Candidates Making Promises They Can’t Keep

OPINION: Dems give new meaning to the term ‘free for all’

OPINION: Dems give new meaning to the term ‘free for all’
by John Grimaldi, editorial contributor at
the Association of Mature American Citizens
Democratic presidential hopefuls are offering voters freebies galore as the 2020 Presidential Election gets under way. They’re promising free child care, Medicare for All and no-cost college educations. Do they think the electorate is made up of free-loaders who are ready and willing to trade their votes for all manner of giveaways?
One candidate threw his hat into the ring along with a truly cockamamie proposal that takes the cake. Granted, Andrew Yang is among the least known candidates, but when he announced that he was a candidate for the Democratic party’s nomination he did so with great fanfare and a proposal that he is unabashedly willing to pay cash for votes. 
In Yang’s own words: “As president, my first priority will be to implement the Freedom Dividend, a universal basic income (UBI) for every American adult over the age of 18: $1,000 a month, no strings attached, paid for by a new tax on the companies benefiting most from automation.” Check out his Web site.  
Think about it for a second. Yang is promising to use taxpayer money to give Americans, as a whole, some $200 billion a month with “no strings attached.” His largesse is fantastical and would cost an inconceivable $2.4 trillion a year.
It’s unlikely to happen but like Yang’s more high-profile competitors for the Democratic nomination, he is probably hoping that the voters won’t do the math.
Take the schemes being proposed by Bernie Sanders, Elizabeth Warren, Kamala Harris and other progressives seeking the nomination, among them the notion of Medicare for All, as Sanders calls it. Voters would love it if they could get their health expenses paid for. But, nobody gets something for nothing. 
For example, it might appear that you’d be able to see your doctor for free and undergo expensive medical treatments at no cost under Medicare for All. However, several authoritative studies reveal the hefty price tag that comes with free medicine and medical services. 
Justin Haskins, at The Heartland Institute, put it this way in an article posted on the news site: “millions of middle-class earners would be hit particularly hard under ‘Medicare-for-All.’ For example, [income tax] filers earning $50,000 to $75,000 would likely need to pay on average $7,773 to $9,171 more in new taxes. Those families earning $75,000 to $100,000 would pay $12,612 to $14,880 more. Most households with more than $100,000 income would pay close to or more than $20,000 in additional taxes.”
In addition to the cost, the nation would be paying an additional price as the delivery of health care begins to deteriorate. Consider why many Canadians are willing to pay for U.S. doctor visits and treatments rather than take advantage of free care in their own country. It’s simply because they get better treatment south of the border and they don’t have to put up with long delays.
It seems that progressive presidential contenders are staying up nights trying to outdo each other by coming up with new promises of even more free stuff if only voters hire them to run the country.  

“Huddle with Haraz” in BG

Ohio Rep. Ghanbari “Huddle with Haraz” District Office Hours in Bowling Green 

Representative Ghanbari Announces “Huddle with Haraz” District Office Hours in Bowling Green 

COLUMBUS – State Representative Haraz N. Ghanbari (R-Perrysburg) today announced his upcoming “Huddle with Haraz” open office hours. Social media is a useful tool to connect with constituents, business owners and visitors to our communities. Huddle with Haraz is another venue to share your thoughts and concerns on issues here in Wood County.

Representative Ghanbari is scheduled to be at the Wood County District Public Library, located at 251 N Main St, Bowling Green, OH 43402, on Tuesday, August 20th, from 12:00 p.m. to 1:00 p.m. These office hours are open to the public and anyone is welcome to come and discuss issues in the district with Representative Ghanbari.   

What: Huddle with Haraz: Public office hours.

                Where: Wood County District Public Library – 251 N Main St, Bowling Green, OH 43402

                When: August 20, 2019 from 12:00 p.m. – 1:00 p.m.

There are no prescheduled appointments required to meet with Representative Ghanbari during office hours.

Chow Line: FDA warns consumers to stop drinking sodium chlorite products

Although the agency first issued a warning against consuming these products in 2010, the warning was reissued this week….

I just saw a social media post warning against drinking Miracle Mineral Solution. What is it, and why shouldn’t I drink it?

Miracle Mineral Solution is a mixture of distilled water and sodium chlorite. It is sold online as a purported treatment for several diseases and conditions, according to the U. S. Food and Drug Administration.

But, instead of helping consumers, the product has sickened numerous people who’ve ingested it, the FDA said

As a result, the federal agency this week warnedconsumers to stop drinking the product, which is also known by several names including Miracle or Master Mineral Solution, Miracle Mineral Supplement, MMS, Chlorine Dioxide Protocol, and Water Purification Solution, according to the FDA.

“Some distributors are making false—and dangerous—claims that Miracle Mineral Supplement mixed with citric acid is an antimicrobial, antiviral, and antibacterial liquid that is a remedy for autism, cancer, HIV/AIDS, hepatitis, flu, and other conditions,” the FDA said. “But the FDA is not aware of any research showing that these products are safe or effective for treating any illness.”

Although the agency first issued a warning against consuming these products in 2010, the warning was reissued this week after the FDA said it has received reports of consumers who have suffered from severe vomiting, severe diarrhea, life-threatening low blood pressure caused by dehydration, and acute liver failure after drinking these products.

“Drinking any of these chlorine dioxide products can cause nausea, vomiting, diarrhea, and symptoms of severe dehydration,” the FDA warned. “Some product labels claim that vomiting and diarrhea are common after ingesting the product. They even maintain that such reactions are evidence that the product is working. That claim is false.”

Of particular concern for the FDA is that the more concentrated the product is, the more severe the consumer’s reaction can be.

For example, “product directions instruct people to mix the sodium chlorite solution with a citric acid, such as lemon or lime juice, or another acid before drinking. In many instances, the sodium chlorite is sold with a citric acid ‘activator.’ When the acid is added, the mixture becomes chlorine dioxide, a powerful bleaching agent,” the FDA said.

“Sodium chlorite products are dangerous, and you and your family should not use them,” the FDA warned.

Chow Line is a service of the College of Food, Agricultural, and Environmental Sciences and its outreach and research arms, OSU Extension and the Ohio Agricultural Research and Development Center. Send questions to Chow Line, c/o Tracy Turner, 364 W. Lane Ave., Suite B120, Columbus, OH 43201, or


Simple, Family-Friendly Solutions

It’s no secret it can be tough to serve smart choices your kids will actually enjoy again and again….

(Family Features) During the hustle and bustle of a busy school week, juggling after-school activities, homework, dinners and next day lunch prep can be exhausting. Finding ways to simplify evenings while running a more efficient kitchen routine can make life more delicious for parents and children alike.

Consider these ways to make family meals work overtime for you.

Plan for leftovers. One easy way to make the most of your time in the evening is to make dinners that serve dual purpose – choosing recipes that shine when leftovers are reinvented for lunch the next day, like an all-time classic: chicken fingers. Making them at home is not only healthier than typical restaurant offerings, but leftovers can be used in a recipe like this Chicken Tender Smart Pocket, perfect for packing in your child’s lunchbox.

Use kid-friendly, better-for-you ingredients. It’s no secret it can be tough to serve smart choices your kids will actually reach for again and again. Set up a simple toppings bar with a favorite protein, chopped crunchy veggies and simple sauces alongside fun, do-it-yourself foods like stuff-able Toufayan Smart Pockets. Available in Original, 100% Whole Wheat, Everything and Organic Sprouted Whole Wheat varieties, they’re easy to hold, fun to stuff and only 80 calories each.

Focus on family favorites. When you’re busy making a meal the whole family loves, your time spent in the kitchen may not feel so much like a drain on the evening. Throw it back to childhood with these Sloppy Joe Smart Pockets, an easier-to-eat version with the timeless taste of seasoned beef.

Discover more family meal solutions at


Chicken Tender Smart Pocket

Servings: 1

  • 3          breaded chicken tenders
  • 2          tablespoons mayonnaise
  • 1          Toufayan Smart Pocket, any variety
  • 2          pieces curly lettuce, washed and dried
  • 2          thinly sliced tomatoes
  • salt, to taste
  • pepper, to taste
  1. Bake chicken tenders according to package instructions.
  2. Spread mayonnaise evenly on insides of pita bread pocket.
  3. Layer lettuce then tomatoes and place chicken tenders evenly across pita bread pocket. Season with salt and pepper, to taste.
  4. Serve immediately.

Sloppy Joe Smart Pockets

Servings: 4

  • 1          pound ground beef
  • 1/4       cup finely chopped celery
  • 1/4       cup finely chopped onion
  • 1/4       cup finely chopped carrot
  • 1          clove minced garlic
  • 1/2       teaspoon salt
  • 1/8       teaspoon pepper
  • 1/4       cup tomato paste
  • 2          tablespoons brown sugar
  • 2          teaspoons apple cider vinegar
  • 1/2       teaspoon yellow mustard
  • 1          cup water
  • 4          Toufayan Smart Pockets, any variety
  1. In large skillet over medium heat, brown ground beef, celery, onion, carrot, garlic, salt and pepper, breaking up beef until browned and no longer pink, approximately 6-8 minutes.
  2. Add tomato paste, brown sugar, vinegar, mustard and water; mix well.
  3. Bring to boil, reduce to simmer and cook 15-20 minutes until sauce thickens and flavors meld.
  4. Remove from heat; taste and adjust seasonings, if necessary.
  5. Divide evenly among pita bread pockets and serve.


Making the Back-to-School Transition Easy from Kindergarten to College

These useful tips can help make the transition back to the regimented school year easier….

(Family Features) It’s time to get your household organized for another school year and all that comes with it.

Whether your child is headed off to kindergarten or going away to college, these useful tips can help make the transition back to the regimented school year easier and get your busy household organized for the upcoming season.

Photos courtesy of Getty Images


  • Tour the school. It is important to visit the school with your kids so they can get familiar with their new environment.
  • Meet the teacher. Introduce yourself to your child’s teacher and discuss the best ways to communicate with him or her throughout the school year. Some teachers prefer to keep the conversation going through email while others are more casual and utilize phone calls or in-person meetings.

Elementary School

  • Get into a routine. Set your kids’ sleep schedules back to “school time” at least two weeks before the first day.
  • Get your kids involved in sports or other activities they can do after school to keep them active. An option like ‘all Free & Clear Liquid Detergent can help you remove stains while still being gentle on skin.

Middle and High School

  • Have a conversation about technology. In this day and age, it’s nearly impossible to avoid tech. Many students probably have schoolwork that requires use of the internet. It’s important to have a conversation with your children about reducing time spent on their laptops to educational purposes during the week.
  • Keep track of everyone’s schedule. There are plenty of free family calendar applications available for smartphones and other devices that can help you keep up with all members of the family and stay organized.


  • Simplify the laundry routine. When it’s your child’s first time living on his or her own, you’ll want to do everything you can to make things easier. Consider detergent pacs like ‘all Free & Clear Mighty Pacs Laundry Detergent, which fights tough stains while also being dye- and perfume-free, hypoallergenic and gentle on skin.

By implementing some of these simple tips, you and your kids can look and feel your best, setting up a seamless, stress-free transition back to the school year. Find more information at


Teachers’ Top Needs for 2019

We are blessed to have many basic supplies donated for the students in the North Baltimore Schools. Hopefully we can help more………

(Family Features) Great classrooms don’t happen by accident. Teachers across the country work hard to build vibrant, energizing learning environments for their students, which often means everything from microscopes to pipe cleaners, graphic novels to oboes, class pets to field trips and much more. As a result, teachers spend more than $1 billion from their own pockets each year on supplies.

However, parents and community members can lend a hand. Helping to offset teachers’ expenses can take many forms, from working directly with your child’s teacher to identify needs to participating in school-based fundraisers. Another option is sharing your assistance with a program like, which makes it easy for any individual to address the inequity in schools, one classroom at a time.

Over the past 19 years, more than 3.8 million people have donated to classrooms through the program. Last year alone, nearly 145,000 teachers had projects funded on the site and over 255,000 classroom requests were brought to life. These requests reveal some of the key things teachers across America need for success:

Books, Books and More Books

While books may seem “old school,” teachers know that a single book can change a student’s life. Year after year, teachers request books more than any other resource. Many elementary school teachers ask for leveled reading books to meet their students’ individual needs. Others want to diversify their libraries with books that reflect their students’ identities. “The Hate U Give” and “Wonder” are among the most popular books requested this year, and e-readers have become a popular way to expand libraries beyond what the classroom bookshelf can hold.

Flexible Seating and Classroom Furniture

Many teachers credit flexible seating with transforming the classroom learning experience. Rather than rigid desks, students choose from comfy chairs, bouncy balls, bean bags or wobble stools, all designed to let students get those wiggles out so they can better focus on their work.


Because of rapidly evolving technology, 65% of children now entering primary school will hold jobs that don’t currently exist. Resources like laptops and tablets help students learn at their own pace and practice 21st century skills like coding. For example, coding robots and 3D printers are becoming some of the most popular items requested in high schools.

Back to the Basics

Many teachers simply need basic supplies: paper, pencils and tissues top the list. Last year, teachers requested enough pens and pencils to write the complete works of William Shakespeare more than 2,000 times.

Life Essentials

Another popular request is “hygiene closets,” which allow teachers to provide students facing poverty with free toiletries to take home such as deodorant, toothbrushes and toothpaste, as well as laundry supplies and clean undergarments.

An Appreciation for the Arts

There are plenty of extracurricular activities at nearly every school that require care and compassion from the community. Drama teams, for example, require supplies to create music, perform plays and more. Donations often allow students to explore their artistic abilities while learning how to create sets, write their own scenes, use instruments and more while simultaneously building their management and teamwork skills.

Community Service

Not all learning must take place in a classroom. In fact, teachers across the country often take aim at new ways to engage students, such as integrating practical life into the daily curriculum through an outdoor learning environment like a community vegetable garden. By requesting composters, rain barrels, seeds, gardening tools and more, educators can take their classrooms outside to help make the planet healthier while students learn how to be healthier themselves. It also gives students an opportunity to give back to their community by donating food to local families in need.

Most Requested School Supplies

  • Books
  • Technology
  • Basic classroom supplies
  • Flexible seating

Learn more about how you can make a difference for classrooms in need at

For North Baltimore Local Schools contact the Board of Education office at 419-257-3531; NB Middle School/High School at 419-257-3464; Powell Elementary School at 419-257-2124.


A Romantic Rendezvous

Remember “The Love Boat” ??Celebrate love with a Caribbean cruise….

(Family Features) Whether you’re celebrating a milestone anniversary or simply looking for a getaway with your significant other, a seemingly always popular option is a romantic cruise.

Gavin MacLeod (“Captain Stubing”) and Jill Whelan (the Captain’s daughter “Vicki”)

Next year, there is an opportunity to enjoy the luxuries of an ocean-going vacation while joining a potentially record-setting crowd to reaffirm your love with your partner. In February 2020, international premium cruise line Princess Cruises hopes to set a world record, hosting the largest renewal of vows ceremony at sea over Valentine’s Day.

Gavin MacLeod, who portrayed the endearing “Captain Stubing” in “The Love Boat,” and Jill Whelan, his television daughter “Vicki,” will officiate and host the ceremony onboard Regal Princess. Setting sail Feb. 9, 2020, the cruise will begin in Fort Lauderdale, Florida, with ports including Ocho Rios, Jamaica; Grand Cayman; Cozumel, Mexico; and Princess Cays, Bahamas.

“Come aboard with me as we’re searching for couples to renew their vows and set a world record for the largest vow renewal at sea,” MacLeod said. “I’m honored to be officiating this ceremony and can’t think of a better way to commemorate a couple’s love than by reaffirming their commitment to one another onboard the ‘Love Boat’ over Valentine’s Day.”

Contact your travel advisor and find more information at

Princess Cruises

Social Security Matters

Ask Rusty – How Is My Benefit Amount Determined?

Social Security Matters
by AMAC Certified Social Security Advisor Russell Gloor
Association of Mature American Citizens     
Ask Rusty – How Is My Benefit Amount Determined?
Dear Rusty: I am 60 years old. I have worked full time since age 22. I am thinking about working part-time ages 62-65. When I start collecting my social security benefit sometime after age 65, will my monthly amount be based on only the last few years of my working? Can you please explain how my monthly amount will be determined? Signed: Planning My Future
Dear Planning: I admire that you’re thinking ahead to your retirement years and I’m happy to clarify this for you. Your Social Security benefit, when you claim it, will be based upon the highest earning 35 years of your lifetime working career (not only the last few years). To determine your benefit, Social Security will take your entire record of lifetime earnings, adjust each year for inflation, and select the 35 years in which you had the highest earnings. After totaling those years they’ll divide by 420 (the number of months in 35 years) to determine your “average indexed monthly earnings” (AIME). They then break your AIME into several parts (using what’s known as “bend points”) and then take a percentage of each part and add it up to arrive at what’s called your “primary insurance amount” or “PIA.” The “bend point” values change each year, but for 2019 they are $926 and $5583. To compute your benefit, the formula will take 90% of the first $926 of your AIME; 32% of your AIME between $926 and $5583; and 15% of any amount of your AIME over $5583. The product of those three computations are added together to arrive at your PIA. 
Your PIA is the amount you will get at your full retirement age, or your “FRA,” which for you (born in 1959) is 66 years and 10 months. If you claim any earlier than your FRA, your benefit will be reduced – about 29% less if claimed at 62. If you wait beyond your FRA the benefit will be more – 8% more for each year you delay, up to age 70 when maximum is reached. At age 70 your benefit will be about 25% more than it would be at your FRA. But a note of caution: any benefit estimates you have now from Social Security assume you’ll keep earning at your current level until you reach your FRA, so if you work part-time starting at age 62 your benefit amounts will be less than those shown in the current estimates.
Finally, the above applies to your own individual SS retirement benefit from your own lifetime work record. If you are married, and your PIA is less than 50% of your husband’s PIA, then you might also be eligible for a spousal boost from your husband. Or if you are the higher earner, your husband might be eligible for a spousal boost from you when you claim your Social Security benefit.
This article is intended for information purposes only and does not represent legal or financial guidance. It presents the opinions and interpretations of the AMAC Foundation’s staff, trained and accredited by the National Social Security Association (NSSA). NSSA and the AMAC Foundation and its staff are not affiliated with or endorsed by the Social Security Administration or any other governmental entity. To submit a question, visit our website or email us.
The 2 million member Association of Mature American Citizens [AMAC] [] is a vibrant, vital senior advocacy organization that takes its marching orders from its members. We act and speak on their behalf, protecting their interests and offering a practical insight on how to best solve the problems they face today. Live long and make a difference by joining us today at

Ohio stable in farm bankruptcies, while nation is up

Ohio stable in farm bankruptcies, while nation is up

Published on August 15, 2019

COLUMBUS, Ohio—Farm bankruptcies across the nation are up, but Ohio’s rate remains among the lowest in the Midwest, according to a new analysisby researchers at The Ohio State University College of Food, Agricultural, and Environmental Sciences (CFAES).

Ohio had nine new farm bankruptcy filings from July 1, 2018, to June 30, 2019. That’s compared to 45 in Wisconsin, 39 in Kansas, and 32 in Minnesota—the three states in the nation with the highest number of new filings during that period.

Farm bankruptcies in Ohio have been stable in recent years, with a total of under 10 annually since 2017, said Robert Dinterman, a post-doctoral researcher in agribusiness at CFAES. Dinterman and Ani Katchova, associate professor, analyzed farm bankruptcy trends in the past decade.

Currently, Ohio has 1.2 farm bankruptcies for every 10,000 farms. That’s less than half of the national rate of 2.6 for every 10,000 farms, Dinterman said. The only other Midwest states with a lower farm bankruptcy rate than Ohio’s are Missouri and Kentucky.

“Ohio is particularly resilient and has not seen the massive increase of farm bankruptcies that some states have,” Dinterman said.

In Nebraska and Kansas, land values have been on the decline for the past three years, which has contributed to an increase in farmers filing for bankruptcy, Dinterman said. The value of land is the biggest factor that influences farm bankruptcy filings because a lot of people use their land as an asset against debts.

Ohio farmland owners have fared much better than their counterparts in many Midwest states. In Ohio, land values are up this year, by 1.5% on average, just slightly below the U.S. average of 1.9% .

Wisconsin and Minnesota bankruptcies are high because both states have a concentration of dairy farmers, and those farmers have been struggling from slumps in milk prices, Dinterman said.

Nationwide, farm bankruptcies are up for the third consecutive quarter, he said.

“It’s not cause for alarm, but something to watch,” Dinterman said.

Bankruptcies nationally are expected to rise with the passage of the Family Farmer Relief Act of 2019, which will more than double the debt limits for those who can file for a farm bankruptcy from $4.4 million to $10 million, Dinterman said.

Farmers or family fisherman who file for bankruptcy, pursue Chapter 12 bankruptcy. After filing, individuals have to keep their agricultural businesses open while they work to pay off their debts over a period of three to five years. A certain level of those debts is forgiven.

Some farmers have opted to go out of business without first filing for bankruptcy, so national bankruptcy numbers do not account for those closed down businesses. Also, farmers can file for other forms of bankruptcy, but U.S. courts do not track the profession of those who file so it’s difficult to know the total number of farmers filing for bankruptcy.

At the same time that farm bankruptcies are on the increase nationwide, net farm income is declining. Aside from 2017, net farm income in the nation decreased every year since 2013 and is currently about half of the historical high of 2013, Katchova said.

“Sustained low income is putting strain on farmers—especially farmers with a lot of debt,” she said.

To view the analysis of bankruptcy rates done by Dinterman and Katchova, visit                                        

During this economically challenging time for many farmers, CFAES has compiled a list of resources. Visit

BVHS Weekend Column: HPV Prevention

Through the Gardasil 9 Vaccine……

HPV Prevention Through the Gardasil 9 Vaccine,  by Allison Westcott, MD

 HPV stands for human papillomavirus, the most common sexually transmitted infection. Over 14 million new cases occur in the U.S. yearly, although most people do not know that they have been affected. This infection can lead to genital warts or certain types of cancer, with the most common being cervical. Also included are vulvar, anal, penile, and cancers of the head and neck.

Dr. Allison Westcott, MD

HPV is spread through direct skin-to-skin contact and sexual contact. Most sexually active men and women will contract the HPV virus at some point in their lives. While there is no cure for the HPV virus, there are effective vaccines available for prevention. The symptoms of HPV can be treated through the Gardasil vaccine.

The Gardasil 9 vaccine protects against nine different HPV types. These nine types of HPV cause cancer and warts. In October of 2018, the Gardasil 9 vaccine had been approved by the Food and Drug Administration (FDA) for people of the ages of 9 to 45 years, opening a wider range of opportunity for people to receive the vaccine. There is a three-dose schedule that can be completed within six months. Because of their immune systems, adolescents only need two doses prior to the age of 15. The best practice for receiving the vaccine is to begin routine vaccinations at the ages of 11-12 for both males and females. The HPV vaccine is not recommended during pregnancy, although it does not appear harmful to the fetus. It is recommended during postpartum and is safe for those breastfeeding.

The Gardasil 9 vaccine is 88% effective in preventing persistent HPV infection, genital warts, vulvar/vaginal pre-cancer, cervical pre-cancer and cervical cancer. If an HPV infection is persistent past the age of 30, there is a greater risk of developing cervical cancer. HPV infections that cause most cancers and genital warts have dropped 71% amongst teen girls that have received the vaccine. Prevention is always better than treating after the fact.

High HPV vaccination rates would reduce or even eradicate HPV disease and cancers dramatically. The HPV vaccine is 100% effective preventing HPV, 60% successful in reduction of genital warts, 50% effective in reduction of vulvar/vaginal cancer, and 20% successful in reducing high-risk cervical lesions. However, not being vaccinated against HPV is 0% effective.



Back to School Safety Checklist

We are grateful for the new sidewalks in NB on E. Maple Street, that will help keep our students SAFE as they walk to school….

The National Safety Council has created this checklist to help us in all areas  related to Back to School safety before we send our lovebugs out the door. Whether on foot, by car, or bus, or bike, lets arrive safely!