Chapter Summaries, "Social Security - the Way Out".
1: "The Constitutional History of Social Security"
this volume we review the constitutionality of the social security
system. In doing this research we have discovered that social security
is indeed unconstitutional, in that appropriating money for employee
retirement benefits is a local function reserved to the states by
the Tenth Amendment. In this volume, we expose the trickery and
deceptions used by the Supreme Court to uphold the Act.
2: "The Economics of Social Security"
Here we examine
the economics behind the system and show that its run as a
pyramid scheme that would be illegal if run by a private insurance
company, that theres no true reserve fund, that employees
are taxed multiple times for their benefits, that the survival of
the system is hinged on a large ratio between current workers and
retirees, that that ratio was 45-1 after World War II but has fallen
to 3-1, that the system will go bankrupt in a few years as the ratio
drops 2-1, and due to various other economic problems. If this volume
had to be boiled down to one sentence, it would be the following
: Government programs dont work because theyre not accountable.
(We didnt write this volume with this intention. The facts
inescapably led us to this conclusion.)
3: "Social Security Compared with Private Markets"
comparisons used in this volume show that if the same money that
a worker pays in Social Security taxes was applied to the most conservative
of investments, such as a bank account or retirement annuity, the
return would be many times what social security pays and would leave
a large principal which the worker could pass on to his heirs. This
is true not only for the rich, but for the middle-class and poor
workers as well. Actually, the poor pay more for their benefits
than do the wealthy, and blacks pay more than whites.
4: "The Social Security Number and Its Threat to Privacy"
we review the history of the Social Security number, the statues
and regulations that provide for issuing the number, that theres
no law requiring anyone to have a number and that only those who
are or intend to become recipients of federal aid may be assigned
numbers. We also examine numerous media articles that discuss the
threat to privacy that the Social Security number has become as
it gradually becomes the universal identifier.
5: "Section 7 of the Privacy Act of 1974"
is a treatise on the history and development of Section 7, the one
federal law that specifically protects individuals from disclosing
their Social Security numbers.
6: "The Right to Free Exercise of Religion"
this volume we review, in depth, the right to free exercise of religion
on both the state and federal laws, including the First Amendment,
the Religious Freedom Restoration Act of 1993 (RFRA), the California
religion clause (which is the same as many other states clauses),
and other legal accommodations of religious objectors. This has
been made an order for the lay reader to have enough background
to understand the issue. This is a lengthy
volume, but good educational material for students.
7: "Religious Objections to Social Security"
we briefly summarize the Biblical passages that are most frequently
used as the basis for religious opposition of the Social Security
number. Then we will apply the law reviewed in volume 6 to not disclosing
the Social Security number.
8: "Social Security Numbers, Identification Documents, and
we explain that pertinent IRS regulations do not require the employer
to obtain a Social Security number, and how an employer can comply
with the law by merely making a request. We will show that an employee
is not required to disclose his Social Security number to comply
with the Immigration Reform and Control Act (IRCA), and discuss
the law in general.
9: "Social Security Numbers and the Right to Work"
volume delves into the right to due process, and how it secures
a constitutional ban on any statutory condition to entering a lawful
profession thats unrelated to occupational competence.
10: "The Paperwork Reduction Act"
we explain the Paperwork Reduction Act (PRA) and how it can be invoked
to invalidate IRS and INS regulations relating to Social Security
number disclosure and administrative law.
11: "Protection of Privacy Under California Law"
volume discusses the privacy clause of the California Constitution
(that originated as a ballot initiative in 1972). Because the privacy
clause applies to private businesses, we talk about how not to disclose
a Social Security number in this context. We will also analyze the
Unruh Act, which prohibits business establishments from discriminating
against a customer for any reason not related to the service provided,
and from offering a service to one class of customers that is not
offered to other customers on the same basis.
12: "Social Security-The Way Out"
Chapter 12, we get down to the practical side of living without
the number: How to correct the record, how to open a bank account,
how to get work, etc. In this volume we supercede and incorporate
many current Institute lessons on these subjects.