Yes, Joe Biden could become President

Joe Biden just might become our next President, maybe within a year.  Oh, we can just hear the usual sources saying, “Good the GOP is going to impeach the President.  Well just let them try.”  No that’s not what we’re saying.  The idea that Republicans would go through a fruitless effort to impeach the President just to have Biden take over is ludicrous.  The GOP isn’t going to push Pres. Obama out the door, but the Democrats just might.

Presently, almost 2 out of every 3 Americans think the President is doing a poor job.  Things could get a lot worse.  Suddenly 30,000 Lois Lerner emails show up.  Now maybe nothing is found there, but what if a link to the White House is established?  Criminal behavior? Continue reading


Sunday is generally a very laid back time for us.  Sports, Sunday papers and talk shows to settle into.  Not this Sunday.  Ferguson, Mo ready to explode regardless of which way the Grand Jury decides.  Michael Erich Dyson telling Rudy Giuliani the New York police are an occupying force. The New York Times devoting a third of their editorial page on letters about Niholas Kristof ‘s endless white guilt trip series “When Whites Just don’t get it”.  It seems that non blacks just don’t see things from a black point of view the way they should.  O. K.  But it got us to thinking, maybe there’s another problem.  Blacks don’t see how they are viewed by others and maybe they should.  Here at Detour we have always held the belief that the wealth of any nation is in its people not its natural resources.  Where others  just see rock, a motivated entrepreneurial people produce bountiful oil and gas.  People make it a resource not the other way around.  In that vain we see developing our people to be the best they can be is our highest priority.  The biggest underdeveloped part of our society is the Black community and as such we have backed things we thought would improve their prospects to the nation’s benefit. Continue reading


Q.  How does this differ from Health Savings Accounts and very high deductible plans on the ACA exchanges?

A.  We think our plan would be much better at lowering costs.  The Catastrophic Policies would be cheaper because they could be bought Nationally with no payment defaults and stripped of any mandatory additions such as birth control or prostate tests.  You tailor you account to your individual needs.  Everything else in healthcare should be cheaper.  If a huge market with no credit risk or no third parties to add costs and paper work doesn’t lower costs than nothing will.  One caveat, however, is in the beginning with so many newly covered even 2 1/2 years might not give providers time to gear up.  That might result in some bottlenecks that might result in some temporarily higher prices or waiting times.  We don’t think the market will let that go on very long.  In any case  providers are dropping Medicaid patients now at an alarming rate and that would never get better.  Because surgeries are a big part of the Catastrophic Policies, one other thing we would like to see is a policy option that would cover accredited foreign providers to lower the premiums.  According to the Oct./Nov issue of AARP  magazine a heart bypass in the U.S. costs $88,000, In Costa Rica $31,500 and in India $14,400.  We saw a brand new hospital in India and when we asked about the surgeons we were told that every one of them had served on the staff of a major U.S. hospital.  Additionally this would put price pressure on our hospitals.  In any case each dollar in your PSA would buy more health care than if it was put in a Health Savings Account or an ACA  very high deductible plan does now.  We believe that the differences could be substantial.  As people’s accounts grow and innovation kicks in over time the problem as a percentage of GDP would shrink.  You can’t say that about any other plan we’ve seen. Continue reading


Q.  Having already gone through the horrors of one botched roll out, how can you assure us that this won’t be another complicated mess?

A.  It’s an ill wind that doesn’t blow someone some good.  By building on some things already associated with the Affordable Care Act (ACA), subsidies, the individual mandate and the IRS, we think we can convert the Affordable Care Act (ACA)  to Dave’s Plan in 2 1/2 tax filing years without too much misery.  In the first year, the IRS would change their filling forms to include the individuals Personal Benefits Accounts (PBA) information and reporting requirements by financial institutions.  More importantly they would upgrade their payment software to incorporate the appropriate income and age levels for depositing the proper Medicaid and subsidy payments to the PBAs.  Governments both Federal and State would have to determine what they are paid out in the previous year on average for subsidies and Medicaid by income and age group and get the numbers to the IRS in time to incorporate them in the following year.  This could be a little tricky as medicaid varies between the states. However, in is this age of big data this shouldn’t be a problem. They should have this information anyway.  With the IRS organized, providers and financial institutions could start gearing up for the changes.  The institutions would have to incorporate payments for the qualified Catastrophic Policy whether they sold it or the account holder bought it elsewhere. Then their medical care only credit cards would have to be coordinated with providers probably through card companies (Visa, MasterCard etc.).  Businesses would have to decide whether to drop benefits and just be responsible for payroll deductions and transfer to the employee’s PBA or go to or maintain a contractual system where they where would remain responsible for Health and retirement.  If it’s the latter, the info would be included in their W2s.  Health Insurance policies wherever purchased for the next year would be extended to Oct. 15 of the following year (Approx 18mos.) Continue reading


What are our real interests in the Middle East?  What would we find unacceptable?  Destruction of Israel?  Slaughter of the Kurds?  Annihilation of religious or ethnic minorities such as the Yesidis?  Closing of trade routes especially for oil?  Most people would probably agree on these.  Sure there are some isolationists that say none of this is our business.  That would be unrealistic.  Chase Yesidis up a mountain and public pressure demands we send in the planes and we do.  Nobody wants another Rwanda. Since the  beginning of the 19th century we have had warships with marines aboard protecting trade routes.  We’re not about to change now.  We feel a certain affinity towards the Israelis and the Kurds.  We have extended our protection to both for decades and that’s not going to change either.  What else?  Iran as Nuclear power is a problem we will deal with separately. Continue reading