Thursday, July 23, 2009

Tennessee’s Troubled ‘Public Option’ – TennCare – Could Foreshadow Obama’s Health Care Plan

By Fred Lucas, Staff Writer,Monday, July 20, 2009,CNSNews.com

A government-run health insurance plan is enacted on the promise of increasing competition and bringing down costs, but over the years, as more people leave their private insurance to take the “public option,” the cost to operate the government plan skyrockets.

Various litigation ensues, preventing the government’s attempt to reform or cut benefits. Eventually, dramatic cuts become necessary.

This is not a hypothetical scenario sketched by opponents of the health care overhaul plans working their way through Congress. Rather, it is the case of what happened with a state plan in Tennessee. (Read more)

Commentary

If you are a Tennessean who pays any attention to public affairs you know about TennCare. If you are not, you should learn about it.

TennCare was enacted in 1994. The idea was to create a government health insurance option to compete with private insurance plans. The public option would save so much money that it could serve all of those then on Medicaid and all of the uninsured. Things did not work out that way.

What happened was that consumers shopped for insurance company denial letters so they would be "uninsureable" and could qualify for the cheaper TennCare. Small businesses no longer had an incentive to offer health insurance, they could dump their employees on the public plan. Cost skyrocketed. Enrollment grew to a point that almost a quarter of Tennesseans were on TennCare. To manage TennCare, massive new bureaucracies were created. Thousands of dead people were on the plan, ineligible people, and people from out of state. Litigation kept the state from removing ineligible enrollees or cutting benefits. The cost of the program mushroomed and grew by leaps and bounds and TennCare became the largest item in the state budget. There was no money to spend on anything else, because TennCare gobbled up any additional state revenues.

In 2005, Governor Bredesen overhauled TennCare, set limits on benefits and began reducing the rolls. We currently have something called TennCare but it now more closely resembles the old Medicaid program and is again manageable. If Tennessee could print money like the Federal Government, I suspect we would still have the unoverhauled version of TennCare and it would still be growing.

I do not agree with those who think the status quo is acceptable and we need to do nothing. We do need reform, but not just any reform. We need to take the time to get it right. The nation might could learn something from the Tennessee experiment.

Stumble Upon Toolbar
My Zimbio
Top Stories

Wednesday, July 22, 2009

President Obama: Intimidator in Chief

Obama as The Godfather Bullying CBO

The Wall Street Journal, JULY 22, 2009, 8:20 P.M. ET

The Washington Post recently ran a story quoting Democrats as bragging that President Obama has deliberately patterned his legislative strategy after LBJ’s, circa 1965.This may explain the treatment of Douglas Elmendorf, the director of the supposedly nonpartisan Congressional Budget Office who last week told Congress that you can’t “save” money on health care by having government insure everyone.

For that bit of truth-telling, he was first excoriated by Senate Majority Leader Harry Reid. Then he was summoned, er, invited to the White House for an extraordinary and inappropriate meeting Monday with President Obama and a phalanx of economic and health-care advisers. (Read more)

Comment
Did Obama make him an offer he couldn't refuse? Should Elmendorf take out a very big insurance policy? Does Congress not care that the supposedly independent Congressional Budget Office is being intimidated?

Stumble Upon Toolbar
My Zimbio
Top Stories

Illegals Freed From Dictates Of ObamaCare

By MICHELLE MALKIN, Investors Business Daily, posted Wednesday, July 22, 2009 4:20 PM PT

Big Nanny Democrats want to ration health care for everyone in America — except those who break our immigration laws.

Last week, the House Ways and Means Committee defeated an amendment that would have prevented illegal aliens from using the so-called "public health insurance option." Every Democrat on the panel voted against the measure. (link)

Commentary

I have never joined my conservative brethren in demigoding the immigration issue. Illegal immigrants have falsely been blamed for everything from our crime problem to the housing crisis. My position on immigration is much like that of former President George W. Bush and Senator John McCain; I support comprehensive immigration reform which includes a path to citizenship for those already here. Those who are here illegally should be treated humanly and with dignity and justice. I had a sign in my yard opposing the local ballot referendum to impose "English Only." I thought it was mean spirited and short sighted. To see my various comments on the issue of immigration, simply click on the label "immigration" in the sidebar and you will see that I have been fairly liberal on this issue.

I do, however, think we need to control our borders and disincentivize further illegal immigration. You do not do that by extending free healthcare to those who are here illegally. Expanding free health care to illegals would increase the attractiveness of illegal immigration. Any health care reform should require immigration verification screening of those receiving subsidized or free taxpayer provided health care. The healthcare bill before us not only does not do that, but it specifically exempts illegal immigrants from the mandate to buy health insurance. This preferential treatment given to illegal immigrants is one more reason to oppose Obamacare.

Stumble Upon Toolbar
My Zimbio
Top Stories

The Economy has been rescured!

"We rescued the economy..." White House Chief of Staff Raul Emmanuel, New York Times, July 22, 2009 (link)

"I Don't Believe the Economy Has Been Rescued." House Republican Leader John Boehner (R-OH)




I was really excited today when I discovered that the economy had been rescued. I was looking forward to telling my clients who are about to lose their home and have lost their job that the crisis was over and that good times are here again. I knew the crisis was over because Raul Emmanuel, the President's Chief of Staff said the economy had been rescued. Then, John Boehner had to bring up some contradictory facts and ruin my day.

Stumble Upon Toolbar
My Zimbio
Top Stories

Tuesday, July 21, 2009

Liberty! I'll drink to that.

Mafiaoza'sLiberty on the Rocks, in conjunction with America’s Future Foundation, and the Campaign for Liberty, will be hosting a social night at local libertarian Brett Corrieri’s Mafiaozas Pizzeria. Come by, chat, hang out, talk politics, meet others, network, and have a good time. It’s come-and-go as you please and as always there is no cover charge!

July 23, 2009, 6:00 pm to 9:00 pm
This is such a fun event! There is no opening prayer, no pledge, no treasurer's report, no reading of the minutes of the last meeting, no guest speaker. There is no program and no agenda, no officers and no one in charge. This is just a bunch of right-of-center liberty-loving people getting together to drink and socialize. I have attended three of these events and look forward to my fourth this Thursday. Attendance has been about twenty to twenty-five people. It is on the patio at Mafiaoza's in the 12th Avenue South neighborhood. Mafiaoza's provides delicious hor'devers or pizza and you are responsible for your own drinks. The first hour is happy hour with two-for-one drinks. The group ranges in age from those in their early 20's to those in their late 60's, and with everyone from students to laborers to attorneys. The larger group usually ends up breaking into four or so smaller groups with people floating between the groups. Right of center is still a pretty broad spectrum and interesting discussion and respectful but animated debate is the norm. If you are tired of hanging out with your liberal co-workers or family or people who never talk about anything of substance, come party with some smart like-minded people.

Stumble Upon Toolbar
My Zimbio
Top Stories

laws of physics

From a senior level Chrysler person: Monday morning I attended a breakfast meeting where the speaker/guest was David E. Cole, Chairman of the Center for Automotive Research (CAR), an Engineer with 40+ years automotive experience, full Professor at the Univ. of Michigan. You have all likely heard CAR quoted, or referred to in the auto industry news lately.

Mr. Cole told many stories of the difficulty of working with the folks that the Obama administration has sent to save the auto industry. There have been many meetings where this very experienced automotive expert has had to listen to a newcomer to the industry; someone with zero manufacturing experience, zero auto industry experience, zero business experience, zero finance experience, zero engineering experience, and apparently zero brains tell them how to run their business.

Mr. Cole's favorite story is as follows: There was a team of Obama people speaking to Mr. Cole. They were explaining to Mr. Cole that the auto companies needed to make a car that was electric and liquid natural gas (LNG) with enough combined fuel to go 500 miles, so we wouldn't "need" so many gas stations (A whole other topic).. They were quoting BTU's of LNG and battery life they had looked up on some website. Mr. Cole explained that to do this you would need a trunk FULL of batteries, and a LNG tank as big as a car to make that happen. And that there were problems related to the laws of physics that prevented them from...

The Obama person interrupted and said (and I am quoting here), "These laws of physics? Whose rules are those? We need to change that (while others wrote down the name of the law so they could look it up). We have the Congress, and the administration. We can repeal that law, amend it, or use an executive order to get rid of that problem. That's why we are here, to fix these sort of issues."

Comment: There really is a David E. Cole, Chairman of the Center for Automotive Research (CAR). I found this story on a chat group so I am assuming this is just humor and not a true story but I don't know. It would not surpise me if it is true, but I hope it is not.

Stumble Upon Toolbar
My Zimbio
Top Stories

Monday, July 20, 2009

Global warming: Our best guess is likely wrong

Unknown processes account for much of warming in ancient hot spell

Rice University, July 14, 2009

No one knows exactly how much Earth's climate will warm due to carbon emissions, but a new study this week suggests scientists' best predictions about global warming might be incorrect.

The study, which appears in Nature Geoscience, found that climate models explain only about half of the heating that occurred during a well-documented period of rapid global warming in Earth's ancient past. The study, which was published online today, contains an analysis of published records from a period of rapid climatic warming about 55 million years ago known as the Palaeocene-Eocene thermal maximum, or PETM.

"In a nutshell, theoretical models cannot explain what we observe in the geological record," said oceanographer Gerald Dickens, a co-author of the study and professor of Earth science at Rice University. "There appears to be something fundamentally wrong with the way temperature and carbon are linked in climate models."

During the PETM, for reasons that are still unknown, the amount of carbon in Earth's atmosphere rose rapidly. For this reason, the PETM, which has been identified in hundreds of sediment core samples worldwide, is probably the best ancient climate analogue for present-day Earth.

In addition to rapidly rising levels of atmospheric carbon, global surface temperatures rose dramatically during the PETM. Average temperatures worldwide rose by about 7 degrees Celsius -- about 13 degrees Fahrenheit -- in the relatively short geological span of about 10,000 years.

Many of the findings come from studies of core samples drilled from the deep seafloor over the past two decades. When oceanographers study these samples, they can see changes in the carbon cycle during the PETM.

"You go along a core and everything's the same, the same, the same, and then suddenly you pass this time line and the carbon chemistry is completely different," Dickens said. "This has been documented time and again at sites all over the world."

Based on findings related to oceanic acidity levels during the PETM and on calculations about the cycling of carbon among the oceans, air, plants and soil, Dickens and co-authors Richard Zeebe of the University of Hawaii and James Zachos of the University of California-Santa Cruz determined that the level of carbon dioxide in the atmosphere increased by about 70 percent during the PETM.

That's significant because it does not represent a doubling of atmospheric carbon dioxide. Since the start of the industrial revolution, carbon dioxide levels are believed to have risen by about one-third, largely due to the burning of fossil fuels. If present rates of fossil-fuel consumption continue, the doubling of carbon dioxide from fossil fuels will occur sometime within the next century or two.

Doubling of atmospheric carbon dioxide is an oft-talked-about threshold, and today's climate models include accepted values for the climate's sensitivity to doubling. Using these accepted values and the PETM carbon data, the researchers found that the models could only explain about half of the warming that Earth experienced 55 million years ago.

The conclusion, Dickens said, is that something other than carbon dioxide caused much of the heating during the PETM. "Some feedback loop or other processes that aren't accounted for in these models -- the same ones used by the IPCC for current best estimates of 21st Century warming -- caused a substantial portion of the warming that occurred during the PETM."

Commentary

I found this interesting. Much of the scepticism about global warming comes from sources with little credibility. Despite the claim that thousands of scientist discount global warming theory, a close look at those "scientist" reveals that many of them are scientist in fields not related to the study of climate change and many of them have a weak claim to being called scientist. A "climatologist" may be nothing more than a TV weather man.

Rice University is a highly respected institution with a very high level of research activity. Nature Geoscience is peer reviewed journal. Recently there have been more and more legitimate, credentialed, scientist questioning the theory and modeling that produced the conclusions regarding global warming. I do not think all sceptics of global warming theory can be dismissed as quacks and politically motivated hacks.

I was once a global warming sceptic myself and then a few years ago I was persuaded by the preponderance of the evidence that the majority scientific opinion was correct. (See my post, My Conversion on Global Warming.) Despite the constant drumbeat from the right that global warming is nothing more than a convenient excuse to destroy free enterprise, individual liberty, and expand government , I have not been persuaded that the scientific consensus was not correct. The majority scientific opinion is still that global warming is a reality and is man made. That is the view that I accept. However, I am less sure in my conviction than I was six months ago. If new evidence presents itself, my mind is not closed to new information. Opinions about global warming should not be a matter of faith or ideology for the believers or the sceptics.

Stumble Upon Toolbar
My Zimbio
Top Stories

Saturday, July 18, 2009

If you think healthcare is expensive now, wait until it is free.

The Congressional Budget Office (CBO) yesterday released its cost estimate on the House Democrats’ health care proposal and found that it will deepen the federal budget deficit by $239 billion over the next 10 years. To read this report for yourself follow this link. (link) Do people not think that the deficit is real money? Who do they think will pay the deficit? It will be paid for through taxes or through inflation.

Concern grows that healthcare overhaul won't cut costs
Even supporters of Obama's plan to overhaul the system worry that it's not focused enough on escalating medical bills, both for patients and for employers.

Los Angeles Times, By Noam N. Levey, July 13, 2009

Reporting from Washington -- Although still publicly beating the drums for President Obama's healthcare overhaul, representatives of some of the biggest players are beginning to express concern behind the scenes that it won't do enough about the major problem: runaway medical costs. (link)

Wrong Way on Health 'Reform'

By Robert J. Samuelson, Washington Post, Monday, June 15, 2009

The central cause of runaway health spending is clear. Hospitals and doctors are paid mostly on a fee-for-service basis and reimbursed by insurance, either private or governmental. The open-ended payment system encourages doctors and hospitals to provide more services -- and patients to expect them. It also favors new medical technologies, which are made profitable by heavy use. Unfortunately, what pleases providers and patients individually hurts the nation as a whole.

That's the crux of the health-care dilemma, and Obama hasn't confronted it. His emphasis on controlling costs is cosmetic. The main aim of health-care "reform" being fashioned in Congress is to provide insurance to most of the 46 million uncovered Americans. This is popular and seems the moral thing to do. After all, hardly anyone wants to be without insurance. But the extra coverage might actually worsen the spending problem. (link)

Stumble Upon Toolbar
My Zimbio
Top Stories

Friday, July 17, 2009

Al Gore, Bill Clinton and Barack Obama go to heaven

Al Gore, Bill Clinton and Barack Obama go to heaven. God addresses Al first and says, "Al, what to you believe in?"

Al says, "Well, I believe I won that election, but it was your will that I not serve. And I've come to understand that now."

God thinks for a minute and says, "Very good. Come sit at my left."

God then addresses Bill. "Bill, what do you believe in?"

"I've sinned," says Bill, "but I have never held a grudge against my fellow man and I hope no grudges are held against me."

God thinks for a second and says, "You are forgiven, my son. Come, sit at my right."

Then God addresses Barack. "Barack, what do you believe in?"

He replies, "I believe you're in my chair."

Stumble Upon Toolbar
My Zimbio
Top Stories

Monday, July 13, 2009

Liberals go ballistic over Obama-Hitler comparison

Below is the video produced by Our Country Pac that is making liberals go ballistic. Daily Kos, AlterNet, Salon.com, The Village Voice, and every other left of center blog and chat group out there is denouncing this video. Here is what all the fuss is about.



In my lifetime, I have never been more concerned about the direction our country is heading than I am right now. The massive expansion of the Federal Government, the nationalization of sectors of the economy, and the ballooning unprecedented federal deficit greatly concern me. I feel my freedom is threatened when the Obama Department of Homeland Security creates a terrorist profile that I fit. When we have one party rule and a Congress that passes 1200 page bills that no one has read and they are pushed through without anyone having a change to read, I am deeply concerned. Despite my concerns, the Cult of Obama, and a lap dog press that is no more than props for the administration I, nevertheless, think that this video is unnecessarily provocative. One may express concern about the direction our country is headed and legitimately criticize President Obama without using comparisons to Hitler. I think the video is in poor taste.

Before liberals completely blow their top however, they should recall that many on the left routinely compared George W. Bush to Hitler. For a little balance to the above video here is one produced by MoveOn.com.

Stumble Upon Toolbar
My Zimbio
Top Stories

What a property reappraisal means to you

July 13, 2009

Dear Rod,

FACTS:

Davidson County properties are reappraised every 4 years (Most recent: 1/1/09)
Residential properties are assessed on 25% of the appraised value. Commercial = 40%
2008 Certified Tax Rate: $4.69 per $100 of assessed value
2009 Certified Tax Rate: $4.13 per $100 of assessed value
Even though your recent property appraisal increased, your 2009 taxes may or may NOT...
I can explain!!!

Mayor Dean has already stated that he will not raise property taxes in Davidson County this year . BUT you may be wondering what exactly it means considering your recent Metro property appraisal / assessment more than likely increased from its 2005 value.

First, by state law, Metro cannot increase the Property Tax Income “BASE” by increasing the property values (as an aggregate). By this it means that the new Certified Tax Rate adjusted down according to the overall “new” aggregate values of all properties in the county…

Clear as mud? Well, here’s how it works:

EXAMPLE:

$200,000 Residential Property Value (2005-2008): Your 2008 taxes were $2345.

New 2009 Value = $230,000 (15% increase): Your 2009 taxes will be $2375

Calculation Method: $230,000 x 25% = $57,500 (assessed value) x .0413 (new certified rate) = $2375

Basically if your property’s new appraised value went up 15% or less, you’ll likely have a tax decrease or no change at all. If it went up more than 15%, you’ll have a tax increase but not as much as you may have first thought.. Of course it depends on the area of town your property is located... Location! Location! Location!

As always, my goal is to be your complete real estate resource. If you have any questions, please do not hesitate to email, call or text.

Sincerely,
Brian Taylor

Comment: I received this today from a local realtor. I am simply reposting this to help educate. I hear many people who are confused about the effect of a property reappraisal. They either do not understand or do not want to understand. A reappraisal does not mean you will have a property tax increase. On a local chat group I belong to, many people decry property reappraisals and many complain that in a period of declining property values that we should not have a reappraisal. Unfortunately, some anti-tax advocates demigod the issue and add to the confusion. Brain does a good job of explaining how a reappraisal works so rather than compose my own explanation, I am simply reposting his.

Reappraisals are necessary for "equalization." If your property was previously of equal value to a property in another part of town but your property went down in value while that other property went up in value then you should pay less property tax than the owner of that other property. The only way to determine that is by a reappraisal.

Another reason we have to have regular reappraisals is because a lot of state dollars, especially state money to support education is distributed by a formula that includes the local "ability to pay." To equalize educational opportunity across the state, poor counties get more state funding than more affluent counties. Until sometimes in the 70's there was no state supervision of the appraisal process and there was an incentive for counties to keep appraisals low. The poorer a county appeared, the more state funding they received. Since the 70's property appraisals are supervised by the state and the people who work for the tax assessors office have to be trained professionals who appraise property at fair market value.

Everyone likes to complain about taxes, and I am generally an advocate of low taxes. Nevertheless, the truth matters and property reappraisals are fair and necessary. If you have a valid reason to think the county overvalued your property, there is an appeals process. Unless you have comparable sales to show your property was overvalued however, you are probably wasting your time in appealing. It is my experience that most tax appraisals are still a little on the low side despite the requirement that they be appraised at fair market value.

Often a reappraisal is used as an opportunity for a local governing body to slip in a tax increase. Immediately after adopting a new "certified tax rate" as required by state law, the county commission or city council will immediately, often in the same meeting, turn around and increase the tax rate. The new tax rate is often the same as the old tax rate before adopting the new "certified tax rate." When elected officials do this they can claim they did not vote to increase the tax rate and may technically be telling the truth depending on how they word their claim. Most people don't know enough about how thing really work in order to challenge their elected representative on this claim. These elected officials will let the public think that the tax increase was due to the recent reappraisal. I applaud Mayor Dean for not pledging not to raise taxes this year.

If you do have a property tax increase due to the reappraisal, it is because your wealth increased; it is because your property increased in value more than the average property. If that is the case, you are fortunate and you want get much sympathy from me.

Stumble Upon Toolbar
My Zimbio
Top Stories

Sunday, July 12, 2009

Bob Corker for President!

Bob Corker

I nominate Bob Corker for President of the United States! I like his gutsy, feisty manner combined with a calm demeanor, his grasp of the issues, his well-reasoned arguments and his principled, conservative, pragmatic, business-like, problem-solving approach to government.

In the auto bailout debate, I thought he was by far the most persuasive and passionate critic of the government’s defacto nationalization of General Motors. He clearly defined the issues when he declared, “This is a marked departure from the past, truly breathtaking, and should send a chill through all Americans who believe in free enterprise. I worry that in one fell swoop we’ve lost our moral high ground throughout the global community as it relates to chastising other countries that use strong arm tactics to invade on private property rights.” (link)

He was prophetic when he said, “it will be interesting to see if the administration makes these decisions (to close GM facilities) based on a red state and blue state strategy or based on efficiency and capable, skilled workers at each plant. If they use the latter, our GM plant in Spring Hill, Tennessee should do very well.” As it turns out Saturn was closed despite being a state of the art production facility.

Last year as I watched the Senate hearings on the Lieberman-Warner Cap and Trade bill, I was stuck by Corker’s grasp of the issues and by his logic. He did not simply deny the science of global warming and propose doing nothing as many opponents of Cap and Trade have done. He did not demigod the proposed bill, but calmly and clearly explained how cap and trade would work and what was wrong with the Lieberman-Warner approach and why it would not achieve its objectives and the damage it would do to the economy. He proposed common sense amendments to try to fix the bill. (link) On these two issues I have thought Corker excelled and was the voice of reason and principle.

I don’t personally know Bob Corker, but I have known about him for a very long time, even before he was ever elected to public office. As one who works in the affordable housing sector, I have followed closely affordable housing issues. Bob Corker has been a leader in this field. I admit to being a “bleeding-heart conservative.” I think that term was first used by Jack Kemp to describe himself but it applies to me and I suspect Bob Corker is also a bleeding-heart conservative. There are not many conservatives who are passionate about affordable housing, but Bob Corker has been an affordable housing leader.

In Chattanooga, while a private citizen, Bob Corker helped finance and create and manage Chattanooga Neighborhood Enterprise (CNE). a private, non-profit corporation created to finance and develop affordable housing in that city. CNE financed, rehabilitated, or produced more than 3,000 units of affordable housing in a city of 150,000 people. CNE leveraged more dollars and did more with limited resources than any city in America. CNE won awards and was the envy of affordable housing advocates across America. Bob Corker came as close to solving the affordable housing problem in Chattanooga, as it is possible to get. (link)

Bob Corker served as mayor of Chattanooga from 2001 to 2005. As mayor he oversaw a $120 million urban renovation project, which transformed the city and made it the beautiful progressive city it is today. He was innovative in the use of property assessment freezes and tax credit financing to promote downtown development. His policies led to the development of the waterfront and spurred housing development in the city and expansion of museums and the riverfront park and the Chattanooga Aquarium. Chattanooga has emerged as a great city and most people give Bob Corker the bulk of the credit.

In addition to Corker’s record in the Senate, and as Mayor, and a leader in affordable housing, another thing I like about Corker is that he has been a successful businessman. He worked himself up from a construction superintendent to the owner of a very large construction company and a real estate developer. Unlike a lot of politician, he has experience in the real world. He has had to make payroll and examine balance sheets and put deals together, and manage big projects, something most elected politicians including the current President of the United States has never had to do.

With the falling by the wayside of some rising stars in the Republican Party, the nomination should be wide open. Quite frankly, I am not impressed by any of the front runners for the Party standard bearer. I am looking for someone fresh, innovative, energetic, pragmatic, intelligent and who is a principled conservative. I think that person is Bob Corker.

If Bob Corker will announce the establishment of an exploratory committee to consider running for President, I will sign up and send him $100 immediately. If I, a modest income, frugal, middle class guy will open my wallet, there must be a lot of others who will do the same. I know a campaign for President is expensive, but Bob Corker should be able to compete. Tennessee has a lot of big contributor's to the Republican Party. I understand that the Belle Meade zip code here in Nashville is the leading zip code in the nation for political contributions to Republican candidates. With the Tennessee Republican money base and Bob’s years of contacts in the business community and politics, he should be able to raise the money.

Bob, the stars are aligned. The time is right. There may never be a better opportunity. The country needs you. Run Bob, Run!

Stumble Upon Toolbar
My Zimbio
Top Stories