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STOP INSURANCE RIP-OFFS

In Bureaucracy, Business, Law, Law Enforcement, Social commentary on January 6, 2016 at 1:58 pm

An insurance company suspends your medical coverage for months—or longer.

You’ve faithfully paid all premiums for your medical insurance—and have the records to prove it. But the company doesn’t care.

Think it can’t happen to you?  It did to a couple I’ll call Diane and Mike.

Mike worked as a paralegal for a Los Angeles law firm. He was getting health insurance for himself and his wife, Diane, under a COBRA arrangement.

COBRA stands for Consolidated Omnibus Budget Reconciliation Act of 1985. It’s a Federal law that was passed by Congress and signed by President Ronald Reagan.

One of its provisions creates an insurance program giving some employees the ability to continue health insurance coverage after leaving employment.

But a COBRA can sometimes act the same way the deadly poisonous snake does—with unpredictable and lethal results for those depending on it.

In this case, after Mike left his law firm to work at another, he found the COBRA didn’t operate as it was supposed to.

A snafu developed, involving

  • the COBRA management company,
  • the hospital where Mike and Diane had long been patients, and
  • Mike’s former employer.

Each of these institutions blamed the other for failing to provide appropriate information.

So the insurance company suspended Mike and Diane’s health insurance–completely ignoring their medical needs.

Of course, for most people who have dealt with an insurance company, this won’t come as a surprise.  Insurance companies aren’t in business to do good. They’re in business to make money.

Then, one day, Diane called me on an unrelated matter. During the conversation, she let slip the suspension of her medical insurance.

I was stunned at the news–and outraged when she said this had been going on for six months.

At once, I offered my services as a troubleshooter. She accepted.

I decided to call the office of my State Assemblyman. In California, the 80 members of the Assembly serve two-year terms, and are limited to being elected three times.

The 40 members of the State Senate serve four-year terms, and can be elected twice.

Because they face re-election sooner, members of the Assembly must stay closely attuned to resolving their constituents’ problems. That’s why they employ staffers who are experts at navigating through the maze of State agencies.

California State Capitol Building

And State Senators make certain their offices are equally well-staffed with such experts. 

When I called my Assemblyman’s office, I didn’t ask to speak with him. I knew I was too politically unimportant to rate a direct chat at that level. And I didn’t need to talk with him, anyway.

I simply told the secretary that I wanted to speak with the office’s specialist on insurance.

California has an Insurance Commissioner who directs the state’s Department of Insurance. The mandate of this agency is to license, regulate and examine insurance companies.

Soon I was speaking with Frank, the Assemblyman’s expert on insurance matters. I quickly explained the problem my friends were having. And, to my surprise, I found that he and I hit it off right away.

Frank said he had a friend–Steve–who worked as an investigator for the Department of Insurance. Then he generously offered to put me through to him. I thankfully accepted.

Soon Steve and I quickly found ourselves getting along well. Then he asked me: “What’s your friend’s number?”

Diane hadn’t authorized me to give her number to anyone, but I decided to forward it. If Steve was that interested in examining their problem, I wasn’t going to throw a damper on his enthusiasm.

Soon Steve and Diane were discussing the situation.

The insurance company Mike and Diane were relying on was, like many such companies, registered in Florida.  But, in order to legally do business in California, it had to obey the laws of the State of California.

And California laws forbade exactly the sort of behavior this company was engaging in.

And shortly after that conversation, Diane’s insurance company got an unexpected call from the Insurance Commissioner’s office.

The message was simple–and blunt: Restore that coverage–now.

And, within 48 hours, it had been fully restored.

There are several important lessons to be learned here:

  • Maintain accurate records of all your premium payments. And keep them accessible–as in file folders, a safe deposit box or an online file.
  • Don’t let your insurance company victimize you. Once you’ve paid your premium, you’ve lived up to your part of the arrangement. Now it’s their obligation to provide the medical care you need.
  • Know the names, addresses and phone numbers of your representatives–at local, state and Federal levels. Websites such as http://www.govspot.com/ and http://www.capweb.net/ will instantly provide this information–and a great deal more.
  • Know the name, address and phone number of your state Insurance Commissioner.
  • If your elected representatives can’t or won’t assist you, complain to the news media. Start with the local newspapers and TV stations. If that doesn’t work, try the Internet.
  • If the agencies that are supposed to help consumers won’t aid you, make them part of your complaint to the media.
  • If you’re disabled and/or have children who are affected by the insurance cut-off, play up this angle in your contacts with public agencies and/or the media.
  • If all else fails, consider filing a lawsuit against the insurance company.

THE GRINCH AS SANTA

In Business, History, Politics, Social commentary on December 24, 2015 at 12:10 am

It’s that time of year again–a time of

  • Christmas trees;
  • Nativity scenes;
  • singing carols; and
  • exchanging gifts with family and friends.

Christmas is special, so, each year, the executives at Fox News find a new way to stir up emotions by resurrecting the “war on Christmas” slander.

Stirring up false controversies is a daily assignment for the alleged reporters of this company owned by Right-wing patriarch Rupert Murdoch.

In 2013, it fell to Fox hostess Megyn Kelly to carry the ball. And she did so on December 11 on “The Kelly File,” her popular Fox News program.

Referring to an article by Slate writer Aisha Harris on “Santa Claus Should Not Be a White Man Anymore,” she said:

“When I saw this headline, I kinda laughed and I said, ‘Oh, this is ridiculous. Yet another person claiming it’s racist to have a white Santa.’

“And by the way, for all you kids watching at home, Santa just is white. But this person is maybe just arguing that we should also have a black Santa. But, you know, Santa is what he is, and just so you know, we’re just debating this because someone wrote about it, kids.”

Of course, Santa Claus is a completely fictional character.  Arguing about his skin color is as pointless as arguing about his weight.

Related image

But Kelly wasn’t content to talk only about Santa.  So she turned next to Jesus, a historical figure about whom we have not a single reference to his appearance, let alone a picture.

“Just because it makes you feel uncomfortable doesn’t mean it has to change. You know, I mean, Jesus was a white man, too,” Kelly said.

“He was a historical figure; that’s a verifiable fact–as is Santa, I want you kids watching to know that–but my point is: How do you revise it, in the middle of the legacy of the story, and change Santa from white to black?”

Santa Claus a verifiable historical figure?  Not even Charlie Brown, in the annually telecast “Peanuts” special, would make that claim.

Two years later, it’s Donald Trump who has claimed center-stage in “defending” Christmas. And the target of his ire?  Starbucks.

In years past, its disposable coffee cups have featured snowflakes, winter scenes, reindeer  and Christmas ornaments.

But this year, Starbucks decided to go with a minimalist, all-red design, its only feature being the company’s green and white logo.

This has angered some religious conservatives, who generally care more about symbols than substance.

It’s the old “war on Christmas” mantra all over again. And Trump–who hopes to win evangelical votes in Iowa and South Carolina–is happy to become its biggest cheerleader.

“I guarantee if I become president, we’re going to be saying ‘Merry Christmas’ at every store,” he promised during a campaign rally in October.

Donald Trump September 3 2015.jpg

Donald Trump

Fast forward to November 9, and the Starbucks “controversy.”  Addressing a crowd of several thousands in Springfield, Illinois, Trump said:

“Did you read about Starbucks? No more Merry Christmas on Starbucks.

“I have one of the most successful Starbucks, in Trump Tower. Maybe we should boycott Starbucks? I don’t know. Seriously, I don’t care. That’s the end of that lease, but who cares?

“If I become president, we’re all going to be saying Merry Christmas again, that I can tell you.”

Trump did not explain how he would coerce non-Christian Americans–such as atheists, Jews and Muslims–to observe a Christian holiday.

Those who insist (whether they believe it or not) that Christmas is an endangered species should consider the following:

  • In 2013, the American retail industry generated over three trillion dollars during the Christmas holidays.
  • These holiday sales reflected about 19.2% of the retail industry’s total sales that year.
  • More than 768,000 temporary employees were hired throughout the United States to help stores cope with the holiday rush.
  • American consumers expected to spend about $704 on average on Christmas gifts.
  • There is no reference anywhere in the Bible to the month–let alone the day–of Jesus’ birth.
  • Jesus never commanded his followers to celebrate his birth–but he did call on them to remember his death.
  • Many of the “religious” traditions associated with Christmas stem from the pagan Roman festival, Saturnalia, which celebrated the “birthday” of the sun.
  • This was celebrated from December 17-25.
  • Saturnalia traditions included feasting, gift-giving, lighting candles (to ward off evil spirits) and displaying wreaths (as a sign of coming spring).
  • Early Christians tried mightily to convince their members to stop celebrating the Saturnalia.
  • When these efforts failed, the Roman Catholic Church, in the fourth century, “Christianised” the festival by naming Saturnalia’s concluding day, December 25, as Jesus’ birthday.

In George Orwell’s classic novel, 1984, Oceania is always at war with Eurasia or Eastasia.  Its citizens are kept in a constant state of frenzy as they’re directed to search for endless “enemies of the state.”

This, in turn, allows the unseen rulers of Oceania to run their dictatorship without interference.

It’s a lesson well-known to hucksters like Donald Trump and the men who run Fox News.

DICTATORS AND THEIR ADMIRERS

In Bureaucracy, Business, History, Military, Politics, Social commentary on December 21, 2015 at 12:21 am

Donald Trump and Vladimir Putin have been getting a lot of publicity lately–for how much they admire each other.

On the surface, this might seem surprising.  Putin spent most of his adult life as a fervent member of the Communist Party, which swore eternal warfare against capitalism.

After joining the KGB in 1975, he served as one of its officers for 16 years, eventually rising to the level of Lieutenant Colonel. In 1991, he retired to enter politics in his native St. Petersburg (formerly Leningrad).

Vladimir Putin

This, in turn, brought him to the attention of Russian President Boris Yeltsin, who groomed Putin as his successor.  When Yeltsin unexpectedly resigned on December 31, 1999, Putin became Acting President.

In 2000, he was elected President in his own right, despite widespread accusations of vote-rigging.  He won re-election in 2004, but could not run for a third term in 2008 because of constitutionally-mandated term limits.

So Putin ran his handpicked successor, Dimitry Medvedev, as president.  When Medvedev won, he appointed Putin as prime minister.  In 2012, Putin again ran for president and won.

Trump, on the other hand, is the personification of capitalistic excess.  He has been an author, investor, real estate mogul and television personality as former host of NBC’s “The Apprentice.”

The Trump Organization sponsors the Miss Universe, Miss USA and Miss Teen USA pageants.

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Donald Trump

He is notorious for stamping “Trump” on everything he acquires, most notably Trump Tower, a 58-story skyscraper at 725 Fifth Avenue in New York City.

On June 16, he declared himself a candidate for the Presidency in the 2016 election. Since July, he has consistently been the front-runner in public opinion polls for the Republican Party nomination.

So it came as a surprise to many in the United States when, on December 17, Putin described Trump as “a bright and talented person without any doubt,” adding that Trump is “an outstanding and talented personality.”

And he called Trump “the absolute leader of the presidential race.”

Trump, in turn, was quick to respond: “It is always a great honor to be so nicely complimented by a man so highly respected within his own country and beyond.”

Two months earlier, in October, Trump had said of Putin: “I think that I would probably get along with him very well.”

Appearing on MSNBC’s “Morning Joe,” Trump said: “Sure, when people call you ‘brilliant’ it’s always good. Especially when the person heads up Russia.”

The host, Joe Scarborough, was upset by Trump’s praise for Putin: “Well, I mean, it’s also a person who kills journalists, political opponents, and invades countries. Obviously that would be a concern, would it not?”

Trump: “He’s running his country, and at least he’s a leader. Unlike what we have in this country.”

Scarborough: “But again: He kills journalists that don’t agree with him.”

Trump: “Well, I think our country does plenty of killing also, Joe. You know. there’s a lot of stuff going on in the world right now, Joe. A lot of killing going on and a lot of stupidity…”

Absolute dictators like Vladimir Putin and would-be dictators like Donald Trump often gravitate toward each other.  At least temporarily.

On January 30, 1933, anti-Communist Adolf Hitler became Chancellor of Germany.  For the next six years, the Nazi press hurled insults at the Soviet Union.

Adolf Hitler

And the Soviet press hurled insults at Nazi Germany.

Then, on August 23, 1939, Hitler’s foreign minister, Joachim von Ribbentrop, signed the Treaty of Non-aggression between Nazi Germany and the Union of Soviet Socialist Republics (U.S.S.R). Signing for the Soviet Union was its own foreign minister, Vyachelsav Molotov.

The reason: Hitler planned to invade Poland on September 1. He needed to neutralize the military might of the U.S.S.R.  And only Soviet dictator Joseph Stalin could do that.

Democratic nations like France, Great Britain and the United States were stunned.  But there had long been a grudging respect between the two brutal dictators.

On June 30, 1934, Hitler had ordered a bloody purge throughout Germany.  Privately, Stalin offered praise: “Hitler, what a great man! This is the way to deal with your political opponents.”

Joseph Stalin

Hitler was–privately–equally admiring of the series of purges Stalin inflicted on the Soviet Union.  Even after he broke the non-aggression pact by invading the U.S.S.R. on June 22, 1941, he said:

“After the victory over Russia, it would be a good idea to get Stalin to run the country, with German oversight, of course.  He knows better than anyone how to handle the Russians.”

In April, 1945, as he waited for victorious Russian armies to reach his underground bunker, Hitler confided to Joseph Goebbels, his propaganda minister, his major regret:

He should have brutally purged the officer corps of the Wehrmacht, as Stalin had that of the Red Army. Stalin’s purges had cleaned “deadwood” from the Russian ranks, and a purge of the German army would have done the same.

For Adolf Hitler, the lesson was clear: “Afterward, you rue the fact that you’ve been so kind.”

It’s the sort of sentiment that both Vladimir Putin and Donald Trump can appreciate.

MOVIES: A SELF-DESTRUCTING INDUSTRY

In Bureaucracy, Business, Entertainment, History, Social commentary on December 16, 2015 at 12:39 am

On August 31, 2014, the Huffington Post ran a story about trouble in Hollywood, under the headline: “Film Industry Has Worst Summer since 1997.”

Little more than one month earlier–on July 22–a headline in the Hollywood Reporter had offered this insight into moviedom’s current woes: “Average Movie Ticket Price Hits $8.33 in Second Quarter.”

Click here: Average Movie Ticket Price Hits $8.33 in Second Quarter

Movie Theater

It’s hard to think of an industry that’s created a better recipe for self-destruction than the movie business.

Consider the following:

According to Rentrak, a company that keeps tabs on box office profits:

  • Ticket sales to movie theaters in the U.S. and Canada were expected to sink to $3.9 billion by the end of 2014.
  • In July, 2014, movie ticket sales were down 30%.
  • That’s a 15% decline in movie revenues when compared to those racked up during the summer of 2013.
  • For the first time in 13 years, no summer film netted $300 million in domestic ticket sales.

Among the films that disappointed movie studios in summer, 2014:

  • “The Expendables 3″
  • “Planes:  Fire and Rescue”
  • “Amazing Spider Man 2″
  • “Sex Tape”
  • “Sin City: A Dame to Kill For”
  • “Edge of Tomorrow”
  • “Transformers: Age of Extinction”
  • “How to Train Your Dragon 2″

Click here: Film Industry Has Worst Summer Since 1997

Analysts had predicted a drop-off in movie attendance owing to increased use of online streaming. They also expected major television events like the World’s Cup to keep moviegoers indoors.

But they didn’t expect the summer of 2014 to prove the worst in ticket sales since 1997.

Which is outrageous.  The wonder is that the movie business hasn’t collapsed already.

It’s hard to think of an industry more geared toward its own destruction than the movie business.

First, there’s the before-mentioned average ticket price of $8.33.  You don’t have to be an Einstein at math to multiply $8.33 by, say, a husband, wife, and two to four children.

So a couple with two children can expect to spend at least $33.32 just to get into the theater. A couple with four children will be gouged $49.98 for a single movie’s entertainment.

And that’s not including the marked-up prices charged for candy, soda and popcorn at the concession stand.

Second, it’s almost guaranteed that even the biggest potential movie “draw” will be released on DVD or streaming within three to six months after it hits theaters.

So if you need to save enough money each month to meet the rent and other basic needs, you’re likely to wait it out for the DVD to  hit stores.  Wait even longer than six months, and you can probably buy a cheaper used DVD.

With that, you can watch your new favorite movie as many times as you want–without being charged bigtime every time you do so.

This is especially tempting to those with big-screen TVs, whose prices have steadily fallen and are now affordable by almost everyone.

Third, there used to be an unspoken agreement between theaters and moviegoers: We’ll pay a fair price to see one movie.  In return, we don’t expect to see TV-like commercials.

Naturally, that didn’t include previews of coming attractions.  These have been a widely enjoyed part of the movie experience since the 1930s.

But starting in 2003, theaters began aiming commercials at their customers before even the previews came on.  Some industry sources believe cinema advertising generates over $200 million a year in sales.

Click here: Now showing at a theatre near you – Louisville – Business First

But for those who feel they’ve already suffered enough at the ticket booth, being forced to watch TV-style ads is simply too much.

Fourth, while some theaters provide lush seating and special help for their customers (such as closed-captioning for the deaf) many others do not.

At AMC theaters, an onscreen advisory tells you to seek help if you need it.   But your chances of finding an available usher range from slim to none at most theaters.

In fact, only one floor of a multi-storied AMC theater offers a concession stand.  This means that people have to take the elevator down several floors to the second-floor snack bar.

Not many moviegoers are going to lose that much time while watching a movie just to get a second high-priced bag of popcorn.

To sum it up: What was once thought a special experience has become a jarring assault on the pocketbook and senses.

Just as airlines are now widely considered to be “flying buses,” so, too are movie theaters fast becoming expensive TV sets for moviegoers.

In the 1950s and 1960s, theaters lured customers from small-screen TVs with film spectacles like “Ben Hur” and “Spartacus”.”  Or with new “you-are-there” film experiments like Cinnemascope.

“Family-friendly” movies like “Mary Poppins” and “The Sound of Music” proved box-office champs with millions.

But now theaters have allowed their greed–for high ticket prices, quick-release DVDs and/or streaming and TV-style ads–to drive much of their audiences away.

Unless the owners of movie studios–and movie theaters–quickly smarten up, the motion picture business may ultimately became a pale shadow of its former Technicolor self.

THE QUEEN OF GREED

In Bureaucracy, Business, History, Law, Politics, Social commentary on November 27, 2015 at 11:55 am

“Thirty years after her death, Ayn Rand’s ideas have never been more important.

“Unfettered capitalism, unregulated business, bare-bones government providing no social services, glorification of selfishness, disdain for Judeo-Christian morality—these are the tenets of Rand’s harsh philosophy.”

So reads the jacket blurb for Ayn Rand Nation: The Struggle for America’s Soul, by Gary Weiss.

“The timing of this book couldn’t be better for Americans who are trying to understand where in the hell the far-out right’s anti-worker, anti-egalitarian extremism is coming from,” asserts Jim Hightower, New York Times bestselling author of Thieves in High Places.

Ayn Rand Nation introduces us to the godmother of such Tea Party craziness as destroying Social Security and eliminating Wall Street regulation. Weiss writes with perception and wit.”

For those who believe that Rand’s philosophy is the remedy for America’s economic and social ills, a 2013 60 Minutes news story sounds a warning.

New England Compounding Center (NECC) pharmacy, based in Framington, Massachusetts, is under criminal investigation.  The reason: Shipping, in the fall of 2012, 17,000 vials of a steroid to be injected into the joints or spines of patients suffering chronic pain.

But instead of relieving pain, this steroid–contaminated with fungal meningitis–brought only agony and death.

The vials went out to thousands of pharmacies scattered across 23 states.

Forty-eight people have died, and 720 are still fighting horrific infections caused by the drug.

Just as Ayn Rand would have wanted, the pharmacy managed to avoid supervision by the Food and Drug Administration (FDA).

NECC was one of thousands of pharmacies that Congress exempted from FDA oversight. The reason: By law, they are allowed to make custom drugs for just one patient at a time.

But within a few years, NECC went national–and vastly expanded the quantities of drugs produced.

“The underlying factor is that the company got greedy and overextended and we got sloppy, and something happened,” John Connolly, a lab technician for the company, told 60 Minutes, the CBS news magazine.

And, also as Rand would have wanted, the four family members who founded the pharmacy were enriched by it–receiving over $16 million in wages and profits, from December 2011 through November 2012.

Bankruptcy records show the family members racked up $90,000 on corporate American Express credit cards, including charges made after the company shut down in early October.

A month before the first steroid death, Connolly says he warned his supervisor: “Something’s gonna happen, something’s gonna get missed and we’re gonna get shut down.”

His supervisor just shrugged.

NECC was shut down by the authorities.  Barry Cadden, the president and lead pharmacist of the company, was subpoenaed by Congress to testify.  In true gangster fashion, he pleaded the Fifth.

He claimed he didn’t know how the contamination started.

In May, 2015, a federal bankruptcy judge approved the establishment of a $200 million compensation fund for victims of the meningitis outbreak.

This would have outraged Ayn Rand, who believed that greed was sacred–and should not be punished, whatever its consequences.

Which brings us back to Ayn Rand Nation.

Among the themes explored in Weiss’ book:

  • Atlas Shrugged–Rand’s 1957 novel–depicts a United States where many of society’s most productive citizens refuse to be exploited by increasing taxation and government regulations and go on strike. The refusal evokes the imagery of what would happen if the mythological Atlas refused to continue to hold up the world.  The novel continues to influence those who aren’t hard-core Rand followers, who are known as Objectivists.
  • Ayn Rand’s novels dramatically affirm such bedrock American values as independence, creativity, self-reliance, and above all, a permanent distrust of government.
  • In Rand’s 1936 novel, We the Living–set in Soviet Russia–her heroine, Kira Argounova, tells a Communist: “I loathe your ideals; I admire your methods.” Objectivists believe in defending capitalism with the same ruthless methods of Communists.
  • In Rand’s ideal world, government would control only police, armies and law courts.  To her, a   government which performs more than these three functions is not simply impractical or expensive: it is evil.

Many of those who embrace Rand substitute rage for logic: Tea Partiers are furious about the 2008 Wall Street crash, yet they blame the government for it.

(Ironically, in a way, they are right: The government can be blamed–but not for too much regulation of greed-fueled capitalists but too little.)

Weiss asserts that Tea Party members resent the social and economic realities facing the nation, but lack a coherent intellectual framework to help them focus and justify their rage.  But Objectivists have–and offer–such a framework.

Thus, Tea Partiers form the ideological part of the right wing, and the clarity–and fanaticism–of their views gives them a power far out of proportion to their numbers.

Weiss believes that Rand is presenting a moral argument for laissez-faire capitalism, which means eliminating  Social Security, Medicare, public road system, fire departments, parks, building codes–and, above all, any type of financial regulation.

Weiss maintains that Rand’s moral argument must be directly confronted–and defeated–with moral arguments calling for charity and rationality.

Given the fanaticism of Tea Partiers and the right-wing Republicans they support, success in countering Rand’s “I’ve-got-mine-and-the-hell-with-everybody-else” morality is by no means assured.

HUCKSTERS AND STUPIDS

In Business, History, Politics, Social commentary on November 10, 2015 at 10:49 pm

It’s that time of year again–a time of

  • Christmas trees;
  • Nativity scenes;
  • singing carols; and
  • exchanging gifts with family and friends.

Christmas is special, so, each year, the executives at Fox News find a new way to stir up emotions by resurrecting the “war on Christmas” slander.

Stirring up false controversies is a daily assignment for the alleged reporters of this company owned by Right-wing patriarch Rupert Murdoch.

In 2013, it fell to Fox hostess Megyn Kelly to carry the ball. And she did so on December 11 on “The Kelly File,” her popular Fox News program.

Referring to an article by Slate writer Aisha Harris on “Santa Claus Should Not Be a White Man Anymore,” she said:

“When I saw this headline, I kinda laughed and I said, ‘Oh, this is ridiculous. Yet another person claiming it’s racist to have a white Santa.’

“And by the way, for all you kids watching at home, Santa just is white. But this person is maybe just arguing that we should also have a black Santa. But, you know, Santa is what he is, and just so you know, we’re just debating this because someone wrote about it, kids.”

Of course, Santa Claus is a completely fictional character.  Arguing about his skin color is as pointless as arguing about his weight.

Related image

But Kelly wasn’t content to talk only about Santa.  So she turned next to Jesus, a historical figure about whom we have not a single reference to his appearance, let alone a picture.

“Just because it makes you feel uncomfortable doesn’t mean it has to change. You know, I mean, Jesus was a white man, too,” Kelly said.

“He was a historical figure; that’s a verifiable fact–as is Santa, I want you kids watching to know that–but my point is: How do you revise it, in the middle of the legacy of the story, and change Santa from white to black?”

Santa Claus a verifiable historical figure?  Not even Charlie Brown, in the annually telecast “Peanuts” special, would make that claim.

Two years later, it’s Donald Trump who has claimed center-stage in “defending” Christmas. And the target of his ire?  Starbucks.

In years past, its disposable coffee cups have featured snowflakes, winter scenes, reindeer  and Christmas ornaments.

But this year, Starbucks decided to go with a minimalist, all-red design, its only feature being the company’s green and white logo.

This has angered some religious conservatives, who generally care more about symbols than substance.

It’s the old “war on Christmas” mantra all over again. And Trump–who hopes to win evangelical votes in Iowa and South Carolina–is happy to become its biggest cheerleader.

“I guarantee if I become president, we’re going to be saying ‘Merry Christmas’ at every store,” he promised during a campaign rally in October.

Donald Trump September 3 2015.jpg

Donald Trump

Fast forward to November 9, and the Starbucks “controversy.”  Addressing a crowd of several thousands in Springfield, Illinois, Trump said:

“Did you read about Starbucks? No more Merry Christmas on Starbucks.

“I have one of the most successful Starbucks, in Trump Tower. Maybe we should boycott Starbucks? I don’t know. Seriously, I don’t care. That’s the end of that lease, but who cares?

“If I become president, we’re all going to be saying Merry Christmas again, that I can tell you.”

Trump did not explain how he would coerce non-Christian Americans–such as atheists, Jews and Muslims–to observe a Christian holiday.

Those who insist (whether they believe it or not) that Christmas is an endangered species should consider the following:

  • In 2013, the American retail industry generated over three trillion dollars during the Christmas holidays.
  • These holiday sales reflected about 19.2% of the retail industry’s total sales that year.
  • More than 768,000 temporary employees were hired throughout the United States to help stores cope with the holiday rush.
  • American consumers expected to spend about $704 on average on Christmas gifts.
  • There is no reference anywhere in the Bible to the month–let alone the day–of Jesus’ birth.
  • Jesus never commanded his followers to celebrate his birth–but he did call on them to remember his death.
  • Many of the “religious” traditions associated with Christmas stem from the pagan Roman festival, Saturnalia, which celebrated the “birthday” of the sun.
  • This was celebrated from December 17-25.
  • Saturnalia traditions included feasting, gift-giving, lighting candles (to ward off evil spirits) and displaying wreaths (as a sign of coming spring).
  • Early Christians tried mightily to convince their members to stop celebrating the Saturnalia.
  • When these efforts failed, the Roman Catholic Church, in the fourth century, “Christianised” the festival by naming Saturnalia’s concluding day, December 25, as Jesus’ birthday.

In George Orwell’s classic novel, 1984, Oceania is always at war with Eurasia or Eastasia.  Its citizens are kept in a constant state of frenzy as they’re directed to search for endless “enemies of the state.”

This, in turn, allows the unseen rulers of Oceania to run their dictatorship without interference.

It’s a lesson well-known to hucksters like Donald Trump and the men who run Fox News.

HAVE YOURSELF A PC HALLOWEEN

In Bureaucracy, Business, Social commentary on October 30, 2015 at 12:01 am

Halloween isn’t just for kids anymore.

This year, about 70% of Americans will participate in Halloween, and will spend $7.4 billion. Yes, that’s with a “b”.

This huge avalanche of funds will go on such items as candy, costumes and decorations.

Halloween candy alone has run up a $2 billion tab every Halloween for the past three years.

And $350 million will go for pet Halloween costumes.

Spending on Halloween has risen by more than 55% since 2005.

Here’s how those expenses break down:

Costumes – 38%

Cards – 5%

Decorations – 27%

Candy – 27%

Click here: Wait, Americans Spend How Much on Halloween? – The Atlantic

Those putting out this avalanche of money will, of course, be adults.  And a lot of those costumes will be worn by adults at parties across the nation.

This will be especially true in San Francisco.

In 1979, Halloween in its Castro District shifted from being a children’s event to a celebration among homosexuals.

The massive crowds quickly overwhelmed the streets, mass transit and due to the Castro’s location along two major transport corridors, disrupting traffic flow well outside the neighborhood.

In 2002, 500,000 people celebrated Halloween in the Castro and four people were stabbed.

It continued to grow into a massive annual street party until 2006, when a shooting wounded nine people and prompted the city to call off the event.

In 2007, 600 police were deployed in the Castro on Halloween.  By 2010, San Francisco had banned the event in the Castro, directing celebrants to various balls and parties elsewhere.

But there’s another force working to suppress Halloween joy among its participants: Political Correctness.

A recent article in Anaswers.com offers Politically Correct advice on how to enjoy Halloween–without hurting the Politically Correct sensitivities of almost every group imaginable.

Click here: Top 15 Major Halloween No-No’s – Answers.com

For example:

Adolf Hitler:  “There should be no need to explain why a Hitler costume is wrong. It’s offensive and upsetting to many people, especially those who survived the Holocaust and those who lost family members to it.”

Homeless Persons:  “Dressing kids up as hobos used to be cute, but now it is a no-no. It is rude to the growing homeless population in America, which includes people of all walks of life and all economic profiles.”

Illegal Alien: “Making light of the issues America faces with the constant deluge of illegal immigrants crossing the borders is not politically correct, and it’s disrespectful to the people attempting to cross the borders, or even those who immigrated legally.”

Terrorist: “With terrorism hitting the news 24/7, it is never okay to dress as a terrorist. Even worse, some parents allow their kids to dress this way.”

Others on the list of groups that Answers.com believes it’s Politically Incorrect to dress up as include:

  • Blacks (if you’re white)
  • Plane crash victims
  • Michael Brown (the thug whose shooting by a Ferguson, Missouri cop has touched off race riots)
  • “Dirty Mexicans” (features a picture of a woman wearing a mariachi outfit and a man sporting a sombrero, serape and drooping moustache)
  • Dead Steve Irwin (the publicity-hungry “Crocodile Hunter” who died when he got too close to a manta ray and it put a stinger through his chest)
  • Christopher Reeve (the “Superman” actor who was paralyzed from a horse fall, wearing a large white neck brace)
  • Pimp (“Glamorizing this type of person is offensive to all the women who get stuck in that vicious world”)
  • Naughty Priest/Nun (“It is offensive to anyone stuck in the middle of all the church scandals that became big news in the ’90s and 2000s”)

If you follow the guidelines of this article, you might as well skip Halloween altogether.

So, if you subtract all the costumes that Politically Correct mavens say you shouldn’t wear, here’s what you end up with:

DON’T DRESS UP AS:

  • Hobos, because it will hurt the feelings of bums who won’t be attending Halloween parties anyway.
  • Adolf Hitler, because you’ll offend anyone who survived the Holocaust.  (The same could be said for any actor who portrays Hitler in a movie, such as Downfall or The Bunker.)
  • Terrorists, because you might upset Islamics, who make up the vast majority of the world’s terrorists.
  • Illegal aliens, because it’s not nice to spotlight people who constantly violate the immigration laws of the United States.
  • Naughty priests, because it’s offensive to mock religious hypocrites who violate the bodies of children.

This list is potentially endless.

Yet no one objects to

  • Children–or adults–dressing up as pirates like Blackbeard, who once terrorized the oceans as modern-day terrorists menace the world;
  • Those who dress up like skeletons–when almost everyone has lost a friend or family member to death;
  • Those who dress up as witches, who have been associated with evil for hundreds of years;
  • Those who dress up as Satan–the literal personification of evil for millions of Christians, Jews and Muslims.

The whole idea of Halloween is to momentarily step into a character that’s utterly different from you.

So if you are a terrorist, try dressing up at Halloween as Dr. Albert Schweitzer or Florence Nightingale.

A LABOR DAY REMINDER: CEO GREED VS. EMPLOYEES’ NEED

In Bureaucracy, Business, History, Law, Politics, Social commentary on September 7, 2015 at 12:57 am

John Schnatter, the CEO of Papa John’s Pizza, doesn’t like the Affordable Care Act (ACA), better known as Obamacare.

And Schnatter bluntly warned his employees: When the Act took effect, Papa John’s Pizza would change in two ways.

First, it would be forced to do something it hadn’t done since its founding in 1984: Offer healthcare coverage to its 16,5000 employees or pay a penalty to the government.

Second, it would raise the prices of its pizzas.

John Schnatter

How high would they go up?

By as much as eleven to fourteen cents price increase per pizza, or fifteen to twenty cents per order!

And Schnatter made it clear: He wasn’t going to take this lying down.  He was determined to pass along those costs to his customers.

“If Obamacare is in fact not repealed,” Schnatter told Politico, “we will find tactics to shallow out any Obamacare costs and core strategies to pass that cost onto consumers in order to protect our shareholders’ best interests.”

After all, why should a multi-million-dollar company show any concern for those who make its profits a reality?

Consider:

  • Papa John’s is the third-largest pizza takeout and delivery chain in the United States.
  • Its full year 2014 revenues were $1.60 billion, an increase of 11.1% from 2013 revenues of $1.44 billion.
  • Its full year 2014 net income was $73.3 million, compared to 2013 net income of $69.5 million.

Click here: Papa John’s Announces Fourth Quarter and Full Year 2014 Results (NASDAQ:PZZA)

Nor should anyone expect Schnatter to take a pay cut, just so his employees can obtain medical care when they need it.

Schnatter’s total calculated compensation for 2014 came to $3,456,146.

Click here: John H. Schnatter: Executive Profile & Biography – Businessweek

“We’re not supportive of Obamacare, like most businesses in our industry,” Schnatter–a supporter of Republican Presidential candidate Mitt Romney–admitted in a 2012 interview with Politico.

To demonstrate his opposition to providing medical insurance for all Americans, Schnatter hosted a fundraising event for Mitt Romney at his own Louisville, Kentucky mansion in May, 2012.

The luxurious setting for the fundraiser gave Romney a rush of pure, plutocratic ecstasy.

“What a home this is,” gushed Romney. “What grounds these are, the pool, the golf course.

“You know, if a Democrat were here he’d look around and say no one should live like this. Republicans come here and say everyone should live like this.”

John Schnatter’s estate

Of course, Romney conveniently ignored a brutally ugly fact:

For the vast majority of Papa John’s minimum-wage-earning employees–many of them working only part-time–the odds of their owning a comparable estate are non-existent.

In a typical demonstration of corporate thinking, Judy Nichols, a Papa John’s franchise owner in Beaumont, Texas, said:

“I have two options, I can stop offering coverage and pay the $2,000 fine, or I could keep my number of staff under 50 so the mandate doesn’t apply,” she told Legal Newsline.

In short: Defy the law, and employee helathcare needs be damned.

In fact, that’s exactly what Schnatter announced he would do: Reduce his workers’ hours–since Obamacare mandates that only employees working more than 30 hours per week are covered under their employers’ health insurance plan.

Nichols claimed that the the law might cost her $20,000 to $30,000 in taxes: “Obamacare is making me think about cutting jobs instead,” she said.

Translation: If you force me to behave responsibly, I’ll just have to take it out on millions of willing-to-work Americans.

So how can America cope with behavior that destroys not only lives but the economy as well?

By passing–and vigorously enforcing–a nationwide Employers Responsibility Act.

Among its provisions:

Employers would be required to provide full medical and pension benefits for all employees, regardless of their full-time or part-time status.

Increasingly, employers are replacing full-time workers with part-time ones—solely to avoid paying medical and pension benefits.

Requiring employers to act humanely and responsibly toward all their employees would encourage them to provide full-time positions—and hasten the death of this greed-based practice.

The seeking of “economic incentives” by companies in return for moving to or remaining in cities/states would be strictly forbidden.

Such “economic incentives” usually:

  1. allow employers to ignore existing laws protecting employees from unsafe working conditions;
  2. allow employers to ignore existing laws protecting the environment;
  3. allow employers to pay their employees the lowest acceptable wages, in return for the “privilege” of working at these companies; and/or
  4. allow employers to pay little or no business taxes, at the expense of communities who are required to make up for lost tax revenues.

Employers who continue to make such overtures would be prosecuted for attempted bribery or extortion:

  1. Bribery, if they offered to move to a city/state in return for “economic incentives,” or
  2. Extortion, if they threatened to move their companies from a city/state if they did not receive such “economic incentives.”

This would

  • protect employees against artificially-depressed wages and unsafe working conditions;
  • protect the environment in which these employees live; and
  • protect cities/states from being pitted against one another at the expense of their economic prosperity.

It’s past time for America to protect employees who work for a living from CEOs who simply take credit for the work those employees do.

TURNING PREDATORS INTO PATRIOTS: PART THREE (END)

In Bureaucracy, Business, History, Law, Politics, Social commentary on September 2, 2015 at 12:04 am

The last seven provisions of a nationwide Employers Responsibility Act would read as follows:

(9) Employers refusing to hire would be required to pay an additional “crime tax.”

Sociologists and criminologists agree that “the best cure for crime is a job.” Thus, employers who refuse to hire contribute to a growing crime rate in this Nation. Such non-hiring employers would be required to pay an additional tax, which would be earmarked for agencies of the criminal justice system at State and Federal levels.

(10)  The seeking of  “economic incentives” by companies in return for moving to or remaining in cities/states would be strictly forbidden.

Such “economic incentives” usually:

  1. allow employers to ignore existing laws protecting employees from unsafe working conditions;
  2. allow employers to ignore existing laws protecting the environment;
  3. allow employers to pay their employees the lowest acceptable wages, in return for the “privilege” of working at these companies; and/or
  4. allow employers to pay little or no business taxes, at the expense of communities who are required to make up for lost tax revenues.

 

(11)   Employers who continue to make such overtures would be prosecuted for attempted bribery or extortion:

  1. Bribery, if they offered to move to a city/state in return for “economic incentives,” or
  2. Extortion, if they threatened to move their companies from a city/state if they did not receive such “economic incentives.”

This would protect employees against artificially-depressed wages and unsafe working conditions; protect the environment in which these employees live; and protect cities/states from being pitted against one another at the expense of their economic prosperity.

(12)   The U.S. Departments of Justice and Labor would regularly monitor the extent of employer compliance with the provisions of this Act.  

Among these measures: Sending  undercover  agents, posing as highly-qualified job-seekers, to apply at companies—and then vigorously prosecuting those employers who  blatantly refused to hire despite their proven economic ability to do so.

This would be comparable to the long-time and legally-validated practice of using undercover agents to determine compliance with fair-housing laws.

(13)   The Justice Department and/or the Labor Department would be required to maintain a publicly-accessible database on those companies that had been cited, sued and/or convicted for such offenses as

  • discrimination,
  • harassment,
  • health and/or safety violations or
  • violating immigration laws. 

Employers would be legally required to regularly provide such information to these agencies, so that it would remain accurate and up-to-date. 

Such information would arm job applicants with vital information about the employers they were approaching.  They could thus decide in advance if an employer is deserving of their skills and dedication.

As matters now stand, employers can legally demand to learn even the most private details of an applicant’s life without having to disclose even the most basic information about themselves and their history of treating employees.

(14)   CEOs whose companies employ illegal aliens would be held directly accountable for the actions of their subordinates.  Upon conviction, the CEO would be sentenced to a mandatory prison term of at least ten years.

This would prove a more effective remedy for controlling illegal immigration than stationing tens of thousands of soldiers on the U.S./Mexican border. With CEOs forced to account for their subordinates’ actions, they would take drastic steps to ensure their companies complied with Federal immigration laws.

Without employers eager to hire illegal aliens at a fraction of the money paid to American workers, the invasions of illegal job-seekers would quickly come to an end.

(15)   A portion of employers’ existing Federal taxes would be set aside to create a national clearinghouse for placing unemployed but qualified job-seekers.

* * * * *

For thousands of years, otherwise highly intelligent men and women believed that kings ruled by divine right.  That kings held absolute power, levied extortionate taxes and sent countless millions of men off to war–all because God wanted it that way.

That lunacy was dealt a deadly blow in 1776 when American Revolutionaries threw off the despotic rule of King George III of England.

But today, millions of Americans remain imprisoned by an equally outrageous and dangerous theory: The Theory of the Divine Right of Employers.

Summing up this employer-as-God attitude, Calvin Coolidge still speaks for the overwhelming majority of employers and their paid shills in government: “The man who builds a factory builds a temple, and the man who works there worships there.”

America can no longer afford such a dangerous fallacy as the Theory of the Divine Right of Employers.

Americans did not win their freedom from Great Britain–-and its enslaving doctrine of “the divine right of kings”-–by begging for their rights.

And Americans will not win their freedom from their corporate masters–-and the equally enslaving doctrine of “the divine right of employers”–by begging for the right to work and support themselves and their families.

Corporations can–and do–spend millions of dollars on TV ads, selling lies–lies such as the “skills gap,” and how if the wealthy are forced to pay their fair share of taxes, jobs will inevitably disappear.

But Americans can choose to reject those lies–and demand that employers behave like patriots instead of predators.

TURNING PREDATORS INTO PATRIOTS: PART TWO (OF THREE)

In Bureaucracy, Business, History, Law, Politics, Social commentary on September 1, 2015 at 1:09 am

Kenneth Fisher, the billionaire CEO-owner of Fisher investments, isn’t worried that America doesn’t have enough jobs for its millions of willing-to-work unemployed.

On the contrary: He–and no doubt many other wealthy CEOs–believe there are too many jobs as it is.

Related image

But for those who are unable to find willing-to-hire employers–or to find employers willing to hire at a living wage–the situation looks different.

This situation, however, does not have to remain this way.

A solution lies at hand–provided Americans are willing to see corporate treason for what it is and to punish it accordingly.

That solution can be summed up as follows: A nationwide Employers Responsibility Act.

Among its provisions:

(1) American companies that close plants in the United States and open others abroad would be forbidden to sell products made in those foreign plants within the United States.

This would protect both American and foreign workers from employers seeking to profit at their expense. American workers would be ensured of continued employment. And foreign laborers would be protected against substandard wages and working conditions.

Companies found violating this provision would be subject to Federal criminal prosecution. Guilty verdicts would result in heavy fines and lengthy imprisonment for their owners and top managers.

(2) Large companies (those employing more than 100 persons) would be required to create entry-level training programs for new, future employees.

These would be modeled on programs now existing for public employees, such as firefighters, police officers and members of the armed services.

Such programs would remove the employer excuse, “I’m sorry, but we can’t hire you because you’ve never had any experience in this line of work.” After all, the Air Force has never rejected an applicant because, “I’m sorry, but you’ve never flown a plane before.”

This Nation has greatly benefited from the humane and professional efforts of the men and women who have graduated from public-sector training programs. There is no reason for the private sector to shun programs that have succeeded so brilliantly for the public sector.

(3) Employers would receive tax credits for creating professional, well-paying, full-time jobs.

This would encourage the creation of better than the menial, dead-end, low-paying and often part-time jobs which exist in the service industry. Employers found using such tax credits for any other purpose would be prosecuted for tax fraud.

(4)  A company that acquired another—through a merger or buyout—would be forbidden to fire en masse the career employees of that acquired company.

This would be comparable to the protection existing for career civil service employees. Such a ban would prevent a return to the predatory “corporate raiding” practices of the 1980s, which left so much human and economic wreckage in their wake.

The wholesale firing of employees would trigger the prosecution of the company’s new owners. Employees could still be fired, but only for provable just cause, and only on a case-by-case basis.

You’re Fired!
You’re Prosecuted!

(5)  Employers would be required to provide full medical and pension benefits for all employees, regardless of their full-time or part-time status.

Increasingly, employers are replacing full-time workers with part-time ones—solely to avoid paying medical and pension benefits.

Requiring employers to act humanely and responsibly toward all their employees would encourage them to provide full-time positions—and hasten the death of this greed-based practice.

(6) Employers of part-time workers would be required to comply with all federal labor laws.

Under current law, part-time employees are not protected against such abuses as discrimination, sexual harassment and unsafe working conditions. Closing this loophole would immediately create two positive results:

  • Untold numbers of currently-exploited workers would be protected from the abuses of predatory employers; and
  • Even predatorily-inclined employers would be encouraged to offer permanent, fulltime jobs rather than only part-time ones—since a major incentive for offering part-time jobs would now be eliminated.

(7) Employers would be encouraged to hire to their widest possible limits, through a combination of financial incentives and legal sanctions. Among those incentives:

Employers demonstrating a willingness to hire would receive substantial Federal tax credits, based on the number of new, permanent employees hired per year.

Employers claiming eligibility for such credits would be required to make their financial records available to Federal investigators. Employers found making false claims would be prosecuted for perjury and tax fraud, and face heavy fines and imprisonment if convicted.

(8) Among those sanctions: Employers refusing to hire could be required to prove, in court:

  • Their economic inability to hire further employees, and/or
  • The unfitness of the specific, rejected applicant.

Companies found guilty of unjustifiably refusing to hire would face the same penalties as now applying in cases of discrimination on the basis of age, race, sex and disability.

Two benefits would result from this:

  1. Employers would thus fund it easier to hire than to refuse to do so; and
  2. Job-seekers would no longer be prevented from even being considered for employment because of arbitrary and interminable “hiring freezes.”