Arrange an In-Home Consultation

  1. Choose a date and time when both you and your spouse will be present.
  2. Begin by tapping on one of the dates below.
  3. Fill out the form completely.

NOTE: If you are NOT seeking Medicare or Medicare options such as supplementary insurance or Medicare Advantage or a Medicare Prescription Drug Plan or equivalent, do NOT check the Medicare Disclaimer on the Scheduling tool.  The disclaimer says, BY PROVIDING THE INFORMATION ABOVE, I GRANT PERMISSION FOR A LICENSED INSURANCE AGENT TO CONTACT ME REGARDING MY MEDICARE OPTIONS INCLUDING MEDICARE SUPPLEMENT, MEDICARE ADVANTAGE, AND PRESCRIPTION DRUG PLANS. Medicare and Medicare options constitute a portion of my business but not all of it.Therefore, this disclaimer is required by law. However, many and perhaps most of the families I help are looking for other types of products, such as life insurance, annuities, group insurance or health insurance and drug plans that don't require Medicare qualifications, limitations and restrictions. Do NOT check off the Medicare Disclaimer field if you are NOT looking for information about Medicare plans, Medicare Supplementary plans, Medicare Advantage plans or Medicare Prescription Drug plans or options. If you DO check this option, all calls will be recorded and stored for up to ten years, as required by law. You will then receive a text or email asking you to complete a separate Scope of Appointment Form, which will describe the exact purpose of the following appointment, as required by Medicare marketing and compliance regulations. This option is unchecked by default. You do not have to complete a Scope of Appointment Form unless you are inquiring about a Medicare program or options.If you aren't, then just schedule a regular unrecorded in-home consultation by following the prompts.

While my Medicare consultations are all virtual, I prefer in-home consultations whenever possible. I can also help over the phone or use Zoom for any type of service. For every in-home consultation, the purpose of the visit is threefold:

  1. Determine your needs and prequalifications to determine the optimal solution.
  2. Get you approved.
  3. Apply.

To apply, you will need the following five items:

  1. A list of your prescriptions and a summary of when you started/stopped taking each one.
  2. A summary of your health issues including when you experienced these conditions and when the most recent occurences were. (No medical exam, blood or lab tests will be required for policies under $500,000).
  3. Your bank account number to pay your premiums with. (Some carriers accept credit cards and social security cards, while others only accept electronic funds transfers.
  4. Social security numbers, dates of birth and contact information for all policy owners, beneficiaries and contingent beneficiaries.
  5. Your drivers license or ID.

Be sure to have this information ready at the time of your appointment. I can’t help you without it.

Your Existing Policies

If you have access to your existing policies, please have these ready to review when I arrive so we can determine whether you should keep, cancel or modify them. If you do not know which carrier your policies are with or what your current premiums are, check your bank statements. If you are not making payments monthly, you probably don’t have a policy. If you don’t have a copy of your policy, show me the phone number on the bank statement where you are making your payment when I arrive. I will make sure that both you and your beneficiaries have a copy of all of your policies before I leave. If a policy is with an employer, you probably do not have a policy since you don’t own it. Instead, you may have a certificate. Employer insurance policies often offer far less than what employees assume they do. The same is also the case with PreNeeds policies, renewable term policies, graded policies. I will discuss this with you when I arrive.

Location Matters

All in-home consultations must be in the greater Tallahassee, Florida region, where I live, or possibly Southern Georgia, where I’m also licensed. If you live outside of the Big Bend region or far from town, I prefer to help you by Zoom rather than by phone, so I can see you and you can show me your ID. I also prefer to see the faces of the people I help. Visit my Licenses & Certifications page to see which states I am authorized to serve families in.

Be aware that I am not licensed in every state and not every carrier offers the same products in every state. However, if you are not a Florida resident, in most cases I can still help you. Be sure to let me know what state you are an official resident of before booking your session with me, so I can prepare for our meeting in advance. Otherwise, I will assume that the address you list is the address of your official residence. Florida residency requires that you generally live at your address for 180 days out of the year or more. A Florida drivers license is normally sufficient to establish that you are a resident. If I am not licensed in your state, please let me know where you are. I am always interested in expanding and need to monitor demand.

Arranging a Consultation through Zoom

If you live outside of Tallahassee or the immediate region and I am licensed in your state, I can help you through Zoom. Be prepared for your session with all of the information listed above. For virtual applications, whether by Zoom or telephone, some signature verification by text or email may be required. If you are married, your spouse will have to join our meeting. Make sure they are available before you choose a time. Tap on one of the dates below, choose a time and answer all questions completely. Please note the Medicare Disclaimer above before completing.

Arranging our Consultation over the Phone

If you don’t have Zoom, I can help over the phone. This may involve a two call process, depending on the carrier and program. Each carrier has its own application procedures. Rule number one is be patient. Sometimes, I can help in just minutes, but other times, it will take twenty or thirty – and if you need multiple policies, and from more than one carrier, which is often the case, then we will need more time than a single session normally allows, so I’ve set phone appointments to fifty minutes instead of the usual thirty. I know everybody on the Internet these days wants instant gratification. Be patient. To book a consultation over the phone, click on a date below and choose a time when you and your spouse can both talk. Also, please note the Medicare Disclaimer above before completing. If you are inquiring about Medicare or Medicare options, the process will require some additional steps. Otherwise, simply proceed.

Twelve Life Insurance Myths

Every Monday and Thursday I spend all day booking appointments to help families with their life and final expenses. I like to meet families face-to-face when I can. It helps me know who I’m helping. I literally love helping people. It gives me a sense of purpose. And I love the way people think about the people they love. It renews my faith in humanity. But a lot of people won’t let me help them because they are confused. This is a very serious problem. So, today I’m going to clear up this confusion by addressing the twelve most common erroneous assumptions people make about me when I call to book an appointment, almost always hurting those they care about in the process.

Tap on the insurance myth that describes what you were thinking when you hung up …

Look at the list below. Click on the myth that describes your last conversation with a life insurance broker like me. It will show you what we were thinking when you told us you didn’t want our business and hung up …

  1. You were thinking, “Why is yet another telemarketer calling. *$%#^$?!”
  2. You assumed I was trying to sell you something.
  3. You asked, “can you just send me an email with a quote?”
  4. You said to me, “I’m not interested.”
  5. You told me, “I already took care of it.”
  6. You have a policy from work.
  7. You’re prepaying a Funeral Home.
  8. Your “PreNeed” policy is all you need.
  9. You avoided me because someone said you wouldn’t qualify.
  10. Your spouse said it was too expensive.
  11. You got a really good policy through the mail.
  12. You told me, “whole life insurance costs too much.”

Watch the video below that fits. And then if you want to become a quick expert on life and final expense insurance, watch the rest. When you’re ready to do business, fill out the form at the bottom of this page to book an appointment. Then after I’ve helped you, join in the fun and satisfaction I get out of all this by sharing this page with your friends. 🙂

Myth #1 – I am a telemarketer.

If I am calling you, there is only one reason I’m doing it. You requested information. I don’t make cold calls. Now to be sure, depending on how the request came in, there may be more than one agent who follows up on it, but more often than not, people looking to protect their loved ones will make the mistake of submitting multiple inquiries while it is on their mind. That can trigger a flurry of never-ending phone calls. Even if you just filled out one online form to the wrong place, many agents will call, rather than one. And the problem just begins there. Something that makes me even angrier is that social media, Google, and other generic sources, will often sell “leads.” In fact, big data, as it is called, is even known to resell the same leads to multiple buyers.

I respond when you’ve contacted me for help. Do you know how frustrating this is?

So here is my reality. I don’t ever know when any of that has happened when I call. If you’ve received too many calls, then you’ll hang up on me, thinking I’m a telemarketer. At that point, I can pretty much guess the reason, but by then it’s too late. Of course, I can totally relate. I hate to get sales calls too. It drives me bananas. I don’t blame you for hanging up, or even cussing me out in the process. What does bother me most though, is that I’m not helping someone. I happen to know that more often than not, people actually do need my help. They just don’t know it. And when they hang up on me, I’m not given the chance to help them.

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Myth #2 – I am a salesman

While some people are natural-born salesman, I am not. I stutter when I speak. And the older I get, the more pauses there are as I search for words. Plus, I have ADHD and easily move off topic. I’m the opposite of a smooth talker and I’m no extrovert. If I make a video, I’ll have to edit it a lot just to speed it up to a normal pace and remove the ands and ums. I can also write. At least I can do that. I know this about myself. That’s why when I graduated from ASU and started to get offers from Insurance companies, I didn’t apply. I knew they needed smooth talkers to push their one-size-fits-all products onto people that those products might not be best suited for.

It seemed both better suited to my own personality and to my sense of ethics, to be in the business of helping people find what they needed, rather than to convince them they needed what I happened to sell.

Salesmen and consultants are two very different things. I’m not a captive agent!

You should know how this works. I am in business for myself. I’m an independent agent who works with dozens of companies that each has many products. Most agents work for insurance companies as employees. Those agents are very limited in what they can offer you and they have to sell one-size-fits all policies. Very typically, those policies will not be in your family’s best interest. Me, I make a great teacher. I prefer to help someone shop and make the best decision. My role is that of a consultant. I save you time because I can connect you to the products that will help you the most within your budget. If you ultimately are able to find an insurance product that gives you more coverage, or the same coverage for a lower price than I can find you, I will thank you for finding that for me and seek out that company so I can contract with them to provide that product to any future clients I have that fit your profile. But that rarely happens because I’m plugged into a very sophisticated system that has already done most of that work for you. I already have contracts with all the best A-rated carriers.

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Myth #3 – I can send you a quote.

Look. Let’s be realistic. I’m here to help people – not waste my time or yours. If a letter doesn’t have a first class stamp in my house, it’s going into my trash. How about you? And if it’s going to my email, I’m probably going to delete it. How much of your junk email do you read?

What good would a quote for a policy you didn’t qualify for do you?

But even if that wasn’t the case … even if you did read it, what would I send you? I need to know what you need first. And I need to know what you qualify for. Otherwise, you’ll be shopping for something you can never have. Do you want a multi-million dollar mansion? So do I, but if I don’t qualify for it, I won’t waste my time, or my realtor’s, trying to buy it. That realtor is going to prequalify me. Until I’m prequalified, they won’t even talk to me. So, ask yourself this question: how much time and effort does getting prequalified to buy a home take you? You have to supply bank statements. Don’t you? You have to have a credit look up. Right? That means you have to give them your social security number and your bank account info. Doesn’t it? Yes, it does. And you’ll need to verify your identity with something, probably a driver’s license. I’m going to need certain information too.

It won’t be quite as detailed as buying a home, but I can’t give you a quote without knowing what you qualify for. You should be aware that that’s going to happen no matter where you go for insurance. If you do get a quote without that information, there will be a catch. I’ve warned you. Beware. I do want to give you a quote, but I’m going to have to prequalify you first. That should take about ten or fifteen minutes. Most of the information you need, like what prescriptions you take, will be at your home. That’s one of the reasons I prefer in-home appointments. Sound fair?

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Myth #4 – You are not interested

By the time I reach you, it’s always possible that you’ve already bought insurance, but when I’m calling back about the information you’ve requested and you tell me you’re not interested, I’m going to think that either you tried to get insurance somewhere but weren’t qualified, or that you did qualify but it was too expensive, maybe somebody already came over to help you, or maybe you bought something you found in the mail. I’m not going to think you weren’t interested. That would mean you didn’t care about your family and at some point you were asking about benefits for them. I’m assuming you just don’t want to talk about it.

There are people you love. Don’t tell me you weren’t even curious.

So, put yourself in my shoes for a moment. When you tell me you are not interested, expect me to ask you why you changed your mind. And if you do give me time to ask you that before hanging up, please try to understand why I’m asking. I’m asking because I care. And I care because I know that in every one of the most likely explanations I just mentioned, it’s most probable that you could have made a better decision. What’s more, if you would just give me the time, I would be able to show you how to correct it. And that could make a huge difference both for you and for those you love. The most common underlying reason is that you already took care of it and just don’t want to talk.

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Myth #5 – You already took care of it

Caring for those you love is something you maintain and double-check. It’s not something you don’t periodically review, and I want you to really think about this. If you had a child who was sick, you would take them to the doctor. And if the doctor gave you a certain drug you had never heard of before, would you trust them? Or would you trust your friend who used home remedies? Even if you had a doctor, if your child was about to die and needed surgery or some difficult treatment, wouldn’t you seek a second opinion? Of course you would. You haven’t taken care of your child if you haven’t consulted a licensed professional. And even if you have, you haven’t taken care of them without a second opinion. You allow your doctor to revise your prescriptions. Allow a licensed independent agent to review your policies. You are not truly taking care of your family if you don’t. So, you haven’t really taken care of it.

Here’s what an insurance broker is thinking when you say you already took care of it

Now these days, a lot of people go to Google to learn a lot of things and people self-prescribe the right thing more often than they used to. And that’s a good thing often enough, especially for those who avoid doctors because of medical bills. But second opinions from independent life insurance agents cost you nothing. An agent like me will check your policies without charge because more often than not we will be able to make a significant improvement over your current policy – either qualifying you, when you couldn’t qualify before, or getting you more coverage for the same price, or perhaps the same coverage at a significantly lower price.

And it involves much more than mere price. It also involves misunderstanding. Check through the other myths I’ve singled out here. For those who’ve already purchased insurance policies, it is very common for people to think they have more coverage than they actually do, or to think that a policy is much cheaper than it actually is. Be sure to watch all of the myth busting videos on this page and see for yourself what I mean. Even if you have already taken care of it, then share this page with a friend who probably hasn’t. Even if you’ve truly taken care of your family, have you cared for your friends? Share this with them.

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Myth #6 – I have a policy from work

Employers contribute to health care plans and sometimes offer life insurance policies as a benefit, in addition to retirement plans. However, there are several things you should be aware of before relying on an employer’s insurance plan for either your health or to protect your loved ones when you pass away or if you become disabled.

First, be sure your company’s life insurance is not “key employee” insurance. Key employee insurance is not a policy for you or your family as a beneficiary. It is a policy taken out on you with the employer as the beneficiary. It keeps a business running when a key employee dies. It does nothing to help the employee’s family at all in the event of their death.

Let a licensed professional review the life insurance policy your employer is providing.

Second, only a handful of employers anywhere offer individual policies for their employees. Most often, if they offer life insurance at all, they will offer group term policies that will lapse when an employee is no longer able to work, which is unfortunately typical if an employee suffers from a long term illness. It is very tragic, but when an employee gets a fatal disease and is unable to return to work for a given period of time, usually just thirty days, they may be able to extend their health benefits if they personally contribute to a COBRA policy, but the life policy will not be offered without a health examination. Of course, no one with a terminal illness will qualify for a life insurance policy. Unless your employer is offering a whole life policy that is portable, your employer’s life insurance policy will be of no value to your family.

Third, you should own your own policy. Even if your employer was providing you with fully portable whole life policies, they could still decide to cancel every policy every employee had at any time, all in one group fell-swoop. If its going through an aggressive hiring phase, an employer might over-buy benefits to attract new employees. But if it is going through a lay-off phase, it will typically choose to trim benefits rather than lay off employees. Your family matters too much for that sort of risk.

The bottom line is that you should own your own policy – not rely on an employer’s policy. Statistically, only 2% of employer policies pay out as employees expect them to. So, when I hear someone on the phone tell me their employer offers a policy, I cringe. How can I explain all this before they hang up? It’s hard to know where to begin. That’s one of the reasons I prefer to discuss this at someone’s home rather than over the phone. At your house, I can look through your employer’s policy with you. I can check every policy you have with you. Think of me as a doctor giving you a check up. You are not the professional. I am the professional. Google is great, but it doesn’t have a license. I am the one who studies this round the clock so I can protect you.

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Myth #7 – I prepaid my mortuary

Typically, a person will choose to prepay a funeral home or crematory when they’ve discovered the hard way that final expenses can be a huge burden on a family mourning a loss. This motive is a really good one. You don’t want the same thing to happen to those who survive you as what happened to your family when someone you love passed away. But to be frank, it’s not as good of a solution as final expense insurance. And its not hard to understand why. So think about how all this works.

When you prepay for your funeral, your plot, your casket, the burial service, maybe a ceremony with a pastor followed by a luncheon, your cost will be something a little greater than the cost of a luxury car, even if you try to trim expenses through cremation, assuming cremation is allowed according to your faith tradition. And like the cost of cars, the cost of funerary services and items for sale keeps increasing year after year, often out-pacing inflation. So, when you pay for all of this ahead of time, you are thinking you are skirting inflation and solving the problem by removing a huge burden from your family. You are sending them one last message that says you thought about them. You told them you loved them one last time. It is such a beautiful gift. And it gives you peace knowing you’ve taken care of it.

Great. In a lump sum? Or are you still making payments?

The problem is that unless you pay for the whole thing in advance with cash, you will be making payments to the funeral home, and until you have paid them in full, the remainder of the cost will be imposed on those who survive you. Funeral plots have deeds and like any real estate, deeds are subjecty to liens. And the truth is, most funeral homes won’t do anything for your family at all, unless the bill is paid in full. There will be a lien on that property untill all bills are paid. So, you may just have created a problem rather than solved one.

Contrast this with final expense insurance. With final expense insurance, you get the full amount of a policy from day one. It doesn’t have to be paid in full. If you have an accident and die tomorrow, all of your final expenses will be covered. Whereas, when you prepay a funeral home, unless there is a clause in your contract stating otherwise, any credit you have paid in advance to the funeral home, they get to keep. Just like a bank, they can foreclose on your property when you don’t pay. So, if your family can’t pay the balance, that’s their problem. This is so tragic. I hate to have to explain this but this is what it looks like. Whereas you thought you picked out your final resting place, your body, or cremains, can easily wind up spread out over a lake or under a tree somewhere. Who knows, but it won’t be where you thought. And more importantly, the ones you love will be anything but relieved with that arrangement. I hate to be frank about these things but it is important. You do not want them to be upset with you after you are dead for mishandling what you’ve left them with.

Now all this begs a question: what if you’ve been paying a funeral home in advance, hoping to care for your family, but now you realize this whole arrangement may have been a huge mistake? I know I’ve painted a very bleak picture here, but there’s good news. Don’t worry about it. All you have to do to fix this is take out a final expense policy. Keep paying the funeral home. You’re on the right track. The policy will pay the remaining expenses owed to the funeral home in the event of your death, plus whatever more you decide to bless your family with. Problem solved. You’re going to need me for that, of course. So please don’t hang up on me or close your door telling me you’ve taken care of your final expenses, when all you’ve done is start prepaying a mortuary. Good for you. Now let’s really protect your family.

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Myth #8 – My PreNeed policy is all I need

Seeing the basic problem I just addressed in Myth #7, the Funerary business came up with a sort of insurance policy that would pay out the full amount of the cost of Funeral expenses known as “PreNeed.” PreNeed policies are a step in the right direction, but they are far from ideal. Yes, they do pay out the full face amount of a policy so long as you pay your premiums. But that’s where the benefit ends. And they’re not what you might expect.

For one thing, suppose you have a PreNeed policy for $10,000 that you take out when you are sixty five years old and you pay a $100/month. That’s $1,200/year. So by the time your seventy three, you’ll have paid in the full amount of the policy. So, what will happen if you live to eighty? Well, you’ll have to keep paying $100/month to keep your policy or you will have nothing at all, even though you’ve paid in $10,000. By the time you’re eighty, you will have paid in about $19,000 for your $10,000 policy. Do you see what a bad net outcome that is? And that’s just one problem…

Is it irrevocable? Let’s look at the fine print and the laws in your state.

A possibly even greater problem is that PreNeeds policies from funeral homes don’t assign the family as the beneficiary – at all. The funeral home is the beneficiary. Think about that. So, what that means is that the funeral home is going to upcharge all it can, while it scrimps on as many of its costs as possible, so that it gets 100% of the face amount of the policy with a minimal expenditure and maximum net profit – even if that happens when you’ve paid more than the policy’s face amount, like I just showed you.

So, let’s be realistic here. Businesses are in businesses for profit – even businesses that serve families in their time of grief. By paying a business a set amount, the business is most likely to trim its costs and upsell more and more services as necessary, to retain all it can of the face value that the insurance offers. You’ve seen health care companies jack up prices to do this. The funerary business is no different. Once you contract with the company and have an insurance policy that will pay a set amount, free market competition is no longer a factor. A competitive market place is what serves the public, driving down prices. And once the funeral home is chosen as the beneficiary, the family can’t exactly take their business elsewhere.

Now to be sure, there are some laws regulating funerary contracts. Some are irrevocable and fall under planning laws, depending on your state, and those laws may require expense planning to avoid the exploitation of consumers this way. Revocable contracts, on the other hand, may allow you up to a 90% refund at any time during the contract. The upshot of all this is that it may be worthwhile to switch from a PreNeeds contract to a whole life policy for a number of reasons. Certainly, you should weigh it out. For one thing, whole life policies normally assign the family as the beneficiary, not the funeral home and give the family the liberty to spend proceeds as they see fit. This may involve the cost of airfare and other expenses such as time off work, that are often overlooked, and definitely not covered in PreNeeds contracts. Always keep in mind that any monies left over after final expenses are paid, are not subject to probate or taxation. They are gifts to those you love. That’s why life insurance policies are the ideal way to bequeeth savings.

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Myth #9 – I won’t qualify

As true as it may be that the older you are the more expensive final expense benefits become, I should let you know that there is at least one A-rated carrier that covers those up to age 89. You might also want to consider that when you are that old, you are likely to not pay premiums for as many years as someone who is much younger, so your total cost may not be that much higher than your younger peers would pay after all.

I also know which carriers offer the best coverage for those with serious health problems, including cancer, heart attacks, strokes, diabetes, kidney problems and so on – you name it. Typically, these will be graded policies, which means you won’t get the full face amount of the policy until the third year, but as graded and modified policies go, I know how to find you the best value. The first thing I should say about this is to look closely at the terms. Most graded policies offer something called a 10% return of premium. This means you are offered a benefit of 10% of the total premium you pay during the first two or three years on a policy. Compare that to a savings account. Where can you get 10% guaranteed interest on a savings account? Nowhere. And show me a savings account that suddenly pops up in value in the third year to tens of thousands of dollars. It’s a no brainer investment. I’m a specialist in finding you these.

Never say never! You can be on your death bed and I’ll find you a policy.

That’s good news, but it gets even better. Modified policies, with the right companies, pay even more even faster. As long as you pay your premiums, the value of your policy will jump up from year to year. So for instance, if you’ve got a $30,000 policy that pays 30% of the value after the first year, 70% after the second year and 100% of the value after the third year, your family would receive much more than their return of premium plus 10% back, as they might get with a graded policy. For example, if you passed away in month 15 and the policy paid out 30%, that would be $9,000 to your family. If your premium had been $100, you would have only paid in $1,500 at that point. That’s much more than 10%. It’s 600%.

I’m not going to say that I can qualify every single person for all the insurance they want. But I am going to say that in over 99% of cases, it is going to be a myth to say you don’t qualify at all, and I can get more people qualified than most other agents can due to the large number of carriers I can call on. Therefore, you probably will qualify – maybe not for a million dollar policy, but for enough to help your family out when you pass, having done what you could. If your family wants more than the best you can do, then please give the money to me instead. They are ungrateful and I wouldn’t be. I can think of all sorts of charities I would rather give that money to.

Okay. I’m kidding. Give the money to your family. But do be realistic. I’m here to help you. I don’t want to waste my time. And I don’t want to waste your time. I’m happy to help you do what I can.

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Myth #10 – I don’t have the money

This is probably my favorite complaint. When people say they don’t have the money for life insurance, it tells me they are responsible people who have priorities. They may value a policy, but they are figthing the good fight of daily life, quite possibly living from paycheck to paycheck, as they start to see inflation get the better of them and defeat them in the rat race. As they seek to trim expenses wherever they can, to stay within their monthly budget, especially husbands and wives, they see a final expense policy as something they might be able to put off until some later date when they can finally get a break in life … some good news, maybe a new job, maybe some windfall like winning the lottery or being the beneficiary in some lawsuit.

I do deeply appreciate that thought because I’ve experienced that thinking myself. But it overlooks the fact that the cost of insurance is never lower than what it is today. Year by year two things happen. #1 – Our age increases, bringing us closer to our last day on Earth. And #2 – we start losing our great health. Both of these factors chip in to increase the cost of life insurance at a later age. And for couples, the chances of bad news are doubled. Typically an income will disappear. Who will pay the bills when they are gone? How long will it take to make an adjustment to living arrangements? Will a bank foreclose on your house so the surviving spouse loses their hard earned equity?

This is worth an extra paragraph or two to really think about.

Think ahead and keep in mind that younger people qualify for better policies that older people can’t get – and they’re cheaper. Many of these policies offer cash back options too. Whole life insurance, in particular, is easy to borrow on. Its cash value can be used to collateralize loans, maybe buy a house so you don’t have to pay rent any more. Other policies serve to force savings you wouldn’t have the discipline to lay aside otherwise. And if a person is older, there are many policies that offer living benefits. This means that if the policy amount is needed early for things like chronic or fatal illnesses or assisted living, the policy will cover those expenses. It saves your family from paying for your medical expenses when you get old. And that’s as much of a final “I love you” as paying for a funeral expense. It may be something you all want.

We all do what we can. But if you really want to have value, where you don’t have to compromise in the end, start early. When you are young, you may think that you can’t afford it. Just be aware that I can show you policies that allow you to build up incredible cash value. Ask me about IULs. Not only do they build up cash value, but they are indexed to stock values in such a way that if indexes like Standard and Poors go up, they go up with it, but if the S&P goes down, they hold at 0%. Amazing, and you can borrow from them at very low interest rates. You might just discover that the whole policy has a net zero cost.

Finally, you should consider accidental death benefits. The number one cause of death among young people is accidents. The younger you are the truer this is. Among teens – accidents account for almost half of all deaths. The nice thing about accident insurance is that only dare devils and people who die committing federal crimes don’t qualify for it, and it’s the cheapest insurance there is. Even if a younger person just puts in a few dollars a month into a policy, they can make a huge difference to their families when they die. Minors are typically covered with a few extra dollars added to an adult’s policy too. Always ask about children and grandchildren riders on your policy. Some of those riders offer options to continue insurance as separate policies when the child gets older. And that gives them even more value.

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Myth #11 – I already have a policy

A lot of people think they have insurance they don’t really have. It’s very common and here are the main reasons why. To start with, ten thousand Americans turn sixty-five years old every day, which means suddenly they can officially collect social security. They are on a fixed income for the first time in their life. The banks know it. Direct mailers know it. And they know that everyone needs to make a plan for their final days so these people are top targets. What senior citizen hasn’t filled out a few forms in response to this? Mailer after mailer will offer policies for pennies. A lot of citizens get tired of thinking it’s too good to be true. Even your local bank, in whom you trust, has offered you some free starter insurance, hoping you’ll buy more. How can you resist?

Really? What kind? How much? Who with? What are you paying? What’s the catch?

Insurance consultants, like me, know something about all this. We’d be willing to bet that that convenient form that got filled out leads to one of three things – a graded policy, a renewable term policy, or to an accidental death policy. The first type doesn’t pay the full benefit the first few years. The second keeps increasing the price and ends at a certain age. And the third is really accident insurance. It won’t cover any death by natural causes. Even if a well known and trusted bank name is under it, senior citizens need to understand what they’re paying for.

And I have a question. Are banks really in the insurance business now? Rest assured, your bank is not in the insurance business and neither is your credit union.

But maybe I’m wrong. It could be a valuable policy – or at least seem that way. Beware because there’s a very good chance it has an introductory price that is scheduled to increase after five years. It’s actually renewable term insurance rather than whole life. At an older age, this matters a lot. A five year term at age 65 is pretty cheap. Most people live past seventy. From 70-75, a lot more people die. So what happens to the premium cost? It goes up. And then what about the five years after that? You may have a renewable term policy that says it’s good to the age of a hundred. Don’t let the high age on that contract fool you. That insurance company is hoping you won’t notice the fact tht the premiums are not level. They are going to increase. Have they made it clear to you how much the premiums would be once your reached the age of 80? How about 85?

Do you see what I’m up against? You might just have several of these types of policies before you meet me. And you’ll likely ask yourself, what do you need me for? You’re thinking to yourself, you can just keep adding more and more policies you’re getting in the mail. They’re cheap. You’re insured to the age of a hundred, for some huge amount, and you’re pretty sure that you can afford it. But really you can’t. And you won’t know that because you won’t let me in your door.

So, what I have to do, if you let me in, is get you to call all of your insurance providers and get them to tell you directly what’s going to happen when your term renews, when it will renew, how often, and what the price will be when that happens. I’ll also want to know what sort of graded policy you were issued, because you may just have no insurance at all. This may require you to look for your policy, but I will help you. If you’ve lost your policy, you can get a new one. And if you can’t remember who your insurance providers are… (Good grief, I can’t remember why I was looking for my keys in the refrigerator a minute ago)…. If you can’t remember who your insurance providers are, then all you have to do is check your bank statements.

Thank God for bank statements. Every month, you pay your insurance bill and every month, your bank statement will show you both how much you paid and who you paid it to. If you want me to help you go through that I can. I’ll put us on speaker phone talking to your insurance carrier myself, both of us together. I’ll make sure they send copies of your policy both to you and to your beneficiary, so they’ll know that you have it. You do realize that your loved ones and the charities you want to bless when you die won’t receive a penny unless they know you have a policy. Right? So I’ll make sure you have all the copies of your policy you need.

But do you know what I won’t do? I won’t ask you to cancel any of your policies unless they are completely worthless. We’ll figure that out together. And then I’ll see what kind of an actual whole life policy you would qualify for – one that won’t have increasing premium costs; one that will last until the day you die; one you can afford when it’s most likely to be essential that you can.

Friend, in your final years, you are on a fixed income. You can’t risk making bad decisions. It’s my job to protect you. It may take some work to give you a good insurance check up. Be ready for that when I come to your home, both you and your spouse if you’re married. It’s some work, but that’s what I do. And it’s worth it. I’m a licensed professional. I don’t work for any insurance carrier. My business model is built around helping you avoid the misakes that thousands of others do so that you can get the best coverage and protect those you love for a price you can afford. That’s my job. I rarely give a thought to what I get paid for it. All I care about is you. I just need you to let me help you. A consultant and a salesman may both be paid commissions but they are two very different things.

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Myth #12 – Whole life is too expensive

If you don’t like whole life, I can consult with you on term life instead. As I said in a previous video, the carriers I work with have dozens of products each. Many of them are the best term products in the industry. Everybody shops price, price price, but my job is to educate, educate educate.

Of course, I know you can get a much larger policy for a far lower premium! Particularly when you are younger, term policies make really good sense. All I ask is that you think about what you’re betting on. You see that a term policy would certainly help those yoou love if you did happen to die within the term. But if you outlive your term by even one day, and you don’t pay extra for a cash back or return of premium option, then you’ll lose every penny you paid in. So what seems like more policy per dollar can easily become valueless the day the term expires. See how that works? It’s a tradeoff. It’s a gamble.

“Coverage” means covering every possibility.

But did you know that you can have it both ways? If you want the high value of a term policy with a low premium that converts to a whole life policy at the end of the term – irrespective of your health at the end of the term, I know of a carrier that will convert your policy. You can also stack policies – one can be whole life while another is term and you can pick and choose products from multiple carriers to optimize your protection. If you can afford it, I recommend you start stacking insurance policies of different types early because your health and age are going to keep driving up the cost of any whole life policy you eventually buy. Conversely, if you don’t buy young, you risk being forced to apply for a policy when your health is declining. That will drive the price up much higher than it is right now.

In the long run, I’d generally recommend having a good whole life policy as a base. That should be your core long term policy. Let it build up value as you age. Consider it a savings plan you can borrow from for the rest of your loife. You can’t borrow on a term policy. Unless you have a rider for return of premium or a cash back option, a term policy has no cash value. Add a term policy to your whole life policy.

Following my advice is particularly important for young couples. Not too many people live forever, and bad things happen to good people way too frequently. When you and your spouse take out policies for one another, if the worst imaginable news comes to your home, at least you won’t have to feel the full brunt of the financial impact of losing part of a two person income while you’re grieving. You may be able to prevent a foreclosure on your house. You may save its equity from going to a lender with a lien. You may buy yourself enough time with your benefits to make new living arrangements.

Whole life may cost more than term, but if it acts as a savings account and also protects you against life’s worst nightmares, it isn’t all about face and premium amounts. It’s about dealing with life itself. If it pays for itself, as many do, then your net cost is zero. Which is more expensive then? Let me help you with both term and whole life policies. I’m here to help you think it through. I would never steer you wrong.

You’re welcome!

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As I gazed into my phone on January 22nd 2021, it occurred to me that AI was tracking me in many ways. It happened while I was hearing the news. I hadn’t always agreed with Tucker Carlson. I’m progressive in a number of important ways – more than progressive really – I envision a very different America, a much better one, but I always found Carlson fascinating. I liked his independence. I liked that he didn’t support foreign wars. I liked that he would expose hypocrisy wherever he saw it. And that night, he warned us that the Democrats wanted to de-program Trump supporters. Anyone who voted for Trump was being treated as seditionist. A Trump supporter vetted National Guard in Washington, in the days following January 6th, was a sign that they, and me by association, were now considered enemies of the state. It didn’t matter that I had actually written my own name in on the ballot instead of checking off Trump.

For all appearances, it did look like I just voted for Trump, and I half-way did. I agreed with him on some vital points. It looked like I’d disagreed with the election outcome, as well, and protested at the Florida state capitol. And I had. There are pictures of me on the Internet dressed like George Washington, standing in front of a yellow “Do Not Tread On Me” flag someone was waving. I thought it was amusing at the time I took it and that flag stated very brilliantly why I was there – not because I wanted to start a war, but because I wanted to decry the abuse of power.

Protests are a blast that way. And dressing up is fun. I’ve been seen at the Capitol dressed as a leprechaun before. I’ve also worn my rainbow suspenders during Pride Fest. But just because I’ve attended Pride events, neither does that mean that I agree with everything the LGBTQ+ movement thinks. Protests give each of us a chance to express ourselves individually, not just as groups. Freedom of expression is one thing I like very much about America. And people like me, especially, people who have very independent opinions – we really need an outlet to communicate our thoughts. But unfortunately, because of the way groups communicate and brand themselves, the thoughts of independents like me are often misinterpreted. Sometimes, we have to take a step back and clarify what we mean. So today, I’m gong to help you interpret this picture.

The first thing you should know is that I stand alone. I am a leader. If you find you agree with me, come join me. I do not belong to any group. And to be clear about what was going through my mind on January 6th, I thought there may have been sufficient evidence that Trump had actually won the 2020 election.

Many say this thought had no basis in fact, but that’s not the case. I had looked at both the evidence from the hearings, starting in Philadelphia, and I had also read the fact checks and responses. In themselves, those were not conclusive. There were too many anomalies and I was not convinced by what the fact checkers were saying about it. They claimed that the evidence was invalid. They claimed they had debunked it. Universally, they used the term “baseless.” And that term was then applied by the corporate media and cable news.

But wait a minute. That same corporate media had just been complicit in impeaching that same president with a Russia hoax, and then with a Ukraine hoax. Those same news organizations had just finished repeating ad nauseum countless falsehoods and misrepresentations. Excuse my skepticism, but my confidence in the fact-checkers and the media that utilized them was at an all time low. In my opinion, the matter of the 2020 election would have rightly been fought in court. And almost every court case had been refused on standing. The merits of the case had not been considered in 98% of the decisions. The case was, for the most part, never heard. It didn’t feel right. I had seen compelling evidence that the election may have been stolen – most prominently Syndey Powell claiming she was about to release “the Kraken.”

As it turned out, no Kraken would ever be released, but no one knew that at the time. All we had was Powell’s alarming certainty. And it begged the question: why would a highly paid lawyer express such confidence publicly, knowing she would fall on her face? How could she not have seen the evidence she was boasting of? She was putting her career on the line. I found that one simple question significantly compelling.

In hindsight, there may have been some fair explanations. Perhaps, she had misinterpreted the material facts. Maybe she herself had been misled. That might explain it. Or on the conspiratorial side, was there some Seth Rich or Jeffrey Epstein-style intrigue going on that removed some evidence she once did possess? Arguments by abduction put the idea that there was no evidence in the first place into an unlikely category. The most implausible explanation is that she was just lying through her teeth. I didn’t know the answer, but I sure did want to let the facts be thoroughly explored in court. And I was guessing that maybe some of these facts may have arrived into the hands of those who would object to the certification of the election in key states. I was wating to see how the Congressional procedure that day was going to work out. If the courts had denied a venue, the Constitution hadn’t.

My presence at a protest was intended to show I supported a legal constitutional fight. My understanding of the constitution was that if both a house member and senate member challenged a certification for a state, that a two hour debate would ensue. I was praying that truth would prevail. The Arizona certification was challenged first. I listened to some of the comments by senate and house members. I was disappointed that none of them presented the evidence I had seen, but chose to talk about sixty court cases rejecting Trump’s case, even though I was of the understanding that almost none of those cases considered the merits of the complaints.

Quite the contrary, it had seemed the judges were afraid to challenge the election. Their careers were on the line. And then I saw Lindsay Graham say things about the use of this constitutional provision that would have made that provision meaningless, as if it was just a ceremonial procedure built on tradition, rather than meaning. I didn’t buy it. It didn’t seem to me that there would be any point in having the ritual that constitutes the business of January 6th at the U.S. Capitol if it has no purpose beyond a ceremonial one. Is that what we pay these people for? Song and dance? And to be sure, Democrats had challenged several certifications this same way in the past. No one had accused them of an insurrection when they did. January 6th, 2020, as it turns out, was all about treading on George Washington’s ideals. Graham’s interpretation was a watering down of the intended potency of the Constitution – the will of the people.

But I know that the costume and flag made me look like a radical. Looks can be deceving, epsecially at protests. Messages are bold. Lots of people dress up to express themselves. It’s festive. Like I said, I blend in as an independent at Pride Fests too. I’ve always admired George Washington and I’ve had that costume for decades. I even have his death mask on my bureau. I once tried to make a silicon replica of the authentic face of George Washington. It was part of the Ghost Machine experience I had invented. Did you know I had invented an app? The app would pay to have actors dress up as famous dead people. They would appear at parties and shopping centers. What fun!

But January 6th was an expression of the hope I had that justice would be served and America could be restored unstolen if it had been. I was using the costume for another reason.

Maybe it was. Maybe the election had been stolen. Or maybe it hadn’t. A lot of people thought it had. They spoke of fighting for justice. I don’t think they meant physical fighting. I think they were referring to legal remedies and campaigning in future elections, but political enemies then turned the word “fight” into proof of an incitement to physical violence and lawlessness instead. They proceeded not just to ratify the certifications but impeach Trump one last time, claiming he incited a riot – as if he had planned what broke out. D.C. Courts later convicted hundreds of protesters at the U.S. Capitol for not just for rioting, but for “seditious conspiracy” and “insurrection.” They claimed the protesters were there to disrupt Congress. But that is the opposite of why we were there. As I just explained, we were there because the proceedings themselves were created to deal with the problem of disputed election results. Disruption was the opposite of what we wanted.

It was a surrealistic day. It just so happened that an undercover FBI agent, had released the leader of the Proud Boys, Enrique Tarrio from prison, and Tarrio, a Floridian, showed up at the Florida Capitol that day along with a troop of Proud Boys. I had heard of the Proud Boys before. I had heard that they were white supremacists. This was the first time I had ever been in the same place with any people who would proudly admit they were white supremacists, I thought. And I had been an independent journalist of sorts before, a proud member of the Fourth Esrtate, so when the Proud Boys stopped marching around, I started interviewing them to see if they really were what the media I had seen had said they were.

The general response I got was that the white supremacist label was a media smear job. What they represented was free speech. The reason they got into fights with ANTIFA was ANTIFA always showed up wherever they did and harrassed them, making that claim. They defended themselves, saying they only fought when provoked. They didn’t carry weapons illegally. They just had radios. Some had mace, but the mace was strictly for defense, they said. The reason they were targeted this way was they were against the enforcement of politically correct speech. That was why before their website got taken down, they spoke of “chauvanism.” They explained that this word was not being used by them the way everyone thought it was. A French army officer named Chauvan had been one of Napoleon’s generals. He was known for his loyalty and enthusiasm. In America, the meaning of that word had been transformed. For most people it meant arrogant mysogeny. It was always coupled with the word “female.” A “female chauvanist” was understood to be a jerky traditionalist who looked down on women. The Proud Boys were proud of American tradition. That’s what they meant by chauvanism. In speaking to several, I was told they were proud of the liberty afforded in the Constitution. Uniformly they condemned mysogeny and white supremacism both. That was not what they were about at all, they claimed.

I have a way of believing what people tell me over what others say about them. I tend to give people the benefit of the doubt, especially if its charitable to do so. How about you? Maybe I’m naive. But they sounded more credible in that moment than the media did. So, take it or leave it, that was their side of the story. And then as the day progressed, I chanced upon Enrique Tarrio himself and interviewed him too

I asked Tarrio the same questions I’d been asking the Proud Boys he lead. If you don’t know, Tarrio is presently in prison for leading a seditious conspiracy to disrupt a Congressional proceeding. Serendipitously, this interview took place at the very hour the U.S. Capitol riot was just breaking out. In my opinion, he did not seem concerned about commanding some operation in Washington. He looked remarkably calm. Maybe he’s just incredibly good at covering things up, or maybe I’m just naive, but this video seems to run contrary to that narrative. Check it out and let me know your opinion.

As it stands, here two years later, I’ve now read the transcripts for the 60 day trial of the Proud Boys, having taken an interest because of that encounter. Most people are unaware that the defense counted approximately fifty federal agents that had been embedded in the Proud Boys in Washington alone. Some were confidential human sources. Some were FBI. Others were Homeland. If there were as many embedded in other groups identified as radical white supremacists who were also at the U.S. Capitol that day and similarly convicted of seditious conspiracy and insurrection, then that would bring the total number of embedded personnel on J6 to at least 150. We might also speculate that even more than that were there if we account for some amount that would likely have been disbursed among the crowd at large.

The person in the red cap who was seen on video knocking out a window, for instance. And if all that is true, then Federal agents outnumbered the Capitol police on January 6th. This sheer number of preplanning on the part of the Federal agencies, leaves us with believing one of two things – either the lack of police staff was the greatest blunder in history given all that prepared before-hand surveillance, or the whole thing was a set up and the ingorance required was just a part of a plan. Make no mistake that if that is the case, then the majority of the actual insurrectionists and seditious conspirators, were planning their operation from inside a D.C. swamp, not from the crowd on the outside.

I’m open to that idea because it makes better sense politically. I found myself surrounded by Trump supporters. None of the Trump supporters I talked to said they wanted to disrupt Congress. On the contrary, like me, they were relying on that very Congressional process to resolve a disputed election based on the Constitutional provisions for doing so. And although I didn’t discuss this with any of the Proud Boys that were there, I imagine they were marching for the same reason – to express their support of, rather than to disrupt, that process.

However, the narrative went the other direction. Just as the Democrats and their sympathetic media denied there was any evidence of massive voter fraud overturning the election, they just as vehemently denied that there were any propagandists pretending to be Trump supporters on January 6th, who had preplanned an uprising. I don’t know who these “Fedsurrectionists” were. I have seen evidence of several. I have seen video of cops actually directing protesters into the capitol. I have seen a video of a CNN camera operator in the capitol having a gleeful moment on a hot recording talking about how “I told you.” They were very happy about the fact that, as they said, “we did it.”

This really disturbs me. I saw photos of police politely standing back for a photo of a man carrying a Confederate flag into the Capitol building rather than tackling and arresting him. It turns out he is a registered Democrat from Delaware. I don’t know who he voted for but I suspect he was there to make it appear that Trump supporters support white supremacy. If it is repeated often enough that this was planned entirely by Trump supporters and they are white supremacists, such contradictory footage and facts won’t matter. That part of the news can easily be suppressed by Google and Facebook algorithms. Prior to Elon, Twitter wouldn’t let anyone see it either.

So that is what I’m made out to be by agreeing with Trump that Biden may have stolen the 2020 election. A picture like this, along with that interview, stand to make me look like a dangerous white supremacist. Neither am I dangerous nor am I a white supremacist. I’m just a person who thinks America won’t be able to help the rest of the world if it has a government that embodies an Orwellian dystopia. A strong America is George Washington’s America. Partisan politics hadn’t divided America when Washington was elected. A thoughtful Constitution was written instead – one that attempted to prevent uprisings and sedition through rule of law.

I have mixed feelings about Donald Trump. I ran against him in 2016. It’s easy to forget that I was a presidential candidate once because I never had any intention of winning. My goal was to bring attention to a political party manifesto I had written. I was concerned about government corruption and saw the two-party system as a failure. As I saw it, America had become an oligarchy, a plutocracy, a corporatocracy. We were ruled by the very wealthy and by large corporations who had more of a voice in Washington than all of the rest of us combined. I was opposed to the nightmare of a war machine we had become on account of those who profited from war and worldwide chaos. Our children were being sent to battlefield’s abroad and I was certain that that was no expression of the will of a country governed of the people, by the people and for the people.

Anyone familiar with my blogs knows I’ve been concerned about America’s accumulating national debt, as well. When I speak of strength, I am referring to our ability to pay off that debt. I supported Trump’s tariffs on Chinese imports for that reason. With the way things can get twisted, I have to clarify every little position I’ve taken. In the case of tariffs on Chinese imports, it wasn’t because I thought Americans were better than Chinese. It was because I thought Americans were more likely to help the world than the Chinese were. I should make it clear where I stand, lest a few pictures miselad you. I’m still very much a globalist at heart. I may have interviewed some Proud Boys, but my own sense of nationalism isn’t a matter of pride, and I really don’t care much about American traditions.

Any “America First” sentiment I have is merely an acknowledgement that we need to rebuild first or we won’t be any good to anyone. If we hurt, the rest of the world will feel our pain. If we are strong, the rest of the world will also flourish, including the Chinese. The tariffs simply leveled the playing field. Sure I support a more secure border too, but I’ve also defended Mayorkas. He’s right that the ports of entry are where most of the drugs are being seized, where most of the illegal immigration is taking place. But the drugs and human trafficking, the gun running, and much more, are taking place along the whole border, not just the ports of entry. Let’s not kid ourselves. We have an immigration crisis. Saying so does not make us xenophobes. It makes us reasonably cautious.

Neither is it xenophobic to be concerned about infiltration by the Chinese. The Chinese Communist Party – the CCP – is our enemy. It is the world’s enemy. It is the enemy of its own people. The Chinese people, on the other hand, are not our enemy. They are among our best friends. It’s their government, the CCP, that is the enemy of us all. Saying so does not make a person a white supremacist. And ultimately, I found that this also was the case with just about every Trump supporter I’ve ever encountered. Some may wear more red white and blue than I ever would, but none of them are white supremacists. They are just distrusting of the very powerful in the world who don’t value American superiority – who view America as a key competitor that may stand in the way of their own agenda. Like me, Trump supporters believe that a stronger United States will make the world a better place because it will put us back into a position of helping those, outside our borders, who are in need. Sadly, we have wasted that opportunity. Instead, we have invaded, pillaged, stolen, ravaged, overthrown, interfered, dominated and ruined. We have thoroughly abused our power, often in the name of promoting “Democratic ideals.” In many ways, we have hurt the world more than the CCP has. It saddens me very much to admit this. But that doesn’t change the fact that we are more capable of helping the world if we are economically strong.

This is the real me. I’m not so proud of America. I see America as the land of opportunity. I see a potential future for it. It’s its potential that thrills me, not its past accomplishments. Sure, we may have prevented Axis powers in World War II. We may have contributed more to charity globally than any other country. That’s good. But we’ve hardly scratched the surface in terms of what we could do for this world in terms of our full potential.

All this contributes to why this picture bothers me. The Google and Facebook AI, especially, and that of other apps, allows governments to spy on us through our phones. A corrupt D.C. swamp, right now, can accuse anyone they want of being a possible seditionist. We are all being put on lists just because we showed up at Trump rallies, even if we didn’t vote for him. To figure out whether we might be violent or plan something, the AI is being used to produce red flags against us. Those now in power, have announced that they are actively engaged in identifying possible threats. The same people who brought in a Democrat to pose with a Confederate flag in the Capitol on January 6th and then accused Trump of inciting violence, are the ones who will be telling us whether or not I might be violent and dangerous or in need of re-education. They could put me in jail if they wanted to. They can put innocent people in jail – people who want nothing more than to make this world a better place. Think about that.

And something else occurred to me. The CIA and NSA and other three letter agencies that framed and spied on General Flynn, George Papadopoulos and Carter Page, characterizing them falsely, are empowered to do the same to any political enemy of theirs that they want. Google has had decades to perfect its search techniques. Spying and search go hand in hand. There is nothing about my own phone that I trust anymore. These people could be taking pictures of me from the other side. It’s called “unmasking.” I have no reason to trust their intentions. Look at what they’ve already done and what they’ve declared they will do.

I don’t know to what extent they are actually capable of tracking us in live time. I know that tracking terrorist threats involves sophisticated technology. Patterns are discovered based on inquiries. Those inquiries can take place faster if they are automated, if the self-learning of the machine can create its own inquiries based on patterns it has already found. Maybe not a person or people, but a machine, is recording a remarkable number of things about me – not just film clips, but stats that predict what I might do next, that profile me, that identify me as either friendly or a threat. The will of the people doesn’t matter. The will of the machine will override it, control it, guide it into its corrales.

Politically speaking, I’m a threat if I do nothing more than tell the truth about all this. I understand enough about how companies are using AI to know there is substance to this formerly paranoid sounding thought. I can see how those same companies are in bed with politicians. This is just a fact. Both money and algorithms and censored news, and promoted news prove this beyond dispute. Big tech helps politicians gain power. Politicians help big tech.

Those who oppose the swampiness in all this, have to create their own big tech if they wan’t to circumvent it. We shouldn’t make being corraled like livestock be so easy. Our own political commentary matters, even if its just in places like the blogosphere. If I say nothing to suggest that I may become violent (I have never even thought about hurting anyone), then hypothetically, stuff could still be made up. Someone can hack into my social media and start posting things I never said. They can upload photoshopped images on my timeline if they want. If I’m a pacifist in reality, reality matters not. They can create the evidence. And that frightens me.

I don’t know what they will do, but they certainly have that power and have certainly stated plainly they intend to come after people they claim are white supremacists. It doesn’t matter whether there actually are any true white supremacists. They will still make out that there are. And the most efficient means of doing so is through the big tech that gives them their power. My phone – my constant companion – my hope for changing the world for the better, is also capable of serving them in their war against reality.

And another thought occurred to me. Just as that same demonic swamp plans to start spying on Trump supporters this way, so also can the Chinese Communist Party gather up info from us. It is all data they are just as interested in as the D.C. swamp is. The swamp is, in fact, doing their work for them. So if the CCP is hacking the NSA and the NSA is unmasking Trump supporters, that means the CCP is spying on Trump supporters, as well as on Democrats and the Republicans who also seek to defeat him.

If the CCP then does what it does with the rest of its data on its own citizens, and what it is now starting to do as it provides the 5G infrastructure all around the world, and what it hopes to do as it creates its own Yuan-cryptocurrency, then some of us, perhaps many of us, will eventually be treated like the Uygher muslims in Xinjiang. There is a gulag archepelago waiting for us.

My Trump-hating friends, in their extreme TDS, were not satisfied to defeat Trump in the election. They have literally declared war on all who fit a certain profile. It isn’t the other way around. January 6th was a last hope for many Americans of upending this frightening new reality. Whether the election results should have been certified or not, they were certified. We are a nation of laws. That makes Joe Biden a legitimate president, by any measure. Trump and his supporters lost that fight. It’s the law Trump supporters say they live by. You won’t hear me say Joe Biden is not my president. He is.

This blog is a warning though. It is a warning about spying on citizens and treating people as political enemies just because of their possible voting decisions and their decision to post public blogs or offer their opinions on social media or to protest. For now it is Trump supporters being censored and abused. The CCP will, in turn, do the same to you. I don’t want that to escape your notice. For now, they are letting you destroy the United States from within. You’ve saved them the trouble by setting a precedent for fascist totalitarianism when you claim something was an insurrection that was not an insurrection. Are your political victories so important to you that you don’t care about the precedent you are setting? The power may be intoxicating in the moment. But at this pace, you will be drunk with the blood of the saints in a matter of years, maybe days. What are you treading on? Think about it.