Thursday, March 29, 2012

Insurance or Redistribution? | The Baseline Scenario

By James Kwak

Mark Thoma makes an important point about the ?individual mandate? that applies equally well to health care and to Social Security:

?I don?t see anything wrong with asking people to pay the expected value of their health care ? a mandate to get insurance to cover the catastrophic things that society would cover in any case ? to avoid this type of gaming of the system. Yes, it?s true that many healthy people will pay, remain healthy, and seem to get nothing. But that?s the wrong way to look at it. They have insurance whether they pay for it or not. Society will not let them die of a standard, treatable illness so insurance services are present. In fact, it?s the knowledge that society is providing these services that motivates many people to take a chance and go without.?

This is the relatively common argument that, since people already have guaranteed access to a basic level of emergency care, they should have to pay for it.

There?s a slightly different point in there that I emphasized above and that I want to focus on. Health insurance, like any kind of insurance, can be framed after the fact as redistribution. You pay health insurance premiums, you stay healthy, and therefore you ?lose??your money goes to pay for other people?s losses. But this is true of any kind of insurance. It?s equally true of homeowner?s insurance: if your house doesn?t burn down, you are the victim of redistribution from you to the people whose houses do burn down.

The other way to think of insurance is, well, as insurance. We want and value insurance in the current period, before we know if we?ll be ?winners? or ?losers? in the future period. The insurance itself has value to us. In fact, whenever you buy insurance, you are hoping that you will end up as a loser.

The framing of the health care individual mandate as a transfer from the healthy to the sick is the exact same as the framing of tax-funded social insurance programs as a transfer from the rich to the poor. At the time you enter the system, you probably don?t know which category you will fall into. You might have some knowledge of the probabilities, but you could turn out to be very wrong: there are plenty of people who are healthy in their twenties but get very sick later. In either case, the framing as redistribution and the focus on winners and losers is a way of making something that all people value?protection from risk, backed by the federal government?s balance sheet?seem like a from of zero-sum redistribution brokered by that evil, meddling federal government.

Source: http://baselinescenario.com/2012/03/28/insurance-or-redistribution/

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Wednesday, March 21, 2012

Iran will attack to defend itself: Khamenei

[ [ [['Witnesses said the gunman pulled up on a black scooter', 7]], 'http://yhoo.it/GzwOIW', '[Related: New York police tighten security at Jewish sites]', ' ', '630', ' ', ' ', ], [ [['test Zimmerman for alcohol or drugs', 11]], 'http://yhoo.it/Gzn6VF', '[Related: White House says Trayvon Martin is local issue]', ' ', '630', ' ', ' ', ], [ [['The public radio show This American Life has', 2]], 'http://yhoo.it/AaEZ6u', '[Related: Mike Daisey Says Technology Is New Religion]', ' ', '630', ' ', ' ', ], [ [['Apple fanboy Mike Daisey that aired in early January', 6]], 'http://yhoo.it/zAwXWV ', '[Related: The Darker Side of Apple]', ' ', '630', ' ', ' ', ], [ [['I think that these guys are getting mercilessly picked apart', 3]], 'http://yhoo.it/FOlkib', '[Related: Invisible Children defends Kony 2012 film in new video]', ' ', '630', ' ', ' ', ], [ [['With U.S.-Afghanistan relations in crisis', 11]], 'http://news.yahoo.com/blogs/ticket/no-afghanistan-obama-campaign-video-021313177.html', '[Related: No ?Afghanistan? in new Obama campaign video]', ' ', '630', ' ', ' ', ], [ [['Jon Stewart weighed in on the Rush Limbaugh', 2]], 'http://news.yahoo.com/rush-limbaughs-slut-controversy-proves-staying-power-100110062--abc-news.html', '[Related: Rush Limbaugh comment controversy proves it has staying power]', ' ', '630', ' ', ' ', ], [ [['Mammadyarov said democratisation', 11]], 'http://news.yahoo.com/russian-grannies-win-bid-sing-eurovision-095946819.html', '[Related: Russian grannies win bid to sing at Eurovision]', ' ', '630', ' ', ' ', ], [ [['A massive manhunt is underway in France on Monday', 4]], 'http://yhoo.it/Gzy0M9', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/d/b4/db49ba9fa9a9bb5b59d2503822dd212c.jpeg', '630', ' ', 'AP/Manu Blondeau', ], [ [['With U.S.-Afghanistan relations in crisis', 1]], 'http://news.yahoo.com/photos/civilians-killed-in-afghanistan-attack-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/7/82/782db3234689df989a5b05a09e71511c.jpeg', '630', ' ', 'Reuters/Naseer Ahmed', ], [ [['Rutgers', 7]], 'http://news.yahoo.com/photos/tyler-clementi-cyberbullying-trial-begins-1329842758-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/cv/ip/ap/default/120316/ravi.jpg', '630', ' ', 'Reuters', ], [ [['xxxxxxxxxxxx', 11]], 'http://news.yahoo.com/photos/russian-grannies-win-bid-to-sing-at-eurovision-1331223625-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/1/56/156d92f2760dcd3e75bcd649a8b85fcf.jpeg', '500', ' ', 'AP', ] ]

[ [ [['A gunman who killed four people', 10]], ', '0' ], [ [['Seeking to elevate his candidacy back to a general', 8]], '28660934', '0' ], [ [['The tragic story of Trayvon Martin', 4]], '28647343', '0' ], [ [['Karzai will get a chance soon to express', 8]], '28630306', '0' ], [ [['powerful storms stretching', 8]], '28493546', '0' ], [ [['basic norm that death is private', 6]], '28413590', '0' ], [ [['songwriter also saw a surge in sales for her debut album', 6]], '28413590', '1', 'Watch music videos from Whitney Houston ', 'on Yahoo! Music', 'http://music.yahoo.com' ], [ [['keyword', 99999999999999999999999]], 'videoID', '1', 'overwrite-pre-description', 'overwrite-link-string', 'overwrite-link-url' ] ]

Source: http://news.yahoo.com/iran-attack-defend-itself-khamenei-152256994.html

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What to Consider in Disney Orlando Leases | Diggify App News

Getting around the world-class parks in Disneyland, Orlando will desire you to live in one of Disney Orlando Leases. From all these leases, your family members can also enjoy their magical experience in Disney. Give yourself a break per week or so and have a great time as taking pleasure in your trip! However, what are those things you need to consider in Disney Orlando rentals? Instead of picking out a hotel, consider renting a great and cozy home from Disney Orlando leases. Even though it can?t offer a wonderful accommodation compared with a hotel, it can extend its limitless chances in order to generate a great relationship between family members. Yet how can you choose an excellent rental house to take pleasure from your holiday?1st thing and main, be sure to select one which can suit your taste and budget. There are particular factors that can allow you to decide which house is better on a trip stay. Among these factors consists of rental room, therefore ask yourself if you want a family room or huge bedroom. Do you also own a car as on a trip? If yes, you?ll require a private garage or an extra room enough to park your vehicle along. In addition, might as well rent a house which can truly make you feel like residing in Orlando permanently. It should pleasantly call to mind the same old spot back home!

In addition, you need to try to look closely if it?s been completely furnished. If it?s recently painted, the better as it may be a comfortable abode to stay for over a week. Or else, choose a home with a private pool to ensure that everybody can have sometime to relax at the end of the day. Private pool is rather more convenient as children can begin to play there as you prepare a special dinner for your loved ones! Right now speaking regarding your kids? activities, gone are those days when they can?t play for long hours as on a vacation. Take into account games devices and pool tables that are general to most Disney Orlando rentals.

As you think about all of these issues, it furthermore does not mean that you must suffer from doing household chores! If you?re more than willing to rent a home situated on theme parks or resorts, it can still be probable to take pleasure from a vacation without problems. Housekeeping, laundry and other service will all be under the management?s care. If in case your family would travel with your pet, opt to locate a house rental that?s pet-friendly. It is another point to consider for house rental as it tends to maintain your pet with you while having a vacation. Thus this type of arrangement, nonetheless, can not be provided by luxurious hotels in Disney Orlando. Definitely , your budget is put at risk especially if you wish a luxurious vacation. You?ll have to pay an extra charge for that once-in-a life-time holiday of yours! Your finances is worth to spend since security in Orlando is safe so no require to stress about. Finally, it would be time to relax, settle-back and enjoy your wonderful vacation!

Georgette Adanas has been writing articles or reviews on Disney Orlando rentals since 1999.

This entry was posted in Travel & Leisure and tagged Disney Orlando rentals. Bookmark the permalink.

Source: http://www.diggifyapp.com/what-to-consider-in-disney-orlando-leases/

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Tuesday, March 20, 2012

The summary about receiving The best Health and fitness Workout ...

personal trainer los angeles Personal training gyms inside M an are likely to arise far and wide.

personal trainer los angeles The problem is, although? you ought to which is the leading to your account?

A product or service to consider may be the varieties of trainers.

A single. Precisely how skilled is it?

Youre going to be stunned while using answers that you choose to acquire when you lower around serious.

A pair of. What on earth is its experience level?

This might be crucial. Question the individuals along at the fitness gymnasium precisely what his or her effects are actually. Anybody can offer anything? but behavior converse noisier in comparison with words and phrases.

3 or more. How usually are they will intending to deal with people?

Specifically for under a new M your personal training fitness center, it is a crucial problem.

Lastly, and even more importantly? it is wise to check with,

4. The way is the fitness instructor learned?

Such as, some individuals think that doing exercises more is more great for anyone? even though suggest that anyone buy greater effects (in both weight loss is actually normal workout rewards) by means of coaching Much less. The fact is, the kind of fitness center promoters working out for less than any half-hour each week, in addition to claims you can improve results compared to you may using an usual routine.

The rationale is that whenever you add to your power in addition to precision of every exercising, our body responds several and also for (for as much as days to weeks pursuing every single workout). In a half-hour obtain just for this gymnasium, each one new member harmonizes with a training trainer so that you can increment power and also precision in Seven different methods. Just about all 8 are applied together, guaranteeing a much more in depth work out throughout far less occasion? using speedier benefits.

Source: http://answers.new-technology-news.net/computer/the-summary-about-receiving-the-best-health-and-fitness-workout-time-center-within-ur-any-back/

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Monday, March 12, 2012

The Fish Bowl ? Family pet Supplies Fish Entrepreneurs Wish to ...

Just about everyone is aware of and has noticed your basic fish in the fish dish, or perhaps you have even held fish in the dish your self.Click for more details A lot of seafood fans, however, are quick to indicate your harmful effects which be a consequence of maintaining seafood in the dish. Getting held in bowls may have something to do with your quick amounts of time they often are living. Goldfish don?t need much proper care because of their hardy character. You?d think that a proper beast similar to this would previous much longer but you, fish may develop much bigger in space in the long run and many individuals do not understand this particular. Sea food on this character will require room enough to grow in the way in which we were holding designed; a dish just isn?t sufficient area. That is why a large tank is just about the recommended dog items seafood masters need to spend money on.

Your dog items seafood masters require needs to be more than simply a dish for virtually any seafood. Locating a filtering in the area in places you keep your seafood will permit these phones live in a cleaner and healthy environment ? clearing away prospective threats towards the ecosystem. Most of the people which keep seafood in the dish never ever concern them selves using stuff like filtration, which also clarifies precisely why seafood in the dish never are living as long because seafood in the fish tank.

Your dog items seafood masters ought to acquire can be high-priced, and many believe a fish dish is surely an economical alternative to this problem. Sea food live creatures being a feline or even a puppy. The actual healthy home and comfy living space that you?d give bigger pets must furthermore be provided for the seafood. Deciding to go for a much more comprehensive tank setup that can offer your own seafood a happy home exactly where they could create without having competitors is one area that you, like a pet owner, ought to do.

This entry was posted in Uncategorized and tagged pets care tips by Mark. Bookmark the permalink.

Source: http://liposukce-praha.info/?p=831

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Source: http://mirafortinir.posterous.com/the-fish-bowl-family-pet-supplies-fish-entrep

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Monday, March 5, 2012

Conflicting accounts over Afghan Quran burnings

FILE - In this Feb. 24, 2012 file photo, Afghans burn an effigy representing U.S. President Barack Obama during an anti-U.S. protest in Ghani Khail, east of Kabul, Afghanistan over the burning of Qurans at a U.S. military base. Two U.S. troops were gunned down by an Afghan soldier and his accomplice Thursday, March 1, 2012, the latest of six American service members killed by their Afghan partners since the burning of Muslim holy books last week sent anti-Americanism soaring in a nation that has long distrusted foreigners. (AP Photo/Rahmat Gul, File)

FILE - In this Feb. 24, 2012 file photo, Afghans burn an effigy representing U.S. President Barack Obama during an anti-U.S. protest in Ghani Khail, east of Kabul, Afghanistan over the burning of Qurans at a U.S. military base. Two U.S. troops were gunned down by an Afghan soldier and his accomplice Thursday, March 1, 2012, the latest of six American service members killed by their Afghan partners since the burning of Muslim holy books last week sent anti-Americanism soaring in a nation that has long distrusted foreigners. (AP Photo/Rahmat Gul, File)

FILE - In this Feb. 24, 2012 file photo, Afghans shout anti-American slogans during an anti-U.S. protest in Ghani Khail, east of Kabul, Afghanistan over the burning of Qurans at a U.S. military base. Two U.S. troops were gunned down by an Afghan soldier and his accomplice Thursday, March 1, 2012, the latest of six American service members killed by their Afghan partners since the burning of Muslim holy books last week sent anti-Americanism soaring in a nation that has long distrusted foreigners. (AP Photo/Rahmat Gul, File)

(AP) ? An investigation into the burning of Muslim holy books at a U.S. military base has found it was a mistake involving at least five Americans who may face a disciplinary review, a Western official said Saturday, but Afghan investigators claimed it was an intentional desecration.

The conflicting accounts highlight rising tensions between the two countries despite apologies by President Barack Obama and other U.S. officials following the Feb. 20 discovery of charred Qurans and other religious literature in a burn pit at Bagram air base, north of Kabul.

Anger over the burnings already has led the deaths of more than 30 Afghans during violent protests as well as six U.S. soldiers who were shot and killed by ROGUE Afghan security forces.

A Western official told The Associated Press that preliminary findings from a joint investigation by senior Afghan and U.S. military officials that was ordered by Marine Gen. John Allen has convinced them that although mistakes were made, there was no intent to desecrate the Qurans or other material.

The official, who has knowledge of the investigation but spoke on condition of anonymity because of the sensitivity of the case, said it could lead to a disciplinary review of at least five U.S. military personnel involved. The official did not elaborate, and it was unclear what such a review could recommend.

The controversy began when Qurans and other Islamic texts were removed from the library at the Parwan Detention Facility, then taken to the burn pit at the adjoining Bagram Air Field.

The Western official confirmed earlier reports that extremist inscriptions were found inside the texts, including notations apparently scribbled by detainees exchanging messages. He said that after the writings were discovered, two Afghan-American interpreters were assigned to go through the library materials, and 1,652 items were removed and placed in boxes.

A decision was made to dispose of the material because of a lack of storage space and the notes inside, but a group of three soldiers on a garbage detail removed the books before that could be done properly, the official said. He said the soldiers had no idea what they were throwing into the burn pit and insisted none of the material was destroyed before it was removed by Afghan workers.

However, Maulvi Khaliq Dad, a top Afghan religious leader who was on a different panel appointed by President Hamid Karzai to investigate the incident, claimed the burning was intentional.

Dad said U.S. officials informed Afghan authorities about their suspicions that notes inside the books were being used as a way for detainees to communicate with comrades outside the prison. The Americans believed that a bookseller, who had a contract to take care of the library, was acting as a mediator and told him not to show up for work on the day that two translators were scouring the materials.

The translators later told the Afghan delegation that U.S. officials had told them that the books pulled from the shelves were headed for storage.

According to Dad's account, the books were kept in a place where refuse is picked up and taken to a garbage burn pit on the base. Afghan workers at the base noticed that they were religious books and notified an Afghan army commander who questioned U.S. troops about the books and was satisfied when he was told they would be stored somewhere safe.

But the Afghan workers later noticed the books had been set on fire. The workers and two Afghan officers rescued 216 books, including 48 Qurans, from being burned, Dad said. They were shouting and pulling the books from the burn pit, preventing the U.S. troops from throwing the remaining four cartons of books into the fire, he said.

"They lied to the Afghan workers and the Afghan National Army officers, telling them they were going to store the books in a container, then they went and burned the books. If it was not intentional, they would not have lied," Dad said.

Dad also claimed the investigation had shown that some detainees had written their names, their father's names, their inmate identification numbers and the date they were detained in some of the books that were not destroyed. Some of the books written in Arabic also had definitions of Arabic words scribbled in Dari or Pashto, the two Afghan languages.

"I didn't see anything that suggested that messages were being exchanged between prisoners or with outsiders," he said.

Full details of the incident are expected to be included in the joint Afghan-U.S. probe that is being reviewed by a coalition legal expert. A date for its release has not been set. A more formal U.S. military investigation is still weeks away from completion.

The Quran burnings have brought relations between the U.S.-led military coalition and the Afghan government to an all-time low and spurred the most serious wave of anti-American and foreign sentiment across the country during the 10-year war.

Karzai's office said Saturday it had only seen the report drafted by the religious leaders and had not yet been given the joint report, so could not comment on it although the president has demanded that those involved be put on trial and punished.

"We are waiting for the result of the investigation by NATO, which will probably show who is involved in this and how many people are involved. After studying it we will announce our stance," said presidential spokesman Aimal Faizi. "What the Afghan president has requested from U.S. officials and the U.S. military is a trial and punishment."

Any action taken against American troops involved would have to come under the U.S. military justice system, officials with the international coalition have said.

Still, Karzai is likely to capitalize on the incident and use it as leverage in his government's talks over a strategic partnership document that Washington and Kabul are negotiating ahead of a planned withdrawal of most foreign combat troops by the end of 2014. As part of the negotiations, Karzai wants the U.S. to hand over prisons and stop unpopular night raids against the homes of suspect Taliban commanders and fighters.

___

Associated Press Writer Rahim Faiez and Deb Riechmann contributed to this report.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2012-03-03-AS-Afghanistan/id-7a19715176374c5c810ed32aa23d5250

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Sunday, March 4, 2012

Storms demolish small towns in Ind., Ky.; 38 dead (AP)

[unable to retrieve full-text content]AP - Across the South and Midwest, survivors emerged Saturday to find blue sky and splinters where homes once stood, cars flung into buildings and communications crippled after dozens of tornadoes chainsawed through a region of millions, leveling small towns along the way.

Source: http://us.rd.yahoo.com/dailynews/rss/weather/*http%3A//news.yahoo.com/s/ap/20120304/ap_on_re_us/us_severe_weather

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