Friday, September 25, 2009

TerriK INVESTIGATION – PART 1: Hawaii Department of Health Directors Fukino and Okubo Are Guilty of Misdirection

http://www.f-lohmueller.de/pov_tut/animate/hypno13_s.gif



INTRODUCTION


The entire Presidential eligibility movement has been ridiculed as a fringe “conspiracy theory” by main stream media, members of Congress and even Judges speaking directly from the bench. This ridicule is largely due to public statements made by Hawaii Department of Health Director, Dr. Chiyome Fukino (see below) which testify that she has seen vital records maintained by her office which prove President Obama was born in Hawaii and that he has an original birth certificate on file there.


The ridicule has been broad, extending even to public investigators like myself who believe that President Obama was actually born in Hawaii. But reliance on Director Fukino and her Communications Director Janice Okubo are sadly misplaced. They are guilty of misdirecting the public away from vital records information made expressly available by statute where no privacy exceptions apply.


These accusations are not a matter of conjecture. They are a matter of fact and shall be proved. This, Part 1 of the full report, will illustrate multiple instances of misdirection.


Following reports in the days ahead will detail various information requests made by TerriK and their eventual resolution. The resolution involves official responses which – according to statutory application – admit the existence of amendments and/or corrections to President Obama’s vital records despite the continuing pattern of misdirection.


Continued at: Natural Born Citizen Blog - Attorney Leo Donofrio


Sunday, September 13, 2009

Factcheck.org Admits to Two Errors Regarding Obama's Eligibility - 3rd Challenge

Attorney Leo Donofrio has challenged Factcheck.org on an error regarding statements of fact about Kenyan and British citizenship laws. He also challenged them regarding a statement of fact concerning his status as an attorney. Factcheck.org has corrected both 'misstatements' of fact.


Now, Leo is challenging them on the following statement:


“Since Sen. Obama has neither renounced his U.S. citizenship nor sworn an oath of allegiance to Kenya, his Kenyan citizenship automatically expired on…”


Where’s the documentation on this brazen statement. Fact Check needs to own up, or else change it’s name/mission statement. How’s this – ‘FactCheck – But Sometimes We Make Stuff Up’. Their careless mistakes lead me to doubt anything they have ever written.


Read this at: Natural Born Citizen Blog


And here's the first article: Natural Born Citizen Blog


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Saturday, September 12, 2009

Health Insurance Co-Ops vs. Government-Run Health Insurance

More Honest Debate

What is a Cooperative (Co-Op)?

A Cooperative is a business organization owned and operated by a group of individuals for their mutual benefit. A cooperative may also be defined as a business owned and controlled equally by the people who use its services or who work at it.

There are many types of Co-Ops in the United States. I will attempt to address some of the most common cooperatives. If you belong to a credit union, you are already a member of a Co-Op. My electric and natural gas utility company is an EMC, another word for Co-Op. In the insurance industry, Co-Ops are called Mutual Companies, or Mutual Legal Reserves.

Credit Unions are owned by their members. When you join, you must establish a share account and maintain a minimum balance. Your share account is your capital investment in the company. You are paid ‘dividends’ on your savings and checking accounts. Dividends are your share of the Credit Union’s profits. A Credit Union offers benefits for its members such as preference on home and automobile loans.

An Electric Membership Corporation (EMC) is a service cooperative owned by those who receive its services. There are nearly 1,000 electric cooperatives in the United States. When the EMC makes a profit, those profits are shared with customers through credits to their electric bills, or lower rates.

Health Insurance Co-Ops

Health Care Services Corporation (HCSC) is the largest customer owned health insurer in the United States.

  • HCSC operates the Blue Cross and Blue Shield plans in Illinois, New Mexico, Oklahoma and Texas, employing 17,000 people and serving more than 12.4 million members - 38% in national employer plans, 32% in large local employer plans, 10% in small employer plans, 10% in individual plans and 10% in government plans.

  • HCSC is the fourth largest health insurance company in the United States and the largest customer-owned health insurer. In 2008, the company's gross revenue totaled $39.9 billion (considering all subsidiaries which are not included in the chart below in accordance with GAAP).

  • HCSC is the most financially secure health insurer in the United States, with a rating of AA- (Very Strong) from Standard and Poor's, Aa3 (Excellent) from Moody's and A+ (Superior) from A.M. Best Co.

  • HCSC retains full or joint ownership of a number of subsidiary companies, including Fort Dearborn Life Insurance Co., Dental Network of America, MEDecision, Availity, Prime Therapeutics and RealMed.

If the HCSC model is the type of Health Insurance Co-Op being discussed in Congress, then I am a fan. Yes. Here is an idea that would have strong bi-partisan support. We can agree on Health Insurance Co-Ops. In my opinion Co-Ops are in line with the purest sense of Capitalism. On the other hand, if Congress is talking about some kind of partially Government owned, or Government controlled entity, then I am not in favor.

In fact, I would like to join HCSC, or a similar Co-Op, but unfortunately it only operates in 4 states, and none of the health insurers in my state are co-ops. Fostering increased competition by allowing insurers to operate in all states would be an improvement.

The Plan

So if America wants to convert its health insurance industry to Co-Ops, the question is how? Obviously, it would be unfair, and foolish, to force the existing insurers out of business, so how do you get them to convert?

I am a proponent of Binary Economics. Under Binary Economics, the only role of Government in private enterprise is to offer interest-free loans through its central bank. Existing publicly traded insurers will need to buy back all of their stock in order to make the conversion to mutual companies. Interest free loans from the Government will facilitate this conversion. The loans will be paid back over the long-term out of the profits of the insurers. Once the loans have been paid, the insured will be able to participate in a larger share of company profits. Profits will be shared with policy holders either in the form of dividends, or lower insurance rates.

Interest free loans are not hand-outs, or bailouts. The money gets paid back. Granting interest free loans would be a much better use of taxpayers money than the current foolishness being promoted by certain 'linear' thinkers (right and left). The World is not flat. In fact, most good ideas come from outside of the box.

Reforms I can believe in:

  1. Conversion of the Health Insurance Industry to Co-Ops
  2. Tort Reform
  3. Fostering Interstate Commerce for increased competition
  4. No denial for preexisting conditions
  5. Tax Incentives for those paying higher premiums due to preexisting conditions
  6. Tax incentives for purchasing health insurance
  7. Portability of policies


Reforms I don’t believe in:

  1. Making health insurance mandatory
  2. Taxing employers who don’t offer insurance
  3. Expanding Government-Run health care
  4. Excessive Government Regulation
  5. Triggers





click images to enlarge



Sources:

http://www.hcsc.com/about-hcsc/overview.html

http://www.investopedia.com/terms/m/mutualcompany.asp

http://en.wikipedia.org/wiki/Co-op

http://www.waltonemc.com/mycoop/

http://larrymwalkerjr.blogspot.com/2009/08/government-insurance-vs-private.html








Monday, September 7, 2009

Mopping Up After Obama - HSA's and Energy Credits

(click image to enlarge)


More Honest Debate


Can the Federal Government outsmart itself?


Health Savings Accounts (H.S.A.'s) either work, or they don't work. The government came up with a great plan, but failed to promote it. That's what our government does. They solve a problem, and then come back in a couple of years and solve it again. We are seeing it with health care, as well as with energy policy.


Health Savings Accounts are a great idea. I have had one for over three years and have been satisfied with the program. Since I am in control of the spending, I don't always take the doctors advice about redundant tests and follow up appointments. Since I have to pay for those tests and appointments I make sure that I really need them before making the appointment. If it wasn't coming out of my pocket, I would be less inclined to question, and more inclined to take every redundant test, and make every redundant follow up appointment, whether I felt I needed it or not. Don't you dare give me something that works, and then threaten to take it away because the rest of society hasn't caught on. Either health savings accounts work, or they don't. And if they do, then the government had better get to the business of promoting them.


Speaking of energy policy, I'm a bit disgruntled that, after spending over $10,000 in home energy improvements, the federal government through a cap-and-trade tax now thinks that wasn't good enough and they want to raise the cost of energy, thus negating any long-term savings I may have hoped to gain. Either the energy tax credits worked, or they didn't work. Make up your minds. We got the message already and most Americans have incorporated energy savings mechanisms through the free market. Now the message seems to be that Americans have failed to get the message so now the Government will take over and force energy savings down our throats. So will the Government reimburse me for what I have expended in following its previous advice?


Seems to me that Barack Obama and his left-wing cadre certainly don't have the best interests of this American at heart. And, well, if the majority of Americans feel the same way, then I would venture to say that Obama doesn't have the best interests of America at heart.

Wednesday, September 2, 2009

Empowering Patients First Act - H.R. 3400

Putting Patients First!


RSC Chairman Tom Price has introduced the Empowering Patients First Act. This is another positive solution from the Republican Study Committee that grants access to affordable, quality health care for all Americans, and is centered around the patient. By increasing patients’ control over their health decisions, we will make coverage more affordable, accessible and responsive, while offering more choices and the highest-quality care.



This solution is centered around four main principles:

#1: Access to Coverage for All Americans


  • The Empowering Patients First Act makes the purchase of health care financially feasible for all Americans, covers pre-existing conditions, protects employer-sponsored insurance, and shines light on existing health care plans.

#2: Coverage is Truly Owned by the Patient



  • This legislation grants greater choice and portability to the patient, and also gives employers more flexibility in the benefits offered. It also expands the individual market by creating several pooling mechanisms.

#3: Improve the Health Care Delivery Structure



  • Physicians know the best care for their patient. That's why this legislation establishes doctor-led quality measures, ensuring that you get the quality care you need. It also reimburses physicians to ensure the stability of your care, and encourages healthier lifestyles by allowing employers to offer discounts for healthy habits through wellness and prevention programs.

#4: Rein in Out-of-Control Costs



  • A key concern in positive reform is reining in out-of control costs. This legislation does this by reforming the medical liability system. Also, the cost of the plan is completely offset through decreasing defensive medicine, savings from health care efficiencies, sifting out waste, fraud and abuse, plus an annual one-percent non defense discretionary spending step down.


Additional Information:

Short Summary
Detailed Summary
Section by Section Summary
Full Bill Text

RSC Press Release


Steny Shivers, Shakes at Patient-Centered Health Care Solution

Side-by-Side Comparison with the House Democrat Government Takeover (H.R. 3200)

POLITICO - "How the GOP Wants to Fix Health Care"

Chairman Price Accepts Obama's Invitation to Examine Health Care Proposals Line-by-Line

Letters of Support:
From Americans for Tax Reform


http://rsc.tomprice.house.gov/Solutions/EmpoweringPatientsFirstAct.htm


Tuesday, September 1, 2009

Government-Run vs. Private Health Insurance


The table above was revised on 08/30/09.

click image to enlarge


Government-Run vs. Private Health Insurance

More Honest Debate

First of all, 60% of private sector health insurance providers are non-profits who must by law disclose their records to the public. You can find their tax returns online including information about programs, and compensation.

Most of the remaining companies are publicly traded and by law must file 10K and 10Q reports with the SEC. Their financial information and compensation information is also available online on various websites.

Information on government-run health insurance programs (i.e. The Public Option) may also be found online. The Social Security Administration issues an annual Trust Fund report. (Note: Both public trustee positions are still vacant.)

In comparing the three types, it is clear that something is wrong with the federal government. I have to disclose that I did not include the funds that Medicare obtains from general government revenues, above, because this money comes directly from income taxes.

Medicare Part A is funded primarily by payroll taxes assessed on an individual’s total wages. Medicare B and D is funded primarily by premiums charged to Social Security recipients (which I might add is kind of redundant).

To be brief: For-profits are by necessity in the black. On the other hand, government-run insurance is in the tank. In fact, Medicare is projected to exhaust it’s assets by 2017 according to the
2009 Annual Trustees Report.

So I ask this question. Who is better qualified to manage health insurance: the 'government workers' in Washington, DC or the Private Sector? I think you know the answer.

Solution: With proper regulation and oversight, turn over Medicare, and Social Security to the Private Sector. Bigger government is not the solution, it's the problem.


[Update: Expanded table and updated sources on 08/30/09]


Sources: