Making Society Better

Allen West: I found a definition of Yin and Yang to be, “In Chinese philosophy, yin and yang (also, yin-yang or yin yang) describes how opposite or contrary forces are actually complementary, interconnected, and interdependent in the natural world, and how they give rise to each other as they interrelate to one another.” It appears that our 2016 presidential election cycle is early on being defined by that philosophy. The question is, can this media-driven divide be good for the future of our Constitutional Republic?

In 2008 it was all about the “anti-Bush” sentiment in America – heavily fueled by a complicit media. The rallying slogan was “Hope and Change.” Some of us will never forget the statement, “we are the change that we have been waiting for.” Huh?

Pronoun Trouble… 🙂

None of this was challenged, but embraced as a historical moment that truly was the Yang to the existing Yin. Amazingly, there were little to no questions about policy; just the simplistic retort that “I will not be like the current president.” Furthermore, any challenge to the issue of a lack of policy proposals and experience in 2008 was met with the Alinsky tactic of personal demonization by way of being castigated as racist. And so in 2008 America replaced the Yin with the Yang and we had a new Yin – progressive socialism.

In 2012, the new slogan became “Forward,” and that was even as we recognized that so many quantitative assessments evidenced we were not going forward. We were certainly not progressing, and that situation continues to today. There were deceptions of jobs report numbers and we know that the economy was suffering under one of the most anemic recoveries in American history. But what was most telling was that we actually believed that we were safer; that Islamic terrorism was quelled. That was because Osama bin Laden had been double-tapped by U.S. Navy SEALS. However, the reality was far from being such. And so another deception took place when on 9-11-12 four Americans were abandoned to die in Benghazi – a place which had been destabilized by a horrific intervention by the current administration. Yet the new Yin, aided by a dedicated media campaign told us it was just a video.

So in 2012 we kept the current Yin.

Today, the situation is completely reversed. There is a new Yang that has risen due to the failures of the current Yin. The new slogan is “Make America Great Again.” This Yang has tapped into the evident weakness of the current Yin and has garnered a solid support base. Funny, this new Yang is not being embraced by the liberal progressive media, but its incessant assaults have enhanced the popularity of this new Yang in many aspects. And why is this happening? Simple: because the media clearly established and continues to establish itself as the protector of the progressive socialist ideal in 2008 and 2012. They have lost their credibility.

However, I would caution America to carefully assess whether this new Yang presents any viable policy solutions – similar to 2008.

My concern is that we Americans are once again being driven by media news cycles and not focusing on the prevailing issues or the future of America. Instead of basing our decisions about the future leadership of America on individual personalities, we must seek out a vision. Sadly, the social culture in America forces us to pay more attention to personas rather that principles. Now, I will be the first to admit that consideration of policy solutions may seem boring, but a base understanding is essential.

 

We have become more drawn to the person than the ideal. And what is lacking is a representation of the embodiment of that American ideal. Some would say that it does not exist, and God knows there are many who are trying to eradicate it – “we are five days away from fundamentally transforming America.”

What is necessary at this time in the current election cycle is for the American electorate to listen, and not be emotional. How do we restore the free enterprise opportunity society in order to get Americans back to work and productive in their own lanes? How do we develop a strategy to defeat militant Islamic terrorism? What needs to be done to reasonably stem the flow of illegal immigrants into America, secure our sovereign borders, yet also streamline our legal immigration system? How do we repair a healthcare system where individual premiums are rising, the individual mandate tax is increasing, and the level of care is decreasing? How do we advance the idea of parents being in charge of educating their children and being responsible for determining their outcomes – not the government?

The current Yin has done an exceptional job at focusing America on emotional “feeling” oriented issues. The reality is that the American public feels less safe. They know their beloved America, the land of individual economic empowerment, is becoming a breeding ground of collective economic enslavement, wealth transfer to grow the dependency society, a playground for social egalitarianism, and abject weakness.

And so we have the rise of the new Yang, a new slogan, but a lack of defined policy vision. The interconnection of the Yin and Yang of politics in America is that demagoguery has no favorite side. It can appear anywhere and finds a way to feed off the other.

As we close out 2015, enjoy a blessed Hanukkah, have a Merry Christmas, and celebrate a joyous and Happy New Year. May your favorite college football team win its bowl game – unless they are playing mine. But was we enter into a pivotal presidential election season, seek out an American leader, not an American celebrity.

Political Cartoons by Henry Payne
Political Cartoons by Bob Gorrell

If you Like your Job…

ObamaCare

Please enjoy the latest installment of the “it’s working” chronicles. Sorry, American workers (via The Hill):

ObamaCare will force a reduction in American work hours the equivalent of 2 million jobs over the next decade, Congress’s nonpartisan scorekeeper said Monday. The total workforce will shrink by just under 1 percent as a result of changes in worker participation because of the new coverage expansions, mandates and changes in tax rates, according to a 22-page report released by the Congressional Budget Office (CBO). “Some people would choose to work fewer hours; others would leave the labor force entirely or remain unemployed for longer than they otherwise would,” the agency said in its latest analysis of the now five-year-old law.

This assessment largely confirms the bombshell February 2014 analysis from the nonpartisan entity, which also projected that Democrats’ $2 trillion healthcare scheme would slow economic growth and slow job creation.  Take it away, 2011 Nancy Pelosi:

“Four million jobs will be created by the legislation when it is fully in effect.”

In 2010, she said Obamacare would create 400,000 new jobs “almost immediately.”  Last year, the law’s defenders were reduced to arguing that the reduction in worker hours was a positive development, offering Americans more time to spend with their families, and freeing them from “job lock.”  CBO’s findings determined that Obamacare disincentivizes work, shifting the burden of subsidizing health coverage for people who choose to work less or leave the workforce altogether onto the backs of middle class taxpayers.  Democrats’ frantic “liberation from job lock” spin worked out…about as well as one might have expected.  Obamacare’s cheerleaders have been wrong about virtually everything: Their law was not a job creator.  Their law has not bent the national health spending “cost curve” down.  Their law has not even approached lowering rates across the board.  Their law has not made healthcare more affordable.  Their law has not secured access to care.  Their law has not reduced emergency room visits, or decreased uncompensated care. Their law did not guarantee that satisfied consumers could keep their preferred doctors and plans. And their law has not attracted nearly as many enrollees as they expected, largely due to lack of affordability.  Their law has not signed up as many young and healthy consumer as they’d anticipated, raising new fears of an adverse selection spiral.

Gee, How many times have I said that very thing? 🙂

And their law has not become popular post-implementation.  Meanwhile, the string of high-profile failures among Obamacare co-ops is inflicting more chaos onto an already-strained system:

Health care providers could get stuck with unpaid bills in a half dozen states where co-op plans have collapsed. That’s because there’s no financial backstop in those states if the failed nonprofit startups backed by Obamacare loans run out of money before paying off all of their medical claims. That messy scenario is already playing out in New York, where the state’s co-op shut down at the end of November after its financial situation proved direr than originally known. The Greater New York Hospital Association estimates the co-op, Health Republic Insurance of New York, owes its members at least $165 million. And the Medical Society of the State of New York found that of more than 900 doctors surveyed, 64 percent reported being owed money by the co-op plan. For most insurers, a state’s guaranty fund – bankrolled by the industry – will cover unpaid medical claims if they become insolvent. But in some states, like New York, that fund doesn’t support plans that are licensed as health maintenance organizations, which is typically how the co-ops were set up. The other five states where providers could end up with unpaid bills if the failed co-ops run out of money: Kentucky, Louisiana, Nevada, Oregon and Utah…Just over half of the 23 co-ops seeded with $2.4 billion in loans have collapsed, with most set to cease operations at the end of this year. That’s left roughly 600,000 individuals scrambling to find new coverage.

On Capitol Hill this week, Republican lawmakers are demanding answers about how the government spent hundreds of millions of dollars on state-level Obamacare exchanges that ultimately collapsed, and have since been abandoned.  Here’s Rep. Marsha Blackburn (R-TN) grilling acting CMS administrator Andy Slavitt about whether or not he agrees with the nonpartisan Government Accountability Office’s (GAO) recently-announced verdict that zero of the remaining state-level exchanges are “fully operational,” after five years and $1.45 billion in IT spending, courtesy of taxpayers:

Senate Republicans used a budget maneuver called reconciliation to vote to repeal vast swaths of Obamacare last week, approving a bill that would gut the law.  Once it passes the House, President Obama is expected to veto the legislation in order to protect his unpopular, harmful law. Hillary Clinton, who invented Obamacare, asserted last week that the law is working.

And The Ministry of Truth assures us that it’s all just a plot by dissidents and Thought Criminals and that they just want poor people to die. 🙂

THE AGENDA IS THE AGENDA. They fight for it to very last drop of YOUR blood. 🙂

 

The 1%

The Sith Lords of The Left (except when they are Democrats or Socialists like George Soros then they are ok). 🙂

Debunking the Myth of the “1%.” Who’s Really “The Rich?”

Rich bastards! It’s time to spread the wealth around! If you’re part of the 1%, you’re part of the problem!

Or… is it?

Perhaps the greatest economic misconception of the 21st Century is the idea that 1% of the world’s population are greedy jerks who keep the other 99% of the earth living in poor houses made of mud and tears.

Think the top 1% are billionaires? Nope. Millionaires? Nada. Well, they’re at least cracking $750K, right? Wrong again. In fact, YOU are probably far more affulent than you realize. And you disgust me for it. Let’s look at the numbers, American style:

If you make more than $100,000, you’re in the top 20%.

If you make more than $149,000, you’re in the top 10%.

If you make more than $522,000, BINGO, you’re a 1%’er. You’re probably a greedy jerk too, so screw you.

This is just a guess, but even if you don’t fall into one of these categories, chances are, you at least know somebody who does fall into any of the above categories. Which makes you a second-hand 1 percenter. That’s like a second-hand smoker only more vile. You probably don’t even think of those friends as being rich, but they are compared to the rest of the world. And these are the people leftists tell us are causing all the world’s problems, including the diminishing bee population (not really, but maybe one day), who need to do more for the country by paying their “fair share.” Except, that top 1% of earners already pays more in taxes than the bottom 90% (that’d be EVERYONE making less than $149K) COMBINED. Behold, graphs:

who are the wealthy

Oh, and by the way? If you’re under 31 and make over $300,000 – you’re in the top 0.1%. For realzies. Check out this chart from The Atlantic:

wealthy

But let’s take things a step further. If we expand the comparison globally, you become waaaaay wealthier than imagined. Like Scrooge McDuck from Ducktales, swimming in a vault of coin.

The average yearly income on a global scale? $1,225.

Yeah. You’re rich. Bastard. How does it feel to cause global warming? Even if “your” money is sent to you on a bi-weekly basis from the US treasury… you’re rich. And kind of a succubus, but that’s for another article.

If you make more than a whopping $34,000 a year? You are in the top 1% of the world’s wealthy.

Over half of the world’s 1%’ers (those making $34K+), live in the United States.

the wealthy

Maybe you’re not so bad off after all, Mr. college hipster making $15 serving coffee, huh? Maybe life isn’t so bad climbing the corporate ladder for “just” $75K a year, is it? Also, a nutless monkey could do your job. You mad? Please leave room for cream.

Saying the wealthy need to pay more (paging Bernie Sanders), is really saying we all need to pay more.  Because really, you’re rich. If you’re an American, you’re rich. Like, super, ridiculously rich. Period. Also, you have running water, a flushing toilet, probably a phone of some kind, a flat screen, and maybe a Netflix subscription. So please, stop the whining. It’s getting old.

SO, how rich are YOU?

Here’s a fun tool created by Giving What we Can: you punch in your income and household size, they tell you how rich you are compared to the rest of the world. You’ll probably be shocked. And that’s a good thing. Seriously. Go try it. Like, right now, money-bags.

Go ahead, I Dare you! 🙂

Lesson? If you’re living in the USA, you’re a greedy one-percenter and a bastard for it. Screw you with your flushing toilet and your five figure annual income. All this comes down to dollars, common sense, and perspective. The United States is a bastion of wealth, even for the “poor” Americans binge watching Orange is the New Black. Our top income earners aren’t paying their “fair share,” they’re paying YOUR share too. So get the numbers, memorize them, and every time you hear a gender-studies hipster talk to you about the one percent and shares and fairness and the latest iPhone, tell them about the real facts. If they’ll listen. (Steve Crowder)

But we all know that Liberals do not respond maturely to facts. 🙂

And if Democrats didn’t have the Envy Card, The Hate Card they would be just a husk of nothing floating on the winds. 🙂

But I want us to be super careful when we use the language “hard worker,” because I actually keep an image of folks working in cotton fields on my office wall, because it is a reminder about what hard work looks like. So, I feel you that he’s a hard worker. I do. But in the context of relative privilege…”- MSNBC’s Melissa Harris-Perry.

And remember in  the FY 2015 the government took in more tax money than anytime in it’s history and still ran a deficit!

elect me d5c6f-democrats6

Political Cartoons by Dana Summers

Payback is a Bitch

Political Cartoons by Robert Ariail

Obamacare offers subsidies to help pay for health insurance – if you are buying insurance through the federal exchange and your income qualifies. But now the word is out that at least 1 million people are probably getting the wrong subsidy amounts.

The Washington Post has inside sources providing all sorts of juicy details on this problem – but it didn’t take an investigative reporter to predict this was going to happen.

Heritage expert Alyene Senger warned that Obamacare’s subsidies are tied to income – and if your income changes at any point during the year, your subsidy is supposed to change, too. She explained in January:

if a person’s income fluctuates, which happens more frequently than many realize, the subsidy amount will change from month to month. Thus, when it comes time to file taxes in April, the amount of subsidy received over the past year must be reconciled with the final calculation of the total subsidy for which the individual was eligible—based on actual income for the entire tax year.

So if you qualify for more subsidy help than you receive during the year, you’ll get a tax refund. But if you were given more subsidy than your income qualifies you for, you will be required to repay the excess subsidy.

So don’t make too much (or pursue the American Dream of a better life too hard) of else Mama (Government) will become upset with you and have to get out the IRS yardstick and punish you for you sins you greedy little thing. 🙂

Settle for what Mama gives you, and just shut up and be a good little serf.

Now, the Post reports that the government is attempting to keep up with this – except that the part of Obamacare’s computer system that is supposed to match proof of income with people’s Obamacare applications is, well, not built yet.

Since taxpayers are funding the subsidies, it’s important to make sure the correct amounts are going to the correct people, right? Well, that does make the Obama administration “sensitive” these days, the Post says:

Beyond their concerns regarding overpayments, members of the Obama administration are sensitive because they promised congressional Republicans during budget negotiations last year that a thorough income-verification system would be in place.

This setup is a disaster. And it will ensnare a lot of people. Senger pointed to one analysis estimating that nearly 38 percent of families eligible for subsidies also experience “large income increases” at some point during the year – meaning they would have to pay back some or all of their subsidies.

“The issue is symptomatic of many problems that will plague the law in coming years,” Senger said.

Is it any wonder that 60 percent of voters in a recent poll said the debate about Obamacare is not over? And 89 percent said Obamacare will affect their voting decisions this fall.

Louisiana Gov. Bobby Jindal is right – Obamacare is still not the answer for America’s health care needs. It’s time for Congress to look at patient-centered alternatives that would restore choice to American health care – and stop the unending tales of Obamacare disaster. (Heritage)

But it’s been the Liberal Socialist wet dream for nearly 100 years, they won’t stop until the lat drop of your blood is spilled in hubris to their God.

Hate the VA scandal, welcome to ObamaCare, the VA for the masses. 🙂

Political Cartoons by Glenn McCoy

So True…It’s like a perpetual PBS Pledge Break….

Political Cartoons by Nate Beeler

 

 

Winning!

Political Cartoons by Lisa Benson

President Obama is so obsessed with income inequality that he’ll make yet another speech on it Thursday. But he’ll do nothing about it. After all, the poor are still with us, only there are more of them than ever.

My question would be, was the goal to make every one poor rich or just make every rich person poor thus all “equal” in their poorness?? 🙂

Neither one has worked, yet.

Or was it to just make the poor more numerous and more dependent on Big Brother. That’s working. 🙂

Fifty years after President Johnson started a $20 trillion taxpayer-funded war on poverty, the overall percentage of impoverished people in the U.S. has declined only slightly and the poor have lost ground under President Obama. 

So why do we need unemployment benefits extended even further? Our workforce participation rate has decreased meaning if we had the same amount of individuals in the workforce as in 2009, the US unemployment rate would be closer to 11-12 percent.

The truth is, in spite of the administration’s anti-poverty efforts, poverty has by some measures worsened under President Obama compared to President George W. Bush. The U.S. Census Bureau reported that 31.6 percent of Americans were in poverty for at least two months from 2009 to 2011, a 4.5 percentage point increase over the pre-recession period of 2005 to 2007. Of the 37.6 million people who were poor at the beginning of 2009, 26.4 percent remained in poverty throughout the next 34 months.

One of the most disturbing results of this 50 year war was articulated by Robert Rector, a specialist on welfare and poverty at the conservative Heritage Foundation, “When the war on poverty started, about 6 percent of children were born outside of marriage,” he said. “Today that’s 42 percent — catastrophe.”

It was President Johnson’s policy of rewarding women who had children out of wedlock, and kept a father out of the home, with government largesse — it has caused an epidemic of single parent homes in the black community at nearly 72 percent.

After all these years and trillions of dollars, poverty has decreased only two percent, while increased spending on welfare programs has grown into the stratosphere — some return on the “government investment, hm?(WT)

Wednesday marked 50 years since President Lyndon Johnson asked Congress to wage “all-out war on human poverty and unemployment” — a war that’s seen no end, let alone victory, to celebrate.

A record 46.5 million Americans are still counted as poor, and the share of those living in poverty — 15% and rising today vs. 19% and falling in 1964 — is close to what it was when Johnson sounded the trumpet.

More than 47 million Americans are now on food stamps — also a record high and representing roughly a 50% increase since the day Barack Obama was inaugurated after a campaign based on “hope.”

Meanwhile, an all-time high of Americans — nearly 9 million, 20% more than when Obama walked into the White House — are on disability. And not because they’re disabled, but rather because they can’t find jobs in Obama’s economy and have exited the workforce.

It’s not out of the realm to argue that the war on poverty has had an adverse effect.

The poverty rate was in sharp decline when Johnson made his speech. It fell from almost 23% in the late 1950s to 17.3% in 1965, a year after the program was announced and before it could have made any significant impact. Since then, the rate has remained virtually flat — never better than 11%, never worse than 15%.

Many on the political left say poverty is still with us because insufficient funds have been applied. Indeed, that was the reason given by Sargent Shriver, who ran the war as head of Johnson’s Office of Economic Opportunity. Asked why the program was not progressing as expected, Shriver, who believed 1976 should be “the target date for ending poverty in this land,” said the government hadn’t spent enough.

We cringe at what the Democrats would consider enough. Robert Rector who has studied poverty for nearly three decades at the Heritage Foundation, reckons government has already spent $20.7 trillion in taxpayers’ money on 80 means-tested welfare programs in the past 50 years.

Despite the spending — or because of it — the 2013 Index of Government Dependence as measured by Heritage scored America in 2011 at an all-time high of 332, almost 17% higher than when Obama took office two years prior.

During his second term, President Reagan reminded the country that “in the ’60s we waged a war on poverty” but “poverty won.” Almost three decades later, it’s still winning.

And always will. Especially, with Liberals around to make even more poor people!

Political Cartoons by Bob Gorrell

Political Cartoons by Bob Gorrell

Political Cartoons by Michael Ramirez
 Political Cartoons by Jerry Holbert

Doing The Math

The number of American workers collecting federal disability payments climbed to yet another record of 8,853,614 in March, up from 8,840,427 in February, according to newly released data from the Social Security Administration.

But don’t worry, the economy is “improving”. 🙂

Political Cartoons by Jerry Holbert

The Obama administration wants banks to lower lending standards, and Fannie and Freddie are back in the black. The stage is set for a replay of some very unpleasant history.

Do you miss the thrill you felt when your wealth got vaporized in 2008?

Well, they want to do it again. Because it’s only “fair”….And after all, it was the Banks’ fault! 🙂

Michael Ramirez Cartoon

Let’s do the math: We have nearly 30 million uninsured people about to get medical coverage under the health care law come January. And we have a projected shortage of 45,000 primary care physicians by 2020. Add to that the American Association of Nurse Practitioners (AANP), with 43,000 members who say they can offer basic care if state laws would just let them set up an independent practice without doctor supervision.

And the answer is …

The nurse-practitioners, of course, say it’s a matter of simple addition: New laws are needed to give them more autonomy.

But doctors say it’s a miscalculation to think that patient safety won’t be compromised by not having a doctor overseeing things. Family physicians have more than four times as much education and training, accumulating an average of 21,700 hours, whereas nurse-practitioners receive 5,350 hours, the American Academy of Family Physicians points out.

So you’ll get the clerk instead of the mechanic to fix you up.

But fear not! Obama is here to save you.

Last week, one of the world’s leading consulting firms, Milliman, warned about sticker shock ahead for individuals and families buying health insurance.

How did the White House respond? In its usual Orwellian fashion, it said, “Health care costs are falling, thanks to the reform law.” Falling is correct only if you’re standing on your head.

President Obama repeatedly promised that insurance exchanges would save families up to $2,300 a year.

He couldn’t possibly have believed it. From day one, it was obvious the law would push up premiums.

That’s because it requires insurers to cover services rarely covered in the past, puts sick people in the same risk pool with the healthy and slaps insurers with $100 billion in taxes to pass along to consumers.

Who will be clobbered by high premiums? Everyone buying insurance on the exchanges.

Those are people who customarily buy their own insurance (about 25 million) and people who are currently uninsured but have to get it beginning in 2014, and finally millions of people whose employers will drop coverage in response to the law’s costly requirements. Milliman predicts 67 million people in all by 2017.

These people will have no choice but to buy the one-size-fits-all “essential benefits package.”

That includes treatment for drug addiction, maternity care and dental and vision care for children. Only 2% of plans currently include all these services. When the law compels insurers to cover more, it compels consumers to pay more.

The Ohio Department of Insurance says the requirements will push up premiums 20% to 30%.It cheats the couple not having any more children and the straight-arrows who will never shoot heroin.

The healthy also get whacked. Until now, most states helped people with pre-existing conditions by setting up separate, subsidized risk pools.

Someone in the sickest 5% of the population will use 17 times as much care as a healthy person, according to the Agency for Healthcare Research and Quality. The Obama health law pools everyone together and requires the healthy to pay as much as the sick.

This is like asking you to subsidize the premiums of the guy who has 15 speeding tickets and 5 DUIs but is required to have insurance! (they do exist by the way- High risk pools)
See Adverse Selection. 🙂
So what’s the answer…Slick Marketing!! 🙂

Uninsured: The White House recently released details about how it plans to market ObamaCare to the uninsured. What it reveals is that most of them don’t want what the administration is trying to force them to buy.

In a series of slides posted on the Health and Human Services’ website, the administration explains how it plans to market ObamaCare to the uninsured.

Let’s leave aside for a minute the oddity of this effort. Its backers have endlessly touted ObamaCare as a miracle of modern government that will at long last bring insurance within reach of 48 million people who desperately want it. Besides, the law mandates that everyone buy ObamaCare coverage.

So why the need for a big marketing push at all?

Once you look at the marketing slides the HHS has produced, you find the answer.

It turns out that the Democrats and the Obama administration apparently didn’t bother to investigate who these uninsured people actually are before they forced through a $1.8 trillion plan to help them.

What they’ve learned since is that more than half of the 48 million who the government says are uninsured aren’t interested in health insurance, which is why they don’t bother to buy it in the first place.

The administration now admits that vast numbers of the uninsured will be unlikely to respond to ObamaCare’s marketing pitches.

The biggest market segment identified by HHS, in fact, is what it describes as “healthy and young,” who make up 48% of the uninsured population.

They have “a low motivation to enroll” because they are in “excellent to very good health” and so “take health for granted.”

Plus, as the HHS has apparently just discovered, most of them say that cost is the main reason they don’t have coverage.

Then there are the “passive and unengaged,” which make up 15% of the uninsured and also have a “low motivation to enroll” because they “live for today.” They also cite cost as a key factor.

The problem, of course, is that ObamaCare will make insurance vastly more expensive for many of those who fall into these groups by larding on new benefit mandates and placing limits on premium-lowering deductions and co-pays. It will also introduce insurance market rules that force the young and healthy to subsidize premiums for those older and sicker.

State insurance commissioners have been warning the administration about how all this will cause “rate shocks.”

And even ObamaCare’s backers admit that its subsidies won’t compensate for all the new costs these rules will impose, making it even less likely that these groups will sign.

Indeed, the only group likely to rush into ObamaCare’s arms are the 29% who the HHS says are “sick, active and worried” who will have the “highest predicted responsiveness” to mass media ads.

See adverse selection. And Moral Hazard. And you should understand why this whole thing is so doomed….

If only these people sign up, ObamaCare’s premiums will spiral out of control, as the pool of insured gets sicker and more expensive.

And that, in turn, will cause still more of the young and healthy to drop insurance and taxpayer subsidy costs to skyrocket.

Democrats may think that a big, slick marketing campaign can change all this. Our guess is that it will be about as effective as Ford’s was for the Edsel. (IBD)

But you get to pay for it, in perpetuity!! 🙂

Imagine if you and your friends split the tab for coffee every day, and then someone who orders a five-course meal joins the group. Oliver Wyman, management consultants, reported that putting people with pre-existing conditions in the risk pool will push up premiums 40%.

Similarly, Milliman predicts medical claims going up 32% on average and by as much as 62% in California and 80% in Ohio by 2017.

$100 billion in new federal sales taxes on health plans over the next decade will clobber consumers, too. In New York, where premiums will be highest, the taxes will add $900 a year to the cost of a family plan, Oliver Wyman estimates.

The White House dismisses concerns about rising premiums, saying consumers with moderate incomes will get subsidies. That’s like arguing that it’s OK for food prices to double because the needy can get food stamps. Taxpayers foot the bill for subsidies. And consumers ineligible for them get socked with sky-high costs.

Even with subsidies, millions of people coerced to sign up will stop paying premiums. A family with two adults, two kids and a household income of $35,300 will be eligible for an $11,090 subsidy paid directly to the insurer, but they will have to pay at least $118 a month toward the premium.

Families living paycheck to paycheck will default in order to make rent or car payments.

This is the mortgage crisis and the college loan crisis all over again. Another gift from the politicians who think Washington knows best. (IBD)

‘Government is not reason; it is not eloquence. It is force. And force, like fire, is a dangerous servant and a fearful master.’ –George Washington

Political Cartoons by Lisa Benson

Photo

You’ve Been Warned…

A ‘Paycheck Fairness Act’ introduced in Congress last week would require employers to show pay disparity is related to job-performance and prohibit employer retaliation for sharing salary information with coworkers.

Currently, the law allows employers to sue or otherwise punish employees for sharing their salary information and women still make just 77 cents on their male counterpart’s dollar, according to Sen. Mikulski’s office.

So expect massive “workers” lawsuits to force a quota for “fairness” and “equality” if this passes.

In other words, Government will be looking over your shoulder every time you hire a man or a woman and you’d be nice or The Grinch (NOW,etc) will come get you.

This isn’t about Men, you know. They are just evil to begin with. So you better be hiring more Women and minorities than Men, especially White Men.

Racial quotas, sexual quotas, income quotas…Nope, no socialism or authoritarianism here…Government is you friend and you will bow down to us or else!

Mikulski and DeLauro said the Paycheck Fairness Act would also allow women to seek punitive damages for pay discrimination, establish a grant program to strengthen salary negotiation and other workplace skills and require the Department of Labor to enhance outreach and training efforts to eliminate pay disparities. (This being the same Department that wanted Illegal Aliens to call them if their boss was being mean to them).

Like I said… 🙂

The unemployment rate is at 7.9 percent which is .01% higher than when Obama took office 4 years ago.

So, what does Obama do?

He disbands his “jobs council” that rarely met anyways.

Mission Accomplished.

The new Normal has been achieved and no one is really complaining about it.

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The welcome materials the federal government directs new immigrants to read — which detail, among other facets of American life, how and where to get government benefits — are in the process of getting a bit of a makeover to increase accessibility for newcomers.

The WelcometoUSA.gov website, which bills itself as “the U.S. Government’s official web portal for new immigrants,” maintained by the Department of Homeland Security’s U.S. Citizenship and Immigration Services (USCIS), will soon feature information about President Barack Obama’s signature health care legislation, USCIS spokesman Chris Bentley told The Daily Caller

Not that they are worried about Legal Immigration all that much, But gotta show the drug benefits to the new addicts so they’ll vote for Democrats.

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In a final regulation issued Wednesday, the Internal Revenue Service (IRS) assumed that under Obamacare the cheapest health insurance plan available in 2016 for a family will cost $20,000 for the year.

I’m sure everyone can afford that and that rate will never go up. 🙂

And if you smoke, add $5,000. More restrictions (for your own good) to come…

And absolutely no “Pathway” death Panels… 🙂

Under Obamacare, Americans will be required to buy health insurance or pay a penalty to the IRS.

Now, that’s Freedom at it’s core. 🙂

The IRS’s assumption that the cheapest plan for a family will cost $20,000 per year is found in examples the IRS gives to help people understand how to calculate the penalty they will need to pay the government if they do not buy a mandated health plan.

The examples point to families of four and families of five, both of which the IRS expects in its assumptions to pay a minimum of $20,000 per year for a bronze plan.

“The annual national average bronze plan premium for a family of 5 (2 adults, 3 children) is $20,000,” the regulation says.

Bronze will be the lowest tier health-insurance plan available under Obamacare–after Silver, Gold, and Platinum. Under the law, the penalty for not buying health insurance is supposed to be capped at either the annual average Bronze premium, 2.5 percent of taxable income, or $2,085.00 per family in 2016.

In the new final rules published Wednesday, IRS set in law the rules for implementing the penalty Americans must pay if they fail to obey Obamacare’s mandate to buy insurance.

To help illustrate these rules, the IRS presented examples of different situations families might find themselves in.

In the examples, the IRS assumes that families of five who are uninsured would need to pay an average of $20,000 per year to purchase a Bronze plan in 2016.

Using the conditions laid out in the regulations, the IRS calculates that a family earning $120,000 per year that did not buy insurance would need to pay a “penalty” (a word the IRS still uses despite the Supreme Court ruling that it is in fact a “tax”) of $2,400 in 2016.

For those wondering how clear the IRS’s clarifications of this new “penalty” rule are, here is one of the actual examples the IRS gives:

“Example 3. Family without minimum essential coverage.

“(i) In 2016, Taxpayers H and J are married and file a joint return. H and J have three children: K, age 21, L, age 15, and M, age 10. No member of the family has minimum essential coverage for any month in 2016. H and J’s household income is $120,000. H and J’s applicable filing threshold is $24,000. The annual national average bronze plan premium for a family of 5 (2 adults, 3 children) is $20,000.

“(ii) For each month in 2016, under paragraphs (b)(2)(ii) and (b)(2)(iii) of this section, the applicable dollar amount is $2,780 (($695 x 3 adults) + (($695/2) x 2 children)). Under paragraph (b)(2)(i) of this section, the flat dollar amount is $2,085 (the lesser of $2,780 and $2,085 ($695 x 3)). Under paragraph (b)(3) of this section, the excess income amount is $2,400 (($120,000 – $24,000) x 0.025). Therefore, under paragraph (b)(1) of this section, the monthly penalty amount is $200 (the greater of $173.75 ($2,085/12) or $200 ($2,400/12)).

“(iii) The sum of the monthly penalty amounts is $2,400 ($200 x 12). The sum of the monthly national average bronze plan premiums is $20,000 ($20,000/12 x 12). Therefore, under paragraph (a) of this section, the shared responsibility payment imposed on H and J for 2016 is $2,400 (the lesser of $2,400 or $20,000).” (CNS)

UNIONS

The following is hilarious since Unions were the #1 beneficiaries of ObamaCare Waivers…

Labor unions enthusiastically backed the Obama administration’s health-care overhaul when it was up for debate. Now that the law is rolling out, some are turning sour.

Union leaders say many of the law’s requirements will drive up the costs for their health-care plans and make unionized workers less competitive. Among other things, the law eliminates the caps on medical benefits and prescription drugs used as cost-containment measures in many health-care plans. It also allows children to stay on their parents’ plans until they turn 26.

To offset that, the nation’s largest labor groups want their lower-paid members to be able to get federal insurance subsidies while remaining on their plans. In the law, these subsidies were designed only for low-income workers without employer coverage as a way to help them buy private insurance.

In early talks, the Obama administration dismissed the idea of applying the subsidies to people in union-sponsored plans, according to officials from the trade group, the National Coordinating Committee for Multiemployer Plans, that represents these insurance plans.

As financial reality sets in, and rather than figure out a way to pay for the bill they helped pass, unions are trying to see if Washington will bail them out.

Poor Babies. Slept with the Devil, campaign for him, Now they found he is a Devil and he stabbed them in the back and now they want him to kiss their butts!

They are his favourite Pets.

Typical Union.

“A handful of unions say they already have examined whether it makes sense to shift workers off their current plans and onto private coverage subsidized by the government. But dropping insurance altogether would undermine a central point of joining a union, labor leaders say,” the report adds.

No, really, union heads are acting like no one warned them that costs would go up.

“We are going back to the administration to say that this is not acceptable,” said Ken Hall, general secretary-treasurer for the Teamsters.

“I heard him say, ‘If you like your health plan, you can keep it,’” said John Wilhelm, chairman of Unite Here Health, the insurance plan for 260,000 union workers. “If I’m wrong, and the president does not intend to keep his word, I would have severe second thoughts about the law.”

D’OH!

Why? Why? Why didn’t anyone tell these leaders about the costs associated with “Obamacare”?

“It seems someone finally noticed that mandating benefits and imposing regulations has a tendency to … increase costs,” Doug Bandow writes for the American Spectator. “Increases which workers are stuck paying. Who would have imagined such a result?  It’s not like anyone warned them, right?”

🙂

We are from the Government and we are here to Help you…..

Political Cartoons by Chuck Asay

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