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11.21.2018 - Free Financial Newsletter Bookmark

Happy Thanksgiving All
There’s no market commentary today, just some random thoughts, a PSA to Everyone, and some well wishes.
Yes it’s Thanksgiving. It’s my favorite Holiday of the year. Why? The easy answer is that I get to smell a cornucopia of food cooking all day, I get to ignore Wall Street for a day, I get to hang around with people I love.

But the deeper reason I like this day, is simply because we actually have a day devoted to the idea of saying “thanks” and frankly it’s something a lot of us don’t do enough of. I fall into the trap all the time, whining about this and that. Meanwhile I live better than 90% of the people on this ball and I’m not rich.

I have a comfy bed, I have running water and plumbing. I have food in the fridge, I have vehicles, I have TV’s and you name it. So much “stuff” our garage looks like a Salvation Army store. 90% of the people on this planet just “don’t” have stuff. Worse, they lack the good stuff.

Worldwide, 780 million people do not have access to an improved water source. An estimated 2.5 billion people lack access to improved sanitation. If you want something to be thankful for, just having a toilet puts you above 2.5 BILLION people.

To me Thanksgiving is the day where we’re reminded that no matter the troubles you might be going through, there’s people on this globe that would trade for your situation. I think it’s nice that we have a National day to kick back and say “thank you Lord for what you’ve provided to me”

So with that, I wish you all the best. Share it with your family and friends, and yeah, eat too much turkey, and take the second slice of pie. Friday will bring the troubles of the world right back to your door.
Matthew 6:34 sums it up nicely: "So don't worry about tomorrow, for tomorrow will bring its own worries. Today's trouble is enough for today.
Okay now first a Public Service Announcement to all you Floridians AND EVERYONE ELSE:
My mom wanted to do something at the bank. They wanted her ID and she produced her Driver’s license, but it had expired in January. ( Mom’s going to be 90 on New Year’s Eve and doesn’t drive) The bank would not accept it as legal ID because it was expired. They suggested we get her a Florida ID card.

I hopped online to see what they needed paper-work wise to get it. Oh boy, it’s a mess. Original Birth Certificate, Marriage certificate, 3 proofs of residency, etc, etc.

So I called our local tax/MV office and asked the lady “Mom’s almost 90, does she really have to go through all these hoops to get an ID?” The Lady asked this: Do you still have her old license?” I replied, yes.

 She then asked “Does it have a little gold star in the right upper corner?” I went and looked at it and sure enough, it did. I told the lady, yes Ma’am it’s there. She then said “that’s all she needs, bring her and it with you”
But I got curious as to this star thing. I looked at mine, and hmmm, no star. I looked at my wife’s and no star. But when I called my kids, one had one, and one didn’t. What the heck...
Well I did a bit of digging and was ASTOUNDED at what I found. Why on earth this info isn’t being talked about on TV or in the papers, is beyond me. But here’s the deal. Florida was one of the early states that is Federal “Real ID” compliant. However, guess what? Now Every state is compliant.
Real ID is a program launched by the Department of Homeland defense wherein only ID’s that have been verified as “real” by the issuing authorities are going to be able to use it. YOU WILL NOT BE ABLE TO BOARD A DOMESTIC AIRCRAFT IF YOU DON’T HAVE A “REAL” ID.

In other words, the way it stands right now, my wife, myself and my one boy will not be able to board a flight in the US after October 1 of 2020. Read that again. No one in the US that uses their Drivers license as ID will be able to fly after October 1, 2020, IF they don’t have that star. You’ll need something else such as a valid current passport.
Here is the official DHS statement:

All fifty-six states and territories are currently compliant with REAL ID or non-compliant with an extension. Starting October 1, 2020, every state and territory resident will need to present a REAL ID compliant license/ID, or another acceptable form of identification, for accessing Federal facilities, entering nuclear power plants, and boarding commercial aircraft. This is what we call “card-based” enforcement. The card, itself, must be REAL ID compliant unless the resident is using an alternative acceptable document such as a passport
I had NO idea about all this. So we called the authorities again, and asked what do I have to do, I don’t have a star? I have to renew my license Before 10.1.2020 and I will need original ( NO replica) birth certificate, Original social security card or a legal replacement, 3 proofs of residency, etc. For my wife she’s also going to need the original wedding certificate, ( must have a raised seal or it’s no good) etc. If you were ever divorced, you need the divorce papers also.
Please folks, look this up. Maybe it’s just me and I wasn’t paying attention, but I had NO CLUE about this. I’ve subsequently asked 13 people so far and counting, and not a one of them knew about this, and only 4 had a “star”.
This is the link that answers the questions the best: https://www.dhs.gov/real-id-public-faqs

However, one thing I found ironically funny about all this, is under the question “Where don’t I need Real ID?” and there under answer number two was this:
Voting or registering to vote
Isn’t that odd? A right granted to us as citizens of the US, is NOT covered by this intrusive ID act. Oh, maybe they like it when they can’t identify who’s voting??
I bring that up in the wake of the recent voting disaster at the midterms. Who knows how many illegals, dead people, etc, truly voted?? But yet DHS doesn’t need you to be Real ID compliant for you to enjoy this right. Hmmm.
I’ll leave you with this thought: Have you ever and I mean ever heard of a Republican who was behind in a race and lose on election night, then pick up 1000's of new votes in a recount and come from behind to win? Me neither. Funny how that works, eh?
Anyway, if you were aware of this Real ID malarkey and already handled it, good on you! But for the others that had no clue, like me, you’d best get on it. I’m hearing that in the future this will also be needed for such things as cruise ships, cross country trains, etc.
To end this, again, let me wish you the very best tomorrow. It’s a special holiday for me and I hope it is for you too.

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