Liability, Collision, Comprehensive, Medical Coverage, PIP and Rental among others.

3. Understand your vehicle. If your vehicle were to be totaled tomorrow what would you do? Is your vehicle paid off? If it’s totaled how are you going to pay it off? Would you be able to purchase another one? Your answers to these questions will determine if you need Collision coverage.

4. Be sure that you understand any other insurance plans that you may have. Health Insurance plans may cover bodily injury claims. You will want to be certain and ask your insurer about how their subrogation plan works. Your home owner’s insurance plan may cover damage to your property, other than your car.

5. Know that the coverage you purchase is based on the value of the vehicle. The older the vehicle is the cheaper the rate will be. If you drive a sports car your rate will be higher.

6. Where you live and how often you drive are also key factors in determining the cost of your coverage. If you are in a rural area the cost is going to be lower than if you live in a city. This is because crime rates and vandalism rates are typically higher in a city than in the country. The more you drive your vehicle the higher your rate will be as well. The idea behind this is that the more you drive your vehicle the higher your chances are of being in a wreck.

7. Age, sex, marital status and driving record are another factor in determining the cost of your car insurance. If your driving record is spotless then the insurance company feels petite risk in insuring you as you will likely not procure in an accident. Your age is a factor because the younger you are the more likely you are to drive rapid and recklessly and that leads to accidents. Sex also makes a difference. Males typically pay more in insurance premiums than women. Marital status is a factor because with marriage comes responsibility and if one is married the likelihood of fast and reckless driving is minimal which lessens the chance of an accident and insurance payout.

8. Choosing a deductible is a difficult choice for some. To make it easy there are two factors involved

a. How distinguished can you afford to pay out of pocket at one time in the event of an accident?

b. How much can you afford to pay out in your weekly, monthly, quarterly or semi annually premiums?

Once you have answered these questions you can better navigate the deductible decision.

9. Watch multiple quotes. Don’t assume that the first quote you receive is the best or the only quote that you will receive. Ask the sales person to do a comparison for you. If the salesperson can’t do a comparison for you ask how long the quote is good for. Most insurance companies will do a quote on the phone. There are several companies that give quotes online and allow purchases to take place online. Get at least 3-5 quotes prior to purchasing a policy to ensure you are getting the best plan for your money.

10. Review the policy prior to signing. Obtain sure that you look for the following two clauses in your policy:

a. Retain your right to sue- fabricate sure that you have the right to to sue if you have a dissimilarity with your insurance company. If this clause is removed often you are forced into arbitration between you and the insurance company and generally the insurance company comes out ahead.

b. Avoid aftermarket parts requirements. This policy will be written that the body shop may use “new factory,” “like kind and quality” or “aftermarket parts” may be used for body shop repairs. This is especially important if you have a current car.

Resources:

http://auto.howstuffworks.com/car-insurance4.htm

http://www.edmunds.com/advice/insurance/articles/89618/article.html

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There are several cheap car insurance companies. Listed here are a few and a review of what information is contained on their websites.

Progressive has claimed to be a cheap car insurance company. They offer services such as 24/7 claim service, pet accident insurance, and someone to assist you with buying a car if yours gets totaled, and discounts for a safe driving record and having more than one car insured with them. In completing a quote, individuals are asked to provide the car that they drive, personal identifying information, and whether they have any driving violations. Individuals are then offered a choice of what kind of car insurance they would like, and the amount of money they could pay for each of those insurances, which may or may not be cheaper than what they are already paying.

Geico also has claimed itself to be a cheap car insurance company. Their claim is that 15 minutes could save you up to 15 percent on your insurance. One bonus with Geico is that they do provide all the different coverages that are available and that you the consumer should think having on your policy. I started a quote from them but became frustrated at the amount of information that they required. Some personal information I was allowed to opt out of giving like my phone number and social security number, but others I was not like my occupation and how much I am paying for my insurance currently. Geico does not provide coverage in Massachusetts.

Allstate is going a different route in being a cheap car insurance company. Their claim is a safe driving bonus for every 6 months an individual goes without an accident they can earn up to 5% of their premium. They can also earn money off of their deductible. Individuals can also receive a quote online.

State Farm can also be considered a cheap car insurance company. They offer to their individuals information such as how much insurance do they need, what affects the sign of their insurance, what are coverage and deductible options, and auto insurance discounts. They offer discounts for Multiple Vehicle, Multiple Line, New Vehicle Safety, Accident Free, Anti-Theft Device, Defensive Driving, Good Driving, Worthy Student and, Driver Training. Individuals can regain a quote online in about 15 minutes.

Nationwide is also a cheap car insurance company, because they claim that you can save up to $500. They offer 100% guarantee on repairs for as long as you own the vehicle. They offer 24/7 claim service. They also offer free On Your Side Reviews to assist you with choosing discounts and coverage that are apt for you.

Amica also claims to be a cheap car insurance company. They do not offer much information about their auto insurance online. However, you can complete a quote online.

Esurance offers the most information about cheap car insurance companies. Esurance allows individuals to gain a quote that compares auto insurance rates. This allows the individual to pick the best insurance information for them. Individuals can then buy the policy true online. Esurance claims that if another company offers a cheaper rate you can win the policy.

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