Middle-Class Families Robbed by Obamacare – Before and After Taxes

The New York Times just published an article claiming that middle-class families are better off financially.  They blithely overlooked the greatest tax increase in recent memory and the greatest increase in medical cost Americans have ever seen.  We have been robbed blind.

Many employers dropped or reduced their health insurance benefits and left their employees to shop Obamacare market places.  Not only are the premiums higher and the benefits lower, but now they must pay with after-tax dollars.  Insurance premiums paid by employers is exempt from payroll and income taxes.  Any of the premiums employee pays must come from earnings that have been taxed at about 8% for Social Security, Medicare taxes; the employer pays the same amount in matching payroll taxes.

But that’s not all; the employee also pays income taxes on the earnings – at least 15%.  So 8% + 15% is 23% fewer dollars in the employees’ pockets just to get the money to pay for healthcare insurance.  Since Obamacare started, health insurance for middle-class families has roughly doubled.  They get no government subsidies; they have fewer choices of doctors and hospitals; the deductibles and copays empty the bank accounts.  People who have worked hard, have been nicked by the recession.  They may be working for a fraction of their former incomes.  Families are now strapped for cash, and struggle to find medical providers that will accept their healthcare insurance.

Ask yourself, is the New York Times right?  Have we increased our incomes enough to rise above the tax grab and the insurance double-cross?  Our economic anemia verges on leukemia; Obamacare is the pathogen, not the cure.

Advertisements

Doctors & Hospitals Reject Pre-existing Fedicare

Health care providers are rejecting people with Obamacare policies, Medicare, and Medicaid because of reimbursement rates, and the financial inabilities of Obamacare patients to pay their share.

Context

Insurance spreads large financial risks over a pool of people who face that risk.  Only some of the people will actually experience the losses.  Members of the pool pay “premiums” to pay the losses, administer the process, and provide a profit to the owners of the insurance company.

Insurance companies use “underwriters” to:

  • Measure the potential financial risks of issuing policies
  • Set the conditions included and excluded
  • Set the premiums and duration of coverage

The idea is to:

  • Keep premiums low for normal risk people
  • Set higher premiums for people with higher risks
  • Limit coverage for conditions that already exist
  • Decline people who are high risk

Obamacare Reality

Obamacare health insurance plans cannot decline people with pre-existing conditions, by law.  The medical costs are not a risk for these people, they are an enormous, financial certainty.  These high costs must be covered by premiums paid by other insured policy holders, or absorbed by the insurance company.

Obamacare prohibits “marketplace” insurers from rejecting high-risk applicants, and people with preexisting conditions.  However, not all policies are created equal.  The variables are:

  • Premiums
  • Government premium subsidies
  • Patient co-payments
  • Patient and family deductibles
  • Reimbursement rates (the amounts insurers pay the doctors, laboratories, imaging clinics, and hospitals)

Service providers need to get paid an acceptable amount, in an acceptable amount of time.  Insurers offer reimbursement levels, but providers do not have to accept them.  Providers can set the minimum for their services, but the insurers do not have to include them in their “network.”

The medical community now does what insurance companies used to do – when in doubt, decline Obamacare, Medicare, and Medicaid patients.

The top quality insurance companies are withdrawing from the marketplaces to avoid the losses they experience from the pre-existing condition patients.  The insurers are limiting the types of plans to Health Maintenance Organizations (HMO’s) which only use selected providers.  They are eliminating Preferred Provider Organizations (PPO’s) which give the insured choices of providers within a selected “Network,” and “Out of Network” for higher copays.

People are dropping their health insurance because the combined costs of premiums, co-pays, deductibles; the lack of providers who accept their insurance contributes to this attrition.

Joint FBI-US Attorney Probe of Clinton Foundation – Could It Be a Political Maneuver?

I guess I am becoming cynical and suspicious of the FBI and the DOJ after the email investigation.  Now, the FBI will send their notes to Congress.

Per NBC:  “The notes are not verbatim transcripts of the interview, which Comey said lasted three and a half hours. Under the FBI’s long-standing policy, agents do not make audio or video recordings of their interviews. Instead, summaries of the interviews are written on FBI Form 302, and have come to be known as “302’s.”

An FBI policy paper explains that “the presence of recording equipment may interfere with and undermine the successful rapport-building interviewing technique which the FBI practices.”

Two years ago, however, the Justice Department said FBI agents should begin recording interviews, but only involving “individuals in federal custody, after they have been arrested but before their initial appearance” in court.

That rule did not apply to the Clinton interview, which was voluntary. She was not in custody, nor had she been arrested.”

Here is a Forbes article that reveals the strange FBI policy in detail:

http://www.forbes.com/sites/harveysilverglate/2011/07/27/constructing-truth-the-fbis-nonrecording-policy/#5d30f16e17f0

After you read the rationale for weakly justified policies, it becomes clear that the FBI wants complete control to manipulate the information it gathers.

Who knew about this policy while the so-called investigation was going on?  If we had known, we could have insisted that someone other than the FBI conduct and record the interview under oath, like a deposition.

What kind of rapport building did the FBI need with someone as sophistated as Hillary? Why did she not speak under oath?  What is the FBI policy that prohibits that?

How could they later know if she lied to the FBI?  This is ridiculous, and obvious.  The FBI could very easily have recorded what she said and made their interviews with Hillary Clinton accessible to us; but consciously, they chose not to. Hillary says this clears her, so stop talking about the emails.

Now we hear that the FBI and the US Attorney are investigating the Clintons’ Foundations for signs of impropriety, such as influence peddling, and accepting inappropriate foreign donations.

I would not get my hopes up that the investigation will yield anything negative before November.  The idea is to do away with lingering questions like they have with the emails.   The probe will allow the Clintons to block any inquiries that might be harmful by claiming it is part of an “ongoing investigation.”

Actually, I would not be shocked if we get an “all clear” in October to boost Hillary’s trustworthiness polls. It seems that neither the FBI nor the DOJ can be trusted; we cannot rely on anything to be honest or sacred in the halls of the federal government.

 

What if Trump Wants to Lose? – Reality TV at its Finest

Interesting; both candidates for President are set for life, no matter who wins.  Aside from political ambitions, what other consequences can we think of?  Speaking engagements, books, endorsements; contributions to “selected” organizations, trust, foundations?

I think that is why Trump keeps upping the ante.  He is probably just as surprised as the pundits that he is the Republican candidate for president.  He is geared to parlay events that favor him into big wins.  But what if he does not want to win?  Could he be testing the limits of our national appetite for trash talk?

And, what about his campaign team?  In mid-August, Donald shrugs off the RNC “sheeps clothing” and resumes his “Wolf of Pennsylvania Avenue” regime.  An experienced manager tries to get him to smooth public dismay, and assume RNC campaign strategies; Trump demotes him and resumes fraying the tightrope to the White House.

Back to the show without protagonists; it must be amusing and frightening to watch our silliness.  All our military power, all our amazing creativity, dimmed by this imbroglio.

Timid, cowering politicians, showing everyone we have no cohesion, no clear direction, no acceptable answers to quell the “masses” who intuit the vacuum of power in our country.  Since 9/11 we have been “dazed and confused;” what should we do, whom should we trust; whom should we fear?

Flaying with “Shock and Awe;” useless, ignorant “boots on the ground” in places rich in resources, but impoverished in modernity.  We have shown our naiveté by superimposing our values and culture on 7th century tribal people.  Iraq was not even a country before Churchill drew a line around three feuding ethnic groups and assigned a titular government.  Afghanistan is the graveyard of many invading armies.

Donald Rumsfeld’s endorsement of Donald Trump is emblematic; the man who almost single-handedly emasculated Americas military, feebly blesses a novice in military affairs.  Sad, sad, sad.

I always thought of America in superlatives; strong, honest, forthright, steadfast, resourceful, courageous, and blessed come to mind.  Our moral infrastructure is in such disrepair, that we cannot stand for anything as a nation.  We have such weak bonds with each other, that we waste our energy and resources on things of little consequence in the world.  We blame each other for problems no one could create or solve.  We are frustrated with the impotence of government to do what it cannot.

  • Are we still recovering from the shock of a homeland attack?
  • Have our imaginations and fortitude been diverted to virtual reality?
  • Are we happy that we chose two weak candidates for President?
  • Are we that detached from reality?
  • Do we think this is just another show on TV?
  • Is our decline that obvious to the rest of the world?
  • Are Russia and China taking advantage of our frazzled reticence?
  • Where are the serious leaders we need?

We need citizens to accept individual responsibility and to participate in the things that matter – the true threats and vital problems; not bathrooms and weddings.

As in the TV series House of Cards, the voters are not in charge of anything. If we remain the audience for a reality TV Show, it should be called Decline.  You are never fired; in fact, you are stuck in a job you cannot afford to lose.  We could wake up like Gregor Samsa in Kafka’s Metamorphosis; no control over, and less understanding of what is happening to us.

Saul Alinsky was an important personal mentor to Hillary; his books are modern, grass roots, activist versions of Machiavelli’s The Prince, and Karl Marx’s Manifesto of the Communist Party.  Listen to the rhetoric of semi-incumbent,Hillary Clinton, and parse out the words that are not in Rules for Radicals.  She does not have any answers that were not available to another Alinsky apostle, Barack Obama; how can anyone believe she can do what he could not?  Not that Trump has any silver bullets either; but voting does not have to be rational; and so it is not.

Kizr Khan waved the Constitution on TV, but he must not have read the powers of the Congress, the President, and the Supreme Court. Had he read and understood Articles I, II, and III, he would know that all these sweeping promises candidates make are not within the powers vested in the Presidency.  If they could have, they would have.  Obama has stretched every possible executive power; what can any president do without Congress and the rest of the nation?  Read the Constitution and the Bill of Rights.

But I digress.  Just think; what if what Donald Trump never intended to become President. It has cost Donald Trump virtually nothing to become a famous world figure and a national icon.  He definitely, upset the powers-that-be in the RNC.  He awakened an army of citizens who have suffered too long from economic and government impoverishment.  Even if the presidency goes to the second most unpopular, and widely distrusted candidate, both she and Trump are set for life.

 

 

 

$20 million to Destroy $11 million of ISIS Trucks and Oil?

This weekend, U.S.-led coalition aircraft destroyed an estimated $11 million worth of oil and trucks over the weekend in the largest single airstrike this year against the Islamic State’s black market oil trade in Syria.

“You’re going to have multiple effects from this one strike,” Air Force Lt. Gen, Jeffrey Harrigian, commander in the Middle East, said Tuesday. “We’ll have to see what this does to their ability to generate fighters.”

Waves of aircraft destroyed 83 oil tankers sitting in the open in Sunday’s attack.

The attacks were ordered after a pilot spotted some vehicles gathering in Deir ez-Zor province, a key oil-producing region in Syria controlled by the Islamic State, also known as ISIS or ISIL.

The coalition command sent a surveillance aircraft over the area. The command then quickly directed A-10 attack planes, F-16s and two coalition aircraft, which together launched more than 80 weapons, including bombing and strafing runs, at the vehicles.”

Air-to-ground missiles, A-10’s, F-16’s, drones, satellites, technicians, pilots, all cost money – a lot of money.  One first generation Hellfire missile costs about $100,000; an F-16 costs $165 million each, plus $30,000 per hour to fly; drones cost $100,000+ to build and take a large infrastructure to operate.

I am not saying that we should not use our resources to take out the enemy, just quit warning them ahead of time and hold off on the bragging.  If all we are doing is destroying trucks, it may cost us as much as it costs them.  And are these people our enemies? Do we always fire a few warning shots so the experienced operators and soldiers can escape? Is this some weird video game war? Yes, I am serious:

“In the initial Tidal Wave II strikes last year, the coalition dropped leaflets on oil tankers before launching attacks, encouraging the drivers to flee their vehicles.

New military rules don’t require leaflets to be dropped, but pilots fire warning shots, typically consisting of bombs or rockets that are not aimed directly at the convoy.

“We’ll do that … to give them a chance to run,” Harrigian said.”  Jim Michaels – USA Today

http://www.usatoday.com/story/news/world/2016/08/09/islamic-state-oil-trucks-destroyed-massive-strike/88459864/

Sure, we can outspend ISIS; their $2 billion annual budget is peanuts compared the money we are prepared to spend to put them out of business.  But are we really serious about defeating the enemy?

American Royalty – Power Without Heart

 

The 2016 presidential campaign harkens back to the earliest years of our nation.  Democracy, Republic, Three Branches of Government, Bicameral Legislature, By The People, Checks and Balances were new ideas.  Did everyone agree?  Not in the slightest.  And they had not invented political correctness in the middle of the 18th century.

No; instead, anonymous, pamphlets of slanderous accusations and invectives, swirled like blizzards across the newly formed United States of America.  The reins of power were not certain or predictable. Contenders for office came from all walks of life with no “party” to promote them.

The evolution of America’s two major political parties took some time, but those in power were hardly poor or neutral; power is the ultimate opioid.  Despite conflicts, Democrats and Republicans play the same games; they expect to win and lose from time to time, but both sides know the rules of placating the masses by making them think they have a voice in what goes on.

Until recently, the pretense of two radically separate political bodies survived, and thrived.  Now, two is not enough, talk is not enough, rhetoric is not enough.  Americans are tired of the same old crap: “They” are bad, “We” are good.  We will fix (what they broke, again).  They found out that there is just one old machine with two faces; they do not want it anymore.

The 9/11 attacks, the wars in Iraq and Afghanistan, the mortgage fiascos, the collapse of investment banks, the explosion of college costs and debts, the Great Recession, the expansion of global terrorism, have shaken our confidence in America, in ourselves, and in our institutions.

We have lost the super in superpower.  Our military is so weak, we have to send the same soldiers back into combat again and again until they break; we spend millions of dollars on a drone strike to kill a dozen enemy soldiers so we can avoid American casualties.  The all-professional military means that average citizens are not involved; we do not feel like we are really at war.  What would make us think that?

The same old promises will not work on brand new problems any better than they did on the old problems.  Conspiracies seem to explain current events better than the lame “official” excuses and falsehoods WikiLeaks keeps uncovering.  And just maybe the truth is not that far off.

We have lost the attention span to take politicians seriously.  Incumbents no longer offer us advantages. Hence the wave of populism, barely dodged by the Democrats secret machine, and now staring the Republicans in the face.  The political czars are going to any length, including crossing over to the other side to avoid losing control of the constituencies they have cultivated.

The trouble is, the new constituencies are awakened, vocal, mobilized, and revolting against Big Brother.  They want purpose, they want independence, they want liberty, and at least a passing chance in their pursuit of happiness.

It looks like the machine, with all its money, influence, propaganda, connections, and experience may win again this time.  I am unhappy that my country, with all its advantages, cannot cultivate enough honorable leaders to field worthy candidates for president, and remain loyal when the voters speak.

The DNC Chose Krizr Khan Very Carefully – A Sad Abuse of a Gold Star

As a Vietnam veteran, I honor Captain Khan’s valiant service.  I too was a Captain serving in a foreign war.  My brother spent two tours in Vietnam.  My wife’s 19-year-old brother died in Tet 1968.  I guess we were a Gold Star family too.

I am not in favor of the family or the opposing political candidates using his death as a political platform.  This is a dark use of an honorable man’s tragedy.  Using a Gold Star as a shield for partisan purposes is sad, and verges on disgrace.

I have visited the resting place of my fallen comrades in Arlington Cemetery, I have read and touched the names of people from my life engraved on the vast, black, Vietnam Veterans Memorial Wall; I have read and support the Constitution, and the Bill of Rights; I support the First Amendment which defends free speech, even when used for such ignoble purposes.

Background:

Both Krizr and Ghazala Khan were born and brought up in Pakistan, he received his bachelor of law degree from Punjab University Law College in Lahore, Pakistan in 1974.  Ghazala taught Persian at a Pakistani college.

Soon after getting his law degree, they moved to Dubai, United Arab Emirates; their two elder sons, Shaharyar and Humayun, were born there.

There is an unexplained gap in Mr. Khan’s work history; there was no indication on his law firm website of what Mr. Khan did, or where he worked the six years from 1974 to 1980.  Then the family moved to Boston, straight into Harvard Law School.

In 1982, Mr. Khan received his masters of law degree from Harvard.  The family then moved to Maryland; it is not clear where he worked the sixteen years from 1982 to 1998.

1998 to 2007, Krizr managed the Litigation Technology Services group at the international law firm of Hogan & Hartson, Washington, DC, including European and Asian offices.

From 2007 to 2010 he was Director of Law Technology & Electronic Discovery at a major global law firm based in New York.

(Note:  This history seems to conflict with the statement from his speech, “Like many immigrants, we came to this country empty-handed.”  Q:  Why would he put that glib cliche in his speech, when it seems so unlikely to be true?)

The oldest son, Shaharyar, was a top student at the University of Virginia, where he got his PhD in Neuroscience.  He co-founded a biotechnology company, Gencia Corporation, in Charlottesville, Virginia, where he serves as Chief Science Officer.  His youngest brother, Omer, currently works at Gencia as a research specialist.  Mr. Khan now works as a legal consultant in Charlottesville, Va.

The second son, Humayun Khan, took ROTC while attending the University of Virginia, and received his commission in the US Army upon graduation in 2000.  In 2004, Humayun died from a suicide car bomb explosion at the gates to the base in Baqubah, Iraq.

Q:  Who killed him?

A:  His enemiesour enemies; the enemies we do not want here in the US.

Perspectives:

  • 3.3 million Muslim immigrants equal .9% of the US population. (365 million)
  • About 6,000 Muslims have served in our military since 9/11, (.27% of the 2.2 million US Military)
  • A total of 14 Muslim US soldiers have been killed in Iraq, (.31% of the 4,424 total deaths)

The Speech:

With this background, here is Mr. Krizr Khan’s DNC speech:

“Tonight we are honoured to stand here as parents of Captain Humayun Khan and as patriotic American Muslims – with undivided loyalty to our country.

Like many immigrants, we came to this country empty-handed. We believed in American democracy; that with hard work and goodness of this country, we could share in and contribute to its blessings.

We are blessed to raise our three sons in a nation where they were free to be themselves and follow their dreams.

Our son, Humayun, had dreams too, of being a military lawyer, but he put those dreams aside the day he sacrificed his life to save the lives of his fellow soldiers. Hillary Clinton was right when she called my son ‘the best of America’.

If it was up to Donald Trump, he never would have been in America. Donald Trump consistently smears the character of Muslims. He disrespects other minorities; women; judges; even his own party leadership. 

He vows to build walls, and ban us from this country. Donald Trump, you’re asking Americans to trust you with their future.

Let me ask you: have you even read the United States constitution? I will gladly lend you my copy. [he pulls it out] In this document, look for the words ‘liberty’ and ‘equal protection of law’.

Have you ever been to Arlington Cemetery? Go look at the graves of brave patriots who died defending the United States of America.

You will see all faiths, genders and ethnicities. You have sacrificed nothing and no one.

We cannot solve our problems by building walls, sowing division. We are stronger together. And we will keep getting stronger when Hillary Clinton becomes our President.

In conclusion, I ask every patriot American, all Muslim immigrants, and all immigrants to not take this election lightly.

This is a historic election, and I request to honour the sacrifice of my son – and on election day, take the time to get out and vote.

And vote for the healer. vote for the strongest, most qualified candidate, Hillary Clinton, not the divider. God bless you, thank you.”

Summary:

Statistics certainly do not diminish or relieve the terrible pain of losing a son, or a brother, or any loved one.  Clearly, Humayun was a hero.  But he was a rare example of Muslim participation in our military

The DNC was brilliant in choosing one of the 14 Muslim Gold Star families to represent loyal, patriotic Muslims.  Unfortunately, the presentation implies a larger number of such families, and a larger Muslim participation in our nation’s defense.

It is clear, though, that Mr. Khan, and Mr. Trump have never met; both are assailing each other from the parapets of fixed partisan positions, based in rhetoric and hearsay.

It is sad that a Gold Star is being abused for political leverage.

Public Broadcasting Unable to Balance Reporting on Campaign 2016

I am sad and embarrassed that I have defended PBS ala KERA for years against politically conservative and independent friends’ accusations of blatant bias to the left.  I tried to support the balance of individual programs, like Diane Rehm, and the “broadening” value of clearly unbalanced programs like Texas Standard, The Takeaway, and Latino USA.  But I have been undermined by the clear favoritism displayed for Hillary Clinton.

If I had not watched start-to-finish PBS coverage of both national conventions, and listened to subsequent commentary on TV and radio, I might have continued this defense.  Alas, after this experience, I surrender to the right-wing and independent critics.

Did anyone else notice the obviously terrible sound engineering during the Republican National Convention?  Constant drowning out of the commentators by the convention floor noise was, if not intentional, amateurish.  Again and again, the words of the cast were obliterated by background sounds.

Not so during the refined, carefully orchestrated coverage of the Democratic National Convention.  In fact, a transparent barrier appeared behind the broadcasting commentating crew, which, seemed to dampen the convention floor noise and allowed viewers to clearly hear every favorable word spoken.

This morning, I heard Cokie Roberts suggest the best strategy Hillary Clinton should use to counter Donald Trump, i.e. (as closely as I can remember,) “she should not waste her money on TV ads, that seem not to have any effect, but on get-out-the-vote efforts.”

It is no secret that Cokie Roberts is not acting as a neutral journalist, but as an undisguised supporter of Hillary Clinton.  I did not hear that clarification before, during, or after the segment described as the news.

I feel betrayed.  I have my own political ideas, and try mightily to encourage balance and civility in the discourse between partisans’ increasingly divisive rants.  I discourage both ends of the political spectrum from ad hominem attacks and political “racism” (e.g. “conservatives are all idiots.”)  Yet, here I am, overwhelmed by the evidence of bias.

I can no longer underline the “public” in Public Broadcasting System.