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1. Obamacare’s Subsidy Trap for the Poor
How do you avoid this trap? If you do not apply for a subsidy, you can easily avoid it altogether.
That is because if you need to buy insurance but are not eligible for a subsidy, you can do so
without going anywhere near Healthcare.gov.3 (For various reasons you should avoid that
website at all costs.)
Most people with even fairly meager incomes will not qualify for subsidies; the subsidy
eligibility is phased out entirely once your household income exceeds 400% of the poverty
level.4 This means that singles with annual income over $45,960, couples with income over
$62,040 and families of four with income over $94,200 (2013 levels) get no subsidy.5
If your household income is over these modest levels, the good news -- no, the hidden great
news -- is that you are not forced to use Healthcare.gov. In fact, you should avoid it at all costs!
Read More: Obamacare’s Subsidy
(http://financialpolicycouncil.org/articledetails.aspx?id=48/Obamacare%E2%80%99s-SubsidyTrap-For-The-Poor )
http://www.financialpolicycouncil.org

2. The Audacity of Failure
I am not talking about the fake strutting of the wannabe peacock with the inflated ego and
everything else embellished. I refer to the quiet confidence of the man (or woman) who has
confronted the toughest adversity one can endure, overcome it and survived to tell the story.
There is truth in the saying, "What doesn't kill you, makes you stronger." The confidence of
knowing one's ability to fight, to withstand pressure, and to win, is a confidence hard to
replicate without being in genuine battle (or danger) and virtually impos sible to bluff.
This is what it means to be "battle-tested." And men and women with this confidence are often
the quietest in the room yet their words, few in number, carry the most impact. You see, those
who have walked the walk, rarely feel the urge to talk the talk.
Read More: Audacity of Failure
(http://financialpolicycouncil.org/articledetails.aspx?id=47/The-Audacity-of-Failure)
http://www.financialpolicycouncil.org

3. Whatever happened to Integrity?
In the first place ... What does integrity really mean?
Without looking in a dictionary, but just going on my own experience . . .
Integrity means a person is honest and honorable, keeps his promises, tells the truth, and can be
counted on to do the right thing, even when it is hard or uncomfortable. Such a person does not betray
friends or let down people.... But it's about more than just telling the truth.
Integrity is about keeping promises and doing what you tell others you're going to do, as well as what
you tell yourself you're going to do.
People with integrity show up and follow through. Their word is good.
Read More: Whatever happened to Integrity?
(http://financialpolicycouncil.org/blogdetails.aspx?id=67/Whatever-happened-to-Integrity)
http://www.financialpolicycouncil.org

4. The Federal Reserve - Destroying the Middle Class
The Federal Reserve was formed to promote sustainable economic growth by: stability of prices
to help preserve the purchasing power of the dollar, moderate long-term interest rates, ensure
high levels of employment, and overall, make sure the U.S. has a sound banking system and
healthy economy.
It is clear that the Fed is not delivering on these objectives today.
Although there have been small signs of improvement since 2008, the U.S. economy is far from
achieving a level of sustainable growth, and is being held back by a number of concerns. The
dollar has been on a downward trajectory for years;
Read More: The Federal Reserve - Destroying the Middle Class
(http://financialpolicycouncil.org/articledetails.aspx?id=39/The-Federal-Reserve---Destroyingthe-Middle-Class-and-Life-as-We-All-Know-It)
http://www.financialpolicycouncil.org

5. The Danger of Too Big To Fail, Too Big To Jail
The discouraging effect this has on entrepreneurs and business owners -- people whose
investments and effort are at risk of total loss -- is obvious.
An unpredictable legal system presents participants in today’s American economy with a tough
choice between two undesirable options: Either step on the playing field and learn what the
laws are, changing on the fly, and assume the risk that yesterday's business practices are
today's crimes,(4)
Or totally withdraw from the playing field, drop out of the economy and cease all economic
activity as the only guaranteed means of avoiding the risk of criminal prosecution.
However, the HSBC slap on the wrist indicates that the legal system is worse than
unpredictable; it may have become irretrievably, predictably rigged against the law-abiding.
Read More: The Danger of Too Big To Fail
(http://financialpolicycouncil.org/articledetails.aspx?id=40/Crime-Does-Pay:-The-Danger-ofToo-Big-To-Fail,-Too-Big-To-Jail-)
http://www.financialpolicycouncil.org
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