Michigan considering making Women pay Extra for Abortion Insurance

Posted by PITHOCRATES - December 7th, 2013

Week in Review

If you buy a car you buy auto insurance.  And only after buying a car would you ever buy auto insurance.  Ditto for house insurance.  If you bought a boat or an airplane you would buy insurance for those things.  But you wouldn’t buy insurance for a boat or a plane if you didn’t own a boat or a plane.  For you only insure things that leave you exposed to a financial loss should something happen to those things.  Straight forward, yes?  And it’s the way insurance has worked since its inception.  Except for health insurance.

Today, thanks to the Affordable Care Act (i.e., Obamacare) people have to buy insurance for things they have no exposure to.  For example, a gay man has to include coverage for prenatal care in his health insurance policy even though a gay man will never be pregnant.  Nor is it likely he will ever be married to someone who can get pregnant.  Which somehow doesn’t seem to be fair.  Just like it doesn’t seem to be fair to make people pay for the morning-after ‘abortion’ pill who have no intention of getting an abortion.  Or who can’t even get pregnant.

Those on the left say too bad.  Everyone must pay for these because we can’t discriminate against those who need this coverage by charging them more.  So we must charge everyone more.  Making health insurance more expensive than it has ever been before.   Causing people who had insurance they liked and wanted to keep to lose that insurance.  And some people are even losing the doctors they wanted to keep, too.  When those on the left are forced to buy something against their will, though, it’s a whole different story (see Michigan Lawmakers To Consider Separate Insurance For Abortion by Courtney Subramanian posted 12/2/2013 on Time).

Michigan lawmakers are set to consider a controversial proposal that would require women to buy additional health insurance specifically to cover abortions…

The proposal prohibits all public and private health insurers from offering abortion coverage in policies. A separate rider would needed to be purchased, which means people would have to preemptively purchase the rider without knowing if they’ll ever need it. The rider could not be purchased after getting pregnant, including in cases of rape or incest.

Being forced to buy something that they don’t know if they will need?  Could be worse.  They could be forced to buy something that they will never need.  Like many are being forced to do.  As men everywhere have to pay for policies that cover women’s health issues.  Even though they are men and don’t have women’s health issues.  Raising their insurance costs so much that some can no longer afford to even have insurance.

If men have to pay for prenatal insurance coverage then why shouldn’t women pay for an abortion rider?  For unlike a man a woman can get pregnant.  And have an abortion.

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The UAW and Public Sector Unions devastate Three Michigan Cities

Posted by PITHOCRATES - February 24th, 2013

Week in Review

It’s not been a good year for Detroit.  Well, it’s been more than a year.  It’s been a few bad years.  Actually, it’s been a great many bad years.  Since 1970.  When Ford Motor Company Chairman Henry Ford II joined with other business leaders to form Detroit Renaissance.  To revitalize the City of Detroit.  And some 42 years later, the City of Detroit is still struggling (see Detroit’s Misery Can Be Its Turning Point by Micheline Maynard posted 2/23/2013 on Forbes).

Detroit boosters were dealt a one-two blow this week by the kind of outsiders they have come to resent.

First, a state review panel declared that a financial emergency existed in the city, making it likely that Michigan Gov. Rick Snyder will appoint an emergency financial manager with sweeping powers.

Then, Forbes weighed in by declaring Detroit the nation’s most miserable city, based on a series of criteria that include crime, unemployment, foreclosures and home value…

Although General Motors is based in Detroit, and Chrysler recently opened an office there, the automobile industry is not going to provide the vast numbers of jobs the city needs to become solvent.

And there lies the problem for Detroit.  A city that grew big and rich off of the automobile industry saw a steady exodus and a declining tax base when the automobile industry declined.  Live by the automobile.  Die by the automobile.  And it’s just not Detroit.  A couple of other Michigan cities broke into the top 10 of Forbes’ America’s Most Miserable Cities 2013.

#7 Warren, Mich.

Troy and Farmington Hills are part of the government-defined Warren metro division. Like Detroit, the Warren metro has seen home prices collapse–off 53% the past five years.

#2 Flint, Mich.

Flint has been demolishing homes as the city shrinks with residents leaving in search of jobs. Only Detroit has a higher net out-migration rate. Flint ranks third worst for violent crime, behind Detroit and Memphis.

#1 Detroit, Mich.

Violent crime in the Detroit metro was down 5% in 2011, but it remains the highest in the country with 1,052 violent crimes per 100,000 people, according to the FBI. Home prices were off 35% the past 3 years, which is the biggest drop in the U.S.

If you seek a pleasant peninsula* you’d do better looking for one where the UAW isn’t dominant.  Perhaps Florida.  For the UAW is a city killer based on these Michigan cities.  (*The official state motto of Michigan is “If you seek a pleasant peninsula, look about you.”)

The Big Three dominated these cities.  Where fat pay and benefit packages were passed on to consumers in overpriced vehicles.  The Big Three’s monopoly on car sales allowed them to make fat profits.  And pay enormous amounts of taxes to the cities that had the factories that assembled their cars.  City coffers were so flush with cash city governments grew.  And city workers enjoyed fat pay and benefit packages.  This was the high water mark of the UAW.  Just after public sector unions had joined them on the gravy train.  But then something happened that devastated the UAW.  Consumers got choice.  They no longer had to buy overpriced ‘rust buckets’ the Big Three was putting out during the Seventies.  For the Japanese gave them choice.

And so began the great decline of the Big Three.  Quality and value did them in.  It’s what the people wanted.  While the UAW wanted consumers to pay more and get less.  So they could continue to enjoy their fat pay and benefit packages.  As the jobs went away so do did the taxes.  The cities bloated with all those government workers with their fat pay and benefit packages tried to maintain the size of their governments even while the tax base was declining.  Reducing other government services as they had little money left over after paying those fat pay and benefit packages.

With fewer and fewer jobs available people left these cities.  Empty houses dotted the horizon.  And housing prices fell.  With the tax base continuing to decline.  Poverty rates rose.  As did city services for the impoverished.  Leaving even less for other city services.  Causing a further exodus from the city.  Urban blight followed.  As did crime.  Causing a further decline in property values.

Low interest rates helped boost housing prices.  For awhile.  President Clinton’s Policy Statement on Discrimination in Lending kicked off subprime lending in earnest as lenders bowed to the Clinton Justice Department to put more low-income and minorities into homes they couldn’t afford.  Creating a huge housing bubble.  Built on easy credit.  Artificially low interest rates.  And the adjustable rate mortgage (ARM).  When rates went up all those low-income and minorities who bought houses they couldn’t afford defaulted on their higher mortgage payments.  Creating the subprime mortgage crisis.  Giving us the Great Recession.  Creating a flood of foreclosures.  A free fall in housing prices.  And more of the same that helped put those three Michigan cities into the top ten of Forbes’ America’s Most Miserable Cities 2013.

Michigan recently opted to become a Right-to-Work state.  Greatly angering the UAW and those public sector unions.  But it may be just what Michigan needs to reverse the great decline caused by the UAW and the public sector unions that devastated some of Michigan’s greatest cities.  One thing for sure it can’t get any worse.  Not when being a union state for so long secured three places in the top ten of Forbes’ America’s Most Miserable Cities 2013.

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Unions lose Members as they Spend Millions in Union Dues on Liberal Candidates and Causes

Posted by PITHOCRATES - December 30th, 2012

Week in Review

The past few years haven’t been great for organized labor.  They’ve spent a fortune in union dues to win President Obama’s reelection.  But though they won that battle they may be losing the war (see Spending large sums in state labor battles adds to unions’ problem of losing members by FOX News/AP posted 12/23/2012 on FOX News).

Unions represented roughly 30 percent of the country’s workforce in the early 1980s, when the federal government started tracking those numbers, but they now represent 11.8 percent.

The declining numbers are in part the result of the country’s shrinking manufacturing sector, but the situation has been compounded by recent efforts in Michigan and Wisconsin to limit unions’ power.

Unions had already spent roughly $22 million in Michigan on a failed November ballot issue regarding collective bargaining, before Republican Gov. Rick Snyder signed legislation this month that stops unions from making workers pay dues or representation fees to keep their jobs…

They also spent more than $20 million in Wisconsin to remove Republican Gov. Scott Walker this year in a recall election after he signed 2011 legislation stripping most public employees of much of their collective-bargaining power, but Walker still won that election.

The unions also spent roughly $24 million last year in Ohio to overturn an anti-union measure.

But unions spent more in California this year to defeat a ballot measure that would curb dues collection than they did total on political efforts in Michigan, Ohio and Wisconsin.

James Sherk, a labor expert with the conservative Heritage Foundation think tank, estimates Michigan unions, including United Auto Workers, will lose an additional $100 million annually as a result of the changes and members leaving.

Workers have already “left unions in droves in Wisconsin, Idaho and Oklahoma,” he said.

If you do the math that adds up to $66 million for Michigan, Wisconsin and Ohio.  Double that to add in California and that brings it up to $132 million.  Throwing in the estimated $400 million in the 2012 elections that brings the total up to $532 million.

That’s half a billion in union dues they spent for political purposes.  Perhaps explaining why workers are leaving the unions in droves where they can.  Especially when the American people identified themselves at the end of 2011 as 40% conservative, 35% moderate and 21% liberal (see Conservatives Remain the Largest Ideological Group in U.S. by Lydia Saad posted 1/12/2012 on Gallup).  As a lot of those union dues go to support liberal candidates and liberal causes they no doubt bothered the 79% of the population that isn’t liberal.  Especially those paying those dues.

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Detroit’s Public Sector Unions may push the City into the Biggest Municipal Bankruptcy in U.S. History

Posted by PITHOCRATES - December 16th, 2012

Week in Review

Michigan just became a Right to Work state in an effort to lure business into Michigan.  Whose high union costs have chased business away from Michigan.  Detroit, The Motor City, auto capital of the world, home of the Big Three, is a dying city.  While Mercedes, BMW, Toyota, Honda, etc, have built new auto plants in the United States not a one of them built in Michigan.  Because of their high union costs.  So Detroit has the Big Three.  But no one else.  And even two of the Big Three recently filed bankruptcy thanks to those union legacy costs (pensions and health care for retirees who outnumbered the active workforce).

So Michigan is bad.  But Detroit is worse.  They’ve lost so much industry that the number one and two employers in the city are the City of Detroit and the Detroit Public Schools.  Both who have unions doing to the City of Detroit what the unions did to the Big Three (see Detroit has “serious financial problem”: Michigan treasurer by Ann Saphir posted 12/15/2012 on Reuters).

A check of Detroit’s finances has found a “serious financial problem” with the cash-strapped city, a step that could lead to the biggest municipal bankruptcy in U.S. history…

That official would have the power to put the city of 700,000 into Chapter 9 bankruptcy if other rescue plans are not feasible or effective.

Detroit, home of General Motors Co., has been hit by a steep population decline, years of severe budget deficits and escalating employee costs, all of which led state officials to begin an intervention process last year.

Detroit’s population peaked at 1,850,000 in 1950.  The city has since lost over half of its population.  First the jobs left.  Then the people.  During this time the size of city government grew.  As did the public sector union pay and benefit packages for those public sector workers.  The city’s costs soared as their tax base disappeared.  So it’s no surprise that the city is facing perhaps the biggest municipal bankruptcy in U.S. history.

At this point in time it’s probably not a question if Detroit will file bankruptcy.  But a question of when.  They’re going to have to do what the Left wants to do for people underwater in their mortgages.  And for students buried in student loan debt with no job prospects (because they got degrees in Philosophy, Religious Studies, Anthropology, Archeology, Area Ethnic Studies, Civilization Studies, Information Systems, etc.).  Forgive their debt.  So these people can crawl out from underneath their debt and return to some sense of normalcy in their lives.  But the Left will not endorse this same solution for Detroit.  Because the city’s debts just happen to be to the Left’s greatest campaign contributors and constituency.  Public sector unions.  The Left will screw banks and mortgage companies every day of the week.  But when it comes to the public sector unions they’d rather screw the taxpayer.

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Michigan Vote to become Right to Work show a Political Realignment in the Rust Belt?

Posted by PITHOCRATES - December 16th, 2012

Week in Review

First Wisconsin and Indiana and now Michigan.  Something is happening in the Rust Belt states.  These union strongholds appear to be going through a midlife crisis.  The marriage between the unions and the people appears to be not as strong as it once was.  As if the unions can’t satisfy the needs of the people anymore.  Who are looking to get out of a failing marriage (see Snyder Wades Into Angry Debate Over Michigan Union Dues by Chris Christoff & Esme E. Deprez posted 12/12/2012 on Bloomberg).

Republican Governor Rick Snyder, who portrays himself as a pragmatic unifier, plunged Michigan into conflict by signing so-called right-to-work legislation.

Less than a week after Snyder ended his neutrality on the issue, lawmakers yesterday approved two bills that prohibit compulsory union dues for employees in organized workplaces. The governor signed them hours later.

“As a nonpolitician, I don’t respond to political pressure,” Snyder, 54, said at a Lansing news briefing. “I try to do what’s best for the citizens of Michigan.”

His decision to make Michigan the 24th right-to-work state in the U.S. made the self-described nerd and non-ideologue a new nemesis to Democrats and their union allies. Similar fights in Wisconsin and Indiana this year and last brought protesters into the streets, accusing Republicans of trying to gut labor’s power in its Midwestern stronghold…

About 17 percent of Michigan workers belong to unions, according to the U.S. Department of Labor. In the early 1960s, about 40 percent did…

Snyder said unions started the battle when they led an unsuccessful campaign to enshrine collective-bargaining rights in the Michigan constitution. The ballot proposal was defeated Nov. 6, despite a $23 million drive funded mostly by labor…

Supporters said the laws, which affect all government and private employees in organized workplaces except for police and firefighters, let workers withdraw support from unions they view as ineffective or politically unpalatable.

Then again, with only some 17% of the Michigan workforce unionized and an unemployment rate that was north of 10% for almost 3 of the past 4 years one can see why the people would want a divorce.

The interesting thing is that Michigan has a Republican legislature and a Republican governor yet this state voted for President Obama in 2012.  How is that possible?  How do you reject liberal policies at the state level and yet vote for them at the federal level?  Rust Belt states Indiana, Michigan, Ohio, Pennsylvania and Wisconsin all have Republican legislatures AND Republican governors.  And yet all but Indiana voted for President Obama, perhaps the most liberal president in U.S. history.  How does the national election NOT reflect the state elections?

Union supporters in Michigan are saying Governor Snyder ran as a moderate and then bowed to big money on the Right.  Of course that doesn’t explain the Republican legislature.  It would appear there is a political realignment in the Rust Belt.  Perhaps there will be a recall drive in Michigan.  Like there was in Wisconsin.  Of course, before the union spends another $20 million in a recall attempt they should note that Governor Walker won that recall election with a slightly larger margin than the election that brought him to office in the first place.

It could be that the people want jobs.  And to get jobs they need businesses to come to Michigan.  The Big Three (Ford, Chrysler and General Motors) have been in Michigan forever.  They’ve been bastions of union power.  But every new manufacturer since the Big Three chose to build in some state other than Michigan.  Most of them locating in the Right to Work South.  Something no doubt the people in the Rust Belt are tired of seeing.  Especially when your state has an unemployment rate higher than the national average.

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