Obamacare’s Secret Attack on Senior Women

by Jayne D. Frank

For those of you that dismiss articles like this because you are young and otherwise busy, this affects every one of your parents, especially your mothers.  Since Obamacare was passed, seniors have seen severe changes which have been unreported by the media and unpublished by many blogs and newspapers.  Specifically, I can only talk about what has occurred in my life with regard to this draconian law.  I am 65 and in good health, mostly because 1) I have had and paid for my own insurance premiums since the beginning of my work life, 2) I have had my regular checkups with my family doctor as well as my gynecologist, and 3) I try to eat well and keep active.  In other words, I have taken full responsibility for my medical care and health for many years and have never abused the system such as going to an emergency room for anything short of inability to breathe or anaphylactic shock.

Here’s the gripe people like me have with Obamacare:  we are being denied healthcare, even as early as 2011.  I will give you specifics to back up my claim:

1.  In my doctor’s office immediately after passage of Obamacare, I saw a posted sign which said that the office was changing the way it operated (keep in mind what the law contains).  Paraphrasing, the sign said that the doctors would not always be available, but that other professionals in the office would be sure to take care of you “as a team.”  It indicated that records would be changed to electronic and that you could access your records by email.  Keep in mind that for many people in their 80s and 90s, they have no computer skills, don’t own a computer, and would never sit down to email about their blood test results or health records; therefore, they will be forced to neglect their own healthcare.  The most egregious part of the sign indicated that “in the future we will be discussing “your goals” versus “our goals” for your health to give you the care you want.  In other words, the “death panel.”

2.   Our insurance premiums for the two of us have gone up 30% in one year just for the supplemental insurance that we pay.  Now we find out that the cost-of-living increase in 2012 will be offset by the increased Part B and Part D premiums; in fact, the cost will be higher for those parts of Medicare.  During this same year or two, our cost of living has increased for everyday items – our food, our heating costs, our gas for our cars; a real crunch for American families that are working and have a family, but a severe drain on the fixed income of seniors.  This eventually will translate into a decision not to go out to dinner or to travel; for those under the poverty level, that translates into whether to eat or take prescription medicine.

3.   During my annual gynecological visit, I was told on this my 65th birthday, that medical experience suggests that women of my age stop having gynecological exams because the incidents of ovarian cancer or cervical cancer are rare.  These are the latest statistics on both types of cancer for women 65 and over:

Cervical Cancer:

  • Women ages 65 and older account for nearly 25 percent of all cervical cancer cases and 41 percent of cervical cancer deaths in the United States.
  • Women ages 65 and older have a cervical cancer incidence rate of 16.8 per 100,000, compared to 7.4 for women younger than 65. The incidence rate is the number of newly diagnosed cancers per 100,000 population during a specific period of time (usually one year).
Ovarian Cancer:
  • In more than 50% of cases, ovarian cancer occurs in women over the age of 65; but younger women can also be affected. The incidence dramatically increases with age, reaching its peak in the late 70s. Approximately 70% of women with ovarian cancer have extensive disease at the time of diagnosis.  Many times, doctors are trying to get away from regulations for not addressing ovarian cancer in the older age group by suggesting that women just remove get a hysterectomy.
This advice by the gynecologist was also reiterated by my family physician.  What accounts for this sudden change in the push to stop women from staying on top of their health at all ages?  Surely, the new restrictions and mandates  upon doctors by the massive Obamacare law. Doctors have to cut their costs somewhere; why not on their aging patients.
As a woman, I am infuriated with what is happening to our healthcare system.  I don’t blame the doctors so much because the new mandated paperwork and switch to electronic records by our Government, as well as reductions in payments to doctors under Medicare, are costing them excessive time and costs, when they could have devoted this  time to patient care.  I place this blame directly on the costs inflicted by Obamacare and call upon all women in this country to fight for repeal of Obamacare and as a result fight for their right to adequate healthcare for their entire lives!   We must also have new leadership in this country that will pass a bill for tort reform to take the shackles off doctors caused by fear of malpractice suits.
Get off your butts seniors and fight back!

Obama’s Campaign Strategy – The Blame game!

By: Richard H. Frank

The Obama Administration’s policies having proven to be classic failures, the President must switch to the old stand-by tactic of blaming everyone else, including his own party for failing to support his agenda. His position will not focus on how the Democratic-controlled Congress is responsible for creating a $5.2 trillion deficit between 2007 and 2010 and that his stimulus program to spend $787 billion followed by another proposed $447 billion has nothing to do with the increased deficit. His continued lies to the American public that his latest proposals are fully paid for are wearing thin with the very people who elected him to office. He continues to demagogue the Republican- controlled House of Representatives as caring only for the rich that do not pay their fair share of taxes and how he will not place the burden of the economic dilemma on the backs of the middle class and senior citizens.

His contention that he will veto any legislation that does not include new revenues from the richest Americans in the form of higher taxes is in direct opposition to his pledge not to raise taxes on the middle class in America. Likewise his “Grand Bargain” which he personally blames Speaker Boehner for rejecting lacks any detail as to how he will cut spending by $2 for every $1 of new revenue generated through closing tax loop holes and tax increases on the rich.

What is even more astonishing is that he expects the public to sign on to the class warfare he creates by stating that Warren Buffet pays a lower tax rate than does his secretary. He fails to acknowledge the fact that Buffet’s tax rate is from capital gains that are taxed at 15% while his secretary who allegedly earns $50,000 per year is taxed on income at the rate of approximately 25%. “Just math” he says as he stands and proclaims supposed facts before the American public. Notwithstanding the fact that Mr Buffet has already paid income tax on the money he invested when he first earned it, lets examine the math. If Mr. Buffet’s secretary paid 25% on her $50,000 salary she would pay the government approximately $12,000. If Mr. Buffet on the other hand achieved $50 million as the President contends, he would have paid $7, 500,000 in taxes not to mention the hundreds, or possibly thousands, of jobs his investment has created and sustained. This is the math Mr. President. I wish you could prove the same for the $787 billion in wasted stimulus dollars you spent.

As the campaign takes shape we hear the old refrain of blaming Bush for the economic woes of the country. Two wars unpaid for, a prescription drug program unpaid for and tax cuts for the rich that crippled the flow of revenue to the Federal Government.  Now his claim is that stimulus was not enough and we need to spend more money that we do not have to fix the economy coupled with taxing those greedy rich people and companies that do not pay their fair share. He knows full well that Congress will not pass his latest attempt at redistribution of wealth in the form of “The Americans Jobs Act” which he insists must be passed immediately. Even the Senate leader Harry Reid will not bring the bill to the floor until some time in October if even then. This is all in the plan for placing the President above the fray and blaming Congress for his failures as he deflects any responsibility from himself to others for failures of his policies and ideological agenda.

He insists that Washington must live within its means and in order to do so must reform the tax code, Medicare and Medicaid; this from a party that has failed to pass a budget for the last two years.   He continues to scare senior citizens with cuts to their benefits many of which are hidden in his signature legislation aptly dubbed “Obamacare.” Just wait until the increases in premiums kicks in for seniors that subscribe to their part “B” benefits. These increases will be more than offset by cost of living increases forecast in the near future. Lastly, he stated that the government should ask all companies that received bailout money from the government to repay their debt. I thought this was explicit in the original bailout agreements. Just how much is still owed by these large companies to the American taxpayers?

But then again I guess the American taxpayers should just bend over and grab our ankles and kiss the money we “invested” in the New General Motors, Chrysler and solar companies like Solyndra good-bye.

To quote Barack Obama, his speeches have all become “words just words” and can fall into the category of more campaign rhetoric called the “Blame Game”.

Obama’s Agenda IS on the Backs of the Middle Class and Elderly

by Jayne D. Frank

Listening to President Obama’s lies once again today in the Rose Garden, I cannot help but wonder how many elderly people in this Country still buy his “crap!”  Having worked all my life in the corporate world and owning a small business during my semi-retired years, I have seen first-hand the affect of his policies on my family and my neighbors.  We lost our small business in the wake of the mistrust and economy downturn following the election of Barack Obama in 2008 and since that time have seen our own standard of living, as senior citizens, as well as that of our children, decline to a point approaching poverty.  We might as well not have worked and paid taxes all of these years ; perhaps the hippies had it right in the 60’s – “If it feels good – do it!”  We could have enjoyed not working, searching the world over for our “other selves” and just had a good time, instead of being productive Americans, taking care of our parents along the way, and hoping to finally have that “good time” during our retirements.

Now that we have arrived at our Golden Years, we find ourselves, like millions of senior citizens, in 2011:

1)  Paying 3.66/gallon average price of gasoline over the $1.67 in 2008; we can’t afford to take trips anywhere.

2)  Looking at another 3.5% increase in cost of our stay-at-home grocery bill, caused almost entirely by crops diverted to biofuels and smaller yields caused by EPA regulations on farmers; that leaves us nothing to ever go out to dinner with each other.

3)  Looking at a future where doctors are to be rewarded for their cost-saving, performance-based, rationing of our medical care, as most recently repeated by President Obama in his speech today;

4) Incurring Medicare premium increases in 2012 through 2014 which will offset any COLA increases seniors may get, caused singularly by Obamacare; again keeping seniors locked in their homes unable to spend any money and help spur the economy.

5) Investigating ways to pay for our prescriptions in 2012 and future years as Obamacare and the Obama administration make it harder for us to pay higher increases in our insurance plans.  Perhaps, somewhere in Obama’s vision is a “Soylent Green” kind of world where we can all peacefully get out of the way to make room for younger generations;

6)  Worrying about our children and grandchildren losing their jobs without any future for rehiring, losing their real estate investments and not having a committed Congress who will ensure that our children will not be paying off our governmental debts forever.

I wanted to travel with my husband, to pay my way in life, to not have to worry about my children and their futures, and to be able to stay well.  I fear that unless seniors wake up in this country, get their voices back and resist President Obama’s efforts to reshape our beautiful Country in HIS vision, that this will only be a memory we once had.

What I want is for the class warfare and the lies of this Administration to end so that we can get about healing the divisions in our country and make America better for all Americans.  43% of Americans pay nothing in this country, not counting all the millions we are spending on people that have never paid into our system and are not citizens.  But instead of addressing the real problems that are facing this country, such as the true cost of immigration (legal and illegal), a true “welfare class” that has never worked and don’t want to work, and an obsolete and ineffective tax system, as well as Government spending, the Administration is now targeting seniors, who are the real victims in this scenario playing out in Washington.

Big Government Tinkers with the Economy: Americans Bear the Cost and Pain

by Richard H. Frank

What will it take for Barack Obama and Washington politicians to admit the Government does not and cannot create jobs or wealth for our nation?  Every day we hear of another scandal involving some Government-administered program.

Consider the accomplishments of the following Government programs:

  • TARP (troubled asset relief program)
  • Obamacare (Affordable Health Care Act)
  • Stimulus 1 ($787 billion in Government spending for shovel-ready projects)
  • American Jobs Act ($447 billion for infrastructure projects)

TARP allegedly saved America’s financial system.  Banks and insurance companies were given billions of dollars to bail them out of bad investments and the chance to take writeoffs and amend their balance sheets.  Addition billions of dollars were provided to assist homeowners in avoiding foreclosure by modifying their mortgages in an attempt to save their homes.  What happened is that the banks took the money and have elected to withhold the funds from the public in the form of loans, mortgage modifications and encouraging investment in the private sector.

The Government takeover of General Motors and the claim that Obama single-handedly saved America’s automotive industry is another fabrication for the campaign trail in 2012.

The truth is that the American taxpayer can kiss the $56 billion in Government investment in the New  General Motors goodbye forever. Obama will claim $20 billion has been repaid through the sale of Government shares during the first public offering leaving a mere $26 billion to be repaid.  This does not take into account the tax relief of $45 billion granted to the Corporation.  In order to recover the remaining investment, Government shares would have to be sold at $55/share.  Today’s market price stands at $22.32/share with  the year-to-date stock price performance down 39.8%.

Also take notice of General Motors financial performance.  The press releases tout the massive improvement in sales and profits year over year.  The August 4, 2011 earnings report trumpets a profit of $3.0 billion on sales of $39.4 billion.  As an investor I would be hard pressed to buy shares in a company having return on sales of .7% let alone pay $55/share.

The latest example of waste deals with the green energy initiative by the Obama Administration.  The solar panel company Solyndra managed to burn through $535 million taxpayer dollars in just over one year.  Of course, no one in our Federal Government is willing to accept responsibility for oversight of that “investment” even though the Department of Energy held a seat on the company Board.

As for “Obamacare,” the bill that had to be passed to find out what was in it, we are finding out every prediction of forcing companies to drop insurance, cost increases and rationing of care are coming to pass.  When Congressman Wilson said Obama lied during his state of the Union speech, he was correct.  There are now 50 million uninsured because companies are finding it cheaper to drop full-time employees with insurance coverage in favor of keeping part-time workers onboard.

Stimulus 1 turned out to be nothing more than a payoff to big unions in the form of paying the states to increase or keep current Government-funded positions in union represented functions.  The result was Obama’s claim that he had saved or created over 3 million jobs.  Conversely, the private sector shed over 2.5 million jobs during the same period.  Jobs that created value and paid taxes to support the Government jobs Obama takes credit for creating.

As for the “American Jobs Act” it is just more of the same.  An attempt to impose taxes on the “rich” (people earning over $200k/year) and redistribute wealth instead of creating an environment for free market economic growth. When Government is allowed to pick winners and losers the American public is the ultimate loser!

Every economic indicator for growth is negative.  Weekly claims for first time unemployment benefits continue in excess of 400,000. Energy prices rise and inflate the price of every commodity we consume.  Bank foreclosures skyrocket while real estate prices continue to plunge.

Yet, Barack Obama can only see the 2012 election and because his record of accomplishments is virtually non-existent, must turn to demonizing Congress as obstructive to his programs as his only path to re-election.

America will have to endure the albatross of Barack Obama and his Administration for the next 14 months before he can be voted out of office and returned to his role as community organizer-in-chief, living off taxpayer-funded pension the rest of his life.

Obama’s “American Jobs Act II” – More Government Spending !

by: Richard H. Frank

Watching and listening to the President’s speech to a joint session of Congress, where he once again attempted to assume the guise of a leader, would have been laughable were the state of our economy not so serious.  It must have pained Obama to acquiesce to Republican ideas for tax cuts as part of his continued attempt to introduce $447 billion dollars in new stimulus spending to Congress and a skeptical electorate.  Nonetheless, he had the gall to stand before the nation and insist that continuing his failed policies would provide the “jolt” necessary to jump-start the economy.

Further he insisted the new legislation would be fully paid for through “undefined” yet to be determined spending cuts and closing of tax loopholes in the existing tax code. Mr. President, give me a break, please!  How stupid do you think the American people are?  Since when has the Federal Government found a dollar of savings and not turned around and spent two?

As for charging the Congressional “Super Committee” the task to find an additional half trillion in cuts in addition to their current assignment to find $1.3 trillion in reductions, I can’t help but wonder what you are smoking.

After listening to the outline of Obama’s “American Jobs Act,” I must ask “Is he just stupid or so ideologically committed to destroying the free market system that he is blind to real solutions when they are placed in front of him?”  He gives lip service to cutting the corporate tax rate and removing obstacles to small business who create the jobs.  He then totally ignores taking the barriers away from our domestic energy producing companies when they attempt to make our Nation energy independent.

His statement using  mercury from fluorescent lamps  as an example of the regulations that he would never relent upon to protect our children from poisoning shows just how naive  he really is.  No one in business wishes to place individuals in jeopardy nor destroy the environment by elimination of all regulations.  They just want the barriers to doing business removed that stifle innovation, development and job creation.

Mr. President, how about paying for your $447 billion dollar boondoggles through elimination of Federal Government agencies that add no value to the economy and allow the states to assume those responsibilities.  Additionally, cancel your   campaign to sell this monstrosity of a Bill by travelling across America  at the taxpayer’s expensive and also promoting your Presidency under the guise of selling your legislation.  Your political donors can pay for your Presidential election campaign, not the rest of us.

Mitt Romney said it best when describing the President’s ability to fix our economy when he stated “Obama doesn’t have a clue…”

The best thing Obama could have done during his speech to the joint session this past Thursday would have been to follow the example of Lyndon Johnson who said “I shall not seek, nor will I accept the nomination of my party to run for President of the United States of America.”  That announcement would be the jolt needed to jump-start our economy.

History Repeats Itself: Same Problems Different Century!

by Richard H. Frank

Failure by our elected Government representatives to study history and learn from the mistakes of our forefathers condemns them to repeat those mistakes.  Unfortunately for all of us, our elected representatives today consider themselves to possess superior intellect to those that preceded them and cling to ideological solutions guaranteed to solve all of our problems.  The trend toward “Big Government” and the “Nanny State” over the past 100 years bears undisputed evidence that Government continues to impose solutions guaranteed to repeat prior failures (mistakes) and provide no sustainable solutions to our economic and social problems.

The decade beginning in 1930 and ending in 1939 evidences that the same world issues and crises were present then that are present today.  Only the names of individuals and national entity are changed while the problems remain the same.  Consider the following  occurrences in the month of September:

1930 – The National Socialist Part (Nazis) rises to become the second largest political  party in Germany.  (They campaign on “hope and change” that included full employment and socialized medicine).

Sept 9, 1930 – U.S. Department of Labor restricts immigration of foreign laborers in an effort to combat chronic unemployment.

2011 – Immigration problem persists in the U..S. with two major exceptions:  illegal immigrants number between 12-20 million; the Federal Government refuses to enforce existing law and uses executive fiat to grant pseudo amnesty to those individuals awaiting deportation.

Sept 30, 1930 – German President Hindenburg asks for dictatorial powers to push financial reforms.  

2010 – Democrat-controlled Congress passes the Dodd/Frank Financial Reform Act stifling economic growth in the U.S.

Sept 30, 1931 – London, England experiences unemployed riot.  Police in London clashed with demonstrators as opposition grew to the Government’s new austerity programs.  Most of the demonstrators were unemployed workers who opposed recent reduction in benefits.

2011 – Riots in London erupt as opposition to austerity programs imposed to bring stability to the nation’s financial markets.

Sept 12, 1932 – Germany, Von Papen dissolves Reichstag after vote of no confidence opening the door for Hitler to form a new government as chancellor.

2011 – The Mideast spring in Egypt, Libya and Syria, as riots overthrow dictator’s governments in favor of Muslim based ideology.

Sept 21 & 30 1933 – FDR orders outlay of $75 million to clothe and feed homeless. FDR program to feed and clothe the needy increased from $75 million to $700 million. There were 3.5 million on relief rolls.

2011 – Obama Administration and   Democrat Congress increase unemployment eligibility to 99 weeks.  45 million Americans receiving food stamps.

Sept 5, 1934 – Hitler predicts Reich will survive for 1000 years.

2011 – Radical Islam continues jihad against the West and insists  that Shirea Law be recognized where Muslims are involved.

Sept 30, 1934 – FDR  pleads for a truce between capital and labor in order to give his NRA initiative a chance to succeed.

2011 – Barack Obama pleads with Congress for more stimulus to give his $787 billion national recover act a chance to succeed.

Sept 1, 1935 – Third Reich adopts swastika as national flag.

2008 – Barack Obama contends America should adopt a new, less violent, national anthem to reflect his pacifist agenda.

Sept 23, 1935 – Nazis plan to boycott all Jewish firms.

2011 – Obama’s Cap and Trade Policy to destroy the free market led by regulations curtailing operation of the U. S. Coal Industry.

Sept 1, 1936 – $1 billion rise forecast in the Federal deficit for 1937.

2011 – $16.2 trillion deficit forecast for 2012 with $1.3 trillion occurring in 2011.

Sept 1, 1936 – German Army holds the largest manuevers since 1914.

2011 – Iran and Syria hold manuevers as revolution in Egypt and Libya continues.  Different nations, same Islamic ideology.

Sept 3, 1937 – John L. Lewis warns FDR to back the CIO or lose labor support.  

2011 – SEIU and Government employee unions warn President Obama to support their agenda or lose support.  National Labor Relations Board sues Boeing to stop their moving operations to a “Right to Work State.  Obama courts big labor during Labor Day speech.

Sept 30, 1937 – League of Nations threatens to end non-intervention policy if Italy keeps troops in Spain.  

Today, the United  Nations resembles the League of Nations and is equally impotent.

Sept 15,22, 1938 – Neville Chamberlain flies to Berlin to meet with Hitler and finalize the “Non-Aggression Agreement in Munich.” Chamberlain assures Britain Hitler wishes for peace.

2009 – Barack Obama Mideast and European apology tour of pacification.

Sept 25, 1938 – FDR appeals to Hitler to negotiate with the Czech President in response to demonstration of 20,000 at Madison Square Garden.

2011 – Barack Obama – Appeal to the President of Syria and Libya to step aside in view of domestic demonstrations

Sept. 30, 1938 – Four powers sign accord allowing Germany to take the Sudetenland.

2011 – Obama’s support for having Israel return to the pre-1967 borders and create a Palestinian State.

Sept, 1939 – A world divided!  1.  German troops invade Poland, 2.  Martial law declared in France, 3.  Britain and France declare War on Germany.

Each of the above instances are chronicled in “100 Years of News, 20th Century Day by Day.”  The successes and failures in dealing with each situation and resulting  crisis provide a guide for our Government today in dealing with these same issues if only they would take the time to study our history.  The solution to these problems for America resides in our maintenance of a strong national defense, support of free market principles with minimum regulation by Government and aggressively pursuing energy independence for our Nation.

Unfortunately, the Obama Administration and our liberal Progressive Congress have failed to recognize the lessons learned in history.  Government creates nothing but regulation that stifles economic growth.  Regulation is necessary to control unscrupulous practices that harm individuals and destroy our environment but should be limited to these areas and not intended to usurp congressional authority enumerated under our Constitution.

Individual states are given the authority to legislate and manage the territory within their sovereign borders under the 10th Amendment.  The Federal Government needs to get out of the way and allow the States to assume their responsibility under the Constitution.

Should our Government continue to ignore history they are destined to make the same devastating blunders and mistakes of the past that have led our Nation to the brink of extinction!