We have the answer to foreign oil right now! It's called the Bakken Formation in ND, SD, MT and up into Canada!

Check out this small, about 3 minute, You Tube new video clip!  The figures are from the US Geological Survey too!  Not some "wacky" nerd like dude somewhere.  The estimates put just this one formation to have oil reserves that would make it the largest in the world!  That's right, more than Saudi, more than Iraq, more than Iran, more that Kuwait, more than.... well you get the picture!  Please, please, please publish this to your Facebook page, My Space, your blogs, your emails to anyone that will listen!   This along with our natural gas reserves can put the USA completely, totally, absolutely, and unconditionally energy independent!  Get excited about this and pass it on so we can start a serious tidal wave of public opinion!  This is too important not to.  Get on board, right now!




Quick numbers from this report:

Bakken Formation, USA = between 150 to 500 BILLION barrels of oil
Saudi Arabia = around 260 Billion barrels of oil

Now, before anyone "green" starts yelling, this is on dry land and NOT off shore!  Also, I'm all for electric cars, solar and wind power, etc. and one day those technologies will become financially workable.  Today they are simply NOT financial workable.  Today they also are NO WHERE CLOSE (even if it were free to produce) to being able to provide the QUANTITY of energy we need in the US.  Funny how no one talks about that fact in the debate isn't it?

Again, I'm not knocking green energy at all so please stop knocking oil.  Oil is not a bad word.  We can obtain, transport, refine and use it responsibility here in the US.  We have tons of oil (and don't forget about natural gas) within our borders.  We have the technology TODAY to get at it.  So, let's use it until the more renewable energy sources become available to us both in quantity and in technology.

Lastly, again to kinda put a cork in the extremist, oil hating people out there, see the list (and a partial list at that) below showing products we use oil to manufacture and use!  Again, even if renewal energy sources were feasible for current use, we would STILL NEED OIL to make all the things we use on a daily basis that so many of us don't even think about.  Plastics, waxes, drugs, soap, paint, etc., etc. just to name a few.  The list below, again is just a partial list, hopefully will open some eyes.  We still need to make sure the oil industry is producing our own American oil safely, effectively, and efficiently for sure but don't make oil sound like it's small pox, okay?

A partial list of products made from Petroleum (144 of 6000 items) 

Solvents	Diesel fuel	Motor Oil	Bearing Grease
Ink	Floor Wax	Ballpoint Pens	Football Cleats
Upholstery	Sweaters	Boats	Insecticides
Bicycle Tires	Sports Car Bodies	Nail Polish	Fishing lures
Dresses	Tires	Golf Bags	Perfumes
Cassettes	Dishwasher parts	Tool Boxes	Shoe Polish
Motorcycle Helmet	Caulking	Petroleum Jelly	Transparent Tape
CD Player	Faucet Washers	Antiseptics	Clothesline
Curtains	Food Preservatives	Basketballs	Soap
Vitamin Capsules	Antihistamines	Purses	Shoes
Dashboards	Cortisone	Deodorant	Footballs
Putty	Dyes	Panty Hose	Refrigerant
Percolators	Life Jackets	Rubbing Alcohol	Linings
Skis	TV Cabinets	Shag Rugs	Electrician's Tape
Tool Racks	Car Battery Cases	Epoxy	Paint
Mops	Slacks	Insect Repellent	Oil Filters
Umbrellas	Yarn	Fertilizers	Hair Coloring
Roofing	Toilet Seats	Fishing Rods	Lipstick
Denture Adhesive	Linoleum	Ice Cube Trays	Synthetic Rubber
Speakers	Plastic Wood	Electric Blankets	Glycerin
Tennis Rackets	Rubber Cement	Fishing Boots	Dice
Nylon Rope	Candles	Trash Bags	House Paint
Water Pipes	Hand Lotion	Roller Skates	Surf Boards
Shampoo	Wheels	Paint Rollers	Shower Curtains
Guitar Strings	Luggage	Aspirin	Safety Glasses
Antifreeze	Football Helmets	Awnings	Eyeglasses
Clothes	Toothbrushes	Ice Chests	Footballs
Combs	CD's & DVD's	Paint Brushes	Detergents
Vaporizers	Balloons	Sun Glasses	Tents
Heart Valves	Crayons	Parachutes	Telephones
Enamel	Pillows	Dishes	Cameras
Anesthetics	Artificial Turf	Artificial limbs	Bandages
Dentures	Model Cars	Folding Doors	Hair Curlers
Cold cream	Movie film	Soft Contact lenses	Drinking Cups
Fan Belts	Car Enamel	Shaving Cream	Ammonia
Refrigerators	Golf Balls	Toothpaste	Gasoline

How to Fix SOCIAL SECURITY ..... yep, I'm stepping on the third rail here!

No politician wants to "step on the 3rd rail" being Social Security.  Everyone knows it's broken without anything done to it but no one will speak about it!  It drives me nuts.  Main part that is revolting is the political gamesmanship both the D's and the R's take when the other side makes a comment on how to fix it???

The main reason I get so mad is there are a number of ways to repair what is there or to replace the current system with another.  Here is one idea for discussion:

Being that I have my insurance license, I have a very simple idea that I believe would have multiple benefits to the country and it's citizens.  Now, first off, this is just one example and I'm sure there could be a product created to achieve greater results given the scope of the policy I'm recommending.  Now that the disclaimer is over, here is my idea.

When a citizen enters the work force, instead of FICA withholding's going into the Social Security Fund, each person has a Universal or Whole Life Insurance Policy taken out on them.  For example, an 18 year old male, non smoker that the total contribution to the policy being $150 per month would fund a policy with a face value at issue of $100,000 in life insurance (death benefit increasing with cash value option) that could be worth $734,000 in cash value and have a death benefit of $896,000 at age 65.  Then the person takes that just short of 3/4 of a million dollars and rolls it into an indexed annuity then they could have a lifetime income of around $36,000 per year minimum (if annuity index does well, then could be more).

While that's not a lot of money, it's definitely much better than many social security checks now being received!  Not only that, but everyone working in the country would also have life insurance to establish an estate for their families for those that don't make it to 65 years old.  Think of every working person in the USA being insured for at least $100,000 (will go up with age and continued payment premiums to keep policy in force) with a serious cash value accruing along the way.

Now, if that individual could leave the policy alone until they were 69 years old, then the cash value would be over $1,000,000 and the death benefit over $1,200,000 at that same $150 per month!  I don't know about your paycheck but the FICA portion for many is well over that amount on a monthly basis.

Consider that my example is with a current universal life insurance product that anyone in Florida (state where I am licensed) could get as long as their health made them eligible for the underwriting process and for most 18 year olds that's not a problem!  Now if the insurance industry would put their business minds together, I'm sure a universal or whole life policy could be put together that could increase those benefits by restricting loans out of the policy, etc. (current universal or whole life policies allow loans to be taken out for their cash value) or many other ways to ensure funding the policy will continue and not be depleted along the way.

Let the current Social Security Administration administer the receipt of funds and transfer to the insurance company chosen.  Each state regulates the insurance companies in their states and that would continue.  They would have to figure out an equitable division between insurance companies to write the policies but with such a large number of policies compared to current levels, there would be plenty of business to go around.  Probably would need more insurance companies to handle it all.  But those are good problems to have.  Now you take the money out of politician's hands and place it directly into the economy!  All insurance policies are backed with a number of protections and state insurance boards to ensure the policies remain funded, so safety would not be an issue.

Before you yell at me about the disabled or children of deceased parents, etc. that currently get social security funds in one way or another, I bow to you on those instances but I would say that those exceptions are a very small percentage and could be taken care of separately via some kind of program but the main thing is there would be so much money to do it with at the federal level as social security would not be a burden on the government.  Anyway, something to chew on and I'm sure there are ways to improve or amend the idea.  So, D's, R's, I's and L's come on and put down political gamesmanship and roll up the sleeves!

What do you think???  Come on and let me know!!!  Have a great day everyone!

AP news title line: GOP contenders square off on immigration

Of course this topic came up during the debate tonight for the GOP candidates.  I have no problem with the question.  I do have a big problem with almost all of the GOP's and the Dem's answer to the question.  They all play politics and well that's what politicians do.  However, why none of them get the real issue and the correct answer right drives me nuts.

Here is the simple but absolutely truthful answer no mater if you are a R, D, I, or L;  YOU CAN'T ROUND UP 12,000,000 PEOPLE AND DEPORT THEM!!!  Logistically, it can't happen!!!  I don't give a damn what you viewpoint is from an ideological standpoint.  That's the truth and also the reality!  In this case they coincide.

Now, I am all for people immigrating into our country legally and believe that those who do not enter legally should be caught and deported.  I think it should be an actual crime to enter illegally and that congress should pass language to cement that fact.  You have to pick a point and move forward on an issue like this.  Since all political parties in power have fumbled the ball on this issue for the last two or three DECADES, you can take your pick on where to point the finger.

The solution really has nothing to do with the question.  SECURE THE BORDER FIRST!  After that has been accomplished, the question becomes moot!

This same answer and question and situation stands with the anchor baby issue (yes, I know it's not the topic...sue me).  SECURE THE BORDER FIRST!  After that has been accomplished, the question becomes moot!

Anyone see a pattern here?  R, D, I, or L's it doesn't matter.  Until the border is secured to stop the massive influx of illegal immigration, it really does NOT matter what you think of the 12,000,000 illegals all ready here.  I mean you don't start to clean up the spilled milk until you stop the spill.  Well maybe if you are a member of congress but anyone else on the planet would stop the spill first!  Same thing on the border.

That solution is simple also.  US Army gets tasked with securing the border.  I know, this is a real radical idea right?  I mean, no other country uses this radical idea, right?  I mean, hmmmmm, wouldn't a nation's defense fall under that nation's armed forces???  DOD - Department of Defense; does this ring any bells???

Now, why will we never see this happen?  Simple, no politician has the guts to step up to the microphone and say what any person with common sense (and no dog in the political fight) would do.  D's won't do it as it's a total influx of new voters for them.  R's won't do it as they are afraid of being labeled anti-Hispanic.  I's and L's don't matter as they are not in power in any level of government.  And all of them are too worried about keeping their political jobs, therefore they won't do their political jobs!

THIS IS TO ALL AND I MEAN ALL OF YOU ON CAPITAL HILL.....YOU ALL ARE COWARDS!  That simple.  I mean to be quite clear.  Every single one of them.  Senate, the House, the Administration, absolutely all of you political boneheads on this issue are all together in one group.  That group = COWARDS.  Do your jobs if you ever find your spine somewhere.

Presidential Candidate Herman Cain is in the cross-hairs publicly

This posting will be a short one.  Mainly due to the "no way to prove it" aspect of this current blow to Herman Cain's campaign.  I find it quite convenient that these allegations of a possible sexual harassment happen to become public right in lockstep with Mr. Cain's rise in the polls for the GOP presidential nomination process.  I know this might not be "fair" but anytime I see the news hungry, camera grabbing, definition (in my opinion) of a  lowlife shyster lawyer lady Gloria (whatever her last name is) then my guard is up.  Then when you add the timing of these accusations against Mr. Cain just as he has taken the "lead" in the national polls for the GOP nomination and all my flags go up quickly!

This smacks of a dual role attach on Mr. Cain.  Money and political hatchet job are the 2 items that come to mind!  Why do you wait for over a decade before bring up this alleged harassment?  Of course there is no evidence to back up any of these claims.  Simply a he said-she said scenario.  Don't let some small thing like evidence stop Ms. Gloria from stepping up to the microphone before slandering a potential presidential candidate.  Noooo.  Where do they drag up these people anyway?

Now, if there is proof to back up any of these charges, then fine.  Swing away and I would support the charges alleged.  However, when a woman waits over a decade and only brings up charges without evidence that her claims are true as a person is campaigning for the nomination of his party to run for president of the county then I have a big problems with it!  Smells fishy as my wife would say!!!