Welcome Home Vietnam Veterans

Here it is, almost Memorial Day, 2011, and about 45 years since some of us came home from 'Nam to face a country full of hostilities. No bands, no parties, no big group welcomes, not even cities or towns flying flags to say thank you. Other than family and close friends, there was no "welcome home." Even then, many never confided much to family or friends, because this just wasn't a popular war. No sense discussing it with people who would never understand anyway.

Vietnam Vets returned in ones, two and threes to the cities and towns across America, still filled with misery over what they had seen and felt a continent away. Little time to re-integrate into society, many were thrust back into civilian life to wend their own way through a system that had damn near discarded them, now that their active duty was over.

Bearing the scars of war, internally, externally or both came at a terrible price. Sure, the external scars were lots easier to see. Those could be treated, and maybe even healed a bit over time. But what about the scars that couldn't be seen? The suicide rate and divorce rates for Vietnam Vets has been publicized to be higher than the national averages. I don't believe all the data because every study seems skewed based on different data sets. But I do know that a major reason is because nobody thought much about Post Traumatic Stress Syndrome and how to treat it effectively. The "get over it" logic and the macho willingness to "hide it deep" gave way to the inability to keep it bottled up, and it manifested itself in numerous ways, none good. The DOD was putting people back in civilian life without adequate medical screening, the VA didn't have adequate mental health programs to diagnose and treat PTSD, and many veterans found it shameful to admit they had a problem. As a result, a good number turned to drugs and alcohol to mask their actual illness, a disease which should have fallen on the shoulders of the military and the VA to treat effectively.

You can't blame the warriors for turning to solace wherever they found it. When your mind is ravaged, nobody is helping, and red tape is wrapping around your every move, the vices are said to cut the pain and dull the senses. To each his or her own I suppose!

Things have turned the corner for the newer veterans of the latest wars and conflicts. Better diagnosis and treatments, which helps us all. Some Vietnam Vets still feel left out in the cold, as the newer vets are pushed to the front of the line, while the older vets remain queued somewhere awaiting adjudication of their cases, benefits and, sometimes I am told, treatments. That is patently unfair. While we all wish the newest breed of warrior the best in their quest for fairness in obtaining their just benefits, the "front of the line" logic has many of the older vets concerned that as they get older, their conditions will worsen before they receive the benefits they are due. I can't argue with that logic either. Many with conditions related to Agent Orange have died before the VA finally admitted that AO was a cause of their illness. Didn't help them any to have that found posthumously. The 1991 Persian Gulf Vets were hearing the same about Depleted Uranium and Gulf War Syndrome/Illness. It took until 2008 for that to be admitted as an issue!

In any case, I want to wish all my brothers and sisters a very hearty

WELCOME HOME

and thank you for your service. And to all vets and active duty out there, thank you for your service as well. You and I know where the real American spirit is. And it isn't in Washington or in a newsroom or Hollywood stage. It's in the heart of every American service man and woman and their families.

God Bless and Be Safe.

Mother's Day

On this special Sunday in May, we pay tribute and homage to Mother's everywhere, especially to our own.

Mom's are someone very special, and we only get one to go around. Sometimes children  who lose a parent for whatever reason get lucky, and get a stepmother to help carry the burden, or a foster mother who cares for them, and in them embodies a special love that you won't just find anywhere else.

My mother was a very special person. A brilliant woman, the granddaughter of a Nova Scotia fisherman and a Scottish immigrant, and the daughter of a Maine ship builder and his French Canadian spouse, she worked her way through nursing school in the 1920's when you worked long hours at a hospital to pay your way through school, then slept a few hours and went back to class, and then did it all over again. She worked continuously throughout her life, taking time off to have three children and stay with us during our early years. She was nurturing, caring, and always made sure we were clean, bathed, fed and had good manners.

My mother was the disciplinarian in the house, although it was Dad who put the Fear of God into us if we did wrong. I suppose we'd be just as afraid to offend Mom and make her sad as we would to incur the wrath of Dad. Part of what makes Mom's so special. Mom was the one to yell if I tore my new trousers, yet she would set dutifully to mend them as close to new as she could. Mom was the one who bought the clothes for the kids; Dad bought the toys and the fun stuff. I retrospect, I guess we'd have had toys, but been cold, without the concerted efforts of Mom and Dad together.

My Mom retired from nursing at age 59, having suffered a cerebral thrombosis (blood clot in the brain) about 8 years before. At age 67 Mom began showing signs of what was called Senile Dementia, although we now know for certain that Mom had Alzheimer's Disease. Alzheimer's hadn't even been known at that time; older people who exhibited memory lapses, started forgetting every day important habits were just tagged as having senile dementia, but the symptoms were all classic Alzheimer's when described today. Over the next 4 years Mom declined gradually.

At age 71, Mom died not knowing where she was or why she was there. Alzheimer's had stripped her of her life and her dignity. And nobody could even understand the disease that had taken her down that path. Actually. Mom died from complications of Alzheimer's, congestive heart failure.  I still see that small, frail, old lady, holding my arm, and somehow knowing that we were both surely wondering where my mother had gone.

You only get one Mother. Cherish her, love her, be good to her, make her proud of you and the accomplishments you make in life. She helped set the stage for your future. Go out there and be a star. That's all she ever wanted for you, to be a quality person, to have a good life and to excel in all you do. Nothing more and nothing less.

The best gift you will give to your Mother, on this, or any Mother's Day, is love and respect, and being the best person you can be. Because whether she's here to see you, or has passed on, that's all she ever wanted.

To all the Mother's out there:

HAPPY MOTHER'S DAY! 

and

God Bless    

HealthNet Violates HIPAA Again and Again And Again

On March 14, HealthNet notified many subscribers, probably close to several million, that they were affected by the loss of "several hard disk drives" containing names, addresses, Social Security numbers, health information, and financial information. In essence, just about everything anyone could want to know about you to steal your complete identity.

This severe breach of security and violation of HIPAA law occurred on January 21, yet it took until March 14 for HealthNet to mail letters out? Which arrived several days later? Seven weeks? So they allowed their subscribers identity theft potential to hang out in the wind for seven weeks, while they did nothing but probably try and cover their corporate asses?

Then to make matters worse, what do they do? Give your information to some third party you never even heard of. Debix. Not Equifax, or Trans-Union, or Experian. No, to some other outfit that they probably got dirt cheap and then gave all your private information, such as your name, address, birth date, Social Security number and God knows what else to so they can "monitor your credit." Hell, you can do that yourself, and I strongly suggest you put a security freeze on your credit reporting agencies if you are affected by this mess.

How do I know that HealthNet violated privacy regulations yet again?

Because, HealthNet "offered" affected subscribers the "choice" whether to use the services offered by Debix or not. Also, to reimburse fees incurred to attach and lift "Security Freezes" on credit reporting agencies to guard against identity theft. However, when requesting a reimbursement, I was first advised I had to go through HealthNet and not Debix. Then that I had to sign up for Debix. When I advised them I didn't want to sign up for Debix, I found HealthNet had already provided all my personal information, including Social Security number, birth date, address, etc to Debix without my knowledge or permission, whether I "signed up" or not! Another privacy breach by HealthNet!

I strongly suggest you file complaints with the Department of Health and Human Services, Office of Civil Rights because your Health Privacy Rights have been severely violated. The web site is http://hhh.gov/ocr and you will find the forms to fill out and either print and sign and mail there or e-mail.

Also contact your State Attorney general and request they file suit as has the Attorney General in Conneticut. Time the States clamp down and protect our privacy as well.

PS: Latest news says that there are 9 server drives missing and unaccounted for. NINE. That's a few more than SEVERAL!!

Cadillac GM Update

A quick update on the lack of customer service from GM. It no longer concerns me. I purchased a new BMW so I don't care what GM does from here on in, as long as we taxpayers don't have to bail them out again. Following their attitude, I'll never buy a GM product again. Sadly, I think GM stands for Get Mauled by their customer service.

I tried to come back and buy a top of the line American product, but my willingness to get kicked in the family jewels by uncaring peons sitting at a desk somewhere is beyond my comprehension and acceptance, especially since the vehicle I purchased probably paid someones salary for many months. How quickly they forget the customer when times seem to get better; how fast the car companies forget the hands that feed them, until they need a handout once again. Not unlike the teenager who refuses to help until they need money for a date, GM won't be satisfied until they need money to stay afloat. And, by then, America should hand them drills instead of plugs!

Sadly, I find out the Truth About Cadillac

I was high on Cadillac. I'll admit that. As high as anyone could be with a new car. Up there in the ionosphere somewhere, but then...then...came the big letdown. That GM doesn't give a rats' ass about the customer after you buy the car, and wishes you wouldn't bother them, and hopes to never hear from you again.

My vehicle came without a navigation booklet. The vehicle has an owners manual about an inch and a half thick, but little information on the entertainment or navigation system; I thought it was just really sparse in content on those subjects. I never knew it was a separate booklet as it's not referred to as such in the manual, but found it was difficult to determine all the nuances of the navigation system until I found a copy of it on the Internet. Many things I never knew about, and small wonder there were items I couldn't find or do. So, in order not to copy a huge document online, and try to store a sheaf of letter size paper in the car, I requested the missing booklet.

I spoke to a very nice woman at Cadillac Customer Service, who turned me over to someone else in customer service, who then informed me that for a paltry $24.95 she would send me the book. WTF? It was missing when I bought the car. That didn't matter, because they don't replace missing items, and since the dealer has done nothing to replace the booklet (I did request one from them with no help), they couldn't help without $24.95.

This is the second time I have requested assistance from Cadillac regarding issues with the navigation system, and the second time I have heard the same sad story. The first time it took about a week to finally get some action from a person at Cadillac who agreed that the navigation system was not properly updated and arranged for an update. That damned near took an act of Congress.

Having to fight for every little issue is beyond comprehension. We also bought a new BMW within 30 days of this Cadillac and the difference in service and attention to detail is amazing. Following the purchase of the Cadillac, we received several calls from the dealer and all they wanted to be sure of was that we were happy enough to give them high marks on the GM survey. Not a word since. With the BMW, we receive e-mails from their general manager, a letter from the sales person, and communication about once a week asking if there is anything they can do to assure our experience is everything we wish it to be. Plus info from BMW America to help with vehicle familiarization, etc.

Once again, good old GM "f**k you" customer service sends another customer who tried to come back to American Iron back to another foreign car. A $53,000 vehicle and they balk over a $24.95 booklet that they forgot? Fine. I've already been to the BMW dealer to seek a deal on a new car. Luckily, it's not the money, but the principle.

On a footnote, I never experienced this type of "screw you" service from Ford. Must be part of the arrogance from being bailed out with MY money, huh? We got your money and sold you a car so now screw yourself. Hmm..no, you got it all wrong, GM. Screw you, and in the future, there won't be any more bail outs for you, especially from me personally, because I won't be buying another one of your products ever again. So you better do well. Because. there's at least a half-dozen cars you won't be selling me in the future. Oh, yeah, and about at least that many you won't be selling my spouse either. Wait, did I mention the corporate business in the family? Hmm...check the right hand and notice which finger is saluting GM now!

Is it Really Time for Unity in Washington?

Talk around the water cooler, scuttlebutt it was called in the service, is that there will be more unity in Washington between the opposing parties. This allegedly due to the recent shootings in Tucson, Arizona.

Far be it from me to take lightly any hope of some sort of unity and forward movement by our elected officials, but it's so hard to believe they are taking such an outrageous act and using it as some sort of blanket truce, to tell us they are making an effort to be civil, and actually work together.

Washington thrives on division and derision, each side making the other look like fools and buffoons. Not to say that the current administration doesn't frequently look that way without any help from across the aisle. And not to say that the other side of the aisle doesn't also smack themselves with the stupid stick occasionally, and make us wonder why the hell they even open their mouths.

Unity? Actually moving forward to solve the issues that will make this country prosperous and productive again? Put people back to work and reduce the unemployment to near zero? Reduce the deficit, both at home and the trade deficit with other countries? Cut dependence on foreign countries products and energy, with a reasonable, not "knee-jerk" energy policy, that doesn't penalize ordinary Americans in favor of big business? Stop favoring splinter groups, and start listening to the majority of the American people on important issues? Cut welfare in favor of workfare, where people actually must work for money, and don't get paid for sitting at home having more children than they, or we, can afford? Stop paying for all benefits for illegal aliens, and tighten the borders so we have a secure America? Eliminate the so called "anchor baby" issue so babies born here to non-citizens do not automatically become US citizens?

No, this just isn't going to happen. Maybe I'm dreaming, but there is a left and a right in Washington and there is no centrist attitude that will allow them to meet in the center of the aisle. Unless there is a huge Pork Barrel there where all the politicians can heap their special interests in it along with a few things that really help the country along. And those special interests will offset and cost more than the good that the bills passed will do.

Finally, trying to pass off this new "unity" as a result of Congresswoman Giffords tragedy is shameful. The politicians didn't seem to want to be any more united for the twelve soldiers killed in the massacre at Fort Hood Texas in 2009. Nor for the killings of the four Lakewood, Washington police officers the same year, or for any of the other horrible incidents involving public servants or our service men and women. This is just a symbolic gesture to snow the public once again.

Sad, but with tragedy sometimes does come unity. Even more tragic is that I don't believe it comes in Washington political circles.

How Stable is YOUR Bank or Credit Union?

Did your bank or credit union suddenly start charging for things they used to provide free? Did the dividends and interest rates on your savings , Certificates of deposit (CD's) and IRA Certificates go from sizzle to drizzle? Has the offered interest rates on car and other loans rocketed while those other rates have dumped? If so, could your institution could be headed for the dumper as well?

We all know that banks are greedy. Same as credit card companies, which in the end, are usually banks. But credit unions? Those who operate on the premise to serve members? To reinvest that money to keep interest rates low on loans, and interest rates high on your savings? Well, I'd start to wonder about that when there are huge spreads in those rates among various institutions, and nobody can, or perhaps is unwilling, to explain why.

Example: I did much business with a local credit union including banking online. Then I was informed they were going to charge for banking online, the only service I actually used. The cost would exceed that of writing checks and sticking stamps every month. They explained they couldn't subsidize the costs of free online banking any longer, and had to charge the customers. Around the same time, their interest rates on savings and certificates plummeted, and interest rates on loans started climbing. The National Credit Union Administration (NCUA) which is the credit union equivalent to the banking industries FDIC had down rated the credit union from "well capitalized" in December 2008 to "adequately capitalized" in September 2009, a sign to me of potential problems. Maybe not failure now, but any downgrade is important where money is concerned. Especially with all the banks, and to a much lesser extent, credit union, failures these past several years.

Another credit union that remains "well capitalized" sponsors big dollar local events. How that affects their pocketbook, I don't know, but they too started dropping their savings and certificate rates precipitously, while loan rates started edging higher. All those big screen monitors on the walls of the branches and fancy offices, along with television commercials and sponsorship of professional sports spectaculars must cost a bundle. And that money isn't going into the member's savings accounts for sure.

To look up how your credit union is doing, check the National Credit Union Administration website at http://ncua/gov Then click on "Find a Credit Union by State" or "Advanced Search" in the upper right and go from there. If you find your credit union by State, copy the name and then go back to "Advanced Search" since you'll need to do that to get more information. When you get your credit union, click on "Call Reports" and then a date, and when that page come up, click to view the block showing "PCA Net Worth Calculation Worksheet." Lines 13 through 16 should give you some idea of changes in the overall financial health of your institution, and how it compares with others in your state and local area, or around the country should you choose to look. Go back and look at different quarters and years, to see whether it's doing better or worse than in the past.

Some institutions have "Moderately Undercapitalized and Significantly Undercapitalized" captions, so who knows where they are heading?

Just a final thought. Three credit unions within less than a ten mile radius:

A: New car loan: 1.99% for 6 years
4 Year CD with $20,000 deposit pays 2.40% annual interest.

B. New car loan: 2.99% for 5 years, 3.99% for 6 years
4 Year CD with $20,000 deposit pays 1.80% annual interest.

C: New car loan: 3.99% for 5.5 years
4 Year CD with $20,000 deposit pays 1.06% annual interest.

Big disparity... and the reasons why may lie in the wellness of the institutions? Only time will tell. Here's some interesting reading:

http://bankimplode.com/blog/category/credit-union-failures/
http://blogs.reuters.com/felix-salmon/2010/09/24/when-credit-unions-fail/
http://www.fdic.gov/bank/individual/failed/banklist.html

More very interesting reading...the UNOFFICIAL problem bank list by Calculated Risk for Dcember 2010: http://www.forextv.com/forex-news-story/forex-unofficial-problem-bank-list-increases-to-949-institutions

Bottom line is that it's your money. If you aren't looking after it, don't expect someone else to do it for you. You know, those guys in the nice offices who never seem to come out on the bottom? Them. They're looking out for Number One and you aren't even on the list!