Cap and Trade or Cap and Tax

By S Porter

The Obama administration is now pushing its cap and trade bill through congress. It sounds harmless enough, but the effects it will have on middle class Americans is staggering. There seems to be a never ending battle to take more and more of your money for all of the projects the current congress has slated, but this one will impact your wallet in a way most people never saw coming. Global warming, global cooling or climate change all mean the same thing; get ready to pay. Global temperatures have gone down for the last three years and most Americans no longer believe the hysteria, but that isn’t going to stop the government from implementing sweeping reforms that put you on the hook.

Cap and trade essentially puts a cap on the amount of carbon dioxide that any company can produce. The problem is that the biggest offenders are power generation facilities that we all get our energy from. They well exceed the limits that congress would like for them to stay under, so they will need to pay a hefty tax for everything they produce beyond the cap. I’m sure this sounds like a great idea to the extreme environmentalists out there, but power companies aren’t just going to pay the tab. In order to remain profitable, they will need to pass that expense on to their customers and we will end up paying for their extra taxes.

We the people don’t have a choice in what company produces the energy that we use in our homes, so this new tax will hit us square in the face. It’s still far too expensive to convert everything we use to renewable energy, so the power bill will go up considerably. The standard rate for electricity and natural gas is expected to double in the next couple of years, and it will come strait from us to the power company, then to the government. Everything we use and buy in the United States is produced using power and shipped around using power, so the cost of everything else will rise along with it. The government knows this is going to happen and they say it’s acceptable because it will FORCE us to use less, but should the government really be telling US what to do?

For years the hype over global warming has had major repercussions in our way of thinking. A recent poll showed that three out of five children now believe the world will no longer exist when they grow up. Scientists have told us that major sea level rise and melting polar ice caps would devastate our shore lines and make the earth unlivable, but then the earth began cooling again and nothing happened. Obviously we don’t know as much about how these things work as we would like to think we do, but the government is going to bankrupt us based on a guess. Over the last several thousand years, there have been times when the world was MUCH hotter and much cooler; but here we all are thinking the end is next week.

The government, the people and companies are all out of money, but we keep getting squeezed for more. Healthcare reform will bankrupt us because the government won’t use free market solutions like Ameriplan. Social security will bankrupt us because the government won’t make tough decisions. Inflation will kill us because the government just keeps borrowing more money, and now cap and trade has come along to put the final nail in our coffin. At some point the people of this country are going to have to stand up and say enough is enough; we tell you what to do and how much to spend, not the other way around!

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5 Ways YOU Can Fix the Economy

By S Porter

1. Go on a date. Most people overlook the little things that people can do to improve the economy around them. Your community thrives by money flowing from person to person and an economic downturn happens when that stops. You may not have the money to go out and splurge on the big ticket items, but any amount of money flow goes a long way if everyone is doing it. Reconnecting with your spouse through dinner and a movie will also stimulate more than just your local vendors!

2. Go on vacation. President Obama recently said that taking a trip to Las Vegas is irresponsible when the economy is down, and that immediately put thousands of people in Las Vegas out of work. Travel and tourism usually takes the biggest hit when things are bad, but that also means they are offering great deals for anyone who wants to take a trip. Vacation costs more than a date, but not as much as it usually does and you may be saving a few jobs all by yourself. If you have the money to get away there isn’t a better time than right now, and you can do it for a good cause as well.

3. Buy something from another person. Many people need to downsize their own household right now, so they are trying to sell a lot of things they don’t really need. You can but these items for unbelievable prices and you will be helping them out at the same time. They say one man’s trash is another man’s treasure; and with the economy down right now, you may be helping them pay their mortgage this month. Some people feel bad when they see someone selling personal items because they need the money, but I see it as initiative to survive. Doing whatever it takes to meet your obligations is a valuable skill that more people should learn, and they will be stronger when they come out the other side.

4. Invest in something. Stocks have been down at levels we have not seen in more than a decade. If you are a long term investor, you won’t see a better situation for decades to come. No one can tell you if the stock market is done going down or not, but if you are investing for the long term; I can tell you with 99% certainty that the stock market will be higher in ten years. Many businesses out there are good companies that need your investment money to grow and expand, and ultimately, to hire new employees and pay more in taxes.

5. Start a business. This is the all time number one thing anyone can do to help the economy and everyone around them. When the economy is down, large companies are laying people off and small business is doing all of the job creation. I chose to start an Ameriplan dental business, because it helps people with high healthcare costs and it allows me to generate an extra income for my family. If your business has a strong base, you can begin to hire new employees and help provide for their families as well. Businesses provide the majority of economic growth, and the big businesses of tomorrow are starting right now.

Saving money isn’t a bad thing; in fact it’s a necessity for any responsible family to do to ensure a good quality of life. The problem occurs when everyone stops spending all together and starts saving everything they have. Businesses can’t survive in this climate so they begin laying people off and the downward spiral continues. Giving to charity and helping the poor is a noble cause; but unless we all begin to spend something again, we will all need someone else to donate to us! Get out there and help your community and your fellow Americans, by doing something for yourself.

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Government Motors and the Death of the Free Market

By S Porter

When the government interferes with the free market, the results are never good. The same progressive steps have happened repeatedly over the course of our history and yet we do them over and over again. Now we are running down the same path; determined that this time will be different. General Motors is the latest pawn in the game for who has best ideas to run our economy, but the fundamentals of the free market have been thrown out the window. Over 35 years ago, Amtrak was the government pawn and the talk was about making it profitable in less than 3 years so we didn’t lose the passenger rail system. Today we still own Amtrak, it’s still losing money, and the government has prevented any competition from taking them down.

Normal free market operation happens when a company produces a product or service and based on its merit, we the people purchase what it sells because we like it. The company must be run well and as demand for what they sell rises, other companies will compete for your dollars. This competition will keep prices low and quality high to attract your attention. If the product becomes unpopular, too expensive or the company is run badly; the business will die and be replaced by something you will spend your money on. This is the natural business cycle that is propelled by YOU; the free market.

GM has been deemed too big to fail, and the government has stepped in to try to save the thousands of jobs that depend on the automakers success. Unions have driven up the price of labor along with legacy costs in the billions to pay workers who have long retired. The result is a company that cannot sustain its own weight, and for a long time GM has spent more money on labor than the car itself. We the people like the cars they make and we really enjoy our SUVs, but the company is so badly run at this point that it has no hope of survival. The government took billions of your money and gave it to GM to keep them in business, but that won’t stop the ship from sinking under its own weight. GM has declared bankruptcy anyway, and now the government is getting even more involved. The white house has fired their executives, is now limiting their compensation terms and even dictating what kind of cars they must build. The government can’t tell a company how to be successful; YOU do with your dollars. GM didn’t produce these cars before because we didn’t buy them, now they don’t have a choice.

Ford should be the big winner in this situation, but the government will make them the big loser. They didn’t need bailout money because they are a good company and their cars are popular around the world, but now they must pay to keep their competition in operation with their tax money. The government is telling GM to produce cars that we don’t want to buy, so it will be a black hole for years to come. In an attempt to make them profitable, the government will change the rules of the game in GMs favor by giving you incentives to buy their products. Tax deductions and green standards will make GM’s cars cheaper to buy, all while penalizing Ford for being a profitable company. In the end, no company can compete with a government entity because the government can always tilt things in their favor. Every private car company will be driven out of business by Government Motors because it’s the only way GM can compete and you will pay the tab for all the loses. The government can’t tell you what to buy, but they sure will try.

Rather than letting bad banks fail and good banks succeed, the government has disrupted the financial industry and produced the opposite. Now the government is getting involved in the energy sector and deciding for you what types of energy you should buy and shouldn’t. Rather than allowing free market solutions to healthcare like Ameriplan and other health plan alternatives, the government created public plans in Medicare and Medicaid which have raised healthcare prices through the roof. The next step will be to expand the public healthcare system and eventually put 2.3 million people in the insurance industry out of work. This type of economic “justice” is socialism no matter what they try to call it, and it will ultimately cost your freedom of choice, your tax money, your opportunity for success and eventually your job. The free market dies a little more each day and leaves many of us wondering; which industry will the government try to “save” next?

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The Inflation Nation of the Next Generation

By S Porter

Most people don’t think about inflation and don’t have any idea how it affects our lives, but the implications are very real. Inflation is the process by which all the goods and services that we purchase become higher in price. If inflation goes up at a faster rate than wages, more money is leaving your wallet to buy all the things you need than your income can keep up with. There are three reasons why inflation goes up and we usually have only one of them at a time, but right now there is a perfect storm brewing that may seriously hurt us all. Knowing what causes inflation and what to expect can help us prepare for the inevitable.

The first reason for inflation is debt. When the United States needs to borrow money from another country like China, the value of our dollar goes down compared to their currency. We buy many things from China and lots of the things we make and use are built with Chinese parts. If the dollar is worth less in China, then all the things we buy from them go up in price and all of the things we make with Chinese parts go up in price as well. We have been borrowing money from China for many years, but right now we are about to borrow huge amounts of money all at once.

The second reason for inflation is printing more money. It is the most dangerous and it is the next step in paying for our huge government spending spree. Many people think that if the government needs more money they can just print it, but this is a huge mistake and only used as a last resort. The country’s total production has a particular value and it is divided up amongst all the currency that is in circulation. When you print more money, you don’t have more money; you have the same value divided up amongst more currency so it all goes down in value. This makes the cost of everything go up even though your wages aren’t, and when we print more money the cost goes up almost instantly.

The third reason for inflation is the most common and happens on a regular basis when the economy is recovering and going up. When the economy is going down or crashes like it did recently, manufacturers quickly cut production to meet the lower demand. As the economy recovers, people have more money to spend; but there aren’t enough products to meet the demand. This makes the value of those products go up because they are more valuable. If you want to buy a new car, and so does everyone else, the value of the car goes up because they aren’t making enough cars to meet the new needs. We usually keep this kind of inflation in check by raising the interest rate to borrow money; this slows people’s spending down and the rate of inflation slows down as well.

Rather than pushing free market solutions to healthcare like Ameriplan and other discount plans, or providing lower taxes so people can purchase their own health plans; the government has elected to spend more money on healthcare reform. Other entitlement programs and massive bailouts for failed companies have caused the government to spend almost twice as much as it brings in. China will lend us huge sums of money, but it isn’t enough so we will need to print a lot of money as well. At the same time, banks are being encouraged to lend us more money at very low interest rates. All three inflation causes are being exploited at the same time and the perfect storm is coming. Over the next few years the cost of everything you buy from gasoline to groceries will rise in value very quickly but your wages will not… if you aren’t already a victim of unemployment because of an unfriendly business environment due to rising taxes needed to pay for all of this. Plan ahead and don’t get caught unaware of what’s on the horizon! Our children and grandchildren will be feeling the effects of this for years to come.

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Chiropractic for the Body, Not Just the Back

By S Porter

When most people think of chiropractic they think strictly of back and spine problems, but the truth is most problems with pain are associated with the alignment of your entire skeletal system. A pain in your foot can be caused by misalignment in the spine, and a pain in your neck can be caused by a problem in your lower back. An injury involving a muscle anywhere in your body will display itself with pain in the entire surrounding region. A bone injury will have similar consequences, but you may feel the pain in a completely different area of the body. Injury can also happen slowly over the course of time, instead of all at once like most people are used to.

Chiropractic has been around for a very long time in one form or another, but the chiropractic profession as we know it hasn’t been around for very long. We have always known that the back and spine is the core of our ability to move and bend, but we are only now learning that pain all over the body can be affected by every other muscle and bone in the body. Chiropractic is not a quick fix though, it can take several sessions and many weeks to fix a problem that’s been brewing for a long time. Hunching over a computer all day for years or driving a truck while spending the majority of your time in the cab will slowly change your body to fit that form. You may not even realize it’s happening until one day you notice that your range of motion has become limited.

Depending on the doctor you see, a different treatment will be recommended. A physician will prescribe drugs, a surgeon will cut you open and a therapist will want you talk about your mother, all for the same problem. If you know that your injury is a muscle or bone problem, then a chiropractor is just what you need. For a problem you can’t identify see your doctor first, and then go to a chiropractor if the problem is related. Your chiropractic professional will want to see you more than once, depending on your problem it may be many visits. You may find that a chiropractor can fix problems you didn’t know you had and will make you feel better than you have in years.

Alternative medicine is treatment that isn’t completely accepted by the medical community and chiropractic falls under that heading. It has become much more main-stream over the last decade, but if you ask ten doctors their opinion of chiropractic you will get ten different answers. Everyone agrees that there are benefits to using a chiropractor, but the extent of the benefit is what is debatable. Because this type of treatment is still in limbo, regular health insurance is reluctant to allow people to use it at their discretion. Ameriplan chiropractic or a payment arrangement with your chiropractor will allow you to get your treatment after health insurance has stopped paying for it.

As time moves on, chiropractic will become more part of everyone’s life and less a part of alternative medicine. If you have never seen a chiropractor before, you may find that seeing one is far less intimidating than going to a doctor or hospital. Chiropractors are friendly individuals that can help fix you up and you will enjoy your appointments with them. A very good friend of mine is a Denver chiropractor and I have always appreciated his views on healthcare. Now that I am familiar with chiropractic care, I can’t see a healthcare system without it!

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The Demise of Social Security

By S Porter

Social security in the United States began in 1935 with the social security act signed by President Roosevelt. The idea was a noble one, and the elderly applauded the idea of economic security after their working years were finished. Over the years many changes have been made to social security, but the idea of taking care of the older portion of the population has stayed the same. The funds set aside for retirement have been shifted around and used for different things over the years, but the government has always tried to have reserves in place to continue to take care of retirees regardless of what happens with the economy. Today we are at a crossroads with the program that may lead to its demise if we don’t do something immediately.

There are opposing views to the need for social security that are as old as the program is. One side of the debate claims that the needs of the elderly cannot be ignored, but the other side sees the program as a move toward socialism. Capitalists claim that social security is a program provided by a government that doesn’t believe its people can take care of themselves. That the government takes a portion a person’s wages against their will, only to return it years later because the person is too irresponsible to save the money themselves. If wage earners were to take the same amount of money from their own paychecks and put it in a savings account, or invest it; the return at retirement would be almost twice as much as the government gives them for social security.

Today, the program is bankrupting the country. Years ago the government began using the funds collected for social security for other things and now relies heavily on the working population to pay for the needs of retired Americans. The pay as you go system seemed to work for a long time and freed up funds for the government to do other things, but the lack of future planning has now put the program in serious jeopardy. The baby boomer generation is reaching retirement age; which means there will be more retirees and a smaller work force to support them. New projections show that social security will pay more out than it brings in by 2017.

Medicare is facing similar problems, but it is much further along. The government already pays out more than it brings in and estimations show that the country will not be able to afford it at all by 2020. Ameriplan offers an alternative to government healthcare at an affordable price, but there isn’t an alternative to social security besides people saving for retirement on their own. Environmental initiatives and other entitlement programs threaten to bring bankruptcy ever closer, and the economic downturn is speeding the process up.

The government is considering many solutions to the problem, but no one solution will make everyone happy. Raising the retirement age from 65 to 72, or lowering the amount of benefit checks are both being considered. Either way, we can’t continue on the path we are on for much longer without risking the complete collapse of the social security program. People in younger generations are already being taught that their retirement security is in their own hands and many have begun saving on their own. No one wants to see the elderly lose the support they need to live out their golden years, but we would all be better off if we just accept that we can’t rely on the government forever.

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The Traditional Wedding Photographer Makes A Comeback

By S Porter

For the last several years, the photography industry has been in a very steady decline. There are many different factors that have caused this, but the bottom line is the same; thousands of businesses have gone under. The very idea of starting a photography studio that does weddings and senior pictures is a little crazy right now. The market works in cycles and eventually there will be a demand for these services again, but when? Until then, most people who want their wedding photographed by a professional have two choices; have Uncle Fred do it or pay thousands of dollars for someone who fancies themselves an artist.

Six years ago, digital cameras really moved into the mainstream and people began to ask their family members and friends to photograph their weddings. With film leaving and being replaced by memory sticks, most people really thought that they could do it on their own and save some money. After all, can’t you move people where you want them and hit a button? If you don’t like the picture you’ve taken, you can always just delete it and take another without losing a frame like you did with film. The simple fact is, you can hand a chisel and hammer to anyone and teach them how to use them, but that doesn’t make them a sculptor.

Cameras are everywhere now; in our phones, hovering over every street intersection, on the dashboard of every police car and inside every public building. The fact that they are so common now has had a very interesting effect on the photography industry. Years ago when it started, people thought they could take their own photographs because they could afford a good camera like the professionals. Time has passed and like the hammer and chisel, people have begun to realize that they are not photographers; they are just people with cameras. The traditional photographer is now making a comeback because we’ve all seen how bad our own pictures are, and we don’t want our wedding pictures to look like that.

The recent economic downturn has changed all of our lives dramatically in a short period of time. During this part of the economic cycle, people stop valuing money as much and reconnect with the important things in life; family, friends and memories. When the economy is down, weddings and childbirths go up. This has created resurgence in the photography industry as people are looking for a professional who doesn’t charge a months salary. There aren’t very many of these professionals around anymore, but supply and demand dictates that this hole will be filled as more people need it.

If you are looking to get married or just need to have some pictures taken of your family, don’t make the same old mistakes. Hire a professional and preserve your memories the way they were meant to be, by someone who knows what they are doing. “I have seen a huge slow down in business, but it seems to be building up again”, says Harold Porter, a Colorado wedding photographer. Weddings are on the rise and wedding photographers are going up with them, but a complete recovery may be years away. The people who love to take pictures and are good at it today may be photographing your wedding a few years from now!

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Denver Wedding Photographer Announces Copyright Free Picture Releases

By S Porter

All Pro Portrait Studios is announcing the release of copyrighted material to its customers.  This will allow all wedding photography customers to reproduce their wedding pictures at will for anyone they want.  In the past, customers needed to purchase all pictures from the photographer because the photographer owned the copyright.

 Customers will now receive a CD or DVD with all the photography taken at their wedding.  These pictures are copyright free and can be emailed to family members or taken to any photo shop for printing.

 There are many Colorado wedding photographers in the market, and holding the rights to the pictures they take has always been the norm.  Owing the rights to their work protects them from people taking their pictures to another studio and not paying the original photographer for his or her work.

 All Pro Portrait Studios now offers several price packages that include a set amount of time at the wedding and reception, along with a particular amount of sized and printed pictures.  When the pictures are delivered, a CD or DVD with all of the retouched pictures on it will be included with no additional obligation to the photographer.

 ”People have always wanted to own the rights to their wedding pictures and it’s always been a point of contention between artist and customer.  With digital pictures it only seems right to allow people to share them with family members”, says Harold Porter, a Denver wedding photographer.

 All Pro Portrait Studios has been operating in the Denver Colorado area for more than 27 years.  Offering competitive prices and the highest quality photos have always been the cause for their success, but digital pictures have changed the entire photography industry and left many studios looking for ways to stay in business.

 Wedding packages begin at $599 and go up to $1499, with an engagement session costing only $50.  All packages include an album full of pictures and the CD with all of the originals.  The wedding will be photographed by a seasoned professional with years of experience in the field.

 The future of photography is in digital images that can be shared with family and friends all over the world in seconds.  Film cameras and copyrights may disappear in the near future, but there will always be a need for a professional to capture the moment the way it should be remembered.

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Ameriplan Launches New Basic Wellness Program

By S Porter

Ameriplan USA is announcing the launch of its new basic wellness program that will replace basic health. Basic wellness is a package of benefits meant to fill in the gaps left by limited health insurance plans offered by employers. Vision, Prescription and other benefits that have been cut by these insurance plans are included in the package.

As health insurance has become increasingly expensive, more and more employers have decided to cut back on the level of benefits they offer their employees. Higher deductibles, limited visits and decreased services are all being used to cut costs. Many people are now left without these benefits and are forced to pay full price out of pocket when they need them.

Supplemental benefits are easy to ignore when you aren’t using them. Vision and prescription are often overlooked until they are needed, but by then it’s too late. Hearing services and Nurse line are also part of the package.

Everyone needs to take care of their eyesight, and prescription medications are inevitable at some point to heal an ailment or help lower cholesterol. Good hearing is just as important and nurse line can help give you advice about when a trip to the doctor is in order. We all need these services occasionally, but without these benefits the cost can become very high.

“I have insurance from my employer, but it’s a very limited health plan that doesn’t include any extras. Getting a discount on these services would be very helpful to keep my cost out of pocket as low as possible”, says Tom Nordquist, a part time employee.

Ameriplan insurance is a 17 year old company that offers discount fee for service programs at a low cost to its members. 2 million members nationwide and over half a million providers are all part of the Ameriplan network. Health, Dental, Vision, Prescription, Chiropractic and other programs are also available.

Basic wellness includes vision, prescription, hearing services and nurse line. The cost of the program is $14.95 per month and includes every person who lives in your household, even if they are not family members. This program has replaced basic health which is now being phased out of Ameriplan permanently.

Soon Ameriplanusa will launch Secure Net, a package of benefits that include many services often overlooked in our lives. Identity theft assistance, Auto club and other benefits are badly needed by all of us, but we rarely consider them until someone has already stolen our credit card or we are broken down on the side of the road.

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Are You Happy With Your Smile

By Frank Menkal

How important is our dental care anyways? Well for starters if you smoke or chew tobacco, you have a greater risk for gum disease and oral cancer. Men are affected twice as often as women, and 90 percent of oral cancers occur in those over 45 years of age. Studies have also shown that diabetics are more susceptible to the development of oral infections and periodontal disease than those who do not have diabetes. To prevent problems with bacterial infections in the mouth, your dentist may prescribe antibiotics, medicated mouth rinses, and more frequent cleanings.

What are my options when it comes to dental plans? Well let me tell you, typically when it comes to dental coverage, most would take care of their dental needs through there job or even from an insurance provider, for a small monthly fee of course. But these days, that is far to impractical, with the development of great discount plans now widely available, one could save “Hugely” with this type of plan!

Here are some examples of your typical dental insurance plan vs. your dental discount plan and the kind of money a family could be saving. First of all, when it comes to your dental insurance offered through your employer, the monthly fees are much smaller when your not buying the converge on your own. . This is due to the fact that your employer pays most of the monthly cost passing the savings on to you! What you don’t realize is that in the end, the typical family pays more on a yearly basis.

Let me tell you that most families only go to the dentist when they need to. If your only going to the dentist when your teeth are in trouble, instead of getting your regular check up’s and teeth cleanings twice a year, those monthly fee’s add up to quite a bit when your looking at it on a yearly basis. When members of your family do make it to the dentist, they come to find out that not all procedure are covered and the paper work may get out of hand! In the end the insurance company wins making your family the losers (I’m just telling it how it is folks):

Now when it comes to picking a great discount plan, there are many options out there. Among these plans, I found that after doing some digging, that Ameriplan offers a plan that one would need in order to save more on a yearly basis On top of their discount dental program, you would automatically receive discount vision, discount prescription and discount chiropractic. To give you an idea on how your family would save more money with this type of dental program, all you need to understand are the basics about how it works.

First of all, anyone can sign up for this dental program and the monthly costs are fifteen dollars for and individual and twenty dollars for an entire house hold. Secondly, when you do decided to make an appointment for that mean tooth of yours, you get the discounted rate at the time of the appointment. Meaning, no wasted high monthly insurance cost when your family is not using the plan. I also found that when you do pay for all your treatments, most if not all are discounted up to eighty percent, “Wow”! If you ask me, this plan is worth looking into.

Other Facts that you might have not heard until now! 50% consider the smile the first facial feature they notice, and 80% are not happy with their smile! Maybe if you had the right motivation with the right dental program, your family would not just be another average statistic. Smokers remain three times more likely than non-smokers to lose all their teeth. This figure has not changed from a decade ago. “Yikes” if you smoke, one should consider the future and how not taking care of your teeth could really affect you later in life!

If you are a person that is concerned about not being a part of that 80% of people that are not happy with their smiles, I would highly recommend getting enrolled in a discount dental plan like Ameriplan. For only a small fee a month you can be on your way to a healthier smile without having to pay and arm and a leg for it! Dental care can get expensive but thanks to companies like this we now have an outlet to save money on our smiles!

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