The Liberal Democrats, the conservative and pro-business party that has controlled Japanese politics since 1955 finally lost to the Democrats. I guess the Democrats are the more more liberal party.
The leader of the Democrats will be forming a new government in the next month and plans to improve relations with other Asian countries, especially China. He has also stated that he wants to maintain the relationship his country currently enjoys with the USA.
With the coming of a new government, and hopefully new mind set to Japan, I think it is time for the USA government to begin renegotiating trade agreements that put the USA and Japan more on equal footing as far as imports and exports goes.
For way too long I believe that the USA has been far to generous to the Asian manufacturing giants of China, Japan, South Korea and Taiwan. Its time for the USA to be on an equal footing.
Maybe more intense trade will allow less outsourcing and bring labor and real competition to the market place. American products need to be upgraded to compete equally with products coming out of Asia.
Since I doubt we will ever get a fair trade agreement with China, Japan is the place to start.
Its Common Sense!
Sunday, August 30, 2009
Replacement for Senator Edward Kennedy
With the death of Senator Edward "Ted" Kennedy, Massachusetts finds itself with one senator in Washington. The state law is that an election will be held 120 to 165 days after the seat is vacated so the citizens of Massachusetts can choose their new senator.
Prior to his death, Senator Kennedy and his associates were trying to get the law changed. What he wanted was the governor to have the ability to appoint a short term replacement to the senate seat until the special election, thus insuring Massachusetts of total representation.
Sounds good and fair. Of course there are some key votes coming up, especially on Health Care Reform, one of Kennedy's key causes for years. I imagine, though I do not know for a fact, that the Senator or one of his associates, provided the governor with a short list of names of those he felt were "qualified" to replace him for the short haul.
Yesterday many of the TV pundits offered the view that the Massachusetts legislative will probably vote to amend the state law and the appointment of an interim senator will be allowed.
Since Kennedy was in office 47 years, and Kerry has a good number of years as well, I guess the Democratic machine of Massachusetts never foresaw this day coming.
The question is, should state law be changed just because the leader of a political dynasty wants it done? Before the Massachusetts legislature amends and /or changes state law, should a referendum be sent to the people of Massachusetts so that they can decide the procedure they want to follow, rather than leave it in the hands of the politicians in Boston who owe favors to various special interest groups?
I think the voters of Massachusetts need to be part of the process of changing this law.
What's your opinion?
Elected officials work for the the people, not vice-versa.
Its Common Sense
Prior to his death, Senator Kennedy and his associates were trying to get the law changed. What he wanted was the governor to have the ability to appoint a short term replacement to the senate seat until the special election, thus insuring Massachusetts of total representation.
Sounds good and fair. Of course there are some key votes coming up, especially on Health Care Reform, one of Kennedy's key causes for years. I imagine, though I do not know for a fact, that the Senator or one of his associates, provided the governor with a short list of names of those he felt were "qualified" to replace him for the short haul.
Yesterday many of the TV pundits offered the view that the Massachusetts legislative will probably vote to amend the state law and the appointment of an interim senator will be allowed.
Since Kennedy was in office 47 years, and Kerry has a good number of years as well, I guess the Democratic machine of Massachusetts never foresaw this day coming.
The question is, should state law be changed just because the leader of a political dynasty wants it done? Before the Massachusetts legislature amends and /or changes state law, should a referendum be sent to the people of Massachusetts so that they can decide the procedure they want to follow, rather than leave it in the hands of the politicians in Boston who owe favors to various special interest groups?
I think the voters of Massachusetts need to be part of the process of changing this law.
What's your opinion?
Elected officials work for the the people, not vice-versa.
Its Common Sense
Afghanistan Election Voter Fraud
We may not know the results of the election in Afghanistan for months to come due to the fact that over 500 counts of voter fraud of one form or another have been reported. All of these reports are going to be investigated and only after that will the results be aired.
On the one hand it is sad that there are that many reports of fraud, but maybe that is just one of the prices a new growing democracy has to face. After all, here in the USA we all know the stories of Boss Tweed in New York and the Daily Machine in Chicago. We also know from our own history how some voters were kept away from the polls, and that in parts of our country there were laws to insure that only the "right" people were able to vote.
What I like about the situation in Afghanistan is that with all of the yelling of corruption and fraud, an investigation is taking place. How intense and thorough the investigation is we will have to wait and see, but at least an effort is being different.
That's a lot different than the recent "democratic" election in Iran where millions of ballots were counted in hours, and protests and shouts of fraud were met with violence.
Afghanistan has a long way to go. What we in the west need to remember is that they need to develop the democracy that is best for them, which is not necessarily what was best for us.
My hope is that our government will increase the amount of educational and reconstruction aide, so that our military commitment decreases as the Afghan people take charge of their lives and future.
Its Common Sense!!
On the one hand it is sad that there are that many reports of fraud, but maybe that is just one of the prices a new growing democracy has to face. After all, here in the USA we all know the stories of Boss Tweed in New York and the Daily Machine in Chicago. We also know from our own history how some voters were kept away from the polls, and that in parts of our country there were laws to insure that only the "right" people were able to vote.
What I like about the situation in Afghanistan is that with all of the yelling of corruption and fraud, an investigation is taking place. How intense and thorough the investigation is we will have to wait and see, but at least an effort is being different.
That's a lot different than the recent "democratic" election in Iran where millions of ballots were counted in hours, and protests and shouts of fraud were met with violence.
Afghanistan has a long way to go. What we in the west need to remember is that they need to develop the democracy that is best for them, which is not necessarily what was best for us.
My hope is that our government will increase the amount of educational and reconstruction aide, so that our military commitment decreases as the Afghan people take charge of their lives and future.
Its Common Sense!!
Friday, August 28, 2009
Tort Reform
As the National Health Care Debate continues, I believe one area that can save a lot of money is if legislation is created that clearly states a patients bill of rights, listing the penalties for physicians and others in the health care industry who commit a crime of negligence, ignorance or stupidity against a patient. This way the patient and health care professional know the penalty, whether it is a fine or banishment depending on the severity of the error.
All of this goes with Tort Reform, which takes attorneys and lawsuits out of medicine. Currently, malpractice insurance is so high in some states that physicians refuse to practice in them.
With standardized penalties, frivolous lawsuits can become a thing of the past and health care professional can dedicate themselves to providing the best treatment for their patients and not be worried about a lawsuit.
I sent the following letter to the President and my representatives regarding Tort Reform.
As always feel free to us any or all of the letter when you write to the President and your representatives.
If we work together and become a single voice we just make Health Care reform a reality.
Its Common Sense!!
Dear Mister President,
I have submitted earlier suggestions regarding the Health Reform legislation and have one more. Tort Reform. Let's get the lawyers out of health care. I believe that the government should set a national standard of penalties for physicians and others in the health care industry who commit crimes, especially of negligence and ignorance against their patients. By establishing a firm set of guidelines, or patients' bill of rights, lawyers and lawsuits could be removed from the medical scene, malpractice insurance could be stabilized and nationalized, and the attorneys and their exorbitant lawsuits could be removed from the picture.
How much health care money can be saved with the removal of attorneys?
You have repeatedly stated that you are against special interest groups, yet the attorney lobby certainly seems to have a big vote on this issue.
Please stick to your guns, drop the special interest, do what is best for the American people and insist that Tort reform is part of National Health Care Reform.
Thank you
Michael Wolfe
All of this goes with Tort Reform, which takes attorneys and lawsuits out of medicine. Currently, malpractice insurance is so high in some states that physicians refuse to practice in them.
With standardized penalties, frivolous lawsuits can become a thing of the past and health care professional can dedicate themselves to providing the best treatment for their patients and not be worried about a lawsuit.
I sent the following letter to the President and my representatives regarding Tort Reform.
As always feel free to us any or all of the letter when you write to the President and your representatives.
If we work together and become a single voice we just make Health Care reform a reality.
Its Common Sense!!
Dear Mister President,
I have submitted earlier suggestions regarding the Health Reform legislation and have one more. Tort Reform. Let's get the lawyers out of health care. I believe that the government should set a national standard of penalties for physicians and others in the health care industry who commit crimes, especially of negligence and ignorance against their patients. By establishing a firm set of guidelines, or patients' bill of rights, lawyers and lawsuits could be removed from the medical scene, malpractice insurance could be stabilized and nationalized, and the attorneys and their exorbitant lawsuits could be removed from the picture.
How much health care money can be saved with the removal of attorneys?
You have repeatedly stated that you are against special interest groups, yet the attorney lobby certainly seems to have a big vote on this issue.
Please stick to your guns, drop the special interest, do what is best for the American people and insist that Tort reform is part of National Health Care Reform.
Thank you
Michael Wolfe
Senator Edward Kennedy - Truth vs Legend
Since his death, people have been eulogizing Senator Ted Kennedy on very network.
At the conclusion of John Ford's "The Man who shot Liberty Valance" the editor of the local newspaper, after hearing the facts of the death of Valance, takes the notes and throws them in a stove saying, I don't have the exact quote but its almost - Sir, this is the west and here when the legend becomes fact we print the legend.
I feel that this has always been the case in regards to the Kennedys, especially the men, with the exception of Joe J. who did not live long enough to create a legend.
I think that when reviewing the lives of the bigger than life characters, one has to look at their entire lives, not just the happy moments. In his later life I do believe that Ted Kennedy did fight for the people, that he was sincere in his desire for health care and rights for the aged, poor and handicapped. I just wonder about his motivation.
We know he was a drunk, a womanizer, and if not a murderer then definitely guilty of negligent manslaughter. He got a free ride on all of these. Where was his punishment? How much of the responsibility of the addictions of his first wife Joan were attributable to Ted and the life style he was leading?
When we look at Ted, as well as his brothers Jack and Bobbie, I think its important that we look at the total man. The strengths and weaknesses, the good and the bad, the positive and the negative.
None of them were saints, but not many of us are.
What needs to be done is look at the total life and contribution they made to their families and society and then make our judgement of who they were.
Its Common Sense!!
At the conclusion of John Ford's "The Man who shot Liberty Valance" the editor of the local newspaper, after hearing the facts of the death of Valance, takes the notes and throws them in a stove saying, I don't have the exact quote but its almost - Sir, this is the west and here when the legend becomes fact we print the legend.
I feel that this has always been the case in regards to the Kennedys, especially the men, with the exception of Joe J. who did not live long enough to create a legend.
I think that when reviewing the lives of the bigger than life characters, one has to look at their entire lives, not just the happy moments. In his later life I do believe that Ted Kennedy did fight for the people, that he was sincere in his desire for health care and rights for the aged, poor and handicapped. I just wonder about his motivation.
We know he was a drunk, a womanizer, and if not a murderer then definitely guilty of negligent manslaughter. He got a free ride on all of these. Where was his punishment? How much of the responsibility of the addictions of his first wife Joan were attributable to Ted and the life style he was leading?
When we look at Ted, as well as his brothers Jack and Bobbie, I think its important that we look at the total man. The strengths and weaknesses, the good and the bad, the positive and the negative.
None of them were saints, but not many of us are.
What needs to be done is look at the total life and contribution they made to their families and society and then make our judgement of who they were.
Its Common Sense!!
Sunday, August 23, 2009
Medicare and Medicaid Reform
With growing disgust I watch the news regarding the Health Care Reform legislation and grow more and more disgusted. As always, the politicians are using the issue for their own purposes, not the health and welfare of their constituents.
I think this reform needs to start small and the government needs to prove they can actually run a program effectively, efficiently and profitably. Therefore, I think the initial reform needs to be limited to Medicare and Medicaid.
With that in mind I sent the following letter to the President and my legislators this morning.
As usual feel free to use any or all of the letter when you contact the President and your legislators.
We have to be vocal and hold our representatives accountable.
Its Common Sense!
Dear Mr. President,
As the Heath Care Reform debate continues, I want to make the following suggestion. Rather than attempt a massive reform that is fueling fears, misinformation, and serious divisions across the country, why not start small?
I suggest that you and your administration reform Medicare and Medicaid and prove to the country that your plan to reform these two programs actually works.
One of the big problems I have with your overall proposal is that you promise to not only reform Medicare and Medicaid but then use the savings from those programs to fund the public health care option.
Like the majority of Americans, I am skeptical that the government can actually manage Medicare and Medicaid effectively, efficiently and profitably.
Therefore, I challenge you to prove me wrong.
Let's take Health Care Reform slowly. Get Medicare and Medicaid running as promised, and then move on to the next part of the reform.
If you want the support of independents like me, then show us the government can actually manage the programs they are currently responsible for, before taking on additional responsibilities, bureaucracy, and probable debt.
Thank you.
Michael Wolfe
I think this reform needs to start small and the government needs to prove they can actually run a program effectively, efficiently and profitably. Therefore, I think the initial reform needs to be limited to Medicare and Medicaid.
With that in mind I sent the following letter to the President and my legislators this morning.
As usual feel free to use any or all of the letter when you contact the President and your legislators.
We have to be vocal and hold our representatives accountable.
Its Common Sense!
Dear Mr. President,
As the Heath Care Reform debate continues, I want to make the following suggestion. Rather than attempt a massive reform that is fueling fears, misinformation, and serious divisions across the country, why not start small?
I suggest that you and your administration reform Medicare and Medicaid and prove to the country that your plan to reform these two programs actually works.
One of the big problems I have with your overall proposal is that you promise to not only reform Medicare and Medicaid but then use the savings from those programs to fund the public health care option.
Like the majority of Americans, I am skeptical that the government can actually manage Medicare and Medicaid effectively, efficiently and profitably.
Therefore, I challenge you to prove me wrong.
Let's take Health Care Reform slowly. Get Medicare and Medicaid running as promised, and then move on to the next part of the reform.
If you want the support of independents like me, then show us the government can actually manage the programs they are currently responsible for, before taking on additional responsibilities, bureaucracy, and probable debt.
Thank you.
Michael Wolfe
Saturday, August 22, 2009
Afghanistan Election
Thursday the people of Afghanistan held their second national election since the USA and her allies kicked the Taliban out of power. This election did not go as smoothly as the first and their are reports of violence and intimidation. However, even though fewer people voted this go round more than fifty percent did, which shows that the majority still want some form of democracy where they have a say in how they will live.
I give a lot of credit to the women who bravely went forth to cast their ballots, knowing that they are marked and if the Taliban ever regains power they will pay dearly for their bravery.
I also give credit to the members of families who voted their conscience rather than the mandate of the family or village elder.
Once again, members of a struggling democracy show their courage under fire - literally and figuratively - and they deserve credit for their effort.
Their courage then raises the question, should USA and NATO forces continue to be a presence in Afghanistan or is it time to withdrawal?
I know its a hard question to answer. In Iraq, where USA withdrawals are underway, we see reports of the daily escalation of violence and there are very few who do not believe that Iraq will fall into a civil war once the USA and her allies pull out entirely.
I believe the same will be true in Afghanistan. The various regions and tribes will be at each others' throats, as they have been for centuries. Maybe that is the thing the West needs to realize and work with.
The in fighting in places like Iraq and Afghanistan is centuries old, and although it may seem senseless and stupid to us in the West, for the people involved it has a deep meaning.
Rather than troops, guns, and bullets the West should be stressing, rebuilding, education, sanitation and decent jobs. Hopefully, an educated people will talk first, rather than shoot first, and hopefully out of that will come discussion, debate and finally compromise, but hopefully not thousands of deaths.
Once again I fear our leaders have failed to look at history and attempt to help following a historical perspective as opposed to the "we know what's right for you" perspective.
We in the West and especially the USA, need to allow people to create their own national identities, not to merely copy ours, because in our ego we think ours is a perfect democracy, where in truth we know there are many flaws.
We need to support Iraq and Afghanistan with food, medicine, and education, but we have to allow them to fight their own internal battles so that they will be able to create the kind of democracy that is best for them.
Its Common Sense!
I give a lot of credit to the women who bravely went forth to cast their ballots, knowing that they are marked and if the Taliban ever regains power they will pay dearly for their bravery.
I also give credit to the members of families who voted their conscience rather than the mandate of the family or village elder.
Once again, members of a struggling democracy show their courage under fire - literally and figuratively - and they deserve credit for their effort.
Their courage then raises the question, should USA and NATO forces continue to be a presence in Afghanistan or is it time to withdrawal?
I know its a hard question to answer. In Iraq, where USA withdrawals are underway, we see reports of the daily escalation of violence and there are very few who do not believe that Iraq will fall into a civil war once the USA and her allies pull out entirely.
I believe the same will be true in Afghanistan. The various regions and tribes will be at each others' throats, as they have been for centuries. Maybe that is the thing the West needs to realize and work with.
The in fighting in places like Iraq and Afghanistan is centuries old, and although it may seem senseless and stupid to us in the West, for the people involved it has a deep meaning.
Rather than troops, guns, and bullets the West should be stressing, rebuilding, education, sanitation and decent jobs. Hopefully, an educated people will talk first, rather than shoot first, and hopefully out of that will come discussion, debate and finally compromise, but hopefully not thousands of deaths.
Once again I fear our leaders have failed to look at history and attempt to help following a historical perspective as opposed to the "we know what's right for you" perspective.
We in the West and especially the USA, need to allow people to create their own national identities, not to merely copy ours, because in our ego we think ours is a perfect democracy, where in truth we know there are many flaws.
We need to support Iraq and Afghanistan with food, medicine, and education, but we have to allow them to fight their own internal battles so that they will be able to create the kind of democracy that is best for them.
Its Common Sense!
Sunday, August 16, 2009
Letter from David Axelrod
I received the email from David Axelrod of President Obama's staff because I have been writing the White House regualrly about my concerns and I always ask for a response.
Yesterday I saw a Fox News reporter stating that he had calls/emails from individuals stating they had been sent the email unsolicited and were upset that they were on some kind of White House mailing list. The reporter did not know if these individuals had written the White House on any other matter and of course it will all be investigated.
Not wanting to be guilty of spreading unsolicited email, I decided to copy and print the email from Axelrod in my blog. You can judge for yourself if it explains anything about the health care legislation.
Its Common Sense!
Dear Friend, This is probably one of the longest emails I’ve ever sent, but it could be the most important. Across the country we are seeing vigorous debate about health insurance reform. Unfortunately, some of the old tactics we know so well are back — even the viral emails that fly unchecked and under the radar, spreading all sorts of lies and distortions. As President Obama said at the town hall in New Hampshire, “where we do disagree, let's disagree over things that are real, not these wild misrepresentations that bear no resemblance to anything that's actually been proposed.” So let’s start a chain email of our own. At the end of my email, you’ll find a lot of information about health insurance reform, distilled into 8 ways reform provides security and stability to those with or without coverage, 8 common myths about reform and 8 reasons we need health insurance reform now. Right now, someone you know probably has a question about reform that could be answered by what’s below. So what are you waiting for? Forward this email.
Thanks,
David David Axelrod Senior Adviser to the President
P.S. We launched http://www.whitehouse.gov/realitycheck/?e=11&ref=text0 this week to knock down the rumors and lies that are floating around the internet. You can find the information below, and much more, there. For example, we've just added a video of Nancy-Ann DeParle from our Health Reform Office tackling a viral email head on.
Check it out: 8 ways reform provides security and stability to those with or without coverage
Ends Discrimination for Pre-Existing Conditions: Insurance companies will be prohibited from refusing you coverage because of your medical history.
Ends Exorbitant Out-of-Pocket Expenses, Deductibles or Co-Pays: Insurance companies will have to abide by yearly caps on how much they can charge for out-of-pocket expenses.
Ends Cost-Sharing for Preventive Care: Insurance companies must fully cover, without charge, regular checkups and tests that help you prevent illness, such as mammograms or eye and foot exams for diabetics.
Ends Dropping of Coverage for Seriously Ill: Insurance companies will be prohibited from dropping or watering down insurance coverage for those who become seriously ill.
Ends Gender Discrimination: Insurance companies will be prohibited from charging you more because of your gender.
Ends Annual or Lifetime Caps on Coverage: Insurance companies will be prevented from placing annual or lifetime caps on the coverage you receive.
Extends Coverage for Young Adults: Children would continue to be eligible for family coverage through the age of 26.
Guarantees Insurance Renewal: Insurance companies will be required to renew any policy as long as the policyholder pays their premium in full. Insurance companies won't be allowed to refuse renewal because someone became sick. Learn more and get details: http://www.whitehouse.gov/health-insurance-consumer-protections/?e=11&ref=hicp 8 common myths about health insurance reform
Reform will stop "rationing" - not increase it: It’s a myth that reform will mean a "government takeover" of health care or lead to "rationing." To the contrary, reform will forbid many forms of rationing that are currently being used by insurance companies.
We can’t afford reform: It's the status quo we can't afford. It’s a myth that reform will bust the budget. To the contrary, the President has identified ways to pay for the vast majority of the up-front costs by cutting waste, fraud, and abuse within existing government health programs; ending big subsidies to insurance companies; and increasing efficiency with such steps as coordinating care and streamlining paperwork. In the long term, reform can help bring down costs that will otherwise lead to a fiscal crisis.
Reform would encourage "euthanasia": It does not. It’s a malicious myth that reform would encourage or even require euthanasia for seniors. For seniors who want to consult with their family and physicians about end-of life decisions, reform will help to cover these voluntary, private consultations for those who want help with these personal and difficult family decisions.
Vets' health care is safe and sound: It’s a myth that health insurance reform will affect veterans' access to the care they get now. To the contrary, the President's budget significantly expands coverage under the VA, extending care to 500,000 more veterans who were previously excluded. The VA Healthcare system will continue to be available for all eligible veterans.
Reform will benefit small business - not burden it: It’s a myth that health insurance reform will hurt small businesses. To the contrary, reform will ease the burdens on small businesses, provide tax credits to help them pay for employee coverage and help level the playing field with big firms who pay much less to cover their employees on average.
Your Medicare is safe, and stronger with reform: It’s myth that Health Insurance Reform would be financed by cutting Medicare benefits. To the contrary, reform will improve the long-term financial health of Medicare, ensure better coordination, eliminate waste and unnecessary subsidies to insurance companies, and help to close the Medicare "doughnut" hole to make prescription drugs more affordable for seniors.
You can keep your own insurance: It’s myth that reform will force you out of your current insurance plan or force you to change doctors. To the contrary, reform will expand your choices, not eliminate them.
No, government will not do anything with your bank account: It is an absurd myth that government will be in charge of your bank accounts. Health insurance reform will simplify administration, making it easier and more convenient for you to pay bills in a method that you choose. Just like paying a phone bill or a utility bill, you can pay by traditional check, or by a direct electronic payment. And forms will be standardized so they will be easier to understand. The choice is up to you – and the same rules of privacy will apply as they do for all other electronic payments that people make. Learn more and get details: http://www.whitehouse.gov/realitycheck/?e=11&ref=myth1 http://www.whitehouse.gov/realitycheck/faq/?e=11&ref=myth1 8 Reasons We Need Health Insurance Reform Now
Coverage Denied to Millions: A recent national survey estimated that 12.6 million non-elderly adults – 36 percent of those who tried to purchase health insurance directly from an insurance company in the individual insurance market – were in fact discriminated against because of a pre-existing condition in the previous three years or dropped from coverage when they became seriously ill. Learn more: http://www.healthreform.gov/reports/denied_coverage/index.html
Less Care for More Costs: With each passing year, Americans are paying more for health care coverage. Employer-sponsored health insurance premiums have nearly doubled since 2000, a rate three times faster than wages. In 2008, the average premium for a family plan purchased through an employer was $12,680, nearly the annual earnings of a full-time minimum wage job. Americans pay more than ever for health insurance, but get less coverage. Learn more: http://www.healthreform.gov/reports/hiddencosts/index.html
Roadblocks to Care for Women: Women’s reproductive health requires more regular contact with health care providers, including yearly pap smears, mammograms, and obstetric care. Women are also more likely to report fair or poor health than men (9.5% versus 9.0%). While rates of chronic conditions such as diabetes and high blood pressure are similar to men, women are twice as likely to suffer from headaches and are more likely to experience joint, back or neck pain. These chronic conditions often require regular and frequent treatment and follow-up care. Learn more: http://www.healthreform.gov/reports/women/index.html
Hard Times in the Heartland: Throughout rural America, there are nearly 50 million people who face challenges in accessing health care. The past several decades have consistently shown higher rates of poverty, mortality, uninsurance, and limited access to a primary health care provider in rural areas. With the recent economic downturn, there is potential for an increase in many of the health disparities and access concerns that are already elevated in rural communities. Learn more: http://www.healthreform.gov/reports/hardtimes/
Small Businesses Struggle to Provide Health Coverage: Nearly one-third of the uninsured – 13 million people – are employees of firms with less than 100 workers. From 2000 to 2007, the proportion of non-elderly Americans covered by employer-based health insurance fell from 66% to 61%. Much of this decline stems from small business. The percentage of small businesses offering coverage dropped from 68% to 59%, while large firms held stable at 99%. About a third of such workers in firms with fewer than 50 employees obtain insurance through a spouse. Learn more: http://www.healthreform.gov/reports/helpbottomline/
The Tragedies are Personal: Half of all personal bankruptcies are at least partly the result of medical expenses. The typical elderly couple may have to save nearly $300,000 to pay for health costs not covered by Medicare alone. Learn more: http://www.healthreform.gov/reports/inaction/
Diminishing Access to Care: From 2000 to 2007, the proportion of non-elderly Americans covered by employer-based health insurance fell from 66% to 61%. An estimated 87 million people - one in every three Americans under the age of 65 - were uninsured at some point in 2007 and 2008. More than 80% of the uninsured are in working families. Learn more: http://www.healthreform.gov/reports/inaction/diminishing/index.html
The Trends are Troubling: Without reform, health care costs will continue to skyrocket unabated, putting unbearable strain on families, businesses, and state and federal government budgets. Perhaps the most visible sign of the need for health care reform is the 46 million Americans currently without health insurance - projections suggest that this number will rise to about 72 million in 2040 in the absence of reform. Learn more: http://www.whitehouse.gov/assets/documents/CEA_Health_Care_Report.pdf?e=11&ref=report
Yesterday I saw a Fox News reporter stating that he had calls/emails from individuals stating they had been sent the email unsolicited and were upset that they were on some kind of White House mailing list. The reporter did not know if these individuals had written the White House on any other matter and of course it will all be investigated.
Not wanting to be guilty of spreading unsolicited email, I decided to copy and print the email from Axelrod in my blog. You can judge for yourself if it explains anything about the health care legislation.
Its Common Sense!
Dear Friend, This is probably one of the longest emails I’ve ever sent, but it could be the most important. Across the country we are seeing vigorous debate about health insurance reform. Unfortunately, some of the old tactics we know so well are back — even the viral emails that fly unchecked and under the radar, spreading all sorts of lies and distortions. As President Obama said at the town hall in New Hampshire, “where we do disagree, let's disagree over things that are real, not these wild misrepresentations that bear no resemblance to anything that's actually been proposed.” So let’s start a chain email of our own. At the end of my email, you’ll find a lot of information about health insurance reform, distilled into 8 ways reform provides security and stability to those with or without coverage, 8 common myths about reform and 8 reasons we need health insurance reform now. Right now, someone you know probably has a question about reform that could be answered by what’s below. So what are you waiting for? Forward this email.
Thanks,
David David Axelrod Senior Adviser to the President
P.S. We launched http://www.whitehouse.gov/realitycheck/?e=11&ref=text0 this week to knock down the rumors and lies that are floating around the internet. You can find the information below, and much more, there. For example, we've just added a video of Nancy-Ann DeParle from our Health Reform Office tackling a viral email head on.
Check it out: 8 ways reform provides security and stability to those with or without coverage
Ends Discrimination for Pre-Existing Conditions: Insurance companies will be prohibited from refusing you coverage because of your medical history.
Ends Exorbitant Out-of-Pocket Expenses, Deductibles or Co-Pays: Insurance companies will have to abide by yearly caps on how much they can charge for out-of-pocket expenses.
Ends Cost-Sharing for Preventive Care: Insurance companies must fully cover, without charge, regular checkups and tests that help you prevent illness, such as mammograms or eye and foot exams for diabetics.
Ends Dropping of Coverage for Seriously Ill: Insurance companies will be prohibited from dropping or watering down insurance coverage for those who become seriously ill.
Ends Gender Discrimination: Insurance companies will be prohibited from charging you more because of your gender.
Ends Annual or Lifetime Caps on Coverage: Insurance companies will be prevented from placing annual or lifetime caps on the coverage you receive.
Extends Coverage for Young Adults: Children would continue to be eligible for family coverage through the age of 26.
Guarantees Insurance Renewal: Insurance companies will be required to renew any policy as long as the policyholder pays their premium in full. Insurance companies won't be allowed to refuse renewal because someone became sick. Learn more and get details: http://www.whitehouse.gov/health-insurance-consumer-protections/?e=11&ref=hicp 8 common myths about health insurance reform
Reform will stop "rationing" - not increase it: It’s a myth that reform will mean a "government takeover" of health care or lead to "rationing." To the contrary, reform will forbid many forms of rationing that are currently being used by insurance companies.
We can’t afford reform: It's the status quo we can't afford. It’s a myth that reform will bust the budget. To the contrary, the President has identified ways to pay for the vast majority of the up-front costs by cutting waste, fraud, and abuse within existing government health programs; ending big subsidies to insurance companies; and increasing efficiency with such steps as coordinating care and streamlining paperwork. In the long term, reform can help bring down costs that will otherwise lead to a fiscal crisis.
Reform would encourage "euthanasia": It does not. It’s a malicious myth that reform would encourage or even require euthanasia for seniors. For seniors who want to consult with their family and physicians about end-of life decisions, reform will help to cover these voluntary, private consultations for those who want help with these personal and difficult family decisions.
Vets' health care is safe and sound: It’s a myth that health insurance reform will affect veterans' access to the care they get now. To the contrary, the President's budget significantly expands coverage under the VA, extending care to 500,000 more veterans who were previously excluded. The VA Healthcare system will continue to be available for all eligible veterans.
Reform will benefit small business - not burden it: It’s a myth that health insurance reform will hurt small businesses. To the contrary, reform will ease the burdens on small businesses, provide tax credits to help them pay for employee coverage and help level the playing field with big firms who pay much less to cover their employees on average.
Your Medicare is safe, and stronger with reform: It’s myth that Health Insurance Reform would be financed by cutting Medicare benefits. To the contrary, reform will improve the long-term financial health of Medicare, ensure better coordination, eliminate waste and unnecessary subsidies to insurance companies, and help to close the Medicare "doughnut" hole to make prescription drugs more affordable for seniors.
You can keep your own insurance: It’s myth that reform will force you out of your current insurance plan or force you to change doctors. To the contrary, reform will expand your choices, not eliminate them.
No, government will not do anything with your bank account: It is an absurd myth that government will be in charge of your bank accounts. Health insurance reform will simplify administration, making it easier and more convenient for you to pay bills in a method that you choose. Just like paying a phone bill or a utility bill, you can pay by traditional check, or by a direct electronic payment. And forms will be standardized so they will be easier to understand. The choice is up to you – and the same rules of privacy will apply as they do for all other electronic payments that people make. Learn more and get details: http://www.whitehouse.gov/realitycheck/?e=11&ref=myth1 http://www.whitehouse.gov/realitycheck/faq/?e=11&ref=myth1 8 Reasons We Need Health Insurance Reform Now
Coverage Denied to Millions: A recent national survey estimated that 12.6 million non-elderly adults – 36 percent of those who tried to purchase health insurance directly from an insurance company in the individual insurance market – were in fact discriminated against because of a pre-existing condition in the previous three years or dropped from coverage when they became seriously ill. Learn more: http://www.healthreform.gov/reports/denied_coverage/index.html
Less Care for More Costs: With each passing year, Americans are paying more for health care coverage. Employer-sponsored health insurance premiums have nearly doubled since 2000, a rate three times faster than wages. In 2008, the average premium for a family plan purchased through an employer was $12,680, nearly the annual earnings of a full-time minimum wage job. Americans pay more than ever for health insurance, but get less coverage. Learn more: http://www.healthreform.gov/reports/hiddencosts/index.html
Roadblocks to Care for Women: Women’s reproductive health requires more regular contact with health care providers, including yearly pap smears, mammograms, and obstetric care. Women are also more likely to report fair or poor health than men (9.5% versus 9.0%). While rates of chronic conditions such as diabetes and high blood pressure are similar to men, women are twice as likely to suffer from headaches and are more likely to experience joint, back or neck pain. These chronic conditions often require regular and frequent treatment and follow-up care. Learn more: http://www.healthreform.gov/reports/women/index.html
Hard Times in the Heartland: Throughout rural America, there are nearly 50 million people who face challenges in accessing health care. The past several decades have consistently shown higher rates of poverty, mortality, uninsurance, and limited access to a primary health care provider in rural areas. With the recent economic downturn, there is potential for an increase in many of the health disparities and access concerns that are already elevated in rural communities. Learn more: http://www.healthreform.gov/reports/hardtimes/
Small Businesses Struggle to Provide Health Coverage: Nearly one-third of the uninsured – 13 million people – are employees of firms with less than 100 workers. From 2000 to 2007, the proportion of non-elderly Americans covered by employer-based health insurance fell from 66% to 61%. Much of this decline stems from small business. The percentage of small businesses offering coverage dropped from 68% to 59%, while large firms held stable at 99%. About a third of such workers in firms with fewer than 50 employees obtain insurance through a spouse. Learn more: http://www.healthreform.gov/reports/helpbottomline/
The Tragedies are Personal: Half of all personal bankruptcies are at least partly the result of medical expenses. The typical elderly couple may have to save nearly $300,000 to pay for health costs not covered by Medicare alone. Learn more: http://www.healthreform.gov/reports/inaction/
Diminishing Access to Care: From 2000 to 2007, the proportion of non-elderly Americans covered by employer-based health insurance fell from 66% to 61%. An estimated 87 million people - one in every three Americans under the age of 65 - were uninsured at some point in 2007 and 2008. More than 80% of the uninsured are in working families. Learn more: http://www.healthreform.gov/reports/inaction/diminishing/index.html
The Trends are Troubling: Without reform, health care costs will continue to skyrocket unabated, putting unbearable strain on families, businesses, and state and federal government budgets. Perhaps the most visible sign of the need for health care reform is the 46 million Americans currently without health insurance - projections suggest that this number will rise to about 72 million in 2040 in the absence of reform. Learn more: http://www.whitehouse.gov/assets/documents/CEA_Health_Care_Report.pdf?e=11&ref=report
Health Plan - Euthanasia
There has been a lot of commentary recently about the government health plan and death panels deciding who should or should not receive medical treatment depending on a variety of conditions.
Isn't that what the health insurance companies and HMO's do now? Don't they tell their customers what procedures are covered and which are not, forcing the client to either pay out of pocket or do without?
It appears to me that the so called government plan is following the practice currently in place. Some procedures will be paid for some not. In other words, the government insurance plan will follow the same guidelines as the private health insurance company guidelines.
Rather than go off in a temper tantrum about the government imposing restrictions, the all knowing commentators for the news networks should be offering a way that all insurance companies will cover all procedures, rather than attack the unofficial government plan for having limits.
True health care reform needs to take away limitations from all plans. The plans need to offer the same coverage, then the premium battles can begin.
If this "reform" is truly going to work, then all the providers need to provide the best available coverage and treatment for their customers.
Its Common Sense!
Isn't that what the health insurance companies and HMO's do now? Don't they tell their customers what procedures are covered and which are not, forcing the client to either pay out of pocket or do without?
It appears to me that the so called government plan is following the practice currently in place. Some procedures will be paid for some not. In other words, the government insurance plan will follow the same guidelines as the private health insurance company guidelines.
Rather than go off in a temper tantrum about the government imposing restrictions, the all knowing commentators for the news networks should be offering a way that all insurance companies will cover all procedures, rather than attack the unofficial government plan for having limits.
True health care reform needs to take away limitations from all plans. The plans need to offer the same coverage, then the premium battles can begin.
If this "reform" is truly going to work, then all the providers need to provide the best available coverage and treatment for their customers.
Its Common Sense!
Wednesday, August 12, 2009
Health Care Reform Referendum
Here is a copy of the letter I sent to my senators regarding a health care referendum. A similar one was sent to the President.
Please feel free to use all or any part when contacting your representatives.
Its our health, we need to be in control.
Its Common Sense!
Dear Senator
For the past several days I have watched town hall meeting on news networks and CSPAN and the one thing very clear is that there is a lot of misinformation floating around.
Primarily, there is no health bill at this moment. Evidently there are several versions floating around the House of Representatives, but the Senate has not put anything together yet.
I propose that you, Congress and the President announce that once there is an actual bill, agreed upon by the majority of the Congress, that rather than the President signing off on it, that you make it available to the American public, and allow the people whose lives will be affected by the legislation to vote on it as a national referendum.
This is for all Americans, we should be the ones who get to vote on whether we want it or not.
Unfortunately, we can not trust our representatives to do the right thing because we know they are highly influenced by lobbyists and seem to be out of touch with the reality of their constituents.
An example of that appeared this week when it was discovered that Congress budgeted in the Air Force budget, money for executive air planes to fly themselves around the country and the world. They condemned the CEO's of the Big three Auto makers, but have no problem looking out for themselves.
For an issue this important, I want a direct say. My vote needs to count, not the vote of someone I did not elect or think qualified for the job.
Please consider letting the decision of health care reform be the decision of the American citizens and not the Capital Hill Gang.
Thank you.
Michael Wolfe
Please feel free to use all or any part when contacting your representatives.
Its our health, we need to be in control.
Its Common Sense!
Dear Senator
For the past several days I have watched town hall meeting on news networks and CSPAN and the one thing very clear is that there is a lot of misinformation floating around.
Primarily, there is no health bill at this moment. Evidently there are several versions floating around the House of Representatives, but the Senate has not put anything together yet.
I propose that you, Congress and the President announce that once there is an actual bill, agreed upon by the majority of the Congress, that rather than the President signing off on it, that you make it available to the American public, and allow the people whose lives will be affected by the legislation to vote on it as a national referendum.
This is for all Americans, we should be the ones who get to vote on whether we want it or not.
Unfortunately, we can not trust our representatives to do the right thing because we know they are highly influenced by lobbyists and seem to be out of touch with the reality of their constituents.
An example of that appeared this week when it was discovered that Congress budgeted in the Air Force budget, money for executive air planes to fly themselves around the country and the world. They condemned the CEO's of the Big three Auto makers, but have no problem looking out for themselves.
For an issue this important, I want a direct say. My vote needs to count, not the vote of someone I did not elect or think qualified for the job.
Please consider letting the decision of health care reform be the decision of the American citizens and not the Capital Hill Gang.
Thank you.
Michael Wolfe
Tuesday, August 11, 2009
Health Care Reform - How about a Referendum?
I sent most of this evening watching various town hall meetings on CSPAN dealing with the health reform issue.
As I stated earlier, I could not make heads or tails out of what I thought was the House of Representatives' bill, only to learn it is one proposal.
It is fascinating to hear some of the things people believe are contained in the bills and non-bills. After all, the senate has not put anything together yet. The House of Representatives will need to have their various committees get together and try and patch a bill together.
All kinds of rumors and crazy statements (I hope they're crazy) are coming out. To save cost when people reach a certain age they will be put out of their misery. Mentally challenged people will be put away and allowed to "fade" away.
What's sad is that there are actually people who believe some of this nonsense.
My suggestion is that after Congress puts together a bill that they are forced to put it in an easily readable form, make it available to their constituents on the Internet and at their offices, and then allow the public to vote on their approval or disapproval.
Why not turn this into a referendum? This reform will effect all of us, in more ways than one. Doesn't it make sense that we be the ones who vote on it, not those on the Hill who "might" have been influence by lobbyists?
Tomorrow I will write a proposal and send it to the President and my representatives. I will let them know that even though we should, it is hard to trust them on a issue that will effect all of us personally and for that reason the decision should be on our shoulders, not theirs.
Registered voters should have the opportunity to make the final decision.
I'll share my letter tomorrow.
Share your ideas as well, this debate needs to go on until the vast majority of us are happy.
Its Common Sense!!
As I stated earlier, I could not make heads or tails out of what I thought was the House of Representatives' bill, only to learn it is one proposal.
It is fascinating to hear some of the things people believe are contained in the bills and non-bills. After all, the senate has not put anything together yet. The House of Representatives will need to have their various committees get together and try and patch a bill together.
All kinds of rumors and crazy statements (I hope they're crazy) are coming out. To save cost when people reach a certain age they will be put out of their misery. Mentally challenged people will be put away and allowed to "fade" away.
What's sad is that there are actually people who believe some of this nonsense.
My suggestion is that after Congress puts together a bill that they are forced to put it in an easily readable form, make it available to their constituents on the Internet and at their offices, and then allow the public to vote on their approval or disapproval.
Why not turn this into a referendum? This reform will effect all of us, in more ways than one. Doesn't it make sense that we be the ones who vote on it, not those on the Hill who "might" have been influence by lobbyists?
Tomorrow I will write a proposal and send it to the President and my representatives. I will let them know that even though we should, it is hard to trust them on a issue that will effect all of us personally and for that reason the decision should be on our shoulders, not theirs.
Registered voters should have the opportunity to make the final decision.
I'll share my letter tomorrow.
Share your ideas as well, this debate needs to go on until the vast majority of us are happy.
Its Common Sense!!
Friday, August 7, 2009
Senator Mikulski on Credit Card Interest
I have been away for awhile and did not have time to sit down and write. While traveling, I did receive an email from Senator Barbara Mikulski of Maryland, one of my state's two senators, responding to my concerns about how credit card companies are wrecking havoc on the middle class.
Her response follows. I found it very disheartening to see that an attempt to limit interest rates at 15% failed, what does that tell you about the relationship between our legislators and the banks?
Dear Mr. Wolfe:
Thank you for getting in touch with me about the CARD Act (Public Law 111-24). It's good to hear from you.
I voted for the CARD Act because it protects American consumers. Families who saved for their retirement, have been faithful in paying their mortgage, and have worked hard to pay for college are wondering why the cost of groceries, health care, and energy are going up while their pay checks are going down. They are worried about their jobs, about taking care of their families, and about their kids' school. They shouldn't have to worry about unfair credit card practices.
Banks invented new ways to engage in casino economics. At the same time, they have contributed to getting American consumers into debt traps. They arbitrarily raised interest rates on consumers, and applied higher interest rates retroactively. They charged fees without any legitimate purpose - and then charged interest on top those unfair fees. And they marketed their products to college students who they knew couldn't afford the credit they were providing.
This legislation says "no more". No more raising interest rates for no reason and with no notification. No more applying higher interest rates to balances that have already been paid off. No more unfair sky-high fees with no recourse for the consumer. And no more targeting college kids to weigh them down with debt before they even graduate.
I support limiting interest rates on credit cards. Unfortunately, an amendment capping interest rates at 15% was not included in the final legislation. However, this bill will help families who have gotten into debt get out if it, lower monthly credit card bills, and help consumers avoid the predatory debt traps in the first place. Because these important protections were included, I cast my vote in favor of the bill.
The CARD Act was recently passed by Congress and signed by the President. Knowing of your views was helpful to me, and I will keep them in mind.
Thanks again for getting in touch with me about this issue.
Please let me know if I can be of any assistance to you in the future.
Sincerely,
Barbara A. MikulskiUnited States Senator
Her response follows. I found it very disheartening to see that an attempt to limit interest rates at 15% failed, what does that tell you about the relationship between our legislators and the banks?
Dear Mr. Wolfe:
Thank you for getting in touch with me about the CARD Act (Public Law 111-24). It's good to hear from you.
I voted for the CARD Act because it protects American consumers. Families who saved for their retirement, have been faithful in paying their mortgage, and have worked hard to pay for college are wondering why the cost of groceries, health care, and energy are going up while their pay checks are going down. They are worried about their jobs, about taking care of their families, and about their kids' school. They shouldn't have to worry about unfair credit card practices.
Banks invented new ways to engage in casino economics. At the same time, they have contributed to getting American consumers into debt traps. They arbitrarily raised interest rates on consumers, and applied higher interest rates retroactively. They charged fees without any legitimate purpose - and then charged interest on top those unfair fees. And they marketed their products to college students who they knew couldn't afford the credit they were providing.
This legislation says "no more". No more raising interest rates for no reason and with no notification. No more applying higher interest rates to balances that have already been paid off. No more unfair sky-high fees with no recourse for the consumer. And no more targeting college kids to weigh them down with debt before they even graduate.
I support limiting interest rates on credit cards. Unfortunately, an amendment capping interest rates at 15% was not included in the final legislation. However, this bill will help families who have gotten into debt get out if it, lower monthly credit card bills, and help consumers avoid the predatory debt traps in the first place. Because these important protections were included, I cast my vote in favor of the bill.
The CARD Act was recently passed by Congress and signed by the President. Knowing of your views was helpful to me, and I will keep them in mind.
Thanks again for getting in touch with me about this issue.
Please let me know if I can be of any assistance to you in the future.
Sincerely,
Barbara A. MikulskiUnited States Senator
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