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	<title>RayBenjamin.Com &#187; Economy</title>
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	<description>Adventures of an aspiring writer.</description>
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		<title>Job Creators, Really?</title>
		<link>http://www.raybenjamin.com/wordpress/2011/08/30/job-creators-really/</link>
		<comments>http://www.raybenjamin.com/wordpress/2011/08/30/job-creators-really/#comments</comments>
		<pubDate>Tue, 30 Aug 2011 11:39:06 +0000</pubDate>
		<dc:creator>rben13</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Bush Tax Cut]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[Job Creators]]></category>
		<category><![CDATA[Jobs]]></category>

		<guid isPermaLink="false">http://www.raybenjamin.com/wordpress/?p=147</guid>
		<description><![CDATA[Our friends over at Fox News no longer call the Rich rich. They are called Job Creators, and we are all told we should be ashamed for even considering punishing these paragons of hard work by taxing them at the &#8230; <a href="http://www.raybenjamin.com/wordpress/2011/08/30/job-creators-really/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p>Our friends over at Fox News no longer call the Rich rich. They are called Job Creators, and we are all told we should be ashamed for even considering punishing these paragons of hard work by taxing them at the rate they paid in the 1990&#8242;s. That would, we&#8217;re told, keep these noble individuals from creating the jobs that will rescue us from this stagnant economy.</p>
<p>But, if giving the &#8220;Job Creators&#8221; a tax break is going to create jobs, where are the jobs? The richest people in our country have been enjoying this tax break since shortly after Bush took office. If this is what gives us a secure and healthy economy, how come we just had a big meltdown? And, weren&#8217;t a lot of the &#8220;Job Creators&#8221; involved in that meltdown?</p>
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		<title>Oil Spills Happen</title>
		<link>http://www.raybenjamin.com/wordpress/2010/05/27/oil-spills-happen/</link>
		<comments>http://www.raybenjamin.com/wordpress/2010/05/27/oil-spills-happen/#comments</comments>
		<pubDate>Thu, 27 May 2010 14:43:57 +0000</pubDate>
		<dc:creator>rben13</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[Environment]]></category>
		<category><![CDATA[Oil Spill]]></category>

		<guid isPermaLink="false">http://www.raybenjamin.com/wordpress/?p=94</guid>
		<description><![CDATA[Well, what did you expect? When you have tens of thousands of off-shore oil well drilling in deep waters in an environmentally sensitive area, you are going to have a disaster. This is what environmentalists said when there was debate &#8230; <a href="http://www.raybenjamin.com/wordpress/2010/05/27/oil-spills-happen/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p>Well, what did you expect? When you have tens of thousands of off-shore oil well drilling in deep waters in an environmentally sensitive area, you are going to have a disaster. This is what environmentalists said when there was debate about opening up the gulf to oil drilling. It&#8217;s what has been said about drilling off the coast of Florida. Even the Exxon Valdez wasn&#8217;t enough to convince people that the danger of a catastrophic oil spill is both real and frightening.</p>
<p>One this leak is stopped, most of you will go back to your lives and your chief worry will be about how much this disaster will affect oil prices and thus the price of a gallon of gas at the pump. And, of course, that&#8217;s the problem, the real reason that these things happen. Too few Americans feel any need to concern themselves about environmental issues, or about the other consequences of our addition to oil.<br />
<span id="more-94"></span></p>
<p>Every time you use some oil, whether it&#8217;s as gasoline in your car, plastics in consumer goods, electricity generated by oil burning plants, or even adding a can of lubricant to your car, you contribute to a host of problems that at first seem unrelated. But just for fun, lets consider them.<br />
Here&#8217;s a brief list. It&#8217;s not comprehensive. When you use oil:</p>
<ul>
<li>Much of the money you spend goes to governments that are hostile to the U.S. The money behind 9/11 came from Saudi Arabia, a country that is supposed to be our ally, but also the country from which most of the funding for Islamic terrorists originates. We also get oil from several African countries run by brutal dictators.Most of the big oil companies are so coddled by our government that they pay little or no taxes. It makes you wonder why we allow such cozy relationships between the safety regulators and the oil companies when these companies put us at risk for catastrophic environmental damage but pay no taxes.</li>
<li>You contribute to green house warming, now called Climate Change. Recent evidence indicates that the changes we&#8217;ve already triggered in our climate may take place far faster than anyone wants to believe. We could see sea levels start to rise rapidly and see a transition to much warmer temperatures in as little as fifty years. There is evidence of such rapid climate transitions in the stalagmites found in blue holes in the Bahamas.</li>
<li>You help set the stage for ecological disasters like the Exxon Valdez and the Gulf spill. Like it or not, all of us who use gasoline are as much part of the problem as BP is. We&#8217;ve known for forty years that it is foolish to depend on fossil fuels and foreign governments for our energy, but we&#8217;ve done little or nothing to correct the problem.</li>
<li>You use up a finite resource. Eventually, we&#8217;ll run out of oil. Long before that, it will become far too expensive to use for energy production.</li>
</ul>
<p>There are tens of thousands of oil wells in the Gulf of Mexico. There is no reason to believe that any of those wells are run any more responsibly than this well was. That means we are at immediate risk for more spills just like this one or perhaps worse. In fact, it is inevitable. There is no way to predict and allow for every possible eventuality. Sometimes, you just have to make the decision that the cost to our environment has to be figured into these decisions and we have to say no.</p>
<p>Contrary to the right-wing alarmists, shifting away from oil isn&#8217;t going to cause some horrible catastrophic economic downturn. There&#8217;s no reason for that to happen at all. In fact, if we can simply start to reduce our dependence on oil by two to three percent per year, we can stave off much more expensive problems, and possibly even avoid the worst of the possible Climate Change scenarios.</p>
<p>There are two ways to reduce our dependance on oil. We can conserve, and we can use renewable sources of energy.<br />
Conservation is much easier than it used to be. Simply getting everyone to shift to Compact Florescent bulbs will save lots of energy. If you want to do your part, that&#8217;s a great place to start. Getting a plug-in hybrid, pure electric, or even just a very efficient automobile will also help our nation make the transition. Recycling aluminum saves enormous amounts of energy. Extracting aluminum from ore is a very energy hungry process, while recycling uses only a tiny fraction of that energy.</p>
<p>There are many people who are terrified of change, or so heavily invested in the status quo, that they refuse to acknowledge what&#8217;s happening. They claim climate change is some kind of liberal conspiracy. But even if Climate Change were not an issue, oil is still a bad idea, because the supply is finite and because the oil industry bleeds money out of our pockets and puts it in the hands of people who have no loyalty and no love for us or our country.</p>
<p>It doesn&#8217;t take much on your part to make a difference. Recycle, Conserve, and let your elected representatives know that reducing our dependance on polluting fossil fuels is important to you.</p>
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		<title>Saving Money On HealthCare</title>
		<link>http://www.raybenjamin.com/wordpress/2009/08/24/saving-money-on-healthcare/</link>
		<comments>http://www.raybenjamin.com/wordpress/2009/08/24/saving-money-on-healthcare/#comments</comments>
		<pubDate>Mon, 24 Aug 2009 20:54:22 +0000</pubDate>
		<dc:creator>rben13</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[health care]]></category>
		<category><![CDATA[politics]]></category>
		<category><![CDATA[public option]]></category>

		<guid isPermaLink="false">http://www.raybenjamin.com/wordpress/?p=56</guid>
		<description><![CDATA[How can giving everyone insurance reduce healthcare costs? It sounds crazy, on the face of it. It doesn&#8217;t take a genius to understand, despite all the nonsense some people are pulling out of their nether regions. When you don&#8217;t have &#8230; <a href="http://www.raybenjamin.com/wordpress/2009/08/24/saving-money-on-healthcare/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p>How can giving everyone insurance reduce healthcare costs? It sounds crazy, on the face of it. It doesn&#8217;t take a genius to understand, despite all the nonsense some people are pulling out of their nether regions.</p>
<p>When you don&#8217;t have insurance, what do you do? You don&#8217;t go to the doctor. You keep hoping you&#8217;ll get better. Sometimes that works. Sometimes you just die. But too many times, you wait too long and then you wind up going to the emergency room. By then, what you have is very serious and it costs a whole lot of money to fix it.</p>
<p>How do I know? Because it happened to me when I was twenty. I got sick but had no insurance. If I had gone to the doctor and been properly diagnosed, it would have costs less than ten dollars a month to treat my disease. Instead, I didn&#8217;t go in until I was nearly dead and had to be carried in by friends. I had to spend two days in intensive care and another twelve days in a ward. It cost over twenty thousand dollars, and that was almost thirty years ago. I&#8217;m sure it would have cost a lot more now.</p>
<p>I&#8217;ve talked to other people who have the same disease I had, which is chronic, and many of them didn&#8217;t have insurance. They also couldn&#8217;t afford the medicine. So, in one man&#8217;s case, he would be back at the hospital every couple of months. He&#8217;d use up resources and take up a be for several days before he&#8217;d be well enough to leave. He couldn&#8217;t hold down a job because of his frequent absence due to his illness. He had to get by with day labor. If he&#8217;d had insurance, his disease could have been managed as mine was after my incident in the hospital. I only went into the hospital because of that disease one more time, and that was fifteen years later, and it was to have the offending organ removed.</p>
<p>Treating that poor gentleman probably cost far more than my insurance premiums. In fact, I&#8217;d be willing to bet that treating him cost more in a single year than my insurance has cost myself and my employers that whole time.</p>
<p>I suspect that the man I&#8217;m refering to is probably dead by now, even though he was the same age as I was. Had he had insurance he could have worked a better job. He would have been a productive member of society. Instead he wound up having a miserable, and probably short, life. If I&#8217;d not been very lucky, that could have been me. It could have been you.</p>
<p>My father did some work for a hospital down in Florida. He was a marketing consultant. They asked him about a problem they had. They were a private hospital, but they were the only game in town, and never turned anyone away who needed care. They had just invested in a couple of birthing rooms.</p>
<p>Unfortunately, because of the way the county was zoned, everyone was either VERY rich, or VERY poor. The very poor women in the comunity were coming in with premature labor, underweight sick babies. The hospital often had to use the birthing rooms for these indigent patients. It was costing them a great deal of money.</p>
<p>My father made a simple suggestion: he told them that the best way to solve this problem was to send a van out to the poor part of the county once a week. The nurses in the van sought out pregnant women and taught them about proper diet, excercise, and the need to refrain from drug use. The nurses also handed out pregnancy vitamins and helped the women have full term pregnancies, which resulted in healthier babies.</p>
<p>The hospital was able to go back to charging an arm and a leg for the birthing rooms. The poor women in the community were taken care of and had healthier babies. The van and the nurses cost the hospital some money, but far less than the profits they were losing on the birthing rooms.</p>
<p>Good community healthcare just makes sense and it saves money.</p>
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