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General

Your Employer: Competitor or Collaborator?


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photo credit: Trypode

This question is framed in terms of employer sponsored health care benefits, but it really applies to any employer/employee interaction. Are you working with your employer, or are you competing with your employer? To put it another way, is your employer working with you, or simply working you?

I ask this because in the health care debate there are two groups of people who have opposing views on this. One group argues that employer sponsored health care as the dominant source of health insurance coverage is destructive because it distorts the health insurance market by locking people into few if any options for insurance and locks them out of the economic decisions about what plans they want. They also argue that everything your employer spends sponsoring health care coverage is money out of the employees paycheck. The other group argues that employer sponsored health care is a good thing because that is the only way most people can afford coverage and if the employer were to drop coverage the money they save would not go back into paychecks, but would simply pad their bottom line.

The second group obviously views the employer and employee as competitors. These are the people who favor unions because the employee’s need to band together in order to stand up to their employers. This adversarial relationship dampens production and hampers progress. Before anyone gets too upset with this analysis let me just say that there have been situations where unions were necessary but they are no panacea.

Let me explain why I think the first perspective is more accurate based on my own experience.

Categories
life

Crunch Time


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January was a very nice month for me as I was able to write every single day. Plenty of things have been happening in politics as the presidential primaries have twisted and turned on the path to next Tuesday. I’ve also had final opportunities to comment on the Mountain View Corridor and the opening of the 2008 legislative session to keep my mind occupied.

Having things to write about was obviously not a problem, but having time to write was surprising. things have been building up at work towards a new product launch. I have spent this last week working 12+ hour days in preparation for that event. It’s now crunch time in our product launch, at the same time as political crunch time for people to get serious about making a choice about where our nation should be headed politically. The primaries are the best time to make an impact in the voting booth – after that your options are much more limited.

Categories
life

Yes, I’m Still Alive


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It’s been a while since I’ve posted here and I am going to work harder to change that. Things have been very busy at home and at work lately. Right now I would like to give a few projections of what is happening and will be happening with me and the blog.

The candidates have been filing in and I have not kept up. Here is the current list of candidates and the order in which I will be making my endorsements (this is based on the order they filed to the best of my knowledge): John Edwards, Christopher Dodd, Sam Brownback, Christine Smith, Joe Biden, and Duncan Hunter.

I am personally taking a more active interest in local and state politics right now. I am actually going to meetings on current issues, such as the Mountain View Corridor highway that UDOT is looking to build. I believe that politics should be more local and less national so I am trying to make my own actions (and commentary) reflect that belief. I will be posting more on those issues, although I will still be covering national issues and races as well. The limit is that I will not cover races that I can’t vote in – so no coverage of a controversial race for governor in another state even if it is making headlines around the nation.

I have also felt the need to move from blogger again. It’s time to revive my personal site so I will be moving to WordPress again and have it hosted at davidjmiller.org. I already own the domain, but it has been dormant for a while. I’m not going to rush the move, I want to import my posts from blogger, but I may move forward without that.

I am actually considering the possibilities of participating with parties and/or candidates at some level and I may finally be ready to donate somewhere. That’s a huge change for me. While I love talking/writing on the subject I am ready to do more than just pontificate.

So, life is great right now despite my silence here. I am hoping to export the energy that I am finding from that to help make a difference in the things that I have always talked about.

Categories
life meta

Holidays


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I’m guessing that it will be normal for me to post less often during the holidays. Hopefully 10 day breaks will not be normal.

Besides the obvious Christmas festivities and work, I have been doing very good with my running until this week. Sometime on Christmas day my right ankle began to hurt. I went running on the 26th and, although running was fine, I noticed that my ankle got worse. My Achilles tendon began to swell some so I have been staying off it for the last few days. I don’t know how it happened, but I have to assume that it is related to the running. Hopefully resting it this week will allow me to get back to training sooner than if I pushed harder. I’m going to give it a try with a short run tomorrow.

I’m still trying to find the balance of what I write about here. I was doing lots of candidate endorsements before the break, but I want a better balance. I have found that there are two new candidates who have filed with the FEC since I last wrote. I guess I had better get caught up again because it looks like we are likely to have even more in the coming weeks.

Last night I got a call from my Grandpa and we got to catch up. I had not talked to him for a few months as he has been busy with his new wife trying to keep up with their combined 48 grandchildren. I don’t know about her grandchildren, but I realized that of his 24 grandchildren half of them were married so we’re all getting spread out a bit.

I can only imagine how busy it would get trying to keep up with 48 grandchildren. Anyway, it was nice to catch up with him, that’s why I decided to do a little catching up here.

Categories
culture life

Insurance Racket


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I had to deal with changing health insurance today with the business office at the womens clinic that Laura goes to in preparation for our new baby. That gave me the opportunity to review prices for their services. I discovered something very disappointing. In the last year, with insurance through my work, I have paid as much in premiums (not counting what the company was supposedly paying toward the premiums) as the clinic would charge an insurance company. The only money I saved by having insurance, even with the large medical expense of having a baby, is that I am not being charged the higher prices that they charge those who don’t have insurance. I don’t quite understand that policy. Why should they charge more to those people who can’t afford insurance? Isn’t that like kicking a person while they’re down?

Anyway, that’s the insurance racket. My portion of the price of insurance every year is enough to pay for a major medical procedure, like 9 months of prenatal care plus delivery and a hospital stay.If we weren’t having kids I’d be throwing away a new car every year in insurance premiums – and that’s when the company is paying the bulk of the costs. If I were to pay for that insurance myself for three years I would have paid for a major injury – like being seriously hit by a car. If I put that money into my house instead of my insurance I would have the house paid off in 11 years from the time I bought it.

Categories
culture life

Undoing Past Progress


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I read two articles today in the New York Times today that got me thinking about how we are undoing the benefits that first made our country the place it was when I was growing up. The first article was about the increase in people in my age group without health insurance. I understand firsthand what they were talking about – not because I do not have health insurance, but because I had to spend more than 10% of my pretax paycheck to pay my portion of the company sponsored health plan. To put that in perspective – I was making something close to the national median income (if I remember correctly what that figure was).

The second article was about why college educations are no longer affordable and what changes have caused that problem. I have long had strong feelings about this problem. I think that the fundamental problem here is that we have lost sight, as a society, of what we were trying to accomplish with tuition assistance and other forms of federal education assistance in the first place. From the article:

By subsidizing public universities to keep tuition low, and providing federal tuition aid to poor and working-class students, this country vaulted tens of millions of people into the middle class while building the best-educated work force in the world.

Another article at CNN elaborated on this by saying the following:

“There’s been a sea change in the last decade-and-a-half over how (colleges) spend their money,” said National Center president Patrick Callan. “It used to be about giving students opportunities they wouldn’t otherwise have. Now it’s about giving them money to go to one college instead of another.”

At first these programs were designed so that there would be money for students to go to college, now the money is being used for students to go to “the right college.” We seem to have lost sight of the fact that the goal was to educate large volumes of people, not to make education one more field for competition in our society.

Some startling statistics to back this up from the CNN article:

The report card finds colleges awarded grants to 36 percent of their students from families earning $20,000 per year or less. Those grants averaged $4,700. But wealthier students received comparable attention.

The colleges gave grant aid to 29 percent from families earning $100,000 or more. And those grants were even higher on average: $6,200.

Let me make that clear – slightly over 1/3 of students from families living in poverty (or very close depending on where the poverty line falls) are getting under $5000 a year to help them go to school. Almost 2/3 of students from those poverty situations are going to school without grant money. At the same time nearly 1/3 of students from families among the top 5% of wage earners are getting over $6000 a year – we can assume this is to lure them to “better” schools.

I do not mean to argue that all schools are equal, but we would probably be better off as a nation if we thought of them that way.

If my experience and the experience of other people I know is any indicator, there is another problem that also plagues our nation with regards to higher education. The degrees that we are paying so dearly to get are often being underused once we graduate and try to use them. Many jobs I have seen require a degree for work that could easily be done without a degree. What is worse, many jobs in which a degree is useful are more interested in experience than in the degree. I have known many people who choose to work and gain experience rather than finish a degree and they end up with better jobs because they have more experience.

If experience is the best teacher – and I believe that it generally is – then our college degrees should be designed to provide marketable experience. If they did, perhaps companies could eliminate the requirement to have a degree as a prerequisite for jobs that do not actually require the training that comes with a degree.

Categories
culture

Conservation


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I was interested to read about Homesourcing and be reminded that I seem to be caught between two radical philosophies concerning conservation and energy independence. Radical not because they are unreasonable or extreme, but because they are so different from the most common proposals for energy independence.

Homesourcing is really another name for tele-commuting, the other radical approach is espoused by some bicycle enthusiasts I know – bike to work. Each of these ideas appeals to me in different ways. I will not expound on homesourcing (since I have linked to it) but biking to work adds the advantage of keeping yourself in shape although it limits how far you can live from the office. The only downside to homesourcing is that there really is something to be said for mixing in the same physical location with other people that you are working with.

Maybe I should bike to work two or three days a week and then work from home the rest of the week. That would be about the best of both worlds.