Relevant and even prescient commentary on news, politics and the economy.

My Education in Going to College

As I explained in a conversation, what was done most recently by some wonderfully-over-funded people in an effort to get their children into a Tier one school certainly did not have to happen in the manner it did. They could have just approached school authorities and with a “Mellon’s” (Back to School’s – Rodney Dangerfield) audacity and offered to pay full ride and make a sizeable donation to the school. Maybe I am wrong; but, I do not know of many schools who would turn down a half a $million donation or so and a student who is willing to pay full price at the same time. Schools are short of funding. I am pretty sure this is going on today with little being said about the donations. Perhaps, others here would disagree with me?

Unfortunately, I was never so well-funded to initiate a back door funding approach such as what we are reading about today. My field of endeavor being Purchasing, Logistics, Distribution, and other similar disciplines did not command the type of salary to allow me to even hint at $hundreds of thousands or even $tens of thousands. In my field, we did not have the respect and admiration the reported actors had in their fields and accumulate such money. I was also caught in the 10 year economic cycle and one year spent time gaffing up trees and cutting them down. As Rodney would say; “Where does one go to get some respect around here?” It kept my family in one place and it paid the bills.

The Boston Globe’s Jeff Jacoby tells us what his mother said to him while a sophomore in high school; “If you want to go to college, you’d better get a scholarship.” I never had such a discussion with my parents other than my dad telling me not to do what he did. At 19 I was in the military, got out at 22, and married this pretty woman from NYC who in the beginning made more money as a Paralegal than I did with a college education. It paid the bills until such time as I caught up.

Suddenly I had responsibility for more than just myself. So I picked out a small Lasallian Catholic college, used my VA bennies and the state grant to pay for it, and finished up in three years. Never thought of Northwestern or University of Chicago as neither were in the cards and my parents would not have understood it much less pay for either. As a good Baptist I chose a Jesuit University over a Vincentian University for my Masters. Going to school at night then seemed to drag on forever. It was years later when I found out the high school and colleges I attended were pretty good schools. Each year, I donate a few hundred and get invited to various functions which I do not attend. I do not know anyone at these schools other than the Deans.

As advice to my own children, I suggested they go to where the money was. If they offered you grants and scholarships, they wanted you. If all they could conjure up was a subsidized Stafford loan at $3,000/year for a $30,000/year education, they were telling you something. Thank the school for their time and move on to the next one. In the end, it worked and we were also able to finagle a few more $thousand yearly at some pretty good small colleges for each. They do well for themselves and have paid their school loans.

As I sit here in my Levi jeans and ratty-looking Jesuit University sweat shirt writing this, I find myself agreeing with Jacoby and confirming what I already know; “No one needs to attend an elite university to get a decent education or to make a success of their lives, just as no one needs to wear a Dolce and Gabbana sweater to keep warm or drive a Ferrari Enzo to get from here to there.

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Brooklyn Heights, NY

Click on the picture to get a great, detailed view of these magnificent and architecturally significant structures. Claude Scales’s Photo of the day: there is a lot of Brooklyn Heights literary history in this photo.

The poet W.H. Auden lived in the top floor apartment of the brownstone row house at One Montague Terrace, nearest the corner of Montague Street and Montague Terrace, in the winter of 1940-41 when he wrote his “New Year Letter.” If you go to the right two doors, to 5 Montague Terrace, you find the house where Thomas Wolfe (not to be confused with the recently deceased Tom Wolfe) worked on his novel “Of Time and the River.” On the left of the photo, the building with the cylindrical tower and turreted top is where the playwright Arthur Miller and his first wife, Mary Slattery, lived during the early years of their marriage, and where he began work on his first Broadway play, “The Man Who Had All the Luck”. — in New York, New York.

Love the buildings and maybe because I worked on a few similar to them using rope or cable suspended scaffolds and ladders in downtown or near downtown Chicago. Harvard attorney Claude Scales is the photo-artist-author of this snapshot and commentary stolen from Facebook. I know him from when I would comment at Slate Magazine (along with JackD) when it was a cool place to be. Editor Moira Redmond (not to be confused with the English actress) described the Best of The Fray site, “the place I would tell the other editors to go to if you wanted to find out what Americans were actually thinking.”

Hope you enjoy . . .

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Light Sentence

“Legal observers were surprised by the relatively light, 47-month sentence received Thursday by President Trump’s former campaign chairman Paul Manafort, who was convicted in August on charges of tax and bank fraud.

The 69-year-old, who appeared in the court in Virginia in a wheelchair and pleaded for compassion, could have been sentenced to up to 24 years in federal prison.

With time served, Thursday’s sentence means Manafort could spend a little more than three years behind bars for this case.

NBC News and MSNBC legal analyst Glenn Kirschner: ‘As a former prosecutor, I’m embarrassed. As an American, I’m upset … I am just as disappointed with Judge Ellis. It’s an outrage and it’s disrespectful of the American people.'”

I have been in level 4, 2, and 1 prisons. I used to chase prisoners a long time ago. None of these prisons are a walk in the park. The prison up in Pugsley, Michigan was a level 1 and one of the most dangerous ones in the state as they transferred a bunch of long timers there who did not give a . . . . . you know what I mean. For this peace of garbage ‘Manafort’ it has to be a huge let down having to associate with the lesser human beings who will be making fun of him. Lets see what the next sentencing brings. If they run it consecutively and it goes over 10 years, he will go to a Level 4.

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Pentagon to Tap Leftover Military Pay Funding

“The Pentagon is planning to tap $1 billion in leftover funds from military pay and pension accounts to help President Donald Trump pay for his long-sought border wall, a top Senate Democrat said Thursday.

Sen. Dick Durbin, D-IL ‘It’s coming out of military pay and pensions. $1 billion. That’s the plan.

The funds are available because Army recruitment is down and a voluntary early military retirement program is being underutilized.’

The development comes as Pentagon officials are seeking to minimize the amount of wall money that would come from military construction projects that are so cherished by lawmakers.

‘Imagine the Democrats making that proposal — that for whatever our project is, we’re going to cut military pay and pensions.'”

Gee, did anyone ever think of tossing this into the VHA funding since the VA now has to pay for the Choice program which Trump said he will not fund.

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Who Beats Out Sanders Other Than Biden?

A Hill-HarrisX poll released Tuesday found that 25 percent of Democrats said they would back Michelle Obama in the party primary over nine other declared or potential candidates, including Sens. Bernie Sanders (I-Vt.), Kamala Harris (D-Calif.), Elizabeth Warren (D-Mass.), and former Rep. Beto O’Rourke (D-Texas). 5% error in Democrat only questioned.

Cited reasons for her being a top choice? She is mostly an unknown, never a candidate, never been on a ballot, avoided a candidate’s public scrutiny, always seems nice, etc. People love her for who she has been, what she has said, and what she exemplifies. There is nothing bad about her. The closest to her, Biden is a real trip and has been in the pocket of Delaware Bankers forever. He personally sponsored bills which have created much of the student loan debt issues today and he comes right out and says it is the student’s fault. The old “I got mine, now you get yours” routine. Biden is as bad as the Bush’s for politics and being beholden.

Hell, I would vote for Michelle.

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Again, Healthcare Cost Drivers Pharma, Doctors, and Hospitals

This should come as no surprise as I have written on the topic of Healthcare Costs and Its Drivers before. In particular, the overriding statistic from an earlier post was 50% of the increase in healthcare costs was due solely to price increases between 1996 and 2013 (JAMA, Factors Associated With . . . . Adjusting for inflation, “annual health care spending on inpatient, ambulatory, retail pharmaceutical, nursing facility, emergency department, and dental care increased from $1.2 trillion to $2.1 trillion or $933.5 billion between 1996 and 2013.” This was broken down into 5 fundamental factors contributing to rising healthcare costs.

– Increased US population size was associated with a 23.1% increase or $269.5 billion
– An aging population was associated with an 11.6% increase or $135.7 billion
– Changes in disease prevalence or incidence (inpatient, outpatient, ED) resulted in spending reductions of 2.4% or $28.2 billion
– Changes in service utilization (inpatient, dental) were not associated with a statistically significant change in spending
– Changes in service price and intensity were associated with a 50.0% increase or $583.5 billion.

Five fundamental factors (Population size, Population aging, Disease prevalence or incidence, Service Utilization, and Service Pricing) were collectively associated with a $933.5 billion increase in annual US health care spending between 1996 through 2013. Represented pictorially, stated objectively, and categorized numerically, I can not make it any more obvious.

Some Explanation

The change in disease prevalence or incidence was associated with a spending reduction of 2.4%, or $28.2 billion while the change in service utilization did not result in a statistically significant change in spending. Said another way, these two factors had little or no impact on the rising cost of healthcare.

The increased healthcare costs from 1996 to 2013 were largely related to Healthcare Service Price and Intensity and secondarily impacted by Population Growth and Population Aging in order of impact. The bar chart reflects all of the impact in changes.

So the aging tsunami of baby boomers has not hit yet and population growth has not greatly impacted the results of this study. In patient stays at hospitals are down as well as out patient use of facilities. The big issue is the change in pricing for inpatient hospital stays and pharmaceuticals. Hospital/clinic consolidations leads to the former even though insurance has been fighting for a reduction in stays. Pharmaceutical has instituted new pricing strategies which we have all read about in the news. Old drugs such as Humalog, Viovo, and the infamous Epipens as well as others are now more expensive. This study points to pricing for pharma and service as the issues.

An example?

There is a tendency to challenge the lifestyle practices of people who indulge in too much. One factor did come out in the increased cost of healthcare. The increase in annual diabetes spending between 1996 and 2013 was $64.4 billion of which $44.4 billion of this increase was pharmaceutical spending. Said another way, two-thirds of the increase in treating diabetes was due simply to the increased pricing of pharmaceutical companies.

And yes, there should be time spent on changing habits where it can be changed and providing the means to do so. However, in 1996 Eli Lilly’s Humalog was $21 per vial. By 2017, the price increased to $275 (700%) for a vial which equates to a one-month supply.

Why has the cost of Humalog increased? “The truth is the improvements in new formularies of old versions which are marginally different, and the clinical benefits of them over the older drugs have been zero.” Just like slapping “new and improved” on the labels of food products with a change of ingredients (which qualifies under USDA and FDA labeling regs)., pharmaceuticals can play the same game and they do.

As the article (“Eli Lilly Raised U.S. Prices Of Diabetes Drug 700 Percent Over 20 Years”) explains, “most patients do not pay the full cost/price of a drug up front and absorb their portion of the cost via an increase in monthly healthcare premiums.” This leads to pharmaceutical companies charging as much as the U.S. insurance companies will let them. Both parties profiting from increased prices. Perhaps Alex Azar the Secretary of Healthcare can explain it better as he was an officer of Eli Lilly when Humalog began its ascend?

Another Study via Health Affairs

A shorter time period extending one year longer than the Jama study, the Health Affairs study supports what is being said in the JAMA study. According to data from the Henry J. Kaiser Family Foundation, total health spending on the privately insured in the United States increased in real terms by nearly 20 percent from 2007 to 2014.

A more recent study funded by the Commonwealth Fund and published by Health Affairs examined other costs impacting healthcare. Commonwealth Fund supported researchers recently analyzed hospital and physician prices for inpatient and hospital-based outpatient services as well as for four high-volume services: cesarean section, vaginal delivery, hospital-based outpatient colonoscopy, and knee replacement. Its findings were as follows:

– From 2007 to 2014, hospital-prices for inpatient care grew 42 percent compared to 18 percent for physician-prices for inpatient hospital care
– For hospital-based outpatient care, hospital-prices rose 25 percent compared to 6 percent for physician-prices
– There was no difference in results between hospitals directly employing physicians and indirectly employing physicians
– Hospital prices accounted for over 60 percent of the total price of hospital-based care.
– Hospital prices accounted for most of the cost of the four high-volume services included in the study. The hospital component ranged from 61 percent for vaginal deliveries to 84 percent for knee replacements.

Sound familiar? The JAMA study looked at both in and out patient costs/prices associated with hospital services and said they were up. The Health Affairs study looks at in patient services for four high volume inpatient services stating they have increased significantly from 2007 to 2014.

What the Health Affairs study Showed

The Health Affairs study also presents a comparison of hospital pricing growth rates as compared to physician pricing growth rates. The study is only a few weeks old and I am surprised I am able to access as much information as I have. While Health Affairs admits the study is a start and more work differentiating other aspects must be done, the study suggests there are significant growth in the bargaining leverage of hospitals as compared to physicians.

If you recall Rusty “Tom” and I engaged in a number of different conversations on healthcare with one of them being hospital consolidations (2013). It is a power grab, as Rusty pointed out, for more market segment and pricing control with those having name-recognition gaining the most. Maggie Mahar also referenced the same issue.

In my own commentary On the Horizon After Obamacare (2014): As it stands and even with its faults, the ACA is a viable solution to many of the issues faced by the uninsured and under-insured; but in itself, it only addresses the delivery-half of the healthcare problem. The other half of the problem rests with the industry delivering the healthcare and the control of pricing through the inherent monopolistic power coming and pushing the industry into greater integration of delivery. As Longman and Hewitt posit,

“the message from Department of Health and Human Services stresses the vast savings possible through a less ‘fragmented and integrated’ health care delivery system. With this vision in mind, HHS officials have been encouraging health care providers to merge into so-called accountable care organizations, or ACOs”; “while on the other side of the Mall, ‘pronouncements from the FTC are about the need to counter the record numbers of hospitals and doctors’ practices merging and using their resulting monopoly power to drive up prices.”

Two different messages from government, greater efficiencies in healthcare through consolidations as ACOs versus monopolistic pricing control in healthcare by large hospital and pharmaceutical corporations an unintended result. There is large amounts of inefficiencies, waste, and rent-taking in healthcare as well as in Medicare which is touted as the go-to by politicians and advocates of it. Lets not make a similar mistake, the creation of any forthcoming healthcare system must first address the costs of healthcare and then the delivery of it not ignoring the quality of the product and its outcome after treatment. Again Maggie Mahar was big on promoting this result emanating from any new system.

While Physician fees grew at a compounded annual rate of 6% for baby deliveries and 1% for office visits between 2003 and 2010, hospitals fees during a similar period grew at 17%.

A measurement of the competitiveness of a hospital within a certain area of the country is done utilizing the Herfindahl-Hirschman Index (HHI). It has been used to measure competition in and around cities. The results of the HHI revealed an increase in the concentration of hospitals from mergers and acquisitions, going from moderately concentrated in 1990 with an HHI numeric of 1570, to more concentrated in 2009 with a HHI of 2500, and with some cities purely monopolistic at 10,000.

Rigorous action by the FTC would certainly go a long way in improving compositeness; however, the FTC has been purposely understaffed by cutting its funding. In place at the FTC is a staff 22 lawyers and economists to monitor a $3 trillion healthcare industry. It is too understaffed to take on such a large industry which would overwhelm it with legalese and paper. Maybe in the next election will bring forth the right person to take on healthcare.

Resources

Hospital Prices Grew Substantially Faster Than Physician Prices For Hospital-Based Care In 2007–14, Zack Cooper, Stuart Craig, Martin Gaynor, Nir J. Harish, Harlan M. Krumholz, and John Van Reenen, HealthAffairs, February 2019

Hospital Care Prices Rose Faster Than the Cost of Physician Services, Zack Cooper, February, 2019

After Obamacare Phillip Longman and Paul S. Hewitt, Washington Monthly, January – February 2014

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Damn Socialists, Commies, and Libruls – Updated February 24th

In an editorial, the publisher of the Democrat-Reporter newspaper in Linden Alabama confirmed to the Montgomery Advertiser on Monday that he authored the Feb. 14 editorial calling for the return of a white supremacist hate group.

In a conversation, Goodloe Sutton added to the editorial.

“If we could get the Klan to go up there and clean out D.C., we’d all been better off.”

Asked to elaborate what he meant by cleaning up D.C., Sutton suggested lynching.

“We’ll get the hemp ropes out, loop them over a tall limb and hang all of them,” Sutton said.

(Finally, someone who know what hemp is used for besides medicinal. As an 18 year old, I would help my dad rig rope-scaffolds on the buildings in Chicago. I can still splice Manila – hemp ropes up to 1 inch as my hands have growth weaker over the years.)

When asked if he felt it was appropriate for the publisher of a newspaper to call for the lynching of Americans, Sutton doubled down on his position.

“It’s not calling for the lynching of Americans. These are socialist-communists we’re talking about. Do you know what socialism and communism is?” Sutton asked.

Montgomery Advertiser reporter Melissa Brown

Update:, February 23, 2019: In a, I do not give a damn – Melissa moment, Goodloe Sutton, decided he had had enough as did his family with Goodloe.

“Lady, I don’t give a shit. I’m quitting. You can tell everybody you ran me out of the newspaper business.”

The Sutton family: “Effective February 21, 2019, Elecia R. Dexter will be the Publisher and Editor of the newspaper going forward.” Elecia is a Black woman and it is hinted she may now be the owner.

Montgomery Advertiser reporter Melissa Brown

So much for white-trash.

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Kapernick

It was September 2017, and bad boy Trump spouts off; “Wouldn’t you love to see one of these NFL owners, when somebody disrespects our flag, to say, ‘Get that son of a bitch off the field right now, out,’” He’s fired. He’s fired!’” The crowd of supporters erupted in cheers.

With just a few words and by the close of that weekend, Trump had managed to get hundreds of NFL players taking a knee like Kaepernick or staying in the locker room during the playing of the National Anthem. Kaepernick was on his way out the door and Trump managed to slam the door shut and turn it around for him. In one weekend and a few stupid words by Trump and Kapernick, as Atlantic’s David Graham pointed out, became an icon of protest.

And now? After the NFL’s plea to dismiss the case was rejected by an arbitrator last August, the NFL folded and agreed to settle before the next hearing in a month. Too much at stake and too much to be exposed in depositions by owners and coaches. And as Jemele Hill said in yesterdays Atlantic; “Technically, Colin Kaepernick withdrew his collusion case. Technically, the NFL did not admit that it conspired to blackball Kaepernick from the league after he began taking a knee during the national anthem to protest racial injustice. But nontechnically speaking, the NFL lost. Massively.”

Kapernick may never play NFL football again; but, he did win a much bigger game for all of us.

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Sunday News

Texas AG Claims Noncitizens Voted in 2018, Liam Stack, NYT

Texas AG Ken Paxton: “Every single instance of illegal voting threatens democracy in our state and deprives individual Texans of their voice.” Texas has called into question 95,000 registered voters who in the past have identified themselves as noncitizen and legal residents of the United States.

Other authorities are skeptical of the AG’s claim 58,000 noncitizens of the 8.2 million registered voters listed voted in 2018. A spokesman for the AG followed up stating the identification of the 95,000 is not proof of voting. Texas is asking each of the identified for additional proof of citizenship. Texas has one of the strictest voting laws in the nation. Nonvoting citizens is a felony, oops a mistake, noncitizens voting in Texas is a felony and noncitizens registering is a misdemeanor.

Civil Rights Attorney Kristen Clarke: “Texas has a rich history of undertaking action to make it harder for people to vote,” she said. “Whenever you’re invoking the threat of criminal prosecution, the chilling effect becomes almost unavoidable.”

From Celebrated to Vilified Sheryl Gay Stolberg, NYT

As symbols of diversity when they were sworn in last month, Congressional Representatives Rashida Tlaib of Michigan and Ilhan Omar of Minnesota joined the other 435 members of the House of Representatives.

One month later and after bringing their views on Israel to the forefront, they have found themselves to be the most vilified of the Democrats by their own party and that of Republicans. The president of the J Street a liberal Jewish advocacy Ben Ami said the two are “opening up a discussion that is absolutely needed on American policy.” They are helping to pull the Democratic Party more toward the view espoused by J Street and “younger liberal Jews” who believe that “you can be sympathetic to the state of Israel and also sympathetic to the plight of the Palestinian people.”

Both women are under fire for their views and comments.

the smirking face of Trumpism in America Rafia Zakaria, The Bafler

This comes a bit late. I was off visiting family in Chicago and helping my wife keep two young, challenging grand daughters busy while temperatures plummeted in the minus twenties at night and the winds off the lake did not make the minus teens any better during daylight. I can not recall in my 60 plus years temperatures of this kind even living further north. And neither can I recall the outward arrogance of teens on display at the Lincoln Memorial.

As Rafia writes; “Just as many seemed to be coalescing against the shamefulness of young men deriding a Native American veteran, another story, the cherished ‘other’ side with which the pain of non-white Americans is trivialized, was gathered up. Solemn faced television anchors and their off-air Twitter colleagues now dished up ‘context.’ Whether or not it was intended for this purpose, its effect was to muddle up the story that the original video told, a story whose racist truth cast in the arrogance of a young man and the fortitude of an old one had galvanized an America of ever-dwindling empathy to actually care.”

What other side of this can there be? A teenage white-boy standing in front of a native American veteran with a smirk on his face wearing a red “MAGA” cap to a protest designed to protect the unborn. The Catholic church caves to the white parents of the white students. There was a moment when this could have gone the other way. The young teen could have left his red cap at home, could have stepped out of the way, could have watched with respect of another culture practicing a religion unknown to most of us, etc.

There was a defining moment and the young man in question showed one example of it, an image of American intolerance of minorities in a mostly white American. There is no other side to this story. It is strictly what can be observed.

I have been asked to talk about my global travels at a Jesuit University from where I earned my Masters. There is a great example here of how not to be an Ugly American. There is another side also and it is “how to behave as a minority” in another country.

Millions of College Students Go Hungry While Pursuing a Degree, Marcella Bombardieri, The Atlantic

From a 2017 survey, 42 percent of community-college students nationally experienced food insecurity within a previous month. This could mean missing meals altogether or not being able to afford balanced meals. Twelve percent of students were considered homeless at some point in the previous year.

Among Amarillo College students who took the same survey, 54 percent had experienced food insecurity within the past month, and 11 percent had been homeless in the past year. The Amarillo student body is not significantly needier than those of other institutions, but the college leadership’s interest in highlighting the extent of the need is much more unusual.

Amongst college students food insecurity is a real issue. A new report from the Government Accountability Office highlights the breadth of those students affected. Three common risk factors for food insecurity were identified among low-income students; being a first generation college student; receiving SNAP (receiving SNAP can be considered a risk factor in that it may reduce and not entirely eliminate food insecurity); and being a single parent. Of the approximately 7.3 million low-income students, 31 percent were first-generation college students, 31 percent reported receiving SNAP, and 25 percent were single parents.

‘Show of force’, Anna Giaritelli, Washington Examiner

In a show of force, the Trump administration has flooded a Texas border town sitting just over the river from the Mexican city of Piedras Negras. 1,800 caravan migrants arrived earlier in the week as well as hundreds of law enforcement personnel across the river. Both sides of the river have been watching this caravan move. And of course every news media glorifying Trump’s actions is out carrying the “you will not pass this way” message. “To me, it is showing force. It would give a message to the immigrants wanting to come illegally through Texas that it is always prepared and has a lot of manpower at the border — that they should go to another state,” County Sheriff Tom Schmerber.

“100 U.S. law enforcement vehicles lined a one-mile stretch of the Rio Grande River in Eagle Pass, Texas on a Saturday afternoon. Sixty sat together in one section of the river on a local golf course.”

I wonder what the fairways look like now? I am sure the golf course and the resident golfers were thrilled. And they will blame the supposedly wretched illegals for trying to escape a condition the US helped to create.

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Scales of Justice Played Out in Madison County, Indiana

There is quite a bit of Medicare fraud occurring in the nation and there has been a coordinated attack on it. The fraud can be measured in the $billions. Commercial healthcare Insurance fraud is also a problem and insurance companies spend quite a bit of money fighting it which adds to their administrative fees of 15 and 20%.

99.9% of the time the theft goes into the pocket of the thieves. People get rich off of this stuff.

In Madison County Indiana, a school superintendent resigned her position. The reason? She took a student to a healthcare clinic seeking treatment for him because he had symptoms of Strep throat. Not a big deal and an act of kindness and charity.

The problem arises with her claiming him as her son and having her insurance pay the $233 bill. Except, this was not her son, she committed fraud, and her kindness and charity does not count.

The Madison County prosecutor Rodney J. Cummings who has tried “100 major felony and homicide jury trials” has charged the school superintendent with three felonies and one misdemeanor. Yes, it is an act of theft. I admit it and I am sure others will dispute my cavalier attitude here on crime and justice.

$233 to help a child and committing fraud to get him care is now worthy of three felony charges plus a misdemeanor? What was I thinking when the state news in Indiana is talking about $billions in Medicare, healthcare, and opinion fraud? Perhaps, not much is happening in Madison County just northeast of Indianapolis.

But then there is the plea deal going on here. One year of checking in with the county to make sure you are still behaving and admit to the crime. As measured against the $thousand which will be spent on court dates and administering the sentence for one year. Mr. Prosecutor, don’t you have something better to do?

Scrap the three felonies and misdemeanor. There is no evil act going on here and move on to other things. She can pay the insurance company back, court costs, get a stern warning, you will still look like you are cracking down on fraud, and also show you have a heart

Now here is a potential real felony: “Two days after accidentally firing his handgun into the floor of an Anderson restaurant, Madison County Prosecutor Rodney Cummings acknowledges he could have done more to prevent the mishap.”

Awww, sorry folks, it was a new gun. Go back to eating your steaks (Texas Roadhouse).

“It was a new gun. I’ve only had it for a couple weeks, who noted he has carried a firearm for 36 years as a prosecutor and a police officer.”

Cummings told the newspaper he plans to have the gun examined by an armorer to ensure there are no mechanical problems. He also plans to buy a holster.

“I will not in the future have a round in the chamber, It’s just not worth the risk.”

Another JA wannabe cowboy.

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