Category Archives: Commentary

Immigration Ban on Select Populations

I’m not a fan of Trump but I do believe we need to review our borders, review our immigration polices in order to protect our nation. This is only a temporary order.

The United States has the world’s most generous immigration system but we cannot continue to feel obligated to take on every persecuted, threatened, tortured or disadvantaged populations of people around the world. Especially not when we have people in our own country that our going thru the same ordeals. Let’s take care of ourselves first as many are suffering here at home.

America First, may have been Trump’s campaign but it sits fine with me!

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Protecting The Nation From Foreign Terrorist Entry To The United States

Release Date: January 29, 2017

The Executive Order signed on January 27, 2017 allows for the proper review and establishment of standards to prevent terrorist or criminal infiltration by foreign nationals. The United States has the world’s most generous immigration system, yet it has been repeatedly exploited by terrorists and other malicious actors who seek to do us harm. In order to ensure that the United States government can conduct a thorough and comprehensive analysis of the national security risks posed from our immigration system, it imposes a 90-day suspension on entry to the United States of nationals of certain designated countries—countries that were designated by Congress and the Obama Administration as posing national security risks in the Visa Waiver Program.

In order to protect Americans, and to advance the national interest, the United States must ensure that those entering this country will not harm the American people subsequent to their entry, and that they do not bear n\malicious intent toward the United States and its people. The Executive Order protects the United States from countries compromised by terrorism and ensures a more rigorous vetting process. This Executive Order ensures that we have a functional immigration system that safeguards our national security.

This Executive Order, as well as the two issued earlier in the week, provide the Department with additional resources, tools and personnel to carry out the critical work of securing our borders, enforcing the immigration laws of our nation, and ensuring that individuals who pose a threat to national security or public safety cannot enter or remain in our country. Protecting the American people is the highest priority of our government and this Department.

The Department of Homeland Security will faithfully execute the immigration laws and the President’s Executive Order, and we will treat all of those we encounter humanely and with professionalism.

https://www.dhs.gov/news/2017/01/29/protecting-nation-foreign-terrorist-entry-united-states

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Respect begets respect

It upsets me to read on social media the people that are upset because people on their feed did not vote for the candidate they did and therefore deem it acceptable and appropriate to remove them. It upsets me the closed mindedness of people that act this way as it demonstrates the same bias that they feel they saw in the candidate they didn’t vote for. I have worked and interacted with many a person that had differing views as I on many things but we both worked together to accomplish our goal. After all the true act of accepting of others is learning to interact together regardless of each other’s differences. Respect begets respect and at the end of the day has nothing to do with who you voted for.

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Trumponomics

Trumponomics
Best’s Review – January 2017
Insight

The new president’s policies are a potentially potent elixir for insurers.

Donald Trump’s inauguration this month represents the end of an intense period of speculation and sophistry about his administration’s policies and the beginning of their implementation. Trump’s impact on the structure and operation of government will be profound, chiefly because his administration will benefit from majorities in both houses of Congress, and only secondarily because Trump is the ideological antipode of his predecessor. His impact on the economy, on the other hand, could be even more impactful—music to the ears of the growth- and yield starved insurance industry.

For insurers and their policyholders, changes large and small are in store. There’s no question the Affordable Care Act (ACA)—first on the long list of Obama-era legislation Republicans have queued up for annihilation—will be ceremonially extirpated in the opening hours of the new administration. And yet, Trump has already made multiple concessions to reality: Republicans suffer from pre-existing conditions just like Democrats and have trouble affording health care. And they’ve come to like the option of keeping their kids on parental plans until the age of 26. The bottom line is that the campaign promise to “repeal and replace” Obamacare will be implemented as something more akin to a reform and restructuring effort rather than a complete repudiation of President Obama’s signature legislative achievement. Popular elements of the ACA will be retained, while the much-loathed individual mandate to purchase coverage will almost certainly be eliminated. Private health insurers are likely to gain more underwriting freedom as coverage mandates are jettisoned, which should help arrest and reverse the adverse selection death spiral that has led many insurers to abandon the ACA exchanges. Competition in terms of price and product should increase, moving the American health care system away from the single-payer model in which it was headed.

The early messaging on Obamacare is encouraging because it suggests Trump’s vision for “making America great again” involves a pragmatic approach toward vexing problems. Overregulation is one of those problems, and insurers are hoping for relief from bank-centric regulation through a partial rollback or reform of Dodd-Frank. Easing of the Department of Labor’s fiduciary rule could benefit life insurers. The urgency with which a Trump administration will tend to insurance industry concerns, apart from the ACA, is unclear. Trump is said to reward loyalty, and when it comes to prioritizing, administration insiders may notice that insurers donated nearly five times as much to Hillary Clinton’s campaign as they did to his own.

After a momentous election such as this, the industry’s political pundits can be forgiven for focusing too much on the regulatory trees and not seeing the economic forest. The reality is that the greatest gift Trump and his compliant Congress are likely to bestow on the industry is the potent combination of faster economic growth and higher interest rates. A mere one percentage point improvement in GDP growth could add $5 billion to $6 billion in premiums per year to the top line of growth-starved property/ casualty insurers. The expectation for faster growth is pushing up yields. Higher interest rates could arrest the slide in P/C insurer investment income, which remains nearly 20% below pre-crisis levels. Insurers were as surprised as any industry by Trump’s victory. The potent combination of a lighter regulatory burden, faster economic growth and higher interest rates could be just what the industry needs to jolt it from its growth and ROE doldrums.
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Best’s Review columnist Robert P. Hartwig, Ph.D., CPCU, is past
president of the Insurance Information Institute and current professor
of risk management, insurance and finance as well as co-director of
the Center for Risk and Uncertainty Management at the University of
South Carolina’s Darla Moore School of Business. He can be reached
at robert.hartwig@moore.sc.edu.

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Leather is Better!

I’m sorry folks but as long as we kill cows for food we’ll have their skins for leather. To waste this product is not really very environmentally friendly. I would rather have that natural leather on my body or feet than the petroleum needed to make that faux leather product! And rest assured other than outgrowing the item, leather will last for decades. Case in point I sold a leather jacket last year that was over 35 years old for $15 at the Westgate Yard sale!

“If you can buy a pair of boots that last twice as long as a synthetic alternative, you’ll end up with half the environmental impact in the long run…”

Is Fake Leather Really More Eco-Friendly Than Real?
http://www.motherjones.com/blue-marble/2011/01/fake-leather-really-more-eco-friendly-real

Gay Real Estate

Hmmm very disappointed with a response I received from the Operations Manager of Gay Real Estate, http://www.gayrealestate.com after I made a query about relocating assistance to another state and asking about potential renting a house first before making a decision to buy a home in an unfamiliar area and seeking and wanting to do business with an LGBT organization for this process.

Jodi Gerber
Operations Manager
Gay Real Estate
http://www.gayrealestate.com

Dear Jodi:

Regarding your response to my query on your website seeking your organization’s assistance in relocating to another state and to pursue housing options with the ultimate goal to purchase a home in a new area and your reply that “…our agents do not typically handle rental transactions..” I reflect on the definition of a a real estate agent as a person who sells or rents houses, land, offices, or buildings. Seems contrary to your statement and in my professional experience as an insurance agent that has always seized an opportunity to network, assist, engage and help others even if it was outside of my direct occupation of “selling” insurance; helping outside of your product sell eventually brings business two-fold into your product pipeline. It is also my understanding that it is not at all uncommon for real estate agents/realtors to assist a potential client in renting accommodations before purchasing a home especially for an out of area person wishing to locate to a new area. As in the Insurance Industry this is establishing a relationship pipeline that potentially would lead to business for the real estate agents/realtors. I sought out your organization for this process. The fact that you state that your agents typically do not handle rental transactions, information on potential locations, favored areas to purchase and relocation information (which initially your organization offered to send me) I personally find insulting and especially since I sought out to do business with an LGBT organization. I will not consider going forward with doing business with your organization and would strongly suggest you re-evaluate your position on this especially your statement of not typically handling rental transactions which I’m sure from what I know of real estate agents is not the case as there are always situations where a seller may want to rent a home for awhile and a buyer may want to evaluate a new area before making a commitment to buy.

This is all in the realm of professional networking and I assure you coming from an insurance agent’s perspective these are all excellent opportunities for professional networking and professional referral networking all of which any agent in any industry would lick their lips for.

Police did just cause by taking down a person with intent/success to harm others at OSU on 11/28/16

Radicalized, ISIS inspired, disgruntled, prejudiced against, it doesn’t matter and who cares. Police did just cause by taking down a person with intent/success to harm others.

We are no longer in a realm where we can sit down and psycho analyze whether a person who is demonstrating intent to harm others is going to follow thru or not.

The person is dead and I have no desire to listen to endless discussions as to the conditions that lead that person to do what he did. Do I sound cold and un-empathetic? Perhaps, all I know is that I stand behind the police officer’s actions as just and quick acting appropriate to the situation.

I watch daily in my own neighborhood gunshots being fired out of vehicles, gangs of men beating up and robbing women, drugs being sold, break-ins and vandalism. Our real issue is what is going on in our own neighborhoods. This person’s actions at OSU is no different than the actions I just mentioned as going on in our own neighborhoods. Both involve intent to harm others or property with no regard as to that harm.


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Letterto the Editor: City is turning its back on Hilltop – Ruth Thurgood Mundy

In response to letter to the editor (see below):

I’ve said for three years now that the Hilltop is the no man’s land between 70W/W. Broad St and Wilson Rd. It’s even an embarrassment going west of Wilson Rd with the new sidewalks, lighting, and streets and the wonderful median strip that was beautifully filled with weeds this year. But let’s go further west on W. Broad St and see the wonderful developments going on in Lincoln Village. Their median strip was beautifully kept with sustainable plants that made a pleasure to go thru Lincoln Village. So why has the Hilltop failed and Franklinton and Lincoln Village have succeeded? Perhaps we are a lost cause. Perhaps we are the dumping ground of Section 8 vouchers from other areas of the city that had to move those populations out in order to revitalize. Perhaps we have land development banks that claim to be doing us good and patronize our community but really they are sectioning “poor” dollars to our neighborhoods in developments so that they can take the higher end dollars to better neighborhoods. Perhaps we are the new “project” place to be for homeless shelters, free medical facilities, and mental institutions after all that’s the people we have. Perhaps we are the famous place for out-of-state LLCs to buy up all our housing dirt cheap and then renting these properties unfixed, broken to people desperate for housing that will pay the high rent prices because they don’t qualify for other housing. And of course let’s thank and kiss the asses of our great Columbus City officials who walked our streets and talked the talk but still shy away from any tough stance on slumlords, tougher regulations from LLC’s buying up property, especially from out-of-state, and setting up slum housing right next to Hilltop residents who still give a damn but are damned for trying to get the city to do something. Let’s not even get into our new claim to fame of being the heroin place to be for the City of Columbus. Let’s continue to allow the city to dump clean needles and naloxone which we all get to view daily discarded in our alleys and sidewalks. Let’s continue to thank the City of Columbus for continually setting loose habitual drug sellers so that they continue to come back to our communities and continue our fame. Let’s continue to thank the city for turning a deaf ear on reported call-ins of known drug houses in our communities because resources can only be devoted to the “big gamers” while our small time drug dealers flourish on our streets and laugh and boldly sell in our streets because they know they are untouchable – they know the game. And finally let’s not begrudge the Hilltoppers that moved here and tried to do their best to make a better community but realize they are only one against many and are leaving in defeat because they only want a safe, clean, and sustainable, vibrant place to live.
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Letter to the Editor: City is turning its back on Hilltop
Saturday November 26, 2016 5:00 AM

In his 2016 State of the City address, Mayor Andrew J. Ginther stated, “We know there are other neighborhoods that could benefit from more city investment.” He then outlined plans for the Hilltop and Linden neighborhoods (Dispatch article, Feb. 25). However, it seems Ginther has quickly abandoned the Hilltop.
Since Ginther took office, Linden has emerged as the ostensible favorite child, with promised inclusion in the Smart City transportation program, offices for the new Department of Neighborhoods, and tax incentives for a new Huntington headquarters (“Huntington investing in Northland, Linden,” Dispatch article, Wednesday).
On the Hilltop, it is more of the same neglect: The city approved a tax credit to a major employer, Big Lots, to move offices out of the area (“Big Lots gets city tax break,” Dispatch article, July 19), and COTA is actually cutting bus service on some lines after voters in November renewed a sales tax for the transit system. The current administration takes credit for Hague Avenue improvements and sidewalk and sewer improvements, but these long-overdue Hilltop improvements were already set to be made under the administration of Mayor Michael B. Coleman.
Watching the promised investment go to Ginther’s pet project and not balancing the investment between the two neighborhoods is yet another signal to the West Side that City Hall is leaving the Hilltop further and further behind. How disappointing.
Ruth Thurgood Mundy
Columbus

Baby Daddy

I have no problem with two consenting adults in having sex, regardless if young or not as when the urge is there hormones will prevail. But when has it become a fact of course that Momma “don’t know who baby Daddy is” and “that baby ain’t mine”? Is it a result of parents too afraid to have that discussion with their children and allowing access for contraception? And then we see all the daytime talk shows providing DNA testing and elaborate calendars showing conception date and due date – I’m sure we all know the time frame from conception date and due date; seems really the issue is that someone ought to be marking on their smart phone calendar the date and time that Joe spread Momma-to-be’s legs.

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JUST BECAUSE DONALD TRUMP GOT ELECTED DOESN’T MEAN YOU CAN DO THIS

Very well said. I’ve seen my friends count on FaceBook drop by almost 10 because of my outspokenness on this, not that that matters to me but I’ve made some pretty countering statements on other subjects in the past. The fight is not about protesting because of a choice of President but rather holding our new President to be accountable and fair to all the citizens of our country. Rioting, destruction of property, or promoting of hate is not an acceptable way to express one’s fear or not accepting or concern as to what our country has in store for us. Instead turn that fear into constructive energy and make positive change and growth instead of hate and tearing down. And please don’t think your actions of racism and prejudice gives you acceptable license because our new President to be got away with it. Trust me he will be held accountable severely if any of these actions should occur going forward.

JUST BECAUSE DONALD TRUMP GOT ELECTED DOESN’T MEAN YOU CAN DO THIS
From A Thespian girl – The Official Site of Alex Matsuo

https://alexmatsuo.com/2016/11/11/just-because-donald-trump-got-elected-doesnt-mean-you-can-do-this/#comment-2210

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Gays and Trump

It is so sad the number of friends that have unfriended me on FaceBook over my recent posts, especially one’s identifying as gay. I’m actually quite embarrassed for them as in years past this same group of people were harassed, beaten up, hated on, denied employment opportunities, or disowned by families, or lost their lives. It’s also ironic that these same tend to be younger and have had the privilege to express and be themselves throughout their lives as a result of the generations that fought for their right to be who they are today. It saddens me that they use the same words of hate, hurt and such to a Presidential elect (one who myself I did not vote for) or towards the voters that elected him. They use these words based on assumptions or prior actions instead of seeing exactly what our new President elect will do. We are a democratic society with systems in place that protect our current laws, laws put IN MOTION by prior Presidents because people came up and spoke and educated the President that this was the thing to do. It embarrasses me that as a gay person who has always believed in acceptance, tolerance, understanding, “to be who I be” that I have to see these hateful activities going on today all based on an assumption of what if, instead of believing in our great American Democratic Society that we will continue to move on towards a great nation that embraces all it’s people. Sure we can jest, pass humor, state our beliefs but we sure don’t need to be rioting (and let me point out that the rioting today over a Presidential elect is in no way equitable to the Stonewall riots decades ago), spreading hate, or fighting within the same group that share these core beliefs. I’d rather see unity; and practice what we all have fought our lives for and that is acceptance and to be loved for who we are. We all have done this in our own ways whether large or small. We have the power of knowledge, education, and cultural history. We sure do not need to embarrass ourselves and succumb to the same haters that have ridiculed and suppressed us. Continue on with the local LGBT (LGBTQA) groups and participate in their upcoming endeavors but please let us not go backwards and undo their efforts. Acceptance in part is assimilation, strength though is proudly being who you are and this cannot be taken away by any President. And if our President elect attempts to, it will be just that, an attempt because we are a powerful force not to be reckoned with. Let’s focus our energies in preparing for that, if the time comes, instead of passing hate or contributing to activities that have no outcome; participate instead in activities that will. It’s our future and us “olderlings” are relying on a smart youth that need not go astray on inconsequential embarrassing matters. Remember, it has been stated that we are a group of the world’s most influential people. So let’s not embarrass ourselves: “Fight smart not aimless.”

And let’s not forget: A democracy by definition is government through elected representatives. A healthy civil society requires responsible and active citizens who value the system of government and work towards a shared vision of civil life.

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