30% of Middle Class Face Increased Taxes

The Tax Policy Center, a liberal-leaning project of the Brooking Institute, is reporting that Biden’s tax hikes will hit the middle class hardest while abetting the superrich in avoiding taxation.  So what’s new. This is always what politicians do; promise one thing and do the polar opposite.

Biden’s tax proposals are some of the most extensive tax increases we will experience.  While his tax increases have been promoted as targeting the superrich as well as corporations, a quick peek behind the political puffery reveals the cold hard facts. This administration intends to increase the federal government coffers at the expense of the middle class while giving a tax break to the superrich and the mega-corporations.

The former administration, stimulated more corporate tax revenue by lowering taxes which resulted in more taxes being collected in 2021 from corporations, about 25% more in fact, than any time since 2017.  The rebounding economy stimulated by these lower corporate tax rates ended up boosting personal income as well, so personal income tax collections soared to an all-time high as well…$2.052 trillion, to be exact.

The progressive ideology of increasing tax rates for corporations never benefits the middle class.  It only forces those taxes which must be paid by corporations onto others.  Numerous studies have confirmed that 50-70% of the tax corporations do pay is borne by the workers employed in those corporations, while the rest is passed onto the stockholders of those corporations. In other words, corporations DON’T PAY TAXES!

R. Nelson Nash, the author of Becoming Your Own Banker, frequently mentioned this fact in his lectures on the Infinite Banking Concept. He understood that the way money flows in our economy, corporations, when structured and run logically, never pay taxes. That is one reason he encouraged everybody to become their own banker.

Bankers are mere middlemen and women who have positioned themselves to profit off every transaction that passes through them without having to use, and therefore risk, their own money. In doing so, banks (which are mega-corporations) benefit from tax deductions that everyday citizens don’t get to take advantage of.  Nash emphatically believed that bankers had conspired together with politicians, to control the flow of money in our society and therefore control society itself. After-all, everyone knows that whoever controls the money, makes the rules.

Our American experiment wasn’t meant for a few to control the masses.  America was the first country in the history of the world, which limited government power by subjecting it to the will of the people. But our representatives compromised themselves by leaping into bed with bankers and other mega-corporations, turning the American dream into a nightmare.

Today our elected representatives call themselves leaders instead of servants of the public.  Unfortunately, many people believe these corrupt politicians and bureaucrats really are our leaders.  But in reality, they are selfish tyrants who seek power and money for themselves at the expense of those who repeatedly re-elect them to hold public office.

To be sure, money isn’t the most important thing in life.  But it rates right up there with oxygen.  Even Jesus spoke more about money than he spoke about faith and prayer combined.  Learning to manage your money wisely and keeping it out of the hands of the bankers, politicians and mega-corporations, is one step towards reclaiming the American dream for yourself and your posterity.

When Jesus spoke to the multitudes on the mountain side, he said, “Do not store up for yourselves treasures on earth, where moths and vermin destroy, and where thieves break in an steal.” Today, saving money summons political moths and vermin to destroy what you have saved with their inflationary monetary policy.   The dollar in your pocket today was worth 64% more just 21 years ago because of all the moths and vermin who have set monetary policy that has destroyed the value of that dollar. And the thieves who have been elected to represent us in government profit from our hard work by raising taxes instead of wisely creating government policy which encourages commerce and production, the very things which inherently floats all the boats in the harbor equally.

Taking back the God given obligation to become your own banker, i.e., the managing and controlling of your own money instead of allowing those who have compromised themselves, is a good start in salvaging the American dream. Like-minded people, pooling their financial resources together in order to have the leverage to fight against these tyrants, provides a tool which has been lost to the majority of “we the people”.

Mutually held life insurance companies, still retain certain privileges which were common prior to the big orgy the politicians, bankers and mega-corporations prearranged for themselves.  Those who understand how these privileges work are building sustainable wealth in spite of how the tax code is adjusted or the inflationary monetary policy is dictated. 

It all comes down to taking back the personal responsibility of managing one’s own affairs so that the interest paid or lost when using one’s own capital is accounted for.  Bankers have become extremely wealthy, placing themselves smack dab in the middle of this equation. But you can minimize the effects they have on your own life by learning to keep more of what you make and leveraging it to return to you along with the interest you would have lost otherwise.  Oh, and by the way, you will learn to accomplish this while keeping what you used your money to purchase in the first place.  The good news, is you can protect yourself from the 30% increase in taxes which are being planned for the middle class, even as you read this blog.

Dr. Tomas McFie

Dr. Tomas McFie is a retired physician. As the founder of Life Benefits, he currently works in the financial industry exposing the fallacies of typical financial planning and helping clients keep more of the money they make with a formula that creates financial peace of mind.


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Still Believe in Equal Rights? Don’t Trust Progressives to Fight for Them

This week, progressive congresswomen Alexandria Ocasio-Cortex stated that conservatives are using the term “wokeness” as a means to distract progressives from pursuing racial justice.  This is such a farse!  This is the same woman who is demanding that congress pass the Build Back Better Bill, which will allow Wall Street and their cronies to keep paying lower tax rates than the racially divided class of people who AOC and her progressive colleagues say they are trying to protect and elevate economically.

It has to do with something called the “carried-interest rate, which allows individuals working in the financial industry to pay a lower tax rate.  It is a type of performance bonus, in which investment managers are paid based on the profits of their client’s portfolio each year.”  By keeping this rate a 23.8% instead of 37%, this gives the money managers a gigantic tax break compared to what others would have to pay when earning that same amount of money. This carried-interest rate was, by the way, likened by former president Donald Trump as “getting away with murder.”  Yet AOC and her faction of progressives have literally ignored this huge tax loophole which Wall Street and their cronies get to enjoy.  Even Bernie Sanders, the avowed social justice warrior, has been dubiously silent.

Funny how progressives live such a lie.  In the past Bernie has repeatedly voiced his concerns about the carried-interest rate.  Reps Cortex, Omar, Pressley, and Talib even sponsored a bill in 2019 which would have eliminated the carried-interest rate.  But today, when they have an opportunity to stop the carried-interest rate loophole once and for all, they remain silent.

In my latest book, How to Build Sustainable Wealth, I discuss how to avoid the fees which the money managers siphon off your portfolio.  Like a leech, these money managers suck the blood of their hosts while providing no significant benefits.  History has proven, time and time again, that beating the market turns out to be highly unlikely.  In fact, over the last 15 years 92.2% of the managed large cap funds performed worse than the S&P 500 Index fund.  And managed mid-cap and small cap funds performed even worse with a score of 95.4% and 93.2% respectively.  All-in-all the odds of using a managed fund to create better returns than a domestic index is 1 in 20.  This is a less than 5% chance of earning more and a 95% chance of losing more when using a money manager to manage your portfolio.

So, in reality all these progressives don’t sincerely care about the common folk in America.  They not only allow these money managers to continue charging for their less than stellar results of beating the market, and they provide them with a huge tax break on what they do collect from their poor unsuspecting clients!

The only thing which progressives seem to really be protecting is their own special rights. For example, Bernie Sanders holds stock in JP Morgan, Chase, Citigroup, Bank of America, US Bankcorp, Wells Fargo! of which he has been super critical of on the campaign trail as well as on the Senate floor.  On top of that he also holds stock in pharmaceutical companies as well as fracking companies.  What a hypocrite.

AOC, on the other hand, is on track to becoming a multi-millionaire by the time she is 45.  Not bad for a self-declared socialist who claims to be representing the racially oppressed.  It still fascinates anybody who is really paying attention, how someone can rise so rapidly to the top of the socio-economic ladder once they enter congress. And the indebtedness these same congress members believe their constituents should have for them is appalling.

Participating whole life insurance, the product money managers love to hate, is still the best way to build sustainable wealth. When like-minded people, pool their money together for greater leverage, that pool of money can provide guaranteed results while avoiding taxes and unscrupulous fees money managers charge.  Who could possibly be against doing that?  Oh yes, I forget, it must be those who do absolutely nothing about the carried-interest rate while shouting arrogantly how much they are fighting for the lower and middle classes while enriching themselves.

Phooey.  Don’t get caught up in the idea that Congress will do anything which will protect your God-given rights.  They have proven why they really hold office, and it isn’t to provide equity to anybody but themselves.

Dr. Tomas McFie

Dr. Tomas McFie is a retired physician. As the founder of Life Benefits, he currently works in the financial industry exposing the fallacies of typical financial planning and helping clients keep more of the money they make with a formula that creates financial peace of mind.


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“Elections Have Consequences”

These words were spoken by former POTUS Obama who also went on to say, “It’s the political way for winners to tell losers: Tough luck, you lost. Get over it.” Of course, elections have consequences, but you should never give up fighting for what you value and believe in.  This is the beautiful concept of Americanism, where everyone gets to participate in the process, and no one should face violent attacks merely because they have expressed differing beliefs and/or values than the majority.

Another great Americanism is something called Federalism.  Federalism keeps the central government, from dictating how individual states govern their own sovereign territory within the federal system.  This Americanism is unique to the United States and protects the rights of individuals better than in a unitary government where the central government dictates to all.

One example of how Federalism provides you greater freedom and protection is the way Life Insurance is regulated.  Each state regulates what can and can’t be sold within their territory. This provides you, as an individual, with more accessibility to a swifter resolution to any complaint or concern you may have about a claim against a carrier. This is because states can respond so much quicker than the bulky, cumbersome federal government.

One of the ways our Federalist system keeps from becoming a Unitary system of government is something which many have misunderstood and that is The Electoral College.  This group of 538 members who are nominated by the political parties in each state, match in number the total number of Senators and Representatives from each state, and the District of Columbia (Washington DC) is given three.  This group of electoral members, democratically selected by the political parties from each state or district,  are the ones who cast the actual vote in a presidential election on the Monday after the second Wednesday in December following the popular vote which has already taken place on the first Tuesday of November of the same year. 

Even in this however, our US Constitution clearly allows each state to determine how electoral members are selected and how they are required to vote.  Some states mandate that all electoral votes go to the candidate who receives the majority popular vote in that state.  Other states employ what is called a “district system” which provides even greater liberty in the process.  The important point to understand is, the states have the right to choose how they want to select and require their electoral members to vote, not the federal government.  This obviously provides each state with more freedom than a Unitary form of government possibly could.

One more important fact about the Electoral Vote.  A state electoral member cannot vote for a presidential and vice-presidential ticket where both candidates come from the same state. This keeps one state from securing more power over other states in the administrative branch of the Federal system of the government.

Electoral members have been known to break their bond to vote according to their state’s pre-determined guidelines.  Such behavior can much more quickly be held accountable at the local state level than if such unseemly behavior were to take place at the national level.   Yet another reason Federalism is a better system of government than a Unitary form of government.

Federalism protects the freedom and liberty of the people.  It inhibits the federal government from dictatorially intimidating and harassing the states and their citizens.  It also keeps the election of our president and vice president from being selected by a few individuals who could run those elected officials like a puppet on a string. 

Dr. Tomas McFie

Dr. Tomas McFie is a retired physician. As the founder of Life Benefits, he currently works in the financial industry exposing the fallacies of typical financial planning and helping clients keep more of the money they make with a formula that creates financial peace of mind.


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Liberty is precious and, when morally exercised, produces great value. Yet when liberty is exercised without moral restraint and accountability; chaos, turmoil and devastation result. 

Today many are exercising their liberty without any moral accountability.  We are witnesses to the destructive fruition this creates.  The unruliness, disruptive and boisterous behavior of those exploiting their liberty, indicates a demise of liberty instead of a respect and expansion of it.

Local government, for its part, has encouraged this oppressiveness by NOT:

  1. Establishing and enforcing laws to maintain order
  2. Protecting their citizens from threats against their person, property and speech, and
  3. Promoting the general welfare of the public over special interests

These three fundamentals are the basic role of government and are consistently provided by a morally accountable administration.  Unfortunately, laws are being established today which protect special interests, not the general welfare of the public.  Citizens are being threatened personally.  Their property is being destroyed and their speech is being squelched, distorted or labeled.  This has gone so far that entire groups of people are being accused of being “Enemies of the State” and even worse.

But this is the after-effect of a society which has lost the true meaning of Liberty.  Liberty has been redefined as “a license to do as you please”, regardless of who it hurts, what property is taken, damaged or destroyed, and who’s speech is curtailed or eliminated. 

Fortunately, there are millions of Americans who are tired of having their God given unalienable rights of “life, liberty and the pursuit of happiness,” being tossed about and quashed.  It is these true American’s that can remove the “fake” government and replace it with a government that honors and enforces the three fundamentals of what a government should be, restoring our society to one that honors everyone’s unalienable rights, not just a select few. 

We have a duty to rectify this breech of Liberty.  Vote this election!  If you love Liberty and want to keep her, vote!  If at all possible vote in person so the “fake” government can’t stall the count and disenfranchise you by postponing the outcome of this important civil duty that Liberty herself demands of you.

Dr. Tomas McFie

Dr. Tomas McFie is a retired physician. As the founder of Life Benefits, he currently works in the financial industry exposing the fallacies of typical financial planning and helping clients keep more of the money they make with a formula that creates financial peace of mind.


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history books and clock

Human Life Value: A Life Insurance Term with a Twist

history books and clock

History is something which needs to be understood lest it be repeated.  The attempt to reconstruct history is a tool used by social Progressives to manipulate others into accepting their ideas and philosophy.  This practice should be countered with the truth, on all fronts, to avoid repeating the history which has destroyed Human Life Value instead of providing upward mobility.

Social Progressives have always attempted to reconstruct history, and today is no different.  For example, social Progressives want to say it was racism which caused the founding fathers to count a slave as only 3/5th of a person instead of a full person.  Looking at the historical facts, however, one discovers it was the slave owners who wanted slaves to be counted as full persons, as it would have given slave owning states more representation in Congress.  Their purpose was NOT to acknowledge the value of their slaves’ lives as equal to their own.  

Therefore, the 3/5th value placed on the life of a slave was a compromise adopted NOT to promote slavery but to limit it.  This compromise became the foundation stone upon which abolition was established because it limited the slave holding states from dominating the house of representatives and spreading slavery to new states as they were added to the Union.  It is important to note that free blacks, both northern and southern, were counted as full citizens during this era.  Those who didn’t own slaves wanted to prevent slaves from being fully counted in any census because they knew it would spread slavery if slave owning states had more representation in the Congress. 

Of course, slavery had been forced upon the colonies by the King of England who was petitioned multiple times by the founding fathers to stop importing slaves from Africa to the colonies.  But the slave trade was too profitable for the King to listen to the colonies’ requests, and so their request was ignored much like the protests of the colonists against the taxes which were assessed upon them by the crown without any representation.  

Ultimately, the tyranny of the Crown lost Britain the colonies as the founding fathers declared independence, fought the revolutionary war and freed the colonies.  Sadly, slavery had become so engrained in certain colonies that it took a civil war to abolish slavery after the United States had freed itself from Britain’s rule. 

This pattern of becoming dependent on slave labor is being repeated today by those who take advantage of human trafficking. Evil behavior is part of human nature and is why we need to rise above human nature and embrace the founding fathers’ acknowledgement that ALL MEN are created equally.  It is only when human nature is subdued, tamed and replaced that evil attempts to use others to fulfill selfish desires is overcome.

Yet today evil is not being subdued, tamed or replaced.  Instead it is being encouraged by social Progressives who are promoting laxer immigration laws which favor human trafficking and will provide them with cheaper labor and more power in congress.  Ironically, those who favor tighter immigration laws, knowing stricter immigration laws would reduce human trafficking and lay the foundation on which freer trade and freer passage between nations could be established, are called racists. 

Unfortunately, the reason for the 3/5th value placed on the life of a slave by the founders was distorted along with many other principles upon which this great country was established.  Today we know there are those who believe black lives are inferior to white lives and vice-versa. Even more regrettably, people who hold these beliefs tend to find legitimate positions in our Progressive society, be it in science, medicine, politics, academia or some other setting.  Lyndon B. Johnson, who was known to be a bigot, became president of the United States.

A lesser-known social Progressive was the statistician, Frederick L. Hoffman.  Hoffman found his niche in the Public Health sector of American society.  Hoffman was born and educated in Germany and unfortunately, Prudential Life Insurance Company employed him as their statistician. Eventually the “Big Three” life insurance carriers, John Hancock, Metropolitan and Prudential began to use Hoffman’s Fake Science and Medical statistics to restrict the coverage and even deny black life insurance policies from being solicited.

Today’s social Progressives might impute this to imply that black Americans are not able to purchase the life insurance they need because of this blatant racism. However, the life insurance industry purged itself of Hoffman and those who practiced race-based underwriting years ago. In fact, many studies show blacks three times more likely to own life insurance than white people even though there is ample evidence to suggest that the black population in the United States is under more stress financially than the overall population.  African Americans hold significantly more life insurance than whites after accounting for other confounding factors such as income and education.

Here are the facts.  Everybody is created with equal value in the sight of God. It is human beings who place one life above another.  The founding fathers provided the opportunity for upward mobility for all lives, not because they were perfect but because they realized it is God who determines the value of each person, not some human or human institution.   “Fake Science” like Fredrick Hoffman used, or the “Fake Reasoning” which the slave owners used to rationalize the evil discrimination which they practiced upon those unlike themselves, is part of human history throughout the world.  The question remains: What are we to do today?

Today, we are witnessing the re-enactment of history:  One group of lives is being portrayed as being more valuable than another group of lives based upon outward appearances.  We see certain people demanding reparations from another group of people based merely on skin color. This is done with the assumption that a certain skin color of people is responsible for certain evils committed in history.  The problem with this demand is that those who make such demands are repeating the same mistake for which they are demanding reparations.  Instead of learning from history, they are attempting to make things morally right.  

But neither history nor the present will ever be morally right.  As humans we are all morally deficient.  It is only when humans overrule their morally deficient instincts to pursue their own self-interests by whatever legitimate means possible and treat others as they themselves would like to be treated that society really progresses.  Realize that social Progressives have highjacked the word progress, adopting it as their name.  Yet, Progressives move our society backwards with their violence, hatred, bigotry and prejudices, not forward.

This month of August is the 400th anniversary of when blacks were kidnapped from their villages by other blacks in Angola and shipped to the Americas.  Twenty of these black people ended up in Jamestown, Virginia.  Yet most of the African slaves ended up on Caribbean Plantations owned by Europeans who ironically avoided using slaves in their native Europe because of the Christian beliefs regarding slavery which dominated the continent.  Most slaves therefore did not come to the United States or the colonies.  By the time of the Civil War only 4 million black slaves were in the United States, 95% of them were in the Sothern states, even though nearly 20 million black slaves had been sold in the slave trade up until that time.  

Regrettably, slavery is far from being a piece of history. Today there are nearly 40.3 million slaves throughout the world.  They are used for prostitution, physical bondage, forced marriages, sexual exploitation and forced labor.  Most of today’s slaves are women and children.

It is time for society to wake up instead of being merely woke. We need to stop looking at the outward appearances of others and look inward. “For out of the heart comes the evil thoughts of murder, adultery, sexual immorality, theft, false testimony and slander. These are what defile a person.” We need to understand that a person cannot be rightly judged on his ancestors’ merits, otherwise we would all be guilty.

Instead of trying to reconstruct and recompense for historical evils, we should spend our time, money and effort in eliminating the evil that exists today.  There is no amount of good which can be done to remedy the past, but there are countless ways we can alter the present and make the world a better place for tomorrow.  

As black Americans overcame the racism which Hoffman introduced into the life insurance industry, and thereby became the most insured race in America, we too can redirect the hate and violence of today’s Progressives and use that energy to emancipate the 40 million plus slaves of today who are forced to do unspeakable things for the profit and pleasure of others. Doing so will create a huge legacy of upward mobility for all humans instead of the barbarian hate-fueled, guilt-laden propaganda which the socialist Progressives use to pit one group of humans against another, destroying the upward mobility of all humans beings. 

The good news is that 79% of the U.S. population still believes the U.S. was founded on ideals of freedom and equality!  Meaning we still have hope to keep American free and in doing so be the shining light on a hill which lets the rest of the world realize that upward mobility is possible for all human beings, not merely the social Progressives whose real desire is to tyrannize and dictate what the rest of the population can and can’t do.

Life is short.  Today there is still time to choose what kind of life want to have.  You can have a life fueled by hate and violence, which the social Progressives want for you to have.  Or you can decide to spend your time, effort and money on building value which provides upward mobility for everybody.  The choice is yours. But only because you are still free.

Dr. Tomas McFie

Dr. Tomas McFie is a retired physician. As the founder of Life Benefits, he currently works in the financial industry exposing the fallacies of typical financial planning and helping clients keep more of the money they make with a formula that creates financial peace of mind.


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Statistically Significant: Why It Makes a Difference

people in medical masks for protection from virus

It is always sad when people die. Why they die is often another sad story. But make no mistake, when fear and anxiety are perpetuated by those who should know better onto those who don’t know the difference between a significant fact and a fruit loop, people suffer panic needlessly. 

Unfortunately, this type of fear is too often used to serve political, social and even economic purposes. That is why you need to be fully aware of the facts, so you can avoid being manipulated by fear anytime but particularly during this pandemic.

It is interesting how the leading immunologist in the spotlight today is quick to label the positive results that are being observed and documented by those who are using Hydroxychloroquine as anecdotal, while he ambitiously pushes his social distancing theory as being scientific.  

The fact is, there have been NO double-blind placebo studies that prove his social distancing theory works.  Yet, this doesn’t keep him from repetitively labeling the Hydroxychloroquine regime of treatment anecdotal while calling his social distancing a scientific fact.  As a physician, he is aware that he is supposed to use all available means to help his patient(s).  But his irrational outspokenness on this topic leads one to believe that we are involved in an imposing social experiment rather than a true health crisis.

Here are some supporting data, reported by the Center for Disease Control (CDC), which mathematically and scientifically back up this bold hypothesis.

  • Out of 327.2 million people, there were 501,444 total deaths in the United States from January 1, through April 8th this year
  • 4,065 of those deaths were from COVID-19
  •  4,467 of those deaths were from the flu
  • 35,230 of those deaths were from pneumonia
  • 1,879 of these pneumonia cases also had COVID-19

Here we have some data that we use to calculate some scientific mathematical facts, not propaganda.

  1.  0.153% of the US population died between January 1 and April 4, 2020
  2. 0.81% of those deaths (0.001242% of the population) were due to COVID-19
  3. 0.89% of those deaths (0.001352% of the population) were due to the flu
  4. 766.67% more deaths have occurred from pneumonia than from COVID-19

Since statistics are always about probability, NOT absolute certainty, there must be a cut off rate that makes the probability of a particular statistic significant.  Scientists and mathematicians have agreed upon an acceptable cut off rate which, in this case, means there is a risk of being wrong 1 out of 5 times or 20% of the time.

With this understanding, the data from the CDC proves that the probability of:

  • Deaths due to COVID-19 are NOT significant, meaning that this many people could have died from anything and the world at large would NOT have taken notice
  • 0.81% and 0.89% are also NOT statistically significant, which is why we don’t really notice the number of people who die each year from the flu unless they were close to us, and we wouldn’t have noticed any more people dying from COVID-19 without all the media and medical hype that has surrounded this pandemic.
  • The chance of dying from non-complicated pneumonia this year (so far) is 766.67% greater than the chance of dying from COVID-19.

But we need to investigate even deeper to really understand the facts of what is going on during this pandemic. According to the CDC, 2,841,600 people died in the US in 2019.  That averages out to be 236,800 per month.  Yet only 501,444 deaths have occurred nationwide this year between January 1, 2020, to April 9. Averaging the death rate over the first 3 months of 2019, there should have been 710,400 deaths, not merely 501,444, especially since the death rate for the flu is historically highest in January, February, and March.  So, where are all the bodies from the 0.001242% deaths caused by COVID-19?

In reality, we are experiencing a lower death rate in 2020 than in previous years. This lower death rate could be a mere coincidence, but historically the scientific data documents that when doctors go on strike, or simply don’t come to work, death rates drop significantly. In fact, no study has proven that death rates decline when doctors do come to work. The point being made here is, that when doctors are not performing elective, non-emergency procedures and interventions, (basically non-essential services) death rates historically drop. But as soon as doctors come back to work and non-essential services start up again, death rates increase.  You might find it interesting that during this pandemic many doctors are being laid off.

This is a significant fact. It shows that it is highly probable that the public, and doctors themselves, tend to overestimate the affect and effects of medicine and the medical care system, while underestimating the ability of the human immune system to adapt and overcome infections, including COVID-19 infections.

For those who can remember clearly, at the beginning of this pandemic, death projections initially were modeled to be 2.2million. Those models included all the known available treatments and included the social distancing measures that are now being enforced upon all of us, and they were scary.  Yet, without even a hint of guilt or apology, those same medically modeled projections have been revised to estimate less than 61,000 deaths. This grave discrepancy is not because of science but is the result of revisionist propaganda. Science demands honesty, especially when your model or hypothesis fails. Not admitting this fact is a fraud.

As mentioned earlier, many doctors are not working currently because their non-essential services are not needed, and this is the most probable reason that the death rate is only 70.59% of what it was in 2019 (5,116.76 per day instead of 7,248.98 per day) at this same time (April 9th.)

In conclusion:

  1. Should people at risk isolate themselves and take extra precautions to avoid becoming infected?  Of course. 
  2. Would it be a good thing for us all to be more careful, wash our hands more frequently and stop touching our faces so much? Absolutely. 
  3. Must we all be treated like criminals, being locked up and arrested for playing in the park with our child while these unscientific medical models furiously fan the flames of fear and anxiety?  Statistically, it doesn’t make sense.
  4. Finally, should we continue to allow our economy to be “infected” by these unproven, hypothetical medical models merely because politicians don’t know how to interpret fact from fiction? Absolutely not!

As we have yet to reach the total death rate reported in 2019 for the same time period (January 1st and April 9th), it appears that there is something seriously wrong with the way this pandemic has been reported and handled by the medical community, the media, and the politicians. 

Pathetically, it most likely isn’t going to get better when as of April 8, 2020,  all patients with coronavirus are now being classified as “Death due to COVID-19,” regardless of the real cause of death. This draconian method of manipulating data to conform to your hypothesis is pure evil.  It allows the medical community, the media, and politicians to cover up their errors, distort their miscalculations, and falsify their reports so that they can justify even further measures that will attempt to control, manipulate, and profit from those who don’t understand the importance of “statistical significance”.

Dr. Tomas McFie

Dr. Tomas McFie is a retired physician. As the founder of Life Benefits, he currently works in the financial industry exposing the fallacies of typical financial planning and helping clients keep more of the money they make with a formula that creates financial peace of mind.


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