|
|
Tools and Charts+
On this page are a few simple ideas and charts with
real power to positively change lives. That is, if the
concepts are really grasped by the right people.
A. Co-Ownership Mortgage Payment Co-ownership
of a home can be a great option for some, especially
young people with little capital or older people looking
to downsize.. I had a group of five friends who bought a
place together after college, and it worked out great.
They split the down payment and paid a relatively small
mortgage instead of rent while having a great time
together. As they made more money and got married they
sold their share for a profit, which in turn went to
their down payment.
| Mortgage Size |
1 Payer |
2 Payers |
3 Payers |
4 Payers |
| $100,000 |
600 |
300 |
200 |
150 |
| $200,000 |
1200 |
600 |
400 |
300 |
| $300,000 |
1800 |
900 |
600 |
450 |
| $400,000 |
2400 |
1200 |
750 |
600 |
Note: Consider the
possibilities of the education points on the crisis
responses page
in conjunction with this practice. Contrast an unskilled
young person struggling to pay rent with someone with a
skill from vocational schooling using the above system.
Retirement Core Principle Chart
The cost of nursing home care varies greatly from place
to place. The chart below shows just how much, and one
thing is clear; some serious comparison shopping is a
good idea!
| Location |
Daily Cost |
Monthly Cost |
Annual Cost |
| U.S. Average |
$181 |
$5430 |
$60,840 |
| Shrevesport, LA |
$96 |
$2,780 |
$28,000 |
| New York City |
$420 |
$12,600 |
$152,400 |
| Your Hometown |
? |
? |
? |
| 100 Mile Radius |
? |
? |
? |
Source: 2007 New York Times Almanac.
B. National Health Care Spending
We all know health care costs are rising and this
chart shows just how much. These costs are tough on
everyone; individuals, families, business and people
looking to retire.
| |
1960 |
1970 |
1980 |
1990 |
1995 |
2000 |
2005 |
2008 |
| Total Spending |
$26.7 |
$73.1 |
$245.8 |
$696.8 |
$990 |
$1,309.9 |
$1,982 |
2,338 |
| Annual $ Capita % |
$143 |
$348 |
$1,067 |
$2,737 |
$3,650 |
$4,560 |
$6,701 |
7,681 |
| As % of GDP |
5.1 |
7.0 |
8.8 |
12.0 |
13.4 |
13.3 |
15.7 |
16.2 |
Note: The above chart is
relevant. because of Social Security.
The SS system is fundamentally sound, but keeping health
care costs under control is necessary to prevent Social
Security checks from being eaten up by them. How far
will a 3.6% increase in SS payouts go if health care
costs increase 36%? These points are explored in
Ideas for America 1; New Hope Rises.
D. Social Security Chart
| Time Period |
Financial Status |
| 2010-2020 |
Social Security spends more than it collects
in taxes during eight of these 11 years, but the
trust fund grows every year because it collects
interest from the federal government. |
| 2021-2037 |
Social Security spends more than it collects
in taxes, and the trust fund shrinks every year.
The federal government pays back the money that
the Social Security program has loaned to it
with interest, and the trust fund ends this
period with a balance of zero. |
| 2037-2084 |
The Social Security program runs annual
deficits that accumulate to $44 trillion, which
could be covered by (a) adding $5.4 trillion to
the trust fund today, or (b) increasing payroll
taxes by 28% starting in 2037, rising to a 33%
increase by 2084, or (c) reducing benefits by
22% starting in 2037, rising to a 25% reduction
in 2084 |
| 2085 and beyond |
The Social Security program runs deficits
that could be covered by adding $10.7 trillion
to the trust fund today. |
Source:
JustFacts.com. Last
Accessed: June 12, 2011
|
|
|
|
|
|
|
|
Ideas for America 1: The Second Edition
|
|
To find out more
Click here....
|
Want to do something for you country? Consider this
"Model Election" Format.
|
- In 2010 I ran for the State Senate as an
Independent in a 3 way race, spending less than
$1,000, while getting 7% of the vote.
- The Format of the race was simple; weekly
standouts (free), one large mailing, and a "Economic
Crisis Responses" packet furnished to the media. For
just $1,000 you can assure the ideas we need are put
forth.
- Ideal Press Format
- What local weeklies did best was to ask
candidates a question, and give us 250 words to
answer. They did this every week for 5 weeks, and it
allowed me to publicly apply
ideas here. For example, one good question was; "How will you bring jobs
to the North Shore?" The media should stick with
this format.
- The 1,000 Piece Mailing was not sent to
members of any political party, but rather to a
large variety of people in the district; mostly
chamber of Commerce and town meeting members. With
bulk postal rates, you can do this for about $450.
-
- Standouts in the age of the Internet can
be very useful. Holding the sign at intersections,
you can refer people to your site as I did here.
Visitors can then read the ideas and opinions for
themselves. We had 48,000 site visitors here in
2010, which is not bad considering there's so
much Internet distraction out
there now.
-
-
|
|
