Our American Society is Now All-Black, 24-7, a Cultural Shift

by Kelly R. Smith

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Martin Luther King and Barack Obama
Martin Luther King and Barack Obama

As the COVID-19 pandemic rolls along so does another social phenomena — the machine that is the Black Lives Matter (BLM) movement and their partners, Antifa. It might seem like this is a recent development, but in fact, it has been fomenting for quite a while.

Long before white people were only acceptable if they were “woke,” and you might notice that’s woke not awoken or woken up (incorrect grammar is NOT cool), things were not as revisionist history portrays it today.

Which Party is Socially Progressive?

That’s a good question and one that has been decided. The Democrats are for the crazy stuff (does the New Green Deal strike a nerve?). It should. The spearhead are the so-called Democrat Socialists, people like Bernie Sanders, Alexandria Ocasio-Cortez, Ilhan Omar, Ayanna Pressley, and Rashida Tlaib. Just prefixing democrat to socialist doesn’t change anything. Socialism is Socialism.

It’s true that people like Nancy Pelosi, Chuck Schumer, and Joe Biden are still wandering the halls but they are not leading anymore. They’re mouthpieces and fund-raisers.

The term progressive is misleading anyway. Returning to Marxist ideology and Saul Alinsky mob tactics is not making progress. Job growth, prosperity, and a renewed military presence under the leadership of President Trump is progress.

Enter Black Lives Matter, Colin Kaepernick, and Antifa

All the rioting, burning, and looting have very little to do with the death of George Floyd, although that was clearly a tragedy. The chaotic domestic terrorism is a means to push a social agenda. Part of that agenda, from blacklivesmatter.com, says, “We disrupt the Western-prescribed nuclear family structure requirement by supporting each other as extended families and “villages” that collectively care for one another, especially our children, to the degree that mothers, parents, and children are comfortable.”

Sound familiar? It should. Disrupting the family unit and transferring allegiance to the central state is what the Soviet, Chinese and North Korean communists did too. How did that work out?

Colin Kaepernick entered the game focused on shining a bad light on the police when he showed up to football practice wearing those cute cops-are-pigs socks. There is some credibility to the theory that this was the impetus to the defund-the-police movement. As a side note, although he riles against the ills of slavery in the past, he stills shills for Nike (paycheck!), who uses child labor in sweatshops to make their shoes. Oh, the hypocrisy is under-whelming.

Antifa is the cadre of domestic terrorists in all this. They are much more organized than many people think, as this article on the history of Antifa shows.

Being All-Black in a Capitalist System

I liken this to curbside grocery pick-up, at least where I live. Once one grocery store chain started doing it, the rest scrambled to get in the game. It’s understandably about market share. And, this was before the COVID-19 pandemic with its social-distancing woes. As one of the order-fillers at Kroger told me, “It’s a blessing for moms with 2 screaming kids. Why would they come in?”

Commercial companies across the board are imitating this model with their pandering to black interests and customers as well as social warriors of all stripes. Just the other day, Discover card announced that they are gifting $5,000,000 to black-owned restaurants, saying, “In an effort to support the restaurant industry as it rebounds from the impact of COVID-19, Discover announced today that it will be giving $5 million to Black-owned restaurants.”

Wait — did I read that right? How is this social justice? What about Mexican restaurants? Chinese? White-owned diners? How about Thai and sushi shops? And Lord help me, pizza shops. I assumed all businesses were on the COVID-19 pandemic chopping block. No sir, only blacks qualify; this is pandering at its lowest.

If you’ve got Discover plastic in your wallet, you’re the patsy here. That $5 million is coming out of your 25% monthly high interest rates, not the CEO’s annual bonus. It doesn’t matter where you stand on non-blacks losing their livelihood while only blacks get the lifeboats. This is life as we know it in the new all-black, 24-7, cultural mode.



References:


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About the Author:

Photo of Kelly R. SmithKelly R. Smith is an Air Force veteran and was a commercial carpenter for 20 years before returning to night school at the University of Houston where he earned a Bachelor’s Degree in Computer Science. After working at NASA for a few years, he went on to develop software for the transportation, financial, and energy-trading industries. He has been writing, in one capacity or another, since he could hold a pencil. As a freelance writer now, he specializes in producing articles and blog content for a variety of clients. His personal blog is at I Can Fix Up My Home Blog where he muses on many different topics.

Beat the Heat this Summer and Cold this Winter with Radiant Barrier

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Radiant barrier staple-up foil and loose fill insulation
Radiant barrier staple-up foil and loose fill insulation

The cost to air-condition you home in the summer and heat your home in the winter is absolutely insane, even if you have your HVAC sized perfectly. But what can you do? For one thing, you can install a spray-on and/or aluminum foil radiant barrier.

These are the two major distinct heat-reduction methods on the market today. And they really work. NASA uses it, as do other commercial and residential properties. And, although it is touted for summer savings, it works in the winter as well. Think of a thermos bottle. It doesn’t care if the contents are hot or cold; it just does a splendid job of insulating.

Which is Best: Spray or Foil?

This is really up to you. It really depends on your situation. But, and this is a huge but, spray-on is more versatile. It’s simply a powder mixed with paint so you can use any color latex paint you want and roll it or spray it on your walls, interior or exterior.

When I sprayed my attic, I used the bottom inch or two in the bucket that my Graco airless paint sprayer didn’t pick up to roll on my garage walls. And what a difference that has made! The garage is my woodworking shop and it is now much more comfortable.

How Much does Radiant Barrier Cost?

Uhmm, that’s a good question. There is no denying it; it is expensive. When I did my home (about 12 years ago) it was $0.50 USD per square foot for foil and about $40.00 USD per gallon for the pre-mixed spray-on product. I did the labor myself. You think that’s bad? Check out your last electricity bill. It’s all relative in the grand scheme of things.

How Does this Insulation Technology Work?

The spray-on method generally combines microscopic porcelain beads with aluminum flakes which are mixed into a latex paint base to reflect the heat. The foil is typically an aluminum product with tiny perforations to allow the material to breathe. The 2-ply versions are recommended because that provides a “dead” area that insulates much like fiberglass batt insulation does.

Common Questions About Radiant Barriers

Is it too expensive? No! This is one of the cheapest things you can do to lower the burden on your central air conditioner. Of course the initial cost may seem steep, but after it pays for itself you keep saving. Smart investment.

Is it hard to install? No! If you go with the foil, you basically need a tape measure, a utility knife, and a stapler. If you use the spray you will need to buy or rent a sprayer with the proper size spray tip. The only hard part is getting in tight spots.

Are there any precautions? Yes. If you use spray-on, you must use a high quality respirator (not a dust mask) when spraying or boxing the paint and powder.

Concerns about Cell Phone Reception

Radiant barrier foil and spray for double-effectiveness
Radiant barrier foil and spray for double-effectiveness

Well, this is everybody’s favorite question in our hooked-up and connected world. This question is still way out there as far as the responses go. From my spray radiant barrier experience, I can say that there was little or no change.

But, as far as the foil staple-up barrier is concerned (which I did not do in my home), I’ve found that the yes/no response from others is about equal. Logic dictates that it would make a difference from cell interception arriving vertically, but horizontally? Who knows?

When I added the foil to the attic floor over the rafters and the fiberglass batt insulation I did notice some cell reception degradation. But then I upgraded my cable modem/WiFi and the signal was perhaps better than it ever was.

So is radiant barrier insulation right for your home? From my experience I would say yes, absolutely. It lowers utility bills in the fiercest summer heat and the most shivering of winter weather. It will pay for itself over time if you are there for the long term and if you put your home on the market it’s a great selling point. Win-win.

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About the Author:

Photo of Kelly R. SmithKelly R. Smith is an Air Force veteran and was a commercial carpenter for 20 years before returning to night school at the University of Houston where he earned a Bachelor’s Degree in Computer Science. After working at NASA for a few years, he went on to develop software for the transportation, financial, and energy-trading industries. He has been writing, in one capacity or another, since he could hold a pencil. As a freelance writer now, he specializes in producing articles and blog content for a variety of clients. His personal blog is at I Can Fix Up My Home Blog where he muses on many different topics.

How to Improve Your Credit Score

A range of credit cards
A range of credit cards


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One of the best things you can do to to improve your odds of purchasing big-ticket items such as cars and a home is to improve your credit score. It is also essential to be in good standing when applying for loans, mortgages, credit cards, and even some jobs. A minimum target is a score of at least 720, while 850 is the highest you can go.

Credit Bureaus Determine Your Fate

Three credit bureaus (the Big Three, as they say) tabulate Americans’ credit scores: Equifax, Experion, and Transunion. You might assume that these are government agencies, but you would be wrong. They’re independent companies in the business of calculating and reporting your score. The methods they employ to come up with your score and how to improve it are closely guarded secrets.

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A Strategy to Improve Your Credit Score

Raising your credit score does not happen overnight; you have to work at it. How to go about it? There are various thoughts on the matter but Phil Tirone, author of the book 7 Steps to a 720 Credit Score, hits on 3 key points that everybody can agree on. Don’t fall for online scams that promise to magically raise your score. Rely instead on these principles.

  1. “Aim to have three credit cards—not just one or two—but never more than three. If you have more than that, pay them off and cancel them as soon as you can.”
  2. “Never use more than 30 percent of your credit limit. In other words, if you have a $10,000 credit limit, do not borrow more than $3,000.” To do so would be unwise in any event.
  3. “Have one paid revolving account—the kind you can maintain at a furniture store. Purchase something like a sofa and then pay it off. Use it every so often, and be sure to pay it off every time.”

One caveat here that he didn’t mention is to never be late on a payment. That will poison your attempt to raise your credit score. Automatic withdrawals are perfect for this. Set and forget.

A Higher Credit Score will Save You Money

For example, if an average consumer owns one credit card, one car loan and a house mortgage of $150,000 and raises his credit score by 50 points or so, he could save as much as $700 a month. Now why would that be? Because that makes him less of a risk. He can secure better terms and interest on a mortgage and more favorable car financing.

Consider what a benefit that $700/month is. The consequences are far-reaching. Typically Congress favors American taxpayers with about $700 every few years in the form of a tax rebate, and the economy gets a good bump. Imagine if every american were saving $700 a month and could use that to recharge the economy!

So now you know how to improve your credit score. The question is, “When?” The answer of course is, “Now!” 


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Trump Bonus Checks, Freedom Checks, and the 501(k)

Get rich fast schemes
Get rich fast schemes

Get rich fast schemes have been around for a long, long time. Why? Because everybody wants something for nothing, or at least by expending the least effort possible. If it sounds too good to be true…

The fact is that the digital age has ushered in a whole new generation of characters determined to separate us from our money. It is just a lot easier to reach a lot more suckers. Let’s take a look at a few that are taking up space in our email accounts.

Trump Bonus Checks

I’ve been getting this one for a while now. As with most of these messages, you have to watch a real snoozer of a long, long video while the narrator skirts around the meat of the matter until the very end.

Despite the name, he stops just short of claiming that President Trump actually legislated or recommended this “bonus” although he certainly implies it.

Donald Trump thumbs up
Donald Trump thumbs up

Of course there is an often-repeated call to action (CTA) to create a sense of urgency by telling you that you need to get yourself on the list by May 14. Or what? Some other poor slob will get my money? OK, got it. After all there is a limit of exactly $15 trillion of cold, hard cash available!

The bottom line? He wants to sell you $502 worth of information for a low, low price of $49. Basically he is going to sell you investment tips. What does that have to do with Trump? Nothing.

Freedom Checks

Freedom Checks have been around for at least a few months now, or at least that is when they started showing up in my email. Lately they have also running ads on the radio. To finance that they must be finding some takers. The radio spots are mercifully shorter that the video that accompanies the email.

I had to sit through the agony of the entire thing (for the sake of research for this post), before the narrator got down to brass tacks about what it is really all about. Bottom line? The same basic Trump Bonus model although the investments seemed to focus more narrowly on the mining industry.

This is another pitch to sell $49 newsletters. The question I had to ask myself is, “If this guy some investment genius, why is he spending time with newsletters?”

The 501(k)

Bankonyourself.com explains that the 501(k) plan is “a safe savings and wealth-building strategy based on a specific type of high cash value dividend-paying whole life insurance.”

An organization called the Palm Beach Research Group markets it under the guise that it is a tax shelter for the rich. The implication here is that if it is good enough for the likes for the very rich it ought to be good enough for a poor Joe Shmoe like me. After all, this is America, right?

Although the 501(k) is a legitimate investment vehicle and it can be quite lucrative, the approach taken b y the Palm Beach Group is to print and sell newsletters. These will set you back from $199 for the basic publication to $4,500 for the “Palm Beach Confidential.”

The bottom line? Most of us would do better to steer clear of these schemes and consult with a professional investment adviser face-to-face or sign up with a broker like Ameritrade. Don’t be a rube. There is no get-rich-quick in life no matter what a bunch of newsletter quacks say.


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Visit Kelly’s profile on Pinterest.


About the author:

Photo of Kelly R. SmithKelly R. Smith is an Air Force veteran and was a commercial carpenter for 20 years before returning to night school at the University of Houston where he earned a Bachelor’s Degree in Computer Science. After working at NASA for a few years, he went on to develop software for the transportation and financial and energy trading industries. He has been writing, in one capacity or another, since he could hold a pencil. As a freelance writer now, he specializes in producing articles and blog content for a variety of clients. His personal blog is at I Can Fix Up My Home Blog where he muses on many different topics.