JoyceAmericaSpeaks Periscope @11am Tuesday: ” We the People” are the Power! Recognize it! Use it! 

Dear followers, ask yourself these questions and determine for yourself what is right and just.

Are the poor less entitled then our children and our families? Does it have to be, either or?   Why not both?  Use our tax dollars to feed and provide Healthcare and a social safety net to the less fortunate and take care of our children and families, too. 

Next, you might wonder how do we provide for the poor and those who were once comfortably Middle Class? We raise revenue 5 different ways. Just re-look at my Revenue Generators, enclosed. Then we  readjust the taxes stated and collected on Corporations (28% , no loopholes) and  tax Individuals making $1 Million and up!

Why should we Tax the wealthy you may ask? Because the wealthy are becoming indolent while they make fortunes for doing nothing. Look at the  CEO salaries posted on Twitter @ grandmajsilver.   CEO’s  are lavished with huge  compensation  packages whether or not their company’s share price rises or whether they have improved their corporation.   I urge you to read, Gretchen Morgenson, Fair Game’s column @ The NY Times.  She cites several examples.


  •  Why should  CEO’s grow their businesses?   They are well compensated for being the CEO! Therefore, Corporations keep their cash and reward their shareholders and themselves at the expense of everyone else in our Global society.   

We see evidence of absolute greed in everything we do. There is no customer service for “we the People”, systems crash because IT project managers have been cut from businesses in order to increase profits. The end result, we have created a society of needy self centered individuals clamoring for more money , creating nothing and destroying the lives of ” we the People” who use and rely on their products .   As an example, think of British Airlines,  this weekend.   They cut their IT depts.   and sent their business off shore to India.  Management said they were on top of the problem, really, when passengers were stranded for two days, languishing in airports with a meal voucher?


When I was delayed in Savannah, I was candidly informed, delays happen all the time, the Controllers and the Delta schedulers don’t communicate.   Delta is routinely  not equipped to handle scheduling changes ?  Why not we should be asking? Airlines never made so much profit;  They’re making 40% profit.  These profits were  not attainable years ago.   When  Buffett purchased an airline and called it an embarrassing moment in BRK history,   he meant it.  He called his purchase, “the indefensible”.


Times have changed. The airlines haven’t improved, they’ve just gotten greedier. Pretty soon as they continue to accommodate more passengers with smaller interiors they might clip their wings and be unable to fly!


But I digress! You get the idea?
The very wealthy CEO ‘s are holding back progress by taking all the money out of their corporations  and keeping it for themselves.  They are preventing the rest of us from creating because we lack enough funds to be creative and to live at the same time. This is the dilemma of wealth inequality. The wealthy socialize and purchase high ticket items while the rest of us subsist. 

Where is it written in the great religions of our World that we should look away from those in need? It isn’t. I know full well that life isn’t fair. No one guarantees you a helping hand , however , “we the People ” have every reason to hope for a Social safety net and a job. Life was better for the Middle Class before the Reagan Tax Cuts.

I remember life before the Fiscal Crisis of “08. I remember those wonderful workdays when we experienced fairness in the workplace and had an opportunity to make a living wage . A healthy thriving Middle Class is a sign that our Country is thriving and productive.

When the wealthy are taxed, they may make less and they’re forced to be creative to earn more money, just like “we the People”.  


Everyone benefits when society is balanced and equal. When more money circulates through our Economy , the creative flourish, society produces more and those dreams we dared to dream become reality. That’s the Society I want to live in.

What about you dear follower, what society do you envision for yourself and your families?   A self interested Society, rewarding a few or one that is all inclusive , giving everyone an equal opportunity to succeed ! I choose the latter.

I remember Mrs B, the owner of the Berkshire Furniture Mart, I met her when she was in her 90’s before the fiscal crash, driving around the warehouse on her scooter in a Chanel suit , she stopped to talk to me and explained that she was disgusted with her 4 children. She called them the dilettantes, spoiled kids who knew nothing about the worth of money. She was unhappy, exclaiming, they had too much and forgot the value of hard work. We talked for 15 min. It may be recorded somewhere, I don’t know.   I do know that her saga is not unusual. Many of us have given too much to our family and perhaps that experience has jaded your outlook on the poor and misfortunate?

In this age of record Corporate share prices, who is thinking of their employees and Americans ? Will they willingly share their wealth? No! Taxation is the only way I know to make people work harder. Then, If they want to give personally of their time and money , that’s commendable.  

In this age of Inequality there is no way forward for Millions without taxing those with so much. The Party is over. We will not have true prosperity till we reverse our State of Inequality and stop artificially inflating stock prices and CEO SALARIES.

ANOTHER THOUGHT: Since some of the 10 top earners in the Country are Internet and Social media corporations, they should pay us, “we the People” , for using their platforms and allowing them to steal our profiles for their personal and commercial profit.   Just a thought! This concept is being used in India. Every time someone clicks on a product , they receive cash in their iPhone accounts.

Enough is enough!  ” We the People ” are indeed valuable and deserve to be rewarded, just like the rich. The rich would not have so much, if we didn’t vote for them or buy their products. We are the power behind the wealthy. Choose wisely , we don’t want an either or Society or  “us vs them”.   We want “us” and ” them” to live and prosper according to our chosen destiny! 
See you later at 11 am.
” the heart and pulse of the Middle Class”

Joyce America Speaks Periscope @11am There are big bucks available to “we the People”! Read ! & Demand! 

Countering the narrative. After reading Paul Krugman ‘s and David Brook’s opinion on Friday, I ‘m disheartened that they share each other’s pain. Both are miserable about the State of our union and the Republican Party in particular. Why they opine? There is no leadership ready to take on Trump and his extreme agenda?

The ACA is already hurting individuals because the House bill creates uncertainty in the Insurance business. The Insurance Companies made a profit last year . This year they’re afraid to project future profits because of uncertainties in the subsidies promised which would make premiums affordable for Middle Class folks. This has been confirmed by investigative reporting by The Kaiser Foundation , The Washington Post and The New York Times. Further , since the mandate isn’t enforced , less young people are buying into affordable healthcare ensuring that the pool is less profitable. Whatever happened to paying it forward and feeling good about helping those less fortunate? The ACA will die by neglect, hurting millions in the very States that supported Trump. So where are the leaders to steer this project through to completion or just stay with the existing ACA? Where are the leaders to move our Country forward in spite of the chaos generated by the Trump administration?


How did we get to Party first, re election 1st and labeling dissenters as the opposite Party to be discounted. Where is your sense of responsibility to all people, not those who only agree with your position? Party , before Country as a policy , will implode.


Next, we’ll focus on Foreign Policy , much more palatable to Congressmen then Domestic Policy. The foreign policy trip has been billed as a giant business trip rewarding a few, the President included perhaps? There is big money supporting Donald Trump and his Agenda and it’s forming our foreign policy and our domestic policy as well.


Big business is gutting EPA regulations and creating an environment open to the fossil fuel business, smog, methane gas emissions and other toxins. Back to an abundance of “bad” health days is in our future allowing big fossil fuel businesses to thrive as the polar ice caps melt?
Rather then investing in innovation we are playing ” the same old record of destruction”. Benefiting the few at the expense of the many. Some are even calling the EPA, Devon Industries because Scott Pruitt has a long history of doing business with them. See Sunday’s NY Times expose!
Thankfully, I’ve also read that in spite of Big Money in the Republican extremist movement , young people who would normally identify with Republicans , those 30 and younger , are not buying into the Trump agenda. That’s good news indeed!


Now we need to convert more people to activism and convince the young to run for local office. We should be supporting all decent candidates. The Voice of Joyce will continue to report on issues that concern us dear followers. Remember my chart on Military spending? I knew from bidding experience that the Defense budget was bloated. Bob Woodward of the Washington Post just confirmed the existence of a slush fund and $125 Billion in waste and mis management of the Defense Budget. Confirming 20-25% waste.
No need to suffer when we can sway Congress with our voices and the facts. You have mine , load and clear.
See you at 11 am, let’s chat.
“The heart and pulse of the Middle Class “

The Voice of Joyce: Act now to save ACA Tell Congress to continue Insurance Subsidies. Keep premiums Down! Read on! 

Dear Followers, this newsletter was just released by the Kaiser Family Foundation, the best resource on American Healthcare. Write or call your Congressman today. If you don’t want healthcare premiums to increase, Congress must subsidize the Insurance Companies.  This is necessary to maintain the least expensive premium at this time.  ACT NOW & ADVOCATE FOR YOUR SELF INTEREST!

Federal Government Could See Net Increase of $2.3 Billion in Costs in 2018 if ACA Cost-Sharing Reduction Payments Eliminated
On Average, Premiums for Silver Plans Would Need to Rise 19% to Offset Lack of Funding for Cost-Sharing Reductions, Triggering Tax Credit Increases
Ceasing payments for the Affordable Care Act’s (ACA) cost-sharing reduction program could save $10 billion, but cost an additional $12.3 billion in premium tax credits – an estimated net increase of $2.3 billion, or 23 percent, in federal spending on marketplace subsidies – in 2018, if insurers continue to participate in ACA marketplaces, according to a new analysis from the Kaiser Family Foundation.

The cost-sharing subsidies, established to reduce out-of-pocket costs for ACA marketplace enrollees with lower incomes, are being challenged in a lawsuit from the U.S. House. With the lawsuit temporarily suspended, the Trump Administration and Congress are in a position to determine whether to continue the payments, which go to insurers to reimburse their costs for providing the cost-sharing reductions.
The Foundation’s new analysis examines potential financial implications if the government stops cost-sharing reduction payments to insurers.
Read the Issue Brief

Without the payments, the analysis finds, the average ACA marketplace premium for silver plans would need to rise by 19 percent in 2018 for insurers to offset the lack of funding. Estimated premium changes vary for the 38 states that used in 2016, ranging from 9 percent in North Dakota to 27 percent in Mississippi.
Changes to silver plan premiums in ACA marketplaces would affect how much the government owes to eligible enrollees in tax credits. Meant to reduce monthly insurance costs for people with lower incomes (from 100% to 400% of the poverty level), ACA premium tax credits are tied to the premium for the second-lowest cost silver plan in each geographic area.
According to the analysis, the government would owe an estimated additional $12.3 billion in tax credits in 2018, if cost-sharing reduction payments end and if insurers choose to continue offering plans in ACA marketplaces. The government would save $10 billion from stopping the payments, resulting in a net increase in federal costs of $2.3 billion. Extrapolating to the 10-year budget window (2018-2027) using the Congressional Budget Office’s projections for cost-sharing reduction payments, the net increase in federal costs would be $31 billion.
Filling the need for trusted information on national health issues, the Kaiser Family Foundation is a nonprofit organization based in Menlo Park, California.
Amy Jeter | (650) 854-9400 |

Craig Palosky | (202) 347-5270 | |

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Joyce: America Speaks Periscope @11am Vote Centrist France, Save your Country and ours!




Out of something negative,  Comes something positive 👍✔

Hindsight is 20:20. France has the opportunity to learn from the mistakes of Great Britain and America.  24 hrs after their runoff for the Presidency, France has learned!!!   The major parties are joining together in support of Macron, the Centrist Candidate  Let’s pray that they campaign hard for Macron, form the coalition needed to defeat LePen and move forward to help the French worker and France.

In Great Britain Cameron proposed Brexit, never believing the People would vote to leave the EU. THE BRIT’s , especially the older shop keepers were tired of being squeezed for revenue and were led to believe that an early exit from the EU would free up money for their National Health Care system at least. This myth has been dispelled, the government fell and the cost of unraveling Britain’s ties to the EU  will take at least 2 years.  Meanwhile, the bill to the EU must be paid.   This task, and many others, falls to the newly elected Theresa May.  She has taken the courageous path toward unifying the Country and her Party’s power base as they plan to exit the EU. What happens next, depends upon the youth vote and their involvement.


In America, we are stuck with Trump and his extremist pro business policies and  anti people policies. Our people still need affordable healthcare, good public education, reliable internet and infrastructure jobs. None of these basic needs of life are being addressed by our President or the Congress.

If any  Congressmen and women are working on the People’s behalf , we the People are not informed. I am at the point of begging Congress to tell us how we can help them pass laws that benefit the American people.  Communicate with US, all Americans.   We need help now. Not in August. Too many are succumbing to opiate addiction and suicide. Too many folks are being sacrificed on Trumps alter of ideology. This is not what the majority voted.


Thankfully, Resistance is emerging and the American people are starting to advocate for their own self interest.  As a people, we must keep pressuring our Congressmen and women to do “right” by “we the People”.  Resist, March and Advocate.  Postcards are available to continue our protest where it counts.  Send a note to your Congress person, these cards make it easy to voice your concerns and choices for change.

That’s why I warn both GB and France. Learn from our mistakes. Move center and preserve your cherished Freedoms and Democracy.  The American Public is also awakening!  This gives me “hope” for a better future for all of us.


“let’s chat at 11am.

“the heart and pulse of the Middle Class”

Joyce America Speaks: Periscope @11am Do we want a Government run amok?



Why has our life become confrontational?  Conflict can lead to Solutions, so do “good” policy decisions.    A thoughtful way, that requires no conflict,  merely a clearly stated set of goals.

Do we want war or Peace? If we want Peace , why not acknowledge our adversaries and determine where we can achieve Common Ground. War should be a last resort. Targeted missions make the most sense along with Nation Building.

Same for Affordable Healthcare Care. We want affordable healthcare. Ideally National Healthcare, if not,  we have to work with Insurance Companies , drug companies, the physicians and hospitals to achieve the best quality of care at the lowest cost. That doesn’t mean the least care at the lowest cost any Moron can achieve that!  “We the people” require a large marketplace , to pay costs forward and more competitive choices to lower costs. The most cost effective healthcare would be expanded Medicare to those 55 yrs and up with phase ins of the rest of the population within 10 yrs.

Why have conflicts over deficit reduction?  An artificial cap serves no purpose. Instead we should be generating revenue and thinking about debt reduction policy.   Debt is a function of revenue. Create revenue and reduce deficits by a finite amount every 2 yrs. to an agreed upon minimum. In times of crisis,  expect deficits to increase temporarily.

I too have fallen into the conflict trap. I’m mad as hell that Obama was denied his Supreme Court choice. Yet, he didn’t act by whim, he waited for Congress. The same should be true for Trump. The ethics office should know about his Conflicts of interest and his waivers. Visitor logs should be transparent. No Lobbyists should be in government period. We are a Nation of laws. Let’s remember to exercise our rights.

Enough is enough. This is a government run amok. Let’s you and me be disruptive in a good way.  See you at 11am and we’ll discus.


“the heart and pulse of the Middle Class”

Joyce America Speaks Periscope @11am moral compass v Harvard Business School MBA’s

David Brooks, the NY Times columnist,  is partly right,  we have lost our moral compass and the Harvard Business School is responsible.  Let me explain.

Years ago when you decided to become a  business  person, your motives were different.   You wanted to make a living, pursue the “art of the deal”, and make profits – decently.  Being a business person was not just about making money.  Though you can’t stay in business without making a profit, business became an extension of your life.   Your ethics, leadership qualities, negotiating skills , compassion and the understanding of your customers combined to make the right formula for success.  No more ! Today’s crop of CEO’s , running Big Business,  only care about their investors and  their own  personal bottom line.

What happened ? The professors of the Harvard Business School consult to the CEO’s they have created, reinforcing each other’s belief in the worship of money above all else.  They have worshipped  this ” false idol ” at the expense of Americans and the rest of humanity.

Gone is the original Harvard premise,   pursue business to sell a product and make a profit , “decently”! 

A new day starts now. We the people were angered by United’s callous disregard of a person’s rights and his dignity.  The Public fought back by divesting of United’s stock that caught management’s attention.  Perhaps now they’ll consider the needs of the flying public, too!  People Power works.  Use the power of the purse to get Management’s attention.


See you at 11am and let’s chat.

“the heart and pulse of the Middle Class”

Joyce America Speaks Periscope 11am Trumped, EO’s & now Syria

Obama or Trump, with a dysfunctional Congress, Trump will circumvent Congress and legislate through White House Executive Orders. In Trump’s administration, the Trump Kitchen Cabinet, composed of the scions of Industry, media and Technology will shape the rules.

For the Bankers and Wall Street that may mean less capital cushions on hand to shield the Banks from another “crisis”. It may mean more risk! Irrational exuberance and high animal spirits! Remember those words! The epithets for the “FISCAL CRISIS of 2008”, we don’t want to see history repeating. The result could be a lot uglier then the Recession of 2008.


Sorry to be a Debby Downer, as one developer stated , but the facts remain. Businessmen are in charge and they have shown a greater concern for their personal bottom lines then ” we the People”.  Job numbers out today; they weren’t good!  98,000 added

We are a “gig” economy because business has the upper hand and they have shown little compassion for the needs of we the people. As the Economist , Angus Dean states, white males are dying at a greater rate then the minorities. Despair, suicide and drugs are crippling them with no readily available jobs in sight.

Adding to our problems is Betsy DeVos. A 16% fee has just been added to the student loan debt problem. There may be no government  guaranteed “work out” of student debt. This could be a cascading problem, since 99% of the loans are guaranteed by parents and their homes.

To a hammer the nail is the problem. To a businessman personal gain defines themselves. It’s time to rethink what we the people need and resist laws being imposed that are against our self interest even if we “like” the man in office controlling our destiny.

We have Power to resist and make our voices heard. My hope is” we the people” will raise our voices high before the next crisis hits.

Sorry to bust anyone’s bubble! The facts speak for themselves. 

See you on Periscope.  I’ll try live Facebook soon as an addition to my Periscope Broadcast.  See you at 11am.


“the heart and pulse of the Middle Class”