Employer Provided Health Insurance Delenda Est
Employers end up tying employees with health problems to the employer because they are too concerned that any change in care would trigger a denial or loss of coverage. These people are being held down in jobs they do not want because they see no good alternatives. Individual portable worldwide insurance is the answer. Pair that with health care savings accounts, and allow the individual to choose any type of insurance plan from total coverage to major medical, and these problems begin to ameliorate. Combine that with a pre-existing conditions clause that requires all insurers to take every individual but allows the insurance company to decline treatment for a specific preexisting medical condition. Oh, but that sounds bad. So, require the state to take payment responsibility for that preexisting condition once the costs exceed 10% of the individual's annual income. Then require the feds to step in as co-insurer to the state once the state has paid an amount equal to the individuals 10% annual income share. Oh, and have the underlying insurer act as the processing agent and do not allow insurance issues or payment issues to interfere with care. That means that the processing agent and insurer must make sure that the course of care is seamless for the patient and all insurance payment issues between the insurer, the state, and the feds happen outside of the purview of the insured.
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"Something Far More Troubling Here" - Trump Rages At Docs Exposing FBI Entrapment Of General Flynn
Explosive New Flynn Documents Show FBI Goal Was To 'Get Him Fired' Combine these problems with the rampant abuse of power by our federal judges, and one wonders whether we live in a republic or a police state dictatorship. The FBI and the DOJ need to be disbanded and then reformed into new agencies. The first act should be to find and root out all of the corrupt actors. The second act should be to shrink these agencies, particularly the management staff, and then disburse the vast bulk of the employees out of Washington DC to many different locations in the heartland. These locations should not be near other federal buildings or agencies. The third act should be to bulldoze the former offices of these agencies and return the lands to parklands. Somewhere in there, we need to find time to charge the criminals in this gang of tyrants and let them have their days in court. These students are going to extreme lengths so everyone gets an 'A'
In the past, employers viewed college graduates as high-quality potential workers. Today, they do not, because colleges have systematically reduced academic rigor, resulting in the gutting of the value of the degrees conferred. This seems like a foolish choice, but hey, you spent the money you deserve to have the value of your degree destroyed if you want. Critical thinking was so last century, which is why so many employers pass on hiring most college cludges. "Holy God. We're About To Lose Everything" - Pandemic Crushes Overleveraged Airbnb Superhosts
In every area of human creativity or productivity, Price's Law is the iron rule of the land. "At my first sales job, I had about 25 colleagues who did the same work. After the first month, I noticed something peculiar. Only 4 of my co-workers brought in more than half of the total sales. I was 17 years old at the time, and I had no idea why that was. These folks were the superstars on the floor — the untouchables. Little did I know that this relation holds true for almost everything in business. It’s called Price’s square root law, and it originates from academia. Value Creation Is Not Symmetric Derek Price, who was a British physicist, historian of science, and information scientist, discovered something about his peers in academia. He noticed that there were always a handful of people who dominated the publications within a subject. Price found out the following (now called Price’s law): 50% of the work is done by the square root of the total number of people who participate in the work. In my example, that means 5 people (square root of 25) should bring in 50% of the sales. That means Price’s law is pretty accurate. On my floor, 4 people brought in about 50%-60% of the sales." So, with Airbnb hosts, the square root of the total number of hosts will tell you two things. First, the number of people who receive about 50% of the receipts from Airbnb rentals. Second, the number of people who have vast property rental holding on Airbnb who are likely to be crushed by the pandemic's annihilation of travel and hospitality rentals. No Tanks For Old Marines – Why America's Most Powerful Fighting Force Is Restructuring
The tank has been outdated for decades. Per SOP we continued to use tanks because they worked so well during the middle of the 20th century. This is not about budget cuts. This is about modernizing the fighting force for modern warfare. Portland To Ban Cars On 100 Miles Of Roadway To Promote Safe Distancing
Better to ride transit. The city was a mistake, the city government an even bigger mistake. EDUCATION Coronavirus Pushes Colleges to the Breaking Point, Forcing ‘Hard Choices’ about Education "MacMurray College survived the Civil War, the Great Depression and two world wars, but not the coronavirus pandemic. The private liberal-arts school in central Illinois announced recently it will shut its doors for good in May, after 174 years. Like many small schools, it faced declining enrollment and financial shortfalls. To lure prospective students, it was using steep discounts to its $30,000 listed tuition. Then the global health crisis brought unexpected costs for shifting classes online and partially reimbursing room and board for students forced to finish out the spring term at home. The loss of a $3-million-plus bridge loan was the final straw. The pandemic “squeezed out the last rays of hope,” said President Beverly Rodgers. From schools already on the brink to the loftiest institutions, the pandemic is changing higher education in America with stunning speed." Colleges and universities face such a large number of problems it would take a book even to begin to address the problems. A few of the larger problems include the fact that the model is old and was designed to create factory floor managers, corporate managers, scientists, engineers, economics, and other similar areas and a small number of professionals who would need further education to polish their skills and basic knowledge. In the olden days, this was limited to the top 30% or so of the graduating high school class, and even this was stretching the matrix to its limits. Today we try to send 70% of our high school class to college in the failed understanding that if the top 30% could use college education to achieve success, so could the middle 40%. The problem is adding these people caused the IQ of the matriculating class of colleges and universities to decline severely. As a result, the rigor of college had to be reduced to allow these students to graduate. Businesses quickly found that they were not very interested in these lower quality college degree holders. Colleges also had to find areas of study which had much lower rigor since colleges like science, engineering, mathematics, economics, and other core STEM areas were unwilling to dumb down their curriculum. The result was the creation of a large number of degrees that have no natural work markets for degree holders. As a result, colleges, universities, governmental agencies have been fabricating "jobs" to provide these degree holders with work. This has only driven up costs in education, government, and anywhere these useless jobs appear. The result of all of this has been the ghettoization of the academe between the higher IQ individuals in the STEM fields and the lower IQ individuals outside of those degrees. The costs of a college education have also risen due to the 7-times increase in administrative college and university payrolls while the professoriate has shrunk in many ways. These costs added to the costs created when the now wealthy Boomers returned to college with their children and demanded the facilities be upgraded, food service be upscaled, and recreational opportunities be maximized. The Boomers were wealthier the less cost-conscious but still did not have the money to pay full tuition, books, room, and board, so the children had to take out loans. Over the decades, the dumbing down of the curriculum, the focus on improved facilities and easy grading all came from a new mantra the student is the customer, and the customer is always right. The result was rapidly declining rigor, minimal homework, lavish facilities, and a shift in focus from education to the feelings of the young dilettantes attending college. The recipe was a recipe for disaster. The colleges have sown the wind and are now beginning to reap the whirlwind. Like nearly every other area of human endeavor, we seem to be at the end of the current model. The old factory floor education model is dead. There are no factories, at least not with workers in need of managing. It seems odd, but we continue to manufacture about 30% of the World's manufactured goods on a value-added basis, but few still have factory jobs. This decline will continue just as it has with agriculture jobs since the dawn of the Industrial Revolution. The cure for our problems with colleges and universities cannot happen until we allow the new socio-economic-political-work-employment models to emerge. This is because the education model must be crafted to create graduates who can fulfill the needs of these models. Reforming education before we know the new models will not work since it is unlikely to meet the needs of the new employers. Big offices may be in the past, says Barclays boss
One can only hope that this change has a widespread effect on the industry. As I have been saying for more than a decade, the likelihood is that businesses in the 21st century will go from hundreds of thousands of employees to thousands or even hundreds of employees. The first step would be to vacate the incredibly expensive high rise office buildings in places like New York or London and let workers work from wherever they wanted. Yes, that might require some occasional travel for workers in the new diaspora, but this is not particularly difficult in the modern age with teleconferencing and low-cost air travel. The second step is to convert employees to independent contractors. The final step is to minimize the number of employees of the business to the absolute minimum while expanding the number of independent contractors. This will require an increasing amount of computer control of workflow, combined with algorithms to determine quality of the independent contractor's (IC) work product and continually negotiate pay with the IC The demographers over at Newgeograpy have noted that many people living in the cities want to leave. The first step would be to move to the suburbs. The second step would be to move to the exurbs. The final step would be to move to rural lands. The benefit to the businesses is lower cost and the elimination of moving and other similar expenses. The benefit to the employee is greater control over the work environment, lower cost of living, the ability to live where you wish not where the workplace is located. The progressive left will be strongly opposed to these changes. The current system of highly regulated business employment and unionization of employees benefits the Democratic Party and the political left. A transition out of this system will be seen as a problem for the left politically and financially, so they will fight this change. In the end, because both the employers and employees want this change, they left will lose the fight. The article below points out interrelated issues and why so many young people want these changes. Life and Work in a time of Pandemic 'GIVE PEOPLE BACK THEIR GODDAMN FREEDOM': Elon Musk bashes US shelter-in-place orders as 'fascist,' says they're 'forcibly imprisoning' people in their homes
The question is becoming are we or are we not a fascist nation? The progressive governors seem to believe we are a fascist nation. It is time to beging to subject these petite fascists to recall petitions. It is time for America to take back our liberty, and reassert our independence. It is time to Declare our Independence from these tyrants. "Declaration of Independence In Congress, July 4, 1776. The unanimous Declaration of the thirteen united States of America, When in the Course of human events, it becomes necessary for one people to dissolve the political bands which have connected them with another, and to assume among the powers of the earth, the separate and equal station to which the Laws of Nature and of Nature's God entitle them, a decent respect to the opinions of mankind requires that they should declare the causes which impel them to the separation. We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness.--That to secure these rights, Governments are instituted among Men, deriving their just powers from the consent of the governed, --That whenever any Form of Government becomes destructive of these ends, it is the Right of the People to alter or to abolish it, and to institute new Government, laying its foundation on such principles and organizing its powers in such form, as to them shall seem most likely to effect their Safety and Happiness. Prudence, indeed, will dictate that Governments long established should not be changed for light and transient causes; and accordingly all experience hath shewn, that mankind are more disposed to suffer, while evils are sufferable, than to right themselves by abolishing the forms to which they are accustomed. But when a long train of abuses and usurpations, pursuing invariably the same Object evinces a design to reduce them under absolute Despotism, it is their right, it is their duty, to throw off such Government, and to provide new Guards for their future security.--Such has been the patient sufferance of these Colonies; and such is now the necessity which constrains them to alter their former Systems of Government. The history of the present King of Great Britain is a history of repeated injuries and usurpations, all having in direct object the establishment of an absolute Tyranny over these States. To prove this, let Facts be submitted to a candid world. He has refused his Assent to Laws, the most wholesome and necessary for the public good. He has forbidden his Governors to pass Laws of immediate and pressing importance, unless suspended in their operation till his Assent should be obtained; and when so suspended, he has utterly neglected to attend to them. He has refused to pass other Laws for the accommodation of large districts of people, unless those people would relinquish the right of Representation in the Legislature, a right inestimable to them and formidable to tyrants only. He has called together legislative bodies at places unusual, uncomfortable, and distant from the depository of their public Records, for the sole purpose of fatiguing them into compliance with his measures. He has dissolved Representative Houses repeatedly, for opposing with manly firmness his invasions on the rights of the people. He has refused for a long time, after such dissolutions, to cause others to be elected; whereby the Legislative powers, incapable of Annihilation, have returned to the People at large for their exercise; the State remaining in the mean time exposed to all the dangers of invasion from without, and convulsions within. He has endeavoured to prevent the population of these States; for that purpose obstructing the Laws for Naturalization of Foreigners; refusing to pass others to encourage their migrations hither, and raising the conditions of new Appropriations of Lands. He has obstructed the Administration of Justice, by refusing his Assent to Laws for establishing Judiciary powers. He has made Judges dependent on his Will alone, for the tenure of their offices, and the amount and payment of their salaries. He has erected a multitude of New Offices, and sent hither swarms of Officers to harrass our people, and eat out their substance. He has kept among us, in times of peace, Standing Armies without the Consent of our legislatures. He has affected to render the Military independent of and superior to the Civil power. He has combined with others to subject us to a jurisdiction foreign to our constitution, and unacknowledged by our laws; giving his Assent to their Acts of pretended Legislation: For Quartering large bodies of armed troops among us: For protecting them, by a mock Trial, from punishment for any Murders which they should commit on the Inhabitants of these States: For cutting off our Trade with all parts of the world: For imposing Taxes on us without our Consent: For depriving us in many cases, of the benefits of Trial by Jury: For transporting us beyond Seas to be tried for pretended offences For abolishing the free System of English Laws in a neighbouring Province, establishing therein an Arbitrary government, and enlarging its Boundaries so as to render it at once an example and fit instrument for introducing the same absolute rule into these Colonies: For taking away our Charters, abolishing our most valuable Laws, and altering fundamentally the Forms of our Governments: For suspending our own Legislatures, and declaring themselves invested with power to legislate for us in all cases whatsoever. He has abdicated Government here, by declaring us out of his Protection and waging War against us. He has plundered our seas, ravaged our Coasts, burnt our towns, and destroyed the lives of our people. He is at this time transporting large Armies of foreign Mercenaries to compleat the works of death, desolation and tyranny, already begun with circumstances of Cruelty & perfidy scarcely paralleled in the most barbarous ages, and totally unworthy the Head of a civilized nation. He has constrained our fellow Citizens taken Captive on the high Seas to bear Arms against their Country, to become the executioners of their friends and Brethren, or to fall themselves by their Hands. He has excited domestic insurrections amongst us, and has endeavoured to bring on the inhabitants of our frontiers, the merciless Indian Savages, whose known rule of warfare, is an undistinguished destruction of all ages, sexes and conditions. In every stage of these Oppressions We have Petitioned for Redress in the most humble terms: Our repeated Petitions have been answered only by repeated injury. A Prince whose character is thus marked by every act which may define a Tyrant, is unfit to be the ruler of a free people. Nor have We been wanting in attentions to our Brittish brethren. We have warned them from time to time of attempts by their legislature to extend an unwarrantable jurisdiction over us. We have reminded them of the circumstances of our emigration and settlement here. We have appealed to their native justice and magnanimity, and we have conjured them by the ties of our common kindred to disavow these usurpations, which, would inevitably interrupt our connections and correspondence. They too have been deaf to the voice of justice and of consanguinity. We must, therefore, acquiesce in the necessity, which denounces our Separation, and hold them, as we hold the rest of mankind, Enemies in War, in Peace Friends. We, therefore, the Representatives of the united States of America, in General Congress, Assembled, appealing to the Supreme Judge of the world for the rectitude of our intentions, do, in the Name, and by Authority of the good People of these Colonies, solemnly publish and declare, That these United Colonies are, and of Right ought to be Free and Independent States; that they are Absolved from all Allegiance to the British Crown, and that all political connection between them and the State of Great Britain, is and ought to be totally dissolved; and that as Free and Independent States, they have full Power to levy War, conclude Peace, contract Alliances, establish Commerce, and to do all other Acts and Things which Independent States may of right do. And for the support of this Declaration, with a firm reliance on the protection of divine Providence, we mutually pledge to each other our Lives, our Fortunes and our sacred Honor." Cyberscammers: Pay Up or We’ll Infect Your Family With Coronavirus
Sadly, the FBI has fallen to its nadir. We should expect incompetence and be pleasantly surprised if they prove otherwise. |
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