I have long enjoyed my copy of a book called The Portable Curmudgeon and use its 'modern' definition in my Blog overview.  The book was compiled by a fellow by the name of Jon Winokur and is published by the New American Library.  Following are some curmudgeonly comments that struck me over the past few days:

On Politics and Politicians:

"Anybody that wants the presidency so much that he'll spend two years organizing and campaigning for it is not to be trusted with the office."     David Broder

"A politician is a person with whose politics you do not agree; if you agree with him he is a statesman."      David Lloyd George

"I once said cynically of a politician, 'He'll double- cross that bridge when he comes to it'."  Oscar Levant

"Being in politics is like being a football coach; you have to be smart enough to understand the game, and dumb enough to think it's important."     Eugene McCarthy

"All politics are based on the indifference of the majority."     James Reston

"Nothing is so admirable in politics as a short memory."    John Kenneth Galbraith

"You can fool too many of the people too much of the time."     James Thurber

"When I was a boy I was told that anybody could become President; I'm beginning to believe it."  Clarence Darrow

~~~~~~~~~~

My family reads quite a bit of fiction and really appreciates the Germantown Library and the folks who provide the service we receive.

One of the things I find I occasionally need is the name of additional authors since I tend to read a whole lot faster than my favorite authors can write.

You may have already found this if you, too, consume books like we do, but here is a great website that provides you with the names of authors most similar to the one you key in for the search.  The closer the name is to the name you've entered (that hovers in the middle of the screen), the more similarities you find in the works of each.

Here is that magic link!

Nicole Sell...

What a miracle this 16 year old's recovery from a gunshot wound to the head is to behold.  It is nothing short of an act of God that she continues to live with us in this place.

I hope the sheriff's department will be relentless in its efforts to locate the person or persons responsible for this near-tragedy.  Someone knows something, as is almost always the case.  That someone needs to step forward and enable the authorities to close the file on this case.

Kenneth Rogers...

The new superintendent of Germantown Schools will take his new position on July 1st.  Now the superintendent of the Eleva-Strum Schools, he'll be moving to our community soon.  Welcome Mr. Superintendent.

I hope you will be able to work closely with the elected school board members while you breathe new ideas and approaches into our district.

Allan Kehl...

Another politician gets caught with his hand out, and has entered guilty pleas to federal charges that he took $15,000 from Dennis Troha of Kenosha.  Worse yet is the fact that Kehl is the former Kenosha County Sheriff.  He maintains, of course, that this money didn't influence his thoughts about the gaming casino Troha was trying to get established.  Sure Allan, we believe you...sure we do.

Newsweek...

We can all relax now that Newsweek has declared the debate on global warming to be over.  Here I was thinking that an honest, earnest debate had yet to begin on the subject, but I must've been wrong.

Certainly this liberal bastion of a magazine couldn't have misinterpreted all the evidence.  Oh, that's right...we really don't have any hard evidence yet do we?

Charles Krauthammer has a great column in the Journal Sentinel this morning if you're interested.

It is expected that Corsair Capital, a New York based private equity group will sign a deal with National City today that will affect Germantown.  You've guessed by now, if you're a regular reader, that the effect is to keep our newest bank name, National City Bank, in Germantown, at least for the foreseeable future.  Corsair and some other individual investors will put around $6 billion into National City at a share price of some $5.00.

We earlier traced the evolution from St. Francis Bank to Mid America Bank to National City Bank in the first Blog that discussed the plight of National City.  It's shares closed at $8.33 on Friday and that marked a 52 week decline in value of 78%.

So, it appears that my friendly, efficient bankers in Germantown will continue to be there when I need them.  I'm happy for them and for me and the rest of their customers.  Changing banks is a nuisance.  If there are direct deposits, those must be changed.  If there are automatic withdrawls, those must be changed.  New checks and bank cards must be obtained, and decisions as to which of the numerous accounts offered is the right account need to be made.  If Internet banking is involved, there is another level of change, and if telephone banking is involved, yet another level.

We sometimes are oblivious to the things that happen on Wall Street and the world but many of those distant happenings directly involve us in one or another ways.  This whole subject has been one that most of us has not followed...and yet it has an impact on our nice little village.  Our economy has truly become a global economy whether for the better or not.  IBM sold its laptop computer business to a company in China.  The Jaguar and Range Rover nameplates are now owned by a company in India.  GM is building a new engine plant in Brazil.  Medical x-rays are read off shore.  When the Far East markets hiccup, Wall Street flinches.  The demand for gasoline and diesel fuel in India and China have thrown our prices into a seemingly unending upward spiral.

Perhaps more important, these changes have occurred in a relatively short span of time..in decades rather than centuries.

Seemingly everytime we pick up a newspaper or periodical we see that health care costs have risen again.  The only real question anymore is 'How Much?'.  Of course, if we still have health insurance, the premium rates continue to go up and up.  What in the world can we do about this?  Would statewide mandatory insurance coverage do the trick?  Can we somehow legislate lower insurance premiums?  Are the drug companies really the culprits?  Maybe we simply need to move to Canada or Europe.

Recent studies show that our national health care spending increased in 2006 by 6.7% to $2.1 trillion.  That means that one out of every six dollars spent in our national economy goes for health care.  The 'good news' in this staggering number is that this is actually slower growth than we saw for 2005.  Apparently we're going in the right direction, even if too slowly.

Another amazing fact, to me at least, is the amount of 'out-of-pocket' spending each of us averages after insurance premiums, etc.  In 2006, we spent, on average, 12% out-of-pocket for our health care expenses.  Know what we spent out-of-pocket in 1960?  We spent 47% out-of-pocket for health care expenses. 

That means that we are shielded to a much greater degree today from our real health care costs than we were in 1960.  Our out-of-pocket costs have decreased steadily since 1960.  We are often at the point today where we think of the cost of health care as being the $10 or $20 co-pay we have to come up with when we go to see the doctor.  Or, the $20 or $30 dollars we have to cough up for medicines.  Those amounts are very small percentages of the total costs.

Why is this important?  It is important because we need to think about what we're spending if we're ever going to be able to bring this cost spiral under control.  If we come to understand that the real cost of the doctor visit is in the range of $125 to $150 or more, we can begin to understand that maybe we shouldn't be running to the doctor everytime we have a runny nose or a cough.

Another very interesting fact is this:  more than 50% of all health care claims costs in America today are to cover lifestyle-related illnesses.  Those are the things that you and I can control to one degree or another.  But, we can't control them if we don't know about it or if we choose not to do anything about it.  What are 'lifestyle' issues?  Smoking, alcohol use, obesity and simply laying around doing no exercise.

Does this apply to us?  Here are the most current facts:  One in every four Americans eat fast food every day!  Six of ten Americans do not exercise or seldom exercise!  Two of every three Americans are classified as either overweight or obese!

This is the real source of our health care cost crisis.  We have met the enemy and it is us!

No mandatory state programs, or profit controls on drug companies or anything else is going to solve this problem.  The simple truth is that this is up to us.  All the rest of these proposals are simply pablum calculated to make us feel good.

That is why this 'stuff' is flowing from the mouths of politicans.  And it does nothing to solve the problem!

Let your politicians know that you understand this.  If they really want to help us, they'll begin an educational program using some of the 'smoker money' to get the true message out.  And, be sure to tell them we do not want laws banning fast food or drinking or smoking.  We need to take responsibility for ourselves.  No one else can do that for us.  The marketplace will make its own corrections just as you've begun to see with the menu changes going on in the world of fast foods, for example.

Maybe if insurance companies were permitted to charge people what we deserve to be charged based on our lifestyle habits, we'd begin to see these changes occur.  If I smoke, I pay more.  If I'm overweight, I pay a surcharge.  Make me feel my wallet lightening up if I don't take personal responsibility (just don't think this is your new way to raise taxes). 

Don't just continue to blame big health, or big drugs or big insurance!  You are doing nothing but pandering when you resort to this, and we're on to you!

Junk mail is driving me nuts. How about you? Is there a real solution that we can use or are we doomed to continue to wear out our delete keys? I’ll be happy to pass along your recommendations.

Perpetual campaigning is robbing us Americans of our rightful expectations of government. This is vividly clear when we look at the federal government. It seems to be getting more rampant on the state level, as well. Every move at the national level is one of posturing, rather than governing, for the majority of our elected officials. And, too many moves on the part of our elected state representatives smack of the same.

General Petraeus, the commander of our forces in Iraq, delivers his assessment on conditions there in a week and one-half. However, both sides appear to not have the courtesy to let us decide what to think of his report. Instead, they have been positioning for weeks to tell us what he’ll say and what it’ll mean. No matter your persuasion, you can make up your own mind; I doubt that many of us need such assistance.

The Presidential candidates for both parties will likely be chosen by very early in 2008, and maybe even before the coming New Year’s Day. On the heels of the “perpetual” campaigning mentioned above, we have this rush to decision being thrust upon us by a handful of states. Would we be further ahead to have a single national primary to be followed in 120 days by the national election, as I’ve begun to hear discussed?

Governor Doyle’s hand has appeared as expected in the budget debate. Unfortunately, he is resorting to fear-mongering by citing this and that calamity about to befall all us Badgers because there is no compromise as yet, on a terrible budget I would add. According to him, our schools won’t be able to run, our state Medicaid system will fail the folks who depend upon it and the Republican’s failure to acquiesce will cause your property taxes to rise precipitously. His budget, even without the addition of Healthy Wisconsin which he does not support, has us paying 23% more than before. With Healthy Wisconsin, it only doubles! What a choice we have. The opposition must not cave in, but instead must continue to work to advance its more rational version of our next biennium.

Our Warhawks football team ran into the seventh-ranked team in the state last evening and came away with a much better understanding of its own weaknesses. Coach will build on this experience and our players will improve having gotten such a solid lesson so early.

Our new motorcycle patrol is having the desired effect. I have been amazed at how invisible that cycle and officer can be, and also marvel at my good fortune to have been at or under the speed limit each time…so far. If you’ve not given thought to the effectiveness of this unit, do so before you pay good money for a transgression.