Fall and winter started asserting themselves this weekend; yesterday and today have been cloudy, cold and wet. The heat in the building hasn't been turned on yet so last night I used an electric heater in the bedroom. Winter isn't here yet; the Sun will come back and it will warm up again, but I predict a cold and wet winter.
I've been feeling tired and run down the past week. I don't know if it is because of the changes in my eating habits, changes in the weather, work, or the smoke from the California wild fires. Several people from work have been out sick this week and the news reports that the flu season has set in early this year too. I don't have flu symptoms so it's probably allergies.
I have mixed feelings about the new cell phone (Blackbeary). It is a lot more phone than I need and the rates are a lot higher. I may end up getting rid of it after awhile.
Next weekend I plan to ride the motorcycle, with four other guys, to Saratoga Wyoming to spend a day at
Hobo Hot Springs. In early October a bunch of us are planning to go up to Leadville to ride the
Leadville Southern Colorado Railroad - it will be their last run of the season. We are hoping for good weather and fall colors.
I've listened to several audio books over the past week. I listened to one of the Harry Potter books (performed by
Jim Dale) again a week ago - I just wanted to be entertained (TV sucks.) I enjoyed it as much the second time through as I did the first time. After finishing Harry Potter I switched to a more serious topic . The next selection was
Political Theory: The Classic Texts and Their Continuing Relevance (Professor Joshua Kaplan), then
The People and the Ballot: A History of American Party Politics (Professor Joshua Kaplan), and yesterday I listened to
The Death of Conservatism (Sam Tanenhaus). These selection have been very enlightening; I even learned something about the British form of government that I didn't know before.
I listened to President
Obama's address to Congress twice. I have mixed feelings. I think Obama is a good man; I support him and I know our Health Care system needs reform. Health Insurance premiums have sky-rocketed and continue to rise, too many people have no Health Insurance at all, and with down-sizing, right-sizing and off-shoring more people lose the coverage they did have. This can not continue, unfortunately there are too many problems in the proposed solution for it to be successful.
Lost in the whole debate is the simple fact that Health Insurance and Health Care are not the same thing. Health Care is: education on how to stay healthy, provisioning of clinics, hospitals, surgeries, pharmaceuticals, equipment, clinicians, nurses, doctors - and access to those resources. Health Insurance does not provide those resources. Insurance has always been a way of sharing risk by distributing the risk across a pool of investors. When one investor incurs a loss, rather than that investor incurring the loss alone, the loss is distributed across the pool of investors so that each investor incurs a small portion of the loss. Insurance is about sharing risk. I want to believe that Health Care is a basic right but I am not completely convinced that it is, and for the time being, I maintain that Health Insurance is a privilege not a basic right.

Many of the propositions laid out by the President Wednesday night are simply untenable. While it may sound good to outlaw the practice of turning down health insurance because of pre-existing conditions the simple fact is Insurance companies have an obligation to minimize their risks. Requiring Insurance companies to take on someone with a pre-existing condition removes their ability to manage their risks and guarantees they will incur higher losses. The practice of refusing to pay claims and dropping coverage does need to be outlawed and must carry severe penalties, and Insurance companies must be able to compete across geographic boundaries.
The claim that a public option can be funded without raising taxes by cuts to Medicaid and Medicare and making government more efficient is both delusional and dishonest. Many doctors will not accept Medicare or Medicaid because it doesn't even cover their costs. From the Health Care providers perspective every Medicare/Medicaid patient represents a loss. Medicare and Medicaid can not be cut any further. Increasing preventative treatment will cause costs to go up not down - you have to perform 100 Colonoscopies to detect 1 cancer; doing more Colonoscopies results in more unnecessary treatment and higher costs with little benefit. Every Congress and Every President has pledged to make government more efficient - it has never happened - to believe it will happen this time is foolish.
The reality is clinics, hospitals, pharmaceuticals, doctors and nurses cost money - a lot of money. How should we pay the costs of Health Care? I'm not sure that is the right question to ask. Before the question can be addressed I think it is important for We the People to acknowledge the fact that we are born and we will die. The concepts of fairness, justice and morality are human constructs; they are not intrinsic to life and the universe. Bad things happen to good people and good things happen to bad people. We are each responsible for our own happiness and well being. Humans have a limited ability to influence the present and the future but we are powerless to control either. Our American standard of living has risen to such a high level that it is no longer sustainable. For hundreds of years Insurance was a not-for-profit venture, only in the past 30 years did Insurance changed to a for-profit venture. The United States is a Federal Republic operating under the Capitalist Free-market system. We all share this world together. What kind of world shall we live in? That is the question to ask.
I believe in our limited representative form of government and I value Liberty and personal responsibility. I also believe in private enterprise and the free-market, however I recognize that human frailties, such as greed and short sightedness , require that there be some constraints on the capitalist free-market system (anything for a Dollar is not ok). Ideally I would like to see the profit motive stripped from the Health Insurance and Health Care systems. It is for this reason alone that I support a tax funded (everyone pays higher taxes) Public Health Insurance Choice.