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Comrade Romney, your proof of health insurance, please!

Massachusetts is eight time zones east of Moscow, and yet, in some ways, it might as well be located on the doorstep of Minsk. The old Minsk. Well, today's Minsk. Minsk hasn't changed much since the Soviet Union expired.

To deny that Massachusetts is a little left of the rest of the union would be akin to calling Vermont "Bush Country." But, it's not Massachusetts or the masses of oppressed Massachusetts masses that earn today's Hammer & Sickle award. That honor goes to the Commonwealth's former governor, Mitt Romney.

Mr. Romney, you'll recall, recently ran for president. With a straight face and his typical motor-mouthed delivery, he tried to convince us he was a conservative - small gov'ment, free markets and all that. But his legacy as governor will likely far out-live his tenure on the campaign trail, and for those with any memory, it should keep him off McCain's ticket and out of the White House for good. Here's why:

As governor, Romney was intent on solving the state's health care crises, if indeed one existed. He solved it by requiring every Massachusetts citizen to buy health insurance, whether or not he wanted it, needed it, or could afford it. There. Problem solved. Everyone's insured.

Unfortunately, two problems and one opportunity have arisen from Mr. Romney's health plan. The problems are that the program costs more to administer than promised (gov'ment programs always do) and the state will now fine anyone who can't cough up proof of health insurance coverage. Now that second problem, the fine, has turned out to be a revenue opportunity for the state - a silver lining! How lovely. Still, it's unsettling to have authorities in the USA dictating that citizens must have health insurance whether it's purchased privately or from the company store, the state. Tales of the costs of Romney-care popped up during the presidential campaign. This latest twist, the fine, is something that has received little attention outside Massachusetts.

Ever since George W. Bush won the White House on a nauseating platform of "compassionate conservatism," every Republican with a speck of presidential ambition has called himself a conservative. But, building huge expensive bureaucracies and bullying citizens into conforming to gov'ment-dictated behavior is hardly conservative. It's more akin to the socialism which should have been crushed when Soviet Russia and it's satellite dictatorships collapsed. Unfortunately, socialism never dies. Squash it here and it crops up there. It changes its name. It wears a mask. It even masquerades as conservatism. Today, it lives on in Massachusetts, in Cuba, in China, in Venezuela, and in Minsk, the capital of Belarus.

If Mitt Romney still has political ambitions, let him run for mayor of Minsk.

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The papparazzi has been passed to a new generation

The media is thrilled. The Left is thrilled. The world is thrilled. It's all so thrilling. He announced today that he is his party's nominee, and I guess that makes it so. Although the convention isn't until next month, the Democratic party has nominated a man its delegates know little about. Voters have gotten to know some of the people this man has associated with in the past 20 years, and that's been fun. Surely, he's associated with more interesting people we can meet this summer and fall during the campaign. I wouldn't expect Mr. McCain's clean'n squeaky team to bring them to our attention, but someone will. And speaking of someone, has Mrs. Clinton officially retreated to Chappaqua? All smiles, she remains in campaign mode. Her husband, on the other hand, is all frowns. He's been one big hulking grimace through much of the campaign. From such heights he has fallen. Once the BMOC, the media darling, the first black president, Mr. Clinton he has lost the love of the media and the crowds. There have been no reports of interns flicking their thongs in his direction. Good grief, mention was made this week of his mental state.

This whole campaign has been a trauma for the Clintons. Their shared frustration must be doubled by the realization that the Vast Left-wing Conspiracy had them in its cross hairs since Sen. Obama, there, I said his name, entered the race. What's to become of the Cintons? Some say Hillary will force her way onto the ticket. Others claim the Clinton destruction machine will sabotage Obama with unrevealed dirt so that the path to 2012 will be clear. A less conspiratorial scenario might have Mrs. Clinton returning to her day job in the Senate, and Mr. Clinton resuming whatever it is he does to fill his days - mostly making money. There is after all, more to life than the presidency. More than 300 million Americans will survive over the next four years without each, individually, taking the oath of office. Mrs. Clinton could surely live out her remaining years outside the presidency. She's already spent eight years in the White House. She shared the second floor family quarters of the White House with a President. That's more than 300 million Americans have experienced.

Clinton fatigue may have driven Democrats into the arms of the unknown. It is understandable. Consider the Republicans. This will be the first presidential election since 1972 in which a Bush or Dole hasn't appeared on the ticket.

  • 1976 Ford-Dole
  • 1980 Reagan-Bush
  • 1984 Reagan-Bush
  • 1988 Bush-Quayle
  • 1992 Bush-Quayle
  • 1996 Dole-Kemp
  • 2000 Bush-Cheney
  • 2004 Bush-Cheney

It can become repetitious.

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The devil of debt

If you're in debt, you're headed for trouble. Get out of debt today!

No, this isn't an ad for debt counseling although that opening line does resemble the pitch I hear during almost every commercial break. "I had five thousand dollars in credit card debt and so-and-so helped me get back on my feet." Only five thousand dollars in credit card debt? Lucky you. Try $50,000 or $100,000 in credit card debt. Add to it a couple of unsecured loans. Toss in a $250,000 mortgage on a house that's now worth $180,000. Finish it off with a student loan of any amount. Now, that sounds more interesting, and, unfortunately, more realistic. This and similar scenarios are lead weights fastened to the feet of our economy. The Federal Reserve can trade easy loans for the bad debt of the nation's banks and brokerages in hopes of keeping everyone liquid, but consumer debt will keep the economy grounded.

Personal debt starts out as an opportunity. A credit card company offers you a plastic rectangle with a bunch of numbers engraved in it. With your signature, you can buy things even if you haven't got the cash to cover the purchases. It's exhilarating to walk into a store, snatch what you want and hand over a card that declares, "I have excellent credit." Now, in the back of your mind, you see yourself paying off those purchases at the end of the month and avoiding finance fees. But, come now, isn't easier to just pay the minimum required? After all, this won't become a habit, right? Unfortunately, it does become a habit. And, it has become a habit because credit has been so easy to get.

The ease of obtaining credit pumped air into the housing bubble that burst last August. It also pumped air into a consumer debt bubble that has yet to burst. If you're looking for a second shoe to drop following the sub-prime mortgage fiasco, look no further than consumer debt. Most of us (Americans who work without benefit of trust funds) are actually earning less than we once did, or at least less than the previous generation earned. Yet, we have filled our over-valued homes with stuff, lots of stuff. We purchased multiple vehicles, for every kid in the family must have a car to drive upon arriving at the age of 16. Some of these vehicles have bottomless fuel tanks and a rabid thirst for gasoline. In some cases, we bought more house than we could really afford, but the mortgage offers were too good to pass up.

All right, so we over did it. We took Auntie Mame's advice and lived, lived, lived!

Debt doesn't become a problem right away. Because it can build slowly, we get used to it. It becomes something we manage like the rest of our bills. And, for a while, it seems quite manageable. And, it grows, in dollars and as a percentage of our income. We tell ourselves that we'll be earning more money over the next couple of years and we'll be able to manage it, maybe even pay it down. But, along the way come surprises. The credit card companies begin to raise their interest rates. The 16% interest they were charging us becomes 29.99%. Interest rates of 30% and nobody accuses the credit card companies of usury. Then we notice that minimum payments have gone from 1.5% or 2% to 4% or 5% or %6 of the balance. Meanwhile the extra income we'd planned on making is washed away by inflation - at the gas pump and the supermarket. Then along comes another surprise, someone in the family gets sick, really sick, and a cascade of medical bills hits the mailbox. Just one little medical bill can empty our meager savings account which earned us next to nothing in interest anyway. We look for cash and we find it in whatever equity we've built in our homes. Meanwhile there are more surprises. We find that the value of our house has fallen. We can't squeeze any more cash out of our house because it is valued at less than its mortgage. We go back to our credit cards and look for any remaining credit there to get by. To our amazement, most of them are maxed. In fact, now we're incurring monthly over limit fees and our available cash is now negative. We cut back on expenses everywhere we can, but there are some expenses we can no longer manage: our mortgage and our credit card bills. We begin to miss payments and, surprise; we incur new penalties called late fees, which drive our debt burden higher and higher. What's left to do but call a bankruptcy attorney?

Now, to some wise folks among you, this seems an exaggeration. How could a rational person allow debt to get so out of control? How indeed? Because credit was made so easy to begin with, and because for decades, politicians and a number of economists pooh-poohed debt as being unimportant. As long as we're earning and growing, economically, debt is not a problem, they said. In theory they have a point. In reality, they're out of their minds. As workers, we don't always keep earning. Sometimes, we lose our jobs or our businesses. Sometimes we keep our jobs or businesses but our wages can't keep pace with prices. When either of these things happens, and we're carrying lots of debt, we're headed for problems because debt grows regardless. As we approach insolvency, debt compounds. It becomes a monster, a devil, a Goliath.

Debt isn't particular about its victims.

While the experts point their fingers of blame at "stupid" consumers, the great banks and brokerages of America have found themselves in a bit of a pickle. They, too, are carrying lots of debt and have run to the federal gov'ment for help. We also find that Fannie Mae and Freddie Mac, who between them hold 80% of Americans' mortgages, are not doing so well either. And since, they're both, shall I say, the illegitimate children of the gov'ment, the gov'ment must back them up. Oh, and speaking of the gov'ment which is busy bailing out and backing up, it, too, is heavily in debt. In fact, our gov'ment is so far in debt that it must rely on $18 billion a day in foreign investment in our debt to keep going. And, it's not just the federal gov'ment that is suffering from the debt disease. State and local gov'ments are pinched by debt as well. In California, it's deja vu for budget shortfalls. But, enterprising Governor Arnold Schwartzen-what's-his-name has a bold solution. He wants to issue bonds to raise cash - bonds that are actually bets that the state lottery will raise $20 billion in revenue. What if the he and his bond purchasers bet wrong? And, they call us consumers irrational, careless, and stupid?!

The next time someone asks me if I think we're past the worst of our economic troubles, I'll tell him or her, gently but firmly, no. And, when he or she asks why, I'll offer this simple, one-word answer: debt.

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Health care at the corner Wal-Mart

Sometimes it takes a lot of money to be healthy. As my wife and I have hit mid-life, we've found it takes even more money to stay healthy. Body parts we never had to think about in our youth want attention now. Sometimes they want attention so badly, they'll throw a tantrum and send us to the emergency room. Every time our organs decide to act out, it costs us. And, in the past several years, our organs have acted out a lot.

Until recently, we were insured, medically speaking. Before hitting the mid-life wall, our health insurance premiums were affordable. We were younger and could manage our health with high deductibles which is akin to gambling. We bet that we wouldn't need much medical attention. We set the deductible high so our monthly premiums were low. It was an affordable health care strategy that worked for awhile. A yearly trip to the doctor and some out-of-pocket expenses - a piece of cake. Then along came my wife's stroke at the feeble age of -- 46. In the next couple of years we pooled between us a handful of new ailments: atherosclerosis, osteoporosis, back problems, allergies, high cholesterol, high blood pressure, high anxiety, asthma, and insomnia. None of these ailments comes cheap. Each requires tests and treatment and lots of money.

Try balancing a household budget on $2500 MRI's, CT Scans, ultrasound's, $2000 shots, $720 back ablation procedures, $75 office visits (not counting the specialists), $600-$800 in monthly prescriptions, and insurance premiums that in '08 exceeded $400 per month. Now, asking that question, I know very well that many you face similar challenges although your conditions and costs vary. I'm being rhetorical so please don't egg me. In our case, being self-employed (and not trust fund babies), my wife and I had to sit down and get a handle on our health costs. We had to ask ourselves a hard question:  How were we going to afford the care we needed? Then, of course, came the followup question: Where could we cut costs?

First, we decided to stop having tests done. Now, not everyone can do this. If you're sick and your doctor is searching for what's causing your mysterious symptoms, he's got to order tests. But, for the most part, we know what's caused our illnesses. Some of our conditions can be alleviated by pills or inhalers. Others have no cure and will run their course as with atherosclerosis (or hardening of the arteries) and osteoporosis. Down the road, these conditions will cause us more pain and cost us more money, but that's longterm. Right now, we're dealing with the here and now.

Second, we looked at our prescription costs. Why, we wondered, were we paying nearly $300 for a month's supply of a chronic pain reliever -- WITH insurance? Good grief, what would that same drug cost without insurance? My wife did a little research and found out that it cost about $25. WHAT? Impossible! No it is possible, in fact, it's true. The generic version at Wal-Mart's pharmacy is $25. To get the generic version, our doctor had to specifically prescribe it. Unless my wife had bothered to do a little research and ask a few questions, we'd still be paying nearly $300. Our doctor would have continue to prescribe the expensive name-brand, the pharmacy we were using would still be charging us nearly $300, and our health insurance provider would have continued charging us more than $400 for the privilege of their monthly coverage. No one along the health care highway bothered to tell us how much money we could have been saving. As it turned out, we found that we could save money on all of our prescriptions. A couple of weeks ago, I picked up four prescriptions and spent a total of $20. Just months ago, I'd have picked up the same four scripts and spent a couple hundred dollars.

My point is not to shill for Wal-Mart's pharmacy. It's not to call for socialized medicine (God save us from national health care). It's not to bash health insurers. My point is that if health care, in general, were allowed to function like any other market-driven industry, we'd all be shopping for the best deal and we'd force all parts of the health care industry - doctors, hospitals, drug companies, insurance companies, and pharmacies - to compete for our business. I dare say we'd still enjoy excellent care but at lower prices.

By-the-way, we're making another gamble. We fired our health insurer and are shopping for more affordable coverage. We'll let you know what we find. In the meantime, if you have any advice, feel free to pass it along.

 

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My dad and the bomb

Over the Memorial Day weekend, I watched PBS's American Experience documentary on Harry Truman. Although it was a rerun, it was a bit of history I couldn't resist watching again. And, it reminded me of a debate that continues today in punditry:  Should Truman, as president, have approved the A-bombing of Hiroshima and Nagasaki, Japan?

I've read plenty of propaganda from leftist peaceniks who characterize the bombings as examples of America's history of hegemony. Even puritans within libertarian circles offer similar condemnations for such inhuman and unnecessary acts of murder. There are plenty of defenders of that decision made sixty-three years ago who wish to preserve a positive legacy for the Truman presidency and those that followed. It seems everyone has a perspective, or should I say, an agenda. Come August, the anniversaries of both bombings, I'm sure we'll suffer the same debates. So, let me slip in my two cents before the annual argument resumes.

I write about Hiroshima and Nagasaki from this perspective:

I was born more than a dozen years after the end of World War II. I've never served in the military. My memories of war are those of Vietnam's swamps and jungles. Images from Vietnam flooded our living room in black and white, and then in living color when my parents paid cash (saved-up cash!) for our first color set. All of my grade school years were marked by coverage of that war, and later, the protests against it. My view of the war was influenced by self-interest. As I entered my freshman year in high school, I prayed that it would end before I graduated. Thank God, it did. By the time of my 1976 commencement, Vietnam was but a dark memory. Although our part of the war officially ended in 1973, it was only the year before my graduation that the last helicopter fled the roof of our Saigon embassy as NVA tanks entered the city. That image sticks with me. The long years of TV's first war became a blur of mixed memories. Better to let those images fade with time.

Many years later, we were at war again. It was the war the Gen Xers would remember: the lightening-quick war in the Gulf. It was short-lived and showcased the power of high tech. It seemed easy, and it encouraged those of us who'd spent our childhoods and adolescence watching the mind-numbingly slow blood-letting in Vietnam that there would be no more Vietnams. Still, I didn't want any part of it. And, when the Gulf War encore of George W. Bush was imminent, I wanted no part of it either. The fear of another Vietnam haunted my mind. Whether or not Vietnam is being revisited in Iraq, history will have to decide. I have my suspicions.

I'll admit I'm gun-shy when it comes to war. But the experiences I just related were not alone in shaping my views. My dad was nearly forty when I was born. The disparity in our ages afforded me a view of war few members of my generation could have imagined. He had enlisted as a Marine after the country entered World War II following Japan's attack on Pearl Harbor. Those of his eight brothers who were eligible, enlisted as well. He was sent to the Pacific where the war was fought from one beachhead to the next. Over the years, my dad said very little about his experiences during that war. There were no grand stories of victory or camaraderie, and he never attended any veteran reunions in the years following its end. For him, and those alongside him who survived, the war was a hell better left forgotten.

On a few rare occasions, my dad would allow a glimpse of those hellish days to escape his mind. He talked of bunks piled on each other in the depths of transport ships and the smell from the vomit which sloshed about as the ship rose and fell with the ocean waves. Most of the men had never been aboard ship and had never suffered seasickness. This is how he was taken from home to the tiny islands of the Pacific. From the ships, he was taken by open transport to the shallow waters where he and his fellow Marines carried the full weight of weaponry and supplies through the shallows to the beach. Bullets whizzed past and men on both sides of him fell. It happened over and over, island by island. He survived the hell of Saipan. Some men, he said, simply lost their minds. The experience of war was too horrendous. Of those days, he said no more. He did talk about the months after the war when he served as an MP (military policeman) in China. He found the devastation left by the Japanese occupation there appalling. After all he'd been through, the sight of malnourished little Chinese kids begging for food from soldiers never left him, although, again, he said no more about it.

While my dad and thousands of his generation continued in the bedlam of daily war, the Japanese, who were losing the fight, refused to surrender. Their leaders were ruled not by their emperor but by their fanaticism. While my dad and others were dumped on some sandy shore, we bombed Tokyo and other major Japanese cities to force their surrender. The Japanese refused. A long and bloody assault on the Japanese mainland, a larger replay of Saipan and other islands, was in the works for November 1945. We know this as a matter of record. What we don't know is whether or not my dad would have survived it. How many others would have survived it? How many American lives would it have required to finally convince the Japanese to surrender? Would it have taken the equivalent a hundred Saipans? A thousand? I don't know, do you?  President Truman couldn't have known either, but I would imagine he was computing the costs as he weighed the A-bomb decision.

No warning and no demonstration of force could persuade the fanatics in the Japanese government to surrender - even after the Tokyo bombing campaign, the detonation over Hiroshima on August 6, and the near vaporization of Nagasaki on August 9. We now know that even after the terrible loss of life they inflicted upon their own men, women, and children, a remnant within the ruling hierarchy of Japan's collapsing empire plotted against surrender. We know the horror wrought by the atomic bombs. Can we imagine the hell that would have been endured by Allied soldiers, the peoples occupied by the Japanese empire, and the Japanese people themselves had they not been used?

Only God himself knows.

But, today, there are plenty of experts, pundits, and bloggers who seem to know only what God himself knows. They have somehow gained the wisdom that escaped the rest of humanity. To them the atomic bombs were tools of our aggression. If we had just negotiated in good faith with the Japanese, they'd have given up war for commerce. If we had just talked to Herr Hitler, one on one, we could have understood his true aims, and maybe he'd have spared the millions of lives consumed by his war machine and his death camps. If we had held a fourth summit with Stalin after Potsdam, we could have avoided the cold war. Maybe Stalin would have loosened his grip on the war survivors of Eastern Europe. He might have even traded in the international exportation of communism for vodka exports...

And pigs fly with impunity and the moon is made of cheese.

What I know about war is that is it but a glimpse of Hell on the earth. I learned of its horrors from my father who experienced it firsthand and who could speak of it for only a few brief moments during his eighty-three years. I know of the bedlam of war because it was brought into my living room every evening from the time I entered first grade until I was half-way through my freshman year of high school. War is not glorious, it is deadly and destructive, and it is not easily negotiated away. It is a waste of time, treasure and lives, but no one, living or dead, knows if it is always avoidable.

And I know one more thing: After the second atomic bomb fell to the earth, the war ended and my dad came home alive.

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