Tag Archive: DMV


“I’ve actually never met anybody who likes their health insurance company.” — Senator Elizabeth Warren (D-Massachusetts)
“And while Bernie (Sanders) wrote the bill, I read the bill. And on page eight — on page eight of the bill, it says that we will no longer have private insurance as we know it. And that means that 149 million Americans will no longer be able to have their current insurance.” — Senator Amy Klobuchar (D-Minnesota)

If your author didn’t have bad luck 15 years ago, he wouldn’t have any luck at all.

In chronological order: there was the diagnosis of prostate cancer in 2004, my first wife died of stomach cancer nine months later, and to top it off … the brutal arrival of incurable (but today manageable) Valley Fever (e.g., fungus) came in 2006.

Fortunately, Almost DailyBrett was always covered by some flavor of Blue Cross … and that is true today.

At the expense of shedding any semblance of modesty your author earned his health insurance, waking before dawn for mind-numbing commutes and waiting hours for evening flights and confronting countless challenges in between.

The rapid fire series of bad medical luck with a new installment every year, each diagnosis had the potential to devastate your author financially … and yet there was thankfully health insurance, private-sector health insurance.

Any public discussion about eliminating my hard-earned Regence Blue Cross, particularly in the onset of my retirement years, is an absolute non-starter for yours truly. Your author will categorically state that he will not entertain even for a nanosecond, voting for any candidate who advocates taking away my Blue Cross.

Aren’t Democrats labeled by detractors as the “give-away” party, never as the “take-away” party?

Aren’t Democrats the “pro-choice” party, rather than the “no-choice” party?

Sorry Bernie and Elizabeth, Almost DailyBrett is one of the estimated 150-to-180 million Americans who would lose his or her private insurance with the onset of the “Medicare For All” elimination of private insurance scheme.

Think of it in terms of Monte Hall’s Let’s Make A Deal: On one stage is tried-and-true Blue Cross health insurance — the one that has served your author and his family since the 1980s — and on the other stage is … the door. What’s behind this scary door?

What we know for sure is that Blue Cross Blue Shield will be out of business. Private insurance will be nationalized. There will be zero “public option.” There will be only one option, the government, the same government that provides us with DMV, the US Postal Service (USPS) and Amtrak.

Sorry, you author does not want federally mandated Amtrak train wreck health care.

Insurance: A Necessary Evil

Even though insurance by its very nature is a negative product (you pay for it, but you really don’t want to use it), Almost DailyBrett actually likes his private sector insurance company, and wants to keep it. Sorry Elizabeth, this author does not concur with your sweeping ex cathedra pronouncement.

Bernie loves to point out that drug and insurance companies generated a cumulative evil profit of $100 billion (e.g., denominator). Question: What is the numerator? How many companies are we talking about?

Keep in mind that each of these publicly traded health companies has a federally mandated fiduciary responsibility to drive the top, and yes … bottom lines. Are we including bio-tech companies, researching cures for cancer, heart disease and other ailments? Are all of these companies actually making money?

The $100 billion number sounds just a little too perfect … to be real.

Bernie and Elizabeth want to give everyone federal health insurance, and only federal health insurance. No issue divides the Democratic Party more than the question of taking away private health insurance from the one-half of the nation, the 150 million-plus who earned and rely upon their private health insurance.

Ladies and gentlemen, we now have a new “Third Rail of Politics,” and Bernie and Elizabeth are shocking the nation with their draconian plan.

https://www.washingtonpost.com/politics/2019/09/13/transcript-third-democratic-debate/

https://almostdailybrett.wordpress.com/2011/10/25/prostate-cancer-a-piece-of-cake-compared-to-valley-fever/

 

As we prepare our collective bowels for the uproar of the coming arrival of the serious — not silly — presidential election season, we need contemplate the Golden Rules of Politics.

These rules are proven. They are time-tested. They do not change. They are inviolate.

Without further adieu, here are Almost DailyBrett’s listed in alphabetical order pathways to the Promised Land whether it be a statehouse, halls of Congress or even 1600 Pennsylvania Avenue:

Good Government Is Good Politics

“Govern wisely and as little as possible.” — Republic of Texas President Sam Houston

“Hold me accountable for the debacle. I’m responsible.” — Kathleen Sebelius, Obama’s Secretary of Health and Human Services

“I’m going to try and download every movie ever made, and you’re going to try to sign up for Obamacare (Sebelius), and we’ll see which happens first” — Comedian Jon Stewart

Almost DailyBrett fondly remember’s Monte Hall’s “Let’s Make A Deal” game show. There was the stage with a VW bug, and there was the … “Door.”

For 180 million Americans, their private health insurance plans are on the stage. Bernie Sanders, Elizabeth Warren and Kamala Harris are offering America the door with the “promise” of single-payer government health insurance, and the elimination of all private-sector offerings.

Be afraid, be very afraid.

Remember the online Obamacare rollout “debacle?” The website calculator didn’t work, let alone the system repeatedly crashed.

Do we want to deliver DMV-style health care for 329 million Americans, managed by Larry, Moe and Curly?

Good Government is indeed, good politics. Taking away private insurance is not good politics.

“It’s Not (Always) What You Say, But How You Say It”

Remember what mumsy told you?

She said that it was not what you say, but how you say it. She could detect in mere nanoseconds a sassy unmeaning, “thank you.”

Are you pleasant and reassuring? Or are you shrill, strident, angry and out of control?

Does it make sense for Democratic contenders for the White House to be angrily attacking the last Democratic president Barack Obama, who enjoys a 95 percent approval rating with … Democrats?

Didn’t Obama terminate Osama bin Laden, appoint Janet Yellen as the head of the Federal Reserve, see the NYSE and NASDAQ double in market value in his eight years, and deport more than 2.5 million? Why are fellow Democrats carping in the most unpleasant ways possible?

Is it simply because they don’t want front-runner former Vice President Joe Biden to justifiably play the Obama card?

Run As If You Are Running Behind

Whether or not you are holding a commanding lead and your media allies have your back or not, Yogi was right: “It ain’t over until it’s over.” 

Hillary was on auto-pilot heading for her media elite preordained 2016 victory, and then her campaign crashed and burned on election night.

The top two George Deukmejian Laws of Politics both are directly related to each other.

Even when he was cruising to victory in 1986 or overcoming a 22 point deficit with three weeks to go to win the closest-ever California gubernatorial election in 1982, the Duke assumed the underdog role.

He ran effective campaigns, (e.g., distributing 2 million absentee ballots to high-propensity voters) keeping his opponent in his sights or constantly looking over his shoulder.

The point is to sprint through the tape and leave absolutely no fuel in the gas tank. Don’t mind the metaphors.

Take Nothing For Granted

Every electoral vote counts.

Remember President Thomas Dewey? Hillary was literally building her administration, and measuring the drapes in the Oval Office.

And then … and then … and then.

She didn’t visit “Blue Wall” state, Wisconsin, during the general election campaign against Donald Trump. She canceled a joint appearance with President Obama in Green Bay. Big, big mistake.

Wisconsin turned red; the blue wall was broken. Michigan and Pennsylvania also flipped into the red column.

Game, set and match.

The Golden Rules of Politics live on. They must be respected. They are eternal.

https://abcnews.go.com/Politics/obamas-deportation-policy-numbers/story?id=41715661

https://almostdailybrett.wordpress.com/2018/07/29/the-bradley-effect-blindside/

Healthcare.gov Hurt Obamacare More Than Liberals Are Willing to Admit

Oregon has long been a taxing problem for California.

Motoring south along Oregon 101 last March, your author noted the strategically located presence of “Stateline Cannabis” about 100 yards north of the California line … and 0.40 mile away the Golden State’s Smith River Agricultural Inspection Station.

Driving my Mazda Miata little green chariot with its Oregon “Pacific Wonderland” plates, your clean-cut Almost DailyBrett author and his wonderful spouse, Jeanne, were simply waved through the inspection station.

Had to think: ‘What’s the point of the California Department of Food and Agriculture’s (CDFA) Smith River Agricultural Inspection Station, if they just send you on your merry way?’

The short answer is California is trying to protect its largest industry – agriculture — from dangerous pests. The question that immediately came to mind: What about Stateline Cannabis’ agricultural products?

Statewide Cannabis describes its business as a homeopathic pharmacy. Does the State of California agree?

Why should the Golden State care?

Oregon has zero sales tax.

In contrast, California has sales taxes up the wazoo, including an incomprehensible 10.5 percent in Los Angeles County.

Immediately germane to the Oregon 101 border region, California’s Del Norte County collects sales taxes of 7.5 percent and Humboldt County, 8.75 percent.

Oregon does charge a 17 percent tax on cannabis sales, including marijuana sold at Statewide Cannabis.

California in turn assesses the statewide sales tax, plus a given county’s portion of the sales tax, a 15 percent excise tax and a cannabis business tax. A $100 retail pot price results in a $124.20 total sales price.

Any which way you assess the question, cannabis is cheaper in Oregon than California.

More to the point, the export of cannabis from Oregon across state lines ist verboten, regardless of the fact that Mary Jane is also legal in Washington to the north and California to the south.

What if the Almost DailyBrett author was sporting a ratty beard and was driving a wreck on wheels with California plates … would he and his wonderful spouse, Jeanne, be merely waved through the Smith River Agricultural Inspection Station?

Don’t think so.

California Sales Tax + Interest for An Oregon Subaru?

Back in the 20th Century, your author purchased a new $16,000 Subaru Legacy as a lawful resident of Portland, Oregon. There were zero sales taxes charged or paid.

As Martha (Stewart) would say: “That’s a good thing.”

Two years later with a move to the Bay Area, there was the necessary evil in the form of an agonizing, mind-numbing and desultory visit to California DMV to register the Subaru and secure its plates and tags.

Houston we have a problem.

The State of California under the aegis of former Governor Pete Wilson’s Department of Motor Vehicles would not register Almost DailyBrett’s Subaru Legacy even though the car was bought legally two years prior in Portland, Oregon with no-sales-tax.

No amount of honey or vinegar was going to change a bureaucrat’s mind that day. It was pound sand all the way.

Pleasanton DMV flat-out refused to register the Subaru and provide the necessary plates and tags unless and until the applicable Alameda County sales tax was paid (presently 9.75 percent) applicable at the time of the sale (forget about depreciation) plus two years of compounding interest.

Your frosted author wrote a four-figure check on the spot in order to register the car. As the say in Avenue Q, it sucks to be me.

You can only imagine the surprise two years later when an unexpected envelope from California DMV arrived in your author’s mail box. California lost a lawsuit and was required to pay back the two years of improperly assessed sales tax, plus interest.

Thank you, Howard Jarvis Tax Association.

The Dynamic Effect of Tax Increases

“The art of taxation consists in so plucking the goose as to procure the largest quantity of feathers with the least possible amount of hissing.” – France Minister of Finance Jean-Baptiste Colbert

“Tax the rich. Tax the rich. Tax the rich. We did. Now, God forbid, the rich leave.” — New York Governor Andrew Cuomo

Almost DailyBrett is not making any aspirations against the folks at Stateline Cannabis, who are making a living selling a once-taboo product.

The inevitable issue is that many Californians will one way or another react and respond to ever-increasing taxes – call it the dynamic effect.

If a short drive over the California-Oregon border will result in paying less … plenty less … for homeopathic pharmaceutical products, don’t you suppose more than a few folks will be naughty rather than nice?

Something tells Almost DailyBrett the Smith River Agricultural Inspection Station is looking for more than hitch-hiking insects.

https://www.statesmanjournal.com/story/news/2018/12/31/oregon-pot-marijuana-exporting-weed-out-state/2415786002/

https://www.wweek.com/news/2018/04/18/oregon-grew-more-cannabis-than-customers-can-smoke-now-shops-and-farmers-are-left-with-mountains-of-unwanted-bud/

https://www.currypilot.com/csp/mediapool/sites/CurryPilot/News/story.csp?cid=4264302&sid=919&fid=151

https://www.salestaxhandbook.com/california/rates

https://www.oregon.gov/olcc/marijuana/Pages/FAQs-Taxes.aspx

https://lumatax.com/blog/california-cannabis-sales-tax-everything-you-need-to-know/

https://mjbizdaily.com/legal-hurdles-interstate-cannabis-exports-oregon/

https://almostdailybrett.wordpress.com/2018/07/23/mary-jane-supply-and-demand/

https://almostdailybrett.wordpress.com/2019/04/01/californias-rarefied-air-tax/

 

It would be hard to make this up.

Our Club Universe American tour guide to the “Evil Empire” in 1981 was named … Joseph McCarthy.

Over a round of adult beverages in the “office” (e.g., hotel bar), he assigned an unofficial tag line for the state-run Aeroflot, essentially public transportation in the sky: “The Longer the Flight, The Longer the Delay.”

If your flight was about two hours from Moscow to then-Leningrad; now-St. Petersburg, the delay was about two hours. If you were flying eight hours from Moscow to Novosibirsk…Lenin help you.

aeroflot

The in-flight cuisine was Tatiana delivering plastic cups of mineral water. That’s all, folks.

With Aeroflot at the time, you knew what to expect. Yes, there was a consistency of product.

You were back in the USSR; You don’t know how lucky you are boy…

The Soviet Union has now gone into the history books, even though Russia with all of its backwardness and sadness (even with the temporary joy of the Sochi Olympics), still exists.

What also exists are customer expectations and consistency of product. And in most cases that is a “Good Thing” as Martha would say.

Take Starbucks (NASDAQ: SBUX) for example.  The line sometimes goes back to the door. The prices are high. Knowing the author of Almost DailyBrett and $3.70 will result in a Grande mocha with no whip. And yet so many will shell out for their daily fix. The Grande mocha tastes the same in Dublin, Ireland as it does in Ellensburg, Washington.

Some may scoff at McDonald’s (NYSE: MCD), but the company has nailed fast food. You know what you are getting and there is a consistency of product. Yes, a Big Mac tastes the same in Tokyo as it does in Brussels as it does in Hood River, Oregon.

Amazon (NASDAQ: AMZN) has essentially pioneered digital retailing. The company even acquired online shoe store, Zappos, which built its reputation on under-promising and over-delivering (shoes arrive before their promised delivery date), literally providing customers with the consummate “wow” experience.

Amazon fulfillment center

Digital search-engine leader Google (NASDAQ: GOOG) has become a verb, an ultimate sign of success as in “Google this; Google that.”

For flyers of Southwest Airlines (NYSE: LUV), you know what you are getting and not getting. Plan on joking flight attendants, Boeing 737-700s that are habitually on time, peanuts and/or pretzels and a soft drink. Don’t plan on assigned seats or in-flight cuisine. There is a consistency of product, and that speaks to the company’s brand as the nation’s leading low-cost carrier. Reportedly based on percentages of applicants vs. acceptances, the percentages are more in favor of being admitted to Harvard than landing a job at Southwest.

The point is these firms have learned the lessons from failing companies (or companies that should be put out of their misery), including J.C. Penney, Braniff, and Circuit City.

What is the usual customer expectation driving into the parking lot of any state’s Department of Motor Vehicles? There are three absolutes in life: Death, Taxes and DMV.

As you emerge from the car, you can sense your pulse quickening and your blood-pressure rising. Your dog-eared copy of Leo Tolstoy’s War and Peace is ready at your side. Will Napoleon’s Grand Armee drive to Moscow and beat a snowy retreat to France before your number is called at DMV?

dmv

Everyone, staring at the linoleum floors, sitting in the plastic chairs, and waiting for the cheerless bureaucrats, has the same pained look on their collective faces. Are your papers in Ordnung? If your papers are nicht in Ordnung, you will be sentenced to the gulag…another trip to DMV.

Yes, your expectations are being fulfilled, and (alas) there is a consistency of product.

Even though DMV operates in a monopoly position, similar to nationalized industries in the former Soviet Union, would anyone in their right mind invest in this stock: (NYSE: DMV)?

Keep in mind, DMV does not have a corner on the market when it comes to a desultory customer service experience. There is always (drum roll), the United States Postal Service.

How about staking a portion of your life’s savings in (NASDAQ: USPS)?

The USPS reached an all-time peak of volume served in 2006. It has been all downhill ever since. In 2013, the USPS lost $5 billion on top-line revenue of $66 billion. Not only is the USPS underperforming vis-and-vis its private sector competition, Fed-Ex and UPS, but the digital writing is on the wall as the Internet is providing even more reasons (e.g., online bill paying) to avoid costly snail-mail.

postoffice

This reality is evidenced in those selected to provide “customer service” at USPS stores (e.g., post offices). If there is the potential of staffing four registers, the USPS will offer two joyless staffers even though the customer line is stretching out the door.

Yes, there are customers standing in long lines at many Starbucks, but they have a happy ending in the offing in the form of a latte, cappuccino or mocha. At the USPS, joy comes with reaching the front of the line, shipping your package, buying snail-mail stamps and then mercifully…leaving.

To many, the word “corporate” has become a dirty word. And you can see the roots of the negativity, multi-million executive “golden” parachutes, Bernie Madoff Ponzi schemes, Walmarts driving smaller competitors out of business etc. etc. etc.

Having acknowledged the obvious, there is a flip side to the word, “corporate.” The other side of the story revolves around great products, literally millions of jobs, and bursts of innovation. Do we think of Starbucks or the DMV (or even Amtrak) when it comes to a superb product and a super customer experience? When it comes to innovation, would we bet our future on Amazon’s ability to move products or the USPS?

Many are wary of the prospect of DMV-style “service” when it comes to services provided by government, whether it be auto registration, mail delivery or maybe even health care.

http://en.wikipedia.org/wiki/Aeroflot

http://en.wikipedia.org/wiki/United_States_Postal_Service

http://en.wikipedia.org/wiki/Zappos

http://en.wikipedia.org/wiki/Bernard_Madoff

http://en.wikipedia.org/wiki/War_and_Peace

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