Words and Writers

Joan Cartwright, Author

I’ve added a tab specifically for my friends and associates who spend their time writing books. I know the awe with which I held authors before I became one and, now that I’ve published 9 books, I am still in awe of those who write fiction as well as non-fiction.

Visit the Author tab for more information.


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A bigger Ponzi scheme than Bernie Madoff’s

Remember, not only did you contribute to Social Security but your employer did too. It totaled 15% of your income before taxes. If you averaged only $30K over your working life, that’s close to $220,500.

If you calculate the future value of $4,500 per year (yours & your employer’s contribution) at a simple 5% (less than what the government pays on the money that it borrows), after 49 years of working you’d have $892,919.98.

If you took out only 3% per year, you’d receive $26,787.60 per year and it would last better than 30 years (until you’re 95, if you retire at age 65) and that’s with no interest paid on that final amount on deposit!

If you bought an annuity and it paid 4% per year, you’d have a lifetime income of $2,976.40 per month.

The folks in Washington have pulled off a bigger Ponzi scheme than Bernie Madoff ever did.

I paid cash for my social security insurance!!!!

Just because they borrowed the money, doesn’t make my benefits some kind of charity or handout!!

Congressional benefits:

  • free healthcare
  • outrageous retirement packages
  • 67 paid holidays
  • three weeks paid vacation
  • unlimited paid sick days

Now, that’s welfare, and they have the nerve to call my social security retirement entitlements?

We’re “broke” and can’t help our own Seniors, Veterans, Orphans, Homeless, etc.!

In the last months we have provided aid to Haiti , Chile , and Turkey, and now Pakistan, home of Bin Laden.  Literally, BILLIONS of DOLLARS!!!

Our retired seniors living on a ‘fixed income’ receive no aid nor do they get any breaks, while our government and religious organizations pour Hundreds of Billions of $$$$$$’s and Tons of Food into Foreign Countries!

They call Social Security and Medicare an entitlement even though most of us have been paying for it all of our working lives and, now, when it’s time for us to collect, the government is running out of money?

Why did the government borrow from it in the first place?

Imagine if the *GOVERNMENT* gave ‘US’ the same support they give to other countries.  Sad isn’t it?

99% of people won’t have the guts to forward this.

I’m one of the 1% — I Just Did!

You didn’t get mad!

After The 8 Years Of The Bush/Cheney Disaster, Now You Get Mad?

You didn’t get mad when the Supreme Court stopped a legal recount and appointed  a President.

You didn’t get mad when Cheney allowed Energy company officials to dictate  Energy policy and push us to invade Iraq.

You didn’t get mad when a covert CIA operative got outed.  You didn’t get mad when the Patriot Act got passed.

You didn’t get mad when we illegally invaded a country that posed no threat to  us.

You didn’t get mad when we spent over 800 billion (and counting) on said illegal  war.

You didn’t get mad when Bush borrowed more money from foreign sources than the  previous 42 Presidents combined.

You didn’t get mad when over 10 billion dollars in  cash just disappeared in  Iraq.

You didn’t get mad when you found out we were torturing people.

You didn’t get mad when Bush embraced trade and outsourcing policies that  shipped 6 million American jobs out of the country.

You didn’t get mad when the government was illegally wiretapping Americans.

You didn’t get mad when we didn’t catch Bin Laden.

You didn’t get mad when Bush rang up 10 trillion dollars in combined budget and  current account deficits.

You didn’t get mad when you saw the horrible conditions at Walter Reed.

You didn’t get mad when we let a major US city, New Orleans, drown.

You didn’t get mad when we gave people who had more money than they could spend,  the filthy rich, over a trillion dollars in tax breaks.

You didn’t get mad with the worst 8 years of job creations in several decades.

You didn’t get mad when over 200,000 US Citizens lost their lives because  they  had no health insurance.

You didn’t get mad when lack of oversight and regulations from the Bush  Administration caused US Citizens to lose 12 trillion dollars in investments,  retirement, and home values.

You finally got mad when a black man was elected President and decided that  people in America deserved the right to see a doctor if they are sick.

Yes,  illegal wars, lies, corruption, torture, job losses by the millions, stealing  your tax dollars to make the rich richer, and the worst economic disaster since  1929 are all okay with you, but helping fellow Americans who are sick.

Oh, Hell  No!!