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Saturday, March 8, 2014

Enough Federal Laws in the Country

© 2014 Rick Adamson
By Rick Adamson 3.8.14

Does anybody believe that we do not have enough federal laws in the Country?

The Congress and regulators seem to exist only to make more and more new laws while refusing to enforce our existing ones.  I think we have plenty already although, from time to time, a new one might be needed and old ones might need to be changed or eliminated (which almost never happens).

For this reason our founders set up the Constitution the way they did.  It was supposed to be hard for FedGov to pass laws.  After all, the States set up FedGov for specific purposes and they are the BOSS of FedGov.  The purposes of FedGov were supposed to be for things like defense and foreign policy.  It was never meant to interfere with the daily lives of individual Citizens. The Founders did not intend for FedGov to grow into the monstrosity that it has become.

The States need to take back the power that they have allowed FedGov to usurp over the years.  The process is called nullification and it happens when a State legislature (or group of States) passes a law that nullifies a federal statue or regulation.  It has been done before and it needs to occur more often.  Just look are the debate over Marijuana.  Some states have made it legal even though federal law considers it illegal.  Such things are State issues and FedGov needs to step aside. The same is true for the Gay marriage issues and most others.

Another way, according the Constitution, is to have a Convention of the States. Georgia has just called for one.  read more…here  The House of Representatives of Alabama has just called for one. read more…here 

This is extremely important because it is the way, according to Thomas Jefferson, to determine the constitutionality of laws and to control FedGov. After all, 13 States created FedGov and gave it very limited power. FedGov is owned by and is responsible to the States. However, over the last 70 years or so FedGov has usurped much of the power of the States and needs to be brought under control.

Think about the minimum wage issue.  Since California in not like New York or Texas how can FedGov set a wage that is fair all across the 50 States?  They can not.  Let the States do as they so choose and get FedGov out of the picture.

After all we are not one State we are 50 States united for specific purposes and the cookie cutter (one size fits all) approach taken by FedGov just doesn’t work well.




Sunday, February 9, 2014

FEELING SORRY FOR OBAMA

© 2014 Rick Adamson
By Rick Adamson 2.9.14

I have begun to feel a little sorry for Barack because history, I think, will consider his presidency to be one on the worst. It is partially his own doing but his trusted supporters bear a significant portion of the blame. They have blind sided him over and over again.

He is so removed from the legislative process that he does not know what is going on.  He would rather fly around the Country campaigning (for who knows what, I mean he has already been elected) than to set down with members of Congress and work out a deal.

Obamacare is a good example, (which really should be called Pelosi care because she and her minions along with the big insurance companies wrote the law) he just delegated the task to Pelosi and Reed and happily signed into law what ever came back. Pelosi herself said “But we have to pass the bill so you can find out what is in it, away from the fog of the controversy.” This indicates the she delegated it further down the line and did not know what was in it.

Obamacare has become his signature legislation and I predict that it will forever taint his presidency.

I believe that Obama and the Democrats (Progressives) found themselves in a unique position in 2009 in that they controlled the Presidency, the House and the Senate for the first time in a long time.  They had a long list of wishes that they had not been able to get into law so they took the opportunity to slam dunk as much as they could while they had the chance.

The problem was at the same time we had a recession.  And although some of their ideas might have been good it was not the right time. But the timing and the state of the economy did not matter to them they just wanted to pass as many laws and regulations as fast as they could while they could.

This just illustrates how unprepared and incompetent the leaders were to deal with the problems of ordinary people.  Take the war on coal as an example.  Sure it would be nice to move toward natural gas or other cleaner energy sources but in the middle of a recession is not the time to press such as issue when it puts people out of work.  But did they care? No.

What about the Keystone pipeline? It has been on hold for five years while Obama studied the issue.  Heck, we need the jobs, Mr. President.  You see, the tree huggers were against it because they believed it might result in more pollution.  I recently heard a California Congresswoman say that she was against it.  My advice to her would be to stay in la la land and that the pipeline is of no concern to her or her State.  Moreover, the pipeline is for the purpose of moving Canadian oil to the refineries in the Gulf States.  Does anyone believe that Canada will halt the harvest to their oil simply because there is no pipe to take to the U.S.?  That is crazy.  The oil will be harvested no matter what.  The only question is whether we want to participate in its refinement.

The list goes on and on. 

In 2012, the Country missed a golden opportunity to have elected a career problem solver, a turnaround expert and manager when we most needed it. We should be ashamed that we now elect Presidents based on popularity rather than substance, ability and experience.

"Don't expect anything good for America until this guy is gone" Alan Simpson, retired Senator

“Simply put, Barack Obama is a petty, petty man, concerned only with himself, his political agenda, and his "legacy" as he sees it.” Ken



Sunday, December 29, 2013

HEALTHCARE IS A PERSONAL THING

© 2013 Rick Adamson
By Rick Adamson 12.28.13

Healthcare is a personal thing.  It is primarily an individual’s responsibility to determine how it should be paid for.  In addition, it is appropriate for society and government to render assistance if it so chooses.

What it is not is an employer’s responsibility, although employer’s may choose to provide assistance if they wish.

Healthcare is not only about insurance. Insurance is a tool that people, society and governments may choose to use to help manage the cost of healthcare.  Until now this tool has worked reasonably well in that individuals and businesses could purchase as much or as little of it that they wished.  Insurance companies are in the business of providing indemnification based on risks. Purchasers tell the insurers what they what and they are given a price for that product which is based on the insurer’s assessment of the risk involved.  The government has no business setting down minimum (“mandated”) coverage requirements.  The market will take care of that quite well. In addition, the government’s involvement upsets the business model of insurer’s such that they became pawns of the government because they cannot price their products based on their assessment of risk.

Given my beliefs about healthcare, it is totally inappropriate for the government to require (“mandate”) any person or any company to purchase an insurance policy relating to healthcare.  If the government or society as a whole thinks someone should have an insurance policy they should provide it and not put it on the backs of employers. Moreover, the mandate only applies to certain employer's, those with 50 or more employees, which leave out millions of employees.  They are essentially own their own.

On top of everything else they have put the IRS in charge of enforcing the law.  That will insure that only law abiding taxpayers will be subject to enforcement.  Those who do not file will be out of the reach on the IRS and will, therefore, not be subject to the law.  

Until now there has never been a government requirement for an employer to provide an insurance policy for healthcare just as there is no legal requirement to provide employees with vacation days, sick days or paid holidays.  The market determines what benefits an employer provides and it is pretty efficient in doing so.  Before you know it the government will be mandating other benefits that have never before been their concern.

No one seems to like insurance companies and they think that premiums are too high.  With respect to health insurance, high premiums result because purchasers are not allowed to buy policies across State lines, frivolous malpractice lawsuits and the multitude of duplicate tests that physician’s order just to cover their behinds.  And that is not to mention the fraud and rampant manipulation (gaming) of the system that health care providers engage in.

In addition, if individuals had to pay for their healthcare services and file a claim with their insurance company in order to be reimbursed prices would go down. This is simply because the insured would know the cost of the service and would balk if the price seemed out of line. So why not increase the pay of every employee and let them purchase the insurance that suits their need in an open (50 state) market. The way it is now the insureds do not know (or care) what the cost of a service is because the health care provider bills the insurance company directly. So there is no oversight by the insured and the provider's tend to over bill. In order to prove my point, the next time you visit your doctor ask what the price will be using your insurance then ask for a cash price-the latter will be lower every time illustrating that the provider is going to over bill the insurance company.

If we could address the above issues the cost for health insurance would go down and be more reasonable.  You see, we purchase life insurance, auto insurance and home owner’s insurance on a national basis (across State lines) and we do not see continuing year after year double digit increases in their cost.

Obamacare has approached the issue of reducing the cost of healthcare (and at the same time providing coverage for everyone) in an entirely inappropriate manner.  It does not address the costs that provider’s incur in providing services (including malpractice insurance required to protect against lawsuits) competition across State lines, fraud or the fact that the providers bill the insurance companies rather than their patients.

Further, the people and businesses in America are independent minded and they do not like mandates from the Federal government.  The policy will not succeed in it current form because the people will not be mandated to do what is necessary for it to be successful.



Saturday, December 28, 2013

FEDERAL DEBT

© 2013 Rick Adamson
By Rick Adamson 12.24.13

See this new exhibit showing the federal debt.  Link here  Note specifically the unfunded liabilities.  This represents the dollar amount of promises made to people for payments to be made it the future. As a result of accounting gimmicks, unfunded liabilities are not included in the first number ‘United States National Debt” (which has increased by $4.939 trillion since Obama took office) but it is real and someone is going to have to pay for it-your children or grand children or theirs-otherwise the County will go bankrupt. 

Well, the fact is, under normal accounting procedures (those used by companies in the private sector) the Country is insolvent (bankrupt).


Source: http://www.commonsenceconservative.net

AMERICA'S MINIMUM WAGE DEBATE

© 2013 Rick Adamson
By Rick Adamson 12.28.13

I do not object to increasing the minimum wage but I think is best handled at the State and local level.  The Feds should butt out. California in not like New York or Texas so how can FedGov set a wage that is fair all across the 50 States? They can not. Let the States do as they so choose and get FedGov out of the picture. In addition, there is some evidence that suggests raising the minimum wage actually eliminates jobs. I mean is there no job in America that is worth less than $10.10 per hour. If there is, some jobs will be eliminated if the minimum wage is increased to that level.

What about young people looking for summer jobs? What about the entry level jobs that allow people get work while they progress to higher paying positions?  After all, the minimum wage was not supposed to be a pay rate for an entire career.  It seems that the proponents are looking at it as if it was a minimum rate for a career, in which case, maybe there should two rates, one for young people/entry level and another for a job held for a couple of years.

I have a very simple theory- if a product or service cannot be made/rendered profitably given the prevailing wages (minimum wage, union wage or economic value) then that product or service simply will not be made/rendered in this country.  It will be outsourced or simply not be made/rendered at all.

It is as simple as that. 

I would be happier if people would take responsibility and acquire a skill or education so that they can command $50 per hour or more.  It is a personal responsibility/decision and we ought to be teaching this concept to our children. 

I believe that anyone in this country who desires to attain such a skill or education can do so and that there are plenty of government programs that will render aid to that individual.  I know it is harder for us older folks but our children and future generations must be taught that it is their responsibility and that the rest of us are not going to subsidize their poor decisions.  And that their poor decisions, i.e., not graduating from high school and acquiring a skill or higher education will result in long hours and low pay.

We live in a high tech global world.  It is not the same as it was for many of us when we were young or for our parents.  We do not have the same type of jobs that existed many years ago. Young people are going to have to get educated in order to have a job in the U.S. (one of the few exceptions is WalMart which is the largest employer in the country). See where the jobs are coming from?

Tuesday, December 24, 2013

OBAMACARE II

© 2013 Rick Adamson
By Rick Adamson 12.24.13

Obamacare specifically states that any health insurance policy issued (effective) after December 31, 2013 must contain all of the mandated essential benefits (see list below) required by Obamacare.  The one exception is the so called “grandfathered plans.”  These are plans issued prior to March 24, 2010, which have not changed since issuance, with minor exceptions.

Since health insurance policies routinely change provisions, some times annually, in order to manage costs, e.g., changing deductibles, out of pocket costs and prescription coverage, among other things, very few, if any, policies will be grandfathered.

Take my situation as an example, I have a small group plan and it renews April 1, each year.  So, my plan was in effect on March 23, 2010 and was subject to being grandfathered.  My plan renewed on April 1, 2010, April 1, 2011, April 1, 2012 and April 1, 2013 so there have been four opportunities for the plan to be changed (in the slightest) and bust out of the grandfather provisions.

I received a letter from our provider dated November 12, 2013, saying that our plan was a non-grandfathered plan and would no longer be available. It further stated that we would be offered a new plan that contained all of the provisions of Obamacare. No quotation was provided but I expect it any day.

So, somewhere along the line our plan was changed on one or more of the renewal dates by us or the insurance company so that our plan was considered a non-grandfathered plan.  You can see that given the many opportunities to bust the grandfather provisions during the last four years during which time we were not aware that the regulations that came out severely restricted the changes that could be made to a plan.

This fact has become abundantly clear to the individual and small business markets already.  The large group market received an unconstitutional waver/delay by President Obama.  Those plans will not feel the effect of Obamacare until 2015 which is conveniently AFTER the next major election cycle in November 2014.  But, believe me, they will be adversely affected just as my group plan was.

You see that almost everybody (150,000,000 people or more) who currently have health insurance will be affected by Obamacare when it is fully implemented.  It would have been so much more cost effective and less disruptive to the public if we had just said that the 30,000,000 or so uninsured would be provided free or low cost insurance by the Feds leaving the vast majority of folks alone.

But no, leave it the Feds to screw things up.  So far about 6 million people have lost the coverage they once had (including my group) while about 1.2 million people have signed up for Obamacare.  Of the 1.2 million approximately 960,000 have opted for the Medicare route.  You see, the requirements to qualify for Medicare were loosened by Obamacare so that many more people qualify for free coverage (more welfare).  Of the other 240,000, the majority qualify for "subsidies" which are a reduction of income taxes or an increase in refunds--more welfare.  If you pay income taxes you are paying for the insurance for these people.

In essence, what we will end up with is another massive entitlement program intertwined with a massive bureaucratic government controlled program that affects 1/6 of the economy and hundreds of millions of people when it could have been limited to only the uninsured.

The essential health benefits include at least the following items and services as well as unlimited dollar amount of life time coverage and coverage of preexisting conditions:
·             Ambulatory patient services (outpatient care you get without being admitted to a hospital)
·             Emergency services
·             Hospitalization (such as surgery)
·             Maternity and newborn care (care before and after your baby is born)
·             Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy)
·             Prescription drugs
·             Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills)
·             Laboratory services
·             Preventive and wellness services and chronic disease management
·             Pediatric services

You will pay for these essential benefits no matter you age or gender. In, other words, whether you need them or not.

Tuesday, November 19, 2013

Book review of "Why John Roberts Was Wrong About Healthcare..."

Book Review by Rick Adamson
© 2013 Rick Adamson
By Rick Adamson 11.18.13

Why John Roberts Was Wrong About Healthcare: A conservative critique of the Supreme Court’s Obamacare Ruling by Senator Mike Lee, 2013

Senator Lee is from the State of Utah.  He is a lawyer and a Constitutional scholar.

The Supreme Court rendered its ruling on the Patient Protection and Affordable Care Act of 2010 (ACA), known to many as Obamacare on Thursday, June 28, 2012.  When I heard the news I was very disappointed because I thought the Court would find the law to be unconstitutional.  As I heard more about it I was happy that the Court found that under the Commerce Clause ACA would be unconstitutional thus limiting the Federal Government’s ability to regulate certain activity.  In this case, inactivity, the government cannot regulate inactivity (failure to purchase health insurance) by the authority of the commerce clause.  However, the Court found it to be constitutional under other provisions of the Constitution.  I was somewhat dumbfounded.

Then I stumbled across this book of less than 100 pages that explained very concisely what the Court did.  I was astonished.

Senator Lee explains in his introduction to the book  “During Chief Justice Roberts’s first seven terms on the Supreme Court of the United States, he distinguished himself as a fair-minded jurist and a true constitutional scholar— a man seemingly committed to the rule of law and to core constitutional principles. That hard-earned distinction was turned on its head when, on June 28, 2012, the Chief Justice— writing for a five-to-four majority in National Federation of Independent Businesses v. Sebelius, 567 U.S. __ , 132 S. Ct. 2566 (2012) (“ NFIB”)— essentially rewrote key provisions of the Affordable Care Act in order to uphold the law against a constitutional challenge.”

1.  Senator Lee explains that the Court unanimously concluded (to the surprise of almost no one) that those who fail to comply with the ACA’s individual mandate (the fine people have to pay if they do not purchase health insurance) will face a penalty, and not a tax, such that a challenge to the mandate is not barred by the Anti-Injunction Act. This simply means that the Court cannot rule on a tax that is not in effect.  If the mandate (effective in 2014) was a tax, the Court would have had no authority to rule on it until 2014 when it would become effective.  So, the Court chose to view the mandate as a penalty which was not subject to the Anti-Injunction Act.

2.  Then Senator Lee then explains that the Court noted in enacting the ACA, Congress relied on the Constitution’s Commerce Clause as the source of its authority to require individuals to purchase health insurance and penalize those who fail to comply. The Court concluded that Congress has no authority to impose such a mandate under the Commerce Clause because the Commerce Clause does not authorize the regulation of inactivity, in this case, the failure to commit the act of purchasing health insurance.

A separate majority, nonetheless, sustained the ACA’s individual mandate as a valid exercise of Congress’s authority to impose taxes.  This majority then concluded that because Congress could have enforced the mandate by means of a tax, the Court would treat the penalty attached to the mandate as if it were a tax.

3.  Senator Lee goes on to explain that in a third issue considered by the Court, ACA’s Medicaid-expansion provisions, they concluded that the ACA’s Medicaid-expansion provisions, as written, would unconstitutionally coerce the states into expanding their Medicaid programs and was therefore unconstitutional.

However, rather than invalidating the Medicaid-expansion provisions as one would expect in light of the Court’s coercion ruling, the majority effectively rewrote them by categorically ordering the government not to exercise its right to “withdraw [from states] existing Medicaid funds for failure” to expand their Medicaid programs.

Senator Lee concludes that the Court basically rewrote (completely circumventing the legislative process) the law as follows:

In the first instance, they concluded that the mandate was a penalty and not a tax thereby giving them the authority to hear the case, in the second instance concluding the mandate was a tax and, therefore, constitutional pursuant to the power to tax and lastly concluding that the Medicaid-expansion provisions were unconstitutional but were to be ignored and not enforced by the Government.

The law stands as written (has not been changed) leaving within it numerous references to taxes and penalties as they were intended by Congress.  The mandate provisions do not contain references to taxes but rather to penalties as intended by Congress.  In areas meant to be taxed, such as the tax on medical devices and the so called “Cadillac plans” the law speaks of taxes.  Further, ACA still contains the unconstitutional Medicaid-expansion provisions which the Court instructed the Government not to enforce.

Senator Lee  states “By arrogating to itself the power to legislate— fundamentally altering a law passed by Congress, and in effect passing a new law— the Court overlooked the distinct and narrow role of the judiciary.”

So we have a law, which, because the Court altered it, is a law that was not passed by Congress.

Robert flip flopped from one side to the other on each of the above issues before finally siding with the liberals.  What motivated the switch? Most theories seem to focus (in one way or another) on the possibility that Roberts was motivated by a desire to protect the Supreme Court’s credibility as an institution. According to this theory, the Chief Justice might have been influenced by public statements. Or maybe to save not only the credibility of the Court, but also his own good name.

By his ruling, Roberts added hundreds of billions of dollars to the federal deficit, by way of his Medicaid ruling, forever tarnishing his legacy as a Justice.

This is a very informative book that I highly recommend.  You can get the digital version at Amazon for under $4.00.

Other reviews can be seen at: