The Growing Debate Over Fluoride

Fluoride is accepted as a significant dental public health achievement of the past century. It has been sold to the American public decade after decade as an essential tool in fighting tooth decay and cavities. While historically, the efficacy of fluoride in preventing tooth decay and cavities is well documented, recent scholarship is showing that there may be more to this chemical than we’ve been taught to believe.

More and more credible claims are suggesting that fluoride is a dangerous chemical in our water supply. In fact, the fluoride we use to fluoridate our water systems is a hazardous by-product of the phosphate fertilizer industry which consistently supports water fluoridation. These factories are earning a profit from their waste by feeding the American population a chemical that would otherwise be a pollutant. In addition, fluorosis – a condition caused by ingesting too much fluoride – is beginning to be seen as more serious condition than previously thought. The time is right for honest, open debate among all stockholders.

To begin the debate, I’ve found numerous reports on fluoride’s toxicity and shocking reports that the EPA and other government agencies have turned a blind eye to studies from the National Toxicology Program and the National Research Council. These studies have determined that fluoride could be cancerous. Other research, specifically from the University of Michigan’s School of Dentistry has found that fluoride ingestion is significantly higher among African Americans than among other ethnic groups.

Now I find myself asking, “Is this true, is Fluoride, the supposed dental miracle, contaminating our water supply and causing noticeable fluorosis and possibly cancer? Could the pressure of the phosphate fertilizer industry push policy makers to ignore the warnings? And what’s more, is fluoride causing these problems more commonly in the African American community than in other communities?"

What are your opinions on fluoride? How serious is this issue, and does the orthodoxy of water fluoridation need to be reexamined? If there are negative effects to water fluoridation, what can we do to mitigate them in the near future?

Assisted by Zachary Kady

Speculating on Grandma's Death: Wall Street's Gruesome Grab for Fees

Securitization of life settlements is yet another dangerous development for Main Street. Is this really what we need right now?

It just doesn't stop. Despite repeated lessons and tales from the brink (the collapse and near collapse of Lehman Brothers and Bear Stearns to name just a few), Wall Street is at it again. What now, you ask? Wall Street is securitizing life insurance policies. What the heck is that?

A recent New York Times article details "life settlements"--which have Wall Street executives' mouths watering. The premise is this--elderly people sell their life insurance policies for fractions of what they are worth to banks. Wall Street then repackages these policies into bonds, grabs fees and sells them, netting dealers even more fees--and creating another speculative industry. This time betting on when grandma will die. And what's next derivatives on these bonds.

Securitization of life settlements is yet another dangerous development for Main Street. Industry sources explain that insurance companies are able to maintain premium rates based on the profit they make from policy lapses. If life settlements are securitized and traded, Wall Street will pay the premiums and the insurance companies will be out the easy profits from the millions of policies a year that lapse. Ultimately they will be forced to raise premiums to continue earning profits. Who, then, will suffer the true consequences? Main Street, once again.

Is this really what we need right now? In a time when the economy is inching towards a recovery from a crisis caused by precisely what is presented here: the opportunity for a new overaggressive and under-regulated speculative market? And who is going to be able to regulate these new instruments of greed so that Main Street does not become the victim?

We have a better idea for Wall Street.

Go back to basics. Finance renewable energy products, figure out an innovative way to finance new infrastructure--so sorely needed. Maybe even come up with a new micro-loan product that works for hard working Americans who want to start small businesses.

Let's let the securitization of life insurance policies die a peaceful death.

Assisted by David Martin and Jessica Begen.