national issues,important issues,American economy,homeland security,top opinion

200 MILLION AMERICANS WILL BENEFIT IMMEDIATELY

2/2/2012

Dear President Obama,

A minimum of 200 million Americans will directly and immediately benefit if

-LOAN MODIFICATION (first preference) or

-LOAN REFINANCING

is made available at a lower rate without predatory conditions, income verification, and appraisal to the PROPERTY OWNERS across the country.

The term HOMEOWNER is merely a part of the total HOUSING MARKET which is made of HOMEOWNERS AND RENTAL PROPERTY OWNERS. Bailing out one without the other will not solve the problem.

Foreclosure of HOMEOWNER’S PROPERTY brings devastation to one family at a time along with the devaluation of the whole neighborhood through the vague, untested, highly vulnerable to fraud, and open to manipulative PROPERTY APPRAISAL system, while foreclosure of a RENTAL PROPERTY destroys the PROPERTY OWNER and many renting families at the same time besides ruining the neighborhood PROPERTY VALUES. Most of these destitute Americans end up becoming BANKRUPT, DIVORCED, HOMELESS, EMPOWERISHED OR DEPENDENT on State/Federal assistance. Majority of the victims of HOUSING CRISIS lose everything including the EARNING CYCLE and become work-obsolete within a short period of time. The current system is designed to HELP AT FOOD STAMPS LEVEL only. The INVESTOR has to be in the DUST before getting any help from the RESCUE PROGRAM, at which time that help becomes useless and a waste. The government and the highly paid gurus should be able to recognize the symptoms of LIMP IN THE ECONOMY and take appropriate measures without delay and not wait for the POLITICAL EVENTS.

Although the HOUSING CRISIS started to show its ugly face in 2006, the LAWMAKERS, POLITICIANS, most TV TALKSHOW HOSTS, and the ECONOMIC/ FINANCIAL GURUS failed to recognize the severity of these crisis and consequently very little was discussed or done. Even the Federal Reserve came out too late and did too little to ease the agony caused by the HOUSING CRISIS. Relevant and related issues have been advised to the media at large and the Whitehouse on a regular basis for the past 6 years, but still we ended up experiencing the economic slump on a continuous basis as if the intended outcome of our efforts was not within our control.

Mr. President, there is a need for a visual TV BULLETIN on a daily basis, which lays out the ISSUES OF THE DAY ranked by their gravity, editorialized by the Whitehouse Press Secretary, even if they happen to be just one liners. In this way, a quick scan of the important Federal News and Agenda will be universally available to all Americans and not just the TV, internet, newspapers, etc. Government News, as it happens, will become available to all at the same time. This will create a direct link between the Federal Government and Americans, thereby eliminating any informational gaps. In additional to learning what the government is doing on day to day basis, Americans will be able to talk to their elected officials specifically and meaningfully right in their own constituency without delay.

Best regards,

Prem Bhandari

PremBhandari@msn.com

Keystone Pipeline project should not be supported and provided with the government subsidies, because it is a definite environmental hazard, it will nullify the efforts to promote alternative sources of energy, it will take away the investment and jobs from the current non-fossil fuel energy development and production, and it will extend the American dependency on the fossil fuel most of which is mined outside of the United States, and is the main cause of Global Warming which is threatening the existence of all animal species including humans. President Obama may wish not to support Keystone Pipeline because supporting it would be ‘business as usual’ and ‘going back to the old ways’.

To transport Alberta’s Athabasca Tar Sand Crude to the Gulf Coast Refineries will make the pipeline go through America’s pristine areas, farmlands, ranches, rivers, mountains, neighborhoods, etc. changing them for ever. Besides, it is not going to be without accidents or malfunction as described by Mike Kink, the former inspecting engineer of Bechtel Corp who may have completed the first complete portion of Keystone Pipeline from Hardisty, Alberta to Patoka, IL. It is believed that Mike Kink was relieved from his employment because he questioned Safety. Ever increasing Crude prices have made an expensive and of lesser quality crude viable to produce, such as tar sand crude. Financially viable drilling and refining of crude in North America require higher world crude prices, which eventually makes the consumable products quite expensive.

Extracting Tar Sand Oil is destructive and results in high levels of Greenhouse Gas emissions, and it is more dangerous to transport than the conventional petroleum. It is a very thick tar which requires higher temperatures, higher pressures, and more chemicals to make it move through the pipeline and, therefore, is more prone to ruptures and spills. The first leg of Keystone Pipeline had 30 leaks and 11 spills during its first year when 1.1 million gallons were spilled in Kalamazoo River.

Similarly, a 1,230 mile long pipeline is scheduled to be built to carry Ethane from West Virginia to Gulf Coast. Ethane will be mined from Shale through the ‘fracking’ process which requires enormous amount of water to be pumped below to break the shale to liberate the gas. Earthquakes can be resulted if pumped down water changes the water content around the geological fault, or if the water stagnates and lubricates the geological fault. Both conditions can trigger earthquakes. Water below 900 ft is under very high pressure and over time it can build up to cause earthquakes. Scientists believe that recent earthquakes in Ohio and Arkansas were caused by the outcome of fracking.

Oil and Gas leaks are taking place everyday all around the world, which are causing silent devastation of our environment upon which all plants, life forms, and humans depend. By checking the soil, air, water, vegetables, grains, animal products, etc. one can easily determine the hazardous effects of fossil fuels, chemicals, toxins, etc. on each and every living thing on Earth.

Life threatening Global Warming is a fact which, though identified many decades ago, was collectively recognized by the scientists and leaders all over the world during recent years. Thanks to Al Gore, many concerned leaders, and scientists who took pains in gathering evidence to demonstrate that human activity, through the use of fossil fuels, has been causing Global Warming.

NASA’s Grace Operation Ice Bridge reported that Antarctica and Greenland have been losing Land-Ice more than 24 cubic miles (100 cubic kilometers) per year since 2002. According to NASA/GISS, 2010 was the warmest year on record since 1884. Mountain glaciers all over the world are receding gradually. During past 40 years, 40% thickness of Arctic Ice has been lost, which is caused by the global warming which is due to burning fossil fuels

Sea Levels have been rising. Scientists have recorded that from 1870 to 1990, the sea level has been rising by 1.70 mm. per year. This consistent rise in Sea Level has escalated to 3.27 mm. per year from 1994 to 2010. Scientists studying the melting ice cap of Greenland recently discovered that due to Global Warming many small lakes are forming on the surface of thick ice, which seep through the bottom of thick ice causing the lake water to drain within 60 minutes, and predicted that in about 100 years if no preventive measures are taken the Sea Levels would rise by 3 feet. Global sea level has been rising about 3 times faster during the past 100 years, which is attributed to human activity of burning fossil fuels.

Since the beginning of the 20^th century, Earth’s mean Surface Temperature increased by 1.1 degree Fahrenheit (0.6 degree Celsius), and since 1970 the increase has been 0.5 degree Fahrenheit (0.2 to 03 degree Celsius). From 1.9 miles to 8 miles (3 to 13 kilometers) above the Earth, the CO2 concentration of 3.78 parts per million) in 2005 has gone up to 3.92 part per million in 2011.

Scripps Institution of Oceanography, one of the oldest and largest Global Science Researchers in the world, concluded in 2005 that Global Warming is a fact and caused by Greenhouse Gases resulting from human activity involving automobiles, engines exhausts, burning of fossil fuels…….Rising sea levels, severe summer heat waves, melting of Polar Ice Caps, extreme erosion, flooding, droughts, etc. will be the outcome, which will threaten the existence of all forms of life on Earth.

Zachary Shahan, editor of clean technica and planet save reports that less heat is escaping to Outer Space, and more heat is bouncing back to Earth. There is more fossil fuel carbon in the air. The stratosphere (upper atmosphere) is cooling, while thermosphere (lower atmosphere) is shrinking. Less oxygen is in the air in proportion to the rising CO2. Human activity is dumping 30 billion tons of CO2 per year in to the atmosphere. Also, more fossil fuel carbon has been found in the coral and other parts of the oceans.

We must not promote fossil fuel based energy, find and promote alternate sources of energy, tree cutting should be banned wherever possible, tree planting should be vigorously adopted all over the world, minimizing the use of fossil fuels, stopping gases produced by burning fossil fuels from leaking to the earth’s atmosphere, and putting highest value on the survival and wellbeing of all forms of life including humans.

www.BookEnterprise.com

Formidable challenges await President Obama even though he has recently made commendable accomplishments by putting an end to Bin Laden drama, passing a partial package of universal healthcare plan, almost doubling the DJ, reversing the steep decline of employment, and bringing back U.S troops from Iraq thereby saving much needed billions of dollars each and every week.

Unfortunately, the economy has not picked up as fast as it should have, which is primarily due to wrongly bailing out the financial markets instead of the main street, not completely understanding or misunderstanding the micro of the housing market and its relationship to job creation, continuous emphasis on WTO and the global free market system without having complete understanding of its workings, maintaining the status quo by continuously supporting the supply side equation of applied economics, not energizing and incentivizing the redevelopment of the lost industrial base by instituting at least some easy to accomplish barriers on Chinese imports, etc.

The bailed out banks have been exemplary uncooperative to modify loans and accommodate the property owners nationwide. In the absence of big banks helping the Cities, States, property owners, and Businesses, the small banks would have stepped in to fill the gap. Where there is a demand there is a supply. Also, with just a few billion dollars, the Administration could have floated several national banks with select market segments and profited from them while helping the desperate property owners.

President Obama may have to step up and bring some reforms and adjustments in the mechanics of the housing market to lift it immediately. It can be done right away, but only without politics. The current economic slump has widened the income/wealth gap between the rich and not rich. Today, we have rich and the poor with negligible middle class. If the economy and the jobs don’t show any signs of significant growth soon, then we can expect another economic dip which will be nothing short of devastating.

The definition of U.S Foreign Policy must be made very precise and clear in conjunction with the Dept of Commerce agenda. While U.S has been fighting expensive wars overseas, China and other countries have been successfully making in-roads all over Africa and South America. In Afghanistan where we are spending billions of dollars each and every week, Chinese and some other countries have been the recipients of major business opportunities, and they are bound to capitalize on their current success without using any military leverage. Are other countries inappropriately using U.S military presence overseas to make trade and industrial in-roads?

In 2012, without significant economic growth, more economic hardship will be experienced by those who were barely able to sustain themselves during this long economic slump. It seems and who knows that it may be a fact that campaigners, fund raisers, political campaign financing big corporations, and political advisers don’t turn out to be the industrial developers, housing market experts, and job creators and therefore cannot effectively advise the President on such issues. It is a fact that no President can stay in the office with high unemployment and financial desperation staring in the face. I sincerely hope that President Obama succeeds in uplifting the economy, housing market, and the employment during the next few months. All Americans need his success.

************************************

JOBS THROUGH STIMULUS PACKAGE

10/9/2011

Dear Media Friends,

Americans want to see a significant improvement in the JOBS and HOUSING markets right away because the current stagnation in these two vital areas is stifling their life and causing devastating ills in America’s future besides endangering the American worldwide Supremacy and National Security.

President Obama’s timely bailout of Detroit’s Auto Industry was a huge success, however, a similar plan, if feasible, needs to be in place and implemented in the National Infrastructure without delay, which will not only bring positive stimulation in much needed Job and Housing markets but will also strengthen the foundation for Homeland Security.

To promote his recently announced $477 Billion stimulus package, President Obama may wish to inform Americans in each State of United States of America about:

Names of the projects in that State

Funds involved in each project

Number of new Jobs expected in each project

Specifying Trades, Small Business, Big Business, Consumption Increases,

Tax Revenues to City, State, Federal Governments, Spin-offs, etc

(who are likely to get employed, have contracts, receive benefits, etc.)

Union Leaders should work hard to convince their members to agree to deliver a bit more while adhering to American Quality Standards at competitive Labor Costs in complete cooperation and harmony of the employers.

Here is a great opportunity to bring back some of the lost Industrial Base which will create additional Jobs. Under this stimulus package, Time Parameters for the completion of each project should be shortened, which, in most cases, will not allow Imported Materials to be Cost Effective, and may force the local entrepreneurs and contractors to find alternative sources of supply indigenously. This approach is most likely to revive some of the lost and forgotten industrial base that once was an American pride. We need to have our own industrial base in industrial, commercial, agricultural, consumer, and high-tech products, no matter how small each may be.

Of course, we should never take our eyes off the other important issues vital to sustaining the American Supremacy in the world:

Universal Healthcare

Universal Education

Flat Tax (transaction, income or consumption based)

Strongest Military

Eliminating abuse in Social Security benefits and Medicare/Medicaid and

many other areas, bringing reforms and revising laws in “Business as

Usual”, etc.

Warmest regards,

Prem Bhandari

*******************************************************************************************

President Obama has already achieved a bundle of commendable accomplishments within a short period of time, even though he has been working under very difficult conditions. He wants jobs, adequate housing, healthcare, solid infrastructure, education, etc. for all Americans, and wants to pull out most troops. However,

* The American economy is picking up at a very slow rate even though you stopped the downward trend. The bailout should have been for the Main Street (housing market, national projects, local industries, etc.), and the economy and the job growth would have been robust long before now. Probably, his key advisers didn’t understand the root causes of our economic problems and therefore directed the national resources elsewhere.

*Jobless numbers are very high, housing prices are going down or standing still, mortgages/modifications/refinancing either unable or very difficult to obtain, small businesses are hurting big time…….we haven’t moved much…..

*Our troops are still overseas. Bringing back 90% of our troops from Afghanistan, Iraq, and Pakistan immediately will provide immediate expenditure cuts, and making enormous amounts of funds available for the much needed National Projects thereby creating jobs, improve housing market and the related industrial base. This will bring down the National Unemployment Rate to about 6.00% within a couple of years.

*Giving consideration to the fact that pulling troops out will not hurt the National Security but will minimize the loss of energy, focus, damage to the American image, and loss of much needed money. We are building other countries at a great sacrifice of life and money while our house is on fire, which must be stopped.

*Wars bear their own lifecycle and no one ever controls them; they travel from one country to another because of enormous “money” and “power” involved. You cannot stop them, except by pulling out all the troops. There has never been any shortage of excuses to go to war because opportunities never stop developing.

*American financial and military aid recipients like Afghanistan, Pakistan, and Iraq will do everything to stop troops pull out, because besides receiving yearly funds they have uniformed tourists whom their local businesses like and thrive upon. Also, it’s leverage for the regime to hold on to their power, etc….We need those uniformed consumers in America to live normally with their loved ones and spend money here.

*We are building roads, bridges, schools, hospitals, etc. overseas when ours are crumbling and no funding is in sight.

*We should have a Profit & Loss Statement for each location where our troops are currently serving for the United States of America.

*Charging FBI to investigate the micro operational details of Property Managers, Realtors, Appraisers, Loan Officers, City/County/State regulations, Banks, condo associations, etc. to determine the levels of violations, abuses, and/or fraud, and eliminating them once for all, which will create a much needed healthy environment for investments in the housing throughout the United States. An estimated $2 Trillion are waiting to be invested…….

*American corporations are hiring workers overseas because they are investing there, but not in America. Foreign countries provide them with cheap and union free labor, cheap electric power, environmental breaks, negligible taxes, various breaks, and perks they cannot find in America….

*Making Congressmen to realize the importance of attending to all issues on the table at a given time with a specific ‘yes’ or ‘no’ on behalf of their respective constituents.

*Mandatory Healthcare for all Americans for their individual and collective benefit and National Security is needed.

*If the current Foreign Debt discord among Congressmen is not settled by July 16 then the meltdown of American credit worthiness will commence, if not officially but definitely in the perception of Financial Institutions and Governments worldwide, and by August 2 it will become do or die situation. We have got to successfully cross this difficult financial bridge….

*Gay Americans require all the rights and respect that every other person enjoys in America, but same sex marriage should never be allowed. Thorough analytical study will show that ‘same sex marriage’ won’t be beneficial for America and the world. Same sex marriage is biologically unnatural and unproductive, and will prove to be disastrous for the longevity of human species. Psychological and possibly physiological confusion will be experienced by the children and youths of today and in just 3 to 5 generations 1) the birth rate will drop significantly, 2) average child will show an entirely different and possibly unknown personality traits, because genes will be altered, 3) difficulties in dealing with straight people, 4) new and unexpected diseases will emerge, 5) altered genetic code with some vital genes lost and some genes with unknown attributes gained, because environment and personality, beside heritage, contribute to gene alteration and development, 6) we should never forget that humans and chimpanzees have 98% same genes, 97% with gorillas, 75% with chickens, and 88% with rats/mice and pigs, so very little deviation in sex outlook can change our genetic makeup over a period of time, 7) social problems in military, educational institutes, hospitality industry, medical services, travel, etc. etc. will occur no matter how strict the rules happen to be, and who will supply the manpower and money to enforce the rules, 8) young children and adolescents will remain and more frequently become victims to the newly legalized lifestyle, 9) since “monkey does what monkey sees” a new level of deterioration may take place in the human culture, especially among children, 10) new diseases will develop and remain undetected for quite some time, most likely incurable, (with all the scientific advancements we still don’t know the root causes of most deadly diseases of today, 11) most diseases of today are cured by our own immune system which may not remain effective to ward off the new and unknown diseases of 5 generations in the future when humans have been deviated and confused with altered genes, 12) whether ‘evolutionary’ or ‘creative’ belief, ‘same sex marriage and lifestyle are absurd, 13) surge of crime, currently unreported, requiring new laws, court system, and enforcement etc. will go up to be a big challenge, and will provide a boost to our current ‘cops and robbers’ lifestyle…..Etc..etc….

Expectations and promise of votes from just 0.5% can affect the lifestyle, genes and much more of all the total population of America and eventually the world for ever. “Exceptions” should not be made in to law for political reasons, it’s a big folly.

*Respect and dignity must be afforded to Americans who have been here for generations and made our country as we see it today. They established a culture which must be maintained and cultivated.

Wishing you a Happy Independence Day

www.BookEnterprise.com

CRITICAL PERIOD IN AMERICAN HISTORY

4/13/2011

Dear Media Friends,

If the current $1.4 Trillion deficit per year, total deficit of 14.5 Trillion, lack of job growth, depressed housing market, failed small businesses, lack of U.S. Govt. revenues, etc, a very grim picture of the state U.S, are not brought to satisfactory levels immediately, without a doubt, we will witness an unprecedented critical period in American history the fall out of which may start with the dropping of US Dollar exchange value resulting in debt doubling and massive sell out leading the Dollar to crash. U.S. Dollar may not remain the global trading medium.

After 5 years, the housing market is still at the bottom, Jobless numbers have not decreased, Businesses have not come back, and the Economic Misery still continues. There has got to be an end to this drama.

Some immediate remedial measures may be taken, which are less likely to be achieved through our current Democratic Process; we need Dictatorial Implementation to meet the awesome challenge of saving the United States’ economic and military status in the world. Self interest, money, self preservation, personal job security, politics, racism, power, greed, etc. may not allow our much valued democratic system to accomplish the desired objectives. We need to maximize our focus on some the following tasks immediately, even if we have to resort to “War Powers” measures:

Bring back American troops from overseas immediately, disregarding whether they are providing humanitarian assistance, democratizing a nation, or eradicating terrorists. These modes of endeavors are not needed when the Domestic Scene requires all “hands on deck”, or when “the house is on fire”. We need that money here at home, and our focus and efforts should be improving the economy, housing market, jobs, etc.
Immediate Expenditure Savings can be made by eliminating waste in various programs like Child Support (young women find incentive to get pregnant, break up marriages, raising fatherless children who are exposed to changing boy-friends, claim Section 8 housing vouchers, etc.), Disability claims (19% of US population is disabled ? and more are on the way), Medicare/Medicaid abuse, etc.
At least 25% of the current imports, especially from China because of unfavorable of Balance of Payments, should be labeled for Domestic Production immediately.
U.S military and tax protections should be limited to those American Corporations who are bringing all of their worldwide profits to homeland USA.
Eliminate all city, county, state “fees” for small businesses to operate in any part of the U.S, besides providing them with tax exemptions.
Recognize that Banks have greatly contributed to bring down the “Housing Market” and have refused to help the Property Owners from Foreclosures. Their role in the American Economic Life and related licensing for doing banking business should be reconsidered and re-established without delay.
Stop trade relations with countries with adverse Trade Balance, even if they are strategically important. Business must be conducted on equal business levels.
Currency manipulating trading partners should receive notices with definite alternatives which need to be acted upon to reduce artificially created International Trade and the Deficit, non-floating currency, etc.
Openly declare U.S intentions to protect Trade Lanes, Business Partners, Oil Supplies, etc, thereby avoiding vague and camouflaged diplomatic statements. Also, specific options should be developed if OPEC and others create artificial shortages, roadblocks to shipping, or manipulate crude as well as refined oil prices. We need to be prepared to take action under such “inevitable” future.
Recognizing the fact that Street Smart Candidates rarely get elected to any office, because Politics, Governance, etc. fall in to an entirely different set of disciplines, will help in dealing with the Congressmen more effectively while realizing the absence of “Business Disciplines” and the “Disconnectedness” from the Street Level Reality. Similarly “Intellectuals” and “Research Professionals” won’t cut the mustard when dealing with economic issues, employment, housing market, etc in real life circumstances.
More money left in each American pocket will result in greater expenditures at home, which will stimulate the much sought after Domestic Economy (which should contain a significant portion of American made Products & Services).
Flat Tax should be instituted without delay, which will increase the Government Revenues right away besides eliminating the tax loopholes, tax deductions, and making it easier to work out the taxes for all Americans.

Implemented Actions, not just territorial debates and disputes, on the part of U.S. Congress will bring us out of this recession, rejuvenate the housing market, create jobs, eliminate the Deficit, reduce the Debt, increase Govt. Revenues, and help us pass this critical period in our history unscathed.

Best regards,

Prem Bhandari

PremBhandari@msn.com

MEDIA FRIENDSBRINGING US TROOPS BACK FROM IRAQ & AFGHANISTAN Oct 7 09.doc

MEDIA FRIENDSECONOMIC HURRICANE July 14 08.doc

MEDIA FRIENDSECONOMY, ECONOMY, & THE HOUSING MARKET Nov 21 08.doc

MEDIA FRIENDSJOBS, JOBS, JOBS july 24 10.doc

Once again, President Obama ignited the flame of patriotism and progress in American hearts. His words during last night’s State of the Union address were powerful, confidence restoring, and inspirational. The hope for economic recovery was rekindled and a path to progress established.

Without revitalizing the manufacturing industry, America will decline slowly but surely, disregarding the size of our GNP, technological leadership, quality of democracy and the accompanying laws, and the military might. President Obama, the lawmakers, and most Americans are fully aware of this, but they have to live through the democratic process which is not perfect and delays the important and urgent decision making…..

While our democratic process deliberates the ways to re-establish American industrial base here in America, and respecting the WTO, Bilateral & Unilateral trade and military agreements along with “democratization” with “free enterprise” capsules, we can start stimulating the growth of American Manufacturing through Overt Patriotism.

When Americans start buying some of their favorite products with Made in U.S.A stamp, a new industrial base will emerge immediately. Besides restarting of the traditional and lost industrial base, new spin-offs with innovative technology will emerge. The revival of the new industrial development phenomena will multiply and spread like a beneficial bacterial. Soon thereafter the unemployment rate will drop by at least 3% which is what America desperately needs today.

The keywords to promote Made in U.S.A happen to be very positive and consumer- friendly and definitely will not jeopardize the sanctity of our Trade Agreements with other countries. We can mention just a few examples which would relate to almost every American. Foreign (?) made socks/apparel/linen seldom fit, or of the uniform size, lose threads, not hemmed…..Bakelite base of any kitchenware like: deep fryer, coffee maker, bread maker, etc. will break very soon…..Battery compartments in many cameras with unclear lenses are not precisely made, difficulty to close the lid or missing out on battery connection……Similar examples are numerous in other imported consumer goods. Americans should buy quality goods Made in the U.S.A even at a little higher price.

Today, such importations may look very price attractive but just in a couple of years while their product quality will improve through complaints and innovation our industrial base and the know how will disappear for ever. At that time, no matter what technologically innovative steps are take it will be extremely difficult, if not impossible, to revitalize the dead industries. It is called destabilizing the competitors’ industrial base with price warfare and increasing the prices thereafter. America doesn’t need to be a party to such a scenario. We should be protective of our traditional industries, skills, and jobs, which is what all other countries do.

We all should buy Made in U.S.A whenever and wherever it is possible. Special aisles should be provided in each major store with Made in U.S.A goods. American buyers need to know where such goods are located in the stores. Also they need to know how small or big these isles are.

Killer Diseases of Women Jan 26 2011.doc

President Obama should bring back most of the troops back home whether victory is near or not, because that money is needed now here at home to put out the depressed economy related fires on several fronts. Tax relief to the top 2% may or may not stimulate the economy. We need concerted stimulation in the small business arena where most of the products and services are created, taxes are paid, and the jobs are created—all within the United States of America. In my opinion, the big business has virtually wiped out the small business in the United States, leaving them the options to survive on the minimum business, or get out of their business, or become an employee. We need to revitalize the growth of small business and sustain their existence.

Today, most of the consumer products, and many industrial products and services are sourced from outside the USA because of comparative disadvantage here in the USA. Who is benefiting from the global village based free enterprise? Waging wars on taxpayers’ money is very lucrative for some segments of big business, but a great calamity for most, (death, upheaval, disability) including the taxpayers who are under economic recession. Besides, the war enterprise may not allow the politicians and their voters to abandon the war theater. War may travel with new flares for the benefit of few and the potential danger for the world. How many small businesses here at home are benefiting from these wars? We need peaceful environment for the small and big business to emerge, develop and prosper; instead we have been busy with the war details and the related news on daily basis. We seem to be busy protecting many countries against their enemies with borrowed money………..? America should be a lender and not a borrower.

If the U.S economy doesn’t show some vigorous signs of growth in 2011 then the actual economic recovery will be delayed further by a couple of years or more, because we would be driven deeper in the economic slump due to the negative momentum, and by which time some other serious problems like the familiar deficit, debt, unrest, etc. would have escalated to an unmanageable level. Social scene in the USA may become a lot more challenging than it is now. Tax relief to the middle class is a must and deviating from it would be disastrous. Tax relief to the rich would be an unaffordable luxury for a nation under heavy debt, budget deficit, and crippled with unending economic recession. American rich are very generous and if approached directly they may accommodate you whole-heartedly and accept a tax hike. It is worth trying. Rich Americans do not want to see America sliding further down in the global community, and they will volunteer to come forward to do anything to get out of the current recession. America should be NO. ONE in technology, economy, quality of life, education, health, military, etc.

ECONOMIC CRISIS STARTED IN 2007…….

9/17/10

Dear Media Friends,

A lot of important people in our nation failed to understand the importance of taking timely action to avert the economic recession which started in 2007. The probable causes of this could lie in 1) over optimism among entrepreneurs, 2) the economic sufferings seldom reach the government agencies and the staff, 3) most VIPs in business and the government are perpetually insulated from the economic slowdowns, 4) most intellectuals and scholars have negligible understanding of the marketplace grind, 5) very few, if any, street level marketplace savvy people have been in the Administration, 6) business as usual saves the job, revolving door syndrome, etc. It has nothing to do with President Obama and President Bush; instead with the “system” we live and breathe in. Our political and governing system needs changing, because it is not working.

Wall Street and nation’s economic health are deeply connected, but the former does not rule and control the latter. All of Wall Street’s present and future gains (including speculative ones) come from the working people. Rescuing the industrial giants was wise, but unloading three quarters of trillion dollars with soft conditions to the financial institutions was not. Some inefficient and irresponsible financial institutions should have been allowed to meet their fate. A few very wealthy were saved but average person was not, and millions of Americans have been ruined for ever. Recession could have been averted if appropriate timely actions were taken and there was plenty of time to exercise them. The ideology to push every important action to conjunct with the election time is disastrous to our nation, which is evidencing in our healthcare, poverty level, unemployment, unhappiness, anger, education, housing, GNP, crime, drugs, political hopefuls, global ranking, etc.

We need hardcore conversations with the government officials, congressmen, and business executives at the talk shows and media interviews more often than it has been seen. America will come out stronger but about 10 to 15 years behind. At the media level it should be determined what is good for the country and then the pros and cons of Free Enterprise System, WTO, Global Village concept, etc should be revisited. These are super systems but we have not taken appropriate actions at home to fully benefit from them. We need to graduate from the old by redeveloping our foreign policy, international trade policy domestic industrial redevelopment, and reconsider entirely a new approach to other countries, while at the same time protecting our core industries, services, skills, etc. for the future generations. Here are some periodic postings on this subject:

Fed Chairman’s Anticipated Action <낄š>10/17/2007

MEDIA FRIENDSFED CHAIRMAN'S ANTICIPATED ACTION (archive) Oct 17 07.htm

Mortgage Crisis & Real Estate Marketplace <낄š>3/25/2008

MEDIA FRIENDSMORTGAGE CRISIS & REAL ESTATE MARKETPLACE (archive) Mar 25 08.doc

6 Day work week <낄š>7/11/2008

MEDIA FRIENDS6 DAY WORK WEEK July 11, 08.htm

Housing Crisis <낄š>8/8/2008

MEDIA FRIENDSHOUSING CRISIS Aug 8 08.doc

Passive Management <낄š>9/24/2008

MEDIA FRIENDSPASSIVE MANAGEMENT APPROACH Sept 24 08.doc

Financial Rescue <낄š>9/24/2008

MEDIA FRIENDSFINANCIAL RESCUE Sept 24 08.doc

Avoid Deep Recession By Diverting Investments <낄š>10/10/2008

MEDIA FRIENDSAVOID DEEP RECESSION BY DIVERTING INVESTMENTS Oct 10 08.doc

Solutions To Economic Slowdown <낄š>10/28/2008

SOLUTIIONS TO ECONOMIC SLOWDOWN Oct 28 08.doc

Economy, Economy & the Housing Market <낄š>11/2/2008

MEDIA FRIENDSECONOMY, ECONOMY, AND THE HOUSING MARKET.htm

President Elect Barack Obama’s Immediate Attention <낄š>11/5/2008

MEDIA FRIENDSPRESIDENT ELECT BARACK OBAMA'S IMMEDIATE ATTENTION Nov 5 09.doc

President Bush Saved The Day <낄š>12/19/2008

MEDIA FRIENDSPRESIDENT BUSH SAVED THE DAY Dec 19 08.doc

Economic Recovery <낄š>1/10/2009

MEDIA FRIENDSECONOMIC RECOVERY Jan 10, 09.doc

Jump Starting The Economy <낄š>1/27/2009

MEDIA FRIENDSJUMP STARTING THE ECONOMY Jan 27 09.doc

Fighting Terrorists Overseas During Economic Slump <낄š>3/28/2009

MEDIA FRIENDSFIGHTING TERRISTS OVERSEAS DURING ECONOMIC SLUMP MAR 28 09.htm

Timely Action Is Crucial To Economic Recovery <낄š>4/25/2009

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Bringing US Troops Back From Iraq & Afghanistan <낄š>10/7/2009

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What We Need To Do Immediately <낄š>5/20/2010

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Jobs, Jobs, Jobs <낄š>7/24/2010

MEDIA FRIENDSJOBS, JOBS, JOBS july 24 2010.mht

Warmest regards,

Prem Bhandari

************************************

MOSQUE NEAR GROUND ZERO

The respected Imam who initiated and is currently promoting an Islamic Mosque near the site where the World Trade Center once stood is not going to back down. Like other religious persons, he has a mission to accomplish to bring him fame, legacy, and respect. He wants to build this Mosque for various reasons and one of which is likely to be his great desire to become an icon in the Muslim world. In the past, he has reportedly done some good deeds for some U.S entities, and now he wants a payback which, in the eyes of Muslims worldwide, is thousands of times greater. The respected Imam has the ‘will’ and financial/moral support to pursue the agenda of establishing a Mosque, just steps from Ground Zero.

Interestingly, some questions were either never asked of him or voluntarily explained as to the exact reasons of building a Mosque near the Ground Zero. Once the Media is satisfied with answers to certain questions, a support should be provided to the respected Imam to build the Mosque. The proposed site for the Mosque is practically dead after 6 PM for any decent activity. It’s within the Financial District, commonly called “Wall Street”. It is very close to the City Hall and the Woolworth Building, and the Brooklyn Bridge, and 15 minutes walk away from Canal Street ( China Town) on one direction and Battery Park on the other side, and just 5 minutes to the Wall Street and Trinity Church. There have been only 3 historic religious sites near the Ground Zero: Trinity Church on Rector & Broadway, Lutheran Church on Johns St, and the Greek Orthodox Church across from the World Trade Center facing 90 West St. Greek Orthodox Church & 90 West St were destroyed along with towers of World Trade Center (Great American Symbol), Liberty Tower and a few other buildings on 9/11/2001 by the terrorists.

How many Muslim Americans reside in this vicinity? How many Muslim Americans are working in the greater Wall Street area, City Hall, Woolworth Building, Water St, South St, Lower Broadway, South Sea Port area, Church St, Battery Place, etc., etc.? How many Muslim Americans currently residing or working in Lower Manhattan need to visit a nearby Mosque during the day or night? How important is to have a Mosque near Ground Zero to Americans of Islamic faith? What losses will occur if this Mosque is moved to some other location? You will be able to weigh and determine the necessity of having this Mosque versus the emotional and ethical significance of the Ground Zero from the answers you receive from the respectable Imam. Ground Zero is a very sensitive area and will remain sensitive for a few generations, and Imam may decide to respect this American Trauma. I think that the respectable Imam should voluntarily decide to move the Mosque to some other location and the whole matter will be concluded with a happy outcome for all.

7/24/2010

JOBS, JOBS, JOBS!

Dear Media Friends,

Most of the job growth is inherently related to the “housing”/“construction industry”, which is directly and indirectly related to about 75% of the national economic life. Most of this segment of the economy is populated by small businesses which generates about 70% to 75% jobs in the United States, which emphasizes the importance of “housing”/ “construction industry” for the national economy.

But, so far, we have failed to rejuvenate the job growth with the measures we have taken. Despite having all the success history, affluence, largest population of PhDs, know how, resources, and the Will, we seem to be going in circles without solving the “job” problem. Lack of appropriate action is speeding us toward recession each and every day. And each day of inaction will cause us at least 10 days in the recovery time, because this sluggish economy is wiping out the economic life cycle of millions of Americans. Even if the economy picks up in a couple of years, millions of Americans will be out of economic stream for good. Their earning cycle would be over. Appropriate inaction is literally killing millions of Americans slowly and prematurely, which will also make some much needed “skills” disappear. In spite of job gains, we are still losing jobs due to belt-tightening, business closings, doom and gloom, and layoffs at the expense of outsourcing.

For the past several years (since 2007) when the economy took a downturn, we have been needing people with street level business experience, economic common sense, skills, guts, initiative, will and the know how to get the job done in a short time, and who can relate to the people and their specific problems to rejuvenate the sluggish economy. But, instead, we seem to have been circling the issues without solutions.

President Obama has been able to accomplish a lot within a short time, and he is, no doubt, working very hard to achieve all the things he promised Americans. His accomplishments, so far, are commendable. The current crisis requires almost dictatorial approach for taking remedial measures to bypass the hurdles posed by the political and vested interest groups.

Economy needs to be stimulated with: incentives, stimulating measures, expertise, bold and dedicated actions, taking industrial protective measures, initiating construction projects, protecting the property owners, inspiration, atmosphere for investment, etc and, at the same time, the Governmental expenditures need to be minimized.

Bringing majority of troops back from Iraq and Afghanistan, and even some from Korea will accomplish most of these objectives simultaneously. It will stop the needless loss of life, physical disability, and lifelong psychiatric problems, and while at home soil these troops will be contributing to the local economies as consumers. Bringing most of the troops back will definitely affect the local economies of Iraq, Afghanistan, and Korea, military contractors, and many others, but the benefits will be numerous. The recipients of U.S military aid and financial assistance will do anything to keep Americans from leaving their countries. For this reason or may be other, the current wars are likely to travel to other countries before or immediately after the troop withdrawal starts. We have major economic crisis at home, which requires total focus and resources immediately. We need to get back home. To continuously sustain our military superiority and excellence, we need a healthy economy and an unexhausted military. The current war funding should be diverted to projects at home where it is urgently needed.

Allocation of federal, state, county, and city land should be frozen until all the available housing inventory is used up thereby improving the real estate values nationwide; Housing Authority/Section 8 assistance recipients and other recipients of public money should be coached and made to accept and live within the minimum and essential accommodation and financial assistance, which will help spread the available funding among more people needing help.

Would be single moms and first time single moms should be coached aggressively….Child support should also be looked in to for savings. Also, grants, and disability area need to be looked in to because billions of dollars can be saved yearly through efficient management. There are many other measures beside these few.

Is it politics that is causing so much delay in overcoming the economic upheaval, or something else? The solutions have been there but it seems hard to implement them, primarily due to politics and too much intellectualism. If the ‘demand” for the home financing had been sustained and later rejuvenated, “mortgage loans” would have found and closed them, either from domestic sources or foreign. The loan seekers were still healthy and would have remained healthy and eligible for loan approvals. Today the loan seekers are starved because of lack of jobs or loss of business, and are not a good risk for the bankers. Most of the bailout money should have been diverted to construction/housing industry which relates to majority of jobs in America. Everything depends on “jobs” which is the storefront of a healthy economy and the stimulation of which may require dictatorial powers because our current and much loved system doesn’t seem to be producing the desired outcomes.

Warmest regards,

Prem Bhandari

www.PremBhandari.com

Hopefully, President Obama will bring our troops back just as soon as it is possible. Protection, if any, is needed here in the United States. Besides, wars in Iraq and Afghanistan are draining America of borrowed money, and creating havoc in American lifestyle. Money currently being spent in Iraq and Afghanistan should be diverted to salvage the U.S economy from the recession which is causing huge unemployment, foreclosures, business closings, and unspecified misery. These funds should be spent on creating jobs through various domestic infra-structure projects, housing industry, small business, environment, alternate energy source development, revival of lost industrial base, etc.

It is probable that the bombings and killings in Iraq, Afghanistan, and Pakistan will become minimum just as soon as our troops return, the US spending and aid in those countries are minimized, and the nuclear arsenal in Pakistan is under US lock and key. Who knows if all these elements in the war theater are inter dependent and feeding each other.

President Obama may choose to do something to restrict the size of very large business enterprises, their sphere of activity, and their direct or indirect influence, which will encourage and stimulate competition within similar business arena. Large corporations tend to monopolize the marketplace by completely suffocating, may be unintentionally, the smaller business entities and also sprawling to other business arenas where they were not before. At present, a few large corporations, including their subsidiaries and sister companies, control or influence most of American economy. Major financial corporations are no exception to this unbalanced economic structure which does not serve Americans or anyone else in the world. Major corporations have economic power here in the USA and overseas, which exerts extreme influence on our foreign policy, commerce, technology, military might and its application.

American printed and online media should voluntarily reserve a small spot on the front page of their publications for “U.S.a is a nation of all ethnicities, races, skin colors, and faiths”. This will help fellow Americans living in small towns, less developed areas, and remote and sparsely populated regions to stay in touch with the current issues, developments, and reality.

While keeping up with the currently reported Environmental Disaster in the US Gulf, journalists and talk show hosts may wish to call British Petroleum instead of BP, which is more revealing and registering. We need to address all environmental disasters as many times as possible, because this will alert those who either have not been found out as yet, or are very close to committing a similar blunder.

Establishing Consumer Protection Agency, instituting Financial Reforms, establishing industry-wise Corporate Size, including all Americans in a National Healthcare Plan (private or government funded), welcoming and extending kindness toward immigrants from Latin America upon whose hard labor most of us depend, compelling importers to direct at least 25% of their purchases to authentic American sources, in America, offering almost 100% American products within 30 days,

President Obama may have to eliminate a lot of programs and grants, duplications, cut salaries and benefits which in some cases are exorbitant, consider taxing the profits earned by Non Profit Organizations, taxing the Trusts created to divert taxable funds, significantly increase the number of years to qualify for pension (congressmen, police, teachers, etc.), trim down the pension amounts to fall in line with the rest of the country, consider Flat Tax of 10% - 15%, and to consider investigating the enterprise behind Disability, Medicare, Housing Authority, and their interdependency, relationships, and beneficiaries. A lot of money can be put back in the treasury for the benefit of all Americans.

HEALTHCARE AND NATIONAL SECURITY

Healthcare should be made compulsory for each and every American whether it is affordable or government provided, because it is an essential element in everyone’s personal and communal life. It pays to make it affordable because it will increase productivity and improve the quality of life by keeping working Americans healthy. If the provision of affordable healthcare, under the free enterprise business model, to all Americans is not feasible then the alternative has got to be the universal healthcare plan run by the federal government.

It is important to have all Americans registered in some healthcare plan because it is essential to the national security. It is no longer a mere personal choice, but a communal necessity. Today, the threat from a nuclear attack is less likely, but probable from biological and chemical attacks. The origin and the resultant impact of a nuclear attack can be determined immediately and twice as powerful response can be executed within a few minutes (a great deterrent), but not in the cases of biological and chemical attacks. The biological and chemical attacks are silent, noiseless, not visible, and with no clues to the extent and intensity of their infliction which can wipe out a significant segment of our population within a matter of hours, that is, if the preventive and remedial measures are not taken immediately. Databases of the voters’ registration and censes bureau won’t help to assess and contain the damage caused by biological or chemical attack, but medical accessibility and healthcare records will. During the crisis of this nature, only the government initiated leadership will help which directly depends upon the instant accessibility of healthcare records, and it is only possible if they are developed and maintained by the government.

No sophisticated delivery systems are required to launch such biological and chemical attacks whose source may be contained in a small bottle. Under these life threatening attacks, Americans with healthcare plan will rush to seek medical help, and ones without may never get identified thereby letting the effects of biological or chemical attack reach pandemic proportion. People without healthcare may pose serious danger to the rest of society. I want to have healthcare for myself but I will never be safe without my neighbors having it too. No body can be safe if even one American remains without healthcare.

If a comprehensive healthcare database on all Americans is in place and medical help is made available to all, it will be somewhat easier for the government and various research laboratories across the nation to contain the spread of such inflictions in relatively short time. The recently passed healthcare reform bill is a step in the right direction, because it provides numerous benefits to the children, seniors, small businesses, currently uninsured, etc., and is national security friendly.

Although reforms are needed in many economic, political, and social aspects of our life, some relatively easy to implement are:

*Banks should not be allowed to sell loan packages neither individually nor collectively. Banks’ role should be reinforced as providers of financial services, and not repackaging and selling loans as traders, which will benefit banks enormously. Buyers should only be allowed to buy bank stocks. The ownership of loans should be tied to the ownership of banks. When a loan is sold to another party, the history of loan payments, escrow analysis, the actual escrow balance, etc become blurred and obscure, if not unavailable, which does not favor the borrower who either can’t find out the differences or is compelled to shuttle inquiries at the old bank and the new with unsatisfactory outcomes. The borrower gets fielded on a regular basis.

*Provision of mortgage loan should obligate the banks to protect the loan amount and the borrowers all together. Why, because before the loan agreement is signed, banks run the credit check, income history check, background check, expenditures check, appraises the property value, receives application fee and the down payment, control property taxes and insurance, etc. All such expenditures are for the borrower’s account. The responsibility and the outcome of this joint venture should be equally shared because it is a partnership. Before entering in to this joint venture, the banks have made sure that the partnership is secure and worth the investment and risk involved, besides having lien options on the subject property and other assets of the borrower. Money lender has the power to destroy borrower’s credit and eventually the borrower. For some reasons, the borrower becomes subordinate to this agreement which is always in favor of the lender. The borrower remains on the defensive for the life of the loan. The responsibility and the outcome should be at least equally shared because it is a partnership. If the property values drop due to economic slowdown then the total loan amount should be dropped thereby allowing the borrower to sell the property at a lower price. On the other hand, the mortgage payments should be reduced to accommodate borrowers who are unable to make payments and are closer to giving up the property ownership.

*Banks don’t have to foreclose the properties, because they don’t gain anything in return. In fact, Banks incur more expenditure and headache in exercising the foreclosure option because they can’t sell the property at a higher or desired price level than the market allows. Under bank ownership properties deteriorate and drop in value rapidly with an ongoing burden of city code violations, vandalism, property taxes and insurance. Banks need convincing that by reducing the monthly mortgage payments and allowing the borrower to continue ownership is to their benefit. Most banks go on an ego trip and demonstrate inflexibility even when the borrower shows a little weakness, and more so when a request for refinancing or lowering the monthly payments is made. Also, banks find it difficult to execute loan-modification because they have sold the loan to a third party, which should not be allowed. The loan originating bank must remain responsible for the life of the loan along with the commitment of related joint venture/partnership.

*Banks should not be allowed to forced place insurance on the property. In some States, insurance companies have denied property insurance or cancelled it for one reason or another, in which case the bank avails the lucrative opportunity to offer coverage at about 500% higher rate. This insurance product is not available in the marketplace to the borrowers / property owners and has no competition, which is an unfair business practice in a free enterprise and competitive marketplace environment. Here the banks have chosen to place their exclusive insurance at an exorbitant rate to protect their loan amount on the borrower’s property at borrower’s expense. This is an unfair business practice and corrective reforms must be placed.

Tax deductions are a great incentive to buy a house and for the housing market, and most of us fall in to this category of decision making. It may be the root cause of most evils associated with the real estate market financials. Instituting a flat tax, say at 10%, with no deductions may be able to solve most of the real estate related financial problems.

saved on daily basis. We need this money in the U.S.

Tired and exhausted military will get well deserved respite. We need to
revitalize and re-equip our military for the future wars which may prove
to be much more challenging, and which may occur sooner than expected.
(Former President George W. Bush did make a wise attempt to exit Iraq by
declaring 'mission accomplished' which if materialized would have saved
thousands of lives and at least $900 Billion which could have been used
for various needful purposes at home).

Danger associated with these wars is a 'distant' one, and no attack is
anticipated in the immediate future and, therefore, avoidable loss of
life and expenditures are not essential. Besides, these wars are
depriving us of many other essentials that need focus and funding 'now'
in the United States. Pulling out will adversely affect certain war
related businesses and jobs, but the benefits will outweigh the losses
many times over.

Affordable Universal or National healthcare plan must be passed because
1) adequate healthcare should be a given thing in America and no one
should be without it, 2) future terrorist or military attacks on the
U.S. may not be the ones we have seen before; they could be bio-chemical
or something else. It takes a few months for the labs to develop an
antidote for a yearly flu virus, which may not be workable when several
viruses, each of different kind, are introduced in various parts of the
country simultaneously, thereby causing very challenging conditions, 3)
it provides a solid platform for small and big business to develop and
thrive, which produce jobs in America. Healthcare to all Americans can
be provided at half the cost of current expenditures.

Without a healthy and thriving economy, it will be difficult to fund
anything, even defense and homeland security. Depressed economy is the
'immediate' danger which needs to be dealt with.

Without revitalizing the housing market jobs won't be materialized in
the numbers that make the economy healthy. Banks have been helped, but
not the homeowners and homebuyers. Short sales and foreclosures are
killing the real estate market but helping just a few, which calls for
new laws for property appraisals, realtors' commissions, and closing
attorneys' fees, codes of conduct, etc. An individual's option to sell,
by choice or difficult circumstances, should not negatively affect
neighbor's property……..Banks are here to make money, and shortage of
business is leading some to develop innovative ways to make
money…….Closing attorneys should be discouraged to own realty
companies…..Property/hazard insurance requires much more competition
than there is.
Pulled funding from Iraq and Afghanistan wars should be applied to
reducing deficit and national debt. Industrial base should be revived
and expanded Export related industries and enterprises should be
promoted Position and status of US Dollar must be strengthened in the
international marketplace, so that it remains the most powerful medium
of exchange for a long time to come.

Warmest regards,
Prem Bhandari
www.PremBhandari.com

*************************************

Why low cost healthcare is crucially important for America? Healthy Americans are better workers with higher output, businesses can afford to hire them, jobs are more likely to remain in the U.S rather outsourced overseas, important for national security considering enemy’s options of using biological weapons, important for the small businesses who create most of nation’s new jobs, etc, etc.

U.S healthcare can be provided at almost half the current cost of $24,000 Billion

v $2.4 Trillion ($24,000 Billion) will be spent on healthcare in 2009, or $8,160 per U.S resident, based on the total of about 294,000,000.

v Center for Medicare and Medicaid projects healthcare spending will exceed $43,000 Billion, or $13,100 per U.S resident, by the year 2018

v In 2009 healthcare expenditures are estimated at 17.6% of the GDP, which will exceed by 2018 to 20.3% of the GDP.

v About 10% people account for 63% of spending on healthcare services, 21% of the spending is only for 1% of the population. You may be in this category.

v More than 50% of the U.S population gets only 3% of the total healthcare spending. You may be among them.

v Private healthcare expenditures account for 54% of the healthcare recipients, while Public sector expenditures account for 46% of the recipients

v Center for Medicare and Medicaid projects that by 2018, Public sector share of healthcare expenditures will be 51% as compared to 49% of the national healthcare expenditures by the Private sector. Private sector’s participation will decline due to the aging population

v Recent interview on the TV network revealed that Europeans and Canadians incur 4% on healthcare administrative costs, as compared to 25% in the U.S

Obviously, the cost of healthcare in America has been consistently rising, and the major portion of national healthcare expenditure is spent on a very small segment of U.S population, while only 3% of the total is spent on half of the U.S. population.

President Obama may wish to present various cost models to Americans, describing the reduced burden of monthly healthcare insurance premium on a single, single mom, family of 3, etc under two options:

In option (2) the healthcare premiums will gradually drop over an extended period of time, while in option (1) the healthcare premiums will drop immediately. If the U.S residents and the congress want to see healthcare costs to drop, they have got to understand it and want it. People who can afford to pay between 10% to 30% of their total income toward healthcare, may not care to understand these options. Lack of adequate healthcare can bankrupt any one, if they want to live. A rough sketch can show how the healthcare cost can be reduced immediately:

**There are huge economies to be made in the redesigning of cost distribution model which is currently disproportionate, resulting in further cost savings.

With the cost of around $12000 Billion, every person living in the United States can

Receive healthcare with no complicated paperwork, co-payments, special enrollments in various programs, and spending a good portion of their time and money during the remainder of life on medical visits, etc. It will also relieve families from the enormous financial and emotional stress. Small businesses will welcome it.

There are plenty of savings to be gained by eliminating abuse, waste and fraud, reducing administrative costs, IT costs, bringing lifestyle changes, proper distribution of expenditures to reach all sectors of society, etc., etc and providing needed healthcare to each and every U.S resident.

www.BookEnterprise.com

KEEP YOUR PREFERRED HEALTHCARE AND LET THE POOR LOVED-ONES HAVE IT TOO

Universal healthcare will enable an average American to obtain healthcare insurance at an affordable cost, provide much needed real time competition in the healthcare marketplace, will reduce or eliminate racial or ethnic bias, improve the quality of healthcare, reduce waste, eliminate the currently inefficient providers, improve the economy, provide jobs, provide much more homeland security than now, stimulate new medical research, create new entrepreneurs, and improve the bottom line of most private healthcare providers. The beneficiaries of Universal Healthcare will be the Americans of all political affiliations, ethnicities, faiths, social classes, economic levels, health conditions, ages, and professions etc.

American healthcare system has been acknowledged by many to be the best in the world. In fact, only a portion of it is the best in the world. This best portion is enjoyed by only a segment of our population which is in the highest income bracket and therefore can afford its higher premiums. Average American cannot afford it, and poor people cannot afford any. Universal healthcare is the best healthcare reform for American healthcare system. Let a federally instituted plan enter the marketplace and create an option for the less affluent and poor. The outcome will be enormously beneficial to all Americans.

The current estimated cost of healthcare is about $8,000 per year per person when about 47 million are without any insurance because they cannot afford it, and there are millions more who find it hard to pay at the current prices. In about 7 years this cost under the current system can rise to $12,000 (inflation adjusted) which will make it unaffordable for more people than today. Those who can afford it will find it much more burdensome than now. The cost will keep on rising unless a healthcare reform is instituted preferably in the form of universal healthcare which will create a cheaper and affordable option for the poor, and the small businesses which generates about 75% of all new jobs. In 10 years time, the teenagers of today may find it almost impossible to afford healthcare insurance under the current system.

People with no healthcare or minimum healthcare or with co-pay will tend to ignore the symptoms of some illnesses and postpone visiting a medical facility for fear of expense involved. Infections and viruses can spread and can get out of hand, resulting in loss of wages, productivity, etc. Healthcare for everyone has always been very important for any nation, and it is becoming more so in the modern times when travel, pollution, chemicals, toxins, etc. are a part of life.

Today, it is more important to have universal healthcare than ever before, because tomorrow may bring an awakening should some act of bio-terrorism takes place on our soil, which can cause a significant devastation involving a large number of people in matter of hours, and a national calamity in a matter of days. America cannot afford to have someone infected with a virus not getting immediate medical attention. It’s an issue of national security and wellbeing of all Americans. Universal healthcare will create an atmosphere of responsibility and relief beside affordability.

Those who have a satisfactory healthcare should maintain it, and allow their less affluent and poor loved ones and fellow Americans to have a choice as well. This can only be achieved through a universal healthcare system, step by step. There is enough money in the system, but it requires redistribution because the medical community seems to maintain a large number of patients for routine visits, tests, prescriptions, etc. for recurring revenues. Instead of expediting the healing process, patients seem to get captivated for one reason or another. Some patients have become permanent clients of the medical community and the associated prescriptions and routines. This creates imbalance in the total cost; money and efforts being spent where not needed and denied where needed, that is, beside the enormous waste. It is possible that 25% to 30% of the money currently being spent in the healthcare can be saved almost easily. Here is a potential for which an incentive needs to be provided through an opportunity. Additional savings can be achieved through the promotion of self-health management and changes in the lifestyles of most, which are going to be the most prominent issues of tomorrow.

Let billions of dollars get donated to the lawmakers by the lobbyists, competition from federally sponsored healthcare system will create a unique scenario where competitive pricing and healthcare quality will matter the most. This will help average Americans to obtain healthcare, improve the quality of care currently available in the marketplace, reduce or eliminate racial or ethnic bias, eliminate currently inefficient healthcare providers, and improve the bottom line of efficient providers.

Speak, call, or write to your congressman or congresswoman and ask for Universal Healthcare for all Americans.

www.PremBhandari.com

HEALTHCARE FOR EVERYONE

6/20/09

Dear Media Friends,

Being the richest and the most powerful country in the world, the least the United States can offer to its inhabitants is guaranteed healthcare for every one. No one should be found having no healthcare, because it is in the national interest to have healthy and well taken care of population. Besides, it is extremely important for national security reasons. Just visualize the scenario when an uninsured with a dangerous viral infection remains untreated and brings down a good portion of our population………….Healthcare is a national and human issue of great importance, and it should not be perceived as a commercial or political one.

Qualitatively, our healthcare system may be the best in the world, but that quality refers to only a certain segment of our population. Our population, like any other, consists of many age groups, income levels, disability levels, regions, etc and all of the people falling under these categories do not enjoy the same quality of healthcare as the upper crust of our society.

Our healthcare system is based on competitive marketplace system which is excellent for innovation, breakthroughs, and research and development, with a complete focus on revenue generating endeavors. Statistics will show that overtime the number of corporations servicing the provision of healthcare tend to shrink while the corporate size

increases. Corporations tend to drift toward controlling the marketplace by eliminating the competition either by acquisition or ruthlessness price tactics. They are not in business for humanitarian reasons, but for profit, and profit only. This methodology serves the corporations and their employees, but does not serve small businesses and the majority of Americans.

Millions of Americans are either uninsured or under insured, and millions more find it hard to pay for their healthcare. U.S. Government should start offering healthcare insurance, under the national healthcare plan, and accommodating the uninsured and underinsured Americans right away. Also, their entry in to the marketplace will provide a real time competition to the established healthcare providers. A lot of waste will be eliminated.

The initial stages of national healthcare plan will provide a real taste of competition in the marketplace, and will also create quality grades. Overall healthcare costs will drop, premiums will drop, price of prescriptions, prices of brand names and generics will drop, and the cost of long term care, hospices, homecare, etc will drop. This competition will encourage new facilities providing a variety of healthcare services at an affordable price range will emerge. It will also accommodate the small and big businesses to provide healthcare to their employees at an affordable cost upon which the viability of their staying in business depends. We should remind ourselves that millions of baby boomers are about to enter as Medicare recipients, and will be looking for affordable supplemental insurance, when the total number of healthcare insurance contributors will be decreasing because of the higher number of aging population. More uninsured Americans will join the current number of uninsured individuals, and the insurance premiums will increase. It is an ideal time to launch the national healthcare plan. There is plenty of money already in circulation within the current healthcare system, which may need to be re-allocated. The national healthcare package will serve two purposes: 1) universal healthcare, 2) national security.

An absolutely simple healthcare access process will be a winner in America. Creative and complicated healthcare plans do not work and serve satisfactorily. All the possible options should be in the electronic database where all the options, choices, changes, and flexibility should exist. All the healthcare related choices, options and changes regarding a health condition should be available to all recipients upon their contact or arrival at a medical facility, which will be most appreciated by almost all Americans.

Reciprocally, each individual will become responsible to seek medical attention immediately upon developing symptoms of viral infections, poisons, toxicity, radiation, etc which will serve the individual, fellow Americans, and the security of our nation.

A national health plan offering universal healthcare to all Americans will be an ideal step to take; even though the exercise will not be without pains during the initial stages, the overall benefits would be priceless. Guarantee of total healthcare to all Americans should be a given privilege which when instituted will be appreciated by the current and future generations.

Warmest regards,

Prem Bhandari