Marilyn Writes

Marilyn MacGruder Barnewall began her career as a journalist with the Wyoming Eagle in Cheyenne. During her 20 year banking career, she wrote extensively for The American Banker, Bank Marketing Magazine, Trust Marketing Magazine, and other major industry publications. The American Bankers Association (ABA) published Barnewall’s Profitable Private Banking: the Complete Blueprint, in 1987. She taught private banking at Colorado University for the ABA and trained private bankers in Singapore.

Sunday, October 23, 2016


By Marilyn MacGruder Barnewall
October 23, 2016


Facts, not opinions, may help undecided voters.

The debates are over. Thank God. It’s two weeks and two days until the election.

When the process began 18 months ago, American voters both Republican and Democrat, made it clear they have had enough of political corruption. Americans want change. They want a non-establishment President. At least that’s what they say.

Two groups of people are trained in debate: politicians and lawyers.

If you want a non-establishment President, you do not want a politician or a lawyer because most politicians are also lawyers, and most lawyers are taught to be politicians whether they run for office or not.

Donald Trump is neither. It’s why he’s so popular with those who understand the value of capitalism and the evils of socialism. He especially understands the lawlessness of crony-capitalism (which has replaced real capitalism in America).

Since the above statements are factual, why are people critical of Trump’s debate performance? He is not a trained debater... he hasn’t been taught to avoid direct answers to direct questions. Saying you want a non-establishment candidate who is a trained debater is like saying “I want roast beef for dinner but it must come from a chicken.”

The fact that this hugely successful businessman has defeated 15 debate-trained primary candidates and has held his own and even won against a woman who has been debating for 30 years or more attests to Trump’s intelligence and his ability to learn a totally new lifestyle quickly and well.

This is my final article before the election and I hope the following information will be helpful to voters. These are the issues and candidate positions as I understand them to be:

 If you believe it’s okay for a baby to be aborted up until the moment of birth, Hillary agrees; Donald Trump disagrees. There have been 53 million abortions in America since the Roe v. Wade Supreme Court decision making abortion legal. Abortion is not being used as a woman’s choice; it’s being used as birth control. “Choice” occurs when a woman decides whether or not to remove her panties. It is beyond that moment of “choice” pregnancy occurs.

Though Trump personally opposes abortion, he wants individual states to decide whether abortion is legal. He will appoint to the Supreme Court Justices who will help him achieve this objective.

Those who say “the health of the mother” justifies late-term abortion ignore medical reports stating the health of the mother never justifies late-term abortion because doctors say a caesarian section can be performed to save the mother. They ignore the fact that “health of the mother” has come to mean if, after nine months of pregnancy the idea of having the baby depresses the mother, it places her mental health in danger and she qualifies for a late-term abortion.

 If you want open borders– anyone can enter the U.S. (and Canada) from Mexico and Canada – Hillary agrees; Donald Trump will build a wall and strongly disagrees. As Hillary said in a Wall Street speech, she wants the entire Western Hemisphere to have open borders. It could allow up to 600 million immigrants to enter the United States.

Donald Trump says borders define a nation – and he is correct. To be accepted by the rest of the world as a nation, a “nation” must have four things in place: 1) a defined territory (borders), 2) a defined population, 3) military strength sufficient to defend the territory and the people, and it must 4) control of a system of finance that supports the people and the military. If any of those four things are missing, a mass of land with people living on it may call itself a nation but by the international definition of “nation” it is not. This creates all kinds of Treaty and trade problems, by the way. If you want a strong military, Donald Trump agrees. He would increase the size and strength of the military which the Obama Administration has weakened to World War II levels. Trump is a conservative who doesn’t want military involvement all around the world and wants payment from nations we agree to defend. It is neo-conservatism (the Bush cabal) that supports invasion accompanied by nation building.

Hillary Clinton opposes strengthening the military and would continue existing Obama administration military policies. I believe a nation is more likely to be attacked when its ability to defend itself is weak, rather than strong. History says we are safer with a strong military.

 If you want Supreme Court Justices appointed (the next President will likely appoint three or four) who support abortion, the federal takeover of education, who will make gun ownership more difficult (if not impossible), who support legislating from the bench and do not support the power of the three branches of American government (legislative, executive and judicial), Hillary is your candidate. Those who support the Constitution which gives the power of legislating to the Congress, not the Supremes and other courts, Donald Trump agrees with you.

Trump believes in the Constitution as written by the founding fathers, not as written by Supreme Court Justices who want it to reflect their personal “living” opinions. He is endorsed by the NRA and other gun owner groups. He is also endorsed by the Border Patrol, ICE, and many law enforcement groups.

 If you want illegal immigration to continue and if you want to give amnesty to illegal aliens who sneak into American unlawfully, Hillary agrees with you. She wants to let in anyone and everyone. She intends to increase the number of Middle East aliens Obama has allowed in by 550%. She is on record as supporting open borders throughout the Western Hemisphere (remember the North American Union?).

Donald Trump disagrees strongly. He does not support amnesty and would first eliminate sanctuary cities and known illegal alien criminals and then deal with the 20 million illegals who he believes take jobs from American citizens – as did Presidents Truman, Eisenhower and Hoover who sent millions of illegals home to protect American jobs. He also believes it is unfair to those trying to enter America legally by delaying their lawful entry because of so many illegals.

Trump believes the billions of dollars of Medicare funds spent annually on illegal aliens who are not citizens diminishes the level of care available to America’s retired citizens and threatens the future of both Social Security and Medicare. He is concerned about the thousands of children who enter America with no adult protection and just disappear. He is right to be concerned. More than 3 million children a year are sold into some form of slavery worldwide. Hillary says she wants to protect children but invites them to enter illegally with no adult protection... an open invitation to child traffickers.

 If you want to pay higher taxes, Hillary will help. Hillary suggests that affluent people do not pay their fair share of taxes. Statistics say that 5% of affluent Americans pay 70% of income taxes. Hillary says all of her costly new programs can be paid by increasing taxes on the very affluent. I have run those numbers and it is not true... big time untrue. Her programs will require a tax increase for the middle class.

Trump’s plan lowers taxes on all individuals as well as corporations. He supports the Reagan theory which very effectively lowered taxes and increased employment (and when employment is increased, the tax base increases because new jobs are created and income taxes that come from the new jobs increase income tax payments to Treasury).

Trump is right about the trillions of dollars that are kept offshore because of America’s high tax rates. If one looks only at the federal income tax rate, it doesn’t make America look like one of the highest taxed nations in the world, as Trump says it is. However, when you add city and state taxes, sales taxes, fees, etc., we definitely are one of the most highly taxed nations in the world.

One of the less discussed facts related to this topic is how people with money (who Hillary wants to over-tax) are the ones who create jobs. Very few poor people, few in the middle class, own growing and thriving businesses that employ people -- and 70% of America's jobs comes from independent businesses.

It takes people with access to cash flow to create jobs and Hillary Clinton’s stand on this subject is dangerous. Sweden found out the hard way what happens when you over-tax the rich. They leave the country and take their money with them. Her plans will cost more jobs and generate less funding for the Treasury Department – which she relies on to pay for “shovel ready infrastructure jobs” she wants to create and to pay for with tax dollars. If you support education programs like Common Core and No Child Left Behind, Hillary agrees with you. She believes government should be actively involved in running the public school system and does not believe in school choice or charter schools.

Donald Trump will get rid of Common Core, favors school choice, and believes states and local school boards should choose all subjects taught to their children. The public school system has become largely unionized and appears to serve union bosses with political agendas rather than the educational needs of students. They are strong Hillary supporters.

 To generate taxes for the Treasury, jobs must be created in the private, not the public, sector. Public sector jobs cost tax dollars; private sector jobs provide tax dollars. Hillary Clinton has never created jobs in the private sector. She has created public sector jobs which forces an increase in taxes to pay for them.

Donald Trump has created thousands of private sector jobs. It is true that as an astute businessman he has utilized programs and methods made available by government (which Mrs. Clinton has served for many years and has made no effort to change) that are not popular with the American people... for example, using alien labor when he built a casino. Some people view this as hypocrisy... using Hispanic/Latino labor, some of whom are legal, some of whom are not, to personally profit but saying he wants to send illegals home.

Anyone in business knows it is the responsibility of a CEO to do what the law allows to make a profit for his company. The key words are “the law allows.” Trump wants Latinos to become legal and pay into the tax system, including the Social Security system... which most do not do today. If they get amnesty, they will have access to Social Security and Medicare and it is a threat to the entire Social Security and Medicare systems.

 If you love Obamacare and resultant medical treatment, Hillary is with you all of the way! Actually, Obamacare is a rewrite of Hillarycare. President Bill Clinton put Hillary in charge of creating a national healthcare program in 1992. Hillary will expand Obamacare and move quickly towards a national government healthcare plan similar to the one in Canada... where seriously ill patients who can afford it come to the U.S. for treatment.

Donald Trump prefers to eliminate Obamacare and find a free market solution. He wants to remove barriers that prevent competition – mostly regulations passed by establishment politicians – and he believes competition will bring health care costs down (as it has in the past) and increase quality of care. Market-driven healthcare also removes the concern of government-run euthanasia becoming a part of the American system of healthcare.

TRADE AND TREATIES: If you like NAFTA and our resultant $800 billion trade deficit with treaty partners, Hillary is with you! If you like the millions of manufacturing jobs lost because of the North American Free Trade Agreement (NAFTA – then CAFTA and soon the Trans Pacific Partnership Treaty [TPP] which will suck more jobs from our already-ailing economy), Hillary agrees.

Mrs. Clinton had no intention of renegotiating existing trade treaties and, until she needed to solidify a relationship with Bernie Saunders supporters, she thought the TPP was the gold standard of trade agreements. To appease Saunders supporters she now says it may need some adjustments. There is no doubt that our trade treaties have cost America much of its manufacturing base and jobs. Trump wants to renegotiate existing trade agreements and treaties. He has a clear, business-based (rather than political) view of trade, its impact on business growth and jobs, as well as trade deficits and how they impact the overall economy and our foreign policy. And he understands negotiation better than just about anyone.

The cost to taxpayers of the Obama administration’s foreign policy has been high, indeed. It’s not just the very costly mistakes made by Obama and Clinton in the Middle East. Only this week Philippine President Duterte said in a Beijing speech, “I announce my separation from the United States.” This is a direct result of Obama/Clinton failed foreign policies. This is very serious stuff!

Though Duterte updated his announcement, it is clear we are not respected or appreciated by a nation that is critical to our well-being in that part of the world.

The cost to taxpayers from lost jobs, and a sick GDP (gross domestic product – economic growth) have also been heavy – resulting in an estimated 1% GDP for 2016 (an average weak GDP might be 3%... China’s GDP is currently 6%).

Such is the tyranny of socialism.

Finally, terrorism. I have only one thing to say on this issue. If you cannot name and clearly define your enemy you will never defeat your enemy. Donald Trump agrees with that concept. Hillary Clinton does not and will continue the Obama policies which have caused such havoc in the Middle East. Her policies and behavior re Benghazi are good examples of her failures.

When I look at the above issues, it is difficult for me to understand how anyone can vote for Hillary Clinton... but we are a diverse nation. My comments support facts, not my personal opinions.

Some of us, it appears, want to become part of George Herbert Walker Bush’s New World Order and give up America’s sovereignty. Some of us have become so dependent upon government we do not want anyone to get rid of political corruption because it might eliminate access to welfare, extended unemployment benefits and freebies like cell phones.

The truth is, when people put selfish desires ahead of the good of their nation, they do indeed deserve the government they get. The rest of us get drug along for the ride.

Think positive thoughts about a Trump victory because positives attract positives. “They” like keeping you in a state of fear and anxiety because such negatives attract more negatives and supports their ruinous plots for internationalizing our nation.

Truth will prevail... eventually. It has already begun... largely because Donald Trump brought so many things to our attention that those polished, debate-trained politicians have been hiding from us so they can continue their corrupt practices.

There’s only one way you can stop it: With your vote.

Sunday, October 16, 2016


By Marilyn MacGruder Barnewall
October 16, 2016

Did Donald Trump’s disgusting comments about his ability to take sexual advantage of women seeking stardom because he was a superstar bother me?

Yes... but it also bothered me to learn that Paul Ryan’s love life is dominated by liberal women who tell him what liberal causes he must support. It bothered me to learn that Ryan’s judgment about love and women led him to one long-term girlfriend who confessed to crimes of fraud and spent jail time for them. It was a loooong time ago... just like Trump's comments.

If you’re going to judge Donald Trump by his apparent values, you must use the same standards for others because a double standard makes you a hypocrite. As I recall my New Testament, the only thing that made Jesus Christ angry was the hypocrites at the Temple making money off of those who came to worship, selling them doves they promised would gain them God's forgiveness.

Trump’s vulgarity didn’t bother me more than four dead Americans in Benghazi – especially after Ambassador Chris Stevens sent 600 requests to Hillary Clinton for help and she chose to ignore him.

Murder is one of the Ten Commandments; vulgar language is not.

It didn’t bother me any more than Hillary being forced to return $200,000 of stolen goods to the White House when the Clintons left office in 2000. White House furnishings belong to you and me.

Stealing is one of the Ten Commandments; vulgar language is not. Murder and stealing represent actions actually taken. Vulgar talk does not.

Trump’s unlawfully video taped conversation didn’t bother me any more than memories of the murder (or was it suicide?) of Vince Foster,  Castle Grande  (Whitewater), the trail of dead bodies that follow the Clintons wherever they go, and Hillary’s lies about her investing skills – which are different than these other known lies. I’ve read “Thou shall not lie” somewhere... let me think.

People consider Trump’s vulgarity worse than Hillary’s actual behavior? It is said that we get the government we deserve. I want Hillary supporters – including Bill Kristol, Mike Lee, John McCain, Paul Ryan, and all of the other RINOs – to remember that as our country is flushed down the toilet:  Your hand was on the “flush” button.

Trump’s disgusting conversation, taped with an Access Hollywood interviewer named Billy Bush who is the nephew of George H.W. Bush (cousin of Jeb), suggest this conversation was manipulated by Billy Bush, then saved to bring public when Trump decided to run for the Presidency. After all, he spoke of running often. We know NBC had the recording for six months and waited until 48 hours before the Sunday night debate to publish it. Trump corporation’s female staffing proves The Donald has more women executives than men and that these women are very well paid – and logic tells me if he has issues with women they do not involve his business – or political -- judgment.

The new stories about Trump include him forcing his attentions on a woman in the first class cabin of an airplane – Cinderella is more believable! 

I flew first class for many years and know the arm rests, unlike those in coach, cannot be raised or removed. For him to have done what she says is impossible... and flight attendants hover over first class passengers and bad behavior is not tolerated by other first class passengers. A statement that she didn’t mind his attentions as long as they "stayed above the waist" tells you the moral vacuum inside that head (and the other actions of which he is accused that occurred below the waist were impossible because of the seat divider).

This woman’s only flight is one of fancy – and it’s quite apparent. It makes Hillary look desperate! Desperation keeps your eyes diverted from her 30 years of failure in public life!

First they produce hard evidence that Trump thinks it’s cool to use his position of power to seduce women; then they produce liars to say he did it – and it’s a very believable scenario. Except the stories are incredibly naïve. And Donald Trump is anything but naïve.

The taping of this conversation also bothers me because the interview violates California law.

In Colorado or Wisconsin and many other states, it is lawful to record a conversation if ONE PARTY that is part of the conversation is aware of the recording. California, however, is a TWO PARTY state in which both parties taking part in a conversation must be aware something is being recorded. Otherwise, the recording is illegal.

Of course we all expect DOJ’s Loretta Lynch and the FBI’s Jim Comey to jump right on the commission of this crime to make sure it is properly investigated and prosecuted. (Smile)

Bill Clinton has for many years been treated like a son of former President G.H.W. Bush.

We all remember George H.W. Bush and Bill Clinton joining forces to collect money for the people of Haiti when they were hit by a violent earthquake in 2010. Most of us also remember how little of the money was actually used for the benefit of that earthquake's victims. People still ask: what happened to all of that money!

As I said, George H.W. and Bill are very close... and both hate Donald Trump with a passion. After all, it was Trump who made Jeb Bush look like a piece of over-cooked spaghetti during the Republican primary debates. Too, George H.W. Bush says he’s voting for Hillary.

The Trump tape upset me and I have asked myself some important questions:

1. What is the difference between being a sinner and being evil? This manipulated circumstance is a perfect example. Hillary has a video tape showing that Donald Trump, like all of us, is a sinner. The information available about Hillary Clinton, however, proves she is evil. There is a huge difference!

2. What do a man’s vulgar conversations have to do with knowing how to create jobs in the private sector? For Liberal Democrat readers who don’t know the difference between the public and private sectors, creating jobs in the private sector means creating jobs without using public funds (your tax $$). Donald Trump has created hundreds of thousands of jobs in the private sector. Hillary Clinton has never created a private sector job. So who do you believe when he or she says they can create jobs in the private sector?

We can go back to the Presidency of Democrat John F. Kennedy and find a man with a very checkered past and lack of sensitivity to women and inappropriate sexual behavior. He was a very successful President... one who also opposed the shadow government that has been running things since after the Civil War. It cost him his life. The answer to the question is: The successful years of John Kennedy prove sexual behavior does not impact a man’s ability to create jobs and be a good President.

3. What does a man’s sexual behavior have to do with understanding the need for leadership in American foreign policy? Democrat President Harry Truman’s well-known loyalty to his wife Bess and his daughter Margaret prove he had strong ethical views and moral propriety. Yet, when it came time to make a decision about dropping atomic bombs on Hiroshima and Nagasaki to save hundreds of thousands of American soldiers, he said “do it,” knowing it would result in the deaths of thousands of Japanese civilians. Being moral does not guarantee you will avoid questionable decisions... nor does having views others consider immoral.

Though Donald Trump’s conversation with Billy Bush is disgusting, it does not negatively impact his leadership skills. As his daughter Ivanka and his two sons Donald Junior and Eric say, he has a unique ability to find the right people to do whatever job needs to be done. It reminds me a little of David and Bathsheba. David wasn’t perfect, either.

Those Republican members of Congress who walked away from Trump have no strong definition of the word “loyal” which is a dominant part of defining “leadership.”

It is obvious that the Paul Ryans and Mike Lees and John McCains of the political world don’t understand how to define leadership because if they did they would have shown some of it during the past ten years and they have not. And that’s why voters are so angry!

The professional politicians are the same people who hate Trump for his stand on illegal aliens – an issue that points out the failure of establishment Republican legislators. It would have never been made public without Donald Trump. They tend to forget that Democrat President Harry Truman, Republican President Dwight Eisenhower, and Great Depression President Herbert Hoover removed huge numbers of illegal aliens to create jobs for Americans. Statistics are available here: Combat Veterans for Congress.

4. What does a man’s conversation about sex have to do with making strong, conservative appointments to the Supreme Court? Trump has told us who he will appoint. When we look at the alternatives of Supremes Hillary Clinton might appoint – even Barrack Obama’s name gets mentioned – it makes apparent how insignificant the disgusting words of Donald Trump really are -- words which were unlawfully recorded in the State of California by the cousin of a man Trump bested in the primary elections.

The release of this video just 48 hours before the Presidential debates was carefully planned.

It was this realization that made me come to grips with what initially made me sick to my stomach: If you want a President who is an obvious liar (or one too mentally devoid of memory to answer many FBI questions regarding her 33,000 deleted emails), Hillary is your girl. Hillary’s famous “I don’t remember” comments were also used during Whitewater investigations – and a faulty memory should disqualify her as a Presidential candidate. She is a woman with a record of highly disgusting acts of dishonesty and greed (she doesn't just talk about them, she does them) both as a public servant and as a lawyer... if that’s your cuppa coffee, vote for Hillary Clinton.

If you want to elect to office someone who’s campaign team says highly offensive things about Catholics – Hillary, herself, has personally said Christians must change their views and behavior – vote for Hillary. She is a candidate who has never created a private sector job and who supports the very things which cause Americans tremendous pain today – from late-term abortion to open borders. If that’s your gig, support Hillary Clinton.
The negative reaction of so-called college-educated women to the Trump tape disgusts me even more than the tape. That you seek security from a woman who will not hesitate to do anything – anything at all – to gain more and more power, more and more money – makes me question whether females should have been given the vote. You are voting (as men have always said you would) with your emotions, not your brain. You are obviously the product of a school system that removed critical thinking and logic skills from our public schools when the new math was introduced into the education system.

No one says you have to personally like your President. In some ways, Donald Trump is unlikable. What is important is that in the end analysis you respect your President’s ability to lead the nation to a stronger economy, a safer society, a return to our Constitutional Republic and the rule of law that flows from it.

Women voters appear incapable of figuring out that the very definition of a nation is its borders. If you don’t have borders, you don’t have a nation. Hillary Clinton has said she is for open borders... the very definition of George H.W. Bush’s “new world order.” That’s why he’s voting for her.

These women call themselves educated. Here is the law that disallows Middle Easterners of the Islamic faith citizenship in America. Have you read it? It proves Donald Trump is correct in suggesting we need to study this issue more before letting unvetted Muslims into our country. Sharia law prevents Muslims from swearing allegiance to anything other than Sharia Law. That includes the Constitution of the United States. Our laws say if you cannot swear allegiance to the Constitution you cannot migrate here.

You’re educated, you say. Have you read what is happening in nations which have allowed too many Muslims into their nations... Germany, France, Sweden and others? Is this the violence you want for your daughters?

Once a tyrant puts his or her boot on your neck and tells you to stop living your faith as a Christian, our way of American life is over. Once a tyrant brings unlimited numbers of people from a part of the world where they don’t even know how to use toilet paper (and bring their violence and diseases to America with them), it’s over.

Over means over. Forever. Goodbye Liberty. So much for leaving a safe, secure nation for the children you say you love. Rather than college-educated women, you make voting decisions like insecure little girls who want to replace the male protection of the 60’s with the government protection of the New Millennium. Women – real women – find security with faith which lives within them and they do not need the protection of Big Brother.

Perhaps what we saw that so disappointed us when we saw the Trump tape is that he is an imperfect human being just like the rest of us.

It is always disappointing to find that our leaders are not God; they are just people with strengths and weaknesses. It is more disappointing to see so many Americans willingly – even enthusiastically – support evil.

It’s your choice.

Is our choice for President of the United States to be made on the basis of vulgar talk or evil deeds? Admittedly many people wish for better choices in both parties, but this is what we've got.