health insurance reform – Page 4

Shorties Horizon

Dead Zombie Horse: a few thoughts on health insurance reform. And Immaculate Infection.

Oh Christmas Tree, Oh Christmas Tree: you make a fine fish habitat.

Laughing all the way to the bank: Only $3 billion? Pshaw! Let me get my checkbook.

Speaking of Banks: FDIC may sue executives of failed banks to try and get some of their money back. Oh and if we won’t do anything about too big to fail, Europe will.

Just Call Him Phoenix: a real life superhero in Seattle.

Nice: The Westin St. Francis washes every coin it receives.

Nuts: the rift between environmentally conscious Christians and nutjobs who think Jesus will just fix the environment.

The Dude Abides: Well no, it’s really just Jeff Bridges.

Obligatory January Weight Items: most Americans think their weight and dietary habits are just fine, thank you. Here’s the 8 worst diet and fitness fads of 2010. And for the motivated, a kick-start workout guide (don’t forget to eat healthy foods in moderate quantities!)

On Poverty: officially and in reality. At least it’s creating jobs at Dollar General, for what it’s worth.

Nevertheless: I hope you never need to know this information.

On Republicans: Go ahead and read the Constitution. How do they get away with telling the same lies so much we start to believe it’s true? Three Cups of Tea (tell ’em, Howard!). Hey big businesses, what laws do you want to not follow anymore? Guide to Governance. The sane people are concerned. And an open letter.

On all the other parties: Ha! Seriously though, I’d like to see a big, televised debate between party leaders of all these “third parties,” live during prime time. It would be a great laugh (have you ever read some of the published party platforms??), and the few good ideas will get picked up by someone who can run with it.

Delicious: Bison.

Oops: I mean oats.

Immigration Reform: it’s more complicated than putting up a fence.

Images: ranging from merely amusing to mind-blowing.

Welcome to 2011.

Shorties Carpenter’s The Thing

Medical Breakthrough: 2 Hour tuberculosis test. Imagine being able to treat people now without risking that you’re treating something non-existent, and without waiting months to be sure.

When the Cows Come Home: Quite literally.

I owned one once: Bungalows.

On the President and the Economy: ‘Nuff said. Maybe we could use some good old fashioned labor uprising. And where are we going to get the jobs we really need out of tax cuts?

I am Lawful Evil: Heh.

Right On: Essential elements of filibuster reform.

About Effing Time: “You know, maybe we should hold banks to some sort of minimum capital standards!” D’ya think??

Speaking of the Banks: Refreshing Candor.

Dave Nails It: “Can’t get by on $250K? Try leaving your bubble!”

One of the Smarter Things I’ve Read about Yesterday’s Court Ruling: Remember, only the individual mandate has been thrown out.

Worth Thinking About: I don’t agree with all of it, but these are things we need to think about.

I love Radly Balko: In an intellectual way of course. On the TSA and ACLU.

The 99ers: read this.

Hope for Following the Law: cracking down on firms that just turn employees into contractors.

Fail: The War on Drugs.

Robert Reich: Enthusiasm Gap.

That’s it for today. Keeping it Short but sweet.

Make Me Mad

This morning I read a little item called “It’s time to stop blaming the lenders.” The essence can be told in less than one paragraph:

It’s okay that people made the mistake of borrowing more than they could afford. But is it really the lenders’ fault? Really? Maybe the banks didn’t deserve to be bailed out for their own poor judgment, but do the rest of us really deserve to bailed out for our own?

So let me make sure I’ve got this right. It’s our fault?

It’s Harry Homeowner’s fault that when he went to talk to Mary Mortgage-Broker, he actually believed her when she told him he could afford up to a $300,000 mortgage? It’s his fault that she lied to him, or pressured him into a pick-a-payment or adjustable rate mortgage he didn’t completely understand?

It’s Nicolle Bradbury‘s fault that she lost her job and — like so many other people — hasn’t been able to find another job that would allow her to continue making a modest $474 monthly payment?

It’s Joe Average’s fault that “everybody ought to own a house” propaganda combined with shoddy underwriting to create a housing bubble, even when the people who should have known it was a bubble said everything was fine?

It’s my fault that mortgage company executives were making insider trades?

It’s Darrell‘s fault that the mortgage company lost his paperwork not once, but five times?

It’s your fault that banks sold one another worthless securities based on your neighbors’ mortgages, and now sometimes can’t even figure out who owns what?

It’s our fault that banks hired scores of people with dubious qualifications to sign legal documents equivalent to swearing in a court of law, attesting that they knew things they couldn’t possibly know about our mortgages?

Is it also Nancy Jacobini‘s fault that her home didn’t look “lived in” enough for the goons hired by her mortgage company to change the locks? Is it her fault that he couldn’t be bothered to look in a window or knock on the door?

It’s Patrick Jeffs‘s fault that a mortgage company tried to take his home when he didn’t even have a mortgage with them?

This is nothing more than a pathetic attempt at victim blaming. It’s right up there with “she wore a short skirt so she deserved to be raped” and “he was walking at night; he should have known better.” The author should be ashamed of himself, but he honestly believes that it’s as simple as “no pay, no stay.”

In Closing: they want to build a steam powered computer; obesity is a threat to national security; venture capitalists are spending less money on new companies, which bodes ill for future job creation; average teen sends 3,339 text messages per month; girls can so do math; bad boys, bad boys, whacha gonna do?; health insurance reform isn’t over yet; overworked; and let me make sure I understand, the kids throw a wild party that got out of hand, and so you arrest the parents, leaving the kids to throw another party? Egads.

see more Lolcats and funny pictures

Follow-Up and Vegas Miscellany

In a way I wish I had waited until today to write The BAMTOR Principle. By some weird coincidence a bunch of other people have also noticed that Banks Always Make Their Own Rules that don’t necessarily have anything to do with the law. It turns out that many people knew that Wall Street was selling mortgage backed securities that were destined to fail. But what HuffPo didn’t bother to point out is that what those banks and brokerages did was in violation of the law. This blatant double standard — “laws are for little people” — will continue until the Feds start putting people in jail, levying huge fines against individuals who signed off on breaking the law, and states sue for the right to prosecute violations of state law.

In light of this, the banksters have the chutzvah to say that breaking up “too big to fail” institutions would create more risk. Yeah, more risk for their jobs.

As far as the economy goes, it turns out that 74% of Americans agree with me that regardless of what the government says about GDP, we are still in a recession. It’s getting more obvious that the numbers are being gamed. But don’t expect any administration in the near future to start talking about what inflation, unemployment, and GDP really are, because then we would all understand what deep doo-doo we are standing in and probably vote a lot of bums out.

Of course you need to be careful about voting bums out, as Christine O’Donnell and Nevada’s own Sharron Angle illustrate. Congruent Angle? Sorry I’m running out of Angle jokes.

And that brings me to an armload of local interest items. Let’s start with the spectacular view from the Cosmopolitan. Down the Strip a little bit, be careful about sitting by the pool at CityCenter’s Vdara, or you may experience their unique “death ray.” If you are planning on getting off the Strip, you will want to at least look over these amusing tips. One of the restaurants I visit regularly has been reviewed again, and I only recognize two of the things they were served. I haven’t talked a lot about it, but I am keeping an eye on the case of Erik Scott, killed in broad daylight by Metro in front of a Costco in one of our most yuppified neighborhoods. By the way, last week’s CSI did a great job of addressing it and not addressing it.

In Closing: electromagnetic spectrum; lies your teachers told you; cheap food costs dear; abortion does not have dire emotional consequences; Israel cannot have its cake and eat it too; people don’t like health insurance reform because it didn’t go far enough!; True Mud; a few words on taxes; Professor DeLong nails the Republican view of America; have we tried the simple stuff first?; Jack LaLanne is 96 (was I the only one who noticed Drew Carey’s homage in the blue “speed suit”?); and medical ignorance.

On One Hand We Have GDP; On the Other We Have Reality

Last month we were told that “Real gross domestic product — the output of goods and services produced by labor and property located in the United States — increased at an annual rate of 1.6 percent in the second quarter of 2010, (that is, from the first quarter to the second quarter), according to the “second” estimate released by the Bureau of Economic Analysis. In the first quarter, real GDP increased 3.7 percent.” Sure it did. The government says so and they would surely never tell us something that wasn’t true!!

Meanwhile, in Realityland, the FDIC took over 6 banks Friday afternoon. Canadian news sources are writing about the decline and coming fall of the United States as a “superpower.” This week we learned that the poverty rate rose to a 15 year high, with a 51 year high in the number of people actually living in poverty, 3,800,000 more than last year, including just under 1 in every 5 children who contrary to what some people think have no control over their circumstances. Despite the passage of a new health insurance reform bill, the number of people with health insurance dropped for the first time ever. The net worth of Americans has dropped roughly $12,300,000,000,000 since 2007. The small businesses that are vital to creating jobs both now and in future decades can’t get loans, and the new law that was supposed to “help small businesses” will likely do nothing of the sort. Big businesses are hoarding cash. Some people are calling it a “lost decade.”

Meanwhile millionaires are whining about the very idea that they might have to pay more taxes (when they aren’t screaming about the federal budget deficit) and admitting that they have had illegal immigrants working in their homes (rather than hire an unemployed American).

And the experts wonder why more Americans think a “third party” might be just the thing we need.

Next time, unless I am otherwise distracted, The BAMTOR Principle.

In Closing: let’s hear it for Elizabeth Warren!; “that guy who agrees with me is an expert, that other guy who doesn’t is a quack”; Senator Reid mad at Republicans blocking food safety reforms; “Sorry soldier, you’re too fat for this exercise program”; new rules to make it harder for banks to hide debt (like that will stop them).

Shorties’ Ladder

San Bruno: Admittedly, before this tragic explosion, San Bruno was mostly a BART stop to me. But one thing is very clear to me: we have got to stop waiting until bridges collapse and pipelines explode to make sure our infrastructure is in adequate condition! And here’s a little hint to politicians: You actually have to hire people to build and repair things like pipelines, roads, and bridges. Better yet, quality infrastructure makes it easier for the private sector to create jobs when these projects are completed! By the way, did anybody notice that PG&E are only committing to paying up if it is found to be their fault? Um yeah, I think Allstate and State Farm will see to it that they pay. Here’s video of the explosion taken at a nearby gas station.

Health Insurance Reform isn’t over yet: Premiums are still rising quite a lot faster than inflation, and insurers claim that this is because they are paying out more money (probably because certain shady practices had to be stopped). Meanwhile, there is one provision that must get changed. However, the Senate failed twice today to get it passed. Under an obscure provision — that has nothing whatsoever to do with health care — small businesses would be forced to issue 1099 forms to any vendor with whom they purchased more than $600 worth of goods. Somehow it is claimed that this would raise $17,000,000,000 in taxes. I just can’t see how that works. After all, I get receipts from my brokerage and local NAR chapter documenting how much I paid them; why is my sending them notice that I indeed paid what they admit I paid going to generate money for anybody but my accountant?

On the Federal Budget and the Deficit thereof: So those bad old Tax-And-Spend Liberals managed to reduce the deficit 13%, with control of Congress (although their “control” of the Senate is a strange thing). At least Tax-And-Spend Liberals know you ought to have money before spending it. But do you think any Democrats are going to point this out on the campaign trail? Probably not. By the way, I can’t understand why CNN thinks it’s newsworthy that the Federal Budget isn’t done yet. This has happened pretty much every year for as long as I can remember. Of course the budget deficit would shrink quite a bit if we just let the Tax Cuts For People Who Don’t Need More Money expire. Even Moody’s says that giving the rick a tax break doesn’t do jack for the economy, and they’re paid to figure this stuff out. Frankly, if the only way to make that happen is to accept higher taxes myself next year, so be it. Let me get my damn checkbook.

A Few Items on Education: School breakfasts are the coming trend (couldn’t they eat something more healthy than sugary cereal and whole wheat donuts? Sorry it’s still deep fried cake). David Sirota on the educational bait and switch that has left our students unfit to do much more than putter on computers and pour lattes. Why college grads can’t write despite employers begging for literate employees that can write a freaking memo. And more than you really wanted to know about student loans.

A Few Items on Banking and Financial Reform: It looks like the international community is telling us that we will tighten up regs whether banks and Congress and Bernanke likes it or not. However, the holes in the regs look remarkably like cheese from the region where the rules are even now being hammered out. Meanwhile, the SEC is trying to prevent financial firms from hiding their debt. Funny, we’re still having this issue how many years after Enron? Meanwhile, it looks like President Obama is actually going to do the right thing and put in a recess appointment for Elizabeth Warren as head of the Consumer Financial Protection Bureau. That means there is a chance things will be done that favor Joe Average above the Banksters. Oh and one more thing: if banks are failing to pay the feds back, why exactly aren’t the feds foreclosing on their worthless hides?

Cops Hate Dogs: It amazes me that someone who is sworn to protect the people can have such a low regard for living beings. One must wonder if they even respect human life.

“But that’s a nose in the middle of your face!”: Even CNN is pointing out that simply assuming people are physically able to work until they are 70 is an unrealistic plan for “saving” Social Security.

Silver Lining on the Economy is just Aluminum Foil: The wage gap between men and women is shrinking. My take is that the bean-counters figure it’s more cost effective to lay off the high-wage man than the underpaid woman, with the long term effect being that wages in general are lower when it comes time to hire again.

It’s still Sugar: High Fructose Corn Syrup is being re-branded as “corn sugar.” That doesn’t change the fact that most research says it’s not good for you.

If you build it, they might come: It turns out that Fiats may be returning to the states. That is, if certain Chrysler dealers build special showrooms for them.

Shorties Lake

Latte Economy Revisited: It turns out that more Americans think it is important to create jobs — and specifically manufacturing jobs — than worry about the deficit. Dave doesn’t think we have a Latte Economy; he thinks we have a “Cake or Death” economy.

Education Researchers Don’t Need Statistics: A real scientist looks at the “good kindergarten teachers will help your kids earn more money” study. Unfortunately the figures don’t add up.

Left of Center, Maybe: Great quotes. “If we were a right-of-center nation, you could win an election by saying you planned to eliminate Medicare and Social Security. After all, this would be an effortless way of leaving the unprecedentedly bloated defense budget intact while still cutting big ‘gubment.’ Instead such a proposal is grounds for getting you burned in effigy.” Also, “The reality: the majority of Americans are actually progressive whether or not they call themselves that. Poll after poll finds when Americans are asked how they feel about issues like the minimum wage, protecting the environment, gay rights and even gun control – the majority agrees with the Left.”

Follow up: Dipak Desai’s competency hearings are beginning.

You’ve got to read this and pass it on!: Ok, if you’ve been reading me for a while you probably know all this, but MoveOn’s got the top 5 Social Security myths. And they’re delightfully blunt about the motives of the people who keep spouting them.

Speaking of which, talk to Granny about where she gets her information on the health insurance reform bill: It turns out that a lot of senior citizens are very misinformed.

Funny Thing, Most of Us Get Fired for Not Doing Our Jobs: Five years ago I said “If you have moral problems with doing your job, you must quit. Today. Otherwise, you are saying your morals only matter when they inconvenience others. A vegan waitress knows she will have to serve meat unless she works in a vegetarian restaurant; a recovering alcoholic realizes he should probably not go to bartender’s school; pacifists normally don’t enlist in the armed forces.” This week a judge said yeah, you don’t have a right to only do the parts of your job that you like, and you don’t have the right to re-write your professional guidelines to suit your moral qualms.

It had been months since I linked Pandagon and now I’m doing it twice in one post: Some conservatives are in a tizzy that President Obama is sitting down to an interview with Barbara Walters and a few of her friends… on her daytime show aimed at a mostly SAHM audience. Here’s a little secret — it turns out that women have had the ability to vote since 1920, and the sort of women who can take the time to watch daytime TV have the time to get to the polls.

Fine, how do YOU want to measure it??: 10 key indicators show that yes, global climate change is real. That’s what most scientists call global warming these days so freak snow doesn’t confuse the small-minded.

It sure would have been nice for someone, like say the news media, to have pointed this out in 2002: Hans Blix on the fact that he found no Weapons of Mass Destruction in Iraq because there were none.

How nice for somebody, I guess: Health insurer Aetna made more money last quarter — even though they had less revenue — because of lower costs (that is to say, less paying for actual health care).

And finally: an interview with Isaiah Mustafa, “The Old Spice Guy.” Turns out he’s got some acting parts that involve wearing a shirt. Also turns out he’s a P90X guy.

Don’t Make This Hard

Just about everybody thinks that Elizabeth Warren would be the absolute best qualified and most knowledgeable person to run the Consumer Financial Protection Bureau. Everybody except Timmy Geithner and the big financial institutions that got us into our current mess and stand to be regulated by the bureau, of course. After all, she might do things that are better for the hundreds of millions of us who do business with financial institutions, instead of the institutions themselves.

So it boils down to this — and by this we will know where President Obama stands. Does he nominate the best person for the job and ask the Senate to confirm Elizabeth Warren? Or does he nominate some crony who will do whatever the banksters want? And is he brave enough to commit one way or the other before November 2?

In closing: Sharron Angle is at it again; bank profits are worse than they look, which may explain why we’ve had over 100 bank failures so far this year; a real public option could save the Feds $68,000,000,000 in the next 10 years (how can they rationalize not doing it?); insurers push plans that even further limit our choices (and may put an end to all but the biggest medical practices); just a few words about Social Security; if the economy is getting better, where are the jobs and why is the White House predicting no appreciable change in unemployment until 2012?; on education reform; on cocoa (and why is this legal?); “VitaminWater” is not healthy; roughly 1 in 5 Americans suffered a significant economic loss last year, part of rising economic insecurity; but investors demand revenue growth or else!; we’re cutting back on little things; rape is just fine with 92 House Republicans, as long as it’s not white women; the middle class is vanishing, and an oligarchy is in charge; and a little science fiction.

Am I Late? To the Discussion on Sex and Health Insurance, that is

It seems that certain loonies have realized that the recently passed health insurance reform bill actually might benefit women.

To wit, people — who happen to be women by the way — who manage to get coverage in the various state pools for those who can’t get traditional insurance due to pre-existing and/or chronic conditions might — might! — have abortions that are covered by that insurance. Now the President says something to the effect of “Oh no, no that’s not right. The Feds ain’t payin for no abortions. Don’t you worry your pretty little heads, religious zealots!” Actually, says a spokeswoman for the Department of Health and Human Services, yes they will be covered but if and only if it’s rape, incest, or the woman’s life are in danger (not health, but life). Now remember that the entire purpose of this pool is that the insured has health problems bad enough to keep her from getting insurance elsewhere.

Yeah, because society is really better off when we make cancer survivors and the like pay for their own damn abortions. Dirty sluts!

Elsewhere, we have rumblings that certain conservatives (who must have been out of contact with reality for the last few decades) are upset that insurance coverage for The Pill — and for that matter the screening test you need before the almighty Gynecologist will allow you access to a twelve month supply, and not a single pill more — might become standard. Or, as Amanda Marcotte helpfully simplifies it, “Conservative Groups Demand High Abortion, Teen Pregnancy Rates.”

I would like to address one particular statement from Chuck Donovan at the Heritage Foundation:

People who are insured don’t want to pay for services they don’t need or to which they have moral objections. Parents want to have a say over what’s covered and what’s not for their children.

Let’s take this to it’s logical conclusion, shall we? They want you to think that they have a moral objection to birth control (and abortion, which is prevented by birth control). The second sentence makes it clear that they object to sexually active teens having access to birth control. So he does make clear what those of us who have kept track of anti-abortion rhetoric for a while have long known: they are really against sex. Well, more accurately, any sex they aren’t having. If they are against their kids preventing pregnancy and support women people “living with the consequences of sex” as most so-called pro-life people claim they are, they must surely also be against curing any sexually transmitted diseases they may contract. After all, that syphilis or gonorrhea is a consequence of sex!

And so why should insurance pay for this? Why should it be insured when Joe Average fools around and accidentally gives Jane Average a disease she’d rather not talk about in polite company? I don’t support people cheating on their spouses! Do you?

And with that, I stumble on why research has developed no vaccine against AIDS, let alone any hope of a cure.

Well guess what? The overwhelming majority of Americans think it’s a good idea to let other Americans plan the size of their families. The overwhelming majority of Americans think that although abortion is often a tragedy, it is most often the best possible end of an even bigger tragedy. And yes, have no fear, almost everybody agrees that it is a good idea to cure people with sexually transmitted diseases.

As “reform” is implemented, let’s not allow our elected officials to forget that while the squeaky wheel may need greasing, that alone won’t get you where you need to be.

In closing: ghost ship at ground zero; Wall Street “Reform” will soon be law; notice what happens after 2001; and pictures of Kyoto. Next time, hopefully, something on the economy.

Shorties Saga: Eclipse

Ok, the title was kinda a cheap one.

Solar Airplane!: “The organizers said the flight was the longest and highest by a piloted solar-powered craft, reaching an altitude of just over 28,000 feet above sea level at an average speed of 23 knots, or about 26 miles per hour.” The biggest problems were drinking water that froze and an iPod battery that ran out. Maybe he could have used a solar powered MP3 player!

How to reduce unemployment, Republican style:

Susie’s Right: Maybe paying attention to the base instead of the cash, the cash and the votes will take care of themselves.

Comrade E.B. Misfit is right too: on Declining Sales and Spying on Americans (which seems to me a colossal waste of resources).

Roman Treasure: Amateur with a metal detector stumbles on thousands of rare old coins.

Well, I guess I’m willing to give up on ever being on MSNBC too: No really, a female employee was once found dead on the floor of then Congressman Joe Scarborough’s office. It’s true! And then the strange part happened.

Shoppers are back, but they’re picky: 10 months of retail gains, but things aren’t improving as fast as experts thought they would (or as fast as retailers would like).

Another Cartoon About Republicans (Because I Feel Like it):

Yeah, but you have to do business with Chase: Chase is offering discounted interest to small businesses that borrow money and then hire new employees. Interesting that they are trolling for “qualified” borrowers. I wonder how hard it is to actually qualify for the program.

This is going to be a mess: New reporting rules that were stealthily placed into the health insurance reform bill would require small businesses to report and file a form 1099 on any vendor from whom they bought more than $700 of goods or services. For example, I will have to report my office rent, my cell phone bill, and probably my office supplies. I might be able to get around reporting my NAR membership because the money gets split between national, state, and local organizations. Sounds like the “Put IRS Agents and Accountants To Work Act”. Hat tip to Jukkou-san, sorry it took so long to find an authoritative source.

Raise interest rates?: That’s what Kansas City Federal Reserve Bank President Thomas Hoenig says. His reasoning is that the economy is growing and rates are too close to 0% now. I agree, but for different reasons.

And Finally: Look out for sub-standard olive oil. I honestly don’t know what to tell you other than to make sure you trust your supplier, sniff it before you use it, and hope.