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    August 29

    Weekly Round-Up 8/28 (Belated)

    Time for another round-up of interesting articles from around the net.  Let's start with someone who is quickly becoming one of my favorite "vloggers", Steven Crowder:
     

     

    Now onto the rest of the internet fun:
     
    Here is the Weekly round-Up Health Care Update:
     
     
    Bonus Video, Watch Milton Friedman own Donahue:
     

     

    Evil Out

    August 27

    Your Children are Counting You...

    Part of the biggest Census outreach effort is targeting grade-school classrooms with kits, coloring books and other teaching aids that children can take home to Mom and Dad.
     
    I ran across this news article from USA today and about fell out of my chair in disbelief.  The jist of the article is that the Government is coordinating with schools to educate children about the constitutionally mandated decennial census.  The reason is to:
    "...send posters, teaching guides, maps and lesson plans to every school in the nation, Puerto Rico and U.S. island territories to encourage everyone to participate in the national count."
    On the surface it is an innocuous sounding program.  The true goal of the program is hinted at a little later in the text of the article:
    "It's extremely important for us," says Michael McGrady, associate director for partnership development at the National Head Start Association, which promotes school readiness for low-income children and their families. "Historically, Head Start families have been undercounted and that has a negative effect on their communities."
    Census activists have complained for decades that the poor are under-counted in the census.  This has encouraged them to advocate for techniques such as imputation and other statistical techniques other than the method of direct count as mandated by the Constitution.  This is above and beyond the seeming politicization of the census that the Administration has already undertaken.  While I am not adverse to using statistical techniques and other modern methods to perform the census, this idea of using children to "guilt" families into complying with the census is hard to accept.  Not to mention I have a real problem with the Federal Government dictating classroom curriculum.
    Between January and March, the Census Bureau will help plan a week of Census education in schools. During Census Week, teachers will devote 15 minutes every day for five days to the topic by discussing such things as civic participation, confidentiality or geography
    This sort of indoctrination and coerced curriculum is one of the many reasons that I feel like Government schools are doing as much harm to our society as good.  When the Government is the source of your education, Government will teach you what benefits it the most.  Over the years this is one of the driving forces that have moved us from a society that cherishes freedom, independence, and personal responsibility to one that cherishes group identity, Government support, and passing the buck.
     
    How long before it goes from "teaching" your children about the census to "using" your children to enforce census counts?
     
    Evil Out
     
    August 25

    Success, Government Style

    Let's look at a successful program, Government style.  This program is 2 Billion dollars over budget, was unable to provide its benefit over the predicted course of the program, has not payed out its owed benefits, is putting not only the Government, but also consumers into debt, and had to be ended early because the Government was unable to process the paperwork fast enough to keep the program going.  Talk about success.
     
    This is success "Cash for Clunkers" style.  We keep being told this is a popular program...as if that justifies the problems with it.  For example, in this rather positive article about the last days of the program, you can see some of the underlying problems with the program.  It is going to be a temporary boost in sales and has encouraged poor consumer behavior because of the perceived "free" benefit.
    "It revived an industry that was pretty much dying," said Dominick Montello, a manager at Long Island City Hyundai/Mitsubishi. "I wish it would run forever. People aren't even negotiating prices. They just say give me my $4,500 and where do I sign?"
    Like many other buyers, Washington was not really thinking of buying a new car. The prospect of a $4,500 refund and a car that uses less gas persuaded him to let go of his clunker.
     
    "I love my new car. It looks great," Mario Ciminera said. "I was thinking of getting a new car eventually and this just gave me the push I needed."
    The article does give brief lip-service to the bureaucratic problems of the program, but doesn't dwell on it.  All across the media the story has been the success of this program.  The problem that the media is ignoring is that popularity and success are two different things and that they do not actually mean the same thing.  On the surface Cash for Clunkers may seem like a success, it has boosted car sales for the past 3 weeks.  However, when you look below the surface you see the real problems.
     
    • A large number of purchases are from consumers who already were planning to buy a car and this simply changed when, not if, they were going to buy.
    • The program has increased to debt load of almost 3/4 of a million people at a time when most financial advisers recommend saving over spending.
    • Almost 750,000 used cars have been removed from the market, reducing vehicle options for the low-income and poor.
    • The program has spent almost 3 times the amount of money it was budgeted to spend.
    • Less than 10% of the money has actually been given to the dealers, many of whom had to stop participating in the program because they spent their own cash reserves to float the $3500-$4500 per car rebate.
    • The Government did not anticipate the demand and not only underestimated the cost, but also the amount of labor involved and had to extend the filing deadline not because of the "popularity" of the program, but because they could not keep their website up and running.

    There will be some interesting long-term and unexpected consequences with this program.  I predict three of them will be; a depressed used car market and corresponding business failures, a depressed new car market for the remainder of the year, and an increase in repossessions and loan defaults by the end of the year.  I may just be pessimistic, but we will see.  After all this was success, Government style.

    Evil Out

     
    August 21

    Weekly Round-Up 8/11

    A little belated, but here is the Weekly Round Up for 8/21
    To start the week off, watch this little video about whether or not college is worth the expense:
     
      
    For a more recent interview with Dr. Vedder, check out this video.  I don't agree with all of his conclusions, but he makes quite a bit of sense about the excessive price of higher education. 


    Is the Government going to use the health care reform bill to collect credit info from all Americans?

    Is the VA "Death Book" a glimpse into Government "Death Panels"?

    How to hold an "open" town hall meeting 

    Greenpeace lies? Say it ain't so.
    Twitter being used for evil
    However, Twitter can also be used for good
    3 men, 140 million credit card numbers...what could go wrong?
    "Free to Choose"...watch the whole series here
    Fake DNA...the future of falsely implicating others
    Regulating "astroturf" would harm real protest groups
    When should free speech not be free?
    Didja know that Libertarians are the source of the racist violence of the past 150 years...
    Alas, poor Cash for Clunkers...I knew the well
    The most effective treatment for heroin addicts is giving them minor doses of heroin...imagine that
    Technology has produced the perfect coffee mug
    The private sector will lead future space programs...about damn time
    And commissions like this are why NASA is failing
    Panels like this, where the FCC wonders just what is broadband, are one of the many reasons people are scared of government health care
    Can open source textbooks finally break the ridiculous costs of college textbooks?
    Cool, Video Ads in a print magazine
    For all of us who ever thought the computer was cheating...you may be right

     

    Evil Out

     

    August 20

    The Neverending Story...

         For good or ill, the health care reform debate continues.  I know many people are beginning to suffer burnout (myself included).  However, this is an issue that will not only affect a huge portion of our nation's economy (about 1/6), but also will directly affect the lives of every American at one point or another.  The public pressure seems to be having an effect on lawmakers and as a result the Administration has been floating a number of trial balloons recently.  Everything from removing the Government Option to Health Co-Ops to Going it Alone (IE sans Republicans).  The Amazing thing about this is that the Administration seems to be unprepared for the backlash it has been getting and has reneged on most of it's trial balloons as soon as they were floated.  The President has even turned to the classic Looter tactic of using moral conscious to guilt us into reforming health care.  I think the sweeping health care legislation that the President and Congressional leaders wanted is DOA, but I am sure that there will be some sort of legislation passed that can be pointed to as "health care reform".  Remember that we don't even have a single bill in either house of Congress.  So the American people need to stay on top of this until the current debate goes down in flames and we can have a serious debate about Government health care reform, starting with fixing the problems with Medicare and Medicaid.
     
    Here are some interesting articles on the health debate over the past few days:
     
    No institution has been the butt of more government- inefficiency jokes than the U.S. Postal Service. Maybe the Department of Motor Vehicles.
    The only way the post office can stay in business is its government subsidy. The USPS lost $2.4 billion in the quarter ended in June and projects a net loss of $7 billion in fiscal 2009, outstanding debt of more than $10 billion and a cash shortfall of $1 billion. It was moved to intensive care -- the Government Accountability Office’s list of “high risk” cases - - last month and told to shape up. (It must be the only entity that hasn’t cashed in on TARP!)
    That didn’t stop President Barack Obama from holding up the post office as an example at a town hall meeting in Portsmouth, New Hampshire, last week.
    When Obama compared the post office to UPS and FedEx, he was clearly hoping to assuage voter concerns about a public health-care option undercutting and eliminating private insurance.
    What he did instead was conjure up visions of long lines and interminable waits. Why do we need or want a health-care system that works like the post office?
    Left out of this fairly naked effort to demonize a great many with the actions of a tiny few is the simple fact that Obama-care -- however defined -- has been tanking in the polls for weeks. President Obama's handling of health care is unpopular with a majority of Americans and a majority of self-proclaimed independents.
    Focusing on the town halls certainly has its merits, but if you actually wanted Obama-care to pass, casting a majority of Americans as being stooges of racist goons may not be the best way to go.
    [The President's]...campaign skills have not easily transferred to the humdrum business of governance. So much so, that his best chance for reelection requires the remainder of his legislative program to fail. 
    Why? For decidedly academic reasons: His campaign rhetoric rests on implicit ceteris paribus assumptions that can't hold good. Ceteris paribus is a bit of fancy Latin that means, "all other things being equal." It is an intuitive way to hedge one's bets about the future, by saying that some specified change in a complex system will have its desired effect, assuming that everything else remains unchanged.
    Amid all the controversies over medical care, no one seems to be asking a very basic question: Why does it take more than 1,000 pages of legislation to insure people who lack medical insurance?
    Despite incessant repetition of the fact that millions of Americans do not have medical insurance, hardy souls who have actually read the mammoth medical care legislation being rushed through Congress have discovered all sorts of things there that have nothing whatever to do with insuring the uninsured-- and everything to do with taking medical decisions out of the hands of doctors and their patients, and transferring those decisions to Washington bureaucrats.
    That's called "bait and switch" when an unscrupulous business advertises one thing and tries to sell you something else. When politicians do it, it is far more dangerous to far more people. 
    Recently I was listening to a radio program in which the host explained that in a few states health insurance policies issued by Blue Cross/Blue Shield were available at extremely reasonable prices, about $100 a month. The very first caller into the program demanded to know exactly what the annual deductible was in plans like this. When the host said $3,000 to $5,000 the caller responded, that isn't health insurance but catastrophic insurance. It's too expensive and that's why we need health care reform from Washington, he continued.
    And there lies one of the problems with the health insurance reform debate. State government mandates and favorable tax treatment in Washington have so distorted the market for health insurance that a generation of Americans now look on medical coverage as something very different from other kinds of insurance that we buy. While we will pay several hundred bucks out of our own pockets to have a plumber come repair a leaky pipe, we'll balk at deductibles and a $50 co-pay for a doctor's visit. We've been schooled in this attitude by politicians who have mandated that health insurance do things that we'd never expect from other kinds of insurance, and by consumer advocates who will demand our legislators do something about a health insurance company that doesn't cover some optional procedure that has nothing to do with life and death.
         Well there are some interesting tidbits to chew on.  Read, become informed, and don't let the pressure up until we can shift this debate to a true reform of the health care system and not just a Government power grab of our freedoms.
     
    Evil Out.
    August 16

    The President Speaks Out

    In an editorial in the NY Times today, President Obama talks about why we need health care reform.  At the heart of his article you can see how he continues to shift this debate towards demonizing insurance companies as opposed to serious talk about health reform.  Here are a few examples:
    What we haven’t heard are the voices of the millions upon millions of Americans who quietly struggle every day with a system that often works better for the health-insurance companies than it does for them.
     
    These are people like Lori Hitchcock, whom I met in New Hampshire last week. Lori is currently self-employed and trying to start a business, but because she has hepatitis C, she cannot find an insurance company that will cover her. Another woman testified that an insurance company would not cover illnesses related to her internal organs because of an accident she had when she was 5 years old. A man lost his health coverage in the middle of chemotherapy because the insurance company discovered that he had gallstones, which he hadn’t known about when he applied for his policy. Because his treatment was delayed, he died.
     
    ...by making Medicare more efficient, we’ll be able to ensure that more tax dollars go directly to caring for seniors instead of enriching insurance companies.
     
    ...reform will provide every American with some basic consumer protections that will finally hold insurance companies accountable. A 2007 national survey actually shows that insurance companies discriminated against more than 12 million Americans in the previous three years because they had a pre-existing illness or condition.
     
    Our reform will prohibit insurance companies from denying coverage because of your medical history.
     
    Almost everyone knows that we must start holding insurance companies accountable and give Americans a greater sense of stability and security when it comes to their health care.
     
    We are already closer to achieving health-insurance reform than we have ever been.
    The devil that is being attacked in his article is the insurance companies.  According to the President all evils in our current system flow down from those evil companies who want to make a profit.  Notice that last quote...health-insurance reform...I thought this debate was about health care reform.  Those are two separate issues.  Also look at the paragraph giving the anecdotal examples of insurance causing problems...if you have been reading health care literature on both sides, anecdotal evidence can be found supporting reformers and opponents.  However, the real question about those anecdotal examples...did those people have trouble obtaining health care?  Or was it simply a matter of finding a health insurance company that would pay for their care...That is a critical question when you are talking about health care reform.
     
    The President talks about controlling costs and reducing waste and fraud...all noble goals, but goals that need to be achieved primarily within the current Government controlled areas of health care, Medicare and Medicaid.  Notice how little in his article the discussion of reforming and controlling the Government's already spiralling costs come up.  He has four "points of reform" that he believes their reforms will address.

    First, if you don’t have health insurance, you will have a choice of high-quality, affordable coverage for yourself and your family — coverage that will stay with you whether you move, change your job or lose your job.

    This sounds great, but how exactly are you going to guarantee high-quality, affordable, and mobile coverage?  More importantly how are you going to provide this for people who already have difficulty affording health coverage?  I thought reducing costs was important...

    Second, reform will finally bring skyrocketing health care costs under control, which will mean real savings for families, businesses and our government. We’ll cut hundreds of billions of dollars in waste and inefficiency in federal health programs like Medicare and Medicaid and in unwarranted subsidies to insurance companies that do nothing to improve care and everything to improve their profits.

    Ah, here is some lip-service to controlling costs in Medicare and Medicaid...he talks about controlling "skyrocketing" costs...note that he doesn't really say how.  Cutting waste and fraud in Medicare and Medicaid will control the costs for those programs, but what about real cost saving measures such as tort reform or ending the practice of underpaying for services by Medicare and Medicaid that causes those costs to be shifted to customers with insurance?

    Third, by making Medicare more efficient, we’ll be able to ensure that more tax dollars go directly to caring for seniors instead of enriching insurance companies. This will not only help provide today’s seniors with the benefits they’ve been promised; it will also ensure the long-term health of Medicare for tomorrow’s seniors. And our reforms will also reduce the amount our seniors pay for their prescription drugs.

    Unless I missed all the talk and exposes about Medicare paying insurance companies, Medicare actually pays doctors and service providers.  Not sure how that "enriches" insurance companies.  Once again lofty goals given with no specifics.  I can do the same thing.  My health care reforms will prevent global warming and enrich the world's poor and cure balding.  See how easy that is.

    Lastly, reform will provide every American with some basic consumer protections that will finally hold insurance companies accountable. A 2007 national survey actually shows that insurance companies discriminated against more than 12 million Americans in the previous three years because they had a pre-existing illness or condition. The companies either refused to cover the person, refused to cover a specific illness or condition or charged a higher premium.

    Let me see, a private company is providing me a service for a fee.  That company needs to ensure that at minimum it doesn't lose an unreasonable amount of money giving me that service (that I went to them to ask for, BTW) and preferably makes a little profit.  So that company is unwilling to take risks on someone who will be too expensive or wants to charge that person more to provide the service in order to recoup their costs...and this is a problem?  When are we going to talk about car insurance reform.  I am pretty sure that there are millions of people denied coverage or asked to pay higher premiums because of their pre-existing condition of being a lousy driver.  How about those evil banks who deny millions of people coverage (loans) because they have the pre-existing condition of not paying their bills on time?

    The President has decided to move this debate away from one about reforming the problems with our health care system and moving it to one of demonizing health insurance companies to pass his agenda.  I know many people have had difficulties dealing with insurance over the years, but that is not a reason to create a massive Government grab for control over the health care industry.  Not to mention the proposals to force Americans to purchase health insurance.  Having the Government demand that you spend your own resources at the point of a gun is never beneficial.

    Let's end with this nice little point of hypocrisy by the President.  It is a rhetorical technique that he uses often, but this example takes the space of two sentences.

    In the coming weeks, the cynics and the naysayers will continue to exploit fear and concerns for political gain. But for all the scare tactics out there, what’s truly scary — truly risky — is the prospect of doing nothing.

    So let me get this straight, cynics and naysayers will exploit fear for political gain, but you can exploit fear for your own purposes?  The rest of the paragraph even ramps up the fear and worry that the President is using to convince you to accept his agenda...who exactly is using fear or is just that your fear mongering is good and theirs is bad?

    Add this article to the speculation that the President is backing away from the "Public Option" and it is starting to look like the administration and Congressional leaders are getting desperate to pass something, anything, that they can point to as "reform".

    Personally I want this whole effort to go down in flames until Congress cleans up the current Government controlled health care programs, Medicare and Medicaid.  Maybe then we can talk about them meddling with the rest of us.

    Evil Out

    August 15

    The Blue and Green Show

        Here is the Green Industry at its finest :P

      

         On a more serious note, in an article titled The Green And Blue Convergence, Ronald Brownstein over at the National Journal talks about a merging connection between the growing "Green Energy" sector and Democrats political interests.  Quoting:

    Rarely has the Democratic Party identified as unconditionally with an industry as it is doing today with the emerging clean-energy sector, the companies and investors leading America's transition toward a lower-carbon economy that relies less on fossil fuels and more on efficiency and such renewable power sources as solar, wind, and biomass. If the industry grows as its supporters hope, this emerging alliance could profoundly shape not only the nation's energy strategy in the 21st century, but also its politics.

         Now it is never a surprise when political and business interests collide.  In fact a good portion of the article is spent talking about how "Big Oil" has joined with conservative politicians to support their business interests.  While you can't argue that the energy industry in this country receives huge tax credits and incentives from the Government, I find it interesting that within his article he identifies the underlying reason why Green industries have flocked to Democrats as opposed to Republicans.  First about the oil and gas industry:

    Because they generate so much wealth, energy interests always influence politics. For decades, oil and gas companies have treated Washington like an especially lucrative well: They have pursued tax breaks (such as the oil depletion allowance) and diplomatic help in securing supplies abroad while resisting any other federal economic or environmental regulation, such as limits on the carbon emissions linked to climate change.

         Notice that the benefits that these industries have primarily pursued are mostly focused on getting Government out of their business.  From reducing the amount of money confiscated from them to reducing foreign red-tape to preventing onerous regulations.  Looking at the principles that underlay their political dealings it becomes obvious why they would pursue those goals mostly with the party who traditionally stands for reducing Government.  Contrast that with the benefits that the Green Energy sector are pursuing:

    As this alternative energy industry expands, it is evolving along a very different path than the fossil fuel giants followed. Most of the clean-energy industry's leading voices think that their prosperity depends upon government involvement on four fronts: regulating carbon emissions so that coal, oil, and other fossil fuels bear the cost of their contribution to climate change; mandating that utilities use more renewable power; setting stiff energy-efficiency standards; and increasing federal research into new technologies.

         All of the goals that Big Green is pursuing have to do with increasing Government involvement and regulation in the energy market.  Rather than attempt to reduce the hand of Government to level the playing field by trying to attract tax breaks and incentives or to remove barriers to competition, these companies are attempting to use the Guns of the Government to forcibly change the playing field.  By advocating for more regulation and mandates is it any wonder that these businesses are turning to the Democrat party who traditionally supports the expanding hand of Government?

         Just something to think about when you start looking at which businesses support which candidates and which parties.  The more a party reaches out to Democrat interests the more that party wants expanding Government and conversely the more a party reaches out to the Republicans minimizing Government expansion is often their goal.

    Evil Out

    August 14

    Weekly Round Up 8/14

    Join the MOBS!!! Against Health Care Reform….FLAG YOURSELF!!!
     

    Turns out is was a Russian attack against a single Blogger.
    Townhall MOSH PITS
    Sad day for rockers everywhere…RIP Les Paul
    Yet another reason the DMCA was one of the worst pieces of legislation since the ADA
    Sure the Deficit is big, but hey at least we are setting records
    Grassroots or Astroturf…hard to tell anymore
    Green jobs?  What Green Jobs?
    Red Pill?  Blue Pill?  Obama as Morpheus
    Republicans are falling back on the playbook of a Radical Union Organizer
    According to the President the stimulus package is saving the enonomy...Oh Really?
    The animals are CRAZY…almost as CRAZY as an anti-healthcare MOB
    Think you can copy the DVDs you own?
    Think Again…
    How to survive without your iPhone
    Speaking of phones, check out these stylish…er…unique models
    Virtual surgery may be the future of surgeon training…or maybe just the only healthcare we can get in a few years
    Why you should jailbreak your iPhone
    http://www.wired.com/techbiz/people/magazine/17-08/st_thompson
    The solution to our healthcare problems?  Simple, just stop the aging process
     
    There is your fun for the week...now I am going to go FLAG myself
     
    Evil Out
    August 13

    The Commentator Trinity

         I read many articles and news items over the course of the week and I see the names of many authors.  There are notable ones; Morris, Rove, Krauthammer, Barone, Kudlow, Dowd, Broder, and many more.  However, there are three authors that I will always make a special effort to read.  They are my commentator trinity; Camille Paglia, Thomas Sowell, and John Stossel.  Each has a strong voice and strong opinions that tend to go against what many others in their fields believe.  All three have strong Libertarian tendencies, and they cross the cultural spectrum from Liberal to Conservative. 
     
         Paglia is a Humanities Professor and author with strong Liberal beliefs, but she is a keen observer of politics and culture and is not afraid to skewer even those in power who she likes.  She is also one of the few Liberals in the media who not only acknowledges that she listens to talk radio, but defends it as a legitimate form of political discourse.  She was one of the few feminists that did and still does defend Sarah Palin and her brand of feminism.  If you are uncomfortable with her social stances then just read the first page of her monthly column, but I recommend you follow her column every month.  Here is her latest column that talks about the missteps of the President in the healthcare debate and other topics.
     
         Sowell is an award winning Economist and author who hails from the Conservative side.  He is a true laissez-faire believer and mouthpiece for Libertarian economic principles.  He is one of the few anti-Keynesian voices that writes regularly and as a black man he has many political views contradictory to the stereotypical black political figure.  He has written two of the best books about economics that I have read; Basic Economics: A Common Sense Guide to the Economy and Applied Economics: Thinking Beyond Stage One.  He writes frequently about the subjects of the day and I always read his columns.  Here is his latest column which is a series of random thoughts about the news of the day.
     
         Stossel is a reporter, commentator, and co-anchor of 20/20.  He is probably the most recognizable and strongest Libertarian voices in the media.  He started his career as a consumer advocate reporter and over time has transferred that advocacy to advocating Libertarian ideas and freedom through his regular spots and specials on television.  In a land of Liberal bleeding hearts, he has worked his way up and has pretty free reign to highlight the problems caused by the heavy hand of Government and the fallacies of much of the “conventional wisdom” in our society.  Here is his latest column that talks about why the large businesses that will be most affected by healthcare reform are supporting and advocating for it.
     
    Read and Enjoy
     
    Evil Out
    August 10

    Real Healthcare Reform

         I promised last week that I would offer some solutions to healthcare reform instead of just being a naysayer to the President and Congressional Leadership plans.  The striking difference between my approach and that of those in power is that my reforms are all Patient or Freedom Based Solutions that empower individuals, reward personal responsibility, and encourage more personal knowledge and control of your health care as opposed to the Government Based Solutions that are coming from Congress that diminish personal responsibility and expand Government control.

         None of the following proposals are original ideas from me, all of them are proposals that I have learned about over the years and not only make logical sense, but also have numbers to back them up.  I will list the proposals, providing links to supporting documents, and then talk about them each in a more in-depth manner.  These are the 6 proposals for reforming the American health system that I support:

     

    ·         Remove Corporate Tax Break for health insurance

    ·         Remove “mandated” levels of coverage

    ·         Allow insurance purchase across state lines

    ·         Malpractice Reform

    ·         Encourage rather than discourage retail clinics

    ·         Encourage companies to continue to compete for health care dollars

     

    Remove Corporate Tax Break for health insurance and Extend it to individuals

     

         One of the largest tax breaks the Government provides is the employer break for providing health insurance.  The basis of this break is that any money that is spent by an employer providing health insurance is credited as a sizable tax break for the company.  For the individual that purchases health insurance on their own there is no corresponding tax credit.  This has the effect of making health insurance more expensive for individuals to purchase on their own, because in effect the money they would spend on health insurance has already been taxed.  This means that an individual buying the same insurance as the company provides at the same price as the company would still spend as much as 50% more for the plan.  This is because the individual’s money has already been reduced by up to 50% from Federal, State, and Local taxes before they even purchased the insurance.

         This tax break has also had the effect of reducing individual wages since every dollar a company spends providing benefits is a dollar it is not directly paying to that individual.  Also companies have a tendency to purchase far more insurance coverage than is needed for most individuals, further skewing the costs of health care and removing any personal responsibility from controlling health costs.  Removing this tax break, along with some of the other reforms I propose would increase personal wages and allow more control over the scope and breadth of insurance an individual could purchase.  The only problem of simply eliminating this tax break is that it would most likely be a net tax increase on individuals.  Therefore I also believe that at the same time the corporate tax break is eliminated that an individual tax break should replace it.  (After all I am all for people paying less in taxes)

        Just a small personal example of how this could benefit an individual.  My company currently provides a number of insurance plans.  The plan I am currently enrolled in is a “high deductible” plan where I am responsible for the first $3200 of healthcare I spend each year and the insurance covers 100% of my bills after that point.  In addition my employer pays the first $2000 of my health expenses each year.  My current premium is $150/mo.  For this coverage my employer pays an additional $173.79/week beyond my premium.  Adding the $2000/yr of the deductible to that weekly total means my employer pays ~$11,000/yr for my health coverage.  Now let’s pretend that the employer tax break is removed and my employer returns just 50% of that money to me in increased wages, I would be making an additional $5500/yr.  If I add in my $150/mo I already pay and add that to the $5500, then turn that all back into insurance I would have about $610/mo to pay for premiums or sink into an HSA.  Doing a quick online check of insurance plans there is quite a range of plans that I could afford that would be as good, or better than my current plan and it would all be with tax free dollars.  There are also high deductible plans as cheap as $150/mo and if I just sank an extra $250/mo into an HSA, I would be $210/mo ahead of where I am now.  Not only that I would be the one in charge of my health coverage and it would be mine no matter what job I had or even if I lost my job.

     

    Remove “mandated” levels of coverage

     

         Whether you realize it or not the State and Federal Governments have put upwards of 2000 mandated levels of coverage on health insurance plans.  The result is that if you are purchasing health insurance, you must pay for levels of coverage that go far beyond what you may want or need.  While the goal is to “insure” that no one finds themselves going to the hospital and suddenly not being covered for certain diseases, illnesses, or situations, the effect is that many people buy coverage that does nothing but increase their premiums.   The overall effect of these mandates is an overall increase in total insurance premiums of 20% - 50% more than they would be otherwise.  They also remove any chance of negotiating levels of coverage to tailor an insurance plan to you and your family’s basic needs. 

         The most basic example of this I can think of is Maternity coverage.  About half the states in the country demands that an insurance plan that covers a family include maternity coverage.  This is completely independent of the desire, ability, or lack thereof the couple to have a child.  This single mandate and all of the associated newborn coverage that most of these states require as well, add up to 5% to the cost of a family plan.  That means a plan that would normally cost $500/mo would have an additional $25/mo or $300/year.  This may not seem like much, but for a couple like me and my wife who have undergone the medical procedures to prevent further pregnancies that money would be enough by itself to pay my water bill for the year.

     

    Allow insurance purchase across state lines

     

         This proposal goes hand in hand with the previous proposal.   Currently if I live in a state that mandated so-called mental health “parity”, where mental health is covered directly by the health insurance plan, I would already be paying 10% more for my insurance.  Add to that if I lived in one of the states that mandated Invitro-fertilization and pregnancy benefits that would be 20% more that my health insurance would cost me than if I lived in a state without those mandates.  By opening up insurance competition across state lines I could chose to purchase the health plan that best represented my current needs and not those demanded by my state politicians.  This would also mean that states would experience pressure to drop mandates as insurance companies would look to headquarter themselves where they could offer the widest range of coverage with the least amount of mandates.  The increased choices and competition would allow individuals to purchase the plan that best represents them and their needs and would also have the added benefit of driving down the costs of the most basic of insurance plans, making it more affordable to those at the margins who are more worried about losing everything because of an unexpected cancer than experiencing higher bills because they are forced to cover pregnancy.

     

    Malpractice Reform

     

         While there is some debate on the exact cost to the American medical system of so-called “defensive medicine”, or unneeded tests and procedures ordered by doctors for no purpose other than safe guarding against medical malpractice lawsuits, no one denies that reforming malpractice law would decrease overall costs.  In addition studies show that the supply of doctors and specialists increases when tort reforms are enacted.  Increasing the supply of doctors and reducing the out of pocket costs would have an overall beneficial effect on the American healthcare system.  This is one of those reforms that would have a direct impact on healthcare costs in this country regardless of whatever other reforms were enacted.  Combine malpractice reform with a “loser pays” tort reform and most of those ridiculous lawsuits around the country would simply disappear.

     

    Encourage rather than discourage retail clinics

    Encourage companies to continue to compete for health care dollars

     

         The last two points really go hand-in-hand.  One of the most free market based approaches to reducing health care costs in the past decade have been undertaken by companies looking to make a profit.  So-called retail clinics in stores like Walmart, Walgreens, CVS, and Cosco have sprung up around the country as a low cost alternative to emergency rooms or doctors visits.  Often staffed by RNs, PAs, and perhaps a resident doctor, they are a great place for individuals to go who need some basic medical care, but not the full blown care of an emergency room or hospital.  Got the flu, an ear or sinus infection, perhaps a sprained ankle, or even diarrhea, then go to the clinic and have them diagnose and prescribe the basic antibiotics or other care needed.  All for a low cost, especially when compared to emergency rooms visits.  These clinics will also spring into areas that desperately need their services and provide alternatives for those who need them.  The problem is that recently the Government has started to step in and over regulate or even prevent these clinics.  The result has been lowered access and higher costs for those areas that are not served by low-cost clinics.

          In addition Government should encourage or at least step out of the way of companies who are competing for health dollars by sharply reducing generic drug costs, offering up basic medical clinics, expanding access to specialized health equipment, etc.  Reduce the cost of bringing new drugs or techniques to the market.  Step out of the way of private individuals who choose to order prescription drugs from alternative sources such as Mexican or Canadian pharmacies.  All of these options would have the effect of increasing competition for health dollars and encouraging more competitors to enter the markets, reducing prices and increasing choices for all.

     

    Conclusion

     

         There you have it, my personal suggestions for reforming healthcare.  Follow the links, read the documents, and do your own searching.  Then contact your Representatives and Senators and let them know you want to have some actual debate on health reform and not this rushed push for new Government control and mandates.  Show up at the town hall meetings and let them know that you want more, not less freedom in your medical choices.

     

    Evil Out

    August 07

    Return of the Weekly Round-Up 8/07 edition

    With a whimper I stopped doing the Weekly Round-Up a few months back, but I decided to restart it this week.  Basically the WRU is a chance for me to provide a dumping ground for all the news and weirdness articles I read every week, but don't have the time or inclination to actually blog about.  This is a good forum for others to perhaps find some informing or entertaining nuggets of info from around the net over the past week.

     

    You gotta watch this...

     

     

    OMG! You killed Twitter, you bastards!

    So the anti-healthcare reform MOBS are actually racists…

    Are the Democrats running scared?
    Paper video displays made with 70s technology
    Adaptive cruise control will automatically adjust your speed...could autopilot be far behind?
    Jurassic ale?
    Orwell's 1984 is alive and well in Britain
    Supercomputers used to take up a whole facility...now you can have one on your desktop
    HAARP exposed
    Plankton blooms may not be what global warming activists think
    When did we become ashamed of actually making money?
    Want to kill jobs...just raise the minimum wage
    The myths of "organic" farming
    Cows Kill
    Your tax dollars at work...at least its something interesting
    Surprise, as Government grows so do the number of Lobbyists
    The "secret" Libertarian roots of Little House on the Prairie
    There are a few good reasons to oppose "Cash for Clunkers"
    Why let people enter a into a free agreement with a business, when you can regulate it out of existence instead?
    Still don't think the “rich” pay enough in taxes?
    Government shortage of cybersecurity experts
    IR S3NDNG U TXT & H4CKNG UR FON
    America's most trusted dispenser of bias

    Is the President losing his support from comedians?
    Interview with the Gubernator?
    Class warfare major selling point of current agenda
    New anti-global warming activist movie
    What is wrong with the CARS program?
    Wii Sports Resort has already sold half a million copies
    10 ways to destroy the world
    The face of an anti-healthcare reform MOB
    Good news, the War on Terror is over...Mission Accomplished I guess
    Google the next target of Microsoft style anti-trust lawsuits?
    Are the feds likely to default on T-Bills?
    Where is the stimulus money going?
    The seasteading movement finally launches its first festival
    The Iphone app store goes underground
    Artificial self-assembling DNA...does that worry anyone?
    Just what we all need, tweeting appliances
    Yet another reason why the DMCA is one of the most intrusive piece of crap legislation passed in recent memory

     

    Evil Out

     

    August 06

    Organizers vs THE MOB!!!!

    Watch this video:

     

         Let’s do a bit of compare and contrast here.  The following are two emails that were sent by the Democrats and the Republicans to supporters about organizing efforts to support or oppose the healthcare reform bills coming out of congress.  Both groups are soliciting for their activists to attend town hall meetings and congressional sit-downs, but as the video above shows one side is being labeled a MOB!!! while the other are being called organizered volunteers.  I’ve added emphasis to the emails.

    First up from the President and the DNC:

    This is the moment our movement was built for.

    For one month, the fight for health insurance reform leaves the backrooms of Washington, D.C., and returns to communities across America. Throughout August, members of Congress are back home, where the hands they shake and the voices they hear will not belong to lobbyists, but to people like you.

    Home is where we're strongest. We didn't win last year's election together at a committee hearing in D.C. We won it on the doorsteps and the phone lines, at the softball games and the town meetings, and in every part of this great country where people gather to talk about what matters most. And if you're willing to step up once again, that's exactly where we're going to win this historic campaign for the guaranteed, affordable health insurance that every American deserves.

    There are those who profit from the status quo, or see this debate as a political game, and they will stop at nothing to block reform. They are filling the airwaves and the internet with outrageous falsehoods to scare people into opposing change. And some people, not surprisingly, are getting pretty nervous. So we've got to get out there, fight lies with truth, and set the record straight.

    That's why Organizing for America is putting together thousands of events this month where you can reach out to neighbors, show your support, and make certain your members of Congress know that you're counting on them to act.

    But these canvasses, town halls, and gatherings only make a difference if you turn up to knock on doors, share your views, and show your support. So here's what I need from you:

    Can you commit to join at least one event in your community this month?

    In politics, there's a rule that says when you ask people to get involved, always tell them it'll be easy. Well, let's be honest here: Passing comprehensive health insurance reform will not be easy. Every President since Harry Truman has talked about it, and the most powerful and experienced lobbyists in Washington stand in the way.

    But every day we don't act, Americans watch their premiums rise three times faster than wages, small businesses and families are pushed towards bankruptcy, and 14,000 people lose their coverage entirely. The cost of inaction is simply too much for the people of this nation to bear.

    So yes, fixing this crisis will not be easy. Our opponents will attack us every day for daring to try. It will require time, and hard work, and there will be days when we don't know if we have anything more to give. But there comes a moment when we all have to choose between doing what's easy, and doing what's right.
    This is one of those times. And moments like this are what this movement was built for. So, are you ready?

    Please commit now to taking at least one action in your community this month to build support for health insurance reform:

    http://my.barackobama.com/CommitAugust

    Let's seize this moment and win this historic victory for our economy, our health and our families.
    Thank you,
    President Barack Obama
    Paid for by Organizing for America, a project of the Democratic National Committee -- 430 South Capitol Street SE, Washington, D.C. 20003. This communication is not authorized by any candidate or candidate's committee.

    Now for an email from Michael Steele and the RNC

    The Democrat National Committee (DNC) released a memo late yesterday attacking you as a right-wing extremist.
     
    We saw this sort of vitriolic rhetoric this past April when Democrats smugly dismissed grassroots protests against their out-of-control spending. These Tea Parties were ruthlessly mocked by the liberal elites and the mainstream media.
     
    Now as public support for the Obama Democrats' government-run health care plan unravels, they're using this fear-and-smear tactic to silence ANY American who disagrees with their risky scheme to nationalize one-fifth of our economy and limit your health care choices. It's a page out of their standard playbook of name calling and outright lies to stifle all debate.
     
    Republicans want responsible health care reform that makes health care more affordable and accessible, and keeps you and your doctor in charge of your medical choices -- but we want to get it right and we want to do it without ramming it through Congress on a trumped-up deadline.
     
    Help Republicans fight back against Obama and his political attack dogs' dishonest vitriol and tell them your voice will not be silenced. Please read the memo below from the DNC and make a secure online contribution of $25, $50, $100, $500 or $1,000 to counter the Democrats' outrageous and false charges today.
    Sincerely,
    Michael Steele
    Chairman, Republican National Committee
    ________________________________________
    From: XXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
    Sent: Tuesday, August 04, 2009 4:03:58 PM
    To: XXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
    Subject: DNC Statement on Republican Mob Rule
    For Immediate Release
    Date: August 4, 2009 Contact: DNC Press Office
    Phone: 202-863-8148

    Statement from DNC Communications Director Brad Woodhouse on the Republican Party and Allied Groups' Mob Rule

    The Republicans and their allied groups - desperate after losing two consecutive elections and every major policy fight on Capitol Hill - are inciting angry mobs of a small number of rabid right wing extremists funded by K Street Lobbyists to disrupt thoughtful discussions about the future of health care in America taking place in Congressional Districts across the country.

    However, much like we saw at the McCain-Palin rallies last year where crowds were baited with cries of 'socialist,' 'communist,' and where the birthers movement was born - these mobs of extremists are not interested in having a thoughtful discussion about the issues - but like some Republican leaders have said - they are interested in 'breaking' the President and destroying his Presidency.

    These mobs are bussed in by well funded, highly organized groups run by Republican operatives and funded by the special interests who are desperately trying to stop the agenda for change the President was elected to bring to Washington. Despite the headline grabbing nature of these angry mobs and their disruptions of events, they are not reflective of where the American people are on the issues - or the hundreds of thousands of thoughtful discussions taking place around kitchen tables, water coolers and in homes.

    The right wing extremists' use of things like devil horns on pictures of our elected officials, hanging members of Congress in effigy, breathlessly questioning the President's citizenship and the use of Nazi SS symbols and the like just shows how outside of the mainstream the Republican Party and their allies are.
     
    This type of anger and discord did not serve Republicans well in 2008 - and it is bound to backfire again.
    ________________________________________
    Republican National Committee | 310 First Street, SE | Washington, D.C. 20003
    p: 202.863.8500 | f: 202.863.8820 | e: info@gop.com
    Paid for by the Republican National Committee.
    310 First Street, SE - Washington, D.C. 20003 - (202) 863-8500
    Copyright 2009 Republican National Committee
         Now the Republican email didn’t really call out the masses, but the Democrat memo that it included called the Republican groups mobs, extremists, highly organized, and even obliquely called them Nazis. This is how a group of people who are concerned about healthcare reform is being attacked for showing up at events and making their voices heard.  Which is the exact same thing the President, the DNC, and this “highly organized” group Organizing for America is planning on doing and calling for.  So if the voices and groups being heard from are against the healthcare reform they are MOBS!!!, but if they are for healthcare reform they are simply regular people making their "voices heard"….
     

    Looks to me like someone is working hard to demonize their opponents in order to dismiss the complaints they are hearing.  In fact, I heard this exact line of argument from several members of congress in order to ignore the opposition.  You can’t have it both ways.  An organized group of protesters is an organized group of protesters whichever party they belong to.  So let’s see some of those Democrat MOBS!!! get out there and have a showdown with the Republican MOBS!!!.  After all that is what political discourse and true grassroots activists do. They show up in groups and try to change things.  So listen to the groups and don't just dismiss them out of hand as the other side's MOB.  So polticians just shut up, let the people talk, and perhaps even actually listen to them..

    Evil Out

    August 05

    The Healthcare Five Step

         Jay Cost over at Real Clear Politics has a well written analysis of the political shape of the healthcare debate.  He outlines what he feels are the five big mistakes that the President and Congressional leaders have made in attempting to get a healthcare bill.  They are:
    • No consistent message
    • Divided messengers
    • Bad timing
    • No clear legislative strategy

    and then the one that I think is the largest problem:

    • Too much at once:

    "The scope of this bill might simply be too great. Congress is not well-suited for tackling omnibus issues such as "health care reform." The larger the issue a bill deals with, the more likely a member will find some provision in it that he or she just cannot stomach, and the less likely the bill will pass. Congress is much better at passing bills whose scope is more narrow."

         This seems to be the largest problem right now for the President.  If you look at the healtcare system there are basically two major problems, rising costs and lack of coverage.  Sure there are other issues out there, portability, pre-screening, etc, but cost and coverage are the largest issues facing our system.  Tackling one of those issues at a time would be a better strategy for attacking the issues in our health system than this shotgun approach that has more to do with Government power than fixing the issues with the system.  I'll try and cover some ways to deal with specific issues in the near future, for now enjoy the article.

    Evil Out

    August 02

    Well Gawlee, Suhprise, Suhprise, Suhprise...

         Doing the rounds on the Sunday talk shows, a couple of Administration officials (Treasury Secretary Timothy Geithner and National Economic Council Director Larry Summers) got asked some tough questions about where the money will come from to pay for the new spending the Administration is planning.  Needless to say, they won't promise that the "middle-class" won't see tax increases.

    "There is a lot that can happen over time," Summers said, adding that the administration believes "it is never a good idea to absolutely rule things out, no matter what."

    During his presidential campaign, Obama repeatedly vowed "you will not see any of your taxes increase one single dime." But the simple reality remains that his ambitious overhaul of how Americans receive health care -- promised without increasing the federal deficit -- must be paid for.

    "If we want an economy that's going to grow in the future, people have to understand we have to bring those deficits down. And it's going to be difficult, hard for us to do. And the path to that is through health care reform," Geithner said. "We're not at the point yet where we're going to make a judgment about what it's going to take."

         Talk about a non-news event.  I know the President ran on a promise of "read my lips" and he would do well to remember what happened to the last President who broke that promise.  However, anyone who seriously read the campaign promises of Candidate Obama knew he was lying.  There was no way for him to do everything he promised on the money coming in and he never made any serious promises to cut spending, at least not the areas where spending cuts would be meaningful.  If the Congress passes a healthcare bill, taxes will have to go up.  Of course this is still up in the air, but who knows what kind of compromise bill Congress will pass in order to keep from embarrassing the Commander-in-Chief.

    Just remember when they increase middle-income taxes, it really shouldn't be a "Suhprise".

    Evil Out