Following Up

Earlier this week, I said the FDIC was preparing for a too-big-to-fail institution to fail, and I speculated that Bank of America was the most likely candidate. Looks like bond investors figured the same thing.

Just yesterday I was on about an article suggesting that instead of blaming the banks for committing fraud, we instead blame the victim for not paying his mortgage. I wasn’t the only person who took offense at that ill-considered piece of garbage.

It’s been a while since we’ve heard much stink about property rights cases like Kelo vs. New London, where property was taken simply because somebody thought there was a market for something nicer. It turns out there are “environmental costs” to those developments, many of which are no longer viable since the real estate bubble burst.

And here’s one from way way back there. Somebody needed a study to show that small businesses create jobs? Next thing you know we’ll be studying whether or not things fall when you drop them.

In closing: Fox and Cablevision play chicken; etiquette schools; “honey, which can did you use?”; and “You’re much stronger than you think you are,” said Superman.

Now I’m Allowed to Tell You

You are probably aware that some time back, Scott Whitney invited me to start cross-posting my weekly Vegas real estate summary — Friday Figures — to the Living in Las Vegas Blog and Podcast. About a month or so ago he wanted to talk to me about his super-secret new project.

Well, the project has officially been announced, and this weekend the Vegas Video Network will be starting to broadcast live and VOD programming. I will have a show on Friday afternoons called Getting REAL (Estate) in Vegas. In addition to talking about local real estate issues, I will have guests and talk about real estate in general. My first guest will be Bruce Cannon of WIN Home Inspection. If you have a question for him, a real estate question for me, or are interested in becoming a sponsor of my show, send me a comment or email.

A Midsummer Day’s Post

Happy Solstice! Now might be a good time for some bloggy closet cleaning (did mine with the redesign, thanks!).

And here’s a little meme courtesy of Kathy. Here’s how it works: Google up “[your name here] needs.” My needs are interesting. I apparently need:

  • Your Support
  • a Spring Haircut
  • a Forever Home
  • and to Change.

How about you?

In closing: exploring the universe; a new way to get on the freeway; Keep on shoving that shoe into your mouth, Sharron; where the national debt meets the national how-we-pay-for-healthcare crisis; I never thought I would call for gutting “gifted” programs; my President Emperor Right or Wrong; and stay cool.

Happy Towel Day

Happy Towel Day.

In Closing: “Words of Power” go far beyond framing; Oh, so that’s why they’re anti-tax and anti-government-anything; innocence and stupidity; obligatory gulf oil leak items; Spock’s Obama’s Brain; the text message can wait until you are not moving; it’s hard to stay enthusiastic about a reform for a broken system that will take 4 years to get here; Nevada, this is your Governor; where does the time go?; the Detriments of Eating Low Carb; the truth about hospital emergency room traffic; and Abandoned in Antarctica.

A Fifth of Amendment

It’s been a long time since I talked about the Bill of Rights. Check out the previous installments: One, Two, Three, *crunch!* Four. Remember, all ten were written by guys who overthrew the legal government. Not that you’ll be learning that in Texas anymore.

The Fifth Amendment is probably the one people know the best, even if they aren’t aware of it. Thanks to almost a half century of police dramas like Dragnet and Law and Order, most people know this:

You have the right to remain silent. Anything you do say can and will be used against you in a court of law.

The actual words in the Fifth Amendment are a little more complicated:

No person shall be held to answer for a capital, or otherwise infamous crime, unless on a presentment or indictment of a Grand Jury, except in cases arising in the land or naval forces, or in the Militia, when in actual service in time of War or public danger; nor shall any person be subject for the same offense to be twice put in jeopardy of life or limb; nor shall be compelled in any criminal case to be a witness against himself, nor be deprived of life, liberty, or property, without due process of law; nor shall private property be taken for public use, without just compensation.

So let’s pick this apart just a little. First: unless it’s a military matter, you’ve got to have a Grand Jury indictment before you storm off towards a trial. Second: you can’t prosecute somebody for the same thing twice. Third: and this is where Mr. Miranda comes into play — you can’t be made to testify against yourself (hence, “I’m taking the 5th“) or make statements against yourself that will be used as evidence (if you are dumb enough to blather on about how you did it while you are in police custody, it “can and will be used against you”), and moreover they can’t just arrest you or confiscate your stuff just because they feel like it. Finally, they can’t take your stuff “for public use” without paying you.

Asset forfeiture would appear to be pretty clearly not legal under the Fifth Amendment, but some judges said it was just dandy. Somehow “Activist judges” who “legislate from the bench” are only a problem when they do things ultra-conservatives don’t like.

So some very “conservative” people don’t think we should tell certain criminals that they have the right to shut up. That’s because — today at least — the “certain criminals” are terrorists, who under their definition are brown. After all, their logic goes, you never know when they might know about a threat that must be neutralized right away. Lives are at stake every moment they don’t talk! Therefore it is critically important to go all Jack Bauer on their asses immediately if not sooner.*

One must wonder if they would say the same thing if we were talking about nice white Christian terrorists like Tim McVeigh or William Krar.

As I see it, there are two huge problems with changing Miranda. First is the old “slippery slope.” Today it’s terrorists. Tomorrow it’s suspected serial killers. The next day it’s kidnappers or rapists. Pretty soon nobody’s got any rights once they’ve been accused of a felony. And don’t kid yourself, women and minorities would be less likely to be informed that maybe they should shut up and ask for a lawyer. It’s obvious that white boys never break the law, they only have “youthful indiscretions.”

The second problem is that the system we have actually works! The last two terrorists we caught were read their rights, and they were willing to talk to law enforcement anyway! A lot of people choose to give up their right to remain silent for reasons that are their own. There is no need to torture anybody, nor even a need to just shut up about their rights. Since one of the recent terrorists was a naturalized citizen, he might know his Constitutional rights better than some cops.

Seriously. The Fifth Amendment was good enough for guys like Alexander Hamilton, George Washington, Ben Franklin, James Madison, and a host of others. It’s good enough for me.

In Closing: Take Your Kids to the Park and Leave Them Day is Saturday; Volcanic Ash Maps; better get used to warmer temperatures (no more laughing about snowstorms “proving” global climate change is a hoax); reaping the whirlwind of Reaganomics; racial wealth gap quadrupled — yes quadrupled — since the 80s (don’t suppose that has anything to do with Reagan?); how important are small businesses to the economy?; Duhpartment of Research finds that reading skills in early grades are critical to academic success later; I could have told them that creative people tend to be a little crazy; oil in the water (and nothing BP does to try and cover up how much there is will change reality); and crazy architecture.

* Did you know that in 2007, an American General personally flew out to Hollywood to ask the producers of 24 to cut the torture and other illegal crap out?

Why Your Medical Bills Go Up Next Year

And, Why Your Doctor Won’t Get a Penny of That Money

Maybe some of you recall my posting a picture taken from the 3rd floor of the Clark County Courthouse. Perhaps you wondered why I was there. I had been called to jury duty. Now that the trial that I was in the jury pool for is over — except for appeals, of course — I think I can safely comment on the case.

There were 150 of us asked to fill out a 30+ page juror questionnaire, and when I saw it I immediately thought “Oh no, they do not want me on that jury!” When I got out and called my partner to let him know I was on the way home, he asked me about what had happened. I said “I can’t comment on the case, but I think I can safely say there’s a doctor who’s a witness, it involves propofol, and it doesn’t involve Michael Jackson.” He replied “Oh no, they do not want you on that jury!”

Sure enough I was called by the court and asked not to return.

Here are the facts of the story. Dipak Desai was a doctor who came to Vegas and built an “empire” on quickie colonoscopies. It all came tumbling down a couple of years ago when a cluster of Hepatitis cases was traced to his clinic. While hepatitis is a known possible complication of colonoscopy, this was an unusual number of cases. Six cases rapidly expanded to 114 cases (and counting), with tens of thousands of people needlessly exposed to disease while getting a screening exam in the name of staying healthy. Desai himself eventually declared bankruptcy, but not before a stroke, trying to flee the country (thwarted by the local Mercedes dealership!), and much handwringing over Nevada’s malpractice insurance “reform” and the fact that he only carried the $1,000,000 per incident and $3,000,000 per year coverage required by law. A small number of cases have been settled, but there are many more cases and not enough money to go around.

Now make no mistake: there are a lot of people who are very sick because of the actions of Dr. Desai, his colleagues, and his staff. But sometimes it is just not possible to make things right. So since you can’t get blood form a turnip, some very sick people and their lawyers started looking for the deepest available pockets.

The media has made much of the fact that the clinics used “single use vials” of medication more than once and may have re-used some syringes. If that’s how the Hepatitis was transmitted, then USA Today and the CDC are right that it’s the tip of the iceberg. Except that’s not how it happened; if it were, there would be clusters of blood-borne disease around every surgical center, vaccine clinic, and med-spa in the nation.

Enter the sad but true case of Henry Chanin, who at the time he was infected worked for the Mayor’s wife at the posh Meadows School. It’s the kind of place with multi-million dollar facilities, a waiting list as long as your arm, and a near 100% college admissions rate. His lawyers alleged that it was the fault of the drug companies that made the medication in the single use vials that was to blame for his hepatitis. And, since the drug companies were specifically not allowed to blame the doctors for “misusing” the product, the jury I narrowly missed being on found in Mr. Chanin’s favor and awarded him and his wife over $5,000,000.

Here’s the problem; it wasn’t the meds. My partner put it very well back in 2008 when this was a new story:

Consider that if a clinic’s management is so cheap and careless as to cut corners over a $.05 syringe which is essentially the accusation leveled at this clinic, how much risk are they willing to put patients at? Endoscopes require cleaning and disinfection. That takes time. In a busy center, there have to be enough scopes to do the procedures and still have the downtime for the devices to allow them to be properly cleaned and disinfected.

The scopes cost thousands of dollars which is a very likely place to cut corners if it’s all about the bottom line and patient care never really enters the equation. Couple that with a high volume clinic and violations of the cleaning guidelines for the endoscopes are certain to happen.

It was very likely the endoscope, not contaminated propofol.

Using “single use vials” multiple times is almost standard for many medications, and research has been done to clear a number of drugs for use in this manner. You could clog journals with thousands of studies like this and that. Re-using the syringe is not a good idea, but the drug companies didn’t tell clinic staff to do that. I think the one biggest thing in my questionnaire that got me off that jury was the fact that Allergan send representatives to my office to teach me how to sell Botox from vials that should theoretically have been single use. Well guess what, for what those vials cost, nobody is only using them only once. And strangely enough, not a single case of hepatitis or AIDS has ever been traced to a Botox party. Disclaimer: my partner used to work for the guy who filed this suit, who also happens to be quoted extensively in the link on Dipak Desai above. Yeah, sometimes it feels like the medical community in Vegas traces back to a very small number of people who all know each other.

While nobody can give Mr. Chanin his health back, blaming a drug company for a clinic that didn’t follow the instructions and according to many sources didn’t even properly clean the apparatus they put up people’s butts will only drive up everybody’s costs: drugmaker’s costs, malpractice insurance costs, liability insurance costs, doctor’s costs for drugs and insurance both. Your insurance company? They will raise your premiums. And your doctor? His costs will go up but he won’t make an extra dime.

In Closing: Natazia?; the tax revenue case for marijuana legalization; no more French Foreign Legion for American Boys if Senator LIEberman gets his blatantly unconstitutional citizenship forfeiture bill passed but you’re still clear to join Israel’s army; corporate America passing the expensive part of health insurance reform on to you (and I said something similar when??); educators can’t count; letting states protect citizens from banks must be part of financial reform along with “too big to fail = too big to exist“; on Social Security; deregulation disaster; all just a little bit of history repeating; 30 photos that that changed the world; employment is increasing, just not nearly enough; on terrorist attacks; Yoko Ono; and Happy I Suck Less Than Yesterday Day.

Paging Dr. Dynasaur!

For the benefit of younger readers: Back in the old days before cell phones, there were pagers. And before that, there was the overhead paging system. Not that many years ago, it was normal to hear things like “Dr. Jones to 4B nursing station, please” on the hospital public address system.

Ok. It’s law now. It looks like the health insurance reform bill that got passed and signed into law was neither as bad as it could be nor as good as it should be. There’s some benefits, and some stuff that’s absolutely odious. However, it is only a first step. At least two crucial things are missing.

First and probably most important is a non-profit health insurance option. The law, as it stands, requires us to all buy health insurance by 2014, which forces us to do business with the very same companies that got us into this mess. The best answer to this problem by far is Alan Grayson’s Medicare-For-Anybody bill, which has 80 co-sponsors so far (click here to sign the petition to demand a vote!). Howard Dean has even endorsed Rep. Grayson at least partly as a result. You remember Howard? The doctor who became a Governor and managed to get health insurance for almost every kid in his state despite the fact that they don’t vote? This bill is revenue neutral for the Government — it won’t raise the deficit a cent because it says the premiums will be set at what it costs to provide the insurance. Bringing this thing to a vote puts the opposition in a tough spot: if Medicare is good enough for Grandma, why isn’t it good enough for me?

The other thing it needs is a program I like to call MediKids. Regular readers have heard me beat this drum before, but we have a system where most health insurance is purchased by employers. And most kids don’t have employers. The existence of an automatic enrollment health insurance program for kids under 18 (and in my ideal dream world, any full time student under 25) would help almost every family in America. It would of course have a disproportionate effect on low income families that are likely to have inadequate insurance for themselves and their kids, if they have insurance at all. Moreover, by keeping our kids healthy, it would improve schools and the quality of our future workforce. Even if there were a modest premium associated with the program like there is for Vermont’s Dr. Dynasaur program, it would be worthwhile.

In Closing: Why aren’t you in school, you lazy bastards?; stupid banker tricks; three times more Chapter 7 than Chapter 13 bankruptcies; air worship is like air guitar for shrine visits (maybe the Catholics could try this? Then it doesn’t matter if the priest is a pedophile); as fast as financial reform made it through committee, I must wonder what political favors are embedded in it; and let Mr. Otis get you high. I mean, like to the 20th floor.

Twist the Facts

Yesterday morning, I wrote a post over at Age Against the Machine on British research showing that oral contraceptives reduce women’s risk of death from cancer and cardiovascular disease. Those happen to be the top two causes of death for American women, so it’s a big deal. And we aren’t talking about some teeny study, but over 46,000 women in a study that went on for 39 years. I think this is good news for the vast majority of women!

Yet I could not help but think that this news might not be welcomed by all. After all, there is a segment of our society that might think this encourages promiscuity. When I ran this past my partner, he thought that was just nuts.

But unfortunately, we live in a society where parents withhold vaccines that could someday save a woman’s life not because of safety concerns with the vaccine itself, but because they think she might think it’s ok to have sex (because good girls don’t like sex, good girls are never sexually assaulted, and good girls certainly never have cheating husbands). We live in a society where pharmacists who should know better are arbitrarily deciding not to dispense oral contraceptives because of “moral objections” and/or the mistaken belief that they can cause “abortion” of an embryo that has not implanted (never mind the other medical indications for oral contraceptives, and never mind that these pills prevent pregnancy rather than end it; arguably they prevent abortions by preventing unwanted pregnancy). We live in a society where the so-called-pro-life crowd thinks abortion causes breast cancer. We live in a society where some people value the lives of embryos more than the lives of full-grown adult women and their families.

So yes, I expect this study to be either ignored, mis-quoted, or mis-used by the Religious Right. They will focus on the small but unexplained increased risk of death by accident or violence — See? The Pill increases your risk of [violent] death! —  if they acknowledge the research at all.

Mere minutes after posting, I found this article at the Christian Science Monitor — hardly a “liberal media” source — with the headline “High divorce rates and teen pregnancy are worse in conservative states than liberal states.” It turns out that educated women and access to contraceptives lead to greater family stability and fewer unwed or teen mothers than “that old time religion.” Yet the Religious Right  has hamstrung both trends by getting the Feds to go along with “abstinence only” sex ed, which not only doesn’t work, fails to teach about contraceptives and disease control, and outright lies to children, but attempt to reinforce very outdated gender roles.

And then I read about how the Texas State Board of Education has decided to re-write history, decreeing what may and may not appear in textbooks. Sure, the Civil War was about “states rights” — specifically the right of states to say it’s ok to own other human beings! Sadly, Texas is a large enough textbook market that students around the country may be subjected to this ultra-conservative, highly Protestant, reinterpretation of reality.

You can say what you like about reality, but you can’t change it.

In Closing: 30! 30 bank failures this year, ah ha ha ha! (reference); fattiest fast foods; mortgage insurance providers say “sorry, we won’t cover this fraudulent claim“; obligatory health insurance reform items (notice I don’t call it health care reform, or worse yet HCR which always makes me think HRC instead) includes Go Grayson Go! Put them on the spot of either saying yes to a real public option, or going on the record as being against Medicare!; oh sure, let’s make it more complicated; what recovery?; Oh No! Obama’s Liberal base is “disengaged!” Could that be because they’ve kicked it in the butt at every opportunity?; most Americans think Wall Street needs better (i.e., more) regulation; for that matter, most Americans would like to see the Government make some progress on anything; don’t take the battery for granted; median wealth, $5; and Blog Against Theocracy weekend is coming.

“Tell Me a Story, Gramma!”*

I get so tired of being angry at politicians, banks, and the clueless. I wanted to bring you a happy story today. How about this one, about the First Grandmother — or FGOTUS — settling in to White House living and helping raise 2 adorable (if perhaps chubby*) grandchildren while their parents do important work. Sasha and Malia are very lucky indeed that their Grandmother is around to help out — and tell old family stories that might otherwise have been forgotten.

The Obamas have yet another example of an “intergenerational” or “multigenerational” household, where 3 or even more generations of one family live under one roof. It’s not a new thing; in fact it used to sort of be the norm. Newlyweds often lived with Mom and Dad until they got together the money to put a downpayment on a house. And if Gramma or Aunt Frannie happened to be around to provide childe care, or teach Mom how to raise kids and run a household? A bonus. Please note that Grampa and Uncle Ted were rarely available for regular child care, but could usually be counted on for “fun” activities like camping. It wasn’t uncommon for Momma to move in with the kids when Daddy passed away, particularly in Asian cultures.

But there is something new going on. Unlike the Obamas’ situation, many modern intergenerational households are not entirely by choice. Multiple generations of a family are often consolidating to one address out of necessity. Someone has gotten evicted or foreclosed upon. Somebody has so much student loan debt they can’t qualify for even a crappy apartment. Somebody is seriously ill and needs the stability of not worrying about the rent — having a potential caregiver is a welcome side effect. Somebody is between jobs, with little hope of getting a full time one anytime soon.

It will be very interesting to see what data the Census is able to pull together about these families as they gather the official 2010 data. This is what they found back in 1998. *

As happy as I am that the First Family’s intergenerational lifestyle is working out, it just doesn’t reflect reality for most of us.

* Strictly speaking I am old enough to be a grandmother, but boy am I glad I’m not!

** Excuse me, I actually think BMI means something, but it does not directly apply to children! Children have different proportions than adults.

“I’m late. No, you don’t understand, I’m LATE.”

Do you trust me?

Seriously. Do you trust me?

Do you trust me to drive a car? Even if I am on the same road as you?

Do you trust me to balance my own checkbook?

Do you trust me to select and cook nutritious meals?

I have a CPR certification; do you trust me to do CPR on someone you care about if it is necessary?

Do you trust that I can, with the help of a physician and perhaps the internet, make decisions about what I must do or not do to be healthy?

Do you trust me to raise children?

Do you really?

If you trust me to do all these things, how about other women? Do you trust the lady in the next car to not crash into you? Do you trust the woman doctor to save your life in an emergency? Do you trust the woman at the grocery store with 3 kids in tow to raise them? What about the high school girl down the block, do you suppose she could put together a balanced meal?

So then, why are there people who won’t trust a woman to make the most important decision, a decision which will directly influence her health for 9 months, and will directly influence her life possibly forever? How can you trust someone to raise children, yet not trust her to make the decision whether to have them in the first place?

Blog for Choice day was yesterday. I am late with this post. Sorry. Here’s some other great Blog for Choice posts for you to enjoy.