Monday, January 24, 2011

Travel Blog

I'm often asked what its like to travel all over the country. After getting stranded overnight in Atlanta (again), it occurred to me to use this blog to answer that question.

There are so many things that can be said about the life of a road warrior. Today I'll start with a basic overview.

I've been traveling extensively as part of my profession for nearly 20 years. The experiences over those years have constantly changed, as business and the travel industry have changed. Some changes for the better, others for the worse.

For those who think it's some sort of exciting and glamourous life, I'd respond you better not look for a road warrior job based on that myth.

Sure, there are lots of great features in this lifestyle. Automatic airline upgrades, hotel perks, car rental upgrades, seeing sights and cultures, some pretty good restaurants, and meeting all kinds of people are all very nice advantages.

On the other hand, the first thing those of you on the outside looking in may not understand is a key fact that it's far from a continuous vacation. Sightseeing is generally limited to the highways and skylines on the way to the office every day. Flight delays and cancellations, TSA harrassments, unethical businesspersons, frequent long hours, bad hotels, bad food, bad weather, loneliness all too often provide an offset to the upsides of the road warrior profession.

There are lots of topics available to me, and here are a few I will consider posting over the next few weeks or so:

Characteristics by Regions of the Country
Air Travel
Hotels
Rental Cars
Driving vs Flying
The Efficient Traveler
Maximizing Frequent Traveler Programs
Booking Tips

There may be more topics to develop as things move along. I'll go with my impressions of the country first, where each region can be described with certain characteristics. I definitely have my favorite regions and other regions I actively try to avoid.

Check back later for my favorite and least-favorite places to visit in North America (yes, I'm going to include Canada).

Thursday, January 20, 2011

Using the Liar Charge

I haven't been paying a lot of attention to news stuff lately because I'm too busy. Even so, I still can't avoid a continuous drumbeat coming from Democrats about the Republican efforts to overturn the healthcare bill mainly known as "Obamacare".

One thing you can't say about Democrats is that they're unfocused in their messaging. Everywhere I turn this week, I'm hearing a message that goes pretty much like this:

"Republicans are lying when they say (Obamacare) is a government takeover of healthcare".

This is a statement that should be analyzed by itself. Which is true - Obamacare is essentially a government takeover of the healthcare system, or isn't it?

If you are a Democrat, I suppose your perspective comes from the difference between what Obamacare is and what you wish it were. Since the leftward part of the Democrat party wants something they call "Single Payer", I suppose anything that falls short of that goal doesn't qualify as a government takeover.

If the standard for goverment takeover is that all Health Insurance companies go out of business and all healthcare services are paid for directly by the Federal Government, the Obamacare bill certainly fails to meet that standard.

On the other hand, if you're a Republican, the massive regulations and mandates included in Obamacare absolutely represents a government takeover of the system. Just a few components that could be interpreted as "takeover" are these:

Mandating everyone buy health insurance
Mandating what the health insurance has to cover or not cover
Mandating how much each of us must spend for our insurance premiums
Mandating who every state must cover and what they must cover in their Medicaid programs
Giving Kathleen Sebelius full power to create and enforce all healthcare regulations without congressional oversight (or oversight by anybody else)
Giving Kathleen the full power to create a central committee to decide what treatments are covered and not covered for patients based on statistical tables (what Sarah Palin called "Death Panels")
Giving HHS (Sebelius) the full power to decide which drugs are approved and not approved, apparently based on economic considerations and not clinical results.
Mandating what corporations can and can't offer their employees in their health plans
Taxing employers on health plans they provide their employees
Choosing which Insurance Companies will be allowed to participate in the new "Insurance Pools"
Taking away state-based programs and high-risk pools in favor of the Federal system

Is there a liar in this story? Is the liar a Democrat or a Republican? If you think it's me, please demonstrate to me which of the above examples is incorrect (and prove it), and I'll be happy to rescind the example.

Tuesday, January 18, 2011

Teenagers

The problem is arrested development. We're a country run by folks who are stuck in the teenage developmental stage.

Any of this sound familiar?

A teen considers a weekly allowance a right. Earning it is a foreign concept.
A teen gets all their costs of medical care, dental care, orthodontia, and hair stylists covered by Mom & Dad.
A teen expects Mom & Dad to provide a car at the 16th birthday. Plus gas money, repairs, insurance.
A teen expects lunch money every day, because only losers eat in the school cafeteria.
A teen rails against all rules and personal responsibility, whether in after-school behavior, dating, curfews, limits on TV and video games.
When a teen gets caught doing something wrong, the first defense is to blame somebody else.

See the parallels with any specific political rhetoric these days?

If you don't, perhaps you're a teenager as well.

Tuesday, January 11, 2011

Fear on the Right

When I heard the news about the shooting in Arizona, even before I knew any details beyond "Democratic Congresswoman", my first reaction was, "Here we go".

Whether the shooter was a right-wing lunatic or not, I expected that the Left would jump all over it as proof that the Right inspired him.

It's sad just how right my prediction turned out to be.

Even though the guy's about as far from a right-wing nutcase as you can imagine. But that doesn't matter to those who continue promoting the message. He shot the congresswoman and a number of other people, not because he's a murdering nutcase, but because of Sarah Palin, the Tea Party, Rush Limbaugh, Glenn Beck.

All kinds of political and celebrity types are going on television to decry the hateful and mean-spirited tone of our political discourse. At first, it seems like they mean from both sides, but it only takes a couple of minutes before you find out they're only including those from the Right.

So let's examine a few things we know about the murderer. He's likely a schizophrenic who smokes a lot of pot, has a weird satanic altar in his backyard, is an admirer of Marx and the Communist Manifesto, thinks Bush blew up the World Trade Center on 9/11, and hates Jews.

So the Left thinks we should shut down Fox News, lynch Palin, and ban all the conservative talkers from the radio airwaves. Based on nothing.

Let's see. If we try to follow their logic, then I suppose we should also lock up all pot-heads, Marxists, 9/11 Truthers, Satanists and other weird pagan occultist types, and Jew haters.

Oh yes, apparently also we need to ban guns.

It's frightening, when considering that these people are seeking the power to selectively oppress more than half of the American population, for no discernable reason other than the fact they oppose liberal policies.

If we want to cool down the rhetoric, may I suggest we start with that rhetoric that suggests that everyone who happens to hold a right-of-center philosophy is a potential lunatic mass murderer.

Monday, January 10, 2011

Colts Season Wrap

The loss to the Jets was disappointing, but not surprising. It actually was somewhat encouraging to see the Colts fight through to be in position for the victory. But their special teams, specifically the kickoff team, let them down in the end.

Of course, the defense also failed to stop the worst quarterback in the playoffs from completing the clutch passes that put the Jets close enough for an easy chip shot field goal winner as the clock clicked down to zero. The pass rush disappeared during that final drive in the final minute, probably because the Colts coaches decided to only rush 3 and try to cover.

But the 4th and 5th string defensive backs couldn't cover.

For the Colts to be back next year, it's clear they need to get their starters back healthy, but they also need to fill some holes.

They need safeties and linebackers on defense. They will give up on Bob Sanders, who has collected too many millions over the last 3 years for watching from the sideline. Gary Brackett was embarassed by the Jets' offensive line in the playoff game, and his time might be at an end.

They need offensive linemen. I love Jeff Saturday, but he couldn't block the Jets' defensive line. The tackles can't open holes for the running game, and can't give Peyton the time he needs to pick defenses apart.

They need to draft a wide receiver that's got the size and talent in the mold of Terrell Owens or Randy Moss without the baggage. (I know, like every team isn't looking for the same thing). I suspect that Reggie Wayne has lost a step. I hope Dallas Clark is able to come back healthy enough to reclaim his place at the top of the league, and combined with Tamme will make the Tight End position the best ever.

Certainly bringing in a running back or two to challenge Joseph Addai is a good idea. But I'm willing to consider that the problem with the running game this year may have had more to do with the O line than the backs.

Will the Colts fill the right holes and get and keep the other guys healthy to be back in the hunt for the Super Bowl next year? Or will they fall into mediocrity?

That's the thing about sports. Nobody knows.

Otherwise, the season's pretty much over for me. I still have a mild interest in seeing the Bears do well, and they seem to be a decent bet to make it to the NFC championship game. But I would be surprised to see them make it through to the Super Bowl.

And please, somebody must beat the Patriots. I'm no Jets fan, but will be this coming weekend, one game only.

Tuesday, January 04, 2011

Solving the Budget Crisis

Cynics point to the Tea Party folks and other conservatives and derisively challenge them with, "OK, genius, what are you going to cut to balance the budget?"

Not professing to be a genius, nonetheless here is my answer:

First, the low-hanging fruit. Eliminate every non-essential federal program and agency. Easy ones are the NEA, PBS, Education, and every other agency and bureau that contributes nothing of value to the country.

Then, slash other agencies. Reorganize Homeland Security and eliminate the TSA. Let the transportation system pay the freight for airport security and take funding away from the taxpayers.

I'm fairly convinced that we could cut money from the military by focusing on readiness and security and eliminating the ability of influential congress members to fund and maintain unnecessary weapons systems simply because they directly benefit their district or key campaign donors.

Entitlements are the toughest nut to crack. Medicare is in the most trouble, followed by Social Security. Unemployment is also a big problem. Here's a solution with heart.

Wean the government off of Social Security revenue by actually beginning to separate it out of the main federal budget. It can't be done right away, but over the span of the next 20 years or so, gradually convert the Social Security system from it's current transfer payment entitlement to an actual retirement & disability fund maintained in each citizen's name.

Something like this would make it solvent: Start with everybody under 50 getting 2% of their annual payroll tax deposited into an interest-bearing account with their name on it. The investment of this money would be in government bonds or money market funds, or while the debt is being paid off, the government can borrow from our accounts at a market interest rate. We simply can't touch the money until we retire, then it becomes a source of our retirement income. Since the percentage goes up 1% per year, within 15 to 16 years, 100% of the payroll tax is now going into the fund, and by the time those entering the workforce today retire, they will have a sweet nest egg that will fund their monthly retirement income and can be willed to their heirs at death.

Medicare's another story. The fact is that seniors need the most expensive medical care, and the cost of that care exceeds the annual income of the vast majority of these retirees.

How to escape this seemingly impossible problem is to use an approach with a philosophy that mirrors what I've written about many times before. Again, gradually over the next generation, we will gradually wean everyone off the Medical Welfare program called Medicare in favor of a realignment of the way the healthcare system pays for treatment.

Gradually change the system so that insurance is separated from both the government and the employers, and is purchased individually on the open market. Some insurance companies may choose to offer comprehensive plans that pay for prescriptions and routine care, but the most attractive policies will be what we used to call "Major Medical".

Those insurance policies cover everyone, regardless of age, for surgeries, inpatient procedures, and major illness. Employers can offer payroll deductions or even kick in contributions toward these plans if they want to, but ultimately everyone buys their own.

What will happen is providers will have to compete for patients, will have to post their rates so people can compare and make their own decisions on the best use of their available healthcare funds. No prescription drug insurance means pharmaceutical companies will no longer be able to get away with charging $100 per pill on their brand-name drugs.

Finally, Unemployment Insurance. I'd like to separate this from government entirely as well. Instead of Federal and State taxes on the employer, let the employer opt out in favor of a simple 2 percent savings plan. The employer can put 2 percent of each employee's salary into a tax-deductable, interest-bearing account. The employee can elect to contribute up to 2 percent of their own salary into the same account, using pre-tax dollars in the same way they can save for retirement in a 401K.

If the employee loses his or her job, for any reason, the cash value of their unemployment account immediately becomes available. The employee can take the money, pay the tax on it at normal marginal rates, and spend it as they see fit. Or they can choose to take it in a weekly payout to tide them over while they look for a new job. Or they can roll it over into their IRA, just like they can roll over their 401K when leaving an employer. Or they can roll it over into the Unemployment Fund at their next employer.

All these ideas represent freedom, help provide security for people, and still give us all the ability to make our own financial decisions.

If someone chooses not to buy the major medical policy, if they get very ill or severly injured, they're on their own. The providers will still treat them, but can take all their assets. But the individual has the freedom to make that choice.

If someone gets laid off and cashes out their unemployment account, then goes to Vegas and blows every last dollar, that's their choice. But there's no help for them from the government. They are bankrupt by their own choice, and must make their own decision on where to go from there.

Some might say that we have to take care of even these irresponsible folks who make the wrong choices and end up broke. I'll only agree to a point - the rest of us can and will have compassion toward these folks, but that doesn't mean we all chip in to give them a free house, free medical care, free food, etc. I think they should always have a place to go where they can get a roof over their head and food to eat, but if able-bodied, they should return some service for those handouts.

More about that some other time.

But imagine that the government is no longer in the business of handing out Social Security checks, Unemployment checks, or checks to our parents' doctors and hospitals. Suppose we cut them out of the process, in essence removing the "middle man" who skims way to much off the top.

It will not only solve our government's budget crisis, but result in better lives for all of us.

Monday, January 03, 2011

Colts Playoff Prospects

My pessimism showed yesterday, when Dominic Rhodes fumbled the ball and appeared to hand a victory to the Tennessee Titans late in the fourth quarter. The Jacksonville loss already assured, we knew the Colts were in the playoffs regardless, but handing a close game to the Titans wasn't the way I'd hoped to see them earn the spot.

The Titans' gift of a fumbled center snap assured the Colts of the 3rd seed over Kansas City, which is theoretically a better route to another hoped-for Super Bowl appearance. But realistically, it would take a miracle for this year's version of the team with the horseshoe to make it that far.

The Colts get the Jets at home next weekend, which may be preferable to the Ravens. But these Colts will be hard-pressed to win against either of those teams.

If somehow they can overcome the Jets, the Colts then will have to travel to Pittsburgh to face the Steelers in their icy stadium. This game is certainly preferable to having to face New England in their similarly frigid venue, but again would seem to require a combination of the Colts playing above their heads while catching more than a couple of breaks to escape with a win.

Finally, assuming they overachieve and win against both the Jets and Steelers, taking the AFC championship from the hottest team in the NFL would seem impossible.

If Peyton and his makeshift offense can be productive, eliminate turnovers and penalties, and get guys like Garcon and White and Tamme to play out of their minds, maybe they have a chance. If the Colts defense can find consistency, stringing together 3 good stops in a row instead of 2, shutting down the run and the pass, maybe there's a slim chance.

One thing I can say definitively; if this Colts team makes it to the Super Bowl, it will exceed their previous Super Bowl accomplishments. Even if they lose in the Super Bowl, just getting there with this team is more impressive than the other two trips, when they were expected to make it and win. Nobody expects this team to get there.

The pessimist in me thinks next week's game against the Jets will end their run for this year. But I'll still maintain a faint hope that they can somehow overachieve and find their way to Dallas for the big game next month.