Used Car Dealers

Join me now for wondrous a ride in the Way-Back machine as we visit that time in the distant past when I built boats. Boat building is a wonderful business, full of some of the nicest people you’d ever want to go broke with.

Selling boats, not so much.

Like most folks in the business, I subscribed to several of the trade mags including Boat and Motor Dealer. It’s a good rag, full of how-to articles as well as profiles of the successful traders who would sell my wares to the unsuspecting public.

The advice? Emulate a car dealer.

Have you bought a car recently? After arm wrestling the salesman to a draw, you’ll be presented with a contract that is for a wee bit more than you might have thought the F&I manager promised.

Oh, the price of the car won’t have changed but that ain’t the amount on the check they want you to write.

Car dealers have mastered the hidden fee and the mysterious charge in the sales process: Some are inevitable, some are questionable, and many are just plain bogus.

Sales tax: There is no escape from death or taxes.
Title fee: It’s a tax. You’re stuck.
Vehicle registration (the license plate): Ditto.
Vehicle registration, part II: Florida residents adding a vehicle are assessed an additional $225 fee. Just because we can. Bogus but it’s a tax so you’re stuck.
Doc fee/conveyance fee: This so-called “documentation fee” pays for the paperwork every other business calls the overhead to record a sale. Dealers have just figured out that you should pay their overhead. Bogus.
Prep fee: The dealer preparation fee is assessed to cover the cost of preparing the car to hand over. The factory covers the prep fee. Really bogus.
Delivery charge: The factory already adds a “destination charge” to the invoice. You’ll notice that if you buy a model car from Wally or a kumquat from the grocery, there is no “destination charge” to cover freight. Other businesses eat that cost. Many car and boat dealers tack on an additional delivery charge of their own. Doubly bogus.
Advertising fee: This one’s extra tough because you’ll notice again that if you buy that model car or kumquat, there is no “advertising fee” to cover the cost of enticing you to the store. What, are they nuts?
Facility fee: This is a really, really good one. You get to rent the chair you sit in the waiting room. B-O-G-U-S.

The Airlines definitely read the playbook. They charge you for your ticket. Fine. They charge you for your meal. Ehh. They charge you to check your bag. Not so fine. And now they charge you for your “better” seat on top of charging for your flight.

Hospitals apparently read Boat & Motor Dealer, too. Here’s what the Miami Herald had to say yesterday on page one, above the fold:

Like baggage fees for air travel, healthcare may come with hidden costs called facility fees, and not all insurers pay them.

The Herald story details the unpleasant surprise a Miami woman had with the University of Miami’s network of clinics and hospitals. She had some testing done at one of their outpatient clinics. Her insurance paid for the tests but not the $210 bill from UHealth for “hospital services.” The hospital labeled it “Room and Board – All Inclusive.” She never set foot in any UHealth hospital or spent the night at the clinic.

She probably did sit in a chair in the waiting room, though.

Not all insurers pay them? Why should an insurer pay a new, extra facility fee? Why should the patient pay a new, extra facility fee?

Our South Puffin hospital owns several physician practices and has an urgent care center. Our North Puffin hospital has also bought or started physician practices, built a rural health center network, and a new urgent care center. I don’t know if either charges a facility fee. I’m afraid to ask.

I do know that SWMBO had to visit the North Puffin urgent care center over the weekend. She tangled with a piece of sheet metal in the barn and needed four stitches.

They did a great job.

They didn’t give her a bill.

Doctors have no idea how much a “procedure” costs. Hospitals can never tell you what it will cost to visit them. I do not understand how any business can get away with that.

“We’ll just bill your insurance,” they said.

Not giving her the bill may have been wise. See, I won’t pay a “facility fee” and do typically argue a bill line by line because the overreach of government and the malfeasance of the insurance companies aren’t the only reasons U.S. health care needs to be burned down and rebuilt from scratch.

If they had given me the bill, her insurer would have never even seen the bogus charges.

 

Preventive Testing

Blue Cross sent me my new Obamacare card and “Outline of Coverage” on Saturday, more than a month after I finally got signed up and 18 days after the new policy period started. I’m glad I didn’t get sick.

The accompanying letter advised, “Please carefully review the enclosed outline of coverage…”

I did. After the shock of seeing my deductible, I went online to view the more detailed explanation. That’s where I found this:

Women have unique health care needs that change over the course of their lifetime. The Affordable Care Act has expanded women’s preventive services to be covered with no member cost share for plans with ACA-defined preventive benefits beginning August 1, 2012 and upon renewal.

I understand why ACA would mandate free Rh(D) Incompatibility and other Screenings for Pregnant Females.

I understand why ACA would mandate free Cervical Cancer Screening for females only just as I understand why ACA would mandate free Prostate Cancer Screening for males only.

I simply do not understand why ACA would limit breast cancer screening, chlamydia screening, glucose screening, Hepatitis B virus infection screening, HPV DNA testing, to females only.

It’s not as if the government doesn’t know men develop breast cancer. NIH reports that, although breast cancer is much more common in women, men can get it too. It happens most often to men between the ages of 60 and 70. But there is no preventive male Breast Cancer Screening in the ACA list.

NIH reports that Chlamydial urethritis affects men. But there is no preventive male Chlamydia Screening in the ACA list.

An NIH report recommends the glucose challenge test screening for prediabetes and undiagnosed diabetes because diabetes prevention and care are limited by lack of screening. But there is no preventive male Glucose Screening in the ACA list.

CDC reports that gay and bisexual men are at increased risk for Hepatitis A, B and C. But there is no preventive male Hepatitis B virus infection screening in the ACA list.

CDC reports that most men who get HPV (of any type) never develop any symptoms or health problems but they can still transmit it to their partners. But there is no preventive male HPV DNA testing in the ACA list.

“If you like your health insurance, you can keep your health insurance.”

I did like my health insurance. It did offer free breast cancer screening, chlamydia screening, glucose screening, Hepatitis B virus infection screening, and HPV testing. To everyone covered. It covered my cataract surgery with no waiting period for the cataracts to “mature.” And so on.

Now I have sticker shock: The new policies cover less and cost more.

I'm from the Government

Once upon a time, that wasn’t a joke.

 

Rehash

Year end usually means a wrap-up but I really dislike retreading the same roads and rehashing old news. Still, I can maybe get one person to think outside the box.

The trouble with our liberal friends
is not that they’re ignorant; it’s just
that they know so much that isn’t so.
–Ronald Reagan

University of Vermont professor Henry Perkins’ eugenics courses and his “Vermont Eugenics Survey” — well supported by his own empirical evidence — led directly to the Vermont sterilization law of 1931. Vermont’s 253 sterilizations on poor, rural folks as well as Abenaki Indians, French-Canadians and others put that state only half way up the scale of eugenics providers nationwide. Millions of true believers had blind faith in eugenics.

An investigation by the Wall Street Journal earlier this month reported that “lobotomy’s most dogged salesman,” the late Dr. Walter Freeman, performed some 3,500 frontal lobotomies during the 1940s and 1950s including Rosemary Kennedy’s at the age of 23. He was so confident that he once demonstrated his procedure by hammering an icepick into each eye socket of a patient and “toggling” the picks around certain that he was severing the brain tissue “correctly.” Millions of true believers had blind faith in the science of lobotomies.

Astrology has shown through extensive experimentation that the positions of celestial bodies influences, divines, or predicts personality, human activities, and other terrestrial matters. Millions of true believers still have blind faith in the science of Astrology.

Three stories from Facebook this week illustrate my point about blind faith.

“OMG,” my friend Ashley Proctor wrote. “We all must come to the realization that eating anything out of the Pacific Ocean (let alone swimming in it) is a thing in the past.”

She was responding to the headline, All Bluefin Tuna Caught In California Are Radioactive.

“It’s never going away,” she wrote. “Not in our lifetime. Not ever. WE SCREWED UP THE PACIFIC OCEAN, people. We screwed up the OCEAN.”

~~~

I basked (briefly to be sure) when one of my teaching moments appeared to bear fruit: Dr. Jon Friar, my earnest, apparently data driven liberal friend wrote in a Global Warming thread, “This blind race toward ignorance is especially galling when it’s run by people like Dick, who really should know better.” Unfortunately, that and the hope “that reason and facts will convince and even convert, when in fact they don’t do either” have been my own arguments about Dr. Friar and his friends for some years now.

“A more likely truth is that they’re simply feeding your words back to you as a (pretty decent) troll,” Liz Arden said.

~~~

“Climate scientists got their funding from the NSF and NASA,” Dr. Friar said. “You can’t get better data than that.”

~~~

“Congratulations, Dick!” my friend Lee Bruhl wrote in response to Delay Is Not Working. “You have joined a few million other Americans in signing up for more extensive medical insurance than you had before and you did it through Healthcare.gov!”

Our liberal friends obviously take only what confirms their prejudices out of any report.

Delay Is Not Working as well as the bulk of data-driven reports (including mine) about health care reform show that it is neither reformed nor viable. It does pointedly mention that I was never able to make Healthcare.gov work and that I “signed up” via three long phone calls.

Here’s the bulletin: A few million Americans have indeed signed up for new policies under the mandate of Obamacare. Most are the people like me whose policies the ACA forced insurers to cancel. And it appears that fewer Americans will be insured as of January 1 than are insured today. Still, millions of true believers have blind faith in Obamacare.

The liberal argument for Anthropogenic Global Warming goes something like this: “Man causes it so we have to uncause it. I know this because noted scientists like Al Gore told me so.”

That same liberal argument trots out a bunch of data that shows global temps have risen and some computer predictions say that our continued existence will drive its continued rise. “The science is fixed,” they say in contradiction to the actual scientific method. In fact, when other scientists offer data like solar activity that disputes their flat-earth belief, our liberal friends put their thumbs in their ears.

Here’s the bulletin: the Earth heats and the Earth cools. Since we have both limited resources and limited political will, it would be a whole lot smarter to devote those scarce resources to adapting to the changes than to marketing a costly political measure built on junk science. Still, millions of true believers have blind faith in Global Warming and the idea that we can fix it just by eliminating man’s influence.

The liberal argument for research funding goes something like this: “If the government says so, it must be impartial.” Interestingly, many of the scientists studying or performing phrenology, eugenics, lobotomies, and tobacco did so with government funding.

Here’s the bulletin (this is an analogy): Bernie Sanders likes us to believe the PAC campaign funds he raises from unions and American Crystal Sugar are somehow less corrupting than PAC campaign funds his opponents get from ExxonMobil. Still, millions of true believers have blind faith in scientists on the government payroll. As long as those moneys are for a “good” cause.

The radioactive liberal argument starts from a report that “every bluefin tuna tested in the waters off California has shown to be contaminated with radiation that originated in Fukushima. Every single one.”

Never mind that most reports show the Fukushima radiation in Pacific tuna is equal to about one twentieth of a banana (the Forbes article is most readable). Doesn’t matter. Millions of true believers have blind faith that “We screwed up the OCEAN.”

Here’s the bulletin: OMG! WE SCREWED UP BANANAs people! We screwed up BANANAS. I’ll never eat fruit again!


One last try.

The scientific method is the technique true scientists use to investigate phenomena, acquire new knowledge, and (this is key) correct previous theories. Scientists systematically observe, measure, experiment, and test, their hypotheses. Most importantly, scientists support a theory as long as they can confirm its predictions but they challenge a theory when even one experiment or bit of data proves its predictions false.

The political scientists of the liberal left have shown that they find a theory like radioactive tuna, find some data like periodically rising temperatures that supports the theory, and declare the theory fact as they do with the “success” of the ACA in reducing the cost of health care. Then they drink the Kool-Aid.

I’ll never eat fruit again!

Happy New Year.

 

Delay Is Not Working

Republicans, June 1: “Please Mr. President, just cancel Obamacare.”
Obama: “No.”

Dealmaker John BoehnerRepublicans, July 1: “Please Mr. President, just change Obamacare.”
Obama: “No.”

Republicans, August 1: “Please Mr. President, just end the mandate.”
Obama: “No.”

Republicans, September 1: “Please Mr. President, we’ll huff and we’ll puff and we’ll blow Obamacare down.”
Obama: “No.”

Republicans, October 1: “Please Mr. President, just defund Obamacare.”
Dealmaker Barack ObamaObama: “No.”

Republicans, November 1: “Please Mr. President, just cancel the mandate for a year.”
Obama: “No.”

Republicans, December 1: “Pretty please Mr. President, just delay the mandate for a few days.”
Obama: “No.”

Republicans, today, Monday, December 23: “We’re sorry, Americans. We tried our best.”
Obama: “Let me clarify that you will automatically qualify for a ‘hardship exemption’ from the mandate if your health plan was canceled.”

For the record, today, Monday, December 23 was the deadline to bind health coverage that will start January 1.


Also for the record, I’m not dumb enough to go without health insurance. I’m a 64-year-old American in good health with a cancelled Blue Cross policy that I liked. I’m not dumb enough to go without health insurance because my friend the former South Puffin mayor tripped on the sidewalk the other day. He broke his neck. He’s paralyzed. He was in pretty good health, too.

It took me only 28 otherwise billable hours including three looooooooooong phone calls to sign up. I (probably) now have a policy I don’t like, from a government I don’t trust, confirmed by a website that doesn’t work.

 

Jamie’s World … And Mine

This is a story of unintended consequences. And of the unconsidered effects of law.

Christina's WorldWe listened to the podcast, Naomi’s World last week. The Truth takes a surreal — and fun — turn on a trip to the Museum of Modern Art in New York City. Go listen. It’s good.

Anne asked me about Andrew Wyeth and his son, my contemporary, Jamie. We got to wondering how artists like Jamie Wyeth cope in this day of Obamacare.

Disclosures:
1. My mom knew Andy. I think I have met Jamie but I have no “inside track” about his insurance and nothing in this column came from him.
2. I chair a small arts council (a “Local Arts Service Organization”) and worked to create a group health insurance plan to lower the cost for artists.

Does Jamie Wyeth collect social security? Is he on Medicare? Does he have to buy insurance under Obamacare?

SupportThe third generation of the Wyeth family of painters, James Browning Wyeth was a participant in NASA’s Eyewitness to Space program during the late ’60s and ’70s. I was privileged to exhibit his Support at left and Apollo 11 One, Two, Three when we brought the NASA art exhibit to St. Albans aboard the ArTrain.

He is three years older than I so we thought he might not have to fight with the Obamacare Exchange.

“If you’re over 65, you’re eligible for Medicare,” Mr. Obama and most other people including every Exchange “assistant” I’ve talked to as well as Rufus believe. “I thought 65 had always got you Medicare,” Rufus told me.

When you work and pay Social Security taxes, you earn “credits” toward Social Security benefits. If you were born in 1929 or later, you need 40 credits (10 years of work).

Most people get hospital insurance [Medicare Part A] when they turn 65. You qualify for it automatically if you are eligible for Social Security or Railroad Retirement benefits.

Ernest Ackerman got the first ever Social Security payment, a lump sum of 17 cents, in January 1937. This was a one-time pay-out, the only form of benefits paid during the start-up period January 1937 through December 1939. Ida May Fuller of Ludlow, Vermont, was the first recipient of monthly Social Security benefits. Medicare was passed into law in 1965; the first beneficiaries signed up for the program a year later. Former president Harry Truman received the first Medicare card but not everyone over 65 can get one.

Turns out Mr. Obama — and most of the rest of us — got it wrong. Again.

Most people do indeed get Medicare Part A when they turn 65 but it is not available to you if you didn’t pay in to Social Security for 10 or more years over your lifetime. It is not available to you if you’ve been in the U.S. legally for fewer than 5 years.

Some artists and musicians are approaching or over 65 have never held a day job, never paid in to Social Security through an employer, never earned enough to pay in to Social Security on Schedule E. I worry about their retirement.

As far as I know, Mr. Wyeth has never had a day job.

If you are over 65 and aren’t eligible for Medicare, you may buy a plan in the Exchange. However, you will not receive a subsidy.

Mr. Wyeth is over 65 and could be required to buy insurance on the Exchange. The good news is that insurers are required to offer him a policy and that he can most likely afford the premiums. The bad news is that other artists are not so fortunate.

I’ve covered why you might not be eligible for Medicare. You are eligible at age 65 if you:
• Receive Social Security or railroad retirement benefits;
• Are not getting Social Security or railroad retirement benefits, but you have worked long enough to be eligible for them;
Would be entitled to Social Security benefits based on your spouse’s (or divorced spouse’s) work record, and that spouse is at least 62;or
• Worked long enough in a federal, state, or local government job to be insured for Medicare.

The definition of a successful artist in Vermont has long been “an artist with a working spouse.”

It is 3°F in North Puffin as I write this. Gonna be some other artists out in the cold this winter.