Author Archives: Michael E Kelley

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About Michael E Kelley

Software geek, speaker, humorist, consultant, writer and futurist.

Federal Reserve Needs to Manage Mortgage Rates – Raise Your Hand If You Agree

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CPI used by Federal Reserve rose slowly. 2021 – 7.6% 2022 – 6.3%

But Median Home Price (Inflation) rose faster. 2021 – 18% 2022 – 13%

The problem is the Fed was watching the CPI and not looking at housing prices which rose a lot faster. That resulted in similar large rent increases. Powell and the Fed did NOT recognize the need to raise rates UNTIL January 11, 2022.

Solution 1: Have Congress give the Federal Reserve the mission of controlling mortgage rates in conjunction with housing inflation. OR

Solution 2: Combine the Federal Student Aid, Fannie Mae, and Freddie Mac agencies into the new Federal Loan Administration and have it set rates in conjunction with the Federal Reserve for student and housing loans. Student loan rates and mortgage rates would rise as demand rises or as prices rise. Likewise they would go down independently of the Fed Funds Rate as demand goes down or as prices drop.

144 Windows Cleaned – Only 576 To Go

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Thanks to MIGUEL MEDINA, AFP Via Getty Images

Good News Kids – Santa Is No Longer On Strike

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Thanks to ROBYN BECK, AFP Via Getty Images

Trump Will Fire All Government Workers that are Democrats

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If Trump is elected, his action will be hung up in courts for a year before being resolved.

If Trump is elected, the results of this action are as follows:

  • Trump gets revenge.
  • Trump can destroy the Justice Department.
  • Trump can put loyal Republicans in place.
  • The Koch brothers get the Federal government immediately cut in half.

Pro-Choice Is A Religion – And Pro-Life Is A Religion

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A. Title VII Defined Religion

Religious beliefs include theistic beliefs (i.e. those that include a belief in God) as well as non-theistic “moral or ethical beliefs as to what is right and wrong which are sincerely held with the strength of traditional religious views.” 

One religion believes in God. Another believes in Buddha. That does not mean one is right and the other is wrong.

Therefore, Pro-Choice is a religion and Pro-Life is a religion. They can coexist.

B. US Constitution – First Amendment Defined Rights of Religion

Congress shall make no law respecting an establishment of religion, or prohibiting the free exercise thereof …

C. Therefore, Pro-Choice AND Pro-Life shall be exercised anywhere in our nation.

If you agree, please pass along the link to this web page.

The Assassination of a Broken Democracy Is Available Now

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PLOT

Three seemingly random characters are running for their lives in this fictional thriller.

BROKEN DEMOCRACY

The book “Tyranny of the Minority” has 15 points to be implemented to fix our Democracy. But they are mostly about voting rights which are hard to quantify and get passed.

Likewise, Bernie Sander’s “Our Revolution” has lots of voting rights proposals. He also has a lot of financial reform proposals but misses the core problems.

“The Failure of Laissez Faire Capitalism” blames banks and the 1% for our problems but misses the fact that the underlying problem is our broken Capitalist Democracy and concepts allowed under Citizens United.

“The Assassination of a Broken Democracy” uses a thriller story to subliminally propose getting rid of 10 problems that did not exist 200 years ago. Some of the 10 problems include gerrymandering, filibuster and super PACs.

“Tyranny” and “Revolution” propose changing some of these but offer no process to get change done.

On the other hand, “Assassination” proposes a solution to eliminate these problems which did not exist 200 years ago.

Originalists like SCOTUS Judge Alito want to put us back 200 years. Since these 10 problems did not exist 200 years ago, they should agree to get rid of them.

AVAILABLE WHERE AND WHEN

I hope you enjoy “The Assassination of a Broken Democracy” as much as I did in bringing it to you. It is currently available at Lulu.com.

https://www.lulu.com/shop/michael-e-kelley/the-assassination-of-a-broken-democracy/paperback/product-kvnr4ee.html

Coming soon to Amazon.com and BarnesandNoble.com.

Michael E Kelley

When Invited But Do Not Know Why

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Thanks to Hans Gutknecht/MediaNews Group/Los Angeles Daily News.

Taking Water Cooled Jeeps to the Next Level

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Thanks to APRIL BARTON, FREE PRESS / USA TODAY NETWORK

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Man Saves Rifle and Pink Flamingo During Flood

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Severe flooding in Vermont causes people to make tough choices.

Thanks to Hasan Jamali/AP.

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“College Students Too Stoopid to Vote” – Cleta Mitchell of GOP

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NASHVILLE — A top Republican legal strategist, Cleta Mitchell, told a roomful of GOP donors over the weekend that conservatives must band together to limit 1. voting on college campuses, 2. same-day voter registration and 3. automatic mailing of ballots to registered voters, according to a copy of her presentation reviewed by The Washington Post.

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