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.
Sunday, January 30, 2011
Tuesday, January 25, 2011
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!
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!
Thursday, December 16, 2010
Pat & Oscar's ... A No Response Company
For many years, I had the pleasure of dining at Pat & Oscar's Restaurant chain in the San Diego area. The food was always a cut above, the service excellent, and it was just a fun place to go.
In the beginning, it was just Oscar's, before Oscar added his wife Pat to the name. And for all those years, it was a gathering spot for myself and my employees for luncheons, catered meetings, informal business dinners, carry-out meals and family meals. I brought clients to "P&O's" as I came to call them, because they were a great place to go. A highly responsive organization and great food.
But something changed. A recent experience soured my last perhaps fifteen or more years experience with this chain. Following what I considered a very poor take-out order, I contacted them twice via their site, and they never responded. I attempted to contact them via their office phone, which was not answered; it simply invites you to leave a message.
In short, all those years of business has come to a halt. Although they are close by, we'll no longer do business. There are way too many fast food places available to simply be ignored by a company when you have a valid complaint about an order. And, it's the first complaint in all those years.
It's not that I was unwilling to "give it another try." It's that I feel as if the company doesn't care about their customers. Nobody can tell me they don't get nor read their e-mails that originate on their own site. It doesn't go to spam. It simply tells me they just don't want to be bothered with consumer issues.
And they wonder why you don't come back? The restaurant business has long been one with a difficult survival path, with about 30% failing in the first year. Pat & Oscar's has had a remarkably successful run, and I sure wish them continued success. But I won't be one of their customers anymore.
In the beginning, it was just Oscar's, before Oscar added his wife Pat to the name. And for all those years, it was a gathering spot for myself and my employees for luncheons, catered meetings, informal business dinners, carry-out meals and family meals. I brought clients to "P&O's" as I came to call them, because they were a great place to go. A highly responsive organization and great food.
But something changed. A recent experience soured my last perhaps fifteen or more years experience with this chain. Following what I considered a very poor take-out order, I contacted them twice via their site, and they never responded. I attempted to contact them via their office phone, which was not answered; it simply invites you to leave a message.
In short, all those years of business has come to a halt. Although they are close by, we'll no longer do business. There are way too many fast food places available to simply be ignored by a company when you have a valid complaint about an order. And, it's the first complaint in all those years.
It's not that I was unwilling to "give it another try." It's that I feel as if the company doesn't care about their customers. Nobody can tell me they don't get nor read their e-mails that originate on their own site. It doesn't go to spam. It simply tells me they just don't want to be bothered with consumer issues.
And they wonder why you don't come back? The restaurant business has long been one with a difficult survival path, with about 30% failing in the first year. Pat & Oscar's has had a remarkably successful run, and I sure wish them continued success. But I won't be one of their customers anymore.
Wednesday, December 1, 2010
California's Bureaucracy is Way More Than Sacramento!
Whew. Over the past year or so, I found out just how screwed up the State of California really is. I mean so screwed up that it makes you want to vomit explosively. Especially when you realize that the lackadaisical attitude of the elected officials spreads all the way to the offices throughout the state. Yes, the same people who whine and cry that it's the "big politicians in Sacramento" who are at fault for this mess we're in." Sorry to use an expletive, but bullshit!
I have found that State offices pass the buck for not doing things that need to be done by saying they are too busy, don't have the manpower, it isn't their job, call someone else and then have phone systems that just don't allow you to make any choices at all, not even leave a message.
Example. A contractor is working with a suspended license. The State Contractors License Board enforcement unit in Norwalk indicates they actually need to physically see the contractor doing work, but won't have anyone available for three weeks to send to check the contractor out. Will he still be doing work in three weeks? WTF? The guy is doing work NOW! Get your ass out and see, and levy the fines that will fill the state coffers, protect the public against an unlicensed contractor and do your damned job. But no, nothing ever happens.
Illegal activity 1 State 0 Consumers -1
Example. Contractor is working without Workers Compensation insurance for his employees. While he states he has no employees and doesn't need to provide the State proof of a policy, he shows up for work each day with four or more workers for the job. Probably day laborers but still employees. State Division of Workers Compensation wants nothing to do with it. They only regulate insurance companies, and handle complaints against insurance companies by insured people. If this guy is uninsured, you need to go to the Labor Commission, part of the Department of Industrial Relations and let them know. We don't do that here.
Illegal activity 2 State 0 Consumers -2
Labor Commission phone system is a recording that plainly states it's not equipped to take messages. It provides you with a street address and tells you the business hours and that a Deputy Labor Commissioner is on duty. Also that you can call back and then you are done. No other options. Nobody to talk to, nobody to register your concerns with, nothing. Do they expect you to drive to the office and hope someone will actually be there to talk to you. Or, would you think that somehow, like a miracle, they might take action during this millennium? Oh, wait, the recording did say that they are not open certain days anymore since the State furlowed employees due to the budget crunch.
Illegal activity 3 State 0 Consumers -3
So, this teaches us several lessons. First is what a crap job the State is doing in many areas when you have to deal with them. Secondly, it reinforces most citizens "don't give a rat's ass" attitude about what goes on illegally since you can do all in your power and nothing gets resolved. Frankly, you're better off calling Channel 10 News investigations and asking them why these things go on like they do, and let them do the legwork if they care to.
Then we have the office that says we'll actually go out and check this situation out. It's just to appease you and they allegedly take down the information. They never do go out and when you contact them again to determine the results of their "action", they give you the cold shoulder or hang up on you. I believe that's because they think if they ignore you enough you'll simply go away. Oh, and while they have you on the phone, should you dare criticize their actions, they'll tell you what a wonderful job they are doing given the current budget constraints!
Honestly, the attitude of the State workers and the politicians here is why, in my opinion, Obama and the bunch of imbeciles in Washington got elected and some re-elected. People who can't do what is necessary to serve the people, and just let everything slide. Waiting for change.
November 2010 showed that change came. Not enough change perhaps, but some change nonetheless. Lots more is needed to dump these politicians and slackers on their butts. People are still screaming for change, and if you read the blogs, California State workers, they're screaming for YOU to get your butts booted out of your jobs, and replaced by people who will work for less money and do a better job. Most believe we could employ twice as many people for less money, reduce the ridiculously rich benefits packages, and save the State hundreds of millions to boot. Don't take my word for it, just read the blogs about the State financial conditions. Those are taxpayers' comments and those people pay your salary!
Maybe more State workers should look at and take lessons from the true public servants and quality professionals of our state and communities, our Emergency Service personnel, Highway Patrol, Cal-Fire, sheriff, police, fire, EMS, and those who lay it all on the line for the community every day, many making much less than the almost useless paper pushers who do so little to make this a better place to live. When you need our public safety professionals, they just respond. No bunch of buck passing...they just do their job. What the hell is wrong with the rest of you?
It's sad, but combined with those who want everything and contribute nothing to the system, there's is little to wonder about why we're in this financial condition.
I have found that State offices pass the buck for not doing things that need to be done by saying they are too busy, don't have the manpower, it isn't their job, call someone else and then have phone systems that just don't allow you to make any choices at all, not even leave a message.
Example. A contractor is working with a suspended license. The State Contractors License Board enforcement unit in Norwalk indicates they actually need to physically see the contractor doing work, but won't have anyone available for three weeks to send to check the contractor out. Will he still be doing work in three weeks? WTF? The guy is doing work NOW! Get your ass out and see, and levy the fines that will fill the state coffers, protect the public against an unlicensed contractor and do your damned job. But no, nothing ever happens.
Illegal activity 1 State 0 Consumers -1
Example. Contractor is working without Workers Compensation insurance for his employees. While he states he has no employees and doesn't need to provide the State proof of a policy, he shows up for work each day with four or more workers for the job. Probably day laborers but still employees. State Division of Workers Compensation wants nothing to do with it. They only regulate insurance companies, and handle complaints against insurance companies by insured people. If this guy is uninsured, you need to go to the Labor Commission, part of the Department of Industrial Relations and let them know. We don't do that here.
Illegal activity 2 State 0 Consumers -2
Labor Commission phone system is a recording that plainly states it's not equipped to take messages. It provides you with a street address and tells you the business hours and that a Deputy Labor Commissioner is on duty. Also that you can call back and then you are done. No other options. Nobody to talk to, nobody to register your concerns with, nothing. Do they expect you to drive to the office and hope someone will actually be there to talk to you. Or, would you think that somehow, like a miracle, they might take action during this millennium? Oh, wait, the recording did say that they are not open certain days anymore since the State furlowed employees due to the budget crunch.
Illegal activity 3 State 0 Consumers -3
So, this teaches us several lessons. First is what a crap job the State is doing in many areas when you have to deal with them. Secondly, it reinforces most citizens "don't give a rat's ass" attitude about what goes on illegally since you can do all in your power and nothing gets resolved. Frankly, you're better off calling Channel 10 News investigations and asking them why these things go on like they do, and let them do the legwork if they care to.
Then we have the office that says we'll actually go out and check this situation out. It's just to appease you and they allegedly take down the information. They never do go out and when you contact them again to determine the results of their "action", they give you the cold shoulder or hang up on you. I believe that's because they think if they ignore you enough you'll simply go away. Oh, and while they have you on the phone, should you dare criticize their actions, they'll tell you what a wonderful job they are doing given the current budget constraints!
Honestly, the attitude of the State workers and the politicians here is why, in my opinion, Obama and the bunch of imbeciles in Washington got elected and some re-elected. People who can't do what is necessary to serve the people, and just let everything slide. Waiting for change.
November 2010 showed that change came. Not enough change perhaps, but some change nonetheless. Lots more is needed to dump these politicians and slackers on their butts. People are still screaming for change, and if you read the blogs, California State workers, they're screaming for YOU to get your butts booted out of your jobs, and replaced by people who will work for less money and do a better job. Most believe we could employ twice as many people for less money, reduce the ridiculously rich benefits packages, and save the State hundreds of millions to boot. Don't take my word for it, just read the blogs about the State financial conditions. Those are taxpayers' comments and those people pay your salary!
Maybe more State workers should look at and take lessons from the true public servants and quality professionals of our state and communities, our Emergency Service personnel, Highway Patrol, Cal-Fire, sheriff, police, fire, EMS, and those who lay it all on the line for the community every day, many making much less than the almost useless paper pushers who do so little to make this a better place to live. When you need our public safety professionals, they just respond. No bunch of buck passing...they just do their job. What the hell is wrong with the rest of you?
It's sad, but combined with those who want everything and contribute nothing to the system, there's is little to wonder about why we're in this financial condition.
Sunday, October 31, 2010
Ethanol - And the Corn Cob Isn't the Only Part You're Getting Screwed With!
Ethanol, also known as corn alcohol, was once touted as America's road to independence from foreign oil. Turning corn into alcohol to fuel internal combustion engines, as an abundant, relatively low cost, All-American homemade form of fuel, while boosting farm output and helping America's farmers. A grandiose idea of being energy self-sufficient with clean fuel dripping from that familiar yellow ear of corn all over the Midwest. Touted as a massive, never-ending supply. Gasohol stations sprouted up in the south and Midwest with over 1000 stations selling gasohol by January of 1980, with this new-fangled, and costly fuel in pumps ablaze with bright corn symbols.
Sounds great on the surface. doesn't it? Too bad most of it is...well..bullcrap! Let's see just how the Washington bureaucrats and administration has foisted a miserable hoax on the American people, costing us billions of dollars, not only in taxes, but also in fuel costs and repairs and added to the lousy gas mileage for our cars. And, providing 7 billion dollars in farm subsidies to grow corn strictly for ethanol fuel use, which we actually have little use for. Supporting farmers is one thing but why not grow the corn for food for impoverished people?
First, let's look at the BTU (British Thermal Units) equivalency of gasoline to ethanol. According to experts, there are 116,090 BTU's of energy in a U.S. gallon of regular grade gasoline, 76,000 BTU's of energy in a U.S. gallon of ethanol. Thus, it takes 1.53 gallons of ethanol to equal the same energy output of one U.S. gallon of gasoline.
Ethanol costs approximately 57 cents more per gallon to produce than gasoline! Add that together with the fact that it takes 1.53 gallons to equal the power of one gallon of gasoline! That alone equates to 87 cents in real energy costs for every gallon you put in your tank, using only ethanol. So, if gasoline was $3.00 a gallon in real cost in California, a guesstimated price for ethanol would be $3.57 a gallon. However, to produce the same energy of that gallon of $3.00 gasoline, you would have to fill up with 1.53 gallons of ethanol at a cost of $4.59 per gasoline gallon equivalent to drive the same miles. Now do you understand how you've been conned and screwed by the ethanol hoax?
Ethanol mileage tests showed that vehicles operated on ethanol gave exactly 2/3 the mileage of the same vehicles operated on gasoline!
"The EPA measured the gas mileage of what are called E85 (up to 85 percent ethanol) vehicles on the 2006 flexible fuel models. For the 31 models they tested the average reduction is 26% fewer miles per gallon. For example a car that gets 30 mpg on regular would typically get 22.2 mpg with E85. This is exactly what is predicted from the fact that E85 has less energy per gallon than gasoline.
For these calculations, the EPA assumes that E85 costs $2.00 and regular $2.20/gallon. Obviously they are way off on the low side, especially for ethanol, but this proportion is similar to what DOE predict for the next few years. The loss in mileage more than makes up for the cost savings, and on average the EPA predicts driving on E85 will cost 23% more than driving on regular."
Ethanol is corrosive, and damages rubber and other engine parts. When it was introduced, motorists had major problems with engines that were not manufactured to allow the introduction of ethanol into the system, and seals leaked, and parts failed, necessitating expensive repairs. Lawnmowers, chainsaws, garden and landscaping equipment, outboard motors and marine engines suffered damage because of the ethanol blend. Now they have been re-designed to run with the current 10% ethanol, but not any greater percentage! But hold on...our government is allowing even more to flow into your tank!
On October 13, the EPA allowed an increase in the amount of ethanol in your fuel from 10% to 15%. The automakers, as well as 38 other groups, including environmental and others asked for congressional hearings, but were waved off and the EPA simply went through with the okay.
Does increased use of ethanol reduce dependence on foreign oil? Hell no! In the ten year period between 1999 and 2009, U.S. ethanol production increased from approximately 100,000 barrels per day to over 700,000 barrels per day. During that same time frame, our oil imports actually increased in excess of what the ethanol production was! I have heard that during the same time period, US oil exports doubled to 2 million barrels per day. That's amazing. We import more as demand grows yet we still export oil? And then provide 7 billion of dollars in farm subsidies to grow corn for ethanol to provide fuel we don't need? Ethanol production levels obviously have had had no apparent effect on oil imports or consumption.
What about pollution? The EPA admitted back in 2007 that increased use of ethanol in gasoline would increase emissions of key air pollutants, including volatile organic compounds and nitrogen oxides, by as much as 7 percent. On October 20, the agency again acknowledged that more ethanol consumption will mean higher emissions of key pollutants.
Sounds great on the surface. doesn't it? Too bad most of it is...well..bullcrap! Let's see just how the Washington bureaucrats and administration has foisted a miserable hoax on the American people, costing us billions of dollars, not only in taxes, but also in fuel costs and repairs and added to the lousy gas mileage for our cars. And, providing 7 billion dollars in farm subsidies to grow corn strictly for ethanol fuel use, which we actually have little use for. Supporting farmers is one thing but why not grow the corn for food for impoverished people?
First, let's look at the BTU (British Thermal Units) equivalency of gasoline to ethanol. According to experts, there are 116,090 BTU's of energy in a U.S. gallon of regular grade gasoline, 76,000 BTU's of energy in a U.S. gallon of ethanol. Thus, it takes 1.53 gallons of ethanol to equal the same energy output of one U.S. gallon of gasoline.
Ethanol costs approximately 57 cents more per gallon to produce than gasoline! Add that together with the fact that it takes 1.53 gallons to equal the power of one gallon of gasoline! That alone equates to 87 cents in real energy costs for every gallon you put in your tank, using only ethanol. So, if gasoline was $3.00 a gallon in real cost in California, a guesstimated price for ethanol would be $3.57 a gallon. However, to produce the same energy of that gallon of $3.00 gasoline, you would have to fill up with 1.53 gallons of ethanol at a cost of $4.59 per gasoline gallon equivalent to drive the same miles. Now do you understand how you've been conned and screwed by the ethanol hoax?
Ethanol mileage tests showed that vehicles operated on ethanol gave exactly 2/3 the mileage of the same vehicles operated on gasoline!
"The EPA measured the gas mileage of what are called E85 (up to 85 percent ethanol) vehicles on the 2006 flexible fuel models. For the 31 models they tested the average reduction is 26% fewer miles per gallon. For example a car that gets 30 mpg on regular would typically get 22.2 mpg with E85. This is exactly what is predicted from the fact that E85 has less energy per gallon than gasoline.
For these calculations, the EPA assumes that E85 costs $2.00 and regular $2.20/gallon. Obviously they are way off on the low side, especially for ethanol, but this proportion is similar to what DOE predict for the next few years. The loss in mileage more than makes up for the cost savings, and on average the EPA predicts driving on E85 will cost 23% more than driving on regular."
Ethanol is corrosive, and damages rubber and other engine parts. When it was introduced, motorists had major problems with engines that were not manufactured to allow the introduction of ethanol into the system, and seals leaked, and parts failed, necessitating expensive repairs. Lawnmowers, chainsaws, garden and landscaping equipment, outboard motors and marine engines suffered damage because of the ethanol blend. Now they have been re-designed to run with the current 10% ethanol, but not any greater percentage! But hold on...our government is allowing even more to flow into your tank!
On October 13, the EPA allowed an increase in the amount of ethanol in your fuel from 10% to 15%. The automakers, as well as 38 other groups, including environmental and others asked for congressional hearings, but were waved off and the EPA simply went through with the okay.
Does increased use of ethanol reduce dependence on foreign oil? Hell no! In the ten year period between 1999 and 2009, U.S. ethanol production increased from approximately 100,000 barrels per day to over 700,000 barrels per day. During that same time frame, our oil imports actually increased in excess of what the ethanol production was! I have heard that during the same time period, US oil exports doubled to 2 million barrels per day. That's amazing. We import more as demand grows yet we still export oil? And then provide 7 billion of dollars in farm subsidies to grow corn for ethanol to provide fuel we don't need? Ethanol production levels obviously have had had no apparent effect on oil imports or consumption.
What about pollution? The EPA admitted back in 2007 that increased use of ethanol in gasoline would increase emissions of key air pollutants, including volatile organic compounds and nitrogen oxides, by as much as 7 percent. On October 20, the agency again acknowledged that more ethanol consumption will mean higher emissions of key pollutants.
On a personal note, we had a gasohol station in Florida that dispensed this wondrous concoction to the public without warning of the consequences of use. Seems that someone, somewhere, believed that high ethanol concentrations would be fine in cars. Much like a physician failing to warn you of the dire consequences of a new prescription, vehicles quickly stopped running as fuel filters clogged, rubber gaskets started leaking, carburetors became inoperative and the local repair shops were overwhelmed with repairs. Seems the gasohol was a poor fuel, but a wonderful solvent that ate everything in sight! It scoured the gas tanks so clean that all the gunk was dissolved into the fuel lines and clogged the filters. Either you had to drain the tank of 20 gallons of gas, or change the filters numerous times until all the gunk was out of the tank and lines. Then the gaskets in the carburetors needed changing, the rubber gas lines from tank to steel lines needed replacing, any under hood rubber lines containing fuel needed replacement. Lots of dollars lost here. And the gasohol station? It became a no-name regular fuel station quickly no longer selling gasohol. The end of the corn fuel history in my area.
Bend over, folks. That corn cob isn't done with you yet! The increased percentages of ethanol will obviously create problems for your cars and other power equipment. The bad noises you hear from under your hood are just your cars way of telling you that those people in Washington don't have your welfare at heart, unless you're on welfare that is. The noises will get louder and no, you can't take the repair bills off on your taxes either. Thank the EPA and the current administration for that.Thursday, October 28, 2010
The Elections Are Almost...Over..Will the Trash Be Picked Up?
Every time we have elections, the candidates seem to think the more paper, and card stock signs they can plant all over, the better chances they have of being elected. Well, frankly, I don't see it that way. I see it as a blight on the streets of America and a mess that is seldom cleaned up immediately after election day.
For example, several days ago, I was driving on beautiful Pacific Coast Highway in Carlsbad, California when all of a sudden there was a blight of signs. They were blocking the view of traffic coming down a particularly bad intersection, where one road enters another. The signs were literally one on top of the other, as each candidates helpers jammed their sign as close to the other candidates sign, either to block it from view, or to get as much view for their own as possible. Take your pick, but what really occurred is they blocked the motorists' view, and created a traffic hazard! In about a half mile stretch of that beautiful road were hundreds of signs for candidates. It's almost as if one sign is planted and others grow up immediately along side of it!
On fences, on sticks, posts, poles, walls, anywhere they can be fastened, it seems they show up. On lawns and trees (if they don't get caught) and even attached to homes, the signs stare out hoping you'll vote for some candidate for a particular office, many of whom you have never heard of before. Or whom you have already passed over in the voter guide. Or whom you now wish you had never heard of, perhaps!
Then comes the election. And it's over. And the signs remain, although it's now illegal and subject to fines if the signs are nor removed within a certain number of days following election. But what happens? It seems the energy of the campaigns becomes drained and people now don't have the energy to go around and remove all the signs. Or don't remember where the last hundred or so signs were placed. And so, since it's illegal to remove another person's signs, they remain as a blight, and you curse the winner or loser, as the case may be, until the winds and rains wash away the vestiges of yet another election.
And you wonder why Election Day is so close to Halloween? Hmm...just watch the ads, the lies, the half-truths, the smears, the innuendos and how the candidates act, and you can see why some intelligent soul decided that placing it close to a day that commemorates the dead was such a good idea! Spooky to say the least!
For example, several days ago, I was driving on beautiful Pacific Coast Highway in Carlsbad, California when all of a sudden there was a blight of signs. They were blocking the view of traffic coming down a particularly bad intersection, where one road enters another. The signs were literally one on top of the other, as each candidates helpers jammed their sign as close to the other candidates sign, either to block it from view, or to get as much view for their own as possible. Take your pick, but what really occurred is they blocked the motorists' view, and created a traffic hazard! In about a half mile stretch of that beautiful road were hundreds of signs for candidates. It's almost as if one sign is planted and others grow up immediately along side of it!
On fences, on sticks, posts, poles, walls, anywhere they can be fastened, it seems they show up. On lawns and trees (if they don't get caught) and even attached to homes, the signs stare out hoping you'll vote for some candidate for a particular office, many of whom you have never heard of before. Or whom you have already passed over in the voter guide. Or whom you now wish you had never heard of, perhaps!
Then comes the election. And it's over. And the signs remain, although it's now illegal and subject to fines if the signs are nor removed within a certain number of days following election. But what happens? It seems the energy of the campaigns becomes drained and people now don't have the energy to go around and remove all the signs. Or don't remember where the last hundred or so signs were placed. And so, since it's illegal to remove another person's signs, they remain as a blight, and you curse the winner or loser, as the case may be, until the winds and rains wash away the vestiges of yet another election.
And you wonder why Election Day is so close to Halloween? Hmm...just watch the ads, the lies, the half-truths, the smears, the innuendos and how the candidates act, and you can see why some intelligent soul decided that placing it close to a day that commemorates the dead was such a good idea! Spooky to say the least!
Sunday, October 3, 2010
Delta In-Flight Entertainment...NOT
On a recent Delta Airlines flight from Minneapolis to San Diego, passengers were treated to a new type of in-flight entertainment. Well, not actually new, since the silent pictures preceded the talkies for many years.
Problem here was that for a three hour and six minute flight, there were no headsets handed out either because the airline didn't stock them for the flight, or as the flight attendant noted, some aisles didn't have connections for the headsets. WTF? So if some couldn't listen, the idea would then be to have the rest of the almost 200 passengers look blankly at the pop-down screens in silence because we also could not listen, although our rows worked? For three long hours the screens showed what appeared to be television programming of some sort in silence.
Of course, this was aboard a MD-90 jet where many of the passengers were too busy trying to get warm or cool, depending on the moment, since those aircraft are notoriously horrible for maintaining decent cabin temperature levels. That has been the case since the DC9-31 and 51 series of which the MD-80 and MD-90 are variants, and simply newer models in my opinion.
Strangely enough, there was a gate change for this flight and when on board, the flight attendants began making excuses for the lack of luggage space on the plane, saying it was because of the gate change, etc. What the hell does a gate change have to do with a change in luggage space? It's the same type plane and the same seat numbers and seat configuration we booked 5 weeks before! It's absurd to think that moving a plane between gates somehow changes the luggage space! So passengers had no place for their luggage and it took extra time to depart because bags had to be checked. I do have to say the plane arrived on time.
Speaking of seats, our seats were not the correct seats for their placement in the plane. They had trays that swung out of the arms and we were not in exit rows or in the first row of the cabin. The center heavy metal trim piece was loose and hanging and could be lifted off; great in an emergency to have flying loose in the cabin.
It's always good to be on solid ground, better to be off anything that resembles a DC-9 and sadly, glad not to be flying Delta, whom I used to fly so regularly. Comparing the outbound trip via United to the inbound via Delta was like day and night. And I sure saw the light in this trip!
Problem here was that for a three hour and six minute flight, there were no headsets handed out either because the airline didn't stock them for the flight, or as the flight attendant noted, some aisles didn't have connections for the headsets. WTF? So if some couldn't listen, the idea would then be to have the rest of the almost 200 passengers look blankly at the pop-down screens in silence because we also could not listen, although our rows worked? For three long hours the screens showed what appeared to be television programming of some sort in silence.
Of course, this was aboard a MD-90 jet where many of the passengers were too busy trying to get warm or cool, depending on the moment, since those aircraft are notoriously horrible for maintaining decent cabin temperature levels. That has been the case since the DC9-31 and 51 series of which the MD-80 and MD-90 are variants, and simply newer models in my opinion.
Strangely enough, there was a gate change for this flight and when on board, the flight attendants began making excuses for the lack of luggage space on the plane, saying it was because of the gate change, etc. What the hell does a gate change have to do with a change in luggage space? It's the same type plane and the same seat numbers and seat configuration we booked 5 weeks before! It's absurd to think that moving a plane between gates somehow changes the luggage space! So passengers had no place for their luggage and it took extra time to depart because bags had to be checked. I do have to say the plane arrived on time.
Speaking of seats, our seats were not the correct seats for their placement in the plane. They had trays that swung out of the arms and we were not in exit rows or in the first row of the cabin. The center heavy metal trim piece was loose and hanging and could be lifted off; great in an emergency to have flying loose in the cabin.
It's always good to be on solid ground, better to be off anything that resembles a DC-9 and sadly, glad not to be flying Delta, whom I used to fly so regularly. Comparing the outbound trip via United to the inbound via Delta was like day and night. And I sure saw the light in this trip!
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