ConservativeTM is my personal blog on a variety of conservative political issues.

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Friday, April 24, 2009

25. Rational?

My cousin sent me a link from the alleged investment expert Jamie Dlugosch. The title of the article is “There is no place for gold on the global financial stage.” Mr. Dlugosch states that he “…despise[s] gold and everything it stands for” and that investment in gold is “hogwash!” He then lays out his five “expert” reasons for not investing in gold.

I have no idea what qualifies Mr. Dlugosh to hold the title of “expert.” But what I do know is that his five reasons seem to come more from a novice than any sort of thoughtful expert.

Since mid-2001, gold has risen from $260 to almost $1,000 an ounce. Although it has retreated recently to the $900 range, it is likely preparing for another major run upward. During this same time I’ve listened to investment talking heads on TV bash the buying of gold while gold ignored their advice and continued to climb higher in value. During that same time we watched tech stocks bubble, burst and lose 85% of their value under the Clinton administration. The real estate market bubbled and, to date, has lost 35% of its value. All this while gold increased 285% in price.

So, even though this site is primarily about politics, I’m going to take the time to go through the five points and refute Mr. Dlugosch’s arguments. But then, maybe this is about politics. I suspect that Mr. Dlugosch is probably a disciple and kool-aid drinker of the messiah and doesn’t want to accept that Obama is destroying the dollar, our economy and our way of life. In doing so, this then leads to gold being a very good investment and hedge against losses in other markets.

So – let’s begin…. Here are Mr. Dlugosch’s five reasons for not investing in gold. I have selectively edited his comments on each point. My rebuttals follow each of his thoughts.




1. There Is No Inflation. “….Today, the numbers do not support an inflationary environment and fear over current spending and stimulus of the government creating inflation is misplaced.”

Apparently Mr. Dlubosch actually believes government inflation figures, probably the most manipulated and inaccurate reports produced by the feds. The higher inflation, the more the government must pay in Social Security, government salaries and pensions, etc. It is to their benefit to keep the figures low. I don’t need an official report to know that inflation is alive and well in the US.

The Obama stimulus package, budget, massive borrowing and the Treasury simply printing another trillion dollars to throw into the economy, all work together to devalue the dollar and destroy the economy. Certainly, he can’t believe that this isn’t happening and that all those reasons don’t work to increase the value of gold? Well, maybe he can.


2. Gold Prices Are Easily Manipulated. “Unlike paper currency that is impossible to manipulate in any way, gold can be accumulated by a group of connected buyers for the sole purpose of eliminating supply from the market.”

Wow, amazing. He actually states that paper currency is impossible to manipulate. Someone needs to tell George Soros about this. Based on just one comment he made in an interview about the French Franc, the franc plummeted in value the following day. Or what about China's persistent manipulation of the value of the yuan? Doesn't Mr. Dlugosch read the financial news?

Is the price of gold manipulated? Yes, just as the stock market, oil, corn, wheat other commodities, real estate and currencies are manipulated. And who are the biggest players in these manipulations? It is banks and governments which regularly manipulate currencies, stocks, bonds and commodities. But much like the stock market, these manipulations are short-term moves. The market will always find its correct level over time.


3. Gold Is In Limited Supply. “Those who want to return to the gold standard fail to appreciate that at some point a lack of supply could have disastrous consequences in a gold-based system.”

Yes, there is a very limited supply of gold in the world, only about two Olympic-sized pools worth. It is one reason this metal gets the adjective “precious” in front of its name.

But as fiat currencies become worthless and individuals turn to something to preserve their wealth, precious metals such as gold, silver, platinum are at the top of the list. China has even begun to hoard copper as a hedge against falling fiat currencies.

Is it viable to have a gold-backed currency? Probably not, but that doesn’t make gold a “hogwash investment” over the next 3 to 5 years.


4. Gold Was Dead For 20 Years. “For more than 20 years, the price of gold did nothing. If you invested in gold, you wasted your time. That all changed with fears of inflation and hedge fund speculation several years ago. Today, the church of gold is full of believers. What changed?”

Yes, that is true. But from 1975 until early 1980, gold was a fantastic investment, going from $35 to $860 an ounce, a return of over 2,300%. Mr. Dlugosch, all investments move in cycles. Stocks tend to move in twenty-year cycles. From 1920 to 1940 the Dow Jones Industrial Average moved from about 110 to only 130. From 1960 to 1980, the DJIA again went sideways from about 600 to 800. That was an average annual return of merely 1.45%. But that doesn’t mean that stocks weren’t a fantastic investment between the years of 1940 to 1960 and 1980 to 2000.
If you bought real estate in Southern California in 1989 you watched as the value of your property declined 40% and had to wait another ten years for the value to return to your original purchase price. Investment-wise, was that a good ten years for you? On the other hand, if you bought real estate in 1994 and sold it in 2004 you did quite well.

All investments have periods of boom and bust.



5. The Dollar Is The Global Currency. “Do not underestimate the strength of this country as compared to the rest of the world. Predictions of our demise are premature.”

I agree, we are still a powerhouse of a country. That does not mean that the dollar cannot go into crisis nor is it premature to sound the alarm at the direction we are being taken by the Obama administration and a complicit Congress. Our government is moving in the same direction as other fallen empires by destroying our monetary system and our economy through excessive borrow and spend policies. I’m sure there were those shortly before the fall of the Roman Empire who insisted it couldn’t happen as well. With computers and the internet, it can happen almost instantaneously. Civilizations and empires also come and go in cycles. And even if this is not the end of the United States as we know it, it again does not mean that gold is not a good investment right now.



Mr. Dlugosch founded and edits a newsletter called “The Rational Investor.” I guess we’ll see just how “rational” his advice really is over the next three to five years.

24. The Bubble-Headed Bleach Blonde

"We got the bubbled-headed bleach blonde
Who comes on at five
She can tell you 'bout the plane crash
with a gleam in her eye." - Don Henley, Dirty Laundry


The other day I caught a few minutes of CNN, you know “The most trusted name in news?” They were discussing another of Obama’s anti-business proposals and the costs associated with such a program. The anchor finished the segment by saying, “the concern is that corporations will pass these costs on to the consumer.”

I couldn’t suppress my very audible sigh. Is there a brain in anyone’s head in the media? How about academia? I’m beginning to seriously wonder.

So, in my effort to educate the left by writing this column, I’m going to give a brief class on businesses and corporations. I’m hoping to enlighten those Ivy League intellectuals that run the news rooms of CNN, NBC, CBS and ABC. God knows, SOMEONE needs to have a talk with them.

Guess what Ms. CNN-Reporter? ALL costs of businesses are borne by the consumer. Did you hear that? The consumer pays ALL COSTS. Instead of repeating this ad nauseam, I’ll just ask you to re-read the first sentence of this paragraph fifteen times.

Costs of doing business include rent, salaries, fuel, energy, raw materials, office supplies and equipment, legal fees, government regulation, lawsuits and, are you ready for this one…….. TAXES. Yep – even corporate taxes – are paid by the CONSUMER. These costs are passed on to the consumer in the price of the product. And, if you didn’t already know, a corporation isn’t even a person – it is merely a piece of paper filed away in a law office.

Now, what about the investors, you know, the stock holders? Hey, maybe they are the evil, greedy ones CNN talks about. Let me ask you a question, Ms. CNN. Suppose a stock broker calls and wants you to invest in the ABC Corporation, a little start up firm that makes ATWs (advanced technology widgets). The price per share is $10. You understandably ask about the company’s profit potential. ABC Corp, your broker tells you, has no intention of making profits – EVER. So, if the company does well, your share price will never be more than the $10 you originally paid. If they don’t do well, you’ll lose your money. Also, since they don’t want to be greedy and make a profit, there will never be any dividends paid to you. So – are you ready to invest? At the bank in a safe, secure CD, you’ll get 3% on your money. If you invest in ABC, at best, you’ll merely get your money back and, at worst, you’ll lose. Is this a difficult decision? If a corporation doesn’t make profits, no one will invest in their business.

Hey, Ms. CNN – are you still with me here? Or am I moving too fast?

Ok, let’s review - if a company doesn’t pass along its costs of doing business to the consumer it can’t make a profit. If it doesn’t make a profit, then investors won’t invest and there won’t be any companies.

During the Clinton administration, Big Bill was hot on raising the minimum wage. A businessman challenged Bill complaining that the higher wages would hurt his business. Yale and Rhodes Scholar Bill replied, “just raise your prices.” Guess what Bill, if I get a raise yet the cost of everything I buy goes up at the same time, my raise is meaningless. I’m in the same spot I was before I got the raise.

The left keeps proving to me over and over again that they are the “feel” people. They make all decisions based on how they feel and never seem to bother using their heads. Yes, it does feel kind of good to hate big corporations. It feels good to point your finger at something or someone else on which to blame your own problems even though it solves nothing. Ultimately, you will be the one that is hurt, not the corporations. You will be hurt either in having to pay more for goods and services, by losing your job or you will watch your investments, your pension, your IRA and your 401(k) values drop like a stone falling from a tall building. If you ultimately drive corporations out of business or out of the country, it will be the employees and again, the investors who are hurt. It’s pretty difficult to hurt a piece of paper – or didn’t you know.

Hey – guess what Ms. CNN, that’s exactly what is happening right now. Stock prices are falling just like that stone off of that imaginary building and with it Americans are watching their savings and retirement funds fall dramatically in value. It started, interestingly enough, as soon as Obama got the democrat party nomination and began his war on business.

Now do you understand? Or will you need another class?

Wednesday, April 22, 2009

23. The Perfect Storm

We conservatives have sat passively by for the last seventy years while the wave of socialism, started by the FDR administration, has continued to build strength and pour over us. We’ve worked, saved, raised our families and voted yet the storm, with a brief respite during the Reagan years, has grown larger and more devastating over time.

LBJ’s Great Society cemented the inevitable outcome we are just beginning to witness as those who contribute less and less demand more and more from those who produce wealth in this country. They have demanded, organized, lobbied, intimidated and voted themselves entitlements which are quickly bankrupting our nation.

We conservatives sat quietly and watched in the early 2000s as the Bush administration and the Republican controlled congress did nothing to ease the tide of socialism. Economic values and principles embraced by conservatives were ignored by Bush and the Congress and spending and waste continued unchecked.

Disillusioned by the Republican party and their candidate fielded for the 2008 election, some were desperate enough to vote democrat while many opted not to vote at all. Regardless, the approaching wave could not be stopped. Now all elements have come together to form the perfect storm, an economic Category 5 hurricane led by Obama, Pelosi, Reid, the democrat Congress and the main-stream media. Together they will destroy our economy, the dollar and every entitlement program devised over the last 70 years. It will wipe out and cleanse this country of socialism much as Katrina washed over New Orleans. In their attempt to banish the US of conservatism, they will instead be washing away all signs of their precious socialism.

Just as a hurricane needs fuel to continue its destructive journey, this storm needs money - your money - to feed itself. Hurricane Obama will seek out every dollar and confiscate it from those who have worked and saved. It will be taken “for the good of the collective.” When the monetary well is sucked dry, the Fed will print more and more worthless, inflated dollars of which will have no real value.

As much as Obama loves to crow about only raising taxes on a small portion of Americans, it is only the delusional who believe it. Taxes on sales, income and energy have already begun to rise in many states. "Sin" taxes are increasing at astronomical rates. Fees charged by government agencies have already, in many cases, doubled. A rise in corporate taxes means a subsequent rise in the products they produce. These are taxes and fees paid by not only the wealthy and the middle class but also by the poorest of those in our society.

What is soon to come? Inheritance taxes will be raised to levels only seen in socialist Sweden. There will be no point to even attempt to save for the next generation as the government will confiscate it. Already Obama’s administration is talking of confiscating retirement savings accounts, our IRAs, 401(k)s and annuities. These have been declared to be a “failure” by his administration and that they should be rolled into the Social Security system so that the government can "properly manage" them.

Profits made by wise individuals investing in energy, gold, silver and other commodities are already being targeted. Obama wants a big portion of their "ill-gotten gains" and is looking at windfall taxes exceeding 90%.

In the late 1990s, James Dale Davidson published his book, “The Sovereign Individual.” I suggest everyone read his book keeping in mind when he wrote it and then what is happening today. We as conservatives and moderates have no choice but to economically rise up against our government to preserve ourselves. Continued inaction will destroy any security we have amassed.

We must have a two-pronged approach to this storm. The first is to preserve our own wealth and the second is to cut off the monetary fuel that feeds this monster.

First, for those who still work, increase the deductions on your W-4 form, especially if you are someone who annually receives a refund. Stop lending money to the government interest free. If you are brave enough, stop paying taxes all together. After all, doing so didn't seem to hurt Tim Geithner's career.

Second, start paying for purchases in cash, preferably from smaller, locally-owned stores and markets. Negotiate “no sales tax” purchases. Not only do you save money by avoiding taxes, the vendor (regardless of his political persuasion) avoids paying state and federal income tax as he is unlikely to declare the income.

Third, if you are over 59 ½, consider rolling all money out of your IRA and 401(k) plans. Not only are you likely to pay higher taxes on what you withdraw in the future, but you risk having what is left in the account confiscated and rolled into the Social Security system. For those in Roth IRAs, do not count on the government keeping its promise for tax-free withdrawals. Ever since the inception of the Roth IRA I have been highly suspect that anyone, especially anyone of moderate means, would ever see the day in which the government didn’t renege on that tax promise. If you are under 59 ½, I would first stop contributing to your retirement account, take that money and begin buying gold and silver, as I talk about in the point below. If you currently have money in your retirement account, consider the penalties that will apply should you pull money out of your IRA. Reconsider your account and your contributions and what would happen if that money was suddenly gone and under the control of Nancy Pelosi.

Fourth, begin buying gold and silver. Not mining stocks or ETFs, but the physical metals. Be aware that FDR confiscated gold from those wise enough to hold it in the 1930s. Much of it needs to be in vaults in foreign countries such as Switzerland, Lichtenstein, or other countries with strict, private banking laws. Do not use banks with international branches such as UBS or Credit Suisse. Find smaller, independent banks. There is nothing illegal in transferring money to another country and buying gold for the bank to hold. Keep some silver on hand, either in the form of ingots, American Eagles or silver coins minted prior to 1965.

The Obama administration is already hoisting the red flag warning us about violence in the streets. But instead of the wild-eyed, rabid, right-wing conservatives they fear, it will be those people who were promised government money and will now be cut off that will be rioting. It will be their blood that is spilled in the streets as their only sources of income are cut off or the dollars they do receive are worthless.

The storm will pass, but the victims will be like those who stayed behind in New Orleans, believing the inevitable could never happen during Katrina. Open your eyes people, it is happening now and the financial devastation will be like nothing we have ever seen before.

Thursday, March 26, 2009

22. The Messiah and Change

Obama and his disciples are smiling and laughing and celebrating as if there is no tomorrow. Yes, Obama is the messiah bringing change to this country and change that has long been needed. He compares himself to Abraham Lincoln and to Franklin Roosevelt. These comparisons are historically valid, except not in the way Obama envisions them. Where Lincoln unified the nation, Obama will split the country. Where FDR ushered in socialism, Obama will destroy the social programs created under FDR and those he also creates. The “change” Obama is bringing is the end of the federal government as we know it – and it is change that is long overdue and necessary to return this country to the original vision of our founding fathers.

Our country can no longer live under the burden of inept governmental control and regulation. Each social program created sucks more life out of our economy and provides little or no benefits to the supposed recipients of such programs. Like many historical events that seem fated in retrospect, Obama appears to have been selected by God as the right man in the right place at the right time. He will bring this country to its knees and he will go down in history as one of the most incompetent and hated leaders of all time. If he avoids impeachment, or even worse, he will be lucky. He will probably be the first ex-president who will have to live in exile from his home country, fearing for his life.

Unlike the 1930s when FDR began the New Deal and later in the 1960s when LBJ expanded upon those social programs with the Great Society, Obama leads this nation in a very different time. His predecessors did not face a nation whose citizens know nothing but government hand outs and programs as we do today. Millions of Americans demand or soon will demand their Social Security payments – retirement life blood for which they paid dearly during their working years. Government employees, including teachers, look forward to their pensions, many realizing, at this point, that the cupboards are already bare. Generations of families who know nothing but a life of continual welfare programs will soon be forced to work – or they will starve. Government assisted businesses which have no idea how to run profitably will soon find such assistance terminated. All will soon find the rug pulled out from beneath them when the well is dry and there is nothing to give them but worthless, inflated dollars which will barely sustain life.
Also not faced by FDR or LBJ is the internet. A government can only control its people as long as it can control their money. In the 1930s, the thought of average Americans having foreign bank accounts was unreal. Funds can now be transferred to any safe haven throughout the world with nothing more than a click of the computer mouse. As working Americans see their savings taxed to death or destroyed through inflation, they will quickly move their nest eggs abroad into havens such as gold and silver. As businesses are taxed or regulated into extinction, they too will move to business friendly nations with only satellite offices in the US. Corporations will leave the country, taking with them the jobs Americans so desperately need. Yet, Obama will find other ways to tax and confiscate the wealth of this country. Just as FDR confiscated gold from Americans wise enough to hold it as a hedge against the crash and depression of the 1930s, so will Obama come after every American wise enough to protect themselves from the destruction of the US dollar and our successful, capitalistic economic system.

But, unlike other countries and people who fell to communist/socialist regimes, Americans will rise up and revolt. We already see “Tea Parties” organizing and protesting. Several states are in the process of passing resolutions supporting the Tenth Amendment which secures states rights. Governors are refusing to accept stimulus money and with it, the strings which are attached. And many people, even average Americans, are already transferring their wealth to other countries, to protect it from the greedy, evil, power-hungry, self-serving politicians who care nothing about this country and only about their own interests.

Unlike other people at other times, most Americans are not sheep who will simply be led to the slaughter house. We will revolt, not necessarily with guns, but with something far more powerful – our wallets. We will bankrupt this country and with it the communist/socialist ideals that have slowly whittled away our freedoms and our economy. And once this country collapses, it will rise again under leadership also fated by God. Men and women, much like Ben Franklin and Thomas Jefferson in the 1700s, will take our homeland into this new century, having learned the lessons of a corrupt and over-reaching government and will place stronger restrictions and limitations into our Constitution.

Yes Obama, you will bring change, but it is the change for which I pray and not the change for which you and your disciples yearn.

Friday, February 27, 2009

21. Phoenix Rising

What is the function, goal, or purpose of our public education system? Is it to ensure that every American child is educated and knowledgeable enough to compete in today’s technological age? Or is it to simply move students though an antiquated system which hemorrhages money from tax payers while supporting a massive, ineffective, bureaucratic white elephant which produces results that can only be graded as failure?

Regardless of any official response by the NEA, the public school system or any other public school organization, the actual answer is the second. Currently in the US, over fifty percent of students leave school classified as functionally illiterate, with an education level less than the fifth grade. In poorer urban areas, such as Detroit, the number soars to seventy-five percent. Blaming lack of funds is pointless since we already spend more per student than other industrialized countries with superior educational records. Even within the US there is no correlation between spending per student per state and performance results. Private schools and charter schools generally cost much less per student than public education yet they also yield far better results.

Our public schools are bleeding us dry economically and leaving our children completely unable to compete in a modern society. Is it any wonder that American companies turn to foreign labor for computer programmers, engineers and technicians when our children leave school unable to do basic math and write simple sentences. What jobs await a generation of illiterate Americans in an age which demands specialized knowledge instead of merely a strong back for the plowing and harvesting of fields? Yet even in our colleges and universities, the emphasis is on liberal arts, humanities, and racial and gender studies – course work which leads not to in-demand, high-paying jobs, but jobs in education or, for most, as clerks in department stores.

The question that should be asked by our school system is, “What is the most effective method to teach?” This question should be the basis of our educational system. Not only do our public, and even many private, school systems not ask this question they have in fact, continued to teach in the same way as when this country was founded over 200 years ago. We continue to throw a mix of students into a classroom with a textbook and a teacher and expect that nine months later the students will have learned and will retain what is necessary to advance to the next grade and on to succeed in life.

Each element, the teacher, the textbook, homework and the class structure all ensure failure. And failure we have seen. Sadly, the comment I’ve heard from more than one teacher is, “the public has to understand that some children simply can’t learn.” Not only do the methods of teaching employed by our school system guarantee failure, but many teachers have been institutionalized to believe that the onus for education is solely on the student and not upon the teachers and the school system.

Let’s look at each element of our current system and why it should surprise no one that our school system has failed us and will continue to fail us unless radically changed.

Teachers

Excluding a child's parents, teachers are probably the most important link in education. Yet, as humans, they too fall under the bell curve of performance. Five percent will be outstanding, the next ten percent will be very good and the rest fall quickly into mediocrity and on into incompetence. Even those who may have once been great teachers can easily become bored, indifferent and ineffective. Excellent, motivated teachers become frustrated with a system that does not allow change and creativity nor rewards them for successful results. With tenure and the protections provided by the teacher’s unions, these numbers could actually be worse as it is almost impossible to weed out bad instructors in the system.

The better the teacher – the better the education. Yet statistically a student is likely to encounter only 5 to 7 great teachers in their lifetime. This is exactly the number I came up with in looking back at my time from elementary school through college and the number is right on the 5% mark as stated above.

Are the best teachers even in the education system? Some of the most knowledgeable and exciting educators are likely in private enterprise. They have a wealth of knowledge to share but choose not to enter teaching as a full-time profession.

But even with the best teachers, they are not necessarily the best or most effective teachers for each student nor can any one teacher meet every student’s learning needs.

Textbooks

Textbooks are probably the weakest link in our education system. They are written, evaluated by teams of editors and educators, used for a few years, discarded and then new textbooks become available. Yet, as far as I can tell, there has never been a system to evaluate a textbook’s effectiveness. Did it actually engage and teach students? If not, then how can it be changed so as to become effective?

Sadly, this question doesn’t even seem to be on the radar screen of the educational system. Sadly also, this is a great opportunity that is missed in education. As someone who enjoys reading, I know that text does not have to be dull to contain and teach important information.

Structure

This is probably the most antiquated element of our school system. We place our students in a classroom from September until June, break the year down further into semesters and quarters and from 8:00am to 3:00pm hope for the best. All based on a farming schedule that no longer exists for almost anyone in the US.

We all learn at different rates and even those that may learn quickly in math may at the same time learn much more slowly in English or history. Does the structure allow for this? No, there are few allowances. It is the same structure for each student in each subject.

Homework

Homework is definitely an important part of education. Working through problems, researching information and writing essays are all important methods of learning. Yet, homework in our school systems has become too much of “busy work” in which nothing is learned.

Another problem with homework is, who exactly is doing the work? The student? The parent? The tutor? I’ve seen tasks assigned to third graders that no fifth grader could accomplish. Only with the intervention of parents can the assignment be completed. Presently in the school system, homework is routinely not returned to the student for evaluation. If I cannot see what I have done wrong, how can I then know what I need to go back and learn or review? Writing is learned almost exclusively through writing, editing, re-writing and then re-writing again. Not being able to review what is both correct and incorrect with assigned work does not lend itself to education.

What is the objective of education?

Shouldn’t the objective of education be to ensure that all students excel to the best of their abilities? That each student, regardless of their IQ, their parent’s abilities, their economic background or even their language skills, has the best opportunity to learn and be educated? We cannot have a great society if our citizens are illiterate. We continue to move into a technological age that demands scientists and mathematicians yet we turn out students who cannot read, write nor even add and subtract.

The complaint of the public school system is primarily money, although I have heard teachers also blame society, the media, music, etc., etc. All of this finger pointing is a complete waste of time. The tools are available to ensure that each student receives the best education possible, yet, with the exception of some home schooling tools, no large education system is even bothering to move in this direction. Not only is it possible, it is inexpensive.

What is possible?

The answer to our educational problems lies in a virtual internet classroom. The internet possess the power to be the greatest educational tool ever available, a virtual classroom which can reach every student in the world. A tool, if used properly, which can reach and educate every student, addressing their individual learning needs and evaluating each teaching method implemented. And – when methods are not effective, change instantly.

Let’s first start with education objectives – measurable objectives. What should every student know at the end of their formal schooling? What level of reading and comprehension should they achieve? What about math? History? Writing? What tools and knowledge do they need to succeed in society and in higher education?

Once these objectives are defined, the second goal is to determine the best method to teach these objectives to each student. I don’t have to be a teacher to know that some mix of audio and visual is probably the most effective. Start with a great teacher, a great communicator and put him or her on video. Start adding other visual and audio tools to determine what mix effectively impresses the information into a student’s brain. If we are talking about the civil war, show photographs and videos of the battlefields, the people involved, and maps of the region. Produce films that engage students while teaching them facts, not Hollywood pseudo-history. The presentation may not even include a human teacher – animation or computer generated graphics may be what is most engaging. Instead of casting effective teachers aside, as the public school system did with Jaime Escalante, analyze and duplicate their methods and reward those teachers financially for their innovation.

Homework need no longer always be separate from the lecture. It can be integrated into the flow. Learning can become entertaining or even a game with problems to solve and text to read as part of the lecture-type presentation. This not only helps the student to learn but allows the teaching programs to evaluate their progress. A method to track progress, to discover where the student’s learning is deficient and re-present the same material in possibly another more effective format for this student.

If one student requires more video stimulus, the course can automatically adjust to meet that student’s needs. If a student learns and retains more from reading than from audio, the tool can shift again. We know many of us quickly retain information presented in rhyme or song format. This is how most of us learned our ABCs. Employ song writers to compose learning tools, especially incorporating what would be considered dry information such as dates of significant events. We all know when “Columbus sailed the ocean blue” because of a rhyme. Yet most Americans cannot even place the civil war in the correct century.

If students finish a presentation and cannot meet the minimum requirement of a review exam, they can not only go back and re-take the course but can also consider alternative options for this particular coursework. Maybe another program, teacher or virtual classroom is clearer and more effective. Also, those producing the material can change and edit the material should their internal auditing of student progress show that the coursework is not effective in thoroughly teaching the students the required material. These techniques can be analyzed, quantified and duplicated so that every student has access to great educators and excellent teaching methods. The methods can be constantly refined and improved, working toward 100% education of all students. Students no longer need to be afraid to raise their hand in class when confused. The virtual classroom works with them, providing more information as necessary in a variety of formats to ensure that each student understands and retains the material. A student is not locked into one classroom, one teacher or one school.

Education does not need to be dull to be effective, in fact, the opposite is true. We are more likely to learn and retain information when we are entertained and engaged. In college, I had two professors in whose classes I rarely took notes. They were such effective speakers that they impressed the information upon me without my writing anything down on paper. In some cases it was entertaining, such as my economics professor standing on his desk singing, “Look for the union label” to introduce the effect of unions on our economy. In another situation, it was a passionate educator who knew how to speak effectively and impress his knowledge upon our class.

Students with a passion in one course can then have access to further information. Instead of ending the class at the end of the text, he can explore and learn beyond the curriculum, as long as, of course, he continues to do well in all other courses. The programs can even evaluate and use those courses a student finds especially interesting as a carrot to entice them to work through the more difficult subjects.

The programs can even evaluate a student’s strengths and interests and begin suggesting possible careers that would interest a student. The average high school graduate is usually only familiar with one job, that of a teacher, since it is the only profession he or she has witnessed. Programs can introduce students to a myriad of occupations which they likely, never knew existed.

What about those people in private enterprise, the ones actually building the buildings, the bridges, developing software or researching new drugs? Without leaving their laboratories or offices they too can reach millions of students and enlighten them with their knowledge and experience. It can be complete course work or lectures on just one or two topics.

There are no time constraints with such a system. The student can log in and work through each course at his or her own pace. Unlike the current classroom, a student can review any topic that is not clear. Further examples can be presented to clarify the subject. Students who excel in one subject can move quickly, at their pace, through the material, eliminating the problem of a good student being bored by classroom progress while slower students struggle. Which is more important, having students finish school in 12 years and be illiterate, or having them finish in 14 years and be fully educated? Realistically, a system like I propose would most likely greatly reduce the time necessary for education, for both the gifted and the challenged student.

Political indoctrination has become an issue in education. Leftist teachers with captive audiences rant daily about their political beliefs with no opposing view opined to give the students a balanced view. I was also subjected to such bloviating in high school and would not hear any opposing view point until much later in my life. This issue would quickly become a non-issue as parents can review and rate educators in the virtual school. Parents can not only review the material presented to their children but can also become quickly involved in their education as they too can log on and work along with their diminutive scholars.

Evaluation of the current system is almost impossible. Even if it could be properly evaluated, it cannot be effectively changed as teachers are in their own classroom each day, each using their own, unique methodologies. Their weaknesses cannot each be realistically addressed and their strengths cannot be brought to other classrooms.

What of the cost of such a system? The initial cost would be in the production of each module. As education modules go online, the best will quickly profit and will refine and improve their coursework. Even at a cost of only $1 per course module per student, an excellent educator could easily make several million dollars a year. The cost per student for a full year could drop from the current $8,000 to $13,000 to several hundred, including a computer and other necessary materials. Such a system need not be limited to the wealthy, I believe strongly in publicly funded education but I am strongly opposed to government controlled education which provides no choice to parents or students.

Clearly not all courses can be simply reduced to an interactive audio/video presentation. Writing is a great example of something which requires constant feedback, rework and editing. Yet, teachers with a passion for writing can still offer courses, albeit probably more expensive than $1 per course per student, to evaluate, encourage and inspire students. Their work can reach not only those of us who need to write no more than a coherent letter but to those wishing to write the next great American novel.

Some courses would need to move beyond the virtual world into a physical realm. Learning centers could easily be funded and staffed at a fraction of the cost of current education. Small children would also most likely need more mentoring and monitoring. The virtual classroom can be in ones home or in a more traditional setting with proctors and teaching assistants helping the students move through their course work.

Testing, beyond that embedded in the virtual classroom, would probably also be necessary to ensure each student is learning the coursework. Again, such centers could be made available, even temporary centers, to ensure progress.

On-line libraries of course material can be established and the course work evaluated and rated, by staff, students and parents, as to their effectiveness. These virtual schools need not stop at high school. Imagine each of us being able to get a “Harvard Education” each from our own home. If the professors at these colleges and universities truly are the best, then make them available to the world instead of just an elite few with parents possessing deep pockets or the proper political connections.

In a virtual classroom – including university level – industry can begin to influence the curriculum by providing the coursework and teaching the skills necessary for students to succeed in their selected fields. I have attended college level classes after working in the “real world” which were either completely irrelevant or the information presented was totally wrong. Yet there is no monitoring or evaluating of these courses. Not only can providing such course work be profitable to the companies in a variety of disciplines, it also provides them with the educated hiring pool necessary to staff and grow their companies.

As home schooling has become more popular in the United States, those opposed to such a system continually bring up “lack of socialization” as an objection to such a system. A virtual classroom, especially for many students working from their homes would raise the same protest. This is probably the weakest of all objections to non-traditional education. Most of the socialization occurring in our schools is not positive. Peer pressure includes smoking, the taking of drugs, non-performance in school (because it isn’t cool), clothing, pressure on physical appearance, or being classified as a nerd or a geek. Some schools in urban areas do little more than try to control violence. As I mentioned above, slower students regularly suffer from “socialization” in the class room as they are mocked for being “stupid” and for asking “dumb questions.” This process causes them to withdraw, remain silent, and stop learning. But what I find especially difficult to understand is that anyone would rather their child be “socialized” than educated. An illiterate adult, no matter how social, is still unlikely to find work. Socialization can take place in church groups, sports, organized social activities and clubs. School is not the only place that interacting with others can take place.

The possibilities in education are endless with the use of the computer and the internet. So far, only a few home schooling companies and teachers have tapped into this market and are making progress. The established school and university systems will fight such a change as their objectives have little to do with education, their objectives are about maintaining their empire and their power.

Fortunately, it is an empire about to collapse and its destruction will benefit every child and every student with access to the internet.

Wednesday, December 10, 2008

20. Proud to Be

There are many differences between conservatives and liberals but the one I find, by far, to be the most interesting is how those on the left and right respond to being labeled by their political beliefs. Say to someone on the right, “You are a conservative!” and they will most likely respond in the affirmative and smile. But say to someone on the left, “You are a liberal” and they recoil in anger.

In a recent conversation, I referred to Obama as a socialist. The reaction from the liberals to whom I was speaking was as if I had just referred to Mother Teresa as a child molester. The look on their faces was a mix of horror and rage. They immediately responded with attacks on Bush. Clearly they were upset about the label and yet I cannot think of a label which more accurately describes Obama’s political leanings. He has clearly stated on many occasions that he wants to take money away from oil companies and from those making over $250,000 at year (or was it $200,000, or was it $150,000?) and give it to those who earn less. He has also proposed a host of government programs, including government run health care, as a solution for what he sees as social ills and problems in the US. That is socialism. It certainly isn’t capitalism or libertarianism. Redistribution of wealth – the taking from those who earn money and giving it to those who have not, even under the guise of “those who need” – is socialism. What is the mantra of socialism/Marxism? “From each according to ability to each according to need.“ That is from Karl Marx as in Marxism – as in socialism.

Yet the left is appalled by anyone attaching a label to them that so clearly defines their beliefs. Why?

In observing my liberal acquaintances, I can only surmise that they themselves know that liberalism/socialism is a doomed and misguided ideal. In fact, that is all that it is – an ideal. We’ve see the results in the U.S.S.R., Cuba, North Korea and East Germany and none of these countries under the rule of socialism have caused throngs of immigrants to come knocking at their doors for economic salvation. Most liberals I know live a lifestyle of conservatism yet preach liberalism. It is as if they want to believe in their hearts that the earth is flat (for some reason) yet have seen the pictures from Apollo 11 and know in their minds that it is an illusion.

The next aspect of liberals which I find so fascinating is that to them, their belief system, as it applies to the world, is all or nothing. Everyone MUST follow and be under the control of liberalism, or as they like to say, politically correct thinking. At this point in our history, I would very much like to see the United States fracture into two countries. One being conservative/capitalist, the next being liberal/socialist. When I mention this idea to conservatives, they seem to feel it might not be a bad solution. Although they feel it would be sad to break apart our country, they also feel that those who strongly embrace a socialist ideal should be able to live under their belief system and those who embrace conservatism should also be able to live in peace under their ideal. But, when I mention this to liberals, once again they seem to fly into some sort of rage. They don’t want anyone living in a conservative/capitalist society, even if it is by their choice!!

I guess I shouldn’t be surprised by their response, after all, isn’t it only socialist/communist countries that have erected walls and fences to keep people from fleeing their utopia? Conservative/capitalist countries, on the other hand, have had to consider ways to stop the flow of people, even those risking their own lives, who want to emigrate.

In spite of the empirical data showing economic ruin and elimination of personal freedom, many Americans still see salvation only through socialism and only if all people are forced under that one system.

Hmm… I thought the democrat party is the party which believes in freedom of choice!

Monday, December 1, 2008

19. Hawk v. Dove

    The leftist appeasers are celebrating that their new “messiah” is about to occupy the White House. They are reveling in a euphoria of “hope,” that the world will once again join hands and sing Kumbaya and peace will prevail among all people. War, they say, is an outdated paradigm, one from which we have “evolved.” Intellectuals see Hawks as backward hicks from the “flyover states.” They are “unenlightened” and “non-progressive.” Ah – those silly, ignorant fools who don’t believe that “negotiation” can solve any problem. How distressed and saddened these leftists have been over each solder killed in Afghanistan and Iraq as well as over this “senseless” war. The messiah, like his enlightened predecessors, Clinton and Carter, will surely lead us into a new era of peace and harmony. Hallelujah and Amen!

    Hmm…. let’s have a quick look at the record of appeasement under those two presidents before we anoint anyone.

    After taking office, Jimmy Carter announced that one of his top concerns was human rights and one of his targets was the Shah of Iran. He threatened to withdraw all US support of the Shah unless human rights violations ceased. Carter’s anti-Shah speeches blared from public address systems in downtown Tehran by those wanting to overthrow the Shah’s regime. Interestingly enough, once the Ayatollah Khomeini took power, he executed more people in his first year than the Shah’s SAVAK (secret police) had allegedly killed in the previous 25 years. No doubt that was “progress” of which Mr. Carter is still quite proud.

    The fall of the Shah was followed by the storming of our embassy in Tehran and the holding of our fifty-two American hostages for 444 days. Carter kept “negotiating” or, “showing weakness,” as such regimes see appeasement, and Khomeini just kept smiling and holding our citizens. Only when Ronald Reagan was sworn into office after almost two months of declaring he would immediately begin bombing Iran should the hostages not be released were they finally set free.

    The fall of the Shah and the establishment of the Islamic state set the stage for the Taliban, al-Qaida and the jihadists to follow. Khomeini then introduced the idea of suicide bombers to Hezbollah and funded their operations. Hezzbollah later killed 241 US Marines in their barracks in Beirut in 1982.

    Carter continued his effective and enlightened program of appeasement in 1994 when he flew to North Korea to once again “negotiate” an end to their nuclear program. Considering they were given oil, fuel and nuclear technology in return for stopping such a program, something I thought was called “extortion,” is it any surprise that North Korea never did stop their program and has continued until today to develop nuclear energy and weapons? Yet, leftists still pine for the days of Clinton and Carter and their “workable” policies.

    Let’s move forward to the next enlightened, intellectual, evolved, progressive and correct-thinking president – Mr. Bill Clinton. What happened under his dovish presidency?

    1. The 1993 World Trade Center bombing which killed 6 and injured 1,000
    2. The 1995 bombing in Saudi Arabia which killed 5 US military personnel
    3. The 1996 Khobar Towers bombing in Saudi Arabia which killed 19 and injured 200 US military personnel
    4. The 1998 bombing of the US Embassies in Africa which killed 224 and injured 5,000.
    5. The 2000 bombing of the USS Cole which killed 17 and injured 39 sailors..

    After each of these attacks, Mr. Clinton promised that those responsible would be hunted down and punished. Instead of attacking and killing those responsible and taking bin Laden when offered by Sudan, he appeased and he negotiated with the terrorists. After all, we aren’t animals are we? No, we are enlightened and evolved progressives! Instead, his inaction strengthened the resolve of bin Laden and his minions. They then planned 9/11 during his presidency and executed it in 2001. They killed an estimated 7,000 Americans in New York and Washington DC and injured thousands more. .

    The fact is that since Bush began his “war on terror,” American interests, both at home and abroad, have not been attacked. As much as those intellectuals warned us that we were “stirring up a hornet’s nest” and that “more attacks were eminent” history has instead shown that these Islamist were not as interested in standing before Allah as they would like us to believe. Force is necessary at certain times in history in dealing with certain people. Period.

    “The Messiah” is already putting out the message of appeasement and negotiation to the world. Bush’s “outmoded” paradigm of war is over. Is it really any surprise to anyone what just happened in India? The word is out, Obama is ending the War on Terror and so terrorists can now feel free to rise up and strike without being concerned about retribution. In fact, based on the Clinton and Carter models, they can probably expect future “appeasement” funding directly from the US of A.

    What I want is an “enlightened” intellectual to tell me how many Americans must die both at home and abroad under the Obama regime, before they acknowledge that sometimes war is the only solution. The left so desperately wanted the bodies and coffins of the dead soldiers from Iraq and Afghanistan shown on television yet pushed to have all images of 9/11 banned from the media. In 2004 during the presidential race, they attacked Bush for re-playing such images in campaign ads. They wanted to believe it didn’t happen, that their policies of appeasement could never have led to such a tragedy. Of course, that is exactly where it led and it will lead there again under Messiah Obama.