Well, since the passage of the Affordable Care Act, also known as the Obamacare tax, we have watched in horror as shocker after shocker are revealed.
- In Latest Obamacare Fiasco, Most Low-Income Workers Can’t Afford “Affordable Care Act”
- The Stunning “Explanation” An Insurance Company Just Used To Boost Health Premiums By 60%
- Your Health Insurance Premiums Are About To Go Through The Roof -The Stunning Reason Why
- Obama Promised Healthcare Premiums Would Fall $2,500 Per Family; They Have Climbed $4,865
- Largest Health Insurer On Colorado Exchange Abruptly Collapses
- Co-Op Insurers Across America Are Collapsing, And Now There Is Fraud
- “$19,000 Premiums, Up 4x Since Passage”: The ‘Crippling Effect’ Of Obamacare On The Middle Class
Now we can add one more thing that “was in it”: soaring deductibles, which give the fake impression of contained, low all-in costs… until one actually needs expensive medial help (and these days there is no other kind).
The latest expose against Obamacare comes not from its usual nemesis, but the hard-left NYT, suggesting that even the ideological supporters of Obama’s “crowning achievement” are losing faith. To wit:
Obama administration officials, urging people to sign up for health insurance under the Affordable Care Act, have trumpeted the low premiums available on the law’s new marketplaces.
But for many consumers, the sticker shock is coming not on the front end, when they purchase the plans, but on the back end when they get sick: sky-high deductibles that are leaving some newly insured feeling nearly as vulnerable as they were before they had coverage.
“The deductible, $3,000 a year, makes it impossible to actually go to the doctor,” said David R. Reines, 60, of Jefferson Township, N.J., a former hardware salesman with chronic knee pain. “We have insurance, but can’t afford to use it.”
In many states, more than half the plans offered for sale through HealthCare.gov, the federal online marketplace, have a deductible of $3,000 or more, a New York Times review has found. Those deductibles are causing concern among Democrats — and some Republican detractors of the health law, who once pushed high-deductible health plans in the belief that consumers would be more cost-conscious if they had more of a financial stake or skin in the game.
“We could not afford the deductible,” said Kevin Fanning, 59, who lives in North Texas, near Wichita Falls. “Basically I was paying for insurance I could not afford to use.” He dropped his policy.
In other words, Obamacare’s “affordable care” is affordable, as long as one doesn’t actually have to use it!
Here is the damage when one does:
- In Miami, the median deductible, according to HealthCare.gov, is $5,000.
- In Jackson, Miss., the comparable figure is $5,500.
- In Chicago, the median deductible is $3,400.
- In Phoenix, it is $4,000;
- In Houston and Des Moines, $3,000.
Considering far more than half the US population has less than $1,000 in savings, there are quite literally tens of millions of people who are one ER visit away from the poor house. And they are unhappy. But at least the liberal think tanks have words of advice:
To those worried about high out-of-pocket costs, Dave Chandra, a policy analyst at the liberal-leaning Center on Budget and Policy Priorities, has some advice: “Everyone should come back to the marketplace and shop. You may get a better deal.”
Most people go though life not really getting any smarter. Why? They simply won’t do the work required. The Buffett Formula is the path to growing wisdom.
Source: The Buffett Formula
“Let’s be frank, this car is $130,000,” he said, meaning that a lot of people won’t be able to afford it. “But this is a glimpse into the future of the automotive industry. A glimpse where cars can be extremely efficient, and extremely fast, and extremely comfortable.”
…But the Tesla Model S is not ‘extremely affordable!’ Before you buy the $130,000 Tesla, compare the long-term cost of car ownership with the:
Compare different cars side by side, New and Used vehicles. Input your own driver, vehicle, financing and fuel costs to personalize your estimates and find the least expensive long-term vehicle option. Choosing the right vehicle will save you thousands of dollars over the next few years.
How you spend your first hour at work is the most important decision you’ll make all day. That’s because that first hour can either boost your confidence and enthusiasm to carry you through the rest of the day, or it can leave you feeling like you’re dragging a huge rock behind you. Indeed, a recent article outlined how Merrill Lynch trains new advisors to employ the 15-85 principle, where 85% of daily results are determined by what happens in the first 15% (or hour) in the office. Here are other examples from my conversations with advisors:
* One advisor starts his day with a stand-up huddle with his three-person team. He does it standing to convey a sense of urgency and to ensure it’s short. Every team member answers three questions: Is there something important that the other team members need to know? What’s the most positive thing that happened yesterday? What’s the most important thing you’re going to get done today?
* A second advisor found that he’s become much more productive since beginning to spend his first two hours from home, responding to client emails and initiating calls. Not only does he avoid the distractions that he would have in the office, but he has to deal with less traffic. I’ve written in the past about the power of short proactive calls to key clients.
* A third advisor takes half an hour first thing to check in with key clients that she hasn’t talked to in the last 60 days. She also has incorporated the idea of “happy birthday calls” – calling clients first thing on their birthday and saying, “I just wanted to be among the first to wish you a happy birthday.” Even if she leaves a client a voicemail, she still receives a terrific response to these calls.
* Another advisor has boosted his enthusiasm and motivation since he began listening to interviews with Olympic medalists on his morning drive to the office.
* Another advisor spends her first five minutes reviewing her five key goals for the current quarter and asks herself what she can do that day to move forward on each of those goals.
There is no right way to start your day. What is important is to develop the habit of starting your day the same way each morning to build momentum in the first hour.
In 1960 two American artists met for the first time: Sol LeWitt and Eva Hesse. The meeting sparked a bond that resulted in “countless inspirational discussions and rich exchanged of ideas” until Hesse passed away in 1970. In 1965 Hesse was facing a creative block, plagued with self-doubt. She told LeWitt who replied with this work of art found in Letters of Note. “An invaluable letter of advice, it has since inspired many other artists, and copies now grace the walls of art studios the world over.”
It will be almost a month since you wrote to me and you have possibly forgotten your state of mind (I doubt it though). You seem the same as always, and being you, hate every minute of it. Don’t! Learn to say “Fuck You” to the world once in a while. You have every right to. Just stop thinking, worrying, looking over your shoulder, wondering, doubting, fearing, hurting, hoping for some easy way out, struggling, grasping, confusing, itching, scratching, mumbling, bumbling, grumbling, humbling, stumbling, numbling, rambling, gambling, tumbling, scumbling, scrambling, hitching, hatching, bitching, moaning, groaning, honing, boning, horse-shitting, hair-splitting, nit-picking, piss-trickling, nose sticking, ass-gouging, eyeball-poking, finger-pointing, alleyway-sneaking, long waiting, small stepping, evil-eyeing, back-scratching, searching, perching, besmirching, grinding, grinding, grinding away at yourself. Stop it and just
Source: Sol LeWitt on the Power of Doing
Rachel Sussman shows photographs of the world’s oldest continuously living organisms — from 2,000-year-old brain coral off Tobago’s coast to an “underground forest” in South Africa that has lived since before the dawn of agriculture.
The Lexus hoverboard is real, folks. It’s not computer-generated imagery you’re looking at, and it’s not smoke and mirrors. In fact, what looks a lot like smoke emanating from below the Japanese luxury brand’s hoverboard is actually caused by the liquid nitrogen required to keep the ‘board’s insides cool. How cool, you ask? Put it this way: liquid nitrogen freezes at -346 degrees Fahrenheit. Ice cold, baby.