As the election cycle heats up, you are going to hear more and more about taxing the rich, cutting spending, etc.  Let’s cut to the chase shall we?

The President wants a “Buffett” tax on the rich.  This will generate approximately 47 billion dollars over 10 years.  If nothing changes we will generate additional deficits of over 10 trillion during that same period.  Not much of a solution huh?

The House of Representatives just passed a budget that reduced the deficit but still left us 800 billion in the hole.   Still not very good huh?

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Here is the answer that it going to shock you:  They can balance the budget (over time) without raising taxes or cutting a single thing.  How can that be right?  Hopefully, you recognize that the government increases spending each and every year.  Stop it.  Even better is that they don’t have to stop it all, just make a significant reduction in the amount of increased spending and the problem will solve itself.

So go ahead and pass the Buffett tax if you like and close the loopholes.  Go ahead and cut wasteful spending where you can.  The most important thing to remember is that the key to it all is for the government to simply stop growing.

As I talk to fold about the healthcare law, I am astounded at how little most people understand it.  Many believe it is going to provide free healthcare while others think it is going to provide cheap insurance.  Both of these are essentially wrong but let me explain the basic fundamental flaw found in Obamacare.

The law basically says that you must buy health insurance or pay a fine.  OK, let’s say that health insurance will cost $4000 per year and the fine for not buying it is $695.  What do you think most people would do in tough economic times?   What makes this worse is that if that same person got sick, they would simply run down and buy insurance since a company may not exclude a pre existing condition or charge them more.  So a lot of people (more than you think) will simply “game” the system.   Even worse is the employer scenario where the employer may simple dump his coverage if the fine is less than the cost of employee insurance.  Over 1000 companies have been granted exemptions from the new health care plan for that very reason.
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As a final thought, Congress exempted themselves and their staff from the health care plan that they passed.

When the government health care plan (affectionately known as Obamacare) was passed, the Congressional Budget Office (CBO) estimated the cost over 10 years would be about 900 billion (which was crucial in getting it passed).  Now, the CBO is saying that the cost will be about 2 trillion over 10 years.  How can that be?  What happened?

A little accounting gimmickry is to blame.   You see, they delayed implementation until 2014.  So, the first four years cost nothing.  So they were only showing the cost over six years rather than ten.  Now that time has passed and you run the numbers over a full ten costs years… guess what?   Even worse is that the CBO says the estimates for those who will remain uninsured or lose their employer benefits is much worse than originally projected.  So it appears there is really nothing affordable or protective about the Affordable Care Act.  Still a fan?  Read on.

Switching gears, you have probably heard that the United States Supreme Court about to decide whether or not obamacare is constitutional.   You can argue this on both sides and most certainly constitutional scholars will do just that before the Supreme Court (I’ll give my own argument in another article).  What fascinates me more than the lofty idealistic argument is the plain simple fact that our government passed a law requiring you to purchase something or pay a fine.  Really think about that and the implications of it.   If this is found by the court to be lawful, what is to prevent the government from tomorrow declaring that you must drive a hybrid car or pay a fine?  You must buy life insurance, or long term care insurance, or a college savings plan, etc or pay a fine.. the list is potentially never ending.
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What has always made America great is the personal freedoms we have always enjoyed without the government interfering in our lives.  Our goal should be, to the extent possible, to keep government out of our lives at any cost and with Obamacare, that cost is now 2 trillion over the next ten years.

I counsel a lot of people on debt and budgets.   The most common phrase I hear is that no matter what they try, they just can’t seem to get out of debt or stay within a budget.  However, when you actually sit down and look at the nuts and bolts of what they are doing, it is often some very simple changes that can make a world of difference.

As a simple example, let’s say they are eating out three times a week.  Cutting out just one of those outings per week can save a lot of money over a year.  It isn’t that radically changing everything is necessary,  it is simply cutting back on what you are spending and making better choices.  You never focus on what you can’t do, you focus on what you can.  If you focus on the debt, you may just throw up your hands in despair and say, I’ll never pay it off.  In the alternative, if you simply focus on something positive like paying a little more each month, it is amazing how quickly the problem can resolve itself.

This is the problem with our government today.   Everyone seems to despair over trillions in deficits and the problem seems so large that nobody wants to tackle it.  They even say things like.. well, cutting that only saves a couple million and we have  a trillion dollar deficit so what’s the point?    That is exactly the point.
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If they would stop focusing on what they can’t do and simply do the things they can, just like with your own household budget, the problem would resolve itself.   Trust me when I tell you that there is plenty of waste in the government and a million here and a million  there eventually adds up to real money.

Suppose you had a company but it wasn’t doing as well as you had hoped, so you hired an intelligent well spoken new CEO to run it for you.  He didn’t have a great resume but he was eager, had a lot of ideas, and showed some promise so you give him the job.

So, after three years, you come back to evaluate how he is doing.  What you find is that the company not only hasn’t shown a profit but has been running in red so badly that the company debt has ballooned from 10.626 to 15.467. The workforce went from 7.8% unemployed to 8.3%, supply prices (especially fuel) have doubled, the pension plan is broke, and the value of the business properties have continued to drop significantly.

So, you sit him down to talk about what is going on.  First he tells you that his predecessor is to blame for it all and he needs more time to fix it.  How much time?  About four years.  So in four years the company will be profitable? Well, no he says, but he thinks he can cut the losses in half especially if we raise the prices on our best customers because he doesn’t believe they are paying enough.  Where do you think the debt will be at the end of this four year period?  He says it might be double what it is now.  Really?  Is that necessary?  He says absolutely but not to worry, it is manageable.  What about cutting costs?  He says that really isn’t necessary.

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So you suggest that things are not exactly where you expected they would be and ask him to explain what he has been doing.  His answer?  He gave a lot of money away in the form of employee incentives and implemented an expensive new health care plan.   Really?  With everything we have talked about, that was the top priority.  Absolutely he says.

Now, regardless of where you are in the wide political spectrum, just ask yourself:  Would you allow this individual to keep running your company?

It simply amazes me that years after the housing crisis reared its ugly head that not one of the thousands of people in Washington seems to have a clue what to do about it.  Here are some of the ideas I would have implemented day one.

1) If you are currently owe more than your house is worth and you try to re-finance simply to get a lower rate, the bank will tell you that you don’t qualify for a new loan and won’t do it.  Does that make any sense at all?   Our government has been giving the banks billions of dollars and keeping rates artificially low and this is the result.  Here’s a thought: Why not make it a stipulation that if they took the government dollars they MUST reset the borrower’s interest rates if they go down?  Imagine that.. mortgage payments going down simply by virtue of taking advantage of an interest rate the government set.

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3) Make loan modification substantive.  If someone is behind on their mortgage payment AND they owe more on the property than it is worth, rework the 30 year mortgage to 50 or 60 years to make the mortgage payment affordable and get them back on their feet so that they can remain in their home.  Forget all the ludicrous red tape and make those the only qualifications.   This isn’t a giveaway, they are still on the hook for the mortgage but now they can afford it.  If I were doing it, I would also make these mortgages transferable to a new buyer.  Do you suppose their might be demand in the market for a property with a very low interest rate and mortgage payment?  Hmmm I wonder.