In Austin and renting? Read this.

Photo of downtown San Antonio from San Antonio Current

The Hypothesis

To begin, I posit two items: 1) If you’re living in Austin and in hi-tech, you’re younger than me, and; 2) you are likely a lot smarter than me… Having established that you are likely younger and smarter than me, let me also establish that as an end result of being older, there’s a good chance I’m wiser than you. And the purpose of this missive is for me to share some of that wisdom with you.

The Situation

If you live in Austin and are renting your home, you are making someone else wealthy and making yourself poorer. In Austin, average rent is $2,245/month. And with a median price for a home in Austin $624K, even if you want to buy, chances are you’ve been priced out of the market. What’s more, every month it is getting worse.

The Alternative

For about the same you are now paying for rent – at your loss and someone else’s gain – you could be building equity in your own home, enjoying significant tax benefits – which effectively lower your monthly payments – and looking out for the long term. Generally speaking, over the long term, housing is among the best, safest and most predictable investments one may make. And this has been true for over 150 years.

Right now, today, for what you’re paying in rent, you could be paying off a 30-year loan on a $415K home. And that number includes the amount towards principal, interest, tax and insurance (PITI.) 

The scenario depicted assumes a 20% down payment and assumptions about tax and insurance. And depending upon the loan you seek, the down payment can be as little as 5%, 3.5% and even 0%.

US veterans are eligible for 0% down loans. And even if you are not a veteran, you may qualify for a 0% down loan from the USDA, yes the Agricultural Department! In addition, The State of Texas has numerous programs for first-time homebuyers and Texas veterans. And I have partners that can help you determine what you qualify for. Allow me to introduce you to them.

But Where?

San Antonio, TX is now among the country’s top 10 moving destinations, ahead of even Austin and Dallas. And, at only about a 90-minute drive to Austin (heck, it can take two hours to drive from San Jose to San Francisco) San Antonio is near enough to commute to the office a couple of days a week, while being far enough away to avoid the high housing costs and rampant homelessness. And New Braunfels, roughly halfway between the two cities, is served by two international airports and is a truly wonderful place to live.

And while the median cost of a home in Austin is $624K, at $305K, the median cost of a home in San Antonio is less than half. The average cost of of a home in San Antonio at $351K is a little more than half that price. What this means is that you can get an equivalent home for roughly half the price.

What’s more, because of its vibrant downtown, pedestrian-friendly streets and concentration of tech and healthcare jobs, San Antonio is now rated as one of the best cities to buy a home. This is even more so for those who either have children or are planning to.

Stop Procrastinating

Because of increasing interest rates and rapidly rising rental and home prices, each month you delay will make it more difficult and more expensive to buy a home. Stop procrastinating! From now on, every time you write your rent check imagine your landlord getting richer and you getting poorer. 

Be in charge of your finances. Be independent. Be an adult. Be a homeowner

Time For Action

Okay, so you’re younger and smarter than me. And now you have my wisdom; it’s time to do something with your smarts and wisdom. Think about the configuration of the ideal home you’d like to have and the minimal home you’d like to have. Think about “must-haves” and “have-to-haves.” Think about the type of neighborhood you’d prefer, urban, suburban, rural and anything in between. Then reach out to me.

We’ll discuss what you’re looking for and, if you’d like, we can then spend a day or two touring neighborhoods and homes to help narrow down what truly suits you. Additionally, I’ll introduce you to loan officers that can help you determine your budget.

After 30+ years in hi-tech I’m semi-retired and doing this because I like doing it. Therefore, there is zero pressure, only coaching and advice. You have absolutely nothing to lose and potentially a lot to gain by us having a conversation.

Help Someone to Help Themself

If you know anyone that might benefit from this essay, please share it. Visit my website: CopaceticTeam.com for a lot of good information about the San Antonio area. NOTE: To get to the “good stuff” you need to register but I promise I won’t SPAM. It is to prevent others from stealing the info I put a lot of time collecting.

Why I Moved to Boerne, TX

Bill@MissionRealtyGroup.com | 408.827.8484

Why I moved to San Antonio

The Decision to Move

After moving to Silicon Valley from Boston 30 years prior, on February 22, 2021, my wife and I decided to sell our house and leave the once-great state of California. Originally, our plan was to leave in 2025 when both sons were through high school. We’d had it with all of the nonsense (crime, tax, living costs, intolerance-masked-as-wokeness, etc.,) but the covid restrictions and the poor experiences our sons had with the schools put us over the top. We signed with a listing agent and began the process.

We spent the next 90 days or so doing some remodeling. The goal was to maximize the price and minimize the time on market. We listed the house on May 6th and accepted an offer, well over listing price, on May 10. While the remodeling was underway, we took a family trip to San Antonio on April 5th to scout out the area and narrow down neighborhoods we’d seriously consider. More on the San Antonio decision later…

Our California house closed on June 11th and as part of the selling agreement we kept occupancy until July 12. On June 9th my wife and I took another trip to San Antonio and made an offer on a house, which was accepted on June 12th in Boerne, TX. Boerne is in Hill Country about 30 minutes north of San Antonio. We closed and moved into our new Boerne home on July 16th, 72 days after listing our old house and 145 days from making the decision to move.

Downtown Boerne, TX

The moment we (accidently) drove through downtown Boerne we fell in love with it. As we finished seeing the very last house we were going to see for the trip, the home we ultimately bought popped up as “just listed.” We were about 40 – 50 miles away. We immediately jumped in our car and drove over. There were already people inside viewing it and several other groups in line to go in. We made an offer they couldn’t refuse and they accepted it the next day.

Why Texas? Why San Antonio? Why Hill Country?

If not for the schools, taxes, high cost of living, lack of freedoms and politics, we would ideally have relocated to California’s central coast near Paso Robles. Ideally we wanted to be in a place that was warm and on the ocean, and was near a relatively large city. This narrowed our choices to North and South Carolina, Florida and Texas. We also considered Tennessee. 

Texas

But after living with earthquakes, wildfires, mudslides, etc., the better half ruled out hurricane-prone areas. This essentially eliminated all but Tennessee and Texas. There was some appeal for Tennessee, but we felt the cultural adjustment (shock?) might be too much. We therefore began our search in Texas in earnest.

We now had to narrow our search even further. Ten years ago Austin would have definitely been in contention. However, its politics are now so similar to the San Francisco Bay area, that it’s become San Francisco’s sister city. We didn’t want to relocate to the same place… 

Dallas was ruled out because its terrain is somewhat featureless. Houston was ruled out for its crime and humidity. We considered Corpus Christi, but it is too subject to natural disasters. San Antonio, with easy access to the coast, but far enough away to avoid hurricanes, is where we focused our search efforts.

San Antonio

San Antonio is the second largest city in Texas behind Houston. It is the seventh largest city in the US, larger than San Jose, CA, which comes in as tenth largest in the US. Founded in the early 1700’s, San Antonio has a lot of history and culture. And while its population is large, it’s more like a big town, or series of towns, than a huge impersonal city, while still having a vibrant downtown and excellent universities.

Hill Country

In California we lived in the Santa Cruz Mountains about halfway between San Jose in Silicon Valley and Santa Cruz on the coast. So we were akin to terrain, trees and privacy.

Front of Santa Cruz Mountains Home

We therefore chose to focus our search in the Texas Hill Country just north of San Antonio. It has easy access to a large city, friendly downtowns, terrain, milder temperatures and less humidity. There was plenty to choose from as you can see from the map below. Circled in red is where we focused our search. Anywhere just north of San Antonio between Boerne and San Marcos would have worked.

Many now are abandoning Austin and moving westward towards San Antonio to escape the rising crime, rising homelessness, rising costs and silly politics. New Braunfels, between Austin and San Antonio is one of the hottest real estate markets in the country. And with easy access to two international airports, one can get virtually anywhere in the world. We spent a lot of time looking there.

Acclimation

Before meeting each other, both my wife and I had made significant changes in relocation in terms of distance and culture. As such, we anticipated a period where this wouldn’t feel like home for a while. No kidding, really, there was zero adjustment. We felt at home immediately.

I can’t say that this will be true for everyone, but for us there was no adjustment period. And as a bonus, each morning we are welcomed to the new day with spectacular sunrises, as you can see above. Texans aren’t “smiley face” nice, but genuinely warm and friendly. We often begin conversations with them by apologizing for moving from California and promising that we didn’t bring California with us.

Culture and Bias

I don’t know why, but Texas gets a bad rap for bias and prejudice. And while I’m sure it exists here like everywhere else, I have yet to see even a hint of it. I’ve seen mixed couples of every ethnic/color (stereo) type and nobody bats an eye. Male/male, female/female: same thing. What I’ve noticed about Texans is that they are very tolerant of almost everything with the notable exception of one – they do not like and do not accept others imposing their opinions or values on them. It is quite refreshing.

Essentially, everyone is welcome here.

I Bought the Company

Ever see one of those ads where the CEO says, “I liked it so much I bought the company?” Well, I did, sort of. I like living here so much that I walked away from my 30+ years in hi-tech and got my real estate license. I genuinely want others to find the contentment I and my family have found here.

If you want to learn more about the thought processes that got us here, or things to consider in making the move, please reach out. I’d be happy to share my experiences and help you anyway I can. Just reach out to me.

The Author and His Better Half

Bill@ReloToTX.com

62 of 75 Largest US Cities in Financial Ruin

Pic of US dollar bill in flames representing the fiscal insolvency of 62 of the The total cumulative budgetary shortfall for the 62 cities of the 75 largest US Cities

Introduction

Each year Truth in Accounting (TIA) researches and publishes a report on the fiscal health of the 75 largest US cities. This writing is a summary of data presented in a report published by TIA on January 26, 2021: “Financial State of the Cities 2021.”

In addition to the data provided by the TIA report, included is information about the party affiliations of each city’s mayor, and city population data. It is critical to note that the data provided by TIA is pre-coronavirus.

Summary: Financial Soundness of 75 Largest US Cities

Of the 75 cities researched, only 13 of them operated in the black. Of these, 7 were led by democrat mayors and 6 by republican mayors. The total cumulative budgetary shortfall for the 62 cities operating in the red is $354,797, 120,000. This figure is nearly identical to the amount democrats are proposing to add to the Covid relief bill in the form of state bailouts.

There are more than 3 times as many democrat mayors than republicans in the group. However, democrats accounted for almost 30 times the amount of debt. Republicans have a legitimate argument that the state bailout proposal is more political than a means to helping taxpayers recover from the effects of the pandemic. I will leave it to the reader to draw his/her own conclusions.

Local Politics and Fiscal (mis) Management

The party affiliations of the 75 city mayors were 53 democrat, 16 republican and 6 independent. While there are more than 3 times as many democrat mayors than republicans in the group, democrats accounted for almost 30 times the amount of debt than republican led cities.

Party Affiliation# of MayorsCumulative DeficitPopulation Represented % of US
Democrat53($337,302,760,000)44,497,66813.4%
Republican16($11,358,600,000)5,382,7171.62%
Independent6($6,135,760,000)3,533,1811.06%
City deficits by party affiliation with the populations affected and percentage of the total US population.

20 Cities, 9 States, Billions of Debt

There is a complete list of all of the data at the end of this essay. In terms of the fiscal health of the 75 largest US cities, 20 cities in 9 states accounted for 75% of the budget shortfalls of the 75 cities in the study. 17 of these cities are led by democrat mayors, 2 by independents and 1 by a republican. These cities are in states typically considered ‘blue.’

The vast majority of these cities have large, extremely wealthy populations. As mentioned in a previous writing, it is disingenuous for democrats to argue they are the “working man’s party” as, with the exception of three, all have democrat mayors. All are led by democrat governors with the exceptions of Maryland and Massachusetts.

StateShortfallPopulation Affected% of US
CA$19,896,500,00010,303,1423.10%
HI$3,500,000,000341,3020.10%
IL$36,400,000,0002,670,4060.80%
MA$3,100,000,000695,5060.21%
MD$3,800,000,000575,5840.17%
MN$343,700,000749,3800.23%
NY$194,400,000,0008,622,3572.60%
OR$4,400,000,000662,5490.20%
WA$926,700,000776,5550.23%
TOTAL$266,766,900,00025,396,7817.65%
20 cities in nine ‘blue’ states, with a combined population that represents less than 8% of the total US population, had budget shortfalls of almost a quarter of a trillion dollars in 2020.

Hold Your City Leadership Accountable

I knew that many US cities were in financial dire straits. I was shocked, however, by the extent and pervasiveness of the problem. Regardless your personal political affiliation, it is imperative that you take action to hold mayors and city councils accountable. While the voting booth is one course of action, publicly questioning them at public council meetings is more immediate and likely more effective.

Politics is local and your local politicians are spending and wasting your tax dollars foolishly.

Fiscal Health of the 75 Largest US cities, Ranked

For the purposes of this exercise, TIA did the ranking based upon each city’s budget surplus (or shortfall) and divided it by the number of taxpayers funding the budgets. In what I believe was an attempt to remain politically neutral, TIA did not include any mention of the political affiliation of the mayors; this was added by me. I also added population data to demonstrate the personal and social impact of the surpluses and deficits.

RankCitySurplus / TaxpayerTotal SurplusMayorPopulation
1Irvine, CA$4,100$610,900,000DEM298,739
2Washington, D.C$3,400$920,400,000DEM714,153
3Lincoln, NE$3,400$317,100,000DEM293,446
4Stockton, CA$3,000$299,800,000REP314,835
5Charlotte, NC$3,000$765,600,000DEM912,096
6Aurora, CO$2,400$326,500,000REP388,723
7Fresno, CA$2,300$390,300,000REP537,100
8Raleigh, NC$2,200$308,200,000DEM483,579
9Plano, TX$1,400$164,000,000REP285,537
10Tampa, FL$400$173,400,000DEM404,636
11Oklahoma City, OK$100$61,200,000REP669,347
12Wichita, KS$100$15,900,000DEM391,352
13Tulsa, OK$17$1,800,000REP402,742
14Long Beach, CA($100)($20,200,000)DEM456,154
15Minneapolis, MN($200)($22,100,000)DEM439,012
16Arlington, TX($700)($23,300,000)REP400,316
17Colorado Springs, CO($1,000)($125,900,000)REP489,529
18Greensboro, NC($1,100)($87,800,000)DEM301,094
19Corpus Christi, TX($1,100)($101,700,000)IND327,144
20Chula Vista, FL($1,300)($98,400,000)DEM281,838
21Orlando, FL($1,400)($118,400,000)DEM290,520
22Bakersfield, CA($1,400)($170,100,000)DEM389,007
23Fort Wayne, IN($1,600)($134,100,000)DEM276,286
24Henderson, NV($1,700)($178,800,000)DEM341,531
25Las Vegas, NV($1,800)($37,960,000)IND667,501
26Atlanta, GA($1,900)($262,400,000)DEM524,067
27Saint Paul, MN($2,900)($321,600,000)DEM310,368
28Riverside, CA($3,100)($330,700,000)IND334,772
29Louisville, KY($3,200)($537,300,000)DEM615,924
30Toledo, OH($3,200)($285,700,000)DEM268,609
31Columbus, OH($3,300)($982,700,000)DEM913,921
32Cleveland, OH($3,400)($427,400,000)DEM376,599
33Seattle, WA($3,400)($926,700,000)DEM776,555
34San Antonio, TX($3,500)($1,500,000,000)IND1,579,504
35Sacramento, CA($3,700)($607,500,000)DEM525,398
36Virginia Beach, VA($3,900)($574,900,000)REP450,224
37Indianapolis, IN($3,900)($1,100,000,000)DEM887,232
38Los Angeles, CA($4,000)($5,100,000,000)DEM4,085,014
39Memphis, TN($4,300)($810,000,000)DEM651,011
40San Diego, CA($4,700)($2,100,000,000)DEM1,469,490
41Mesa, AZ($4,900)($717,200,000)REP538,146
42El Paso, TX($5,200)($994,600,000)DEM685,434
43Santa Ana, CA($5,400)($571,900,000)DEM333,130
44Albuquerque, NM($5,600)($850,700,000)DEM562,281
45Denver, CO($5,800)($1,500,000,000)DEM749,103
46Detroit, MI($6,100)($1,300,000,000)DEM664,139
47Anaheim, CA($6,200)($696,100,000)REP349,699
48Anchorage, AK($6,400)($665,400,000)IND282,958
49Phoenix, AZ($6,500)($3,100,000,000)DEM1,743,469
50Omaha, NE($7,500)($1,200,000,000)REP479,978
51Austin, TX($7,600)($2,100,000,000)DEM1,011,790
52Tucson, AZ($8,400)($1,300,000,000)DEM554,503
53Lexington, KY($9,200)($821,200,000)REP324,604
54Fort Worth, TX($9,400)($2,400,000,000)REP942,323
55Jacksonville, FL($10,100)($2,800,000,000)REP929,647
56San Jose, CA($10,300)($3,400,000,000)DEM1,036,242
57Kansas City, MO($11,300)($1,700,000,000)DEM501,957
58Houston, TX($11,600)($7,500,000,000)DEM2,378,146
59Boston, MA($12,000)($3,100,000,000)DEM695,506
60Milwaukee, WI($13,500)($2,800,000,000)DEM587,721
61Dallas, TX($13,500)($5,100,000,000)DEM1,400,337
62Miami, FL($14,200)($2,000,000,000)REP478,251
63St. Louis, MO($14,600)($1,300,000,000)DEM294,890
64Cincinnati, OH($15,200)($1,500,000,000)DEM307,266
65Pittsburgh, PA($16,000)($1,600,000,000)DEM299,718
66San Francisco, CA($16,300)($4,600,000,000)DEM883,255
67Oakland, CA($17,000)($2,300,000,000)DEM440,981
68Baltimore, MD($18,000)($3,800,000,000)DEM575,584
69New Orleans, LA($20,000)($2,000,000,000)DEM388,424
70Portland, OR($20,400)($4,400,000,000)DEM662,549
71Nashville, TN($22,000)($4,300,000,000)DEM678,448
72Philadelphia, PA($25,700)($13,600,000,000)DEM1,590,402
73Honolulu, HI($29,600)($3,500,000,000)IND341,302
74Chicago, IL($41,100)($36,400,000,000)DEM2,670,406
75New York City, NY($68,200)($194,400,000,000)DEM8,622,357
75 Largest US cities ranked by fiscal responsibility.

If you found this enlightening or useful, please share it with your family, friends and colleagues.

California Ranked

Picture of San Francisco homeless encampment

Following is a list, with links to sources of data, of how California compares to the other 49 states. The quality of life has gone down the toilet and the cost of living has gone up since special interest groups, progressives, liberals and democrats took control of the state.

Please share this list.

Fast-Track Nationwide Concealed Carry

2nd Amendment of the Constitution

Two considerations:

  • Bearing arms is a right given by nature and protected by the Constitution.
  • A license to drive an automobile is a privilege granted by each of the individual states and territories.

Car accident

Introduction

Regardless in which US state or territory it was issued, each US state recognizes each other state’s license to operate motor vehicles. However, in terms of recognizing other states’ licenses to carry concealed weapons, this is simply not the case. In many instances this lack of recognition entraps law-abiding citizens and unwittingly places them in jeopardy of being felons.

Picture of concealed handgun

States with no reciprocity

California, Connecticut, Illinois, Maryland, Massachusetts, New York and the District of Columbia will not honor concealed carry permits issued by any other state. And further, each of these states tend be very stingy in the number of permits they issue.

Law abiding citizens with either a concealed carry permit or from a “Constitutional carry” state places him/herself in jeopardy of being arrested and charged with a felony merely for transiting from one state through another.

States with full reciprocity

Alabama, Alaska, Arizona, Arkansas, Idaho, Indiana, Kansas, Kentucky, Mississippi, Montana, North Carolina, Ohio, Oklahoma, South Dakota, Tennessee, Utah, Vermont and Virginia will honor concealed carry permits issued by any other state. Those in possession of concealed carry permits from these states may travel within of through any of the others without fear of any ethically unjustifiable arrest or indictment.

States with partial reciprocity

Colorado, Florida, Georgia, Louisiana, Maine, Minnesota, Montana, New Mexico, Nevada, New Hampshire, North Dakota, Pennsylvania, South Carolina, Texas, Washington, West Virginia, Wisconsin, and Wyoming each honor their own specific group of permits issued by other states. In essence, within these jurisdictions it is, essentially, “caveat emptor” as permitted carriers must understand often confusing and sometimes contradictory laws permitting concealed carry.

The numbers

  • 8 states and territories with zero reciprocity
  • 19 states with full reciprocity
  • 18 states with limited reciprocity

In essence, eight states, one on the west coast and seven on the northeast coast, are limiting the natural given rights that are protected and guaranteed under the United States Constitution.

An easy way to correct the injustice

Image of Uncle Sam pointing his finger

The 19 states that recognize concealed carry permits from all other states should stop recognizing driver licenses issued by states that do not recognize concealed carry permits issued by them. Drivers from non-reciprocity states should not be permitted to operate motor vehicles in reciprocity states.

There are no God-given rights to operate a motor vehicle. There is, however, a God-given right to self defense be it from individuals or a tyrannical government. It is time to coerce, through legal and ethical means, those who trample on the rights of US citizens to conform to the protections guaranteed by the Constitution.

It’s past time for politicians to protect the Constitution and represent the best interests of their constituents.

California’s Bullet Train to Nowhere Follies

Old fashioned steam locomotive going off a cliff

DISCLOSURE: I naively voted FOR the 2008 ballot authorizing California to issue $10B in bonds to construct a high speed railway, the “Bullet Train,” connecting San Francisco and Los Angeles at a proposed total cost of $33B and a promised completion date was 2028.

An Exercise in Political Folly

If Sacramento politicians focused upon actual need rather than federal dollars, the “bullet train” would have had a much greater chance of success. These federal dollars were tied to California achieving specific milestones in terms of track completion. So, rather than beginning where there were immediate critical needs (i.e. connecting costly, dense urban areas with outlying, affordable communities) the decision was made to begin by connecting two smaller cities in California’s Central Valley. The naive and typical political thinking was that this would enable the easy and quick construction of many miles of track and ensure a continuing flow of federal money.

Twelve years later the estimated total budget for completion is over $98.5B and constantly growing. If and when the first section between two small cities is completed, the lack of need and the high cost overruns will guarantee that it will operate at a loss. And yet California politicians, all of them democrats, insist taxpayers keep funding it.

Assuming there was a genuine need for high speed rail connecting San Francisco with Los Angeles the cost overruns will prevent it from being price competitive with the frequent and inexpensive flight options available. There was a much greater chance of success if politicans in charge started construction at the beginning, rather than the end.

I envisioned five phases to the project. The first two, which could have been done in tandem, would have connected San Francisco and Los Angeles outlying suburban areas where many are now forced to live because of housing costs. This would have served a definite need while also satisfying California’s Green initiatives. In others words it would have gotten cars off the road.

The five phases I envisioned follow. As I’m neither a transportation nor construction engineer, ignore the specifics. It is the general concept that draws the difference between sensible and political thinking.

Phase I: San Jose to Stockton via Tracy

Google map image depicting proposed bullet train route between San Jose and Stockton
The Bay area’s high housing costs force many to commute from the Central Valley. Many drive over 150 miles per day.

In 2018, The San Jose Mercury news published an article highlighting Stockton, CA as the nation’s leader in terms of 90-minute+ daily commutes. There was sufficient demand for high speed rail connecting the Central Valley to San Jose even prior to Google’s significant investments in San Jose real estate and the subsequent plans to create a massive transit hub. While the Diablo Range adds complexity, there’s been talk of building a highway across it for decades. This was an incredible opportunity lost by shortsighted politicians.

Phase II: Los Angeles to San Bernardino

Google map image depicting proposed bullet train route between Los Angeles and San Bernardino
Similar to the SF-Bay area, Los Angeles employees are forced to commute significant miles as an end result of high housing costs.

Even worse than San Francisco Bay-area traffic is the nightmare commuters face on a daily basis in Los Angeles. Exasperating the situation in Los Angeles is its large geographic area. In terms of geography, Los Angeles is 10 times larger than San Francisco. The Los Angeles metropolitan and outlying areas have screamed for many decades for traffic relief. Once again, however, politicians ignored their constituents and wasted taxpayer money. And there is no end in sight for this wasteful spending.

Phase III: Stockton to Sacramento

Google map image depicting proposed bullet train route between Stockton and Sacramento
A natural extension of the line between San Jose and Stockton would be one connecting the state’s capitol.

A logical northern termination point would be an extension of the Stockton terminus to Sacramento. Sacramento is the seat of state government and has the 6th largest population in the state. While initially only providing high speed rail to Silicon Valley, it will ultimately connect it to virtually every other large population center in California except Palm Desert and San Diego. And these two areas are naturals for extensions upon successful completion of the pertinent and useful sections.

Phase IV: San Bernardino to Bakersfield

Google map image depicting proposed bullet train route between Bakersfield and San Bernardino
Whether a line is run from Los Angeles to San Bernardino or Bakersfield instead, a wiser decision would have been beginning in densely populated areas rather than connecting areas not densely populated.

Combined, the San Bernardino / Riverside metropolitan area has a population similar to Fresno, CA. Linking these two areas would accomplish three laudable goals: 1) it would open up the Central Valley to greater commerce; 2) it would help mitigate some of the housing costs and traffic issues in San Bernardino metro area, and; 3) it would serve as the logical southern terminus for what should have been the final phase of the effort: connecting northern and southern ends of the Central Valley.

Phase V: Bakersfield to Stockton via Fresno

Google map image depicting proposed bullet train route between Bakersfield and Stockton
The logical last phase of the effort would connect two densely populated regions: Northern California to Southern California.

And thus we come to what should have been the final phase of the effort. At first glance this appears to be easy. Heck, look at all the flat land. And as the population density is low, there aren’t as many people to argue against it, just some pesky farmers that merely supply the country with food…

The decision by California politicians to begin at the end guarantees the perpetuation of an expensive, useless boondoggle.

In Conclusion

Rather than admit defeat and stop throwing bad money after bad, California politicians refuse to terminate this ill-conceived and poorly executed initiative. The end result will be a very expensive railroad that nobody will be able to afford going to no place anybody wants to go.

What California Democrats Don’t Want You to Know

Homeless encampment alongside a highway in San Francisco,  one of the wealthiest cities in the world

California Compared to the Other 49

Gasoline Cost: 1

Gasoline Tax: 1

Homeless Veterans: 1

Homelessness: 1

Illegal Aliens: 1

Income Tax: 1

Murders: 1

Poverty: 1

Sales Tax: 1

Single Parent Households: 1

Teen Births: 1

Traffic: 1

Worst State to do Business: 1

Car Ownership Cost: 2

Living Costs: 2

Home Building Cost: 2

Workers Compensation Premiums: 2

Infrastructure: 32

Best State to Grow Old: 35

Education: 37

Fiscal Stability: 42

Dental Health Care: 43

Affordability: 43

Child Care Costs: 44

Female Unemployment Rate: 46

Elder Abuse Protection: 48

Home Ownership Rate: 49

Day Care Quality: 49

Opportunity: 50

Air Quality: 50

Pro Second Amendment: 50

Business Friendliness: 50

Cost of Doing Business: 50

Median Women’s Salary (Adj. for COL): 50

Quality of Life: 50

Some of the Clowns That Caused the Mess

A collage of California Democrats that have made a horrible impact

Do Not Allow This to Happen to the Entire Country

Fanatic, left-wing, progressive politics have created a disaster in California. This tyrannical wave of socialist nonsense must be prevented from overtaking the entire country. A simple Constitutional Amendment for “Equitable Representation” would go a long way towards preventing California politicians from undermining our representative democracy.

Sources of Information

https://www.va.gov/HOMELESS/pit_count.asp

https://www.usatoday.com/story/money/2019/02/08/senior-living-best-and-worst-states-grow-old/39006119/

https://wallethub.com/edu/states-with-best-elder-abuse-protection/28754/

https://www.oregon.gov/dcbs/reports/Documents/general/prem-sum/18-2082.pdf

https://www.abc10.com/article/news/local/california-is-one-of-the-worst-states-for-dental-health/103-513983479

https://www.usich.gov/tools-for-action/map/#fn[]=1400&fn[]=2900&fn[]=6000&fn[]=9900&fn[]=13500

https://www.forbes.com/sites/reneemorad/2018/07/31/states-with-the-best-public-school-systems/#12cc50443897

https://www.usnews.com/news/best-states/slideshows/states-with-the-highest-poverty-rates-in-the-us

https://www.sacbee.com/news/local/health-and-medicine/article218270905.html

https://www.pewhispanic.org/interactives/u-s-unauthorized-immigrants-by-state/

https://cars.usnews.com/cars-trucks/most-expensive-states-to-own-a-car

https://wallethub.com/edu/states-with-the-highest-and-lowest-property-taxes/11585/

https://www.insurance.com/total-cost-of-ownership

https://www.statista.com/statistics/195331/number-of-murders-in-the-us-by-state/

https://www.usnews.com/news/best-states/rankings/opportunity

https://www.bankrate.com/retirement/best-and-worst-states-for-retirement/

https://datacenter.kidscount.org/data/tables/6053-total-teen-births?loc=1&loct=2#detailed/2/2-52/false/871/any/12721

https://datacenter.kidscount.org/data/tables/106-children-in-single-parent-families?loc=1&loct=2#detailed/2/2-53/false/871/any/429,430

https://www.usnews.com/news/best-states/rankings

Special Interest Groups Created the Energy Issues

Picture of an oil refinery spewing smoke

The Irony of the “No Blood for Oil” Movement

With a diminishing reliance upon imported fossil fuel, the military costs associated with ensuring a steady supply of it also diminishes. Unforeseen consequences of laws passed by spineless politicians in the 60’s, 70’s and 80’s were the direct end results of the dangerous reliance on foreign oil. Not unlike what we see today, to keep their legislative seats, the laws passed satisfied naive, ill-informed special interest groups. And, as in a quote often attributed to Albert Einstein, “Insanity is doing the same thing over and over again and expecting different results.”

Plaque memorializing the Three Mile Island nuclear incident. Naive special interest groups used this to curtail nuclear energy development.

Well Intentioned; Dangerously Naive

In the 70’s and 80’s, ill-informed special interest groups, using highly emotional yet specious arguments, railed against nuclear power plants. Nuclear plants produce less toxic waste in a year than coal plants produce in an hour. Investments in future plants are all but dead. Ironically, no deaths or illnesses attributed to nuclear energy in the US…

Concurrently, ill-informed, self-righteous, ‘environmental’ special interest groups, using highly emotional yet specious arguments, railed against oil drilling (“NOT IN MY BACKYARD!”) A dangerous reliance on foreign oil, primarily from OPEC and more specifically the Middle East, resulted. This created enormous wealth, held primarily by ruling families that were and are akin to the Mafia. To keep their wealth and power, these families paid off radical groups which ultimately morphed into terrorist organizations. Daily we see the result of that…

Hand of protester holding "No Blood For Oil" sign

The Result: “Blood for Oil”

A perilous reliance on foreign oil by the US resulted from these unintended and unforeseen consequences (by environmentalists.) Like it or not, oil is the blood that courses through the veins of the US economy. Count on this remaining so for decades, regardless of what the delusional Green New Dealers espouse…

Political cartoon of AOC blowing on a sail to make a bullet train move

This reliance on foreign oil, controlled by what are essentially mob families, necessitated a dramatic increase in military presence in the Middle East to ensure a steady supply of blood for continuous infusion into the US economic veins. And, as inevitable, actual human blood spilled to ensure this continuous supply of oil. The Left’s rallying cry became, “NO BLOOD FOR OIL!” And this, while heating their homes with oil, driving with oil derivatives and using petroleum-based products. Of course the irony and hypocrisy is lost on them…

Ironic special interest group picture of a bumber sticker on a gas guzzling car stating, "NO BLOOD FOR OIL."

Bring Back Real Green Energy

It’s probably safe to say that everyone would like to shift reliance on fossil fuels to green energy. However, the notion of a complete reliance on solar, wind and hydro power, as espoused by the Green New Deal activists, is absurd. Beyond the cost (that makes it infeasible in its current maturity) is the inability to control the climate and nature; wind and solar power are not a constant, but highly variable and therefore unreliable. And, BTW, in the late 70’s, I worked my way through college making solar panels for a subsidiary of EXXON. 40 years later and neither the technology nor the economics for solar makes it practical…

There are many beneficial consequences of increased US oil production. It lessens the dependency on oil supplied by questionable regimes. The need for military assets deployed to the Middle East decreases: no more “Blood for Oil.” There is also a tremendous, beneficial effect on the US economy. But most importantly, there is for breathing room until green energy becomes technically feasible and economically cost-effective.

Increase oil production. Increase investments in (green) nuclear energy. Decrease dependence on foreign energy.

United States Constitution: Amendment 28

Equitable Representation

Overview

This article presents a case for an amendment to the US Constitution for equitable representation in Congress for US citizens. Included is data which serves as evidence and arguments serving as justification for enacting this amendment. 

Summary

The United States’ representative democracy is in jeopardy. The legislative branch, the House of Representatives in particular, is dysfunctional, factionalized  and not acting in the best interests of the citizens that elected its members. Increasingly, more time, effort and taxpayer money is spent on getting re-elected, denigrating opponents and currying the favor of special interest groups than in performing the duties voters elected them to do.

At the time of the 6th US Congress in 1800, there were 106 members of congress representing a population of 5.3 million people, or about 50,000 people per representative. In 1929, Congress fixed the number or representatives at 435. With a current US population of 332 million, each member of congress now represents over 762,000, a number so large making it obvious that no member of Congress can fairly represent his or her constituency. Fixing the number at 435 rather than implementing a formulaic approach for arriving at a number is a root cause of Congress’ dysfunction.

Evidence based mostly upon federal government reports clearly indicates that, high income households tend to cluster in urban areas,  urban areas tend to cluster along both coasts and urban areas tend to vote for Democrats. These facts in and of themselves are not an issue. The issue is that lower income households and rural areas tend to be under-represented by Congress. This becomes very clear when investigating population density, and therefore wealth, on an intra-state basis.

Simply by limiting the size of US states to 5% of the total US population would have a dramatic, positive impact on providing equitable representation to those not currently being represented by the legislative branch of the federal government. In so doing, there would be two additional senators for each new state created. Further, additional members of Congress would be added to keep the proportion of congressmen and senators at its current ratio.

This article provides coherent data to substantiate the hypothesis and presents examples of what the results could look like. In short, the Constitution of the United States is in need of a 28th amendment to provide for equitable representation.

Perspective

The U.S. Constitution called for at least one Representative per state and that no more than one for every 30,000 persons. By the time of the 6th US Congress in 1800, the US Population was 5,308,483 and there were 106 members of Congress. Therefore, each member represented 50,080. To visualize 50,080, it is similar to the current population of Poway, CA. The US 1800 population approximates the total current population of South Carolina. By 1800, congressional representation did not come close to how the Founders envisioned; it continues to get drastically worse.

In 1929, the House passed the Permanent Apportionment Act of 1929, fixing the number of Representatives at 435. As we will see, fixing this number as a constant, versus one derived in a formulaic fashion, was a serious mistake.

The 1930 US Census counted 123,202,624 persons. 435 representatives resulted in each member representing 283,224, which is roughly equivalent to the population of Newark, NJ.

The current US population is ~ 331,883,986. Each member of congress now represents ~ 762,952 persons. This closely approximates the population of Seattle, WA. From 1930 to 2019, the number of persons each congressional member represents has almost tripled. Each member of congress now represents more than 15 times the number each did in 1800. This is graphically depicted here:

Graph comparing US Population and congressional representation in 1800, 1930 and 2019
Congressional Representation and Population

This chart is on a logarithmic scale, the population is in the 10,000’s and the population per representative is in the 1,000’s. If not, Population per representative would be invisible.

The mean number of representatives per state is 9. The standard deviation about the mean of representatives per state is 10. California’s number of representatives is more than 5 deviations from the mean: off the charts.  

The current ratio of the number of US senators (100) to US congressional members (435) is 23%.  Keep this number in mind.

Representation That Isn’t

Congressional representation from four states, California, Texas, Florida and New York, account for 33% of the entire congressional membership. Specifically:

  • California – 53
  • Texas – 37
  • Florida – 27
  • New York – 27

The two states in terms of subsequent highest number of representatives are Pennsylvania and Illinois. They each have 18 representatives, equating to 33% less than  that Florida and New York. Below is a table depicting each state. The number of representatives for each state and the 2019 population of each state.

Table listing the 50 United States, the number of congressional representatives for each state and the the estimated 2019 population of each state.

Another way of visualizing representatives-per-state follows.

Graphical representation of representatives for each state as it currently exists
Large States + High Income + Media Control = Inequitable Representation

Population Density Versus Household Income

With some exceptions, high income households tend to cluster around dense urban areas and along both coasts. This is clearly depicted in the images below. The first depicts population density, while the second depicts income per household.

Image depicting population density to household income
Population Density Compared to Household Income

This distribution, in and of itself is not an issue. People may choose to live where they please. Where it is an issue, however, is how population and wealth density relates to political representation.

When comparing high household income areas with a congressional representation map, obvious and not surprising patterns are clear. Generally speaking, high density, high income areas are represented by Democrats. Lower density, lower income areas are represented by Republicans.

Comparing images of population density and US Congressional representation by party

As an aside, it is somewhat perplexing that Democrats argue they are the champions of the working class.

 This pattern also occurs within states. Following are comparisons of the four largest states and how they are represented.

Two images comparing California population density with Congressional representation
California Population Density Compared to California Congressional Districts
Two images comparing Texas population density with Congressional representation
Texas Population Density Compared to Texas Congressional Districts
Two images comparing Florida population density with Congressional representation
Florida Population Density Compared to Florida Congressional Districts

Two images comparing New York population density with Congressional representation
New York Population Density Compared to New York Congressional Districts

The pattern of population and income, and their relationship to congressional representation is consistent in each instance. Higher incomes tend to cluster in urban centers and votes Democratic; lower incomes tend to reside in rural areas and vote Republican. Further, generally speaking, Democrats tend to cluster around the coasts while Republicans reside in the heartland. 

This is not only true of the House of Representatives, it is also true for the senate as well. Refer to the following maps.

Two images comparing House of Representatives by party, and Senate by party
Congressional Representation Compared to Senate Representation

There is nothing inherently right or wrong with this distribution of representation. What is of concern, however, is that the density of high income voters within these states in particular, control the legislative power; and this legislative power tends to leave lower income voters without representation.

28th Amendment to the US Constitution

Image depicting proposed 28th Amendment to the US Constitution
28th Amendment to the United States Constitution
Equitable Representation

Impact of the 28th Amendment 

Five percent of the current US population of 331,883,986 is 16,323,249. Four states have populations greater than the 5% threshold.

  • California – 39,557,045 
  • Texas – 25,145,561 
  • Florida – 18,801,310 
  • New York – 19,378,102 

5 additional states would result in 10 additional Senators and 34 additional congressional members under the 5% rule. The table below compares the 17 largest states and their number of congressional representatives as they currently exist, and how it could look.

Table comparing population and number of representatives of the 17 largest current states versus the same under the 28th Amendment

Note that the current largest state is nearly six times as large as the current seventeenth largest one. However, under the 5% rule, the largest state is less than two times the size of the seventeenth largest. Please now refer to the following table.

Table comparing mean, median and standard deviation statistics as exists now and after the 28th Amendment is enacted

Of more relevance than population distribution is the impact on the equitable distribution of congressional representation and therefore congressional influence. Note in particular that the standard deviation of representatives about the mean drops from 10 to 6. And, as the highest number of representatives per state has dropped from 53 to 22, geographic location is much less critical in terms of representative control. In short, the result is much greater equitable representation nationwide.

Visually, it looks like this:

Graphical representation of representatives for each state with enactment of the 28th Amendment

While not entirely solving the issue of members of Congress representing too many people, a formulaic method of determining the number of congressional members versus the current fixed one, would help minimize the impact of population growth. The following chart visually demonstrates the immediate result.

Graph comparing US Population and congressional representation in 1800, 1930, 2019 and with enactment of the 28th Amendment
Congressional Representation and Population

This chart demonstrates that by incorporating the 5% rule, the number of people each member of Congress represents would lower to the level of 2010. While this will not solve the problem of diluted representation, it helps contain it. Additionally, it would serve as discouragement for larger states to encourage illegal immigration. Not only would a growing population force large states to split anew, there would be a smaller tax base to fund the programs that serve as inducements to illegally cross the border; even those sympathetic towards illegal immigrants would revolt against the tax burden.

California Under the 28th Amendment

As the population of California is nearly 40 million people, the 5% rule would necessitate it being divided into three states. Here is a possible scenario.

Picture comparing California divided into three states, with the same image with a population density overlay
California Divided and with Population Density Overlay

California 1 would have a population of ~ 13.23M, California 2 would have a population of ~ 10.5M, and California 3 would have a population of ~ 15.75M. Sacramento and San Diego would go with California 1. San Francisco and San Jose would go with California 2. Los Angeles would go to California 3.

Of critical importance in this scenario is how it would impact equitable representation. Currently, ‘California 1’ is underrepresented at both the state and federal level. Under the 28th Amendment this would no longer be true.

From a geographic size point of view, current and potential states compare like this:

Table comparing the Geographic size of California as it now exists to other US states, and if it were divided

Texas Under the 28th Amendment

Under the 5% rule, Texas would be required to split into two states. Below is a scenario with the resultant states having almost equal populations and geographical areas. Note also that political majorities (Republican / Democratic) in terms of majorities, remain almost completely intact.

Picture comparing Texas divided into two states, with the same image with a population density overlay
Texas Divided and with Population Density Overlay

Divided as such, Texas 1 would have a population of 14,627,017 and Texas 2 would have a population of 14,073,925. Houston and Austin would go to Texas 1. Dallas would go to Texas 2.

From a geographic size point of view, current and potential states compare like this:

Table comparing the geographic size of Texas as it now exists to other US states, and if it were divided

Florida Under the 28th Amendment

The 5% rule would require Florida to split into two. Similar to Texas, dividing Florida as in the example below would enable majority political affiliations to remain intact. South Florida tends to vote similarly to Northeast states. Northern Florida tends to vote Similar to Southeast states.

Florida Divided and with Population Density Overlay

Divided as such, Florida 1 would have a population of 10,284,745 and Florida 2 would have a population of 14,949,337. Miami, Ft. Lauderdale and Sarasota would go with Florida 1. Tampa, Orlanda and Tallahassee would go with Florida 2.

From a geographic size point of view, current and potential states compare like this:

Table comparing the geographic size of Florida as it now exists to other US states, and if it were divided

New York Under the 28th Amendment

New York would also need to be divided into two states under the 5% rule. Of the four states immediately impacted by the rule, geographic size would be the most disparate. The population density in and around Manhattan leaves little choice. Here too, however, majority political affiliations remain intact. And not unlike eastern California, the end result would be more equitable representation both statewide and federally for upstate New York.

New York Divided and with Population Density Overlay

Because of the dense urban area concentrated around Manhattan, and the comparatively large, urban area of upstate New York, it is difficult to configure two states from the original with relatively similar populations. Therefore, in New York 1, the resultant population would be 8,370,087 and New York 2 would be  11,014,580. Albany, Syracuse, Rochester and Buffalo would go to New York 1. Manhattan, Staten Island and Long Island would go to New York 2.

From a geographic size point of view, current and potential states compare like this:

Table comparing the geographic size of New York as it now exists to other US states, and if it were divided

Conclusion

The House of Representatives is supposed to be that part of the federal government that is closest to the citizenry and most reflective of it. This is simply no longer the case, if it ever was. Population density and wealth is concentrated heavily in just a few states. These states, in addition to their concentration of congressional power, are too closely aligned with an extremely biased media.

The end result of this concentration of congressional power, wealth and media control is a legislative branch that is disconnected from the people they were elected to serve. This is leading the United States away from its Constitutional, democratic-republic form of government towards one of a tyrannical, socialistic democracy. The Constitution is being diminished and threatened.

The result of a Constitutional amendment for equitable representation would result in a greater balance of power among the states. It would also result in a Congress more focused on the needs of its constituents and less so on its perverse need for power. It would be a giant step away from an oppressive, authoritarian minority.

In 1971, the 26th amendment to the Constitution was sent to the states for ratification. They did so in three months and eight days; a record time for Constitutional amendments. To preserve the United State’s representative democracy and, to get Congress to function as it should, the enactment of an ‘Equitable Representation’ Constitution should receive the same sense of urgency.