The Manchester Free Press

Saturday • July 13 • 2024


Manchester, N.H.

Is 40 Cal Better than 9mm?

Granite Grok - Wed, 2022-10-12 09:00 +0000

9mm vs. 40 cal, which is better? It’s a question that has been debated among gun enthusiasts for years. There are pros and cons to each caliber, and ultimately it comes down to personal preference.

40-cal ammunition is generally more expensive than 9mm ammo, but it also packs a bigger punch. 40 cal rounds are also typically heavier than 9mm rounds, which can make them more difficult to control for some shooters.

9mm ammunition is less expensive and generally easier to find than 40 cal ammo. 9mm rounds are also typically lighter than 40 cal rounds, making them easier to control.


The .40 40 Cal Pros:

-More stopping power than smaller caliber guns
-Can penetrate most types of body armor
-Higher muzzle velocity than most handguns

40 Cal Cons:

-More recoil than smaller caliber guns
-Larger and heavier than most handguns
-More expensive ammunition than most handgun calibers


The 9mm 9mm Pros:

-Easier to control than larger caliber guns
-More ammunition can be carried
– lower recoil than larger caliber guns

9mm Cons:

-Less stopping power than larger caliber guns
-Bullets can sometimes bounce off of an assailant
-May not penetrate some types of body armor

So, which caliber is better? Ultimately, it comes down to personal preference.

If you’re looking for a powerful round that packs a punch, then 40 cal is probably the way to go. If you’re looking for an inexpensive round that is easy to find and control, then 9mm is probably the better choice.

Whichever caliber you choose, practice with it regularly. The more you shoot, the more comfortable you’ll become with your firearm.


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Categories: Blogs, New Hampshire

It Is as I Foretold: The “Non-partisan” but Democrat Founded & Run Citizens for Belknap PAC Is Endorsing (Gasp!) Democrats over Republicans

Granite Grok - Wed, 2022-10-12 01:30 +0000

Calling themselves “non-partisan” was always a ruse – simply camouflage for the end game and that end game is now here: November 8th’s General Elections. A loyal reader let me know that the Citizens for Belknap PAC is now endorsing extremist Democrats (and Republicans that support major Democrat issues) as only Democrats can be moderate. Including those Progressive Democrats that openly support socialist and communist agenda items and values.

You know, like the Critical Race Theory maxim that holds that ALL Whites are racists and Oppressors and everyone else is Oppressed by them so the latter must always rise up against the former because ONLY “group level” struggle matters – individuals don’t.

The CfB hasn’t yet shown their endorsements in all of the districts in Belknap County but the first four are out: District 7 (Alton/Barnstead), District 4 (Belmont), and District 1 (Center Harbor). This was never about “extremist” Republicans, it was a Trojan Horse where Gunstock was the Horse and Republicans (like Jade Wood, Doug Lambert, Tim Lang, Harry Bean) opened City County’s gates expected to be rewarded:

I dryly note that in Center Harbor, Tom Ploszaj went from being a “neutral” to a “yer outta theah!”.  After all, for a Democrat PAC, a Democrat is ALWAYS better than a Republican even if, as the PAC said of him “…While we appreciate him standing up for Gunstock on August 1…” – usefulness complete. Barbara Comtois, Paul Terry, and Peter Varney are good to rock solid Republicans. The CfB could not persuade the good voters in Alton and Barnstead to remove them (and David Hershey, their endorsement in the Primary “melted” in the heat of battle).

If these were the only Districts, the Democrats would now be in total control of the (abbreviated) Delegation – with 6 Democrats and 1 Republicans (currently all those seats are in Republican hands).  Guess what that means across a whole range of issues and governance? But the goal of the monied people, some now former commissioners, would be sealed from observation with this firewall.  And I’m betting that the other districts will turn out to be similar in “endorsement outcomes”.

I dryly note that the only Republican endorsed is anti-Parental Rights and anti-Right To Work as well as being part of the Lang Gang: Travis O’Hara. I guess they still view him as “useful” so what does that tell you when a Republican is endorsed by a Democrat PAC?

I’ve called the CfB a “Revenge PAC” twice over. First is in retaliation of Conservatives, as I have said over and over, in the Delegation putting people onto the Gunstock Area Commission asking uncomfortable and penetrating questions about both the Gunstock Area Commission itself and the Gunstock Mountain Resort. The entire goal was to stop that cold (via political stunts) and then shutting the door (electorally). Second, and as expected, the Democrat PAC’s purpose was to use Gunstock as a front and then get Democrats elected in their stead and turn Belknap County from Red to Blue – something that the Democrats haven’t been able to accomplish.  And it is likely that those Republicans that DO make it passed November 8 will be MUCH more malleable to the Democrats (and further CfB political punishment) than the Principle driven ones they beat in the Primary.

Note: for a moment, as I was working on this, other endorsements came up but flickered out when I refreshed the pages.  I was not surprised at what I saw but I guess I will have to wait to present it here.


The post It Is as I Foretold: The “Non-partisan” but Democrat Founded & Run Citizens for Belknap PAC Is Endorsing (Gasp!) Democrats over Republicans appeared first on Granite Grok.

Categories: Blogs, New Hampshire

Here in the City of Baneh, We Will Set Fire to the Scarf and Hijab That Killed Mehsa, Nika, Sarina, and Hadith.

Granite Grok - Wed, 2022-10-12 00:00 +0000

The Iranian awakening has already begun. Islamdom is at a crossroads. Millions in Iran, a hugely important in sustaining and fanning Islamic fire, have turned or are turning against the Islmaic credo of the Ayatollahs.

They, and the rest of the world, need to hear the voices of secular decent people who are in league with them and can help to put Islamic ideology, the very spawning swamp of the deadly virus that makes jihadists, out of business.



The post Here in the City of Baneh, We Will Set Fire to the Scarf and Hijab That Killed Mehsa, Nika, Sarina, and Hadith. appeared first on Granite Grok.

Categories: Blogs, New Hampshire

An Update from Last Monday’s Gilford School Board’s Meeting: Policy JBAB

Granite Grok - Tue, 2022-10-11 22:30 +0000

“Should” does not mean “shall” or “must” but is a permissive term. Nothing in this Policy limits the rights of individuals under the federal or state constitutions.

About time that our Constitutions are brought front and center! Most of what I wanted to say, I did here (“Gilford School Board Meeting – They Have Finally Seen the Light! Well, except for One School Board Member“). Sorry, but after fighting this “transgenders given more Rights than other students and staff” fight for two long years, I’m allowing myself a bit of a smile for just a little bit longer but there are certainly more issues still afoot as I DO and AM reading the school Policies to ferret out what my School Boards can’t mandate – heads will explode on the next big one). Again, when it comes to a Government agency (and School Boards ARE The Government and because they are elected, it IS a political issue), they can’t mandate this:

“A transgender student has the right to be called by their preferred pronouns and name

and finally, I can relax, a bit, with this now being officially part of Policy JBAB – no more mandate:

“…Should be called by their preferred pronouns and name” (with Superintendent Kirk Beitler, in a phone conversation, telling me that the meaning of “should” was mandatory -I had to drag that out of him!)

See that top-of-post quote again. I sit here at my keyboard and just have to continue to wonder and despair as to WHY our elected representatives don’t keep Constitutional strictures on them and protections for us uppermost as they craft policies and laws. Be that as it may, I’m still basking in contentment.  But I also have a new set of questions (further below).

And even BETTER news – this updated JBAB is now “law” within the District.  I thought that it had to go through one more Reading (for a total of three) – and I am HAPPY to admit that I was wrong – two Readings and it becomes official. So NO one has to worry (students, staff, or visitors) of being accused of harassment or discrimination for hewing to their long-held beliefs that God made only male and female and that Science affirms that and not the Heinz 57 thousands of sexes/genders the Left would have you believe – they are the same thing.

But I still have an issue that was not settled that night and I wasn’t going to bring it up full-bore – lying to Parents.  While that language was also changed (PDF is below), I had questions.

It’s been a long-running issue, as readers well know, that anyone trying to get answers from a School Board ANYWHERE is like trying to cut steak with a wet piece of paper.  However, during the meeting, I was asked to email my questions instead of asking during the meeting.  So I DID!

——– Original message ——–
From: Skip <>
Date: 10/6/22 7:54 AM (GMT-05:00)
To:,,,, “Hogan, Nicole” <>
Subject: Questions from a constituent to my Elected Representatives

Good morning,

Given the review of the various Policies (First and Second Readings) held on this past Monday evening, I have some clarification questions for which I am looking for answers. Given that my earlier inquiry of when can voters ask questions of their elected representatives (as for any other board or commission) has not yet been answered but was told to try emailing the Board (again), here are some questions that I would not be able to ask during a regular Board meeting:

1) In support of Policy BBA (which acknowledges that the Board has only such Powers delegated to it by the Legislature and, secondarily, through the NH Dept of Education rules), each of the policies reviewed had citations from when those specific Powers were granted or mandated. For example, for those “Second Reading” policies:

  • IHBB – Programs for Gifted and Talented Students

Legal References:
RSA 189:29-b, Identification and Accommodation of Gifted and Talented Students

  • BIE – Board Member and District Employee Indemnification

Legal References:
RSA 31:104, Powers and Duties of Towns: Liability of Municipal Executives
RSA 31:105, Powers and Duties of Towns: Indemnification for Damages
RSA 31:106, Powers and Duties of Towns: Indemnification: Civil Rights Act
RSA 31:107, Powers and Duties of Towns: Purchase of Insurance

  • JBAB – Transgender and Nonbinary Students  RSA 193:38 in line with the policy’s 1. PURPOSE, paragraph 2:

193:38 Discrimination in Public Schools. – No person shall be excluded from participation in, denied the benefits of, or be subjected to discrimination in public schools because of their age, sex, gender identity, sexual orientation, race, color, marital status, familial status, disability, religion, or national origin, all as defined in RSA 354-A. Any person claiming to be aggrieved by a discriminatory practice prohibited under this section, including the attorney general, may initiate a civil action against a school or school district in Superior Court for legal or equitable relief, or with the New Hampshire commission for human rights, as provided in RSA 354-A:27-28.

SB263, which introduced the notion of gender identity, has been enrolled into 193:39:

Each school district and chartered public school shall develop a policy that guides the development and implementation of a coordinated plan to prevent, assess the presence of, intervene in, and respond to incidents of discrimination on the basis of age, sex, gender identity, sexual orientation, race, color, marital status, familial status, disability, religion, national origin, or any other class projected under RSA 354-A.

Superintendent Beitler claimed that legal counsel, at the beginning of the Reading, held that a separate policy on the Religious protected class is already protected in the Harassment and Discrimination Policies and therefore does not need a policy of its own. His statement makes the nuance that all of the other protected class, including Religion, are similarly covered.

Question: What is the Board’s reasoning on this? What is the equality and equity in having transgender students receive special treatment as a class that is not extended to the other Legislature-mandated classes?


2) During the third Public Comment Session, I read the oath of office that each of you must pledge fealty to before taking your elected seats.  Part Second – Form of Government, Article 84 (

[Art.] 84. [Oath of Civil Officers.] Any person chosen governor, councilor, senator, or representative, military or civil officer, (town officers excepted) accepting the trust, shall before he proceeds to execute the duties of his office, make and subscribe the following declaration, viz.

I, A.B. do solemnly swear, that I will bear faith and true allegiance to the United States of America and the state of New Hampshire, and will support the constitution thereof. So help me God.

I, A.B. do solemnly and sincerely swear and affirm that I will faithfully and impartially discharge and perform all duties incumbent on me as …………………………………………., according to the best of my abilities, agreeably to the rules and regulations of this constitution and laws of the state of New Hampshire. So help me God.

Question: When contemplating a revision of a current Policy or adoption of a new Policy, does the Board analyze any and all parts of that Policy relative to the strictures placed upon you as elected representatives having taken your good faith oath?


  • 3) In II. DEFINITIONS, there are several newly minted /made-up vocabulary sexuality-related words/phrases that are only mentioned in the Definitions and not utilized anywhere else in the Policy:
    gender transition
    sexual orientation

Question: What purpose do they serve in this Policy other than to further establish a sexuality ideology that is not shared by many (e.g., People of Faith, as I said on Monday night) and are present only to further ingrain and enroll that secular humanist outlook into a government document?  If they are not used outside the Definition section, why have them in the document at all? Otherwise, they serve no purpose other than virtue-signaling.


4) III GUIDANCE A. Privacy

The Gilford School Board recognizes a student’s right to keep private one’s transgender status or nonbinary presentation at school. The Board also recognizes a transgender and nonbinary student’s right to discuss and express their gender identity openly. Information about a student’s transgender status, legal name or biological sex gender assigned at birth listed on a person’s birth certificate also may constitute confidential information. School personnel should not disclose information that may reveal a student’s transgender status or nonbinary presentation to others. School personnel shall include parent(s) or legal guardian(s) when implementing a written plan for a student to address their needs as it relates to their transgender or nonbinary status. When contacting the parent or legal guardian of a transgender or nonbinary student, school personnel should use the student’s preferred name and pronoun listed in the student information system. Student’s legal names shall not be changed in the official records unless legally required to do so.

Question: “to others” – if one takes this sentence alone, its sentence construction can be construed in several ways.  Is it the Board’s intent that Parents are part of that set referred to as “to others” and therefore, this Policy still insists that staff are to continue to lie (by omission or commission) to parents about their child’s transgender status?

Question: the following sentence to that mandates that “School personnel shall include parent(s) or legal guardian(s) when implementing a written plan”.  Does this mean that Parents are NOT part of the previous sentence’s “to others” or that Parents will only be correctly informed of their child’s transgender status once setting up a plan has begun?

Question: Does “school personnel should use the student’s preferred name and pronoun listed in the student information system” signify “always”, only when a student gives staff permission to tell his/her Parents, or only once the written plan has commenced?

Question: When an RSA 91A or FERPA demand has been submitted by a Parent, will the Gilford School District give ALL of the requested information in all of its Information Systems to the Parent?  Or will the response be moderated depending if a plan is in place?

Question: if the latter (only when a plan is in place), please show where in FERPA withholding such information is condoned/allowed by FERPA/Federal law.


5) III GUIDANCE B. Official Records

The last four questions are to be repeated relative to the subject matter in this paragraph relative to answering Parents’ inquiries.


6) J. Discrimination/Harassment

It is the responsibility of each school and the District to ensure that transgender and nonbinary students have a safe school environment. This includes ensuring that any incident of discrimination, harassment, or violence is given immediate attention, including investigating the incident, taking appropriate corrective action, and providing students and staff with appropriate resources, see Gilford School Board Policy ACAC. Complaints alleging discrimination, harassment or bullying based on a person’s actual or perceived transgender status or gender nonconformity are to be handled in the same manner as other discrimination, harassment or bullying complaints. Refer to policy AC, ACAC, and/or JICK.

It was clear from Monday night’s meeting that Kyle was taking the middle ground on students or staff refusing to use preferred pronouns (e.g., that the intent of non-usage is paramount) whereas Jessica and Nicole seem to be adamant that any non-usage of preferred pronouns will automatically be judged to be “trauma-inducing” and discriminatory and that the offender (other than the example of what parents often do in running through all their children’s names until arriving at the right one (and sometimes including pets and husband) – a mistake).

Question: Is it the sense of the Board that a highly detailed/delineated process is going to be needed, and if so, will the Public be included in the crafting of that process, due to the widely divergent outlooks of the Board members?



Superintendent Beitler mentioned that a contingent of Gilford staff will be going to Plymouth University for training without stating what the training purpose was.  Please consider the following a Right To Know/RSA 91A request (and I can formalize it if you find this format unacceptable):

  • Provide the audit financial trail (requestor/authorizer, RFP, Quote, Quote Acceptance, Invoice, payment voucher, the GL Account(s) from which the Invoice is paid
  • The training materials that were purchased
  • The listing of which Gilford School District Staff received the training either in person or by electronic presence (such as Zoom, Teams, Go To Meeting, et al.
  • A copy of any certificate given to attendees.

Best regards,


There’s a lot there to digest in my email.  Either there is nothing “there” and I’m being a bit paranoid (why not? I thought “should” was already a “voluntary” word until I was told it wasn’t) or it is good that I’m questioning it. Why NOT question our Government, at ALL levels? It’s clear that Government HAS become partisan, HAS become ideological (yes, on both sides) and it’s clear in this issue, there are some that have been trying to game the system.

Oh, and I did put in a formal Right to Know for that last part on the Plymouth training. I have a REALLY good idea what it is about but I want it out in the open.

I merely want it to return back to bedrock principles. But I’m called an extremist for insisting on it. C’est la, you Constitution deniers (heh!)!

Updated Policy JBAB. Hover over it and you’ll see the navigation bar popup:


Updated Gilford School District Policy JBAB – Transgender and Nonbinary Students

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Categories: Blogs, New Hampshire

There is a Connection Between the Education System and Military

Granite Grok - Tue, 2022-10-11 21:00 +0000

The last two years have seen a dramatic change in our military. Donald Trump rebuilt our armed forces after the Obama Administration had decimated them with severe funding cuts. Joe Biden has picked up where Obama left off.

We have the worst Secretary of Defense ever in Lloyd Austin, who is far more concerned with a WOKE military than a robust national defense.

We have a very unique military that has relied on volunteers to fill its ranks since the selective service and draft was stopped in 1973. The Vietnam War ended, and the Army was not in good favor with most Americans. We have always had a supply of patriotic men and women who have stepped up to protect their country, but that has changed. Every military branch is seeing its lowest recruitment rates this year. Something has changed, and I feel it is a collection of different factors.

For decades, the United States military stood for patriotism and toughness. These were two traits that appealed to a lot of young men and women. They answered their nation’s call and sacrificed years to keep the rest of us safe. Over the last two years, they have seen a change in our military, specifically the Army. The new administration is more concerned with WOKE and may be turning away young patriots.

With recruitment ads that feature young gay women to the lowering of physical standards, the macho image is changing. Lloyd Austin is more concerned about provisions for transgender recruits and enforcing the vaccine mandate than making sure we have the finest fighting machine in the world. Young people who thrive on discipline, training, and toughness will have to look elsewhere. It is not in the man’s Army.

These potential recruits also witnessed the embarrassment of Afghanistan and the needless deaths of thirteen young men and women. Not only do young recruits want to be part of a group that only has one mission; to win and never leave a brother or sister behind. That is not what they see.

The other intangible is the impact on our young people by our education system. We grew up with patriotism, respect for the military, and love of this country. In today’s schools, from the first day of class in kindergarten, our children are now taught to hate their country and its past. History and patriotism are not taught, and the culture is not nurtured.

Teachers are turning their students off to the idea of America being the greatest country on earth and how lucky they are to enjoy the gifts she gives us. Instead, they are taught to curse our past, destroy connection to our history, and believe that radical Democrats will lead them to a better future. It is a philosophy that is not only leaving our military depleted, but destroying our future.

Our children have no connection with America, are not being prepared for the future by our schools, have no motivation for hard work, and expect to be supported and coddled forever. It is not a sustainable recipe for a healthy society. We need a reversal of philosophy quickly, as recruits are not keeping up with those leaving the service.

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Categories: Blogs, New Hampshire

NHGOP Candidates Should Do What JD Vance Did When WMUR Rigs The Debate

Granite Grok - Tue, 2022-10-11 19:30 +0000

If I had my druthers the NHGOP candidates would boycott the WMUR “debates” because these “debates” are rigged to help the Democrats. Assuming they don’t, they need to be prepared when Adam Sexton and the other Democrat-activists masquerading as moderators try to distract from the devastation caused by the policies that New Hampshire’s incumbent Democrats have supported. JD Vance shows how it is done:

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Categories: Blogs, New Hampshire

Stupidity is Painful

Granite Grok - Tue, 2022-10-11 18:00 +0000

US Senator John Kennedy (R-LA) has a new campaign ad in which he frames the current Democrat majority and administration as idiots.

I almost wish he could have made a more extended ad because there is a long list of things he could say about Democrat priorities that demonstrate how out of touch they are with everyday Americans. But he does say this, among other things.


“The Left thinks that government employees have a constitutional right to talk to five-year-olds about sexuality. I know, it’s frustrating to me too, to see our country, which was founded by geniuses, and being run by idiots.”


Are enough parents and taxpayers as unnerved by this radical notion to add to the projected Republican wave this November?

If not, then we’re the idiots for not doing enough to convince people that Democrats cannot be allowed to hold power at any level of government.

Here’s the ad, and stick around for the end. He explains the jellyfish.





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Categories: Blogs, New Hampshire

Meme Overflow

Granite Grok - Tue, 2022-10-11 16:30 +0000

As promised in the last Monday Memes, I have an overflow. My meme cup runneth over.  Almost certain about a Friday Overflow-Overflow.  We’ll see.

Now, let the mayhem, mockery, and ridicule resume:


*** Warning, a few possibly off-color ones, in case tender eyes are about ***








There’s another reason for voting in person on THE DAY – fighting vote fraud.  You see, the majority of people who vote early are likely to be “D” voters.  So they’ve already used up part of their supply.  By voting in person, and as late in the day as possible, you force them to have to scramble if they plan to overcome your vote.  People in haste make mistakes.









They’ve been saying it for DECADES.  Nobody’s taken them seriously.  And that’s their strength – alas – because people don’t want to believe stuff like this.

Like I said in Just Give Me Yavneh, people don’t WANT to think that their illusory stable world can fall apart.  They have normalcy bias.  The problem is when things go awry, it means people get caught unawares.









Rules are for the little people.  I keep hammering at this – when the “common Roman” saw how corrupt the Imperial City had become, they ceased being willing to fight for it.







Pick of the post:



The Left truly believes, in their historic slave-owner fashion, that they still own minorities.  Slave owners then, slave owners now.







Palate cleansers:




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Categories: Blogs, New Hampshire

Teacher’s Union President Visits Ukraine “To Bear Witness and Call Attention to the Effects on Children”

Granite Grok - Tue, 2022-10-11 15:00 +0000

The American Federation of Teachers (AFT) is directly responsible for policies that have undermined years of education for American children, and not just during the COIVD plandemic. So, what does the union president do?

Randi Weingarten travels to Ukraine to meet with union leaders there.



“…to offer solidarity and support in the face of relentless attacks that have forced hundreds of thousands of refugees to flee the country’s east,”” Fox News reported.

“The AFT was invited by the Ukrainian teachers union, the Trade Union of Education and Science Workers, to bear witness and call attention to the effects on children, families and educators and the impact of Russia’s attacks on democracy and democratic institutions,” the press release explained.”


And with some creative editing on my part, we get this.


“The AFT was invited by parents, to bear witness and call attention to the effects on children, families, and educators and the impact of the Democrat Party and Teacher’s Union policy on American Education, but declined, calling them domestic terrorists, instead.”


I’m sure the union has a political interest in reinforcing the Democrat party’s use of Ukraine as another taxpayer-funded laundromat. I feel confident that is the only reason she is there. Create a press event for the complicit media to peddle. But the optics are lousy, even if she is there for other reasons.

Schools in America were in trouble before the public school lockouts. And while online learning is an excellent tool for some kids, the unions and government schools turned it into the alien abduction conspiracy equivalent of lost time. Students woke up after two years of “distance learning” with few, if any, new skills.

They were left behind while teachers and unions collected pay and benefits many of their parents lost due to similar policies.

Randi should be visiting the front lines in the war zones of Chicago, Los Angeles, and Baltimore, not Kyiv and Lviv.



HT | Gateway Pundit

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Categories: Blogs, New Hampshire

Breaking: Tulsi Gabbard Has Left …The Democrat Party – Asks Other Democrats to Join Her.

Granite Grok - Tue, 2022-10-11 13:30 +0000

Democrat Presidential candidate and former member of Congress Tulsi Gabbard has announced that she is leaving the Democrat Party. “I can no longer remain in today’s Democratic Party that is now under the complete control of an elitist cabal of warmongers driven by cowardly wokeness …


I can no longer remain in today’s Democratic Party that is now under the complete control of an elitist cabal of warmongers driven by cowardly wokeness, who divide us by racializing every issue and stoke anti-white racism, actively work to undermine our God-given freedoms, are hostile to people of faith and spirituality, demonize the police and protect criminals at the expense of law-abiding Americans, believe in open borders, weaponize the national security state to go after political opponents, and above all, dragging us ever closer to nuclear war.

She is also asking fellow Democrats to join her: “If you can no longer stomach the direction that so-called woke Democratic Party ideologues are taking our country, I invite you to join me.”


Here’s the complete statement from Twitter.


So. Tulsi is calling her “former” party a bunch of extremists. And that they are, so please, by all means, defect – just make sure that means not voting for Democrats even if you no longer choose to register as a party member.



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Categories: Blogs, New Hampshire

What Steps Can You Take to Achieve Your Desired Financial Health

Granite Grok - Tue, 2022-10-11 12:30 +0000

Over the course of the past few years, many people have begun to take more of an interest in and a hands-on approach to their personal finance. Driven in part by Covid-19 lockdowns, when people forced to stay indoors decided to assess their assets to pass the time, ensuring a stable and sustainable financial future is now a priority for a lot of people.

As geopolitical issues and other factors influence global markets, we have seen the bite of inflation and rising costs across the world. Now, more than ever, it is important to guarantee the financial health and security of you and your loved ones. What steps and measures can you take to achieve this? Keep reading to find out.

What is Financial Health?

Financial health can be defined as the current state of your financial situation. It encompasses things like income, debt, assets, and savings. Much like your physical and mental health, financial health is vital for your wellbeing, both presently and in the future, and it must be managed and maintained regularly to ensure it remains in a good state.

To be financially healthy means that you are seeing enough income and have enough savings to cover all the outgoings involved with day-to-day life. This includes living expenses, debts, and other obligations. Additionally, someone who is financially healthy would have enough cash reserves to cope with a sudden, unforeseen emergency, such as one that seriously impacted their income.

How can you tell if you are financially healthy? There are a number of methods you can take to evaluate your situation. Read on to find out more.

Measuring Financial Health

Measuring your debt-to-income (DTI) ratio can be a good indicator of the current state of your financial health. This is done by dividing the total of your monthly debt outgoings by your monthly income to get a percentage. The lower the percentage the better, and financial bodies like mortgage lenders will often look at DTI when considering an application.

Checking savings and emergency funds can give you an idea how you’d cope in an emergency, while staying on top of your credit score can ensure you remain attractive to lenders or creditors. While these steps allow you to evaluate your financial health, how do you achieve and maintain it in the first place? Let’s find out.

Saving and Investing

This is perhaps one of the most important steps. Effective saving and investing can work to give you financial security and stability, while also making you attractive to lenders like mortgage brokers. It ensures you have cover in the event of an emergency and gives you something to temporarily fall back on should your income be affected.

One of the best ways to save is through a savings account. There are all types of savings accounts, each with their own unique advantages and disadvantages. Accounts can come with a range of benefits and different interest rates, with some dedicated for specific purposes such as accounts for children or for students.

The key to building up a solid foundation of savings is to start saving early. Your savings will compound, and you can build up a substantial amount with relatively low, regular payments if you start saving when you are young.

Draw up Budgets

Budgets are absolutely vital for managing money, they can stop you from spending beyond your means and can give you a detailed insight into where exactly your money is going.

Start by determining your income, which could be easy or tricky depending on what it is you do for a living. If your income is variable month to month, use an average figure over a set period of time rather than a set monthly amount.

Once you have determined your monthly income you can start calculating how much you spend per month. Breaking down these expenses into groups can give you even more detail as to where the greatest percentage is being spent, allowing you to make adjustments if things seem unbalanced.

Pay off Debts

Debt can mount over time, and it can work to seriously impact your financial health. Whether it is credit card, student loan, or car debt, don’t ignore it in the hopes it will go away. Stay on top of your debt and strive to pay it off as quickly as you can.

Creating a debt repayment strategy can let you evaluate how much it is you owe and give you a timescale for repayment. Make up an inventory of your debt, who you owe, how much, and when the repayments are due. Seeing everything laid out like this can be very helpful and can allow you to formulate a plan moving forward.

Avoid just paying the minimum payment for your debts each month. Interest can mean you just end up paying more over time, and it will keep you in debt for longer. Try and pay more than the minimum whenever possible, this will help you get out of debt faster.


Being in a stable financial state isn’t just beneficial for your monetary situation, it can have significant benefits for your mental health and emotional wellbeing as well. Follow these tips to achieve your desired financial health and safeguard your future.



The post What Steps Can You Take to Achieve Your Desired Financial Health appeared first on Granite Grok.

Categories: Blogs, New Hampshire

The Hillary Clinton Campaign, Robby Mook, and Federally Backed Censorship

Libertarian Leanings - Tue, 2022-10-11 12:19 +0000
In October 2016, the Hillary Clinton campaign released the false allegation that the Trump Organization maintained a secret server connection to a Russian bank, Alfa Bank, as a means of communicating with Vladimir Putin. There was no evidence to support... Tom Bowler
Categories: Blogs, United States

The “Ingredients” That Make the Inflation Cake

Granite Grok - Tue, 2022-10-11 12:00 +0000

The media is doing what it can to hide the recession and food inflation. They talk about monthly numbers without noting how this cumulative price rise is crushing America, the left claims to champion. But will it have the opposite effect?

Related: Inflation Reduction Act Will Hurt America’s Middle Class

People go to the grocery store to buy food weekly, if not more often. If ends were barely meeting before, they can’t find each other now. Prices are not just higher. They are exponentially higher.

To help customers understand it, a bakery posted a list of prices for ingredients they use with their costs in January 2020, January 2022, and July 2022.



Many of these ingredients have more than doubled in price. These price differences paint an ugly picture of an economic mess Democrats are trying to hide. A kitchen table issue over which they are the cause and from which they are trying to run.

They use their majorities to spend (as they always do) trillions we do not have on partisan interests with no regard for the domestic consequence.

That whiteboard is a searchlight in the night shining right on those consequences, and the owner of that bakery might want to prepare for a visit from the FBI for acts of sedition, incitement, treason, insurrection, or plain old domestic terrorism.

That’s supposed to be a joke, but these days, not so much.


Related: Watch: What Inflation Really Looks Like.



The post The “Ingredients” That Make the Inflation Cake appeared first on Granite Grok.

Categories: Blogs, New Hampshire

Tulsi Gabbard

Libertarian Leanings - Tue, 2022-10-11 11:22 +0000
I can no longer remain in today’s Democratic Party that is now under the complete control of an elitist cabal of warmongers driven by cowardly wokeness, who divide us by racializing every issue & stoke anti-white racism, actively work to... Tom Bowler
Categories: Blogs, United States

Hey Adam Sexton … Why Did You Leave This Out Of Your CD-1 “Coverage” Of Social Security?

Granite Grok - Tue, 2022-10-11 10:30 +0000

I posted earlier about WMUR … Adam Sexton, more specifically … helping the Chris Pappas campaign deflect from the issues that the voters rank as their top concerns: WMUR Rigging The CD-1 Election. Sexton is actually engaging in multiple levels of bias.

The first level of bias, which I covered in WMUR Rigging The CD-1 Election is covering Social Security as a top issue, when the voters believe that right now we have much bigger fish to fry.

The second level of bias that Sexton engaged in is treating Social Security as a stand-alone issue, when it is NOT … rather, Social Security is simply one part of retirement planning.  Indeed, the value of one’s IRAs, 401-Ks, pensions and other retirement investments typically play a much larger role in determining the standard of living in retirement than Social Security.

Yet Sexton leaves out of his lovely hit-piece on Karoline Leavitt that the values of these other retirement investments has plummeted because of the policies of the Biden-regime … POLICIES THAT CHRIS PAPPAS HAS SUPPORTED … by an order of magnitude of at least 25 percent:

Adam Sexton is FAKE NEWS.

The post Hey Adam Sexton … Why Did You Leave This Out Of Your CD-1 “Coverage” Of Social Security? appeared first on Granite Grok.

Categories: Blogs, New Hampshire

Rob Roos, Member of European Parliament

Libertarian Leanings - Tue, 2022-10-11 10:29 +0000
MEP @Rob_Roos: “in the European Parliament one of the PFIZER directors just ADMITTED to me: at the time of introduction the VACCINE had NEVER been TESTED on STOPPING the TRANSMISSION of the VIRUS. This removes the ENTIRE LEGAL BASIS of... Tom Bowler
Categories: Blogs, United States

“Take It” from the United Nations; The Election Was Fishy

Granite Grok - Tue, 2022-10-11 01:30 +0000

I was truly shocked when Don Bolduc flipped after the primary and said he no longer believed the 2020 election was stolen. When Blake Masters in Arizona did the same, I guess I shouldn’t have been surprised. And yet I was.

We want to thank Frances Erlebacher for this Op-Ed Please direct yours to

So many Americans believe the election was stolen—55%, including 35% of democrats! (Rasmussen)—that I truly don’t get why candidates are so easily persuaded the “only way” to win a general election is to deny their lying eyes.

I realize few candidates are nimble enough to talk about the 18,000 ballots that magically “showed up” in Arizona one day after the election yet were illegally counted.

Or the tens of thousands of absentee ballots received in Pennsylvania in excess of the number requested/mailed out. Or the many nursing homes in Wisconsin with 100% voter participation (Stalin would be impressed!), a 75+% increase over years when only the mentally competent were able to vote.

Or Michigan, where the only permitted forensic audit showed more than 60% of machine-run ballots had been “manually adjudicated” even though only 1/250,000 is permissible by federal law.

Or (my favorite) that there were only 153 million registered voters TOTAL in the entire country in 2018, so there is no possible way 155 million eligible individuals voted legally in 2020—there was barely any population increase between 2018 and 2020, and new registrations in that time period skewed heavily towards the GOP, much to the chagrin of media pundits.

So here are a few simple responses to the endless trap questions from the media or democrats—sorry, I repeat myself—without seeming to cave or throw supporters under the bus.

*Any election where watchers are not allowed or tricked into leaving is suspect.

*Any election where multiple districts stop counting at exact same time is suspect, especially when the “break” is followed by a huge dump of ballots for the candidate who was losing.

*Democrats and the media (sorry, I repeat myself again) started stealing the 2020 election with the multi-year fake Russia collusion “investigations.”
*Ditto for James Comey and his cohorts at the FBI, who knew from day one the Russia Russia Russia nonsense was a hoax hoax hoax and, later, the Hunter Biden laptop was real, real, real.

Take it from the United Nations; the election was fishy.

The UN training for fraud spotting teaches that an election is most likely fraudulent when poll watchers are not allowed, when certain jurisdictions have unrealistic turnout or excessively one-sided results and when counting stops and the loser pulls ahead when it resumes (especially after midnight). That is how we judge elections around the world—in Venezuela, in Myanmar, in Crimea, and, most recently, in the newly occupied territories of Ukraine.

There is never any proof. Asking for it is just a canard by people who know an election was stolen and want the world to move on.

During an open election, no one calls election challengers “deniers” or “threats to democracy.” Hillary Clinton, Nancy Pelosi, Adam Schiff, and many more “denied” Donald Trump won in 2016—though YouTube just censored the reel of Democrat election deniers, so that is harder this week. After the 2000 election, the New York Times and Miami Herald spent almost a year and tens of thousands of dollars counting and recounting and recounting the Florida ballots again and again and again, trying to show Al Gore had actually won. This time? Nah, we’re good. Only a democracy killer would question an election!

This brings me to Kari Lake, also in Arizona, who had the best response I’ve seen to a “big lie” question. Without batting an eyelid, she turned the question on the reporter—“Do you believe 81 million Americans voted for Joe Biden?” The silence that followed was breathtaking. Because the dirty little secret we’re not supposed to get is that they all know the 2020 election was riddled with fraud. The media know it, and the Dems know it. Even some RINOs know it, though perhaps they just choose to see nothing.

That’s why they all work so hard to intimidate us, to get us to shut up about it. To say our eyes lied. They hope if the actual “big lie” is repeated often enough, that 81 million live people voted for a man who couldn’t fill a parking lot even with people sitting ten feet apart, we’ll all believe it eventually. Thankfully it’s not working, at least not yet—and if 55% of Americans are willing to tell a pollster they believe fraud affected the 2020 outcome, we know the real number is much higher.

If only more of our candidates could see that, perhaps they’d be more willing to channel Kari Lake and stand their ground because this must never be allowed to happen again.



The post “Take It” from the United Nations; The Election Was Fishy appeared first on Granite Grok.

Categories: Blogs, New Hampshire

If NH has One of David Brock’s Dem Funded ‘Fake News Sites,’ Which One Is It?

Granite Grok - Tue, 2022-10-11 00:00 +0000

Here’s another crowd-sourced problem with which our readers can wrestle. Everywhere I look, I see the exact same news about how David Brock (Media Matters and a million other well-funded Left-wing Projects) created a network of at least 51 fake news sites that ape left-wing stories in swing states.

Hello, New Hampshire!

Reformatted, emphasis – mine!


A network of at least 51 locally branded news sites has popped up since last year under names like the Milwaukee Metro Times, the Mecklenburg Herald, and the Tri-City Record. The sites are focused on key swing states with elections in 2021 and 2022: Arizona, Colorado, Georgia, Michigan, New Hampshire, Nevada, North Carolina, Pennsylvania, Virginia and Wisconsin. …

Each follows a similar template: aggregated local news content and short write-ups about local sports teams and attractions — interspersed with heavily slanted political news aimed at boosting Democratic midterm candidates and attacking Republican opponents.


Seacoast The NH Bulletin? The Concord Sentinel? None of the above, as far as I can tell (so far). But they are here, somewhere, and I’d like to know who they are and under what name they are doing business.

Brock’s Dem-Money laundromat powers them with content generated by the American Independent, a progressive news source that bills itself a number one resource, though it has very little actual traffic. That might be because the news is written to end up on local sites in swing states.

It’s not local, but it is peddled as that, surrounded by local sports or special interest stories.

Political stories about how gas prices, electricity prices, or the economy are not that bad. It’s all spin to scavenge mid-term scraps for floundering Dems. Like any of Maggie Hassan’s campaign ads. BS that leaves out details that would undermine the message.

If you know what site it is or have a suggestion, please let us know (and don’t say the Concord Monitor, Keene Sentinel, Portsmouth Herald, Union Leader, etc., we know about them).

I sifted through dozens of stories, and not one of them had a complete list of these 51 fake-news sites. I hate when that happens.



The post If NH has One of David Brock’s Dem Funded ‘Fake News Sites,’ Which One Is It? appeared first on Granite Grok.

Categories: Blogs, New Hampshire

WMUR Rigging The CD-1 Election

Granite Grok - Mon, 2022-10-10 22:30 +0000

Mid-term elections are supposed to be referendums on the party in power … in this case, the Democrat Party. Given that the policies of the Democrat Party have hurt most Americans … out-of-control crime, open-borders (fentanyl), war on domestic fossil fuel production, out-of-control federal spending (inflation) … that is very bad for incumbent Democrats like Chris Pappas.

So here comes WMUR to the rescue … making the election about an issue that currently is not on any voter’s radar in order to distract from all the ruinous Biden-regime policies that Chris Pappas has supported:


The post WMUR Rigging The CD-1 Election appeared first on Granite Grok.

Categories: Blogs, New Hampshire

Don’t Forget, Today is NOT Indigenous People’s Day

Granite Grok - Mon, 2022-10-10 21:00 +0000

The calendar says that today is when we celebrate the exploration chutzpah of some guy we call Columbus. Whatever his faults and they are many, he had the stones to sail off into a world of mystery to answer questions Europe had long pondered. What the hell is over there?

Related: Exposing The “Indigenous People” in North America Lie … (Again!)

It resulted in the discovery of two continents and a new source of slaves.

Oppressing locals has been a historical habit of humans of all colors, races, religions, etc., so that’s not surprising. Those “enslaved people” probably had slaves, some of whom – depending on the culture – were sacrificed to local gods. People who did not originate there much the way the Spanish-speaking world of Central and South America did not speak Spanish until they were conquered and forced to speak it.

None of this matters if you are progressive or carry their water. To them, this Monday in October is an excuse to grind an axe in service to a larger political agenda. It is not Columbus Day; it is ‘Indigenous People’s Day.’ But as we’ve pointed out annually, there were no indigenous people here, just the last people to conquer or occupy lands previously empty or occupied by those they killed or drove out.

I’ve shared a small mountain of content on this here, but one of my favorite examples centers on a social media post by a Lakota Indian flipping off Mount Rushmore.


The Black Hills has only had human occupants for about 10,000 years. Since then, several peoples have occupied or conquered the area to call it their own. Before the Europeans took it over, the last tribe to do this was the Lakota Sioux (Lakota), a few of whom are offended that their ancestors were “conquered” or displaced.

Lakota man is not happy, but then, neither I suspect, were “the Cheyenne, Crow, Kiowa, and Pawnee,”

“…when the Lakota arrived in the 18th century, they drove out the other tribes and claimed the land for themselves. The lands soon became sacred to the Lakota Sioux, who called them Paha Sapa, which means “hills that are black.”

The Lakota drove them out, probably through barter, threats, shows of force, or violence. They conquered the land, taking it from the “indigenous people” who occupied it before them, just as those people had done to whoever came before they did.

Those lands and that mountain (Mount Rushmore) were likely unknown to the Lakota until the beginning of the American Revolution. Not sacred at all until much of the eastern seaboard was occupied by increasingly disgruntled Europeans.

That must mean that I can declare New England and as much of the Eastern United States as I feel inclined, sacred European Land. It had been occupied, systematically tamed, and culturally converted (through barter, threats, shows of force, or violence) beginning 150 years (more or less) before the Lakota stumbled into the Black Hills of South Dakota.


It drives the point home, yes? The mountain was there for a very long time, surrounded by other tribes or people (for about 10,000 years) before the Lakota killed or ran off the most recent “occupants” and decided the mountain was theirs and that it was sacred. About 200 years later, maybe less, the US government did the same thing to your ancestors and turned it into a national monument.

Related: Pilgrims, Indigenous Peoples, And Progressive Reprogramming on Thanksgiving

The only thing sacred is the perception that your claim was better than anyone else’s and the progressive desire to use that for political purposes.

Do you honestly believe the Left gives a damn about your past claims, sacred or otherwise?

You’d be a poor student of history if you did.



The post Don’t Forget, Today is NOT Indigenous People’s Day appeared first on Granite Grok.

Categories: Blogs, New Hampshire

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