Category Archives: Politics: North Carolina

I am Going Shopping

When I was young, my dad told me that I needed health insurance.  I kinda laughed it off.  However, through my 20’s, I went through periods where I did and then did not have coverage.  Looking back, I should have maintained coverage for the duration; I never should have taken insurance “holidays”.  But where I was right when I did have coverage was the type of policy I bought.

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An Amazing Article

You know that feeling?  The one where you are getting your head slammed into a wall and then it suddenly stops?  Oh how it feels so good.  Which, if you are like me and believe that all people are good and will eventually see the light, only makes the shattering of hope all the more painful when the beating continues.

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How to Sell More Beer

Many of my friends work in the service industry.  Some either currently own or have owned their own joint.  Many have managed one.  When discussing politics or economics with the more liberal of them, I often get push back on my thoughts and ideas.  The concept that a free’er market would help everyone is foreign to them.  The idea that reducing or eliminating the minimum wage is a horror story; they run away screaming.

But I just go back to the bar room.  And I ask 1 simple question:

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Economics

We all know the trouble today.  Unemployment, unemployment and unemployment.  But really, truly is the problem today is that we have government regulation.

See, in a world without it, we would have zero, I mean NONE, involuntary unemployment.  Think back to the pioneer days.  Do you think that there was ever a time when those folks had nothing to do, even when they wanted to do something, for months, or weeks or even days at a time?  Nope.  Not once.

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Red or Blue

I am pretty much disgusted with all politics.  And all people in ’em.  Perhaps most especially vile are the Parties.  It seems that in order to satisfy the party, each candidate has to run for the edges, the FAR edges.  They have to do this to get the support, connections and money from the apparatus.  In short, people are rather forced to do and say things they might not otherwise.

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Parents Support Current Assignments

The school board here in Wake County was elected recently with a pretty strong message from the public: We Don’t Like the Way Things Are!

With 4 seats up for grabs, a new coalition was formed.  Joining Ron Margiota are 4 new board members.  And they have two agendas:

1.  End Year Round Schools.

2.  End the Diversity program.

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After Realizing the Government isn't Going to Help, Haiti Rebuilds

Did the Federal government respond poorly to Katrina?  I think so, on some levels.  I don’t blame the Feds for the fact that people were stuck in New Orleans; that was the city’s fault.  And I don’t blame the Feds for failing to act in the first day or two; that’s the State’s role.  But when those folks were in that stadium for that long, ya gotta get ’em out.  Somehow.

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Freedom Fries

As always, I have Brad and Britt on the radio for the morning commute.  I listen because they are local and because I need to convince myself that I listen to both sides.  As such, I normally am shaking my head at the discussion and the mind-set I get from Greensboro.

This morning was different.  The subject was France and whether or not it’s better to live in France or the USA.  Normally, the left says that the French model is better but given the choice, they don’t wanna live there.  As if they subconsciously understand that you don’t get both the “good life” France offers and the freedom and benefits of such that America offers.

Brad and Britt both agreed that it is much MUCH better to live in America than France.  Again, this isn’t surprising, this follows the leftist road map.  But as the conversation continued, I was pleasantly surprised at WHY they would not like to live in France.  For example, they idea of “strikes and riots when the price of milk goes up a by a nickel” was pure genius in its simplicity in capturing the French culture.  But it got even better.  When describing the summer break, Britt correctly wondered “who is gonna do the work?”.  And not to leave Brad out, he weighed in with this “given the chance to make a life in America vs being taken care of but tracked, I would take America ANYDAY!”

This was just a wonderful way to start the morning.  It gave me hope that we ARE a center-right nation.  That we know the chance, the opportunity, to strike out and make our way is a fundamental and uniquely American principle.  That we get freedom.  That being provided for has its price.

Yet it’s this wonderful news that frustrates me from the marketing side of me.  I am convinced that a conservative approach to finance and economics is the way to prosperity and advancement.  But the right is SO poor at spreading the message that we get painted as greedy industrialists.  And we never EVER learn from that.  No one wants to hear that minimum wage laws should be abolished.  “How greedy can you get?  Slave wages for the poor!”  It resonates.  It sticks.  Never mind that unemployment goes up, cost of goods go up and innovation and choice are restricted.

And who doesn’t wanna provide less expensive yet better medical care to everyone?  We ALL do.  The problem is, there is a wrong way and a right way.  Restricting that market is the wrong way.  Opening it up is the right way.

But we never get the message out.  We just sit back and “can’t be bothered by that”.  It’s the same reason you never see serious economists enter into debate about the most commonly accepted financial principles; because it is so basic and understood, that to debate it is beneath all serious members.  It would be akin to debating that 2 is greater than 1.

Anyway, Brad, Britt….well said.  And welcome to the center-right society!

Wherein Pino Shades Purple

I am beginning to feel that I am slightly less red than I thought.  And with the New Year tried to talk myself into coming out.  That resolution is turning out to be harder than I thought.  See, I am convinced that both parties are flawed and am often dismayed that by claiming allegiance to one side or the other locks you into the whole bill of goods of either.  So, with that said, there are several {many} times when I think the right, or at least far right, has it wrong.  And when I am discussing or commenting, I always feel that if I come to defend the more liberal or “Democrat”‘ish view, I will be defending ALL of the policies of the Left.  And somehow that seems worse than letting the Right get a free pass.

Maybe I can try harder and allow my trend toward the Purple shine.

So, without further ado, I wanna say that I think this is good news:

The American Law Institute, the organization that provided the framework for our current capital punishment system, has washed its hands of the whole sorry mess. Abandoning the death penalty was necessary “‘in light of the current intractable institutional and structural obstacles to ensuring a minimally adequate system for administering capital punishment.’” In other words, we don’t have a fair system, and we’re not ever gonna get one. Better to stick a fork in it than to keep pretending it will ever be workable.

Now, to be clear.  I firmly and absolutely feel that there are things that members of our tribe can do that should result in death.  When your actions are so egregious that the survival of all of us is risked, you have, in essence, self selected out.  This is not punishment or deterrence.  It’s just you can’t be part of us any longer.

With that said, our current system of laws and courts, as good as it is, simply can not and will not apply the death penalty fairly.  As such, it just can’t be part of us any longer.

HealthCare: Price vs. Cost

I wish that I could say that I said it.  But I didn’t; Mr. Munger did:

Right now, our attempts at reform are doomed by a law of accounting physics: Insurance can’t cost less than the health care it insures.

Consider: I have car insurance. But my insurance doesn’t pay for oil changes.

Instead, I go down to the Happy Lube, without an appointment, get a diagnosis of the needs of my car, and choose services based on a price list published online. Some of these services are complex, and require large expensive machines and equipment. But I don’t have to pay a separate bill, or go wait in another line, at another office or lab.

… compare it to car insurance, for two people. Imagine neither of us has to pay for our car repairs, from accidents or engine wear. We can go to the garage as often as we like, and get whatever service we want, for free. The car repair shop can charge our insurance whatever they want, because insurance pays everything. An oil change would bill out at $600; an alignment would bill our insurance $2,200, with another $800 tacked on to pay for micro-digital wheel axis imaging.

Of course, the services aren’t really free. At the end of every year, we sum the total repair costs for both people, and each of us pays half of that total.

The cost of that free car care would be enormous, because of all the unnecessary and overly expensive charges. Of course, the government could subsidize the final bill; would that help? The answer is no, for two clear reasons.

First, having the government (meaning taxpayers) subsidize the total would do nothing to reduce the runaway cost increases. Buyers won’t shop around if they don’t know or care about real costs. Subsidies mean I don’t pay if I spend, and I don’t save if I’m frugal.

Second, let’s expand the example from two people (each paying half) to 300 million people getting free care (but paying an equal share of total costs). We have met the public option, and it is us! Once we are all paying ourselves, there is no one else to hit up to help with the costs. We are simply taking each person’s money in taxes, then giving some of it back in subsidies. There is no saving, even to individuals.

Just good stuff.