Giving Thanks

Today is America’s primary pagan festival, celebrated to show love to the gods for a bountiful harvest on a New England day in which fields are now mostly covered in snow and which George Washington proclaimed as a day of thanks as a national remembrance.

Whereas it is the duty of all Nations to acknowledge the providence of Almighty God, to obey his will, to be grateful for His benefits, and humbly to implore His protection and favor, and Whereas both Houses of Congress have by their joint Committee requested me ‘to recommend to the People of the United States a day of public thanksgiving and prayer to be observed by acknowledging with grateful hearts the many signal favors of Almighty God, especially by affording them an opportunity peaceably to establish a form of government for their safety and happiness’.”

While it is easy for this curmudgeonly writer to kvetch about the corruption and thievery stretching from here to Washington or to fret that my truck needs new brake lines and my little house needs new shingles, those are just everyday irritants and (thankfully) I know how to fix them.

I am thankful I have a white truck. Not to mention a (topless)(white) car. And that Anne has white car.

I am thankful my grandfather at age 94 decided to live out his very good life in the Keys.

I am thankful I started my life as an engineer and am now spending some of it as an artist.

I am thankful we will have friends here today.

I am thankful my children, my grandchildren, and my great-grandchildren are happy, healthy, and will be well fed again today.

I am thankful Anne is here today and will be here tomorrow.

I am thankful for Anne and for Nancy, two loving, caring, beautiful ladies. I am blessed.

And I have pah!


Ben Franklin thought the turkey should be America’s bird so I’m thankful to have found a big inflatable turkey in a local yard. The original Thanksgiving Perspective is here.

ahh, supper
 

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.

 

Snapping Out

Starting today, We the Overtaxed People will give food stamp recipients less money each month because a “temporary” $5 billion stimulus has expired. Those funds, along with certain COBRA and ERRP benefits and more, came from the 2009 Recovery Act.

Let them eat cake!One in seven Americans, or about 47 million people, depend on SNAP (the federal Supplemental Nutrition Assistance Program) to pay some or all of the cost of their groceries. The average beneficiary received $133.41 in food stamps per month last year.

“A family of four will lose $36 per month!” my retired newspaper editor buddy Lido “Lee” Bruhl said.

No.

That family of four simply had an extra $36 per month to spend for a little while. Kind of a windfall. My buddy Lee has always wanted to tax windfalls at 120%. Or more.

One wag wondered, “if obesity is the problem the left claims it is, then they should be happy.”

Heh. I do note that most food stamp recipients buy better cuts of meat than I do, but that’s not the right question.

Learn to fish, GrasshopperThe Food Stamp Act of 1964 appropriated $75 million to 350,000 individuals in 40 counties and three cities. By April of 1965, participation topped half a million. Participation topped 1 million in 1966, 2 million in 1967, 3 million in 1969, 4 million in February, 1970, 5 million one month later, 6 million two months later, 10 million in 1971, and 15 million in 1974. As of 2013, more than 15% of the entire U.S. population receives SNAP assistance. Washington D.C. gives SNAP to 23% of its population.

The $75 million Food Stamp Act of 1964 had grown to $78.4 billion and the 350,000 to 47 million in 2012.

The right question is, why do liberals think it’s better to enslave our population (47 million and growing and growing and growing) than it is to teach them to fish?

 

Good Cop, Good Cop

Did I ever tell you the story of the night I spent in jail? And did you know I do not drink coffee, ever?

My folks were heavy coffee drinkers but I never liked the taste as a kid. We spent one rainy afternoon on the boat on the Chesapeake, sitting at the dinette playing cards, my folks with coffee in their tall Aladdin™ tumblers and me with Pepsi™ in mine. The tumblers were all red. You know what comes next, right? Yeppers, I grabbed the wrong one and took a healthy chug. Even the Pepsi™ didn’t kill it. I do not drink coffee to this day.

Just to get away from all the battery acid at home, I went to college in Hoboken and ended up just six blocks from a Maxwell House coffee plant. I love the smell but still can’t stand the taste.

Back to jail.

My first car was Triumph TR-3A which got me through senior year in high school and my freshman year in college. I might still have it if my roommates hadn’t decided to float test it in the Hudson.

Enter Thunder Bug.

My beautifully restored 1950 Volkswagen Beetle had 27 coats of hand rubbed ember firemist paint (a 1967 Cadillac lacquer), hand stitched leatherette seats, and a 140-horsepower Corvair engine under the sleek, vented hood that exceeded the original body lines by no more than six inches. It had the split rear window and “semaphore” turn signals that flopped out of the B-pillars. It was occasionally persnickety.

Thunder Bug.

A few Volkswagens were imported into the United States in 1949 by Ben Pon, but they didn’t gain much popularity. In 1950, Volkswagen Beetles started arriving into Dublin packed in crates in what was termed “completely knocked down” form, ready to be assembled.

First Beetle off the BoatDespite the 33 horsepower engine, the Beetle was designed for “sustained high speeds” on the Autobahn. Assuming 72.2 mph is considered fast.

I always wanted more. 140HP was about right. Thunder Bug could, um, break the speed limit anywhere. Even on the Autobahn.

The American deluxe Beetles got hydraulic brakes in 1952, and lost their semaphores in 1955. Mine had mechanical brakes and semaphores.

I’ve pretty much always been a gearhead which is a good thing since most of my cars have required a certain amount of wrenching. Even Thunder Bug. Maybe especially Thunder Bug.

One dark and stormy Sunday night (Really. It was November. Near freezing. Pouring rain. Bitter.) I was on my way back to school when Thunder Bug coughed twice and died on the four-lane 202 in Somerville, New Jersey. I coasted to the side of the road and popped the hood. Did I mention it was pouring? I had no flashlight so I was feeling around the engine compartment for something that felt familiar when my world lit up. It was so bright, I thought the stadium next door had blown up except there was no stadium next door.

It was a Somerville cop. Patrol car with high beams and twin million candlepower spots.

To set the scene, I was a college kid with a hot rod. I was probably unkempt. I was definitely unshaven. I was absolutely soaked. It was about 1969. College kids and authorities didn’t mix well.

He was smart enough to stay in his car where it was warm and dry. I wandered back and we spoke through his slightly lowered window. I ‘splained what had happened. He volunteered to stay and “light the scene” for me while I troubleshot the car.

I spent the next half hour alternating between his (warm, dry) passenger seat and tracing wires and fuel lines in the (cold, wet) work space under the hood. We determined it was a dead fuel pump.

“You can’t leave it here on the road overnight,” he said.

“Nope.”

“There’s a car parts store right over there. If you think we can push it into the lot, you can leave it there.”

Did you notice the “we”? He helped get the car down into the parking lot.

“I can’t let you stay here,” he said. “Do you have any place to go?” Only later did I realize he was afraid for my health if I had slept in the car, not worried about my transiency. I told him I was on my way to school and had neither family nor friends in Somerville.

“I guess I’ll have to put you up then. Get in.”

So we rode back to the police station. He got me a couple of blankets and showed me the closet where they keep the cots. The closet had, um, bars. And a door that locked from the outside.

Fortunately, I got a single.

They didn’t lock the door.

And they gave me an extra pillow to go with the extra blanket.

Still, I didn’t sleep well. I had to keep kicking the door to make sure it was unlatched.

Reveille came early Monday morning. As my night watch rescuer was going off duty, he brought me in a take-out cup of black coffee. I hate good coffee and this was cop coffee. Best drink I’ve ever had. I drank it all down. And then he took me back to Thunder Bug. The rain had stopped.

Good cops they grow in Somerville, NJ. Good cops, indeed.


Next up, my ride in a New York City paddy wagon…

 

Dreamscapes

“I still have a dream, a dream deeply rooted in the American dream – one day this nation will rise up and live up to its creed, ‘We hold these truths to be self evident: that all men are created equal.’ I have a dream . . .”

I had a dream that native-Americans would just be … Americans.
I had a dream that Irish-Americans would just be … Americans.
I had a dream that Italian-Americans would just be … Americans.
I had a dream that Chinese-Americans would just be … Americans.
I had a dream that Bolivian-Americans would just be … Americans.
I had a dream that African-Americans would just be … Americans.

It was a wonderful dream but it never quite worked for the politically correct so the politically correct used our common language (empujar nueve para Español) to segregate us into into little (and not so little) warring factions and cliques and ethnic groups.

I do have a dream . . .