For greater privacy and to avoid GPS tracking by third parties, buy Two Cellphones. Turn Smartphone Off Unless actually Crunching, Or at Least Turn GPS Off. Buy a Flip Phone, Motorola Preferred, for voice and texting, with default E911 GPS on only to use for voice and texting.
The current healthcare bill that just passed before Congress is too complicated and too costly to sell to the American public.
President Obama has the right idea when it comes to providing access to health care for all. With over forty million uninsured Americans, clearly something must be done. A healthy America is not only a noble goal, it makes us more competitive in the global economic landscape. However there is too much money being spent too soon in the current proposal before Congress to fully digest where all that money is going. The two main problems with healthcare reform as it is being presently proposed are waste and the forceful way that it is being jammed through Congress by making health care insurance mandatory.
The current system being proposed makes it mandatory for all Americans to buy health insurance, even those that don't want or need it. Although the argument that people such as healthy twenty somethings should pay up for the overall good of the less healthly among us, this is inherently wasteful to the individual that does not need healthcare. There is an entire generation of people coming through college not on scholarship, struggling to pay their way through college, and saddled with student loan debt that is unconscionable and unimaginable, and is creating a class of workers that borders on indentured servitude. To require a new college graduate to assume the burden of even more debt in the form of mandatory healthcare insurance on top of a mountain of student loans is obscene.
A much better solution is to give the individual an annual stipend with the choice of purchasing healthcare insurance, or not buying healthcare insurance at all. Give the individual a certain amount of money each year, based on income, to be used at his or her discretion for any healthcare issue that may arise. All the money that is being proposed now in a mandatory health care insurance plan would be far better used in the form of health care subsidies that may be used soley for healthcare. If the individual does not need any healthcare for any particular year, the money is saved and not issued by the government. This is far more efficient than forcing everyone to buy healthcare insurance whether they need it or not. Some of the provisions before Congress now like dropping pre-exisisting conditions as a reason to deny healthcare coverage make sense, but forcing insurance companies to comply is not the free market way that will work. A provision in the healthcare bill can be made that only allows only those healthcare insurance companies that drop pre-existing conditions to get the subsidies granted to the patients.
In a system whereby citizens receive a subsidy that is appropriate to income, the free market would adjust and there would be no shortage of health care as is the fear with the current proposals on the table. More young well educated people in college would choose medicine over such disciplines as law and other high professions because of the increased demand in health care that would come in universal health care coverage by way of the subsidies. Medical schools would expand their admissions and new medical schools would spring up across the land to accomodate demand for more Americans finally able to realize affordable health care.New health care models such as H.M.O.s and P.P.O's would spring up across the nation and new companies would be started by entrepreneurial doctors, spurring economic growth. The overall economic boost to the economy would be substantial.
Unlike current proposals where health care would be mandatory and a tax or fine would be levied for failing to utilize the health care system, people sould have the option of using their health care subsidy dollars or not, but would have to use their health care subsidy dollars for health care.
The free market works. It has been tested time and time again and always rings true. What the health care system needs is a boost, based on individual needs not a complete overhaul.
The Bailout
by Darryl Bell
February 9, 2009
Article Preview: The government is giving Billions to bail out
the rich and greedy. For many, the new administration’s rescue of
our government, our national integrity, and our economy is a day late and
a dollar short. The many solutions tossed around regarding ways to postpone
foreclosures or revise loans to keep homeowners in their homes are great,
but they do nothing for those who were already violated by predatory lenders
and careless callous loan servicing companies. The thousands of families
that are already out in the cold will suffer for at least the next seven
years with the blight of foreclosure on their credit profile. If the government
wants to provide stimulus from the ground up that will spur the housing
market, they can make great progress by issuing amnesty to homeowners who
lost their personal residence to foreclosure due to predatory loan terms,
or job losses related to the catastrophic economy...
The Bailout (Foreclosure Credit Mulligan)
It would cost nothing to give direct help to families who have already
been foreclosed, and increase the housing market demand, by returning those
folks back to the market for a home without making them wait 7 years. Enact
a law that gives all primary homeowners who lost their homes in foreclosure
due to documentable hardships from the financial crisis a "credit
mulligan" only on the foreclosure. This would allow these folks to
compete for new homes on the merit of the rest of their credit.
Why can’t we give all primary homeowners who lost their homes in foreclosure
since the financial crisis, a credit mulligan only on the foreclosure?
This would allow these folks to compete for new homes on the merit of the
rest of their credit, instead of eliminating virtually 7 years of all that
demand represented by the increasing number of folks losing their homes.
It burns me that all these banks are getting a boat load of help but they
want to turn around and charge ridiculous NSF fees. I have an unemployed
friend who was charged $200 of NSF fees on visa check card purchases that
totaled less than $25, sucking her deeper into the debt abyss. The bailout
should require the banks to give a break on NSF fees for any overdraft
totaling under $50 that are covered in under 3 days.
YES! and while they are at it the bailout should require the banks to give
a break on NSF fees for any overdraft totaling under $50 that are covered
in under 3 days. It burns me that all these banks are getting a boat load
of help, paying their millions of bonuses, but they want to turn around
and charge ridiculous N.S.F. fees. I have an unemployed friend who was
charged $200 of NSF fees on visa check card purchases that totaled less
than $25, sucking her deeper into the debt abyss. How can we turn around
the economy when penalties are eating up the buying power, to fund ridiculous
bonuses!
If the President can admit a mistake and seek forgiveness, isn't it
hypocritical that he does not extend the same courtesy to his appointees?
I am of the opinion that we should be putting real people into office,
flawed and repentant who have compassion for the people they govern. We
know that none of them are any cleaner than the others; some just have
not yet been exposed. By expecting our leaders to be mistake free, we are
creating an illusion of holier than though folks that cannot live up to
the standard for long before they are exposed, while potentially better
qualified men and woman (though flawed yet repentant) are not allowed to
lead. We need to send the Christian based message that forgiveness and
restoration is available to all people who sincerely seek it, even politicians
just like Obama!
You're darn skippy. The free market concept suggests that unrequited greed
would be curbed by the market itself; well here is the backlash to curb
that greed. The people have spoken! if you want to exist, we will bail
you out, but here are the consequences. For those who argue that you won't
get quality CEO's without compensation, I say unemployment it is a heck
of a motivator for people to curb their compensation demands. Let them
compete for the positions at a handful of those companies who are still
afloat or get on the unemployment line. Junior CEOs could not possibly
do any worse and for much less pay! We need to usher in a new era of the
business wiz kids who will work harder for less and not let greed get them
out of touch with the hourly employee on the front line of their companies.
After months of careful consideration, I am endorsing Barack Obama for
President of the United States. This was an especially difficult decison
this year as there were three excellent candiates left in Senator John
McCain, Senator Hillary Clinton, and Senator Obama. Above all else, I believe
Senator Obama will unite this country. I believe in his campaign theme
of hope and change, and after months of establishing this campaign theme,
I believe Senator Obama has finally hit his stride and combined his message
of hope with specifics of economic policy, foreign policy, the war in Iraq,
and addressing the genocide in Darfur.
Economically speaking, we owe this country's vast economic wealth and prosperity
to our freedom. Sadly, during the last eight years, we have experienced
a rollback in our personal liberties. It is our very freedom which allows
us to start a new business, speak freely on the phone without fear of wiretaps,
and the right to assemble peacefully without a camera pointing at us 24/7.
There is a balance between privacy and security to preserve that freedom.
I believe we are too close to crossing that line with the present situation.
Barack Obama is a man that believes in freedom.When people in a society
feel free, they do what they want to do and can create with the inspiration
of the divine. For whatever reason, be it the fear of terror attacks, or
a need to create jobs in the security sector, something has been lost in
the last eight years. I believe Barack Obama is the man to stem the tide
and bring us at least back to where we were before the attacks. Economic
prosperity will thus follow.
On the subject of foreign policy, Senator Obama has a plan for Iraqi
withdrawl. I believe we will have to maintain some forces in Iraq over
a long period similiar to our presence in Germany and South Korea after
those wars ended. However whether you agree with Senator Obama or not,
he does have a plan. The current administration has none, other than to
maintain just enough force in Iraq to maintain a quagmire, which really
seems to help no other industry in the United States other than defense
contractors and oil. Oil is the economic engine that drives this economy
and is absoulutely essential to secure. However if we really had wanted
to secure the oil in Iraq we could have sent far more troops to maintain
stability in Iraq and thereby stabilize prices. The smaller current troop
numbers, even after the surge, seem to have caused prices at the pump to
go nowhere but up. Good if you own oil stocks, but at the expense of the
average consumer. Senator Obama's plan, which has a definable strategy
for exiting Iraq, will if nothing else stabilize oil prices and keep inflation
down in the United States. His willingness to talk with foreign leaders,
even hostile to the United States, is a plus, not a minus. (We talked to
Qadhafi, for example, and he is now out of the terrorism business.)
Finally, Senator Obama brings an intangible to the White House which
this country hasn't seen in a long time, not since Ronald Reagan. He is,
after all, a Daddy, and exudes a warmth this country needs at the right
time and right place in history. Perhaps that is his biggest asset. Happier
times are ahead. Hope, it's a powerful thing.
The Marine Corps Marathon and 10K in Washington
by Andrew Chulock
At the crack of dawn, on October 28th, runners march to the starting
line, at the Pentagon, all 33,500 of us!
What a weekend! My best finish yet by far, placing in the top 7.4% (200/2692)
of all finishers in the 10K. Mix a beautiful city, meeting some amazing
people (and runners usually are), the Spin Doctors performing live, and
some perfect cool, clear, crisp autumn nights, and you had a recipe for
the perfect weekend.
More updates soon
For news on demand: WBC 8NewsOur news channel has launched! www.8News.tv
In the MarineCorp10K
that is,
in Washington, DC this weekend.
I liked running in the National
Half Marathon in D.C. so much back in April, with all the monuments
as scenery and running up Capitol Hill I just had to return for another
race. If you're running in this one, see you at the pre-race pasta dinner!
I'll be with Team Darfur.
The Invisible War:
Where Is the Sacrifice at Home?
Update: On the way home from work today, Thursday October 25th, 2007
there was a small protest in front of the Aventura City Hall, in my hometown.
It did my heart good!
I have traveled extensively across the country this year. I have been
to conservative places (Memphis, Oklahoma City, Mississippi, San Diego)
as well as to liberal ones. (Los Angeles, Las Vegas, Chicago,Washington,
D.C., New Orleans, Boston, Connecticut, and Atlantic City.) With polls showing
that Americans oppose the continued war in Iraq, one would think that traveling
across the country, there would be some evidence of people's discontent
with the war that mirrors these poll numbers. So, how many actual protests
have I witnessed in my travels? If we were looking back thirty five years
during Viet Nam, the more relevant question would likely be how many protests
in EACH CITY did I witness. Well, the answer is, unfortunately, just one.
One single protest. And a paltry one at that, consisting of no more than
10 people, in Mystic, Connecticut of all places. (Yes, it's where the movie
Mystic Pizza was filmed with Julia Roberts several years ago).
You can count me as among the people who say it is too early for us to
withdraw from Iraq, and in fact I advocate sending significantly more troops.
If more troops were sent from the outset, this war would have been over
a long time ago, and sending more troops now would shorten the war, not
prolong it. (Click here to read my article on why I believe that). Nevertheless I find it disheartening
to see so few people who are against this war take to the streets to stand
up for what they believe in. To end this war, really there are only two
options: withdraw or win. I respect both points of view. What I don't respect
is apathy.
If Iraq is truly part of the global war on terror, as this administration
has asserted, then why is there no draft? If our very existence, indeed
the existence of the civilized world is at stake as advocated, then wouldn't
a draft be prudent to save our very existence? The last time it was asserted
that our very existence was at stake, and asserted accurately, was during
World War II. During that war, of course, there was a draft. Not only was
there a draft, but every able bodied man and woman in the nation was involved
in some way towards achieving victory. There were food rations, fuel rations,
Rosy the Riveter, and victory gardens to grow food for personal sustenance
so that more food could be sent to the troops. One could not experience
a single day without some sort of sacrifice at home. War was our entire
existence, from the time one woke up to the time one slept.
So, we are told, our very existence is at stake again. So where is where
is the sacrifice now? Iraq, it is said, is an integral part of the war on
terror, the fight for no less than our own survival. Or is the war in Iraq,
not so important that it rises to this level? If it is, then why no draft?
The answer is very simple. The same people who are hawkish on the Iraq War,
for justifying it on the basis asserted above, that it is part of the war
on terror that threatens our very existence, are the same people that WOULD
take to the streets in protest if it were their sons being sent off to Iraq.
The administration knows this, and that is why the option of sending volunteers
into harm's way for three and even four tours of duty is more attractive
to them then having a draft. A draft would truly unite the country and the
administration knows this, in that it would unite EVERYONE against this
war: Democrat and Republican alike. So instead the administration takes
advantage of the existing brave men and women who volunteered to serve,
for political expediency.
It is selfish that we, as Americans, choose to go about our daily lives
while men and women die halfway around the globe on our behalf. Are we so
plugged into our ipods, Blackberrys, the Internet and video games as to
be indifferent while others make the sacrifice in our name, while our reaction
is well, no reaction at all? Victory in Iraq, whether you were initially
in favor or opposed to the war in the beginning, is in fact vital to our
own national interest. There are enough reasons for us to be in Iraq right
now, such as stability in the region, that render the scare tacticts used
to justify it above unnecessary as well as dishonest. This administration
has managed to prolong a war, an occupation rather, that has lasted longer
than World War II. It has managed to quell dissent at home by limiting the
burden of sacrifice onto a select few military families. This war could
last another 50 years and people would be content with paying lip service
to their sacrifice with "Support Our Troops" bumper stickers and
to follow the President's advice to "Go Shopping", as long as
it's not their kids serving in Iraq. In the process we have exhausted our
armed forces and are ill equipped to handle other global emergencies such
as Darfur, where people have died by the hundreds of thousands
while our hands are tied in the quagmire that is Iraq. From this administration,
I expected a bit more. But from Americans, I expected a lot more sacrifice
than the space given up on an SUV for a bumper sticker.
