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Friday, May 06, 2016

For the first time, the Food and Drug Administration announced it will regulate more tobacco products, including e-cigarettes, hookah tobacco, cigars and pipe tobacco. The FDA says the use of e-cigarettes has "skyrocketed" among high school students from 1.5 percent in 2011 to 16 percent in 2015, a more than a 900 percent increase. "Before today, there was no federal law prohibiting retailers from selling e-cigarettes, hookah tobacco or cigars to people under age 18," said the FDA adding it will begin evaluating factors such as ingredients, product design and health risks. Makers of the products can continue selling for up to two years while they submit a new tobacco product application. The Smoke-Free Alternatives Trade Association released a statement criticizing the FDA change: "Today's final rule pulls the rug out from the nine million smokers who have switched to vaping, putting them in jeopardy of returning back to smoking, which kills 480,000 Americans each year and costs the U.S. more than $300 billion in annual health care expenses."

Monday, April 04, 2016

So most of you know I have MS. I have always wanted to retire to Colorado even before legal weed there. So I now work from home and my family situation is such that moving there might be in the cards soon. I only know Denver and Colorado Springs and only from short visits. The moving budget will be smaller than I prefer and I know I won't be able to afford Denver, does anyone who knows the state know some good communities that are maybe a bit cheaper than Denver but still nice for raising teenagers? Just starting the research now and thought I would see what people know.



My daughter just bought her first car 600 bucks. Yeah it's a beater yeah it will need 500 bucks in parts to keep it running 3 years but she learned from me and plans to never have a car payment. I taught her what I know about car maintenance and as a cute girl she can always find some guy to help her with repairs and she knows enough now to watch him and learn what to do next time.

I leaned about car payments from my uncle, he was worth a few million back in the 80's but drove around in a 70's Datsun 240Z. It was a fun little car but one time I asked him why he didn't have a nicer car. He told me that all his money was in investments and since investments were volatile a car payment might have a higher interest rate than his investments made so he just made do with what he could pay cash for.

When my daughter was born my mother-in-law convinced me to get a new mini-van and a car payment. It took me all of the first monthly payment to realize that my uncle was right and my mother-in-law was wrong. I paid it off in 1 year and never got another car loan. Some times that has meant 1 car in the household, it has always meant old cars, newest car I have had since then was 6 years old when I got it, but 20 years with no payment.

The point is anyone can live with no car payment. They might just have to live with a crappy car but in the long run they will be better off. If you must have a nice car find the car you want, calculate the payment on it and save it for 3 years then get the newer version of the car for cash.

Scotland is already talking about voting for independence.


"Scotland voted in favour of the UK staying in the EU by 62% to 38%."

I don't make predictions but there is no doubt that Scotland will vote for independence and a strong possibility that they will break off. Nothing set in stone and I'm not calling it but RCADE making that prediction is not exactly going out on a limb.

Additionally, didn't you say you had a pretty gnarly nest-egg built up???

Yeah I did which is how I found out that there is no way for the individual to do it. At 29 I had a house, 2 paid off cars, no credit card debt 10k in savings and 25k in various investments. Now 12 years later I have no savings or investments left I live from paycheck to paycheck and I can't hold down a full time job I do contract work when I can get it.

So if a major illness can wipe out a 29 year old on a good trajectory what will it do to your average family?

Sure MS is rare but it is just one of many things that can happen to a person and frankly it's not even the worst I could envision. What can be done, National Health Care would be a big one the combination of loosing work plus medical bills is what did me in, if I didn't have the medical bills I might have been able to hold out longer. A Universal Basic income would help too. For most of my time I have not qualified for any aid because of the savings and income levels. Our current system requires you to go broke before you get help, with a universal basic income I would have been getting the help all along.

Instead of investing in our citizens with programs like NHC and UBI we give the bankers trillions and spend trillions more bombing brown people. Meanwhile a guy who played by the rules, did everything right is driven to the brink of bankruptcy and to make matters worse is blamed for it. (not by you) Our priorities as a nation and as people are screwed up and 12 years ago I was just as guilty of that kind of thinking as any other.

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