There are still states that don’t have a Costco!


State Pension Funds

States that failed to use more than a decade of economic growth to shore up their pension funds will be in particularly poor shape now. And lest you think that doesn’t apply to you, the Democrats are working diligently to wedge bail-outs into every appropriations bill. And when you consider that the Senate Majority Leader (R) is from Kentucky…who knows?

California (PERS) isn’t that bad off. New York is in good shape.

I was surprised when I was seated on the local fire district board in Arizona. PSPRS is not in a very good place. And when you look at how it is structured, it’s no wonder.



Break out another $100K


Seat Belt Laws (by state)


Women don’t get it…





    • I think that you’d need to bleach both sides but under the black is beautiful doctrine, why bleach at all?

  1. Looks like I couldn’t afford a house in any of the Cali metros, nor in Seattle, nor NYC, nor Boston as well as a few others. Oh woe is me.

    • Those annual salary numbers are low I’d do a X2 for the household # required. That is for a house you’d want to live in – in a neighborhood that you’d want to live in – in a school district you’d want to send your child to school in. The school district is a better measure because in urban hells you often have nice homes that were built next to a ghetto.

    • “house”?
      Note well that the graphic says “home” and not “house”. By which I mean that an efficiency condo wedged into the attic of an originally single-family house counts as a “home”.

      That example was not random. My friend was desperate to get all grown up and buy here in the Boston area. She found the following marginally affordable and asked my advice: A single-family house was divided into three units. The “top level” condo is clearly an attic. It has “open floor plan” (because about half of the square footage has ceiling height under 5 feet, the roof being not very steeply pitched) and comes with a single uncovered parking space. In a town with good schools, at the low low cost of $450k. Plus $500/month condo fee. My considered opinion was that she was mad for even considering it.

      • To get into a decent house in a decent neighborhood, in the San Francisco Bay area, in Boston, and in most major coastal metro areas is a seven figure problem. Even the structure that I built at the White Wolf Mine was a seven figure problem without folding in the cost of land. The Wolf appliances and the Sub Z did add to the bottom line but quality materials and labor is very expensive, even beyond civilization. It’s a reality in 2020.

  2. The Colorado PERA unfunded liability has been under water for more than a decade. The galling part is the Teachers Union floated multiple ballot initiatives to prop it up…because they’re more special than the rest of us and deserve our undying support for their really nice retirement, at 55. They also believe they should be paid in full for not working.

    Seatbelts: First round of freedom dissolving mandates, now we have masks. Add to that the cash flow, and you have the perfect formula for incremental oppression. Anything for health and safety.

    My bad for answering the “Harris is not a NB Citizen” (citizen?…yes)…not a good forum to argue the concern, especially when it’s been lawyer-ed to death in whole forests of “opinion papers” to complete obfuscation of the Founders intent beyond British Common Law at the time. The flip side is truth: No other country does this..a baby of visiting parents born in, say, Germany, is not automatically a German citizen. But according to modern legal “experts” (whom I flatly disagree), the entire argument has become moot; except for diplomats, anyone born on our soil is now considered Natural Born – even if by alien parents, therefore all-comers are now eligible to be VP or President. So I’ll shut up about it for fear I start sounding like an old guy harping about the “new math”.

    • The Chinese Plague has really promoted the “money for nothing and chicks for free” philosophy among a lot of teachers. I think that key is that we should defund regular public education (that by many accounts is not working) and promote school choice among charter schools. The money being thrown at the heavily unionized schools, particularly inner city schools, for unacceptable results – is obscene.

      I agree on the anchor baby issue, and President Trump is working to stop it, and look what we have to show for it? And it could be a really long rant on my part as well.

      • Funny how a lot of people support teachers not returning to work…same ones wearing masks while driving in their cars or running in the woods.

        By way of refresh last night I read pages of “expert” BRC opinions…it’s become a black hole without any truth to Founder’s intent or reasoning. Trump’s plan to end it is yet another reason he’s hated by Dem’s, ruins their base.

        • The only counter that the donkeys have is that any attempt to change immigration laws is “racist”. It gets pretty tired, but it’s all that they have.

          Migrant worker programs work. There are a lot of other programs that will work. But illegal immigration doesn’t work, and it also leaves the illegals open to exploitation. The anchor baby situation must END, now and for all time.

  3. Wow, I though all States required seatbelts at this point.

    Concur with Camperfixer, seat belt laws are the worst.


    • Larimer County (CO) requires “masks in public” or you could be fined (or worse, berated by some ninny). No Officer wants this. But seat belt “laws” have become revenue builders, nothing more (stats with or without is about 50/50).

        • Seatbelt laws were sold as safety socialism-very similar to medical socialism-
          if you don’t wear it, you might get hurt and “society would have to bear the cost”. An argument that can be extended to almost everything. A favorite with the climate change zealots.
          Indeed it was the camels nose. I don’t think we have seen the last of this either-they have seen the compliance, and 40 years of “safety above all else” training has corrupted most peoples ability to do a risk-benefit analysis. They are trying to push the gun control wagon out of the crime corral into the safety/medical arena also.

          • I’ve heard all of those arguments. I think that the progs may have shot themselves in the foot on that one with the riots and Dems going out and buying firearms as the police are defunded and crime is encouraged. There will be democrat types who don’t vote for the anti-gun candidate no matter the party.

          • I was berated by a doctor in my youth for not wearing seatbelts. Not because of crash-test-dummy action, but because it helped support my bad back (along with not leaning the seat back ghetto-style.)

            Bad back from stress. There’s a whole stressful 3 days I have no memory of, but came out the other side with a bad back, a burnt-out spot on the back of my head and flat feet. Stress, it’ll kill you, man.

  4. Pension plans will be the doom of most states… I think Cali is off by probably 30% too high. And yes, costs vs. location is ALWAYS the driver. I determined what I could afford within my means, and that drove the location. And I love living in a small town, so I’m happy. The same house I paid $120K for here would have been $650K in NOVA in a ‘not nice’ area…

    • CA isn’t that far off and there are other government pension plans within the state, not part of PERS that are better funded. But given that, it should be at 100%. Actually, Arizona PRPRS is worse off.

      You don’t get much in NOVA in a nice area for less than a million dollars unless you go far out, and away from DC.

  5. Our $375k house, warts and all, would have been an easy million bucks in SoCal. With the fixes and improvements we’ve made, it would now go for $1.2~1.5 million. I still find it incredulous we got well over $500k for our little place in Long Beach. My son and ex live in a “million dollar house” in Torrance, and you could plunk the whole thing in our back yard.

    While I believe you’re thinking is flawed if you refuse to wear a seat belt, I do NOT think it should be required by law. I’ve seen, and been in, too many crashes to not wear one, and I’ve seen fatal crashes that would have been survivable if the occupants had been belted in.

    On a side thought, maybe the Demoncrats want to lose in November so the rioting and destruction can be ramped up.

    • This last “assessment” I thought the new Assessor came directly from California as he decided out place was worth 225% more than previous assessment. Decided this time to protest and actually won the argument (his number was asinine, but wonder how many just accept it as “real value”.

      I always belt-up when on roads (it’s ‘a thing’ from driving a proper sports car moons ago), but never on 2-tracks or ranch roads…need the ability to escape real quick if a cow decides inside the cab is where it wants to be and you’re in the way. Agree it should not be a law.

      • When we received our first tax bill, the wife thought it was too high, so she looked at the recent real estate sales (the “comps”), and disputed the bill with the assessor’s office. They looked at her figures, agreed with her, and lowered our tax accordingly.

        That would have NEVER happened in Kommiefornia, and they probably would have adjusted the bill HIGHER just because we were impudent enough to dispute it.

        • We took the same approach, however the cynical/healthy paranoid part of me does wonder if and when you stick your head above ground-level in such matters they put you on some “list”, then make your life difficult in future transactions.

          • I think that in an honest place you can get honest results.

            I received a bill from the Commiefornia city where I lived for back taxes. They threatened arrest. I went to them, wearing a suit, and said that I wanted to be arrested and that I wanted my day in court.

            (city) “Um, you can just pay.”

            “No, I want to present my side of this unjust assessment to a judge in a court of law.”

            (City) Let’s not be hasty Mr. LL

            The statute of limitations is one year. You are giving me a bill that’s three years old, (you morons). I want to to arrest me so that I can humiliate you in court.

            (City) Ok, we’ll forget all about it.

            And they did.

  6. My father refused to wear seatbelts.
    He survived 4 crashes that he stated would have killed him if he had been belted in. Last one was in his late 70’s, driving a ’91 Turbo Talon. He had fasted for some medical tests, and neglected to eat prior to driving a couple hours to home. Blacked out and coasted through a stop sign, and got broadsided on the driver’s side at 50+mph. His buddy who hauled the wreck to his tow yard said the driver’s position was gone. Dad just squirted up and over into the passenger section from the forces.

    A couple crashes were getting hit in the rear by large trucks, were he saw the hit coming and dove for the passenger floor. These involved truck parts hitting the dashboard area. Don’t recall the fourth hit.

    Dad raced stockcars in the 40’s-50’s, when they raced on dirt track. He started working on vehicles for the Navy in ’44, and worked as a bodyman most of his life. He saw the results of lots of crashes, as he drove towtrucks also. No belts for him.

    • I think seatbelt use is fairly prudent. I don’t think it should be the law for legal adults.

      I drive a lot (somewhere between 1.5 and 2 million miles so far, lifetime) for pleasure, utility and work. I wear seatbelts if I’m driving in dangerous conditions, or am adopting an increased risk profile. I also wear them in modern cars if I think my route is going to expose me to a lot of police observation, or if the car is equipped with a noisemaker to annoy me if I don’t.

      I’ve been in a LOT of crashes over the years, driving and as a passenger (50). A few have even been my fault (5). Certainly a lot more if you count inconsequential bumps in parking lots and such. Had multiple cars (and trucks) totaled out from under me, and likewise the other vehicles.

      In the vast majority of these wrecks I was not wearing a seatbelt; maybe 7 or so I was. In the vast majority of these wrecks I was in an old vehicle (pre-1978) with minimal safety features by modern standards, and often in a dubious condition and state of maintenance. Never been meaningfully hurt. Worst injuries to date a small cut on my finger and a bruise the size of a quarter. No injuries to other passengers in “my” cars either, and only a couple injuries (of the “cashing in” variety) in the other vehicles.

      Crashing a car, especially a modern car, is just not very dangerous. Modern cars are almost ridiculously strong, and they are packed to the gills with safety features. Seatbelts usually improve your chances even further in a modern car, and somewhat in old ones. In airbag cars, seatbelts are often important in many kinds of wrecks to keep the “safety bombs” from killing and/or maiming you – you really don’t want to be up against the steering wheel when one of those goes off.

      Just judging by public figures, if you are in a wreck that’s serious enough to report to Insurance, you have less than one half of one percent chance of death. More than that to get hurt of course, although those figures are fuzzier. Serious injury is still rare though, mostly you are fine or just banged up. I’m at least 10x more likely to die from being fat than I am from not wearing a seatbelt; shall we make that illegal, too?

      Almost all automotive fatalities are among the extremely reckless or the extremely unlucky. The serious wrecks are almost entirely caused by 100mph drunks (and/or lunatics) hitting trees, or t-boning people while running red lights, or crossing into oncoming traffic and hitting someone head-on. Note that I am not damning high speeds here, a competent driver in the right conditions can drive safely at very high speeds on
      public roads.

      Instead of requiring people to wear safety gear while driving, I would much rather we require better training to drive. Situational awareness and paying attention are way more important to safe driving than crash mitigation gear. Understanding the vehicle and it’s capabilities and dynamics are huge, too. Instead, we hand out licenses like candy to kids. We don;t even teach them how to tell where their vehicle is on the road in most cases.

      Rambling diatribe over now.

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