My Substitute Reality -You're just jealous cause the little voices only talk to me-

Wednesday December 25, 2013

What to Do When ObamaCare Unravels

Filed under: Politics — don @ 11:35 pm

Wait!  It wasn’t my title.  I borrowed it from a guy who wrote a really interesting article on the Wall Street Journal.  It was so interesting I’m going to post it here.  But before I do let me clarify a few things.

I don’t hate Obama.  I don’t like his policies but I think he’s probably a very nice man who would be a lot of fun to be around and it’s clear he loves his wife and kids, and yes even his country.

I believe his problem lies more in his inability to understand what he doesn’t understand.  He’s very smart and very educated but he doesn’t know much about how to lead a country and he sure doesn’t know much about how to get a country out of a recession.  He’s been president for 5 years now and there are less people employed than when he took office.  There are lots more people on welfare than when he took office.  And the average wage is lower than it was when he took office.

If that’s not a failure then maybe I don’t know what a failure is.  When he did the stimulus he said that unemployment would rise above 8% if we didn’t do it.  We did it, and if you add the people who stopped looking for work back in the real unemployment number (U6) is closer to 13%.

And that brings us to health care.  He campaigned on “fixing” healthcare and shortly after getting elected they started writing the Affordable Care Act (Obamacare).  When they had enough votes in the house and senate to pass it without needing a single Republican vote that’s what they did.  When someone on the left wonders why the right is unhappy about Obamacare please take a moment and consider how you would feel if a Republican senate, house, and president pushed through a law that, oh, made abortion illegal.  And to make it worse how about that law required that you also had to get married if you got pregnant out of wedlock or face a “fine”.  You wouldn’t be happy about it.  Think about that for a while and maybe you’ll have an idea why those on the right think the left overstepped a bit.

And finally, Obamacare gets here in October 2013.  And it’s a mess.  The broken website is just the first sign there might be problems.  Then people start getting notices that they are losing their insurance even though they were “promised” if you like your plan you can keep your plan.  By the end of December close to 6,000,000 people have lost their plan and less than 1,000,000 have signed up.

At some point in the last 3 months Obama has changed the law (illegally some suggest) and put off the employer mandate until after the 2014 election.  You have to be really stupid to not realize that’s because he knows it’s going to cause all kinds of problems and would likely cause the Democrats to lose the house and senate.

So tonight I read this article and it’s one of the most unbiased I’ve seen.  I put it here with a link to where I found it.

http://online.wsj.com/news/articles/SB10001424052702304866904579265932490593594

The unraveling of the Affordable Care Act presents a historic opportunity for change. Its proponents call it “settled law,” but as Prohibition taught us, not even a constitutional amendment is settled law—if it is dysfunctional enough, and if Americans can see a clear alternative.

This fall’s website fiasco and policy cancellations are only the beginning. Next spring the individual mandate is likely to unravel when we see how sick the people are who signed up on exchanges, and if our government really is going to penalize voters for not buying health insurance. The employer mandate and “accountable care organizations” will take their turns in the news. There will be scandals. There will be fraud. This will go on for years.

Yet opponents should not sit back and revel in dysfunction. The Affordable Care Act was enacted in response to genuine problems. Without a clear alternative, we will simply patch more, subsidize more, and ignore frauds and scandals, as we do in Medicare and other programs.

There is an alternative. A much freer market in health care and health insurance can work, can deliver high quality, technically innovative care at much lower cost, and solve the pathologies of the pre-existing system.

The U.S. health-care market is dysfunctional. Obscure prices and $500 Band-Aids are legendary. The reason is simple: Health care and health insurance are strongly protected from competition. There are explicit barriers to entry, for example the laws in many states that require a “certificate of need” before one can build a new hospital. Regulatory compliance costs, approvals, nonprofit status, restrictions on foreign doctors and nurses, limits on medical residencies, and many more barriers keep prices up and competitors out. Hospitals whose main clients are uncompetitive insurers and the government cannot innovate and provide efficient cash service.

We need to permit the Southwest AirlinesWal-MartAmazon.com and Apples of the world to bring to health care the same dramatic improvements in price, quality, variety, technology and efficiency that they brought to air travel, retail and electronics. We’ll know we are there when prices are on hospital websites, cash customers get discounts, and new hospitals and insurers swamp your inbox with attractive offers and great service.

The Affordable Care Act bets instead that more regulation, price controls, effectiveness panels, and “accountable care” organizations will force efficiency, innovation, quality and service from the top down. Has this ever worked? Did we get smartphones by government pressure on the 1960s AT&T phone monopoly? Did effectiveness panels force United Airlines and American Airlines to cut costs, and push TWA and Pan Am out of business? Did the post office invent FedEx, UPS and email? How about public schools or the last 20 or more health-care “cost control” ideas?

Only deregulation can unleash competition. And only disruptive competition, where new businesses drive out old ones, will bring efficiency, lower costs and innovation.

Health insurance should be individual, portable across jobs, states and providers; lifelong and guaranteed-renewable, meaning you have the right to continue with no unexpected increase in premiums if you get sick. Insurance should protect wealth against large, unforeseen, necessary expenses, rather than be a wildly inefficient payment plan for routine expenses.

People want to buy this insurance, and companies want to sell it. It would be far cheaper, and would solve the pre-existing conditions problem. We do not have such health insurance only because it was regulated out of existence. Businesses cannot establish or contribute to portable individual policies, or employees would have to pay taxes. So businesses only offer group plans. Knowing they will abandon individual insurance when they get a job, and without cross-state portability, there is little reason for young people to invest in lifelong, portable health insurance. Mandated coverage, pressure against full risk rating, and a dysfunctional cash market did the rest.

Rather than a mandate for employer-based groups, we should transition to fully individual-based health insurance. Allow national individual insurance offered and sold to anyone, anywhere, without the tangled mess of state mandates and regulations. Allow employers to contribute to individual insurance at least on an even basis with group plans. Current group plans can convert to individual plans, at once or as people leave. Since all members in a group convert, there is no adverse selection of sicker people.

ObamaCare defenders say we must suffer the dysfunction and patch the law, because there is no alternative. They are wrong. On Nov. 2, for example, New York TimesNYT +0.93% columnist Nicholas Kristof wrote movingly about his friend who lost employer-based insurance and died of colon cancer. Mr. Kristof concluded, “This is why we need Obamacare.” No, this is why we need individual, portable, guaranteed-renewable, inexpensive, catastrophic-coverage insurance.

On Nov. 15, MIT’s Jonathan Gruber, an ObamaCare architect, argued on Realclearpolitics that “we currently have a highly discriminatory system where if you’re sick, if you’ve been sick or you’re going to get sick, you cannot get health insurance.” We do. He concluded that the Affordable Care Act is “the only way to end that discriminatory system.” It is not.

On Dec. 3, President Obama himself said that “the only alternative that Obamacare’s critics have, is, well, let’s just go back to the status quo.” Not so.

What about the homeless guy who has a heart attack? Yes, there must be private and government-provided charity care for the very poor. What if people don’t get enough checkups? Send them vouchers. To solve these problems we do not need a federal takeover of health care and insurance for you, me, and every American.

No other country has a free health market, you may object. The rest of the world is closer to single payer, and spends less.

Sure. We can have a single government-run airline too. We can ban FedEx and UPS, and have a single-payer post office. We can have government-run telephones and TV. Thirty years ago every other country had all of these, and worthies said that markets couldn’t work for travel, package delivery, the “natural monopoly” of telephones and TV. Until we tried it. That the rest of the world spends less just shows how dysfunctional our current system is, not how a free market would work.

While economically straightforward, liberalization is always politically hard. Innovation and cost reduction require new businesses to displace familiar, well-connected incumbents. Protected businesses spawn “good jobs” for protected workers, dues for their unions, easy lives for their managers, political support for their regulators and politicians, and cushy jobs for health-policy wonks. Protection from competition allows private insurance to cross-subsidize Medicare, Medicaid, and emergency rooms.

But it can happen and the cure for plantar fasciitis got out. The first step is, the American public must understand that there is an alternative. Stand up and demand it.

 

Tuesday December 24, 2013

Merry Christmas

Filed under: Family,Life — don @ 10:06 pm

Merry Christmas to all!

Friday December 20, 2013

Riddle me This

Filed under: Politics — don @ 8:27 pm

So a large majority of climate change scientists tell us the earth warm up is man caused.  If you argue this you are labeled a denier.  Okay, fair enough.

A large majority of economists believe that raising the minimum wage will hurt the very people you profess you want to help yet you ignore them and push to raise it anyways.

Why are you not called an economic denier?

Tuesday December 17, 2013

Ponder This

Filed under: Politics — don @ 1:44 pm

Here’s one for you to ponder.

Why did Obama put off the Obamacare Employer Mandate until after next year’s election?  You don’t think it could have anything to do with how screwed up this year’s Individual Mandate is do you?  You don’t think it could be because 50 MILLION people are likely going to lose their healthcare plans instead of just 6 MILLION that have lost theirs so far under the Individual Mandate do you?

It couldn’t be because Obama and his cronies, Nancy P and Harry R realize if they do it before the election they would not only lose the house and senate but there would likely be a Republican Super Majority in both could it?

The Democrats are worried and they have good reason to be.  The ACA is the biggest piece of one-sided crap that’s ever been foisted on the American public and the American public is realizing it.  At least the ones that aren’t sheep.

Sunday December 15, 2013

Speaking of Lies

Filed under: Life,Politics — don @ 1:01 pm

Remember how the left has been screaming about GLOBAL WARMING!!!  CLIMATE CHANGE and how it’s going to kill us all and melt the poles by 2015 and kill all the polar bears by 2020?

Of course you do, you can’t miss it.  It’s on every leftist news program every other day.

There’s just one little inconvenient truth that the left has forgotten to tell you.

The planet stopped warming 10 years ago and they can’t explain it.

Think I’m lying?  Think I’m spouting the Faux News rightist lies?  Think I’m an idiot?  Well think what you want but I have facts on my side.

Here’s the graph the left likes you to look at.

Median Temperature over the Last 110 Years.

Median Temperature over the Last 110 Years.

 

 

Looks pretty damning doesn’t it?  Looks like they are right and the earth is headed toward hellfire and damnation (although they don’t believe in hell or damnation).

 

 

 

But look at a graph of the last 10 years.

Median Temps 2002-2012

Median Temps 2002-2012

 

 

Well look at that!  The average temp over the last 10 years has been pretty stable.  The temperature hasn’t been going up.  It’s flatlined.  In fact if you plot just the last 7 years it’s actually gone down.  But the left won’t tell you that.  It doesn’t help their story.

 

 

Don’t get me wrong.  I’m not actually suggesting that the earth is not going to get warmer and the poles aren’t going to melt and the polar bears aren’t going to all die.  The earth has been warming and cooling for millions, nay billions of years.  What I am suggesting is the left has been lying to you and they keep lying to you.  Just look at Politifact.com and the Lie of the Year if you have any doubts that the left lies.

What I do want you to do is think for yourself and get the data for yourself.  Don’t rely on MSNBC or Fox News to get your data.  They both have agendas and neither one is really looking out for you.

I got the data from these plots here if anyone wants to check it out.

Friday December 13, 2013

Politifact Lie of the Year

Filed under: Politics — don @ 7:16 pm

“If you like your health care plan, you can keep it.”

Politifact .com has called that the lie of the year.

I know how Daryl loves Politifact and how much he loves to show how I’m always wrong when I say Obama is doing something or saying something that Daryl is sure he hasn’t done or said.

I wonder if I’ll get an apology?

Probably not.

Wednesday November 27, 2013

Sufficient Reason

Filed under: Politics — don @ 1:31 pm

This person expressed his opinion on liberal America so well that I had to borrow it.  You can see his whole blog here.

 

This essay is a bit of departure from my usually reasonable and logical approach to important issues.  That’s not to say that the essay isn’t well-reasoned and is bereft of logical argumentation, but I freely admit that it’s polemical, in nature.  Sometimes you’re just pissed, and you need to vent.  Here’s my vent…

Lately, I must admit that my hostility towards your political ilk has ramped up, pretty dramatically.  No, it’s not because we, at this point in my life, have a half-black president in the White House, and I’m some closet racist who is becoming increasingly frustrated at the prospects of the White Man’s power slipping through my fingers.  I know that you’ve accused our side of such nonsense, and the thought keeps you warm at night, but I can assure you that it is a comfortable fiction of which you should probably divest yourself.

Now before I waste too much of your time, let’s establish who I’m talking to.  If you believe that we live in an evil, imperialist nation from its founding, and you believe that it should be “fundamentally transformed”, lend me your ears.  If you believe that the free market is the source of the vast majority of society’s ills and wish to have more government intervention into it, I’m talking to you.  If you believe that health care is a basic human right and that government should provide it to everyone, you’re the guy I’m screaming at.  If you think minorities cannot possibly survive in this inherently racist country without handouts and government mandated diversity quotas, you’re my guy.  If you believe that rich people are that way because they’ve exploited their workers and acquired wealth on the backs of the poor, keep reading.  Pretty much, if you trust government more than your fellow American, this post is for you.

First of all, let me say that we probably agree on more things than you think.  Even between Tea Party Patriots and Occupy Wall-Streeters, I’ve observed a common hatred of the insidious alliance between big business and big government.  As Representative Paul Ryan (R-WI) so correctly noted, government should never be in the business of picking winners and losers in corporate America, and no person, organization, union, or corporation should have their own key to the back door of our government.

Second, contrary to popular belief, conservatives really are concerned with the plight of the poor in this nation.  You accuse us of being uncompassionate, hateful, racist, and greedy, but studies have shown that when it comes to charitable giving, conservatives are at least (if not more, depending on the study you read) as generous as liberals in caring for the poor.  The difference between us is not in our attitude towards the problem — it’s our attitude towards the solution.  We believe that the government does practically nothing well (since without competition or a profit motive there is no incentive to do well) and has made the plight of the poor far worse than it would have ever been had government never gotten involved.  For a stark example of this, look no farther than the condition of the black family in America since the “War on Poverty” began.  You believe that more government is the answer, and that if we only throw more money at the problem, the problem will go away.  We believe, as Reagan so aptly stated,

Government is not the solution to our problems;  government is the problem.

Third, as people who might actually have to avail ourselves of a doctor’s services at some point in our lives, we are just as concerned with the condition of America’s healthcare system as you are.  While we believe that America has the world’s most capable physicians, has the world’s most innovative pharmaceutical industry, and is on the cutting edge of medical technology, we also understand that the delivery system is far from perfect.  However, unlike you, we see a grave danger in turning the administration of that delivery system over to the same entity that is responsible for giving us the United States Postal Service.  There are private sector solutions that should certainly be explored before we kill the system, altogether, by giving it to the government to run.

Now that we’ve touched on a couple of points of common ground, allow me to explain my aggressiveness towards your efforts to implement your progressive agenda.  First, let’s talk about the word “progressive”, since you now seem to prefer that word to “liberal”.  In order to label something as progressive or regressive, one must have some idea as to what constitutes progress.  What is the ideal towards which you are striving?  An idea is considered progressive if it moves us closer to the ideal and regressive if it moves us further away.  So, what is your ideal society?

Though I can’t begin to discern the thoughts of every liberal who may read this, nor can I assume that every liberal has the same notion of an ideal society, in my arguments with liberals over the years, I couldn’t help but notice the influence that FDR’s Second Bill of Rights has had in shaping the beliefs of the modern liberal with regards to domestic policy.  The rights that FDR cited are:

  • The right to a useful and remunerative job in the industries or shops or farms or mines of the nation;
  • The right to earn enough to provide adequate food and clothing and recreation;
  • The right of every farmer to raise and sell his products at a return which will give him and his family a decent living;
  • The right of every businessman, large and small, to trade in an atmosphere of freedom from unfair competition and domination by monopolies at home or abroad;
  • The right of every family to a decent home;
  • The right to adequate medical care and the opportunity to achieve and enjoy good health;
  • The right to adequate protection from the economic fears of old age, sickness, accident, and unemployment;
  • The right to a good education.

At this point, you’re probably screaming, “Right on!!”, and who can blame you?  What sane person in the world doesn’t want everyone to be gainfully employed, adequately fed, smartly clothed, appropriately sheltered, and properly educated?  These are the goals of every moral society on the planet, however we cannot ignore the fundamental question of, “At what cost?”

I’m not sure whether FDR was a shallow thinker or simply a shrewd, Machiavellian politician, but the fact that he framed each of these ideals as a human right should be troubling to every freedom-loving person in America.  After all, what does it mean for something to be a human right?  Doesn’t it mean that it’s something to which you are entitled simply by virtue of your being human?  Let’s think about some of the basic rights that the real Bill of Rights delineates: freedom of speech, freedom of religion, freedom to petition the government, freedom to bear arms, freedom from illegal search and seizure, etc.

If you’re moderately intelligent and intellectually honest, you’ll quickly see what separates the rights laid out in the real Bill of Rights from those laid out in FDR’s misguided list — none of the rights listed above require the time, treasure, or talents of another human being.  Your right to speak requires nothing from anyone else.  Your right to practice your religion requires nothing from any of your fellow citizens.  Your right to bear arms means that you are allowed to possess weapons to defend yourself and your family, but it makes no demand that a weapon be provided to you by anyone.  A true human right is one that you possess, even if you’re the only person on the entire planet — and it is unconditional.

FDR’s list is no “Bill of Rights”.  It’s a list of demands.  If I have a right to a job, doesn’t that mean that one must be provided to me?  If I have a right to adequate food, clothing, and recreation, doesn’t that mean that I am entitled to those things, and someone should provide them to me?  If I have an inherent right to a decent home, once again, doesn’t that mean it should be provided to me, regardless of my ability to afford one or build one for myself?

You might protest that FDR only meant that we have the right to pursuethose things, but that’s not what he said, and why would he?  If we live in a free society, our right to pursue those things is self-evident, is it not?  Besides, if he only believed in our right to pursue those things, he would not have felt the need to implement the New Deal.

You may be getting anxious, now, wondering what FDR’s Second Bill of Rights has to do with my antipathy towards your political philosophy.  It’s quite simple — your political beliefs are a threat to liberty — not just for me, but for my three boys and their children as well.  I care much less about the America that I’m living in at this very moment than I do about the one that I’m leaving Nathaniel, Charlie, and Jackson.

How does your political bent threaten my and my sons personal liberty, you ask?  In your irrational attempt to classify things such as clothing, shelter, health care, employment, and income as basic human rights, you are placing a demand upon my time, my treasure, and my talents.  If you believe that you have a right to health care, and you are successful in persuading enough shallow thinkers to think as you do, then it will place a demand upon me to provide it to you.  If you believe that you have a right to a job, and more than half of America agrees with you, as a business owner, I am obligated to provide one to you, even if it means making my business less profitable.

The fact is, you can rail against my conservatism all you wish.  You can make fun of my Tea Party gatherings, and you can ridicule patriots in tri-corner hats until you wet yourself from mirth, but one thing is for certain: my political philosophy will NEVER be a threat to your freedom.  If you feel a burning responsibility to the poor, conservatism will never prevent you from working 80 hours per week and donating all of your income to charity.  If you feel a strong sense of pity for a family who cannot afford health insurance, my political philosophy will never prevent you from purchasing health insurance for this family or raising money to do so, if you cannot afford it, personally.  If you are moved with compassion for a family who is homeless, a conservative will never use the police power of government to prevent you from taking that family in to your own home or mobilizing your community to build one for them.

However, you cannot say the same for liberalism.  If I choose not to give to the poor for whatever reason, you won’t simply try to persuade me on the merits of the idea — you will seek to use the government as an instrument of plunder to force me to give to the poor.  If we are walking down the street together and we spot a homeless person, using this logic, you would not simply be content with giving him $20 from your own pocket — you would hold a gun to my head and force me to give him $20, as well.

Everything that modern liberalism accomplishes is accomplished at the barrel of a government rifle.  You do not trust in the generosity of the American people to provide, through private charity, things such as clothing, food, shelter, and health care, so you empower the government to take from them and spend the money on wasteful, inefficient, and inadequate government entitlement programs.  You do not trust in the personal responsibility of the average American to wield firearms in defense of themselves and their families, so you seek to empower the government to criminalize the use and possession of firearms by private citizens.  Everytime you empower the government, you lose more of your personal liberty — it’s an axiomatic truth.

What angers me the most about you is the eagerness with which you allow the incremental enslavement to occur.  You are the cliched and proverbial frog in the pot who has actually convinced himself that he’s discovered a big, silver jacuzzi.  Somehow, you’re naive enough to believe that one more degree of heat won’t really matter that much.

I have the utmost respect for a slave who is continuously seeking a path to freedom.  What I cannot stomach is a free man who is continuous seeking a path to servitude by willingly trading his freedom for the false sense of security that government will provide.

I am reminded of Samuel Adams’ impassioned speech where he stated:

“If ye love wealth (or security) better than liberty, the tranquillity of servitude than the animating contest of freedom, — go from us in peace. We ask not your counsels or arms. Crouch down and lick the hands which feed you. May your chains sit lightly upon you, and may posterity forget that ye were our countrymen!”

Servitude can exist in a free society, but freedom cannot exist in a slave nation.  In a free country, you have the liberty to join with others of your political ilk and realize whatever collectivist ideals you can dream up.  You can start your own little commune where the sign at the front gate says, “From each according to his ability; to each according to his need”, and everyone can work for the mutual benefit of everyone else.  In my society, you have the freedom to do that.

In your society, I don’t have the same freedom.  If your collectivism offends me, I am not free to start my own free society within its borders.  In order for collectivism to work, everyone must be on board, even those who oppose it — why do you think there was a Berlin Wall?

In conclusion, just know that the harder you push to enact your agenda, the more hostile I will become — the harder I will fight you.  It’s nothing personal, necessarily.  If you want to become a slave to an all-powerful central government, be my guest.  But if you are planning to take me and my family down with you, as we say down here in the South, I will stomp a mud-hole in your chest and walk it dry.

Bring it.”

Wednesday November 20, 2013

Happy Birthday, I’m 10

Filed under: Cool Stuff,Life,Personal — don @ 8:27 pm

On Sunday November 17th a special day happened and nobody said a word, not even me.  I forgot it until Monday morning.  What was it?  Ten years of sobriety.  Ten years since my last drink.  Ten years of a much better life.

I had been thinking about taking the day off work until I looked at a calendar and realized it was a Sunday.  So I think I’ll take December 8th which is 4 days before my 60th physical birthday and combine that with this one.

I think I deserve it.

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