Medical math
In my left hand is a bill from the doctor. In my left hand is a copy of the insurance company's processing of a claim for the same service.
The doctor's bill claims they sent the insurance company a bill for $140.
The insurance company, which provides an itemized list of the billed services, says they were billed $73.
The insurance company says they paid $25, because a) the doctor charged $20 for something not covered and b) overcharged for the rest.
The doctor claims he got $47.79. (Not counting the $50 copay for the visit.)
The doctor says I owe $10.46. Why exactly isn't clear, since his math isn't even in the ballpark. ($140 minus $47.79? Or even $73 minus $47.79?)
The insurance company doesn't say I owe anything, but if the $20 charge isn't covered, obviously that would be the likely amount.
So what do I do?
Write a check for $10.46 and go have a beer.
In my left hand is a bill from the doctor. In my left hand is a copy of the insurance company's processing of a claim for the same service.
The doctor's bill claims they sent the insurance company a bill for $140.
The insurance company, which provides an itemized list of the billed services, says they were billed $73.
The insurance company says they paid $25, because a) the doctor charged $20 for something not covered and b) overcharged for the rest.
The doctor claims he got $47.79. (Not counting the $50 copay for the visit.)
The doctor says I owe $10.46. Why exactly isn't clear, since his math isn't even in the ballpark. ($140 minus $47.79? Or even $73 minus $47.79?)
The insurance company doesn't say I owe anything, but if the $20 charge isn't covered, obviously that would be the likely amount.
So what do I do?
Write a check for $10.46 and go have a beer.
Rangers at Dieppe
A couple of people have asked about the photo where the Ranger was misidentified as a Canadian. This is it. Ranger Henry is in the middle distance.
For a full explanation and a better picture, you can check out Rangers at Dieppe, available on line at B&N, among others, here. (I got the hint that this might be an American from a Canadian; the full story is in the book.)
A couple of people have asked about the photo where the Ranger was misidentified as a Canadian. This is it. Ranger Henry is in the middle distance.
For a full explanation and a better picture, you can check out Rangers at Dieppe, available on line at B&N, among others, here. (I got the hint that this might be an American from a Canadian; the full story is in the book.)
Larry's new game
Persian Incursion is a simulation war game that presents a timely what-if: What if Israel tried to take out Iran's nukes? Could it?
The answer: it depends. (But it's definitely doable.)
You can order the game here, among other places.
Persian Incursion is a simulation war game that presents a timely what-if: What if Israel tried to take out Iran's nukes? Could it?
The answer: it depends. (But it's definitely doable.)
You can order the game here, among other places.
There is no border there
Item:
There have been numerous stories and accounts in all sorts of places explaining a) why this is necessary and b) the fact that, contrary to news accounts . . . well, never mind.
If you're going to deal with the "militants," you have to hit them where they live. Giving them safe haven anywhere, let alone in a place where they've been steadily intermarrying and otherwise integrating into the social fabric, makes exactly zero sense.
Pretending otherwise is ridiculous.
And I'm waiting for someone to show me the thick bright line on the ground between the two countries.
Item:
NATO today denied a report saying that top U.S. military commanders are considering launching elite ground raids into Pakistan to try to capture or kill militants along the border with Afghanistan, and speed up security gains before American troops start pulling out in July 2011.
There have been numerous stories and accounts in all sorts of places explaining a) why this is necessary and b) the fact that, contrary to news accounts . . . well, never mind.
If you're going to deal with the "militants," you have to hit them where they live. Giving them safe haven anywhere, let alone in a place where they've been steadily intermarrying and otherwise integrating into the social fabric, makes exactly zero sense.
Pretending otherwise is ridiculous.
And I'm waiting for someone to show me the thick bright line on the ground between the two countries.
Bad news for Iran
Item:
Item:
A test of the United States' only long-range missile defense system failed Wednesday -- the second failure this year in two tries.The Pentagon's Missile Defense Agency said both the intermediate-range ballistic missile target and the long-range interceptor missile launched successfully, radar and sensors worked properly and the "kill vehicle" deployed. But the "kill vehicle" didn't hit the target.
"Program officials will conduct an extensive investigation to determine the cause of the failure to intercept the target," the agency said. "The next flight test will be determined after identification of the cause of the failure."
The less chance of intercepting their missiles, the more chance of an attack.
(CNN story here. Eventually, this WILL work. It's just a question of when "eventually" is . . .)
More on a Dieppe Ranger
I was recently very lucky to be contacted by some of the surviving members of Howard Henry's family.
Readers of Rangers at Dieppe may remember that Henry died on the beach during the attack; I was able to determine that he's the American misidentified as a Canadian in one of the most famous photos of the battle and its aftermath.
The family was kind enough to provide me with some additional information, and help me correct one thing that's wrong in the book. Contrary to what I had thought from my research, Henry was not shipped back to the U.S. after the war, but rather is buried in Normandy.
(If you haven't read the book: Attached as an observer to a Canadian unit, he went out on one of the bloodiest beaches. There's no real indication of when or exactly how he died, but even getting out of the landing craft at that point would have taken an immense amount of courage.)
Interestingly, Herman had been in the cavalry before going to Europe and joining the Rangers. I haven't looked through all the records, but that may make him one of the few original Rangers with that background.
He was T-4 at the time of his death; that would be roughly the equivalent of a sergeant today. You generally got that rank because of a service specialty, but at this point I'm not sure what Henry's was. It wasn't listed in the original records.
I'll post more updates as I get them. (You can go my Rangers at Dieppe website here; I haven't updated it with the new information yet.)
I was recently very lucky to be contacted by some of the surviving members of Howard Henry's family.
Readers of Rangers at Dieppe may remember that Henry died on the beach during the attack; I was able to determine that he's the American misidentified as a Canadian in one of the most famous photos of the battle and its aftermath.
The family was kind enough to provide me with some additional information, and help me correct one thing that's wrong in the book. Contrary to what I had thought from my research, Henry was not shipped back to the U.S. after the war, but rather is buried in Normandy.
(If you haven't read the book: Attached as an observer to a Canadian unit, he went out on one of the bloodiest beaches. There's no real indication of when or exactly how he died, but even getting out of the landing craft at that point would have taken an immense amount of courage.)
Interestingly, Herman had been in the cavalry before going to Europe and joining the Rangers. I haven't looked through all the records, but that may make him one of the few original Rangers with that background.
He was T-4 at the time of his death; that would be roughly the equivalent of a sergeant today. You generally got that rank because of a service specialty, but at this point I'm not sure what Henry's was. It wasn't listed in the original records.
I'll post more updates as I get them. (You can go my Rangers at Dieppe website here; I haven't updated it with the new information yet.)
Taxes and Cliff Lee
In the frenzy over whether Cliff Lee will choose the Yankees or the Rangers, a number of sports reporters have generated stories on how Texas has a huge advantage over NY because of the state and city tax rates.
Hopefully the reporters get someone else to do their taxes.
First of all, in Lee's bracket, the tax professionals do a heck of a lot more than pump in a couple W2s on the return and efile the sucker. Tax planning is an art as well as a science. But just to show how silly the whole process is, let's say for the sake of argument that by playing in New York, Lee will subject himself to state and city taxes at the highest rates - 8.6 percent and 3.65.
That's 12.2 percent. Of course, that's the highest rate, not the actual effective rate, but why quibble?
At $23 million a year - I'm arbitrarily choosing the $140/6 year offer - that would work out to $2.8 mil a year in taxes. Decent money, even for a millionaire. (It's also where most of the first wave of stories stop.)
Except that Lee almost certainly wouldn't live in NYC, so he'd only be taxed on the games that he played here (the rest are taxed by the other cities, just as they would be if he were a Ranger). So slice that bill in half = $1.4 million.
Thing is, he also gets some credit on his federal tax return for paying local taxes, the same as you do. Even a simple return starts to get complicated from this point, but even with generous rounding in the government's favor the bill is down to $1 million per year. That's not even half the amount of extra money he'd pick up in endorsements in NYC over Texas. Even if he didn't want to do those endorsements, do you really feel the Yankees would lose Lee over a million dollars a year?
The truth is, Lee's choice ISN'T going to be about money, let alone taxes. He's getting a boatload no matter what. If he chooses Texas over the Yankees, it's not going to be because the state doesn't have income tax - it's because he wants to play there. And vice versa.
Whichever team he doesn't choose will just have to live with that.
In the frenzy over whether Cliff Lee will choose the Yankees or the Rangers, a number of sports reporters have generated stories on how Texas has a huge advantage over NY because of the state and city tax rates.
Hopefully the reporters get someone else to do their taxes.
First of all, in Lee's bracket, the tax professionals do a heck of a lot more than pump in a couple W2s on the return and efile the sucker. Tax planning is an art as well as a science. But just to show how silly the whole process is, let's say for the sake of argument that by playing in New York, Lee will subject himself to state and city taxes at the highest rates - 8.6 percent and 3.65.
That's 12.2 percent. Of course, that's the highest rate, not the actual effective rate, but why quibble?
At $23 million a year - I'm arbitrarily choosing the $140/6 year offer - that would work out to $2.8 mil a year in taxes. Decent money, even for a millionaire. (It's also where most of the first wave of stories stop.)
Except that Lee almost certainly wouldn't live in NYC, so he'd only be taxed on the games that he played here (the rest are taxed by the other cities, just as they would be if he were a Ranger). So slice that bill in half = $1.4 million.
Thing is, he also gets some credit on his federal tax return for paying local taxes, the same as you do. Even a simple return starts to get complicated from this point, but even with generous rounding in the government's favor the bill is down to $1 million per year. That's not even half the amount of extra money he'd pick up in endorsements in NYC over Texas. Even if he didn't want to do those endorsements, do you really feel the Yankees would lose Lee over a million dollars a year?
The truth is, Lee's choice ISN'T going to be about money, let alone taxes. He's getting a boatload no matter what. If he chooses Texas over the Yankees, it's not going to be because the state doesn't have income tax - it's because he wants to play there. And vice versa.
Whichever team he doesn't choose will just have to live with that.
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