WHAT HAPPENED TO HR 5404 – AND THE GOLD BACKING OF AMERICA’S NEW CURRENCY?

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It’s tough being a kid growing up in these times of civil war and deprivation where censorship runs rampant and the many layers of falsehood are often confused for truth. We’ve seen up close the horrors of pain and desperation etched onto the faces of hungry American children and frail elders alike. Our food and water is poisoned, geoengineering is making us ill and destroying the environment in which we live, and fires endlessly burn us out of our homes, jobs, and air. The economy has turned many of us into financial slaves and we can feel the devastation of loved ones falling apart right before our helpless eyes.

Our children are our futures yet they suffer from the darkness of a financial insecurity of which they are yet unaware. Many families don’t have enough money to make ends meet on a monthly basis which means they don’t have the financial wherewithal to keep their families together, to fill their children’s bellies with nutritionally balanced meals, or to clothe them properly from head to toe. Choices with profound implications have to be made under every roof every day. Irreversible sacrifices are being taken. Bills are not getting paid, medicines or food or both are not being bought, and almost all of this has to do with scarcity in the name of the American Dollar

WHAT HAPPENED TO HR 5404?

One of our biggest problems is that the U.S. dollar has basically become worthless, rendering our purchasing power of goods and services in the marketplace to near nothingness. We’ve been fleeced through the last hundred or so years by the United States Federal Reserve, fiat currencies, and the Western Central Banking System. They who run finances have scraped 97% of the wealth out of the U.S. dollar which has benefited their well beings while we the average American family are left with the last three cents on the dollar which is backed by nothing but growing U.S. debt. Which is now more than $21 trillion dollars and that’s not counting the $21 trillion that has been proven missing from the HUD and the DOD. That’s at least $42 trillion right there that our children and their children and their grandchildren will never be able to account for.

Which all the more proves why it is significant that a Congressman from West Virginia has proposed a bill called HR 5404 to gold back the U.S. dollar. According to thedailycoin.org Republican Congressman Alex Mooney has proposed a bill that will “define the dollar as a fixed weight of gold.” Mooney wrote an op ed about it in the “Wall Street Journal”.

That’s right. It has been introduced into congress that America should return to a gold standard. This idea is not new though. Even President Trump told us back in 2017 that he would like to see America return to a gold standard. In a Forbes.com article entitled, “President Trump: Replace The Dollar With Gold As The Global Currency To Make America Great Again”, Ralph Benko writes that bringing back the gold standard would not be very hard to do with a president like Trump.

“Donald Trump shows a strong affinity for gold,” Benko writes. “He has also shown a keen intuitive grasp of how the gold standard was crucial to having made America great.”

So what this means is that our government is soon going to gold back the U.S. currency, right? That’s how it was supposed to be in the very beginning, before the Federal Reserve took over our country’s finances in 1913, right?

In proposing H.R. 5404 the U.S. Congressman from West Virginia criticizes U.S. monetary policy, citing the fall in the dollar’s purchasing power after the gold standard was abolished.

“The United States dollar has lost 30 percent of its purchasing power since 2000, and 96 percent of its purchasing power since the end of the gold standard in 1913,” the bill says.

The congressman goes on to describe the advantages of having a gold-backed dollar.

“The gold standard puts control of the money supply with the market instead of the Federal Reserve. The gold standard means legal tender defined by and convertible into a certain quantity of gold. Under the gold standard through 1913, the United States economy grew at an annual average of four percent, one-third larger than the growth rate since then and twice the level since 2000,” Mooney says.

This would be good for us but nobody even knows about it. Did you? Nobody owns gold, instead everybody trading in dollars that are debt backed, which is what the U.S. dollar is and what America runs on. That’s all any of us own with our present financial system, which is being run into the ground.

Congressman Mooney says that under the Federal Reserve’s 2 percent inflation objective, “the dollar loses half of its purchasing power every generation, or 35 years.” Think about that for a long moment. We own debt that backs our assets and that’s what we bought our houses with. Our families’ homes and our cars were bought with U.S. dollars backed by debt that loses half it’s value every generation.

So what does that really say about everyone’s pensions or real estate that is tied into the U.S. dollar? Is that why we’re struggling so badly to keep our families living in some semblance of the lifestyle we have become accustomed to after we divorce? Is there any such thing as the “American Dream” anymore? If so, should we consider whether this new legislation, H.R. 5404, should become law? Because our old system of monetary value has lost its “value”?

Like Congressman Mooney says, “American families need long-term price stability to meet their household spending needs, save money, and plan for retirement.”   These are the types of important issues we advise clients about to help them and their families stay ahead of the financial game and move forward in their lives. Meet spending needs, save value, and invest for ultimate retirement.

HOW MUCH GOLD DO WE AMERICANS OWN?

In an interview with the World Gold Council’s Gold Investor former Chairman of the Federal Reserve Alan Greenspan stated, “I view gold as the primary global currency.”

President Trump agrees. It’s been 34 years since U.S. lawmakers even tried to change the way America’s currency is backed, when Congressman Jack Kemp introduced the Gold Standard Act of 1984, which was cosponsored by seven others including Newt Gingrich and Connie Mack. It didn’t pass. 34 years later we have HR 5404.

Will it succeed? It has to if we as a country are going to succeed. Some believe we’ve made positive strides toward making gold backing of our currency a reality. “I think we are building a foundation of expertise — expertise that we didn’t have in 1980,” writes Nathan Lewis in Forbes in an article called, After 34 Years, We Again Have A Bill To Relink The Dollar To Gold“. “That will allow us to restore the united long tradition of gold-based money, when the political time is right.”

The question remains: when will the political time be right? And when it is right, who will be there to tell us how much gold, if any, the U.S. really owns to back the dollar?

 

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VENTURA FAMILY LAWYERS EXPOSE SACHA BARON COHEN AND SHOWTIME ON BEHALF OF DISABLED AMERICAN VETERANS

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Who do we think we are?

We are a boutique California family law firm and mediation center dedicated to serving families and helping them preserve their hard earned wealth. Beneath our professional veneer you will find a team of humble servants of God striving to make a difference in everyday people’s lives. We strive to champion righteous causes, our decades of experience provide us with insight into how better to achieve family values and prosperity, and we write to expose the serious problems and potential solutions thereto regarding the fact major American institutions are making life miserable and often times deadly for American Veterans and senior citizens, two of America’s most vulnerable and valuable social classes.

That’s why on September 6 we wrote an article specifically targeting Sacha Baron Cohen and Showtime when the non funny comedian disrespected disabled American vets in a segment of his failed Who is America? series on Showtime. We blasted the unfunny Brit who had disguised himself as a disabled American vet from Kentucky, fake wheelchair and all, while interviewing former Alaska governor and U.S. vice presidential candidate Sarah Palin, whom he stated he was a fan of.

The whole episode was actually a thinly veiled and distasteful political attack against the right. Cohen performed the interview wearing a necklace made of bullets and had a laptop covered in InfoWars stickers, says Breitbart in an August 27 article. Cohen’s disguise was described as being a caricature of a conservative middle-class Trump voter. He was asking Palin “absurd, racist, homophobic, and sexist questions” that were all meant to “mock Trump voters as a bunch of ignorant and offensive kooks,” the Breitbart article says.

Sarah Palin walked out of the interview when Cohen asked her whether Chelsea Clinton had been subject to a government-funded sex change.

Showtime pushed back later issuing a statement denying that the incident ever took place, saying, “Baron Cohen never presented himself as a veteran of the U.S. military to former Alaska Governor Sarah Palin during the booking process or during the filming of her interview, and contrary to her claims he did not appear in a wheelchair.”

VENTURA FAMILY LAWYERS WARN TO RESPECT OUR FLAG

We warned both Sacha Baron Cohen and Showtime that this was no time to show contempt for America or to disrespect disabled American Veterans. We reminded the world that we represent American veterans and all the great things they stand for, and our U.S. government has literally failed to provide to these men and women the adequate housing and healthcare they require to deal with the plethora of serious physical and mental issues they have come home with while fighting for our country.

We asked if we might not benefit more by spending our energies rebuilding America instead of destroying the place American veterans stand and fought for; the only place most of us have ever called home. And while asking these important questions something pretty wonderful happened. It was like deja vu all over again. It was as if the world had gotten our message, and Sacha Baron Cohen’s disrespect of America’s veterans would disappear with a whimper and several lame excuses. At least that’s how we understood the August 27 New York Times article entitled, ‘Who Is America?’ Ends with O.J. Simpson. But Where Was Sarah Palin? that claimed Showtime never aired the Sarah Palin segment in Sacha Baron Cohen’s flagging series.

Which means someone was listening to our prayers. The New York Times article fails to mention the Ventura Family Law blog by name, but if they read us they would know that we don’t mess around when it comes to clowns like Showtime or Sasha Baron Cohen disrespecting America any more than former Senate candidate from Alabama Roy S. Moore does, as he has now followed through on his threat to sue Sacha Baron Cohen for a lot of money.

WHY DIDN’T WE THINK OF THAT?

The tide is turning as more people are speaking out on the righteous issues and taking a tougher stance against the dark forces than ever before, which is why the former member of the Alabama Supreme Court sued Sacha Baron Cohen. Roy S. Moore too had been duped by the unfunny comedian, who in a segment that aired on Showtime in July appeared as “Erran Morad,” an Israeli antiterrorism expert, who interviewed Moore.

During the interview Cohen brought out a device, which appeared to be a metal detector wand, but which he claimed was an Israeli invention that could detect pedophiles, says a September 5 article in The New York Times. When the device signaled that Mr. Moore could be a pedophile, he became angry and ended the interview.

Former Justice Moore really hadn’t found Cohen’s disrespectful shenanigans all that funny. To prove it he sued Cohen for more than $95 million in damages for defamation, intentional infliction of emotional distress, and fraud. Showtime, and CBS which owns Showtime, are named as defendants along with Cohen.

There was no mention whether former Judge Moore read our article in Ventura Family Law blog before filing his lawsuit.

 

FEAR HAS NO PLACE IN OUR FAITH RIGHT NOW, PERIOD!

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If an evil elected and unelected power hungry minority known as Deep State is really trying to commit a silent coup d’etat against President Donald Trump, as Joe Hoft writes in the gatewaypundit.com, then what if anything are we Americans going to do about it?

If there is a silent coup against our President wouldn’t that have a profound affect on our children? What kind of a future would that bring to our loved ones? Would we continue to stare straight ahead at the TV and consume the milk and party line as depicted by mainstream media and believe that all is cool in the land of Oz and nonfat yogurt? Or will we stand petrified with fear as they did in Nazi Germany while bearing silent witness to Nazis taking neighbors away? That would never happen to us here in America, right? We don’t really need to worry about bad people taking over our country, do we? Or do we? And if so, might we unite and fight to beat it?

Whatever we do Mark Taylor says we need to stop with the fear mongering because that’s all the mainstream media does. To abolish our faith. To create fear and paranoia inside of us with their “lies”. Which of course we have no time for anyway. Because we need to wake up. We’ve got lots of praying to do, as Joe Hoft tells us.

It certainly is no time to be afraid. There’s much work to be done. There’s a country to be saved, and it’s called America. So it’s time to do the research, to learn the truth, and most importantly, God says to his prophet: It’s not time to fret.

“Fear has no place in your faith right now, period!”, says Mark Taylor, former fire fighter and author of the popular book “The Trump Prophecies”, to Greg Hunter at usawatchdog.com. Taylor is the humble servant prophet who the Holy Spirit keeps delivering God’s messages to. Who then passes the messages along to us Americans. Regarding our concerns that America might be getting overwhelmed in a world that has gone completely bonkers with no end to the suffering in sight, which Taylor says is not true. We’re already winning, he tells us.

“The hammer of justice is not coming, it is already falling,” Taylor says. The prophet is not worried about what the mass media tells us because they’re the “lie” and the truth is that the wheels of justice are actually churning behind the scenes. The rule of law is coming back not only to America but to the world. He says we don’t need to fear because God is cleaning up the mess down here in the swamp so our families will have a righteous future.

So forget about what they’re telling us on mainstream news. It’s all a smoke screen. The truth is that political, religious and Hollywood “bad actors” are actually going to be cleaned up. A quick glance at the truthful alternative news media tells us this is happening right now. Judges, like the entire West Virginia Supreme Court, are going down. Many political leaders like both Clintons, Obama, and John McCain have been linked to a wide variety of serious crimes. Religious leaders like the 300 Pennsylvania priests indicted for sex crimes against children, the Vatican, Church corruption, the morally bankrupt Bishops, are being exposed, as are dark Hollywood personalities.

Which means these people are going to be prosecuted and voids in the national power structure are going to be created with a need to fill. Which makes by whom? and with what beliefs? two extremely important questions. Taylor believes it should be filled by God’s good guys.

“If you are part of the army of God, you need to be ready also because there are going to be politicians that are going to resign,” Taylor says. “We have had the biggest number of resignations probably in history. This midterm election is going to be huge. This is going to be a red tsunami. They keep talking about the blue wave. I think it’s going to be a blue drip, a leaky faucet, and that is all they are going to get. You have had more resignations than we have ever seen. Now is a good time to go in and capture this ground and hold it for the Kingdom of God.”

GOD IS MOVING AMERICA TOWARD A PLACE OF RIGHTEOUSNESS

The good guys are going after the really bad guys now. “It is not just ISIS they will fight – but the Elite, the Globalists, the Illuminati, who will be exposed by my light,” The Spirit of God tells Mark Taylor to tell us.

One thing we can’t do is get sidetracked by those who try to divide us. The reality is there is no left or right, we are all humans, interrelated in our battles to care for our families in very difficult times. We don’t have time to look left or right or to contemplate what that even means. We need to work together now to prepare our families for what awaits us in the future. “God is moving us towards a place of righteousness,” Taylor says.

That’s what’s happening right now. He’s going to be replacing these people in government who have betrayed us and righteous Americans need to be ready to fill that void. “If you are called to be a judge, senator, congressman or a council person, I don’t care what level, local, state or federal, take your place and get ready,” Taylor says. “If you are in the Army of God and you don’t vote, you need to get off your behind and register to vote. These are going to be the most important midterm elections in America’s history — period.”

This will determine how easy it will be for Donald Trump to get to Heaven’s Agenda.

THIS IS NOT DONALD TRUMP’S AGENDA, THIS IS HEAVEN’S AGENDA

Trump was chosen by God to implement God’s Plan. “This is what God wants to do on the earth right now,” Taylor says. “This is going on globally.”

This is not Donald Trump’s agenda. This is heaven’s agenda. That’s why Joe Hoft tells Americans to pray right now to solve our problems with Deep State. We need to get together as Americans and pray to God, and be ready to fight for our family’s freedom and potential future prosperity. That’s why Americans voted Donald Trump into the presidency in the first place. To bring about a fresh start. To clean up a dirty swamp. To fulfill God’s wishes.

“The Founders predicted a time like this when they created the 2nd Amendment,” Joe Hoft writes

. “Prepare yourselves and pray.” Ask for another miracle.

 

PRAYER CAN HELP YOUR FAMILY PREPARE FOR WHAT’S ABOUT TO HAPPEN

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It’s important to know the truth of what’s going on in the world so we can prepare our families to deal with difficult economic times while building a future with prosperity. For some it could mean the difference between life and death. Others believe we must be vigilant in our preparation now.

“We must be vigilant and prepared,” Joe Hoft warns in an article entitled, “GET READY AND PRAY TO GOD – The Time Is Now – The Imposters Are Preparing The Final Act in Their Coup d’etat”. The corporate executive doesn’t mince his words, straight forward telling those who voted for President Trump that there’s reason to be afraid at this very moment of what is happening to the man they elected into office.

Joe Hoft speaks from the perspective of a Fortune 250 Corporate Board executive, author and contributor at one of America’s largest political websites — the Gateway Pundit (TGP) — and he’s talking to Americans. He’s telling us that the sky is in fact falling and that it is urgent that we prepare ourselves and our families because our country is on the precipice of something awful.

“Either we’re going to be overrun by a power hungry ‘Deep State’, or we are about to survive one of the greatest attacks to America’s existence since the Civil War,” Hoft writes. And all we Americans have to do is figure out which one it’s going to be, and act on it. We’re going to have to be the difference one way or the other for our family’s survival.

“The Acts of the Deep State are as appalling as they are criminal,” Hoft writes. “An unelected and elected power hungry minority is attempting a coup d’etat of the Trump Administration.”

A coup d’etat of the Trump Administration is a very frightening proposition to those who voted for him. Big words about a mysterious conspiracy that the average American who only receives his or her information from the legacy media might find difficult to understand. If the mainstream news is to be believed – and we are beaten over the head with this concept every second of every day – Americans’ only problem is Donald Trump. We are continuously told all we have to do is remove the President and all will be well in the end. The mere idea of a Deep State is ridiculed by America’s media talking heads, discarded as being nothing more than conspiracy talk.

But not all Americans believe that way, obviously, since it was voting Americans who elected Donald Trump to be President in the first place. Americans who read outside the mainstream party line understood before 2016 that our nation had become burdened and encumbered by deeply rooted forces who were against Americans and it would take someone from “outside” Washington to be ushered to the “inside” to make some badly needed sweeping changes this country was in desperate need of. There was a swamp that needed cleaning, a war that needed fighting.

Americans understood that we had accrued for our children additional trillions of dollars in debt under former President Barack Obama and the U.S. debt to GDP ratio had increased to a whopping ratio of 40% to 100%. We learned in a sickening way that our families’ well-being along with our healthcare had been taken over by big government, who handed it over to the insurance industry, and America’s military was at war all over the world, as usual, in places our sons and daughters had no legal business dying in.

Americans understood years ago that ISIS had been added to Al Qaeda to oppose all things “Western”, which meant us Americans, and the Iranian nuclear arms agreement had never been signed yet it had enabled billions of U.S. dollars to line the pockets of major American, European and Middle Eastern businessmen and politicians. America’s borders were open whereby illegal and previously deported aliens, foreign gang members, and members of ISIS flowed freely across our borders, while our little daughters and sons were being raped and murdered by this unholy non-American invading army. Our leaders had given everything away. There was nothing left for our children. And that wasn’t even the worst part.

“The U.S. was giving away everything in trade deals and providing billions in a fake climate change agreement,” Hoft writes. “But the most devastating cancer of the Obama years was the proliferation of the Deep State.”

WHAT IS OUR TRUTH?

This has always been a difficult concept for most Americans to grasp, especially those who’ve never heard of this secret evil conspiracy or understood what it might really mean to our family’s potential for future prosperity. If we took the time to do the research and really understand the issues, we might ask, Who is this Deep State anyway?

Hoft defines Deep State as, “A small group of evil unelected officials” who “were given the reins of the U.S. Justice System, State Department and intelligence agencies.” He says these conspirators had banded together to pardon Hillary Clinton of her many crimes while spying on Donald Trump, his campaign, and his administration.

We know that President Trump won the 2016 election, but what many are finding hard to grasp is that a “small group of evil unelected officials” are attempting to remove our duly elected President from his rightful position. Many people appear not to really see it through all the smoke and mirrors promulgated by the media. And even if what Hoft says were true, what is all this leading up to?

“Their hopes lie in winning the upcoming 2018 election so they can impeach a man for no reason other than he is not one of them,” Hoft writes. Which is why the corporate executive tells us we better start praying to God.

 

PRESIDENT TRUMP “KILLS ELDERLY” BY DEREGULATING NURSING HOME INDUSTRY AND ENDING LAWSUITS AGAINST NURSING HOMES

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They’re killing us softly, like frogs in a slowly boiling pot. Every day it gets harder for those born into my generation to get a break in our little battle for what we call life. We struggle head-on with the economy, our health, Western medicine, the pharmaceutical industry, corporate profits, GMOs, chemtrails, Smart Meters, 5G cell towers, geo engineering, firestorm terrorism, “fake news,” and those with different views in what is seemingly a never ending assault on all senses that promises to change all that is, us included, in dramatic fashion.

The state of the health care nation for our elderly grows darker by the hour. This is again evidenced by the Trump Administration that has scaled back the use of fines against nursing homes that harm residents or place them in grave risk of injury. This is a “reversal of guidelines put in place by President Obama,” writes Jordan Rau of Kaiser Health News.

Not surprisingly, it was the nursing home industry itself that requested the changes to the Medicare program’s penalty protocols, saying that relief was “critical”. The nursing home industry’s central trade group, the American Health Care Association, the Kaiser article says, had complained to the Trump Administration that government inspectors excessively focused on catching wrongdoing rather than helping nursing homes to improve. Where some people come from, this is called deterrence. And isn’t deterrence the whole point of nursing home regulation? To deter abuse and neglect by health care facilities whose operators are focused on the bottom line — budget cuts disguised as shareholder profits.

Since 2013, nearly 6,500 nursing homes — 4 out of every 10 — have been cited at least once for serious violations. “Medicare has fined two-thirds of those homes,” Rau writes. “Common citations include failing to protect residents from avoidable accidents, neglect, mistreatment and bedsores.” And so we’re going to just cut that oversight, right? Avoidable accidents, neglect, mistreatment and bedsores be damned!

The new Trump guidelines discourage federal regulators from levying fines in some situations, even when they have resulted in a resident’s death. The guidelines are expected to result in lower fines for many facilities. “The change in federal policy aligns with Trump’s promise to reduce bureaucracy, regulation and government intervention in business,” the Kaiser article says. Many facilities are going to be saving money as well by not having to pay stiffly appropriate fines.

The change in federal policy also aligns with health care providers’ argument that they have been spending too much time complying with regulations that they say get in the way of providing health care for their patients. What they don’t say is that paid nursing home employee time spent attending to oversight regulators also takes profit from shareholders’ mouths.

WHOSE LIFE IS IT ANYWAY?

Statistics say there are 1.3 million Americans living in nursing homes today. This number seems very low. According to Morning Star, by the year 2020, 40 percent of all deaths in the United States will take place in nursing homes. So is dismantling federal regulations in this industry really something we who represent aging baby boomers want to do? Who is protecting the seniors interests in health care that doesn’t kill them? Do seniors really have to go to nursing homes to suffer, be drugged, and die? How many caregivers do we need to accomplish this?

The federal guidelines that were put into place in 2013, which increased fines for nursing home actions that harm or even kill patients, were reversed. The oversight and imposition of fines were intended to encourage nursing homes to toe the line and meet the high standards. With the Trump Administration guidelines, however, regulators are discouraged from levying fines in many situations, some that have even resulted in deaths of the residents.

According to the Kaiser article, Senior attorney at the Center for Medicare Advocacy, Tony Edelman, confirms, saying: “They’ve pretty much emasculated enforcement, which was already weak.” The article cites a Kaiser report of one nursing home patient who died because of staff failure to monitor and treat a wound. Under the 2013 guidelines, the nursing home was fined almost $300,000. Under Trump’s new guidelines, the maximum fine would have been less than $21,000. That’s a $279,000 windfall for corporate shareholders to divide among themselves.

RESIDENTS WAIVE RIGHT TO SUE IN COURT

To make matters even more difficult for Alzheimer’s patients and wheelchair bound elderly, for decades patients and their families have been prevented from legally redressing their grievances by suing nursing homes even when they were guilty of egregious negligence or abuse. The nursing homes ensured this by making people entering the facilities sign contracts requiring them to settle any future disputes through arbitration.

The Obama Administration had barred nursing homes from this practice, protecting the rights of residents and their families to take nursing homes to court. However, the Trump Administration not only threw out this protection, says The New York Times, it has proposed a federal rule change to affirmatively allow nursing homes to bar residents and their families from filing lawsuits.

Again, there has to be a group that truly represents the seniors’ interests. Here, the issue seems quite clear. Those seniors who live in health care facilities are doing so because they have no other choice in life. Many of them have suffered severe health ailments that have rendered them wheelchair bound. Many of those who are disabled physically also suffer from major mental and emotional issues that are related in cause and origin. True science has proven that Alzheimer’s, Parkinson’s, and other neurological diseases are tied to physical deterioration of the cells of the body. In other words disease of the mind originates from a diseased body. In mind as in body.

Many of these disabled seniors have no money and rely on government to protect them from negligent and abusive caregiving. Their families don’t have the money to take care of their beloved seniors. So family members have no choice but to commence searching for a nursing facility that will even admit their senior loved one. When they get accepted, under the Trump Administration suggested policy, the seniors’ family would have to sign a waiver saying they can never sue the nursing home no matter what kind of abuse or neglect they do to a loved one. Regardless, burdened family members who have run out of energy, money, and options on how to care for their senior loved one will jump at the chance to hand their mother or father over to a nursing facility and breathe easier as a result, believing someone else has relieved them of the responsibility of providing direct health care.

BOTTOM LINE IS MORE LEGISLATION NEEDED TO AID GROWING NUMBER OF SENIORS

Here’s the bottom line. Elderly citizens confined to nursing home care are not getting the protection they need from bigger institutions that are supposed to provide their health care. Deterrence for the nursing home industry to comply with adequate standards is being squandered by government and the corporations that play banker investment games for profit with the nursing homes that care for the elderly across the country.

New, more meaningful legislation appears to be the only adequate fix to the glitches in the present health care laws. We will also need to appropriate the necessary funding in government health care budgets to allow for zealous regulation of the home nursing industry and then to legislate unbiased bi-partisan supported laws with crocodile sharp teeth that will hold the operators of American nursing homes, and the shareholders who climb into corporate board of directors’ heads to maximize profits, accountable for every misstep they take in caring for each and every nursing home patient. Only then will we begin to relieve the suffering of those who require nursing home care, because the industry will then be appropriately regulated, and the penalties for negligence and abuse will be too steep a price to pay for disobeying the law.

SENIOR CITIZENS SQUEEZED BY NURSING HOME PROFITABILITY AND CALIFORNIA LAW REQUIRING MORE CARE FOR ELDERLY

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There’s no question it takes a special kind of person to provide compassionate care for the elderly. Bathing, feeding, medicating, attending to other daily needs of patients is a lot to ask for from the me now generation. Care giving for the elderly takes a lot of energy and thoughtful attention. There is tremendous value for this kind of work for the elderly in today’s society. But it doesn’t pay very well, which begs the question: Where does the position of caregiver for the elderly fit in the overall structure of today’s generation of aging baby boomers and broken millennials?

We’re not spending a lot to pay for difficult work like nursing care, that much has been established beyond doubt. Stressful work and low wages is a difficult combination to overcome during a questionably down-turning economy, but that, according to one group, is what we’re facing in our fight to protect the rights of our growing geriatric population.

They say our elderly citizens who require nursing care need qualified caretakers. Yet, it takes money to find someone who knows how to care for seniors and to be able to pay them, and the entire industry is scrambling for the almighty dollar that it takes to do so.

Latest available state data indicates CNAs are undervalued in the industry. Certified nursing assistants in California made an average of $13.96 per hour in 2016. That’s just a few dollars above the minimum wage and less than what some retailers pay sales clerks, who don’t need to spend the money or time getting licensed to work.

In a July 13, 2018 article for the Los Angeles Times, Ethan Millman describes how elderly healthcare matters in California have become hostage to this nursing home drama which is attributed to new state legislation that went into effect in July that puts even more “pressure on the state’s 1,000-plus nursing homes”, Millman writes, “which some in the industry say could be forced to turn away or even discharge patients as a result.”

ARE YOU KIDDING ME? OR IS THIS A BLUFF BY THOSE WHO RUN PRIVATE NURSING HOMES?

The new law tightened staffing requirements for direct caregivers and added new ones specifically for certified nursing assistants. Millman cites the new legislation as being championed by organized labor and patient advocates.

Under that scenario, we’d have the union representing nursing assistants, which pushed for the law, acknowledging that nursing homes face a challenge, but saying there is an overriding health-and-safety issue behind the new legislation. “There must be enough direct care staff to meet the quality care needs of nursing home residents and ensure a healthy workload for every caregiver,” Millman quotes an unnamed SEIU representative as saying.

The problem with this angle of course is that it places undue emphasis on the value of a CNA in this particular equation. The beginning of the statement is true — “There must be enough direct care staff to meet the quality care needs of nursing home residents,” period. Nobody of sane mind could conclude otherwise. We need better care for our seniors, and we must figure out how to pay for it. Whether every caregiver has a healthy workload or not is up to the caregiver’s skill set versus the demand for such a skill set in the everyday industry marketplace, and it’s a problem for the CNAs union to deal with, not state health care legislators. This aspect has nothing to do with the well being of the nursing home resident, whose need for quality care giving is being debased in the debate.

QUALITY OF CARE EQUALS QUALITY OF LIFE

As the new legislation reads, effective July 1, 2018, California Health and Safety Code section 1276.65 requires skilled nursing facilities, “except those skilled nursing facilities that are a distinct part of a general acute care facility or a state-owned hospital or developmental center,” to provide 3.5 hours of direct patient care each day, which is up from 3.2 hours. That’s 3.5 hours per day that the nursing facility caregiver has to directly care for a patient.

But what stresses out nursing home operators the most, and what seems to be the central theme of Millman’s writing, is California law’s first-ever requirement that “skilled nursing facilities shall have a minimum of 2.4 hours per patient day for certified nurse assistants.”

That means 2.4 hours of the 3.5 direct care hours per patient day must be filled by CNAs. And so the L.A. Times article is framed front and center around the nursing home gripe. Certified nursing assistants cost money. They have to be trained. Profits are shrinking. The big bad wolf is blowing down our door. What the article doesn’t tell us is that monies not spent toward better patient care get deposited into shareholders’ bank accounts, and that’s really the rub of this whole picture.

PRICE INFLATION HAS NOT HIT THE NURSING INDUSTRY

The Los Angeles Times article has framed this issue as a battle between the government enacting the law to provide more skilled health care to nursing home patients versus the burden it places on nursing homes to provide CNAs to fill the required hours.

The article portrays the nursing home industry as being in a quandary with the new legislation because, industry consensus says, it is difficult to get qualified CNAs to begin with, and now the requirement of 2.4 hours by a CNA is too tremendous a burden on the industry, especially in less populated rural counties. They say half of California’s counties are designated by the Public Health Department as having a CNA worker shortage.

The nursing home industry, through the Los Angeles Times article, sets up the CNAs as the tipping point of much broader issues. These are the men and women who work the front lines in home nursing, dealing hands-on with our wheelchair-bound seniors, those we pay privately and with tax dollars to give compassionate care to our elderly parents, friends, and relatives, yet price inflation has not hit those employed by the nursing home industry the way it has the rest of the economy, and we’re not getting our money’s worth. And who’s going to pay for it most?

QUALIFIED CNAS ARE SCARCE

When one studies what’s plaguing the home health care industry the areas for concern become obvious. Low wages and a high-stress working environment are not an attractive combination to offer a hungry, caring job seeker. When you add the prospective CNAs being required to take 100 hours of clinical training and 60 hours of classroom instruction, people are going to be looking for other types of employment.

They’re not going to take the time and expense to receive training through what amounts to be about 700 state-wide programs, many that are offered at community colleges, adult education programs, and for-profit schools, with most charging several hundred dollars to complete. Most people don’t have several hundred dollars or the time and inclination to make the effort to become a CNA. They can’t afford to.

Then you add the fact that nursing homes have just plain eliminated free in-house training to recruit workers basically because profits are down. No one has the money to pay anybody for anything. The nursing home industry cites tighter budgets. Those who want to become CNAs don’t have the money to go through the education and training to become CNAs. And senior citizens, their families, and the government don’t have enough money to be able to afford nursing home health care for seniors to enable them to spend the last months, weeks, or days of their lives in a compassionate and dignified manner.

THE NURSING HOME INDUSTRY CITES TIGHTER BUDGETS, BUT NEEDS TO LOOSEN PURSE STRINGS

This is the crux of the issue centering the problems cited by Millman. Nursing homes are owned by corporations owned by their shareholders. The list of corporations owning care facilities across America is short and those that do are locked in a dog-eat-dog battle to the death with each other and converging industries to suck in what dwindling profit margins there are left. Mergers and acquisitions are rampant in all areas of health care.

Who has time or resources for patients? The nursing home industry is making across the board cuts in staffing, training, and compassionate care for their senior residents. This is happening across the country as evidence mounts that those who own nursing homes should be loosening their purse strings and offering training and better care at their rural facilities, because their senior residents are suffering at an alarming rate as a direct result of their industry-wide, self-imposed budget cuts.

UNCLE SAM NEEDS TO LOOSEN HIS PURSESTRINGS AND COVER THE COSTS OF HEALTHY HEALTH CARE

Nursing homes come in all shapes and sizes. Some are more upscale and receive private pay for income, with much of the rest coming from Medicare.

In California, the majority of nursing homes draw more than half their revenue from Medi-Cal, the state program that provides health services to low-income residents, which the industry complains doesn’t cover the cost of care.

This only exacerbates the shameful problem that pay isn’t high enough across the industry to provide for adequate and dignified care giving for our ailing senior citizens. Both private nursing home providers and government health agencies must be willing to budget more money into healthy health and nursing care for seniors. Private care facilities, many of which are run through giant real estate trusts or conglomerates, must find a way to operate their holdings to actually benefit those who seek their services. A new model in the way of doing business industry wide is mandatory, or they are simply going to go out of business. Nobody can afford their poor service.

CONCLUSION: CALIFORNIA SENIORS ARE TAKING A BRUTAL HIT

The proof is in the pudding. Just ask the California state auditor who singled out the California Department of Public Health for scathing criticism regarding skilled nursing facilities and their lack of performance of necessary “inspections or issued timely citations for substandard care.” They cite absent effective oversight and substandard quality of care, a deadly combination. This apparently means the reason the nursing home industry continues to fail our seniors is because the government isn’t doing its job by monitoring them adequately.

The California governmental agency responsible for nursing home operators rightfully took a hit for having allowed poor care to proliferate at nursing homes around the state, with the number of incidents that could cause serious injury having increased significantly in recent years. The California state audit concludes that the California Department of Public Health’s failures in oversight increase the risk that nursing facilities may not provide adequate care to some of the state’s most vulnerable residents. Safety and accountability problems at nursing homes across the United States are rampant, says the California State Auditor.

Federal inspection reports show that infection control is routinely ignored in nursing homes across America. To exacerbate matters, the Trump Administration has scaled back the use of penalties to punish nursing homes that put residents at risk of injury. This compounds the issue cited by the audit where in a vast majority of cases government investigators found problems that could severely harm patients, the public health department failed to cite or fine the facility involved. Who’s watching out for the seniors?

It is disturbingly clear that the public health department in California is not holding nursing homes accountable for what amounts to be crimes against the elderly. Neglect can be criminal. The government needs to regulate this industry. It also needs to make sure there are enough beds in nursing homes that can be attended to for 2.4 hours per patient day by a registered CNA, and 3.5 total hours of direct skilled attention each and every day. Government health agencies and the nursing and home care industry are going to have to be brought together in the most unlikely of marriages, or a large segment of our growing numbers of senior citizens is going to dwindle and suffer at a much greater rate than is necessary.

HOW DO YOU PREPARE YOUR FAMILY FOR A FINANCIAL RESET?

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Does anybody who’s ever tried keeping their family’s heads above treacherous financial waters have any idea what in the world is going on right now?  Overseas, we’ve got accusations of chemical attacks and fake chemical attacks simultaneously coming out of Syria and England.  We’ve got threats of a major trade war between the United States and China.

Domestically, we’ve got a U.S. dollar that is worth four cents on the dollar, with the value declining as I write this.  The U.S. bond market and stock market, both pegged to the U.S. dollar, are filled with too high prices and too much risk, so they no longer provide a guaranteed safe haven to protect our assets from the declining U.S. dollar.

We have President Trump with his tax cuts, and Central Banks that are talking about raising the interest rates.  Our economy has been stretched to the max.  This last series of programs that were put into action by the Federal Reserve Bank since our last crash in 2008 have failed.  And all of this is happening at the exact same time.  It’s a recipe for disaster, and now someone is talking about a complete financial “reset,” and we have to wonder how that will affect our ability to feed and clothe our families during difficult days to come.

Why is all of this happening right now?  According to Lynette Zang, Chief Marketing Analyst at ITM Trading, ten years of American Central Bank failures means that all of the fiat money assets that were targeted for “‘reflation’ have created tremendous bubbles, and now they’re trying to undo the experiments with our economy.”  They’re trying to undo what?

Zang, who has worked in commercial banking since 1986, says what we have witnessed is a Central Bank rally followed by what appears to be a Central Bank crash — with whatever is to follow.

“The Fed is going to start tapering their stimulus,” the former stock broker and investment banker says.  In other words, print, print, print money is all we know, and now the scant part of that flow that came down to us is being cut off.

Zang says what fuels this whole financial system, which is called a “fiat currency system”, is the constantly compounding debt.  “And interest rates are the tools that they use to speed that up or slow that down,” she says.

Our problem is the world has been anchored at zero percent interest for too long.  “That means they’re out of the tools that they typically would use to do that,” Zang says, “which is why they’re trying to unwind and normalize something that isn’t normal to begin with.”

Our money system is not normal to begin with because it is based on debt.  The best we can do in our present day financial reality is borrow more, of what the Federal Reserve “prints”, so we can buy what we can afford to borrow — at a price, that compounds daily with interest.  And now the Federal Reserve Bank has no more tools to keep it going.  The American financial house of cards is rapidly crashing, and what exactly that means to us, the average person struggling to make a living and raise a family of four, will be up to us.

According to Zang, “they’ve” been calling for a “reset” since 2013, and “they’ve” run out of options.  There’s no purchasing power left in the U.S. dollar.  All the currencies in the world that are tied to the U.S. dollar have eroded over time due to inflation, to near worthlessness.  And that’s what all of our family law community assets are tied into.  It’s all going down the tubes.

“They’re talking about a financial reset,” Zang says, “but it looks more like a planned demolition.”  The Central Banks are in huge trouble.

We, here, in the real world, have no choice but to get our heads around this concept of a new financial reset.  We need to understand what’s going on.  Big changes are happening to us and we’re not being told about it straight forward.  We need to find answers to tough questions.  We need to ask those tough questions.  We need to understand how this financial crisis that is happening, and is apparently going to get much worse, is going to affect us if we’re an average family of four who just happens to be going through the biggest crisis of our lives, and it’s called divorce.

So what is a financial “reset”?  Is it getting rid of the debt, a new currency?  What?
“Transitioning us into the new financial system,” Zang says cryptically.  “Establishing the new financial system they have in mind, which ties into cryptocurrencies and cyberspace.”

If what Zang says is true, then the situation we find ourselves in appears clear enough.  We are going from a debt based financial system to one that is centered around crypto currencies, cyberspace, and digital money controlled by a central governing process.

If we’ve gone to the grocery store lately or tried to buy movie tickets we know our dollar is buying less.  Everything we own seems to be going down in value while everything we need gets too expensive to buy.  We’re forced to settle for less and make difficult choices as to how we’re going to spend our precious remaining financial resources.

The old financial system that started under U.S. President Richard Nixon in 1971 was based on debt.  That debt, and all the compounded interest that has accrued on it, stands today as not payable.  And the interest on that debt continues to add up.

Zang says a “reset” to the financial system begins with a reset of the debt.  She says we have been dealing with nothing but compounding interest, which is “what creates money in the system, and we’re never going to get out of debt.”  It’s the way the system was built and they are going to have to “reset” the debt, so we will be able to continue to function economically as individuals and a nation.  But at what price?

Our currency, the U.S. dollars we spend to buy food, gas, and clothing, are merely debt instruments that don’t pay interest.  Our financial system is based on the foundation of never ending debt.  We’ve reached the end of the line.  Compounding interest will never be paid off.  “It has to reset.”  “The system doesn’t work anymore.”  “It died in 2008.”  “It’s a zombie system.”  “The entire system will crash.”  These are Lynette Zang’s words, not mine.

And the question remains.  What do families have to do to have a chance to survive in a rapidly changing world like this?  The answer is they have to learn the truth of the world that swirls by them while they’re busy making plans, or playing with their cell phones.  Heads of families have to take the time to learn to understand what is truly going on in the economic realm in which they live.  Right now, we in America are living on borrowed time, financially, and most of us don’t even realize it.  We might be aware that something is going on, that bills are becoming difficult to pay, but we don’t really pay attention to finding solution to our ever increasing financial difficulties.

That’s why we’ve got to deal with the true nature of today’s realities, financially and otherwise.  We’ve got to do our homework.  We’ve got to weed out the lies in information we receive and determine who’s telling the truth.  We’ve got to understand that, financially, our dollar may be about to disappear.  That there most probably is some kind of major change coming to our financial system and the currency we will use to live on.  That we’re going to have to understand what that is all about, how it will affect us, so we can figure out how to preserve what assets we have left.  We must learn to understand how a financial “reset” will affect the future of our families.

Where does your family stand on this?

 

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