SEARCH ALL ARTICLES BY chadb:
I have B.S. and M.S. in physics and a PhD in Medical Physics. I am a Christian, Husband, and father of 3. I have spent most of my life in the South, but am now getting used to living in upstate NY.

RECENT ARTICLES

    The coming ACA death spiral.

    You might have heard that even if only 25% of the enrollees are young adults that the overall costs of Obamacare will increase only 2.4% and a death spiral will certainly not ensue. Assuming that the enrollees don’t skew sicker than expected (we’ll come back to that) there is still a problem – the gender makeup. It is well known that men use fewer health | Read More »

    A simple tax code

    Sometimes it is nice to dream about how things could be: Let’s imagine what a simple tax code would look like.  The Feds would derive revenue 3 (and only 3) ways: 1) Import tarrifs and travel fees (passports, international airplane landing fees, rail crossing fees, etc.).  I know this may seem horrible, but lets consider that keeping international gateways open is an important function of | Read More »

    Tax deductions, marriage, and children

    This is mostly for the libertarians among us. Governments have a few basic duties including: preserving natural rights through police and military provide limited public goods (roads, harbors, parks, etc.) punishing bad behavior encouraging good behavior The police and military is pretty obvious – preventing invasion by the Huns and shooting drug lords is a clear cut appropriate use of public funds.  Goods that by | Read More »

    Obamacare and Abortion

    have a basic question: As far as I can tell the Roe v. Wade decision hinged on the fact that there is an implicit right to privacy in the Constitution. The NSA surveillance programs seem to revoke that constitutional right. It might be argued that there is still an implicit right to privacy in certain matters like healthcare (although why the Constitution would protect privacy | Read More »

    Here’s how you get a death spiral

    You know how there has been concern that the sickest people will preferentially sign up for Obamacare, but only when they need care? Apparently hospitals are considering buying Obamacare plans for their sickest uninsured patients. That’s right, the hospital will sign up the person, pay the premiums and then submit the patient bill to the insurer. This sort of move actually guarantees that all the | Read More »

    About Discrimination

    So, there is a bill from the Senate proclaiming that all employers and those they employ must give approval to sexual perversion.  The previous situation was that you don’t make a big deal about your perversion at work and nobody asks you about it.  You know, the closet, or Don’t Ask Don’t Tell.  The new bill declares that nobody be “forced” to keep their proclivities | Read More »

    The wrong spot on the Laffer curve

    For those of you who don’t know, the Laffer curve is based on a simple premise: If there is a 0% tax rate the government collects $0 If there is a 100% tax rate the government collects $0 (nobody does any work so there is nothing to tax and everybody starves to death) Somewhere in the middle the collected revenue is maximized. There have been | Read More »

    Detroit closes charter school for financial reasons

    o, apparently Detroit is in the position where they are able to determine whether other institutions are financially sound. Apparently when a school’s debt exceeds half the annual revenue the school is considered unsound. http://www.detroitnews.com/article/20131016/SCHOOLS/310160108/Set-close-Oct-31-Detroit-charter-school-shuts-doors-early This comes from Detroit with $8B debt outstanding on $1B of revenue. An additional ~$8B or so is due to underfunded pension programs. So Detroit doesn’t want unsound debt accrued | Read More »

    How the traditional family will destroy the dependency state [part 1]

    The dependency state (including all dependents both responsible savers and irresponsible government cases) is doomed to failure.  I posted previously on why I believe the overall dependent to productive worker ratio is ~4:1 right now.  Most of our dependents are funded by siphoning off some of the excess valuable labor of these workers and directing those fruits to the not-currently-working via medicare, medicaid, social security, | Read More »

    Dear Republicans: DRAG HIM DOWN

    For our Republican leaders. I would like to note that your approval rating is somewhere in the mid 20% range, meaning about half of your own party disapproves of how you are performing. I suggest that a large component of those in your own party disapproving of your performance are members disappointed with your lack of resolve. I would also like to take this opportunity | Read More »