Interesting story by Dan Stockman in Sunday’s Fort Wayne Journal Gazette entitled “Which price is right?” It’s a real estate shell game where a guy gets an option to buy a property from A, arranges a sale to B at a higher price, then B makes his mortgage payments by “selling” it back to the guy who doesn’t have his name on any sales documents. The parties involved swear up and down that it’s perfectly legitimate. All I know is that I’d be sweating an awful lot if I were one of the “B”s like they describe in the story with a million dollars in mortgages, trusting that I’ll be able to make the payments each month solely on the basis that the fellow who arranged the deal was a “really good guy.”
Medical pricing
The Indiana Law Blog cites to a New York Times article about negotiating medical prices. “[M]edical care is often priced with the same maddening, arbitrary opacity as airline seats and hotel rooms.” The uninsured get charged the full sticker price. It’s very difficult to know what a medical procedure will cost before agreeing to get it done, and it’s very tough to determine what the fair market value of the procedure actually is.
HB 1308 – Local review of confined feeding operations
House Bill 1308 Rep. Cheatham. Local review of confined feeding operations. Allows the department of environmental management to approve the construction after May 10, 2007, of a confined feeding operation only if the construction has been approved by the local health department and the local zoning authority. Establishes the procedure for local approval, including an appeal to the county executive of an approval or denial.
Passed 56 to 41.
[tags]HB1308-2007, CAFOs[/tags]
HB 1177 – Loss of office due to delinquent child support
House Bill 1177 Loss of office due to delinquent child support. Rep. Dvorak. Requires a state or local government officeholder who has been subject to a judgment: (1) of at least $15,000 for delinquent child support payments; and (2) for more than 30 days; to be removed from office. Passed the House 92 to 2. The two nay votes were Rep. Vernon Smith and Rep. Vanessa Summers.
This bill arises out of the case of Roseland City Council member David Snyder. Snyder was prosecuted by Rep. Ryan Dvorak’s father, St. Joseph County Prosecutor Michael Dvorak. Michael’s wife and Ryan’s mother is apparently in charge of child support collections for the county. David Snyder’s current wife apparently ran against Ryan in the Democratic primary for the state representative seat. Snyder was about $90,000 in arrears for child support payments for his two teenage sons in Texas. Snyder had his real estate license yanked for his transgressions.
Some South Bend Tribune stories on the saga here, and here.
The law seems reasonable generally, my reservations with respect to laws introduced for particular cases notwithstanding. But, the Dvoraks’ frustrations with Mr. Snyder really resonate with me based on the facts described in the South Bend Tribune stories linked above. I’m a debt collector, so my tendency is to identify with creditors. However, I am perfectly aware that life gets out of hand sometimes and folks get into financial messes they can’t get out of. I work with folks who are at least making an effort to pay their debts. Some debt collectors immediately go the brass knuckle route. I generally have more success treating people with respect and trying to reach a reasonable accommodation.
But some people just don’t get it. They are obstinate. They aren’t going to pay their debt, and they don’t care what a court has to say about it. Nothing gets my hackles up faster than someone telling me what they will or won’t pay. Tell me sweet lies about how you’re really trying, you’re really sorry, but you just got into a jam and really, you’re going to pay next month. But make the lies plausible, make an effort to pay, and above all, do not tell me that you’re not going to pay, and I can’t make you. Because if you do that, I’m going to bring as much of the heavy handed mechanisms of the law to bear as I can to collect the debt. And when I suspend your license for damages from your uninsured auto accident, I’m not going to be moved by your lamentations that you can’t get to work without a license. I’m not going to care that garnishing 25% of your take home pay doesn’t allow you to pay your other bills. If you got to that point, it’s because you didn’t pay the original creditor, you didn’t work out a plan with the collection agency, you didn’t work out a payment plan when I sent you an initial demand, you didn’t work out a payment plan when I filed a lawsuit, you didn’t work out a payment plan when I got a judgment against you, and you didn’t work out a payment plan when I filed the first proceeding supplemental.
So that’s where my head is when I read the South Bend Tribune’s article about Sanders being $90,000 in arrears and then complaining about “debtor’s prisons” and the Dvoraks after his real estate license got suspended. If the situation has gotten this far, at some point, you have to look into a mirror.
[tags]HB1177-2007, debt collection[/tags]
HB 1047 – Disclosure of employer health care spending
House Bill 1047 HB 1047 – Disclosure of health care spending. Rep. Dickinson. Passed the House on Third Reading 51 to 46 along party lines.
Now here is a really interesting bill. It requires an applicant for or a recipient of medical assistance from the state to disclose the person’s employer or the employer of a person who provides them with support. If a particular employer gets listed on by 50 or more recipients of state medical assistance, the Family and Social Services Administration (FSSA) has to include the employer in a report to the legislative council, along with information about how many of the employer’s employees are relying on state medical assistance and how much that assistance costs the state. In addition, an employer with more than 1,000 employees is required to disclose to the Department of Labor the total dollar amount the employer spent on health care benefits for employees during the previous calendar year, the percentage of the payroll spent on health care benefits, and the average amount spent per employee.
To me, the part of the bill seeking to identify the employers of recipients getting state medical assistance is more interesting than the health care expenditures of large employers. What percentage of people in Indiana work for an employer with over 1,000 employees? Will such reporting tell us much about health care for Hoosier workers generally?
But, identifying employers who, for whatever reason, have a non-trivial number of employees or employee families who still need medical assistance should tell us quite a bit about how beneficial a particular kind of job is to the community generally. For example, this sort of information could be useful when state or local government is deciding whether it is getting its money’s worth out of an incentive package.
Of course, it’s something of a band-aid for the larger problem. I don’t think it makes much sense for health care to be tied to employment in any case.
[tags]HB1047-2007, health care[/tags]
Book Meme
Swiped from Lemming’s Progress.
Bold = books you’ve read
italics = books you wouldn’t touch with a ten foot pole or wish you hadn’t.
1. The Davinci Code (Dan Brown)
2. Pride and Prejudice (Jane Austen)
3.To Kill A Mockingbird (Harper Lee)
(I have a daughter named Harper Lee Masson, if that tells you anything.)
4. Gone With The Wind (Margaret Mitchell)
5. The Lord of the Rings: Return of the King (Tolkien)
6. The Lord of the Rings: Fellowship of the Ring (Tolkien)
7. The Lord of the Rings: Two Towers (Tolkien)
(I was a huge Tolkien fan. When the movies came out, I couldn’t believe how much detail I remembered from the books, seared into my memory from multiple readings, mostly as a teen.)
8. Anne of Green Gables (L.M. Montgomery)
9. Outlander (Diana Gabaldon)
10. A Fine Balance (Rohinton Mistry)
11. Harry Potter and the Goblet of Fire (Rowling)
12. Angels and Demons (Dan Brown)
13.Harry Potter and the Order of the Phoenix (Rowling)
14. A Prayer for Owen Meany (John Irving)
15. Memoirs of a Geisha (Arthur Golden)
16. Harry Potter and the Philosopher’s Stone (Rowling)
17. Fall on Your Knees(Ann-Marie MacDonald)
18. The Stand (Stephen King)
(I read this one in something like 2 days one college summer. I know I read one day from about 10 a.m. until 4 a.m.)
19. Harry Potter and the Prisoner of Azkaban (Rowling)
20. Jane Eyre (Charlotte Bronte)
21. The Hobbit (Tolkien)
22. The Catcher in the Rye (J.D. Salinger)
(I know this one is supposed to be a classic, but to me it was basically “Holden Caulfield is a whiny little brat. The end.”)
23. Little Women (Louisa May Alcott)
24. The Lovely Bones (Alice Sebold)
25. Life of Pi (Yann Martel)
26. The Hitchhiker’s Guide to the Galaxy (Douglas Adams)
[Read more…]
What’s so funny about peace, love, and understanding?
For whatever reason, an Elvis Costello lyric jumped to mind when I read, Bil Browning’s post entitled The politics of personal destruction. Following his leadership of a protest against SJR 7 which would amend the Constitution to prevent gay marriage and limit the potential rights of non-married couples, Bil was subjected to some troubling responses: Phone calls to his unlisted number telling him he was a sinner, he was going to burn in hell, and he should be run out of town. That, and someone busted out the window of his car in a way that looks a lot like it’s related to his advocacy for gay rights.
It’s this kind of thing that ratchets up my interest in gay rights. As a policy matter, I know what I think. But, I have no real visceral interest in the subject because it doesn’t really affect me much. But when a guy like Bil gets harrassed personally and privately for advocating his political views publicly, it puts a much less abstract face on the whole debate. Hang in there Bil.
Technorati Tags: SJR7-2007, civil rights
HB 1074 – Earned income tax credit
House Bill 1074 Earned income tax credit. Rep. Day. Repeals the expiration date (currently December 31, 2011) for the earned income tax credit, and increases the credit to 9% (from 6%) of the federal earned income tax credit. This bill passed 83 to 17.
Technorati Tags: HB1074-2007, taxation
HB 1044 – Purple Heart Plates
The House unanimously passed House Bill 1044 amending the provisions related to the Purple Heart license plate. First of all, my obligatory comment that the legislature spends far too much time on license plates. I think there are 30 of them at this point.
This bill will expand eligibility to motorcycles in addition to passenger motor vehicles. It also makes an interesting change to the people who are eligible. Currently, an individual is eligible if “the person has received a Purple Heart decoration that is awarded to a person who suffers an injury while serving as a member of the armed forces of the United States.” Under the new law, eligibility would be limited to “an individual who has received a Purple Heart decoration that is awarded to an individual who is wounded in action against an enemy of the United States or as a result of an act of an enemy of the United States if the wound necessitates treatment by a medical officer.”
I don’t know whether, under this definition and under the military’s Purple Heart rules, there are those who have been awarded a Purple Heart who will be ineligible. To me, the way to draft the statute would be to say that an individual who has received a Purple Heart is eligible for the license plate, and leave it at that.
[tags]HB1044-2007, license plates[/tags]
Old news
I’ve been a slow poster lately, mostly due to work raising its ugly head — it’s a damn shame I’m forced to make a living instead of being a Man of Leisure, but that’s the way it goes. Be that as it may, I caught the story of a classless move by Rep. Craig Fry with respect to the passage of the budget bill.
Apparently, he used the fact that House Republicans would not vote for the budget bill and the Democrats slim majority to essentially extort an additional $2 million for a school district in his area. If that’s not how the deal went down, I’d certainly welcome a correction.
A short-sighted view might call this shrewd politics or zealous advocacy on behalf of his district. But, ultimately, we all lose with this kind of free-riding negotiation. It’s kind of like the property owner who knows the highway is going through his yard, that all his neighbors have sold, and decides to extract excessive windfall profits from the public. That property owner’s negotiating position isn’t so good because of something valuable he has contributed, but only because he waited around long enough. So, he gets a windfall well beyond the value of what he’s giving, and the public loses. The next time a project is contemplated, it has more trouble going forward because even more people will want to be paid off as the hold out.
I don’t see any good that can come from Fry’s move. He looks bad. The Democrats who paid him off look bad. The Senate will almost certainly remove the $2 million from their version of the bill. If Fry’s gonna get his, the rest of the House Democrats might start asking why they shouldn’t hold out for theirs.
Like I said, my opinion here is based on the facts described above. If something different was going on, I’d sure like to know about it.
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