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Donald Trump's Supporters More Likely To Pray Than Riot If He Loses

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SPRINGFIELD, Ohio ― At times, the closing argument of Donald Trump’s presidential campaign seems to be built around instilling paranoia in his supporters. The election may be rigged, stolen by a media complex obsessed with undermining his candidacy and by corrupt bureaucrats trying to fix the vote, Trump has warned.

This claim has intensified an already skeptical group’s dislike of the press and sparked fear among Democrats and Republicans alike that there may not be a peaceful transition of power come Nov. 8.

But at a pro-Trump rally here on Thursday, there was little indication that the Republican nominee’s passionate base of supporters were ready to take up pitchforks if the election didn’t go their way. If anything, the vast majority of them seemed emotionally prepared for the possibility that their beloved Trump would lose, scoffing at the idea that it would prompt fantasies of political revenge.

“We’ve got better character than that,” said Greg Grierson, 59. I may “go into mourning for a while,” he added, but he mostly just plans on working hard and getting on with his life.

For the more than a dozen people interviewed inside and outside the Champions Center Expo on an overcast, windy fall day, the stakes of the election are high. They are worried about the spiking costs of health insurance; wary about government interference in schools; and petrified that an influx of immigrants would worsen their already precarious employment prospects. But they also say they are committed to the principle that election results should be respected, regardless of the outcome.

“It worries me a little bit. But I still believe in the process,” said Tim Combs, 50, who believes Trump is “God-ordained” to win this year.  Juli Cherry, 56, is a cancer survivor and runs a hair salon that employees nine people. She gets her insurance off the Obamacare exchanges ― and it doesn’t come cheap. Her monthly premium is $1,000 and her deductible is $1,500, she says. She makes just over the amount needed to qualify for a subsidy, so the recent news of premium spikes on the exchanges has her spooked. If costs increase notably, she may have to drop coverage and pay the mandate penalty instead.

“I feel that politicians no longer serve the public,” Cherry said. “They don’t serve our interests. They serve their own.”

For this reason, as well as for her distaste for Hillary Clinton’s support of abortion rights, Cherry is a Trump fan. But if the election goes Clinton’s way, she won’t revolt, take to the streets or indulge in the conspiracies of vote rigging. “If she wins, we have four years to figure out the next time,” Cherry said. “We won’t be happy. But we will survive and figure it out.” 

Marcia Zink is similarly troubled with Clinton’s stance on abortion. A devout Catholic, she came to the Trump rally 31 weeks pregnant with her ninth child. If Trump loses, she said, she would have “a day of prayer.” And then, she would move on.

“We have to trust the system,” Zink said of the possibility that the election might be rigged.

In conversation after conversation, attendees at the rally echoed this message. There were exceptions, of course. Ashley Greer, 26, said that if Clinton wins, she might head to Washington D.C. to participate in rallies demanding her ouster. “She needs to be impeached,” Greer said. “That’s what needs to happen … they need to lock her up.”

But, by and large, the crowd seemed content to let the vote count stand on its own. If Clinton wins, people said they’d regroup and try to elect Republicans in the next congressional cycle ― and a president like Trump in 2020.

“I will work even harder than now to get my fellow people involved and get them engaged,” said Zoanne Bouche, who said she was “50-something.” As for blood on the streets, she replied: “That’s silly.”Bouche’s mentality, and that of other Trump fans present, may be a product of culture and geography ― the crowd’s Midwestern sensibilities overwhelming a more rebellious instinct. At other Trump venues, attendees have talked more openly about post-election protests if Trump loses. At a recent event in Colorado Springs, The New York Times found Trump fans speaking of “another Revolutionary War” come Nov. 9.

Still, this bloc of Trump backers’ reluctance to indulge in such talk suggests it’s just that: talk. And that after Election Day, much of the animus and fear will likely dissipate and life will go on.

This attitude doesn’t only extend to the election results. Several Trump supporters at the Springfield rally also said they didn’t support the idea ― pushed recently Sens. John McCain (R-Ariz.) and Ted Cruz (R-Texas) ― that a Republican Senate could simply refuse to confirm any Supreme Court justices nominated by Clinton if she becomes president.

“That’s a little extreme,” said Marquis VanDeMark, 60, who stood outside the rally, a red “Make America Great Again” hat perched on his head, handing out voter guide fliers made by the group CitizenActionUSA. “We aren’t a banana republic. Come on now. Seriously.”   

Instead, attendees seemed more focused on reshaping their own party and political ecosystem if Trump loses. Many expressed frustration with the way Fox News ― the usually reliably conservative TV stalwart ― had covered the election, saving particular umbrage for host Megyn Kelly, who has clashed with Trump surrogates about the nominee’s boasts of sexual assault.

“Megyn Kelly posted for several pictures in GQ that were sexually explicit,” said rally attendee Doug Tipton. “And now she is appalled with Trump? I’m getting tired of all that.”

Others seemed more piqued at how Republican congressional leaders have handled Trump’s nomination. None of the rally attendees interviewed for this piece had nice words for House Speaker Paul Ryan (R-Wis.) or their own Republican governor, John Kasich, who challenged Trump in the GOP presidential primary. Although Ryan has stuck by his endorsement of Trump, he has put as much distance as possible between himself and the GOP nominee. Kasich, by contrast, is an open Trump critic.

“I used to like Kasich, but he acted like a fool during this whole thing,” Grierson said. “Paul Ryan is not a stronger fighter for conservatives than [former Republican House Speaker John] Boehner, and Boehner was weak.”

“[I am] very disappointed,” Sharon Bennett added. “I would hate to see their next election cycle because no one here is going to vote for them. They’re cowards, they’re babies.”

*HUFFPOST READERS: *What’s happening in your state or district? The Huffington Post wants to know about all the campaign ads, mailers, robocalls, candidate appearances and other interesting campaign news happening by you. Email any tips, videos, audio files or photos to scoops@huffingtonpost.com.

Editor’s note: Donald Trump regularly incites political violence and is a serial liar, rampant xenophobe, racist, misogynist and birther who has repeatedly pledged to ban all Muslims — 1.6 billion members of an entire religion — from entering the U.S.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 6 hours ago.

Donald Trump Picked The Wrong State To Call Obamacare A ‘Catastrophic Event’

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Donald Trump was in Ohio on Thursday, pounding away at the Affordable Care Act. “Obamacare is really a catastrophic event for Ohio workers,” Trump said, “and it’s making it impossible for many parents to pay their bills and support their families or get quality medical care for their children.”

Trump has been saying things like this ever since his presidential campaign began. But this week, he’s seized on the government’s announcement of big Obamacare premium increases to make his arguments more frequently and more forcefully.

The news of rising premiums, which the Department of Health and Human Services released on Monday, is a genuine sign of trouble for the program. Even the law’s staunchest advocates are worried what this means for the program’s exchanges, where people without access to employer-sponsored insurance can buy coverage.

In the worst of the states, like Arizona, coverage could become expensive enough to cause some real hardship ― and scare away the healthy customers insurance companies need to avoid posting huge losses.

But to paint the law as a disaster, as Trump and so many Republicans are doing, is to ignore its accomplishments ― accomplishments that are particularly evident in states where the exchanges are working relatively well and where officials have expanded eligibility for Medicaid.

One of those states happens to be Ohio.

The most important sign of progress there is also the easiest one to document. In 2013, the year before Obamacare took full effect, 11.5 percent of the Ohio population had no health insurance. By 2015, the most recent year for which official census figures are available, the ranks of the uninsured had fallen nearly in half ― to 6 percent.

Basically, that’s a half-million people who now have better access to care and more financial protection from medical bills.

A lot of credit for that reduction goes to Ohio’s Republican governor, John Kasich, who expanded Medicaid over the objections of his own party’s leaders. As a result, the program is now available to all residents with incomes below or just above the poverty line, as Obamacare’s architects intended.

The expansion has made a big difference for people who, previously, had no way to pay medical bills and suffered because of it. It’s a difference I heard about firsthand over the summer, when I visited the Neighborhood Family Practice clinic in Cleveland. “You have people who are functional, stable citizens whose lives are falling apart,” Erick Kauffman, the clinic’s chief medical officer, told me at the time. “It’s heartbreaking. But with Medicaid, they can get their lives back on track, get back to work.”

People with incomes too high to qualify for Medicaid and with no access to employer insurance have found coverage by going onto healthcare.gov, and using it to buy policies available through Ohio’s state insurance marketplace.

In his speech on Thursday, Trump suggested to his audience that Ohio’s marketplace was struggling, because several insurers left the state last year. He neglected to mention a key fact. According to a tabulation by the Henry J. Kaiser Family Foundation, Ohio started out with 15 insurers ― among the highest number in the country. With 11 insurance carriers remaining, and each one offering multiple plans, the majority of consumers still have plenty of options.

And many of those options are inexpensive. In Cleveland, for example, a 40-year-old non-smoker can buy the second-cheapest “silver” plan ― which the law treats as a benchmark ― for $229 a month. That’s actually slightly less than the second-cheapest silver plan cost last year. And that’s before taking into account the tax credit subsidies that can knock the price down to less than $100 a month for many consumers.

That particular plan has a very high deductible, which is true for many exchange plans: For an individual policy, it’s $5,500. But plans with lower deductibles are available for slightly more money, and people with incomes below 250 percent of the poverty line are eligible for extra assistance with out-of-pocket costs.

Is Ohio’s market perfect? Hardly. The offerings are fewer and more expensive outside of Cleveland, in rural areas, as is the case in every state. This year, 20 rural Ohio counties will have just one insurer.

Even within the cities, many people feel worse off ― in some cases, because they were among the lucky who were able to get coverage previously, when insurers could sell only to people in good health. Their coverage has gotten more expensive. Many of Ohio’s wealthiest residents aren’t too happy, either, because their taxes went up in order to finance Obamacare’s expansion of insurance coverage.

And of course there are plenty of states that look more like Arizona than Ohio, with struggling marketplaces and insurance premiums rising quickly ― leaving people ineligible for subsidies facing much higher prices for more limited insurance offerings.

But even in those places, poor and many middle-class residents can get free or deeply discounted coverage they could never have gotten before. And even those paying full price benefit from the law’s consumer protections, like the prohibition on denying coverage to people with pre-existing conditions.

Obamacare has its problems, for sure. And for principled conservatives who object to the very idea of bigger government, obviously, the program has been a development for the worse.

But given what the law has accomplished ― the millions who have better access to care, and more protection from medical bills ― it’s difficult to see how it can qualify as a “catastrophic event.”  

And in Ohio, which looks more and more like one of Obamacare’s success stories, it’s darn-near impossible.

Editor’s note: Donald Trump regularly
incites
political violence and is a href="http://www.huffingtonpost.com/entry/donald-trump-911_565b1950e4b08e945feb7326"> style="font-weight: 400;">serial liar, href="http://www.huffingtonpost
.com/entry/9-outrageous-things-donald-trump-has-said-about-latinos_55e483a1e4b0c818f618904b"> style="font-weight: 400;">rampant xenophobe,
racist, style="font-weight: 400;">misogynist and href="http://www.huffingtonpost.com/entry/donald-trump-stephen-colbert-birther_56022a33e4b00310edf92f7a">>birther who has
repeatedly pledged to ban all Muslims — 1.6 billion members of an entire religion — from
entering the U.S.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 6 hours ago.

Meet MN Blues’ new brand: Stella

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Blue Cross and Blue Shield of Minnesota’s parent company is launching a new brand as it ramps up efforts to expand beyond the traditional health insurance business. Called Stella, the brand will fall under the umbrella of holding company Aware Integrated Inc., which owns Eagan-based Blue Cross and several other ventures. Two of those existing ventures — SelectAccount, an administrator of health savings accounts, and ClearStone Solutions, a health-plan consultancy — will move under the auspices… Reported by bizjournals 18 hours ago.

HUFFPOLLSTER: Most Voters Say Donald Trump Doesn’t Respect Democracy

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A new survey finds there isn’t much respect to go around this election season. Polls agree that Hillary Clinton is winning, but not by how much. And a survey of Latino voters shows the group feels disengaged from major issue discussions. This is HuffPollster for Friday, October 28, 2016.

*MOST DON’T THINK TRUMP RESPECTS DEMOCRACY *- Pew Research: “As the presidential campaign enters its final days, opinions about American democracy and the candidates’ respect for democratic institutions – as well their respect for women, minorities and other groups in society– have emerged as political flashpoints. Donald Trump is widely seen as having little or no respect for Muslims, women, Hispanics and blacks. *Moreover, 56% of registered voters say that Trump has little or no respect for the ‘nation’s democratic institutions and traditions,’ compared with 43% who say he has a great deal or fair amount of respect for democratic institutions and traditions*….Yet concerns over Clinton’s honesty persist, and just 35% say that, if elected, she would make a good or great president; even fewer (27%) think Trump would make a good or great president. These views have changed little over the course of the campaign….The survey finds considerable evidence of the bitterness unleashed by the presidential campaign. Dating back to 1988, no candidate, Democrat or Republican, has been viewed as more critical of their opponent than is Trump today (the question was not asked in 1992).” [Pew]
*Most Clinton supporters say they can’t respect Trump supporters *- More from Pew: “[M]ost Clinton supporters not only take a dim view of Trump, but say they have a hard time respecting the people who support the Republican nominee. *Nearly six-in-ten Clinton supporters (58%) say they ‘have a hard time respecting someone who supports Donald Trump for president.’* Just 40% say they have ‘no trouble’ respecting someone who backs Trump. Trump supporters are less likely to say they have difficulty respecting Clinton voters. Four-in-ten (40%) say they have a hard time respecting Clinton voters, while 56% say they have no trouble doing so. Most voters expect current political divisions to persist after the election, no matter who is elected president.” [Pew]

*POLLS DIFFER ON CLINTON’S MARGIN, BUT AGREE THAT SHE’S AHEAD *- Mark Murray: “In the last 24 hours, one national poll showed Hillary Clinton with a 14-point lead. Another had her ahead by just three points. And another found it right in the middle ― Clinton up nine points….How to make sense of the plethora of polls? Well, here’s an answer: *Clinton is clearly ahead, though the margin is larger in some polls than others. And when looking at the battleground states, she still has the easiest path to the 270 electoral votes.* Looking at the national polls, the Huffington Post shows Clinton with an average lead of seven points in the surveys it recognizes, while the RealClearPolitics average has it at five points. To put those numbers into perspective, President Obama won the national vote by seven percentage points in 2008 and by four points in 2012. What’s more, on this same day in the 2012 cycle, Obama held just a 0.6-point lead over Mitt Romney in the Huffington Post poll tracker.” [NBC]

*Forecast update -* HuffPost’s models give Hillary Clinton a 98 percent chance of winning, and Republicans just a 26 percent chance of holding onto the Senate.  [Presidential forecast, Senate forecast]   

*Variance in the polls is more than just noise *- Nate Silver: “How much should you expect the polls to differ from one another? Even if there were no methodological differences, you’d expect some variation as a result of random sampling error. Could the seemingly huge spread in the polls this year turn out to be nothing more than statistical noise? Probably not….The standard deviation for the 2016 polls — 3.6 percentage points — falls just outside the confidence interval, which runs from 1.8 points to 3.5 points. T*hat suggests there are probably some real methodological differences and that the wide spread in the polls doesn’t reflect sampling error alone*….although the wide spread in the polls this year may reflect challenges in the polling industry, you shouldn’t make a habit of berating the polls that seem to be outliers or use a somewhat unorthodox methodology. Aggregating mechanisms like polling averages and betting markets are powerful precisely because they reflect a diverse array of approaches and opinions, and they lose their power when they’re subject to herding or groupthink.” [538]

*Polls differ in part due to assumptions about who will vote *- Philip Bump: “One of the most insightful articles about polling this cycle comes from the New York Times’s Upshot team. With raw poll data from Florida in hand, Upshot asked four pollsters to interpret the results…. Those four pollsters didn’t all come back with the same result. The responses were a one-point Clinton lead, a three-point Clinton lead, a four-point Clinton lead and a one-point lead for Donald Trump. The point of the exercise was to highlight that *pollsters make certain assumptions about the data they get back from their interviews. They make assumptions about who is likely to vote and about how to weight the data*, for example, which is a different consideration than the quality of the responses from talking to voters. Sean Trende of RealClearPolitics pointed to the Upshot’s results in a series of tweets Thursday morning looking at recent national poll results. ‘The spread on the polls right now really is bothersome,’ he wrote, suggesting a lot of different assumptions about what the electorate will look like. With Clinton’s lead as big as it is, there’s not much question about the final result. If the race narrows, those varying assumptions could be a problem.” [WashPost]

*LATINO VOTERS SUPPORT CLINTON BUT FEEL DISENGAGED FROM PROCESS *- Nick Bayer: “Seventy percent of registered Latino voters are voting for Clinton this year, while only 17 percent support Trump, according to a new poll from the National Council of La Raza and Latino Decisions. Among Latino registered voters surveyed, 68 percent view Clinton favorably, while only 18 percent have a favorable opinion of Trump. The poll also shows clear Latino support for greater economic equality and wider health care coverage. To provide one figure, 55 percent of Latino voters think we should keep and improve the Affordable Care Act, 16 percent think it’s okay as is, and only 25 percent believe it should be repealed. But despite a lot of attention paid to Latino voters, Eric Rodriguez, Vice President of NCLR, noted with discontent, ‘we haven’t seen a lot of engagement around the issues. *No one is really talking to our community and asking [about] what Latino voters are thinking*.’ For example, the poll finds over half of respondents don’t think public officials take into account the health needs of the Latino/Hispanic community when considering health insurance reforms. President of the Children’s Partnership Mayra Alvarez’s big takeaway: ‘We have work to do to engage the Latino community in identifying solutions for the future.’” [NCLR]

*HUFFPOLLSTER VIA EMAIL! *- You can receive this daily update every weekday morning via email! Just click here, enter your email address, and click “sign up.” That’s all there is to it (and you can unsubscribe anytime).

*FRIDAY’S ‘OUTLIERS’* - Links to the best of news at the intersection of polling, politics and political data. 

-Kathy Frankovic writes that the race is remaining mostly stable in its final weeks. [YouGov]

-Donald Trump’s digital director says their campaign’s internal models resemble other forecasts. [HuffPost]  

-An analysis of polls shows that Donald Trump has a chance of getting the lowest popular vote proportion in modern presidential elections. [HuffPost]

-Rhodes Cook examines the “historical rarity” of a four-party presidential election. [Sabato’s Crystal Ball]

-Daniel Cox and Robert Jones show that there are stark differences in support for Trump or Clinton by religious group. [PRRI]  

-Ashley Kirzinger, Elise Sugarman, and Mollyann Brodie find view voters citing health care as among the top issues in their vote. [KFF]-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 17 hours ago.

Dayton suggest rebates for sticker-shocked MNsure customers

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Gov. Mark Dayton on Thursday suggested issuing rebates to more than 100,000 Minnesotans facing big hikes in their health insurance premiums next year. The Star Tribune reports on the proposal, which comes as state officials struggle to cope with the blowback from surprisingly big price hikes — more than 50 percent in some cases — coming for many users of MNsure, the state's health exchange. Federal subsidies will offset those increases for many, but an estimated 123,000 people in Minnesota earn… Reported by bizjournals 17 hours ago.

Hey millenials, you might qualify for an insurance tax credit you're not getting

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About 26,000 Oregonians are eligible for federal tax credits to help them pay for their health insurance and they don’t realize it. So says Andy Slavitt, acting administrator of the Centers for Medicare Services, who was in Oregon on Thursday to kick off the open enrollment season, which starts Nov. 1. State and federal officials want to get the word out to people who might not realize that they qualify for help. “They’re not currently taking advantage of it and they can save money,” Slavitt… Reported by bizjournals 17 hours ago.

Morning Roundup: ​Kansas health insurance premiums to increase by 46 percent

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Kansas health insurance premiums to increase by 46 percent Kansas consumers next year will see their premiums drastically increase by 46 percent in health insurance markets created by President Barack Obama, the Wichita Eagle reports. Kansas will continue to have two participating insurers. FBI to assist with county fraud investigation The Sedgwick County Sheriff’s Office reached out to the FBI for assistance in investigating the fraudulent activity that cost the county government over half… Reported by bizjournals 17 hours ago.

Obamacare increases aren't the real problem: A letter to the editor

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The Oct. 24 headline said: "Obamacare insurance premiums to increase by double digits, administration confirms." It's important to keep basic facts in mind. The vast majority of people in the United States get health insurance through their employers, or Medicare... Reported by nola.com 16 hours ago.

Lack of choice in health insurance markets a growing problem

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WASHINGTON (AP) — Americans in the health insurance markets created by President Barack Obama’s law will have less choice next year than any time since the program started, a new county-level analysis for The Associated Press has found. The analysis by AP and consulting firm Avalere Health found that about one-third of U.S. counties will […] Reported by Seattle Times 15 hours ago.

Obamacare Sticker Shock: 5 Ways to Combat Insurance Hikes

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With health insurance premiums soaring, a top doc details five ways to cut your health costs. Reported by Newsmax 12 hours ago.

Why Hillary can Unite the Country

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The question more people are asking is how will Hillary be able to unite the country after she is elected. This campaign has made it clearer than ever how divided a nation we are. Donald Trump's incredibly negative and divisive campaign, his speech and his actions, have exacerbated the divisions. We have seen some people take his campaign as permission to model poor behavior voicing their own racism, homophobia, sexism and misogynistic tendencies.

These divisions won't go away or be healed quickly. It will take time, education and rational people in both the Republican and Democratic Party working hard to heal the rifts and allow the country to move forward together. My optimism leads me to believe it can and will happen.

The reason for that optimism is *Hillary Clinton*. She has a lifetime of experience working to heal rifts and sooth hurt feelings. Actually many women have the same experience in their own lives and their own families.

One indication of Hillary's ability to succeed is how American's view her every time she is in a position of power or in office. In those situations her approval ratings go up every time. When she was Senator from New York her approval rating was at about fifty-eight percent. It was even higher when she was Secretary of State at around sixty-five percent. When she was First Lady of the United States her approval ratings went up and down often depending on what Bill did but peaked at sixty-seven percent. One must also remember for twenty years she has been voted most admired woman in the world in the Gallup poll.

So Hillary has shown her ability to bring people together and to change their feelings towards her. When she didn't get universal healthcare passed during her husband's administration she didn't give up working for children. It was reported in a Penn Live Oped "Hillary made adoption and foster care one of her priorities. She worked across the partisan aisle, with two unlikely partners: former Republican Minority Whip Tom Delay of Texas and business leader Dave Thomas of Wendy's, a lifelong Republican. Together, they held events at the White House to raise awareness, and built support for legislation that would encourage adoptions, provide more aid for foster families, and help foster children find permanent, safe, loving homes. The first piece of legislation was the Adoption and Safe Families Act of 1997, which provided support and services for adoptive families, and increased foster adoptions by 64 percent by 2002."

Hillary worked with Senator Ted Kennedy (D-MA) and Senator Orrin Hatch (R-UT) to get the Children's Health Insurance Program (CHIP) passed. Nick Littlefield, Senator Kennedy's top domestic policy adviser, said, "Hillary was a one-woman army inside the White House to get this done." Even after the new program was signed into law according to David Nexon, Senator Kennedy's former healthcare staff director, "The work wasn't done  and Hillary knew it. It was up to the states to make sure low-income children could enroll and receive high-quality care. Hillary worked alongside Republican governors across the country, including Pennsylvania Gov. Ridge, New Jersey Gov. Whitman, and Utah Gov. Leavitt to promote the Insure Kids Now campaign and make sure the children who needed coverage were able to sign up."

Then when in the Senate Hillary worked with Senator Lindsey Graham (R-SC) and others on healthcare for the National Guard. In 2007 on Voice of America when talking about working across the aisle Graham quipped "that his relationship with Clinton is a good example of that. We have become, actually, good friends. And that was a surprise to both of us."

Hillary like many women tends to be more of a nurturer. She has brought up an amazing daughter and kidded recently even though she will be the Commander-in-Chief she will still be approving the china and flowers for State dinners. She like so many women is tough. But like so many women she is able to share credit or even give credit to others if it will mean achieving her goals.

All one has to do is watch Hillary as the campaign nears its end. She is speaking more of uniting people; Democrats, Republicans and Independents. She understands the difficulty of what she will be up against but I will put my money on Hillary to succeed. 'Stronger Together' is not just a slogan to her; it is her vision for our future, a better future for all..

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 14 hours ago.

Policy Adviser Predicted Obamacare Wouldn't Be Affordable

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Policy adviser and health insurance analyst Robert Laszewski said he predicted the problems the Affordable Care Act would create and "the future is not good." Reported by Newsmax 13 hours ago.

Your Money Adviser: Keeping Your Affordable Care Act Plan Affordable

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Many with health insurance through government marketplaces are eligible for financial help that can significantly lower those premiums. Reported by NYTimes.com 10 hours ago.

The National Children’s Cancer Society Addresses the Needs of Long-Term Survivors That Are Highlighted in a New Childhood Cancer Report

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Childhood cancer survivors can face multiple gaps in their long-term care, but The National Children’s Cancer Society (NCCS) is stepping in to meet many of them, including helping survivors identify late effects and find knowledgeable health care providers when they become adults.

St. Louis, MO (PRWEB) October 28, 2016

Childhood cancer survivors can face multiple gaps in their long-term care, but The National Children’s Cancer Society (NCCS) is stepping in to meet many of them, including helping survivors identify late effects and find knowledgeable health care providers when they become adults.

A recent joint report from the American Cancer Society and Alliance for Childhood Cancer offers new information about pediatric cancer. In addition to outlining issues facing survivors, the report includes statistics, trends, a current list of treatment drugs, and details about ongoing pediatric cancer clinical trials and research. The report, “Translating Discovery into Cures for Children with Cancer: Childhood Cancer Research Landscape Report,” is the first time that comprehensive information about childhood cancers has been brought together with a critical analysis of challenges along with opportunities for prevention and treatment.

Among the report’s many key findings is the identification of gaps in care for survivors as they move into adulthood, an area that the NCCS focuses on through its Beyond the Cure program. More than one in three survivors aged 35 or older have experienced health effects considered severe or life threatening, including death. Called “late effects,” these can be physical, emotional or cognitive problems, often lifelong, that are typically caused by the drugs used to treat childhood cancer. This happens because treatments occur during a vulnerable period of a child’s development. Longer survival times mean more time for late effects to impact a childhood cancer survivor’s health, the report explains.

The report states that research into long-term care and late effects among childhood cancer survivors is critical in order to properly address the needs of survivors and identify risks associated with newer treatments.

The NCCS has taken a proactive approach to helping survivors cope with late effects and other challenges, including helping them reach their goals to attend college, find meaningful careers, and take charge of their own healthcare as they move into adulthood.

“We recognize that there are many childhood cancer survivors struggling to identify their late effects, achieve their career goals, and find good medical care with practitioners who are trained in treating cancer survivors,” said Pam Gabris, coordinator of Beyond the Cure. “We’ve worked closely with survivors to understand their needs and meet them with education and resources to help with everything from emotional challenges to employment to long-term healthy living.”

The NCCS also developed a free Late Effects After Treatment Tool (LEATT) to help survivors learn about the potential late effects that may occur as a result of having cancer and treatment as a child. The tool is user-friendly, easy to complete and can be accessed on a tablet or mobile phone as well as a personal computer. Users can save their report if they choose, and have the option to email it to any desired recipient. The personalized, detailed report includes specific recommendations for addressing the various late effects they could experience such as chronic pain, decreased heart function, early menopause, and hearing loss, among many others. Knowing their specific cancer treatment medications is not required to use the tool.

It is the goal of the NCCS to make sure all survivors’ issues are met with education and resources. “We provide help with everything from safe exercise programs, to tackling health insurance problems and finding resources for counseling and peer support,” said Gabris.

About The National Children’s Cancer Society
The mission of The National Children's Cancer Society is to provide emotional, financial and educational support to children with cancer, their families and survivors. To learn more about the NCCS and its support services, visit thenccs.org. The National Children’s Cancer Society is a 501C(3) organization that has provided over $62 million in direct financial assistance to more than 38,000 children with cancer. To contact the NCCS, call (314) 241-1600. You can also find the NCCS on Facebook and Twitter. Reported by PRWeb 13 hours ago.

These Facts About the Pentagon Might Surprise You

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What are some things people would be surprised to find out that the Pentagon controls? originally appeared on Quora - the knowledge sharing network where compelling questions are answered by people with unique insights.

*Answer by Arnold Punaro, Author of On War and Politics: The Battlefield Inside Washington's Beltway, Vietnam War veteran, on Quora.*
The Department of Defense is the largest and most complex organization in the world. Its size dwarfs even the world's largest corporations, with over 3 million employees, including 1.3 million active duty personnel and 818,000 guard and reserve, over 5,000 facilities on over 30 million acres of land worldwide, and an annual budget of over $580 billion.But many of its activities are not central to its war-fighting mission. Some of these include a large grocery chain: the commissaries that are located on military bases. They provide all the goods a local supermarket does, but with pre-determined savings. It is one of the world's largest grocery chains in terms of sales, but it is subsidized by the taxpayers to cover its $1.4 billion annual shortfall. The DOD also runs its own school system on the bases, which costs about $3.5 billion a year.The Army (not the VA) runs Arlington National Cemetery, one of our nation's most revered burial sites. The Army Corps of Engineers civil division does work in the U.S. on many of our waterways, locks, and dams. This part of their budget is not even found in DOD's overall budget, so that is likely an area most would not think the Pentagon controls.DOD also runs a huge medical establishment on its military bases, called Military Treatment Facilities. In many cases they are located in close proximity to larger Veterans Administration hospitals. There is also a misconception in the public about military healthcare. While the Department of Veterans Affairs is indeed failing to meet its duties, the Department of Defense runs the Military Health System for active duty military, retirees, and their dependents, as well as providing a health insurance plan called TRICARE for those who can't make it to the military hospitals. TRICARE's rates are tied to Medicare rates. TRICARE and the DOD hospitals are not in the same poor shape as the VA hospitals, but they do need significant reforms in order to be sustainable in the future.This question originally appeared on Quora - the knowledge sharing network where compelling questions are answered by people with unique insights. You can follow Quora on Twitter, Facebook, and Google+.
More questions:​

· Vietnam Veterans of America: What was it like to come back to the US as a veteran of the Vietnam War?· National Security: How have national security threats changed in the last 40 years?· Military: In what ways does the United States' military need to be changed to match its current global roles?
-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 11 hours ago.

Personal finance experts share their money horror stories

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This article was written by Colin Lalley of PolicyGenius.

Whether it's Halloween time or not, financial horror stories can be just as spooky as a haunted mansions. And who doesn't like a good horror story? No, not masked killers or bloody-thirsty monsters. We're talking about real spooky tales: low credit scores! Student loan debt! Not having a budget!

We asked several of our favorite personal finance personalities to share their scariest money stories. They shared their top horror stories, from scary personal and client stories to startling advice and cautionary tales, so you can avoid these mistakes in the future. - something that happened to them, something that happened to someone they knew, or the most startling piece of advice they've gotten.
*Haunted housing investments*

In 2006 many of my friends were buying properties with little to no money down and I decided to get in on the action. I was in my early twenties, had bought two properties, and thought things could only go up from there. Man was I mistaken. Within a couple of years both properties were about 50% under the value I paid for them. It was frightening. Not only that, but I lost a renter and was negative almost $1800 per month on one property. Although it was a scary time, it was a great learning experience that taught me to make smarter financial decisions in all aspects of my life.
It's important to start investing early. Thanks to the magic/math of compound interest, the sooner your start saving, the more money you'll have by the time you reach retirement. And if you start saving early, you won't have to play catch up later in life, so you can focus on things like paying for life insurance and saving for your kid's college fund.

The "problem" with any investing is that it can take a long time to really pay off. It's not like winning the lottery; instead, you have to wait years or even decades before you reach your goal. That's why it's hard to fault *Well Kept Wallet's Deacon Hayes* for looking to investment rental properties; they can be a good complement to investing in something like mutual funds, but there's a bigger risk.

Our advice? Only jump into property as an investment if you have taken the time to research it as an investment vehicle and ensure that it's the best fit for your financial plan. If you have any questions, find a financial advisor you trust. You can ask friends and family you trust who they turn to, or use a platform like Guidevine to search for advisors. There's a reason why advisors are the professionals in their field, and there's no shame in admitting you don't know what the right path is as long as you're willing to do something about it.
*Creepy credit card debt*

A few years back we were looking to learn more about how to become real estate investors as a means to build wealth. There was a highly touted seminar that was being held in our local area so we decided to attend. They laid out all of the pros and cons of investing in real estate and even thoroughly explained how to get started. The scary advice came when they were outlining strategies on how to get your first deal done. They proceeded to give all of the attendees a list of credit card providers and contact information of these providers and told us that if we want to be successful we could start out by calling all the credit card companies and get approved for as many cards as possible, and use those credit lines to purchase our first property. Essentially the message was to create lines of debt so that we could use debt to purchase other debt. The real estate market ending tanking not too long after that. Very spooky strategy to say the least.
If you're sensing a theme of "investment properties are kinda risky"...well, yeah, that's what we said after the first property horror story.

But this story from *Talaat and Tai McNeely of His and Her Money* has an interesting twist: it's not necessarily about property as much as it is about the danger of credit cards. While Tai and Tallat were financially savvy enough to realize this debt building strategy was the wrong way to go about investing, others haven't been as lucky.

Don't get us wrong: credit cards can be great. They help build credit, which is crucial for getting loans that you need. Some of them come with great rewards and bonuses like travel miles. But you have to be careful with how you use them. It's tempting to just charge everything and treat money like an "out of sight, out of mind" issue. Of course, that tends to come back and bite you when you actually need to pay the bill, and failing to do so hurts your credit score.

If you do use credit cards - and not just for an infinite debt loop, Tallat and Tai shared in their story - make sure you have a budget in place, and stick to it. If you do that, you'll always know how much you've spent, and you won't regret using your credit cards.
*Ignoring nasty financial notices*

I hear a lot of financial horror stories on my podcast Spent. But the ones that truly strike terror into the depth of my soul are the ones where people ignore notices from the IRS, credit cards and collection agencies and let letters pile up. I can relate to wanting to ignore stacks of letters and bills where people want things from you -- especially money that you may not have! The fastest way to make the shame ghouls go away is to face the music and open your mail. Once you start to deal with it, you can get control fast.
There's nothing scarier than finding mail that comes from a bill collector. Whether it's an audit, a credit card bill, or a student loan payment, most people just want to hide under their covers - or flee the country.

But *Lindsay Goldwert of the Spent podcast* is right, facing your financial fears is the best course of action. The last thing you want to do is to ignore money troubles and find out that they've become a big problem down the line. Taking steps sooner helps you avoid this problem. Fix your budget and look into balance transfers if you find yourself with too many overdue credit card bills. Refinance or consolidate your student loans if you're getting behind on loan payments. Pull your credit score and fix any incorrect information. Take steps to avoid medical debt before you can even get the notices in the mail.

Parting wisdom: the only thing that might be scarier than getting a legitimate notice in the mail is getting a scam one. Here are 5 scams to watch out for.
*Buying ghastly whole life insurance*

"Whole life insurance is the best buy you will ever make."This one is close to our hearts, and *Chris Peach from Money Peach* getting advice that whole life insurance is a good purchase is truly chilling.

At PolicyGenius, we only recommend - and sell - term life insurance. The simple truth is that for 80-90% of people, term life insurance is what they need. Whole life insurance offers an insurance policy along with an cash value component that's meant to grow over time.
Unfortunately, the fees that come along with that make it up to four times as expensive as a term life insurance policy. What you're left with is an insurance product that's more expensive than alternatives and an investment product that won't give you as good of returns as alternatives (namely, just investing the money through a robo-advisor platform).

Whole life insurance is often presented as a forced savings vehicle: people are bad at saving, so if you roll it up into something they're buying anyway (life insurance) they don't have a choice. In reality, the better decision is to buy a cheaper term life policy and invest the difference that you're saving.

Do you have any frightening financial tales? Share them with us on Twitter @PolicyGenius!*****PolicyGenius is rethinking insurance from the consumer's perspective - because it's about time somebody did. We're making it easy to learn about, shop for and buy insurance. Our digital insurance advisor and online quote engines for life insurance, health insurance, pet insurance, renters insurance and long-term disability insurance will help you to get the coverage you need.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 8 hours ago.

Tim Kaine Thinks Donald Trump Will Help End Our Nation's Partisan Gridlock. Here's How.

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COLUMBUS, Ohio ― When he first ran for the White House in 2008, then-Sen. Barack Obama (D-Ill.) promised to usher in a post-partisan era, in which competence took precedent over ideology, and the bickering that defined the Clinton and Bush years gradually faded away.

It never happened. But that didn’t stop Obama from saying it would. In subsequent elections, both he and his aides predicted that Republicans would eventually soften their instinctive opposition to his agenda. The “fever,” he predicted, would break.

As the Obama presidency comes to a close and a Hillary Clinton presidency looks to succeed it, few politicians still believe it.

But Tim Kaine, Clinton’s vice presidential nominee, is one. And he credits Donald Trump for his optimistic disposition.

“I think there’s going to be an obligation to show that Trumpism is not a complete equivalent for GOP,” he said in an interview with The Huffington Post Thursday. “And I think, in that moment, when they’re trying to demonstrate that, there’s going to be some opportunities to get some wins right out of the gate.”

“They’re going to need to show GOP does not equal Trump,” he said.

And does he think the fever will break?

“I believe it will,” he said.

Kaine is a self-proclaimed optimist. So his confidence in the ability to govern constructively in the near future was not out of the ordinary, though perhaps aided by the IPA he sipped while sitting in the warehouse of the Land Grant Brewing Company in Columbus, Ohio.  

*Watch the full interview above.*

Kaine prefaced his confidence with caution, noting that neither he nor Clinton was taking their election for granted (he spoke a day before the FBI announced that it was investigating several emails that could be pertinent to its initial investigation into Clinton’s private account). But he allowed himself to imagine areas where he thought progress could be made. That included reforming the Affordable Care Act, agreements he envisioned could be made on enhancing small business tax credits, pursuing Medicaid expansion in states that hadn’t previously done so, and encouraging more market reforms to reward outcomes instead of procedures. To get to a place where lawmakers forge compromise on items as contentious as Obamacare, however, will likely take more than just the electoral humiliation of one Donald Trump. Modern governance rewards politicians who play to their base. And often, it is the influence of money rather than the recognition of sound policy that plays a motivating factor in the legislative process.

Kaine noted that Clinton has called for a series of reforms to get money both out of politics and, when impossible, shed light on where those contributions are going. But he pushed back forcefully on one proposal aggressively championed by Trump.

Term limits for members of Congress, he said, were a “bad idea,” based in part on his experience as a term-limited governor of Virginia.

“It sounds good, but I think if you do term limits, you would really increase the power of lobbying,” he said. “I’ve been in 40 states as a candidate, and I interact with a lot of state legislators who are in states where there’s term limits. And here’s what they say to me: ‘OK, it sounds good, but boy, I tell ya, you do term limits, then the only people who don’t have the terms are the lobbyists.’ And so the permanent institutional expertise class is now no longer the legislators, it’s the lobbyists who don’t have term limits and are there forever.” 


"It’s important to use executive orders. Every president since Washington has."
Sen. Tim Kaine (D-Va.)
If nothing else, Kaine understands how lawmakers think, work and operate. He’s held office on the local, state and federal level ― occupying perches in the legislative and executive branches. It’s a bio that comes with complications in an election where the other side is running against “career politicians.” But it’s one he seems comfortable touting.

Because of this background, he has perhaps a more informed perspective than most on where the line should be drawn between executive and legislative powers. One of his big causes in the Senate was to bring the powers to declare war back under Congress’ purview. And he repeated that should Clinton win, her administration will push for an authorization for use of military force in the campaign against the Islamic State, also known as ISIS or ISIL.

“The big-picture issue constitutionally for me is, get Congress on board to initiate war as a way of sending a message to troops that are overseas,” Kaine said. “We’ve already lost 20 people in the war against ISIL, and Congress hasn’t had the guts to even cast a vote.”

But Kaine also made the explicit case for executive branch authorities. Though Obama has confronted legal challenges and setbacks for some of the actions he’s taken on immigration and pollutant controls, Kaine spoke approvingly of both those objectives and the steps used to achieve them.

“It’s important to use executive orders,” he said. “Every president since Washington has. And the thing about an executive order — there has never been an executive order that a Congress couldn’t say, ‘You know, we don’t like that so we’re going to do something else,’ if there is a majority in Congress to do something else. So sometimes, you know, you have a court ruling that this or that executive order went beyond authority. But almost always, executive orders are within an authority and always within the purview of Congress to change if they want to legislatively change it.”

Should he be elected, Kaine would have a unique purview over the ground where Congress and the executive meet. The vice president’s role is twofold: both the second in command and the president of the Senate. The current occupant of that position, Joe Biden, has been one of Obama’s best dealmakers on the Hill, occasionally to the chagrin of liberals.

Kaine said he would seek to model his tenure off of Biden. He wants, he explained, be Clinton’s “chief adviser” and “the last person in the room”; someone who gives advice, learns and takes on “a few projects.” For him, those projects would dovetail with his past work: economic revitalization of cities and states, and enhancing relations with Latin America (Kaine volunteered with Jesuit missionaries in Honduras before entering politics). 

“I’ll say about Joe, I have really learned a lot from him,” Kaine said. “Some, because of things he’s told me, but some just watching the way he’s done his job. This is a supporting job that gives you an enormous ability, but you also have to be really loyal.”

Video produced by: 

Senior producer: Sharaf Mowjood; Producer: Omar Kasrawi; Editor: Adriane Giebel; Director of photography: Chelsea Moynehan; Cameras: Dan Fox, Shane Handler; Audio: Mike Caravella.

*Full transcript of The Huffington Post’s interview with Kaine:*

SAM STEIN: Welcome to Land Grant Brewing Company here in Columbus, Ohio. I’m Sam Stein.

AMANDA TERKEL: I’m Amanda Terkel.

STEIN: And we are joined by Tim Kaine, senator of Virginia, former governor, current vice presidential candidate and, I guess, in recent weeks, America’s dad. So, thank you very much for joining us.

SEN. TIM KAINE: Dads and beer, I mean it goes right together.

STEIN: Dads and beer. Cheers. I appreciate it.

So we wanted, I guess, we wanted to have a conversation about how government works, and maybe why it doesn’t work, which is a big frustration for a lot of people.

And I want to go back to 2007. You’re one of the first people out of the state of Illinois to endorse Obama, and the premise essentially is, he can bring a bit of competence to government, he can get us behind, or past, the partisan rancor.

And I think Obama himself has said that is one of his shortcomings, and one of his failings. So eight years later, how do you diagnose where it went wrong and why it went wrong?

KAINE: Well, first, I don’t ― I won’t accept the premise that it, you know, went wrong, because the president has also had some transformative achievements. Twenty million people have health insurance who didn’t before.

It was Teddy Roosevelt who first said he would do that, and Harry Truman who first introduced it, and, so ― and I could do, obviously, a number of things. Two of the three frozen relationships that the U.S. had in the world, Cuba and Iran, are in a different chapter.

STEIN: Yeah, but those are like executive things, right? I mean, it was with Congress that was sort of the problem, right?

KAINE: Look, Affordable Care Act, Dodd-Frank. There are a number of things with Congress. But you’re right, President Obama would say the thing that he probably feels the most regret about is he really thought ― not really his election, but the times we were in, that we were in the worst recession since the 1930s, and we had two wars that were kind of open-ended at that point ― that that would have compelled kind of almost like a national unity, like when Churchill did the National Unity Government after, you know, Britain got into the war.

I think President Obama felt like this would be a time when we can do it. And he would say that that is probably what he really regrets ― that there’s still an awful lot of division.

STEIN: So what went wrong?

KAINE: You know, boy, we’re a closely divided country.

STEIN: This is why we’re plying you with alcohol.

KAINE: I mean, can I tell you? We’re a closely divided country. This is my ninth race. I’ve never had an easy one. I’ve never had one that it wasn’t closely divided and tough. But what we’ve got to figure out is a way to be closely divided before an Election Day, but then pull together after an Election Day.

STEIN: Well maybe the question then is not what went wrong, but how does, how does Hillary Clinton, if she were to be elected president, how does she go about breaking through that impasse that Obama tried ― and occasionally did ― but by and large couldn’t really figure it out?

KAINE: Well, it’s, it’s important. I mean, one of the reasons Hillary asked me to be on the ticket is, I was a Democratic governor with two Republican houses. She knows that I’ve got a good track record in the Senate of working across the aisle, and Hillary, as both first lady and senator, had some major bipartisan accomplishments.

So, I think that she’s going to use what she already brings to the table. So she knows from eight years as first lady, eight years senator, four years secretary of state, she knows an awful lot of the players; she knows what motivates them, what they really care about, what the trip wires are that she probably doesn’t want to run across. That knowledge will come in handy.

I mean, I’ll, you know, we don’t take anything for granted. I think there’s a good chance though that there’ll be a Democratic Senate, with a majority leader that is very close to Hillary. They were colleagues together, she and Chuck Schumer of New York.

And then, I’ll say this: Not every Democrat agrees with me, but I was on the Murray-Ryan budget conference committee in 2013, and saw, you know, Paul Ryan and Patty Murray ― who are very different people politically ― say, “We gotta get a deal for the good of the country. I don’t have to set aside my ideological leanings, but we gotta get a deal for the good of the country.” And I think ―  

STEIN: You had the sequester coming down, you need to get rid of it somehow, yeah, that type of thing.

KAINE: And then, Ryan did it again with respect to the approps bill at the end of 2015, and, you know, I was involved in that to some degree.

STEIN: So do you think the fever breaks a little bit, though?

KAINE: I believe it will.

STEIN: I mean, that’s the constant mantra from Obama, is that the fever will break after this election. Why will this election be any different than any past election, even if you win the Senate majority?

KAINE: Yeah, well let me, let me give you two things that I think will happen, and I wouldn’t be doing this if I weren’t an optimist, right?

STEIN: I have noticed that.

KAINE: So, but here are two things I think will happen. We’re getting a lot of GOP support. So in terms of bringing people together, I think it starts with, we’ve got GOP folks who are supporting us right now. When John Warner, who’s the archetypal Republican in Virginia, stands up and says, “I’m supporting Hillary,” and he doesn’t mention anything about Donald Trump ― “I’m supporting Hillary because I worked with her in the Senate.” So that starts the bridge-building process right away, when you have folks who have come across and said, “Hey, I’m trusting you, I think you’ll do a good job.” So that’s number one.

And second, look, if we win, and I think we’re going to ― we don’t take anything for granted, not presuming ― but if we do, I think they’re, we’re going to have the burden of governing and governing for everybody. But I think the GOP’s going to have a burden too. They’re going to need to show GOP does not equal Trump.

STEIN: OK.

KAINE: And I think there’s going to be an obligation to show that Trumpism is not a complete equivalent for GOP. And I think, in that moment, when they’re trying to demonstrate that, there’s going to be some opportunities to get some wins right out of the gate.

And then, you know, look, in life, success begets success. You know, you spend your time blaming the other for what’s not getting done and you actually do a couple things, and then you switch to, “Hey, let’s instead compete about who gets the credit for what we just did.” And that’s a lot more fun.

STEIN: You are an eternal optimist. What is going on here?

KAINE: It must be in this IPA.

STEIN: Yeah, that IPA’s got something in it.

TERKEL: So you mentioned Obamacare, and that seems to be one issue where you could maybe use some bipartisan consensus. Premiums are going up now, so where do you think the middle ground is to sort of help fix some of these problems with Republicans?

KAINE: Yeah, no, great question. Let me tell you where we were when I came to the Senate in 2013 on Obamacare, and where we are today. Really interesting shift in the dynamic.

When I came in in January 2013, the Democrats were like, “We can’t do anything to touch it or fix it, because that would be to admit that it’s not perfect.” And the Republicans are, “We don’t want to do anything to improve it. We want it to fail.” There was zero reform caucus. Absolutely zero.

And I remember getting frustrated at some of the Dems, and I’d say, “There’s some obvious fixes here.” And I remember telling them once a story in a Democratic caucus lunch, when I was governor, at the end of every session, there would be about 1,100 passed bills on my desk that I would have to sign, veto or amend. And I noticed my first year that 850 of them were fixes to existing law, and only 250 were new. The job of a legislator is much more fixing existing law, revising it, improving it, than it is passing something that doesn’t exist.

And I remember saying that to my folks but, you know, anyway, they weren’t listening. But, the Healthcare.gov roll-out glitch took a lot of the Democratic complacency and said, “OK, I guess ―”

STEIN: It’s kind to call it a glitch, but ―

KAINE: And it made them think it’s not perfect, I guess we better fix it. And then 20 million people with health insurance, you know, you can’t rip it away from them. There’s a lot of Republicans, “OK, we’re not going to repeal it.” Even the repeal-and-replace formulation is sort of an acknowledgement, “I guess we can’t repeal it.”

So now you’ve got actually a working possibility of reform, and I think the reforms are likely to be, you know, in a couple of areas.

One: The small business tax credit is something that Hillary talks about a lot. You know, I mean, like this, you know, Land Grant Brewing here in Columbus. We had a tax credit for small businesses. Not that many small business have taken advantage of it. There was a goal that many would, but the fact that they haven’t means it’s probably not robust enough, and it’s also probably too administratively complicated for a small business to take. So that’s something that we, we definitely need to fix, and why wouldn’t Republicans want to do something good for small business, and we would want to make it easier to access.

Second, we’ve got to work with the 18 or 19 states that haven’t done the Medicare expansion. Virginia is one. We got a Democratic governor that wants to do it, Republican houses that don’t. But Virginians are paying taxes and they’re not getting coverage, and I always analogize this to, when Medicaid was passed in ’65, the last state that got on board ― because it was optional, it’s mandatory now ― the last state that got on board was Arizona in 1982. It took 17 years.

It was interesting, when the Affordable Care Act passed, Arizona did it immediately, even though they had two Republican senators, a Republican governor, Republican legislature. They were like, “What did we get by being the caboose on this effort?”

STEIN: Also, it’s good economics for the state, right?

KAINE: It is. And so, I think that, if we can, you know, make these remaining states ― work with them to get the expansion, that’s good. We need to work on drug costs, and there’s things we can work on on drug costs, especially Medicare Part D, to bring drug costs down.

And the last thing, and this is the big one, what the Affordable Care Act started was a change in the American health care system from paying for procedures to paying for outcomes, paying for health. Other nations have already made that move. We pay for procedures and we get the best procedures in the world and we get the most procedures in the world, and then we spend a huge chunk of our GDP on health care, but we don’t have the best outcomes.

Nations that pay for outcomes and health actually spend a lower percentage of GDP, and they have better outcomes. And so the Affordable Care Act is starting to make that migration, but we’ve got to keep down that path, and we’ll improve outcomes and reduce cost.

TERKEL: So, one area where Republicans are already indicating that they’re not going to cooperate with a future Clinton-Kaine administration is on the Supreme Court. You had Sen. McCain say that they are likely to oppose any nominee you put forward for the Supreme Court. Ted Cruz said that there’s plenty of precedent for not having nine justices, for having eight or fewer. So, what do you do about that?

KAINE: Well, Ted Cruz, I think, is being slightly disingenuous. The Constitution doesn’t set the size of the Court. It sets a maximum, I think, of 15. But since the Judiciary Act of 1869, it’s been a nine-member court. That’s what the statute says. We take an oath to uphold the law, that’s what we’re upholding. Congress could change it, if Congress wanted to and had the votes, but Congress won’t. So until Congress does, that’s the size of the court.

And the battle is, do we want a lawfully constituted full court, or will we let the Republicans have a hobbled, limited and weakened court?

And this really is unprecedented, and the thing that’s unprecedented about it is this: Senate has to advise and consent. That doesn’t mean you have to vote yes; you can vote no. It’s not a rubber stamp. But what these guys are doing is, “Wait a minute, we don’t have to vote yes or no, and maybe we can trick our voters into not holding us accountable for not voting yes or no.” And so, I’ll tell you what ―

STEIN: What’s to stop them? I mean, honestly, what’s to stop them?

KAINE: Well, the voters are going to stop them, or we’re going to stop them. And when I say “we,” I am a U.S. senator and I’m going to be a U.S. senator through the end of the year and maybe beyond. But I mean, I’m a U.S. senator. I have a prediction. This is not a guarantee, and I’m not revealing inside intel, but ―

STEIN: That’s all right, I’m writing it down. Go on.

KAINE: I was in the Senate when the Republicans stonewalling around appointments caused Senate Democratic majority to switch the vote threshold on appointments from 60 to 51. And we did it on everything but a Supreme Court justice.  

If these guys think they’re going to stonewall the filling of that vacancy or other vacancies, then a Democratic Senate majority will say, “We’re not going to let you thwart the law.”  

And so we will change the Senate rules to uphold the law, that the court will be nine members.

STEIN: So it sounds like you’re predicting Harry Reid will follow through on what has been, so far, sort of a subtle, veiled threat to change the filibuster rules for the Supreme Court. 

KAINE: I am predicting that if the Republicans continue to stonewall, then I think that will happen, again I’m not revealing inside intel. This is a prediction.

STEIN: No, no, no, I know, it’s what Reid has talked about basically, recently, yeah. 

KAINE: And I think that, you know, after an election, people will think about it, and I think there’s still a significant likelihood that Merrick Garland will get a vote before the end of the year. But we’ll see.

STEIN: And you’d be happy with a Merrick Garland vote?

KAINE: If I am in the Senate and Merrick Garland comes up, I’m voting yes, because, the way the character and fitness test for advise and consent positions was set up, it’s just supposed to be, is the person a fit character? He gets so far over that hurdle. I don’t know that anybody would get over that hurdle higher than Merrick Garland will. So I’m voting for him, if he comes up. 

STEIN: You don’t think he’s bored waiting around at this point, waiting to go back to law practice? 

KAINE: I mean, I’m sure he is. 

TERKEL: Just flipping through magazines.

STEIN: What is he doing at this juncture?

KAINE: The good thing about him is he has a job. He’s on the D.C. Circuit Court of Appeals. If he was in law practice, they would’ve held a congratulations party for him the day after he got nominated. He’d be sitting in his office for months.

STEIN: So, one of the things that everyone basically says is partially responsible for why government doesn’t really function that well is just the sheer amount of money, right? And the influence.

KAINE: Yeah, I agree.

STEIN: But you guys have put out, you want to overturn Citizens United, you want to do the Disclose Act. Don’t want to get into it, but it’s essentially it would ―

KAINE: No secret money, no secret money.

STEIN: So, there’s two reforms that your opponent, Donald Trump, has introduced in the past couple weeks that would go even further than that.

KAINE: Yeah.

STEIN: One is to term-limit members of Congress.

KAINE: Yeah.

STEIN: And the other is to put a five-year ban on members of Congress and executive officials from turning around after they leave office or their positions and lobbying the agencies that they were associated with. So, why is he wrong?

KAINE: Well, look. Let me take them in reverse order. The ban on the revolving door, I don’t think that’s all bad. And there are current limitations on it. Now, how do you structure it? Because what happens is, OK there’s a ban on being involved when you get out of Congress, but then some say, “OK, well I don’t lobby, but I’ll do, you know, strategic advice” or something like that. So how do you define it so that there really isn’t a revolving door?

Look, there’s already rules about it, and can we make the rules better? I’m really open to that. 

Term limits, I think it’s a bad idea.

STEIN: Why?

TERKEL: Because you had them in Virginia, for governor.

KAINE: It’s a bad idea. I had a one-term governorship in Virginia, which I think was bad for the state. It was good for the family, but it was bad for the state. But here’s why I think it’s bad for Congress.

I worked DNC chair and as a candidate now. I’ve been in 40 states as a candidate, and I interact with a lot of state legislators who are in states where there’s term limits. And here’s what they say to me: “OK, it sounds good, but boy, I tell ya, you do term limits, then the only people who don’t have the terms are the lobbyists.”

And so the permanent institutional expertise class is now no longer the legislators, it’s the lobbyists who don’t have term limits and are there forever. 

It sounds good, but I think if you do term limits, you would really increase the power of lobbying. If you want to decrease the power, you can do revolving door stuff or you can do campaign finance reform, which is what we really want to do. And that would be more likely to check lobbyists’ power than term limits.

STEIN: Fair enough. One of the things you’re known for with respect to the Congress, even if they’re not term-limited, is you tried really hard to get the war powers away from the executive back to the legislative branch. And I know you recently said — why don’t you elaborate on why you think Hillary Clinton should do that going forward, if she were to be elected? What is the point? Don’t you think ― now you’re going to be vice president potentially, don’t you want all those powers?

KAINE: No. No.

STEIN: Why not?

KAINE: I’m going to talk to you about the issue generally, then I’m going to talk to you about the battle against ISIS right now. Use that as an example.

The issue generally. I’m a Virginia guy, so I like James Madison. And Madison wrote the ―

STEIN: Jefferson’s not happy with us.

KAINE: No, I like Jefferson, too. Jefferson and Madison both agreed on this.

STEIN: Just want to make sure. Who’s number one?

KAINE: I’m not going there. I’m actually going with Madison. Bill of Rights was Madison, I’m going with Madison.  

STEIN: Wow! We’re making news here.

KAINE: Right. So, so their thought was, they surveyed the history of the world, and they said war is for the king, the sultan, the monarch, the emperor, the executive — that’s who war is for.

STEIN: Sure.

KAINE: We’re going to change it. And we’re going to make the initiation of war for the people’s elected legislature. And then, once initiated, the president will prosecute the war — commander in chief. The reason that they did that was, they looked at history and they thought executives overreach and wage wars that they don’t need to — and I think history is filled with examples of that.

But also, there’s another moral value that’s really important. People are in the military. It’s a risky line of work. I’ve got a boy in the military deployed overseas right now.

Before you order them onto the field of battle, there ought to be a political consensus between the executive and the legislature that, this is in the national interest. We’re putting our thumb print on this mission and say, it’s in the national interest. If the executive does it but the legislature is like, “Ah, we’d rather not vote” ― it’s immoral to ask people to risk their life. 

So, the big-picture issue constitutionally for me is, get Congress on board to initiate war as a way of sending a message to troops that are overseas. We’ve already lost 20 people in the war against ISIL, and Congress hasn’t had the guts to even cast a vote.

STEIN: Let’s move it away from ISIS and foreign policy, and just talk generally about balance of powers between legislative and executive branch.

KAINE: Yeah, but I want to say one more thing about this.

The reason it’s important, and that Hillary agrees with me on this ― we look at the legal Article I v. Article II, we look at it slightly different, but we reach the same punch line, which is: We are in a war against ISIS right now. We’re moving on Mosul, maybe moving on Raqqa. But we’re using an authorization that a Congress passed on Sept. 14, 2001.

By the time the next Congress swears in, probably 70 percent of Congress was not here when that was vote was given. So it’s on autopilot. We got people risking their lives and dying, and Congress is like, “Why do we have to declare?”

And Hillary says we have to take stock of what this fight against non-state terrorism is, and there is a dialogue that goes on between an executive and legislative that educates the public and then we send a message to adversaries, a message to allies, a message to our troops, and I do think that that’s really important. OK, so now.

STEIN: OK so, if the idea here, and I think I’m getting this right, is you need to show solidarity with missions as grand as ISIS and wars. 

KAINE: Yeah.  

STEIN: Certainly, to a certain extent, you can say, OK on domestic policy there are some issues where you want to show the legislative and the executive branch have a solidarity. Sure. Now, President Obama has been criticized for using his executive authorities on climate legislation, immigration reform, and so on. So, you know, you’ve been an executive, you’ve been a senator, you’re hoping to be in the executive with purview over the Senate.

KAINE: I mean ― a hybrid.

STEIN: So, what’s your 30,000-foot picture on where this line should be in terms of a balance between these two branches?

KAINE: Yeah. Well, I do think the president’s best role is usually as the sort of initiator. If you think of big, legislative accomplishments, most of them kind of get initiated with the president putting something out there and Congress working on it.

If you think, what was the last really big, big accomplishment for the nation that came purely out of the legislature? It might be the Americans with Disabilities Act. I mean that really was a legislative creation. 

But usually the president is kind of the initiator of the idea, then Congress makes it work. And then, you know, in the war powers area, it’s well, Congress does the budget — you know, the approps, that’s not the president. The president doesn’t get a line-item veto, so all the budgetary approps stuff is with Congress. 

The executive order thing — look, it’s important to use executive orders. Every president since Washington has. And the thing about an executive order — there has never been an executive order that a Congress couldn’t say, “You know, we don’t like that so we’re going to do something else,” if there is a majority in Congress to do something else.

And so sometimes, you know, you have a court ruling that this or that executive order went beyond authority, but almost always, executive orders are within an authority and always within the purview of Congress to change if they want to legislatively change it.  

TERKEL: So you’ve talked about how a Clinton-Kaine administration could show a strong woman leading and a strong man supporting the woman in charge. So, how worried are you, though, that we could see something like we saw under Obama, where a woman, the first woman is elected to the White House and we see an increase in sexism. We elected the first black president and we saw a lot of, you know, a lot of divisions in terms of race relations. How worried are you about that?

KAINE: Well, here’s the way I look at President Obama’s election — and I was a civil rights lawyer in the capital of the Confederacy for 17 years. His election and his re-election demonstrates that we are progressing and getting better.

It didn’t create any new racial hostility. It may have brought to the surface some that was there, but I don’t think it created it. I think it normalized the idea that an African American could be president, and it is a step forward. It’s not at the end of the race in overcoming racism, but it is a step forward.

And I think we will look at this when President Obama is gone and say that in the area of race and normalizing acceptance of others around the table of leadership, we’ve taken a big step forward. We’ve still got a ways to go.

So, Hillary, if you think it through, yeah maybe some people who don’t like the idea of a woman leader will be more vocal about their feelings, but that election is going to be a big step forward in Hillary’s legacy.

I was talking to a college audience at Kenyon today and I’ve been saying this thing that, when President Obama was elected, the moment they called him the winner, before he had done anything else, suddenly, a whole group of people who could never see themselves as president said, “I can be president of the United States, and if I can do that, I can do anything.” 

And Hillary’s election is going to do the same thing. Before she takes the oath of office or does one bill, immediately — “I can be president of the United States.”

They each are creating a group of successors who had never been able to see themselves as president. That’s a step forward, but it’s not the end of sexism, it’s not the end of racism. We’re human. But it’s a step forward. 

STEIN: We have two very fun questions. 

TERKEL: Quick questions.

KAINE: OK, I’ll take one of them.

STEIN: Nah, you get two, otherwise you can’t finish the beer. First one, you’re a Bob Dylan fan.

KAINE: I am a Bob Dylan fan. 

STEIN: He wins this Nobel Prize in Literature. 

KAINE: I know!

TERKEL: Do you think he deserved it?

KAINE: Oh, yeah, oh completely. Absolutely. I’m so in the tank for this. I think this is great.

STEIN: You know, Philip Roth is a huge fan of this [show].

KAINE: Well, and Philip Roth, I mean, anybody who can write The Plot Against America, American Pastoral ― he deserves a Nobel Prize.

STEIN: That book is a little weirdly prescient in this election.

KAINE: Especially the somewhat optimistic ending, or so I’m hoping.

STEIN: All right. Why has Bob Dylan not picked up his prize? Have you been following this? He just won’t pick it up, what’s going on?

KAINE: So, who would be the equivalent of a Bob Dylan? Marlon Brando for an Academy Award, and I think there had been one or two other literary Nobel Prizes like Jean-Paul Sartre. I don’t think he picked his up.

STEIN: OK, sure, this is weird, you can admit. I know you like the guy, but it’s weird.

KAINE: No, it’s weird. It’s weird. But isn’t that part of why Bob Dylan won the prize, and why we like him?

TERKEL: Yeah, although it was controversial that he won.

STEIN: It was very controversial.

KAINE: I mean he’s not Robert Zimmerman, he’s Bob Dylan.

STEIN: Fair enough, although I would like if he went by Robert Zimmerman. It’s good for the Jews.

All right, last one. The guy you’re trying to replace, Joe Biden, has for some reason said he’d like to take Donald Trump out back and fight him.

What’s the deal with that? Is that productive? It feels like it’s playing to the lower common denominator than maybe ― If the mantra is, if they go low we go high, is that?

TERKEL: Or do you want to fight Donald Trump too?

KAINE: I’m a lover, not a fighter. I am a lover, not a fighter.

TERKEL: You’re from Virginia!

STEIN: Is this productive though, what’s going on here?

KAINE: You know what, I mean, I have no way of knowing this to be true, but my intuition is not that Joe Biden’s speechwriter thought about that and put it in the speech.

STEIN: What gave that away?

KAINE: One of the reasons people love Joe Biden is he just kind of says what he thinks. He’s a guy whose heart is on his sleeve, and that’s one of the things people love about him.

And I’ll say about Joe, I have really learned a lot from him. Some, because of things he’s told me, but some just watching the way he’s done his job. This is a supporting job that gives you an enormous ability, but you also have to be really loyal.

STEIN: Sure.

KAINE: I’ve been a lieutenant governor to a great governor, Mark Warner, I’ve been a DNC chair to a great president, Barack Obama. Both are supporting roles. So I have had supporting roles like the role I may go into.

STEIN: Is that the model you want to follow, the Biden model?

KAINE: Yeah. The Biden model really has been the model, sort of, since Mondale, and that is, let me be your chief adviser, the last person in the room, give you my best advice, but it’s also two-way, I’m going to give you my best advice, but also learn from you. And, let me take on a few projects. I have some projects based on being mayor and governor and living in Latin America and doing a lot ―

STEIN: I’m going to get killed by your advisers, but what are your projects you want to take on?

KAINE: Well, I mean, no surprise, and Hillary has talked about this too, but one of the first two bills out the gate is an economic acceleration package to grow jobs. No bill works if it doesn’t work in a zip code where somebody lives.

I’ve been a mayor and governor doing economic development deals. I was also a civil rights lawyer caring about the fairness and equity of the justice side of this, so I think I could do some things in connection with the economic development effort to really make it work, you know, where people live.

And then the second thing is, having spent time in Central America, and having Spanish fluency, and knowing that secretaries of state usually fly east-west all the time ― you know, we have 37 nations in the Americas and Caribbean, a billion people, we are without war, really, for the first time in our recorded history, other continents can’t say that.

I think there are a lot of opportunities in the Americas that matter deeply to 45 million Latinos in this country, and I would hope to be able to work to maybe elevate the profile of the Americas in our discussion about American global leadership. 

STEIN: When you say we’re without war, you meant in our North-South Hemisphere, right?

KAINE: Yeah, even after the referendum failed in Colombia, the U.S. helped that Colombian peace process end the civil war, then the referendum to ratify it failed, but both sides have said they’re not going back to war.

We’re going to have to work on the legal status, but peace should be our future. And when that ceasefire went into place, and in the Americas there are other challenges ― we’re human, obviously ― but to have no war for the first time in history, as far as I can determine, that’s a big deal.

STEIN: I would love to talk to you about the referendum on the Colombian civil war, but Karen Finney will literally rip my head off.

KAINE: Yeah, I mean, of course, because we’re in Colombia! Cause we’re in Colombia! No, I’m sorry, Columbus.

TERKEL: Thank you, it was great having you, thank you.

STEIN: Sen. Kaine, America’s Dad, and perhaps, the future vice president. And thank you of course, to the Land Grant Brewing Company for hosting us.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 6 hours ago.

Startup investor Scott Belsky shares five big predictions for the future of technology

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Startup investor Scott Belsky shares five big predictions for the future of technology Every now and then, it’s a fun and healthy challenge to think distantly. Sure, we already expect self-driving cars, wearable hardware, a connected home, and augmented reality. But where does the foreseeable future take us next? I’m talking more Black Mirror than investor thesis. What new problems will we be struggling with? What will kill us? What will connect us? While solutions change, some questions will always remain. If only to stimulate discussion among friends, here are a few forecasts on my mind these days:

1. *Social media will become passive.*
2. *Our (augmented) reality will be a land grab, and always be under attack from brands.*
3. *Interfaces will compete with the technology underneath.*
4. *Autonomous vehicles in cities will become a public utility.*
5. *We will transcend “tragedy of the commons” with technology that aligns self-interests with community benefits.*

Allow me to explain, as well as share some implications for each:

*(1) Social media will become passive.*

The concept of actively “posting” or “sharing” will be frowned upon and entirely replaced by a passive stream of your life’s experiences, whereabouts, and media consumption. Imagine a 24 hour channel of you that is authentic, aways live (or automatically programmed), and always accessible to your friends (or if you’re born in the age of transparency (post year 2000), accessible to anyone). Any effort to actively post something will be seen as “manual editing” and will be perceived negatively unless it is an artistic statement. Quality will be community and algorithmically-determined, surfacing the highlights of your experience in a way that is automatic and thus deemed more authentic. Implications?

· So many social products and new forms of advertising will emerge to accommodate *the era of passive social*. Viral growth of new products and media will happen more naturally based on how many people are tuning into you. Simply, whatever you’re doing or consuming is what other people will discover.
· Typical forms of paid user acquisition will become obsolete, replaced by product placement and “experience placement.” The prices you pay for products and services in your life will be offset by the exposure you bring. The bigger your network (and the better your “CFV” (Conversion From Viewers, a measure of how actionable your content is for those that follow you), the less your life will cost!
· I am struck by the idea of trusting automation over what someone does manually. It’s the evolution of how we are drawn to inferior photos on Snapchat in a more primal way than carefully posed and edited photos on Instagram. The objectivity of algorithms over the subjectivity of human tendencies may cause us to “trust” algorithms more. We value an unedited photo and “collective intelligence” for the same reasons — they make us less paranoid that we’re being lied to (and thus help us believe and relate). With the loss of “manual editing,” social media will become a more effective form of empathy and truth.
· Given the passivity of social networks, their relevance will rely on context. Social networks will pop into and out of our life depending on where we are, what we’re doing, and what we want. Visiting Spain for Christmas? Expect to have “contextual ephemeral social networks” (sorry) that enable you to navigate, connect and plan activities with other friends in Spain during the week you are there. When the trip ends, the network will disappear.

*(2) Our (augmented) reality will be a land grab, and always be under attack from brands.*

Personally, I’m more bullish about augmented reality than virtual reality. The augmented layer opens up a ton of exciting (and horrifying) ways for brands, friends, governments, and artists to get in your line of sight based on where you are and when you’re there. Quite quickly, I see it getting out of hand. While the physical world has practical limitations that keep billboards at bay, the augmented world won’t. To get a feel for how bad this could be, check out this video. Implications?

· Perhaps “ad blockers” will be the most important apps in the era of augmented (and virtual) reality? Whatever platform and device you use to augment your reality, advertising is the most likely business model. If the increasing number of paid search results in a typical Google search today is any indication, your augmented reality will constantly be under siege. To fight it, you’ll install intelligent or crowd-sourced filtering software that will override unwelcome parts of your augmented reality experience.
· Perhaps the major platforms for augmented reality will designate certain zones as commercial or non-commercial? Zoning has worked well enough for governments. I can see your home — and all other private property — being designated as “non-commercial,” and thus off-limits to advertising. If Snapchat’s filter submission and approval system is any indication, augmented reality will be an unprecedented land grab akin to the domain-name craze in the nineties.

*(3) Interfaces will compete with the technology underneath.*

A few years ago I shared my excitement for the “interface layer: where design commoditizes tech,” and how superior interfaces will aggregate multiple services underneath. In the future, we will want fewer interfaces in our lives — and these interfaces will integrate all sorts of utilities into a simple flow. Examples?

· Modern *interfaces will revolutionize how we plan our day* by aggregating the disparate services we wish to schedule, from rides and food to babysitters, into a single interface. The underlying providers of such services will compete for presence in the interface, based on price and revenue share with the interface itself.
· The *interfaces we use at work will become customizable*. People will be able to choose and customize the “skin” for the tools they use in the enterprise. Consumerization of enterprise technology will bring us to a place where productivity and employee morale is meaningfully higher when interfaces are user-friendly and custom.
· Interfaces will *change the way we get customer service* from companies and governments, negating the need to interact directly with cable companies, utilities, or government websites. The interface companies will monetize by proactively suggesting optimizations to your plans (saving you money) — or offering premium ways of saving time. These modern interfaces will empower customers and citizens by stripping away the benefits of friction enjoyed by providers (companies and governments rely on how damn difficult it is for us to do certain things!).
· And for the left-field prediction, *an entirely new mobile operating system will emerge that is location-centric rather than app-centric*. In a modern world where we want fewer interfaces with interconnected functionality, it is time to rethink mobile. Functionality should be visible and then hidden based on where and when we are, rather than what apps we installed. In fact, apps shouldn’t exist. Whatever we need (whether we know it or not) should be at our fingertips, and (no surprise) our voice command should summon anything we want.

*The biggest implication of the emerging interface layer is ruthless competition to be the default*. The utility-based providers underneath these interfaces will be pressed on margins and will compete to be the default provider in the interfaces we use on a daily basis. To survive, the providers will focus more on optimizing the cost-efficiency of their services rather than spending money building their brand and relationships with customers.

*(4) Autonomous vehicles in cities will become a public utility.*

When (not if) all transportation within a city’s limits becomes automated and increasingly regulated, cities will rethink infrastructure and public transportation. Some citiesalready see Uber as a solution to “last mile” transportation quandaries. Perhaps planning and scheduling software for public transportation becomes more important than the commoditized technology in the vehicles themselves. Perhaps transportation will join the ranks of water and electricity? Implications?

· A whole series of questions emerge: Will on-demand and autonomous transportation data become a public asset? At what point will mass transit adopt autonomous vehicles and become completely automated? Will the future of mass transit be operated by governments or private companies? Will companies that create technology to plan and schedule mass transit for government (like Remix Software) commoditize the tech that performs the transportation? As an Uber investor, i’m mixed about this, but I believe Uber’s dataset alongside its advances in autonomous technology will be its moat.
· On the topic of autonomous vehicles, I was thinking the other day about the consequences of preset routes and what would happen when vehicles “disobey.” Call it a CGW — “car gone wild” — when a vehicle, with or without passengers onboard, begins to roam either out of bounds or off the set schedule or route (attention Black Mirror writers!). Perhaps the vehicle was hacked? Or perhaps conflicting instructions around traffic conditions or passenger destinations, coupled with artificial intelligence, take the vehicle on an unexpected course. Ultimately, government safety officers must be equipped to control anything that runs automatically.

*(5) We will transcend “tragedy of the commons” with technology that aligns self-interests with community benefits.*

The “tragedy of the commons” is the unfortunate human tendency to take advantage of shared-resources out of self-interest, thus depleting the benefits everyone could enjoy through collective action. Back in the day, farmers would take their livestock and selfishly deplete the town commons before returning to their own lands (which they would sustain thoughtfully). If everyone just agreed to graze the commons sparingly, it would last and benefit everyone. But self-interests obstruct the common good. People who abuse insurance spike prices for the rest of us. People who cheat taxes cause the rest of us to pay more. Through increased transparency, networks, and artificial intelligence, technology will enable us to collectively regulate and align our interests. Implications?

· Any product or service that bakes in a cost for “bad actors” can be transformed. The way we buy insurance, get mortgages, and pay taxes may change once we can unbundle the costs and align our interests with larger groups of likeminded people. Would you pledge to eat healthier to lower your health insurance premiums? Would you pledge to drive safely and disclose the speed of your driving for cheaper insurance? As technology permeates our everyday actions, you’ll have the option of surrendering a degree of self-interest for lower prices.
· Social networks will reduce the frequency of abuse and trolling through new tools powered by human curation and artificial intelligence that diminish the reach of bad actors. If you troll or fail to participate in the collective efforts to protect the platform, your voice will be heard less. To be anonymous and still be a steward of the medium is the future of freedom of speech.
· Your reputation will become portable, recognized and rewarded beyond the brands and governments from whom you earned it. If you have a history of over-using customer service or being an outlier on the cost curve, you may not be eligible for better pricing.
· Collective bargaining networks will become the default source for certain insurance and financial products. Bartering and “favor based” economies will become more mainstream as equality can be tracked.

*What to do with forecasts?*

Forecasts for the future are not an investment thesis. The future won’t happen until the present is ready for it. One of the things I’ve learned from the partners at Benchmark is just how important it is to invest with a tremendous insight into the present. But for a seed investor, product leader, or entrepreneur, forecasts for the future add a new lens to pattern recognition. Aside from what I look for in a founder, team, and product, I try to determine whether the future is a headwind or a tailwind for a company. Is the team attempting to defy a likely outcome or make it happen in a better way?

If nothing more, considering the future exercises our imagination and sparks conversation and debate with people you can learn from. Bring it. ;-)

*Scott Belsky is an entrepreneur, author, and investor. Scott co-founded Behance in 2006, and served as CEO until Adobe acquired Behance in 2012. He's now a venture partner at Benchmark Capital.*

This post originally appeared on Medium, and is reprinted with the author's permission.

Join the conversation about this story »

NOW WATCH: A neuroscientist explains why going to a chiropractor may be a waste of money Reported by Business Insider 9 hours ago.

Economist Predicts Rising Obamacare Costs Will Lead To Riots

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Economist Predicts Rising Obamacare Costs Will Lead To Riots Now that it is widely accepted by everyone except the president in denial, that Obamacare is an epic debacle, one which boosts GDP because it is fundamentally a tax that counts toward healthcare expenditures yet takes away from other discretionary spending leading to a downtrend in overall US consumption, most also have an opinion on how it unwinds. However, few are as gloomy as economist Chris Butler of Butler, Lanz and Wagler, who discussed the rising cost of health insurance plans rising next year under the Affordable Care Act, and said he expects riots as the populace begins to expresses outrage upon learning many will be priced out of health care options.

Butler told Chris Stigall on Talk Radio 1210 WPHT to expect more public demonstrations of anger as prices move upward.

Cited by CBS Philadelphia, Butler said that “right now, I think you do have to say that A, it’s failing and that B, I think next year, you’re going to have a bunch of people that don’t get the subsidies that make the premiums a little bit *more affordable that are just going to riot because it’s just too expensive for most people if you don’t qualify for subsidies.*”

Butler said he still objects to court rulings siding with the government requiring individuals to purchase insurance or pay a penalty. In that case, he will be even angrier to learn that according to Obamacare architect Jonathan Gruber, the "solution" to prevent millions of Americans opting to pay penalties instead of be enrolled, is to hike the penalty even more.

“You can go back to the Supreme Court decision on this. I’m still shocked that we are being told that our constitution says that it is allowable to force to people to buy something. When I hear people talk about forcing them, not only to buy something, but to make the penalty stiffer if they don’t, I just get queasy.”

Butler told WPHT there could be simple solutions to lower costs and cites buying plans across state lines as an example.

“Do you know what New Jersey is anticipating, their’s is considerably less, as I recall, than Pennsylvania, yet we are not allowed to cross state borders to buy insurance. There are a lot of states, by the way, that have big cities on borders that are actually going to have huge increases but they border on a state that is quite reasonable in its growth in premium costs. We talked about that while all of this was being discussed back in 2010, some of the quick fixes you could make that would have a difference to our healthcare system, that was one of them, allow people to buy insurance across state lines to help equalize some of this stuff.”

Well, according to many the US is on the verge of full-blown rioting and even civil war on any given day: might as well throw in one more catalyst that will unleash chaos. After all, as Krugman said in March, "*The important point about war from macroeconomic point of view is that it was a very large fiscal stimulus" * Reported by Zero Hedge 6 hours ago.

Bronze, silver, gold: Which health insurance tier best buy for you?

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It's open enrollment season. Here’s how to decide which metal tier is right for you.

 
 
 
 
 
 
  Reported by USATODAY.com 20 hours ago.
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