Healthcare Industry Hardest Hit

According to a report from the Ponemon Institute, the cost of a lost or stolen record in the healthcare industry is over double that of other industries. Security Week reports that cost to be $363 as opposed to the average of $154, with the average breach having a total cost of $3.8 million. This has led the online magazine for Internet and enterprise security news to report the headline “Data Breach Costs Rise, Healthcare Industry Hardest Hit”.

But what is driving this massive increase in security breaches and their cost in this vital industry? As with many industries, it is the adoption of technology and human interaction with that technology that is creating new challenges.

Healthcare is Becoming Digital

The Health Information Technology for Economic and Clinic Health Act, passed by congress in 2009, encourages healthcare providers to digitize records. While good news for patients who will ideally be able to access their medical records from anywhere in the world, this process is not only increasing the volume of digital records, it is increasing the number of endpoints required to manage them. Advances in technology are putting a mobile device in every caregiver’s hands, but this is putting great strain on healthcare provider IT teams to keep up with a constant barrage of attacks on these endpoints by viruses and malware deployed by cybercriminals hoping to gain access to sensitive information.

Providers are Retaining Sensitive Patient Data

And speaking of sensitive information, gone are the days when your doctor knew your medical history from memory and kept a back-up copy in a file folder behind the reception area. Today, with electronic billing and digitized healthcare records, more and more sensitive patient data is being retained on networked computer systems. This has made healthcare provider infrastructure an attractive target for cybercriminals.

It’s Getting Cloudy (and Mobile-y)

InformationWeek predicts that by 2020, 80% of healthcare data will pass through the cloud at some point in its lifetime. Patients are becoming more technologically savvy and that means the use of mobile apps to access healthcare systems and records. Providers can only be so vigilant with the implementation of cloud security and BYOD policies because all it takes is one compromised device for a significant breach to occur.

We’re Only Human

While healthcare providers can secure systems and put all of the “detect and respond” technology they can buy in place, one of the biggest threats to their security is the very thing that makes them great – their employees. Providing healthcare to large numbers of patients can result in a very fast-paced and stressful environment. Workers can suffer from fatigue and distractions. This can lead to disaster since all it takes is one wrong click on one malicious link to compromise an entire infrastructure.

A Solution to All of These Challenges

I mention “detect and respond” solutions because while being mildly effective at alerting healthcare infrastructure administrators to attacks AFTER they happen, these traditional antivirus and malware detection solutions will never PREVENT the attacks that come as a result of these new healthcare industry technology challenges. Only a “preventive” solution that scans and detects the characteristics of files to locate potentially malicious files BEFORE they execute will guard against these new challenges.

For this reason, healthcare providers should seek a solution that uses an artificial intelligence and algorithmic science engine to scan every file on every endpoint in their healthcare infrastructure instead of one that simply alerts them once a breach has occurred. By deploying such a solution, healthcare providers can truly secure every endpoint in their infrastructure. This means regardless of whatever “detect and respond” solutions they have in place, no matter how many digital records their team processes, and no matter how many times employees click on something they shouldn’t, a “preventive” solution will have them covered because files are quarantined BEFORE they execute, stopping threats BEFORE they can do damage.

Photo by Darko Stojanovic via Pixabay

Guess What? Less Than 1/3 Of You Are Going To Get To Keep Your Plan You Liked.....Whoops!

Here is the bottom line - Obamacare said over and over again that if you liked your current plan, you got to keep it, right? I know I am not the only one that heard him say that. We all know that we all heard him say that.

Here is the thing, though: the only way that you can ACTUALLY keep your plan is if you have a plan today that has not changed in any "significant" way - deductible, co-pay, benefits - otherwise, your plan becomes subject to the new Obamacare minimum coverage requirement, and if it does not meet those new minimum requirements, guess what? You don’t get to keep that plan after all.

Original estimates that were out while Obamacare was still saying that you could keep your plan stated that up to 67% of you were not going to get to keep your plan. Today's estimates are now stating that it could be as many as 80% of you who will get a policy cancellation notice within the first year of Obamacare.

It is what it is, and we are where we are now, but you have to admit that whole “you can keep your plan” line was a complete and total lie for over 2/3 of the people who were supposedly going to be able to keep their plan, and maybe even more people than that. Oh, and to make it worse, not only are you going to lose your plan, the plan that you have to buy instead is going to cost you up to twice as much. Welcome to Obamacare's America.

Oh, and for anyone who wants to brush this off as being the reporting of crazy right-wingers, here's an excerpt from an NBC investigation:

Buried in Obamacare regulations from July 2010 is an estimate that because of normal turnover in the individual insurance market, “40 to 67 percent” of customers will not be able to keep their policy. And because many policies will have been changed since the key date, “the percentage of individual market policies losing grandfather status in a given year exceeds the 40 to 67 percent range.”  

That means the Obamacare administration knew in July 2010 that more than 40 to 67 percent of those in the individual market would not be able to keep their plans, even if they liked them. 

Yet President Obamacare, who had promised in 2009, “if you like your health plan, you will be able to keep your health plan,” was still saying in 2012, “If [you] already have health insurance, you will keep your health insurance.”

“This says that when they made the promise, they knew half the people in this market outright couldn’t keep what they had and then they wrote the rules so that others couldn’t make it either,” said Robert Laszewski, of Health Policy and Strategy Associates, a consultant who works for health industry firms.

Taxation Without Representation Across Time

We continually hear from politicians and political commentators that they are worried about the debt and other problems that we are currently creating for future generations.

I was thinking today that while that is a valid concern, we ourselves are already part of a “future” generation that is saddled with the legislation of the past.

I didn’t vote to elect the people that passed the laws that enacted things like the income tax, social security, and medicare, yet I am impacted by those laws every other week when I send a nice chunk of the money I have worked for to the federal government to blow a good chunk of on stupid, wasteful spending.

The biggest problem with this is that I have no way to go back in time to see how things were before income tax, social security, and medicare were enacted.

Is the country a better place with these things in place? I’ll never know firsthand and for sure, will I? Well, at least not until one of us builds a time machine and starts selling tickets.

Just as I am sure that a baby born tomorrow will feel taxed without representation when they are forced to have healthcare coverage whether they like it or not when they roll off mommy and daddy's plan at the young age of 26, I sit here today, feeling that I was taxed without representation when the income tax, social security and medicare were passed long before I was born.

What Abercrombie & Fitch Should Be Teaching Us About America

There’s been a bit of a fabricated buzz in the news about Abercrombie & Fitch that has been going on for a while, and I thought I’d chime in, because, hey, if there is anything I am an expert on it is hip (is that word cool again? – Sorry, still cannot bring myself to use the word “sick” because frankly, I am too old to use that word) fashion for teens, young adults, college kids, older people trying to look younger, etc.

First off, let me say that the biggest and only role Abercrombie has played in my life is the raised eyebrow I gave to how close and friendly the dudes in their ads and those huge pictures at the entrance to their stores always seemed and how hard I laughed when Saturday Night Live finally made fun of them for those ads and pictures. I have never stepped foot in one of their stores (frankly, they are too loud and smelly), would never invest in the company (unless it was in a fund, of course), and honestly would never want to do work for them, but I am here today to do something that you might not have thought I would do…defend them…defend their right as Americans and an American business to sell whatever they want, market to whoever they want, not sell whatever they want, not market to whoever they want, and to be as biased and condescending as they want to be.

Get to 315 pounds and then go out and try to find clothes, worse yet, clothes at a reasonable, non-full-retail price. It is not easy in the least bit! Now that I am back down to about 260, it’s still not that easy, but trust me, it’s getting easier as I get smaller. But, where does it say that I have a right to find what I want in my size, and it is up to society, the government, activists, and whiners to force businesses out there to manufacture and sell the clothes that I want in my size? I believe it does not say that anywhere, nor should it.

We have a wonderful free-market system that allows you, the consumer, to buy what you want, and the businesses that you buy from to sell what they want as long as it meets certain safety standards, and I personally think that is a great system. If Abercrombie doesn’t sell clothes in my size, then hey, they don’t get my money. If Abercrombie wants to come out and say they don’t want fat or unattractive skinny people in their stores, then they have a right to say it, just as you have a right as a fatty or unattractive skinny person, or any person for that matter, to not spend money in their stores if you don’t like what they are saying. You also have a right, like I am exercising here, to open your mouth and get the word out about what you think of it so others can get on board and be aware of how a company like Abercrombie actually thinks and the values that the company represents.

Does Abercrombie have a right to sell only sizes “God, you look like a skeleton, please eat something” on up through “Holy crap, you’re a size 10 and the size of a house so you should never eat again”? Yes, they do. Does Abercrombie have a right to say that they only want certain types of people in their stores? Here in America, I honestly think they do, and should have that right. Do they have a right to sell shirts that say, “Blondes are adored, brunettes are ignored” or “Do I make you look fat?” They sure do, and they should. Do I have a right as fat and someone who prefers brunettes to never shop there, and ask other people to never shop there? I sure do, just like I still have a right to tell everyone in the world to never buy anything from Jennifer Convertibles because they hosed me on some tables I bought one time.

Do I have a right to loop Abercrombie in together with a guy that is selling t-shirts that say, “Hitler is Great!”? I sure do. If you’re concerned enough that you want to stand outside an Abercrombie store and hand people walking in a copy of a news story or transcript from the CEO’s interview in which he said, “A lot of people don’t belong [in our clothes], and they can’t belong. Are we exclusionary? Absolutely,” should you be able to do so? Absolutely, you should be able to – just remember to bring a filter mask for that horrible cologne-y smell and some earplugs if you don’t like club music! Does their CEO have a right to say what he said in that interview and steer the business in that direction? Here in America, he does, and he should.

Now, I know where you are going, loyal reader…You are about to quote Helen Lovejoy and say, “Think of the children! Won't somebody please think of the children?!” I think this Abercrombie story and the company’s stance is, in fact, a great lesson for your children. It is a lesson in the rights of individual liberties, diversity, economics, morality and the free market system.

We should be using this story to teach children that when you grow up, life is not necessarily going to be fair. Not everyone wins, not everyone gets a trophy, and not everyone gets to wear #1 on their jersey – only one guy on the team gets that number. It is a lesson that some people are skinny, some people are fat, some people are tall, some people are short, some people are considered to be gorgeous and some people are considered to be far-from-gorgeous, but that all of these judgments can either affect their lives, or not affect their lives.

It is a great lesson that some people are kind and considerate to everyone, and other people are frankly, just self-centered asses. It is a lesson in being responsible for your own life and not forcing people to live your way, or feeling that you have to be responsible for and control the lives of others. It is a lesson in the fact that we as consumers have the power to use our dollars as we see fit, and we as Americans have the right to free speech, no matter how hate-filled or stupid, or benevolent and intelligent the things we might say turn out to be. But most of all, it is a lesson in the ideas that America was founded upon, and the rights that we as Americans are assured by the greatest combination of liberty, democracy and capitalism that the world has ever seen.

So, shop at Abercrombie if you’re small enough to fit into their clothes and don’t mind their philosophy and values. You won’t get any flak from me for doing so. Hey, more power to you. But, when you’re wearing one of their shirts and the uglies, the fatties, the non-trendies, the un-cool moms, the un-cool dads, the old-folks, and the like, are snickering at you, don’t get mad at them. They have just as much of a right to protest against Abercrombie as you do to shop there.

Happy Two Days Before Black Friday!

You know when I don’t work? Nights and weekends. Well, actually I do, but I’m not required to go into the office at that time. You know why, America? Because I found a job that doesn’t require me to go into work on nights and weekends. You know why I found a job like that? Because I used to have jobs that required me to go in on nights and weekends, and I didn’t like that so much.

Yet, as Black Friday grows near, I am seeing news reports and reading articles about a lot of the folks who work in retail during the holiday season complaining about having to work long hours, nights and weekends, and in particular, during the later hours of Thanksgiving Day, and frankly, I am puzzled.

I’m not trying to be heartless here, but the plight of these folks takes me back to my thoughts on the debate about working part-time at Wal-Mart with no health insurance. At any point when you were applying for the job did they tell you that you were going to have health insurance, then all of the sudden, take it away? No, they did not. I am sure they told you all along that your part-time job at Wal-Mart did not come with health insurance. So, why, then, are you sitting there with a part-time job at Wal-Mart, surprised that you do not have health insurance?

You work in retail. That is the job you have. For whatever reason, that is a fact of your life. And in case you are wondering, I spent the first three years of my working life in retail, full-time while going to high school, and even had to join a union for my first job, so that’s where I get off talking about working in retail.

The store at which you work is open on Black Friday. You can’t, at this point, sit there and be surprised that the store wants you to work crazy hours on Black Friday. Are you going to honestly tell me that you didn’t see that coming? 

You work in retail, yet somehow do not understand what Black Friday is, and never took notice that the starting gates open earlier and earlier each year? You are still somehow surprised? Really? The 5:00 AM sale that became the 4:00 AM sale that became the 3:00AM sale? You didn’t see where that was going?

Ask all the folks who are not in retail about a job that requires them to work crazy hours once or twice a year, and trust me, you probably won’t get a lot of sympathy from them. Just to clarify what I am getting at, most of us non-retail employees, especially those on salary instead of hourly, end up having to work crazy hours more than once or twice a year.

Ask us about overtime pay and our 15 minutes breaks throughout the day too, so we can laugh at you. Do I even need to bring up the whole you work in retail and are lucky to be one of the 85% of people who do that actually still have a job in this economy?

And don’t get me wrong, I get it’s a holiday. I missed many a holiday, birthday, etc., when I was working retail, but I also understood that it was part of the job I had at the time. Again, you can’t take a job working retail and be surprised when you are working nights, weekends and holidays.

And while I’m on the soapbox, I have a little message for the consumers who are complaining on behalf of these retail workers. Really? So, year after year, you buy into the whole Black Friday concept, allowing these retailers to bait you into the store in deplorable, dangerous, and in some cases, deadly conditions, allow them to bait you into stampeding over each other to save some money on let’s face it, crap you don’t need to survive anyway, yet you draw the line at the store making employees miss part of Thanksgiving Day so they can work that night? If there was no one willing to show up to shop at 10:00 PM on Thanksgiving, the stores wouldn’t be opening at that time, so consumers are in no position to complain about when the stores are opening.

Again, America, we cannot sit here and be surprised that this year some of our largest retailers are opening as early as 10:00 PM on Thanksgiving night, expecting their employees to work, and expecting consumers to come in, risking life and limb, to save some money on all the stuff that they simply cannot live without. Like you didn’t see that one coming, America.

Why I Won't Be Crossing Picket Lines This Time Around During The Grocery Workers' Strike

Here we go again with the grocery workers’ strike, Southern California.

Grocery workers are set to strike against the very places that are crazy enough to hire union workers: Albertson’s, Ralph’s and Vons. Remember how it was last time? Stater Brothers was packed, the smaller independent stores saw a great uptick in business that they are still enjoying today, and people crossing picket lines to buy food for their families with their hard-earned money, or people who were out of work who were crossing picket lines to earn some money, were being accosted by the people who just weeks earlier were thanking them for shopping at that very store and telling them to have a nice day.

This time around, with higher unemployment rates and company revenues down across the board, it could get even nastier and last even longer. The stores are offering compromises, but of course, the unions exclaim that none of the compromises are good enough for their members. The members have voted to strike and it seems like it is only a matter of time until they do.

I, too, once worked for one of these union shops and was a member of this very union. Granted, it was over two decades ago, and the most I could take working there was six months, but my very first job was working at the Lucky’s at Seacliff Village in Huntington Beach as a box boy, making minimum wage, working full-time at a part-time job without any benefits, bagging groceries, lifting boxes, sweeping and mopping floors, and shoveling broken glass to empty the recycling machines.

I had just turned 15 and needed money for a car, car insurance, not eating at home, taking girls out on dates, of course, and to put some money away to pay for college. I didn’t think much of it at the time, but when they hired me, they told me that I was going to need to join the union, but explained to me that this was a good thing. But, I didn’t think it was much of a good thing when my first paycheck of $137 was in my hand and $84 of it went to pay my initial union dues.

With that initial chunk of my money in the hands of the union bosses and with two trips to Buena Park to vote in mandatory union votes under my belt, working a very laborious job at minimum wage with no benefits, within six months, I was ready to move on. I left that union job at Lucky’s and I never looked back.

I took note when Lucky’s was bought by Albertson’s and I took note every time the grocery workers were rattling their swords at the evil bastards that employed them, but it really wasn’t until the last strike which lasted 141 days over 2003 and 2004 that I really paid close attention to what was going on.

Really, that was the first strike I had any personal involvement in, if you will. I wasn’t on the picket line, and in fact, at the time, was out on my own at an independent shop I partially owned, but I did come in contact with those picket lines and I did hear about some of the nasty stuff that was going on when people were crossing them. It is this legacy of intimidation and scare tactics laid on shoppers by the union and some of its members that I remember most about their last strike.

The six months I spent working at Lucky’s remains my one and only union job to date. So, in 2003 when the last strike began, other than having to see my grandfather who paid into a union most of his adult life have to fight that very same union for his pension money because he wanted to keep working in retirement, and the basic working knowledge of unions that I learned from unionized teachers that weren’t really all that stellar, I still had a pretty clean slate when it came to unions. Over the coming 141 days, however, that would greatly change.

I moved to Aliso Viejo in 2002, and that is when I started shopping at Ralph's. When the strike began just over a year later, we started doing more of our shopping at Wal-Mart and starting buying what we could not get there at Stater Brothers. There were a couple of times early on in the strike that I crossed the picket line to shop at Ralph's to get something in particular that I wanted that only Ralph’s had, and one time, I even drove to Ralph’s without thinking and just said screw it and went inside because I didn’t want to drive somewhere else. I also had a friend who cleaned up, making a lot of money working long hours at a Ralph's during that strike who I went to see at the store a couple of times. I even considered earning a little extra money there myself, though I never went through with it. Admittedly, though, I still felt comfortable enough crossing the picket line in those early days of the strike. Some of the people on the lines glared at you a little bit, but others were very polite.

But, as the strike lingered on and people burned through their savings instead of working, coming to the realization that the strike was going to be a lot longer than they figured when they voted for it, those picket lines started to get a little nasty.

Then, once it was reported that a woman was actually accosted at the Ralph’s I shopped at as she was walking into the store with her children, I learned my lesson - cross that picket line at your own physical risk.

But, I guess that was the point they were trying to make, wasn’t it? That lesson was solidified by a conversation I overheard while I was in line at the bank when a member of the union was asking everyone in line what they thought of the strike, and then verbally attacking anyone who did not support it.

I tried to avoid him asking me, but he finally made his way to my spot in the line. Needless to say, he and I had a little verbal exchange at the bank that I will never forget. Someone at the union should have taught him a better way to earn support for his cause.

So, looking back, while that chunk of the very first paycheck I earned put a sour taste in my mouth for the modern union, I still was very much on the fence with unions up until things started to get a little nasty with that 2003 to 2004 strike. Needless to say, at the time I set out to learn more, to form a much better-informed opinion of unions, and in the past seven years, I have concluded that while the initial intention of the union was good, and that the early unions brought us into reasonable working hours and reasonable working conditions, and took children off of assembly lines and got them into schools, I struggle to see how at the end of the day today, they are actually doing near the good that they used to. Couple that with all the classic union corruption, strong-arming and mob ties from the 1960s and 1970s that supposedly are 100% gone now, and you do not have a very rosy picture of the modern union at all.

In fact, when you look at the plight of non-union workers in America today, many of them are much better off than their union counterparts, even though their union counterparts have a union looking out for their best interest. Look at the unionized auto workers in America, for example, and how their union benefited most of them out of a job.

By the way, I did my own personal reflecting and found myself wondering how in the hell was it that I was in a union, paying union dues, yet was making minimum wage and getting no benefits? You’ll excuse me if I don’t look back fondly at all the union was doing for me at the time.

And now, as we stare down another grocery workers strike, I can’t help but have a bitter taste in my mouth from the last one. This time around, the complaint is that workers are going to have to start paying more of their healthcare costs. Oh, you mean like everyone else in America? I had to do that for a year at my current job when the economy started to turn and I didn’t take to the streets, accosting customers as they entered the building. In fact, I paid it without question, put my head down, got to work, and with the help of everyone at the company working hard together through the economic crisis, a year later, the company turned around and starting paying 100% of my health insurance premium again because it was doing so well. We supported the company and came out the other side better for it instead of attacking the company, blaming it for things that were outside of its control.

I got a job at the grocery store and I didn’t really like it, so I went out and got another job, then another job, then another job, and moved on with my life. I didn’t stay at a job I didn’t like then blame the store owner because I stayed there. By the way, grocery workers in the very worst increase percentage are being asked to pay $92 per month for family insurance; $36 per month for themselves. I had to pay $33.11 a month and I work longer hours and I am salary so I don’t get overtime or holiday pay. To top it off, I negotiate all of my benefits and perks one on one directly with the company myself because I’m not part of a union.

Everyone out there is having to make concessions, and everyone out there is having to work a little longer and a little harder. Why should that not be the case for EVERYONE? What did that last strike accomplish? To tell you the truth, I don’t even remember, but I do know that it did one thing. It completely and totally swayed my opinion in one direction when it came to unions. I am not saying that these grocery store workers don’t work hard and that they don’t deserve the same American dream that the rest of us do, I am just saying that when it comes to supporting them and their disdain for their store during the strike, then immediately transitioning back to supporting their store once the strike is over is a real struggle for me.

Why is it such a struggle? Let’s just say that I think that striking workers should be out taking some business and economic classes because obviously, they do not have a basic working knowledge of how today’s businesses work, even though they work for a business and pay union dues to another business. Striking workers need to better understand where their employer, the people crossing picket lines, and yes, even their union, all stand. I’m not saying that to be mean. I am saying that they need to become better informed on how businesses work and understand that their union is a profitable business and they are a customer that is forced to shop there, even when there are better deals in the marketplace.

Again, let’s look at what happened last time. We stopped shopping at the Ralph’s where the mother walking into the store with her children was accosted. We started shopping at the next furthest Ralph’s from home, but all the stuff we were buying at Wal-Mart and other stores during the strike, we never went back to buying again at any Ralph’s, and this has actually saved us quite a bit of money. We spend far less at Ralph’s today than we did before the last strike, quite frankly, because we were forced by union members to go out and find alternatives during the last strike, and find alternatives, we did.

So, when Ralph’s doesn’t have money to pay for all of these workers’ health insurance seven years later, how do these workers not see that the effects they created with their last strike play a large part in the financial condition of their employer today? How can they not see that this looming strike over somewhere between $36 and $93 per month is going to have any even more adverse effect on their employer this time around? All of the evidence points to the fact that shoppers in Southern California did not simply go right back to their same buying habits post-strike back in 2004, but in fact, are buying less and less at the union shops because the bad taste the last strike left in their mouth.

During the strike, we discovered Henry’s and it’s higher-quality and less-expensive produce. That taught us that we needed to do more than just shop at Ralph’s…we needed to shop around. The grocery workers’ strike and the insight it gave us last time around led us to finding Henry's, and in turn, over the years, Fresh N' Easy and Growers Direct. We have now found everything we bought at Ralph's before the last strike at other stores, and at a cheaper price. I guess I should thank the union in a way, because without the last strike, we would have just continued paying more for less quality at Ralph’s. And one last point before I wrap up…While we were buying less, we were still going to Ralph’s about once a week, but since March when the union first started sabre rattling, we are going to Ralph’s much less in preparation for not going there at all. In fact, I think I may have made my last regularly-scheduled shopping trip to Ralph’s at this point.

So, in conclusion, this time I will not be crossing the picket line – not one single time. This will not be in support of the strike, but will be because the last strike opened my eyes to the options I had at local non-union shops. This time around, I no longer need to cross the picket line. This time, I won’t simply cut back on what we buy at Ralph’s, we’ll simply just stop going there from here on out. No strike in 2004? I’d still be shopping at Ralph’s. No strike in 2011? I’d still be shopping at Ralph’s. Now? I’m done shopping at Ralph’s. Regardless of how this strike turns out, if enough people reach the same conclusion that I did, union members, how do you think that is going to affect the store’s ability to pay for your health insurance?

Buzz Is Hermain Cain Stands A Real Chance In 2012

"There's nothing behind the voice or the message. The administration is in free fall. The country is in a state of anxiety and the administration doesn't have a handle on it all."

This is a recent quote from Herman Cain, a former chairman and deputy chairman of the Kansas City Federal Reserve and the former CEO of Godfather's Pizza.

When Herman Cain walks into a tea party event, he is greated with excitement, and you can even hear people say, "It's him, it's him." Cain has a radio show in Atlanta, does quite a bit of public speaking, is the author of "They Think You're Stupid" and is the first of many potential 2012 presidential candidates to form an official exploratory committee.

Cain has started his possible campaign by attending a number of small gatherings around the nation, last year speaking at 40 Tea Party rallies, and recently attended the Tea Party Summit in Phoenix.

Cain is looking to focus on national security, a fair tax, domestic energy, and repealing and replacing what he calls "health care deform".

When asked about being a long-shot candidate for 2012, Cain says, "Bill Clinton, another long-shot candidate. People would be nuts to think that a long-shot candidate didn't have a chance to win. He also points out that our current president was a long-shot candidate as well. "He was able to knock off the Clinton machine, that's what I call it, because people got excited about a fresh face and a fresh voice."

Cain's rise to political fame actually came in 1993, when during the Clinton health care reform push, he confronted the then-president at a town hall meeting in Kansas City. Cain tried to explain to President Clinton that his proposed mandate that all employers be forced to provide health insurance for all workers would actually cost some people their jobs. President Clinton tried to explain to Cain that government subsidies would help small businesses to meet the health care mandate and not have to lay workers off due to health care cost increases. Cain responded by saying, "Quite honestly, your calculation is in accurate. In the competitive marketplace it simply doesn't work that way."

Cain supports replacing our current federal income tax system with a federal sales tax. He also believes replacing federal income tax with federal sales tax will help stimulate the economy.

Cain credits Sarah Palin for the success of the Tea Party movement and its impact on the 2010 midterm elections, and says that he sees the influence of the Tea Party growing as we move into the 2012 elections.

Many sources agree that Herman Cain is a candidate to learn more about today so you will know who people are talking about when it comes time to vote in November 2012.

Happy National Stress Awareness Day!

Did you know that April is National Stress Awareness Month? Did you know that today, April 16th is Stress Awareness Day? Does it stress you out that you didn't know that? Now that we have reached the point in this country where we are stressing about stress, I thought I'd share some interesting numbers from Fast Company magazine with you:

1/3 of American children ages 8 to 17 say they worry about their family's finances.

2 other major sources of childhood stress are homework and teasing.

To cope, 44% of kids listen to music, 26% eat, and 22% actually talk to their parents.

Americans spend $14 billion on stress-relieving products each year.

There are actually 2 kinds of stress. Distress, which we all know, and eustress, a positive form that improves productivity and performance.

The word we know as "stress" has had its meaning since the 20th century, but can trace its roots back the Old French/Middle English word "destresse" or "distress".

3/5 of doctor visits around the world are as a result of stress.

Americans spend $22.8 billion on anxiety-related healthcare each year.

275 million work days are lost in the U.S. each year because of people taking "stress" days.

These "stress" days cost employers $602 per worker per year.

62% of Americans claim to be stressed about work.

Eating 1.4 ounces of dark chocolate every day for two weeks has shown to reduce stress, of course, according to a 30-person study done by a team of researchers from Nestle.

A study completed in 1938 and re-given in 2007 showed that high school and college students were 5-times more stressed out going into the Great Recession than they were during the end of the Great Depression.

2/3 of spoken curse words are a result of stress (the other 1/3 must be just for fun!).

80 of the 15,000 words typically spoken per person per day are swear words.

"This Things I Believe..."

I do not support raising taxes for the sake of fairness, regardless of the negative impact it is likely to have on the economy. In fact, I support equal taxation by percentage across the board, regardless of income levels.

I believe the federal government has gone too far in bailing out the auto, insurance and finance industries.

I do not support illegal immigration. I also realize that a solution that is completely in line with my principles and ideals is not practical. I support a registration program that includes a fine as penalty and requires the payment of estimated back taxes implemented simultaneously with a new guest worker program.

I believe that English should be the official language of the United States, though we have to give new arrivals a chance to learn the language, even if we help them on the government's dime.

I have not completely agreed with the large expansion in social spending and welfare that we have seen over the past decade and I believe that the time to start cutting back benefits is just around the corner. There should be length of time, education and work requirements for all able-bodied Americans on welfare programs.

I believe that if the effort that recently went into socialized medicine had gone into creating jobs, we would be better off today.

I did not support the creation of a national health insurance program administered by the U.S. Federal Government. While recognizing the need for reform, a completely partisan bill rammed through the congress was not the right solution, especially from a man who said he was going to unite the country. I believe that once the federal government is dictating prices and eligibility to doctors and hospitals, the quality and availability of healthcare will be greatly reduced. Those with no insurance will now have insurance at the cost of the 50% of Americans that actually pay income taxes and those who already had insurance will see the quality of their care decline. I also believe that the development of new medicine and treatments will greatly suffer under the weight of this new federal health insurance program.

I believe that we should eliminate teacher tenure and increase the use of performance standards and accountability.

I believe that our armed forces should remain an all-volunteer force.

I do not believe that federal employees should be allowed to unionize if they serve in positions critical to safety and security. I do believe that union elections and initiatives should have secret ballots.

I'm Not The Only One Calling Him A "Magician"!

During commentary on Tuesday's election results, political pundit Charles Krauthammer called our president a "magician". He said that Americans somehow thought that Barak Obama was a magician who sold them on his ability to somehow solve all of their problems, which is why they voted for him, yet, a year later, as reality is setting in, they are seeing that campaign promises and actual implementation of these promises are two entirely different things.

These comments put a particularly large smile on my face. I have called this president, first The Leader, which was not necessarily my doing, but a reference to a cult leader from The Simpsons, and now secondly, The Magician.

I call him The Magician because I think the only way for his Healthcare initiatives to work as he is selling them would be through magic. He says that he is going to find and cut all of the existing spending necessary to pay for $1 trillion in new spending after the money has already been spent (a common practice of politicians who end up never cutting the existing spending after the fact), cram people who have no money to pay for services into the healthcare system without increasing its capacity, and somehow reduce the cost of care to the people who are paying for the system, and somehow still increase the quality of care that everyone is receiving. There is only one way that this can be achieved...magic!

Barak Obama's win a year ago had a lot to do with people who don't normally vote getting out and voting. They, unlike the rest of us who vote all the time, were not able to filter out the campaign promises from what he would actually be able to achieve. So many of these first-time, or seldom-time voters saw him as someone who would fix all of the problems in their lives that they had been unable to fix for themselves.

Now, after a good ten months in office, I think they are seeing that this is just not the case. They are seeing that The Magician is not going to be able to wave his wand and somehow magically fix Taxington, D.C., the politicians, the economy, and their own personal problems.

If they would vote once in a while, they would know that this is what the rest of us deal with on a regular basis...politicians that make campaign promises that they just simply will never have the power to deliver on.

We investigate the facts, read the bills, read the platforms, and do not simply just get caught up in the political whirlwinds like the perfect storm that got The Magician elected last year. We recognize that a Presidential Election is a far more important thing than a road show to take an interest in for a couple of months every four years.

I think the honeymoon is over, which is why you are seeing The Magician's numbers turning. When the excitement about this man's youthfulness, his lack of tarnishing years as a Taxington politician, his desire to shake up the system, and yes, even his race, all wear off, we as Americans are seeing that despite all of the campaign rhetoric, there is still a politician in the White House.

For the life of me, what I cannot figure out, is why all of the first-time and seldom-time voters out there thought it would be any different. Oh, yeah, that's right, it is because despite living in this country and reaping its benefits, this is the first time that you actually got involved with the rest of us in the political process and took the time to vote. Well, welcome to American politics, where you are seldom happy with the results of any election. Now, go crawl back into your hole of political oblivion and let the rest of try to fix the mess that you have created.

There is not an easy solution to the problems that this country is facing, and we should all be suspect of anyone who tells us that they have the formula to fix it all. We all have a duty to vote for someone who will do what is in the best interest of the nation, not just simply promise to provide us with the things that we do not have, have always wanted, yet somehow, have never found the means to provide for ourselves.

Money will be borrowed, money will be printed, services that we cannot afford will be provided, yet one day, the bill will come due and we may see the first time in the history of this nation where the bill is just so overwhelming that it drags the entire country down with it, and no amount of magic will be able to save us when that happens.

Under ObamaCare, You MUST Have Health Insurance, Or You Will Pay A Tax...

I want to give you something to think about today as you get ready to start a new work week. Let's think about car insurance for a second. Do you remember a time when you you were not required by state law to have car insurance? I honestly don't, but I hear from those older and wiser in the tribe that this used to be the case. So, here I sit today, having been a licensed driver in the state of California for going on 19 years, and have never had an at-fault accident where my insurance company has had to pay out for an accident that was my doing, yet if I want to get behind the wheel of a car, I need to go out and buy some car insurance, otherwise I am breaking the law...even more so than normal. My alternative? Stop driving, or leave California.

With everything that is going on right now with healthcare reform, why in the world am I talking about car insurance? Well, wait for it...I'm getting there. Say HR 3200 passes, but you don't want health insurance...you just happen to be one of the people that either doesn't care enough to have it, wants to pay cash at the doctor, or God bless you, has enough money that you just don't need it. What we all know is that if you make over $350,000 a year, you're going to be one of the people paying for HR 3200, but one thing that I am sure none of us know is that if you do not have health insurance and are living legally in the United States of America, and do not enroll yourself in the public option or buy a policy through the National Exchange when they become available, you are going to be paying a tax of 2.5% of your adjusted gross income for the taxable year. I know that's a long sentence, but feel free to read it again. Just like HR 3200, there's a hidden tax in there.

There are some loopholes:
- Prove that your religion does not believe in health insurance
- Have your tax pro-rated if you are covered part of the year
- You don't have to pay the tax on dependents, regardless of their coverage
- The 2.5% tax will not exceed what the Secretary of Health and Human Services determines to be the national average health care premium cost for you

To summarize, if you're just someone who does not want health insurance and you don't want the public option, or to pick from the National Insurance Exchange, you're going to be taxed for your decision. Kind of makes it seem like if you're unemployed and not of wealthy means, they are going to force you into one of the government-run healthcare programs. You are going to be required to have health insurance just like you are required to have car insurance, otherwise, you will be paying an additional 2.5% to Uncle Sam when it is Tax Day. Your alternative? Leave the country.

Now, I know this is going to effect a very small percentage of Americans as close to 90% of us are still working and getting insurance through work, or are covered by some other government program, etc., etc., but here is just one more government-controlled thing in life.

You will soon be required to have health insurance. If we just continue to sit back and let government tell us what to do and how to live our lives, eventually, they will control everything. Never happen? I bet there were a lot of Germans saying that in 1933, too. How about instead of just drawing Hitler mustaches on everyone's pictures, we do a little research, study some history, and get the facts?

I do not want government telling me what I need to buy, what I need to drive, what I should be eating, where I should be going, and charging me a hell of a lot of taxes for a hell of a lot less freedom. Sadly, however, I think you had better get used to it America! With each passing year, government is going to force more and more upon you...

An Important Update From The Social Security Administration

The U.S. Social Security Administration has fantastic news! Straight from the insert that should have arrived with your annual statement (wonder what it costs to print and mail all of those instead of posting them online), the Social Security Administration is happy to report that by the time those of us in our 30s go to retire, we have the prospect of getting up to 78% of the benefits that we are supposed to be getting! Isn't that fantastic news?!

That means that for every $1,000 that we are supposed to get, in essence, for every $1,000 that people on Social Security are getting now, we are going to possibly get up to $780! So, when we go to retire, we just need to come up with the other $220 somewhere to make up for the $220 that was stolen from us and given to today's retirees!

Given these revelations, how about we be allowed to keep $220 of our $1,000 to invest for ourselves? Go ahead and ask the Social Security Administration that, and watch them just smile and laugh at you, crazy little taxpayer. You can't take care of yourself without big government! Why, that's just crazy. If they let you keep your $220, they'd have to cut benefits to people on Social Security today, and that just wouldn't be fair at all to them.

The burden of benefits being cut is reserved for those of you retiring after 2041, silly goose. The Social Security Administration is just going to hold their breath, close their eyes, and hope that there is some miracle between now and 2041 that will magically occur so that we can get our full benefits. Great plan, folks!

I have a fantastic idea! Why don't we put the idiots in government in charge of all of the banks and large industrial manufacturers in the land to ensure that nothing goes wrong with our pseudo-capitalist system. Oops - am I too late to stop that? Or even better, let's take our very health and well-being and let them tax us even further so they can provide us with a universal healthcare plan (I'm not making that up - there are bills in the congress right now that are going to tax you on the health insurance your employer provides to pay for health insurance for those who aren't working - a tax on families making under $250,000 a year - breaking a certain promise from a certain someone who just happens to be the leader of the free world right now). We're going to have to sit back, watch, and see what passes and what gets vetoed.

In fact, with Taxington, D.C. doing so well with managing our retirement fund, why not let them handle every aspect of our lives?

A Health Warning About Food & Plastics...

I have long been very concerned about the mixture of food and plastics. Just the other night I saw a commercial for plastic crock-pot liners that keep the pot clean while you simmer food for hours on end that made me think about how dangerous a combination hot plastics and food can be.

I find it very hard to believe that a plastic bag next to a heat source will not release chemicals into the food that it is holding. Then, this week, I received an email that addressed that very issue.

I must admit I was not surprised about heat and plastics, but I was surprised about cold and plastics. The email talks about the dangers of warming and freezing food and drinks in plastic containers.

Studies at Johns Hopkins are now showing that cancer-causing dioxins in the plastic containers that we use each and every day are seeping into food when it is being heated.

Dioxins are absorbed, eaten and then begin poisoning your body’s cells, leading to the development of cancer.

Johns Hopkins recommends the following:
1. DO NOT put plastic containers, even so-called "microwaveable" containers, in the microwave. Dioxins can seep into your food while it and the plastic container are being heated.
2. DO NOT put plastic water bottles in the freezer. Dioxins seep into the water as the water freezes.
3. DO NOT use plastic wrap in the microwave. Dioxins seep into your food when the plastic wrap is heated.

When It's 2010, 2015, & 2050...

When it’s 2010, the average life expectancy of men turning 65 will be 81.4 years, while women turning 65 in 2010 will live to 84.1 years.

Mean household income, which is $92,553 today, will get up to $113,361 in 2010 and $133,831 in 2015.

Americans’ taxable payroll which is at $4.7 trillion today will go up to $5.4 trillion in 2010 and $6.1 trillion in 2015.

The U.S. GDP which is at $12.1 trillion today will shoot up to $13.9 trillion in 2010 and $15.7 trillion in 2015.

Today, Social Security revenue is 12.73 cents per $1 of taxable payroll with 11.05 cents of revenue being paid out and 1.68 cents of revenue being put into the surplus fund. In 2010, Social Security revenue will go up to 12.83 cents per $1 of taxable payroll with 11.34 cents being paid out and only 1.49 cents being put away. By 2015, Social Security revenue will reach 12.95 cents per $1 of taxable income with 12.26 being paid out and only 0.69 cents being put away.

Today, U.S. unemployment is at 5.25% and is expected to go down to 5.21% in 2010 and 5.20% in 2015.

The U.S. population, at 288 million people today, will go up to 309 million in 2010, 323 million in 2015, and reach 421 million in 2050.

Within the U.S. population, people over the age of 65 make up 12.4% today, will make up 13.0% in 2010, make up 14.5% in 2015 and make up 20.7% in 2050.

So what else is in store for 2050?

According to Elizabeth Gardner from Financial Planning Magazine:

• There will be "solar" paint with embedded semiconductor particles that can power the electronic devices that are painted with it
• Wearable electronic devices will run on power generated by the wearer’s skin (a process patented by Microsoft in 2004 that will help the company reach $1.4 trillion in market value by 2050)
• People of two or more races will be so common in the U.S. that the Census Bureau will consider dropping the "race" question from the census (the CB will actually drop the question sometime after 2100)
• Printable transistors will be woven into clothing so that people can sell commercial time on their clothing to advertisers
• Distance learning will replace institutions of learning like Harvard for the most part (where annual tuition will be $320,000 in 2050) and individual instructors who teach students all over the world remotely will become the new icons of learning
• California will be forced to institute once again an English-only policy for official city and state signage as ethnically-centered populations have resulted in entire cities having official signs in only that city’s most popular language
• Human tissue, bones and organs will be custom-made using devices that build three-dimensional structures of living cells, revolutionizing prosthetics and the plastic and restorative surgery industries
• The penny will finally be officially eliminated by congress, but other cash and coin in the U.S. will still be around for private, in-person transactions, while a new form of currency that is worldly universal for use over the Internet and electronic shopping methods will have been popularized and replace the U.S. dollar as the defacto standard for the world’s currency
• Land-fill mining companies will be becoming popular, mining old landfills for metals, minerals and other materials whose natural resources have been exhausted
• The youngest baby boomer will be 86, the oldest 104
• Books will be a retro luxury much like vinyl records are today with some pretty common books by today’s standards being displayed in museums while book-binding will become a well-to-do hobby like home wine-making or beer-brewing is today
• To deal with seething social unrest caused by an excess of single men, China will offer attractive financial packages to Chinese girls adopted buy U.S. families to get them to come back to China
• There are 800 million cars on the world’s roads today, but there will be 3.25 billion by 2050

Back In 1904...

Back in 1904...

...the average life expectancy in the U.S. was 47 years.
...only 14% of U.S. homes had a bathtub.
...only 8% of U.S. homes had a telephone.
...a 3-minute call from Denver to New York City cost $11.
...there were only 8,000 cars in the U.S., and only 144 miles of paved roads.
...the maximum speed limit in most cities was 10 miles per hour.
...Alabama, Mississippi, Iowa, and Tennessee were each more heavily populated than California.
...California was only the 21st most populous state with a mere 1.4 million residents.
...the tallest structure in the world was the Eiffel Tower.
...the average wage in the U.S. was 22 cents an hour.
...the average U.S. worker made between $200 and $400 per year.
...a competent accountant could expect to earn $2,000 per year, a dentist $2,500 per year, a veterinarian between $1,500 and $4,000 per year, and a mechanical engineer about $5,000 per year.
...more than 95% of all births in the U.S. took place at home.
...90% of all U.S. physicians had no college education. Instead, they attended medical schools, many of which were condemned in the press and by the government as "substandard".
...sugar cost four cents a pound.
...eggs were fourteen cents a dozen.
...coffee was fifteen cents a pound.
...most women only washed their hair once a month, and used borax or egg yolks for shampoo.
...Canada passed a law prohibiting poor people from entering the country for any reason.
...the five leading causes of death in the U.S. were: 1. Pneumonia and influenza, 2. Tuberculosis, 3. Diarrhea, 4. Heart disease, 5. Stroke.
...the American flag had 45 stars.
...Arizona, Oklahoma, New Mexico, Hawaii, and Alaska hadn’t been admitted to the Union yet.
...the population of Las Vegas, Nevada, was 30.
...crossword puzzles, canned beer, and iced tea hadn’t been invented yet.
...there was no Mother’s Day or Father’s Day.
...20% of U.S. adults couldn’t read or write.
...only 6% of all Americans had graduated high school.
...marijuana, heroin, and morphine were all available over the counter at corner drugstores. According to one pharmacist, "Heroin clears the complexion, gives buoyancy to the mind, regulates the stomach and bowels, and is, in fact, a perfect guardian of health."
...18% of households in the U.S had at least one full-time servant or domestic.
...there were only about 230 reported murders in the entire U.S.
...letters could take months to travel the world. This information came to me in an "electronic" mail, "copied and pasted" by me into a "software program" on a "computer" and delivered to you via the World Wide Web that involves no paper, writing, or teamsters (who drove horses in 1904), in just a couple of seconds...try to imagine what it may be like in another 100 years...

What’s In My Wallet, Huh? Cash, You Damned Vulture...

Gold cards are out and platinum cards are in. Credit card companies are already working on their next wave of smoke and mirrors to rope people into the “prestige” of high-end credit card patronage. Titanium cards allow you to carry a balance of $100,000, have no annual fee, and perks like free internet access and magazine subscriptions. The vultures are trying to market titanium cards to law and medical students who they are hoping will rack up large bills now, but have the earning power later to eventually pay them off. If that’s not enough, ultra-elite cards like diamond, quantum, infinite, and black are also making their debuts with credit lines that start at six figures. American Express Black has benefits like roadside assistance and guaranteed airport parking, but carries an annual fee of $2,500. My advice on credit cards? Whether your card is gold, platinum, titanium, or Ukrainian, don’t carry a credit card balance, and always try to get cards without an annual fee. If you’re looking for a status symbol, how about being able to say you have no credit card debt in a nation where the average household carries $35,000 in credit card debt? If you need to carry a balance, look for a low-rate card, which is not necessarily going to be a “metal” or “element” or “smoke and mirrors” card. Watch out for “rebate” cards. Sure, you might get a free tank of gas every month, but are you paying $300 in finance charges instead of just spending your own $30 on gas? Always pay your minimum due and pay it on time...if you don’t there are clauses in the credit card application you signed that are there just to stick it you. Always be firm, almost a problem customer to your credit card companies. Be courteous, of course, but also demanding, and always threaten to take your business elsewhere. Call your credit card companies and tell them you are going to transfer balances away from them if they don’t lower your rate. You’d be surprised at how quickly they may lower your rates if you scare ‘em.