The Voice of Joyce: Create a life of value

If I were running for office I wouldn’t speak about us vs them. I wouldn’t denigrate my opponent , rather I would state what “I Could offer people”.
If I had traveled the World,  personally I’ve visited 60 Countries, I would take the best from every society and incorporate their methods in this Country.   However, if you have a team and a vision concentrating on changing the American way of life for the better, it can be done by reworking the existing institutions.
As we “Segue” (pronounced “Segway”) from worshiping the dollar, as we must, we should be able to create new profitable entities with the added emphasis on valuing people! So many of us have gone for psychological therapy, yoga, mindfulness training. Why have we gone? Simple,  we want to change our individual lives. We don’t want to be victims, we want better relationships with our families and our friends . We see life as a journey and our journey is made more pleasurable with flexibility and compassion for ourselves and others without judgement and without labels.  It’s a tough road to travel,  and most likely never ends , as we live and evolve as human beings.
This is not an easy journey, but if we all travel together and care about people over greed, we will create a society that’s fair and provides equal opportunity for all of us.
On this campaign trail the candidates rail about crime and punishment.  They point fingers at each other, while obscuring the  real message , their Plans for a Better Society , that “we the People” are desperate to hear about and understand!   It’s time for positive disruption.  I have a vision for America by Americans , for Americans.


  • We can change our institutions, the ground work is there.
  • We can change our prisons, because the ground work is there.
  •  We can change our Fiscal Policies  along with Corporate Taxation by substituting laws that provide monetary stability and address the needs of Main Street !
  • We can truly change our World, if we are open to cooperative ideas!

Our Society, reminds me of one of my projects at Ford.    When I was at Ford Motor Co in 1976, I was tasked with an “old problem”, eliminate ” dirt in paint”.    Not only did I personally tour the paint shops of most of Ford’s North American Plants, I set up conferences every few months, bringing all the Paint Shop Managers together for a “show and tell”.  For the “FIRST TIME”, they came together and  compared their procedures and their problems  and became friends. It was a “win win.”   Everyone learned and passed on their best innovations!  We cleaned up our Paint Shops.  I know, Ford spent $180,000,000 on new facilities based on our requests. Their cars and trucks were “built better by Ford”.


Now let’s think about “we the people” and America.  America has always been #1.  We’ve lost our way for too many years catering to Big Business , the Banks , CEO’s and others with the money to influence our political system.  However, if as individuals, we unite, we the people can prevail .  We can  restore the American Dream and work for the pursuit of life filled with value , purpose & happiness for all of us.


Thank you for reading, dear followers, I welcome your comments and suggestions, for “what it takes to live the good life!    After a long hiatus, I’m back.


“the heart and pulse of the Middle Class”

The Voice of Joyce: The Wealthy aren’t “all knowing”!

Dear followers, I’ve done a lot of thinking and reading during this month and will share some of my conclusions with you.


Just because they’re rich, we all think they know better. The evidence is in, the rich are not so smart . They didn’t anticipate the consequences of ” Globalization”.
It’s not just trade, it’s the goods and services we purchase, when we have no manufacturing base of our own. Millions of workers have been left stranded without resources to purchase anything but necessary items for survival. Did anyone think, what will happen to the livelihoods of those people, their mental health? No! Short term gains clouded the Corporate CEO vision as they accumulated personal wealth while they stripped our Country bare.
The problem isn’t immigration, it isn’t the other, it’s our unfair policies of supporting the wealthy at the expense of everyone else. If we the people understood, we wouldn’t have populist political movements that cause further division between the left and the right, we’d support candidates for public office with a genuine love of the people and a passion for using the rule of law to create equality in Society.  The institutional infrastructure exists, it has to be rebuilt!
This is not a dream! It can be our reality if we all work together to support fair enforceable laws that reverse the Corporate welfare state and inequality.

The Voice of Joyce: The Fed

I used to think The Fed had no more tools in their tool box.  Until they announced a  method to halt a liquidity trap when systemically significant Banks are insolvent.

When the crash of 2008 occurred, Lehman Bros was a weak link. The Vulture Funds, pretty much everyone, drove the Brokerage house into bankruptcy .   This created a cascade effect:

  • a lack of confidence in the overall banking system
  • the monetary collapse of all interconnected Banks
  • massive public bailout of the Banks , Wall Street , Insurance Cos. , etc.  Everyone was bailed out except  Main Street.

This simple rule proposed by the Fed, makes it impossible to short any Bank in  fiscal trouble for 48 hours. There will be time for Systemically vulnerable Banks to separate their Derivative trades and other risky trades from the main bank, creating as Paulson had recommended a “good bank, bad bank scenario”. The Bank’s  would be able to wind down their  operation with out fear of a disorderly disruptive liquidity crisis.


  • I would have ONE request,  before waiting for a crisis , why can’t Treasury implement a 6 basis point tax on Derivatives and millisecond trades, generating $660 Billion in revenue and curtailing insolvency risk?


This rule sounds reasonable and protective of our Monetary System.  Raising interest rates under the false assumption that the Economy is “overheating”and productive, flies in the face of recent evidence that productivity has declined and more people are under employed or still seeking good paying jobs.  As the  Middle Class continues to slip into poverty, I’d like the Fed to explain their reason for raising the Fed rate.  What are the consequences to the Middle Class when they’re Trillions in debt?  What will happen to Mortgage Rates?  The Middle Class has no buffer.  The Middle Class is struggling to save $400.00


This is one policy, I wish, the Fed would reconsider.   Clue us in Janet Yellen, please!  What is the Fed thinking?


“the heart and pulse of the Middle Class”

Joyce:AmericaSpeaks Periscope@11am Have the People spoken?

Dear Followers:

Tune in at 11am and let’s discuss how you feel about:

  • The Candidates
  • The Issues
  • Your concerns

See you on Periscope at 11am.

“the heart and pulse of the Middle Class”


Joyce AmericaSpeaks.US Periscope@11am I’m not anybody’s Lunch


Tune in today @ 11am and let’s chat about taking our seat at “the Table”.

I don’t want to be anyone’s LUNCH, do you?

There is a way forward.

Check in at 11am and let’s talk!



“the heart and pulse of the “Middle Class”