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Friday, January 29, 2021

Pandemic Thoughts

It hit me this morning that one year ago today, I was in Bangalore accompanying a new customer on a tour. The night of the 29th, we were sitting in a gorgeous outdoor restaurant, drinking craft beer (a new concept in India) and talking about coronavirus.Yes, it was still January and we were fully aware of the potential danger and already talking about the potential for sending people to work from home (in the US) for a period of time.

My customer had routed their flights through Hong Kong to get the airline and schedule they wanted and by the end of the trip, their travel department had changed their flights home to go through London. We laughed about them having come in via China, but it was nervous laughter.

It has never been unusual in international airports to see people wearing facemasks.It has been a common practice in a number of Asian countries. But as I was going through customs in Mumbai on the way home, I saw a definite increase in mask wearing. This was still the first week of February.

When I landed in New York, I zipped through customs in no time at all (Thank you, Global Entry Program!) but I did see people being pulled out for questioning and their temperature taking by TSA. I assumed it was people coming in from China. I was surprised even then that the TSA folks were not masked. Again, this was still the first week of February.

All this is to say that this was not a goddamn surprise. Even an uninformed rube like me saw the potential for this creating serious problems in the US all the way back in January. And as we know, our government officials, including the President, knew as well and while some profited from it, they chose to hide it from the US public and continued to not only downplay it, they actively worked to discourage people from taking precautions. We don't talk about that much any more but we should. Over 400,000 (and counting) American deaths later, those deaths are on their heads.

Without looking it up on a calendar, I can tell you that the last live performance I saw was Destroyer at the Cradle on the second Wednesday of March. That Friday was the last time I went out for a beer after work, sitting down at Gizmos (the old Rathskeller) and chatting with the manager about the lockdown that was starting on Monday. The last time I ate inside a restaurant was that Saturday, when we stopped off at Sushi Bomb and sat at a bar table after stocking up on groceries, thinking that we'd keep our heads down for a few weeks and stop this thing early. Those small, normal events stand out sharply in my memory almost a year later.

Everything since then has pretty much been a blur. I tracked my grocery store visits for awhile, in case contact tracing was needed. But I've stopped being very good about that. We've gotten away for a couple of short hotel stays (room service only, wipe everything down, masks everywhere) and one glorious week at a condo in OBX last fall, but everything else has been pretty much an undifferentiated fuzz of work and... well... work.

I used to try to imagine how we would come out the other side of this. Now I frankly have no idea. It's been clear for almost a year that what was normal will likely not be normal again. What that *new* normal will look like, I haven't a clue. I realized yesterday while out for a walk that the thought of being in a crowded space anymore fills me with loathing. "Social distancing" has become the new norm and I'm not sure that, even when Covid winds down, I'm going to be in a hurry to be in close proximity to a bunch of strangers. I was usually more inclined to stay to the side or in the back at the Cradle and other clubs anyway (that stool at the back of the bar in the Cradle Back Room is MINE, dammit!). I have no idea how I'll deal next time (and there will be a next time, hopefully soon).

All of this being said, I realize how incredibly fortunate we are. We're not worried about where we're going to sleep tonight. We're not having trouble making ends meet. We're not having to go out and put ourselves at risk in order to keep working. Hell, I was mostly working from home anyway. I also recognize that all of that could change in an instant. So many people are hurting so badly from this and will continue to do so long after it is over.

So get your vaccinations. Keep your distance. Wear a fucking mask (a good one or at least 2 less-good ones doubled up). Wash those paws. And let's try to create a new normal after this that is safer, saner and more honest.


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Saturday, August 09, 2014

Be Loud! Sophie

Tonight was a pretty incredible night at the Cradle, with three bands that (sorta) played the Rhythm Alley back in our day coming together for an important cause.  As many times as I've heard Dex, he continues to amaze me and I've loved Sara's drumming since seeing her a frightening number of years ago.  The Connells were one of my favorite bands and it was wonderful to see and hear them again.  Back when we owned Rhythm Alley, Greg Stafford and I snuck off to The Cave after soundcheck for a beer which turned into 3 or 4 for me and I remember somewhat drunkenly (and accurately) telling him that I thought they were the best rock and roll band in the world.  I stand by that statement now and I think that they've gotten even better.

But none of that is what was important tonight.  What mattered was a bunch of people coming together to raise money for the Be Loud! Sophie Foundation.  You can read the story here  (and you should) but for those of you with limited attention spans, there's a gap between the way juvenile and adult cancer patients (and their families) are supported and the foundation is raising money to try to fill that gap and improve the support for adolescent and young adult cancer patients.

The show Saturday night is sold out but that doesn't stop you from supporting this worthwhile cause - please check it out and do what you can to help.

And Be Loud!



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Friday, October 11, 2013

Lies, Damn Lies and WTFs

My friend Becca reposted the following frightening note on her Facebook page and asked me to respond.  Becca is a really good project manager, which means her job is to get other people to do work, so here goes.  :)

The horror story is this:

From a friend, PAY CLOSE ATTENTION...posted on the Obamacare website today "I actually made it through this morning at 8:00 A.M. I have a preexisting condition(Type 1 Diabetes) and my income base was 45K-55K annually I chose tier 2 "Silver Plan" and my monthly premiums came out to $597.00 with $13,988 yearly deductible!!! There is NO POSSIBLE way that I can afford this so I "opt-out" and chose to continue along with no insurance. I received an email tonight at 5:00 P.M. informing me that my fine would be $4,037 and could be attached to my yearly income tax return. Then you make it to the "REPERCUSSIONS PORTION" for "non-payment" of yearly fine. First, your drivers license will be suspended until paid, and if you go 24 consecutive months with "Non-Payment" and you happen to be a home owner, you will have a federal tax lien placed on your home. You can agree to give your bank information so that they can easy "Automatically withdraw" your "penalties" weekly, bi-weekly or monthly! This by no means is "Free" or even "Affordable.

Wow, that would be horrible...  if it were remotely true.  But without even resorting to Snopes.com, let's take a look at this.

Let's start with the IRS-will-do-horrible-things-to-you email.  The reality is that fines for not purchasing insurance max at $95 per person or 1% of family income (whichever is greater) in 2014.  Income is defined as the amount OVER the filing threshold ($10K) so the max fine for this mythical person would be $400 (assuming the middle of the income range they stated), not $4000.  And the fact is that the IRS has very little leverage to collect those fines.  Your driver's license will not be suspended (that doesn't even make sense as they're issued by states, not the Fed), your wages will not be garnished, your home will not be taken away - NONE of that can happen.  The only things the IRS can do is withhold the fine from your tax refund IF you get a refund and the note is correct that they can put a lien on your home (doesn't mean they can take your house, just means you have to pay the fines if/when you sell).  So, part bullshit and part scary-sounding stuff.  More details here.

So what about the cost of the insurance itself?  Certainly sounds like a damn high monthly premium for crap insurance (Silver is the next lowest of the four tiers of ACA-approved coverage).  But the best I can tell, the highest monthly premium for a single person is $342 (happens to be in Wyoming) so roughly half what this mythical person states.  See here.  And the worst deductible I could find for the Silver plan was $3000, not $14,000.  See here.  $3000 is still pretty high but the idea of the lower-cost plans is to keep a major injury or illness from bankrupting you or your family.  And they still cover doctor visits with $40-$60 copays - high compared to my company-provided coverage but better than paying the full cost of an office visit.  Again, assuming this mythical person has no kids or dependents, they're likely just about at the threshold for receiving any subsidies, but I'm not positive about that as some of their income may be exempt from those calculations - it's possible they'd receive some help in paying their premiums.

The oddest thing about this though is the note about a pre-existing condition.  Without the ACA, this mythical person would likely be unable to purchase insurance at any price or at best case they might find something that cost them more than the $600 month/$14K deductible they're complaining about.  So a real person in this situation would likely be quite happy with the opportunity to purchase health insurance that the ACA affords.

I'm not an expert in the ACA since I do have company-provided coverage, so you guys feel free to correct anything I've gotten wrong here.  Or check Snopes for me - I'm too lazy.  :-D


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