Warm Southern Breeze

"… there is no such thing as nothing."

Posts Tagged ‘insurance’

Try and stop the rain? How about building infrastructure, instead?

Posted by Warm Southern Breeze on Saturday, July 27, 2019

Extensive flooding in Muscle Shoals, AL in the NW corner of the state, in the spring of 2019

The news article which flows from the NASA story (I know… bad pun) appears below.

But either way, as usual, I’m eager to know your thoughts.

https://earthobservatory.nasa.gov/images/145101/record-setting-precipitation-leaves-us-soils-soggy/

Small Towns Fear They Are Unprepared For Future Climate-Driven Flooding

https://www.npr.org/744203716

—//—

Tennessee River flooding (bottom) contrasted with normal conditions (top) under O’Neal Bridge which joins Colbert (in the south) and Lauderdale (to the north) counties in the Shoals area of NW AL

Some folks talk about a “Green New Deal” as a prospective course of action to remedy (ameliorate) the effects of Climate Change, and to provide economic impetus.

While there may be some merit to some aspects of that now-nebulous idea, there is a much more immediate and concrete need we have in response to Climate Change.

And that is, to build, expand, and repair our Economic Infrastructure in order to reduce – as much as humanly possible – the costly continual damages that are now occurring, and which will continue to occur, because of Climate Change.

When faced with flooding, a proper response is not to try and stop the rain;

it is to build levees, dams, waterways, sluices, ponds, and other hydrological management resources – including pipelines, and other such mechanisms – to prevent the damage that would otherwise occur without implementation of such measures.

Here’s a very real case in point to illustrate that very matter – the North Sea Flood of 1953.

Buid Zeeland, Netherlands 1953 North Sea Flood
Image made by U.S. Agency for International Development (USAID) from a U.S. Army helicopter of the 1953 North Sea Flood in the Netherlands.

Described as the worst natural disaster in Europe in modern times, the flooding occurred over a two-day period January 31 – February 1, and affected Netherlands, Belgium, England and Scotland, with a total of 2551 lives lost, and 1836 in the Netherlands alone.

Dutch losses were particularly enormous, principally because Read the rest of this entry »

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Trump: Who Voted For, And Supports Him?

Posted by Warm Southern Breeze on Saturday, April 21, 2018

Formerly titled, “With Trump WYSIWYG: Who Voted For, And Supports Him?”

African leopard, Panthera pardus pardus, near Lake Panic, Kruger National Park, South Africa, 31 December 2013
Attribution 2.0 Generic (CC BY 2.0), Derek Keats, https://www.flickr.com/photos/93242958@N00/19448654130M

One either loves, or loathes, Donald Trump.

One does not simply “tolerate” him.

He is a divisive political figure.

He is starkly contrasted to former POTUS George W. Bush, who in a May 6, 1999 interview with David Horowitz of Salon magazine, famously said, “I’m a uniter, not a divider.”

Trump is a divider, not a uniter.

For Trump, e pluribus unum means nothing, even though we are the United States of America.

And for those who voted for him thinking he’d change, that he was merely spouting hollow campaign rhetoric, they might as well have asked a leopard to change it’s spots.

With Trump, WYSIWYG.

Specifically, I mean to refer to him in his executive Presidential capacity.

And yet, strangely enough, he has coalesced support from diverse, divergent sub-groups within, and without the GOP. The importance of that feat cannot, and should not be underestimated, glossed over, or minimized, because understanding it is key to political success, especially for Read the rest of this entry »

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BIG INSURANCE Companies Fear Single Payer For ONE Reason

Posted by Warm Southern Breeze on Friday, May 12, 2017

A friend had shared the opening paragraph, upon which I remarked.

My response follows.

“At the risk of stating the obvious, I feel compelled to note that insurance companies do not exist to provide health care. They exist to make money. Big money. Big money at your time of greatest vulnerability. This happens by raising income as much as possible and limiting “risk” as much as possible. Now go ponder the implications.”

—/—

And that is the single greatest reason why a Read the rest of this entry »

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Sodomy: A prime example of what’s wrong with #ALpolitics

Posted by Warm Southern Breeze on Sunday, July 12, 2015

A dear friend who is a long-time retiree, aged 78 years, entire subsistence is from a meager pension (earned from a lifetime of work in a unionized organization), supplemented with a paltry Social Security check.

She’s lived through breast cancer surgery (mastectomy) & reconstruction, other major surgeries (knee replacements) and procedures, and lives in a trailer which she owns, situated upon a lot which she rents. She has resided there many, many years.

To save money, she recently Read the rest of this entry »

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Alabama State Legislature Could Undo DOJ-ADOC Tutwiler Agreement & Force Federal Takeover

Posted by Warm Southern Breeze on Friday, May 29, 2015

To The Reader:
If you are not a regular follower of Alabama politics, some, or perhaps most, of the items mentioned herein may very well be alien to you. Yet even if you are – even to a small extent – an adherent of the same, it very well may still be strange to you. It’s strange to most… save for those who wallow in such mire, namely, the Alabama Legislature and politicians in Alabama.

What I write herein this blog, and this entry in particular, contains fact, and opinion. It’s difficult to NOT have opinion when faced with facts… particularly when innocent lives are at stake. And innocent lives ARE at stake in Alabama.

I ask your indulgence.

From Day One of his first term in office (January 17, 2010) Alabama Governor Robert Bentley’s administration has been pockmarked with allegations of corruption, wrong-doing, violations of Federal Law, incompetence, lies, thefts, and deceptions.

I have written and opined about Governor Bentley’s bald-faced lies from his first campaign for governor (Alabama Governor Bentley Broke 20 Promises From 2010 Campaign), and his propensities and predilections toward falsehoods are well-documented in other news media from his campaign for a second term as governor, and after his re-election.

Examples include:
23-Felony Ethics Count indicted Rep. Mike Hubbard (R-Auburn) re-elected GOP Speaker of the House
Rep. Greg Wren (R-Montgomery) plead guilty to misdemeanor Hubbard-related ethics charge and resigned his House seat
Rep. Barry Moore (R-Enterprise) charged with perjury and false statements related to Lee County grand jury in January in Hubbard case
Moles in GOP Attorney General Luther Strange’s office attempting to corrupt Hubbard’s prosecution
Prison rapes & long-term cover-up of criminal wrongdoing at Julia Tutwiler Prison for Women, and Alabama Department Of Corrections (ADOC)
ADOC purchased on the black market medicines to be misused for execution, which the FDA seized
ADOC neglected prisoners’ minor healthcare problems, which lead to their death
Legislature reneged repayment on money “borrowed” from Alabama Trust Fund

Facing an immediate General Fund Budget shortfall of $250 Million, and a projected $750 Million long-term deficit, shortly after re-election to a second term, Governor Bentley reneged on a campaign promise to not raise taxes. The most fearfully pressing of the concerns remains the prospects of a Federal take-over of the Alabama Department of Corrections (ADOC). At 200% capacity, and grossly understaffed, the ADOC is still teetering upon the precipice of a Federal take-over by the Department of Justice. The DOJ took over California’s Prison System with with much less overcrowding, approximately 140%.

The DOJ sent Governor Bentley a 36-page “love letter” dated January 17, 2014 which was entitled Investigation of the Julia Tutwiler Prison for Women and Notice of Expanded Investigation in which they detailed numerous counts of prisoner abuse, sexual abuse of prisoners, criminal activity by guards upon inmates, and other horrific crimes against humanity.

USDOJ Tutwiler ADOC Findings 1-17-14

Only today, Governor Bentley crowed about reaching a 65+ page Settlement Agreement with the DOJ in which ADOC and the State of Alabama promised to “implement all policies and procedures required by the agreement within nine months of the effective date of the Agreement,” and which “will terminate when Defendants have achieved substantial compliance with each provision of the Agreement, and have maintained substantial compliance for three consecutive Court-filed compliance reports.”

ADOC-DOJ-Settlement-Package-05-28-15

While there is a nine month implementation time line, there is a possibility of Read the rest of this entry »

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“No, Dr. Bentley, we are in no way prepared for Ebola.”

Posted by Warm Southern Breeze on Friday, October 10, 2014

Pippa Abston, MD, PhD, is considered by many, to be the preeminent, board-certified general pediatric physician in the Tennessee Valley, and is author of the following commentary, written in response to a news item entitled “Ebola hasn’t surfaced in Alabama but state ready, Gov. Bentley says,” published October 08, 2014 at 9:03 AM, updated October 08, 2014 at 12:59 PM at http://www.al.com/news/index.ssf/2014/10/gov_robert_bentley_on_ebola_vi.html.

In his press conference, Governor Bentley said, “In the event that Ebola spreads to Alabama, we are ready and we are prepared to respond.”

Thursday, 9October2014, 6:18am

By Pippa Abston, MD, PhD

Governor of Alabama, Dr. Robert Bentley, MD makes a Press Conference Wednesday, 08October2014 to assert Alabama state readiness for Ebola virus.

Alabama Governor, Dr. Robert Bentley, MD (a retired dermatologist) holds a Press Conference Wednesday, 08 October 2014 purporting to assert state readiness for the Ebola virus.

No, Dr. Bentley, we are in no way prepared.

First and most seriously, people lack insurance or have high co-pays/ deductibles, so they will delay going to the doctor or ER and expose others in the meantime.

Second, our public health infrastructure is underfunded and understaffed.

A couple of years ago I let the local HD (Health Department) know about a new viral syndrome I was seeing, which needed Read the rest of this entry »

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More Hobby Lobby Store Hypocrisy: Investigation finds close ties to creepy resigned Southern minister sex molester

Posted by Warm Southern Breeze on Wednesday, July 2, 2014

This just gets creepier and creepier.

In light of these recent revelations, perhaps the SCOTUS might want to vacate their decision.

http://www.motherjones.com/print/255256

Mother Jones

Hobby Lobby Funded Disgraced Fundamentalist Christian Leader Accused of Harassing Dozens of Women

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Perspective – By the Numbers: How has Job Loss under Governor Bentley & the GOP affected Alabama?

Posted by Warm Southern Breeze on Monday, April 14, 2014

It’s easy to talk about “the jobs situation” in Alabama. It’s especially easier to talk about it when it doesn’t affect you… directly. It’s like armchair quarterbacking.

There’s probably much truth to the statement that Alabama’s legislators aren’t directly affected by job loss in the state. They have jobs. As musician Steve Miller sang in his song “Take the Money and Run,” they make their “living off other people’s taxes.” That goes for Republicans AND Democrats. Such an observation, of course, is not to demean those who do “make their living off other people’s taxes,” because our military, public safety and others vital to our local, state and national well-being are among them. It is however, an acknowledgment of, and call to responsibility – not merely accountability – because accountability is the only remnant once responsibility has departed. And that is how the “Blame Game” is played.

In the previous entry entitled “Analysis – Examining the Record: Is Alabama Governor Bentley a “Jobs Creator” or a Drag on the State Economy?,” we looked at facts & figures about job loss & job creation during Governor Bentley’s administration.

In this entry, we examine some details on the extent of the damage done to families & individuals under his administration.

And so, let’s again refer to some previously-mentioned facts & figures, and introduce some new ones so that we can better understand the nature, scope and and extent of the situation, and corresponding problems Read the rest of this entry »

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It’s all about the money… says Hobby Lobby Store Lawyer Paul D. Clement to SCOTUS.

Posted by Warm Southern Breeze on Friday, March 28, 2014

Here, all along, we’ve been made to believe that Hobby Lobby Stores, Inc. – a privately held firm headquartered in Oklahoma City, Oklahoma, which boasts themselves “as a major private corporation in Forbes and Fortunes list of America‘s largest private companies,” – objects on religious grounds (even though their owners are Protestant) to providing insurance coverage to their employees, which insurance includes coverage for female contraceptives.

Here is their attorney – Paul D. Clement, himself the 43d former Solicitor General of the United States – arguing their case:

Sebelius v. Hobby Lobby Stores, Inc.
Docket Number: 13-354
Date Argued: 03/25/14 Read the rest of this entry »

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Alabama Medicaid Incompetency: State must repay Federal Childrens Health Insurance Program $88,197,498

Posted by Warm Southern Breeze on Friday, December 20, 2013

Did you know? (No, you probably didn’t.)

In a report dated August 2013, the Department of Health and Human Services Office of Inspector General (HHS OIG) conducted a criminal and administrative investigation and found that Alabama claimed, and was paid millions in unallowable performance bonus payments under the Children’s Health Insurance Program Reauthorization Act (CHIRPA).

This FRAUD was because of INCOMPETENCY in Alabama governance.

The HHS OIG found that the Alabama state agency overstated its FYs 2009 and 2010 current enrollment in its requests for bonus payments. The State agency overstated its current enrollments because, rather than Read the rest of this entry »

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American Entitlement Culture

Posted by Warm Southern Breeze on Thursday, October 10, 2013

Recently, I happened across an item which read “When they analyze the demise of western society due to the entitlement epidemic, it’ll trace back to giving kids awards just for showing up.”

Of course, it can sometimes be difficult to discern sarcasm when reading, and I rather suspect there is at least a smidgen of sarcasm in that brief remark.

Sarcasm, of course, can, and is often used to convey a truth, or truths about numerous subjects, and is a teaching tool, as well.

Because I often use dictionaries to aid my understanding, I chose to look up the definition of the word “entitlement.” Here’s what I found:
As a verb, to “entitle” is to give someone a legal right, or a just claim to receive or do something.

For example, in the United States, the First Amendment is an entitlement to Read the rest of this entry »

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God is punishing Oklahoma with tornadoes.

Posted by Warm Southern Breeze on Saturday, June 1, 2013

Recently, Moore, OK was devastated by a mile-wide twister.
Serves ’em right.
God hates fags.
Our government should do nothing.
Everybody knows, this is an act of God.
God is punishing Oklahoma for their wickedness.
This is purely a religious matter, and government should get out of the way.
This has NOTHING to do with climate change.
Insurance companies should cancel & deny coverage.
They have that right.
Tough luck.
Suck it up.
Oh… wait.
It was.

The reader should understand, this is PURE SARCASM.

What is sarcasm?

Simply put, sarcasm is Read the rest of this entry »

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Growing America’s Middle Class and Increasing Profitability

Posted by Warm Southern Breeze on Tuesday, January 22, 2013

Some time ago, a friend shared an unsolicited comment about “ObamaCare” before all the ruckus over it had reached the SCOTUS. He had observed about a fellow he knew and described as “a snaggle-toothed Tennessee hillbilly,” whom had joined the United States Army. He observed that the fellow had some health needs, among them poor dentition and the need for corrective lenses. Upon his enlistment, he noted that the fellow was given proper healthcare, and all of his needs – food, clothing, housing, and healthcare – was provided by the United States government.

“Now, why did they do that?,” he asked rhetorically.

Answering his own question, he said quite simply, “because they know Read the rest of this entry »

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Corporate Citizens Discover Bad-Mouthing Policy is Bad for Business

Posted by Warm Southern Breeze on Sunday, December 9, 2012

Papa John’s, Applebee’s And Others Pay Huge Price For Anti-Obamacare Politicking

Op/Ed
12/04/2012 @ 5:18PM

by Rick Ungar, Contributor

Writing from the left on politics and policy.

47th Annual Academy Of Country Music Awards - Arrivals

LAS VEGAS, NV – APRIL 01: Papa Johns Pizza Founder John Schnatter arrives at the 47th Annual Academy Of Country Music Awards held at the MGM Grand Garden Arena on April 1, 2012 in Las Vegas, Nevada. (Photo by Jason Merritt/Getty Images)

It turns out that being a good corporate citizen is as important to selling pizzas as the thinness of the crust or the quality of the cheese.

If you don’t believe it, just ask Papa John CEO, John Schnatter.

As covered—and criticized—in this column in great detail, Mr. Schnatter decided to mix his politics with his pepperoni when suggesting that he would be cutting the work hours for Papa John employees in order to bring them below the 30 hour per week threshold that would require Schnatter to provide his employees with healthcare benefits.

It turns out, the pizza eating public did not approve.

Indeed, so serious was the reaction that Schnatter was forced to publish an op-ed piece where he sought to convince us that he never really intended to cut back worker hours but had simply been speculating on what he might do in response to the legislation.

According to YouGov BrandIndex,  a leading marketing survey that measures brand perception in the marketplace (called “Buzz”), Papa John’s had good reason for concern as the pizza chain’s brand identity has plummeted from a high of 32 on election day, to a remarkably low score of 4 among adults who have eaten at causal dining restaurants during the past month.

Ouch.

Papa John is not alone in his anti-Obamacare misery.

Fast food server, Applebee’s, possessed a healthy Buzz score of 35 before Zane Terkel, CEO of one of the company’s largest franchisees, appeared on television to Read the rest of this entry »

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Alabama Governor Bentley Refuses to Help State’s Citizens

Posted by Warm Southern Breeze on Friday, November 16, 2012

Not only are you, Governor Bentley, an embarrassment to the state and nation, but as a physician, you discredit the healing arts & profession, and contribute to sickness, disease and ill health of the people of the great state of Alabama.

Feds allow more time on health insurance exchange decision, but Alabama Gov. Robert Bentley says no thanks

By Kim Chandler | kchandler@al.com
on November 16, 2012 at 12:07 PM, updated November 16, 2012 at 5:35 PM

AL Gov Robert Bentley

Alabama Governor Dr. Robert Bentley, MD (R), adamantly refuses to help the state’s citizens by making a list of health insurance carriers, called an “exchange.” – (AP photo)

MONTGOMERY, Alabama — At the request of some GOP governors, the federal government is giving states another month to decide if they want to run a state-based health insurance exchange.

Gov. Robert Bentley is saying no thanks to the extra time, saying his decision stands to not set up a state exchange.

“The extension from HHS did not change the governor’s decision,” Bentley Press Secretary Jennifer Ardis said in an e-mail.

Bentley, as other GOP governors have done, announced Tuesday that he would not set up a state exchange under the Affordable Care Act.

Bentley made the announcement official in a two-sentence letter today to HHS Secretary Kathleen Sebelius.

“This letter serves as official notification that Alabama will not be setting up a state-based health insurance exchange, nor do I intend to pursue a partnership exchange,” Bentley wrote.

Today had been the deadline for states to decide whether they want to set up and run their own state exchange, essentially a marketplace for people and businesses to shop for insurance with some people getting subsidies to offset their costs.

Sebelius sent a letter Thursday to Gov. Bobby Jindal of Louisiana and Gov. Bob McDonnell of Virginia saying that deadline has been extended until Dec. 14.

The governors, on behalf of the Republican Governors Association, had requested more time to make a decision, according to the letter from Sebelius. Both Jindal and McDonnell have said they don’t plan to set up an exchange.

“We are confident Governors will have enough time to Read the rest of this entry »

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Alabama Governor Robert Bentley Defies Federal Law, Refuses to Establish Healthcare Insurance Exchange for Citizens

Posted by Warm Southern Breeze on Tuesday, November 13, 2012

Governor Bentley is pulling a George Wallace stand-in-the-schoolhouse-door redux.

What an ignorant ass he is!

It’s exceedingly sad that he – as a physician – ordered Alabama’s 67 Counties Departments of Public Health to STOP giving Tuberculosis tests, thereby jeopardizing the public health of everyone who eats at a public restaurant, works in healthcare, and more – and was done as super-virulent, drug-resistant strains of tuberculosis are emerging. Gee, thanks, Governor Dr. Bentley. NOT!

Thanks for nothing, you jack-legged nincompoop!

By your defiant actions, Governor Bentley, you will FORCE the Federal Government to do something TOTALLY against your opinion – and that is, to establish a Health Insurance Exchange in Alabama.

You, Governor Bentley, are a lazy, sorry, idiotic jerk, in addition to being a liar, thief, incompetent boob, and contemptuous good-for-nothing.

Pejoratives aside, more than anything, this places the solitary onus of responsibility upon the governor and legislature to 1.) Increase education,; 2.) Increase employment; 3.) Increase Corporate Income Tax rates; and 4.) Increase Personal Income Tax rates on the wealthiest Alabamians who already pay a well-documented rate that is significantly lower than the impoverished.

By increasing educational attainment in Alabama, the governor will be demonstrating a high-quality, high-yield investment in the state’s most precious resource – people.

But the governor – bless him – is ignorant, and it is quite painfully obvious that he just doesn’t understand such simple concepts. He should understand them, however, because he has said previously, that he used the G.I. Bill to complete his medical training after his enlistment ended.

In stark contrast, Tennessee’s Republican governor, Bill Haslam said, “I’ve always said from the very beginning that anything we [Tennessee] can run instead of the federal government, we are going to run it better and cheaper,” The simpler thing to do is to say, ‘Here, it’s your idea, you run it,’ but I’m not convinced yet that that’s what’s best for our citizens. There’s going to be an exchange and ultimately, our citizens — through their insurance companies — are going to pay for the costs of running that exchange. So who do we think can run it cheaper: us or the federal government? I’ll bet on us every time. But we have to be convinced that the flexibility they will give us is worth taking the risk of running it ourselves.”

For the benefit of the reader who may be unaware of what an Insurance Exchange is, the exchange is designed to allow uninsured people to compare and buy health insurance plans through a single Internet portal. Those who earn up to four times the federally designated poverty level will receive subsidies to pay for the coverage.

Essentially, it’s an Internet-based non-business (nobody is making any money), that creates a database of health insurance carriers that all adhere to certain guidelines for efficiency and coverage. The law allows states to join together to run multi-state exchanges – essentially, insurance across state lines – or to exclude themselves.

In essence, make a list of companies that sell health insurance in the state, make a comparison of their plans and prices, and provide a link to the company for folks to buy insurance from whatever company they want.

Not too difficult to figure out, eh?

Here’s a link to an informative flyer from the Henry J. Kaiser Family Foundation about what Health Insurance Exchanges are, and what they do.

You may also be interested in reading the informative site http://healthreform.kff.org.

 

Gov. Bentley says Alabama won’t set up exchange, expand Medicaid

By Kim Chandler | kchandler@al.com
on November 13, 2012 at 1:38 PM, updated November 13, 2012 at 5:19 PM

Bentley, in a show of continued resistance to the Affordable Care Act,  said this afternoon that he will not set up a state health care exchange and he will not expand Medicaid under the federal healthcare overhaul.

Alabama Governor Bentley speaks at luncheon

Alabama Governor Robert Bentley speaks at the Birmingham Business Alliance 2012 Governor’s Luncheon in Birmingham, Ala., Tuesday, Nov. 13, 2012. (Tamika Moore | tmoore@al.com) / Tuesday, November 13, 2012 1:17 PM

“I will not set up a state exchange in Alabama,” Bentley said during a speech to the Birmingham Business Alliance.

States have a Friday deadline to inform the  U.S. Department of Health and Human Services  if they plan to set up a state-run exchange, essentially a marketplace for people and businesses to shop for insurance. If states don’t set up their own exchange, either alone or in federal partnership, then the federal government will step in and design it.

Bentley said he has been in communication with other governors  — including peers in Texas, Florida and Louisiana — about the exchange decision.  He expected multiple governors to show a united front of resistance to the Affordable Care Act.

“If we stand together, I do believe Congress is going to have to look at this again,”Bentley said.

Bentley said he expected other governors to announce similar decisions.

“That will Read the rest of this entry »

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The Theory of Everything

Posted by Warm Southern Breeze on Sunday, October 7, 2012

I’m elated to learn that there is a “Theory of Everything.”

As I delved further into it, I found that Read the rest of this entry »

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Census Bureau: Household Income Inequality Increases

Posted by Warm Southern Breeze on Sunday, September 16, 2012

Can anyone say “Banksters”?

Highlights From Census Report on Income, Poverty and Health Insurance

September 12, 2012, 11:00 AM, By Ben Casselman

The Census Bureau today released its annual report on income, poverty and health insurance, the most detailed look at Americans’ household income. A few early takeaways:

Real income fell

Real income fell

The lost decade continues. Median household income, adjusted for inflation, fell 1.5% in 2011, to $50,054. That’s 8.1% lower than before the recession and 8.9% lower than in 1999.

Inequality rose. Income inequality, as measured by the Gini index, rose 1.6% in 2011 from 2010, the first annual increase since 1993. Other measures of inequality also increased. The top 5% of earners—those making $186,000 or more—received 22.3% of all income in 2011, up from 21.3% in 2010.

Urban residents took the biggest hit to income. Households in principal cities saw their inflation-adjusted income decline by 3.7% in 2011, versus a 2.2% decline for those living in metropolitan areas (including both cities and suburbs). Incomes for those living outside of metropolitan areas were broadly flat. But Read the rest of this entry »

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Taxpayers’ $182B TARP bailout of AIG Now Fully Recovered

Posted by Warm Southern Breeze on Tuesday, September 11, 2012

As the president and others – nonpartisan and partisan alike – have noted, BIG BUSINESS should NOT need a bailout. They should be operated in such a manner as to allow the Free Market to decide how, to what extent, and if they prosper. As part of that process, ironclad and strong regulation to prevent fraud and abuse should be vigorously enforced. And chief executives Read the rest of this entry »

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Today Mitt Romney spoke out of the _?_ side of his mouth, and said:

Posted by Warm Southern Breeze on Tuesday, August 14, 2012

“And you know what he did with it? He’s used it to pay for Obamacare, a risky, unproven, federal takeover of health care.”Mitt Romney

Government estimates say that more than 6,000 jobs statewide and 20 percent of Iowa‘s electricity needs come from wind power, and the state’s senior GOP leaders all support renewing an extension of a wind tax credit that Romney opposes.

Romney’s campaign did not respond to repeated quests for his position on the other portions of the bill, which includes items such as a tax break for developers of NASCAR facilities and purchasers of electric motorcycles.


http://www.businessweek.com/ap/2012-08-14/gop-ticket-faces-growing-pains-as-dems-attack

FACT: The Congressional Budget Office (CBO) has determined that the Patient Protection and Affordable Care Act is fully paid for, Read the rest of this entry »

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Research shows new residential constructions burn faster, but states refuse to require sprinkler systems.

Posted by Warm Southern Breeze on Friday, August 10, 2012

Nozzle Team Attacking on Knees - v

Nozzle Team Attacking on Knees – Photo ©2009, by SouthernBreeze, All Rights Reserved

How does one spell stupid?

Stoopid.

Stewpid.

Stupid.

Now, here’s a thought: What if the mortgage agencies REQUIRED sprinklers in all new construction? That way, they’d completely sidestep the obstinately stupid legislators. Besides, it’d be a way they could protect their investment.

Further, legislators’ assertions  are completely opposite the economic claims they make on other issues. That is, that as the availability of a product increases, the price decreases. So rather than being more expensive, the installation of residential sprinklers would be less expensive because there would be more of them, more competition, more private enterprises arising to meet the need, more jobs, etc.

Honestly, it just seems that, as a rule, Republicans just don’t get it.

New homes burn faster, but states resist sprinklers

1:01am EDT

By Melanie Hicken

NEW YORK (Reuters) – In Scottsdale, Arizona, any new home must come equipped with fire sprinklers, a decades-old rule lauded by fire safety advocates nationwide. But 12 miles away in Phoenix, city officials are not even allowed to discuss adopting a requirement like Scottsdale’s, because of a state law passed last year.

The same is true in Texas, Alabama, Kansas and Hawaii, where in the past four years state governments have enacted bills forbidding cities and towns from requiring sprinklers in new homes. A dozen have forbidden statewide building code councils from including the requirement in their guidelines.

Advocates — including firefighters, fire safety groups and the sprinkler industry — say Read the rest of this entry »

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“TOO BIG TO FAIL” is just BIG enough to rob you blind: How Goldman Sachs robbed an American entrepreneur of $580 Million, and screwed over the American economy in the process

Posted by Warm Southern Breeze on Tuesday, July 17, 2012

Honestly (and some use that word lightly), is there any reason why Banks should NOT be heavily regulated?

Is there any reason why Stock Brokerage Houses should not be similarly heavily regulated?

Is there any legitimate reason why Insurance Companies should not be regulated?

Finally, is there any compelling reason why those BIG THREE financial businesses should be allowed to be in each other’s business?

Why do people NOT see these horrible things?

Where is the disconnect that they’re not able to put 1 + 1 together and come up with 2?

This is FRAUD – FRAUD – FRAUD!!!

And we’re just gonna’ let it slide by?

Please!

July 14, 2012

Goldman Sachs and the $580 Million Black Hole

By LOREN FELDMAN

THE business deal from hell began to crumble even before the Champagne corks were popped.

The deal, the $580 million sale of a highflying technology company, Dragon Systems, had just been approved by its board and congratulations were being exchanged. But even then, at that moment of celebration, there was a sense that something was amiss.

The chief executive of Dragon had received a congratulatory bottle from the investment bankers representing the acquiring company, a Belgian competitor called Lernout & Hauspie. But he hadn’t heard from Dragon’s own bankers at Goldman Sachs.

Dragon 15-GOLDMAN-articleLarge

Janet and Jim Baker at home. They are fighting Goldman Sachs over its work in 2000 on the all-stock sale of their business, Dragon Systems, to a company that later collapsed, leaving them shut out. / Photo: Gretchen Ertl for The New York Times

“I still have not received anything from Goldman,” the executive wrote in an e-mail to the other bank. “Do they know something I should know?”

More than a decade later, that question is still reverberating in a brutal legal battle between Goldman and the founders of Dragon Systems — along with a host of other questions that go to the heart of how financial giants like Goldman operate and what exactly they owe their clients.

James and Janet Baker spent nearly two decades building Dragon, a voice technology company, into a successful, multimillion-dollar enterprise. It was, they say, their “third child.” So in late 1999, when offers to buy Dragon began rolling in, the couple made what seemed a smart decision: they turned to Goldman Sachs for advice. And why not? Goldman, after all, was the leading dealmaker on Wall Street. The Bakers wanted the best.

This, of course, was before the scandals of the subprime mortgage era. It was before the bailouts, before Occupy Wall Street, before ordinary Americans began complaining about “banksters” and “muppets” and “the vampire squid.” In short, before Goldman Sachs became, for many, synonymous with Wall Street greed.

And yet, even today what happened next to the Bakers seems remarkable. With Goldman Sachs on the job, the corporate takeover of Dragon Systems in an all-stock deal went terribly wrong. Goldman collected millions of dollars in fees — and the Bakers lost everything when Read the rest of this entry »

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Health Insurance Rebates – i.e. overcharges you paid for Health Insurance Premiums – on their way back into your wallet, thanks to “ObamaCare”!

Posted by Warm Southern Breeze on Friday, June 22, 2012

A HUGE aspect of “ObamaCare” deals with regulating Health Insurance companies, and one aspect of that business regulation REQUIRES them to use 80% of the premiums for Health Insurance on… HEALTH! Not overhead expenses, not executive compensation, not stockholder payout, not office expenses, not advertising… but HEALTH!

What a novel idea, eh?

As a result, folks are now discovering just how much they’ve been screwed over by Insurance companies.

Remember… those folks DO NOT LOVE YOU.

They LOVE MONEY, and they want yours.

So, they play to your emotions by showing kitty cats, puppy dogs, babies, children, grandma and happy folks as seen through rose-colored glasses & soft-focus filters.

And then, you fall for their seductive pictures.

Once they have their meat-hooks in your wallet, you’re a goner.

Pure & simple.

U.S. health insurers to pay $1.1 billion in rebates: HHS

By David Morgan

WASHINGTON | Thu Jun 21, 2012 3:26pm EDT

(Reuters) – U.S. health insurance companies are due to pay out $1.1 billion in rebates to employers and individuals this summer, under a new industry regulation imposed by President Barack Obama’s health care law, the administration said on Thursday.

But whether the rebates actually reach those recipients depends on if the U.S. Supreme Court strikes down the 2010 Patient Protection and Affordable Care Act in a ruling expected by the end of next week, experts said.

Twenty-six U.S. states have asked the high court to Read the rest of this entry »

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THE SKY IS FALLING! THE SKY IS FALLING! Or… maybe not.

Posted by Warm Southern Breeze on Wednesday, April 25, 2012

Believe it or else, there were opponents to air bags, seat belts and child safety restraints.

Some time, someone will oppose everything… even vanilla ice cream and Mother’s Day.

There are, I suppose, several ways to consider the following.

One could presume the psychotic Chicken Little, paranoid delusional “the-sky-is-falling” approach, or, one could suppose the device is only an extension of someone who cannot tell a lie… or, at least is very difficult to deliberately fabricate falsehood.

And then, there’s something in the middle.

I would imagine that’s where the truth resides.

A Black Box in Your Car?

By Sam Favate, April 23, 2012, 1:40 PM

If you thought having EZ Pass in your car would make it too easy for the government to track you, you ain’t seen nothing yet.

The Senate passed a bill in March that calls for “mandatory event data recorders” (or black boxes) to be installed in all new passenger motor vehicles, starting with the 2015 models, and which would record data before, during or after a crash, according to KurzweilAI.net.

The bill, which can be seen here, has a privacy provision but gives the government the authority to access the black box in a number of circumstances, including court order, consent of the owner, an investigation or inspection, or to determine the need for emergency responses.

The same bill would allow the IRS to Read the rest of this entry »

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Healthcare Insurance policy holders to get rebate in FL

Posted by Warm Southern Breeze on Monday, April 16, 2012

Thanks to “ObamaCare,” which requires health insurance companies to spend 80% of health insurance premiums on actual healthcare, instead of CEO compensation, stockholder payout, advertising, overhead, and other non-healthcare delivery, Floridians will be receiving a rebate from the money they were overcharged.

Thanks, President Obama!

Florida health insurers to rebate estimated $113 M

Consumers with individual policies may get $143 to $949 each

April 13, 2012|By Bob LaMendola, Sun Sentinel

Floridians who buy health insurance without the help of an employer can expect estimated rebates of $143 to $949 in August because of the federal health care overhaul.

About 157,000 individuals and families qualify. In addition, an estimated $65 million in health insurance rebates are in line to be split among workers covered at 352,000 small businesses, the Sun Sentinel found by analyzing reports filed this month by 15 of the largest insurers in Florida.

Don’t expect cash back if you get health coverage from an employer of more than 50 workers. Few of their insurers will owe rebates, and many companies are self-insured and not affected by the health law, insurance experts said.

“This is important for consumers,” said Richard Polangin, health care policy coordinator with the advocacy organization Florida Public Interest Research Group. “They already pay extremely high prices for health insurance.”

Individuals don’t need to do a thing to obtain their money. Insurers must notify them by Aug. 1 if they are due a refund and pay that month.

The rebates Read the rest of this entry »

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SCOTUS, PPACA & American Healthcare: Links from Days 1 & 2

Posted by Warm Southern Breeze on Wednesday, March 28, 2012

Naysayers, conservative political pundits and Obama “haters” of all stripe – Radical Republicans, TEA Partiers, White Supremacists, Neo Nazis, et al – have vilified and unified against already-enacted federal legislation that foremost, regulates practices by the Health Insurance industry, such as denial of coverage for children born with certain health conditions, denial of coverage for women with breast cancer, cancelling coverage in the midst of medical treatment, exorbitantly raising premium rates without actuarial justification, denying payment for covered services deemed medically necessary and rendered by qualified physicians or others, and more.

Such practices have been rightly demonized and justly described as onerous by almost everyone, even by the most staunch conservatives. So it remains a great mystery why so many are seemingly straining against what they denigrate as “ObamaCare.”

At least two elements of the law – the so-called Read the rest of this entry »

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Making Health Insurance Obsolete

Posted by Warm Southern Breeze on Friday, March 9, 2012

Make no mistake about it, insurance companies exist to make money.

Regardless of their commercials, they neither care for you, grandma, babies, or puppy dogs… much less love you.

They love money.

In addition to raising premiums, one of the ways they make money is by not paying claims. And I mean to refer to them not paying legitimate claims by weaseling and fenagling out of paying claims such as by denying “pre-existing conditions,” or by making ludicrously asinine assertions, such as “you forgot to fill in line 39,” or something like “we didn’t receive your premium on time,” or something even worse – such as “we don’t insure on Thursdays from noon to 1:30PM.”

If money is a tool which can and ought to be used for the things it can do, then why is it important to maintain a hoard of of it? Tools are utilitarian things, which derive their exclusive value precisely because they are used, not capable of being used. Similarly, money only has value because it is a tool as a medium of exchange.

Insurance, like any other pecuniary enterprise, ought to be regulated precisely because of the risk for fraud is greater than in other businesses. That is, by nature it is more susceptible to deception. Deception in pecuniary enterprise is also known as “theft.”

Nevertheless…

Be certain you read on to learn

How a $1,000 test could destroy the health-insurance industry

Read the rest of this entry »

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Newt Gingrich supported Obamacare before he didn’t support Obamacare

Posted by Warm Southern Breeze on Monday, January 30, 2012

Colloquially, of course, such behavior could be described as either ‘schizophrenic,’ ‘conflicted,’ ‘incompatible,’ or ‘contradictory’.

None of those terms are positive or encouraging. And certainly, none are like the sound of Read the rest of this entry »

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Ending Obamacare

Posted by Warm Southern Breeze on Sunday, January 22, 2012

Among conservatives, there’s little argument that Obamacare should be abolished. ‘It’s time to get government out of our lives,’ they say.

They make many very valid points. Those same folks have expressed concerns that instead, Read the rest of this entry »

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Rand Paul, Conscription, Slavery, & Health Insurance Reform

Posted by Warm Southern Breeze on Saturday, May 14, 2011

Recently, U.S. Senator Rand Paul, a “TEA Party” Republican from Kentucky, and ophthalmologist specializing in cataract and glaucoma surgeries, LASIK procedures, and corneal transplants, was quoted as saying that “a right to healthcare… means you believe in slavery.”

Dr. Paul is the ranking member of the Senate HELP Subcommittee on Primary Health and Aging subcommittee, and made his comments at a Wednesday, May 11, 2011 hearing about emergency room use in American hospitals.

He said that, “With regard to the idea whether or not you have a right to health care you have to realize what that implies. I am a physician. You have a right to Read the rest of this entry »

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Healthcare Reform Addresses Rising Health Care Costs

Posted by Warm Southern Breeze on Monday, February 28, 2011

Healthcare reform is going to happen because it has to. We cannot, as a country, continue to absorb cost increases in healthcare.”
– Cullman (AL) Regional Medical Center CEO, Jim Weidner, Thursday, 24 February, 2011 in his “State of the Hospital” address

The CEO’s address was encouraging, not the least reasons of which were that Read the rest of this entry »

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Congress Passes Socialized Medicine and Mandates Health Insurance

Posted by Warm Southern Breeze on Thursday, January 20, 2011

Does history repeat itself?

Before this article was published, I was engaged in conversation with a friend on a subject wholly unrelated to this topic. As I listened to him he remarked, “Heck, when you join the Army, if your teeth need fixing, they’ll fix ’em. If you need glasses, they’ll put glasses on you. If you need any kind of healthcare, they’ll fix you up. The reason the Army provides healthcare is because they understand they’ll get a better quality soldier.

Interestingly, neither my friend nor his family have a military background.

By extension, I wonder… how much more productive could the American worker be if they didn’t have to be concerned about their and their family’s health and healthcare? And then, if we completely ignore “lifestyle” related health issues. i.e., those associated with smoking or obesity, there are other chronic conditions, including heart disease, hypertension, COPD, etc., that significantly adversely affect the lives of families.

Congress Passes Socialized Medicine and Mandates Health Insurance -In 1798
Jan. 17 2011 – 9:08 pm

Rick Ungar
The Policy Page

http://blogs.forbes.com/rickungar/2011/01/17/congress-passes-socialized-medicine-and-mandates-health-insurance-in-1798/

The ink was barely dry on the PPACA when the first of many lawsuits to block the mandated health insurance provisions of the law was filed in a Florida District Court.

The pleadings, in part, read –

“The Constitution nowhere authorizes the United States to mandate, either directly or under threat of penalty, that all citizens and legal residents have qualifying health care coverage.”

State of Florida, et al. vs. HHS – http://www.scribd.com/doc/39344827/State-of-Florida-v-United-States-Dept-of-HHS

It turns out, the Founding Fathers would beg to disagree.

In July of 1798, Congress passed – and President John Adams signed Read the rest of this entry »

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Friendship, Love, Passion, Politics, Sarcasm and Shoes

Posted by Warm Southern Breeze on Wednesday, January 19, 2011

Friendship, Love, Passion, Politics, Sarcasm and Shoes

Recently, I enjoyed a virtual chat with a dear, long-time friend of mine. We began our friendship, interestingly enough, over a pair of shoes. I needed one, and he had one – pair of shoes, that is – so I bought them from him. He is a skilled tradesman and business owner/entrepreneur, and educated me on what makes a good pair of shoes and boots.

His demeanor impressed me, and we found that we had several common interests – perhaps chief among them music – and a love of Read the rest of this entry »

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House Republicans move to repeal Obama health insurance reforms

Posted by Warm Southern Breeze on Tuesday, January 4, 2011

The alternate title to this entry is rather lengthy.

“I’ll take ‘How to re-elect the President for $1000, Alex.'”

“Answer: House Republicans move to repeal Obama healthcare.”

But before we continue, enjoy a little-known presidential history fact:

Renown presidential historian Michael Beschloss appeared on an episode of The Comedy Channel’s “The Daily Show” with Jon Stewart,  shortly after the November 2010 General Election.

There were many Republicans seats gained in the House of Representatives, leading some pundits to question President Obama’s effectiveness after such a loss.

Mr. Beschloss remarked that “The three presidents in recent times who have had midterm loss like this have been Truman, Eisenhower, Bill Clinton. Every single one of them got reelected.

Let’s examine elements of so-called “ObamaCare” they want to repeal. Read the rest of this entry »

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Welcome to our Incestuous Fiscal Orgy

Posted by Warm Southern Breeze on Thursday, December 16, 2010

On June 1 this year, I had posted a photo and commented about it. The following is that commentary. Though the picture is not necessary to support the entry, it served as a malignant source of inspiration. However, if you simply must see the photograph

Welcome to our Incestuous Fiscal Orgy – State Farm Privacy Policy

Text of the area of the note:
Why are we sending you a Notice of our Privacy Policy?

“Federal law permits banks, investment companies, and insurance companies to Read the rest of this entry »

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WikiLeaks: Insurance Company Internal Documents Show Problems

Posted by Warm Southern Breeze on Tuesday, December 14, 2010

Dear Employees:

It has been brought to management’s attention that some individuals throughout the company have been Read the rest of this entry »

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Insurance costs and health-care reform: Are health insurers making huge profits?

Posted by Warm Southern Breeze on Friday, December 3, 2010

Are health insurers making huge profits?

Mar 5th 2010, 14:15 by M.S.

Warhol dollarYESTERDAY Barack Obama dropped in on Kathleen Sibelius‘s meeting with executives of America’s top five health insurers and read a letter from a constituent. Natoma Canfield, a self-employed house cleaner, had carcinoma 16 years ago; it has been in remission for 11 years. Last year Anthem Blue Cross, who provide her with a high-deductible ($2,500) individual plan, raised her premiums 25%, to $6,075. This year they’re raising them another 40%, to $8,500. Ms Canfield  closes her letter, “Please stay focused in your reform attempts as I and many others are in desperate need of your help.”

There’s no doubt that the Obama health-care reform bill would …Continue…

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Sex, Drugs, and Rock-n-Roll

Posted by Warm Southern Breeze on Thursday, November 4, 2010

Periodically, friends and family come to me seeking understanding about various medical and health related issues, which often includes information about procedures and medications.

And on occasion, I continue to be asked to identify certain medications.

Particularly problematic are the numerous herbs and Over The Counter (OTC) non-prescription remedies that neither treat nor cure, yet proliferate and line the pockets of those unscrupulous enough to market and sell them to the unsuspectingly ignorant.

On one such occasion, I was asked by a friend to identify several foreign concoctions of apparent Asian origin, which I succeed in identifying, though I suspect I merely added levity to our communication. Fortunately, the request wasn’t anything of any seriously substantial nature.

It’s becoming more difficult to identify many items, though I count myself fortunate to have access to the numerous resources I do.

Here’s the text of my response. Perhaps you’ll find it enlightening. …Continue…

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