Honest Innovation and the Free Market

I recently discovered the TV Show “Shark Tank”.  It is a great show where everyday Americans get to pitch their business to successful entrepreneurs for an investment and a chance at success.  Today I watched one of the most heartwarming stories I have ever seen.

Mr. Georges is an honest hard working American.  He makes a $1 profit off of each tree-tee-pee roughly 50% of the cost to make it.  His honest concern is in helping farmers.  I had tears in my eyes when his bid was picked up a small $150,000 for 20% of his company.
Good luck to you Mr. Georges.  You have a good product and a good idea.
This vision of Mr. Georges is an example of what American capitalism is all about.  Here is a man who has an idea on how to help others, puts his name on it, sells it for a small profit and with  lot of hard work and honesty makes a difference.  It is a great example of how individuals make a difference where the government cannot, water conservation laws can only do so much but a cheap product can cut your water use down by 66% that is a world of difference.  
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Happify

As I have already written on a number of occasions, I am preocupied with happiness.  Last week there was a short little piece on Lifehacker discussing the web program Happify.  The original article can be found here.

I have registered for Happify and will be making my own evaluation over the coming weeks.  In the mean time you can always register with happify and see for yourself.
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Happify

As I have already written on a number of occasions, I am preocupied with happiness.  Last week there was a short little piece on Lifehacker discussing the web program Happify.  The original article can be found here.

I have registered for Happify and will be making my own evaluation over the coming weeks.  In the mean time you can always register with happify and see for yourself.
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The mystery that is cancer

Growing up with a mother who works in the Cancer Treatment field has given me a great amount of respect and interest in the mystery that is Cancer.  In 1998 I lost one of my greatest heroes, my grandfather, in his battle with cancer.  While personally I never thought we would beat cancer as a whole since to me it made sense that it would just happen it isn’t a disease its a mutation of your cells.

It would appear that other scientists have the same view. Mother Jones (I know, I know) has a great piece that I encourage everyone to read.
I found it interesting that I am 64% more likely to get cancer than my wife based on height alone.  I guess that is a curse of being tall, my brother is apparently 32% more likely than myself.  Its the things you just don’t think about normally.
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Retired Raven Rolando McClain Says He Had Dark Thoughts & ‘Felt Like Aaron Hernandez’ « CBS Baltimore

Retired Raven Rolando McClain Says He Had Dark Thoughts & ‘Felt Like Aaron Hernandez’ « CBS Baltimore.

Mr. Mclain despite his arrest and bad tendencies is a perfect example of what a role model should be.  He realized he was in a bad place, he realized he was heading down the wrong path and he did something about it.

I pray he finds solace and gets his life in order.  The fact he voluntarily removed himself from the game in order to get himself straight is a credit to his own self control.

Good Luck to him.

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Retired Raven Rolando McClain Says He Had Dark Thoughts & ‘Felt Like Aaron Hernandez’ « CBS Baltimore

Retired Raven Rolando McClain Says He Had Dark Thoughts & ‘Felt Like Aaron Hernandez’ « CBS Baltimore.

Mr. Mclain despite his arrest and bad tendencies is a perfect example of what a role model should be.  He realized he was in a bad place, he realized he was heading down the wrong path and he did something about it.

I pray he finds solace and gets his life in order.  The fact he voluntarily removed himself from the game in order to get himself straight is a credit to his own self control.

Good Luck to him.

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Why don’t we know exactly how many people have signed up for insurance through Healthcare.gov

The question has been asked repeatedly as to why we don’t know how many people signed up for insurance.  After all when Apple releases a new phone they can tell the exact number sold per day every day from the launch.  Amazon can track the number of books sold every day and even the number per book.

So why can’t we get the number the actual success rate of http://www.healthcare.gov

CBS might have the answer.  October 1, six individuals total.  http://www.cbsnews.com/8301-18563_162-57610328/obamacare-enrollments-got-off-to-very-slow-start-documents-show/.

Yep that is 6, not 60, not 600, not 6,000.

Ouch.

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The very personal cost of the Affordable Care Act

Forbes reports that 93 Million people were going to lose their insurance due to the affordable care act, something that the administration knew going back to 2010.  The report comes from Administrative internal data see here :http://www.gpo.gov/fdsys/pkg/FR-2010-06-17/pdf/2010-14488.pdf.

Page 18 has most of the information you would need.

Bottom line everybody knew that a substantial number of Americans were going to lose their Health Care Coverage, their Doctors, their low premiums.  I copied the government report to my google drive account just in case of another shut down.
Now of course the 69 % doesn’t necessarily mean they will lose coverage all together.  What it does mean is that for those individuals at the bare minimum would be losing the plan they had.  In many cases employers would be assisting with a new plan.  This however neglects the already been documented by the hundreds of thousands who have lost their insurance through their employer.  For these people they are now on their own or will be come January 1.
Let’s cease the talk about the individual mandate and the penalties for avoiding it.  Instead lets focus on the real life catastrophe that was created when the House under the Leadership of Representative Nancy Pelosi passed the Affordable Care Act without a single Republican vote.  Millions of people, not hundreds of thousands, but millions are losing their health insurance.
The report estimated that 93 million Americans would lose their insurance.  A more conservative estimate is 30 million, this on the data that roughly half the population has insurance through their employer and that 20% would lose that all together.  so lets just go with 30 million its the low number its roughly 10% of the United States population.  Maybe a better perspective is required though.  from 2012 census data we know that MN has a population of roughly 5.3 million.  So really we are looking at almost 6 States worth of citizens who are now without insurance.  
So 6 states just lost their insurance.  This was the cost of making insurance available for everybody.  But this shouldn’t be a problem right.  After all Health and Human Services as well as the President, and Minority Leader Pelosi, and of course distinguished Sentors have pointed out that the plans you can get now are better, often cheaper and when they aren’t cheaper many will qualify for Government subsidies on the cost.
So lets just take a look at some of these cheaper plans that are now available.
Again courtesy of Forbes 
According to the Commonwealthfund insurance premiums rose 62% between 2003 and 2011.  Contrast that with the stories of people who are getting the sticker shock of the new plans.  http://www.breitbart.com/InstaBlog/2013/10/28/Californians-Experience-Obamacare-Sticker-Shock.  The Bronze plan the lowest plan is a 65% increase over the 2013 costs.  Think about that this isn’t a marginal increase this is an increase that exceeds the previously measured 8 year span and it happened by a single piece of legislature taking effect.   For the woman who was given the option of the Bronze Plan at 65% increase that is an added cost of roughly $2,300 per year spent on the monthly premium.  Not to mention the added cost of the deductible.  That is real money being taken out of peoples hands, a grand total of $5600 on health insurance per year.  
Worse yet, the so called subsidies available are hardly worth it.  Take a look at this poor student at the University of Minnesota for example.  http://www.theguardian.com/world/2013/sep/30/us-employers-slash-hours-avoid-obamacare  The subsidies barely offer relief for people at all.
It isn’t that Congress and the President had malignant intentions.  They didn’t, theirs was as pure as pure could be in trying to provide insurance for everybody (I say insurance because technically everybody had care).  The problem is the solution used is even worse than the problem.  Instead of making care available to everybody we have made it affordable only to a key few.
Worse now of course is we just took 30,000,000 people minimum and dropped them of their Health Care come January 1.  Even if Congress and the President approve waiving the penalty for those who don’t have insurance we still have the problem of people going bankrupt should disaster strike.  Right now the Government Health Care web site isn’t working.  So these people cannot actually sign up, even those going through paper channels have no choice.  For the healthy they may be able to hold off for a while, just pray they don’t get hit by a bus or get diagnosed with cancer.  For those who had pre-existing conditions for requiring treatment, this could mean something else entirely.  What about the pregnant woman who is losing her health care who is now forced to give birth without insurance coverage because she can’t get through https://www.healthcare.gov or any of the other alternatives.
What about Joe down the street who did manage to get through and only finds out after his first month’s bill in February that he somehow was signed up for a Platinum plan despite signing up for a Bronze plan, or worse he somehow managed to be registered for 3 plans.  This is a serious thing, it is already happening.  http://www.tacticalchess.com/2013/10/more-trouble-with-affordable-care-act.html http://online.wsj.com/news/articles/SB10001424052702304410204579142141827109638
Americans are being left in the lurch.  They are being forced into dangerous financial situations because we turned a deaf ear on their concerns.  It is a shame, because not only does this law not help, but it risks creating an entirely new class of the impoverished.  Ironically while trying to help the poor.
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15 Seconds of fame

If everybody is said to get 15 minutes of fame, my mother and her neighbors have 14:45 left.  

The snippet that was shown is from my mother’s annual pumpkin carving party.  She has been doing this for almost a decade.
Enjoy the spotlight mom.  
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The Playbook of the Enemy

It has been a long time since I read this.  I came across it while conducting training today.  http://www.justice.gov/ag/manualpart1_1.pdf  This is a must read for anybody who doubts we are at war with Al Queda and its offshoots.  This is the outline of exactly what they are all about, it is in their own words and was captured in the home of an Al Queda member in 2000.

Don’t forget it.

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