Help Send Richard to Congress to Fight for You!

Please support my campaign if you can contribute any money!

I am putting in lots of my own money to get the word out and support our Democratic clubs, but I need more for door hang tags, signs, shirts, banners, buttons, & more.

Here are some things I’ve paid for already:

1/02/2020: $20.00 to join Southwest Volusia Democratic Club
1/08/2020: $25.00 to join Port Orange Democratic Club
1/08/2020: $45.00 for Lake County Democratic Party Winter Breakfast on 1/25/2020
1/10/2020: $162.40 for Mary McLeod Bethune gala in Deltona on 1/17/2020
1/21/2020: $25.00 to join Northeast Volusia Democratic Club
1/23/2020: $25.00 to join Northwest Volusia Democratic Club
2/12/2020: $15.00 to join Volusia LGBTQ+ Caucus
2/13/2020: $25.00 to join Ormond Beach Democratic Club
2/18/2020: $100.00 for Black and Blue gala in Daytona Beach on 2/29/2020
2/20/2020: $20.00 to join Volusia Young Democrats
Banners × 2: $64.23 to Vista Print
Business cards × 3,000: $63.87 to Staples
Various mileage for driving to events
Various printing of materials at home

Please pitch in if you can! Even a small contribution helps.

Donate to Richard Thripp's Campaign

#FL6 #FL06 #BlueWave #MedicareForAll

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Why Vote for Richard Thripp?

Here are a few reasons to vote for Richard Thripp on 8/18/2020 (Democratic primary) and 11/03/2020 (general election) for Florida’s 6th Congressional district (Volusia, Flagler, and parts of St. Johns and Lake counties), or by mail or early voting:

Photo of Richard Thripp

✔ Will fight for the Green New Deal to make better technologies cheap via scale
✔ Will fight for Bernie Sanders’s Medicare for All to help all Americans
✔ Won’t cut Social Security
✔ A check on Donald Trump and the lawless Republicans
✔ Unlike other candidates, born in Daytona Beach and has always lived in the district
✔ Supports ending war and knows there is nothing to win in the Middle East
✔ Accomplished college instructor and financial educator who values education
✔ Will fight vested interests on the climate crisis to save Florida’s future
✔ Will expand the IRS with the resources to collect from high earners and big business
✔ Will not dial for dollars or be bought and paid for by anyone
✔ Will fight against corporate welfare, subsidies, and giveaways to the rich
✔ Constituent-focused and will open a district office in mid-town Daytona Beach

My Republican opponent:

✘ Has the “guts” to slash Social Security and Medicare
✘ Donald Trump’s favorite Congressman
✘ Supports endless and costly militarism in the Middle East and beyond
✘ Indebted to special interests and corporate donors such as NASCAR
✘ Lives in a different Congressional district
✘ Spews falsehoods about the “socialism” bogeyman
✘ Supports corporate welfare and giveaways to the rich (Tax Cuts and Jobs Act)
✘ Opposes women’s healthcare and choice
✘ Against expanding Medicaid and wants to repeal Obamacare

Download a printable PDF of the above list.

Richard Thripp logo, alternate version

Visit or mail your campaign contribution to:
Richard Thripp for Congress
ORANGE CITY FL 32763-6014

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On Bernie Sanders’s Tax Plan vs. France’s Failed 75% Income Tax Bracket

A brief rebuttal to Jon Hartley’s article in Forbes about France’s failed 75% income tax bracket for income above $1 million Euros per year, in respect to Bernie Sanders’s proposed tax brackets and 4% Medicare for All income tax.

Well, we’re talking about 56% as the top marginal rate under Sanders’s plan at a much higher income ($20 million and above married), plus state income tax if any… California’s top bracket is 12.3% so that’s 68.3% combined. Other states have lower or no state income tax like Florida. The author of that Forbes piece is “a Republican economic-policy adviser” who writes for National Review. He even cites experts who say the correct tax rate is 50–65% to avoid capital flight in Europe, which is much higher than present U.S. top rates, and don’t forget that the wealthy tend to have a lot of income from capital gains that they can time disbursement of at their discretion.

Of course there are some prominent New Yorkers moving to Florida purportedly to escape taxes, but these are the people whose businesses are typically mobile and allow that. California is known for high taxes yet so many wealthy individuals and corporations are still based there. Why?

Endorsing Medicare for All

I’ve decided to endorse Medicare for All. Previously, I had said Medicare for All was the eventual goal but unrealistic, and that we should go for expanding Obamacare and Medicaid at the moment. I’ve decided this is misguided, because half measures really don’t inspire people or produce the sort of systemic reform we need.

I will write more about specifics later, but there are several versions of Medicare for All and the version I am endorsing is Bernie Sanders’s, which involves the government as a single payer, elimination of private health insurance, and coverage for long-term care. It is an improvement over existing Medicare even for existing Medicare recipients due to the elimination of costs to individual Americans. (Elective procedures like cosmetic surgery and orthodontics will still not be covered.)

Medicare for All will make Americans more prosperous and entrepreneurial. They won’t be tied to jobs they hate for insurance. It’s an investment in our people.

What we have now is basically American carnage, with many Americans being forgotten when it comes to medical care. Our president talks about putting America first. We need to put Americans first, when it comes to their health and wellness. Too many Americans are dying of preventable causes due to lack of funds for healthcare.

People will ask—how will you pay for it? Well, how are Americans paying for medical care now? In nearly half of personal bankruptcies, medical bills are a factor, if not THE main factor that caused the bankruptcy. Hospitals have “chargemaster” pricing for the uninsured, at ridiculously inflated prices meant to make up for the huge proportion of patients who never pay their bills. Patients often end up having to pay huge sums even with insurance, due to high co-pays, co-insurance, and deductibles; being denied a claim; or inadvertently serviced by an out-of-network provider.

The whole system of health insurance and multiple overlapping bureaucracies in both the government and private sectors is ridiculous. Do you hear the sucking sound? That’s our healthcare systems’ parasitic effect on the economy. I’m not saying individual workers within this system are bad, but just that their overall industry’s contribution to Americans’ prosperity is in the red.

The idea that government should not be involved is a ship that has long sailed. Many government programs such as Social Security have much lower overhead than most private-sector bureaucracies. The U.S. government and state governments are already highly experienced and have the systems in place to administer healthcare at a large scale via the existing Medicare, VA, and Medicaid programs. The infrastructure is already there. We just need to build upon it.

The average American spends somewhere around $10,000 a year on health expenses and a great deal of paperwork and stress is also involved. We will raise taxes and improve enforcement of existing tax laws on the top 1%, but we can also raise taxes on the middle class (and must do so). In fact, this will reduce the vast majority of Americans’ expenses.

Retirement will be transformed. Now, people have to worry about saving large sums of money and buying expensive annuity or long-term care insurance plans for retirement. Americans’ burdens will be greatly reduced when surprise health issues and sky-high costs are no longer an issue that must be financially planned for.

Pension plans already rely on collective pooling of risk to better all participants. Insurance does too. You have car insurance, which provides a negative return to you (on average) but compensates for the financial risk of a catastrophic loss you cannot afford. With Medicare for All, like with Social Security, we can pool this risk across society with better-than-normal returns as compared to each individual having to navigate a complicated and adversarial insurance system.

Some people blame others for their healthcare expenses. The fact is that many people have healthcare problems through no fault of their own that are quite expensive and unpleasant. The idea that we cannot provide healthcare for all in the most successful, profitable, and industrious nation this world has ever seen, is ludicrous. I hope you will join me in supporting Medicare for All Americans.

On the Florida Felon Voting 2/19/2020 Federal Court Decision, and Parallels in College Transcripts

This is an email I wrote regarding Florida felon voting enfranchisement and money owed.

February 20, 2020

Hi everyone,

I think this is an excellent quote from the recent Federal court ruling on Florida’s constitutional felon voting enfranchisement amendment and against disenfranchisement for not having paid legal financial obligations, on page 27:

The problem with the incentive–collections theory is that it relies on the notion that the destitute would only, with the prospect of being able to vote, begin to scratch and claw for every penny, ignoring the far more powerful incentives that already exist for them—like putting food on the table, a roof over their heads, and clothes on their backs. The simple truth is that a collection-based rationale for those who genuinely cannot pay, and who offer no immediate prospects of being able to do so, erects a barrier “without delivering any money at all.”

This is a victory, but I think it applies only to the 17 plaintiffs so it remains to be seen what will happen more broadly, and Governor DeSantis and Secretary Lee will keep fighting.

Note that the case is based on wealth discrimination, not racial discrimination, and case law says that discriminatory intent does not need to be proved when it comes to wealth discrimination, but rather the actual observed outcomes are what matter. This is something I think should be broadly implemented regarding finance, insurance, investing, and other money-related matters, and has begun to hold weight with the Financial Industry Regulatory Authority and government agencies. For instance, if the majority of consumers are misled by a particular contract or financial product based on its wording, presentation, fine print, et cetera, and fail to comprehend it and/or fail to act in their own best interests, then that should be grounds for laws or regulations requiring that it be presented more clearly, rather than the alternative of blaming the consumer and deeming him or her lackadaisical or foolish (Willis, 2017).

The Trump cheerleaders and propagandists are in full swing in comment sections on social media and news websites talking about how unfair it is to victims that they will supposedly not be getting their restitution now that felons allegedly have no incentive to pay, as well as other half-baked ideas and mistruths about one’s debt to society, Democrats being the party of criminals and con artists, and claiming it should be as clear as daylight that one has not completed their sentence unless they are 100% paid up. Obviously, the group of people that actually reads court cases or articles and the group of people who post comments on said articles do not have much overlap. None of the critics acknowledge that one can be on a payment plan and not behind on payments, or that the amount owed can be insurmountable, stretching on for years or longer. I wonder if these same commentators would agree that no one should be allowed to live in a house while they are paying the mortgage?

I think there are parallels between the legal financial obligations interpretation of Florida’s constitutional amendment and the standard practice of colleges and universities refusing to release transcripts unless all debts are paid, down to something as small as a dental cleaning or parking ticket, or for being delinquent on student loans. There are also parallels with punitive fines against homeowners for code violations, resulting in liens that disincentive moving or selling a house (because all of the proceeds would go toward the liens) and no incentive to remedy the piles of junk in the yard, tall grass and weeds, or other deficiencies. Dunedin, Florida is known for this and has recently been advised by consultants to cap and scale back their fines. However, whereas cities and institutions of higher education are incentivized to behave this way to increase collections, I think it is plainly clear that this interpretation of Florida’s constitutional amendment, which was promulgated by Republicans, is not about revenue at all, but rather partisan voter suppression.

We are also fighting the 1951 ballot order law which was then supported by Democrats when Florida was a blue state, but now disadvantages Democrats who are only listed first on ballots if they control the governorship. Of course, DeSantis won narrowly and arguably via voter suppression. Les Thackston and Patrick Henry can tell you about the 2–3 hour lines at majority-Democratic precincts in Daytona Beach in the 2018 election, which were not seen previously in these precincts nor in majority-Republican precincts. Sadly, DeSantis’s victory has a cascading effect for both the 2020 and 2022 elections advantaging Republicans, as ballot order may be responsible for as much as a 1% advantage to those listed first, and this could even swing the Presidential election for Trump.

Richard Thripp, Ph.D.
Democratic Candidate for U.S. Congress (FL-06)
Adjunct Faculty, University of Central Florida