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Sunday, March 21, 2010

Now That HeathCare Seems Inevitable; What You Need to Know  

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By Nina Nintius



Now that the passage of sweeping healthcare reforms, including a requirement that the majority of citizens buy coverage whether they want it or not, seems fated to happen, there are several key elements you should be aware of.


Probably the most important thing is that hardly any of the changes take affect before 2014 with the bulk of the bill not kicking in until 2016.


Please read the following articles from the Christian Science Monitor which do such an excellent job of summarizing each aspect of the Bill, that I could not do it proper justice in a paraphrase. Now don't let their name fool you, they are very non-partisan in the way they tackle the news. Sticking to the facts, in context while leaving the spinning to the DJ's.



Health Care 101 Part 1 - Who Must Buy Insurance?

Health Care 101 Part 2 - Who Gets Subsidized Insurance?

Health Care 101 Part 3 - What's A Health Exchange?

Health Care 101 Part 4 - How Long Will Reform Take?

Health Care 101 Part 5 - Who Will Pay for Reform?

Health Care 101 Part 6 - What Will it Mean for Business?


That is all they have done on it so far. Check back on their site tomorrow in case there is more. However, they do have several related articles about the fix package mentioned as well as President Obama's promise to sign an executive order banning the use of federal tax dollars for elective abortions thus assuring that no subsidized dollars could be used for that either.


This one concession is not going to make the bill taste any sweeter. The GOP has already stated they will do all that is possible to get this bill revoked, while several states are discussing refusal to comply. It is going to be a bumpy next 4 years as this plays out on both sides.


Things I am most afraid of; 1. The Tanning Bed Tax opens the door for taxing of anything the govt deems is bad for us or that leads to needing medical care. 2. My share of my mandated premium effects our personal budget in a negative way. 3. That the Democrats have now paved the way for a GOP takeover of Congress which may not be worse but it so won't be better.


In the interim, there will be a presidential election, and at least 2 congressional elections as well. If I had but one wish it would be that we all vote down the middle. Tell the parties they don't run this country, we do. Because by the time they get done tossing it back and forth between parties in control, revoking and reinstating it...well...hopefully the world just ends and we won't have to talk about it anymore.



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Thursday, October 29, 2009

Simply Unreal Solutions for Real Big Problems  


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By Nina Nintius


The Empress has assumed control of the globe. The following declarations will be implemented immediately. The only discussions that will be entertained by your Empress are those in regard to expedition, not exception. Imperial Edicts will be complied with. Failure to comply will result in confinement and torture by political message. Please continue reading for vital information.


What was I thinking? True, it was always supposed to just be emotional ravings to release pressure and stress, and yet, as always, I had hopes that I would say the right thing or make the right point, causing light bulbs to go off all across the country.


That is never going to happen. People will agree or disagree as they always have. No one will ever change their point of view for that implies they were once wrong...or misguided. And yet I persevere.


Reality is a cruel Mistress. She stands back laughing while well meaning citizens cheer that the Government wants to provide 'free' healthcare...excuse me, 'affordable' healthcare for all while ignoring the fact that the Government is not a self-sustaining entity. It isn't even the care they are providing, it is insurance to pay for care that may or may not be needed.


Americans who work pay taxes. Tax dollars fund all of these programs as well as the salaries of all the politicians who push for them...programs largely utilized by Americans who don't work or are not working right now or who lack the education or motivation for a better paying job.


If our Government wants us to be charitable, let us pick the charity and make all donations to the benefit of another fully deductible on our tax return. This includes supporting family members, our pets and the funds we pay to support school programs.


Reality also rolls on the floor when rural Conservatives cry for the good old days, forgetting that until 911 they all thought Bush Jr was an idiot that only got elected because of his daddy; always pointing out that he was no George Sr.


Short term memory loss is typical in politics. Whomever is in command today is to blame for it all. They also forget that while Bush cut taxes to amazing lows, he followed up by spending billions on a war that would normally be funded by tax dollars. Those tax cuts should have been reversed once the war began but he didn't want to upset his party.


Ironically many of these die hard right wingers now bitching about Obama's spending are currently enjoying benefits that the Democrats pushed into existence. Benefits they need because the company they worked for was Republican so naturally they laid everyone off so the managers could still get their summer bonuses.


All the while neither side takes any blame for anything always blaming the other guy. Bailout money for corrupt financial institutions was put into effect at the tail end of Bush's term, subsidies for healthcare this year is Obama's baby. SSDD.


Don't cry to me about this party or that one. Don't cry to me about this president or that one. THEY ARE ALL THE SAME. If you funded their election you will get your way at the expense of everyone else. No matter who is in power – someone is going to get screwed. Hello? Is this on?


THERE IS NO DIFFERENCE. If you talk down this admin you will have 1000 conservatives singing your praises ignoring their own parties contribution to the problem. If you talk down the last admin you will have 1000 liberals cheering you on, also denying that their party is doing anything adverse currently.


Sure, helping big business helps the economy in theory. The theory being that they will use their extra money to make more jobs...only they don't...they buy cars and go on vacations that you and I will never afford. If it was really their money it would be fine.


But don't use my tax dollars to bail them out thinking they will reimburse all those drained IRA's (which is not the taxpayers responsibility either) when the reality is that they need that bailout money to pay bonuses already earned by their employees.


After 6 years working for an investment adviser, I can tell you that no one ever read their contracts or prospectuses, and no matter how many times we told them, INVESTMENTS ARE NOT GUARANTEED, they would still whine at every dip in the market. Investing in any financial product not guaranteed by the FDIC comes with RISK.


Not only that, but an investment with 1 million shares that was worth $1 million dollars but is now only worth $500k still has 1 million shares. If investors sit on those shares, eventually the value will come back – assuming it was a mutual fund and they are willing to wait at least 5 years maybe 10. It's called speculation for a reason.


And in theory, those who have been blessed with success should want to help those less fortunate, but who wants to be forced to do that? Especially when those being forced to help are feeling like the charity should be coming their way not the other way around.


Like the time I didn't have the extra money for some charity I had donated to the year before. The callers attitude that I was some how beholden to donate again annoyed me. I gently informed them that due to my financial situation I should be on their list of needy and to feel free to send us a food basket in lieu of the funds we donated the year before which we now needed back.


They never called me again.


Additionally, I have recently read the US Constitution in full, it isn't as long as you might think. And while it does have a lot of vague language about powers of Government that can easily be 'interpreted' to allow them to do anything they want with congressional support, it does not say that healthcare, insurance, or even having a retirement fund is a guaranteed right to us citizens.


In fact it is so vague in regard to the specifics of the Commerce Clause, the one that allows them to require we have car insurance, that the mandate attached to the new healthcare bill will likely be over ruled at the state level as being outside the scope of our Federal Governments powers. So why bother?


What it comes down to is this; The Federal Government is supposed handle the Military which protects our country from outside influence along with Foreign Policy, Diplomacy, Trade, etc. They are supposed to regulate the industries that have the potential to cheat all of us, but they are not supposed to manage those industries.


Federal Tax Dollars should not be spent on any program that is not directly related to the good of this nation as an entity. State funds are for the management of non private services, like Fire, Police, Teachers, EMS, Roads and other items which benefit the whole state thus being worthy of tax dollar investment.


Mandatory insurance will not guarantee any one will be healthier or that they will not spread disease, unlike car insurance, where reckless driving with out insurance is actually a threat to another life and livelihood.


No...if they really want to guarantee a healthy country the solution is so simple and far less expensive than the $894 billion dollars this new healthcare bill is going to cost us. Instead of this stupid plan, take a tiny bit of that money and use it to vaccinate the entire country from birth for FREE along with all the annual flu shots.


Inoculations are supposed to be the best prevention after all. If they truly want anyone to believe it is for the good of the entire country, that they want to prevent a pandemic, then they shouldn't charge for the cure.


As for everyone else, I am sorry, but America is, in fact, a Capitalist nation. While I personally would love to live in an Utopian Society based on brotherhood, pitching in, neighbors caring for neighbors, and doctors healing just for the pleasure of saving lives, that is not going to happen any time soon.


There are too many folks taking advantage and too many that just don't care either way.


Medicine is a business. Yes, the prices are too high for basic care as far as I am concerned. $700 for a band aid without stitches in the ER is outrageous, and I never would have bothered had I known the cost up front.


That is issue one, non disclosure of prices until the bill comes. Non itemized bills. General ER my ass. But business is business. Supply and Demand.


Not to mention the fact that hospitals and doctors already offer financial aide to the uninsured (which also explains the $700 bandaid) for which they are compensated for by the Federal Government in the way of tax write offs.


And don't forget the millions if not billions of dollars that are collected in the way of tobacco tax and alcohol tax, funds supposedly dedicated to paying for tobacco and alcohol related illnesses. How do this dollars factor into this new plan? Will universal health care eliminate those taxes? NOT


The next step, after the vaccines are done, is that we need to allow Americans to order medicines online from any source they choose. Let the individual decide if FDA approval is worth the extra $400 on an Rx. This will never happen mind you...there is way too much cash to be made by big pharmeceutical companies to ever allow that.


Beyond all these things, people simply have to stop wanting it both ways. We want to have the best doctors, the best research, the best drugs and the best service but dammit we don't want to pay for it...yet we do via our taxes every single day with more cost yet to come.


We want to have a home business and make lots of money on our own services, crying that we have to pay any taxes on that income, but that doctor who spent 12 years in school so he could carve the cancer out of your body without nicking a lung is not worth his fee.


If our Government, both Federal and State, truly wanted to save this country money, wanted to trim the fat and wanted to put tax dollars back in the pockets of working Americans, they would eliminate 50% of their personnel. All those committees being paid to find ways to save money or to implement the money already spent.


Lastly – I imagine a Government ultimately ran by volunteers. Someone not getting paid for their effort has nothing to gain by screwing us. Imagine all those politicians having day jobs? No time for lobbying, no time for deal making, they work, pay taxes, and feel the sting of coupon day at the local market...just like the rest of us.


Our military would be comprised of those volunteer citizens in favor of fighting, they can even bring their own guns and ammo. Think of the savings! Remember volunteer means unpaid.


Meanwhile those in favor of giving more than receiving can take to the streets as good neighbors, painting, sweeping, beautifying, serving, caring etc. They can bring their own supplies and their own gloves, goggles and masks...and of course their very own hard earned dollars. Think of that savings!!


Like the old saying goes...”If you want something done right...or at all...you should probably get off your ass and do it yourself.”


Thank You For Reading!! ~99Smile
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Wednesday, September 9, 2009

Reality Rant One  


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In the last few years I have risen and fallen on the coaster of confrontation. For a short period of time I took great pleasure in debating hot issues with others of differing points of view. However it soon became apparent that most people just want to argue without bringing any facts or common sense to the table. So lately I have been avoiding such discussions as I find myself even more emotional than those for whom I seek to reason with. Unfortunately my attempts to hold these feelings in has caused my system to shut down ALL emotions...not just the ranting ones.


So I did some soul searching and decided that the only way I could get my groove back was to start venting again. I thought about using my Facebook or Myspace account but I really prefer to keep those sites more social and fun saving my best rants for the solitude of my blog. Those who come here to read my blog will be doing so on purpose, thus no one will feel annoyed as they would were I to use my social connections for these ravings. To kick off the venting I am just going to hop from topic to topic. Essentially stating for the record where I stand on a few issues at the moment.


The United States of America is an English speaking country. People who wish to visit here or live here that were not born here are supposed to get permission, visa's, citizenship, etc. If you are vacationing here then get a tour guide to translate for you. If you are going to live here, learn the language. Speak whatever you want to your family but speak English to the rest of us. It is crazy when I think of my friend in Slovenia that speaks better English than half our residents and she has never even been here.


Yes I know a few people who know people who are fine upstanding members of society, who even pay their taxes, but who are not legally supposed to be here. To find that happy medium I love so much - I could get on board with a selective amnesty in which on a case by case basis citizenship would be granted to those illegals who have for the most part followed the rules and just flaked on the paperwork. But I will never get behind any blanket deal that just erases years of thumbing their noses at our border patrol and immigration laws.


The whole health care mess is almost beyond discussing at this point but here goes. If the government is funding the program then the taxpayers are the ones footing the bill. How in all that is logical does this sound good to anyone that works for a living? Then I read today that it was even suggested that enrollment in this magical government health plan funded by fictional non tax dollars be mandatory with a fine being imposed on any good citizen uninterested in participating!!


As far as I read the idea was squashed before it gained wide support. Yet it still disturbs me greatly that it was even suggested. This is the sort of thing that makes the democratic party look stupid and gives the republicans all the fuel they need to undermine any future suggestions that might actually have merit. Both parties should be abolished. Our electoral college is a total joke. There is no such thing as representation any more unless you are a key contributor to someone's election fund.


In this age of internet forums, blogs, IM's and podcasting there is really very little need for the sheer number of government employees and politicians we have panhandling and deal making at the capital. Congress should be made up of all of us out here in cyber space. A handful of moderators and a state of the art forum program would be all that would be needed to give each citizen time to voice their opinions, to be a part of the process. Bills would be written about 1 issue only without a lot of crap tacked on.


After issues were debated, national voting would take place by mail. Internet voting lacks the proper authentication plus several voters may share a pc. Not to mention that signature somehow makes it more meaningful.


Sadly it really doesn't matter how great an idea is. All that matters is what the masses want or are willing to live with. "Because that is how we have always done it" should be stricken from our vocabulary. Most people are perfectly happy with how things are so long as it doesn't really effect them.


Republicans cry when the Dems have control and then the Dems cry when the Pubs have control. Both run around trying so hard to make the other look bad. A Democrat could cure cancer and the Republicans would spin the story so that no one would believe the cure was real. Republicans could achieve world peace but the Democrats would spin it as a dictatorship and kill the idea.


Someday someone will suggest that they compromise so that everyone gets screwed equally. And right after that we will finally get our hover crafts. Of course that also means that Hell has frozen over so now there are demons roaming the Earth but you have to take the bad with the good right?

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