Politifact – How the Liberal Media Carried Obama’s Water to 2 Elections

The Tampa Bay Times liberal media bias shows itself time and again while claiming to be a reliable source on the truth or lies politicians make.  Cancel my subscription.

In October 2008, when Obama still had two Presidential elections coming up, PolitiFact rated his statement as “true.”

In June 2012, when Obama only had one more Presidential election coming up, PolitiFact rated his statement as  “half true.”

In December 2013, when Obama could no longer run for President ever again, PolitiFact rated his statement as “lie of the year.”

Jesus Is the reason for the Season!

jesus is the reason for the season

May Your New Year Be Filled with Joy, Health and Success!

Obama Should Consider A Permanent Staycation.

civics quizObama should consider a permanent Staycation. Why?  Because it may deter him from breaking his own ill-conceived law a.k.a. Obamacare again and again.

What kind of man would blithely disrupt the medical care of millions of Americans, and then repeatedly lie to them with glib assurances that they could keep their doctors or health insurance if they wanted to?”  Thomas Sowell

1) Within months after Obamacare was passed, Obama, without approval from Congress, illegally gave some organizations, including numerous corporations and unions, an exemption from some of the requirements of Obamacare.  As time went on, more than 1,300 organizations received these exemptions.

2) In 2013, members of Congress and their staff complained that Obamacare was going to cost them a lot of money, and said that this would likely cause a brain drain among their staff. In response to this, Obama made changes to Obamacare so that these things would not happen. However, Obama’s actions were illegal, because he made these changes without Congress voting on them first.  The New York Times wrote of this:

… the language of the health care law requires Congressional employees to obtain health insurance through an exchange created by the law, but other parts of the federal legal code restrict the ability of the federal government to pay the usual employer share for group insurance programs approved by the Office of Personnel Management.

A straightforward reading of the law thus means that Congressional staff members, starting in January 2014, will have to obtain insurance through the Affordable Care Act but pay for it on their own without the normal contribution from their employer — Congress. This would be a multi-thousand-dollar income hit for those affected… many… would potentially feel the pain, giving rise to concerns over a potential brain drain of Congressional staff members finding other employment.

… the federal personnel office initially ruled that Congressional staff members would not be eligible for the subsidies, and then changed this decision under pressure from the White House…

3) In July 2013, Obama illegally delayed the employer mandate part of Obamacare from January 2014 until January 2015 without Congressional approval.

4) Even though Obamacare requires the government to verify the income of people who receive subsidies for Obamacare exchanges, in August 2013 it was reported that Obama would not be verifying their incomes.

5) As it was passed by the House and Senate and signed by Obama in 2010, Obamacare sets caps on the out of pocket payments that people pay for health care, and these caps were legally required to take effect in January 2014. However, in August 2013, Obama, without approval from Congress, illegally delayed these caps until January 2015.

6) Obamacare requires that individual employees of small businesses be allowed to choose their own insurance plan during the first year of Obamacare. However, in March 2013, the Obama administration announced that it would not be allowing them to make this choice during the first year. Because Obama did this without approval from Congress, his action was illegal.

7) After Obamacare was passed, Obama illegally added 20,000 extra pages to it, without approval from Congress.

8) In May 2013, the Washington Post reported that Obama had illegally used Obamacare to give additional powers to the IRS, without approval from Congress.

9) In May 2013, Health and Human Services Secretary Kathleen Sebelius solicited donations from health insurers to help pay for Obamacare. Such soliciting is illegal. Obama refused to fire or prosecute Sebelius for her criminal behavior.

10) Obamacare calls for the creation of 16,500 new IRS agents. In March 2011, 15 IRS agents illegally seized the medical records of 10 million people without a warrant. Obama refused to fire or prosecute them for their criminal behavior.

11) In August 2013, it was reported that Obama had illegally used Obamacare to fund pre-K education without approval from Congress.

12) In August 2013, it was reported that Obama had illegally missed 41 of Obamacare’s 82 deadlines.

13) In August 2013, it was reported that Obama was trying to give illegal Obamacare subsidies to unions, without approval from Congress.

14) Obamacare requires that the online registration for small businesses be ready by October 1, 2013. However, five days before that date, Associated Press reported that this deadline would not be met.

15) In November 2013, it was reported that Obama was trying to illegally exempt some unions from some of the Obamacare fees, without approval from Congress.

16) In August 2013, without approval from Congress, Obama illegally gave an Obamacare waiver to Massachusetts.

17) On November 14, 2013, after insurance companies had canceled policies that did not meet the minimum requirements of Obamacare, Obama told them to restore these policies. However, he did this without Congress voting to approve these changes to Obamacare. The President does not have the legal authority to change a law that was passed by Congress, without those changes first being approved by Congress.

18) In December 2013, Obama ordered insurance companies to cover “customers” who had never paid any premiums. Obama’s action was illegal because it violated the takings clause of the Fifth Amendment. It was also illegal because he did not have approval from Congress.

19) On December 19, 2013, Obama gave exemptions from the Obamacare mandate to people whose insurance had been canceled due to Obamacare. Because Obama gave out these exemptions without approval from Congress, his action was illegal.

Source: Dan From Squirrel Hill’s Blog

Aggregated Anxieties: More Vexing Problems for Small Business in the “Affordable Care Act”

One of the more vexing concerns for small business is the Obamacare employer mandate. We pay 100% of our employee’s healthcare. Still just the invasiveness of the law and the dread of added paperwork is a drag on business. With 40 FTE it is always in the back of my mind. Next up, we face the challenge as to whether our healthcare plan stack up to Obamacare rules and regulations. The way the law has been manipulated and changed, it is of little comfort we believe we have a very comprehensive plan.

While President Obama assured us that the Affordable Care Act (ACA) would not affect small business, that’s simply not true. Yes, it is accurate to say that most businesses with under 50 employees will be free from the most burdensome regulatory imposition under the Act—i.e. the “Employer Mandate.” That’s the requirement that says that businesses with 50 or more full-time, or full-time equivalent, employees must offer qualifying affordable health insurance.  But it’s unfortunately quite complicated for businesses on the cusp to figure out whether in fact they are subject to the mandate. It really requires businesses to go back and look at their employee hours over the past several months to figure out how much time they have worked on average, and to do a series of calculations on each employee. That can be cumbersome, time-consuming and exhausting for a business owner, trying to juggle other things to keep his…

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$37.7 Billion in Foreign Aid in 2012

2012 Foreign Aid

2012 Foreign Aid

Tom Coburn’s $30B Wastebook was publicized recently.  What about foreign aid as a form of big government waste?  This infographic is a representation of where we are  “investing” $37.7B in foreign aid abroad in 2012.  It “appears” to make some sense, but foreign aid has always been a sore spot with many people.

Why not reinvest foreign aid money right here at home on our highways and bridges?  Why give aid to countries run by dictators, who pocket the millions and billions we give them?  What about giving piles of money to countries that hate us?  Will they use it against us?

Here are some of the more acute reader responses to the article from the Blaze

R1: First and foremost from an accounting standpoint this figure is woefully low as it does not break out the aid provided through the DOD and State Department. Second, there has never been good reason to provide charity/aid to countries like Israel and other developed countries. In fact we should be charging them for military assistance and military support in the region.  The US has to get dollars out into the rest of the world to maintain the global reserve status, if they don’t global economies get starved of liquidity and they will reject the US dollar as the global reserve…

R2: The US has to get dollars out into the rest of the world to maintain the global reserve status, if they don’t global economies get starved of liquidity and they will reject the US dollar as the global reserve..

It sounds crazy, but everything is not as you think… the US military, foreign policy, energy policy has one primary goal, “maintain the US dollar as the global reserve” if that is threatened, it is a threat to the US financial system and its stability. The “ponzi” needs to keep the money/debt liquidity game going.

Don’t worry the debt can’t and never will be paid…

R2: It sounds crazy, but everything is not as you think… the US military, foreign policy, energy policy has one primary goal, “maintain the US dollar as the global reserve” if that is threatened, it is a threat to the US financial system and its stability. The “ponzi” needs to keep the money/debt liquidity game going.  Don’t worry the debt can’t and never will be paid…

R3: The constitutional authority to remove, via tax, a citizens funds to be transferred to foreign citizens, organizations or governments? I can see “some” for domestic assistance for Americans, none for foreign.  I also see no prevention of any American privately providing assistance to foreign interests. How does funds removed under threat of jail, asset seizure, fine given to others display a generous populous ? “Only” 1%…yea well we have 20 or so “only” x%…those who can… ADD.  I assume the billions in indirect aid via the multiple standing armies we have worldwide are excluded…of course…that’s different. Meanwhile Vets at home have one horror story after another…less than 1% I guess. The world doesn’t hate us, but they are tired of hearing how much better we are than they are… wouldn’t you? You know that guy that makes the TD catch then stands there pounding his chest about how great he is? We have turned into that guy. If you feel a need to even mention you are “exceptional”…you most certainly are not.

R4: The world hates the U.S.A. because all of our “aid” goes to FATTEN-UP SLAVE-WORLD DICTATORS and guess-what…. what little aid actually gets to their “people” REPLACES all normal ACTUAL food production.”OH, NOW WE DO NOT HAVE TO GROW ANY FOOD. WE GET PAID U.S.A. TAX MONEY NOT TO !! Plus the DICTATORS tell their SLAVES/peons “Guess-what— all the food sent by the enemy is poison!!!” Then the DICTATORS eat the food and sell the rest on the BLACK MARKET!!

The Mergansers Are Back

 

Hooded Merganser

Hooded Merganser

It has been three years now since dad passed away and the mergansers are back each year. 

Dad was in a losing the battle with an unforgiving and relentless disease, Alzheimer’s.  Simply put, Alzheimer’s is an hour glass of life’s memories forever sifting and slipping away.

There was a small sign with my father’s name, outside his 10 x 12 room, but when reality sunk in, dad just wasn’t home.  There were many occasions thereafter, I realized just how much I missed him.

Dad was a conservationist.  He loved the outdoors and natural surroundings. He took great pride in building and placing wood duck and blue bird houses all along the river in Wisconsin, on which he and my mom lived.

For that reason, I was excited to see wood ducks on a pond behind my office.  Keep in mind I live in Florida, not Wisconsin.  I was so excited, I called mom and she sent me wood duck houses for the pond.  I mounted them on some beautiful cypress trees on the pond.  It turns out the “wood ducks” didn’t want anything to do with their new homes.  In fact, they weren’t wood ducks at all, they were Hooded Mergansers!

Of course dad would have known they were mergansers.  He would have laughed and told me mergansers are migratory. They were just passing through, just like dad.

My “Lousy” Health Insurance Plan

President Obama’s November 14, 2013, news conference on healthcare, was nothing more than him trying to save face by putting a presidential spin on something that has clearly spun out of control.  Mr. Obama’s spin could sound good for those unaware of how things really work with insurance and state insurance plan filings.

Mr. Obama’s come under fire for lying to the American people with his now infamous sound bite: “You can keep your doctor and your health plan.”  We’ve all heard it.  When that didn’t come to fruition on October 1, 2013 (the launching date for ObamadoesntCare), Obama and his spokespeople tried to spin the spin with another sound bite: “well if you had a lousy plan, your insurance company cancelled it” and boy did the people eat that up, giving consumers the impression they have Lousy insurance, which is contrary to:  “If you like your insurance plan you can keep it” promise.

Rosello Insurance Companies

But don’t fret, Mr. Obama has changed his position yet again and is now “allowing” us to keep our “lousy” insurance plan for at least another year. What’s the difference between the POTUS and an insurance salesman?  The POTUS knows he’s lying!

Well let me relate a personal horror story with the latest example of an Obama labeled “Lousy” insurance plan (which has become a reality for many Americans around the country).  We are now a statistic with the other 5,518,000 insured’s who’s insurance plans are being cancelled and losing our coverage.

As an Independent Agent, we represent a number of different insurance companies writing health insurance for small and medium businesses in Florida.  Our own agency group health insurance plan is presently written through United Healthcare.   Here is a brief description of what Obama defines as a “Lousy Insurance Plan” since United Healthcare is discontinuing/cancelling/terminating:

My Current Plan that was canceled due to ObamadoesntCare: ACA Approved Insurance Company Proposed Replacement Plan: Now when I attended school, we learned under old math:
$1,000  In-Network Deductible $1,700  In-Network Deductible $1,700 deductible is 70% higher than a $1,000 deductible
100% Co-insurance after the deductible 80% Coinsurance after the deductible
 $1,000 total out-of-pocket expense for the year $4,000 Out-of-Pocket expense $4,000 Out-of-Pocket Expense is 400% higher than a $1,000 Out-of-Pocket
$25 Primary Care doctor office co-pay & $30 Primary Care Doctor office co-pay $30 doctor copay is 20% higher than a $25 copay
$50 copay for a Specialist visit $70 copay for Specialists $70 Specialist copay is 40% higher than a $50 copay
Remember this is what Barack Hussein Obama refers to as a “Lousy Plan” in an attempt to cover his tracks from his “You can keep your health plan” sound bites. Group monthly savings for the “Replacement Plan” =  $158  per month Save $444 per year in premiums and pay more than $3,000 in out-of-pocket expenses per year

My out-of-pocket expense will sky rocket under the replacement plan, costing me thousands of dollars more per year.  Hey, but at least my individual monthly premium savings will be $60 per month or $720 for the year.  What an investment, save $720 per year in premiums and pay more than $3,000 in out-of-pocket expenses per year.

So much for the “Lousy Plan”.   Wonder if things could sound better if we can use the new politically correct Common Core mathematics equations, and see if we could arrive at percentages for the massive out-of-pocket increase, that would seem a bit more palatable, giving the appearance that $720 annual premium savings, is much better than having to pay more than $3,000 out-of-pocket expense?

My money is on Mr. Obama laying blame on insurance companies for cancelling health insurance plans (having to comply with ObamadoesntCare rules and regs) and Obama will double down on the “LOUSY” Plan narrative.  When Americans learn insurance companies cannot go back and reinstate those discontinued insurance policies because of state laws, it will be the evil insurance companies fault and not the genius in the White House (and I’m not talking about Valerie Jarrett or Jay Carney).

Sadly, the President’s Executive Order does absolutely nothing (but makes for a great sound bite – something Mr. Obama seems to be good at) for the 3 million people who have already lost their health plan, which is 2,924,000 more than enrolled in ObamadoesntCare for the same time period.  Insurance companies cannot do anything to remedy except re-file and unless the states are put on notice to streamline and approve the re-filings, it will take months upon months for the re-filings to get to the consumer.

Good news for Floridians, the state insurance commissioner will comply with the executive order and reinstate the cancelled policies.  However, I believe 9 states, including the State of California, have indicated stated they will not be reinstating cancelled health insurance plans. So much for being able to “keep your health plan”.  In the meantime, Obama will have the luxury of telling Americans he’s doing all he can (such as bypassing Congress and issuing Executive Orders) and insurance companies are just not responding fast enough and this has been the problem with insurance.

Obama and the Democratic Party have managed to dismantle and throw into chaos, a healthcare delivery system that successfully covered 85% of Americans, in order to cover 15% of the uninsured. 

Obamacare regulations 3-12-2013

Could health insurance companies have tweaked health insurance plans and made them better, absolutely.  They could have done it without the federal government issuing 3,000 new pages of laws and spending billions of taxpayer money by getting into the health insurance business!  Billions of dollars of taxpayer money the United States does not have!

Ideally, allowing business to purchase health insurance policies on an association basis and across state lines, would have helped increase the purchasing power for small business around the country.  But purchasing insurance through an Association and breaking down state barriers is a threat to the federal government’s quest to socializing America’s health insurance delivery system.

Being able to broaden the purchasing power of business, as labor unions are allowed, would have given business the opportunity to bring insurance rates down and to cover more of the 15% of the uninsured having a hard time qualifying for insurance.  Labor unions have the luxury and privilege to purchase their insurance across state lines, pooling union members.  Business is not allowed the same privilege.

It’s clear, Mr. Obama’s goal is to have the federal government takeover 1/6 of the U.S. economy.   There was no reason for the federal government to spend over $600 million of taxpayer money in reinventing the wheel, when insurance companies were already set up to underwrite and deliver insurance.  I cannot reiterate enough; the federal government disrupted and has ascended the U.S. Healthcare system into chaos to cover 15% of the uninsured, while inconveniencing 85% of covered Americans! Why?  It makes absolutely no sense!

Tom Rossello
tom@fmi-ins.com
 Florida Independent Insurance Agent
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