Sorry - you can't get rid of me that easily.
8 years and I am doing OK.
jc
Yea - I am deplorable...
http://www.bostonherald.com/news/columnists/howie_carr/2016/09/carr_some_quick_easy_steps_to_tell_if_you_re_a_deplorable
Carr: Some Quick, easy steps to tell if you’re a deplorable
Credit: AP
IN A ‘BUCKET’ OF TROUBLE: Democratic presidential nominee Hillary Clinton waves on Sunday after leaving a 9/11 ceremony early.
Are you a “deplorable,” one of those dreadful Donald Trump supporters who so offend Hillary Clinton’s delicate sensibilities?
As far as she’s concerned, the deplorables are expendable, in order to make room for her “basket” of voters, the despicable and the deportable.
If Hillary hadn’t had that problem with seasonal allergies or overheating or chronic dehydration or pneumonia or whatever they’re calling it now, her “deplorables” slur would be getting a lot more play.
Didn’t Barack Obama say a few months back that a candidate couldn’t insult his way to the presidency? I guess he was referring to Donald Trump. Hillary Clinton, apparently, can.
In case you’ve been wondering which side you’re on, you may be a deplorable if you stand for the National Anthem.
Or if you know all the words to the Pledge of Allegiance, especially, “under God.”
Or if when you go to Market Basket, you tend to buy generic products, because you’re using your own money, not an EBT card.
You may be a deplorable if you just got your car inspected.
If you’re deployable, you’re definitely deplorable.
If you wake before noon, if you call Islamic terrorists Islamic terrorists, if you don’t have an Obamaphone and you don’t believe that global warming is “settled science” — can you say deplorable?
You may be deplorable if your passport, driver’s license and credit cards are all in the same name.
Saying Merry Christmas — Deplorable with a capital D!
You may be a deplorable if you wouldn’t mind showing some ID at the local precinct before you vote.
You are most assuredly a deplorable if you have more than one job.
You may be a deplorable if you’ve never used Western Union to wire welfare cash south of the border.
You may be a deplorable if all of your children have the same last name — and it’s your last name.
Or if while watching the second Monday night NFL game you were less irritated by the streaker than you were by all the fawning coverage of Colin Kaepernick on the pre-game show.
You may be a deplorable if you resent training your H1-B replacement.
Or the fact that the Earned Income Tax Credit is NOT earned.
Nothing says deplorable like the National Rifle Association.
If you liked your doctor and wanted to keep your doctor, if you wear pants rather than pajamas when you leave the house, if you were passed over for the job even though you got a 95 on the civil-service test — you know what you are.
You may be a deplorable if you don’t think you should have to press one for English.
If you lost your security clearance and your job for mishandling classified information, you are deplorable.
You may be a deplorable if you identify as a member of the gender in which you were born.
Or if you drained your 401(k) or took out a second mortgage on your house to pay for your kid’s tuition at UMass while the illegal alien down the hall goes on the arm.
Or if you believe that good fences make good neighbors.
You’re most definitely a deplorable if you have an American flag flying in your front yard.
Or if you’ve never windsurfed with John Kerry on Nantucket, or stood in line with Sen. Warren at your local “cheese shop.”
You are a deplorable if you believe All Lives Matter.
If you’ve never needed a “safe space,” or heeded a “trigger warning” — deplorable.
If you’ve gone to the howiecarrshow.com store and ordered a “Proud to be Deplorable” T-shirt — yes, you know very well what you are.
Listen to Howie 3-7 weekdays on WRKO AM 680.
ObamaCare and the death spiral...
https://www.bloomberg.com/view/articles/2016-09-08/a-scary-obamacare-mystery
... like it was designed that way or something.
... like it was designed that way or something.
A Scary Obamacare Mystery
890
By
Pop quiz: Are the Obamacare exchanges a success? Your answer should take into account three recent pieces of news about the online marketplaces created by the Affordable Care Act:
- The U.S. Centers for Disease Control's latest report on the uninsured shows that 8.6 percent of the population was uninsured in the first three months of 2016. This is a record low.
- A survey of Blue Cross/Blue Shield companies, the backbone of the exchanges, indicates that about half their customers in the individual market are buying insurance without subsidies.
- Arizona has managed to persuade its Blue to sell insurance in Pinal County. That was one of a handful of localities nationwide that faced the possibility of losing all the providers in their Obamacare marketplaces after insurance giants like Aetna announced in August that they were pulling out.
You may be wondering what these three seemingly disparate facts have to do with each other. The answer is, quite a lot. Let me explain.
Conservatives should acknowledge that the coverage expansion is real, it is large (though not as large as we were led to expect), and that while it is not necessarily going to make people much healthier, it is probably going to reduce financial hardship among at least some of the people who have gained coverage. That’s significant, though we can still argue about whether the benefit was worth the cost. (If Obamacare were being voted on today, I would still oppose it).
Liberals, however, should also acknowledge uncomfortable facts. The first is that most of the decrease in the uninsured population came in 2014 and 2015, and is now leveling off. Unless younger and healthier people start buying insurance in much larger numbers, we’re probably not going to see huge improvement. The fact that so few young, healthy people are buying insurance may not only mean that the number of uninsured people stops going down. It could mean that that figure starts going up again.
Why? Because outside of the near-poor, uptake of Obamacare policies is not as high as we’d like. As health insurance consultant Bob Laszewski has written, “Historically, insurers want to see a 75-percent participation rate.” In other words, they want to see three-fourths of the eligible people sign up.
That's because insurers can predict their costs when a representative cross-section of people buys their plans. But when too few sign up, the insurer has to ask, “Who’s declining to buy insurance?” and the most likely answer is, “Healthy people who don’t expect to use it much.” The remaining pool, then, will be sicker. The lower the participation rate, the more likely it is that you’ve got a small group of people who are going to make expensive claims.
This is a phenomenon known as “adverse selection.” And it tends to get worse as premiums rise to reflect the cost of covering this sicker pool, because more people start dropping the ever-costlier insurance, and usually the folks who drop out are the healthiest ones.
Obamacare’s individual mandate was supposed to prevent this death spiral by levying a tax penalty on those who refused to sign up. But the fine appears to be too small to get young folks to buy in.
And that brings us to our second point: the split between subsidized and unsubsidized patients. Because right now, the main thing standing between Obamacare and a death spiral is the fact that subsidies shield customers from the true cost of their plans. So the law’s supporters hope that the second, really vicious part of the death spiral, where rising premiums produce even more adverse selection, will never kick in.
Most of the exchange customers are subsidized; the off-exchange customers are not. But that doesn’t matter, because under Obamacare, insurers have to treat their exchange policies and their off-exchange policies as a single actuarial risk pool, rather than adjusting for the different risks in the different markets. If the exchanges have too many old, sick people on them, and not enough young, healthy ones, those costs will leak over to the unsubsidized off-exchange policies in the form of premium hikes.
That may explain why we’ve seen some insurers pull out of the exchanges while continuing to offer individual policies. That means the older, sicker exchange customers don’t show up in their pools. However, that obviously creates a problem when the number of plans available on the exchanges dwindles. Which brings us to our third data point.
Regulators have tools to combat this sort of strategic withdrawal. They can force all individual policies to be sold through the exchanges, for example, as my own home city has done. But that creates the risk that insurers will simply exit the individual market entirely. Alternatively, the regulators can beg insurers to do them a favor, possibly offering sweeteners in the form of leeway on premium-setting, or favorable treatment in other insurance markets.
But it’s questionable whether this is a viable long-term solution. How many favors can insurance regulators give companies to get them to keep taking losses, year after year? And if the favors come in the form of, “We’re not going to quibble over how much you want to charge people for the insurance you offer on the exchanges,” this will translate into big premium hikes that the subsidized buyers don’t see, but that deliver a nasty shock to the folks in the unsubsidized market. At some point, adverse selection seems likely to set in once again, threatening the gains that reduced the number of uninsured Americans.
The correct answer to the pop quiz, therefore, is “We don’t know yet.” While Obamacare’s grander claims about lowering health-care costs and rationalizing our crazy health-care system have mostly failed to come to pass, the one thing supporters have been able to point to is the falling number of uninsured people. If that number starts to rise again, that argument will become harder to make.
- This is complicated because the high deductibles on the plans mean that a lot of people won’t get any benefit from their policies. Sicker people, who are more likely to blow past those deductibles, seem to be much more likely to buy policies.
This column does not necessarily reflect the opinion of the editorial board or Bloomberg LP and its owners.
heh...
http://www.blogherald.com/2016/08/22/wasted-words-kill-good-ideas-cost-sales/
Why Wasted Words Kill Good Ideas And Cost Sales
It’s easy to take the nuts and bolts of our communication for granted. We can all talk and read and write, after all. But as soon as we start to put our own ideas out there – making the leap from reader to blogger, or from consumer to persuader – how we communicate starts to matter. Words become tools. To get a grip on what we’re doing with them, we need to dissect the language that we otherwise take for granted.
This way of thinking holds true for every aspect of promotion – whether we’re talking about a verbal sales pitch, a formal presentation, a blog, or an advert. Everyone communicates, but not everyone communicates effectively.
Marketable messaging: How to stand out from the crowd
Aside from the nitty-gritty of what you are selling, it pays to consider what makes an image chime with a particular piece of writing. You need to learn how to maintain the right tone of voice from one page to the next and from a first introduction to a long-lasting relationship.
Those simple common-sense issues cut right to the heart of what makes a blog (or a website or a sales pitch) hang together effectively. They represent the difference between a recognisable (marketable) entity and something that just takes up space.
The blogging giant Wordpress, which accounts for more blogs than any other provider, haspublished stats showing that their users produce around 69.8 million new posts and 22.2 billion pages every month. That’s quite a crowd to try and stand out from. At the same time, New Yorker Magazine’s Ian Parker has estimated that over $250 million a day are wasted through poor PowerPoint presentations. There are serious costs that come with making a mess of your messaging.
It starts with plain speaking: Keep it short and crisp
As early as 1997, the linguist Jakob Nielsen argued that the language of the internet was not the same as the language of books or newspapers. Web texts share the same basic ingredients in terms of recognisable English words and phrases (WordPress claim that 71% of the posts they support are in English). In most other respects, what cuts it across the web is writing that mimics how people ordinarily speak. Shorter, crisper sentences and simpler vocab generate more vividly striking ideas.
Leaden language: Graveyards for good ideas
This is serious enough when your words are sitting there on a page, but when someone is standing up and delivering a badly written script it’s just plain painful. Just like blogs, presentations are all too often sunk by a leaden use of language. Anyone who has ever spent time in a boardroom has seen how disastrous a bad pitch can be. Bad pitches are graveyards for good ideas.
If you think of every sentence as an ad for your proposition, you’ll be on the right lines. Consider all the great slogans you’ve ever come across: Beanz meanz Heinz, Just do it, It’s the real thing… short, sweet and punchy nails it every time.
Authenticity and Sincerity: At the core of good business
As we’ve said, every sentence counts when you’re pitching, but for every sentence to count you need to consider its context. As an example, Hiscox points out on their small business knowledge hub that pitching doesn’t come in a “one-size-fits-all methodology”. Essentially, if you want your words to have an impact, they need to mean something to the audience you’re addressing.
As you’d expect, every context will have its own unique conditions, but according to Hiscox the main variables stay the same. Outlined in the Hiscox tailored guide on the ‘Four Ps of Pitching’, the basic principles any pitch should cover include: People, Price, Principle and Proposition.
Naturally, there’s a lot more to the advice in the guide than just a way with words. For instance, the importance of humour when it comes to connecting with an audience is emphasised throughout. But if, as their pages insist, authenticity and sincerity are at the core of good business, it only ever makes sense to say so directly.
The BBC Academy is another valuable resource that agrees with the principles conveyed in the Hiscox guide. The BBC might be selling news, but the common sense aspect of how to successfully deliver words that work is just the same. Whether you’re blogging about basket weaving or making a presentation in Dragon’s Den, the words you use will have a direct bearing on your bottom line. How many times have you seen the dragons frustrated by someone talking in circles?
White space and silence: Wasted words are for losers
Concise, scannable, and objective was the mantra coined by Jakob Nielsen. It is a mantra that still holds good and is still being pushed 20 years after it was coined. It is the “be all and end all” of everything that works for a public audience.
If you can stop waffling, you will start seeing what all the fuss is about. When it comes to writing for the web, white space is not the enemy – it is actually a powerful tool to highlight what’s important. In the same way, if you’re on your feet and pitching, silence is a tactic you can use.
Here are some common sense measures you can take to ratchet up your effectiveness.
- Write snappy – short words work wonderfully well
- Be happy – we all like being talked to on a one-to-one basis. Sermons are seriously out of fashion
- Be savage – much as it hurts, taking words out is like weeding the garden. The harsher you can be, the more your ideas will bloom
- Get straight to the gist – kids like mystery tours, buyers are more brutal
- Learn to love lists – everyone likes a list
The common sense ideas behind winning people over – whether you’re blogging or pitching – are easy to ignore. If you want to deliver something that’s readable, shareable and marketable, it will always pay not to put excess words in the way.
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