Media – focus more on the problems needing solving and less on who wins

The main stream media is doing a better job on focusing on the issues, but they still have a bias toward conflict. Who wins and loses based on the airing of an issue or problem is covered way too much for my taste. The end result is problems and their many causes do not get addressed or are oversimplified, so they go unsolved.

The dilemma is we citizens lose. The focus must be on the issues rather than who benefits from whatever hits a news cycle. Substance matters more than image. Here are a few examples to digest.

We have a poverty problem in the US. It is not just a declining middle class. Too many are living beneath paycheck to paycheck or are one paycheck away from being in trouble. The United Nations just released a report that confirms the US has a poverty problem citing numerous examples and numbers. Instead of asking lawmakers what are we doing about it, the media focused on the Trump administration admonishing the UN for the report. The problem exists whether or not it makes Trump look bad, as it took decades to decline to this point. Addressing poverty is more important.

We have a significant and growing debt problem that has been made worse by the Tax law passed in December. The economy was already doing pretty good with a long growth period. Yet, rather than address our debt, we borrowed more from our future. This malfeasance must be highlighted. Yet, most of the focus is on the economy doing well and its impact on the midterm election. Note the economy would have done well without the tax change, but we have a day of reckoning coming that will require more revenue and less spending. What are we going to do about it now, especially with a good economy?

The Affordable Care Act has needed improvements and stabilization for some time. The American public favors this as do lawmakers from both parties. Yet, the media focuses too much on the political  impact of an ACA that could be doing better. Not only has the party in power not helped the ACA, they have sabotaged it making premiums go up even more. As I see it, the President and GOP own the ACA. Letting premiums go up hurts Americans. If the ACA fails, our poverty problem will get even worse and the economy will suffer.

Issues like immigration, climate change, water shortages, tariffs, exiting international agreements, eg, all need to be focused on. We need to drill down on what makes sense in a data driven and reasonable manner. Attempting to resolve issues based on optics of winning or losing won’t solve anything. And, that is what our President and legislators seem to be more interested in.

So, media please start asking our leaders what they plan on doing about these problems and asking them to explain why certain measures don’t seem to be helpful.  And, leaders stop worrying about keeping your job and start doing your job.

Advertisements

A few select statements

A counterpoint response to my comment that the President needs to tell the truth more than he does not, might be “all politicians lie.” Yes, they do, but he laps the field at a 69% rate of untruthfulness per Politifacts.  But, he also makes decisions off his supporting lies.

One that gives me concern is “You can win a trade war.” History has shown this not to be true and we will soon be finding out as Canada just added their retributive tariffs to those of the EU and China. By the way, the lone constant in these three tariffs is the US. The impact is already showing up in economic decisions by companies,

Today he said “the tax cut is the reason for our economic miracle.” That is a stretch in that we are completing 108 consecutive months of economic growth today, which is the second longest in US history. He has only been President for a little more than 17 months and the tax cut has only been in effect for 6 months. As for the long term, I am worried about the tax cut increasing our huge and increasing debt. To be frank, the tax cut will help some short term, but hurt us in the long run.

Yesterday, he noted again “Russia said they did not meddle in our election,” to me implying his tacit support. But, the US intelligence asserts with high confidence that not only Russia did, but the Trump campaign benefited from it. Plus, they said the Russians are still influencing opinion and sowing seeds of discord. The question we must ask is why? Why say this? Why let it go on? Why is Congress not more assertive to get to the bottom of this? Why do you people believe him when he calls the investigation a witch hunt?

Finally, the Affordable Care Act is in need of stabilization and select improvements. Instead, it has been sabotaged at the expense of Americans, once by Congress in 2015 and just last summer by the President. When he defunded payments to insurers for copays and deductibles for families making less than 2 1/2 x poverty limit, he said “it would only impact insurer profits.” That is simply untrue. The CBO noted that the impact would increase the debt by $10 Billion. Why? As insurers raise premiums as a result of picking up this unfunded tab, the premium subsidies would climb by $10 Billion. That means it effects taxpayers by that amount.

The sad truth is there are numerous instances where lies and oversimplified problems and solutions have caused policy decisions. It is hard enough to solve problems when we use facts. It is nigh impossible when we don’t. The truth matters.

 

 

 

 

 

Medical Marijuana Continues Growth

A topic which continues to build in momentum is medical marijuana. In the US, twenty-nine states and the District of Columbia have legalized marijuana for at least medical purposes. And, Canada just passed a law effective in October allowing the legal personal use of marijuana by those over age 18,

Time Magazine has issued a Special Edition called “Marijuana – The Medical Movement.” It is an excellent summary of its history and current uses. It notes the National Academies of Science, Engineering and Medicine published their findings in January, 2017 citing marijuana is a therapy for a number of ailments, but especially pain.

Yet, this is not new, as history reveals marijuana showing up as a treatment in China 4,000 years ago, India and Greece around 50 AD and in England and Ireland in the 1600s. It was prescribed in the US until the movie “Reefer Madness” focused on its psychotic influence in the 1930s.

Today, the tide has turned in its favor with over 90% of Americans supporting it for medical purposes. From epileptic seizures to CTE to Crohn’s to Chemotherapy to MS, people have indicated how it has helped them with their issues. But, its main benefit has been with pain as a replacement for or in lieu of opioids.

I have a relative who has been able to get off all pain medication by using a cannabis oil from which he creates a salve. Rubbing it directly into the skin has helped him not only with the pain, but regaining his ability to speak and think more lucidly sans opioids. Suffice it to say, after several car accidents, he was in a bad way. The impact is quite noticeable.

This topic is worthy of serious discussion. The opioid epidemic is truly a national crisis. Medical marijuana is not a panacea, but it will help with this and other issues. It has already passed a tipping point. We just need to check previous conceptions and look at it with both new and much older lenses.

This zero-sum discourse needs to stop

What does zero-sum discourse mean? It means framing topics in terms of who wins and who loses. I fault politicians, pundits and reporters for this mindset. This mindset preceded the current White House incumbent, but he views most everything through a very short-term transactional lens. Did I win?

The dilemma in discussing who wins and loses on actions, speeches or tweets is it takes the focus away from the issues. Does this decision help or hurt the people, environment or region?

I heard a news discussion on whether the US pulling out of the Iran nuclear deal helps or hurts Trump’s image? That is the wrong question among many better questions. Does it make the US safer? Does it make the world safer? Are we harming our relationships with our allies? Are we making a fact based decision as other leaders are questioning the veracity of this decision? And, so on.

Whether it is healthcare, debt, taxes, environment, financial protection, etc., I do not care who wins or loses politically. When people care too much about winning or losing, I can tell you who gets screwed – it is the people they represent.

Americans want Congress to address healthcare, with the majority saying to fix Obamacare. Instead, the President and leaders in Congress have sabotaged it over the past three years making premiums even higher. They want to see it politically fail while screwing American people.

I am tired of the lack of collaboration. I am tired of the abuse of factual information. And, I am tired of this zero-sum discourse. To be frank, our leaders need to stop trying to keep their job and start doing their job.

Let’s fix the larger gun death problems

Mass shootings are very tragic and heart wrenching. Homicides are also tragic. Yet, the biggest gun problem and another tangible and avoidable problem make up between 60% and 70% of annual gun deaths in America. The lion’s share of gun deaths in America are suicides. Last year, over 23,000 of the 38,000 plus gun deaths were suicides. This ratio is not unusual and tracks pretty well year in and year out.

The other much smaller, but more avoidable gun death problem is accidental shootings. And, tragically the ones doing the shooting or getting killed are children who come across a weapon. To lose a child is the worst nightmare I could possibly imagine. But, to lose one because you did not put away your gun, is even more traumatic. The gun owner has to live with the guilt. While accidental shootings are about 2% of gun deaths, they seem to be ones we should be able to avoid irrespective of one’s fervor for the 2nd Amendment.

After each mass shooting, there is concern registered by kids and parents about not letting this happen again. The people for and against more gun control go into camps with some saying now is not the time, while the others asking when is the time. I must give a huge amount of credit to the Parkland kids and others around the country who are forcing action. But, outside of a little lip service in Washington, nothing tangible happens. They may regret inaction come November.

These past few months, the barest of minimum change was done, but there was the President of the United States speaking before the NRA convention last week. He was the one who taunted Congress representatives for not standing up to the NRA. These were obviously just words, which we should be used to by now. With this said, I do give kudos to Florida who acted a little more demonstrably than DC.

To prevent more suicides, background checks on all sales with elongated waiting periods are needed. Doctors must be permitted to ask patients if there is a gun in the house as the propensity for suicide is much higher than one without. All it takes is an impulse and it is over. We must add more psychologists and counselors to schools. The greater gun risk is a depressed student taking his or her life. And, we should expand Medicaid in the remaining 18 states along with its mental health benefits.

As for the accidental shootings, the majority of states require guns to be locked up at home, but why do not all states have such a requirement? I have shared this before, but I asked my father-in-law to lock up his weapon, as I did not want his grandkids around a loaded weapon. He did so. One idea that has merit is requiring a finger printed trigger, where only the owner can use the weapon.

Please note that none of the above speaks of taking weapons away. These steps would help reduce the number of suicides and accidental shootings. Even if the number is only 100, 500 or 1,000, those are lives saved. Isn’t this what it’s all about?

 

 

That healthcare thing

In more than a few surveys, the majority of Americans have noted that healthcare is a key dinner table issue. In several surveys, shoring up and stabilizing the Affordable Care Act (ACA) is preferred by a smaller, but still majority of Americans, than its repeal.

With a background of being a former benefits actuary, consultant and manager of benefits, here are a few facts and observations that I encourage you to research and verify.

– The ACA borrows from a Republican idea implemented by Governor Mitt Romney in Massachusetts which was advocated by de facto Tea Party leader Senator Jim DeMint for the whole country. Some elements can be found in a healthcare idea of Senator Bob Dole when he ran for President in 1996. These are reasons Republicans had a hard time with other ideas to repeal and replace it.

– The ACA is designed to require employer and public plans to offer certain minimum level benefits. The non-employer benefits are delivered through healthcare exchanges of policies and the expansion of Medicaid for people near or in poverty (32 states and the District of Columbia elected to do this).

– The biggest benefits of the ACA are guaranteed issue and renewability of coverage and the premium subsidy for people with incomes up to 4 x poverty limit. If you or a child has a preexisting condition, guaranteed issue and renewability are huge benefits.

– The botched roll out of the online exchanges sits at the feet of President Obama. For this to be such an important issue, it deserved better planning. The online exchanges are doing much better now, but you don’t get a second chance for a first impression. And, this poor roll out was used as fodder to nay-say the program, even though the problems were fixed.

– The ACA has experienced higher premiums due to adverse selection (pent-up demand and more high risk than better risk customers), but it is frustrating that the Republican Senators and President have masked their role in making premiums even higher. Senator Marco Rubio led an effort to strip 89% of the funding to insurers for initial adverse selection a couple of years ago and President Trump stripped out funding for co-pays and deductibles for lower paid people last year. Both of these changes cause premiums to increase even more than they otherwise would have.

– The lack of expansion of Medicaid in 18 states means the ACA is still not fully implemented. Per The Commonwealth Fund, this implementation would help people, rural hospitals and state economies. GOP Presidential candidate John Kasich called Medicaid expansion a no-brainer when he did it in Ohio as Governor.

The ACA is not perfect, but it is working OK. It could work even better if it were stabilized and improved. Taking away the mandate will be harmful and cause premiums to go up even more. What troubles me in our zero-sum game of politics is we are foregoing improving an imperfect law, which we have done countless times before on major changes. The way I see it, Congress and the President own this law now. If it fails, people should look to them asking why did they let it happen. This impacts people.

I have mentioned before several changes to consider. National healthcare is not going to happen in our country as it is too political and the healthcare industrial complex is strong. Yet, I advocate expanding Medicare in a targeted way down to age 62 (or maybe 55). Unlike the more complex Medicaid, Medicare actually works pretty well and strips out the profit load embedded in insurance premiums. This will reduce exchange premiums and Medicare premiums, as it makes both audiences younger on average.

I think we need to reconstitute the adverse selection and co-pay subsidies to insurers. The federal government needs to repay insurers they stiffed and invite insurers who left back into the exchanges. I would also recommend the remaining states expand Medicaid and I would add back the mandate for coverage, even though this feature is unpopular. If there are areas where competition is not significant, select use of Medicare (or Medicaid) could be deployed in those counties.

There are other changes that should be considered, but we need to shore this thing up. Congress and Mr. President, the ball is in your court as well as the legislatures for those eighteen states.

 

Truth does matter

“We pay more taxes than anybody else in the world,” said President Trump on August 10, 2017 having said similar statements on more than a few occasions.

“You know this Russia thing with Trump and Russia is a made-up story,” said the President to Lester Holt on May 11, 2017 which he has said on multiple occasions.

The cut in the subsidies will only affect the “gift” to the insurance companies, said the President to his cabinet in October, 2017 when he defunded some ACA subsidies to the companies to repay them for subsidizing co-pays and deductibles for people making less than 2 1/2 times the poverty limit. He used variations of this theme on several occasions to defend his cuts to financial help to those in need.

The two common threads of these statements are they are all lies and were uttered consistently by Donald Trump. Yet, this should not be a shock to anyone as the man has a hard time telling the truth.

Per Politifacts, on 483 measured statements by the President, 69% of the time they were either mostly false, false or pants-on-fire false. In other words, more than 2 out of 3 statements he makes or tweets should not be considered as true.

In a fairly recent interview with The New York Times, the reporters measured the President averaged lying every 75 seconds. The Washington Post counted 1,950 false or misstated claims in his first 347 days. This is consistent with statements made by his five biographers who note Trump has a hard time with the truth.

But this is not news to most Americans per a Quinnipiac Survey. The survey said 62% of Americans do not think Trump is honest. And, in a University of Missouri Journalism survey, the President was listed in the bottom ten of trustworthy news sources, meaning the ten least trusted sources.

The truth matters. The Russia thing is real, whether it links directly to Trump or not, as intelligence officials say he is at minimum an unwitting participant in the meddling. In fact, General Barry McCaffrey, the most decorated retired four star general said this weekend that the President is a “serious threat to national security,” based on his adoring view of Putin.

On the taxes comment, we just reduced taxes with this lie laying groundwork. We are increasing our debt by $1.5 trillion to try to make a pretty good economy even better. On the health care subsidies, this lie covered for a change that will increase our debt by $10 billion meaning it impacts taxpayers as well as non-subsidized premium payers, not insurers.

Our problems are complex and they are hard enough to solve when we deal with the truth. When our leader lies and others support his lies, solving problems become even harder. The truth matters. And, with respect to his many alleged affairs and sexual misconduct, I would bet on the women’s stories as being more true than his defense.