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Maggie's FarmWe are a commune of inquiring, skeptical, politically centrist, capitalist, anglophile, traditionalist New England Yankee humans, humanoids, and animals with many interests beyond and above politics. Each of us has had a high-school education (or GED), but all had ADD so didn't pay attention very well, especially the dogs. Each one of us does "try my best to be just like I am," and none of us enjoys working for others, including for Maggie, from whom we receive neither a nickel nor a dime. Freedom from nags, cranks, government, do-gooders, control-freaks and idiots is all that we ask for. |
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Saturday, February 18. 2012GuttedWhere's this? (answer below the fold)
Continue reading "Gutted"
Posted by Bird Dog
in History, Our Essays, The Culture, "Culture," Pop Culture and Recreation
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17:11
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Try turning off the radio: Obsessions, Distractions and Diversions
The difference is in the purpose, not so much in the thing itself. The most common ones we all see in daily life are: - TV, radio, and listening to music That covers most of life, doesn't it? Trust me - I am all in favor of fun and productivity. Not one of these things is necessarily unwholesome - except when they are used as avoidance of something or things. That usually - but not always - means when they are not done in moderation and in proportion. Why do so many of us have our best thoughts and insights in the shower? Because we aren't doing any of those things in the shower...generally speaking. Only the mentally strongest people - and I do not include myself in that category - routinely face their anxieties, worries and fears; routinely deal with every responsibility or burden immediately, or routinely face their relationships or the realities of themselves: their weaknesses, their guilts, their unsettling thoughts and feelings, their disappointments and sadnesses, regrets and remorse, boredom, loneliness, or empty feelings - or just "being with oneself." There is an expression in AA: "Move a muscle, change a thought." It's good advice if one is avoiding a dangerous thought but it's bad life advice if one is avoiding thoughts that need to be considered and faced and maybe even acted upon. If I decide on a Saturday nap after two hours of tennis in 90 degrees, fine. But if I decide on a nap (maybe without realizing it) because I am worried about paying the bills, not so fine. Having kids is a great diversion and distraction. For years, it will fill your life with preoccupations and duties which have the advantage of being truly responsible and loving. But when they get older, you face yourself again. Therefore, whenever I find myself immersing myself in something, I try to remember to ask myself why. That's not obsessive navel-gazing, it's just common sensical self-monitoring. "Metacognitive," as they say. And when I drive, I try to leave the radio off - so I can listen to the real news about what is going on with me, my soul, and my life. Otherwise, I'd be out of touch. Photo is a 1923 Silvertone radio
Posted by Dr. Joy Bliss
in Our Essays, Psychology, and Dr. Bliss
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14:58
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The new grandparents: just like the traditional grandparents
The modern invention of the nuclear family never really worked out that well, did it? Too isolated, too little support and help, etc. Farm families consisted of extended families.
Posted by The Barrister
in Our Essays, The Culture, "Culture," Pop Culture and Recreation
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14:29
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Friday, February 17. 2012How We Vastly Overrate Formal EducationSolyndras In the Classroom: How We Vastly Overrate Education:
I do not overrate learning. I think we overrate spending on the education industry which protects a monopoly on credentialing. Learning and education are not the same thing. Learning is for adults (over 16); education is for children. Thursday, February 16. 2012Fallacies and Denial in politics and in lifePeople of all stripes will go to lengths to hold onto their preferred views of things. Re-thinking is difficult and often upsetting to one's equilibrium. But facing reality generally is more effective in life - however painful at times. Upsetting a comfortable equilibrium can also sometimes lead to better things, open up new vistas. Dr. Sanity has a detailed essay on the topic: DOES THE LEFT UNDERSTAND PSYCHOLOGICAL DENIAL? Even if you overlook the political aspects of her essay, it's a good overview of the points at which psychological defenses and logical error frequently intersect. High School education: Another Maggie's Scientific Poll (well, not a poll, but a question)
(At Insty today: For $35 an hour you can get a cum laude graduate of Harvard with a degree in Folklore & Mythology to do your calendar management and travel planning.) So here's my question for my readers: Let's hear about people you have known who have led interesting and challenging lives without a college degree, including yourselves if applicable. I'll start with a few: - The omniscient, cynical, whiskey-breathed City Editor of an urban newspaper where I worked summers during college
Wednesday, February 15. 2012Remembering the great Jacques BarzunJacques Barzun, Wisdom and Grace. A quote:
Posted by Bird Dog
in History, Our Essays, The Culture, "Culture," Pop Culture and Recreation
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14:16
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College for all?Kevin Carey in The Wilson Quarterly makes the case for college - or at least some college - for all. Naturally, I think that is insane, and for more reasons than I have time to list. A rigorous high school degree can still provide all that is needed to continue one's education on one's own, if wanted; all that is needed to be a good citizen, and all that is needed to perform 90% of the work out there. We all know that a college degree can mean a great deal, or next to nothing - same as a high school degree. A couple more education links: Are Colleges Ripping Us Off? Half of all college students make no learning gains in their first two years, and 36 percent show no significant intellectual growth even after four years. McArdle: Envisioning a Post-Campus America
Posted by The Barrister
in Education, Hot News & Misc. Short Subjects, Our Essays
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13:14
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Tuesday, February 14. 2012My reply to Dr. X's queries about church, and individual, autonomy, and state powerOur internet friend Dr. X seems to raise two questions about religious charitable organizations to which I will try to respond as an "amateur bloviator." His first is to ask, what about, say, Muslim patients who refuse to see other-sex doctors (and but hey - what about the nurses and the gay docs?) Second, he considers whether it is up to the government, via the Big Government payors Medicaid and Medicare or (slightly indirectly) Obamacare, to decide what they want to pay for. As for the first question, no problem. They should get their care from whomever they choose in whatever form they choose (unless trying to die in the ER). It's called freedom. (Last I read, however, Muslims may be waivered from ObamaCare anyway because it's not Sharia or whatever reason.) As for the second question, of course government payors can decide what to be willing pay for, given whatever Congress, the bureaucracy, and etc decides. However, that does not, or should not, require that it be provided. The requirement is the rub, and it constitutes a federal takeover, an overreach, an intrusion into choice. Of course, the larger issue is the politicization and governmentalization of medical care, which promises to create endless explosions if ObamaCare proceeds. Dr. X is quite right that we are headed towards turning the corner where medical coverage is no longer insurance, but plain payment with the feds as the Grand Medical Commission in DC. Rather than ObamaCare, I would have liked to have seen a wide-open, nation-wide market for private (including charitable) medical coverage of every size, shape, and sort with no federal involvement, and subsidies for the poor of any age - old or young. (Medicare was a giant error, since the elderly, statistically, are wealthier than the young who pay those bills with their taxes.) Muslim policies for Muslims if they want them, Muslim clinics and hospitals if they want them, Catholic policies if Catholics want to buy them, etc. etc. If unrestrained by government, the market would be providing for every individual or family want. Unfortunately, we never had a wide-open market for medical insurance due to the state insurance commissions' protectionism, or whatever it has been.
Posted by Dr. Joy Bliss
in Hot News & Misc. Short Subjects, Our Essays
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14:17
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Showing the love on St. Valentine's DayShe wants one of these (the convertible, please) to show the love:
I want this pair:
However, back in reality, what I am going to do is to make dinner for She Who Must Be Obeyed: Cherrystone clams on the half-shell with lemon slices, then a steamed 3 lb. lobster with home-made horseradish mayo, cucumber slaw and potato salad, with champagne or maybe a nice Meursault. Valentine cupcakes for dessert. For St. Valentine's Day, the new simpler way to save a heart and a life
Posted by Bird Dog
in Medical, Our Essays, The Culture, "Culture," Pop Culture and Recreation
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12:03
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Central Park PicsI've lived in the New York City metropolitan area for 26 years. I take many things about New York for granted. I still haven't been up to the top of the Empire State Building, and I haven't been to the Statue of Liberty. I did (back in 1982, when I was in college) get to the World Trade Center, and I've been to Windows on World for dinner. I've also been to the Top of the Rock and the Rainbow Room (which I preferred to Windows on the World). None of these really compare to Central Park, though. It's just a great place to hang out, and thankfully is very close to my office.
(more pics below the fold) Continue reading "Central Park Pics"
Posted by Bulldog
in Our Essays, Travelogues and Travel Ideas
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05:01
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Monday, February 13. 2012Compassion without discernmentWe mentioned that theme here yesterday. Compassion without discernment is generally moral vanity or spiritual-ish pride; often foolish, often counterproductive or destructive, and often humiliating to the recipient. It reminded me of this well-known speech by Ivan Illich (not Ivan Ilyich, who died) on the topic of paternalistic "help." The intro:
It's a classic, here. He concludes:
What Does it Take to Heal an Economy?The Fed has kept interest rates at an historic low in an attempt to help 'heal' the economy. Fed Governors have no fear of dead weight in assets, in the form of declining values and poor potential returns. The assumption is that with economic expectations so low, inflation is not a risk, and that rates can be used to 'fix' things by keeping rates low indefinitely. This artificial approach to soothing our economic woes is a dangerous game. The economy has, in many respects, become unlinked from the stock market. In pursuing the current path, the Fed has gambled on some concepts which have been tried before, though in different conditions and with varying results.
Does this sound familiar? Because if it doesn't, remember that the current situation was caused, in part, by the creation of bundled mortgages, an existing tool which was utilized to try something new, with the assumption of safety baked in. In theory, the level of risk was limited. The problem with them was related to the nature of the individual loans themselves. Each bundled group offered had varying degrees of risk involved. Despite the levels of risk, many high risk assets were given very good ratings. In the end some failed, which put all at risk. Continue reading "What Does it Take to Heal an Economy?"
Posted by Bulldog
in Hot News & Misc. Short Subjects, Our Essays
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13:16
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Sunday, February 12. 2012Penicillin kills millions of animal species: Greenies do not complain
These little bugs are just as much a part of the ecosystem as any other living thing. Photo is of the Pneumococcus, a species which humans attack and kill by the billions every year. Even good old treponema pallidum and yersinia pestis are near extinction. Where is PETA? This is a serious biodiversity issue. The vast majority of earthly life forms require microscopes to see, but is that any reason to excuse man-made extinction of these critters? Is it just because they don't look cuddly? Dr. William Osler famously termed pneumoccal pneumonia "the old man's friend" because it provided a peaceful ending. Like we have been saying for years, compassion without discernment is vanityWhy are we even calling it “Health Insurance”? ObamaCare is designed to become a government-controlled Welfare program for all, with insurance companies as back offices, check-paying services for a one-size-fits-all government program. Leviathan is always hungry. Freedom and free choice is the cost. Are there really tons of folks out there who want the federal government in charge of their own medical care? Who really wanted this, except for government? And government employees are exempt from it, which just goes to show... The politicization of medical help has only just begun. It's a feature, not a bug. As an aside, recall that the Church supported Obamacare. Compassion, of course. Compassion without discernment is just vanity and foolishness. Saturday, February 11. 2012Groupon released their first earnings report, and to say the least, they underwhelmed. I had shared some of my thoughts about Groupon several months ago. But something new is afoot. In the last week, we've seen Facebook file for an IPO. It's been talked about incessantly, and there are many interesting things within the filing which have caused people to begin sharing opinions about it. Since Facebook is in my industry, I find this discussion intriguing and certainly have my own point of view, particularly since I use Facebook. Originally, I didn't want to join Facebook. Several friends emailed me invitations to join in 2007. I wouldn't accept. Finally, I joined just to stop the invitations. At first, what I found fascinated me. It's actually a terrific picture sharing facility. On the other hand, as Betty White famously said on Saturday Night Live about when she was younger, "We had PHONEBOOK...seeing pictures of people's vacations was a punishment."
Continue reading "Facebook" It's not medical insuranceClearest explanation I've seen about Obamacare: The Real Trouble With the Birth-Control Mandate -Critics are missing the main point. There are good reasons that your car-insurance company doesn't add $100 to your premium and then cover oil changes. One quote:
That doublespeak about access and cost is what I have been writing about. If it's a plan to pay for every medical cost, it isn't insurance in any ordinary sense.
Posted by The News Junkie
in Hot News & Misc. Short Subjects, Our Essays
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11:18
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Friday, February 10. 2012Republicans Falling Into Obama’s False Dichotomy
Astute commentators are pointing out that President Obama is strategically steering the national conversation toward social issues – inequality or contraception, as examples -- in order to neutralize his weaknesses in other areas. Republicans, it is said, are either playing into Obama’s re-election playbook or allowing themselves to be neutralized in stressing Obama’s failed economic and foreign policies, which are part and parcel with his social policies in undermining American and global freedoms. The serial rallying of many conservatives to the non-Romney contender of the month is central to proving this point. Deep anger at the Obama administration fuels the desire for a more “red meat” candidate. This is largely unfair to Romney and fails to stress the commonality among Republicans on the core issues. Instead, it falls into the Obama trap of a false dichotomy between social and other issues. Romney's campaign had tried to calmly sound the theme of competence in facing the common thread of the Obama administration’s failures: incompetence and ideology. Romney tried to remain the gentleman he is but, defensively, instead has had to fiercely attack his opponents who fiercely attack him. This has consumed resources and credibility, and detracted from the attractiveness of the core Republican issues: the gross overstepping of the Obama administration into personal lives, crony mismanagement of the economy, and alienation of allies left adrift by Obama fecklessness in facing anti-Western foes. The social policies of the Obama administration should not be faced in isolation, allowing Democrats to draw in social liberals, but be placed in their proper context of more indicators of class warfare that undermines the freedoms of all to succeed or to have private moralities untrammeled by Washington. Democrats are smiling, as well they should. The Republican primaries are shielding them from the main thrust of the Republican message while Republican contenders for the nomination savage each other, weakening unity, and fall into the Obama traps on stressing social issues. Newt Gingritch was a false vessel for conservative hopes. Rick Santorum, a more consistent and saner conservative, lacks the attractiveness to a wider audience of those on the cusp. Mitt Romney, however, while not a red-meat orator has the unique ability to present the Republican theme in a manner, with conviction and deep understanding of the intricacies, that doesn’t antagonize moderates. Romney is not charismatic but he is competent, and has the abilities to deracinate Obama’s pretensions and unify a majority around stopping the Obama administrations’ transgressions that weaken us in all ways. Romney may not be red-meat but he is meaty. It’s about electability, and that with adequate confidence that together with a Republican Congress a new administration in Washington will accomplish more Republican and American priorities. Moreso than his opponents, Romney is what Republicans need to win, and what America needs to unseat Obama. I’ll vote for whoever gets the Republican nomination. But, I’m not happy at being part of many of my compatriots playing out a self-destructive temper tantrum that could lose the election. Get over it: there is no Reagan available, nor was Reagan all that fond memories say he was.
Posted by Bruce Kesler
in Hot News & Misc. Short Subjects, Our Essays
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12:19
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The abortion and contraception issue: "If an unexpected pregnancy is a disease, then I am a disease."I think the entire discussion misses the point. The issue is not whether birth control and abortion are available. They are. The issue is whether the government should have the power to force your neighbor to pay for these things, and/or to require all insurance policies to cover them. Also, neither of these things are particularly expensive. The insidious premise of the discussion is this: If it isn't covered, it's not available. But don't people buy their own Nyquil, Tylenol, heat pads, Viagra, divorce counseling, cosmetic surgery, toe fungus medicine, toothpaste, Botox, morning-after pills and Dr. Scholl's foot products? Have people become so trained to expect somebody else to buy what they want that the premise has become distorted? I am a happy product of an unexpected pregnancy, and refuse to regard pregnancy as a disease. Pregnancy is health. If an unexpected pregnancy is a disease, then I am a disease. A tumor, or something. In fact, I cannot understand why some medical insurances cover pregnancy at all, much less abortions. In my view, we all ought to be free to buy, or not buy, medical insurance of any sort with any sorts of coverage, depending on what makes sense for us. We ought to be able to bring a check list of what we want to the table, and see some nation-wide competition for our business. Get bids, like anything else. Here at Maggie's, we tend to prefer high-deductible Major Medical coverages with our own choices of docs. Cheap protection from financial catastrophe. Here's a link: Policy and Politics of Contraception Rule Fiercely Debated Within White House
Posted by The News Junkie
in Hot News & Misc. Short Subjects, Our Essays
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11:10
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Thursday, February 9. 2012It's about control, not science: if Americans took the government public health experts' dietary advice, we'd all be morbidly obese.In the past week, we have had links about government (and doctors) advocating against salt and sugar. I don't mind my doctor giving me advice (I pay him for it), but when docs try to get governments to control what to do, I get annoyed. As I understand it, it is the job of doctors to offer advice, not to provide control. Adults get to decide what they want to do. As we pointed out earlier today,Most recent: First Global Warming - Now Global Sweetening!:
Mayor Bloomberg, of course, is the poster child for obnoxious Nannyism. Here's the ultimate governmental rationale for these sorts of controls: Ideology, not science. A quote from Dr. Keane's piece (from Australia):
Indeed. Experts tend towards arrogance, not towards autonomy (freedom). And, in the long run, academic experts usually turn out to have been wrong anyway.
Posted by Dr. Joy Bliss
in Hot News & Misc. Short Subjects, Our Essays
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16:55
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Duncan PhyfeA few items from the Duncan Phyfe show at the Met. His workshop/factory in Manhattan copied, but simplified, the popular styles of the time. Not exactly my taste, but much in demand at the time:
Posted by Bird Dog
in Our Essays, The Culture, "Culture," Pop Culture and Recreation
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12:54
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Wednesday, February 8. 2012How governmental economic policies make everything worseA clear, brilliant synopsis from Gelinas: Farewell to the Free Market? Western governments have compounded the economic crisis by rejecting the one force that can end it. One quote:
Read it. Can anybody understand their taxes?
All that the regular person can do is to declare all of their income (unless you are somebody like Tim Geithner or Charlie Rangel - hey, nobody is perfect). After that, it's a crap shoot.
Posted by The Barrister
in Hot News & Misc. Short Subjects, Our Essays
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12:12
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Traveling Downhill With ObamacareSome have compared the impact on agents of ObamaCare’s medical loss ratio (MLR) to the impact of online technology on travel agents. Yesterday, I spent hours studying many web sites to decide on a hotel to take my family during spring break. Although the web sites were very informative, most offering standard categories as to number and type of beds, whether there is a pool, etc., the information was not complete or didn’t cover all my requirements. I still had important questions to meet my family’s particular needs. I, also, noted many Commenters at these sites who’d had bad experiences due to lack of adequate information. I phoned several sites and directly to several hotels’ reservation lines, but those who answered had no more information than at their sites. Finally, I reached an agent who spent a half-hour giving me complete answers to my questions, and I made the reservation.
MLR requires medical plans to commit 80% of premiums of small group and individual plans to claims, and 85% for large plans. Agent commissions, though a pass-through charge from buyers, are treated in ObamaCare as administrative costs, thus making it harder for insurers to meet the 15% or 20% allowance for non-claim costs. The argument goes that as the Internet makes it easier to make reservations directly, the need for travel agents has declined. So, too, will the need for insurance agents decline as medical plan purchasers can buy directly from insurers or government-directed exchanges. Lastly, standardized medical plans dictated by ObamaCare are supposed to make choices easier. Therefore, we needn’t be concerned that to meet MLR restrictions that agents’ commissions have been as much as halved, leading many to reduce services to buyers or to leave the field.
This leaves medical plan buyers – as it does travel buyers -- largely at the mercy of 1-800 ignorance or inadequacy, as well as self-interest or lack of independence in not providing useful comparative information. Further, a buyer is not given additional information important to the decision, say about nearby facilities or services involved in the trip, or the efficiency of claims-processing or how certain treatments might be actually covered by the medical plan. Then, unlike the range of accommodations available at hotels at varying prices, standardized medical plan buyers will be forced under ObamaCare to buy services they either don’t need or, even, religiously or ethically object to, and pay the cost of these services, in effect, for those who want them. Premiums have already increased to cover provisions mandated by ObamaCare, and will increase further.
There’s another aspect to the MLR regulations that will further reduce the choices available and increase the costs to many medical plan buyers. If an insurer does not meet the MLR percentage limitations, beginning by August 1, 2012 the insurer will have to pay rebates to buyers. Insurers are each setting aside tens of millions of dollars for these rebates, costs that will be recovered through higher premiums. According to healthcare consultancy The Segal Co., “Until now, insurers have been able to subsidize less-profitable product lines and types of groups (usually small ones), and do it across state lines, with the profits of the more-lucrative ones. Now, with insurers under the threat of paying out rebates on the latter, they may give small-group policyholders fewer subsidies and charge higher premiums.”
There’s bipartisan legislation pending in the House and Senate to relieve this impact on agents but, even if it might pass, it is unlikely to be signed by President Obama, or regardless of the President may not muster 60-votes in a future Senate if blocked by ObamaCare supporters there. For disclosure, I’ve been a health plan consultant and broker for 25-years. I’m at the age and resources where I’m nearing retirement. That decision is speeded by Obamacare. It’s not worth it to provide the services I did, so I reject most of those who now approach me for help. Tens of thousands of other agents are making the same choice, even if not able to retire. Tens of millions of medical plan buyers are being left adrift, at higher costs and less needed information, not able or allowed to buy a medical plan that best and most affordably fits their individual needs.
Posted by Bruce Kesler
in Hot News & Misc. Short Subjects, Our Essays
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11:56
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