But Now You Know

The search for truth in human action

Should You “Give Back” to Your Employer?


When you buy bread for a dollar, the seller is "giving back to the community" for the dollar, by feeding you a dollar's worth of food. He is literally "feeding the hungry".

Each year, a generous social organization probably gives you tens of thousands of dollars, through your job.

You are very fortunate to be given this plentiful benefit, and should give back to the society of your bosses. Perhaps by giving them money, or volunteering to help them prosper.

“But wait” you say, “they didn’t pay me that money as charity…it wasn’t fortune! It wasn’t a windfall or luck! I earned that money! They were paying me for services I rendered to them! I owe them nothing, because it was a fair exchange!”

And you’re right, of course.

This is so obvious that my statements above were patently absurd. I couldn’t easily find a way to make them convincing, lest I drive you away by sounding like a nutcase.

And yet that’s just the sort of insanity that “progressives” advocate, these days.

That’s How They Got Rich

Certain class hate types are saying we should take even more money from the wealthy (families who make over $250K and already shoulder 90% of the Federal income tax), because “those who have benefitted most from our way of life can afford to give a bit more back“.

But most people who get rich earn their money, just like you d0. Their customers, like your employer, trade with them voluntarily, and (hopefully like your employer) believe they are getting as much or more as they are paying for. They “benefit” only exactly in proportion to how much they “give back”, already. If you earn a billion dollars in the marketplace, it means you have already given over a billion dollars in value to the people who (therefore) paid you for it.

Now it’s true that some wealthy people don’t get their money consensually. It amounts to ill-gotten loot they secured because they are the crony of some corrupt politician who hands them fat taxpayer money as pork — for example, Dick Cheney and Haliburton, or Democratic Senator Claire McCaskill’s husband. And I’m all for a special surtax on government officials, employees, and contractors and their cronies, who profit on the taxpayers’ backs instead of by contributing to society.

But if we want to attach being wealthy more with contributing to society, we need to reduce government’s influence, instead of expanding it. When government oversteps its legitimate boundaries, it ends up voilating our choices, making people rich whom we would not have chosen to pay, who did not to society for the money.

Whether with needless government contracts, bailouts, pork, or forcing you to buy from someone like a monopoly (cable and power companies) or mandate (health insurance under Obamacare, mercury-laden lightbulbs and inferior toilets), this does create wealthy people who’ve given nothing…and we need to stop it from happening.

People who earn their money have already “given back”, and don’t need to make some extra sacrifice as punishment for their success. That success shows how much they’ve already given. We need to stop the class envy greed, and focus on cutting the spending that is done on the backs of all productive Americans, freeing ourselves to succeed again.

April 16, 2011 Posted by | Economy, Philosophy, Politics | , , , , , , , , , , , , , | 1 Comment

America Already HAS Death Panels and Waiting Lists


Next time you see someone mocking the idea that America could have health care waiting lists and death panels, point out that we already do.

There is one domain of medical treatment that is mandated socialism-only, by the Federal government.

And, unsurprisingly, this system has a waiting list of over 100,000 people at a time.

You usually have to wait at least 1,000 days…nearly three years…for treatment.

In fact, you usually die before you get treated.

Why?

Big government types have heartlessly condemned thousands to death, by banning compensation to organ donors

Big government types have heartlessly condemned thousands to death, by banning compensation to organ donors

1,000 Day Waiting List

Because it’s illegal to compensate people for donating their organs.

That’s right, you can’t pay someone for a kidney, whether they’re alive and donating one, or they just died and are a good organ donor whose family desperately needs the money.

Because of this, out of the 2,000,000 Americans who die every year, only 5,000 donate their organs. The vast majority of potential organ donors do not…but, obviously, more would if they had the hope of helping their own families deal financially with their death.

And so, with this socialized organ donation system, there is a waiting list of over one hundred thousand people, and you will probably die during the average of 1,000 days you will wait for an organ.

Imagine how many more people would sign their donor cards, put that in their living wills, et cetera, if they could hope that they could at least help support their family, if they did die.

Consider how many families, left destitute because the bread-winner unexpectedly died without life insurance, could at least have the hope of compensation because he was an organ donor. In fact, 35% of all people who did sign an organ donor card fail to donate because their family refuses consent after they died. How many might have chosen otherwise, if they could be compensated for the emotional sacrifice?

It’s even possible for people to choose to donate some organs while alive. The kidney waiting list, in some parts of the country, is ten years. That’s 3,650 days waiting for a kidney, on a dialysis machine that slowly kills you. Yet people could choose to donate a kidney any time, even when alive and healthy. Frankly, I’d never do that for money, but other people should be free to disagree with me.

As dramatized on a popular TV show, Gregory House on his his way to a modern-day organ death panel, which rejects his patient, condemning her to death

As dramatized on a popular TV show, Gregory House on his way to a modern-day organ death panel, which rejects his patient, condemning her to death

Actual Death Panels

And let’s be clear: Because there is such a waiting list, there are actual panels of people who decide where each donated organ will go. They pronounce who gets them first, and who will not be allowed to have one at all, because it’d be a “waste”.

If you need an organ transplant, a panel will actually weigh how old you are, what shape you’re in, even what your lifestyle is, and then decide not only where to place you on the list, but even whether to just let you die. That’s right, if they don’t approve of how you live, they can pass you over to die.

Older people are actually passed over, because they’ve lived longer, and more “deserving” people moved ahead of them even after they’ve waited on the list.

There are already panels of people who will literally decide to let your grandmother die untreated, because she’s lived long enough.

It not only could happen in the US, it already does.

Do we really think, given the chance, that this won’t expand into every other part of health care that becomes socialized?

Criminal Transplants

It is a far greater crime when the government causes a death, because it is using supposedly legitimate authority to do so

It is a far greater crime when the government causes a death, because it is using supposedly legitimate authority to do so

Like Canadians and Brits sneaking to the US when their governments put them on endless waiting lists for life-threatening or painful conditions, Americans condemned to die by the socialized organ transplant system in America end up flying overseas, to obtain transplants, if they can afford to do so. Therefore the socialist prohibition actually ends up linking wealth to survival even more, not less as intended…only wealthier Americans can afford to fly a foreign country and pay for a transplant out-of-pocket. What’s more, it’s far more dangerous than an American transplant, since the US has the best surgery outcome rate of any nation on earth.

Meanwhile, avoiding questions of whether people really want to sell their organs, or are doing it for money, actually produces an even more dangerous system of commercial organ transplants, that of black market organs. There really is a question of whether an organ obtained this way was gotten from a consenting patient…and yet such a system exists only because it’s illegal to do so openly, with safe documentation.

Fix Transplants, Don’t Break Everything Else

Hope and/or pray that the US transplant system is de-socialized before you end up needing an organ, so that you won’t have to wait for years, and probably die without treatment.

And, as important, fight to keep the rest of the American health care system from ending up in the same, deadly, condition.

September 17, 2009 Posted by | Economy, Family, Health, Politics, Science | , , , , , , , , , , , | 8 Comments

What If Car Insurance Were Like Health Insurance?


Insurance is supposed to be something you hope to never, ever use.
Not even once.

That’s how, for example, car insurance works. If you’re careful and lucky, you’ll “waste” money on it your whole life, and never need to make a claim. You are just pooling a risk with everyone else, and only a few of you should need to cash it in, per year.

But imagine if we all had car “insurance” that covered routine things we expect to need, like oil changes and gasoline.

Since we, and the insurance company, know we will be paying for these things regularly; our insurance cost will go up by the full amount of what we’d have paid anyway, plus the extra overhead for their bureaucratic costs and profit.

You Pay Extra for “Free” Stuff

If you think gasoline is expensive now, wait until you see what it costs when it's free.

If you think gasoline is expensive now, wait until you see what it costs when it's free.

If your car insurance now costs $800/year, and you spend another $800/year on gas/oil, for a total of $1,600/year, the price of your insurance will probably go up to well over that. For example, with a mere 10% profit margin, plus another 10% in bureaucratic costs, the extra $800 would cost you $160 on top of itself.

So you’d pay $1,760 to have “full coverage”, instead of $1,600 to have normal insurance and buy your own gasoline and oil changes.

But, worse, since we’re not actually paying for each gallon and pint out of pocket, demand for gasoline and oil changes will go up, which will increase the price. It will increase it a lot.

Think of how much people changed behavior because gas prices were high in 2008. It dramatically cut demand. People bought more economical cars, moved closer to work, didn’t drive on distant vacations as often, et cetera. And this helped cut the cost of gas back in half, because the price is set by, in part, a combination of supply and demand.

With gasoline costing “nothing”, people would feel free to buy cars that get worse gas mileage. They would feel better about living farther from work. They could go on road trips as often and far as they pleased.

So the price of gasoline would skyrocket.

But since most people would have “full coverage” insurance, they wouldn’t even notice that.

What we all would notice is the price of car insurance going through the roof.

If car insurance covered normal and minor costs, its price would expand out of control

If car insurance covered normal and minor costs, its price would expand out of control

Let’s say the price of gasoline only doubles, back to its 2008 prices. Now people are using $1,600 in gasoline per year…except they’re also driving more. Let’s say only 25% more…that’s $2,000 in gasoline. Including the profit margin and bureaucratic cost, that means the price of “full coverage” goes from $1,760 per year to $3,200 per year.

But it doesn’t stop there…the insurance company doesn’t really have the same incentive, nor power, to hold down prices that consumers do.

Oh, pundits imagine they do, because they’re big companies and all that…but they lack the power of the actual consumer: They can’t make people stop driving and getting oil changes. So the oil and gas providers are able to start raising prices, as long as they can justify it…and when money’s involved, people can justify a lot. For example, now the gas stations and quick lube joints have to pay a whole second staff just to handle the “insurance” paperwork, in order to get paid for the gasoline and oil changes we buy.

So the price of gas and oil will go up even more than supply and demand would require…which means that $3,200/year for “full coverage” car insurance is only the start. If we add a mere 10% on that for the oil/gas companies’ insurance compliance staff, plus another 10% for padding they can get away with because the insurance company can’t make its customers stop going in response to high prices, then $3,840 per year.

The Uninsured Suffer

Of course, one group will feel the pinch of gasoline and oil change prices going up:

We who are smart enough not to waste our money on “full coverage”, but buy our gasoline and oil out of pocket, saving the twenty percent overhead on the insurance. But now we’re paying insanely high prices for these things, either way.

In fact, soon nobody without “full coverage” car insurance will feel like they can afford to drive, because gasoline and oil changes are so expensive.

Next step: Rationing of gasoline

Next step: Rationing of gasoline

Inevitably, this would all balloon into a:

Car Care Crisis

Media and Liberal politicians would be demanding that government insure all Americans who are not already covered, and that they “control car care costs”, which would be expanding to cripple the economy.

They would, surely, try to nationalize automotive care…they already hate that we drive so much, they say so all the time. Instead of trying specific, reasonable things, of course, they’d demand that we put all eggs in one basket with a single, gigantic, hurried bill passed into law, all or nothing.

This, of course, will end up making things worse, as such brute-force government interventions always do.

All because people were foolish enough to start buying “insurance” for predictable, regular needs, instead of only for catastrophes they hope will never happen anyway.

Health Insurance = Car Insurance

This is what is happening, now, in the health care industry.

We are paying up to $8,000 per year for a family of five, in order to get “full coverage” that pays for our normal checkups, our doctor’s visits for colds, the flu, emergency room visits for skinned knees and sprained ankles…and then we are paying for ALL of that minor, predictable stuff, plus profit and bureaucratic costs, and increased paperwork costs from health care providers, and padding of costs handed off to insurance companies…through skyrocketing health insurance prices.

Before government stepped in, health insurance was only for rare emergencies. It cost a tiny fraction of what it does today, even considering inflation. But then government took over half of health care spending with the socialized Medicare/Medicaid programs, and forced employers to offer “full coverage” health insurance, hiding the cost you pay by deducting it from what they would offer you in the first place.

The crisis this created is exactly what we should expect to happen. The problem is simply that we’re paying middleman, for no reason whatsoever, and getting exactly what we deserve.

September 10, 2009 Posted by | Economy, Family, Health, Politics | , , , , , , , , , , , , , , | 16 Comments

Who Are the 47 Million Uninsured?


Not everyone in our country has health insurance...but the reasons aren't what you're led to believe.

Not everyone in our country has health insurance...but the reasons aren't what you're led to believe.


EVERY TIME someone spouts the “forty seven million uninsured” number, show them this.

You routinely hear that claim in the health care debate, but, for some mind-boggling reason the opponents of nationalized health care rarely, if ever, stop to point out exactly WHO is being counted in that number.

When you’re deciding whether we should be forced to surrender our remaining medical freedom of choice to make coverage “universal”, consider who these “uninsured” actually are:

The Breakdown

The largest, overlapping, groups of uninsured in the US include:

  • 9,000,000 Millionaires
  • 27,000,000 people who make more than $50,000 per year, but choose not to get insurance
  • 22,000,000 Young adults who can afford insurance, but choose not to
  • 14,000,000 People who can already get medicaid, but choose not to
  • 11,000,000 Illegal Immigrants
  • 23,000,000 People who are actually insured. That’s right; you’ve been lied to…surprised?


This adds up to more than forty seven million, because of the overlap – for example young adults who are millionaires and change insurance companies fit into four categories, above.

Let’s check out the details:

Millionaires: The kind of health insurance you get from employers, these days, is actually pretty self-defeating…it makes you pay thousands of dollars per year, and in return you get tens of dollars worth of coverage on office visits and other routine care. The US has more millionaires than the rest of the world combined, and if you’re one, you’re not going to bother paying a premium every month, to avoid the much smaller annual checkup fee. Of the nine million millionaires, many wisely ditch routine health insurance entirely.

$50,000+: Of course this applies, to a lesser extent, to many people who make more than $50K, twenty seven million of whom choose to be ininsured. They don’t bother with health insurance, because they can pay for checkups out of pocket, no problem. Especially if they are…

Young Adults: Two thirds of the “uninsured” not skipping out on medicaid are between 18 and 34. Those people feel, and are statistically correct, that they’re probably not going to need the insurance, anyway. Why pay $2,000 per year for insurance when you’re going to go ten years without even getting a checkup, and have not a single ill effect from it? Sure, they’re risking the rare catastrophe…but it IS rare, and anyway that’s their own fault and choice.

Medicaid-Dodgers: If you get on medicaid, you have to pay some small token premium…but if you choose NOT to pay that premium, and then you actually get horribly ill, you can actually sign up on the spot and still get covered, having essentially gamed the system and won anyway. So why ANYONE would bother signing up ahead of time escapes me. Fourteen million are smart enough not to.

Illegals: I don’t like how restrictive our immigration laws are, but nonetheless they ARE among the few legitimate functions of the Federal government…and, more importantly, anyone in this country illegally is CHOOSING to live a life that will essentially make insurance impossible to legally get. There are about eleven million of these people, and “uninsured” surveys don’t filter them, in fact they sometimes specifically count them. That’s their own choice and problem. Legitimate taxpayers shouldn’t have to support them.

The Insured: In fact, the majority of the “uninsured” who aren’t gaming medicaid ARE INSURED ANYWAY. See, the fearmongers who came up with these deceptive numbers are including anyone who changes insurance companies in a given year as being unisured for that year. This is because, legally, there is some point (even if it’s only one instant at midnight) where you are covered by neither policy. Therefore, twenty three million of the “uninsured” are actually insured for almost the entire year.

COBRA Fakes Uninsurance

Under the category of “actually just switching insurance”, anyone who changes employers is automatically covered by COBRA…but it is retroactive. They can simply choose to be “uninsured” for up to two months, rather than paying prematurely for the COBRA, in case they get another job…if something goes wrong and they decide to “get” COBRA, it becomes retroactive for the entire two months. So they are counted as “uninsured”, but just like medicaid-qualified people, they actually ARE insured, just skating on the payments.

This really shows the depth of the “millions uninsured” scam, because it means that when COBRA was passed, more  people became insured (anyone who has lost a job, for at least two months), yet the COUNT of “uninsured” actually went up.

Who is Left Out

Of course the examples of who are supposedly uninsured are equally deceptive…usually the fearmongers spout off about old people and babies.

The wealthiest segment of Americans are the elderly...yet they oppose limiting medicaid/medicare to those who actually can't afford to pay their own way. This richest group of Americans takes money from poor working Americans for their "Free" health care

The wealthiest segment of Americans are the elderly...yet many of them oppose limiting medicaid/medicare to those who actually can't afford to pay their own way. This richest group of Americans takes money from the poorest working Americans for their "Free" health care.

But, in fact, less than four percent of the elderly are “uninsured”, and of course 100% of those either are wealthy (the oldest fifth of Americans are the RICHEST fifth of Americans), or are covered by medicare/medicaid, since they’re…old. Either way, they just choose not to get insurance.

And, of course, ALL “children without health insurance” have parents who fall into the six categories above, or are directly covered by special plans for children. One hundred percent.

Who’s Actually Not Covered? Perhaps Nobody…

What’s more, in my effort to find a number for people who are actually uninsured, but NOT covered by medicaid, NOT making over fifty thousand per year, NOT choosing to ditch insurance because they are young and invulnerable, and NOT an illegal immigrant…I couldn’t find any, at all. The number is so small that it’s not even worth citing by the socialists, assuming it’s above zero in the first place.

Demand that they come up with an actual number, before we take them seriously on the claim that we surrender our remaining medical freedom in order to have “universal” coverage. Should we suffer the wait for treatment like Canada in order to save just five percent of the population from themselves? Two percent? One percent?

August 5, 2009 Posted by | Economy, Family, Health, Politics, Society | , , , , , , , , | 32 Comments

   

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