Yes, It's Over
The Market Ticker - Commentary on The Capital Markets
2017-07-29 07:00 by Karl Denninger
in Musings , 3106 references Ignore this thread
Yes, It's Over
[Comments enabled]  

The GOP-led Senate "decided" by one vote (John McCain's, I remind you) to kill the "skinny" Obamacare repeal bill.

This, after McCain said he'd vote for it if he got an assurance from Paul Ryan that the bill would go to conference and not simply be passed as-is and sent to Trump.  Paul Ryan gave him that assurance, and then he voted "No" anyway.

I remind you that John McCain does not have to live with the results of Obamacare.  He never did.  Nor did anyone else in the House or Senate, because despite a provision being inserted into the original Bill that forced Congress to live under Obamacare's rules President Obama directed OPM to illegally subsidize members' insurance and their staff.  He had no legal authority to do that but he did it anyway.

I also remind you that President Trump has not rescinded this unlawful order.

Never mind that McCain is going to be dead within a year or so anyway; that's reality given his condition.  And frankly, given what he and the rest of Congress have done with regard to Health Care over the last three decades I will not be sad when he goes.  In fact I may drink a couple of celebratory adult beverages.

You don't want to face facts, but you damn well need to America.

Health care is literally one dollar in five (ok, within spitting distance) of all spending in our economy today.  It employs millions, but nearly all of them do not provide any care to anyone.  That is, most employment in "health care" is administrative and purely parasitic.  It is the growth industry today and has been for the last decade.  It is the only growth industry today in the United States that has been consistent and has added 10 administrators for every doctor or nurse!

That state exists because you have been made deliberately ill.

On purpose.

Starting in the 1970s and 80s you were told to eat carbohydrates.  The so-called "food pyramid" was an outright fraud, telling you to eat refined grain products above all else.  These products are identical in form and substance to what a farmer feeds a cow or pig to make it fat before slaughtering it!

Now if you're going to slaughter said cow or pig that might be ok.  But you're a human and we're not going to eat you.  Well, not yet anyway.  That same "getting fat" thing also makes you sick over time.  It causes Type II diabetes, heart disease, strokes and all other manner of malfunction.  The extra 100lbs destroys your joints, especially your hips and knees.  It makes you reliant on motor vehicles for transport because you can't comfortably walk the length of a parking lot, say much less anywhere else -- or ride a bicycle (which, incidentally, is the most-efficient, on an energy expended per pound-mile moved basis, device for such a purpose ever invented.)

What's worse is that the same "food pyramid" pushers also told you to get the saturated fats out of your diet and replace them with vegetable oils.  Those oils, unfortunately, have a very bad fatty-acid balance problem which greatly promotes inflammation in your body.  Inflammation is something you're all familiar with -- if you stick yourself with a thorn or splinter, or get stung by a bee, you see it right there in front of you.  When you promote that on a systemic basis that same sort of response also happens in your arteries, which makes for serious trouble and further adds to the damage that results in strokes and heart attacks.

Rather than tell you to stop eating carbs and get the damned vegetable oils out of your diet the medical system sells you pills, procedures and hip replacement surgeries.  70% of the population in America today, which I remind you includes babiesis taking at least one prescription medication.

This "system" has been the "replacement" for manufacturing and even computer programming, which we have shipped overseas to China and India.  Rather than stop the fleecing of America and the raw******of the land, water and air that those "manufacturers" commit there and abuse to ship products back here for sale we pat everyone on the back for "cost efficiency" in their acquisition of iFrauds and Spamdroids while hiring more health administrators to make sure every last ******ned nickel is siphoned off by a "medical system" that is 10x the size and cost of what it needs to be and which has been made that large on purpose -- after you were made sick on purpose.

Donald Trump knows this; he's run a company for decades and has seen it develop in front of him.  The House "Freedom Caucus" knows this; they presided over it.  When I met with a bunch of Senate Staffers several years ago they all admitted they knew this and further they also admitted that they knew that the growth rate being experienced and what was happening to government-run sections of medical care would, with certainty, bankrupt the country and government.  They also admitted that they knew that if they took it on they ran the risk of losing the next election and thus were going to do nothing -- intentionally -- to resolve it.

They admitted all of this to me folks.  No, I didn't have a recorder going; I don't play 'gotcha' in that fashion.  But there was also no agreement not to talk about the meeting, so reporting on it, which I did at the time and have repeatedly since, is fair game.

When Obamacare passed and the mandates kicked in I wrote right here that I refused to play that game.  For more than 10 years I had bought a private health insurance policy for myself and my daughter; a "skinny" policy that was actual insurance against a catastrophe.

When Obamacare passed I made a decision.  I decided that I wasn't going to play the "health care" game.  At all.  I did my research, I found that the government's recommendations for eating were crap, that they were likely responsible in large part for my expanding waistline and thus I cut nearly all carbohydrates and all vegetable oils out of what I ate.  I also took up (again) running, although that was more for the cardio benefit than for weight control -- I did not expect running to materially improve my body mass, and it hasn't.

I was not diabetic but I was certainly headed there.  I, like most of the rest of middle-aged America, was letting the belt out one notch at a time.  Given the statistics today I was certainly metabolically compromised and was probably odds-on to become diabetic.

Not any more; I went from a 36" waist to a 30" in nine months, lost ~60lbs and went from hating physical exertion to getting off on it.  The running didn't have anything to do with the weight loss either; I logged all of the exercise and have the data -- at most it can be credited with 20 of the 60lbs I lost and that assumes that the physical exertion did not make me more-hungry, which is almost-certainly false.  In other words if I had not taken up running I probably would have lost the same 60lbs and would have certainly lost 40 of them, along with obtaining nearly all or all of the metabolic benefit.  As it turns out while it originally felt like hell today I like running; it gets me high and it has no negative side effects -- the side effects are all good instead of bad.

My fasting glucose, A1c and blood pressure are normal. I cannot drive my blood glucose materially over 110 even under deliberate attempt.  Of course that's because as a rule I don't eat that crap any more at all.  Yes, it took years of doing the right thing to "undo" the metabolic damage, although the weight came off a lot faster than that, and no, I can't go back to doing the bad things either.  It's a lifestyle change you have to make folks, not a diet.

But if you think you need to take up vigorous exercise to make this work -- you're wrong.

What you do have to do is get the fast carbs and vegetable oils out your diet.

The social effects were even more-profound than the change in my body size and metabolic health.  Plenty of people who saw me drop pant sizes like many 20 year olds drop girlfriends asked -- repeatedly -- if I was dying. I can't count how many people asked me if I had cancer or some other awful disease.  When I told them that I was not going to pay either in my health or my money for either my own stupidity in what I ate nor was I going to subsidize anyone else who chooses to be fat, diabetic and will need both a double hip replacement and back surgery before their 60th birthday the response was nearly-universal -- and negative.

You see, a fair percentage of the people around here as with everywhere in the country are.... big surprise.... employed in that part of the "economy" and my declaration that I refuse to pay them either directly or via subsidy to others means they might lose their jobs.

In short, they love the system as it exists today and because I called them on it, even if softly, they stopped liking me.

Tough ****.

I meant it then and still do.  I took what was a six-figure a year income and cut it way back -- voluntarily -- so as to stay under the income as a single person where the Obamacare subsidies started to phase out.  I carefully chose my plan every year not for its value (since I expect to use and in fact have used zero "covered" health care) but rather for how much I could get with the maximum subsidy and zero out of pocket premium, effectively eliminating the ability of the system to steal those funds from me.  I've managed to get very close to zero for the last couple of years.  Since I no longer have anywhere near a six-figure income I have also voluntarily ditched a lot of expensive lifestyle choices -- out went the boats, I've "downshifted" my travel lodging arrangements (as it turns out I would rather sleep in a tent or hike somewhere that the cost is zero anyway!) and most-importantly I've dramatically increased my available time.

If this helps put a few marinas, boat dealers and supply firms out of business too tough **** -- they made their beds with the scammers and now they get to lie in it.  I'll be happy to go back to earning and spending when all of those who would like to enjoy the fruits of my labor as I expend them get off their ass and put a stop to the scams -- and not one second before.

A big part of why this worked of course is that in 2000 I moved out of Chitcago and to a place that has a much lower embedded cost of living via taxes, fees and similar.  My real estate taxes are a quarter or less of what they'd be there for a home of equivalent value.  I don't pay $3/gallon for gasoline, unlike in "Rahm's Paradise."  I don't pay a 10% sales tax and I don't deal with "car stickers" to be able to park on the street, nor $2/hour meters and similar horse**** just to get around.  My food bill has gone down materially as well but I eat real well; nobody starves around here.  While I have a nasty A/C bill a good part of the year my heat bill is near zero.

In the next year or two I will make a second move to somewhere with dramatically lower minimum household operating costs.  Yep, I'm done here.  Not because it's ridiculously high in cost but because I can do better, and frankly if the people won't stand up and put a stop to the scam then I know what's coming and it's going to be really, really bad.  You can't keep extracting money like this while destroying the productive capacity of the people by making them sick, effectively becoming an "economy" that exists for the express purpose of making people ill and then robbing them both of their health and their money.

Eventually you run out of money to rob as all the people who used to be productive are either sick, addicted or worse -- and they don't produce anything.  Without people to pull the cart up the hill it will eventually stop and then roll backward over the top of everyone.

The GOP has no desire to fix this because they know that if they do the immediate impact will be a deep but short recession akin to 1920/21.  The Democrats know this too.  The people know damn well that plenty of them will temporarily lose their jobs and thus they won't demand it either, even though if they don't in just a few short years they're going to lose those jobs anyway and there will be no replacements in that case because the government will be unable to fund itself.

You've had plenty of warning folks, and now you've seen that both sides of the aisle are conspiring against you.  They're not interested in your access to healthall you ever hear is about health insurance.

The price of insuring something is always and everywhere simply a function of what the thing you're insuring against costs if it happens times the probability of it happening.  If the bad things has already happened then it is never cheaper to pay someone as a middleman to handle the money; nobody works for free.

If you want health insurance to be inexpensive you must reduce the probability of the bad thing happening and reduce the cost of the bad thing when it happens.

The former means telling people the truth about what the government has done to you with regard to "dietary advice" and stringing up every single so-called "physician" that continues to tell people to eat things that actively make them sick or prescribes pills where changing what one eats will have an equal or better impact.  We spend an estimated four hundred billion a year between Medicare and Medicaid, about 25% of the total, on just one disease where this is true (Type II diabetes and its complications.)

We could balance the budget tomorrow if we cut that **** out and the improvement in people's lives and financial state would be enormous.  Instead we literally keep them sick on purpose, steal all their money and then watch them die in agony as their feet are cut off, they go blind and ultimately their kidneys fail with the side effects of dialysis killing them.

Solving the problem also means breaking all of the price-fixing, the price protection and discriminatory pricing practices in the medical field top to bottom.  These practices are not only largely illegal under 100 year old law the medical and insurance industry has twice been to the US Supreme Court to try to get them ruled lawful and lost both times.  Yet we have exactly zero state or federal prosecutors who have or will indict anyone over this conduct.  That must stop now and we could start with this one-sentence bill to de-fang the extortionate "health insurance" business in a single day.

But it won't.

It won't because you won't make it stop.

It won't because the Congress and Trump won't make it stop either, despite it being within Trump's power to do so unilaterally even if Congress refuses, as the Executive has the power to enforce existing law all on its own.

And it won't because given the proof that neither Trump or Congress will do a thing, nor will a single prosecutor bring charges under 100+ year old lawyou, America, will not demand and enforce the demand that all of the above do their damn jobs.

Go to responses (registration required to post)
 
Main Navigation
MUST-READ Selection:
A One-Sentence Bill To Force The Health-Care Issue

Full-Text Search & Archives
Archive Access
Legal Disclaimer

The content on this site is provided without any warranty, express or implied. All opinions expressed on this site are those of the author and may contain errors or omissions.

NO MATERIAL HERE CONSTITUTES "INVESTMENT ADVICE" NOR IS IT A RECOMMENDATION TO BUY OR SELL ANY FINANCIAL INSTRUMENT, INCLUDING BUT NOT LIMITED TO STOCKS, OPTIONS, BONDS OR FUTURES.

The author may have a position in any company or security mentioned herein. Actions you undertake as a consequence of any analysis, opinion or advertisement on this site are your sole responsibility.

Market charts, when present, used with permission of TD Ameritrade/ThinkOrSwim Inc. Neither TD Ameritrade or ThinkOrSwim have reviewed, approved or disapproved any content herein.

The Market Ticker content may be sent unmodified to lawmakers via print or electronic means or excerpted online for non-commercial purposes provided full attribution is given and the original article source is linked to. Please contact Karl Denninger for reprint permission in other media, to republish full articles, or for any commercial use (which includes any site where advertising is displayed.)

Submissions or tips on matters of economic or political interest may be sent "over the transom" to The Editor at any time. To be considered for publication your submission must include full and correct contact information and be related to an economic or political matter of the day. All submissions become the property of The Market Ticker.

 
Comments.......
User: Not logged on
Login Register Top Blog Top Blog Topics FAQ
Showing Page 1 of 3  First123Last
User Info Yes, It's Over in forum [Market-Ticker]
Flappingeagle
Posts: 2643
Incept: 2011-04-14

Report This As A Bad Post Add To Your Ignored User List
Quote:
In the next year or two I will make a second move to somewhere with dramatically lower minimum household operating costs...


I am starting to do my research on how to build a very low energy house in the southeast for cheap day-to-day living. I know I can use solar for heating the house and hot water with no problem, I am checking into how I can use as little energy as possible for cooling.

Flap

----------
Here are my predictions for everyone to see:
S&P 500 at 320, DOW at 2200, Gold $300/oz, and Corn $2/bu.
No sign that housing, equities, or farmland are in a bubble- Yellen 11/14/13
Trying to leave the Rat Race to the rats...
Tickerguy
Posts: 149446
Incept: 2007-06-26
A True American Patriot!
Report This As A Bad Post Add To Your Ignored User List
That is mostly a design and insulation problem.

You need long eaves to keep the sun off the sidewalls of the house, modest window area (windows, even really expensive ones, are TERRIBLE insulators) and then 2x6 framing in the exterior walls so you can adequately insulate them, or ICF construction which has the insulation already present at the wall level.

----------
Winding it down.
Supertruckertom
Posts: 1373
Incept: 2010-11-07

USA
Report This As A Bad Post Add To Your Ignored User List
They intentionally steered inward towards the Event Horizon.

Appalachia, Ozarks, Dakotas for USA destinations.
Chile is the only place Spanish speaking in the Western Hemisphere I would consider.
Iceland, New Zealand and maybe Ireland.
Perhaps the East Coast of the Adriatic and the more Nationalist former Eastern Block Nations, Poland, Hungary, Slovenia, Slovakia, Czech Republic, Croatia. Switzerland, Finland and Serbia complete my list.

Any thoughts on Malta?


I figured many of your road trips were for scouting out a retreat.
Good luck in your move Karl.

I will be in Dillard viewing the Eclipse with family.
The Foxfire Museum is pretty nice.
The Foxfire books were probably the beginning of the cultural preservation, survival, prepper folk skills movement.




----------
Preparing to go Hunting.
Flappingeagle
Posts: 2643
Incept: 2011-04-14

Report This As A Bad Post Add To Your Ignored User List
The 2x6 construction just does not do it. I am think some version of a 2x10 plate with staggered stud 2x4s so as to minimize the amount of wood that connects from outside to inside.

Another idea that I am kicking around is to use two double-pane insulated windows. I would have a window on the outside like normal, say a two inch gap, and then another window. It's a funky idea I know. You are right on the large overhang and I would minimize windows with a southern facing.

I would love to be able to cool a 1700 sq ft house with a 10,000 btu ac. I don't know it that's anywhere near possible or not.

My other idea is to use a solar power pump on my well and put my water tank 40' in the air and use gravity to generate water pressure when needed. The would give my about 28 psi max, which would be low but still useable.

Going a totally different route I could build underground with my exterior exposure being to the north but I don't think I want to do that.

Flap

----------
Here are my predictions for everyone to see:
S&P 500 at 320, DOW at 2200, Gold $300/oz, and Corn $2/bu.
No sign that housing, equities, or farmland are in a bubble- Yellen 11/14/13
Trying to leave the Rat Race to the rats...
Dcsleeper
Posts: 374
Incept: 2012-10-11

Northern VA
Report This As A Bad Post Add To Your Ignored User List
We're fixing to bug out soon as well.
Looking hard at the cheapest possible, defensible POS out there.
Foxfire ftw.
Tickerguy
Posts: 149446
Incept: 2007-06-26
A True American Patriot!
Report This As A Bad Post Add To Your Ignored User List
Quote:
The 2x6 construction just does not do it. I am think some version of a 2x10 plate with staggered stud 2x4s so as to minimize the amount of wood that connects from outside to inside.

That might work. ICF works too, and well -- but it's not cheap. It is damn bomb proof though.
Quote:
Another idea that I am kicking around is to use two double-pane insulated windows. I would have a window on the outside like normal, say a two inch gap, and then another window. It's a funky idea I know.

Remember that in the south at least it's not just conductive and radiative losses it's also heat GAIN through those windows in the daytime.
Quote:
You are right on the large overhang and I would minimize windows with a southern facing.

Yep. Another interesting possibility, if you can figure out the loading issues (so you don't lose the roof structure in a storm!) is to run solar hot water collectors on the roof and have a modest air gap on the bottom. That would dramatically reduce the amount of heat gain in the attic against which you need to insulate. It gets tricky to do that while code compliant and safe however; the problem is that if anything burning gets into the gap and either side is combustible you're instantly ****ed and there's no way to put it out.

One of the monstrous issues in the south when it comes to keeping a house cool is heat gain through the roofing system. The more square footage exposed to the sun, obviously, the worse it is. Of course insulation works but the thermal differential between the living space and the attic is utterly stupid during the daytime hours in the summer here.

----------
Winding it down.

Bagbalm
Posts: 5265
Incept: 2009-03-19

Just North of Detroit
Report This As A Bad Post Add To Your Ignored User List
My dad when alive owned a former 1800's inn that was a stage coach stop he used as a furniture store in Ohio. It had living quarters in the back and they used those in the summer when not traveling (not that much).
It was built of massive 16" square oak beams over the basement and field stone walls about two foot thick. Ir had fairly small windows but the opening through the stone was tapered to each side giving you more light.
It was never oppressively hot in the summer. With that much mass it was almost like being earth sheltered.
Whitehat
Posts: 98
Incept: 2017-06-27

New York City
Report This As A Bad Post Add To Your Ignored User List
You can get away with thinner walls such as the 2x4 standard if you address the heat bridge effect with insulation board. In my experience in the four season climate the elimination of drafts and excessive uncontrolled air infiltration was more important than in the wall insulation. Of course if you are building, it makes sense to use 2x6 from the start, but if you are in a four season climate, have a foam board under the interior wall board. In this situation you have to be careful what you do outside so as not to create a second vapor barrier. A house wrap is advisable, but no foam board under the siding. And, don't exterior sheet with gypsum boards; it is a sucky way to do things. In hot climates, you move your vapor barrier to the outside wall. In my house which is older, the decision was made to housewrap over the original 1x sheeting boards, then install one inch closed cell foam boards and use a siding product that had a one inch foam core.

You can insulate your attic for hot and cold using foam boards installed between the rafters leaving a gap between the sheeting and the boards. Some foil face the side facing the roof, but i find this unnecessary. Vents are installed in the soffits and a roof ridge vent is installed. Then foam boards are run crosswise over the rafter for the heat bridge effect. It is important that everything be air-tight. Any vertical attic walls such as gable ends should be spray foamed. I recommend some sort of loose fill in the attic floor with this system, non-fiberglass.

Doing the above, my unheated attic is at least 65 degrees on the coldest winter days and never hotter than it is outside in the summer, most times cooler without ventilation or open windows. A big part of winter comfort is the attic not being drafty as this causes a chimney effect which pulls drafts in to the house. Insulation blanket material is not a good air-infiltration prevention; it's purpose is to increase surface area and entrapped air in its substance. Fiberglass, being glass is a poor heat conductor. There is one thing to consider as there has been talk about this being consider a health hazard, the next asbestos. Since it is not the best for making a draft free attic and there might be this concern, use it where it is enclosed, a resale issue.

it is a long discussion, but positioning of the house and design are climate dependent. Ideally you want your house to maximize the benefit of when the sun is lower in the sky in the winter and be protected from the sun when it is higher in the summer. Porches and overhangs fulfill this purpose in the summer, however they must be constructed and strapped to anticipate snow loading and windstorm issues.

Air flow is another issue. During hot weather or in a hot climate does the house stay cool to a significant degree without needing the AC. This means that the AC does not have to be on as much or as powerful. When you do not need much cooling capacity, you can design for efficiency. My unit actually has a different jet in the expansion valve for this purpose. I really only have to run it for a few hours at night to cool the bedrooms prior to sleep and then it is off. Maybe for the hot part of the day during three or four heat waves that we get during the summer. the downstairs stays cool for the most part. This saves an astonishing amount of money and for anyone looking to be somewhat remote or off grid, anything that your house can passively do is a major consideration. If it was not for the normal urban noise or the desire to get away from the summer pollution in an urban area, i could probably sleep with the windows open even more. You need to have a durable, easy to maintain almost passive house in these times and for overall independence.

----------
There are two ways to be rich: One is by acquiring much, and the other is by desiring little.
Supertruckertom
Posts: 1373
Incept: 2010-11-07

USA
Report This As A Bad Post Add To Your Ignored User List
Hebel AG used to have a factory producing Aerated Autoclaved Concrete blocks and panels in Adel, GA off of I-75 Exit 37.
Amazing stuff.
It never caught on here except for some commercial projects and very high end homes.

Very DIY friendly though because of the light weight of the block and the thin set mortar.


Appears they have been acquired.

https://www.xella.com/en/portrait.php

----------
Preparing to go Hunting.
Flappingeagle
Posts: 2643
Incept: 2011-04-14

Report This As A Bad Post Add To Your Ignored User List
There's a LOT to consider, that's why I've started gathering all the ideas I can many years in advance. Once you build a house it's impossible to go back and make substantial changes short of bulldozing it and starting over.

I am giving ICF a hard look for both the insulation value and the safety. 2" of foam on the outside of an ICF wall would give both high R-value and great thermal mass for constant temperature. As for the attic/roof, I've thought about insulating both the underside of the roof and the ceiling itself.

Then there is my crazy idea, build a roof over the house that is separate from the house itself, which has another roof as well. It would be somewhat like building a house underneath a pole barn. You would get light and airflow from the sides but no direct sunshine or rain on the house.

Ideas, ideas.

Flap

----------
Here are my predictions for everyone to see:
S&P 500 at 320, DOW at 2200, Gold $300/oz, and Corn $2/bu.
No sign that housing, equities, or farmland are in a bubble- Yellen 11/14/13
Trying to leave the Rat Race to the rats...
Ktrosper
Posts: 3280
Incept: 2010-04-06

ft collins co
Report This As A Bad Post Add To Your Ignored User List
Epic Ticker.

We're suffering from the "you first" syndrome. Enough of us are awake to make a difference if we acted in unison.

What we allow we condone.

As long as millions of our asses remain parked on our couches instead of DC, where we should remain until the law/equal justice under the law is restored, this will continue until we're destroyed.

History shows that we won't act until it's too late. Then all bets are off. Angry mobs aren't very discerning when it comes to choosing their targets.

----------
The unexamined life is not worth living.-Socrates
The only stable state is the one in which all men are equal before the law.-Aristotle
Liberty exists now in the spaces government has not yet chosen to occupy.-Doc Zero
I anticipate that 10 Dallas Cowboys Cheerleaders will blow me this evening.-K.D
Whitehat
Posts: 98
Incept: 2017-06-27

New York City
Report This As A Bad Post Add To Your Ignored User List
A little curious as to what Karl and the members of the forum think of this take on dropping out of the system to the greatest extent possible.

If one is in a metro area, in this case NYC, with very low property taxes and personal cost of living, is it better to stay and know that there is so much economic activity that there will always be a way to extract $15k per year from the system. Additionally, some economic areas are so central to the operation of the country or to its economic health (major real estate interests for example) that they will not be left to fall to pieces in a disordered situation. Additionally NYC in this example has virtually eliminated most of its festering impoverished communities such as you see in areas of Chicago.

The reason for this discussion is that the further you go from economic activity, the less options for earnings exist. The whole discussion concerning going off grid is interesting, however I have experience agriculturally and foraging for food. This is a major change for people and not without risk. I understand the argument that people in my situation and many other here can liberate the significant equity in their properties and move for quite a low sum. However nothing changes you like watching resources get spent over time when you cannot replenish them as quickly. For those with much more than needed for a life, this is not as much of a factor, but worth considering.

There are many other considerations, but if your metro area is going to remain stable, you might simply want to create a situation to get more out of it than it gets out of you. A concept like urban camping.

Regarding health insurance Karl, here in NYC, the Medicaid cutoff is about 18k per year earnings and 24k for the other subsidies. Otherwise a single should be about 350 per month last i checked, of course above the subsidy level the deductible goes to about 5k, why bother.

----------
There are two ways to be rich: One is by acquiring much, and the other is by desiring little.
Gable
Posts: 727
Incept: 2009-07-04

Retired in NC Mountains
Report This As A Bad Post Add To Your Ignored User List
A tip on the windows.

Find a Pella or Anderson surplus warehouse where they keep windows ordered in error or ordered but never delivered. Pella has one in Greensboro, NC (or did 10 years ago) We designed our house around what they had in stock of their top of the line windows. We paid $20K for $70K worth of windows (we have 51 windows in the house).

----------
In all of history, no government became more honest, less corrupt, or respected its citizens' rights more as it grew in size. E.L. 2016
Zoezanderland
Posts: 1
Incept: 2017-07-29

Idaho Falls
Report This As A Bad Post Add To Your Ignored User List
Please don't get angry, but I would like to know what we can do so our government makes necessary changes? Is it possible to truly get a message to the President and would it even help? What about contacting the HHS secretary Tom Price. Would that help? I'm am confused as to how we the citizens can make any difference if there aren't enough on the same page. I am asking because I am fairly new to dealing with these things and honestly have no idea what to do.
Asimov
Posts: 109430
Incept: 2007-08-26

East Tennessee Eastern Time
Report This As A Bad Post Add To Your Ignored User List
Zoe: The "government" is too invested to change. They know exactly what is going to happen - but don't want it to happen on their watch, so they push it down the road.

The media is too invested too, so getting a message out that people would listen to, especially when it goes against the narrative they've been fed their whole life, is damn near impossible.

----------
It's justifiably immoral to deal morally with an immoral entity.

Festina lente.
Vernonb
Posts: 1852
Incept: 2009-06-03

East of Sheol
Report This As A Bad Post Add To Your Ignored User List
Quote:
Hebel AG used to have a factory producing Aerated Autoclaved Concrete blocks and panels in Adel, GA off of I-75 Exit 37.
Amazing stuff.
It never caught on here except for some commercial projects and very high end homes.


Tom,
it is amazing what can be done with aerated (cellular) lightweight concrete. It has been around since the 1920s and is popular in Europe. Insulation, fire resistant, mold resistant, and strong. I'm sure it would slow/stop bullets for a while too. It is not going to act as a combustible or put out poisonous fumes especially bromine retardants in a fire. A little hydrophobic silane coating over the surface and the material becomes near water proof for life in non-abrasive conditions.

inline

Out of curiosity anyone know if there a direct correlation between thermal insulating ability and sound deadening? Looks to me like the more rigid/dense a structure the more noise it could conduct. If noise can't get in then little noise is going to get out. smiley


Ah the joys of privacy and frustrating governmental goons.....

You learn so many things on the Ticker from everyone ......

----------
"Mass intelligence does not mean intelligent masses."
Vernonb
Posts: 1852
Incept: 2009-06-03

East of Sheol
Report This As A Bad Post Add To Your Ignored User List
Dang, the home insulation discussion got me off track.

I meant to add screw McCain. This is his last act in hopes of punishing the American people for not electing him president over Oblome. He was a traitor in and deserved court martial before Vietnam and again shows his true colors and disloyalty to the people of this country and the Constitution

When he dies anyone attending his funeral should also be black-balled. Men as McStain deserve no respect. Leave his body in the open for the buzzards and worms.





----------
"Mass intelligence does not mean intelligent masses."
Tsherry
Posts: 866
Incept: 2008-12-09

Spokane WA
Report This As A Bad Post Add To Your Ignored User List
This spring we used company specializing in injecting foam into homes for additional insulation. ("Retrofoam"). Our AC runs maybe once every three hours when it's in the 90's--previously it was multiple times per hour. Air infiltration was enormous before the work--as was sound transmission. Vast improvement. Of course, our home, despite 30 years of work trying to seal, caulk, etc, was still as air tight as a screen door.

This winter will be interesting. I'm pretty sure our 1970's / early 80's Schrader wood stove will now be wildly oversized in terms of our new heat demand....which is just fine.

Als
Posts: 535
Incept: 2010-03-12

Report This As A Bad Post Add To Your Ignored User List
The thing is, this game of chicken isn't going to work for Schumer. People are wise to their game and the Democrat's are going to wear this healthcare fiasco like an albatross around their necks in 2018 and 2020.

Guys, Youtube is your friend. If you're looking at making you home more energy efficient, Karl is right the last place to put your money is in the windows unless you still have old single panes.

You don't have to break the bank saving on utilities doing the work yourself you can spread the cost over a few years by working on the low hanging fruit and hitting the areas that'll save you the most money. Things like walking around the house with a chalking gun sealing up any air gaps around windows and any wires or AC lines coming into the home. Air sealing your attic and bringing the insulation R-Value up to 49-60. Making sure the seals around you outside doors are up to snuff. Fixing any cracks in your foundation or mortar again air sealing is very important to lowering your utility bills. It's cheaper to do the above than toss out an 80% efficiency furnace for a 95% furnace or a 10-13 seer AC unit for a 15-16 Seer unit. For $20 you can get foam seals for the light switches and wall outlets on your outside walls to cut airflow out of the house. Every little bit helps you just have pic and choose what action is going to save you the most money for the least monetary output.

Look on the internet for zero net house, for some ideas about maximizing you homes efficiency.

Just don't go out and spend $2,000 to save $20 a month on your utility bills.

Last year I spent a total of $1,300 on gas and electric. My Radon Mitigation system is $120 of that. Electric base rate is $15 and the Gas base rate is $17.

My average electric bill over the year is $60 a month and the gas bill is $48 with taxes and base hook up fee.

You see the point, where is the line you draw when it comes to spending money on making your home more efficient. I spend anything more than a total of $1200-$1500 over say five years making the home more efficient, I'm in a losing proposition.
Oregoncactus
Posts: 140
Incept: 2012-01-06

Report This As A Bad Post Add To Your Ignored User List
Tickerguy wrote..
In the next year or two I will make a second move to somewhere with dramatically lower minimum household operating costs.


We are working on our property to do this as well. I appreciate all the information posted about possibilities for building a house with very low operating costs. Like Flaps, we are gathering all the ideas now so we minimize mistakes later. The research phase is huge. Our neighbor built his concrete home with solar and evaporative cooling for around $50,000. Evap cooling here in the desert saves so much money, in initial cost and monthly costs. His house was comfortable in August when the humidity is high here and evap cooling is least effective.

Quik49
Posts: 3954
Incept: 2007-12-11

Report This As A Bad Post Add To Your Ignored User List
Flap.... Building envelope is everything in energy savings for a home...regarding exterior walls...what you want is to create a thermal break at the studs-exterior...so the staggered studs is one way or also at least a 1" layer of rigid insulation over the sheathing.... double glazed windows for sure...get a U factor around 25 if you can.... I like to use staggered studs with 1" of sprayed insulation on the inside for tightness and critters then blow in insulation that is netted to stay in place. The roof is important too...if you can, bet 2" of rigid on top of the sheathing (especially if a metal roof) then blow in the cavity below. With a tight house, you want to make sure you get some air changes in there too...operable windows and there are some ventilators that will do that too.

With the above in my house, I can have a 50 degree garage when it's 10 degrees outside....good solar exposure.... Depending on location eve depth is important ...out here we want winter sun getting in ..so we go no more than 3 feet. Orient on the east-west axis to avoid those exposures that overhands do little for those sides.

----------
Long Vaseline....

Comrader
Posts: 251
Incept: 2010-06-10

pa
Report This As A Bad Post Add To Your Ignored User List
flap, my dad was a home builder from the 1940's thru the 1980"s. he always built smaller but very well built all brick homes. in the 70's with energy costs rising he started building houses with staggered 2x4 exterior walls and 2x10 top and bottom plates. he was the only one in the area to do it. i never lived in one. he felt it was more sound proof as well.
Whitehat
Posts: 98
Incept: 2017-06-27

New York City
Report This As A Bad Post Add To Your Ignored User List
@ Als,

Your logic as to costs vs benefits is excellent as well as looking at draft prevention. In my experience R-value is not half as important as draft control. Most people get hooked on a number say R-value or Seer and often how something is energy rated on those yellow appliance tags. This leads to many unnecessary purchases and often does not address the problem at the base. Where I live there are communities with raised ranches. We used to call them hot boxes. No matter the efficiency of the AC unit or how many feet of insulation in the attic or walls these houses spin their AC compressors non-stop once the temperature hits 80. This is a design problem which cannot be mitigated by efficiency improvements. these owners add two zeros to my monthly electric bill and rival the costs of people in the south. Also behavior influences a lot. Light colored blinds on the windows are closed when the sun is on that side of the house in summer and blinds are open in winter for the opposite. It was common years ago to position the house and adjust tree plantings to provide wind breaks and allow sun exposure when it was optimal and block when it was not.

Sometimes you must do things for comfort irrespective of financial benefit. My attic system will not ever pay for itself, but eliminating the drafts made the house more hygienic and comfortable on the second floor. Additionally this made a second livable space.

----------
There are two ways to be rich: One is by acquiring much, and the other is by desiring little.
Snowmizuh
Posts: 1707
Incept: 2009-03-18

Alabama
Report This As A Bad Post Add To Your Ignored User List
Gen, first time I've heard you say you're planning to bugout. No surprise if one has been reading between the lines, but a milestone nonetheless.

Appalachian or Inland NW Redoubt?
Login Register Top Blog Top Blog Topics FAQ
Showing Page 1 of 3  First123Last