Well Done, House of Representatives

Republican leadership in the House took a gamble on an expedited procedure to get the PATRIOT Act extended and lost. Moreover, 26 Republicans crossed party lines to vote against renewal, including 3 “Tea Party Caucus” original members and 9 newly-elected Congressmen. Let’s hear it for democracy.

In Closing: 100 views of Edo; create 1.5M jobs; no jobs; what??; criminally bad; damn straight; joblessness.

Stupid Government Tricks

It’s hard to know where to begin.

Yesterday, Joe Biden announced the White House’s attempt to slam the barn door after the horse is gone. Or rather, “try again” to end tax cuts for the rich. Mr. Obama already had that opportunity: it’s called a veto.

Let’s not forget Joe LIEberman and the so-called “Internet Kill Switch” that has been getting a lot of press coverage lately — especially since it turns out Egypt can and did turn of the Internet this week. Senator LIEberman of course denies that his bill contains any such provision, but with bills being multi-hundred page monstrosities often partly written by corporate interests, who can tell. Of course the truth is that this is old news, recycled for the new year (how very environmentally friendly). More truth, it would be difficult to implement in the United States, to say nothing of probably unconstitutional. Not that this matters to the current crew in Washington.

Speaking of “who cares about whether it’s constitutional,” the PATRIOT Act is up for renewal. Further, it looks very much like it’s going to be quietly rubber-stamped while everybody is busy arguing about gun control, the National Debt, Social Security, austerity, and tweaks to last year’s health insurance “reform” bill. If you think that sucks scissors, click here and voice your objections. Look everybody from MoveOn to the Cato Institute thinks it stinks; let’s get rid of it.

Once we’re done with the PATRIOT Act, perhaps we can have some meaningful reform (or abolition) of the TSA, who decided this week that they aren’t going to let any airport exercise their legal right to opt out of having TSA grope their passengers. This despite the fact that “”Nearly every positive security innovation since the beginning of TSA has come from the contractor screening program….”

While we’re on the topic of unilateral decisions by government agencies that fly in the face of public opinion, the USDA has decided that not only can farmers plant genetically engineered alfalfa, it won’t even keep track of how much is out there or where it is. Since alfalfa is bee-pollinated, the genetic material from these plants cannot help but to spread wildly. This means, in the words of Alternet, that “you can now kiss organic beef, dairy, and many vegetables goodbye.” It also puts every farmer at risk of owing Monsanto a royalty for foolishly allowing bees to deposit proprietary genes on their land. (Yes, it has been a long time since I quoted Alternet).

But back to Congress. Is there anybody here who thinks it’s a good idea for girls 10, 12, or 14 years old to be having babies? Anybody? Bueller? Well, John Boehner and 173 co-sponsors think that’s just fine. At least, they don’t want any of their precious tax dollars or even your dollars in your own tax-exempt Health Savings Account to be used for an abortion if it turns out your daughter is molested. They have proposed that “rape” be redefined as “forcible.” So, drugged at a party and wake up with no underwear and find out you’re pregnant a couple months later? Pony up your own abortion funds or live with the “consequences”, sweetie. Your sister who was left quadriplegic in a car crash and was subsequently molested by somebody at the rehab hospital? Hope you’ve got cash. But clearly, I’m just being “emotional.”

Maybe John Boner is one of the few people to whom I should ascribe a special nickname. He’d be in rarefied company with Joe LIEberman, Pat “Go f*** yourself” Leahy, and That Asshat Michael Chertoff.

In closing: at this rate we’re on target for another record year of bank closures (and even bigger “too big to fail” institutions); too young not to work, too old to get a job; compare and contrast; HealthSouth; more VW; and 8 wacky jobs at great companies. Sorry, these positions are all filled.

How is this not Terrorism?

Mere minutes ago, I read about the shooting and death of third term Congresswoman, Rep. Gabrielle Giffords at a Tucson grocery store. She was trying to meet with voters; her last tweet invited people to come see and talk to her. She was a Democrat who supported health insurance reform and voted for last term’s bill. She won her last election by a narrow margin, and is the only member of Congress married to an active military officer (he was also an astronaut). Recently, her office was vandalized; she and several members of Congress have received threats over the health insurance reform bill that was passed last session.

Princeton University defines terrorism as “the calculated use of violence (or the threat of violence) against civilians in order to attain goals that are political or religious or ideological in nature; this is done through intimidation or coercion or instilling fear.” Dictionary.com‘s first definition is “the use of violence and threats to intimidate or coerce, esp. for political purposes.”

This woman was shot at the grocery store. Why? Because she was a supporter of health insurance reform? Because she was a damn broad woman in a position of political authority?

I’m going to make this very clear: she was killed for political purposes, and that is terrorism. But you won’t see the assassin prosecuted for terrorism, just murder. And you won’t see any admission by the Powers That Be that non-brown or non-Muslims could possibly commit terrorism because then we would have to address what really causes terrorism. And you certainly won’t see full-body scanners going in at the grocery store or the mall, because then we would all understand what security theatre is all about.

Update: I had forgotten about this. Funny, I hear it’s been taken down from Sarah Palin’s site!

In Closing: public option would cut the deficit; on unemployment and employment (oof); ok, 41% seems high to me, maybe we should reduce unwanted pregnancies; and bats in blankets.

Dodged a Bullet

I was traveling last week — which explains the two picture posts — but did not have the *ahem* pleasure of doing nudie shots in the full body scanner or the full grope floor show. More on my trip another day, if I both feel like it and remember.

Of course by now everybody has heard about these special “x-ray” machines that leave nothing to the imagination. In fact, I think it’s a little misleading to call these things “x-ray machines” because they don’t do what the unit in your doctor’s office does; they are a virtual strip search. And yes, it has been demonstrated over and over again that they can and do save favorite pictures. These things being true, I hope some overzealous Attorney General decides to prosecute the TSA for producing kiddy porn.

Even if you are comfortable enough with your body that this does not concern you, there is the matter of radiation. Although the TSA insists that everything is fine and it’s all perfectly safe, actual scientists who aren’t being paid to tow the party line disagree strongly. Pilots of at least one airline have decided that just maybe the scientists are right.

Oh, and did you know that That Asshat Michael Chertoff* is making money off the damned things?

So fine, you can opt out. Sort of. You can choose to have your private parts fondled instead, in a manner that in any other circumstance would be called sexual assault. Again I must ask whether it is legal at all to touch minors in this way. And the kicker? None of this would have stopped 9/11, the Shoe Bomber, or even the Underpants Bomber.

This doesn’t even address the 4th Amendment issues that the TSA and Federal Government would like to pretend you’ve waived by trying to get home for Thanksgiving.

But thankfully, Joe and Jane Average are waking up and just starting to say “No!” And Congress is even saying “Now just wait a minute here.”

It’s time to object to this treatment, consider abolishing the TSA, and look at how they do security in countries where the risk from a bomb is greater than the risk of somebody saying no.

In Closing: Shadow Scholar; millionaires don’t need tax cuts; a plane affair; how not to kill roaches; Congress prepared to screw homeowners to hide fraud by too-big-to-fail banks; ten times as many people care about jobs and the economy than the federal deficit, but I’m clearly only pointing that out because I’m a liberal; call a waaaahmbulance; insurance erosion; goin hungry; at least we’re “pay[ing] off debt” (even if it’s by letting the bank take the house, and just letting the credit cards go); and Shatner sings.

* It is a sign of respect for me to address him by his full and complete title! There aren’t many guys I’d do that for.

The Internet Ate My Homework

In the last 24 hours I have switched cell phones and had my RSS reader suddenly stop working. As a result, I’ve spent much of the last day digging out and trying to organize things — and that’s no easy task. So as much as I would like to write something deeper, I’ll be talking briefly about the group of cowards and self-centered blow-hards in Washington DC who are our elected Representatives and Senators.

Thanks to our elected officials preferring the company of insurance company lobbyists to that of citizens that can actually vote for them, we still have a health care system that costs too much and does too little. At least we will soon have certain “rights” when dealing with these companies, but some warn that these “rights” will translate into even higher costs. The House of so-called Representatives did get up off their collective asses to fix a looming slashing of what doctors would be paid under Medicare. Why is this important? First, your doctor’s costs of doing business have not gone down. Second, most major insurers base what they will pay on what Medicare pays. So this would within a year put some doctors out of business.

The House also managed to pass a campaign finance reform bill that would force candidates and political parties to disclose the identities of most big donors. Except of course for the biggest and most powerful donors. They are still free to own their own Congresscritters. Now the bill is ready for slaughter in the Senate.

A couple of Senators are actually trying to do something for children — odd in an election year since they can’t even vote. It seems that an unintended result of some immigration raids is that there are kids whose parents have been taken away. Those kids are often American citizens thanks to the clarity of the 14th Amendment. The bill in question would allow the parents to arrange care for these little Americans, make sure that they have resources and can report abuse, and prevents authorities from involving the kids in interrogations. Think what you want about the parents, but the kids did nothing wrong and deserve the protections of law. The end.

But what could our elected officials not be bothered to do? They couldn’t be bothered to protect servicemen from predatory car salesmen, not even for Mrs. Petraeus. They couldn’t be bothered to extend unemployment benefits for a million people, despite the fact that there are at least 5 unemployed Americans for every available job opening. And no, Sharron, people aren’t living a life of luxury in Las Vegas on unemployment benefits.

So Remember Come November. Vote for those few who have been taking care of your business in Washington, and against those who have been trying to obstruct your business. In the meantime, click here to figure out how to contact your Senators, and here to find your Representative. You’ll need to know your Zip+4, so dig out some mail first.

In closing: fat people don’t walk (an essay on urban design); a “silly” lady who desperately needed the 911 operator to listen (need help? these people can help); they hate us for our electricity; what would Jesus do?; it’s not your typical state dinner — don’t tell Michelle they split an order of fries; and your dose of Japanfilter, the Pepsi Strong Shot.

Twofer Thursday: This is Your Economy and Warren Buffett Redux

This is Your Economy:

The ADP payroll report is out today. They’re the people who print paychecks, so they have a very good idea how many private sector jobs there are. And in May, they say there were 55,000 more private sector jobs. All the gains came from the “service” sector: jobs that often begin with “how can I help you” and end with “is there anything else” (or alternatively, “would you like fries with that”). No new manufacturing jobs; no new construction jobs; no jobs doing anything that won’t be gone or irrelevant in 6 months. Tomorrow the Bureau of Labor Statistics will come out with their own numbers, which include government jobs. And since there are roughly 400,000 extra Census workers on the job right now, they are expected to announce something like 540,000 new jobs. Because those Census workers will be unemployed by Christmas, we should really call this 140,000 new and possibly permanent jobs. Once more, we haven’t added enough jobs to account for people entering the workforce (sorry, class of 2010!) let alone put the unemployed to work.

Speaking of the unemployed, the percentage of them who have been out of work more than half a year is at record levels. Sadly, unemployment is higher among parents, who have families to feed. Let’s not forget that the biggest reason for unemployment benefits is that those kids didn’t do anything wrong and still deserve roof-over-head and dinner-on-the-table. And in an unconscionable move, at least one employer is advertising that they won’t consider your application if you are unemployed! On what planet is it desirable to hire people who you know will jump ship for a better gig, when there are thousands of unemployed people desperate to work for you? Even without the public relations nightmare unfolding, how can this possibly be good business?

No wonder personal bankruptcy filings are up.

This is your economy. And now, in the face of a consumer revolt that threatens to turn into a voter revolt, Congress is actually considering doing something about the people who got us here. It sure sounds like too little too late, if it happens at all.

Warren Buffett Redux (a follow up):

Yesterday was the big day for the Oracle of Omaha. He had to sit down in front of the Financial Crisis Inquiry Commission and explain how the 3rd richest man in the world let a ratings agency he had partial ownership of overlook the real estate bubble. Well, he didn’t want to “look foolish” by sounding the alarm. After all, everybody was trying to make a buck in real estate. Nobody could have seen it coming, especially the company that was paid to see it coming. Which is it: he didn’t want to be the first to say anything, or nobody could have foreseen it?

Kind of unimpressive testimony. It’s almost like he was trying to invoke his right to remain silent.

In Closing: Androids don’t play Tetris; Wal-Mart’s lawyers warned the company not to be misogynist prigs in 1995; obligatory Gulf of Mexico oil spill items; Congressional slap-fight may make it hard to buy a home anywhere floods are a remote risk; Driving While Black (I feel certain that “brown” is close enough in many areas); cooking is hard; health insurance limbo; vaccine refusal puts everyone at risk; National Association of Evangelicals might actually be ready to face reality, that birth control prevents abortions; farewell Mercury; the 50 year “anomaly”; Governor Gibbons made the Real ID Zombie walk again, but the ACLU’s got a boomstick; and Star Trek insignia. Yes, I do try to always make the last item fun.

Why Housing Prices Won’t Go Up Soon

I know, I usually talk about housing over on my real estate site.

Today there’s a bunch of conflicting information about whether nationwide, house values are going up or not. Prices fell 2.5% in Q4 of 2009 (not in Vegas, but nationwide), but rose in December, but only if you looked at it on a “seasonally adjusted” basis. That’s a nice way of saying you ignore the fact that prices “always” go down in December. You could get dizzy trying to make sense of this data.

But here’s the thing. 1 in 4 homes is “underwater” right now — the mortgage is more than the house is worth — and it’s more like 7 in 10 here in Nevada. That means among other things, that the owners of those homes have limited ability to pick up and move to a new job, and that unless a very specific set of circumstances apply to them, they can’t realistically reduce their housing costs. Add to that the fact that a record number of mortgages are seriously delinquent or in foreclosure. Add to that the expert opinion that over 6 million delinquent homeowners will not be able to negotiate with lenders and will lose their properties. The mortgage system is overwhelmed and in need of reconstruction, and the latest program announced by the President is little more than a bandage on a chest wound.

So we’re not out of the woods yet, even though there are some signs of a trail ahead.

Here’s the next set of hazards as I see them. First, none of the plans out there do a thing to help legitimate investors. Investors are necessary, because not everybody will own their primary dwelling when all is said and done. If there is to be affordable rental housing, somebody must invest in it. Right now, it’s hard for investors to buy unless they have cash. And right now it’s almost impossible for investors to refinance or get any sort of assistance; somebody decided that only owner-occupants deserve help, so screw the family that rents from the investor. To a lesser extent, a sub-problem of this is the difficulty that non-citizens have getting mortgages for property in the United States. I currently have no, zero, zip, nada sources for mortgages for Asian or European clients (I speak Japanese and French), and can only help Canadians if they plan to live in the property.

Second hazard strikes close to home. Most of my neighbors are underwater on their mortgages. Banks are dumping properties for less than half what they sold for 3 years ago. None of the current refinance or loan modification programs has anything to offer people like me and my neighbors, people who can continue paying the bills each month but are underwater and have interest rates 1-3% above current levels. Now, every book about stock market investing advises that you must have an exit strategy — a plan for when to sell if things go right or even if they go horribly wrong. It’s far better to take a loss, even a loss of 50%, than wait for your losses to get even greater in the vain hope that things will turn around. If you buy on margin, sometimes this decision will be made for you by the brokerage and it is a very painful mercy. This being the case, the rational thing for many of my neighbors is to stop paying the mortgage, buy something nearby for half what they currently owe, and let the bank have their overpriced asset back.

Until banks are forced to face the reality that something must be done to fix every seriously underwater mortgage, and not just the delinquent ones, we will be at risk of more foreclosures coming onto the market. And since they will continue to dump these properties at unrealistically low prices, property values will continue to decline and housing construction will continue to be a money-losing proposition. That will in turn continue to put pressure on the budget of any state or local government that depends on property taxes for revenue, and that will put pressure on the Federal government to make up the inevitable shortfall.

In closing: Mr. Volker has some good ideas, some very smart people agree with him, and don’t cry for the banks (oh, I know you want to do just that!) because they won’t go bankrupt; The Senate is highly dysfunctional right now, with record numbers of cloture votes and 290 bills passed by the House sitting in the docket collecting dust (Hey Reid and Ensign! Get to work, you bums!); unemployed people don’t buy fast food breakfasts; and Rich People Sure Are Different (yeah, they pay almost nothing in taxes).

Public Option: Resurected or Zombie?

Let’s put the pieces together and see if we have something functional, or some kind of Frankenstein’s Health Insurance Reform. Americans are rightly disgusted by the thing that Congress has brought forth, mostly because it includes such odious things as mandatory coverage and taxing of “decent” health insurance plans. There is still a big health care reform “summit” next week, which is looking more and more like a circus the closer it gets. Health insurance premiums are continuing to rise steeply, and health insurance company profits are rising too, even though they managed to increase “political giving” — that’s legal bribes — 14% in 2009. Add the fact that more Americans are depending on Medicaid, while there is less money for the states to cover them.

Gee, no wonder Americans are disgusted by the idea of mandatory coverage and taxing plans that the tax code decrees too expensive.

Amid this backdrop, the President has finally announced that he will throw an official, Presidential seal of approval health insurance reform bill into the mix, and is planning on stapling it to a budget bill so it can’t be filibustered. He’s even indicated that he’s willing to back a public option — but only if Senator Reid will jump with him. Harry’s in a tough re-election race this fall, and could really use something to bring his polling numbers up. Ah, the real reason for his Nevada visit is out — it’s certainly not because the President feels he owes the Mayor a martini.

Perhaps the feds should start by killing two birds with one stone. If they fully fund Medicaid, the states will have an easier time making their budgets balance and all those extra people on the rolls (see above) will be proof that a public option can work!

But what about this new public option that might be under consideration? We don’t have any real details, so it’s hard to support it. Is it going to be a decent plan? Is it going to be cost competitive with the for-profit insurance companies or will it be a higher priced insurer of last resort? Is it going to have gutted provisions for women’s health so as not to offend the far religious right? Is it going to be available to all Americans, or only to a small percentage of us? Is it going to be saddled with triggers and means tests and all sorts of other crap that will cripple it?

In short, is it some variant of Medicare For All, or is it just another favor for insurance companies?

If this is the real deal — a resurrected public option — I will preach the gospel for it. But beware, if it is a zombie, I will be ready with my blogging boomstick to blow its head off.

In Closing: Getting ahead at the office and getting head at the office are mutually exclusive (I love the story of what was found in a certain executive’s office); a great t-shirt; there has to be some balance between what the community thinks education should be and what the educators think education should be; Japan has overtaken China as America’s biggest creditor; more people trying to ditch “too big to fail” institutions; Dude, where’s my stimulus funds?; class, race, and the War on (some) Drugs; TrueMajority; “Rich people create jobs, all we have to do is cut their taxes enough”? Might just as well wait for Santa to put one in your stocking; if this is true, the dumbest school administrators in the nation thought it would be a good idea to spy on students in their homes using the webcams in their school issued notebook computers; Catholic Charities has decided that politics is more important than that “helping the poor and the sick” crap that Jesus was on about (one more reason my charitable giving is secular whenever possible); and why people pirate DVDs.

Reform. For Freedom.

We have officially gotten to the point where corporations control us.

They control how much money we are allowed to make. They control our finances on the national, international, and personal level — badly. They control our health care in a system that is doomed to collapse under the weight of its own expense real soon now. Worst of all, they play by whatever rules they like while squeezing ordinary people to desperation. Now they have a green light to even more openly control our government.

And unless this worthless Congress remembers that the one thing corporations can’t do — yet, anyway — is vote, things are going to get worse rather than better. We desperately need real financial reform now, the kind that restores rules that worked through most of the 20th century and not the kind so riddled with loopholes as to be a gift to the financial services industry. We need insurance reform that puts more of our health care dollars to work providing health care and curtailing the abuse of patients who foolishly want the care they think they (or their bosses) are paying for, not a “reform” that forces everyone to participate in a broken system through mandatory coverage.

I’m proud to be an American, where at least I know I’m free,” the song goes. Free to do what? Free to get involved in staged protests of issues we don’t understand? Free to loudly proclaim “facts” with no basis in reality? Free to watch propaganda dressed up as news? Free to owe everything to the companies that hire us, care for us, and mis-manage our money with no hope of anything else?

If you don’t mind, I’d prefer a different flavor of freedom.

In Closing: Roman Army Knife; “Um, because it was the right thing to do and we didn’t want any lawyers saying we did wrong later? Was the 5th Amendment repealed while I wasn’t looking?”; nice to see that we are going to count job losses more honestly, but it’s a shame that Mr. Obama will be blamed for “losing” these jobs when he merely counted Bush Administration losses correctly; I couldn’t have said it better either; at least child abuse is down!; where genetic testing and “pro-life” collide; trees are loving global warming (much more so than the polar bears); and Americans are drinking more, but we’re not paying for the Good Stuff. So, uh, maybe the price of Scotch will return to rational levels? No? I thought not.

4 Thoughts on Health Insurance Reform

Notice I never call it health care reform? That’s because it isn’t. Very little of what is being discussed will change what happens between you and your doctor beyond how (and how much) he* gets paid.

As I see it, there are 5 points of view on the bill currently being rammed through the Senate:

1. It goes too far. This point of view has a problem with anything that might be called “socialized”. They are barely able to tolerate the idea that their tax dollars go towards schools where the people who will eventually sack their groceries attend; subsidies for buying insurance is way out! Let them get jobs that have decent benefits!

2. It does some important things, even if it’s a little too liberal. Hey, at least it’s making those lazy bastards buy insurance so they can go to a doctor instead of just sneezing their germs on me! In other words, it’s better than a lot of things and the bad things can be fixed later. Some people I generally respect hold this position.

3. It does some important things, even if it’s a little too conservative. Or, the Ezra Klein position. Hey, we’ll take out that Stupak thing in conference or something. At least there is some money set aside for subsidies to help people afford the overpriced and underfeatured health plans they will soon be forced to purchase. In other words, it’s better than a lot of things and the bad things can be fixed later. Huh, where have I heard that before?

4. It does almost nothing — except give favors to Big Insurance and Big Pharma. Or, the Howard Dean position. Progressives didn’t get anything they wanted or needed out of this bill. No public option. Pre-existing conditions can still be used to set rates. Corporations are still in charge, and because we are legally obligated to do business with them — that’s what mandatory coverage or “the coverage mandate” is about — there is no incentive for them to chance their ways.

In short, two points of view say “It’s better than nothing, and far better than it could have been,” and two points of view say “This is worse than nothing and should be scrapped.” While I appreciate where the others are coming from, I generally hold to view 4. What we wanted and needed was a short laundry list that included getting rid of abusive practices such as use of pre-existing conditions for coverage or pricing, rescission, and constantly rising prices, maybe 10 pages of law. What we appear to have is a legal requirement to bend over and take it, a law so long that the Republicans are threatening to make them read the whole thing out loud in open session.

And nobody is talking about not just the elephant in the room, but a veritable zoo: obesity rates raising the amount we spend on health care; baby boomers who will soon be on Medicare; obscene insurance company profits; a looming shortage of primary care physicians and experienced nurses to assist them.

* Um Yeah, that’s right, I said “he.” Not “he or she”, not “she.” Politically correct horsehockey aside, odds are very good your doctor is a dude. Don’t like it? Encourage women in your life to go to medical school. Just don’t get them any books on the subject like House of God. I can’t find the book that made me decide I wanted no part of medical school on Amazon, but this looks like similar content.