Washington. The One-Stop Money Shop

Now that April Fool’s Day is almost over… Seriously. ObamaCare!?! Too bad it wasn’t just some cruel joke.

Just in time to snap you back to reality, take a look at this.

Powerhouse student loan provider Sallie Mae says layoffs are imminent as a result of President Obama’s new student loan overhaul.

“This legislation will force Sallie Mae to reduce our 8,600-person workforce by 2,500,” Conwey Casillas, Vice President of Sallie Mae Public Affairs, said in a statement to Fox News.

Twenty-nine percent of the people who work for Sallie Mae are going to lose their jobs just because of the student loan overhaul.

What? Oh, you didn’t know? In the reconciliation package for the health-care bill, which was sent to the President for his signature, was a complete overhaul of the student loan process in the United States.

In addition to being the nation’s leading banker, insurance agent, mortgage company, and wall street investment firm, the United States government will now be the sole provider of student loans.

You wanted change America. You definitely got change America.

In the old days, when you had a student loan, you just kept paying and paying until it’s paid off. My wife had just finished paying off a student loan before we got married, but she paid it off. Now, with Obama Savings & Loan, students who pay for 20 years will have the balance written off at that time, unless they work in public service or for a non-profit, then the cutoff is 10 years.

So who do you think is going to pay for all those balances that get “written off”? That’s right. John Q. Taxpayer. The same John Q. Taxpayer who is already paying for bankswho keep their doors open for you, Wall Street investment firms who keep trading your stocks for you, insurance companies who keep insuring you, and mortgage companies who make sure you stay in your house.

I don’t know where President Obama got the idea, but John Q. Taxpayer is not as rich as he thinks he is.

On a side note, did you return your Census form? If you didn’t you might get a visit from a real life human being going door to door to get that information from you. Or not.

April 1 was Census Day – a day marked by events to remind people to return their census questionnaires. But some Census workers were abruptly dismissed from their part-time jobs on Census Day with no explanation.

In Northern Virginia, hundreds of Census workers were told on Thursday to turn in all materials, including partially completed enumeration assignments, because the Group Quarters Enumeration project was being canceled.

So much for those “awesome” unemployment numbers, huh? Just remember. Be patient.

Facing a public still wary of his massive health care overhaul, President Barack Obama urged Americans not to judge the nearly $1 trillion legislation he signed into law last week until the reforms take hold.

Many of the “reforms” don’t take effect until 2014, which is the very reason we were RUSHING the legislation in the first place, right?

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Unsustainable Change. Don’t Buy It

It’s about time someone told this guy to take a hike.

Dozens of TEA Party organizations have denounced his candidacy as a fraud. He is not associated with any of those organizations in the state of Nevada, yet he is running as the “tea party candidate”.

My only guess is he’s into sipping tea from dainty little cups. If not, then he’s nothing more than a big fat liar.

Speaking of liars, did you know that the new health care bill will cost businesses billions of dollars in additional health care costs and result in the layoffs of more and more people as their employers become aware of the costs they will incur.

While 40 different states have some sort of legislation in the works to overturn ObamaCare, some people are still trying to convince us that the health care bill was passed for “good reasons”.

The mandate’s defenders say Congress is exercising its power to “regulate commerce…among the several states.” Yet a law that compels people to engage in an intrastate transaction plainly does not fit within the original understanding of the Commerce Clause, which was aimed at facilitating the interstate exchange of goods by removing internal trade barriers.

Of course, not everyone is drinking the kool-aid. In fact, roughly 70% of the American people are refusing to drink the kool-aid.

Yet this is the logic of the health insurance mandate, an unprecedented attempt to punish people for the offense of living in the United States without buying something the federal government thinks they should have. Don’t buy it.

Then again, if you are one of the 30% or so that is happy with the health-care bill, take a moment to bask in the knowledge that you are one with Fidel Castro.

We consider health reform to have been an important battle and a success of his (Obama’s) government…

But even Fidel Castro doesn’t get it.

Cuba provides free health care and education to all its citizens, and heavily subsidizes food, housing, utilities and transportation, policies that have earned it global praise. The government has warned that some of those benefits are no longer sustainable given Cuba’s ever-struggling economy, though it has so far not made major changes.

In recent speeches, Raul Castro has singled out medicine as an area where the government needs to be spending less, but he has not elaborated.

Universal health care. Unsustainable costs. Imagine that. You wanted change, America. You got it.

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Forced Health-Care Is Unconstitutional

The passage of the health-care bill signaled a change in our country. No longer are we the free people we were just a couple days ago.

Under this new plan you will be forced to carry health insurance or face a fine. You will be required to pay specific amounts for that health care. The amount you pay will be determined by the IRS based on your income. If you don’t purchase a government approved health-care plan, you will be fined and/or go to jail.

Never before in our country’s history have the American people been forced to purchase any product, be it food, clothing, insurance, or otherwise. Some people are using the “you are required to purchase auto insurance aren’t you” argument, but that doesn’t fly. Laws concerning auto insurance are state laws, not federal laws. Under the 10th Amendment to the Constitution, the federal government does not possess the authority to do this.

The powers not delegated to the United States by the Constitution, nor prohibited by it to the States, are reserved to the States respectively, or to the people.

Health-care for everyone may sound good, but forced health-care insurance is unconstitutional at the very basic level in the Bill Of Rights.

There are a lot more issues with ObamaCare than the unconstitutionality of it, and I’ll discuss some of those over the coming week or so. For today, here are some more links about the bill.

It didn’t even get out of the gate and ObamaCare is doomed.

The ink isn’t even dry and attorneys general across the nation have filed suit against the bill.

Tomorrow is another day, and I am sure there will be 1,000 more reasons why ObamaCare will never be enacted.

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The Assault On Our Constitution

Well, there you have it. 219 Democrats have made an all-out assault on our Constitution. As you know by now, the health-care bill has passed.

Since most of you still don’t know exactly what’s in the bill, why not review these 20 ways that ObamaCare will take away our freedoms. These are so important I am quoting the entire list here.

1. You are young and don’t want health insurance? You are starting up a small business and need to minimize expenses, and one way to do that is to forego health insurance? Tough. You have to pay $750 annually for the “privilege.” (Section 1501)

2. You are young and healthy and want to pay for insurance that reflects that status? Tough. You’ll have to pay for premiums that cover not only you, but also the guy who smokes three packs a day, drink a gallon of whiskey and eats chicken fat off the floor. That’s because insurance companies will no longer be able to underwrite on the basis of a person’s health status. (Section 2701).

3. You would like to pay less in premiums by buying insurance with lifetime or annual limits on coverage? Tough. Health insurers will no longer be able to offer such policies, even if that is what customers prefer. (Section 2711).

4. Think you’d like a policy that is cheaper because it doesn’t cover preventive care or requires cost-sharing for such care? Tough. Health insurers will no longer be able to offer policies that do not cover preventive services or offer them with cost-sharing, even if that’s what the customer wants. (Section 2712).

5. You are an employer and you would like to offer coverage that doesn’t allow your employees’ slacker children to stay on the policy until age 26? Tough. (Section 2714).

6. You must buy a policy that covers ambulatory patient services, emergency services, hospitalization, maternity and newborn care, mental health and substance use disorder services, including behavioral health treatment; prescription drugs; rehabilitative and habilitative services and devices; laboratory services; preventive and wellness services; chronic disease management; and pediatric services, including oral and vision care.

You’re a single guy without children? Tough, your policy must cover pediatric services. You’re a woman who can’t have children? Tough, your policy must cover maternity services. You’re a teetotaler? Tough, your policy must cover substance abuse treatment. (Add your own violation of personal freedom here.) (Section 1302).

7. Do you want a plan with lots of cost-sharing and low premiums? Well, the best you can do is a “Bronze plan,” which has benefits that provide benefits that are actuarially equivalent to 60% of the full actuarial value of the benefits provided under the plan. Anything lower than that, tough. (Section 1302 (d) (1) (A))

8. You are an employer in the small-group insurance market and you’d like to offer policies with deductibles higher than $2,000 for individuals and $4,000 for families? Tough. (Section 1302 (c) (2) (A).

9. If you are a large employer (defined as at least 50 employees) and you do not want to provide health insurance to your employee, then you will pay a $750 fine per employee (It could be $2,000 to $3,000 under the reconciliation changes). Think you know how to better spend that money? Tough. (Section 1513).

10. You are an employer who offers health flexible spending arrangements and your employees want to deduct more than $2,500 from their salaries for it? Sorry, can’t do that. (Section 9005 (i)).

11. If you are a physician and you don’t want the government looking over your shoulder? Tough. The Secretary of Health and Human Services is authorized to use your claims data to issue you reports that measure the resources you use, provide information on the quality of care you provide, and compare the resources you use to those used by other physicians. Of course, this will all be just for informational purposes. It’s not like the government will ever use it to intervene in your practice and patients’ care. Of course not. (Section 3003 (i))

12. If you are a physician and you want to own your own hospital, you must be an owner and have a “Medicare provider agreement” by Feb. 1, 2010. (Dec. 31, 2010 in the reconciliation changes.) If you didn’t have those by then, you are out of luck. (Section 6001 (i) (1) (A))

13. If you are a physician owner and you want to expand your hospital? Well, you can’t (Section 6001 (i) (1) (B). Unless, it is located in a county where, over the last five years, population growth has been 150% of what it has been in the state (Section 6601 (i) (3) ( E)). And then you cannot increase your capacity by more than 200% (Section 6001 (i) (3) (C)).

14. You are a health insurer and you want to raise premiums to meet costs? Well, if that increase is deemed “unreasonable” by the Secretary of Health and Human Services it will be subject to review and can be denied. (Section 1003)

15. The government will extract a fee of $2.3 billion annually from the pharmaceutical industry. If you are a pharmaceutical company what you will pay depends on the ratio of the number of brand-name drugs you sell to the total number of brand-name drugs sold in the U.S. So, if you sell 10% of the brand-name drugs in the U.S., what you pay will be 10% multiplied by $2.3 billion, or $230,000,000. (Under reconciliation, it starts at $2.55 billion, jumps to $3 billion in 2012, then to $3.5 billion in 2017 and $4.2 billion in 2018, before settling at $2.8 billion in 2019 (Section 1404)). Think you, as a pharmaceutical executive, know how to better use that money, say for research and development? Tough. (Section 9008 (b)).

16. The government will extract a fee of $2 billion annually from medical device makers. If you are a medical device maker what you will pay depends on your share of medical device sales in the U.S. So, if you sell 10% of the medical devices in the U.S., what you pay will be 10% multiplied by $2 billion, or $200,000,000. Think you, as a medical device maker, know how to better use that money, say for R&D? Tough. (Section 9009 (b)).

The reconciliation package turns that into a 2.9% excise tax for medical device makers. Think you, as a medical device maker, know how to better use that money, say for research and development? Tough. (Section 1405).

17. The government will extract a fee of $6.7 billion annually from insurance companies. If you are an insurer, what you will pay depends on your share of net premiums plus 200% of your administrative costs. So, if your net premiums and administrative costs are equal to 10% of the total, you will pay 10% of $6.7 billion, or $670,000,000. In the reconciliation bill, the fee will start at $8 billion in 2014, $11.3 billion in 2015, $1.9 billion in 2017, and $14.3 billion in 2018 (Section 1406).Think you, as an insurance executive, know how to better spend that money? Tough.(Section 9010 (b) (1) (A and B).)

18. If an insurance company board or its stockholders think the CEO is worth more than $500,000 in deferred compensation? Tough.(Section 9014).

19. You will have to pay an additional 0.5% payroll tax on any dollar you make over $250,000 if you file a joint return and $200,000 if you file an individual return. What? You think you know how to spend the money you earned better than the government? Tough. (Section 9015).
That amount will rise to a 3.8% tax if reconciliation passes. It will also apply to investment income, estates, and trusts. You think you know how to spend the money you earned better than the government? Like you need to ask. (Section 1402).

20. If you go for cosmetic surgery, you will pay an additional 5% tax on the cost of the procedure. Think you know how to spend that money you earned better than the government? Tough. (Section 9017).

I am sick to my stomach thinking of everything that will transpire because of the passing of this bill.

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Bart Stupak Is A “Pro-Lie” Democrat

In the end, it doesn’t matter what Rep. Bart Stupak (D-MI) says. When he said he would not vote for the health care bill if it contained any provision that would allow for taxpayer funded abortions, he lied.

Surprise. Bart Stupak is not a “pro-life” Democrat. He’s a “pro-lie” Democrat.

In October, he claimed on this video, that he would vote for the health care bill irregardless of any pro-death clauses within the bill.

 

The Executive Order didn’t matter. Any deal with Nanny State Nancy didn’t matter. He was voting for the bill either way. He was just playing a game with his constituents and the American people.

Bart Stupak gets an “F” for honesty and integrity, thereby making him the new face of “pro-lie” Democrats all across this country.

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Selling Out At The Last Minute

Here is the text of the Executive Order which will be signed by President Obama AFTER the health care bill passes the House. Self-proclaimed “pro-life” Rep. Bart Stupak (D-MI) held a press conference just minutes ago stating that he would support the health care bill on “principle” because of this executive order.

Please remember, no Executive Order can trump law. The current laws make abortion legal. The health care bill provides for federal funding of abortions. The bill, if passed, will become law. No Executive Order can trump law. The Executive Order becomes null and void the moment President Barack Obama signs the bill into law.

Bart Stupak sold out for a useless piece of paper. If he wanted a piece of paper worth something, I have a whole roll of it he could have.

ENSURING ENFORCEMENT AND IMPLEMENTATION OF ABORTION RESTRICTIONS IN THE PATIENT PROTECTION AND AFFORDABLE CARE ACT

By the authority vested in me as President by the Constitution and the laws of the United States of America, including the “Patient Protection and Affordable Care Act” (approved March ¬¬__, 2010), I hereby order as follows:

Section 1. Policy.

Following the recent passage of the Patient Protection and Affordable Care Act (“the Act”), it is necessary to establish an adequate enforcement mechanism to ensure that Federal funds are not used for abortion services (except in cases of rape or incest, or when the life of the woman would be endangered), consistent with a longstanding Federal statutory restriction that is commonly known as the Hyde Amendment. The purpose of this Executive Order is to establish a comprehensive, government-wide set of policies and procedures to achieve this goal and to make certain that all relevant actors—Federal officials, state officials (including insurance regulators) and health care providers—are aware of their responsibilities, new and old.

The Act maintains current Hyde Amendment restrictions governing abortion policy and extends those restrictions to the newly-created health insurance exchanges. Under the Act, longstanding Federal laws to protect conscience (such as the Church Amendment, 42 U.S.C. §300a-7, and the Weldon Amendment, Pub. L. No. 111-8, §508(d)(1) (2009)) remain intact and new protections prohibit discrimination against health care facilities and health care providers because of an unwillingness to provide, pay for, provide coverage of, or refer for abortions.

Numerous executive agencies have a role in ensuring that these restrictions are enforced, including the Department of Health and Human Services (HHS), the Office of Management and Budget (OMB), and the Office of Personnel Management (OPM).

Section 2. Strict Compliance with Prohibitions on Abortion Funding in Health Insurance Exchanges.

The Act specifically prohibits the use of tax credits and cost-sharing reduction payments to pay for abortion services (except in cases of rape or incest, or when the life of the woman would be endangered) in the health insurance exchanges that will be operational in 2014. The Act also imposes strict payment and accounting requirements to ensure that Federal funds are not used for abortion services in exchange plans (except in cases of rape or incest, or when the life of the woman would be endangered) and requires state health insurance commissioners to ensure that exchange plan funds are segregated by insurance companies in accordance with generally accepted accounting principles, OMB funds management circulars, and accounting guidance provided by the Government Accountability Office.

I hereby direct the Director of OMB and the Secretary of HHS to develop, within 180 days of the date of this Executive Order, a model set of segregation guidelines for state health insurance commissioners to use when determining whether exchange plans are complying with the Act’s segregation requirements, established in Section 1303 of the Act, for enrollees receiving Federal financial assistance. The guidelines shall also offer technical information that states should follow to conduct independent regular audits of insurance companies that participate in the health insurance exchanges. In developing these model guidelines, the Director of OMB and the Secretary of HHS shall consult with executive agencies and offices that have relevant expertise in accounting principles, including, but not limited to, the Department of the Treasury, and with the Government Accountability Office. Upon completion of those model guidelines, the Secretary of HHS should promptly initiate a rulemaking to issue regulations, which will have the force of law, to interpret the Act’s segregation requirements, and shall provide guidance to state health insurance commissioners on how to comply with the model guidelines.

Section 3. Community Health Center Program.

The Act establishes a new Community Health Center (CHC) Fund within HHS, which provides additional Federal funds for the community health center program. Existing law prohibits these centers from using federal funds to provide abortion services (except in cases of rape or incest, or when the life of the woman would be endangered), as a result of both the Hyde Amendment and longstanding regulations containing the Hyde language. Under the Act, the Hyde language shall apply to the authorization and appropriations of funds for Community Health Centers under section 10503 and all other relevant provisions. I hereby direct the Secretary of HHS to ensure that program administrators and recipients of Federal funds are aware of and comply with the limitations on abortion services imposed on CHCs by existing law. Such actions should include, but are not limited to, updating Grant Policy Statements that accompany CHC grants and issuing new interpretive rules.

Section 4. General Provisions.

(a) Nothing in this Executive Order shall be construed to impair or otherwise affect: (i) authority granted by law or presidential directive to an agency, or the head thereof; or (ii) functions of the Director of the Office of Management and Budget relating to budgetary, administrative, or legislative proposals.

(b) This Executive Order shall be implemented consistent with applicable law and subject to the availability of appropriations.

(c) This Executive Order is not intended to, and does not, create any right or benefit, substantive or procedural, enforceable at law or in equity against the United States, its departments, agencies, entities, officers, employees or agents, or any other person.

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