Category Archives: Taxes

Behind the healthcare debate

All Children’s Hospital in St. Petersburg, Florida

Long last, the decision everyone was waiting for. The Supreme Court voted 5 – 4 on Thursday to uphold President Obama’s healthcare law, the Affordable Healthcare Act (ACA).

Since ACA was signed into law by President Obama on March 23, 2010, quite a few very important parts have already gone into effect.

• Providing small business health insurance Tax Credit

• Relief for millions of seniors in the Medicare Prescription Drug “Donut Hole”

• Providing access to insurance for uninsured Americans w/ pre-existing conditions

• Extended coverage for young adults to stay on parent’s plan till age 26

• Providing free preventative care

• Eliminating lifetime limits

• Prohibiting denying coverage of children based on pre-existing conditions

• Prescription drug discounts

• Free preventive care for seniors

Much of this has been overshadowed and misunderstood due to continuous debates and the ongoing effort to repeal the entire Affordable Care Act better known as, “Obamacare”.

The Republican Campaign in 2010 focused greatly on a total repeal, signing pledges and stating their mission if elected would be this repeal and making sure Obama was a one term President.

As they campaigned, it wasn’t about what they could do to improve our nation, their states or what jobs they would actually focus on once they were seated in Washington. Their focus was on what they could undo and how they could use tactics to somehow tarnish Obama’s first term in office to hopefully make it his only term in office.

The way this Congress has been operating is exactly the way the 2010 candidates presented themselves during their campaigns. They ran on misinformation, desperation and what became a popular and easy idea because of them, REPEAL!

What did the American people get? Voter’s remorse maybe? But, a large number of Americans are also getting insurance benefits they did not have and that is due to the Affordable Care Act these same Republicans have and are still trying to in some way repeal.

As the Supreme Court’s decision came in, it was clear there would be statements from both sides. This debate has gone on for this long and is a topic that not only has an effect on the lives of so many Americans but has also caused such an ongoing divide amongst a large number of individuals as well. The idea of that should be troubling but it seems to be feeding an ongoing debate that often times the media is playing into.

The divisions are often based on misunderstandings of the law or due to social and economical differences. These differences are not new and often come up in other issues as well. The idea is to bridge gaps not feed into the source causing them.

The first need is to understand what the Affordable Care Act is and what it is not. Stay informed.

The second thing is to not only consider the needs of the American people now but also in the future. Understand that things happen in life that people could never plan on.

Example: One day, without notice a person can suffer a massive heart attack, have a stroke or be diagnosed with Parkinson’s Disease, cancer or come down chronically ill with something that makes them unable to work, continue day to day activity or even be given the news they are facing death. Most people do not want to think this can happen to them and certainly one would hope this doesn’t happen to anyone.

When something like this occurs however, life takes a dramatic turn. Suddenly the focus is on the illness, treatments, doctor and hospital visits and most everything else is on the back burner. This is a time of extreme uncertainty.

This situation happens all across America, everyday. This affects working families, single income families with or without insurance, every economic level, any race, any religion and at any time.

Things that should not be happening are insurance companies taking advantage of people getting sick by denying treatments and/or medications ordered by the doctor, hiking up rates on patients because they are receiving treatment and/or setting annual or lifetime dollar limits on a patient’s coverage.

These tactics make medical cost for insured patients unaffordable. They also shouldn’t be able to deny someone coverage because they happened to survive their heart attack, stroke, cancer or are living with asthma, diabetes or other illnesses they consider to be “pre-existing”.

Everyone should agree to this. That is simple.

Healthcare is a must for everyone. It shouldn’t depend on your age, your economic status or whether you are coming down sick or in really serious condition. A person is more likely to stay behind their health with health insurance than without. Chronic conditions need to be managed or they can become life-threatening. Many viruses could be better managed if more people received flu shots and many conditions like high blood pressure and high cholesterol could be kept under control before more serious conditions arose due to either a person not knowing about the condition or the lack of available treatment.

Overall, people do not like getting sick, enjoy feeling better even if they may dislike or are nervous to visit a doctor.

Soon after the Supreme Court’s decision, Mitt Romney made a statement. Part of his statement was this. “If we want to get rid of Obamacare, we’re going to have to replace President Obama. My mission is to make sure we do exactly that. That we return to the American people the privilege they’ve always had to live their lives in the way they feel most appropriate. Where we don’t pass on to coming generations massive deficits and debt, where we don’t have a setting where jobs are lost.”

The problem with that statement is a great number of people are not able to live the way they feel “appropriate” or even acceptable. Many people have to decide between getting prescriptions filled or to putting gas in the car, paying utility bills or buying groceries. A large number of families have lost homes due to medical bills or living expenses while overseeing a loved one’s medical care. Others skip going to the doctor at all together because often times they can’t afford the visit, are without insurance coverage, or the deductibles have become so large due to adjustments made trying to bring the monthly premium down.

On the idea of passing down “deficit and debts, plenty of Americans have taken out multiple mortgages on homes to pay for medical cost and/or cover expenses for time out of work during medical treatments for themselves or their loved one. That is a huge financial crisis for a family and a burden that will pass along to their children most likely.

Often times it is said that to know what someone else is going through, you’d have to walk a mile in their shoes. It shouldn’t take a mile or a “pair of shoes”. This isn’t about Republicans or Democrats, winners or losers and it isn’t about the rich or the poor or the ones in the middle.

This is about all Americans and humanity.

It is also about looking ahead and being prepared.

A person or a family should not have to go broke to take care of medical expenses.

More sadly, a family shouldn’t have to lose a home while going through the loss of a loved one.

Anyone should be able to take their child to the doctor and receive quality care when they are ill.

Everyone should be able to receive quality care for chronic illnesses and not worry they may be dropped from their insurance company because they are sick.

When a family or anyone is facing a tragedy, our Country should have in place a system that shows we are a Nation with high quality care and we value each Citizen as well as our morals, unity and integrity. It should be a standard we set and a statement we are proud to stand by. It shouldn’t be an issue fought over in Washington but instead a value protected year after year.

After all, looking after the American people is their job and our future.

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Communication breakdown

Another day
Photo by: Marshall Astor

Do you get up each day wondering how you will make it through another day of repeating the same steps you repeated the day before?

Did you drop into bed the night before wondering why something just doesn’t seem to be “clicking into place” or that certain moment isn’t happening in your life?

Your “moment” may be different from someone else’s and what may seem repetitive to you may not to someone else but what is lacking more and more in society today is genuine interaction, conversation, listening, being heard and that feedback from someone on a level that is not only listening but being heard and really being tuned into to what is being said.

Genuine interaction with friends
Photo by: Philm

No, this is not an ad for Match.com but our society is changing everyday and with those changes come many benefits but also struggles if there isn’t the ability to adapt. However, is there always a way to adapt an entire society to an ongoing cycle of change?

Let’s look at one part, communication.

How many ways could one communicate 40 years ago?

Write a letter, make a phone call, telegram, or face to face pretty much.

"Old fashion" ways of staying in touch still do exist....
Photo by Muffet

Many people knew people in their neighborhoods, communities, schools, families and kept more in touch with the people around them on a more personal level.

Today, we have grown in the ability to have a much larger number of ways to stay in contact, at anytime, with nearly anyone, all over the world, even meet complete strangers.

We have the Internet which has given us numerous social medias like FaceBook, Twitter, Tagged, messaging, email, live chat, Skype, multiple online dating services, and countless ways which I am not intentionally leaving out. The fact is, the ability to communicate via the Internet is huge!

We have cellphones which allow us the ability to receive and make calls from anywhere and to anywhere which, even if it may seem rude, could mean a quiet movie theater, the bathroom, or in the middle of “nowhere” (can you hear me now?).

Contact ability goes everywhere we go....
Photo by: Anthony Quintano

Plus, with cell phones, there is texting…lots of texting! I’m not so sure if that counts as “communicating” but there are words being exchanged…so I am including it here.

It almost seems old fashion to mention the fact someone can send a Fax but it is a way to communicate….

So, here comes another point. It seems today there is less actual communication. There is far less listening and the ability to communicate and reason a point seems to be going down the drain.

Relationships are being built on the Internet, carried out through texting, and more of what was once built face to face is lost. That emotional connection, expression is becoming more of a lost part in our society.

Again, I’m not just talking about dating relationships. I mean real relationships with friends, family, people with similar experiences.

How well do you really know those you are “in touch” with?

How well do you know your neighbors, schoolmates, coworkers, distant family? Do you just keep up with their FaceBook, Blog or text here and there? Do you ask them questions?

Most of us have become very accustomed to today’s way of life. It’s easier and more suited to our busy schedules.

Our kids have the same way of life. Seriously, we text each other in the house (I have!)

But, we can’t let go of the need to sit down face to face and communicate, really let things go for a while. Ask people how they are doing and about their goals or what they are facing.

Discuss issues at work or social events
Photo by: Gelatobaby

People right next door or at our job may be facing hunger, a death in the family, domestic violence, loss of their home, divorce or a crisis but without asking or showing concern, the day may pass by, a week or a month and just the same, “I’m fine” until one day, they just aren’t at work.

In our country, we are facing some of the toughest times ever. This is not the time to say, “It’ll pass,” and just leave everything up to our leaders in Washington.

These problems started a long time ago. It is not a party problem or a political problem. This is a communication problem.

As many of us have lost close contact with those in our workplaces, schools, communities and even our own families and may not be listening to what is always being said, these leaders aren’t listening either. How can they be making sound and solid decisions without hearing what their constituents, the voters are really calling for, asking for and needing? This is causing consequences for everyone and needs to be understood and addressed. Each person taking responsibility for their own actions and what they have been given the opportunity and trust to uphold.

Here’s an example. As an adult, you have a choice of whether to go to work or not. You can choose to never go. There will most likely be very strong consequences for you choosing not to go and they will probably go into effect pretty quickly.

However, when an elected official in Washington has a job to get done and keeps procrastinating and all of America is on pins and needles, it is okay for them to put it on hold, bicker back and forth like babies and continuously act as though they can’t decide on whether it is more appropriate to help keep funding for those who need it or those who can afford to give up some breaks?

Either way, no matter what, their job isn’t on the line, their pay isn’t on the line, the health care isn’t on the line and their homes aren’t up for foreclosure.

Do they talk face to face to the people who are going through these things or do they just go by reports being fed to them by those working for them? Have they lost the ability to listen or be genuinely immersed in a conversation and have that desire to do something that matters or is it just more important to win?

Washington shouldn’t be about winning. It was supposed to be about representing but you can’t do that if you can’t listen to those you represent.

Instead of just using the phrase, “What the American people want,” maybe it would be to everyone’s benefit to find that out again by actually learning to communicate the old fashion way.

Talks, talks and more talks but who are the discussions about and who are they listening to? How long is this acceptable?

Politics 101-Getting to know your government

Where are interesting websites to learn more about past presidents through President Obama? I decided to take a break with the series that I am working on to look up some interesting links on the history of U.S. Presidents as well as the White House. Here are just a few of those links.

Sometimes the best way to get involved is to know more about the subject. Understanding more about the United States’ past presidents and their accomplishments as well as some of their day to day life can possibly open doors to more interest in today’s activities in the local government as well as what goes on in Washington D.C and our 44th President, Barack Obama.

A very interesting website to visit is The American Presidency Project. This is an online resource of documents that go all the back to President George Washington. Documents include Inaugural Addresses, press conferences, executive orders, State of the Union addresses, convention speeches and much more. There’s even a link to find out the word usage in the State of the Union messages and so far, President Obama’s longest message was 7,904 words. President Theodore Roosevelt however had one that was 27,397 words on December 3, 1907. A few of his used near the same amount of words. This is an interesting link and very informative.

Another link, which is often overlooked, to get to know more about the U.S. government is the White House Website. By clicking on the section “our government” there is a large amount of useful information on the Executive, Legislative, and Judicial Branches of the government. There is an area on the Constitution, Federal Agencies and Commissions. A person can learn more about the elections and voting processes and also about how the state and local government work within their daily lives.

By surfing through the White House website, a person can find information such as daily schedules, statements, history on past presidents, pieces of legislations, different issues on a wide range of topics like energy & environment, health care, veterans, taxes, defense, immigration and much more.

Aside from the President and First Lady, there are also links to learn more about different administration members at the White House. If you’d like to send a message to the White House with comments, suggestions or a message of support, there is a link to do that as well under the “contact us” section. You can also mail a letter to the White House.

The White House
1600 Pennsylvania Ave. NW
Washington, DC 20500

Phone Numbers
Comments: 202-456-1111
Fax: 202-456-2461

Of course to learn more about the presidents, politics and Washington D.C., knowing more about the White House itself and its history as well as its day to day functions is certainly important. By visiting the White House Historical Association’s Website, a person can see historical pictures, timelines and facts as well as videos, art images and slide shows. There is even an online classroom section for students and teachers to visit. For teachers there are lesson plans (grades K-12) and students have different links to click on for informative and fun lessons.

For those in Florida, getting to know more about the local state government and politicians as well as what is available through their community and state services and be done by visiting the MyFlorida.com website, a person can find information on public schools, taxes, social security benefits, Veteran’s Affairs, unemployment and more.

For Hillsborough County residents, more detailed information can be found by visiting the Hillsborough County Website to find links from different government agencies like the Sheriff’s Office, the Hillsborough County Court House and the website has many more links to visit. By taking time to go through the links on this website, a person can look for job opportunities through the county and state, file for permits, register to vote or find voting times and locations, pay property taxes, search for public records as well as find links to outside resources and more.

This is only a small amount of websites available to learn more about the local and national government and its history and resources. Understanding how the government works allows people to be involved and therefore be part of making decisions and making a difference.