Category: general freedom

Bailed — Before Bailout

health insurance, experts, obamacare, insurance, costs, illustration, meme

Last Wednesday, UnitedHealthcare Group Incorporated (UNH) announced that it will drop coverage of plans under Obamacare in all but a few states by 2017.

The market signaled a thumb’s up: UNH stock prices shot up over 2 percent.

The company, described in the news, somewhat vaguely, as the country’s largest insurer, is sending us a signal: the Affordable Health Care Act and its “Obamacare”?

Not affordable.

An insurance policy must make sense to both parties, the insured and the insurer. The insured gets peace of mind . . . and coverage when the rare events insured-for take place. The insurer has written enough insurance contracts out there, prices based on actuarial risk, to allow it to make a profit even with payouts.

The problem with the ACA is that it raised costs (in part by forcing insurers to take on patients with pre-existing conditions) while regulating terms of policies offered . . . and prices, too.

Plus, face it: the idea that one should insure for regular checkups is just one of the many absurdities built into the system.

It’s just too much meddling to work, in the long run. Bailouts and subsidies of those insurance companies that stick with the plan will then make the program unaffordable . . . for America’s taxpayers.

Over-regulated and over-subsidized, Obamacare suffers from the preposterous idea that a bird’s eye view of the economy from the politicians’ perch gives enough information to run complex systems servicing millions of people with diverse needs.

Expect more big stories with tags lines ballyhooing a “serious blow to Obamacare.”

This is Common Sense. I’m Paul Jacob.

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Tags Affordable Healthcare Act, experts, health insurance, ObamaCare

general freedom ideological culture national politics & policies too much government

The Drinking Gourd

$20, currency, twenty dollar, Jackson, Hamilton, Tubman, illustration

By now, most people are probably OK with Treasury’s plan to oust Andrew Jackson off the face of the $20 Federal Reserve Note and replace him with Harriet Tubman.

I certainly am. Ms. Tubman was a great hero of freedom. President Jackson has a more . . . mixed legacy.

The original plan to rotate Alexander Hamilton off the ten spot met with pushback as a result of his rising popularity from the Broadway play, Hamilton. Besides, Hamilton deserves blame—er, placement on the nation’s official paper money. Hamilton devised the first national banking system. Andrew Jackson, decades after Hamilton’s death, nixed that insider-mercantile scheme by refusing to re-authorize the central bank of the day, setting up a very different system for the Treasury and America’s banks.

Less than a century later, Hamilton’s idea was revived in the form of the Federal Reserve. Which we benefit/suffer from to this very day.

But in a bizarre twist, Jackson was not simply replaced. He was demoted. Tubman is to be placed on the note’s obverse, and Jackson moved to the back of the bus, er, note. The reverse.

I would have preferred to revive Old Hickory years from now, after the Federal Reserve dissolved, to be featured on a private bank’s note. After all, private banks did that for years between Jackson’s time and the modern period.

Bank notes don’t need the imprimatur of government.

That would allow us to place, on the flip side of the sawbuck, a more suitable image — of the Big Dipper, which served escaped slaves as a direction, to go north: “follow the Drinking Gourd.”

Additionally, the Big Dipper suggests bailouts, doesn’t it?

We’ll have plenty more before the system is changed.

This is Common Sense. I’m Paul Jacob.

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Tags $20, Andrew Jackson, bank note, currency, fiat money, Hamilton, money, treasury, Tubman

Accountability general freedom government transparency moral hazard national politics & policies political challengers responsibility

Big-Dollar Impact

campaign finance reform, contributions, Hillary Clinton, Bernie Sanders, corruption

Last Saturday, The Washington Post’s top-of-the-front-page headline blared, “50 donors with outside impact.”

If that doesn’t curdle your blood, readers were further warned of a new “Gilded Age.” Yes, in concentrated fundraising the Post heard “echoes of the end of the 19th century, when wealthy interests spent millions to help put former Ohio governor William McKinley in the White House.”

McKinley. The horror. The echoes.

Hopefully, self-immolations can be kept to a bare minimum as Americans discover the report’s main (only) thrust: 41 percent of $607 million contributed to 2,300 super PACs this election cycle has come from just 50 donors . . . at least, if you also aggregate gifts from the relatives of these 50 folks and their business interests as well.

Isn’t that terrifying? Destructive of democracy? Are our elections simply being bought by the billionaires?

No. No. And no.

Any common sense analysis of this year’s presidential contests, both Republican and Democrat, must acknowledge that big money did not trump. Pun intended. Sen. Bernie Sanders is now outraising Hillary Clinton with millions of small donations — not “millionaires and billionaires.” Jeb Bush’s massive financial warchest made no discernible difference. Even the Post concedes “the mixed impact that big-money groups have had on the presidential contest so far.”

Mixed? Name a single state where “big spending” determined the outcome.

Ideas matter. And securing the resources to advance and advertise ideas obviously matters, too. Same goes for candidates — and their ideas.

More money, more campaign spending, means more ideas and candidacies can reach the political marketplace. That’s where voters, not big donors, do the deciding.

This is Common Sense. I’m Paul Jacob.

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Tags 2016 Presidential race, campaign finance reform, democracy, Presidential campaign 2016, SuperPACs

folly general freedom national politics & policies tax policy too much government

Procrastinators’ Weekend

Usually, April 15 is the deadline date, in these United States, to file taxes or apply for an extension. This year it is April 18.

Why? Many of us think of the Fifteenth of April as Tax Day. It seems strange and arbitrary when it is jiggered with. And kind of annoying.

But a postponement of taxes could be a postponement we might all appreciate as a tiny (ever so slight) reprieve.

So, again, why this year’s three-day extra leeway?

First off, it is regularly postponed when the day falls on a Saturday or Sunday.

Could it be that the “Nothing Gets Done on Friday” Rule has been acknowledged by the fine folks at the Internal Revenue Service?

No.

People in Maine and Massachusetts celebrate Patriots Day on April 18, so their tax day is set another day later, April 19.

Which begs the question. Why the 18th in the first place?

Well, because of Emancipation Day, usually celebrated in Washington, DC, on April 16.

Because the 16th settles on a Saturday this year, and because the day is a traditional day off for federal workers, the holiday shifts a day in advance, to this Friday, the 15th. So, Emancipation Day — commemorating the signing of the Emancipation Act by President Abraham Lincoln — trumps Tax Filing Day.

Apt, since it might seem cruel to Americans to have Tax Day, marking the subservience of a whole population to its government, fall on something called Emancipation Day.

After all, consider: holding them on the same day? Hmmm. Might get people thinking.

Bigwigs in DC don’t want that.

This is Common Sense. I’m Paul Jacob.

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Tags Fed Up With Taxes, slavery, tax, Tax Day

folly general freedom ideological culture nannyism national politics & policies too much government

The Hypocrisy Gap

wage gap, pay gap, sexism, Equal Pay Day, illustration

You may have missed it. I wasn’t so lucky. This past Tuesday was “Equal Pay Day.”

“[T]he typical woman who works full-time earns 79-cents for every dollar that a typical man makes,” President Barack Obama said, repeating what we have already been told ad nauseum about the “wage gap” between men and women.

The “detailed calculation” used to determine this “gender wage gap”?

“Experts” simply added up all the money earned by all the men and all the women (subcategoried) and then divided by the number of men and women, respectively. No accounting for

the actual jobs performed,
hours worked,
education,
risk,
work history

. . . or any other factor.

Using this statistic make sense if all people — brain surgeons and taxi drivers alike, having worked every day for the last 40 years or re-entering the workforce after decades away — should earn the exact same amount.

Communism.

It is already illegal to pay a woman less than a man for the same work. Yet, on the WhiteHouse.gov page entitled, “This Is Why Today is Equal Pay Day,” the prez says “we must rid our society of the injustice that is pay discrimination.” The website insists that, Obama “has made equal pay a top priority.”

Then, why does a pay gap exist between the men and women working for Mr. Obama? According to the Washington Post, “The White House has not narrowed the gap between the average pay of male and female employees since President Obama’s first year in office . . .”

The good news? Equal Pay Day is over.

This is Common Sense. I’m Paul Jacob.

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Tags Equal Pay Day, equal protection, gender pay gap, sex equality, wages

general freedom individual achievement

Jefferson’s Achievements

Thomas Jefferson, birthday, slavery, freedom

In 1743, on April 2, Thomas Jefferson was born. But the old Julian calendar was superseded in 1752, so we now mark his birthday as April 13.

Thomas Jefferson wrote the first draft of the United States’ Declaration of Independence. He authored the State of Virginia’s Statue of Religious Freedom, which disestablished the Episcopalian Church, thus officially beginning the long process of what he referred to as “building a wall of separation between Church and State.”

He followed Patrick Henry as Governor of Virginia, and was in that position when it was attacked by British forces (led by Benedict Arnold and Gen. Cornwallis). He later served as the first Secretary of State of the new union, and then as its second Vice President and third President. He wrote one book, Notes on the State of Virginia (1785), and translated several others, including Volney’s Ruins of Empires (1802) and Destutt de Tracy’s A Treatise on Political Economy (1817). He designed the first campus of the University of Virginia, and managed its founding.

Thomas Jefferson was a man of achievement, yes; but mostly he is associated with the idea of freedom.

Yet, he was also a slave-owner. His several attempts to limit the severity and extent of slavery were mostly beaten back. And his personal involvement with slaves (he likely sired several children with his late wife’s half sister, a slave) was even more tangled.

Some people say this disqualifies Jefferson from current praise.

I’m not in that camp. It seems to me less than honest not to esteem him for helping us declare that “all men are created equal” . . . and outright foolish to ignore Mr. Jefferson’s lifelong agitation for a more equal freedom under law.

This is Common Sense. I’m Paul Jacob.

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Tags birthday, Declaration of Independence, freedom, slavery, Thomas Jefferson

free trade & free markets general freedom ideological culture individual achievement media and media people national politics & policies

Parker and the Pope

Kathleen Parker, Pope Francis, Bernie Sanders, economic fairness

Kathleen Parker is far from my favorite columnist, but her Sunday column comparing Pope Francis and presidential aspirant Sen. Bernie Sanders regarding their shared message on economic fairness and equality of outcomes was well worth the effort.

She treats the men differently. She gives Pope Francis a pass because, as a religious leader, he “wants to raise consciousness about our obligation to the less fortunate,” while bashing Sanders, the politician, who “wants to restructure America’s economic institutions to ensure that money trickles down — mandatorily rather than charitably.”

“Let’s face it, most of us work hard . . . for a paycheck.” So Parker pointedly asks, “As the tax man chisels away at such monetary rewards, where goes the incentive to work hard?”

How persuasive — encouraging actual, real-world achievement — would a Sanders Four Year Plan be?

Addressing the Pope’s harsh words for individualism, Parker argues, “The ‘rampant individualism’ that Francis condemns is precisely what has driven American ingenuity, entrepreneurship and a level of prosperity unmatched in human history.”

Precisely.

In other words, maybe — just maybe — we did build it. Through our own sweat and toil. Individualism is decidedly not big government. And it is not public-private crony capitalism, either.

So, considering that it was America’s laissez–faire-ism that created such great wealth and prosperity, which presidential candidates are promising a return to more robust and vivacious individualism?

Not the ones promising everything. Nor the one promising the “best deal.”

The job of the next heroic leader will be to shovel whole layers of intrusive government out of our way.

Parker seems on board, boasting, “This is common sense.”

Hey, wait a second, Kathleen, that is my line. I’m Paul Jacob.

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Tags Bernie Sanders, equality, fairness, individualism, Kathleen Parker, Pope Francis

folly general freedom ideological culture nannyism national politics & policies Popular

Extremist Against Charity

Bernie Sanders, charity, welfare, government, against charity

Vermont’s favorite son, Senator Bernie Sanders, has a long history of saying strange things, comments that cast a shadow on his current spin that the socialism he favors is a “democratic” one.

He really is (or has been) quite extreme, extremist.

How extreme? He is against charity. You know, private aid provided to alleviate private suffering.

Steve Hayward at PowerLine has unearthed a New York Times piece from way back in Bernie’s mayoral days, about something he said addressing a United Way crowd:

“I don’t believe in charities,” said Mayor Sanders, bringing a shocked silence to a packed hotel banquet room. The Mayor, who is a Socialist, went on to question the “fundamental concepts on which charities are based” and contended that government, rather than charity organizations, should take over responsibility for social programs.

How telling is that?

What many of us have long suspected about anyone calling himself a socialist is that, in his heart of hearts, he really is against any degree of freedom.

The free society alternative, on the other hand, is the common sense policy: we all do the good that makes sense to us, each act or operation judged by our differing metrics, investing our time and money as we see fit.

This allows for innovation and speedy adaptation to changing needs.

Bernie, on the other hand, figures everything has to be centrally organized and taxpayer-funded. That’s not merely a good definition of socialism, it’s creeping totalitarianism . . . and not the least bit charitable.

This is Common Sense. I’m Paul Jacob.

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Photo credit: Marco at Flickr

Tags 2016 Presidential race, Bernie Sanders, charity, Presidential campaign 2016

general freedom ideological culture meme moral hazard nannyism too much government U.S. Constitution

Dear Bernie: Here’s How Rights Work. . .

Post author By CS Admin
Post date March 30, 2016
1 Comment on Dear Bernie: Here’s How Rights Work. . .

Dear Bernie, rights, violation, violates, how rights work, meme, Common Sense

A new “right” that violates other fundamental rights, can’t be a right.

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Tags Bernie Sanders, health care, human rights, Individual rights, medical socialism, rights, socialism

Accountability crime and punishment general freedom national politics & policies U.S. Constitution

Mr. Most Merciless

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Usually, when contemplating the Office of the President of the United States, our cause for complaint is excess of power. Our country was founded on opposition to such centralized power — initially directed against King George III — and the Constitution written, in part, to allow a strong federal government without feeding the beast of Tyranny.

Yet, today, I’m not bemoaning unchecked presidential power. Instead, the opposite: an important presidential power that Mr. Obama lets lie unused.

What is that power?

The executive’s power to pardon, defined in Article II, Section 2 of the U.S. Constitution.

Yesterday, George Lardner Jr., a scholar with the Investigative Reporting Workshop at American University, and Political Science Professor P. S. Ruckman Jr., the editor of the Pardon Power Blog, reported in an op-ed for The Washington Post, that “Obama has a clemency record comparable to the least merciful presidents in history. He has granted just 70 pardons, the lowest mark for any full-term president since John Adams, and 187 commutations of sentence.”

“Obama’s record is all the more deplorable because of assurances that he has made,” argue Lardner and Ruckman, noting that the Department of Justice’s Clemency Project 2014 — designed to provide relief to non-violent drug offenders and announced “to great fanfare” — has “become a bureaucratic disaster.”

With all the injustice found even in the best justice systems, I cannot understand how a compassionate person could ignore this power. Or use it, as President Bill Clinton did, to provide last-minute pardons for cronies and high-rolling campaign contributors.

Have mercy.

This is Common Sense. I’m Paul Jacob.

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Tags capital punishment, clemency, crime, Obama, President Barack Obama, presidential pardon, prisons