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Americans Saved Billions Thanks To The Affordable Care Act And Here’s How……


By Jueseppi B.







Good News: Americans Saved Billions Thanks to the Affordable Care Act – And Medical Loss Rebates Are On the Way


Jeanne Lambrew
June 06, 2013
01:12 PM EDT
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According to a new report, Americans buying individual market health insurance saved $1.2 billion in 2011 and $2.1 billion in 2012 because law has begun to hold insurance companies accountable.


Under the Affordable Care Act, insurance companies are required to spend 80 to 85 percent of premium dollars on medical care and health care quality improvement, rather than on administrative costs. If they don’t, the insurance companies must provide a rebate to their customers. Last year, over 13 million consumers received $1.1 billion in rebates – the average consumer rebate was around $151.


Today a new analysis from the Kaiser Family Foundation provides the most complete look yet at the benefits of the policy. In addition to rebates from insurers who are charging more for overhead than care (those with medical loss ratios below 80 percent), the report estimates the savings that resulted from insurers exceeding 80 percent, who provided more value for each consumer dollar than history shows they otherwise would have.


The study found that the average medical loss ratio went from 78 percent in the individual market in 2010 to 83 percent in 2012 in the individual market. Had medical loss ratios remained at 2010 levels, premiums would have been much higher than they actually were. Combining these savings from better medical loss ratios with rebates, the Kaiser analysis estimates that the 80 / 20 rule yielded $3.2 billion in lower health care costs to consumers – not counting savings to employers’ health plans.


And the 2012 rebates for consumers are on their way. While final rebate totals are still being tallied, some States are reporting early results. According to the Los Angeles Times, so far, insurers in California will provide rebates totaling $44.5 million by August. For example, Blue Shield of California will provide $24.5 million in rebates to 29,000 small businesses with 90,000 enrollees. Kaiser Permanente will provide $2.7 million to 66,000 enrollees in the individual market


In addition to these rebates, consumers are also seeing the type of premium savings that the Kaiser report describes. According toThe Tennessean, Blue Cross Blue Shield of Tennessee provided its enrollees with rebates of $8.6 million for 2011 because its medical loss ratio was 76.6 percent for individual policy holders. However, in 2012, it improved its medical loss ratio to 83.1 percent – providing significantly more health care and quality for their consumers’ dollars.


In the coming month, the Department of Health and Human Services will report on the final rebates for 2012 which insurers must provide by August 1, 2013. And later this summer, we’ll add to the early results of health care law’s rate review policy that requires insurers to justify double-digit rate increases: according to data from the beginning of the year, the proportion of proposed rate increases of 10 percent or more dropped from 75 percent in 2010 to 14 percent in 2013. Meanwhile, today’s report is yet another reminder of how the health care law is working to lower health care costs for American people.




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Still Supporting YOUR 2nd Amendment Right…. To Die From Gun Violence?

By Jueseppi B.



LAPD on manhunt for ex-LAPD officer: Suspect Christoper Dorner, former sniper Credits: NBC
Hat Tip/Shout Out to the ExaminerLA Times & WGN TV.
The LAPD is on a manhunt on Thursday morning in Los Angeles for an ex-LAPD officer who threatened warfare against police in an online manifesto and who has so far allegedly shot three police officers and two women. The Los Angeles Times reports on Thursday, Feb. 7, 2013, that local, state, and federal authorities are involved in the massive manhunt.

The ex-LAPD officer, 33-year-old Christoper Jordan Dorner, is suspected to have shot three police officers, one of them fatally, early Thursday morning in Riverside County.


Two women who were delivering newspapers in Torrance were shot by the former Los Angeles Police Department officer while the manhunt is under way. One woman was shot in the hand, the other in the back.


Christoper Jordan Dorner is believed to be driving a 2005 Nissan Titan and freeway signs in Los Angeles are asking motorists to call 911 if anyone spots the ex-LAPD officer’s vehicle.


The LAPD and the CHP are on a citywide alert and have issued a “blue alert” for nine Southern California counties warning that the ex-LAPD officer is “”armed and extremely dangerous.”







The former LAPD officer suspected in shootings targeting law enforcement and their families warned in an online manifesto that he had a deep understanding of the tactics being used to stop him, was heavily armed and planned far-reaching violence.


Christopher Jordan Dorner, 33, posted the 6,000-word manifesto on his Facebook page following the killings of the daughter of a former Los Angeles Police Department captain and the woman’s fiance. Monica Quan and Keith Lawrence were found dead Sunday night in their car in Irvine.


Dorner is also suspected in the shootings Thursday of three police officers, one fatally, in Riverside County.







The manifesto promised a “violence of action,” a military term for swift, surprising, overwhelming force.


Dorner, a former Navy reservist who has undergone training at the Navy and Marine Corps Intelligence Training Center in Dam Neck, Va., said he was equipped with a sophisticated “Barrett .50” sniper rifle that would leave law enforcement vehicles useless. The rifles are sometimes used to stop vehicles with a round to the engine block.


Dorner said he also was carrying shoulder-launched, surface-to-air missiles for attacks to defend against “airships or gunships.”


“I have the strength and benefits of being unpredictable, unconventional, and unforgiving,” Dorner wrote.


Numerous law enforcement officials were mentioned by name as potential targets, but he warned that he was casting an enormous net in his effort to spread the killing.


“I will bring unconventional and asymmetrical warfare to those in LAPD uniform whether on or off duty. [Intelligence, surveillance, and reconnaissance] is my strength and your weakness. You will now live the life of the prey,” he warned.




PHOTOS: Manhunt for ex-LAPD officer


Ex-LAPD officer threatened to kill in online manifesto


Ex-LAPD cop tried to steal boat, flee to Mexico, authorities say




Two Riverside Police Department officers were shot around 1:30 a.m. Thursday while they were on routine patrol near Magnolia and Arlington, police said.

The officers were apparently stopped at a light when they were ambushed. Both officers were hit, but they were somehow able to radio for help.


The officers were taken to Riverside Community Hospital, where one was pronounced dead. The other was undergoing surgery and was in unknown condition.


A command post has been set up at Arlington and Brockton. School has been canceled for Thursday at Notre Dame High School.


In addition, an LAPD officer was reportedly shot and suffered a graze wound in the area of Magnolia and the 15 Freeway in Corona.


A command post has been set up on the Magnolia overpass to the 15 Freeway.


Corona police said that schools in the area have been alerted to the ongoing situation, but that classes are continuing as normal.


Dorner is believed to be driving a black Nissan Titan pickup, California license plate 8D83987 or 7X09131. He may have changed the plates to elude authorities.


Dorner is wanted for allegedly killing Cal State Fullerton assistant basketball coach Monica Quan, the daughter of a former LAPD officer, and her fiance, Keith Lawrence.


The couple was found shot to death in the parking lot of their upscale apartment complex in Irvine on Sunday night.


Authorities say that Dorner wrote an online manifesto threatening to harm police officials and their families.


Law enforcement sources said police have placed security at the homes of L.A. police officials named in the manifesto and believe Dorner has numerous weapons.


In the online postings, Dorner specifically named retired L.A. police captain Randy Quan, the father of Monica Quan.


Randy Quan apparently served as Dorner’s representative in the process that ultimately led to Dorner’s dismissal.


Dorner was fired in 2008 for allegedly making false statements about his field training officer, who he accused of kicking a suspect.


The LAPD Board of Rights found that the complaint was false and terminated his employment for making false statements. He appealed the action.


Dorner said in his online postings that being a police officer had been his life’s ambition since he served in the police Explorer program.


He said it was the LAPD’s fault that he lost his law enforcement and Navy careers, as well as his relationships with family and close friends.


Dorner claimed he suffered from severe depression and was filled with rage at the people who forced him from his job.






He complained that Quan and others did not fairly represent him at the review hearing.


“Your lack of ethics and conspiring to wrong a just individual are over. Suppressing the truth will leave to deadly consequences for you and your family.”


“There will be an element of surprise where you work, live, eat, and sleep,” he wrote, referring to Quan and several others.


“I never had the opportunity to have a family of my own, I’m terminating yours,” he added.


In the document, he threatens violence against other police officers.


“The violence of action will be high…. I will bring unconventional and asymmetrical warfare to those in LAPD uniform whether on or off duty,” Dorner wrote.


Dorner also seemed to allude to the double murder in Irvine in the manifesto.


He says he he knows people who know him “are in disbelief” about media reports that he’s suspected of “such horrendous murders.”


“Unfortunately,” he said, “this is a necessary evil that I do not enjoy but must partake and complete for substantial change to occur within the LAPD and reclaim my name.”


Dorner’s last known address is in La Palma. He is described as a 6-foot-tall African American who weighs about 270 pounds, and has black hair and brown eyes.


Anyone with information is asked to call a tip line at (714) 724-7192. If you see Dorner, you should call 911 immediately.


Thank you to The  ExaminerLA Times & WGN TV.



From Ms. Emily L. Hauser:


1,600 Americans fatally shot since Newtown.


More than 1,600, actually. In 55 days.


That averages out to 29 people a day. On Christmas, 30 Americans were killed by guns. On New Year’s Day, it was 58. On Martin Luther King Day, 28. Last Thursday was a good day — only 13 Americans were shot to death that day.


Click here to see Slate’s utterly breath-taking graphic of the gun-death tally since December 14, the date of the Newtown massacre.


  • Call Congress: 202-224-3121
  • Call the White House: 202-456-1111
  • Find your Senators by clicking here (if you’d rather send an email, you’ll find that information here, too).
  • Find your US Representative by clicking here (if you’d rather send an email, you’ll find that information here, too).



 The problem with the second amendment is twofold: 1). It was written in 1791. I have said for years the second amendment needs to be repealed/abolished. The entire U.S. Constitution needs to be revised to reflect the year 2013, not 1791, when it was drafted. There is no reason on earth a document written in 1791 should govern a nation in 2013.

2).  It was written specifically for the weapons of the day, which were flintlock pistols and black powder muskets. It was also written to protect caucasian slave owners and all frightened caucasian citizens…from the African slaves brought over in the belly of slave ships from the Continent of Africa, in case of slave uprisings.


The second amendment, or which Americans are so damn proud, needs to be repealed/abolished. ASAP.












Mayors Against Illegal Guns





Mayors Against Illegal Guns is flying more than 100 gun violence survivors and family members of victims to Washington, D.C. to meet with their members of Congress next Tuesday and Wednesday.

They’re coming to share their personal stories of tragedy and loss. They’re coming to deliver more than 1.2 million petitions in support of common sense gun reform — including yours. They’re coming to Demand A Plan to end gun violence in America.


There has never been a moment like this before in the history of our country. More than 100 people whose lives have been changed forever by gun violence are going to be heard by Congress at a crucial moment.

Survivors and family members from mass shootings in Newtown, Aurora, Oak Creek, Tucson, and Virginia Tech. And those who have lived with the cost of the 33 Americans who are murdered with guns every day.

There’s no one better to share the message that we need to fix our broken gun laws. With your support, Mayors Against Illegal Guns will make sure their voice — and yours — is heard by Congress.

Please help Demand A Plan.



Thank you for your support,

Mark Glaze
Mayors Against Illegal Guns






Another Black Male Slain, Murdered, By “Law” Enforcement

By Jueseppi B.







A fake 911 call made by Oscar Carillo, 26, led Pasadena, California police officers to kill an innocent college student whom they thought was guilty of robbery, reports the Daily Mail.


This story got exactly 1 minute and 7 seconds on the CNN news.


Carillo, a Latino cellular store worker, placed a 911 call Saturday night to report that two young African American males had stolen his backpack with a laptop inside of it out of his car. He alleged that they were wearing head-to-toe black. He said one was armed with a weapon. Carillo then changed his story and said both teens were armed. Carillo told police that the boys were traveling on foot on Orange Grove Blvd.


According to Pasadena Police Chief Philip Sanchez, the erroneous chain of events and tragic end result was ignited by that phony phone call and accounts for the mindset of the officers, who wound up killing 19-year-old Kendrec McDade because they thought he was armed with a gun.


When two officers spotted McDade and a 17-year-old unidentified accomplice walking alongOrange Grove, they approached them. Reportedly, McDade ran from the officers until another policeman used his cruiser to corner him in an alley. Police said that McDade allegedly made a motion towards the waist of his pants and that’s when they opened fire.


McDade, who was a college student and football star, died as a result of the gunshot wounds. When police questioned Carillo about his phone call to 911, he admitted that his plea for help was partly fake.


He said he had made up his story about the suspects being armed in order to speed up police response. Investigators believe that Carrillo knew the two suspects. Carrillo said that he recognized them in part because they patronized the cellular store at which he is employed.


As the investigation progresses, detectives have now determined that there are many inconsistencies to Carillo’s story. One thing is clear: both McDade and the other teen were unarmed. Investigators never found a backpack or a laptop on either of the men.


According to the McDade family’s lawyer, Caree Harper, ”His [Carillo] brazen lie triggered a series of events that caused my client’s son to be killed on the street like a dog, and we want justice,” he told the Pasadena Sun.


Harper suspects that Carrillo “knew that by saying black men robbed me in hoodies, it would trigger an expedited response from the police department, and he got just that. This man lied about about one thing, so he could lie about another,” says Harper. “There’s so much reasonable doubt you could spread it with a knife.”


The unidentified 17-year-old was arrested and charged with two counts of commercial burglary, one count of grand theft and one count of failure to register as a gang member as a condition of his probation. Harper, who also represents the teen, will request that the youth be released on Thursday.


According to the Los Angeles Times, a security camera video depicts that there were two young men involved in the theft of Carillo’s backpack from his car. Police Chief Sanchez is alleging that McDade was the lookout in the theft. Meanwhile police arrested Carillo on Wednesday and charged him with involuntary manslaughter related to the officer involved shooting.


The case has garnered the attention of the American Civil Liberties Union who are calling for an independent investigation. Religious and civil rights leaders in the area have also demanded to speak to Police Chief Sanchez about the murder. The L.A. County District Attorney’s office is delving into the case and Police Chief Sanchez says his department is sorting through video tapes and audio transmissions.


The McDade case smacks of the recent Trayvon Martin murder, the unarmed teen who was shot to death last month by George Zimmerman, also a Latino, who claims that the boy was armed and a threat to his life.



Hunting season is now OPEN on Black males. Maybe it is time for US Black males to start using the Stand Your Ground Law aka The Shoot First Law as a way to defend our lives.






Ain’t no fun when the rabbit got the muthafuckin gun.





The Proofreader….Book Reviews

By Jueseppi B.

This book review is for author John Sandford, and I have long been a fan of his writing. Good plot.  Enough twists to keep it interesting.  Sandford as usual does a good job of revealing the methodology of police work in this story.  He seems to always have his main characters appear larger than life.  The characters that are just normal people are always secondary characters. Virgil Flowers, like his counterpart, Lucas Davenport, in another of Sandford’s series, is a larger-than-life, superman-type hero.  I guess we wouldn’t enjoy reading his books if we were reading about ourselves. We want to be like Virgil Flowers and do 50 pushups and 50 situps every morning or be like Joanie Stryker and have the 3rd-best rearend in Minnesota! Pick up a copy, you will enjoy.

Dark Of The Moon

Virgil Flowers-tall, lean, late thirties, three times divorced, hair way too long for a cop’s-had kicked around for a while before joining the Minnesota Bureau of Criminal Apprehension. First, it was the army and the military police, then the police in St. Paul, and finally Lucas Davenport had brought him into the BCA, promising him, “We’ll only give you the hard stuff.”
He’d been doing the hard stuff for three years now-but never anything like this. In the small town of Bluestem, where everybody knows everybody, a house way up on a ridge explodes into flames, its owner, a man named Judd, trapped inside. There is a lot of reason to hate him, Flowers discovers. Years ago, Judd had perpetrated a scam that’d driven a lot of local farmers out of business, even to suicide. There are also rumors swirling around: of some very dicey activities with other men’s wives; of involvement with some nutcase religious guy; of an out-of-wedlock daughter. In fact, Flowers concludes, you’d probably have to dig around to find a person who didn’t despise him.
And that wasn’t even the reason Flowers had come to Bluestem. Three weeks before, there’d been another murder-two, in fact-a doctor and his wife, the doctor found propped up in his backyard, both eyes shot out. There hadn’t been a murder in Bluestem in years-and now, suddenly, three? Flowers knows two things: This wasn’t a coincidence, and this had to be personal.
But just how personal is something even he doesn’t realize, and may not find out until too late. Because the next victim . . .may be himself.
Filled with the audacious plotting, rich characters, and brilliant suspense that have always made his books “compulsively readable” (Los Angeles Times), Dark of the Moon is vintage Sandford, further proof that he “is in a class of his own” (The Orlando Sentinel).

Available at Amazon Kobo Indigo Abebooks Audible Half.com Alibris iBookstore Google eBooks Better World Books IndieBound


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