Thursday, March 8, 2018


Monday, March 12, 2018



The “Economic Growth, Regulatory Relief, and Consumer Protection Act”. (Senate Bill S-2155)

I received a same day reply from Senator Debbie Stabenow explaining her vote in favor of the controversial Republican bill (S-2155). This is her email reply and I hope I have not violated any federal regulation in providing it here. 
Dear Gary,

Thank you for contacting me about the Economic Growth, Regulatory Relief, and Consumer Protection Act (S. 2155) before the Senate. I understand your concerns and share your commitment to keeping strong banking protections in place for consumers, families, and small businesses.
The most important point about this bill is that it does not weaken the regulations and oversight of the Wall Street banks that caused the financial crisis. We cannot forget what our country experienced in the financial crisis, and nowhere else in the country was the impact felt more gravely than in Michigan. For that reason, I understand the strong emotions around any changes to Dodd-Frank, the major Wall Street reform law passed in 2010.
I am a staunch supporter of Dodd-Frank, and through my leadership on the Senate Agriculture Committee, which has jurisdiction over the Commodity Futures Trading Commission, I have been the leader in stopping efforts to change any consumer protections that regulate derivatives and swaps a cornerstone of the Wall Street reform law.
While it's critical that we maintain the strong consumer protections in Dodd-Frank, it's equally important that we fix the unintended consequences of this law that threaten to undermine strong community-based banks and member-driven credit unions. Our credit unions and community banks are vital to communities, small businesses, and families. I am deeply concerned that these community-based institutions are starting to disappear from cities and small towns across Michigan as they are eaten up by bigger banks.
That is why I support this legislation. The bill will cut red tape that prevents our credit unions and community banks from helping more families buy a home or start a business. At the same time, it keeps the regulatory focus on the biggest banks that were at the heart of the financial crisis and frees up regulators to more vigorously enforce our laws against bad actors.
I understand that some of my colleagues do not support any changes to the current law. I do not believe that makes sense for Michigan.
Thank you for taking the time to share your views with me. Your input is important. Please continue to keep me informed about issues of concern to you or your family.

Debbie Stabenow
United States Senator

I Will Keep One Eye On How The Final Vote

On November 16, 2017 Senator Mike Crapo [R-ID] Introduced Senate Bill S-2155 to move to a

floor vote the legislation he sponsors that will roll back the protection afforded by the Dodd-
Frank bill and weaken the Consumer Protection Bureau as well.  This vote could occur at any
time. As you are well aware with the latest Tax Bill, Majority Leader Senator Mitch McConnell
(R-KY) with his skillful propensity for timing will undoubtedly move for a “roll call vote” at the
next major news blunders of President Donald Trump. Therefore, it is imperative that
Progressives act now to defeat this piece of “Crappo” legislation.

Once again, the Republicans name or label this legislation as if it is for the benefit of our
disappearing Middle Class with a misleading title that sounds good at face value. Republicans
make the “Economic Growth, Regulatory Relief and Consumer Protection Act appear as though
it is an Emancipation Proclamation for the ninety-eight (98%) of Americans who pay the taxes,
pick up tab for big bank bailouts while at the same time suffer high interest and predatory

Our economy is based upon favoring large financial institutions while enslaving everyone
but the wealthiest to stagnant wages and mounting debt. And I do not mean to say it is just the
national debt but the one you feel everyday (personal debt).

The Internet web site urges citizens to contact the seventeen (17) Senate Democrats who voted
for “cloture” or approval to bring the bill to a floor vote. In Michigan, both Democrat Senators
somehow caved to big interests and voted “Yea”. You can visit the following website for the
official record of the vote and look for the culprit in your State.

The Daily Kos urges readers to call their Democrat Senator if they are among the seventeen who 
sided with Republicans. There is also a petition expressing your individual disdain by your signature.
Aside from these actions I penned the following that may also serve as an “Open Letter” to all 17 of the Democrats who erred on the side of Big Bank Interests and the Republicans who benefit from their cash contributions. Here are my written thoughts to both Michigan members of that body.

What is of particular interest is that in order for the measure to pass a 3/5 fifths majority is necessary. Interestingly without the 17 Democrats voting in favor (the single abstention is Senator John McCain (R-AZ), the tally would have been defeated 50 to 49; this damaging banking legislation would not have seen the light of day.

Open Letter to: 
Dear Senator Debbie Stabenow
Dear Senator Gary Peters

“I am writing in opposition to the "Economic Growth, Regulatory Relief, and Consumer Protection Act" and any legislation what would rollback oversight of the banking industry or eliminate consumer protections. We're still recovering from the 2008 collapse caused by reckless banks. Now is not the time to undo the safeguards put in place to prevent another crisis. Please reject any attempts to weaken Dodd-Frank.”[1]

As a citizen, voter and resident of Michigan I am shocked and embarrassed that as one of our two Senators, you voted for a Republican sponsored bill to come to the floor. Senators Stabenow and Peters, you know damn well the impact of the 2008 bank failures that ruined many lives here in Michigan and the nation.

Check with the State of Michigan's Attorney General web site and you will find that most consumer complaints are now handled by Consumer Protection Agency. This leaves Michigan with zero options for consumers of cable and Internet services that have legitimate complaints against COMCAST who hold a stranglehold with their monopoly throughout much of our Michigan! They are free to charge outrageous amounts, erratic service without State oversight.

Recently, these same "too big to fail banks" are returning to the predatory and unqualified loans for automobiles, personal and equity contracts. They are again "bundling" these loans as "high risk investment vehicles" to sell to unsuspecting investors.

The American taxpayer can ill afford another bailout due to unmitigated greed of Wall Street financial institutions as we endured in the last days of George Bush as President.

The American taxpayer can no longer be expected to pay for "Failure" of investment firms who skirted regulations and none of which were indicted, charged and convicted for the foreclosures and financial ruin of the ordinary families of Michigan.

I fail to see the logic in destroying Dodd-Frank and “consumer protection," a battle waged for decades even prior to Senator Elizabeth Warren's arrival in Washington.

I know of many as well as myself that are victims of that unforgivable 2008 Crash. Michigan residents faced a monumental struggle to stave off foreclosure to some of the biggest banks. Other home owners found themselves "underwater" with mortgages that far exceeded the value of their home. They too lost their homes.

On behalf of many here in Michigan who are not aware of your vote I demand you withdraw any future support of Senate Bill -2155.[2] 

It is inconceivable and an embarrassment to me personally that our two Senators I admire are in support of legislation that will without doubt cause more Wall Street failures and bailouts.
The Daily Kos urges you to call as soon as possible as the bill has with the vote of our Michigan Senators been approved for an introduction on the floor where it has been demonstrated time again Republican Majority Leader will forego debate and discourage any amendment suggested by Democrats. This will lead to a travesty of Justice to Our Democracy.

Call Senator Gary C. Peters at (202) 224-6221 and Senator Debbie Stabenow at (202) 224-4822 now! Tell them you oppose any weakening of Wall Street regulations.

If you decide to write in addition to calling our Senators, the addresses are below. The delivery of actual paper letters can have a powerful impact.

Hon. Senator Debbie Stabenow                                          202.224.4822
731 Hart Senate Office Bldg.
Washington D.C. 20510-2204

Hon. Senator Gary Peters
724 Hart Senate Office Bldg.
Washington D.C. 20510-2204                                               202.224.6221


From the Senate Record
Question: On the Cloture Motion (Motion to Invoke Cloture on the Motion to Proceed to S. 2155)

Vote Number: 48 Vote Date: March 6, 2018, 11:02 AM

Required For Majority: 3/5

Vote Result: Cloture Motion Agreed to

Measure NumberS. 2155 (Economic Growth, Regulatory Relief, and Consumer Protection Act)

Measure Title: A bill to promote economic growth, provide tailored regulatory relief, and enhance consumer protections, and for other purposes.

Vote Counts:  Yeas 67 Nays 32 Not Voting 1

[1] Opening paragraph in the email by Monique Teal of Daily Kos via

 Should you like to see and read the text of this 145 page piece of legislation go to the link above.

Saturday, January 13, 2018



Oprah, one voice of universal courage

The WORLD is outraged by these the latest repugnant words of our President. The callous racist remarks will prove unequaled in American History. All fifty-three nations of Africa demand retraction or formal apology. Haiti, Mexico joins the growing list of even our loyal allies in Europe and around the world.  

What could be worse?

Speaker Ryan cowers in his reaction the words are “unfortunate, unhelpful.” Speaker Paul Ryan, the most powerful Republican leader in the House fails to reject the President’s remarks or condemn as un-Republican. When he states the remarks as “unhelpful” he speaks to own truth. Ryan is a “weasel” as one pundit described his lack of a “spine.”

The Republicans by their silence, gives credence and encouragement to White Supremacists as well as placing our troops operating within African nations they depend for personal security. Time will prove if they suffer a fate of their brothers in Nigeria. The President and those Republicans that “fall in line” in cowardice will face the wrath of this nation and voters outside the beguiled 32% who comprise the party base.

Had it not been for the courage of Senator Durbin (D-IL) and his account of Senator Lindsey Graham (R-SC) taking a face-to-face rebuke to the President in the closed meeting, we would not possess what we knew of this man.

Two Senators present categorically deny they “do not recall” the vile words of the President while the remaining contingency of Republicans only displayed their cowardice by silence.

The stark reality of these times in Washington is that it replicates the political climate of Germany in the 1930’s when a small minority of hate-filled racist Nazi Party bullied their rise to lead. 

“Why do we need more Haitians?” Trump said, according to people familiar with the meeting. “Take them out.”  The Neo-Nazi and Alt-Right groups will only garner strength and increase the hate. Examine these words and substitute for Haitian… Jews, Muslims, Asians, Mexicans, Latin Americans, academia, gays, and the free press.

Let those Americans who condemn this President’s continued racism reflect, hope and pray that “We the People” stand as one in a bipartisan response.

Let us pray the Democratic Party stand in unison, but with a tempered response demanding an apology and calling for a censure by Congress.

Finally, let all of the human community hope and pray that another global platform arise for Oprah to articulate an appropriate and eloquent universal response as rebuttal.

Saturday, November 11, 2017


Thus, November 11TH is celebrated throughout Europe and other countries as "Armistice" or "Remembrance Day" to mark the anniversary of the end of major hostilities of the First World War. 

The 11th Artillery - Vietnam War - Gregory Grzymkowski's Unit

As this date was approaching I felt confident I knew the reason to remember and define the significance of this date as the end of The War To End All Wars. I felt equally confident that in those countries devastated by wayward and designed bombs and who lost homes and millions of lives both soldier and civilian, would never forget the grim reality, the horror of war and solemnity of a date: 11/11.  

After all, it marked some of the firsts in man's ceaseless desire to develop the most hideous ways to kill another. If those Brits and French in the trenches were not mowed down by the first automatic weapon in the machine gun, then rudimentary tanks were rolling over bodies the artillery may have missed and then there is the matter of "mustard gas."  It is today's equivalent of "nerve gas" employed by Syria's Assad and his Russian backers (and ally in Vladimir Putin). 

However, I began to wonder if Americans really know why November 11th is a Federal Holiday on the calendar and why so many government employees have a paid day off each year? 

So, I went to the source: Google, first to define Armistice and then Veterans DayI was shocked and mortified as to the results produced in tenths of a second. 

Which banks are open on Veteran's Day?

Which restaurants offer free meals to veterans? 

Results include: The Olive Garden and Krispy Kreme.

Which stores offer the largest discount for Veterans Day sales?

In my search for facts I found that in 1954, Armistice Day was formally changed to Veterans Day in the United States of America. Naturally, I thought why the change? 

And then I came across it in the ceasefire and demilitarized zone as part of the "armistice" that ended the Korean Conflict on 27 July, 1953. To all parties, North and South Korea and the United States and China, this was like hitting a pause button in Mortal Kombat. The formal armistice was simply a ceasefire in hostilities and not meant to be a permanent solution or peace. 

I looked no further. I know that somewhere among the brass in the Pentagon as well as some of the ass on Capitol Hill this label did not sit well as they would not stomach the Korean War to be connected to or, referred when the 11th hour, of the 11th day of the 11th month came around. They must have noted the knot in their stomach that first November, 1953 and acted quickly to replace armistice with veteran. As far as North Korea, then and now pause in the fighting and physical conflict" as defined in the use of armistice. This was not to be seen in our history as on par with the end of World War I.

Thus, the U.S. has maintained troops to defend the South all of these years. Now most Americans know this due to tweets about the Rocket Man and other posts they read on social media. Some even realize the real threat of a nuclear war due to circumstances within our government particularly those occupying The White House.

This day is to remember, pay respect and honor all those who protect and serve, especially those who made the ultimate sacrifice in giving their lives.

First, I can tell you what I found to read among my email this morning. This is not the day for any of the following as advertised by major retail chains.

"Beat the chill with Veterans Day doorbusters" or,

"We salute our veterans with 30% off Calvin Klein underwear."

However, the worst outrage is that on this date Breitbart News email delivered on behalf of their candidate a subject matter that includes the following: 

"We are in a spiritual battle ...with those who want to silence our message. 

The forces of evil will lie, cheat, steal — even inflict physical harm — if they believe it will silence and shut up Christian conservatives like you and me.

Their goal is to frustrate and slow down our campaign’s progress to help the Obama-Clinton Machine silence our conservative message.

I won't get into the details of their filthy and sleazy attacks. I refuse to repeat their lies.

That's why I must count on the help of God fearing conservatives like you to stand with me at this critical moment. 

I believe you and I have a duty to stand up and fight back the forces of evil waging an all-out war on our conservative values."

It goes on and attempts to exploit so-called Christian values and makes a plea.

"Will you stand and fight with me by chipping in a donation to my campaign's Victory Fund?" 


Judge Roy Moore

So, why should we  commemorate today what took place in 1918 in a railroad carriage in France? We stand to fight:

To stop those who perpetrate crimes against children (or for that matter any of the vulnerable) using Southern charm, failure to recall and holy scripture as their defense. 

To end bigotry, violence and genocide against all people, not a chosen few. 

As we all know, four U.S. military lost their lives in Niger a few weeks back. And I believe if we were to ask those four young soldiers who were serving in Niger, in a country not even the President could explain, why they signed on for such duty? 

Or, if we were to ask Myeisha Johnson, the spouse of La David who was found two days later with his skull crushed and stripped to his underwear, as to why he so bravely served his country? 

And what of all 58,000 Vietnam veterans now dead, let us pose the question:

Did you serve and die to protect the freedoms of a man such as Alabama Judge Roy Moore to take improper and immoral advantage of teenage girls? 

The Answer is a Resounding NO!

As of 2:00PM November 11, Roy Moore maintains "all of this is fake news."

NEXT: I will attempt to bring you examples of those who honorably serve and deserve our thanks and remembrance. 


Monday, September 25, 2017

TAX REFORM 101: 1040EZ REVISION for those CAMPAIGN DONATIONS "Averaging $27.00" - Bernie Sanders


As we all are aware, the 2016 Presidential Campaign set new records for the rank and file, lunch bucket blue-collar and millennial voters to make affordable, reasonable donations to support the candidates and causes to which they hold dear. These are clearly tax-deductible contributions for those who do not qualify to itemize deductions cannot benefit like the big boys. The 1040-EZ form requires Congressional revision to allow legitimate political campaign donations and emergency disaster relief for the majority of taxpayers. 

The major revisions below are in lines 9a, 9b, 9c & 9d with line 10 as a dollar amount to be deducted directly from the total Tax owing as a credit. This is the White House Tax Reform Week, therefore in that spirit, a revision to the 1040EZ.

(Note: This is a facsimile of the IRS document not meant for use. This replica looks much better in its' origin)

Department of the Treasury
Income Tax Return for Single and
Joint Filers With No Dependents   (99)

     OMB No. 545-0074
Your first name and initial
   Last name

Your social security number

If a joint return, spouse’s first name and initial
   Last name

Spouse’s social security number

Home address (number and street). If you have a P.O. box, see instructions.              Apt. no.
Make sure the SSN(s) above are correct
City, town or post office, state, and ZIP code. If you have a foreign address, also complete spaces below (see instructions
Presidential Election
Campaign C 
  You               Spouse

Foreign country name
Foreign province/state/county
Foreign postal code

Wages, salaries, and tips. This should be shown in box 1 of your Form(s) W-2. Attach your Form(s) W-2.

Attach Form(s) W-2
Taxable interest. If the total is over $1,500, you cannot use Form 1040EZ.

Unemployment compensation and Alaska Permanent Fund dividends (see instructions).

Add lines 1, 2, and 3. This is your adjusted gross income.

Enclose, but do not attach, any payment

If someone can claim you (or your spouse if a joint return) as a dependent, check the applicable box(es) below and enter the amount from the worksheet on back.
        You                   Spouse
If no one can claim you (or your spouse if a joint return), enter $10,350 if single; $20,700 if married filing jointly. See back for explanation.

Subtract line 5 from line 4. If line 5 is larger than line 4, enter -0-. This is your taxable income.                                                       


Federal income tax withheld from Form(s) W-2 and 1099.



 Earned income credit (EIC) (see instructions)


and Tax
Nontaxable combat pay election


Small Political Campaign Donations made online to Political Candidate(s)


Small Donations made to Internet Tax Deductible Organization(s) & Publication(s)


Cash & Other Donations to Red Cross or other relief organizations in Declared National Emergency


Add lines 8b, 9a- 9c Enter >


Add lines 7,8a and 9c. These are your total payments and credits applied to total Tax.

Tax. Use the amount on line 6 above to find your tax in the tax table in the instructions. Then, enter the tax from the table on this line.

Subtract Amount on Line 10 from Line 11.

Health care: individual responsibility (see instructions)
Full-year coverage

Add lines 12 and 13. This is your total tax


(Note: Since tax forms are available online, there is NO reason that entries can be computed automatically eliminating purchase of software for many who file their own taxes. Simple computation errors would also be eliminated.)


If America is to continue to invigorate a grassroots movement to reform the political campaign donation process where the wealthiest of the wealthy essentially buy elections, revisions to the tax code are the first target. This is one small first step to truly make campaign donations inclusive for all Americans. Line (9a) provides for those (i.e.) $27.00 campaign contributions.

The above revision in (9b) addresses the need to support the legitimate online watch dog groups and publications* out of the mainstream media dominated by corporations that only have their interest in mind, not yours. 

Equally important during the catastrophic devastation of hurricanes Harvey, Irma and Maria, small, large or in-between charitable donations in line (9c) to the Red Cross or other non-profits will be recognized as a direct credit that will serve to increase donations. These dollars are critical to volunteer groups that offer first and long-term relief. 

My goal is to reach as many mainstream Americans no matter their political leaning to give every individual some economic influence in elections other than their vote (which may be influenced by Super Pacs and the Koch brothers and their trusts).   

The majority of American tax filers fall in a large demographic group comprised of Single Individual taxpayers with no dependents and earn less than $20,700.00. 

In their infinite wisdom, IRS bureaucrats designed the tax forms to make it "easy" for this large group to complete their own returns quickly and without much stress.
Thus over a course of years, this single page form (once a half-page) with perhaps 15 relative line entries, is now complimented with a 46 page Instruction Booklet. This is no typo. The instructions to complete the standard 1040 is 106 pages. The standard 1040 and all of the loopholes and line entries that "adjust" taxable income also require a complete overhaul. This requires serious Congressional study.


If you agree, PLEASE pass along, attach to email a copy of this blog to your Congressional Representative and your State Legislators as well. 


Here are a partial list of "grass root" organizations and regular publications that deserve our support as they reflect our own First Amendment rights. 

Act Blue
Bernie Sanders Movement
Buzz Feed
Common Dreams
Daily Beast
Daily Kos
Nation of Change

Please Note: My list does not include the KKK, neo-Nazi,NAZI or White Supremacists.