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08.24.07 Should the Cost of Gasoline Include your Auto Insurance?

Many years back when I was a Connecticut Deputy Sheriff working in the courthouse I was confronted by several cases involving accidents. The affected parties were litigating to collect on auto damages due to accidents by "uninsured" motorists. While out driving today I started to think about revisiting this issue so I came home and started looking into exactly how big of a problem driving an uninsured car in CT really is. I thought it could not be that bad, especially since CT had a law requiring uninsured motorists to be covered by the guy with a valid policy. What are the odds of two vehicles in an accident both not having Insurance? Seems to me that things were pretty tight. Well these are some current statistics, lets see how big of a deal these Auto insurance issues really are.

The numbers average about 1 in 5 Cars have no insurance in CT. These numbers, of course are affected by income and education. The more Income and Education you have the more likely your neighbors are insured. This is the standard that was used by the CT legislature in CT's assessments to justify the drafting of laws to get people covered. To my shock and dismay this is the law.

"Any person who operates or permits the operation of his uninsured vehicle is guilty of a class C misdemeanor and subject to a fine up to $ 500, up to three months imprisonment, or both (CGS § 38a-371(d)). Upon conviction, an uninsured motorist is subject to a fine from $ 100 to $ 1,000 and a suspended registration and driver’s license for one month for a first conviction and six months for subsequent convictions (CGS § 14-213b). An uninsured motorist whose registration has been suspended may also have his license plates confiscated and vehicle impounded (CGS § 14-12h). "

This law seemed incredibly harsh, especially on the poor who in their CT survey said they often had difficulty keeping up with their bills. This problem I expect will become worse in CT as Education, Immigration, and the changing educational requirements for high skilled jobs continue to change. By my calculations Ct will have 1 in 4 uninsured motorists if the education principle holds true by 2012-2013. Here are some concerns that cause me to arrive to this conclusion. See the rough figures in the graph below.

To explain this graph, the CT OLR Research report from 2000 (http://www.cga.ct.gov/2000/rpt/olr/htm/2000-r-0182.htm) has drawn a conclusive result that Income and Education affect how many uninsured drivers exist on the road. Keep this statistic as a frame of reference.

Next we will look at the rate of change and addition of immigrants to the state of CT. This is important because the influx of immigrants between now and the year 2013 is expected to increase from 12% to 17% or another 5% jump. The incomes that these immigrants earn is usually far less for the largest group, the non-skilled labor group and non-English speaking group. This group is the majority of immigrants to arrive in CT, of which is receiving Immigrants at a far higher rate.

These matters are to be further exaggerated by the "High" level of inflation, or an "Inflation Tax" on the poor, now expected due to the Federal Reserve dramatically increasing the U.S. Money supply to bail out the Mortgage Industry. What we have here is a situation where I believe policy, not more draconian laws must be implemented as the solution. As it stands today, the Insurance industry in CT has a 2 for 1 profit margin on your premiums. That means that every $100 they pay out in claims and expenses they take in $200. The costs to these insurance companies are high because they need to advertise, pay mailing and marketing costs, agent fees and broker commissions across the state. While I am an advocate of jobs, I am also an advocate of solving the "Un-Insured" motorist problem. The idea I am about to propose will solve this problem by fairly adjusting premiums to every driver based on a real risk assessment.

The Solution is to to form an alliance between the Energy companies and the Insurance companies. Big corporations are better suited to do business with each other as they have better tools and negotiating skills than us lay people standing in line at Allstate. Imagine never receiving an auto insurance bill ever again, not worrying about paying insurance on that old car in the garage and furthermore not looking in the rearview mirror in anxiety that maybe you were cancelled last week by AIG. Imagine your legislator, thinking about something other than a stricter sentence for you the un-insured motorist. This is all possible if insurance companies compete with oil and gasoline companies for the fair market cost of insurance that will be added to your price per gallon. The idea is simple "No-Gas" "No-Insurance." The result is an end to the "Un-Insured motorist" nightmare coming down the Pike. It is also very fair, because people who drive less are less exposed to an accident and hence not as "High" of a risk than someone who drives intensely more; It also discourages excess wasteful driving.

The one concern that was brought to my attention, is "How does it adjust for the young inexperienced driver, the drunk driver with suspensions, and the persons with excessive accidents?" The answer is that I support strong laws to encourage these high risk drivers to "Ride the Bus" as it stands public transportation is suffering because laws getting these people off the road are not stern enough. But ultimately I would hope that the significant reduction in costs to this simplified way of doing business would adjust the PL graph to a comfortable spot. I believe it can be worked out.

These ideas can only be achieved by you believing they are fair, and electing people to office who are innovators in their thinking. That is why I am running for office. Help me get "Old School" politicians out of office. Support me Support my Ideas. Join My campaign to make CT a better place to live.

Rocco "Robert" J. Frank Jr.

www.rfrank118.com

Text Box: Uninsured
Immigration
Education

08.23.07 "Smart Growth" at the Expense of Your Property Rights.

"Smart Growth" for our cities is something I have recently been looking into with a great deal of "Open Mindedness." While "Smart Growth" appears to offer a Utopian approach to land use, there are many unresolved questions. These questions arise out of the pushiness of its promoters to our elected leaders in the public arena and of course whenever something of a new program emerges that is being peddled around the country I naturally get curious. My first instinct is to figure out who started this latest movement. In the case of "Smart Growth" the earliest instance of who thought it up appears to be a 1970's architect Peter Caltorpe. To begin lets focus on Peter. For starters Peter is no slouch in the arena of imposing his ideology on Government and municipalities, as a matter of fact his traveling road show already convinced several cities to implement his "Smart Growth" plan. Peter is someone I know from a documentary entitled "The end of Suburbia." He claims that "Peak Oil" a concept where we will eventually run out of "Cheap Oil" is going to force all of us to abandon our homes in the countryside for more congested cities where life will be cheaper. Peter and I both can agree that oil has no future, but I am pretty sure I am not going to abandon my home in my lifetime and I certainly hope the Hydrogen economy emerges before an oil crash does.

On my website, rfrank118.com and under my agenda I have expressed my opposition to "Smart Growth." It was a hard position for me to take, and I must admit that the temptation of having a picture perfect Utopia, with dedicated open space, artsy historic buildings, biking and hiking trails and happy Americans is amazingly tempting. The part I like the most is the "Green" vision of these utopian cities where we will all use less energy because urban planning will be as such that we will not need to go far for services. Than it occurred to me, we have such a place and it is only a train ride away, you know it too its called "Manhattan."

Aside from the strangeness of creating little Utopian artsy communities of which may or may not be wonderful, I am more against "Smart Growth" on the grounds that it is intent on violating our "Individual Property Rights" it expands the powers of "Eminent Domain," has the effect of upsetting "Real Estate Values" and fills our Town planning offices with "closed minded" idealists that will draft more un-constitutional zoning laws. That aside, lets talk about what else may change with "Smart Growth." For starters, some land such as large parcels of open space will be pressured down in value due to new land use and zoning restrictions. Other homes in the vicinity of where the "Smart Growth" Utopia is built up, the property values "Sky Rocket" making those homes "Un-Affordable." Note these are not my personal objections but rather the results of what has happened in communities where this "Smart Growth" has been tried. Not everyone believes "Smart Growth" has been good for their towns. The objections and concerns that I have mentioned are by people who have experienced smart growth first hand. See the "opponents" reference link below.

While during my campaign for State Representative in Milford Ct. I will welcome any and all suggestions that may help our community and state improve its infrastructure, I am adamantly against anything that will impose sanctions against American individual property rights, and property use. This goes against freedom, It goes against the fabric of a "Free America." While I do admire their ideas, their energy, their resolve and mostly their willingness to convince our elected leaders, I must protest their plan as it further imposes the already "heavy hand" of government upon Americans. Maybe I am wrong, but I sincerely believe that we American's are getting "sick and tired" of being duped out of our freedoms. The Government must protect our individual property rights.

If "Smart Growth" is really that important to a municipality, than that municipality should not abuse its powers to alter real estate values in favor of an experimental ideology. Municipalities intent on smart growth should compete for Real Estate the same as any American. Land owners are entitled to fair value for their property, and municipalities can build whatever they wish, with whatever developer they want. Municipalities also have tools at their disposal such as a "Zoning Board of appeals," and the ability to get a "Variance" from local neighbors for their "Smart Growth" projects. I sincerely believe "Smart Growth" is a great idea, but I cannot agree with it as long as it continues to insist on taking away our individual property rights.

For more information see the below links:

Definition: http://en.wikipedia.org/wiki/Smart_growth

Opponents: http://www.propertyrightsresearch.org/opposition_toward_smart_growth_g.htm

Rocco "Robert" J. Frank Jr.

www.rfrank118.com

08.22.07 The Federal Reserve uses "Funny Money" to confiscate Millions of Homes.

Someone please get today's Diary of mine over to Sen. Dodd, as he is scheduled to meet with Bernanke, I hope Sen. Dodd sees what I see. America has just been the victim of the largest Real Estate swindle in history. The Federal Reserve, who is no more Federal than “Federal Express” has exchanged money created out of “Thin Air” for millions of Americas Homes.

I only beg of Sen. Dodd to ask Bernanke did he really believe that giving money to millions of Americans with poor credit was somehow not a mistake by the FED? Are we really to believe that the FED did not expect their new credit and lending policies to create a financial meltdown? Admittedly I am no expert on these types of issues, but what I saw a few years back was freaky. I saw people with little to no income purchasing homes on the hope of flipping them for a profit again and again. These folk were permitted huge variable rate loans that were attractive because of their small upfront payment. Some were interest only with no principal for a fixed period of time. After a few short years these loans adjusted and ballooned until the loan victims not only could not afford their house but walked away with nothing but 7-10 years of marred credit. Their dream of flipping for a profit collapsed due to a flood of foreclosures. These people were greedy, predatory lenders wanted to make money, and the FED set the rules that ultimately got them looking like heroes riding in to the rescue of the troubled banking economy.

For one I believe the most intelligent bankers on the planet work for the FED. The key leadership at the FED is hand picked from the best schools in America, if not the World. These folks must of had a plan, how could such an elementary mistake lead the FED to not know what would happen before it happens. The FED does not make such incompetent mistakes that cost the global economy 1/2 trillion dollars. Not by accident anyhow. “Stop letting these bank cartels think you are stupid. These people are smarter and more devious than most of us combined.”

The FED is a bunch of Crooks, swindlers and Charlatans. According to congressman Ron Paul they operate an "Illegal" enterprise under the false pretense that they are legally part of the Government. Signing the Federal reserve Act into law was Woodrow Wilsons greatest regret. He was later quoted as saying that he was duped into "Unwittingly ruining his country."

These crooks are still at it today, greedier than ever. They just stole your house and possibly mine as I have a mortgage with Countrywide bank. The Fed could not wait to run to the rescue of all these banks and bail them out. They bailed them out with …well “NOTHING” for your “HOME.” Your home is worth something, it is wealth, It is “Inflation Proof” its something “Real,” the FED took millions of homes like yours and possibly mine with the stroke of the number pad on a computer. Yes, I believe they used extortion through abuse of power and control of money. Combine that with their deliberate bad lending policy, and American's end up with their wealth confiscated and left indebted to the FED. "Real wealth," apparently now, is something this group of private racketeering bankers are taking as collateral from lenders in trouble. The FED demands troubled banks release the "Deeds" to the homes of American's as security for their "Funny Money."

Apparently, as the money trail now suggests major inflation is heading down the pike as a repercussion to their "emergency measures," and quite ironically your real-estate is better collateral than the “Monopoly Money” they print. This is an outrage we should be “mad as hell” … how can we let these “Devil” bankers “confiscate our homes under the false pretence of their incompetence. Are you all such fools that you do not see what I do that this Real Estate swindle was intentional? The only winner here is the FED, they got millions of homes for free, we get inflation to fill their pockets with an even bigger national debt. We also get positive gains in our stock market, a market funded with the Feds "Monopoly Money" or money created out of "Thin Air." Wake up America were under siege!

America needs to get rid of the FED and regulate the value of its own money. We need to stop the senseless, maddening, never-ending expansion of a U.S. money supply that is backed by nothing. I believe it is better to let natural and corrective cycles force ethics and hard lessons to rampantly greedy businessmen early on, rather than continue to up the ante on a future with an increased risk of a Global economic collapse.

Congressman Ron Paul also has a message for you: http://www.rfrank118.com/videos3.htm

"Join the Truth Movement:"

Rocco “Robert” Frank Jr.

The most important thing we can do this coming year is educate ourselves on the UI disastrous rate hike. In reading scores of news stories and blogs there appears to be a lot of disappointment with the way CT's Citizens are treated these days. Lets face it, you, me, and everyone alike, has been (and continues to be) an awesome opportunity for big business to procure revenue on behalf of themselves and investors. In some cases we are the investors reaping the rewards of the misery big business pushes on others. A case in point is the staggering profits of Exxon Mobil and I assure you as I was cursing the Gas pump there were countless others who invested in Exxon that got their Gas money back in spades.

Unfortunately I do not believe UIL stock is going to show the same level of gratitude I would suggest that anybody and everybody who own UIL stock sell every penny of it and inform their friends and relatives to do the same. This is the best message we can send.

I believe that this UI desperate rate increase may have something to do with an 18 Million dollar loss on UI's Xelcom nightmare, and pressure to get the "sooty seven" back in business burning natural Gas. Gas "ironically" delivered from a horrific LNG nightmare off the coast of West Haven.

Everyone knows that gas burns cleaner hence resolving the coal burning pollution trouble of UI and its affiliates "sooty seven" problem. The massive rate hikes quite coincidentally erase their irresponsible losses on the Xelcom fiasco too perfectly. However, I will concede that increased foreign energy competition from the success of China has had its toll on the global energy market. But I am not entirely convinced that this whole problem is free of some sort of "Enron" style corruption, especially after the Attorney General's proposed "Windfall Profits" tax was made to disappear.

The old UI CEO left pretty much in a hurry and the new guy Mr. Torgensen does not give a hoot about us the consumers. UI has offered nothing to the poorest of the poor so far. At the moment Torgenson's entire day appears to be consumed battling politicians, arbitrating down UI's employees, and counting wall street profit. The only time we, the CT consumer, are ever thought of is when we fail to afford our electric and the power is shut off.

As a small business owner I just opened a little company called the ComputerFox right here in Milford Ct on New Haven Ave. and I cannot tell you how every penny counts in starting a business. Up front losses are expected but thanks to UI's 50% rate hike for commercial locations I am quite certain that that my growth plans are being impacted. Every small business I talk to has been struggling with the increased energy costs. Many are going without heat in the winter and air conditioning in the summer. Never in my memory do I recall such extreme conservation methods by businesses and residents to keep their electric bills affordable.

The consensus of many of my colleagues at the chamber of commerce is that business is becoming more and more challenging in CT. I can only hope that someone, other than me, cares enough to put forth an ambitious agenda to fix the problems induced by the aggregate carelessness of utilities, taxation, insurance, and poor services that negatively impact the already micro-wage economy that we have built.

The problem goes full circle in that the same enormous group of underpaid, unskilled, people just return to your business and force small businesses to either collect less or nothing. Blumenthal is correct in calling UI'S rate hike a "Tsunami" I see it more as the "final nail in the coffin" of New Haven as well as the modern harbinger working in tandem with this states failed education system. This is a "one two punch" in furthering the spread of poverty. It would appear that the BIC Corporation, Bayer, Mobil Oil, and Unilever closed their plants just in time. I fear Sikorski will move out of state next taking Dictaphone with it. Many newspapers, I believe, will also be impacted as many small businesses who advertise will have to chose between fewer ads or power.

The only good news I see in the distant future is that Deregulation may be accelerated and new companies will be offering competitive rates now that CT has the highest Electric rates in all of continental America, however Gov. Rell says that she sees no short term solution in sight due to UI's "contract obligations." The Department of Utility Control may end up being CT worst nightmare, especially if they discourage competition in our local power market. For now we may all have to buy more efficient light bulbs and use less power. Keep CT in your prayers and hope the billions spent in upgrading the CT power grid actually does work to save us money in the future. The reality that I feel in my heart, however, is that all this utility work is merely a band aid. I believe global warming is real, and fossil fuels have no future. This is because fossil fuels will never burn free of CO2. Pray for a Hydrogen market to arrive sooner and not later. Now is the time to build our future, and now is is the time for a Hydrogen Economy. For additional education on the CT energy crisis see "Peak Oil." http://www.rfrank118.com/VideoS2.htm

Rocco "Robert" J. Frank

Before I begin on this topic I should make my view of Amann clear. I feel that Jim Amann has been really screwing up with the public and their opinion of him. Just about every blog board is critical of his leadership and in many cases goes as far as saying that he illegally uses his office for his personal financial gain with a charity he is connected to.

But that aside I continue to distrust Amann across the board because of his support for Lieberman. Amann helped Lieberman get Re-Elected after his party dumped him, and if America starts WW3 due to the Work of Lieberman, then I believe Jim Amann should be held accountable for all the future lives of young men and women that needlessly will be lost. For this reason alone I believe its justified to call him a poor choice of a person and should be voted out of office in Nov. 08!

With that said I would like to address todays post by reminding all of you that I see Amann as your typical “Tax and Spend Liberal” while I admire his noble wish to bilk the governor out of “Millions of dollars” to fix our bridges and roads, he has not mentioned a single word about holding those who wreck our bridges accountable, and I know that bridge repairs are a major part of the budget that is currently being proposed.

I challenge the Speaker to introduce a bill that would require a $10 or $20 Tax or Toll for “Big Rig” tractor trailer trucks, the overweight offenders, the 12 ton speeders, and the implementation of proper drainage systems and freight weight standards. Trucks put more wear and tear on our highways than any other source.

Lets not forget that the last bridge explosion in CT was in Black Rock, another one exploded on Rt 7 not too long ago, both were trucks full of Oil that created infernos and stopped traffic. Should these offenders be our problem? The passenger car drivers. I think not!

Amann should be suggesting real solutions rather than once again stealing the “limelight” after a Bridge collapses on T.V. and you Mr. Amann, if your reading this, should be ashamed of your “Telegislator” style! You should be ashamed that you have no semblance of a plan other than to be a “Tax and Spend” liberal. Our Governor is challenging you for a reason.

Amann has the kind of thinking that leads to the annual meltdown in Hartford. We keep allocating millions to departments and projects that are neither properly managed, financially resourceful or efficient. I believe that not one cent should be appropriated to any single person or department that is devoid of a conservative plan to get their job done, and done without B.S. cost overruns and budget problems. I believe waste should be eliminated.

With that said I also believe the speaker needs to force Connecticut to stand up for itself and take a position demanding that our Federal Income Tax Dollars be apportioned back to us as our U.S. Constitution requires of the Federal Government. As it stands the Federal Government annually takes 4 months of CT Citizens income in tax. None of it comes back to us or our state. Not a cent for our Schools, Roads, our Emergency services, or a single social program. Aaron Russo, featured on youtube will eloquently explain this to any “would be doubters,” but for now, I think we all need to be Mad as Hell over the cronyism, and racketeering going on in our government.

Join the “Truth Movement” Demand answers and boot the “Dinosaur Politicians.”

This issue is one that I can write about with some mixed emotions. There is good news about our Tap Water in CT and there is an ongoing challenge. Lets start on a positive note, and I will begin by mentioning that some 10 years ago I was very proud to be part of a struggle to remove a fuel additive from gasoline called methyl tertiary-butyl ether or MTBE for short. This chemical was what resulted when laws were passed requiring the "Oxygenation" of fuels to meet stricter emissions standards. My involvement with MTBE was through a friends call in Stamford CT.

My friend was in the commercial signage business and was a great ally to Bush1 and his name is John. John became concerned about MTBE due to his own health issues with contamination. His friends were complaining of contaminated well water, asthma, and many other health related conditions. To begin I did not know the least bit about MTBE but I did my homework and clearly decided It was a chemical that had to be removed from our state. Many of our legislators had little to no knowledge about MTBE as a matter of fact they were up to their necks in the daily nuances of government and most representatives in Hartford were busy pushing their agenda's. No one would listen or take seriously our toxic water argument. We eventually took our battle to the internet and I became a media consultant on the issue, we began to get people concerned and got grass roots efforts working for us. We formed alliances with a group in N.J. that eliminated the toxin with the help of a panel of medical experts. We spent years fighting a bit on the Radio with radio host Kevin Skiese out of the valley in CT and eventually we were able to muster the support of Sen. Deluca in Hartford.

Kevin and I met with the Senator who pushed the EPA to study the warnings and health hazards of MTBE. Our panel of experts were called to testify before the state board of health and in a historic decision the State Board voted unanimously to phase out MTBE from our gasoline. This was a great success for the protection of our wetlands, wells and watersheds from people being introduced to highly toxic carcinogenic chemicals that were making our citizens sick throughout the State.

For the challenge now, we are not out of the woods with carcinogens in our tap water, there is still the very toxic and carcinogenic Fluoride. You are probably raising your brow to this because God only knows Fluoride is good for your teeth. What most people do not know is that Fluoride is a poison. Do not take my word for it read the side of your toothpaste tube it requires anyone ingesting it to contact a poison control center...the same as if you ate a box of RAID bug killer. We were all told Fluoride is safe at 1ppm. but we ingest far more than that because Fluoride has found its way into our food, our oral hygiene products and everything we water with Fluoride polluted water. This brings the ppm's to more like triple the safe level.

Fluoride has a history that dates back to the A-Bomb and if you watch the video in the video classroom on this website you will discover that high levels of Fluoride, a by-product of Uranium enrichment, was destroying and killing crops and farm animals many years ago. This made the toxic chemical a major liability to all downstream of it. The same scientists responsible for the A-Bomb program disposed of this toxic waste in our drinking water under the premise that is good for your teeth. Maybe it is, and as far as I can see the research focusing on teeth looks accurate. The question remains that Fluoridation of water supplies is very controversial. Many states do not Fluoridate their water because they believe that less cavities is not worth the risk of cancer not to mention the psychological effects of Fluoride of which can include complacency, depression, ADD, thyroid dysfunction and a litany of other health risks. May scientist have been reversing their opinions on Fluoride and I believe the people of CT need to send it back where it belongs, back to the Aluminum industry as toxic waste. We must oppose using our water supply for the purpose of disposing vast quantities of industrial toxins. My personal belief is Connecticut's citizens should not be eating industrial waste. If we have quality water, we can eliminate the need to purchase our drinking water in a matter that is creating an accumulation of millions disposed plastic bottles that are not being recycled and are now posing a new environmental problem.

This is a concern that I posted on the CT Post bulletin board. For more information my posts, along with others, can be read at www.ctpost.com click on the push pin go to current events, and read the bulletin titled "Health myths and your Drinking water." For National resources see www.fluorideaction.net .

The purpose of my article today is to take pause and remember the difficulty faced by single parent homes in Connecticut. This is an issue that is very close to my heart as I have experienced the issues that divided and broken families can face. The Connecticut Family dynamic has been changing and children are the ones being impacted the most. From the ‘80s until now, the increase in single parent homes has been well in excess of 30 percent. Over 3/4 of those are female-headed.

According to the most recent Census Bureau statistics, 35 percent of those living in poverty in Connecticut are children under 18 years of age. Even more acute is the fact that 52 percent of female householder families with related children under 5 years of age are living in poverty.

What to make of these statistics. To most, numbers paint a picture of simple lifeless accounting. These numbers however, ignore the the feelings of neglect that many children feel after a home is broken. While the Connecticut Family court system allows any parent to buy their way out of court troubles, the reality is that the money does little to nothing to satisfy the "emptiness" that children feel. While there are several ways to collect on financial arrears, now to include your Passport to the list, there are virtually no like ways to combat "Parental Alienation Syndrome" or in lay terms the deliberate psychological destruction of another parent through the use of a parents love for their child. When that love is denied by another parent due to revenge or hatred the downward psychological spiral of the non custodial parent often leads to Depression, Debt, Unemployment and in many cases Incarceration.

Many new studies are discovering that women are 3 times more likely to initiate violence in their homes. This will be a shock for many and I am sure a concerted effort will be made to debunk this but here is the research: http://www.csulb.edu/~mfiebert/assault.htm. This research is also true for women being the main initiators of divorce, and ultimately a choice that land them living in poverty. My point here is not to point fingers or say that Men are better than Women, because I am neither interested nor concerned with anything other than to discover the complex issues that undermine our State, our Community and our Families.

The question here is not what to do about the generation of people who already have a broken family, or what to do about children in counseling and on psych meds, but to challenge you and the next generation of children to come up with the solutions required to solve "Parental Alienation." The goal and desires I have for our state is to reduce the 30% non H.S. graduation rate, a rate that is as high as 50% for poor families, and reduce the chances that child victims of "Parental Alienation" do not become the next generation of Connecticut's Felons. Steven Levitt author of the book "Freakanomics" actually has gone so far to say that abortion from the 1970's to today is largely responsible for the decline in the high crime rates our nation once had. Many people may remember the city of Bridgeport just a few miles down the road as being the "Murder Capitol" of CT back in the 90's. Good family policy will determine that those days never occur again.

While I respect Levitt as a researcher and author I must agree in protest and with a great deal of disbelief. I will not go so far as to call him wrong but I will say that when abortion becomes a way of reducing crime it is a real wake up call to the state of crisis our families are facing. These issues are very complex, and while sociology of the family can comprise volumes of information in and of itself, I will begin to conclude this article with my support of reforms that I believe will make improvements within the American family.

To begin the future generation of children are going to be skeptical of marriage, and quite favorably the birth rate in CT has been on the decline over the last several decades for numerous reasons. This new generation of families will mostly come from divorced homes and will have a rather uninformed view of what makes a relationship work. These kids need to be given a "heads up" a State test that accurately predicts the future compatibility of a couple. To see a description of a compatibility test go to this link: http://kevan.org/froytest. The second phase should be to require a prenuptial agreement prior to getting married. I believe that this is easier to achieve when things are good, and if monetary issues are to arise it is better to break up over a Prenup than after the wedding and in court. If like many you do not believe in marriage a "Child support and rearing agreement" should be required prior to receiving any prenatal care. If all fails and none of this is achievable due to extreme circumstances state aid should be made available to single custodial parents. Such aid should include Daycare, Rent, Energy assistance, and employment opportunities. This help should be paid back to the State by the parents after the youngest child reaches the age of 18. I believe that such aid should be a generous "hand up" not a "hand out."

The economy continues to take a downward spiral due to the "subprime" lending mess. Today, again we hear that the stock market is down yet another 167 Points reaching a 4 Month low on Wall Street. Real Estate owners are at the center of this melee and are at the root of the meltdown as foreclosures rack up around the country and Real Estate values hit a 5 year low. Cramer from "Mad Money" calls this situation "Armageddon" with 7 Million People expected to lose their homes.

The Federal Reserve has been injecting 100's of billions of dollars into the banking system to fight off a global panic in the world markets. France, yes folks, France took control of three major hedge funds heavily invested in U.S. Mortgage debt when those funds ran into accounting trouble. Markets overseas are becoming unstable as fear is contagious and risk of a huge financial loss intolerable.

With all of this Mortgage malaise in full swing no one is asking where is the Federal Reserve getting the Billions to bail out banks? What is the collateral they get in return from these banks for giving them their desperately needed liquidity to avoid financial ruins? The answer lies in the magic of the Federal Reserve system itself. The Federal Reserve system or as the street puts it the "FED" has magical monetary powers. The fed was established in 1913 under the Federal Reserve Act. and to set everyone straight and to put a longstanding myth to rest, the "FED" is no more Federal than Federal Express. They are privately owned, and share their profits according to their own rules. Just because your dollar bill has some government officials as signatories do not be fooled into believing that this system is ours, it is not.

The purpose of the "FED" is to regulate the value of our currency and avoid inflation. The common argument is that the Government is not able to control inflation so the "FED" with its expert banking experience is responsible to make sure the American Dollar holds it value. Most people do not even know what this enigmatic banking policy means to them until you mention a few things everyone is upset about. To name a few lets start with our 9 Trillion Dollar Deficit, our 35% Decline of the Dollar against other major currencies, and the never-ending year over year inflation tax. According to Aaron Russo a 1998 Republican candidate for Governor in Nevada, 100% of your Federal Income tax goes to pay interest on the national debt. Not one penny is apportioned back to you as the U.S. Constitution requires the Government to do. This is only possible because the American people do not know this is happening. This is also why I need to inform you.

To write on, today was a special day, because I wrote a letter to Congressman Shays asking him what happened to the Gold at Fort Knox. Shays said he would look into it, so he fired off a letter to the proper official and as I expected I was answered with a completely irrelevant written response about the price of gold not reflecting market conditions. To say the least I was speechless. I did find a video with Presidential candidate Ron Paul who said the Federal Reserve lists the People's Gold on their balance sheets, hence proving once and for all that this private corporation "Took" the peoples gold and consequentially we have not been able to do a proper audit of it since the Eisenhower administration. Congress also has no interest in proving that the "FED" did not claim it for themselves due to their own justifications.

To bring this story full circle I believe the "FED" is at it again. They are rushing to the rescue of big banks hopping up more interest for themselves on billions in collateralized loans to save failing banks and lenders. The "FED" does not give these loans freely, they charge interest and often take the Real Estate assets as collateral. Real Estate is the real wealth of America, not the money of which they create out of "thin air." The lesson here is that if Cramer is correct that some 7 Million Americans are going into foreclosure in the coming months and years the "FED" and its private group of racketeers is going to own the real wealth of America, your home, and they are going to achieve this by creating money to pay for it out of "Thin Air." Between war spending and now banking problems I fear either inflation or something else of grave concern is coming down the pike. The "FED" might be acting desperate here but they sure did very little to reduce the interest revenue they will procure from the victim banks who got into this mess by adhering to the "FEDS" policies on lending to the sub-prime market.

For this very reason American Citizens need to demand that the U.S. Government quit printing our money out of "thin air" and then using our hard earned incomes to pay interest on it to a racketeering group of private bankers. The time has come to voice your opinion against the FED before our currency resumes its decline in the coming years. Join me in building strength to take back our country by being the first state in America to demand that our Federal income tax be apportioned back to us. Our schools deserve it, our roads need it, and most of all its your 4 months of hard labor that is being confiscated, you should have a say against the government breaking the law.