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Tuesday, November 10th, 2009
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10:28 am
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The problem with flat rates for health insurance.
The health insurance folks don't have much choice from under the governments guns. They will be forced to charge the same rates for the chronically sick and ill as they do for the healthy and well.
So the insurance company can raise their rates over all, reducing their market share due to charging more, but trying to cover increased payments by raising prices in the hope of bring in enough premium. The ever reducing market share reduces the amount of money to cover the payouts for treatment, there by increasing the need to raise rates, until they are bankrupt and charging a $1,000,000 a year premium to no one at all.
Or they can not raise rates as rapidly. They might gain some market share against the rapid rate raisers, but they are not operating in a vacuum nor as a monopoly, so their competitors will attempt the same thing. And their payouts for treating the chronically ill will out strip the income from flat premiums, just like the folks who tried rapidly raising rates. When they go out of business, they will perhaps leave more customers as law breakers than the rapid rate raisers, but they will still leave folks without federally mandated health insurance, open to fines and prosecution by the Federal Government.
This explains the Fed's insurance plan. It's expensive compared to todays rates only with regard to most groups of insured. When it's the only rate in available, backed up by the same trillions of Federal Dollars that the stimulus and bailouts are backed by, and it's illegal not to buy it, it won't matter what the 20 somethings think of it. It won't matter what the sick or the healthy, or anyone else think of it either.
This is modified from a comment I left in another journal.
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(4 comments | comment on this)
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| Thursday, November 5th, 2009
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2:54 pm - 7 dead, 12 injured in Fort Hood shooting
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Seven dead and twelve wounded at Fort Hood in a shooting by at least two, and maybe three gun men, reportedly the gunmen are in uniform.
This happens in what is effectively a gun free zone.
Our military disarms our service members on base folks. Once past the gate guards, if they are even armed (empty handguns don't count as being armed), one can expect to not meet armed resistance except for Military Police.
Damn the cowards who disarm our own damned military. Damn them to whatever hell they believe in.
(via Sayuncle)
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(comment on this)
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| Tuesday, November 3rd, 2009
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10:42 pm
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I gotta start supporting more Straight White Men Candidates.
It's become Politically Safe, hell, Politically Encouraged, to back someone because they are gay, or because they are some other skin tone than white.
And ya know, that's fucking retarded. Support the person cause you like what they say, not who the fuck, who their parents are.
I'm sorry, but it's flat out stupid. Not retarded, STUPID. Pushing more and more emphasis on racism and sexism is NOT pushing for equality or equal protection under the law or equal rights. It's pushing for protected groups, special rights, and a ruling class.
Fuck that.
I don't promote white boys who fuck girls over black girls who fuck girls or Hispanic boys who fuck boys or Asian shemales who fuck boy/girls. I'm not real sure why I would. I can't support anyone just because I like or dislike what they look like. It's what they DO that matters.
I just don't understand. Are we that much sheep?
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(7 comments | comment on this)
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| Thursday, October 29th, 2009
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5:00 pm
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| Thursday, October 22nd, 2009
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9:07 am
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I expect many execs to go Gault in the near future.
There's nothing worse for the economy than a bunch of dolts who've never run a business dictating the compensation for those who do run businesses.
This recession is just getting started folks. The socialists liberal democrats (but I repeat myself) are going to drag it out as long as possible.
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(4 comments | comment on this)
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| Monday, October 12th, 2009
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11:34 am
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Insurer refuses to cover baby, says he’s ‘too fat’
There really are not enough details here, and I surely don't know Colorado Insurance law, it could differ significantly from Texas law for all I know.
But if this was in Texas, I'm pretty sure the baby would be covered under their insurance plan for 30 days or until discharged from the hospital. Then they should get the ability to automatically add them to their existing plan.
If they waited 4 months to get the child it's own coverage, that would force a qualification in Texas. Tough shit then applies.
This doesn't bother me. Sorry folks. If insurance companies did not deny pre-existing problems, if they did not deny based on height and weight, folks who are sick would simply buy insurance, go to the doctor, get what's broke fixed, and then stop paying premiums again.
That would be the fastest way i can think of to destroy our health care system.
It would bankrupt every provider of insurance, or it would force an insane amount of money up front in order to buy coverage.
Health Insurance is no different than any other insurance folks. They take large pools of people and charge them a premium they calculate will cover the costs of that pools treatment AND cover the cost of administering the plans AND make a profit.
When you insure your car, unless it's a new car they tend to ask you for pictures of it. They don't care about it's engine, they don't cover it, but they wanna know what it looks like. That's qualifying. That way you can't claim the 4 year old crumpled fender on your brand new policy. Every insurance excludes pre-existing conditions.
And yet folks freak the hell out about health care.
What the hell, if it's so evil to qualify and then deny folks, start your own insurance company. You can call it "Pie in the Sky Insurance" and cover anyone who shows up.
Let me know how many millions of dollars you loose the first year. How many billions by the end of the first decade.
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(8 comments | comment on this)
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| Tuesday, September 29th, 2009
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7:58 am
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Public plan debate could pit Democrat vs. Democrat
Two liberal groups are launching a hard-hitting television and Internet ad featuring a young father from Montana. Bing Perrine, 26, in need of a heart operation, uninsured and deeply in debt, looks straight into the camera and asks Baucus, "Whose side are you on?"
That's easy. I'm on my side. You had as much of a chance to get health insurance as I ever have. I'm gambling that I'll end up like you, uninsurable, because I'm not currently covered.
You are not being denied treatment, though you might be denied the cure due to the hundred thousand dollar nature of the procedure. You are being denied insurance. Which is a good thing, there isn't a company in the world that would trade your non-guaranteed monthly premiums for an immediate $148,000 bill. The only folks stupid enough to do that would be those that can take from others to pay for it, IE, the government. That's called a bad risk buddy.
But if all you have to do to survive is go into debt $148,000, think of it like a home loan and pay on it for 15 years. You don't have to pay home owners insurance or property taxes on it, so your payment won't be as large as a house payment, so it's perfectly doable.
Or am I to believe that this guy's life isn't worth $822 a month for 15 years?
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(5 comments | comment on this)
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| Monday, September 28th, 2009
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8:18 pm - it's funny cause it's true
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| Sunday, September 20th, 2009
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3:01 pm
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humbug.
I've been having a fun bought of depression lately. It annoys me. And yet I'm still depressed.
I havn't delt with this sort of none focused core feeling of blah before. Not all that many years ago I felt much more focused dread and depression. Or I guess it was many years ago. 7 or 8. Times does fly at times. Odd.
And it's odd. It's a much worse feeling when I'm by myself, yet I don't dread being by myself.
Go figure.
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(comment on this)
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| Saturday, September 12th, 2009
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11:42 am
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How ignorant does one have to be to support the following concept?health insurers would be required to take everyone at the same rates, provide a standard level of coverage and keep people on their rolls regardless of their health.Terms like “pre-existing conditions” and “underwriting” would vanish from the health insurance rulebook Is it Rocket Surgery to understand that people with higher risks should pay more than people with fewer risks?
Are folks really naive enough to believe that the insurance companies will be able to soak up the losses imposed by flat fixed rates if they don't make that fixed rate HIGH instead of LOW?
I have no idea how this socialist ideal Utopia of cost for insurance is supposed to actually work, and I honestly believe the folks who support it don't understand how it's supposed to work either, that they don't care if it works.
The dishonest and the ignorant will support flat fixed rates for all because it will lead to the collapse of the health insurance market and force everyone into tax pay funded coverage.
The best example of this is the one Obama showed us a few weeks ago. The United States Postal Service is a failed entity because they don't charge based on the cost of doing anything, they just charge a flat rate, who cares if it costs $3 to deliver that $0.42 stamped envelope.
Which explains why UPS and FEDEX are not asking congress for more money, and USPS is.
I don't understand how folks can not think so much.
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(3 comments | comment on this)
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| Monday, September 7th, 2009
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9:56 am
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We are supposed to listen to the man who believes Communist Health Care is better than our regulated to hell and gone Health Care System preach about the evils of "Unregulated" capitalism?
Liberal Please.
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(1 comment | comment on this)
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| Friday, September 4th, 2009
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8:48 am - Undercover cops kill Georgia Pastor in gas station parking lot
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| Friday, August 14th, 2009
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12:53 am
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yeah, I need a job.
The bail bonds thing is delayed.
Might be getting a call about a tech gig.
I guess I'll ask my dad if his job is hiring.
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(1 comment | comment on this)
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| Thursday, August 13th, 2009
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11:26 am - US Soldier Demands Apology From Senator Claire McCaskill at Town Hall
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| Tuesday, August 11th, 2009
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6:58 pm - "If you're not Liberal when you're 25, you have no heart. If you're not Conservative when you're 35,
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That saying has always bugged me, but then, maybe I don't have a heart. I wasn't liberal that I can remember. I was opposed to Clinton in middle/high school. I was opposed to Clinton Care.
I was never really conservative due to my religious beliefs, god is a stand in for that happy feeling we get from feeling safe and taken care of. Of coarse, so is socialism, so just how different are liberals and conservatives?
Which might be why liberals are so hard core, it's a religious belief, full of faith and belief in a higher power, for them it's the government, or some smarter group of folks, or the natural goodness of the human race. Whatever you call it, it's a belief that the whole is responsible for the individual, even if the whole doesn't want to be.
Conservatives might be opposed to that based on their religious belief, full of faith and belief in a higher power, literally God, who is all knowing, and has some flavor of plan for all of us, yet expects us to pay homage through actions.
I tend toward constitutionalism first and libertarianism second. Government is a bit like communism, great on paper, horrible and evil when you add people, which should dispel both liberal and conservative statist true believers, but for some reason just makes them want to do more and more, not less and less.
Government is necessary in my opinion. With in the governments purview is the Justice system (now the legal system), roads, enabling infrastructure through eminent domain, planning/supplying a common defense, and lots of optional benefits. In the optional could be collecting a fee for community trash collection, fire department, schools, park department, etc. The problem with the optional things is they aren't. Along with a whole lot more, the optional is mandatory, and there's no guarantee that the government that taxes us to do these things does any of them well.
Regulatory matters are also optional. Anything unchecked can run rampant, just look at government, but including private entities. A company is no less prone to corruption than a body of government is, yet a company is seen as evil if they try and check government power via "lobbying". I don't understand how business is bad and government is good to so many people, how government is supposed to control business, as if the people that make up the government are in anyway better than the people that make up a business. I don't have a good working solution for this, but it bugs me.
I've always support the rights of the individual, yet some rights trump other rights.
A right to self defense trumps property rights in my mind, which is something many folks believe just isn't so. It's hard for me to understand how someone else's right should disarm another. This falls counter to the "The right to swing my fist ends where the other man's nose begins" I believe. Your property right ends when you attempt to disarm me.
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(comment on this)
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6:45 pm - What liberal bias?
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| Saturday, August 8th, 2009
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8:50 am
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FTC plans in-depth examination of news industryFTC chairman Jon Leibowitz says his agency's upcoming inquiry will be "much, much broader" than simply whether an antitrust exemption is needed. "We are going to have economists and journalists and bloggers and people from different parts of the news media, and we are going to think through [what is occurring] and what the future will look like and whether that future -- which might be a handful of newspapers and [TV] networks that don't have nearly as much reach as they once did and 5 million bloggers -- is a good thing for American democracy."
A government agency conducting a study to determine our rights.
What could go wrong?
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(1 comment | comment on this)
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| Thursday, July 16th, 2009
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9:41 am - PJTV Undercover: Steven Crowder Investigates Why CanadaCare Sucks...Will ObamaCare Be Any Better?
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| Wednesday, July 15th, 2009
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11:30 pm
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Wow.
I just started taking an "IQ" test that had a color blind test dot image as one of the questions.
I guess I'm a bit on the dumb side because I can't see anything in it.
They also had a question concerning different color dots. Hell if I know which dot was which (the correct answer didn't really depend on it, but still).
IQ tests are not color dependent. I think the real IQ test is whether someone is dumb enough to pay $20 a month for their results.
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(2 comments | comment on this)
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| Saturday, July 11th, 2009
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10:38 pm
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Had a pretty good day.
Shot up some ammo I can't replace easily, but what the hell.
My Glock 30 went down, I'm not sure if it needs to go back or not.
My Bushy is still a POS. Oh well.
My newest upper that was made in the 80's, but that I've owned but not shot for a little while now, runs like a champ. I really like how I have it set up actually.
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(1 comment | comment on this)
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| Thursday, June 25th, 2009
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10:37 pm - Infidel Bloggers Alliance: Unimaginable Horror In Tehran Today
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This is an axe wound, just one, doled out by the regime's thug basiji animals on Saturday, June 20, 2009.
( Picture of a dead Iranian under the cut )
Unimaginable Horror In Tehran Today
This is why I will not be disarmed.
In case anyone missed it, I will not be disarmed by any government, group, or individual.
I harbor no delusions that I will be effective if people are ever sent to disarm me, but it is much better to die a free man, armed and resisting, than it is to die an unarmed sheep, butchered by blades.
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(8 comments | comment on this)
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| Sunday, June 21st, 2009
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10:28 pm
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Watched V for Vendetta at the neighbors house today.
I come home to find that most of the protests in Iran are shut down due to armed troops in the streets.
And I figure that's how reality works in truly oppressive societies vs those dreamed up by script writers.
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(6 comments | comment on this)
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| Tuesday, June 9th, 2009
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1:33 pm
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Why is it folks who act in movies for a living tend to be so insane?
Megan Fox follwoing in the footsteps of other insane hollywood elites
When asked how she would stop the ruthless Megatron from demolishing the world, Fox first said that she would “barter with him.” She then, however, went on to say, “... and instead of the entire planet, can you just take out all of the white trash, hillbilly, anti-gay, super bible-beating people in Middle America?"
It's just really strange to me that folks who make their living based on attendence to their films would spout off such stupid driviel.
At least she's young and can claim ignorance for not understanding how business works yet.
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(comment on this)
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12:56 pm
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I wonder what's the percentage of people whom die from a lack of health care in Canada, England or other socialized medicine mecca's would rather go bankrupt and receive more treatment to extend their lives?
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(1 comment | comment on this)
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11:10 am
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A local school district, Cy Fair ISD, wants to eliminate the homestead exemption for tax purposes.
They complain that they have a budget short fall, and will have to lay off 400 people if they don't raise taxes by eliminating the homestead exemption.
That sounds like they need to lay off 400 people to me. The tax base is experiencing their own money problems. Raising taxes by eliminating a traditional Texas wide tax break is a damn good way to drive people out of the market, and perhaps an even better way to steal property from those with their own major money problems.
If they where a private company, they sure as hell couldn't force folks to pay more. Being a government monopoly (they steal money from their citizens at gun point, a monopoly is a nice way of saying armed robber) allows them to do just about whatever they please.
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(comment on this)
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| Friday, June 5th, 2009
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11:48 am
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Listening to KPFT, the local branch of the National Hippie Radio yesterday, they where talking about Houston's feelings on Katrina refugee's (well, I think they called them evacuee's, but whatever).
Something like 7% of Houstonians said they thought the Katrina folks made a positive difference, while the rest (that's 93% if you are following along at home) thought they had a negative impact on Houston. Yet more than 80% said they would do the same or more to help again if they had to do it all over again.
The liberal idiot on the radio went on to say that he felt that folks expected to be rewarded for helping out, they Houstonians wanted to be recognized and rewarded for helping during the after math of Katrina, and that's why an over whelming majority felt the way they did.
I'm flabbergasted. Does that liberal idiot really only help people in order to be rewarded? Do other liberal idiots feel the same way?
I didn't help the Katrina refugee's because they wouldn't help themselves. There was zero need for volunteer's at the Astro Dome, the thousands of folks from New Orleans could have manned every post a Houstonian manned distributing food, clothes, etc. Instead, they sat on their ass and waited for someone else to help them.
I cleaned up the streets a bit, and helped tarp over a ladies roof after Ike, because we where willing to help each other out. I didn't do it for a reward, I did it to do it.
I didn't help my neighbors move because I expected a reward. I helped because they needed help moving.
Is the message that people only help if they are rewarded for helping REALLY the message the leftards on Public Radio want to be pushing? Is that the hope and change we're supposed to believe in?
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(5 comments | comment on this)
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| Monday, June 1st, 2009
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9:42 am - Writer's Block: Teaching Kids about Their Little Carbon Footprint
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Teach them that if the French can do it, we can do it.
Explain that the US Navy has been doing it for as long as anyone, and it's safe and clean.
Educate them about Nuclear energy and let them figure out through research that almost all of the other alternative energies are tax payer subsidized pipe dreams that are sponsored by the collectivist of the world.
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(5 comments | comment on this)
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