Monday, August 31, 2009

We are spoiled by our health insurance

John Stossel brought up an interesting perspective the other day. He pointed out that making insurance companies pay more is not the answer to the healthcare crisis. The problem is that we people have no stake in driving down the price of healthcare because it is free.

For comparison, he brings up that the cost of Lasik surgery has been driving down for years. Why? Because its not covered by health insurance. Make sense to me!

I started thinking that we treat our home and car insurance in kind of the same way. When something goes wrong with our plumbing or heating, we can a repairman, shop around for the best deal and go with one that meets all our needs. We don't call the insurance company! Imagine how much a plumbing or HVAC repair would cost if it was paid for by insurance? But if a tree falls on your house or something major happens, that is what insurance is for!

Similarly for your car. You don't charge tires, oil changes, and brake jobs to your car insurance provider. Insurance covers you in case of theft, accidents, etc.

Imagine if we applied that same kind of logic to health insurance. We'd shop around for the best prices on basic "personal" maintenance and minor repairs. Of course if we get cancer or some serious diagnosis then that is what insurance is for. That would save all of us money and make our system better because there would be price competition.

Of course the problem isn't this simple but this is the kind of mindset that would help. We need people to take responsibility for their own "maintenance" and basic upkeep. Insurance should be for unexpected, major, or catastrophic events.

Thursday, August 27, 2009

Best product writeup ever?

BonkTown.com: Shimano America Dura-Ace Hollowtech Double Crankset - $223.99 - 53% off: "Shimano America Dura-Ace Hollowtech Double Crankset:

Mmm…sexy sexy. The Shimano Dura-Ace Hollowtech II Double Crankset is stiffer than a frozen boner, flashier than Liberace, and lighter and hotter than a pair of titanium panties. The sleek two-piece design, oversized spindle and hollow-forged crankarms trim every last gram of fat while simultaneously boosting system rigidity. Near-seamless construction means unmatched power transmission to the custom machine-lightened Dura-Ace chainrings, pickle-crisp shifting, and a lust factor that will parch the salivary glands of your comrades."

Blink XT2 Thumbnail Failed Fix

Well, this is a bit frustrating. I have one outdoor Blink XT2 camera from Amazon which I installed about a year and a half ago...or maybe tw...