Benjamin Feinblum Government: All budgeting mechanisms need major work across each organization. Each department has major problems in spending and policy that need to be addressed. Some departments may be 75% problems and 25% results. Others maybe 85% results and 15% problems. Our government is an experiment that must remain in a constant state of improvement. We're going on a few decades now where the goal is to score political points rather than solve problems. Thus, we aren't solving problems that often, or that well. So, I support www.nolabels.org because I believe they have some good things in motion. I operate businesses and find the same problem many times when hiring. Our society needs to beef up our core of integrity, honesty, and trust. We need to build on top of that a solid education system that aligns with cognitive development states of children. Despite all problems, we have the best economy in the world, even today.
Benjamin Feinblum And to clear a few things up, here is my philosophy. Many private entities fail. Many government programs fail. The ideal state is a constant state of improvement on all fronts. When a problem needs to be addressed that the private sector is failing to resolve there may be a solution elsewhere where profit motive is not the driver. The ideal composition = Maximum quantity of individual responsibility + Government involvement to the minimum needed to yield a shift forwards + a constant state of improvement on the inefficiencies of how things are operated = recipe for addressing issues that have remained unaddressed. The goal: Find the line where minimum government involvement and outlay of $$ achieves maximum result. Spending: When economic times are good, long term, highly costly plans should not be implemented. Focus on basic research, education, infrastructure. Too many times programs are structured in that can't be funded during down times. During weak economy spend.
Benjamin Feinblum John. I used the money I earned from having customers again to open two more businesses and buy a house. Now, on the income inequality graph. For me, I understand distinct differences in the psychology and monetary approach of people at different wealth strata. What are you referring too?
Benjamin Feinblum Bingo Michael, GM's EV1 had a 1200 pound battery and got 60 miles per charge in 1996. The Chevy Volt battery is 400 pounds. By Gen 2 batteries in 1999 you got 100 miles. https://en.wikipedia.org/wiki/General_Motors_EV1#Battery Now compare a side by side image of the EV1 battery and Volt: http://www.ohgizmo.com/2008/09/18/the-volts-battery-pack-vs-the-ev1s/ Now you've got the Tesla Model S. You can get a 300 mile battery, which was unheard of a few years ago. The battery is built into the chassis in a way that they can reduce usage of other materials to build up the chassis. Here's a shortcut to an image of the battery: http://www.blogcdn.com/www.autoblog.com/media/2011/03/lead3-tesla-model-s-development.jpg And the broader story. http://www.autoblog.com/2011/03/21/tesla-lets-us-peek-in-on-model-s-development/ Model T was launched in 1908. It took 105 years for combustion engines to get to where they are. Today, Tesla is rated best car ever tested after a few years.
Benjamin Feinblum Marc, despite what you heard in the media during campaign season, the government had a 98% success rate on these programs. Another booming business is producing natural gas tractor trailers. We can drop our imports of oil by 60% if the fleet shifted over to those and that business is growing exponentially. You don't understand, you've been had. You've been lied to. This is one of the most successful programs ever.
Benjamin Feinblum Abdul, it seems that is one of the core elements behind Elizabeth's passion for writing. I would agree with your thoughts on this. I think we need to unleash the potential of women as the next evolution for a stronger society. Including a stronger economy.
Benjamin Feinblum Elizabeth, a business is private property. If you are not welcome there and you have been informed, than from that moment forwards, one is trespassing. The casino could have handled this very easily and the audience would have cheered if these men were led out.
Benjamin Feinblum Here's the IRA data. 11 million people have IRA accounts. In total there are about 15 million accounts. There are 26.5% of retirement holdings in IRAs. The workforce is around 112 million people or so. Then, there is the retired population on top of that. IRAs are brilliant, but look at the adoption rate. Looking further, in 2010 about 12% of people that had IRAs made contributions. Would people contribute to an HSA? Here's the data source: Financial Advisor Magazine http://www.fa-mag.com/news/how-much-do-people-really-have-in-iras-10914.html
Benjamin Feinblum Romney's approach was to get everybody into the system. Get the free riders out of it. Then you have a solid starting point for fixing any other problem. This fixes free rider problems, government getting the bills for emergency room visits, shortened life spans, bankruptcies that lead to foreclosures, which cost about 20k per occurrence to a state. You get people in the system. Health care is being delivered. The market prices in the entire population and things adjust to include everyone. Life span increases, population health increase, and you build on that. I'd be far more in favor of HSA's than anything else based on the numbers, but that is only if I believed it would work. If we'd reach a universal level of coverage. My belief that this would occur is at a 3 on a scale of 1 to 10. With the ACA, I'm at about an 8.5, based on the fact that Massachusetts achieved better results than that. I'll post some data I just found on IRA usage.
Benjamin Feinblum Zack, on your idea of health savings accounts, I would agree. The numbers work better via that approach. I think we have it in this state because my parents have HSAs. Here's the problem. Reality. IRA's offer tax protection for people's money. Put a few thousand a year and retire a millionaire. Yet, what percent of people take advantage of it? Romney somehow had amassed 100 million in an IRA. Nobody even knows how that was physically possible. The general public? Is that going to get them all investing for their retirement? It has not. There are a pallet of options to address every issue. The strength of HSA's is in the numbers. What happens if people actually do it. The weakness is in the fact that similar program results show that people don't do it. While this is their own problem, it becomes society's problem very quickly. Bottom line: The mandate approach reached 98% coverage. It worked. That's universal care. (cont)
Benjamin Feinblum When I reviewed his case with him, it turned out that the insurance company had actually sent him a new certificate a month ago. It certified that he would be covered throughout the next year. They sent him that, the next month he was dropped. How did that impact his life? He was retiring and planning on buying a second home in Florida. His conversations became about selling the family home to pay the bills, moving out of the home where he raised his family, moving into an apartment, and working another 5-7 years. That is one case. It is real. I experienced it. Take a look at the Patient's Bill of Rights. It protects you from the worst abuses of the insurance industry. http://www.healthcare.gov/law/features/rights/bill-of-rights/index.html
Benjamin Feinblum Zack the constitution is a document created by man. It is the best we've ever had, but it leaves it's grey areas, sometimes on purpose. According to the constitution, if a majority of Supreme Court justices find it constitutional then it is constitutional. End of story. 30 million more are being added to the system, but it is not the same system. The entire system is shifting to electronic medical records, reimbursement rates for everything are being shifted, primary care doctors who save a million a year each by solving problems with fewer tests are getting increased pay, while specialists are getting less. Those elements there shake up the entire system. Benefit #1: The process of recisions is when the moment you get sick an insurance company drops you. My friends Father a few months ago was dropped after getting heart surgery and was sent a $237,000 bill. That is now illegal. You get sick, your insurance can't be dropped.
Benjamin Feinblum Elizabeth, I watched and didn't see the chanting in that video. Was it the right version. Anyway, this woman was awesome. The amount of effort and years that it takes to hone an act to the level she has is extraordinary. Most people drop out or fail along the way. I am also an entertainer, I do comedy, so I know. I once took a person who was in the audience yelling things, I said, "Okay you do it." I invited them up on stage and I took a seat. Then I got the audience chanting what that person was. He ran out crying. Today, I say... well, the audience paid to hear me, but I'm going to do a lot less while you're doing that... so... I'll wait. And I stop. I stop completely. The audience turns on that person or group and bam... nailed. What the audience members did in this case was a reckless abuse of the right to free speech that so few on the planet have.
Benjamin Feinblum John Say, a few years ago I was a Republican. Things do certainly change. And no. We all have our entirely unique experiences. The problem with your approach of communicating is that you don't respect anyone who has had different experiences and thus come to different conclusions. Go back. Look through a comment of mine, on topic. Find a way to respond that shows you believe I have more than three brain cells in my head.
Benjamin Feinblum John. I'm not unhappy with you. I feel that along the way in there, you may have some valid points that I don't get to see. And yes, there's a hell of a lot in my life that I've done that nobody else has ever done. By the time I was 21 I invented a method of genetic mapping that I lectured at University of Maryland for hundreds and hundreds of scientists. Your experience is limited by the fact that you are one person. To a degree and only a degree, you are right on each issue, but so am I. Until you recognize that it isn't worth talking to you so you can tell me how much smarter and more experienced you are than me. Take note for example. For my entire life, my view is not going to change on the impact of the stimulus. I felt it in my life. My business phones came to life. People will disagree. Look at the primary source reports I use and the math. Am I always wrong? http://www.policymic.com/articles/10802/republicans-are-killing-job-creation-and-recovery
Benjamin Feinblum Michael, that is the extraordinary thing about it. For all those buying it, that range is far enough for their purposes. People spending $70,000 on a car can have any vehicles they want for other trips. This will meet their needs most of the time. Bottom line: There was a wide array of energy ideas that were just a few years out from reaching market. President Obama made the decision to try every single one that was proven to a high degree and give it it's shot now because nothing else was going to bring the economy upwards. Everything had crashed. We needed green shoots to inspire us. Tesla inspires me daily right now. I'm like "holy crap, that's supposed to be impossible." Prior to Tesla there was no mainstream electric car. This is it. Successes like this allow us to look at our own world and say to others... maybe we are playing too small. Look what this guy did. I can make a difference too. What can I do to play bigger in my life?
Benjamin Feinblum No John, It is highly possible to be a tyrant on PM and you have achieved it. Free speech is the ability to say what you want without government intervention. The people around you, who get to hear your version of free speech get to determine how they want to deal with you. I'm calling you out. You are here to be on a tirade. You are being to me and others that, which you do not want to receive from the government. When someone uses a word, it's really easy to pause and review, you'll find it is the strongest trait of that person. Consider this; you just told me you've been using me to get your points out. You know what happens? You begin controlling my time. Then, I'm not having interesting dialogs with anyone else but you. If that's not the definition of a controlling tyrant I don't know what the hell is. My vision of the reality you bring is that you want freedom so that you can be the tyrant. And... go on your rant. See previous posts with 50 comments to my 3.
Benjamin Feinblum John Say, I have an IQ of 156 and I don't care where you are in your life I am way the hell above your paygrade. If you can't find anything in agreement with me than the issue is you. I've done my homework. I do it every day. I dig in primary sources and reports and read them not the news. I don't watch main stream media. I get bipartisan perspectives on each issue. Ah... I see... well, I'm not going to argue with you. You are not an ex wife. Sorry, I don't accept that role. I'm not going to be your setup. The interesting thing John, you are so extreme on each issue I find myself taking positions that are far rosier than any opinions I actually have because I think you are insane. You literally shove me to the extreme on every issue because your absolutism is so ridiculous. Your point is lost because you are seen as an arguing raving man, rather than one sharing an intellectual exploration. You seem mature. Time for you to mature your approach.
Benjamin Feinblum Aka... listening... receiving... thinking about what you agree with... communicating agreement... communicating parts of disagreement. One point at a time. I'm sure you have some good thoughts... good ideas... I'm so turned off by the wave... I pretty much tune you out usually as a raving lunatic. I come onto Policymic... my thing has 49 on the indicator. A run of them are a jumble of replies that breaks up one dialog so much, in so many directions, it is recorded two or three dozen times. Never seen that before. Face it John. You don't want a nanny because you want to be the nanny. You are right. Everyone else is wrong. You've got to get your opinion out. You don't particularly care about other people's opinions. It doesn't affect you. You feel good because you've vented your rage on everyone else whose received it. Calm down. Choose to have intelligent dialog. I don't want to be your mentor. I don't want to be your nanny. Alternative = tune you out entirely.
Benjamin Feinblum John. I've got to be honest with you man. Many times I see a few things that I can agree with, but you put out such a flood on each response that I'd have to spend an hour and a half responding. Does it make you happy because you get to hear your own voice? Because you get to trumpet how right you are? I don't want a tyrant. You come in here like a tyrant. If I were interacting with you in real life, I'd stay the hell away. I find that you are extremely negative. You're blind to anything positive. You see each thing from the most extreme negative you can. You don't seem to understand that the country is a work in progress and it's already the best in the history of mankind. Everything bad. Everything is out to control you. You seem... crazy to me. If you're going to message with me... I ask that you pause... tell me what you agree with... tell me what you disagree with. You need a mentor right now. You need someone to tell you to calm the hell down and communicate.
Benjamin Feinblum The reason the government took these risks is that no-one else would. The government could. People were pouring money into the government coffers for the honor of getting 0% interest back. It cost us everything not to try. We had to try everything physically possible. I most sincerely applaud our leaders for trying everything they could because... The economy is shaky right now like this... take out all these programs and businesses that they launched. Take it all out... things are better? Republicans wanted to say "gotcha" on national TV. That's all it is. The great thing about innovation is that it doesn't work. That is why it doesn't already exist. Nobody figured out how to make it work. The business success rate for startups is 1 out of 3. I own three successful businesses, I am not the norm. 2 out of 3 fail. A 98% success rate via the department of energy program shows that the federal government was better than any venture capitalist on the planet.
Benjamin Feinblum Ethan, Republicans entire focus is on communications and scoring political points. They are prepared to have the country lurch from crisis-to-crisis and fight on every single thing just to win for their team. I spoke to seven Congressmen, half of them Republican, who informed me of this directly, last week alone. They wanted the entire program to be viewed as a failure even though there is only a 2% failure rate. They were trying to get seats and throw mud. Sometimes there is a crisis. You don't get all the information. You throw a whole bunch of crap against the wall and hope something sticks. You have to make decisions blind... you don't know what the outcome will be... and you are so busy that you can't always review anything that has been put into place. That's just reality. Take this article for example, when I reviewed primary source data and revised reports. Look what I found. http://www.policymic.com/articles/10802/republicans-are-killing-job-creation-and-recovery
Benjamin Feinblum Michael, I work twice as hard to find any comment to mic from other people who frequently disagree with me. I also try to point out very specifically one detail I agree with and why and one detail I don't agree with and why. Hopefully, we can chase each other around trying to find the moment when we can mic each other again.