Monday, November 2, 2009

Health Care Reform 2009---I'll Take A Pass

Everyone knows our health care system is broke. We all understand that what has made it malfunction is the private sector and how the Invisible Hand of free markets fails to be sufficiently progressive.




But soft! Gaze carefully at the chart above. And that is but one portion of how the Federal government is involved in health care. Don't think for a minute that what we experience today is anything closely resembling a free market health care sector. Health care costs out of control? In the private sector only?

Apart from the near trillion dollar Medicare system, let's look at several other ways the government is involved in health care:

--The US Military system (of which I was a part of until I got out of college), which covers millions of active duty personnel, retirees, and dependents of the Defense Department. Members of Congress, the Federal judiciary, and the Executive branch also can take advantage of the system. If one is in the US Coast Guard, Merchant Marine, or a uniformed officer in NOAA or the USPHS, there are Public Health Service Hospitals. I make no judgment on the quality of such care, I simply note its expensive and a significant public sector player in our health care system.

--The Veterans Administration and its associated VA Hospitals, the likes of which should send most of us running in the other direction when the words "Public Option" are mentioned. Review any of those "Fair and Balanced" non-Fox News specials on the shortcomings on the VA Hospital system.

--The FDA--the slow, inefficient arbiter and czar of approved drugs. And a major factor in the price of drugs and the lack of new drug therapies on the market. Even more strange; our far more socialist allies in Europe have been able to get drugs to market faster and in greater numbers than here in the United States.

--The National Labor Relations Board, an entity captured so severely by the labor movement in the post WWII environment that the entire country wound up with the concept of health insurance tethered to employment, rather than it being portable and individualized in the same manner we choose auto, hazard, and other forms of insurance.

--The supply of hospitals, the quantity of which is controlled in every State of the Union by local and statewide hospital authorities. Ostensibly, these gatekeepers were created to make sure competition in any geographic area did no harm, a backhanded attempt to prevent broad failures from cutthroat free market activities. All too often these entities restricted competition, favored legacy institutions, and opposed competing interests to government owned hospitals.

--Public hospitals make up 1/6 of the total number of hospitals in the US. Further, 2/3 of all urban hospitals in the US are "non-profit", meaning only 1/6 of all urban hospitals in the United States are truly "private sector".

--Federal employment law which dictates who and how employees get covered by any employer that chooses to provide health insurance.

--Federal and state laws (in cahoots with insurance companies) that prevent physicians from charging anything other than the same fixed price to everyone for any specific procedure. Five years ago, when serving on a committee that eventually led to the creation of the Community Care Clinic of Dare, I discovered that a family doctor could not discount services to an indigent patient--he or she had to charge the patient the same amount as anyone else, or provide the service pro bono under the guise of a community clinic.

--Laws that require Emergency Rooms in hospitals to function as family doctors, turning away no one. The bills are paid through Federal and state taxes as well as passed on to paying customers and insurers in the form of higher premiums to cover the losses on these services.

Still not convinced? Check out this article in Policy Review entitled "The Forgotten Entitlements", published in the Feb/Mar 2009 issue. Two Federal programs most of us have never heard of, Social Security Disability Insurance and Medicaid Long Term Care, now constitute 6% of the Federal budget. In the past ten years alone, SSDI added 2.5 million additional recipients and costs $93.5 billion per year. MLTC takes $63 billion from the Feds and an almost equal amount in matching funds from state governments, totaling $111 billion in 2006.

There are other arguments to be made, centered more on true ideological differences, such as how does one make what is known as a "claim right" on another's labor and expect said labor market to grow, improve and attract the best and brightest. Let us also not forget the trillions of dollars spent since the 1960's on public education, the War on Poverty, and the War on Drugs. What have been the fruits of any of these massive expenditures?

Still hesitant? In June, 2009 the World Health Organization declared swine flu a pandemic. Four months later, President Obama got around to declaring swine flu a National Emergency (on October 29).

And from the Washington Post, a "real" news network according to members of the Obama Administration, we found this on October 27th:

In July, Obama administration officials said companies could make 80 million to 120 million doses by mid-October. They outlined an aggressive response to the pandemic, spending more than $2 billion to buy 250 million doses of vaccine and promising enough to inoculate every American.

Of course, Obama blamed to drugmakers, as the article points out. Unlike Bush and Katrina, Obama and the Feds get a relative break from the Post on this swine flu mishap, but then again, Obama isn't Bush and there was no media interest in nationalizing hurricanes at that time. Any major coverage of the Obama Adminsitration failing to deliver the goods on swine flu vaccine would not only make his Administration look bad, it might give pause to citizens contemplating turning over their entire health care to Uncle Sam.

Today's Ocean--Avalon Pier


Overcast, a steady (2+ days) but not really strong NE wind (avg 14 mph with gusts 25+) caused some over wash down south and even on the north beaches.

Sunday, November 1, 2009

Java Journey's--Nags Head

If any business sectors refute the common wisdom that the invasion of national chains inevitably spell doom for the local mom and pop operations, pizza and coffee are certainly excellent choices. As Slice, Cosmo and Garden pizzerias demonstrate a good product trumps the likes of Pizza Hut, Domino's and Little Caesars any day of the week.

Ditto in the world of java. While Dunkin' Donuts (Nags Head and KDH) and Starbucks (Southern Shores) have been successful, local coffee shops appear to be doing just fine.

My regular morning stop is almost always a Front Porch location for coffee (although I readily confess that if I'm hungry, the DD's sausage croissant is added to the mix). This local chain has done so well it added a new and very nice venue in Manteo this past year. Now, its time for the Nags Head location (formerly in the Forbes Candy/Grass Shack strip center) to move to greatly expanded digs at the new Food Lion center, barely a quarter mile up the Bypass.

Here is a view of the construction. It appears the Front Porch is going to occupy both units pictured here if the signs in the window are indicators.

Alas, the spot vacated by the Front Porch in Nags Head will add to the coffee wars. A new shop, operated by former Front Porch roaster/blender Ashley Barnes will replace the departed Front Porch. Regular readers of this blog will remember a post on Ashley from our June offerings. Her new store is aptly named "Morning View".

Damn. Split loyalties! But one must make sacrifices. I'm looking forward to experimenting with whatever new blends Ashley will concoct.

This little area of Nags Head is now the Java Triangle, with Morning View and The Front Porch forming the base, and Dunkin' Donuts along the west side forming the point. Let the games begin!

Thursday, October 29, 2009

Riesling--A 2% Difference (And Some Random Thoughts To Boot)

I know I'm behind on local coverage as well as funny stuff and political postings. Between school, teaching, and the never-ending expansion of licensing and classes before I become a full fledged mortgage lender under Federal guidelines, time has been short.

But I promise to return.

First, we may or may not have a new Mayor in Nags Head. And the race in Southern Shores is equally interesting. (BTW, I am a big fan of Brian McDonald, if you live in SS, keep him there!)

Next, my old "buddy" Ray Midgett now has his own blog. It seems to be focused on Ray's usual areas of interest--no beach nourishment of any kind and a hawkish view on local government spending, so I expect to be a yo-yo in support and apoplexy regarding his posts.

We also have two new coffee venues in Nags Head set to open in November; the first a completely new store; the second a relocation/expansion of an old favorite. As soon as I find some time, we'll be there.

Lastly, I have some photos of my participation in the Nags Head Surf Fishing Tournament, and next week I'll be joining the team for the Cape Hatteras Angler's "Big Hatteras" Tourney. Nothing cooler than two nights at the Falcon Inn!

In the interim, a little wine break.

Riesling is a cool white wine. Mostly, it hails from Germany, the Alsace region of France, Austria, and in the United States, the Great Northwest. One can also find Riesling in Australia and New Zealand.

A well made Riesling can be easily identified by aroma alone. Its flowery, perfume-like scent is unique. Riesling comes in four versions; dry (not sweet), semi-sweet, sweet, and sparkling. Of the first three, one can determine the sweetness by the alcohol content. If alcohol runs more than 12%, the wine will be dry, and since Riesling is very acidic, it will also be bracing. Between 10% and 12% alcohol, you will find the semi-sweet version, or "off dry". Below that level the wine is very sweet, which means it is high in sugar content. A 9% Riesling is such an example. If the grapes have been allowed to be "infected" by botrytis (known as "noble rot") the wine will be so sweet it is typically offered as a dessert wine and sold in small, expensive 375 ml bottles.

I prefer the bone dry Rieslings, my wife the semi and sweet versions. The cool thing about this is that because of the high acidity, even a semi-sweet Riesling can stand up to spicy foods such as Thai or sushi served up with Wasabi. Thus, my wife and I alternate between the dry and off-dry versions.

If you are one of those people who think wine tasters are snobs or believe you cannot really discern the differences in wine, even if constructed from the same grape varietal, the above will allow a test that can be conducted for less than $30 total. Both wines are available at any national chain grocery store.

The wine on the left is a 2006 Washington Hills Riesling from the state of Washington. It weighs in at 11% alcohol content, making it an off-dry (semi-sweet) version. The wine on the right is a 2006 Babich Riesling. Its alcohol content is 13%, making it very dry.

I am willing to bet if any of my readers buy these two wines and taste them side-by-side, they will easily detect the difference between a dry and off-dry white. And, with a little swirling and sniffing of the glass, I suspect you will note the unique scent of Riesling, especially in the Washington Hills 11% version.

Of more interest, pair them both with something spicy, like Thai food. Even though one's intuition dictates that a semi-sweet wine would be cut down by the spices, you will find that both versions can stand up to Thai cuisine. The reasons? Riesling is still acidic, even when sweet. And, Thai food is built upon the presentation of sweet and sour flavors in contrast. A dry Riesling will cleanse the palate of the spice, a semi-sweet Riesling compliments and offsets the sour and hotness that is Thai food. In a perplexing puzzle, both work equally well with Thai food and even better with sushi if one prefers generous amounts of wasabi.

If you want to carry the experiment further, invite a group of friends, go to your local wine store, and ask for a creamy, oaky Chrardonnay. You'll see almost immediately that the oaky Chards will be washed out by the Thai flavors. Try that same Chard with creamy bisque and it will fit right in!

And to my friend Kathy who thinks this wine silliness is, well, silly, give this experiment shot!

Tuesday, October 27, 2009

More Endorsements--Nags Head--Sadler & Remaley

To add to my previous post, apart from the mayoral race, we also have four candidates running for two Board of Commissioners seats. In Nags Head we do not use precincts, so all Commissioners are essentially "at large" and the top two vote recipients will win the seats.

This year, incumbents Anna Sadler and Doug Remaley are being challenged by Joseph Maione and Will Woolard. Maione formerly operated Maione's Italian restaurant, where La Fogota is presently located. Woolard is president of Dare Capital Management, LLC, a financial planning entity.

I am very satisfied with the performance of our incumbent commissioners and for that reason I am supporting both Remaley and Sadler. In the case of Remaley, we have a strong voice for property rights and oft times he displays a broader point of view in those discussions. Both he and Sadler are strongly in favor of beach nourishment, including maintaining interest in the Army Corps plan.

Over time, I have become more and more skeptical of the viability of the Army Corps renourishment plans, but until we debate the issue in Nags Head on a more science/return on investment platform versus the "class warfare" scenarios of past votes, I refuse to disregard the Army Corps as an option. I expect our elected officials to maintain the same open-mindedness.
Both challengers openly oppose the Army Corps plan. Maione goes further, claiming that somehow the only beneficiaries of refurbished beaches are ocean front property owners, rather than the town (and by extension, the entire county) at large. Given such a short-sighted point of view on what is essentially are primary revenue generator deserves a "no confidence" vote.

On election day, I'll be pulling the levers for Bob Oakes, Doug Remaley, and Anna Sadler.

Monday, October 26, 2009

Nags Head Mayor


Thanks to the power of email, especially cell phone powered access, I can stay current with local events even when I am out of town or too busy to follow the OBX print media. And so it was when an email popped up on my Blackberry concerning the Nags Head mayoral race between Renee Cahoon and Bob Oakes.

Cahoon ran a newspaper advertisement contrasting her votes on certain issues with those of Mr. Oakes. If one keeps up even remotely with the Nags Head Board of Commissioners, a cursory review of the subject advertisement reveals some literary license was taken.

If you wish to read an excellent point by point rebuttal of the advertisement's claims and how/why Mr. Oakes really voted, I'd advise one go straight to Bob's campaign site and read his response. It's right here.

If a mouse click is too much work (its cold, dreary and for many, a long work day) let me assure you that I have never heard Oakes oppose a southern terminal groin to help what we call "south beach" erosion here in Nags Head. But I have heard him express reservations about such groins becoming ubiquitous throughout the town and our State, a sentiment I share. The proposal he was asked to support was not specific to South Nags Head, it implied an endorsement statewide.

The issue of central sewerage is also a non-starter; I've never heard Oakes propose or support such a scheme on a town wide basis, and the votes referred to in the ad were specific to one potential new industry requesting access to an existing private sewer system.

In an earlier post, I endorsed Bob Oakes for mayor. As I mentioned before, it wasn't an easy decision. I consider Renee a friend and I've worked to elect her to office each and every time she has run. But times change, and this year, I believe Bob is the right person to lead Nags Head at this time. I hate opposing Renee, but I feel it is in the town's best interest if Bob Oakes leads us during these trying economic times. His personality, common sense, and the thoughtfulness he puts into the positions he takes reminds me of another excellent mayor--Bob Muller.

Check out the web site and learn more about the candidate.

Sunday, October 25, 2009

Croatan Surf Club


If there are two words that haven't gone together when describing local accommodations, its been "luxury condos". That omission to our local quiver of spots to rest and relax has been corrected with the arrival of the Croatan Surf Club. My photography skills leave much to be desired, so I recommend you click on the link one sentence previous in order to fully appreciate this complex.

Before I go further, let me offer my usual disclaimer. We are not compensated in any manner when we review local commercial entities. In most cases I either know the owners (as in this situation) and want to see them succeed, a friend has referred me, or its serendipity.

I saw these up close and personal last weekend as my mother and sister stayed in them for a short vacation. Their unit was on the fourth floor, and was one of the side units that faces south instead of directly to the ocean. Nonetheless, the views were spectacular:



A luxury condo presence adds a second choice for families and groups who visit here at the same time. The OBX now hosts a large number of high-end vacation homes loaded with fantastic amenities including media rooms, spas, exercise and game rooms, huge swimming pools, indoor, outdoor, and multiple floor kitchens, and of course, enough bedrooms and baths to handle 20 people.

For those who prefer to vacation as a group but might wish to escape the hoards of relatives and friends at night and other times of the day, the Surf Club provides a viable alternative. Schedule early enough in the year and your entire clan can probably reserve enough units for everyone to be together without being "together". In the shoulder seasons, I suspect this is even easier to accomplish, which is one of many factors why every unit should be sold as of today. I believe the rental weeks and days on these condos will exceed those of free-standing homes.

Located in Kill Devil Hills, this is the only ocean front property I know of in an "X" flood zone, meaning flood insurance is dirt cheap. The beach in front of the Croatan looks to be an accretion zone rather.

In the rear one finds a huge kiddie pool, an even larger adult pool, plus an outdoor spa...

Kids pool.



Big pool.


Outdoor spa.


Too cold for you? Check out the indoor pool and spa!



Indoor spa above, pool below

A small exercise room and a game room replete with arcade games is also housed in this winter retreat.

On the west side of the dune line is a beautiful gazebo, deck chair area, and a walkover to the beach:




Within the four stories are a number of great floor plans. The first floor is all covered parking with owner storage. Second through fourth floor units range from "flats" to multi-level town home-style units. Size does matter, with square footage running from 1100 s.f. on the low end to a whopping 2000 s.f. for the larger units. My folks stayed in a flat with 3BR, 3 baths, and great Master, large oval tubs with spa nozzles, Bosch appliances, granite counters and wood flooring. Units come with washers, dryers, irons, blenders, and everything one needs to cook or mix libations.

Their unit also featured a flat screen TV in each room, remote controlled ceiling fans, tasteful art, furniture and wall accents, as well as tray ceilings for an added touch of craftsmanship.





Planning a visit? Stay here!

Better yet, if you're looking for a unique investment that is well-priced and has real ROI potential, I'm not sure why you don't already own one of these condos!