Obama administration report: 65% of small firms face Obamacare premium hikes

From Investors Business Daily.

Excerpt:

Released into a news black hole last Friday, an official Obama administration report finds that ObamaCare will push premiums up for two-thirds of small businesses. Cross off another ObamaCare promise.

The report came from the actuary for the Centers for Medicare and Medicaid Services — which means it’s from the administration’s official ObamaCare number cruncher.

What it found was that 65% of small businesses that offer insurance will likely see their premiums rise thanks to ObamaCare. That translates into higher insurance costs for 11 million workers.

The reason? These companies generally employ younger, healthier workers and so had been paying lower-than-average rates.

But since ObamaCare bans insurance companies from considering health when setting premiums, these companies will get hit with higher costs.

“We are estimating that 65% of small firms are expected to experience increases in their premium rates,” the report said, “while the remaining 35% are anticipated to have rate reductions.”

The report doesn’t say how big these hikes will be, but we have good reason to believe the extra costs will be significant.

One study, for example, found that 63% of small employers in Wisconsin will see premiums jump 15% because of ObamaCare. A separate study found that 89% of small companies in Maine would see rate hikes of 12% on average.

Another, by consulting firm Oliver Wyman, concluded that ObamaCare would push up small group premiums nationwide 20%.

Is this how the bill was sold to us by the Obama administration and their supporters in the mainstream media?

No:

In 2009, Obama promised small businesses that his plan would “make the coverage that you’re currently providing more affordable.” Later he said it would drive small-business premiums down by 4% in its first year, and as much as 25% by 2016.

As recently as last summer, Pelosi was proclaiming that “if you’re a small business … it lowers costs,” while Waxman said the law would make “high-quality healthy insurance more affordable and more widely available for small businesses.”

Notice that nowhere — either before or after ObamaCare passed — did any Democrat say anything about two-thirds of small businesses paying more for health coverage so the lucky one-third could get rate cuts.

Next time you hear a big government liberal promising you goodies at no cost, keep in mind their record. They are making policy from emotions, not from mathematics. They believe that they are lying to you for your own good. Their goal is not to tell the truth at all. And don’t rely on the left-wing journalism crowd to hold them accountable, they flunked math too.

Four ways that the progress of science conflicts with naturalistic speculations

When people ask me whether the progress of science is more compatible with theism or atheism, I offer the following four basic pieces of scientific evidence that are more compatible with theism than atheism.

Here are the four pieces of evidence best explained by a Creator/Designer:

  1. the kalam argument from the origin of the universe
  2. the cosmic fine-tuning (habitability) argument
  3. the biological information in the first replicator (origin of life)
  4. the sudden origin of all of the different body plans in the fossil record (Cambrian explosion)

And I point to specific examples of recent discoveries that confirm those four arguments. Here are just a few of them:

  1. An explanation of 3 of the 6 experimental evidences for the Big Bang cosmology (From an article from Caltech)
  2. Examples of cosmic fine-tuning to allow the existence of conscious, embodied life (From the New Scientist)
  3. Evidence that functional protein sequences are beyond the reach of chance, (from Doug Axe’s JMB article)
  4. Evidence showing that Ediacaran fauna are not precursors to the Cambrian fossils, (from the journal Nature)

Atheists will typically reply to the recent scientific discoveries that overturned their speculations like this:

  1. Maybe the Big Bang cosmology will be overturned by the Big Crunch/Bounce so that the universe is eternal and has no cause
  2. Maybe there is a multiverse: an infinite number of unobservable, untestable universes which makes our finely-tuned one more probable
  3. Maybe the origin of life could be the result of chance and natural processes
  4. Maybe we will find a seamless chain of fossils that explain how the Cambrian explosion occurred slowly, over a long period time

Ever heard any of these responses?

Below I list some resources to help you to respond to the four responses of atheists to the experimental data.

1) The Big Crunch/Bounce has been disproved theoretically and experimentally.

Theoretically:

Nature 302, 505 – 506 (07 April 1983); doi:10.1038/302505a0

The impossibility of a bouncing universe

ALAN H. GUTH* & MARC SHER†

*Center for Theoretical Physics, Laboratory for Nuclear Science and Department of Physics, Massachusetts Institute of Technology, Cambridge, Massachusetts 02139, USA

†Department of Physics, University of California, Irvine, California 92717, USA

Petrosian1 has recently discussed the possibility that the restoration of symmetry at grand unification in a closed contracting Robertson–Walker universe could slow down and halt the contraction, causing the universe to bounce. He then went on to discuss the possibility that our universe has undergone a series of such bounces. We disagree with this analysis. One of us (M.S.) has already shown2 that if a contracting universe is dominated by radiation, then a bounce is impossible. We will show here two further results: (1) entropy considerations imply that the quantity S (defined in ref. 1 and below), which must decrease by ~1075 to allow the present Universe to bounce, can in fact decrease by no more than a factor of ~2; (2) if the true vacuum state has zero energy density, then a universe which is contracting in its low temperature phase can never complete a phase transition soon enough to cause a bounce.

Experimentally:

The universe is not only expanding, but that expansion appears to be speeding up. And as if that discovery alone weren’t strange enough, it implies that most of the energy in the cosmos is contained in empty space — a concept that Albert Einstein considered but discarded as his “biggest blunder.” The new findings have been recognized as 1998’s top scientific breakthrough by Science magazine.

[…]The flood of findings about the universe’s expansion rate is the result of about 10 years of study, said Saul Perlmutter, team leader of the Supernova Cosmology Project at Lawrence Berkeley National Laboratory.

Perlmutter and others found such a yardstick in a particular kind of exploding star known as a Type 1A supernova. Over the course of several years, the astronomers developed a model to predict how bright such a supernova would appear at any given distance. Astronomers recorded dozens of Type 1A supernovae and anxiously matched them up with redshifts to find out how much the universe’s expansion was slowing down.

To their surprise, the redshift readings indicated that the expansion rate for distant supernovae was lower than the expansion rate for closer supernovae, Perlmutter said. On the largest scale imaginable, the universe’s galaxies appear to be flying away from each other faster and faster as time goes on.

“What we have found is that there is a ‘dark force’ that permeates the universe and that has overcome the force of gravity,” said Nicholas Suntzeff of the Cerro Tololo Inter-American Observatory, who is the co-founder of another group called the High-z Supernova Search Team. “This result is so strange and unexpected that it perhaps is only believable because two independent international groups have found the same effect in their data.”

There has only been one creation of the universe, and the universe will never reverse its expansion, so that it could oscillate eternally. That view is popular, perhaps in part because many people watched videos of Carl Sagan speculating about it in public school classrooms, but all it was was idle naturalistic speculation, (Sagan was a naturalist, and held out hope that science would vindicate naturalism), and has been contradicted by good experimental science. You should be familiar with the 3 evidences for the Big Bang (redshift, light element abundances (helium/hydrogen) and the cosmic microwave background radiation. There are others, (radioactive element abundances, second law of thermodynamics, stellar lifecycle), but those are the big three. Point out how the experimental evidence for the Big Bang has piled up, making the problem even worse for the eternal-universe naturalists.

2) The multiverse has not been tested experimentally, it’s pure speculation.

Speculation:

Multiverse thinking or the belief in the existence of parallel universes is more philosophy or science fiction than science. ”Cosmology must seem odd to scientists in other fields”.

George Ellis, a well-known mathematician and cosmologist, who for instance has written a book with Stephen Hawking, is sceptical of the idea that our universe is just another universe among many others.

A few weeks ago, Ellis, professor emeritus of applied mathematics at the University of Cape Town, reviewed Brian Greene’s book The Hidden Reality: Parallel Universes and the Deep Laws of the Cosmos (Knopf/Allen Lane, 2011) in the journal Nature. He is not at all convinced that the multiverse hypothesis is credible: ”Greene is not presenting aspects of a known reality; he is telling of unproven theoretical possibilities.”

According to professor Ellis, there is no evidence of multiverses, they cannot be tested and they are not science.

Ellis is not the only multiverse sceptic in this universe. A few months ago, science writer John Horgan wrote a column in Scientific American, expressing his doubt in multiverses.

When you get into a debate, you must never ever let the other side get away with asserting something they have no evidence for. Call them on it – point out that they have no evidence, and then hammer them with evidence for your point. Pile up cases of fine-tuning on top of each other and continuously point out that they have no experimental evidence for their speculations. Point out that more evidence we get, the more cases of fine-tuning we find, and the tougher the problem gets for naturalists. There is no evidence for a multiverse, but there is evidence for fine-tuning. TONS OF IT.

3) Naturalistic theories for the origin of life have two problems: can’t make the amino acids in an oxydized atmosphere and can’t make protein and DNA sequences by chance in the time available.

Building blocks:

The oxidation state of Hadean magmas and implications for early Earth’s atmosphere

Dustin Trail, E. Bruce Watson & Nicholas D. Tailby

Nature 480, 79–82 (01 December 2011) doi:10.1038/nature10655

[…]These results suggest that outgassing of Earth’s interior later than ~200?Myr into the history of Solar System formation would not have resulted in a reducing atmosphere.

Functional protein sequences:

J Mol Biol. 2004 Aug 27;341(5):1295-315.

Estimating the prevalence of protein sequences adopting functional enzyme folds.

Axe DD.

The Babraham Institute, Structural Biology Unit, Babraham Research Campus, Cambridge CB2 4AT, UK. doug.axe@bbsrc.ac.uk

Proteins employ a wide variety of folds to perform their biological functions. How are these folds first acquired? An important step toward answering this is to obtain an estimate of the overall prevalence of sequences adopting functional folds.

[…]Starting with a weakly functional sequence carrying this signature, clusters of ten side-chains within the fold are replaced randomly, within the boundaries of the signature, and tested for function. The prevalence of low-level function in four such experiments indicates that roughly one in 10(64) signature-consistent sequences forms a working domain. Combined with the estimated prevalence of plausible hydropathic patterns (for any fold) and of relevant folds for particular functions, this implies the overall prevalence of sequences performing a specific function by any domain-sized fold may be as low as 1 in 10(77), adding to the body of evidence that functional folds require highly extraordinary sequences.

So atheists are in double jeopardy here. They don’t have a way to build the Scrabble letters needed for life, and they don’t have a way to form the Scrabble letters into meaningful words and sentences. Point out that the more research we do, the tougher the problem gets to solve for naturalists, and the more it looks like an effect of intelligence. Write out the calculations for them.

4) The best candidate to explain the sudden origin of the Cambrian era fossils was the Ediacaran fauna, but those are now recognized as not being precursors to the Cambrian fossils.

Science Daily reports on a paper from the peer-reviewed journal Science:

Evidence of the single-celled ancestors of animals, dating from the interval in Earth’s history just before multicellular animals appeared, has been discovered in 570 million-year-old rocks from South China by researchers from the University of Bristol, the Swedish Museum of Natural History, the Paul Scherrer Institut and the Chinese Academy of Geological Sciences.

[…]This X-ray microscopy revealed that the fossils had features that multicellular embryos do not, and this led the researchers to the conclusion that the fossils were neither animals nor embryos but rather the reproductive spore bodies of single-celled ancestors of animals.

Professor Philip Donoghue said: “We were very surprised by our results — we’ve been convinced for so long that these fossils represented the embryos of the earliest animals — much of what has been written about the fossils for the last ten years is flat wrong. Our colleagues are not going to like the result.”

Professor Stefan Bengtson said: “These fossils force us to rethink our ideas of how animals learned to make large bodies out of cells.”

The trend is that there is no evolutionary explanation for the body plans that emerged in the Cambrian era. If you want to make the claim that “evolution did it”, then you have to produce the data today. Not speculations about the future. The data we have today says no to naturalism. The only way to affirm naturalistic explanations for the evidence we have is by faith. But rational people know that we need to minimize our leaps of faith, and go with the simplest and most reasonable explanation – an intelligence is the best explanation responsible for rapid generation of biological information.

Conclusion

I do think it’s important for Christians to focus more on scientific apologetics and to focus their academic careers in scientific fields. So often I look at Christian blogs, and I see way too much G. K. Chesterton, Francis Chan and other untestable, ineffective jibber-jabber. We need to bring the hard science, and stop making excuses about not being able to understand it because it’s too hard. It’s not too hard. Everyone can understand “Who Made God?” by Edgar Andrews – start with that! Then get Lee Strobel’s “The Case for a Creator“. That’s more than enough for the average Christian on science apologetics. We all have to do our best to learn what works. You don’t want to be anti-science and pro-speculation like atheists are. I recommend reading Uncommon Descent and Evolution News every day for a start.

Do men need respect from women, or can they perform their male roles without it?

From reading previous posts on Matt Walsh’s popular blog where he writes about male-female relationships. I got the impression that he was writing too much about how to blame men, and not enough about the policies and practices that provide incentives for men to underperform, e.g. – mostly female teachers, unfair divorce laws, stimulus spending geared towards women, etc. So imagine my surprise when I came across this article about men and their need for respect.

First, look at this excerpt. This is what I would have written to criticize Matt Walsh, but he writes it himself:

I’ve discussed at length how men should treat women. I’ve written about the lessons I plan to teach my son; lessons about how he should love, honor, respect, serve, and protect the women in his life. Indeed, men need to respect women, and we, as men, are far from perfect in that regard.

Those posts — the ones where I call on us men to improve the way we treat women — tend to be very popular. They’re popular when I write them or when anyone writes them. Proclaim that women, mothers, and wives should be respected, and a chorus will shout ‘amen.’ Every day on Facebook brings us another viral post excoriating men and supporting women. I’ve written a few of them myself.

But I’ve noticed that the corollary – a message about the respect women must give men, a message challenging wives and encouraging husbands – isn’t quite so palatable for many people. Disrespect for men has become standard practice. That scene I witnessed was sad but unremarkable; we’ve all watched that kind of thing play out a thousand times over. Men are disrespected by their wives – they’re disrespected publicly, they’re disrespected privately, they’re disrespected and then told that they have no right to be upset about it because they aren’t worthy of respect in the first place.

Let me tell you, as a blogger who chooses to primarily focus on holding women accountable in relationships, I know that it is much less popular than placing demands on men. Believe me, I have the hate mail to prove it. It is automatic, even with some Christian women, that any attempt to suggest a moral obligation that women have to men or children is met with denial, deflection or rationalization. “But what about men’s responsibilities to women?”

So Matt is concerned that men are hearing too many negative messages, and not getting enough respect from their wives.

He writes:

These cultural messages aren’t harmful because they hurt my manly feelings; they’re harmful because of what they do to young girls. Society tells our daughters that men are boorish dolts who need to be herded like goats and lectured like school boys. Then they grow up and enter into marriage wholly unprepared and unwilling to accept the Biblical notion that “wives should submit to their husbands” because “the husband is the head of the wife.” [Ephesians 5]

It is a fatal problem, because the one thing that is consistently withheld from men and husbands — respect — is the one thing we need the most.

Yes, need. We need respect, and that need is so deeply ingrained that a marriage cannot possibly survive if the man is deprived of it.

Often, people will say that a husband should only be respected if he “earns” it. This attitude is precisely the problem. A wife ought to respect her husband because he is her husband, just as he ought to love and honor her because she is his wife. Your husband might “deserve” it when you mock him, berate him, belittle him, and nag him, but you don’t marry someone in order to give them what they deserve. In marriage, you give them what you’ve promised them, even when they aren’t holding up their end of the bargain.

OK really, one last quote from Matt:

Respect is our language. If it isn’t said with respect, we can’t hear it. This is why nagging is ineffective and self defeating. This is why statements made in sarcastic tones, or with rolling eyes, will never be received well. We have a filter in our brains, and a statement made in disrespect will be filtered out like the poison it is.

Men are notoriously reluctant to share feelings or display vulnerability. Many times, we keep those inner thoughts locked away — our feelings guarded and hidden — because we know we are not respected. A man will never be vulnerable to someone who doesn’t respect him. Never.

A man isn’t satisfied or content if he isn’t respected. If he can’t find respect where he is, he will seek it somewhere else. This can have disastrous implications for a relationship, but it applies in other areas of life as well. A man is much more likely to stay in a low paying job, a physically demanding job, a dangerous job, or a tedious job, than a job where he isn’t respected.

I’m only emphasizing this because I think it might actually be news to some people. Society does not permit men to be vocal about their need for respect, so the need is often ignored.

What I’ve found in speaking to women about this is that all the married and divorced women know about this need that men have. And by and large, they agree with it, too. But that is much rarer among single women, which is why men need to be ready to explain their needs and feelings, and give women opportunities to practice giving men respect, especially when men are trying to practice their male roles.

Let’s take a quick look at the Bible, because that’s always a good thing to do when you want the truth about these things.

Ephesians 5:22-33:

22 Wives, be subject to your own husbands, as to the Lord.

23 For the husband is the head of the wife, as Christ also is the head of the church, He Himself being the Savior of the body.

24 But as the church is subject to Christ, so also the wives ought to be to their husbands in everything.

25 Husbands, love your wives, just as Christ also loved the church and gave Himself up for her,

26 so that He might sanctify her, having cleansed her by the washing of water with the word,

27 that He might present to Himself the church in all her glory, having no spot or wrinkle or any such thing; but that she would be holy and blameless.

28 So husbands ought also to love their own wives as their own bodies. He who loves his own wife loves himself;

29 for no one ever hated his own flesh, but nourishes and cherishes it, just as Christ also does the church,

30 because we are members of His body.

31 For this reason a man shall leave his father and mother and shall be joined to his wife, and the two shall become one flesh. 32 This mystery is great; but I am speaking with reference to Christ and the church.

33 Nevertheless, each individual among you also is to love his own wife even as himself, and the wife must see to it that she respects her husband.

Some women get scared by that, but they shouldn’t be, because you get to pick your husband, so just pick someone whose leadership you actually respect.

And now for my opinion about this topic.

To start, remember that men are supposed to be good at the following roles:

  • protecting (men spot threats to people, truth and goodness and attack we those threats)
  • providing (men get STEM degrees, and we save money so we can share with others)
  • moral leader (men read books to know how to make a secular case for pro-life and pro-marriage)
  • spiritual leader (men read books to know how to use secular evidence to defend their faith)

If a woman sees a man – any man – working away at these tasks, that’s the time to practice respecting him.

Here are some practical ideas on how to show a man respect, grouped in two sections.

Respect specific to the man’s core beliefs and life plan

  • Find out what goals he is trying to achieve
  • Find out what steps he has taken already
  • Find out what steps he plans to take
  • Find out what obstacles are in his way
  • Tell your friends and family about what he is doing
  • Independently read books, watch lectures, etc. to learn about the problem area
  • Independently solve problems related to his goal in your own life, and tell him about it
  • Monitor his progress and supply encouragement and rewards appropriately
  • Take care of peripheral tasks so he can concentrate on his main focus
  • Attend a training event or conference related to the problem he is trying to solve
  • Arrange a training event or conference related to the problem he is trying to solve at the church or university
  • Invite friends over, and try to show them something related to what he cares about to get a discussion started

Respect for men in general

  • Let him solve problems, especially through his male talents: providing, protecting, leading
  • When you are in public, talk about what he is trying to achieve
  • When you are in public, talk about what you are doing to help him to other people
  • Learn to do the “wind-down” activities that he likes, and do it with him
  • Try to do co-operative activities with him
  • Explain how you feel about something that you need him to do, before and after he does it
  • Explain the mechanics of tasks you do that are difficult (he will buy you something to make it easier)
  • Try to learn about things that men like so you can talk to them about those things (e.g. – politics, theology, etc.)
  • Give him time to achieve things at work if he needs to do that
  • Be frugal with money (men feel really disrespected if their money is wasted)
  • Try to read stories about ordinary men, police, soldiers being brave, so you understand why men sometimes use force (and guns) in order to defeat evil and protect others

If you’re married now, then you can just tailor this list by talking to your husband. It might be hard because men typically 1) can’t express their feelings, and 2) can’t recommend solutions.  Some of that problem can be fixed by being very careful not to do or say anything that will make the man think that he will be hurt by you if he confesses his feelings and needs. That is a nightmare for a man. Ask whether your husband feels respected, and ask for specific things you can do to make him feel respected. I always recommend that the first step be to investigate what he does that you don’t do, and find out the mechanics of it. Finding out opens opportunities to help.

If you are single now, and don’t even know any good men, you can still respect good men by making decisions now to study things that are helpful to good men. Instead of studying radicalized subject areas in school like social work and English, study a useful STEM field, like nursing or engineering or chemistry or economics, etc. Having to deal with difficult, math-oriented subjects is very good for anyone’s character, because it prepares you for the real difficulty of life, so you can be disciplined, detail-oriented and outward-focused. Non-STEM fields don’t pay much because they are not hard. Studying something hard in school helps a woman to become accustomed to having to work hard, and helps her to critical of politicians who promise goodies to people on the backs of private-sector workers.

In addition, women ought to prefer to get a private sector job in a STEM field or business field, if possible. Or better yet run her own business in a STEM field. That will help her to really be understanding and sympathetic to what men are facing in the workplace. If a woman understands the difficulty of what a man does by having done it herself, it makes a man feel respected.