Archive for May, 2017

USAA: “Just kidding”… u-turns back to Fox.

May 31, 2017

Here’s the letter they sent to veterans who threatened to move their insurance business.

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For those who were busy celebrating Memorial Day, here’s the story in a nutshell:

  • Fox ran a story about a DNC staffer who was victim of an unsolved murder … alleging that he (not the Russians) leaked the DNC memos to WikiLeaks
  • Media Matters – a very leftist news tracking service – called for a boycott of FoxNews (for trying to derail the Trump-Russia narrative) … especially the Sean Hannity Show.
  • Several advertisers joined together in the boycott, including Ring.com (home security), Casper.com (matresses) … and USAA (insurance for military families)
  • Many USAA customers – who like Fox’s pro-military opining –complained that USAA’s action was strictly political.
  • USAA said that its policy is not to advertise on opinion shows – but it was proven that they advertise extensively on MSNBC
  • USAA announced that it was pulling ads from MSNBC (to prove that its actions weren’t political
  • Media Matters and other left-leaning groups started to whine
  • So, USAA closed the circle by announcing that it will advertise on both Fox and MSNBC “until it concludes a review of its advertising policies”

Here’s a HomaFiles exclusive: the letter that USAA sent to its veteran-customers who threatened a retaliatory boycott on USAA…

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On this Memorial Day …

May 29, 2017

 Remember all who gave their lives on our behalf
   … and thank those who are serving us now. 

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USAA sends active military and veterans an insulting Memorial Day card.

May 27, 2017

A couple of friends – veterans all – alerted me that USAA – the insurance company that caters to military veterans and their families has announced – on the run-up to <e,orial Day — that it’s joining with progressives and pulling ads from some Fox News programs.

Sure enough.

According to the Washington Post:

Financial services firm USAA is adding itself to the list of companies that have pulled advertising from Fox News Channel shows.

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According to USAA, its actions are completely unrelated to the progressives’ Fox boycott:

“Our policy is to run ads on news programs. There was an error which led to our ads running during opinion-based programs, and as soon as that was discovered, the error was corrected.”

Unfortunately (for USAA), there’s a major flaw in their storyline…

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Will Comey ask Mueller for immunity?

May 26, 2017

May not be as wild as it sounds.

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Let’s connect some dots today …

Couple of weeks ago, there was aleak that Comey had a file memo documenting that Trump had privately told him (Comey) that he (Trump) hoped that he (Comey) could make the Flynn investigation go away quickly.

Left-leaning media started screaming “obstruction” … and right-leaning news outlets countered by looping later sworn testimony by Comey that his investigation had not been subjected to any obstruction. Period.

A Congressional oversight committee invited Comey to testify – to clear up the apparent contradiction … Comey agreed.

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Then, Comey postponed (cancelled?) his  Congressional committee appearance. source

Instead, he met with Rep. Chaffetz who has said that if more information were made public, then folks would cut Comey more slack on his handling of the Clinton email fiasco.

Hmmm.

And, it was reported that — before any Congressional appearances – Comey wanted to meet with Special Investigative Counselor Robert Mueller. source

Double hmmm.

What’s that all about?

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Mastering math … or anything else.

May 25, 2017

Some insights on the science & practice of learning.

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Interesting article buried in the weekend edition of the WSJ: “How a Polymath Mastered Math—and So Can You”

The subject polymath (a person of wide-ranging knowledge or learning) is Prof. Barbara Oakley.

To make her long story short, she was a self-proclaimed horrible math student in high school, dove back into math in her mid-20s, and is now an engineering professor..

“Her progression from desultory student to respected scholar led her to a sideline in the study of learning itself.”

She is the author of ‘A Mind for Numbers: How to Excel at Math and Science (Even if You Flunked Algebra)’ and ‘Mindshift: Break Through Obstacles to Learning and Discover Your Hidden Potential’.

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Here are a few snippets from the article …

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Salute: High praise for garbagemen … really!

May 24, 2017

Remember when Nancy Pelosi was lauding how ObamaCare was “liberating millions of Americans from the burden of working at jobs they don’t like.”

Simple thesis: just hang on the couch and let taxpayers foot the bill for your food, phone and, now, health insurance.

Why work?

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The issue is front & center again.

According to the Washington Post:

“Making (able-bodied) low-income Americans work to qualify for so-called welfare programs is a key theme of the Trump budget proposal … imposing more stringent work requirements — similar to those in effect in Maine and other states.”

Of course, WaPo thinks that’s a bad thing.

Evidence: a couple of heart-wrenching anecdotes of genuinely destitute folks who the Post asserts (wrongly) would be thrown out in the cold.

Memo to WaPo: The plural of “anecdotes” in not “data”.

Right when I  was about to get terminally discouraged (again), I headed out to run some errands.

On the road, my faith in the American spirit was refreshed.

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America’s political polarization in 3 charts …

May 23, 2017

Interesting analysis from NBC’s Chuck Todd.

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It’s no secret that American politics has become increasingly – and maybe, irreversibly – polarized.

As Meet the Press host Chuck Todd puts it:

Polarization is no longer just polluting the system — it’s paralyzing it.

The deepening divide between the right and the left has largely hollowed out the center of American politics.

Gone are the politicians who once occupied the large “middle” and the voters who once gravitated to them.

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The Pew Research Center has tracked party identity and ideology for decades.

One way they do it is by scoring the Republicans and Democrats on a 10-item scale of political values.

Here’s where we stand today:

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What the chart means …

Democrats cluster to the left, Republicans cluster to the right.

There is less than 10% in each party leaning ideologically to the left (or right) of the other party’s median.

That’s where we are today.

How did we get here?

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Will President Trump get a Nobel Peace Prize?

May 22, 2017

That’s the thought that was running through my mind.

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It must have been an unbearable weekend for Trump-haters.

He got an enthusiastic, lavish red carpet welcome in Saudi Arabia.

He wasn’t boorish, crude, moronic, Islamophobic … or worse.

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He delivered a powerful speech to the leaders of 50 Muslim countries emphasizing:

  • There’s a fundamental difference between good and evil
  • Terrorists are evil and need to be eradicated from the earth.
  • Iran represents ground zero in the fight against terrorism.
  • Muslim-majority nations need to step-up and lead the fight.
  • America will help and will be dependable, because it’s in our self-interest.

Then, he participated in the ceremonial opening of a center intended to monitor and counter-act extremist ideologies.

Seriously, how can anybody think that those are bad ideas?

So, back to the opening question: will Trump get a Nobel Peace Prize … just like Obama did 8 years ago?

Obviously, he’s got a few things working against him….

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In praise of math, logic, and Latin … say, what?

May 19, 2017

Classical educators argued that these disciplines are the building blocks of reasoning, problem-solving and critical thinking.

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The courses that I teach contain a heavy dose of problem-solving skills.

Early on, I assert my belief that that problem-solving skills can be taught – and, more importantly, learned – and set about to prove the point.

 

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I’ve been doing some summer reading on the topic of reasoning & problem-solving and learned:

“For twenty-six hundred years many philosophers and educators have been confident that reasoning could be taught.”

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Are Comey’s memos stored in Pandora’s box?

May 18, 2017

The ‘Resistance’ has gotten what it wanted … and may rue the day.

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Let’s keep this simple.

1) Democrats have been hollering for a special prosecutor, and

2) Comey reportedly wrote a memo-for-the-file – a practice that he’s known to have always done routinely – that says Trump hoped the Flynn investigation would go away … obstruction of justice? smoking gun?

3)  So, Robert Mueller got appointed Special Counsel to the FBI:

Mueller is authorized to investigate “any links and/or coordination between the Russian government and individuals associated with the campaign of President Donald Trump,”  as well as “other matters that may arise directly from the investigation”.

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OK, so Comey routinely wrote contemporaneous file memos documenting his interactions with his superiors … not just Trump … prior Presidents and DOJ bosses as well.

By definition, those memos are government property since they were created in direct connection to his job.

Mueller -– who has bi-partisan support as the last honest man – is authorized to pursue “other matters”.

Here’s where the Dems may be sorry that they got what they wished for …

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I do my best thinking when I sleep … another scientific rationale.

May 17, 2017

 By default, your brain “defragments” when you sleep.

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In a prior post, we reported some scientific evidence that most people really do think when they sleep.

For details, see: I do my best thinking when I’m sleeping … say, what?

Let’s take the science a step further…

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First, an analogy…

Have you ever defragmented your computer’s hard drive?

Just in case your answer is “no” – or, you’ve never heard of defragmentation – here’s a short course:

When you save a file on your computer (think: Word, Powerpoint, Excel), the file isn’t stored in one piece.

Rather, it’s automatically broken into smaller pieces … and each piece is stashed in the first place that the computer finds an open space on the hard drive.

Since the file is stored in scattered pieces, the computer has to reassemble it when you subsequently re-open the file.

That takes time … and slows the process.

There’s a process called “defragmentation” that sorts through a computer’s hard drive, eliminates “dead links” and reassembles “live” files into contiguous pieces … making the save & open processes more efficient.

Well, it turns out that your brain comes with a process analogous to defragmentation … it’s called “synaptic pruning” … and it happens automatically when you sleep.

Here’s how it works …

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Happy? Sad? Excited? … Facebook can tell.

May 16, 2017

And, has been caught doing just that.

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It always amazes me what people post on Facebook. Their daily activities, their deepest emotions – you name it.

By now, every Facebook user should know that FB sifts through their content – posts, pictures, links, emojis – to determine, for example, what topics are hot; what people are doing; which brands people are buying, recommending, trashing or considering; whether users are feeling happy, sad, scared, excited.

The latter is called “sentiment analysis” using computer algorithms to take users’ “emotional pulse”.

Of course, FB promises that they’ll protect users’ privacy and would never even consider divulging that information to outsiders, say, advertisers or political campaigns.

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Bad news for believers: FB was caught “sharing” sentiment analysis data.

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According to USA Today

Documents leaked to a newspaper, The Australian, indicate that Facebook executives prepared a report for one of the country’s top banks.

The report described how Facebook gleans psychological insights into the mood shifts of millions of young people in Australia and New Zealand by monitoring their status updates and photos.

The 23-page report showed Facebook’s ability to detect when users as young as 14 are feeling emotions such as defeat, stress, anxiety or being overwhelmed … and. other information on young people’s emotional well-being such as when they exhibit “nervous-excitement” are “conquering fears“.

FB claimed that it can track how emotions fluctuate during the week.

Anticipatory emotions are more likely to be expressed early in the week.

Reflective emotions increase on the weekend.

Monday-Thursday is about building confidence.

The weekend is for broadcasting achievements.

At a relatively benign level, advertisers can use that information to target ads to certain age groups … and they can time them to run on a certain day.

That’s apparently what FB got caught doing – revealing anonymous and aggregated data – to a potential advertising client.

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Let’s go a step further…

According to the article: “Facebook has also come under heavy scrutiny in the past for secretly conducting research that manipulated the emotions of users by altering what they see in their News Feed without their consent.”

So, it doesn’t take much creativity to imagine the collection and dissemination of individuals’ sentiment data that could be used to target advertising to specific individuals at specific times – say, when they’re feeling down and are vulnerable to buying certain products geared to giving them a pick-me-up, say, some new clothes, a fancy car or miracle drug.

Pretty unnerving, right?

Of course, FB assures users that it would never consider divulging that sort of data.

Yeah, right.

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Connecting dots

In a prior post, we reported on a study that concluded time on Facebook can be hazardous to your mental health.

For details see Studies: More time on Facebook … and it’s not good for you.

So, being on Facebook can make you emotionally vulnerable.

Facebook can determine when you’re vulnerable.

Facebook can sell that info to advertisers.

But, FB assures us that it won’t sell that data.

Whew … that’s a relief.

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Follow on Twitter @KenHoma            >> Latest Posts

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Here’s my nomination for FBI Director…

May 15, 2017

Pundits have been throwing around names of possible Comey replacements.

For example, the NY Times list includes:

Andrew G. McCabe, the acting director of the F.B.I.;

Senator John Cornyn, Republican of Texas;

Judge Michael J. Garcia of the New York State Court of Appeals and the former United States attorney for the Southern District of New York;

Alice Fisher, a former top Justice Department official who would be the first woman to run the agency.

Mike Rogers,  the former chairman of the powerful House Intelligence Committee, who represented Michigan and once served as an agent in the bureau.

One person strikes me as a perfect choice … but I haven’t heard his name mentioned.

Here are his qualifications:

  • Considered by all to be squeaky clean
  • Holds a JD from Harvard (Obama’s alma mater).
  • Has a track record turning around big organizations
  • Was an outspoken Trump critic during the campaign
  • ID’ed the Russian threat before it became fashionable

So, who’s my pick?

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NBC: Majority think Comey shouldn’t have been fired.

May 12, 2017

But, the numbers are, shall we say, curious at best.

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NBC has been trumpeting results of a Survey Monkey poll that it conducted in association with Survey Monkey:

“A majority of Americans — 54 percent — think that President Donald Trump’s abrupt dismissal of FBI Director James Comey was not appropriate”.

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Color me skeptical on this one.

Here’s why …

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NYT: “Acting F.B.I. director McCabe contradicts White House”

May 12, 2017

P.S. He also contradicted Comey, the Democrat’s main talking point and, oh yeah, himself.

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Yesterday, Acting FBI Director Andrew McCabe testified before a Senate oversight committee.

McCabe was Comey’s second-in-command … previously best known for having a wife who ran for office in Virginia with mucho financial backing from the Democratic party and Gov. Terry McAuliffe – a longstanding Clintonista.

The connection raised obvious questions about conflict of interests during the Clinton email investigation.

Point: he’s certainly not a shill for the GOP.

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The mainstream media, led by the NY Times, took to headlining that:

Mr. McCabe rejected the White House’s assertion that Mr. Comey had lost the backing of rank-and-file F.B.I. agents.

“Director Comey enjoyed broad support within the F.B.I. and still does to this day.”

Hmmm.

Let’s dig a little deeper …

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Why did Comey choke on the biggest decision of his career?

May 11, 2017

Given Comey’s firing and the to-be-expected blow back, let’s flashback to our analysis last July — the day after he gave Hillary her stay-out-of-jail free card.

Saw this one coming …

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Image from The Drudge Report

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A weird turn of events put Comey under a particularly bright spotlight.

Before the events of the past week, the way I expected things to work out:

  1. Comey reads the 1st 14 minutes of his his speech laying out the body of evidence, concluding with a recommendation to indict.
  2. AG Lynch immediately puts the kabosh on the recommendation, refusing to indict.
  3. Or, AG Lynch green lights an indictment and President Obama quickly steps in to pardon Hillary “for the good of the country”.
  4. Hillary continues her campaign to become the first woman president.

Comey would have drawn the correct legal opinion based on the evidence, but the course of history wouldn’t have changed.

But, things didn’t work out that way, and Comey found himself in a much brighter spotlight … and, when the story ends, it won’t be pretty for Comey

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More reasons to be wary of restaurants’ table top touchscreens…

May 10, 2017

Olive Garden’s unauthorized “table game fee” opened a can of worms.

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In yesterday’s post, I whined about Olive Garden’s “profit scheme”: tacking an unauthorized “table game fee” to my bill .

For the gory details and the sleazy marketing “principles” underlying the practice, see Gotcha: Why I won’t go back to Olive Garden …

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When I googled “Ziosk” – what Olive Garden calls its devices – I was served links like Restaurant guests sour on Ziosk’s “touch it and you’re charged”  and Olive Garden servers are getting shorted on tips   … they exposed the  dirty underbelly of table top touchscreens.

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Gotcha: Why I won’t go back to Olive Garden …

May 9, 2017

For a measly 2 bucks, they lost me as a customer.

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In class, we cover Customer Lifetime Value – the math that captures a basic truth: businesses are better off getting repeat business from loyal customers than by gouging them on a single transaction.

Apparently, Olive Garden – which used to be one of my favorite chain restaurants — missed that class.

Yep, for a measly 2 bucks ($1.99 to be precise) they lost me as a customer.

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Here’s what soured our “relationship” ….

 

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Trumpspeak: It’s all about the way he talks …

May 8, 2017

Some folks can stand to listen to the President talk … and some find it refreshing.

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Great piece in the Washington Post by Barton Swaim author of “The Speechwriter: A Brief Education in Politics.”

His basic conclusion: “The most distinctive thing about Trump … is the structure of his language.”

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Swain says that Trump — nnlike most politicians –doesn’t speak in political rhetoric; he speaks in punchlines – short jabs, not convoluted passages. He lays it out there and let’s you buy in or opt out.

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Digital amnesia: Is Google dulling your memory?

May 5, 2017

First, some background …

The tests I give my students always include some questions that can reasonably be tagged “memorization”.

Some students are repulsed by them them and shout the cultural refrain: “Don’t memorize anything that you can look up.”

The apparent thinking: You’ve only got a limited amount of space in your brain, so don’t clog it with an overload of information … only store the stuff you can’t look-up.

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What’s wrong with that argument?

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I do my best thinking when I’m sleeping … say, what?

May 4, 2017

Discussing creativity in class, I casually mentioned that I seem to do my best thinking when I’m asleep.

Specifically, I reported that I like to get to work as soon as I jump out of bed (literally) … and that I often find myself doing a brain dump of thoughts that weren’t top of mind before I’d gone nite-nite.

The revelation initially got some chuckles … then some folks started nodding and chiming in with “me, too” variants on the story.

Of course, some remained unconvinced.

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For the skeptics, here some science …

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Pareto is alive and well … and haunting the U.S. healthcare system.

May 3, 2017

Here are some numbers that put healthcare spending in perspective …

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According to a National Health Care Management Association analysis of healthcare spending:

  • The top 1 percent of the population is responsible for 20.2 percent of spending.
  • The top 5 percent of the population accounts for almost half (47.5 percent) of all health care spending.
  • ABout 60% of the top 5 percent (and top 1 percent) are 55 and older; about 40% are 65 and over
  • The top 10 percent of the population accounts for 63.6 percent of all spending.
  • 15.6 percent of the civilian, non-institutionalized population account for no health care spending at all.
  • The half of the population with the lowest spending accounted for only 3.1 percent of all expenditures.

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Studies: More time on Facebook … and it’s not good for you.

May 2, 2017

“Negatively associated with overall well-being … particularly mental health”.

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Let’s connect a couple of recently reported studies …

First, the BLS periodically reports how Americans spend their leisure time.

According to the NYT, channeling the most recent BLS report:

The average time that users spend on Facebook is nearing an hour.

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Putting that hour of Facebook in perspective:

That’s more than any other leisure activity surveyed … with the exception of watching television programs and movies (an average per day of 2.8 hours).

It’s more time than people spend reading (19 minutes); participating in sports or exercise (17 minutes); or social events (four minutes).

It’s almost as much time as people spend eating and drinking (1.07 hours). NYT

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And, a recent study published by the Harvard Business Review indicates that all that Facebook time is unhealthy.

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Did ObamaCare exacerbate a shortage of doctors?

May 1, 2017

Answer: Of course it did … it’s simple arithmetic.

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In yesterday’s post, I concluded that ObamaCare increased the demand for healthcare by providing health insurance to 20 million previously uninsured Americans … but that ObamaCare didn’t increased the aggregate amount of healthcare that Americans are getting.

Since the supply of healthcare is constrained by too few doctors, the amount of healthcare is just being redistributed

It’s a zero sum game …  previously uninsured people are getting more healthcare … previously insured people are getting less healthcare … and total healthcare delivered is staying about the same.

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I got a few questions about the incremental doctor shortage created by ObamaCare, so I pulled together a quick & dirty  estimate.

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