Archive for June, 2018

Refugee Children

June 22, 2018

I am generally uncomfortable around a gang of children.  I can manage  one to one conversations, but  a bunch of  kids under age 5 leaved me flummoxed.   There are a number of reasons I never had children of my own.  My parents  didn’t seem to be overly thrilled with the four of us.  I could see how much work a child would be, and what if I bore a handicapped child?  It was all I could do to keep myself afloat.  I had thought at some point I might foster, but when I looked at the economics of it, and the time constraints on all other activities, I knew I couldn’t manage this.

I was able to become a Peace Corps Volunteer because I didn’t have children.  In the country I served in, Malawi,  about 10% of the people living in country were refugees, mostly from Mozambique. And since everyone was dirt poor, it made no difference.  People farmed what they had as best they could.  I could not  imagine the strain of uprooting, the fear.  After I was out of Peace Corps, the Rwandan genocide happened, and there was ethnic cleansing in Bosnia,  I’ve met a lot of refugees.  You have to admire their determination.

But, in 2018, in the United States, the President—Trump—and the Republicans have turned desperate people into evil-doers.  I’ve met so many white Americans who think these people should ‘get in line’ & not cross ‘illegally’.  Americans  have no idea how many wealthy people ‘jump the queue’ and , while it is legal, they have often cheated people  in the countries they came from & continue to do so.

First of all, if you own a small business, you constantly meet foreigners who came ‘legally’ & overstayed their visas…who then finagle. Virtually all these people speak English and have  friends/relatives who might sponsor them, and they are mostly white, so they have a leg up.

Now, imagine you can’t read, and you don’t have access to a radio or TV…or the television stations are run by  your government.  You get all your info as either rumor or propaganda.  Men come to your community and know you are vulnerable, and they harass and threaten you and your children. Maybe your  husband has gotten into debt with them, or killed one of them, or caused 1 to lose a job. Your government won’t help you.  Worse, your government has been getting aid  from the USA (my government) to strengthen ‘civil society’ but has never been asked for an accounting.  The rumor is to go north to the USA ans ask for asylum.  You don’t know that there are ‘official crossing  points’.  You just go.  You are walking with  very young children.  Are you walking a mile?  No.  10 miles?  No.  You are walking hundreds of miles with kids, risking your lives, because  you would for sure be hurt or killed had you stayed.  You’re dealing with  finding food, a place to sleep, maybe transportation.  Gambling with the odds?  These people don’t know from the odds.  Can you imagine being this desperate?

Then, for reasons you don’t understand, you are separated from your children & told to wait.  So many Americans really believe these refugees knew they were breaking the law and would lose their kids.  Not true.  So this serves as no deterrent.

And can you imagine the terror of the children—some so small they can’t speak any language?  I remember the terror and panic I experienced  several times as a child. I am in my 60s and I still remember the physical feelings.

So, in the name or ‘rule of ‘law’ we have traumatized thousands of people for no other reason than enriching a  major GOP donor who charges my government over $700 a night per person to incarcerate them.

My government is raiding  Social Security & Medicare—-monies taken out of our paychecks for  security in the future, to pay for the  lavish lifestyle and  wants of their  leader…the president…and trying to make us think this all benefits us American citizens.  We should really be ashamed that we allowed the president to lie about this.

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Pick Your Battles

June 15, 2018

I have had the same roommate for  almost 20 years now, He says he is too lazy to move,  In reality, he’s in love with my dogs.  It’s  great living with trained dogs who love you back & think you are marvelous.  Sometimes you have to let them out, or feed them, or pick up poop in the yard, but not every day.

He doesn’t smoke or drink, and is very reliable  with paying the rent.  Our big issue is that he never throws anything away, and is a bit of a hoarder. You can barely walk into his  ‘bedroom’, which is now an office. So, he sleeps in the living room.  Several people have asked me why I don’t ‘make him’—-clean up, throw stuff away, etc.

I’ve weighed the pluses and minuses.  I’ve learned to pick my battles.  I’ve lived with other men. Drinkers.  Guys who I’ve given  mail to—with checks enclosed (and they’ve forgotten to mail them).  Guys who were unreliable.  I know when I’ve gotten a good one.

I  am a dog groomer, and some of my friends  do  ‘creative’ dog grooming. This involves dying dogs with vegetable dyes.  It’s messy and time consuming, Not my deal.  I am really shocked by people who get their panties in a bunch over this.  Ut does not hurt the dog.  you want to know what hurts dogs?  pinch collars. They are designed to hurt dogs.  people make excuses & say they are better than choke collars. So, what they are saying is that 1 method of hurting a dog is BETTER than another method, Really?

You know what  rankles me?  People breeding pet dogs for fun and profit, not caring about genetic defects, and selling to naive idiots who don’t know how to find a well bred dog.  Coloring dogs?  not a problem.

You know what else isn’t a problem? Which way the toilet paper hangs—over or under…or how  the dishwasher is loaded.

You know what REALLY upsets me?  A president that thinks science is hokum, and  has convinced people who should know better that he didn’t ‘drain the swamp’, but  put the swamp swelling lobbyists & the legislators they paid off into  dismantling consumer and environmental protections that benefit us all.   One who  promised better healthcare than ‘Obamacare’ but  didn’t do it.  One who makes deals with  countries so he can brand his own massage parlors &  escort services.  Who  insults our friends &  praises  torturers.

I am shocked that some many  people, who think they are patriots, and keep citing the Bill of Rights, think Trump is protecting them & their interests—-when there is clear evidence that he is not.  That is my battle.

The New Bait & Switch: Long Term Care Insurance

June 9, 2018

Insurance. Everyone loves the topic. The first thing you need to know about insurance is that the business is modeled on fear that you won’t have the money to fix something, or to live, after a disaster, and the company not paying out. That’s it, pure & simple.  The odds are, your house won’t burn down (as an ‘act of God’, like a hurricane, tornado, or earthquake are not covered unless you specifically pay for that kind of additional coverage).  You may have an accident in your car, like by sliding on ice or being  pushed by another car, but odds are  it won’t happen…but if it does…

In an ideal world, our government would offer the same kind of  insurance for citizens that  all the governments of all developed countries offer: health insurance, a decent old age pension, assistance for the elderly.

This is not the ideal world. This is America, where insurance is not considered a right, but a commodity to be  bought and sold.

I totally understand the need for home owners liability and fire insurance, as I understand the need for car insurance, but for the last several decades, the  insurance industry has been  promoting  long term care insurance.  It had been sold as an annuity:  you pay in  every year for  a certain number or years, until  you are vested, and the fee is the fee…no matter how old you get…and the benefit is locked in with the fee. For me,  It WAS  $1564.91 per year as offered by  Northwestern Mutual Life Insurance, and offered, after a 90 days ‘exclusionary period ‘(where you actually had to pay  for care on your own, at a rate of well over $100 per day..), once you notified Northwestern Mutual that you needed to benefit, it started paying $220 per day for  a nursing home, There were other benefits as well if you didn’t need a nursing home, ‘but assistance’.  However, the cap on benefits— ‘defined benefit’ as they call it, for my plan, is $481,800.  That’s it.

This seemed like a decent value 10 years ago.  How did Northwestern Mutual come up with the cost of the policy? Why…they paid actuaries:  mathematicians not only trained, buy licensed by the state, to  come up with fees, costs, and what the company  would need to  still be profitable if they paid out.  Really.  I-thought—BY LAW—the contract I signed was the deal.

Apparently not.   Apparently, all those actuaries that were employed by all the companies offering  Long Term Care insurance, in a phrase, fucked up royally. They are claiming now, 13 years into my paying the locked in rate for locked in benefits, that “….thanks to medical advances, people are living longer today than ever before.  While this is something we are thankful for, it has increased the anticipated cost of future LTC claims for the industry as a whole….”  So. long story short, they want to raise the rates $380 a year, to  $1942.60 until  2021, and they the rate will be  $2460.60. They claim they don’t anticipate a rate increase after that.  Riiight—-as I have a contract that says the rate is $1564.91  PREMIUM PAYABLE FOR LIFE.  What did I miss?

More bullshit follows.  People are not living appreciably longer than they were 10 years ago when they sold me the policy.  While there is a lot of ‘fake news’ out there, you can Google life expectancy. https://www.ssa.gov/oact/STATS/table4c6.html  or how about: http://www.data360.org/dsg.aspx?Data_Set_Group_Id=195

They are raising rates because they know nobody is going to charge them with fraud.  Or,actually,  after I complained to my state representative that the the foxes watching the henhouse at the Illinois Department of Insurance approved a rate hike of 25% for the next 3 years, and then 50%  I  got a  letter from the president & CEO explaining that they had to justify the increase to the Illinois Dept. of Insurance.  The whole point of buying the policy while I was ‘young’ (in my very late 40s) was to keep premiums low, but alas, you can’t beat the house—ever.  To make this even  crazier….insurance is based on a pyramid scam:   new policies help fund  old policies…but they are not writing any new policies, at all, at any price.  I have  very wealthy friends who would like to preserve wealth for their children in case they have to go into a nursing home, and these parents can’t buy a policy at even $20,000 a year.

What I learned was, not only is Northwestern Mutual raising their rates, but Unum, Allianz, and  several other companies are….same excuse:  “People are living longer”   and interests rates are  down..all the same  per centage. What are the odds?  Also—-very  funny—-this  insurance policy is only good in the USA.  You can’t go to Mexico, India, Viet Nam, etc, where the cost of  care is much cheaper.

Capitalism  relies on  integrity.  It relies on the concept that if  a seller says a product is a  certain price, you pay that price.  Otherwise, there is no trust. That’s what Adam Smith said in so many words.  But if Trump can change the terms of a contact when it is inconvenient for him, why not everyone?  As I said, people are not living longer. What is happening is that  the people who bought this policy are expecting it to pay out and are taking advantage of the benefit they paid for. The actuaries were wrong (and whether you like it or not,  our rates paid their salaries as well).  This is right up there with the GOP  insisting that Social Security is an entitlement after we’ve all paid for it….and they are convincing journalists to call it an entitlement.  But I digress.

So, they’ve given me 3 options:  to accept the rate increase, to continue to pay the same rate at a vastly reduced benefit, or no longer pay anc accept  the benefit of the premiums I have already paid, which are $20, 334.

I am still mulling over pros and cons of keeping this policy in force, but no matter what the law says, i…and many others I know, feel defrauded.