I’ve been criticized lately for my views on the healthcare debate, but I think I’ve shared them fully with only two people. I guess I have the option to public them.
Medicare pays 85 cents on the dollar. Medicaid 65. A lot of doctors won’t even accept Medicaid because they lose so much on patients with it. So doctors and hospitals raise the price for everyone else to try to make up for it. And then, of course, there are all the completely uninsured who show up at emergency rooms and have to be treated for absolutely free, by law.
So far government has been the cause of raising healthcare costs, not lowering them.
So what should we do?
That’s the question, isn’t it? What should we do? I’ve been thinking about this a lot lately, and I don’t know what the answer is. I do know what a lot of the problems are, and I don’t want us to make some of the same mistakes we already have.
I also know that the US creates the greatest drugs and medical devices the world has ever had. In fact, we are subsidizing healthcare in the rest of the world because other countries get to use our technology without developing their own. They also either rip off our drugs without respect to patents or else tell our drug companies they’ll give them X amount of money for their drugs, take it or leave it (which is why drugs are cheaper in Canada).
Our current system results in amazing drugs like Imitrex (which makes my life livable some days). But it also results in my husband and me having to shell out $90 a month for health insurance that only kicks in after we’ve spent $10k (annually) and no drug benefits. So those magic Imitrex cost me $18 each.
It’s a trade-off, I know. The best medical care in the world or mediocre/poor medical care for everyone? I don’t think we can have both.
What I really want is a return to the family doctor who makes house calls and doesn’t have to spend so much time filling out paperwork, filing insurance claims, dealing with bureaucracy (both with the government and with insurance companies), or fighting frivolous lawsuits. I want the doctor to figure out how he’ll charge, who might accept a side of bacon, a bushel of turnip greens, or his car repainted or his lawn mowed if someone can’t afford to pay him in cash. But I’m afraid those days are gone.
I also want a return of charity, of neighbors pitching in to help when one of them gets sick. We don’t see much of that anymore, because people assume it’s the government’s job to take care of the sick and old.
In the meantime, as much as I hate to say it, I think we need more regulation of insurance companies. When a corporation only cares about the bottom line, the people who have been diligently paying into the system get screwed.
I know the way insurance is supposed to work: pool the risk and everybody shares the pain. But I don’t like the idea of a single payer system where everyone pays the same, regardless of what kind of risky or unhealthy lifestyles they lead. I don’t think someone who makes sure to exercise and eat right should have to subsidize someone who smokes, uses illegal drugs or engages in very risky sexual behavior. That’s why you have to answer all those invasive questions when you apply for health insurance; they charge you more if you do things like use tobacco.
It’s true that we have to do SOMETHING about our current healthcare system. But I’m worried about doing the WRONG thing.
All of this is to say that I’m not anti-reform. Â I just want don’t want to make things even worse.
Here’s a piece that I thought offered some pretty interesting thoughts on the issue at Planet Money.
Every weekend, when I don’t have to work, I look to see where Berck is flying to, if he has a long “overnight”, and if there are any seats to and from such place. I’d finally just about caught up on the week I took off to go to the beach this month, so I thought I’d have time. Berck would be working an early morning and ending up in Casper, WY around 9 a.m, then fly back out first thing Sunday morning. I checked the seat maps on United.com, but they said they were unavailable. In the past that’s meant that there are no empty seats, so I gave up on the idea.
But Berck suggested Friday that think about coming to Casper. He checked the loads and said there was plenty of room. I thought about what I would have to do before I left and decided I didn’t have to do anything. I packed my old book-bag with a change of clothes, my new swimsuit, my 3-1-1 bag, and the assorted items I keep in whichever backpack I’m traveling with and tried to go to bed early. Of course, I couldn’t fall asleep until about 11 or so.
At 5 a.m. the BBC World Service awoke me on my clock radio. I got ready, got in the car, plugged up the new Shuffle Berck got me, and hit next until I got to a podcast I hadn’t heard yet. The Shuffle makes the 1.25 hour drive to the Denver airport so much better (and probably safer too, as I don’t try to find a radio station I want to hear in the dead spot around Larkspur.
They’ve changed the bus route at the Pikes Peak (long term parking) lot, and I ended up getting on a completely empty bus that had just begun its route all the way around the lot. Fortunately, as usual I had allowed myself plenty of time, so it wasn’t a big deal. I had a seat and a book to read, so I was content on the increasingly crowded bus, though I made a point to remember to park on the other side of the lot next time, or at least board the buses from over there. As it was, my bus driver had just begun pulling away from his stop as I approached and ground to a stop when he saw me walking toward him. I HAD to get on his bus then.
I was reading Julie & Julia, which Berck hadn’t bothered to buy until the movie came out and the only paperback available featured Meryl Streep on the cover. As we rode along, the lady next to me said to her companion, “Oh, they didn’t do much last weekend, just went to see Julie & Julia.”
There was fortunately no line in security. I was walking toward my gate on the moving walkway when Berck called and told me to meet him under the airplane in terminal B. He asked the gate agent if I could come with him early onto the plane. The gate agent said he used to live in Casper and work at the Ramada Inn where we’d be staying. I wondered if he decided to work for the airlines after seeing all the aircrews stay at his hotel. He said, “I always tell people there’s one thing not to miss in Casper, and that’s your flight home.”
Berck took me out onto the ramp and gave me a tour of his plane.
He showed me all the places where other pilots hide porn (behind the life jacket, under the cup holder, places where you won’t find it unless you’re looking for it). He demonstrated the stick shaker and had the automated warning shout out some advisories. Since I helped him study so much when he was in training, it was fun to see all the actual buttons and levers in person. I was glad I had gotten there early.
Then it was time to load the passengers, so I took my seat in the back. There were only nine of us on board, and the flight attendant made us all sit in the back.
I amused myself by looking at the incongruously new safety information booklets in relation to how old the airplane was. As you can see, no TV’s with remotes are allowed.
Berck flew that leg and did a good job as far as I could tell. I took a video of him landing, probably in violation of FAA regulations, from the vantage point of the right landing gear. The landing was pretty hard, but the Dash is notorious for that.
Then Berck indulged me and let me take a picture of him on the ramp.
We checked into the hotel. Then Berck changed his clothes and we went exploring Casper. It’s an easy walk to downtown Casper from the hotel. Berck had taken a lot of pictures along this walk and posted them in the gallery, so it was fun to spot all the objects he had photographed. Some objects he said he had shot but they didn’t come out. Casper has a nice little downtown. Our current job fortunes have us both working in Capser, oddly enough. Berck flies there, and I perform foreclosures there, but from my office in Colorado Springs. We walked past the courthouse, where I have all my Notices and Deeds recorded and the title company I use. They usually record everything for me, so felt a little better that the Recorder’s office was half a block away from them.
We stopped at the tiny record store, and I pointed out a new Son Volt CD that had just come out, one of our favorite bands. Berck decided to buy it and then realized that it was probably on an RIAA label. He felt bad for that but good for supporting a little independent record store, so maybe it evens out.
Next we stopped at the brewery, which Berck said had good beer but bad salads. He ordered a big summer ale of theirs, which I found watery but he liked, and I just had a draught Alaskan Summer Ale. I ordered the garbage burger and some French onion soup for us to split, and Berck also ordered some onion rings. Our waitress had them half the burger and gave us each a full order of fries, and the soup came with a bunch of house potato chips. The onion rings were huge, thick slices heavily breaded and pretty good. The fries and chips were good too. The soup was some crunchy onions in some bullion with croutons and cheap Parmesan—not very impressive. The garbage burger sounded much better in theory than in practice; it’s basically a surprise burger, and you’re not allowed to ask what’s on it. I ordered it with the stipulation that it not come with blue cheese, because Berck couldn’t eat it. The waitress came back with our food and proudly announced that today was pizza burger day; this consisted of a burger patty on a bun topped with marinara sauce, some mozzarella embedded with a generous helping of black olives and topped with a lengthwise sliced dill pickle. Other than the pickle, I was very unimpressed, especially since olives are about the only thing in the world I don’t like. Berck was thrilled, though, exclaiming, “I love pizza burgers!” Despite knowing I’d regret it later, I mostly ate the various forms of onions.
Our bellies filled, we wandered around downtown a bit more, venturing into the Lou Taubert Ranch Outfitters, which is several stories of cowboy gear. Here’s part of their selection of lariats.
We stopped in a bookstore, where I was hoping to find some used sci fi paperbacks, but they only sold new books. Berck fingered a slim hardcover biography of Julia Child but left it on the shelf. By now it was pretty hot, so we headed back to the hotel, pausing to watch two green BNSF engines push two to three cars at time into the old train station.
To get back, we had to cross under the Interstate and then over the North Platte River. This had a chute of water noodles threaded through with orange bailing twine ending somewhere around the next bend. We passed a guy on a bike towing his kid in a little trailer who asked, “Have the ducks gone by?”
Somehow I realized what was going to happen and what all the noodles in the water were for. Colorado Springs does the same thing to raise money. You pay a certain amount to fill out a little card with your contact info. They put it in a rubber ducky, then release all the ducks into the water at once. Whoever’s ducky comes down the river and gets shunted into the collecting area at the end of the water noodle course wins a prize.
We crossed over the river and then walked down the path downstream, where we could hear live music playing. Not only could you buy a ducky, you could also buy a barbeque dinner and some beer and listen to a very old threesome play country, oldies, and classic rock. We wandered around some and then headed back to the hotel room, where Berck had cranked the air down to 68 degrees. I found I was too tired to sit at my computer, so I curled up under the spread on the kind sized bed Berck had managed to convince the front desk to give him and read Julie & Julia in between Berck reading the actual blog to me from his computer, as we compared passages.
The book is by Julie, who back in 2002 wrote one of the first blogs out there chronicling her quest to cook every single recipe in Julia Child’s Mastering the Art of French Cooking in the space of a year. In a tiny New York apartment. When she wasn’t working as a secretary full-time downtown. Berck was a fan of the blog back when it was new, and now it’s been made into a feature film. This passage is especially for Ben, who when he was here last, proudly informed me that he had successfully made omelets the way JC shows how to do it here. When she started the project, Julie didn’t like eggs.
Still, I think it was the omelette section that really turned me around on eggs.
The diagrams in MtAoFC are always exciting. You can pretend you’re masting something really daunting, like lithography or cold fusion or something. Or maybe there’s another analogy in here somewhere:
Grasp the handle of the pan with both hands, thumbs on top, and immediately begin jerking the pan vigorously and roughly toward you at an even, 20-degree angle over the heat, one jerk per second.
It is the sharp pull of the pan toward you which throws the eggs against the lip of the pan, then back over its bottom surface. You must have the courage to be rough of the eggs will not loosen themselves from the bottom of the pan. After several jerk, the eggs will begin to thicken.
It’s not just me, is it? Surely you too think immediately of some ancient and probably very painful Japanese sex practice you vaguely remember reading about when you were in college?
Okay, maybe it’s just me.
JC writes, “A simple-minded but perfect way to master the movement is to practice outdoors with half a cupful of dried beans.” I can just picture her chortling to herself as she wrote this, thinking of all those early-sixties American housewives in their sweater sets and Mary Tyler Moore flip hairdos scattering beans all over their manicured lawns. Because simple-minded is my middle name, I followed her advice, only instead of a lawn, my pinto beans got scattered all over the grimy sidewalks of Jackson Avenue. Drivers of semis honked at me; prostitutes stared.
“Reading Julie & Julia makes me want to cook,” said Berck. “Does it you?”
“Not really,” I answered. “It makes me want to write.”
At around 4:30 we went down to the bar so that Berck could claim his free drink before it was technically too late for him to consume alcohol. The security guard Berck had told me about in the past was now working as a bartender, and complaining how he had to work instead of getting to be down with the rubber duckies (actually, I think he said “all the beer”). We were the only ones in the bar, so he chatted with us, telling us about how someone was going to end up shooting the President because he was going to take all our guns away, how his first firearm was an SKS, and how he was saving up for a crossbow for bow hunting season. Berck absolutely loves this guy. He kept us stocked with draught Shiners and huge 25 cent buffalo wings. We watched him pour several “red beers”, actually most of a beer with Clamato juice filled to the top, apparently pretty popular in Wyoming. For a hotel bar, it filled up really quickly. We were going to miss the karaoke later on.
Berck fell asleep at about 8. It took me longer, but I did too, but then dreamed about having to get correctly executed Substitution of Trustee forms to the title company downtown. We woke up right before Berck’s alarm went off and were in the van to head back to the airport at 5 a.m. on the dot. The captain flew this leg, so I got to hear Berck make his cabin announcements this time. He had another two legs to fly, so I headed home alone. I swung by the office and got a couple of hours of work done before I had to run by the store to buy o.j. and milk and then to wash the car in the drizzle. The replacement of the fire hydrant has left a pile of dirt blocking a mud puddle that forms in our driveway, which we have to splash through to get in and out of the parking lot.
Berck came home and is now attempting Julia Child’s recipe for Boeuf Bourguignon at my request.
And I’m writing about it, between blanching and peeling the pearl onions.
Dang it. WordPress has changed everything around again. I just spent five minutes trying to figure out how to add an entry. It’s like coming home at night to find all your furniture moved around. JUST LEAVE IT WHERE IT WAS ALREADY!
I’m complaining because this is about the fifth time they’ve done this.
Work has been going pretty well. This week I closed my very first file that I’d worked beginning to end, all the way from recording the Notice of Default to the sale. It made me happy, although it’s one of those sad foreclosures; the borrowers had written us long handwritten letters with check stubs attached. We’d forwarded them to the loan company, but they told us to proceed anyway.
I much prefer the ones where all the letters we send come back, VACANT scribbled on them. Then we’re doing the neighborhood a favor.
The one I’d closed was in Texas, which has laws that allow you to foreclose really quickly. I’ve got other sales that won’t happen until December and some that I haven’t even been able to set a sale date yet. Each state is different.
Which has caused me some problems. I didn’t realize that I was supposed to be including a certain sheet in some recorded documents (because no one had bothered to tell me) until recently, which meant that I had to rerecord stuff and reset sale dates. Generally, that’s not a real problem unless the loan company asks you what the hold up is and you have to do your best to explain the delay.
Lately, my biggest delay has been checks. The boss writes the checks, but she’s only been doing it twice a month or so. This is really problematic when you’re waiting on a check to send with your documents to record. This week I finally got some checks but not the ones I desperately needed to send my Notice of Defaults off to get recorded, so I went in to see the boss and said, “You’ve got more checks to give me, right?”
“Yep,” she answered, not looking up. Sure enough I got a pile of checks an hour later. Unfortunately, the ones I really needed still weren’t there.
I wasn’t sure what to do, but then one of the girls who had been out last week came in and plopped a pile of checks on my desk. “These are yours.” The boss isn’t very careful about sorting everyone’s checks, and a whole pile of mine had ended up on my coworker’s desk. Of course, she’d been out of the office, and then she’d been catching up on her work. Paying the newspaper and title companies are a lower priority than making sure you meet your day to day deadlines, so she hadn’t gotten to them until later in the week. I was thrilled to get the checks I needed and noted with despair that they’d been written a week prior. In the meantime, I’d had to tell the loan servicing company why the sale date hadn’t been set yet through the online system (we don’t actually get to talk to any real people). Fortunately, I had a really good reason why we were running later than they thought we should be–they’d been pokey sending us the documents we needed to start the process. Still I would have liked to have started these files in JUNE, for crying out loud.
So I happily sorted through my new pile of checks, quickly setting sale dates and printing out the Notices, hoping to get them out in time for when the FedEx guy came.
That’s when one of my checks disappeared.
It just vanished. I had the stub and my check request stapled together and bracketed into the file, but the check itself was gone. It will turn up, I told myself, and proceeded to finish everything else on my desk, cleaning up as I went.
It was still missing.
I started going through all the files I had open. I even went and opened one of the FedEx envelopes I had put in the basket to go out, wondering if I’d put it in there by mistake. I crawled around on the floor. I picked everything off my desk and looked under it. I started going through my files page by page or turning them upside down and shaking them.
It was nowhere.
I briefly considered crying and then realized that wouldn’t help in this situation at all. Instead, I wrote out another check request and put it on the boss’ desk. I might not start this file till August. The thought crossed my mind that while this turn of events made me very sad, it might be making the borrowers pretty happy. They’d get to stay in their house an extra month.
Because of this I was late coming home. Berck was furious. We were going to a concert, and I hadn’t left us much time for dinner beforehand. As it turned out, we had a good dinner if rushed, and got good seats. He was off the next day, so I took the day off too.
The day after that, I was back in the office. I opened one of the files that I’d just sent off for recording to call and make sure my documents had arrived okay.
There was the check.
I’d looked in this file four times, I could have sworn, but there it was, plain as day. Gleefully, I filled out the Notice of Default and put it and the check in a FedEx envelope to go out.
The next day I had a message from the online loan servicing system. “File on hold. Confirm file on hold.” I called and told the folks at the other end not to record the document I’d just sent them. I’d probably be sending another one soon.
But to definitely hang on to that check.
Maybe those borrowers are happy. Maybe they don’t even know.
