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Articles by run75441

Teacher with $300M of Student Loan Debt Says $10,000 is a Drop in the Bucket

5 days ago

“Teacher With $303K Student Debt Says Biden’s $10K Relief Plan Not Enough” (

Finally, I am seeing various publications (Business Insider, etc.) writing about accrued interest on student loans. Interest on the principal and also the interest. This particular article also touches upon Deferred Student Loans and the resulting paying the interest first before touching principal. This is much of what I have pointed out previously and largely ignored. Student loans can be a La Brea tar pit for young people.

“13 Mistakes to Avoid When Repaying Student Loans | Edvisors.” Mistake #7 of 13 student loan mistakes is to the left and addresses what I just said about paying interest first before touching principal. Click on the image

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What We Are Missing in the Hearings

6 days ago

I am disappointed in the reporting on these Hearings and the Hearings themselves. This is the second time people are applauding statements from the January 6th Committee Hearing. In this Hearing we experienced former 4th COA Judge Luttig slowly, carefully, and legally make a statement on conversations he had concerning Pence and what trump was trying to get Pence to do.

After his conversation with a Pence attorney, Judge Luttig tweeted a message saying Pence did not have the power to reject electors. No bells went off in his head as to why the question or why trump was demanding. This is another example of responsible people doing nothing.

Everyone knew trump is a volatile person prone to excesses, having his own way, and his tantrums. No

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Simone Gold Goes to Jail

7 days ago

Interesting story popped up on MedPage Today. “America’s Frontline Doctors’ Simone Gold Gets Prison Time”

On March 3, 2022 Ms. Simone Gold filed a brief confessing (line 10) in United States of America v Simone Gold to being inside the U.S. Capitol on January 6, and regretting going inside.

In a story run on January 12, GOLD gave an interview to The Washington Post where she confessed to being inside the U.S. Capitol on January 6, and stated that she regretted going inside. download (

Anti-vax doctor Simone Gold agrees to plea in Capitol riot case |

March 3, 2022; Here is a more subdued Simone Gold at her first Court Hearing addressing US District Judge Christopher Cooper.

During her plea hearing, Gold, who had

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Bill Barr Testifying to the January 6 Committee

8 days ago

Taken from: “Bill Barr Struck With Amnesia About His Work To Spread Big Lie” | Crooks and Liars, Susie Madrak

Me: If you are listening to the Hearings, you have been hearing Bill Barr testifying of his warnings to trump of his actions. If you have been reading what Barr has been saying in the past, it sure did not appear to be warnings. Indeed, it was more along the lines of Dems being wrong.

Definitely “Two Faces,” have been on display by former trump Attorney General Bill Barr. One in support of trump’s failure at overthrowing the government and another for the January 6th Committee claiming he was warning trump and Republicans not to do it many times over. Barr is attempting to wipe the slate clean of previous comments.

The two-faced

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Pence’s Letter of Explanation Written on January 5th

9 days ago

As taken from “Letters from an American,” June 12, 2022, Prof. Heather Cox Richardson

“Yesterday, Politico’s Betsy Woodruff Swan and Kyle Cheney reported on January 5, 2021, then – vice president Pence’s attorney Greg Jacob wrote a three-page memo concluding what the president and his supporters were demanding Pence do the next day would break the 1887 Electoral College Act—that is, the law – in four different ways. The memo responded to John Eastman’s memo laying out the plan for Pence to hand the election to Trump by refusing to count a number of Biden electors. Lawyer Jacob was noting Eastman himself was ‘acknowledging his proposal violates several provisions of statutory law.’ Additionally both historical court decisions and one as recent as

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Auto and Light Truck Emission Rules are Still Problematic

10 days ago

“New Auto Emissions Rules Have a Loophole You Can Drive a Light-Duty Truck Through” (, Lloyd Alter, December 2021


President Biden and the U.S. Environmental Protection Agency (EPA) have revised the existing greenhouse gas emissions standards for passenger cars and light-duty trucks. Rolling back in four years the rollbacks the Trump administration implemented to change the standards set in place by the Obama administration is disruptive for automotive companies and the Tiers.

Having done so, the rollback leaves companies scrambling to implement business plans to adjust to the back-and-forth regulations. Or maybe it is not so hard given the way emissions and mileage is calculated using “fleet” data.

“These new

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Why US Pickups Need More Style Regulations

12 days ago

I do not remember the first time I ran across Treehugger. It was probably at Slate where I was writing in Moneybox and The Best of The Fray. Slate was featuring Treehugger in a series called “Go on an eight-week carbon diet” as written by Meaghan O’Neil in October 2006. Time does fly, doesn’t it?

Not everyone gets satisfaction with Treehugger’s offerings as Jack Schafer at Slate points out. But then, maybe he was agitating? You know, stirring the pot so to speak to attract more readers. A sampling of one of his commentary at Slate:

There’s not much in the TreeHugger-Slate package we haven’t heard a million times since the first oil embargo: Install storm windows. Insulate. Weather strip. Keep the furnace settings low and the AC settings high.

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Why $10,000 of Student Loan Relief will not Help

13 days ago

I have been bugging Alan at Student Loan Justice to talk more about Student Loan interest, etc. accumulating on these loans. As you can see it is not unusual to accumulate more interest or other costs than the original loan amount. It is also not unusual for the servicer to collect interest before paying down the principal. These loans will be with these people forever and to their graves.

I do not know of any consumer loans exploding like student loans do. State and federal laws protect borrowers from this type of abuse.

Tags: Alan Collinge, Student Loan Justice Org, student loans

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The Postal Service identifies 170 “suspended” post offices for permanent closure

13 days ago

To Be Discontinued: The Postal Service identifies 170 suspended post offices for permanent closure, Save The Post Office, Steve Hutkins

Earlier this week the Postal Service shared a list with the Postal Regulatory Commission identifying 170 post offices that were “temporarily” suspended several years ago and that will soon be closed permanently.

The list was submitted as part of the PRC’s Public Inquiry into what can be done to push the Postal Service to clear up a backlog of over 400 long-standing, unresolved emergency suspensions.

In its filing with the PRC, the Postal Service explains that the effort to resolve these suspensions has been hampered by the pandemic and organization changes made in 2020, but it is now prepared to

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Miranda Rights Up Next?

14 days ago

Expected reversal of Miranda requires states to step up on policing  to replace it.

A lesser-known case appears to likely to upend another constitutional precedent—Miranda rights.

This case, Vega v. Tekoh, asks whether a person’s federal constitutional rights are violated if a police officer fails to inform them of their rights to remain silent, to be represented by an attorney, and to be protected against self-incrimination whenever the person is subjected to a custodial interrogation by the police. These warnings, known as Miranda warnings after the 1966 Supreme Court case that first prescribed them, have become critical protections against coercive police interrogations and are routinely recited by officers whenever they make arrests or

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Think There’s a Connection … ?

15 days ago

“Ten Bears” poking at Fox News and Republicans downplaying the January 6 Insurrection by not broadcasting the 1st of six Hearings and probably the rest. One can only hope they will change their minds and take ownership of what they helped to sponsor. It is evident with their continuous denials,

Homeless on the High Desert, Ten Bears, June 7, 2022 in g’da said

Personally, I want to hear more about Benghazi … !

The spectacularly successful cover-up even into the highest halls of congress of Romney and the Retards (look it up) spectacularly failed campaign attempt to stage a Reaganesq hostage-taking and subsequent White Guy Riding To The Rescue The Black Guy In The White House Could Not October Surprise that instead resulted in the deaths of

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Protect the Public and Serve

16 days ago

“Are Any of Us Safe at Work?” | MedPage Today, Mengyi “Zed” Zha, MD

Me: The title rings true. The only discussions I have read are about assigning guards to SCOTUS Justices and other supposedly important groups. This is only a small segment of the population. When it comes down to the rest of us, its “we can’t violate the rights of “gun” buyers, owners, open carries, etc.” The answer to the question is NONE of us are safe and Congress will not do anything.

We are hand gun, Armalite Rifle design 15, etc. fodder. And under threat many times.

Article: They assumed I’d be safer as a doctor (coming out of China) in the U.S. However, after years of working here and the growing number of attacks, it has become overwhelmingly clear to me and my

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Rationale for a Post Office Suspension Dashboard: Comments for the PRC’s Public Inquiry

17 days ago

In the commentary, Steve Hutkins is addressing is Post Office Suspension of operations. In this case, there are 454 Post Offices in suspension with no resolution. Some Suspensions have been as long as 5 years. The issue is the Suspension and a potential the policy of a Suspension being used to close a Post Office permanently with no public input. “A Suspension occurs when the Postal Service stops operations at a post office due to an emergency or similar situation. The Postal Service resolves a suspension by either discontinuing or reopening the post office.”

Save The Post Office, Steve Hutkins

In February the Postal Regulatory Commission opened a Public Inquiry docket to invite comments about the large backlog of long-standing, unresolved post

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‘well-regulated militia,’ not a private citizen militia

18 days ago

What has become known as Assault Style Weapons:

Justice Scalia wrote in 2008 in District of Colombia v. Heller; the right to own a gun is “not unlimited.” For that reason, the Supreme Court held that state and federal authorities can bar firearms from schools and public buildings, while the people remain free to prohibit what Scalia called “dangerous and unusual weapons.”

Private Citizens are not Militias:

Adrian Fontes is a Democratic candidate for Secretary of State in Arizona and the former Maricopa County Recorder. His history includes being a U.S. Marine Marksmanship Instructor. I know a lot about the third point and maybe someone can enlighten us on the first two points.

Adrian has some talking points for 2nd Amendment absolutists.

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Armed Woman Engaging a Shooter

19 days ago

According to Charleston, VA Police; Instead of running from the threat, an armed woman engaging a shooter probably saved several lives the other night,

Police: Woman killed man who fired rifle into party crowd in West Virginia, (

“CHARLESTON, W.Va. (AP) — A woman in West Virginia fatally shot a man who began firing an AR-15-style rifle into a crowd of people that had gathered for a party, authorities said.

Dennis Butler, 37, was killed Wednesday night after he pulled out the rifle and began shooting at dozens of people attending the birthday-graduation party outside an apartment complex in the city of Charleston, police said in a statement.

The woman, who was attending the party, drew a pistol and fired, killing Butler, the

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Mike Pence Gains President trump’s Ire

20 days ago

“The day before a mob of President Trump’s supporters stormed the Capitol on Jan. 6, 2021, Vice President Mike Pence’s chief of staff called the lead Secret Service agent to his West Wing office.

The chief of staff, Marc Short, had a message for the agent, Tim Giebels: President trump was going to turn publicly against the vice president, and there could be a security risk to Mr. Pence because of it.

VP Mike Pence’s former Chief of staff, Marc Short was asked about a conversation with Secret Service Agent Tim Giebels during an interview with the House committee investigating the Capitol riot.

A person familiar with Mark Short’s appearance said.

The fact that Pence hasn’t completely turned-on Trump after all that, perfectly illustrates

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Political Happenings in Washington D.C. and Michigan.

21 days ago

Looks like some of the fun is just starting with Republicans being charged.

Hmmmm, Peter Navarro was cuffed, shackled, and taken to the D.C. Federal court and indicted for contempt of Congress. Peter felt he could ignore subpoenas from Congress. He could spend up to 2 years in prison for contempt.

Finally, one of the jacka**es at the top led off in cuffs and shackles! “I feel like break dancing.” Naaw, that wouldn’t be kool . . .

[embedded content]

“MSNBC Host Ari Melber and Trump Adviser Peter Navarro Spar in Bonkers Interview Over Coup Attempt” (

Navarro, who is representing himself (big mistake!) currently does not have a lawyer, spent much of his court appearance complaining to Magistrate Judge Zia M. Faruqui

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Corinthian College Inc. Student Loan Debt Forgiveness

22 days ago

Student Loan Debt Forgiveness for half a million students from Corinthian Colleges (

An approximate 560,000 Corinthian College Inc. former students will have their loan balances forgiven as announced by U.S. Secretary of Education Miguel Cardona.

“As of today, every student deceived, defrauded, and driven into debt by Corinthian Colleges can rest assured that the Biden-Harris administration has their back and will discharge their federal student loans,”

Formerly, Corinthian Colleges Inc. was one of the largest for-profit education companies in the United States. At its peak, CCi operated over one hundred Everest, Heald and WyoTech campuses throughout the United States and Canada.

Looking back at his original hopes for the

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Why Do Republicans Allow the Slaughtering of Children to Protect Guns?

24 days ago

May 24, 2022, Uvalde Texas

Authorities stood by and allowed one individual to slaughter the children at Robb Elementary School in Uvalde. The Uvalde police, Texas State Police, etc. who are to serve and protect all, stood by and disallowed others to go and rescue children. The calls kept coming in to 911 for help. How can you ignore the calls?

Not the first-time schools have been under attack. Shouldn’t we by now be on the ready for such assaults?

Our politicians still are offering up the same old, same old platitudes to offer. Little is being done to control the availability of firearms. Some even went to a NRA convention 300 miles away to celebrate bullet-spewing-weapon.

McConnell: “Our country is sickened and outraged by the senseless

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Senator Manchin Telling a Story

26 days ago

Senator Manchin has a million excuses for doing “nothing.” I am not sure why the rest of the Dems do not out him. Biden has negotiated with Manchin in private which I would not do as it leaves Manchin the ability to tell the story, a story each time he changes his mind.

There was a lot of hope for this administration as they had the majority in both bodies. One person is holding us back. Democrat in name only? Why? Maybe because if he were Republican, McConnell would show no leniency towards his stance(s). Be an independent? I am not sure he is that smart. As an independent, Manchin can not shift blame. With Democrats, he knows he can mislead and offer up the same old excuse of not being able to explain to his constituency. Maybe he should take

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Age of Warfare is Changing

May 23, 2022

Not quite star wars yet. The past and old age of warfare is changing as we watch the conflict in the Ukraine between one ill equipped small defender and the more modern equipped large attacker. It is only because of NATO and the US equipping Ukraine has the stubborn resistance held up.

The lessons to be learned from watching the Ukrainians beat the Russians is something which the US should be paying attention too. While our military may not be as poor as what the Russians are seen as, we could be in in similar trouble going against a nation which is similar to Ukraine. Also, home field advantage for the Ukrainians.

Our military is similar to what the Russians are fielding except the US morale is higher. That is not to say we are the same in

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LBJ, a man with gargantuan appetites and ambitions

May 22, 2022

I stole this comment from a place from I read on a regular basis. An Incredible commentary.

Having grown up in that era, I felt it had merit and believe the commenter gets it right. The programs mentioned here are under attack by Republicans. SCOTUS is using nondelegation as the basis to dismantle programs. Congress did pass these programs, allocated funds to support the programs, and established the means for administration. A program can be stopped by eliminating funding. If Congress allocates more funding, in itself it is affirming the legitimacy of such program by delegating funding to it. Congress does have the ability to legislate and provide funding for the program. Both are matters of delegation.

I believe some of the Justices at

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Baby Boomers Unretiring

May 22, 2022

“Will baby boomers unretire?” (, Molly Gamble, Becker’s Hospital Review

Me: I am seeing this phenomenon happening quite a bit myself with multiple inquiries on job status.

Millions of older Americans have returned to work in recent months, with nearly 64 percent of adults between ages 55 and 64 working in April. Essentially this is matching the share working in February 2020 and marking a more complete recovery than most younger age groups. This report according to a May 19 The New York Times . 

The return of older workers, whether by choice or financial need, has surprised economists. Americans ages 55-64 were not any more likely than younger workers to leave the workforce early in the pandemic. Economists had

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Your Subsidy Expires? What You Will Pay for Healthcare Insurance

May 21, 2022

As is typical, Charles Gaba at ACA has the answers to the question. Charles does a lot more of this type of analysis such as the Healthcare’s Three – Legged Stool, ACA Enrollment, Risk Pools, etc. All three of these are at Angry Bear.

I am not sure why Michigan state and federal legislators are not knocking on his door for direction on healthcare. By that comment, I am not talking about commercial insurance exclusively.

Ok, the question is what will people be paying for healthcare if the subsidies go away. Some will continue to pay nothing as they can not afford it. Others may drop back to less coverage. It does not look like Democrats are making much of an effort to save this legislation. And Joe Manchin? From Business Insider:

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“information regarding a tour you led through parts of the Capitol complex”

May 20, 2022

May 19, 2022 – by Heather Cox Richardson (, “Letters from An American“

Today, the House Select Committee to Investigate the January 6th Attack on the U.S. Capitol sent a letter to Representative Barry Loudermilk (R-GA), asking for his voluntary cooperation in their investigation. The committee members believe he has “information regarding a tour you led through parts of the Capitol complex on January 5, 2021,” the day before the January 6 insurrection.

The letter goes on to say that there have been public reports of both individuals and groups gathering information about the layout of the U.S. Capitol before January 6. In response to those allegations, the committee’s letter says, “Republicans on the Committee on House

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Bad SCOTUS Decision, Even Neil Gorsuch Joins Liberals

May 19, 2022

Adjudged to be AFFIRMED. Barrett, J., delivered the (her first?)  opinion of the Court, in which Roberts, C. J., and Thomas, Alito, and Kavanaugh, JJ., joined. Gorsuch, J., filed a dissenting opinion, in which Breyer, Sotomayor, and Kagan, JJ., joined.

Hmmm. Fill out an application for a driver’s license, make a mistake, by ticking the wrong box questioning citizenship, the state says you are still qualified to have a driver’s license. and the Feds throw you out of the country?

There is a certain point where one says, this is entirely wrong to do and they refuse to do it. Justice Barrett does not appear to have the Moxy to just say “no, this is wrong.”

Georgia Peach State prosecutors initially pressed charges. Later they found they were

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Decreased Pricing for Container Shipping

May 15, 2022

Having run a warehouse for a major $12 billion automotive component corporation, I can relate to container shipping globally. We shipped full containers to a number of countries on a weekly and monthly basis. This was dependent upon production demand.

Reporting good news, a trend, and extreme profits?

Peak of container shipping’s epic boom already passed?

Hapag-Lloyd: The fifth-largest container line sees signs the market peaked back in the 1st quarter. This may be the good news to date. As you can see container shipping prices (costs to us) coming out of Shanghai to NYC and LA peaked and are heading downward. To what extent given other factors, we shall see. Hapag-Lloyd Container is forecasting this based on future bookings.

Spot rates

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Not the Proud Ones or the Oathers this time

May 14, 2022

Amazing Republicans are trying to skew the peaceful (so far) protests of pro-choice consisting mostly of women as being violent. Not that they never get angry . . . they can and will. They are not happy with SCOTUS and are making it known peacefully. Cruz and others are trying to make this into something else similar to what Cruz was supporting January 6, 2021.

Waiting on V.P. Pence

Ted Cruz smugly sitting in the capitol building January 6th waiting for Pence to object to the Electoral Count. It did not happen.

January 6, 2021 Republican Party inspired Insurrection Timeline

1:05 PM, House Speaker Nancy Pelosi bangs the gavel to call the joint session of Congress to order.

1:12 p.m., Rep. Paul Gosar (R-Ariz.) and Sen. Ted Cruz (R-Texas)

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Medicaid Estate Recovery imposed on Medicaid enrollees

May 13, 2022

Andrew writes on healthcare, mostly the PPACA plan and the various metal plans, and the latest gig (ARPA) resulting in lower costs for anyone under 250% FPL and lower costs for anyone higher than 400% FPL.

All made possible due to Biden and Democrat’s American Rescue Plan Act of 2021. It will expire EOY 2022 and I doubt Manchin will help with it. Without it and other aid, This all could have been a 2008 Redux. Mostly, what you will catch me writing about is prices versus costs. How can you set a price or accept one if you do not know costs? The same applies to healthcare. Eighteen percent of GDP appears to be kind of high. . .


“John Roberts, James Joyce, the individual mandate, Medicaid Estate Recovery, and “affordable”

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This is as Explosive as Anything I have Read, “No Books. No Money. Just the Truth.”

May 13, 2022

Steve Schmidt has created his own Substack to tell his story. It is about lying, lying in politics, lying as a politician, and his lying. It is one hell of an interesting read, I only put part of this up. You can see the rest “here” or clicking on part of the title.

Steve Schmidt’s Substack, “The Warning”

Intro; “Steve Schmidt is a strategic advisor, who has counseled Heads of State, CEOs, leading athletes, major corporations, academic institutions and not-for-profit organizations on a range of highly sensitive issues.”

The Why of this Substack?: “There is a very significant, “exhausted majority” of Americans looking to move past this rotten moment in American life. They have lost trust and faith in government, business, media and

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