An Objectivist Individualist

Charles R. Anderson, Ph.D. is a materials physicist, self-owned, a benevolent and tolerant Objectivist, a husband and father, the owner of a materials analysis laboratory, and a thinking individualist. The critical battle of our day is the conflict between the individual and the state. We must be ever vigilant and constant defenders of the equal sovereign rights of every individual to life, liberty, property, self-ownership, and the personal pursuit of happiness.

Among the issues most commonly discussed are individuality, the rights of the individual, the limits of legitimate government, morality, history, economics, government policy, science, business, education, health care, energy, and man-made global warming evaluations. My posts are aimed at intelligent and rational individuals, whose comments are very welcome.

"No matter how vast your knowledge or how modest, it is your own mind that has to acquire it." Ayn Rand

"Observe that the 'haves' are those who have freedom, and that it is freedom that the 'have-nots' have not." Ayn Rand

"The virtue involved in helping those one loves is not 'selflessness' or 'sacrifice', but integrity." Ayn Rand

For "a human being, the question 'to be or not to be,' is the question 'to think or not to think.'" Ayn Rand

03 September 2013

Soaking Smaller Businesses under Mandated Workers Compensation Insurance

My small laboratory operation with three employees, counting myself, is forced to pay $69 a year for Terrorism Insurance to The Hartford as part of our mandated Workers Compensation and Employers Liability Insurance. This is a ridiculous charge for insurance for a small company located in Columbia, Maryland. We are hardly a target for terrorists.

What is more important yet, my actual payroll was multiplied by a factor of 1.74 to arrive at the payroll basis they use for charging for all aspects of the workers compensation insurance. It turns out that the state of Maryland requires insurers offering workers compensation insurance to treat all officers of the company as having a minimum salary even if they actually have a smaller salary. This is a clearly discriminatory act against very small companies and is of the nature of piling onto them when times are hard. What I would give to be able to pay myself and my partner what the state claims we must have for our insurance premium basis!

Of course, I would not be surprised if the state of Maryland does not have this discriminatory requirement in part at the insistence of the insurers. It is a curious thing that the upper salary used for the insurance basis is also set by the state of Maryland. An executive making more than $197,600 is only counted as $197,600 to calculate the premium. Chalk up another advantage for larger companies to make it a bit harder for smaller companies to compete.

This piling on process is similar to the state raising the rate for unemployment insurance on a company that has kept all of its employees while other companies are letting theirs go. When unemployment claims go up, our rate goes up to cover the state's increased costs. No one ever worries about our increased costs in hard times. This never-ending Great Socialist Recession sure is a one-of-a-kind such hard time.

Governments cause horrible, long-lasting recessions and then they increase taxes on those companies trying to survive the chaos and destruction caused by governments. Of course, if you are a big company or you have pull with government, then you can gather up subsidies,
be the beneficiary of mandates, and earn exemptions.

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Tyranny Exercised for the Good of its Victims

“Of all tyrannies, a tyranny sincerely exercised for the good of its victims may be the most oppressive. It would be better to live under robber barons than under omnipotent moral busybodies. The robber baron's cruelty may sometimes sleep, his cupidity may at some point be satiated; but those who torment us for our own good will torment us without end for they do so with the approval of their own conscience. They may be more likely to go to Heaven yet at the same time likelier to make a Hell of earth. This very kindness stings with intolerable insult. To be ‘cured’ against one's will and cured of states which we may not regard as disease is to be put on a level of those who have not yet reached the age of reason or those who never will; to be classed with infants, imbeciles, and domestic animals.” C. S. Lewis

Democracy is Tyranny

James Madison: In a pure democracy "there is nothing to check the inducement to sacrifice the weaker party or the obnoxious individual."

John Adams: "You have rights antecedent to all earthy governments; rights that cannot be repealed or restrained by human laws;...."

Thomas Paine: "A democracy is the vilest form of Government there is."

John Adams: "Remember, democracy never lasts long. It soon wastes, exhausts, and murders itself. There was never a democracy yet that did not commit suicide."

This is why our government is a Republic and not a democracy.

Charles R. Anderson

"Government is legitimate only to the extent that it protects the exercise of everyone's broad, many, and sovereign individual rights. Such limited-purpose government, often called Capitalism, is the only government system which allows individuals to make their own moral choices and live their lives in accordance with their choices. Capitalism minimizes the use of force and maximizes the freedom of cooperation and association within a society. It is in such a society that a rational man chooses to live and produce."

Ayn Rand on Theft, Murder, and Collectivism

Dr. Edwin Lewis, A First Book in Writing English

"To gain new words and new ideas, the student must compel himself to read slowly. Impatient to hurry on and learn how the tale or poem ends, many a youth is accustomed to read so rapidly as to miss the best part of what the author is trying to say. Thoughts cannot be read so rapidly as words. To get at the thoughts and really to retain the valuable expressions, the student must scrutinize and ponder as he reads. Each word must be thoroughly understood; its exact value in the given sentence must be grasped."

A high school textbook for freshmen and sophomores used around 1900.

James Madison

"Since the general civilization of mankind, I believe there are more instances of the abridgment of the freedom of the people, by gradual and silent ancroachments of those in power, than by violent and sudden usurpations: but, on a candid examination of history, we shall find that turbulence, violence, and abuse of power, by the majority trampling on the rights of the minority have produced factions and commotions, which, in republics, have more frequently than any other cause, produced despotism."

Thomas Jefferson on Truth

"Truth is great and will prevail if left to herself; that she is the proper and sufficient antagonist to error, and has nothing to fear from the conflict, unless by human interposition disarmed of her natural weapons, free argument and debate; errors ceasing to be dangerous when it is permitted freely to contradict them."

"Fix reason firmly in her seat, and call to her tribunal every fact, every opinion. Question with boldness even the existence of a god; because, if there be one, he must more approve of the homage of reason, than that of blindfolded fear."

Dr. Thomas Sowell is Retiring

"Socialism in general has a record of failure so blatant that only an intellectual could ignore or evade it."

"The real minimum wage is zero."

"The most basic question is not what is best, but who shall decide what is best."

"People who have time on their hands will inevitably waste the time of people who have work to do."

"The welfare state is not really about the welfare of the masses, it is about the egos of the elites."

"If you are not prepared to use force to defend civilization, then be prepared to accept barbarism."

Hillary Clinton on Job Creation

"Don't let anybody tell you that, you know, its corporations and businesses that create jobs."

Socialists never want anyone to credit individuals with a productive purpose as the source of their jobs. When the government piles on such heavy taxes and regulations as to prevent job formation, they are always trying to misdirect the people's attention. Hillary has been vigorous in promising more taxes and more major regulations which will make the Obama record of 0.5% annual increases in real per capita GDP look good in comparison.

Ayn Rand

"The number of its adherents is irrelevant to the truth or falsehood of an idea. A majority is as fallible as a minority or as an individual man. A majority vote is not an epistemological validation of an idea." ... "it is important to note the epistemological significance of a free society. In a free society, the pursuit of truth is protected by the free access of any individual to any field of endeavor he may choose to enter." ... "This prevents the formation of any coercive "elite" in any profession -- it prevents the legalized enforcement of a "monopoly on truth" by any gang of power seekers -- it protects the free market place of ideas -- it keeps all doors open to man's inquiring mind."

The catastrophic man-made global warming hypothesis is no exception to these general truths about the right of every individual to examine and evaluate any idea.

UN Agenda 21, Principle 15

"In order to protect the environment, the precautionary approach shall be widely applied by States according to their capabilities. Where there are threats of serious or irreversible damage, lack of full scientific certainty shall not be used as a reason for postponing cost-effective measures to prevent environmental degradation."

The real operating principle: Neither shall total lack of scientific certainty delay taking action with catastrophic economic effects if one can imagine some environmental degradation.

Dr. Thomas Sowell

"If you have always believed that everyone should play by the same rules and be judged by the same standards, that would have gotten you labeled a radical 60 years ago, a liberal 30 years ago and a racist today."

"What 'multiculturalism' boils down to is that you can praise any culture in the world except Western culture -- and you cannot blame any culture in the world except Western culture."

"It is so easy to be wrong -- and to persist in being wrong -- when the costs of being wrong are paid by others."

"Intellectuals have trouble remembering that they are not God."

Saul Alinsky

"To say that corrupt means corrupt the ends is to believe in the immaculate conception of ends and principles. The real arena is corrupt and bloody. Life is a corrupting process from the time a child learns to play his mother off against his father in the politics of when to go to bed; he who fears corruption fears life."

It is good to understand what the nihilists think, especially since such politicians as Obama and Hillary admire this man and use his principles for damaging the private sector and Capitalism.

Ronald Reagan

"If no one among us is capable of governing himself, then who among us has the capacity to govern someone else?"

A democratic society that needs a much-controlling government to manage the affairs of its People has a People so lacking in character and ability that there is no hope the People can democratically elect leaders of good character and adequate capability. That society is doomed by a self-contradiction. The escape from doom is the development in the People of such character and ability that they shun a much-controlling government.

Frederic Bastiat on the Law

"It has been used to destroy its own objective. It has been applied to annihilating the justice that it was supposed to maintain; to limiting and destroying rights which its real purpose was to respect. The law has placed the collective force at the disposal of the unscrupulous who wish, without risk, to exploit the person, liberty, and property of others. It has converted plunder into a right, in order to protect plunder. And it has converted lawful defense into a crime, in order to punish lawful defense.”

Louis L'Amour in High Lonesome

"Folks talk a lot about the maternal feeling in women, but they say nothing about man's need to protect and care for someone; yet the one feeling is as basic as the other."

"Nor were they free of the images their own minds held of themselves. The man on horseback, the lone-riding man, the lone-thinking man, possessed an image of himself that was in part his own, in part a piece of all the dime novels he had read, for no man is free of the image his literature imposes on him. And the dime novel made the western hero a knight-errant, a man on horseback rescuing the weak and helpless."

Dr. Thomas Sowell

"Today one can literally go from kindergarten to becoming a graduate student seeking a Ph.D., without ever hearing a vision of the world that conflicts with the vision of the left."

"Even liberal professors can be adversely affected by the narrow groupthink that prevails. Without an opposition to keep them on their toes, they can develop sloppy habits of dismissing or even demonizing differing viewpoints, instead of practicing and teaching their students how to come to grips with opposing beliefs."

From Dry Rot in Academia

John Stuart Mill

"In this age, the mere example of nonconformity, the mere refusal to bend the knee to custom, is itself a service. Precisely because the tyranny of opinion is such as to make eccentricity a reproach, it is desirable, in order to break through that tyranny, that people should be eccentric. Eccentricity has always abounded when and where strength of character was abounded; and the amount of eccentricity in a society has generally been proportional to the amount of genius, mental vigour, and moral courage which it contained. That so few now dare to be eccentric, marks the chief danger of the time."

Robert Tracinski

"The way we view the naked human body reflects our view of human nature itself. We portray our bodies in ways that are crude or refined depending on whether we view our souls as crude or refined. And we do the same with the sensuality and the sexual capacity of our bodies. We can view sex and the nude body as a dangerous temptation that draws us away from higher ideals and down into the muck—or we can make it part of those higher ideals. We can make it an expression of a wider lust for life, an expression of the same spirit of aspiration that drives all of our other achievements."

Frederic Bastiat

"When plunder becomes a way of life for a group of men living together in society, they create for themselves in the course of time a legal system that authorizes it and a moral code that glorifies it."

"But how is this legal plunder to be to be identified? Quite simply. See if the law takes from some persons what belongs to them, and gives it to other persons to whom it does not belong. See if the law benefits one citizen at the expense of another by doing what the citizen himself cannot do without committing a crime."

Samuel Adams

"The liberties of our country, the freedom of our civil Constitution, are worth defending against all hazards: And it is our duty to defend them against all attacks."

The Constitution itself remains a strong defense of our individual rights, but those who want power over our lives have long claimed ridiculous interpretations of the powers it grants to the federal government which they have cemented in irrational precedents. Time after time, the fact that our individual rights are broad and must allow each of us to manage our own lives while we pursue our own chosen values, so long as we do not violate the equal rights of others, is a context ignored.

John C. Goodman

"Closing Off Consumption Opportunities. Just as low-income individuals in their role as producers are increasing[ly] regulated out of income earning opportunities, in their role as consumers they are increasingly regulated out of the market for essential services. In addition to education and housing, they have been regulated out of the market for medical care, transportation and even police protection. For all these essential services, the wealthy turn to the private marketplace. They even employ police officers as off-duty, private guards for their gated communities. The poor are left with public housing, public schools, public transportation, government-provided health care, etc.

The well-off get all the benefits of capitalism. The poor are left with socialism."

Prof. Walter E. Williams

Obama

“When what you’re doing doesn’t work for 50 years, it’s time to try something new.” 2015 State of the Union Address

So, we should ditch Big Government, government health care, The War on Poverty, The War on Drugs, Social Security, the Federal Reserve, government-run education, the Davis-Bacon Act, the Merchant Marine Act of 1920 (the Jones Act), and all expansionist interpretations of the Interstate Commerce and the Taxation Clauses of the Constitution upon this Obama Principle of Failure.

Louis L'Amour

"when in doubt, sit down and think. It is only the mind of man that has lifted him above the animals." Evie's Dad

"If he starts anything with me I'll just cloud up and rain all over him." Conagher

"You better ride out of here, Staples. An' leave that gun alone. You ain't fit to handle one. And don't you cross my trail again. I don't like bein' braced by no tin-horn." Conagher

"To be a man was to be responsible. It was as simple as that. To be a man was to build something, to try to make the world about him a bit easier to live in for himself and those who followed." Conagher

"it was the man who planted a tree, dug a well, or graded a road who mattered."

"Conagher had worked too hard too many times to like a thief or a vandal who would steal or destroy the efforts of other men."

A Collapsing Predation, a Plea for Salvation

"These are just plain, ordinary people, Mr. Galt, " said Chick Morrison in a tone intended to project their abject humility. "They can't tell you what to do. They wouldn't know. They're merely begging you. They may be weak, helpless, blind, ignorant. But you, who are so intelligent and strong, can't you take pity on them? Can't you help them?"
"By dropping my intelligence and following their blindness?"
"They may be wrong, but they don't know any better!"
"But I, who do, should obey them?"

From Atlas Shrugged by Ayn Rand

James Madison on Laws

"It will be of little avail to the people ... if the laws be so voluminous that they cannot be read, or so incoherent that they cannot be understood."

Yet this is exactly the sorry state of law in America today. Even the legislators whose full-time job is to make laws cannot read them before voting on them. How can it even be imagined that a small businessman can know the law and the voluminous regulations applied most especially and most vigorously to commercial endeavors? It cannot be so imagined, which makes it clear that the intent is to make every businessman a criminal precariously dependent upon the goodwill of those with power in the government.

William S. Knudsen

Bastiat on Socialism

James Madison

Property is "every thing to which a man may attach a value and have a right; and which leaves to every one else the like advantage."

"He has a property very dear to him in the safety and liberty of his person. He has equal property in the free use of his faculties and free choice of the objects on which to employ them."

"Government is instituted to protect property of every sort; as well that which lies in the various rights of individuals, as that which the term particularly expresses. This being the end of government, that alone is a just government, which impartially secures to every man, whatever is his own."

"That is not a just government, nor is property secure under it, where arbitrary restrictions, exemptions, and monopolies deny to part of its citizens that free use of their faculties, and free choice of their occupations, which not only constitute their property in the general sense of the word; but are the means of acquiring property so called."

"If there be a government then which prides itself in maintaining the inviolability of property: which provides that none shall be taken directly even for public use without indemnification to the owner, and yet directly violates the property which individuals have in their opinions, their religion, their persons, and their faculties; nay more, which indirectly violates their property, in their actual possessions, in the labor that acquires their daily subsistence, and in the hallowed remnant of time which ought to relieve their fatigues and soothe their cares, ... such a government is not a pattern for the United States."

[Yet such a property violating government we now have.]

Andrew Jackson

"Distinctions in society will always exist under every just government. Equality of talents, of education, or of wealth can not be produced by human institutions. In the full enjoyment of the gifts of Heaven and the fruits of superior industry, economy, and virtue, every man is equally entitled to protection by law; but when the laws undertake to add to these natural and just advantages artificial distinctions, to grant titles, gratuities, and exclusive privileges, to make the rich richer and the potent more powerful, the humble members of society -- the farmers, mechanics, and laborers -- who have neither the time nor the means of securing like favors to themselves, have a right to complain of the injustice of their Government .... If it would confine itself to equal protection, and, as Heaven does its rains, shower its favors alike on the high and the low, the rich and the poor, [government] would be an unqualified blessing."

Jay Leno

"The White House admitted President Obama’s chief of staff had advance warning that the IRS was targeting conservative groups. President Obama says the first time he heard about the IRS and AP scandals was from the media. See, that’s why President Obama holds press conferences. It’s not to explain what’s going on. It’s to find out what’s going on."

Government is too big to be well-managed even by a competent manager. It is now apparent what happens when the chief executive is incompetent, but is convinced he is the chief Progressive Elitist.

James I, King of Great Britain

"The state of monarchy is the supremest thing upon earth, for kings are not only God's lieutenants upon earth and sit upon God's throne, but even by God himself they are called gods."

There is historical precedent for the level of hubris of the Progressive Elitist rulers of our time. Just as James I tried to rule independently of Parliament with a claim of god-like knowledge, so does Obama rule independently of our Congress, secure in the belief that he too has a god-like knowledge of what is best for the People.

Jean Jacques Burlamaqui

"Natural liberty is the right, which nature gives to all mankind, of disposing of their persons and property, after the manner they judge most convenient to their happiness, on condition of their acting within the limits of the law of nature, and their not abusing it to the prejudice of their fellow men. To this right of liberty there is a reciprocal obligation corresponding, by which the law of nature binds all mankind to respect the liberty of other men, and not to disturb them in the use they make of it, so long as they do not abuse it."

Ayn Rand: Philosophical Detection

What objectivity and the study of philosophy require is not an "open mind", but an active mind -- a mind able and eagerly willing to examine ideas, but to examine them critically. An active mind does not grant equal status to truth and falsehood; it does not remain floating forever in a stagnant vacuum of neutrality and uncertainty; by assuming the responsibility of judgment, it reaches firm convictions and holds to them. Since it is able to prove its convictions, an active mind achieves an unassailable certainty in confrontations with assailants -- a certainty untainted by spots of blind faith, approximation, evasion and fear.

If you keep an active mind, you will discover (assuming that you started with common-sense rationality) that every challenge you examine will strengthen your convictions, that the conscious, reasoned rejection of false theories will help you to clarify and amplify the true ones, that your ideological enemies will make you invulnerable by providing countless demonstrations of their own impotence.

Howard Roark at his trial:

"I came here to say that I do not recognize anyone's right to one minute of my life. Nor to any part of my energy. Nor to any achievement of mine. No matter who makes the claim, how large their number or how great their need." .....

"I wished to come and say that the integrity of a man's creative work is of greater importance than any charitable endeavor. Those of you who do not understand this are the men who're destroying the world." ...

"I recognize no obligations toward men except one: to respect their freedom and to take no part in a slave society."

In the name of the best within you,

do not sacrifice this world to those who are its worst. In the name of the values that keep you alive, do not let your vision of man be distorted by the ugly, the cowardly, the mindless in those who have never achieved his title. Do not lose your knowledge that man's proper estate is an upright posture, an intransigent mind and a step that travels unlimited roads. Do not let your fire go out, spark by irreplaceable spark, in the hopeless swamps of the approximate, the not-quite, the not-yet, the not-at-all. Do not let the hero in your soul perish, in lonely frustration for the life you deserved, but have never been able to reach. Check your road and the nature of your battle. The world you desired can be won, it exists, it is real, it is possible, it's yours.

But to win it requires your total dedication and a total break with the world of your past, with the doctrine that man is a sacrificial animal who exists for the pleasure of others. Fight for the value of your person. Fight for the virtue of your pride. Fight for the essence of that which is man: for his sovereign rational mind. Fight with the radiant certainty and the absolute rectitude of knowing that yours is the Morality of Life and that yours is the battle for any achievement, any value, and grandeur, any goodness, any joy that has ever existed on this earth.

John Galt in Atlas Shrugged by Ayn Rand

Who is John Galt?

From John Galt's Speech to Americans in Atlas Shrugged by Ayn Rand:

"I am the man who loves his life. I am the man who does not sacrifice his love or his values."

"Man's mind is his basic tool of survival. Life is given to him, survival is not. His body is given to him, its sustenance is not. His mind is given to him, its content is not. To remain alive, he must act, and before he can act, he must know the nature and purpose of his action."

"But to think is an act of choice." ..... "In any hour and issue of your life, you are free to think or to evade that effort. But you are not free to escape from your nature, from the fact that reason is your means of survival -- so that for you, who are a human being, the question 'to be or not to be" is the question 'to think or not to think.'

"A being of volitional consciousness has no automatic course of behavior. He needs a code of values to guide his actions. 'Value' is that which one acts to gain and keep, 'virtue' is the action by which one gains and keeps it. 'Value' presupposes an answer to the question: of value to whom and for what? 'Value' presupposes a standard, a purpose and the necessity of action in the face of an alternative. Where there are no alternatives, no values are possible."

"There is only one fundamental alternative in the universe: existence or non-existence -- and it pertains to a single class of entities: to living organisms."

"Man has been called a rational being, but rationality is a matter of choice -- and the alternative his nature offers is: rational being or suicidal animal. Man has to be man -- by choice; he has to hold his life as a value -- by choice; he has to learn to sustain it -- by choice; he has to discover the values it requires and practice his virtues -- by choice."

"A code of values accepted by choice is a code of morality."

"Man's life is the standard of morality, but your own life is its purpose. If existence on earth is your goal, you must choose your actions and values by the standard of that which is proper to man -- for the purpose of preserving, fulfilling and enjoying the irreplaceable value which is your life."

"Happiness is the successful state of life, pain is an agent of death. Happiness is that state of consciousness which proceeds from the achievement of one's values. A morality that dares to tell you to find happiness in the renunciation of your happiness -- to value the failure of your values -- is an insolent negation of morality. A doctrine that gives you, as an ideal, the role of sacrificial animal seeking slaughter on the altar of others, is giving you death as your standard. By the grace of reality and the nature of life, man -- every man -- is an end in himself, he exists for his own sake, and the achievement of his own happiness is his highest moral purpose."

Thus said John Galt, or shall we say Ayn Rand, the great novelist, philosopher, moralist, and Capitalism's greatest moral defender. The quoted sections above are an abridgment of John Galt's speech in the novel Atlas Shrugged. Between the quotes, no changes were made.

An Objectivist Individualist

03 September 2013

Soaking Smaller Businesses under Mandated Workers Compensation Insurance

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