The lone constant

Please indulge me a few questions. It won’t take too long.

If you worked with someone who repeatedly was in verbal, text, email and twitter fights with other people, what would be your observation?

If the other people who had dust ups with this person included customers, colleagues, third parties, and the media, what would you conclude?

If you spoke with previous employers and found the same was true at their locations, what might you ascertain?

If you investigated further and found out the stories keep changing when new information is revealed, does that paint a better picture of the person?

If the person was found to be less than truthful on many more than a few occasions, would that help you understand the situation? What if it was apparent the lying was more routine?

If the person repeatedly failed to admit when he wronged someone and it was never his fault, does that convince you of something?

The key conclusion is there seems to be a lone constant in these equations. It would appear the person is of little character and is hard to get along with.

If you were his colleague, you would choose to limit contact with this person and you would document everything for verification. An email saying “this is what you agreed to” would help in that regard.

If you were a customer, you would request a new contact or change providers of service.

If you were a third party, a senior person at your firm might call a senior person at his firm to register concerns.

If you were the media, you would get information from a better, more reliable source.

If you were his boss, you would have long ago put him on an improvement plan, perhaps several. At some point, you would ask him to leave or get him to leave. My guess is his ego would be bruised by the first improvement plan and he would leave. He would tell his new employer that his previous one did not appreciate him enough.

The person who I am obviously talking about is in the position of the President of the United States. He is being investigated for collusion with the Russians, which may lead to his demise. More than a few psychiatrists think he may be unfit for office. In the interim, we are stuck with his actions noted above. Maybe the first step is a censure, which would be Congress’ performance improvement plan.

A survey reports that 42% of Americans want this man impeached and 15% want him censured. That is an absolutely amazing statement that 57% feel he is worthy of some formal repudiation, with almost half saying he should be removed.

 

 

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The President almost did something good, then…

People need to know that our President is not big into details, nor does he care to be. He is not very conversant on healthcare or the Affordable Care Act, for example. Yet, he almost slipped up and accomplished something good. Alas, he changed his position within 24 hours.

Just last week, he signed two executive orders to help healthcare in the US. Neither order would be very helpful and both will cause premiums to go up under the ACA. In fact, he said if we eliminate the subsidies for deductibles, co-pays and co-insurance on people making less than 2 1/2 the poverty level it would just hurt the insurer’s profits. That simply is not true, as our deficit would go up by $20 Billion per annum and people without subsidies would see premium increases.

But, while this was going on, Senator Chuck Schumer kept telling him about the bipartisan effort of Senators Lamar Alexander and Patty Murray that would stabilize and improve the ACA. Their efforts would restore the subsidies that Trump wanted to do away with. Insurers were pricing 2018 premiums higher sans these subsidies,

Trump encouraged Alexander while Schumer did the same with Murray. The President actually did the right thing, as Alexander and Murray were going about their business in the right way with hearings and committe meetings. This is how legislation should be done, which has been lost on our two Congress chamber leaders.

When Alexander/ Murray announced they reached agreement, the President was supportive. Alexander actually thanked the President for his role in making it happen. Yet, just after Alexander called to thank him, Trump changed his mind and now does not support it. Less than 24 hours had elapsed.

Of course, his support may change and Alexander/ Murray are not done yet, but Trump had a chance to take credit for helping Americans. This could have been a helpful major piece of legislation, which is missing from his tenure. Alas, he realized he would be helping the ACA and he had to destroy it. That is what he promised to his base. While imperfect, the ACA is not broken, but it does need improvements. If it eventually fails, it is on this President and Congress’ shoulders.

My former party does not know much about healthcare

The Graham-Cassidy Bill seems to be on its last legs, but these bills are like Jason – just when you think you kill the serial killer, he remains alive. This latest effort may be the worst bill by my former party, which I left in 2006. It is apparent to me that Republican leaders don’t know much about healthcare and don’t care to know or take the time to know. That includes the man in the White House who just wants to sign something that negates something Obama did. “Who knew healthcare could be so complicated?” he asked earlier in the year. The answer “Everyone, but you.”

Every bill either put forth by the Senate this year or passed by the House has been scored poorly by the Congressional Budget Office (CBO), has been not appreciated in polls and has been denigrated by medical and hospital associations. Not involving women, Democrats, experts and due process in the planning revealed a haphazard approach to legislation.The Graham-Cassidy Bill is the worst of the bunch as it places the burden, and eventually all of the financing, on the states. In a nutshell, the bill says we cannot figure this out, so we are punting it to you.

In addition to the tens of millions of Americans negatively affected by these bills, if passed, the authors make a concerted effort to kick people in poverty and near-poverty in the teeth. Since we have a poverty problem in America, these bills are especially cold-hearted. And, Graham-Cassidy gives states the right to do away with pre-existing conditions, which was incorrectly refuted by Cassidy after being called on the carpet by Jimmy Kimmel. Seeing protestors in wheel chairs at the Senate was telling.

Further, I have shared with Senators, Congressional Representatives and the White House, these bills would be dilutive to the economy. Standard & Poor said yesterday in their global report the Graham-Cassidy would harm the American economy by $240 Billion through 2027 and cause 580,000 job losses. In a nutshell, when people in need no longer have insurance, the trade-off becomes between food/ rent and medicine. So, less is spent in the market place which dilutes the economy.

Yet, let me emphasize one thing that has been raised by more than a few state Medicaid Directors and Governors. Building a new healthcare delivery system will take longer than the time given. In my view, it will take longer than even these folks are thinking about. In business and government, leaders tend to vastly underestimate the complexity to set-up administration of things. As President Obama found out, setting up healthcare exchanges was hard and initially failed to deliver.

This is an important observation about the Affordable Care Act. It is in place. It is not in a death spiral and it is not broken. From the lens of fewer uninsured, it has been successful. Yet, it needs improvements, but first it needs to be stabilized. Part of the reason for the latter is the GOP’s efforts to hamstring its success by defunding subsidies for adverse selection to insurers. Coupled with slow funding of other subsidies, nineteen states who did not expand Medicaid and general naysaying, the law has not been given full opportunity to be successful.

So, this retired benefits actuary, consultant and manager recommends the ACA be stabilized under some version of the bipartisan Alexander/ Murray Bill. Then all members of Congress can spend more detailed and thoughtful time in deciding how healthcare can be delivered going forward. My recommendation is they improve the ACA.

Coastal collaborations

One good, one bad. One founded on truth, one founded to perpetuate a lie. Two recent articles in The Charlotte Observer shed a spotlight on the coastal threat of man-influenced climate change and these two collaborations.

First, the bad. North Carolina realtors who sell coastal properties have banded together to fight those who want to plan for climate change induced sea rise. They have successfully lobbied the passage of a law in the General Assembly that repeals the requirement that builders reflect the impact of climate change on their structures and placement.

This adversarial relationship with science has followed a history of the GOP led General Assembly toward climate change. The more memorable moment was the General Assembly’s refusal to accept a peer reviewed scientific report that said sea levels would rise by 39 inches by the end of the century, accepting one that looked backwards limiting the increase to 8 inches. The former report had been accepted by Virginia and Louisiana. Stephen Colbert ridiculed the NCGA on one of his shows for the absurdity in NC.

Realtors are supposed to tell the truth, although there are some who embellish too much. Yet, to try to hold back the ocean with paperwork is not good business. When leaders hide the truth, people suffer. I encourage buyers to do research with reputable sources, including their ability to insure their potential properties. Owners on NC’s Bald Head Island realized the hard way what happens when property is built too close and without buffers.

Now, the good. In response to an executive order by the current White House incumbent to do seismic testing in advance of offshore oil development off our Atlantic Coast, a building bipartisan coalition has formed. Six coastal states’ governors (two Republican) have joined with numerous mayors and business people to fight this oil exploration.

They estimate the coastal tourism business is about $95 Billion per year. Then, there is the fishing industry which is exposed. And, we should not lose sight of homebuyers who want to retire or have property near the ocean. It should be noted that the Florida and Georgia governors are silent on these issues, which is viewed as a positive by this group.

Climate change is a real threat that is no longer futuristic. Miami is the most at risk city in the world in terms of assets and sees daily flooding even without hurricanes. The latter are now more severe  in strength, while droughts and forest fires are more in number and extremity. These are predicted in climate change models.

I am disappointed in these coastal realtors, the NC General Assembly and the White House. Ignoring scientific experts on this topic puts people in harm’s way. We must plan accordingly. I praise highly the courage and wisdom of these governors, mayors and business people. They see climate change as a threat and offshore fossil fuel development as a risk.

Do complete that survey

Since I live in the suburbs and am an Independent voter, I receive all kinds of surveys, usually quite biased in nature. This afternoon I received one on the Trump Agenda from the Republican National Conmmittee.

I did what I have done previously, filling it out and making comments in the margins. For example, the top priorities are listed and I was asked to rank them, with only one place for an “other.” Frankly, several things are included which should not be done at all or greatly over-simplify a complex issue. And, other needs are not even mentioned, a problem I remedied with several “other issues.”

But, what I also did was what I would encourage others to do, if given the chance. I wrote that Congress needs to censure this President for his recent remarks on white supremacists and neo-Nazis and actions unbecoming the office. I also mentioned that Congress may need to consider impeachment if the Russian investigation reveals what I fear.

Use these vehicles to communicate. My guess is I am not the only one who did this. Right now, the incumbent in the White House has diminished and defamed to office. We need to share our voice to say we demand honor, morality and leadership from our President, none of which we are getting from this man.

It is all about the money

People want your money. Some want it through legitimate marketing means doing a good job for as many customers as possible. Some embellish their story overselling their wares with terms like “new and improved.” And, there are those who do anything to get your money lying, cheating, causing fear, extorting, etc. I will stop of short of people who steal it outright. It is the category above thief that concerns me given their reach.

John Oliver on his show “Last Week Tonight,” offers some of the best reporting on subjects as he focuses his comedic lens at the hypocrisy and inanity. He did an excellent piece on con artists disguised as televangelists as they artfully and persistently bilk their followers under the guise of a “prosperity ministry.” The only people getting rich is the one talking not the many listening.

Yet, his show this past Sunday night illuminated me to another con artist bilking people for money – none other than Alex Jones of Infowars. I am well aware of Jones’ inane and provocative conspiracy stories – Sandy Hook shooting being a hoax as one of his more famous ones. What I did not know is how Jones uses his show to raise money for his main cause – his own wealth. And, with 6 million followers, he does quite nicely.

Oliver illustrated the number of high margin products offered as sidebar commercials on Jones’ four hour show. Oliver showed examples where certain products peddled by Jones could be bought for 1/10 the price. Plus, Jones uses a so-called medical expert, with purported numerous degrees, including one from MIT, to help him sell his medicinal wares. As Oliver pointed out, the expert has no such degrees.

A great example of Jones’ selling style illustrated by Oliver demonstrates how it works. Jones went on a long rant about how the government was making us all gay by putting feminine hormones in the water system. So, the next day after raising alarm, Jones pitched a water purification system that will rid your water of all unwanted chemicals and hormones. He scares you first, then he sells you a cure or a solution.

So, in addition to being a conspiracy crazed shock jock, at the heart of the show is another description of what Alex Jones is all about. As demonstrated by Oliver, Jones is an astute con artist.

The President and Congress own Obamacare

I have written often about the imperfect Affordable Care Act and ways to improve it. I have written often about the Republicans role in sabatoging the ACA making premiums even higher by not funding promised payments to insurers for adverse selection as well as naysaying the law and not expanding Medicaid in 19 states.

This sabatoge continues under this President who says the ACA is in a death spiral. It is hurting in many areas, but stabilizing in others. He said he wants to let it implode and then fix it.

Mr. President, that is not good enough. You are threatening to cease further promised payments to insurance companies which will harm people. You see, what you and Congress fail to realize is you own Obamacare. If it fails, it is on your watch. And, to be frank the significant majority of Americans and the press do not recognize the role you played in hamstringing the imperfect law.

My strong advice is to do what is necessary thinking of its patients and users. Those Americans out there deserve your best efforts to help them. Watching the ACA fail after you greased the skids is extremely poor form and uncaring. It is that simple. Fix the ACA. That is what is done to laws that need it to help people.