Healthcare

I stopped blogging about political issues once the election was over and my guy won. I thought "we're in good hands now and the president doesn't need my help." But since everyone of us has a stake in the healthcare debates now raging across the country I'm feeling the urge to step in with my undervalued opinion. I recently started worrying about it more than I have in the past because of some deep layoffs in my company and the realization that could lose my job and my health benefits. I also have an adult daughter now who will come off my policy as soon as she stops attending college. The thought of myself being uninsured worries me, the thought of my kid being uninsured sends me into a panic!

I'm in awe - a sickening sort of awe - as I watch protestors across the nation screaming against socialized health care. Does anybody see the irony of senior citizens on medicaid yelling at congressmen that they are against socialized medicine? Did you see the sign held up by the woman that said "Keep Your Government Hands Off My Medicare"? Does anybody shake their head in disbelief as Republican Senators with their gold plated government healthcare condemn any plans to give that same care to the rest of us?

That's right. Our politicians enjoy taxpayer-funded healthcare. All of the senators and representatives in Washington enjoy health benefits that are fully paid by you and me. I don’t see any of America’s politicians opting out of their taxpayer-funded plans in favor of the supposedly superior private health plans, do you? They have the luxury of coverage at taxpayer expense, while we taxpayers have to worry about where or whether we will even get coverage, much less coverage that we can afford.

A main argument from the right is that they don't want government bureaucrats making healthcare decisons for them. But our current private system has insurance company bureaucrats deciding which medical procedures they will cover and which they will not. They also decide whether or not they will cover you at all and how much you must pay them for your coverage. Insurance companies dictate to doctors what care you are allowed, compromising what would otherwise be the best medical practices in the world. The biggest difference between the government and the insurance bureaucrats is that insurance companies actually have an incentive to give you less care because they will make more money by denying claims and treatments.

Many claim that America has the best healthcare system in the world. Sadly, that is just not true. We only have the most expensive system in the world. Are we getting our money’s worth?

Choose any type of health measurement and compare America against any other industrialized nation. The comparison is not good. Life expectancy in the U.S. ranks 24th in the world. Life expectancy in the U.S. ties with Slovenia. We rank 29th in the world for infant mortality. Even Cuba ranks ahead of us. We fare poorly in several other rankings as well, including overall cost, access, and health outcomes. It turns out that America has, at best, the 24th best healthcare system in the world. Want to know what the top 23 countries are doing? They all have universal healthcare.

A generation ago, working for only one company over the course of your career was the norm. Today, the average worker will work for six different companies. Additionally, more workers than ever before are self-employed or run small businesses. Employer-sponsored healthcare no longer makes any sense. Many of my conservative friends and relatives have the traditional family where mom stays home with the kids and dad goes to work and gets the employer based health policy. Well if dad leaves or dies, mom cannot continue to stay at home and care for the children as before. She must, in a time of crisis, look for a (full-time) job with healthcare benefits. Countless Americans remain in their jobs when they would rather stay home to care for their children, simply because they have to in order to continue their medical insurance coverage. That is not exactly “family values.”

Forty-seven million Americans are now uninsured and that number is growing as job losses continue. Uninsured people still get sick. They still visit the doctor or, worse, the emergency room, which is 10 times the cost. Who pays? Those of us with insurance. I went to the podiatrist last month for some foot pain. The total bill for an xray, 20 minutes of the doctors time and some shoe inserts cost $850. It doesn't take a genius to see that there is a lot more rolled into that bill than the care I received. You and I are ALREADY paying for the uninsured every time we pay a premium; we pay again every time our premiums go up. And our premiums will continue to go up. The price of insurance premiums is rising much faster than wages, and there is no end in sight.

In America, we believe that we all deserve equal protection from crime and fire. The police and the firemen should respond to you just as fast as they respond to Donald Trump, right? We believe that the poor have the same right to clean water and safe roads as the rich. We even pass laws guaranteeing that everyone have affordable access to cable TV! But in this the greatest nation on earth, a country as well off, as caring, as Christian, as the United States of America, it is unacceptable that our politicians would say that we can have equal rights in so many things but if I want the same coverage as them, then I'm a socialist.

There! I got that off my chest. Let me know if anything I said changed your opinion on the subject!

New York

Me and Samantha spent 3 days in NYC last week. We crammed as much as we could into the time we were there and the highlight of the trip was spending quality time with my 19 year old daughter. Here are some other the highlights.

...had a cabbie that rolled down his window to yell at people...saw Paul McCartney sing on top of the Ed Sullivan theater...Ellis Island...Apollo Theater...bought a hot dog from a street vendor...saw homeless building forts in doorways at night...Museum of Natural History...Times Square...Stautue of Liberty...Ground Zero...Century 21...followed the crowd through intersections against the light...Wicked...top of the Empire State Building...subways...patio cafe's...Chinatown...Dakota...Central Park...Mama Mia...Brooklyn Bridge..bought a purse from a street vendor...Metropolitan Museum of Art...Grants Tomb...Columbia University...Carnegie Hall...United Nations...Wall Street...

New York is incredible. We enjoyed it all and would like to go back. When you travel you can't help but compare where you are to where you are from. You compare the people, the prices, the weather, the culture, the entertainment, etc.

We both received an additional bonus from this trip by realizing that Colorado is an INCREDIBLE place to live. It's good to be home. (but we can't wait to go again!)

Trudging to the Top

I climbed another of Colorado's 14ers yesterday. My 15th. Only 39 left! Actually "climbed" sounds too athletic. Hiked and walked don't quite fit either. Cantered or pranced? Too ambitious. Ambled, strolled, or meandered? Too casual. Lumbered or marched? Too confident. Wandered and roamed are too aimless. Plodded or slogged? Close. Trudged? Trudged...that's it.

Yesterday I trudged up another mountain. Missouri Mountain this time. Since Missouri doesn't have it's own mountains I don't mind naming one of ours in their honor.

I drove to the trail head Friday night and slept in the van for an early start. I was up by 4:30 and on the trail by 5:15 and was gasping for air with my hands on my knees at 5:20. But aside from my physical conditioning, it was a beautiful day and watching the sun hit the peaks was truly spectacular. If I just took it easy, I might be on top by 9:00. That was if I stayed on the trail. I didn't stay on the trail.

A scree field is a field of loose rock that you have to pick your way through very carefully and it's easy to lose the trail.
Really. Anybody can lose the trail. Really. The smart thing to do when you lose the trail is to back track until you pick it up again. The dumb thing is to keep going forward confident that the trail will have learned its lesson and come back to you. I saw the mountain peak ahead of me and chose to do the dumb thing.

And I climbed the wrong peak. (but I made really good time!)

I sat down on Wrong Peak and took a picture of Missouri Mountain...across the valley and an hour away.
So now I had a dilemma. To get to Missouri I would have to descend 500 feet, traverse a ridge for about half a mile and climb back up a thousand feet to the top. I seriously considered returning home and just crossing Missouri off my list anyway. No one would know and I could tell myself that I was close enough. I started down and didn't completely decide until I reached the point where I could continue down or turn back up.

An hour later I was on top of the right mountain.

Happy Fathers Day

There are many ways to measure success, not the least of which is the way your children describe you when talking to a friend. - Author Unknown

This week like every other 3rd week of June that I remember, fathers are in the news. Celebrities and presidents are speaking of memories of their dads or the importance of being a good father. I pay attention. I'm not saying that I don't also pay attention to Mother's Day. Mothers get plenty of attention and rightfully so. Seems like there are many more good mothers (including my own) than there are good fathers so in addition to a day set aside to appreciate us, we also get reminders and lectures on the importance of being a good one.

I had a good one.

I want to make sure he knows because now that I am a father of three teens, I'm constantly asking the question of myself. Am I doing a good job? Will they recover from my mistakes? Am I a good role model? Always questions! So although I don't yet have the answers on how I am doing as a father, I wanted to provide some answers to him.

He showed me that just simply "being there" for your kids was important. He made it to all teachers meetings, plays, concerts, sporting events, and even put in the required coaching duties

I know that racism is wrong because of my dad. He came from the segregated south and when I was 8 we were visiting his home town and we went to the public pool for a swim on a hot sticky summer afternoon. The pool was surrounded by chain link and as all of us white children were enjoying the cool water, dozens of sweaty black children hung on the fence and stared at us. I asked my dad why they weren't swimming and he explained that they weren't allowed and that the law was wrong and people were stupid and we left.

I know how to work because of my dad. After a few decades of white collar work, he took an early retirement to move to Minnesota to be by my mom's parents. The idea was to get another job suited to his talents and management skills for the last ten years of his career. The December after they moved I went out to visit and watched him pump gas in the minus 20 degree wind chill. Jobs he was looking for were slow in coming so instead sitting and waiting and whining he worked at the local gas station until an administrative position opened up at the local college.

I want to contribute to make the world better because of my dad. After he finally retired he volunteered to work with kids in the school system. Most of the grandparent volunteers wanted to work with the younger elementary children, but dad volunteered in the middle school for over ten years. He received a Volunteer of the Year award and today hundreds and hundreds of kids(and now adults) call him grandpa in addition to his own 7 grand kids.

So Dad...just in case you didn't already know this...you are a good dad and I'm proud to be your son. I hope I live up to your example. Love, Jim

Paradise with a Price

For 3 months a year, I live in paradise. It's easy to forget that when it is still snowing in mid-June.

I went for a walk this morning while most were still sleeping (always the best time of the day) and even after 6 years here I am still amazed by the beauty around me. Every direction could be a post card. From now until mid September the temperatures will seldom get above 80. Humidity and bugs are practically non-existent. When storms roll through they are dramatic and exciting (thunder in stereo) and are quickly followed by blue skies and fresh mornings. The air is invisible as it should be. Water is plentiful and pure.

And there's the people! Summit County is the fittest county in Colorado. Colorado is the fittest state in the nation. And there are no age limits. I've climbed mountains and found 7 year old girls with their 70 year old grandfathers already at the top when I arrived. Sharing the ski slopes with 80 year olds is common. In my experience, healthy people are happy people and happy people are great neighbors.

Recreation? Most cars are equipped with racks that carry bikes, skis, canoes, snowboards, and kayaks. If their toys are too big they have a trailer to pull the snow mobiles, 4 wheelers, sailboats and rafts. If that's too much activity for your weekend, then choose among several festivals that are held every single weekend in the summer. What interests you? Jazz? Film? Wine? Art? BarBQ? There's a festival you can walk to that people come to from all over the country.

I live in paradise...for 3 months a year.

Quotes to live by

I've been doing some deep cleaning in the house. Very deep cleaning. Every photo and every knicknac is studied and either organized, given away or tossed out. Yesterday I found a handful of 3 by 5 cards with various quotes written on them. I started writing down quotes in 1978 and it looks like I wrote the last one in 1995. I remember writing down quotes that supported my own philosophy...quotes that made an impression. I wrote them down and even had many of them memorized (back when I could remember anything)

Very often when you get a chance to revisit the past and you are introduced to who you used to be, you don't always recognize that person. People change, ideas evolve, truths expand. And although I have changed and hopefully grown over the past 30 years, I discovered that I like these sayings and recognize their truth as much as I originally did. I don't think I intended to collect quotes that were so similar to each other but now I can see that there is a definite theme running through them. Perhaps among them is my own philosophy of life that these wise men and women have expressed much better than I ever could. Here they are.

The purpose of life, after all, is to live it, to taste experience to the utmost, to reach out eagerly and without fear for newer and richer experience. - Eleanor Roosevelt

There is only one success... to be able to spend your life in your own way.

Go confidently in the direction of your dreams! Live the life you've imagined. As you simplify your life, the laws of the universe will be simpler. - Henry David Thoreau

Live each season as it passes; breathe the air, drink the drink, taste the fruit, and resign yourself to the influences of each. Henry David Thoreau

That man is the richest whose pleasures are the cheapest. Henry David Thoreau

The determined man finds a way, the other finds an excuse.

Everything can be taken from man but one thing, the last of human freedoms - to choose one's attitude in any given set of circumstances - to choose ones own way. Dr. Victor Frankl

Success is a journey, not a destination. We cannot direct the wind, but we can adjust the sails.

I finally figured out that the only reason to be alive is to enjoy it. - Rita Mae Brown

Change occurs when we take responsibility for our own thoughts, decisions and actions. - C. Palladino

The search for happiness is one of the chief sources of unhappiness. - Eric Hoffer

There is more to lfe than increasing its speed. - Mahatma Gandhi

Death is not the enemy; living in constant fear of it is. - Norman Cousins

A man may fail many times, but he isn't a failure until he blames someone else.

Life shrinks or expands in proportion to ones courage. - Anais Nin

People do not lack strength, they lack will. - Victor Hugo

Action is eloquence - Shakespere

It is only those who do nothing that make no mistakes. - Joseph Conrad

It is not only what we do but what we do not do for which we are accountable. - Moliere

Go as far as you can see, and when you get there you will see farther. - Orison Sweet Marden

You may have a fresh start any moment you choose, for this thing we call failure is not the falling down, but the staying down. - Mary Pickford

And finally here is the quote that started it all. I actually memorized this in high school. It's still my favorite.

It is not the critic who counts, not the man who points out how the strong man stumbled, or where the doer of deeds could have done them better. The credit belongs to the man who is actually in the arena; whose face is marred by dust and sweat and blood; who strives valiently, who errs and comes up short again and again; who knows the great enthusiasms, the great devotions, and at the best, knows in the end the triumph of high achievement; and who, at the worst, at least fails while daring greatly, so that his place shall never be with those cold and timid souls who know neither victory nor defeat. - Theodore Roosevelt

You Must Pay The Rent!

"You Must Pay The Rent!"

Imagine me saying that line with a top hat, a cape, and a skinny waxed mustache. That's how I picture myself everytime I have to collect delinquent rent from my tenants. I don't enjoy it. I put it off as long as possible hoping the check will be in the next days mail. But in nearly 20 years of doing it, I must admit it has gotten easier. And that's a good thing because there is a whole lot of rent that's not getting paid these days.

One of my first (and worst) situations was trying to get money from a Chester Fried Chicken franchisee in one my food courts. The guy was retired after a career in the Army where he ran NCO clubs. He thought he had the skills to manage a small fast food franchise and he sunk his entire life savings ...against his wifes vehement protests...into this venture. He was already circling the drain before I got to the mall and became his landlord and nothing I could do was going to save him. He was going out of business and my orders from corporate were to get as much money as possible from him to settle his debt. He and I and our attorneys met in a conference room and the guy was literally in tears. He said he lost everything and his wife wasn't even speaking to him. And although I personally would have let him off the hook, I had to ask him for more money. He would make an offer and I'd step out of the room to call my boss and come back in and have to say "not good enough". At the end I only ended up with about twenty percent of what he owed but it took most of what he had left and we even made him sell his van to give us another couple thousand. When he left I could tell that facing me was nothing compared to what he was going to face when he got home.

It was an ugly experience but I definitely learned something from it. It's easier to collect rent if people think you are a son of a bitch. Word got around the mall that the new mall manager took a guys van and made him cry. For three years in a row after that I received the annual award for having the lowest collection balances in the company.

When I switched jobs, rent collection was still an important part of the job description. We had a Christmas store that was always struggling with rent, but I knew that the guy lived in a nice home, drove a nice car, and was frequently in the society pages, so I didn't feel that bad for him. I ended up suing him and he showed up in court with a cashiers check for the entire $30,000 that he owed. It was strange since he had been claiming poverty just the day before but I had my money and didn't question it ...until the police questioned me 6 weeks later.

Turns out that Mr. Christmas was also the president of the local charter school and he had embezzled from them to pay me. We returned the money to the school and evicted Mr. Christmas, who is still in jail as I write this. The story made the paper of course, which was fine with me. Because now my tenants know that there was a guy who would rather go to jail than owe me money. You don't have to be a son of a bitch but sometimes it doesn't hurt if people think you are!