Chuggita Chuggata

Floating objects we call “chugs” wash up from time to time on the beaches here in the Keys. Cuban boatbuilders work with materials scavenged from junked cars, crates, roofs, packing.

Google Cuban Chug ImagesThese almost-boats are small enough to build in the sheds and garages of Cuba where craftsmen keep ’53 Chevvies running and can make a Vermont farmer cry with their ingenuity to recycle and repurpose and reuse 60-year old iron.

Then 20 or 30 desperate people crowd aboard for a journey of days or weeks across open ocean, dodging Cuban and American patrol boats, huge, blind cargo ships, go-fast drug boats, and other sharks.

The salvaged engines have only one direction: north. The engines run at a chuggita chuggata low speed slowly propelling people who hope for the best when they leave everything behind.

In spite of our political malfugalties, those 20 or 30 people are desperate to get one foot on American soil.

Many chugs look like boats for obvious reasons. Humans arrived on Borneo by “boat” at least 120,000 years ago. Egyptians knew how to sew wooden planks into a ship hull as early as 3000 BC. Boats have evolved since then but most still have a pointy end to go through the water first and a hull shape that is easy to push. Most chugs are like that.

A different chug arrived on Coco Plum last Fall. It is unique in construction with a welded rebar space frame, metal roof panels hammered into shape, and styrofoam blocks as flotation and deck combined.


Cuban Chug Collage

The boatbuilder impressed me for inventiveness and resourcefulness. Many of these unseaworthy boats sink; the Styrofoam blocks might have been awash under the load, but they would support it. The lightweight roofing protected the flotation from abrasion. The rebar frame kept the people aboard and kept the boat together.

I’ve wandered over to Coco Plum to photograph the chug several times, including yesterday, and ended up with a pleasingly good batch of images. I had pre-planned, so I knew what I wanted to compose. And I checked that the tide would be out at the time the light was right. The vessel was a little higher on the beach than I remembered so the background was within the Depth of Field zone but I stood in the water and shot with the 100mm lens. The detail is so fine that you can count the threads on the rod used to secure the hull to the top frame.

I like these images; this album will continue to grow.

I’m thinking we want anybody that resourceful to live and grow here, too.

The “wet foot, dry foot policy” is the Cuban Adjustment Act of 1966 that permits that anyone who flees Cuba and makes it onto United States shores can to pursue U.S. residency a year later. Any Cuban caught on the waters of the Florida Straits (hence the “wet feet”) are sent home or to a third country. Any Cuban who makes it to shore (“dry feet”) can stay. The law provides for expedited legal permanent resident status and, eventually, citizenship.

News:
A Key Largo man tired of “illegal immigrants” was jailed for threatening a man with a knife after asking a group of people for “their papers.” (The 50-year-old construction worker he pulled the knife on is from Miami and was born in the United States.)

At least 18 Haitian migrants died on Christmas day as their boat carrying 50 people capsized off the Turks and Caicos islands. Eleven Haitians died in 2012 when a boat carrying 28 people from the Bahamas to Florida sank.

Forty residents of Perico, a town about 100 miles southeast of Havana, drowned at sea on a failed attempt to cross the Straits in 2007. The group included between nine and 12 children and expected to make landfall in the Keys.

We have an interesting way of enforcing national immigration policy here in South Puffin. The Key Largo man was arrested for aggravated assault with a deadly weapon, burglary, battery, and criminal mischief. His bond was set at $114,000 but we give the few illegal immigrants we catch free room and board before sending them back.

Over on another border, Arizona Sheriff Joe Arpaio offered to detain illegal immigrants his Tent City because U.S. Immigration and Customs Enforcement officials announced they would release a number of illegal immigrants held in immigration jails. See, the Feds needed to cut costs.

Can you spell Immigration Reform?

The muttonheads we sent to Washington to fix laws like this are too stupid to fix the problem but men and women and children from every country in the world will risk their lives to get here anyway. Just think how much we could accomplish if people like this chug builder could build real boats here.

On the other hand, I don’t have much use for pictures of cruise ships but I’ll have plenty to photograph as long as people are willing to come here on boats like these.

 

Obamacare, the Good, the Bad, and the Wugly

The Good:
“I ventured into the ACA minefield,” my friend Fanny Guay said. “I found I can get ‘gold premium’ coverage for about what I am paying now, thanks to the subsidy.”

Enola “Fanny” Guay’s parents joined the back-to-the-land movement in Vermont at the Nearings old farm house, far from big government and rampant consumerism. Ms. Guay’s friends are now the power brokers and consumers of Montpelier but she just lost her job with a small heating assistance NGO when they lost their outreach contract with the University. I’ve known her for nearly 50 years; she was pro-Cheryl Rivers in Vermont years ago and is pro-Obamacare now.

The Bad:
The real subsidy gotcha comes when Ms. Guay discovers that her subsidy isn’t a guarantee; it is an early refund of an income tax credit. A guarantee on Obamacare that isn’t, well, guaranteed? Imagine that.

Ms. Guay hopes to find a new job next year but says, “I figured the cost on my unemployment and some part-time. I hope that’s not what really happens.”

The “subsidy” will bite many, many people who calculate it based either on a low 2012 tax return or on a calculation like Ms. Guay’s and then end up with an increase in taxable income when they file their 2014 returns.

Imagine you earned $20,000 this year. Now imagine that your $20,000 income gets bumped to $50,000 by a windfall — it could be capital gain from a stock sale, a temporary consulting job, or a gambling win.

Warning! Real Data Ahead! ACA Supporters please stop reading here!
I ran those numbers at thehealthsherpa.com and discovered that the Gold plan Ms. Guay found might have a $981.26 base monthly premium but would cost the $20K earner just $321.53 per month thanks to a $659.73 subsidy. Unfortunately, with the windfall, that single insured person would have an unexpected “extra” tax bill of $7,916.76 due April 15, 2015, because the monthly subsidy on her $50 grand income drops to $0!

Kaiser Permanente says “In determining eligibility for exchange subsidies, income will be based on your attestation of your expected income in 2014 and will be verified by the exchange with documentation from your most recent tax return, with consideration of reasonable changes you expect. Exchanges will calculate enrollees’ household incomes using Modified Adjusted Gross Income, or MAGI. The MAGI calculation includes such income sources as wages, salary, foreign income, interest, dividends, and Social Security. MAGI calculation does not include income from gifts, inheritance and some other income sources are partially excluded.” More information on MAGI is available in a report from UC-Berkeley).

We are so screwed.

The Really Bad:
I compared what I have now to a “pretty good” similar plan with the closest deductible I could find.

Here’s the BlueOptions Everyday Health 1420 “Gold” plan on the Exchange. The Annual Deductible at $2,500 for me will be $50 more than I pay now. The co-insurance at 20% will be twice as much as my current coinsurance. The premium will be $1,084.67, or $653.67 per month more than my current premium.

My Current Blue Cross Blue Shield PlanOuch.

Here’s the Blue Cross Blue Shield plan plan I currently have. The plan Mr. Obama cancelled. The Annual Deductible at $2,450 for me is $50 less than the most comparable plan I can find under ACA. The co-insurance at 10% is *half* as much the coinsurance in the most comparable plan I can find under ACA. The premium is $431/month this year. The premium for the most comparable plan I can find under ACA will be $1,084.67 or 653.67 more than my current premium.

So the ACA that Mr. Obama guaranteed to let me keep my plan and guaranteed to save me money nearly triples my cost.

I am so screwed.

The Wugly:
Forbes analyzed the data. “If you’re healthy today, you will face steeper rate increases than these figures indicate. If you have a serious medical condition, however, and haven’t been able to find affordable health coverage as a result, you will do much better under Obamacare than the average person.”

“But Dick,” Ms. Guay said, “Now I have insurance that covers my pre-existing conditions and that I can afford!”

Yeppers.

Too bad you liberals had to cover Ms. Guay by making sure young men pay thousands extra at the point of a gun. They don’t vote anyway.

Too bad you liberals had to cover Ms. Guay by making sure I pay thousands extra to change a plan I did like. Also at the point of a gun. I don’t cast enough votes to matter, either.

Too bad you liberals had to cover Ms. Guay by giving the insurance companies yet another welfare check instead of fixing the problem.

Too bad you liberals won’t guarantee the “subsidy” so Ms. Guay can afford that plan past the next election.


… BREAKING NEWS #1 …

ACA forced carriers to cancel policies for 5 million people.
Meanwhile, Reuters reported that fewer than 27,000 people signed up for plans in October. About 79,391 more signed up through state-based exchanges, 30,000 in California alone.

100,000 sucked in … 5,000,000 shafted out.
Government in action, baby. Government in action.
 
… BREAKING NEWS #2 …

Mr. Obama reversed course on Thursday and said millions of Americans should be allowed to renew individual plans and small group plans like mine just cancelled under his watch.*

Like Gov. Shumlin before him, Mr. Obama didn’t ask the insurance companies. Insurance spokesmen and state insurance commissioners immediately warned that prices will skyrocket.
* If the insurers refuse to reinstate now, of course, now they bear all responsibility for the cancellations.
Right.

 

We Don’t Need No Steenking Details — Part II

5 years to develop Exchange website and 2 years of testing?

Say what?

“They had the architecture. They had the pieces,” software engineering manager Liz Arden said. “With any kind of competent team, this is a one-year project with the testing integrated in the development.”

“The White House said that it would fix the insurance marketplace by Nov. 30, raising the question of how people whose current policies do not comply with the law will get new coverage in time,” the Wall Street Journal reported.

Uh huh.

That’s the same White House that said, “If you like your plan, you can keep your plan.” That’s the same White House that, with rose [garden] colored glasses just days before HealthCare.gov went live, pitched how much we would love it,

The bad news? The Administration will eventually bow to pressure to extend the deadline leaving all of us *with* private insurance out in the cold. See, the policy I have (and the policy you have) is no longer available December 31.

I am one of the millions with individual or small group policies who lose our insurance on December 31. That would be the insurance policy Mr. Obama promised we could keep.

What am I supposed to do when the law says I have to buy a policy and there is no policy to buy because the federal government (we’re here to help) pulled a FEMA on us.

Oh.

FEMA.

Now I understand.

Never mind.

I'm from the Government
 

Keeping Our Promises

“Dear Valued Customer:

“Your health care coverage with Blue Cross/Blue Shield ends December 31, 2013. Please make other arrangements.”

The new Blue Cross BlueOptions Everyday Health 1431 plan has about twice the deductible, out of pocket max, and copays as the plan I have now. My current Blue Cross plan costs $431/month. ACA forced Blue Cross to drop that plan in favor of one that will cost at least $1,039.87/month.

Yep. Keeping our promises to the American people.

Or not.


Update: Brian Williams had this to say about that on NBC Nightly News.

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