Thursday, April 20, 2017

Repeal and Replace Only Half the Answer

There is a stigma developing in the United States against those who do not have health insurance and that stigma only makes the problem worse. It blinds one to the true problem and hinders the ability to find responsible productive solutions.

I mentioned to my friend the issue of requiring some level of health insurance to qualify to establishing an HSA; health savings account.

He is well insured through his work, yet opened into a rant against the policy. “When your kid is born you can set up an IRA for his education, you can set up IRA’s for almost anything but the government wont let you set up an HSA without buying health insurance…..”

What did Paul Ryan mean by the extension of HSA’s? Does his plan come anywhere near to the excellent plan envisioned by Ben Carson, a man embedded in the healthcare system until recently? A plan where everyone can invest freely in an HSA, funds transferrable among family members, where the family becomes their own healthcare insurance policy has captured the hearts and minds of the people of this nation.

And what of removing those lines around the states? When Paul Ryan mentions farmer’s and construction worker’s guild’s policies crossing the lines, are the changes he is referring to for only some professions and not others?

Who knows. One thing is certain, the American people have no reason to trust their politicians.

Most essential to healthcare reform is the establishment of a system that competes with health insurance providers.

Let us say we allow children to stay on their parents policy until 26. A couple’s child is 22. He has an HSA established from when he was born. His parents come to him and say, “Hey, we are paying $500 a month to keep you on our policy. How about we give you $300 a month for your HSA and we take you off the policy. Your HSA is already pretty large and you’re young…”

So $500 a month leaves the health insurance industrial complex and $300 more is set aside to empower the healthcare purchaser. The parent’s are getting a deal as, if the funds are transferrable between family members, there is in some scenario more money for their healthcare needs.

In fact, family HSA’s may become so large (due to length of investment and/or sudden death) that, if a person begins investing responsibly when young, a family may see no need for health insurance at all. When marrying and having children it may be wise to seek a stable job that provides insurance but otherwise it would be unnecessary. Then when one retires they can tap their HSA for Medicare supplemental policies. Or will Medicare even be necessary?

Life Insurance may also be a backup for one’s HSA as it can be tapped by the terminally ill to help with healthcare costs. With a substantial HSA and a good sized Life Insurance policy, many may see no need for health insurance.

These scenarios bring competition, market forces not only in the market for services, bringing costs down, but straight up against the healthcare insurance providers. The problem with healthcare is that it has become an incestuous cabal of healthcare providers, health insurance companies and government. These institutions are concerned only with their own profits and stature, and the people have been forgotten.

These and the following example below will bring the health insurance lobbyists to lobby for a better product because they are competing with people providing for themselves. Now let me tell you what I, as a common man, envision in regards to removing the lines around the states.

No lines. Now, let us say a church, which has limited members (needing health insurance) state by state, but has large numbers nation wide, sets up their own insurance company, much like our teachers did here in Wisconsin.

A member under their Church’s health insurance becomes sick. They pay their bills in cash, receiving the cash discount, because they submit their bills directly to their insurer, not through their healthcare provider. The insurer need only confirm that previous bills were paid before paying out for further bills.

The insurer being the Church, there are ministers and elders familiar with the congregation who know if the member is truly sick. In this way fraud is reduced. Those ensuring no fraud is being committed are not technically under the payroll of the insurer; their Church’s company. Yet another savings found in man’s ability to care for his fellow man without being told or forced to by law.

Now, if the policy is lacking, unable to cover all costs for the Church member, there is a built in crowd funding community to fill in for the costs of being severely ill.

But I do not know if anything I have described here is possible under the proposed replacement bill, which is promised to be passed after we pass the bill to take care of the health insurance companies. Is it any wonder that I and most Americans do not trust the government?

We, and the Freedom Caucus if I may speak for them, believe that putting off these changes, HSA’s and removing the lines as President Trump puts it, until later translates into putting them off forever.

President Trump is a business man. He can relate with businessmen in the insurance industry and understand their positions. But does he truly understand what has been perpetrated against the people by the health insurance industrial complex? How differently would these businessmen present their case to President Trump if the people had options other than health insurance to provide for their
healthcare?

The promise of removing the lines around the states and the ability to freely establish HSA’s are a very big issue among the people. They should be addressed first. If so the insurance company lobbyists will rush in with multiple ways to reform the health insurance system; reforms that will benefit the people.

It is just how I see it.

Thursday, January 19, 2017

Obamacare; The Repeal Reveal

Paul Ryan and the Republican Congress tell us that they have a plan already written to replace Obamacare.

What were the Republicans planning before the Presidential elections? Did they believe Donald Trump would win the election? I do not think so.

So, what was their plan? What were they going to do to rescue, to free, the people of this nation from this tyranny?

I refuse to participate in Obamacare. I refuse to pay the fine. I believe it to be un-Constitutional no matter what Chief Justice Robbing Roberts claims. I find solace and strengthened conviction in greater minds who believe as I.

After the Obamacare case before the Supreme Court was lost, what was the Republican plan to save the people from Obamacare?

After receiving more than one notice from the IRS for my affordable care act contribution I called a low cost legal service which I have with a simple question. “Are there any class action suits against Obamacare that I can join into?”

The answer was no. I heard nothing among the national talk show hosts or media of any such actions. I was under the impression that a tax could not be challenged until people were subject to that tax and could demonstrate its un-Constitutionality. Chief Justice Robbing Roberts did claim it was a tax, did he not.

What was your plan Republican leaders if Hillary Clinton would have won? You hold a large majority among state governments. Were you going to organize the states against the federal government? It was what I was hoping for. I could imagine no other way out of this tyranny if Clinton had won. Yet I heard no such language from either Republicans or Conservatives.

Our country has been suffering subversion for far too long. Subversion guided by an ideology that has failed in all things, but in the attainment of absolute power for those in government.

There was a scene I watched on the History Channel’s show “Vikings.” A King in Britain was teaching a young protégé. He invited the young boy to share wine with him. One goblet, then another, then another, though the boy protested all the while. Finally the boy threw up his wine. The King told the boy he should never let anyone else tell him what to think or do. That he should have his own thoughts and convictions and stick with them.

The King poured out his goblet. “See”, he said “All this time I was drinking water.”

One of the oldest stories in the world. The democrats have only one interest in their minds; their own, power for power’s sake. They are un-American in thought and intent. They are atheistic God deniers and haters and correspondingly they hate the United States and all it has stood for. And they have been drinking the Republicans under the table.

Yet our Republican leadership will not stand against them. Reaching across the aisle is so all important to the Republicans. This is neither the high road, as you turn a blind eye to the citizen’s suffering, nor leadership. There is no leadership in consensus. There is no success or prosperity in consensus. Only clear single minded leadership and honest debate among virtuous individuals has lead nations and the world forward.

Perhaps Jesus should have come to a consensus with the devil when he was tempted. In that sense, if you consider the Republican party the only hope to save this nation, you may call the media the devil; a temptress.

The democrats day by day show themselves more incapable, more morally bankrupt, more impotent and more in denial of everything that is good: God, family and our nation as it was founded. The only greater fools are those who would lend the democrats any validity.

Do the democrats need to erect a temple and start making human sacrifices before Republican leadership finally makes a stand against them? Some would say their temple is the Supreme Court and abortion the demanded sacrifice.

Obamacare needs to be repealed completely. The biggest obstacle in the eyes of our politicians in replacing Obamacare is the bureaucracy created by Obamacare in government and the medical field. You, our representatives, are in office to adhere to the will of the people, the majority, not that of government.

It is essential for the future of freedom and this nation that Obamacare be repealed completely.
The few benefits Obamacare creates, such as coverage for people with pre-existing conditions, can fit on three pages. Reforms, such as removing the lines around the states and tort reform, that will bring costs down significantly can fit on a few more pages. Obamacare is some 2,700 pages. That is more than twice as many pages as my Bible.

Turn the exchanges into a claims office and ensure coverage for all those on the exchanges who cannot find or afford better plans. Over the course of a year many of them will find better plans. Then take what is left and evaluate the real problem.
Basically, except for those who truly cannot afford insurance, the government should stay out of healthcare. Free market forces need to be unrestricted among all who can afford their own healthcare to keep costs down.

One of the few statements I have made on this blog which I find most profound (I pat myself on the back) is that; “When medical insurance becomes prepaid medical, single payer will be the natural outcome.” Just as welfare was reformed to make it more profitable for people to look for ways off the dole, catastrophic policies need to be promoted over more all encompassing policies among the young and all those of working age.

HSA’s with no insurance coverage requirement is essential. I have advocated for it on many occasions. Incentives, aimed at young people in particular, to invest will put aside much of this nations wealth for healthcare, reducing strains on the system and supporting free market forces.

Ben Carson’s vision of the extended family able to share their Health Savings Accounts as a type of family insurance policy has benefits beyond the obvious. Tracking the size of HSA’s can provide an unobtrusive way to track health problems. The accounts being transferable to family members and inheritable will reveal lineages with strong gene lines, or that suffer sudden death, if the accounts grow to be very large. Or reveal chronic disease among certain gene lines or socioeconomic groups if small or in need of constant assistance.

The Republican leadership should not fool themselves, believing the people will be satisfied with business as usual. They should not believe we the people will fall for just any replacement of Obamacare. We the people are watching very closely. We have been watching with disapproval for a long time.

Monday, November 07, 2016

Conservatism and the Constitution

Is there anything more conservative, in light of our Constitution, than a citizen legislator; or executive? Not that I can see. I believe  it was the goal of our founders, in writing the Constitution, that legislators and our executive, the president, arise from the citizenry.

Our political overlords are not required to balance a budget, can work as little or as much as they like for a similar wage, amass great wealth from the lobbyist guild, and can freely and proudly call failure success, if only they had more of our money.

We as citizens are afforded no such luxuries. Well, media figures are but for the rest of us… If we were to act as our politicians do we would find ourselves penniless, living on the streets, or in prison. It is true for the laborer and even more true for a business owner or corporate executive on the wrong side of the political spectrum. But not for Hillary Clinton.

Donald Trump is the most conservative candidate this nation has seen since Ronald Reagan. How can I make such a claim?

First Donald Trump loves his country. You can hear it in his words. You can see it in his family. He feels for others. He becomes emotionally involved with all he meets. He wants the best for the people of this nation and he will deliver the best as he has done his entire life. How could I possibly believe that? Because he is tough on those around him. He expects the best from others, from all, because he believes anyone can deliver excellence. Yes he can be very crude and offensive in his efforts to inspire, but anyone over fifty has the ability to understand the heart behind it.

Second Donald Trump is the ultimate outsider. A Blue Collar Billionaire I heard him called this morning on the radio. Only an outsider who never succumbs to the influence of those around him can make the changes this country really needs.

Ben Carson and Rand Paul never had the political punch to make sustainable changes. Serious follow through would have been needed and it wasn’t going to come from the establishment. Ted Cruz was to volatile of a figure. All his accomplishments would have been labeled mean spirited and reversed as soon as he was gone.

Marco Rubio? Anyone who believed Marco Rubio was a conservative solution to the problems we face as a nation are blind to the roots of the problems we face as a nation. Marco Rubio would have been the same slow death brought to us by the Bush administrations and represented by candidates such as John McCain and Mitt Romney.

Do you still believe that Donald Trump is not a conservative? Let me put it this way. The policies of the republicans versus the policies of the democrats can be placed into two categories; right and wrong, competent and corrupt, or God respecting and God denying.

Will a man from the private sector that has sought success and excellence in everything he has done in life, forced to play by the rules or face dire consequences, chose the latter rather than the former? I do not think so.

This is the root of the republican party’s deepest flaw. They believe they must reach across the aisle. They believe that a society under the sway of atheistic socialism and a God revering society share common values; a common culture. They do not.

Remember the roar of the psychic cheer that reverberated across this nation when Ronald Reagan called the Soviet Union an evil empire? The democrats are propagating great evils upon this nation. There is no middle ground on a growing number of issues, most notably gay marriage.
The republican party’s second fatal flaw, embodied in the likes of Paul Ryan, is that they believe government can solve problems. Government is the problem.

The future of this nation requires drastic structural change in government and only Donald Trump has the standing among the people and the ability to confound the media to bring these changes about. Corruption, incompetence, elements of tyranny and the disregard for our laws, the blatant disregard for the futures of the people of this nation, the outright abandonment of our Constitution all need to be addressed. Donald Trump has the insight and ability to recognize the problems, and with an unrelenting drive for success and the pursuit of excellence, the honesty and competence to fix those problems.

I believe tomorrow will be a landslide victory for Donald Trump. I have had this feeling since the beginning, though media coverage has fed my doubts to the point of gluttony.

I felt this same feeling strongly while I was watching the final debate. It is the kind of feeling you have when sitting at the poker table and though you do not have the best hand, or may be completely bluffing, you just know that when you make your bet or raise everyone will fold; the feeling that you own the table. When the topic of voter fraud came up I had an image of democrat pawns being sent to the polls over and over and I smiled with the revelation that, …they were not all voting for Clinton. True Conservatives own the table with Donald Trump.

It has been a long while since my last post. Why? I see my views on current and political events, my insight as an educated experienced common man, being expressed via the conservative media nearly as fast as I develop them myself. I have had no need to post; there was nothing I could add. At one time my views stood out as unique and powerful. Now they are common place. What changed? Donald Trump became the leading republican candidate for president.

That said, I will be laying out the Constitutional Amendments I believe are essential to revive this nation in the near future. Mark Levin, one of the greatest Americans of our time, has put forth a magnificent work on amendments to our Constitution he believes essential to save this nation. I differ slightly in my views. I will put forward three or four amendments that are most essential for this modern age and argue in excellent fashion why my perspective on sought after amendments is superior to what others generally support.


I feel great hope and expectation for tomorrow, yet trepidation over how the left will respond. I have written extensively on the belief in violent revolution central to communist/socialist thought.

Thursday, December 31, 2015

Goodwill to Men

What is goodwill? Can you hold it in your hand? Can you see it as you can see a tree growing in your yard? Can you feel it like a fine carpet under foot? Can you taste goodwill. Perhaps only in metaphor.
How is goodwill conveyed? How is it understood? Can you show goodwill to a lion or tiger and expect it to respond in kind? Goodwill is a human understanding, a common understanding, and that commonality, the fact that we can share what can not be quantified in material terms is the testament to what makes us human.

The topic of politics came up between myself and a respected member of our church; a black man. The origins and nature of the democrat party was the issue. Factual realities such as the racist nature of the democrat party founder, Andrew Jackson, the democrat party’s stand against civil rights, that Al Gore’s father filibustered the civil rights act, the Jim Crowe laws of the democrat south, the fact that Martin Luther King was a republican, that the respected senator Robert Byrd, a democrat, was the prominent leader of the KKK, that the KKK was born as the militant branch of the democrat party, that democrat party policies destroyed the black family, that they are leading a black genocide via Planned Parenthood, none of it was going to sway my brother in faith’s belief in what he believed to be the party for his people. …and I could have gone on.

My friends belief that somehow the democrats reformed and that the republican party, the party of Lincoln, converted, “switched places with the democrats”, to a platform of racist elitism bent on the destruction of the poor could not be changed. It is the way things are and I was incapable of understanding the reasons.

Am I incapable of understanding the plight of the black man? As a human speaking to a fellow human the term goodwill would convey something near identical to each of us. We even have the capability to express and admit to experiences and intentions we recognize as beyond our understanding. We say, unimaginable suffering, or indescribable destruction where even an image could never convey the devastating emotional toll upon the victims.  We speak of bitter sorrow to quantify the experience beyond the common.

So as one human to another, as one human to any other human, can one deny another’s empathy or compassion, judging the other incapable of any possible understanding? No. When you do, you strip away what makes us human from the relationship. There is no basis for a relationship. An irreconcilable divide will arise, if ever I were to discuss politics with my friend again, as it stands now.

I have not experienced what it is to grow up black, to live as a black man. But as a human, as a citizen that remembers the turmoil of the sixties as a small child, who witnessed the black pride of the seventies, the red lining of neighborhoods and the decline of the black family, along with the decline of the nation, as a responsible member of society, as one who, being human, cannot help but feel and distress over the fate of this nation and its people that includes all men, I am perfectly capable and qualified to enter into the national discussion on race or any other topic relevant to this nation. My opinions are perfectly valid in the human debate.

Here is what I can understand. The black man of today, anyone under forty, is incapable of understanding the suffering their ancestors experienced. Their difficulties can never compare to the hardships that have come before. I saw the neighborhoods to which blacks were confined when a was a child. My dad drove us through them. I have spoken to elderly black faithful on occasion in their homes. It doesn’t mean I comprehend their suffering completely, but I am certain capable of understanding that what young blacks experience today would not be called racism by those who have come before. Those before them would see limitless opportunity today. How could I possibly make that claim? you ask. I can make it because I am just as human as any other man or woman on God’s good earth.

When the race mongers and your black lives matter types declare any view but their own valid, when they declare only they can understand, that only they are qualified to comment, they are taking the humanity out of the discourse. And when our humanity is denied, when we deny man’s ability to transcend the material, there is no truth, there is no lie, no compassion, no empathy only survival of the fittest, struggle, turmoil and eternal strife.

It is this condition of turmoil, strife, suffering, and ignorance over our very surroundings, attributed to the fall of man in the Bible, that humanity has been struggling to overcome for thousands of years, if not hundreds of times longer. It was through aspiring to and submitting to the unseen and pursuing absolutes in the world around us that virtue and understanding advanced. Upon these qualities humanity could cooperate and unite around a common good, the natural world could be quantified, analyzed and put to work through our growing knowledge of science.

The United States at one time was the fruit, the crowning glory of the Christian world, of Christian history. It brought never before seen blessings, prosperity and peace to all men throughout the world.

Now warfare and bloodshed around the world are preferable to a supposed United State homogeny. The people’s of the world are being coaxed to surrender their wealth and futures in response to computer models that run contrary to the truth in the name of global warming and saving the earth. The traditional family is optional to the preferred practice of perversions mankind has been attempting to free itself from since the beginning. The unborn are disposable and the world would be better off without us.

And politics? The democrats put forth an incompetent and a criminal as their presidential candidate and have no doubt of her victory. The republicans are more concerned about the desires of the democrats and the press than of those who put them in office. The law applies to some but not to others. The rich get richer and the poor get poorer.

When skin color is all that matters, when what makes us human is denied, when there is no higher authority than oneself there will never be justice. There will never be peace. To deny the humanity of others is to deny your own humanity and all that it entails.

Peace on Earth Goodwill to Men.

Tuesday, November 17, 2015

The Milwaukee Republican Presidential Candidate’s Debate; Issues, Issues, Issues

It is impossible for me to comprehend the horrors that occurred in Paris. I lack the standing to write on the attack directly but will address the problem of Islamo-Fascist Terrorism in future posts.

As a common man here in Milwaukee I had neither the ability to attend the latest republican debate nor to see it on television. I listened, as I have the previous debates, to the debate over local radio.

More important in this debate than how each candidate was perceived as a winner or loser, all that matters to the media, were the issues. Several issues stood out, and the hunger for viable solutions to the ills of this nation in the mind of the common man began to be satiated.

Let me get the overall impressions out of the way first.

Carly Fiorina was expert, precise and always on topic. She implies radical conservative reform in her views on government. Ted Cruz was powerful and clear. His concrete actions to reduce government and government intrusion excited conservatives; and no one would mind getting rid of the Department of Commerce two times over. They were the winners.

Donald Trump, though looking unaware that the Asian trade agreement did not include China, still made powerful points. If Donald Trump, or Ben Carson with his extreme mild mannerisms, suffered any setbacks they were all overcome by their closing statements.

Rand Paul was impressive. He held himself up as top tier, though his foreign policy views still give pause.

John Kasich sounded panicked and Jeb Bush sounded, for the first time, like he believes in something.

Marco Rubio…? Let’s get into the issues.

‘Far more establishment than even he knows.’ It is what I always say about Marco Rubio. Many are fawning over him after this last debate. Marco Rubio’s comments on Putin did not serve him well. Yes, domestically, economically, Putin and the oligarchs are much like a collection of crime families. But Rubio delivered his remark, that Putin is a gangster, as if it were the punch line to a joke.

On the International scene Putin embodies a strong sense of national identity, and pride. Russia under Putin is aggressive and possibly even ruthless, advancing until they meet resistance, however Russia is a legitimate International policy player. Certainly a new administration should not rush to in anyway please Putin, but one will have to work with Putin.

We are a nation of laws and borders. Without adherence to the law and definition of our borders we are not a nation. Excuse my paraphrase of Donald Trumps stance. It was concise and a homerun from where I was sitting. Ted Cruz agreed profoundly and expounded. It was a joy to my heart to hear candidates that truly understand what makes a nation.

Law and order is a profound issue in this nation, from our borders to our inner cities, from a dysfunctional government bureaucracy to a certain candidate in the democrat party.

On taxes Carly Fiorina, Ben Carson Ted Cruz and I believe Rand Paul all present tax plans that bring drastic long overdue foundational reforms to this nations tax policies. It puts them ahead of the others in the minds of the common man. The fare tax candidate did not make the cut.

I believe Donald Trump has absolute faith that when taxes and the cost of doing business are lowered this economy will boom. He is right, but he will still be working with the existing format of tax codes.

A three page tax code; that’s real reform.

Kasich, Marco Rubio and Bush I do not believe can get away from our existing tax code with all its loopholes and intricacies. Though they may say that they will reform the tax code, and I believe they will make improvements in the tax code that will be beneficial to our economy, they are all too establishment to accomplish any true reform. Without true reform tax codes over time will simply regress back to stifling our economy. Candidates have talked the talk on reforming taxes forever. Who has ever done it? Even Ronald Reagan couldn’t simplify the tax code.

Dodd Frank: the sound of its repeal another joy to the mind of the common man. Many a small business, not just small financial institutions will benefit greatly from the repeal of this act of oppression.

Too big to fail? Non of the candidates took a full swing at this issue. I was disappointed all the while saying to myself; “What about the FDIC?” Are we not all insured up to $250,000 dollars if a bank should fail? What ‘little guy’ will be hurt by allowing a bank to fail? Okay, it may take a long time to get that money back, but they will. Okay, a lot of people and businesses far from the top 10% may have holdings far more than $250,000, but too bad for them if they didn’t diversify.

The common man wants the too big to fail. We long for the too big to fail. The common man sees the too big being just as corrupt and incompetent, just as arrogant and overbearing, as the political class.

Marco Rubio…?

There is an issue that will show clearly, if his workings with the gang of eight and his views on immigration have not, that Marco Rubio truly is establishment through and through. That issue is: What will he do after Obamacare is repealed?

As the common man delights in seeing important issues brought forth, issues which have been far from front and center in any debate until now, one unaddressed issue still burns in our minds. What will happen when Obamacare is revealed? Will it be replaced by something just as destructive and oppressive? Is our country on an irreversible slide into absolute servitude where freedom is a forgotten dream?

The common man wants government completely out of healthcare. Simple reforms already proposed by republicans long ago, such as the ability for companies to sell policies across state lines, are needed and will be fruitful for the citizens. But now that government has implanted itself into our healthcare via Obamacare, who can resist this grip on power? They rationalize away the inherent evil in absolute control under the guise that they can do better.

This problem with healthcare will never be resolved as long as we live under the expectation of insurance as prepaid medical. Prepaid medical has only one end; single payer. Only Ben Carson’s plan creates a dynamic where people need not rely on insurance providers. Under his system a well organized family of moderate means could become their own insurance company. Only this plan holds the ability to bring a large enough percentage of the population out from under the control of insurance providers to make a difference in costs. This will open the free market where fewer people are governed by insurance companies and more shop for the best service for the price.

The Ben Carson’s plan abandons the free market by demanding that the government set prices.

Several crucial issues are front and center among our republican candidates. Yet the candidates reluctance to address “Too big to fail!” and a lack of clear scrutiny of “What happens after Obamacare?” leave the common man in an uneasy state.