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Excel 1

Elected Democrats brag “Social Security is our most successful program,” and we agree with them having done a comprehensive, Excel system analysis. It has given them more money to spend with no consequence than anything before Fed Chair Ben Bernanke invented, “…putting T-Bonds on a shelf.” That maneuver will turn us into Cuba or Venezuela and put Ben in the annals of infamy even in the liberal, fawning major media.

This Excel spreadsheet system shows the difference between our socialistic retirement system and a free market alternatives. It also documents the reason our government is considering confiscating all private retirement programs to pay the national debt and in return give the victims a Social Security pension! “Be happy!” They think they can sell this to the people as a patriotic gesture!

Refusal to participate will be a felony, but a new industry will pop up with ways to defeat the elected ruling robbers. We are working on ways to work-around this disaster. When John Dillenger was asked why he robbed banks he said, “That’s where the money is!” The elected people were listening and we the people are “the bank.”

The first vertical column is the age of the example, the second the year, third is his salary, based on averages at the time, including inflation, the SSI deposit and the fourth column the sum of deposits.

The next three columns are for the interest earned from banks during each period, initially 6%, the 8% earned by investing in the DOW 30 top stocks, per historical data, and the 20% earned by investors who used recommendations of “Value Line” or “Investors Business Daily,” again from historic data. The bottom line is for sums of each column.

You can estimate how much you would have on your expiration by assuming you will probably live about as long as your elders of your sex. Generally this is a good predictor. After you stop working you continue investing while drawing an equitable amount, which you can change from year to year and thus fine-tune your equities. Here are the three cases:


If your SSI money had been put in a bank you could take $240,000 a year from the total and if you lived to be 90 you would still have $182,376 in your estate, not the $250 given under SSI.

Had you spent a little time each month putting money in one of the DOW 30 stocks, you could take $850,000 per year and at age 90 still have $660,062 and this is conservative as learning a few rules like “buying on dips,” “selling on pops or peaks,” etc would raise this significantly.

Had you subscribed to Value Line and Investors Business Daily, read them well, learned a bit on trading, you could spend $1 million per year and still have $45 billion left if you live to 90! Of course you would have a secretary and staff to help you manage all your money, book TV and radio appearances. And, most remarkably, you never made over $42,378 on your job! You would have very likely made an adjustment along the way…

Crazy as this sounds it is mathematically valid and if you did not do this you can blame yourself, liberalism and all of the evil people to whom capitalism, corporation and modern agriculture are swear words. Need we say they are liars and crazy. There is more for all with capitalism.

Where it is so easy to set up these systems we had to wonder why the elected ruling class let this happen when such investment would expand the economy with more investment capital?

Only one of every 1,300 US Patents makes more than it’s fees, about $500. The reason is not that 1299 were bad ideas. The reason is that there is not enough capital to make many good ideas happen.

Privatizing Social Security, ripping it from the hands of our closet Socialists, would go a long way to making Earth a planet of abundance. America can make that happen.

For the elected ruling class more power to the people is a threat as it diminishes the stripped pants people. This is why all governments tend to socialism. We have to accept these are people who would love a world in which their arrivals would cause throngs to fall to their knees screaming, “We are not worthy! We are not worthy!”

We were not paying attention when JFK said, “We don’t choose to go to the moon because it is easy. We do it because it is hard!” Crazy! Why did we believe, “If you want to keep your doctor you can keep your doctor! Period!” Or in 1992, Al Gore saying, “If we don’t do something all of Florida and New York City will be under water in ten years!” There is something very wrong with the American psyche, culture and education.

If you have doubt about this system or want to experiment with it we will be glad to send it to you as Excel file with a PDF instruction file from “[email protected]

The opinions expressed in this commentary are solely those of the author and are not not necessarily either shared or endorsed by

Adrian Vance

Trained as a science teacher, with eight years classroom experience, he has been writing professionally since the age of 15. He was the youngest person to be published in Journal of the Illinois Academy of Science at 17 as a result of a paper he wrote suggesting a revision in the science teaching curriculum. Publication was accidental as his teacher headed the selection committee and his paper was sent to the printer in error. Nonetheless, it received positive response. It proposed teaching General Science, then Physics followed by Chemistry with Biology in the senior year given the then new molecular focus in Biology.
During his college years he worked on the school newspaper, primarily as a photographer and did an occasional feature, some of which caused him to be called to the Dean’s office. “You don’t like the way we do things here?” was the usual opening remark followed by the expected suggestion.
After his third year, exhausted and without direction, he left for one year, but returned, when Sputnik and Admiral Rickover’s books documented a crisis in American education. He felt called to teach and completed a B.S. in Physical Science at Illinois State University with a major in chemistry, minor in biology, near minors physics and education. He did graduate work in both Illinois and California completing a California Life Diploma teaching credential in 1962.
While teaching he saw many needs and opportunities in educational publishing so he wrote and produced educational materials, primarily filmstrips and sound recordings. He also wrote for photographic magazines as film work put him in touch with many photographic and production problems. He has 325 screen credits in educational, industrial film and filmstrip as a writer-producer. In 1976 he won the Learning Magazine “Best of the Year” award for his “You in the Universe” filmstrip series and the New York Film and Television Festival Silver Medal for “An Introduction to Cells” filmstrip series.
For a partial database of Adrian’s publications please click on and you will see them listed by series title and publisher. Each series title included four to 30 filmstrips and all are not fully listed in this database. The grand total is over 800.
Over that 30 years Mr. Vance also wrote other material: two books, published in New York: “UFO’s: The Eye and the Camera” for Barlenmir House and “Audiovisual Production” for Amphoto Books. He wrote and illustrated over 100 features and columns for photography magazines. He was a Founding Contributing Editor for Peterson’s PhotoGraphic Magazine and the West Coast Editor of Popular Photography from 1974 to 1978, writing a monthly column for the magazine. As a result of underwater photography work he contributed to SKIN DIVER magazine in the 70’s. His “Timing Waves to Enter The Sea” article, first appearing in SKIN DIVER, is now a chapter in a classified U.S. Navy Seals training manual.
“UFO’s, The Eye and the Camera” documents his “Two channel information theory for the analysis of events simultaneously seen and photographed.” It is the first comparative analysis of vision and photography written with the idea of combining information from both sources into a single analysis that can be used scientifically and forensically.
Mr. Vance is also credited with solving the mystery of how complete maps of Earth were drawn in antiquity and he rediscovered Captain Cook’s secret method of locating Pacific islands so well their positions have only recently been improved. He is cited with discovering the method in the seventh edition of “The Maps of the Ancient Sea Kings,” by Dr. Charles Hapgood and he later contributed to a definitive article on cartography in antiquity for The Smithsonian Magazine as they confirmed his method.
On February 19, 1976 Mr. Vance got a “Certificate of Appreciation” award from the Los Angeles Police Department “in grateful recognition of his generosity in make available to officers of this Department the talents and training of his German Shepherd, Boris. The ready willingness of Mr. Adrian Vance to become involved and to make available his valuable dog in a potentially hazardous situation deserves the gratitude and approbation of the entire Los Angeles Police Department.” This incident was critical to the LAPD administration’s realization that trained dogs could be of value in police work and they are now employed by the LAPD.
When the computer replaced film the school market audio-visual field he switched horses at full gallop and produced 460 computer educational disk systems for the Apple II computer over 15 years. During that time he became a professional broadcaster in the 90’s to promote the State Water bond issue in Santa Barbara, California as he felt it was critical for the town. He was publicly credited for having been one of the top ten reasons the measure passed thanks to his book “Drought in Paradise” and radio work.
The collapse of his software business when Apple Computer discontinued the “II” machine line in 1995 crystallized the failure of his second marriage. With no clear direction in the school market supplemental materials field he sought a career in broadcasting in Las Vegas, Nevada doing shows on both KDWN and KXNT. This was unsatisfying due to the “star” economics of commercial radio where a few performers make millions and everyone else starves.
Mr. Vance has also been a day trader, strategist, system developer and author on the equities markets and trading. He now trades stock, land and develops residential property. His website and trading information service, “The Stock Surfer” was a leading Internet service for seven years. He has been developing “The Young Americans” series of Young Adult novels promoting conservative values as well as his personal memoir, “A Long Way From Normal.” You can buy Adrian Vance’ books or downloads at
December 21, 2010 he was awarded US. Patent 7,855,061 for his “Fuel Farm” that makes a gasoline equivalent 100 Octane fuel, butanol, from CO2, water and sunlight with algae and bacteria. You can see the full disclosure websites regarding his inventions at: and


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