Olivia
Online
★Rick Holmes
@rickh212
Helping families change the direction of their lives… Teach first. Serve when asked.
Davis, CA
Joined December 2012
122 Following
60 Followers
4.9K Posts
Environment is everything. Environment matters. https://t.co/JRtgSeAmAu
Financial literacy matters.
Activist: "Farmers are millionaires sitting on land worth a fortune. They can afford the inheritance tax."
Farmer: "How much did I earn last year?"
Activist: "I don't know. A lot, surely."
Farmer: "Twenty-two thousand. Before the tractor broke."
Activist: "But the land's worth millions."
Farmer: "On paper. I can't eat the field or spend it. The only way to turn it into money is to sell it, and then I'm not a farmer, I'm a bloke who used to have a farm."
Activist: "So sell a corner of it."
Farmer: "A corner doesn't work as a farm. You can't run a suckler herd on the bit that's left after the taxman's had his slice. You sell one field, then the next bill comes, then another field. It ends one way."
Activist: "The land only costs that much because you won't sell it."
Farmer: "It costs that much because a hedge fund three counties over wants it for carbon credits and a footballer wants it for the view. Neither of them has ever calved a cow at three in the morning. They set the price. I get the bill."
Activist: "It's still an asset."
Farmer: "It's a workplace that happens to be expensive. You've decided the value of the shop is the same as the wage of the shopkeeper. Come back in February and watch me not be a millionaire in the rain."
Economic power is relative. Nor is it a zero sum game. Wealth is abundant and flows to those who create value in the marketplace. The greater the value created, the greater the abundance flowing back to the creator.
Socialists imagine a class struggle. In their made-up fantasy the CEO is in competition with low level workers, the wealthy entrepreneur is stealing from the underpaid nurse.
In reality, workers do not compete vertically they compete horizontally.
Entrepreneurs compete with entrepreneurs. Investors outbid each other. CEOs are benchmarked against other CEOs. Nurses are hired from a pool of nurses. Etc.
The CEOs pay has no correlation to the entry level workers. The Football star on £300K a week isn’t linked to the person selling drinks in the stadium. A biotech entrepreneur raising VC capital isn’t paid relative to a cleaner.
What is linked is the demand and supply dynamic of each role.
If a company places an ad for a qualified truck driver and 150 people apply for the role, then the company knows it does not need to increase wages for that role. If the company has an open role for months, it is forced to look at the compensation package.
Same for a CEO. A board representing shareholders would like to hire a CEO for a lot less if they could. Their dream scenario would be to hire a CEO who brings in institutional investors, attracts top executives, drives innovation and growth, keeps margins steady and is a good public face for the business even under pressure. It turns out there aren’t a lot of these people looking for work and if you want one you have to pay more than other companies are offering.
The class struggle isn’t vertical it’s horizontal. CEOs are in competition with CEOs. Retail workers are in competition with retail workers. Demand and supply dynamics set the price.
Sure you can say that a CEO want’s profitability and would like wages to be lower BUT it’s not up to the CEO - demand and supply tension sets the price of workers. An Airline like RyanAir would like free pilots if they could get them but they can’t… so they pay the market rate.
The reason incomes are rising at the top and falling at the bottom is not class warfare. It’s technology and globalisation.
Technology makes basic jobs simple, remote or fully automated. At the same time tech makes executive roles more leveraged, more important and more valuable.
A CEO used to run a smaller organisation. Today a CEO who’s 2% better on a $5B company is generating $100M more. Seems sensible to try and pay a few million to get $100M.
Globalisation has put workers from all over the world in completion with each other - downward pressure on wages. Globalisation has given CEOs more market opportunities to explore - upside opportunity to unlock.
The rich are not very interested in buying houses that poor people own. The poor are not buying up the homes the rich want. They are separate groups living separate lives. Try finding the genuinely rich people whose strategy is to hoard normal residential homes - it barely exists as a thing. About 85% of landlords are people who own 1-4 properties. Super-landlords (100+ properties) are 0.2% of landlords and own a tiny fraction of the 30M homes in the UK… and they’re heavily taxed.
Class warfare isn’t real. It’s an imagined war in the minds of socialists.
Demand and supply dynamics are real. To the degree it is measured in class, it’s a horizontal competition not a vertical one.
Perspective matters.
If you wonder why they want to “defund the police” or “reimagine” the world…it’s because they don’t like The Law. They hate “The Law.”
Prior to 1789, everything in the world was in flux. People stole land from each other at will. War was common. Borders moved.
“Owning” something, meant you took it and then you held it.
Yes, the US expanded West and took land from Natives, but that was no different than Europe. Borders constantly moved. War and Conquest was the way of the world.
But humans yearned for a better way. At some point in history, this had to stop. And the US Declaration and Constitution were the singular documents (Laws) that stopped it.
It’s true that women and blacks did not have equal rights at first. But The Law eventually fixed that. So, yes, not perfect, but striving to be perfect.
Nonetheless, The Law (Constitution) was put into place at an arbitrary time in history. It sought to freeze the theft and the war and give power to individuals rather than nation states.
With “The Law” individuals owned their own inventions, writings and dreams. In other words, individuals could reimagine the world every day. From that point on, everything was fair.
Those who couldn’t reimagine the world, or who wanted to take from other people rather than create things for their fellow citizens, blamed “The Law” for stopping them.
They think “The Law” was instituted at an unfair time. And they blame “The Law” for the fact that they haven’t succeeded.
The current movement to defund the police, is really an attempt to pierce the Constitution. Stop “The Law”. Go back to a time when lawlessness was the way to “own” things.
Unfortunately, this would stop all progress. It would be the Dark Ages all over again.
Anyone can do anything today in the US. You can create your own future. But that takes work and honesty and virtue. So, if you don’t want to do and achieve those things, you blame “The Law” for stopping you.
It’s not hard. But people constantly look for the easy way out. So, they gaslight the unfairness of the time before the Constitution (or even after it) so that they can return to the same world that it stopped.
The people who want to end “The Law” are worse than the people who wrote “The Law.”
If you hate America, watch the news. If you want to love America, take a road trip. https://t.co/mfLWU8pSGD
"Pay no attention to the man behind the curtain"
The funniest part of billionaire tax speeches is that they always come from politicians who helped make housing unaffordable, healthcare unaffordable, energy unaffordable, and college unaffordable.
Then they point at the billionaire and say:
“He did this.”
No, sir.
Your donor class did this.
You just wrote the rules….
"Elon Musk has created massive wealth. It’s wealth, it’s not cash."
Elon Musk has created massive wealth. It’s wealth, it’s not cash. It represents an accumulation of assets that are being used to create goods and services for all. Some want to take this and give it away to be consumed by others. It’s called “eating your seed corn.” A perfect way to guarantee a smaller crop, less growth and lower standards of living for everyone. Socialism creates more equality by making “everyone” poor. Except for the leaders, of course, who will somehow take more from this system.
Wealth creation is not tyranny... Wealth creation is the opposite of tyranny.
This is the framing of a collectivist. The honest framing is the opposite: never in human history has so much wealth been produced and held by so many. The poorest American today commands comforts no king could buy a century ago. That is the achievement Sanders calls a crisis.
And notice the word he smuggles in beside wealth: "power." There is no power over men in a fortune. The men he names cannot tax you, jail you, or force you to do anything. Their only power is to offer you a product and try to persuade you to buy it. You are free to say no.
Real power over other men is the power to compel, and that lives in exactly one place: the government office Sanders has occupied for decades. He is describing the producer's freedom and calling it tyranny, while holding the one weapon that is actual force.
The inequality he hates is not wealth seized but wealth created. He resents that some men make more because they produce more. That is not the issue of our time. It is the oldest envy, walking around in an angry senator's suit.
"I'm from the government and I'm here to help" are nine of the scariest words ever spoken...
In 1913, Congress sold you the income tax as a tiny levy on the rich. The top rate was 7 percent, and it only kicked in on income above $500,000 (roughly $15 million today). The bottom rate? One percent. They promised it would stay that way. They lied, of course, but the lie was elegant: target the millionaires, calm the working man, then expand the definition of "millionaire" until it includes a plumber in Ohio.
By 1918, five years later, the top rate hit 77 percent. Five years. The "temporary" emergency of the First World War gave the state its excuse, and the state never gives an excuse back. Once you accept that Washington owns a percentage of your labor, the only question left is which percentage, and that question gets answered every April by people who have never met you and never will.
Income tax is a claim on your time. When the government takes 24 percent of what you earn, it takes roughly three months of your working year and assigns that labor to itself. You work January through March for the Treasury. Call that what it is. A man forced to work for another man without pay has a word in the dictionary, and it is not "citizen."
Free market thinkers spotted the trick a century ago. Frank Chodorov wrote a whole book on it, "The Income Tax: Root of All Evil," published in 1954, and his argument has aged better than the dollar has. The tax requires you to confess your entire financial life to the state and prove your innocence on demand. No warrant. No suspicion. Just compliance, backed by liens, wage garnishment, and the polite threat of armed men. The IRS now employs more people than the FBI, ATF, and DEA combined.
You were told 1913 was the beginning of a fairer system. It was the beginning of a permanent one. Nothing the government touches stays small, and nothing it calls temporary ever ends.
Makes you wonder what schools are really for...
18 year olds, after 13 years of government education, can’t build a house, can’t work on a car, have no idea how to farm, are economically illiterate, historically illiterate, have no idea how our bodies work, have no clue about healthy nutrition, and are chronically depressed.
Become self educated.
The system wants you to be its slave.
Tell me I’m wrong
Perspective matters. Gratitude matters.
This article was written by a 26 yr old college student by the name of Alyssa Ahlgren, who's in grad school for her MBA. What a GREAT perspecitve..👍🏽
My Generation Is Blind to the Prosperity Around Us!
I'm sitting in a small coffee shop near Nokomis (Florida) trying to think of what to write about. I scroll through my newsfeed on my phone looking at the latest headlines of presidential candidates calling for policies to "fix" the so-called injustices of capitalism. I put my phone down and continue to look around.
I see people talking freely, working on their MacBook's, ordering food they get in an instant, seeing cars go by outside, and it dawned on me. We live in the most privileged time in the most prosperous nation and we've become completely blind to it.
Vehicles, food, technology, freedom to associate with whom we choose.These things are so ingrained in our American way of life we don't give them a second thought.
We are so well off here in the United States that our poverty line begins 31 times above the global average. Thirty One Times!!!
Virtually no one in the United States is considered poor by global standards. Yet, in a time where we can order a product off Amazon with one click and have it at our doorstep the next day, we are unappreciative, unsatisfied, and ungrateful. ??
Our unappreciation is evident as the popularity of socialist policies among my generation continues to grow. Congresswoman Alexandria Ocasio-Cortez recently said to Newsweek talking about the millennial generation, "An entire generation, which is now becoming one of the largest electorates in America, came of age and never saw American prosperity."
Never saw American prosperity! Let that sink in.
When I first read that statement, I thought to myself, that was quite literally the most entitled and factually illiterate thing I've ever heard in my 26 years on this earth. Many young people agree with her, which is entirely misguided.
My generation is being indoctrinated by a mainstream narrative to actually believe we have never seen prosperity. I know this first hand, I went to college, let's just say I didn't have the popular opinion, but I digress.
Why then, with all of the overwhelming evidence around us, evidence that I can even see sitting at a coffee shop, do we not view this as prosperity? We have people who are dying to get into our country.
People around the world destitute and truly impoverished. Yet, we have a young generation convinced they've never seen prosperity, and as a result, we elect some politicians who are dead set on taking steps towards abolishing capitalism.
Why? The answer is this,?? my generation has only seen prosperity. We have no contrast. We didn't live in the great depression, or live through two world wars, the Korean War, The Vietnam War or we didn't see the rise and fall of socialism and communism.
We don't know what it's like to live without the internet, without cars, without smartphones. We don't have a lack of prosperity problem. We have an entitlement problem, an ungratefulness problem, and it's spreading like a plague."
From "only the wealthy will pay" to "taxes, taxes, and more taxes"...
⁉️Did you know⁉️
When the 16th Amendment was ratified in 1913, Americans were told the new federal income tax would primarily affect the wealthy.
The top tax rate was just 7%, and most working Americans paid little or nothing at all.
The argument was simple:
“Let the rich pay.”
But government has a habit of growing.
📈 Under Woodrow Wilson, the top rate jumped to 77% during World War I.
📉 It fell during the 1920s under Harding, Coolidge, and Hoover.
📈 Franklin Roosevelt raised it again, eventually reaching 94% during World War II.
📈 Under Eisenhower, the top rate remained above 90% for much of the 1950s.
📉 John F. Kennedy pushed for significant tax cuts that were enacted after his death.
📉 Ronald Reagan reduced the top rate from 70% to 28%.
📈 George H.W. Bush raised taxes.
📈 Bill Clinton raised them again.
📉 George W. Bush lowered rates.
📈 Barack Obama expanded the federal government’s reach through the Affordable Care Act, adding new taxes, mandates, and regulations that affected individuals, businesses, and healthcare markets.
📉 Donald Trump reduced rates through the Tax Cuts and Jobs Act.
But here’s what most Americans never stop to think about:
In 1913, there was no Social Security tax.
No Medicare tax.
No federal withholding from every paycheck.
No massive federal bureaucracy.
A worker in 1913 kept the overwhelming majority of what he earned.
Today, Americans pay federal income taxes, payroll taxes, state income taxes, property taxes, sales taxes, gas taxes, utility taxes, vehicle taxes, permit fees, and countless hidden taxes embedded in the cost of goods and services.
What started as a tax aimed at a small number of wealthy Americans eventually became a system that reaches into virtually every paycheck in the country.
The lesson isn’t about one party or one president.
It’s about a promise.
The income tax was sold as something that would only affect the wealthy. A century later, nearly every working American is paying into a system that never stops growing.
The most expensive words in government history may have been: “Don’t worry, it will only affect the rich.”
⁉️Did you know⁉️
When the 16th Amendment was ratified in 1913, Americans were told the new federal income tax would primarily affect the wealthy.
The top tax rate was just 7%, and most working Americans paid little or nothing at all.
The argument was simple:
“Let the rich pay.”
But government has a habit of growing.
📈 Under Woodrow Wilson, the top rate jumped to 77% during World War I.
📉 It fell during the 1920s under Harding, Coolidge, and Hoover.
📈 Franklin Roosevelt raised it again, eventually reaching 94% during World War II.
📈 Under Eisenhower, the top rate remained above 90% for much of the 1950s.
📉 John F. Kennedy pushed for significant tax cuts that were enacted after his death.
📉 Ronald Reagan reduced the top rate from 70% to 28%.
📈 George H.W. Bush raised taxes.
📈 Bill Clinton raised them again.
📉 George W. Bush lowered rates.
📈 Barack Obama expanded the federal government’s reach through the Affordable Care Act, adding new taxes, mandates, and regulations that affected individuals, businesses, and healthcare markets.
📉 Donald Trump reduced rates through the Tax Cuts and Jobs Act.
But here’s what most Americans never stop to think about:
In 1913, there was no Social Security tax.
No Medicare tax.
No federal withholding from every paycheck.
No massive federal bureaucracy.
A worker in 1913 kept the overwhelming majority of what he earned.
Today, Americans pay federal income taxes, payroll taxes, state income taxes, property taxes, sales taxes, gas taxes, utility taxes, vehicle taxes, permit fees, and countless hidden taxes embedded in the cost of goods and services.
What started as a tax aimed at a small number of wealthy Americans eventually became a system that reaches into virtually every paycheck in the country.
The lesson isn’t about one party or one president.
It’s about a promise.
The income tax was sold as something that would only affect the wealthy. A century later, nearly every working American is paying into a system that never stops growing.
The most expensive words in government history may have been: “Don’t worry, it will only affect the rich.”
Senator Warren is a piece of work (as are so many Members of Congress)...
This AI just exposed the BIGGEST legal insider trading operation in America.
A platform called GovGreed built a seven-layer machine learning system that cross-references every stock trade disclosed by every sitting politician against the bills their committees control, the campaign donations they receive, and the companies their votes directly impact.
It scored all 540 politicians currently in Congress. And the numbers are crazy:
56% of every stock purchase made by Congress in the last 16 months was on a stock directly affected by a bill the buyer later voted on. That is 6,170 out of 11,016 total purchases.
More than HALF of all congressional stock buys are on companies whose fate that same politician is about to decide.
343 of 540 Congress members actively trade stocks while holding access to nonpublic legislative information.
That is 63.8% of the entire legislature making market bets with an informational edge that would put any hedge fund manager in prison.
The AI identified 752 active "Triple Signals" in the current Congress. A Triple Signal fires when three conditions line up at once:
The politician sits on the committee controlling a bill, they traded stock in a company affected by that bill, AND they received campaign contributions from that same industry.
Bills carrying these insider indicators pass at 5.4 TIMES the normal rate.
Now look at the individual leaderboard:
- Nancy Pelosi's estimated portfolio sits at $194 million with a Greediness score of 98.1 out of 100
- Ro Khanna made 13,231 trades across 800+ different tickers
- Michael McCaul made 32,302 trades and filed 6,670 of them late
- Thomas Suozzi filed 86.4% of his trades late with an average delay of 396 days, meaning his disclosures landed over a YEAR after he made the trade
And then there is Lisa McClain, the fourth-ranking Republican in the House. She has made 1,443 trades in three years, more than 98% of all politicians tracked.
She violated the STOCK Act twice in a single year, disclosing up to $900,000 in trades months after the legal deadline. Her husband bought up to $250,000 in Elon Musk's xAI, which quietly converted into SpaceX equity before last Friday's $2 trillion IPO.
The penalty for all of this? A $200 fine.
The number of Congress members ever prosecuted under the STOCK Act since it passed in 2012? Zero.
And the cruelest part is this:
A bill to ban congressional stock trading was introduced in January 2026. It has bipartisan support. Over 80% of American voters want it passed.
But Congress is sitting on it, because the people who would have to vote yes are the same people making millions from the system staying exactly the way it is.
They write the insider trading laws, they exempt themselves from enforcement, they trade on the information those laws generate, and when they get caught, they pay a fine that is basically nothing.
The AI didn't discover anything Congress was hiding. It just organized what was already public into a pattern so obvious that nobody can pretend it isn't there anymore.
Kindness & compassion matter.
I witnessed something on a flight from Denver to Atlanta last Tuesday that I haven't been able to stop thinking about.
There was a young mom, couldn't have been older than 25, sitting a few rows behind me with a toddler who was completely losing it. Not a "spoiled kid" meltdown. A full-blown, terrified, sensory-overloaded meltdown. The kind where the child can't breathe between screams.
People were turning around. One man, expensive watch, laptop open, muttered something under his breath loud enough for half the plane to hear. A woman near the window yanked her AirPods in and shook her head.
The mom's eyes were glassy. She was bouncing him, whispering to him, completely alone in a tin can at 30,000 feet while strangers quietly judged her.
Then a man stood up from the aisle seat across from me.
He had to be in his late 60s. Wore a flannel shirt, work boots with actual dried mud on them, and a John Deere cap with a bent brim. His hands, I noticed his hands, were the hands of a man who had spent his life fixing things that were actually broken.
He walked back to her without hesitating. No announcement. No fanfare.
"I got eight grandkids, sweetheart. Give him to me. Go drink some water."
She hesitated. He just held out his arms.
She handed him the baby.
He didn't bounce him. Didn't shush him. He just held that boy against his chest and started walking the aisle, talking to him in a low, slow voice about what the wing flaps were doing. About cumulus clouds. About how jet fuel gets made.
The kid was asleep in twelve minutes.
The man with the expensive watch had gone very quiet.
The mom was asleep before the old man even made it back to her row.
So he sat down next to her empty seat. And he just... stayed. Held that sleeping stranger's child for the rest of the flight. Never woke her. Never asked for anything. Just stared out the window and kept that rhythmic, slow pat going on the little boy's back, the muscle memory of a grandfather who has done this a thousand times.
When we landed and she woke up in a panic, he handed her son back like it was nothing.
She tried to thank him. He was already putting on his jacket.
"You're doing a good job, mama. It doesn't look like it right now. But you are."
And he was gone into the crowd before she could say another word.
I don't know that man's name. I don't know where he was going or where he came from. But I have thought about him every single day this week.
Because nobody asked him to get up. No one would have blamed him for staying in his seat. He just saw someone drowning and decided that was enough of a reason.
Be that person. You don't need a reason. You don't need to know them. You just have to decide the moment in front of you is worth showing up for.
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