"For people will be lovers of self, lovers of money, proud, arrogant, abusive, disobedient to their parents, ungrateful, unholy, heartless, unappeasable, slanderous, without self-control, brutal, not loving good, treacherous, reckless, swollen with conceit, lovers of pleasure rather than lovers of God, having the appearance of godliness, but denying its power. Avoid such people. For among them are those who creep into households and capture weak women, burdened with sins and led astray by various passions, always learning and never able to arrive at a knowledge of the truth." - 2 Timothy 3:2-7
@peterrhague Wife: <problem>
You: <emotional support>
Wife: thanks for listening
You: what do you want to do about it?
Wife: <her solution>
You: what do you think about <your solution>
@BernieSanders Seize the means of production and then next time we have a government shutdown you can’t have your life saving medical needs met either!!
@WallStreetApes I feel for her - bills have been going up. However, if we as taxpayers have allowed her to buy the kinds of things that make you that unhealthily large, then we need to change how the system works. We have been killing her with kindness.
Healthcare reform must be market-first and focus on empowering individuals and starving bloat. Let people spend their own money how they want and suddenly the bloat disappears. Here are the pillars that I have been thinking through:
1. Interstate Competition: Mandate insurers offer plans across all states or regions (e.g., NW, NE) to broaden risk pools and drive prices down. Ensures mid/high-income families (e.g., $100K-$275K) see 25%+ premium drops without rural gaps.
2. Flexible Coverage Options: Allow customizable plans (e.g., catastrophic-only; exclude gender-affirming care as mental health issue with therapy-first/least-harm focus; exclude routine check-ups/maintenance paid via cash/HSA). Protects OOP for families by shifting non-essentials out; therapy buffers mental health without "elective" spikes.
3. Universal HSAs: Open Health Savings Accounts to everyone for tax-advantaged savings on medical costs. Acts as mini-voucher for all brackets—deducts $3K-5K pre-tax, cushioning OOP spend.
4. End Employer-Sponsored Insurance: Shift to individual markets for true portability and personal choice. Wage pass-through (~90% of subsidies as raises) offsets premium shifts—e.g., $10K+ bump for $100K earners, erasing job lock.
5. Replace Medicaid/Medicare with Stipends: Phase out programs; provide income-based vouchers for modest private plans (healthcare-only use), time deployment after market stabilizes. Retirees/seniors get surplus cash (~$4K-6K) post-coverage; Most favored nation drug price.
6. Full Pricing Transparency: Eliminate negotiated rates; require open, standardized pricing for all services/drugs to enable real comparison-shopping. Powers 25% OOP/premium cuts across profiles—e.g., families hunt MRIs for $500 vs. $2K blind.
7. Doctor-Led Medical Necessity: Empower physicians (not insurers) to determine essentials, with evidence-based limits and audits to curb abuse. Cuts denials/delays for all (e.g., no 20% arbitrary rejections), stabilizing OOP at baseline for "great" plan holdovers.
8. Targeted Deregulation: Right-size rules to slash admin (billing, hurdles) while protecting against fraud; mandate funding disclosures/audits for all healthcare research. Frees 20% system savings, flowing to tax cuts.
9. Eliminate PBMs: Ban pharmacy benefit managers to end middleman skimming and enable direct pharma-pharmacy pricing. Slashes drug costs 20-40%, amplifying stipend value for low/fixed-income.
10. Slash Public Funding: Drastically/quickly reduce federal/state healthcare spending to force efficiency, synced with reforms. Enables 12% effective tax rate drop—$2K household savings for $100K families.
11. Individual Buying Cooperatives: Allow low-overhead co-ops for pooling into group rates, with 2-3% admin caps. Flips employer-losers to winners. 8-20% extra premium shave (e.g., $1K-2K for retirees/families).
I have been thinking on this and I have 11 pillars for reform. Here's the cliff notes.
1. Interstate Competition: Broaden risk pools, lower prices.
2. Flexible Coverage Options: Customizable plans, exclude non-essentials.
3. Universal HSAs: Tax-free savings for all.
4. End Employer-Sponsored Insurance: Boost portability, wage pass-through, individuals have skin in the game.
5. Replace Medicaid/Medicare with Stipends: Vouchers for modest plans, other pillars make this a net win for grandma and grandpa.
6. Full Pricing Transparency: Open rates, enable shopping.
7. Doctor-Led Medical Necessity: Physicians decide essentials, strict least harm doctrine.
8. Targeted Deregulation: Slash admin, audit research.
9. Eliminate PBMs: End middleman drug skims.
10. Slash Public Funding: Force efficiency, cut spending.
11. Individual Buying Co-ops: Pool for group discounts.
First Tim Allen, then Ben Shapiro, Jordan Peterson, Dennis Prager, Megyn Kelly, Donald Trump, Scott Adams, Tucker Carlson and yes, now Kimmel and Colbert.
I do have sympathy for people that have spread hatred and false information about Charlie Kirk and others. There has been a concerted effort to pit brother against brother using the MSM for many years. They focus on division instead of unity and use language that incites hatred for one another. Even though the public has been victimized, and possibly even brainwashed to an extent, they are still ultimately responsible for their conduct; there are still consequences to behavior. People are waking up and realizing they have been lied to for years, they are choosing Jesus, seeking truth over ideology, and not willing to tolerate lies or half truths anymore. The purveyors of false information calling conservatives "Nazis" and "Threats to Democracy" for the last 10 years is what got us here.
The name calling on the Right is not non-existent either. I have seen "communist" and "groomer" accusations be applied too liberally. Fuentes and others blame "the Jews" for all of society's ills. That is disgusting and these are either blatant lies or half-truths.
The time has come for factual truth. Not half truths or blatant lies. The answer to this cultural problem is not going to be an easy one to determine. My hope is that we can all seek truth and speak truth. That we surrender ourselves to Jesus, and the hope that is in the Word, and that we can have civil debate, test our ideas, and examine our lenses that we see the world through.
First Colbert, now Kimmel.
Last-minute settlements, secret side deals, multi-billion dollar mergers pending Donald Trump's approval.
Trump silencing free speech stifles our democracy. It sure looks like giant media companies are enabling his authoritarianism.
Gold and silver have underperformed for a long time so not surprised they’ve finally gotten some juice now that interest rates have been higher for longer. I’ll be curious to see how they perform once interest rates get cut which I predict will start happening fast once Trump gets his way with the Fed.
I think in the next couple of years we will see something like this metals run in the O&G sector as well. Extended underperformance + high cost of capital + running out of inventory should probably catalyze an oil and gas run.
Demand has held steady at around 1% growth, despite so many “experts” predicting demand dropping over the years, they’ve been proven wrong. There’s no end to demand as long as we don’t have unlocked cold fusion at scale.
This touches on what I was talking about over lunch with my wife. While I think these people loosing their jobs should be nowhere near education or healthcare, etc, I still have some sort of strange sympathy for some of them precisely because they have been programmed or shepherded into a false reality. One they didn’t make for themselves. While I agree that they are ultimately responsible for their actions and thoughts, they are also victims and pawns of the real enemy. The real enemy are the ones that create this false reality whose fruit is a hatred for western Christian values; a celebration of evil that they have made palatable enough to recruit and fool these people.
Best to just not associate with empeople that have chosen the darkness over the light. Not saying that we shouldn’t evangelize but entwining business or anything with them is not serving Jesus. “Do not be yoked together with unbelievers. For what do righteousness and wickedness have in common? Or what fellowship can light have with darkness? … Therefore, ‘Come out from them and be separate, says the Lord.’” 2 Corinthians 6
And the New Testament commands:
"Everyone who goes on ahead and does not abide in the teaching of Christ, does not have God. Whoever abides in the teaching has both the Father and the Son. If anyone comes to you and does not bring this teaching, do not receive him into your house or give him any greeting, for whoever greets him takes part in his wicked works." - 2 John 1:9-11
“If your brother, the son of your mother, or your son or your daughter or the wife you embrace or your friend who is as your own soul entices you secretly, saying, ‘Let us go and serve other gods,’ which neither you nor your fathers have known, some of the gods of the peoples who are around you, whether near you or far off from you, from the one end of the earth to the other, you shall not yield to him or listen to him, nor shall your eye pity him, nor shall you spare him, nor shall you conceal him. But you shall kill him. Your hand shall be first against him to put him to death, and afterward the hand of all the people. You shall stone him to death with stones, because he sought to draw you away from the Lord your God, who brought you out of the land of Egypt, out of the house of slavery." - Deuteronomy 13:6-10