Obamacare website off to a rocky start on crucial deadline day
These are some really strange events and somewhat unanticipated by almost everyone. It smacks somewhat of "sour grapes" for some of those who were against the ACA in the first place. The rollout of "Obamacare" has been rockier than it should have been but there are reasons that has happened in addition to poor software development. I will interject at this point that Medicare and Social Security were both initiated without access to an internet. The rollout of both of those took months to accomplish and some even went for a few years. The great hubbub about this enrolment period is due to intense criticism by political and ideological opponents.
The states that have established exchanges of their own as was envisioned by the authors of this legislation have seen their state run exchanges be very successful in enrolling people with many examples of joy by people being insured for the first time in many years, some in ever. Those states that did not accept the responsibility of state run exchanges have, by default, allowed the federal government to operate the health exchanges. Ironically, this has resulted in a favorite prescription used by conservatives to allow insurance companies to operate across state lines. The down side is that it places undue strain on an enrollment system that was not anticipated to handle so much national load. It will get better.
A large part of the discontent with the insurance itself results from insurance companies having to provide policies with basic coverages. That has resulted in cancellation of inadequate policies that were the darlings of the young, invincible population. The lobbying effort to keep the insurance companies in business and to prevent the competition of a public option have made these policies unattractive to insurers hence the cancellations. However, in many cases subsidies will make up the difference.
Another part that is causing cancellations is the excise tax that is due to take effect in 2018. Insurance companies and employers are already changing policies to avoid this 40% tax on "cadillac" policies. Those policies will be available at market rates. This was done to encourage greater responsibility by consumers for health care choices. Also a conservative tenet.
This is a big change. It will not be without pain. Real change is always upsetting to the status quo. I am including a link to some information about the New Zealand medical insurance system which is pretty much what ours will end up being if people can resist tearing the ACA apart.
http://www.telegraph.co.uk/health/expathealth/8308330/Expat-guide-to-New-Zealand-health-care.html
Saturday, November 30, 2013
Tuesday, November 26, 2013
Goodbye-please.
File - Afghan President Hamid Karzai pictured on June 18, 2013.
Hand this guy his hat and show him the door.
Hand this guy his hat and show him the door.
Sunday, November 24, 2013
What You Should Know About The Iran Nuclear Deal : The Two-Way : NPR
What You Should Know About The Iran Nuclear Deal : The Two-Way : NPR
It was always unrealistic to presume that the world could keep Iran from attaining nuclear status without all out war. They had proven remarkably resistant to other efforts to curtail their nuclear program. It is useful to look at history for comparisons and there is one in the US/Japan relationship prior to WWII. The US cut off Japanese access to far eastern oil which threatened to strangle Japanese economic plans. Their alternative was to strike our bases to remove the sanctions. Iran was very likely to succeed in developing nuclear capability within five to ten years and could not afford to relinquish that probability.
If you are not of a mind to initiate another elective war then the best bet is to get them talking and that is what the Obama administration did. One must keep in mind that the largest detractors of such a policy are Iran's middle eastern neighbors such as Saudi Arabia and Israel who are now teamed in an unlikely alliance. To them it is a war of hegemony over that part of the globe. To the US it is about being able to remove our gaze from war and put it on economic development largely on the Pacific Rim.
It is always better to talk. Comparisons to Hitler and Munich are irresponsibly used as a comparison but one that has no points of similarity. The main objection is the Israeli response and the Israeli lobby in the US is a very powerful one that crosses party lines but it is time to disavow blind allegiance to that lobby and seek a path that will serve the interests of the United States. It is ridiculous that our foreign policy can be dictated by Israel. We would not allow any other country, not even Britain, to do so.
Israel is the only nation in the Middle East to possess nuclear weapons, presumably supplied by the United States. They never acknowledge that but it is widely known. It has not resulted in a nuclear arms race or nuclear war and it is unlikely that Iran possessing nuclear technology would do so either.
This agreement is a test and one we should feel lucky to get considering the antagonistic relationship of our two countries.
It was always unrealistic to presume that the world could keep Iran from attaining nuclear status without all out war. They had proven remarkably resistant to other efforts to curtail their nuclear program. It is useful to look at history for comparisons and there is one in the US/Japan relationship prior to WWII. The US cut off Japanese access to far eastern oil which threatened to strangle Japanese economic plans. Their alternative was to strike our bases to remove the sanctions. Iran was very likely to succeed in developing nuclear capability within five to ten years and could not afford to relinquish that probability.
It is always better to talk. Comparisons to Hitler and Munich are irresponsibly used as a comparison but one that has no points of similarity. The main objection is the Israeli response and the Israeli lobby in the US is a very powerful one that crosses party lines but it is time to disavow blind allegiance to that lobby and seek a path that will serve the interests of the United States. It is ridiculous that our foreign policy can be dictated by Israel. We would not allow any other country, not even Britain, to do so.
Israel is the only nation in the Middle East to possess nuclear weapons, presumably supplied by the United States. They never acknowledge that but it is widely known. It has not resulted in a nuclear arms race or nuclear war and it is unlikely that Iran possessing nuclear technology would do so either.
This agreement is a test and one we should feel lucky to get considering the antagonistic relationship of our two countries.
Saturday, November 16, 2013
Read them and Weep
The Happiest Countries in the World - 24/7 Wall St.
AND, here for you are the countries in which the citizens are most satisfied with their lives. Notice that the USA is not among them. Also note that most of them have a very secure safety net and liberal benefits for health and unemployment. Their income equality is very good compared with ours which is one of the worst in the world. How DO they do it? However they do it they do it without huge armies, navies and air forces. Hmmmm.
Read them and weep and then ask yourself the hard questions. MEXICO made the top 10 for crying out loud.
AND, here for you are the countries in which the citizens are most satisfied with their lives. Notice that the USA is not among them. Also note that most of them have a very secure safety net and liberal benefits for health and unemployment. Their income equality is very good compared with ours which is one of the worst in the world. How DO they do it? However they do it they do it without huge armies, navies and air forces. Hmmmm.
Read them and weep and then ask yourself the hard questions. MEXICO made the top 10 for crying out loud.
What's the difference
Dan Rather will offer his own memories of the JFK assassination on “My Days in Dallas: A Remembrance With Dan Rather.”
I first became aware of Dan Rather at this time. Over the years I came to consider him one of the best, if not the best, reporters of his time. The way he has been treated by CBS is despicable and is in stark contrast to the way Lara Logan was treated for her inaccurate reporting on 60 minutes. I have to ask myself why the difference. The thing that leaps out is that Rather was reporting on Bush and Logan was reporting on the Benghazi affair that many are trying to lay at the feet of Obama. I would like more answers.
Friday, November 15, 2013
Individualism or Selfishness?
I think that the notion of
individualism is more developed in the United States than anywhere
else in the world. It was a powerful tenet of our foundational
document and a necessary characteristic of those who initially sailed
the seas to establish colonies here. All men are created equal, the
pursuit of happiness, the expectation of being as worthy as the next
person are all manifestations of our individualism. And it is an
important part of our heritage but we ignore at our own peril our
history of cooperative effort and the willingness of individuals to
put the greater good above their own.
The very early colonies were
essentially communes and that was necessary to make possible the
likelihood of survival. Native American societies lived in such a
lifestyle going so far as to not even consider the private ownership
of land. European nations seem to be much more cooperative in their
populations and that is evidenced in their reliance on social
programs that eliminate much of the risk of living.
$143 million |
Times change and so does opportunity.
We have to consider that our desire for self-satisfaction and
self-gratification also leads to plain old selfishness. Sometimes
our desire to aggregate wealth and advantage leads us inexorably to
the deprivation others may suffer. There is just no escaping that
fact.
The times are gone when one could just
move further west in search of land or fortune. Or when an Irish lad
could weather the storms of the North Atlantic for a chance at a life
in which there was enough to eat. Our economic model based on ever
growing markets and consumerism has reached the saturation point
within our own borders and now the great corporations have to seek
greater wealth by expanding consumer bases beyond our borders leaving
much of the domestic public to pick up the scraps that fall from the
table. Those mega-giants have little concern for people rather than
profits.
Oh, don't think me to be crying in my
beer. The United States is still the wealthiest nation on the face
of the planet and maybe the wealthiest that has ever been. It is
just that future opportunity for those who do not enjoy the
advantages of wealth is dimmed and is growing dimmer. A degree from
the University of Kentucky may get you a job managing a Chick-fil-et
but a degree from Harvard or Yale opens the doors of some of the
wealthiest corporations in the United States. Is it because the
education one receives there is so much better? Well, sometimes but
the real advantage comes from the network of alumni of those
institutions. Such access is simply not available to the average
student aspiring to attain a part of the American Dream. Now we find
that education at even the state universities is being priced out of
the reach of many Americans. That is not the American Dream.
Our parents and grandparents grew up in
the time of the Robber Barons, The Great Depression and then World
War II. The oldest of them had seen the want of the great public
while the Robber Barons consolidated wealth among the elite finally
leading to the collapse of the financial system. Out of the ruins of
that power and prestige came the Populist movements and the election
of FDR who promptly set about establishing Social Security along with
a host of other agencies that would protect people from those who had
no concern for the health of the common man.
We still have robber barons, we just
don't call them that. These days they are hedge fund managers.
Those people who are expert at taking money from other wealthy people
and doing whatever it takes to turn a hefty profit for those
shareholders. They have enough heft to be able to pour millions
into buying favorable legislation that has resulted in them having to
pay a fraction of the tax rate the common man pays. If you think
that is the American Dream you've been led down the garden path. It
is no secret, the game is rigged and it is not those of the great
unwashed who are on the receiving end. Instead it is those who are
not just individualists but also those who wash their selfishness in
the water of free enterprise in order to call it clean. It is not
clean. It is what scripture calls lucre in the admonition against
love of money. Is a person free who is enslaved to a system whose
institutions foster inequality? There are more chains than those
that make shackles.
The great example is that our nation
has from time to time thrown off the mantle of individualism and
selfishness and pulled together equally for the common good. The
restrictions that we place on ourselves in order that the entire
people can enjoy the fruits of this great experiment are significant
temperings of selfishness. We are at a time when those who would
emphasize the collective good are ideologically opposed to those who
shout the virtues of individualism. Mankind is at a point in history
when the individual, while able to accomplish much, will not be able
to bring equality of opportunity. It must be the associations of
people that will bring the next great leaps for humanity.
Some of great wealth have already
planned to give away the vast portion of their wealth and that is
commendable but it faintly smells of what Daniel Moynahan called
benevolent despotism. While we should never condemn people who gain
wealth through honest endeavor we must be aggressive in our
understanding of what constitutes honest endeavor.
That's my take on individualism and
selfishness. On dealing a fair game or dealing from the bottom of
the deck. What's yours?
Friday, November 8, 2013
Benghazi--another lie refuted
‘60 Minutes’ retracts, apologizes for Benghazi report; CBS says it was misled by source - The Washington Post
I watched this report by Lara Logan and thought, "this is going to stir up that hornet's nest again." There are those who are deadly anxious to lay this at the President's feet. In a real sense every thing that occurs on his watch is his responsibility but those attackers want to find proof that the President refused assistance directly which just never happened.
The report by Ms. Logan was false and relied on false eyewitnesses. It is strange that Ms. Logan is not held to the same standard that Dan Rather was in a similar incident concerning President Bush's early years. That mistake cost him his job and reputation which was intended to demonstrate the vigilance of CBS in its reporting. It that one no one died, in this one lives were lost.
I have to wonder what the motivation could have been for the British security agent who recounted an imaginary account. Was it a desire for acclaim or a desire to paint the administration in a bad light regardless of the truth.
In retrospect, everyone wishes security had been stronger but it bears mentioning that this was not an embassy but ,rather, a consulate. There can't be military detachments at every outpost the United States maintains sufficient to repel a determined force. We must rely on the host country's protection.
I watched this report by Lara Logan and thought, "this is going to stir up that hornet's nest again." There are those who are deadly anxious to lay this at the President's feet. In a real sense every thing that occurs on his watch is his responsibility but those attackers want to find proof that the President refused assistance directly which just never happened.
The report by Ms. Logan was false and relied on false eyewitnesses. It is strange that Ms. Logan is not held to the same standard that Dan Rather was in a similar incident concerning President Bush's early years. That mistake cost him his job and reputation which was intended to demonstrate the vigilance of CBS in its reporting. It that one no one died, in this one lives were lost.
I have to wonder what the motivation could have been for the British security agent who recounted an imaginary account. Was it a desire for acclaim or a desire to paint the administration in a bad light regardless of the truth.
In retrospect, everyone wishes security had been stronger but it bears mentioning that this was not an embassy but ,rather, a consulate. There can't be military detachments at every outpost the United States maintains sufficient to repel a determined force. We must rely on the host country's protection.
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