By Nancy Manring
I do not like Obamacare for the following reasons:
1) I believe that insurance companies should be able to tailor their premiums to the actual cost of insuring various demographic groups. For instance, before Obamacare came into existence, single women had to pay more money for health insurance. That was because women use more medical services, and they cost more to insure. For that reason, they should have to pay more for their insurance. People with preexisting conditions are another group that is particularly difficult for insurance companies to insure. In order to insure these expensive patients, insurance companies must have some mechanism for covering them. It is unfair for the majority of insured people to cover the costs of these very expensive patients. However, this might be an area where special government funding could be a beneficial idea. The government already does this with patients who have chronic kidney failure under the Medicare program.
2) I believe that if Medicare-like insurance is provided to people at little or no cost, they will use medical services more and will, therefore, cost more money to insure. If they had more personal responsibility for their health care costs, they would use health services less.
3) The ACA provides people the option of avoiding the purchase of health insurance if they are willing to pay a nominal penalty. That way, they can buy health insurance when they get sick and drop their coverage when they are well, again. This will increase the cost of providing health care to them by a large amount.
4) If the ACA acts like socialized medicine in Great Britain and Canada, health services will be overwhelmed by increased demand. Waiting times and postponed surgery schedules will delay treatment significantly and cause long lines for care in emergency rooms and urgent care facilities.
5) The ACA does not address tort reform, a problem that is causing lots of trouble with frivolous lawsuits and expensive lawyer fees. If that problem, alone were addressed in a much simpler bill, I believe that health care costs would be impacted very favorably.
6) Most important is the fact that ACA encroaches on freedom of religion. ACA insists that Catholic employers must give their employees access to free birth control, which is against the teaching of the Catholic Church. No matter who pays for the birth control, the Church or other insurance companies ACA is eroding on church teachings. When will other churches and other religious teachings be eroded?
7) Although abortion isn’t explicitly mentioned in the healthcare bill, it is implicitly mentioned under women’ healthcare. Who would think that abortions will not be paid for under a bill authored by such an anti-reproductive, pro-abortion minded president such as we have now.
8) I do believe in the function of the Independent Payment Advisory Board, an agency that is being created by the ACA. This board is the rationing part of the ACA. I believe that this board will decrease implementation of useless, expensive, medical and surgical procedures that are driving up health care costs. Many of these procedures are undertaken at the end of life in old people when the prospect for significant length of life is gone, anyway. But this rationing can be done other ways than through a federal healthcare law.
I think this country can rid itself of this healthcare bill in 2 ways. The Supreme Court can cripple it by refusing to uphold the mandate on insurance for everyone, and/or we can elect Santorum for president. Romney says he will repeal the healthcare law, but I think that is merely a campaign promise. Santorum is running for president mainly because he wants to repeal the healthcare law. It is in his heart.
Thursday, March 29, 2012
Tuesday, March 27, 2012
What’s the Truth About the Cost of the Affordable Care Act?
Paul Krugman of the New York Times editorial staff has accused the Republicans of lying in their recent statements concerning the deficit being produced by the Patient Protection and Affordable Care Act (hereafter referred to as the ACA), which is also known as “Obamacare.” He says that the ACA is actually projected to cost about $50 billion less than originally predicted by the Congressional Budget Office. What Mr. Krugman does not report is what follows in this blog post.
Republicans have noted that the ACA is producing a huge federal budget deficit. They have acknowledged, however, that the very recent reevaluation of the deficit by the Congressional Budget Office shows that there is to be a $50 billion deficit decrease over the 10-year period of 2012-2022. http://1.usa.gov/GP62s2
If one will examine the last line of table 1 in the above link, he will note that the projected budget deficit will, indeed, decrease by $48 billion over the next 10 years. However, this “decrease” is not a decrease in the total deficit, but it is a decrease in the rate of INCREASE of the projected deficit. The ACA will finally be accompanied by a total increase in the national federal debt by a little more than $1trillion according to the report by the Congressional Budget Office.
Americans were told by President Obama that this ACA would not cost us any money, because the costs incurred would be offset by savings in general medical costs and revenues received as a result of payment of penalties from those who opted not to buy the insurance.
I think that if we are to look for someone who has lied about the cost of the ACA, we should look to some place other than the conservative Republicans.
Republicans have noted that the ACA is producing a huge federal budget deficit. They have acknowledged, however, that the very recent reevaluation of the deficit by the Congressional Budget Office shows that there is to be a $50 billion deficit decrease over the 10-year period of 2012-2022. http://1.usa.gov/GP62s2
If one will examine the last line of table 1 in the above link, he will note that the projected budget deficit will, indeed, decrease by $48 billion over the next 10 years. However, this “decrease” is not a decrease in the total deficit, but it is a decrease in the rate of INCREASE of the projected deficit. The ACA will finally be accompanied by a total increase in the national federal debt by a little more than $1trillion according to the report by the Congressional Budget Office.
Americans were told by President Obama that this ACA would not cost us any money, because the costs incurred would be offset by savings in general medical costs and revenues received as a result of payment of penalties from those who opted not to buy the insurance.
I think that if we are to look for someone who has lied about the cost of the ACA, we should look to some place other than the conservative Republicans.
Thursday, March 22, 2012
Overthrow of a Despotic Government—Does It Do Any Good?
Ever since the administration of Woodrow Wilson, Americans have been enamored by the idea that overthrow of a despotic government will advance democracy and make the world a safer place to live.
To examine this idea, we should look back to history. In 1917, Wilson proclaimed that "heartening things that have been happening within the last few weeks in Russia." He was referring to the Bolshevik victory over the czar. That move paved the way for a totalitarian tyranny that killed more political prisoners in a year than the czars had killed in more than 90 years.
Although Wilson proclaimed that the First World War was being fought because "The world must be made safe for democracy," in reality the overthrow of autocratic rule in Germany and Italy led to totalitarian regimes that were far worse. Those today who assume that the overthrow of authoritarian governments in Egypt, Libya, and Syria is a movement toward democracy are following in Wilson's footsteps.
President Wilson is often charged with getting the U.S. into World War I; and secondarily into World War II as a result of that first great war; but the truth must be told. Wilson tried hard to keep the U.S. out of WW I. When, finally, the war forced itself on America, Wilson mobilized the nation to fight it with all our might. The thing that caused WW II was not WW I, it was the ill-conceived treaty of Versailles at the end of that war, which Wilson vehemently opposed until he became so ill that he could no longer negotiate a more effective and sane conclusion to the great war.
Well…we are still involved in the controversy. Will overthrow of autocratic regimes in the Middle East make the world a safer place to live? I certainly think the threat of a nuclear Iran needs to be effectively addressed; but I wonder if Muslim countries are ready and able to accommodate democracy. Hmmm….?
Want to read more about this subject—look at http://bit.ly/FWCNAY .
To examine this idea, we should look back to history. In 1917, Wilson proclaimed that "heartening things that have been happening within the last few weeks in Russia." He was referring to the Bolshevik victory over the czar. That move paved the way for a totalitarian tyranny that killed more political prisoners in a year than the czars had killed in more than 90 years.
Although Wilson proclaimed that the First World War was being fought because "The world must be made safe for democracy," in reality the overthrow of autocratic rule in Germany and Italy led to totalitarian regimes that were far worse. Those today who assume that the overthrow of authoritarian governments in Egypt, Libya, and Syria is a movement toward democracy are following in Wilson's footsteps.
President Wilson is often charged with getting the U.S. into World War I; and secondarily into World War II as a result of that first great war; but the truth must be told. Wilson tried hard to keep the U.S. out of WW I. When, finally, the war forced itself on America, Wilson mobilized the nation to fight it with all our might. The thing that caused WW II was not WW I, it was the ill-conceived treaty of Versailles at the end of that war, which Wilson vehemently opposed until he became so ill that he could no longer negotiate a more effective and sane conclusion to the great war.
Well…we are still involved in the controversy. Will overthrow of autocratic regimes in the Middle East make the world a safer place to live? I certainly think the threat of a nuclear Iran needs to be effectively addressed; but I wonder if Muslim countries are ready and able to accommodate democracy. Hmmm….?
Want to read more about this subject—look at http://bit.ly/FWCNAY .
Overthrow of a Despotic Government—Does It Do Any Good?
22 March 2012
Ever since the administration of Woodrow Wilson, Americans have been enamored by the idea that overthrow of a despotic government will advance democracy and make the world a safer place to live.
To examine this idea, we should look back to history. In 1917, Wilson proclaimed that "heartening things that have been happening within the last few weeks in Russia." He was referring to the Bolshevik victory over the czar. That move paved the way for a totalitarian tyranny that killed more political prisoners in a year than the czars had killed in more than 90 years.
Although Wilson proclaimed that the First World War was being fought because "The world must be made safe for democracy," in reality the overthrow of autocratic rule in Germany and Italy led to totalitarian regimes that were far worse. Those today who assume that the overthrow of authoritarian governments in Egypt, Libya, and Syria is a movement toward democracy are following in Wilson's footsteps.
President Wilson is often charged with getting the U.S. into World War I; and secondarily into World War II as a result of that first great war; but the truth must be told. Wilson tried hard to keep the U.S. out of WW I. When, finally, the war forced itself on America, Wilson mobilized the nation to fight it with all our might. The thing that caused WW II was not WW I, it was the ill-conceived treaty of Versailles at the end of that war, which Wilson vehemently opposed until he became so ill that he could no longer negotiate a more effective and sane conclusion to the great war.
Well…we are still involved in the controversy. Will overthrow of autocratic regimes in the Middle East make the world a safer place to live? I certainly think the threat of a nuclear Iran needs to be effectively addressed; but I wonder if Muslim countries are ready and able to accommodate democracy. Hmmm….?
Want to read more about this subject—look at http://bit.ly/FWCNAY .
22 March 2012
Ever since the administration of Woodrow Wilson, Americans have been enamored by the idea that overthrow of a despotic government will advance democracy and make the world a safer place to live.
To examine this idea, we should look back to history. In 1917, Wilson proclaimed that "heartening things that have been happening within the last few weeks in Russia." He was referring to the Bolshevik victory over the czar. That move paved the way for a totalitarian tyranny that killed more political prisoners in a year than the czars had killed in more than 90 years.
Although Wilson proclaimed that the First World War was being fought because "The world must be made safe for democracy," in reality the overthrow of autocratic rule in Germany and Italy led to totalitarian regimes that were far worse. Those today who assume that the overthrow of authoritarian governments in Egypt, Libya, and Syria is a movement toward democracy are following in Wilson's footsteps.
President Wilson is often charged with getting the U.S. into World War I; and secondarily into World War II as a result of that first great war; but the truth must be told. Wilson tried hard to keep the U.S. out of WW I. When, finally, the war forced itself on America, Wilson mobilized the nation to fight it with all our might. The thing that caused WW II was not WW I, it was the ill-conceived treaty of Versailles at the end of that war, which Wilson vehemently opposed until he became so ill that he could no longer negotiate a more effective and sane conclusion to the great war.
Well…we are still involved in the controversy. Will overthrow of autocratic regimes in the Middle East make the world a safer place to live? I certainly think the threat of a nuclear Iran needs to be effectively addressed; but I wonder if Muslim countries are ready and able to accommodate democracy. Hmmm….?
Want to read more about this subject—look at http://bit.ly/FWCNAY .
Monday, March 19, 2012
Souls in Transition by Christian Smith
I have been reading a book about Americans after high school and before they assume full adult function and responsibility. I think this is a land mark book to help us understand the confusing world in which we live.
This book presents a study of what happens to the religious and social orientation and characteristics of people transitioning into adulthood from adolescence—it looks at people at the age of 18-23.
The book notes that there are four new determining factors in the development of young people during these years—factors that have not been present in America previously:
a. The dramatic growth of higher education.
b. Delay of marriage.
c. Changes in the American and global economy that undermine stable, lifelong careers and replace them with lower job security, frequent job changes, and an ongoing need to approach careers with a variety of skills, maximal flexibility and readiness to retool as needed.
d. Parental willingness to extend the educational careers of their children even into the 30’s with monetary subsidies. It is the average behavior of parents of this age group to spend $38,340 on each child over the 17 year period from 18 to 34 in order to help them accommodate to adult requirements.
The features marking this stage of emerging adulthood are intense identity exploration, instability, a focus on self, feeling in limbo or in transition or in between, and a sense of possibilities, opportunities, and unparalleled hope. These are often accompanied by feelings of transience, confusion, anxiety, self-obsession, melodrama, conflict, disappointment, and sometimes emotional devastation.
This book presents a study of what happens to the religious and social orientation and characteristics of people transitioning into adulthood from adolescence—it looks at people at the age of 18-23.
The book notes that there are four new determining factors in the development of young people during these years—factors that have not been present in America previously:
a. The dramatic growth of higher education.
b. Delay of marriage.
c. Changes in the American and global economy that undermine stable, lifelong careers and replace them with lower job security, frequent job changes, and an ongoing need to approach careers with a variety of skills, maximal flexibility and readiness to retool as needed.
d. Parental willingness to extend the educational careers of their children even into the 30’s with monetary subsidies. It is the average behavior of parents of this age group to spend $38,340 on each child over the 17 year period from 18 to 34 in order to help them accommodate to adult requirements.
The features marking this stage of emerging adulthood are intense identity exploration, instability, a focus on self, feeling in limbo or in transition or in between, and a sense of possibilities, opportunities, and unparalleled hope. These are often accompanied by feelings of transience, confusion, anxiety, self-obsession, melodrama, conflict, disappointment, and sometimes emotional devastation.
Friday, March 16, 2012
It Costs Too Much To Do Business In America!
Japan has decided to lower its corporate tax rate to 36.8%. Japan previously had the highest corporate tax rate in the world. Now, the United has the highest corporate tax rate--39.2%.
The United States holds the world’s title for highest corporate tax rate, with average combined federal and state profit levies of 39.2%. That's higher than Sweden. Higher than Russia, China, Mexico, Denmark, and even France.
The last four years have seen numerous U.S. economic milestones—four years of trillion-dollar deficits, some $5 trillion in new debt, the loss of America's AAA credit rating, three years of near-zero interest rates (that have not done anything to lower unemployment), postwar records for federal spending as a share of the economy, and now the world's number one corporate tax rate.
To read more about this, go to http://on.wsj.com/AtqNG9.
The United States holds the world’s title for highest corporate tax rate, with average combined federal and state profit levies of 39.2%. That's higher than Sweden. Higher than Russia, China, Mexico, Denmark, and even France.
The last four years have seen numerous U.S. economic milestones—four years of trillion-dollar deficits, some $5 trillion in new debt, the loss of America's AAA credit rating, three years of near-zero interest rates (that have not done anything to lower unemployment), postwar records for federal spending as a share of the economy, and now the world's number one corporate tax rate.
To read more about this, go to http://on.wsj.com/AtqNG9.
Thursday, March 15, 2012
The Value of Family
Following is a letter from a 12-year-old girl to her grandfather in the retirement community where Nancy and I live. She wrote the letter on the occasion of his 80th birthday. Only the family name has been changed.
“It is amazing how one little act of kindness or one little thing you do can really benefit someone’s life! You have no idea how happy you can make someone feel just by even visiting them! There are many examples of things I learned from the O’Malley family. They have helped me learn the importance of family and how having a good relationship is very important!
“The importance of family is that family comes first, always! You have to take care of each other so when they have families of their own; they know how to take care of them too!
“You have to spend time together if you want to create memories! Laughing and sharing moments together is good for your soul! Doing things together helps you remember that family is the best of friends that you will never lose, and that will always be right by your side no matter what! The more time that you spend together, the better relationship and the better memories, you will share together!
“I know that the little things that you do for your family and friends, can make them happier than ever before! An example of this is when my whole family went to visit my grandpa on his 80th birthday. We had dinner with him and he opened up presents. That night we talked, laughed, and laughed some more! We made him a book of memories and photos of the family! It was a great way to display such happy and memorable moments! My grandpa was so happy! It was a simple thing to do, and a very easy way to make him happy! This taught me that we should all try to do something nice/kind to make someone happy every day!
“Family is the most powerful love, greatest love that you could ever have! Family encourages you to follow your dreams and to take chances! Family does things for each other that they would not do for anyone else. Family is just, super exciting! There is never a dull moment! Sometimes you lose friends easily, just from something stupid or something that you said. But family will NEVER leave you! They learn to forgive after you make a mistake! Nothing is more important and powerful than family!”
“It is amazing how one little act of kindness or one little thing you do can really benefit someone’s life! You have no idea how happy you can make someone feel just by even visiting them! There are many examples of things I learned from the O’Malley family. They have helped me learn the importance of family and how having a good relationship is very important!
“The importance of family is that family comes first, always! You have to take care of each other so when they have families of their own; they know how to take care of them too!
“You have to spend time together if you want to create memories! Laughing and sharing moments together is good for your soul! Doing things together helps you remember that family is the best of friends that you will never lose, and that will always be right by your side no matter what! The more time that you spend together, the better relationship and the better memories, you will share together!
“I know that the little things that you do for your family and friends, can make them happier than ever before! An example of this is when my whole family went to visit my grandpa on his 80th birthday. We had dinner with him and he opened up presents. That night we talked, laughed, and laughed some more! We made him a book of memories and photos of the family! It was a great way to display such happy and memorable moments! My grandpa was so happy! It was a simple thing to do, and a very easy way to make him happy! This taught me that we should all try to do something nice/kind to make someone happy every day!
“Family is the most powerful love, greatest love that you could ever have! Family encourages you to follow your dreams and to take chances! Family does things for each other that they would not do for anyone else. Family is just, super exciting! There is never a dull moment! Sometimes you lose friends easily, just from something stupid or something that you said. But family will NEVER leave you! They learn to forgive after you make a mistake! Nothing is more important and powerful than family!”
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