Does Washington Really Understand Health Insurance?
I have written several blogs on the subject of health insurance and efforts being made in Washington to reform healthcare. I have even advocated for regulating the health insurance industry in the effort to make it more available to the people that really need it by eliminating rejections for pre-existing conditions. Sounds like something almost everyone can [...]
Interest Payments on Debt Affecting American’s Financial Futures.
How many of us stop and think about how much interest we pay on mortgages, student loans, auto loans and balances on credit cards over our lifetimes. More importantly, do we realize how the amount of interest we pay over a 30 or 40 year period is affecting our accumulated savings for retirement years.
Although it appears there is a [...]
Regulating Private Health Insurance
I need some clarifications Mr. President. First, you want the health insurance companies to accept everyone regardless of any pre-existing conditions. Second, once they are insured, they cannot be denied coverage for anything and lastly the policy must include all wellness benefits like office visits and regularly scheduled exams and tests.
Ok, lets just say for a minute that [...]
Labor Day-Our Future Economy
As another Labor Day is upon us, many of us are apprehensive about our jobs and professional futures. Will the economy actually turn around or will it just be more of the same? It seems we are living in a constant state of economic stagnation with no real vision of what or how the economy [...]
Regulate Healthcare Insurance Industry
Most Americans agree that healthcare should be available in some form to all its citizens as a human right much like we agreed back in the 1930’s that Americans should be able to retire with some income hence Social Security. The concept of the Social Security Trust Fund, where it was to be funding through payroll taxes over [...]
A National Health Insurance Plan Needs to Separate Day to Day Medical Expense from Catastrophic Medical Expense
Almost everyone in the United States now thinks health insurance should cover everything from day to day office visits and prescriptions all the way to cosmetic surgery and heart transplants. HMO’s have programmed everyone to think that way because of their total Wellness type health care programs. These things are great but have become tremendously [...]
Separating Wellness from Catastrophic Health Care.
What do most people think of when they describe their ”Health Insurance”? To the majority of Americans that still have employer paid health insurance premiums, it means never having to see a bill for almost everything. 100% coverage for office visits, small co-pays on prescriptions, scheduled tests for early detection, and even nutrition and exercise programs for the [...]
Best Way to Save Money Is Through Interest Cancellation
It appears either by choice or necessity, Americans are starting to save more money. In May 2009, the government reported the savings rate had jumped to 6.9% over the previous year but also noted that April of 2009 the savings rate was still zero. Savings rate is defined as personal income minus spending.
It is too early to [...]
Discretionary Law Enforcement
Have law enforcement entities always enforced some laws and turned a blind eye to others or has this become the norm due the discretionary law enforcement behavior when it comes to immigration laws? When some laws are enforced and others are not, doesn’t it become discriminitory against the people that are held to the rule [...]
Thousands of U.S. Military trainees waterboarded during Viet Nam era.
With all the debate going on about waterboarding being torture, it brings up memories of my own experiences during advanced combat training at survival school at Widbey Island in Washington State in 1968.
During this five day survival, escape and evade and POW internment training, we were exposed to a whole array of mental and physical [...]