The Affluenza Series, Part 2: The Eroding Middle Class

"The Peasant's Revolt, also called Wat Tyler's Rebellion, was a major uprising across large parts of England in 1381. The revolt had various causes, including the economic and political tensions generated by the Black Death in the 1340's, the high taxes resulting from the conflict with France during the Hundred Years War, and instability within the local leadership of London." (wikipedia) During this age in English history there were many such uprisings which were fueled not only by taxation, inflation, and declining incomes of the poor, but also because of the increasing gap between the wealthy nobility and the much poorer peasants. These protests by the poor did increase their living conditions to some degree, however, the economic gap still remained. It is here within the contexts of the Medieval revolts that the desire for upward mobility through social class began to take root. It is also here, in 14th century England, that the story of the eroding middle class begins.

A Better Life

"The American dream has long been held as a fundamental tenet of American life. So most of us would be surprised to find out that the idea behind the dream isn't actually American." -Edward Cahill, Ph.D., associate professor of English, Fordham University

Colonization of America in the 18th century did much to break down class boundaries and open up wealth to everyone. Back in England, citizens were caught up in "the striving for wealth acquisition and status transformation" which remained the prevalent social focus for many of the English since the 14th century. Now there was a huge opportunity to shatter this economic system by crossing the ocean and inspiring the new settlers to build a new life from scratch. After decades of struggle and hard work, it became very apparent that anyone could indeed establish a better life, all you had to do was pursue it.

It wasn't until the 19th century that the concept of the "American Dream" began to fully manifest itself in the minds of many Americans and begin to manifest itself as a reality within their lives. Leading figures "such as Benjamin Franklin, [a] soap maker's son turned American luminary and one of the nation's founding fathers...wrote extensively on the topic of wealth acquisition in his autobiography." (Cahill) His secret to financial success - save your money.

Clashing Values

Ben Franklin was wholeheartedly committed to public service and his attitude toward wealth was directly related to virtue. He believed that upward mobility involved focusing on getting yourself stable, and then once you've accomplished that, then focus on helping other people. Acquiring wealth was not some self-serving greed or "see how much money and stuff you can obtain" type of philosophy as it is today. In Franklin's day it was a blessing to have wealth and the duty of the upper class to pay it forward to less fortunate members of society. Sounds a lot like something Jesus did when he walked this earth.

"Unfortunately our culture has become obsessed with affluence. We now believe that it's our God-given right to live affluent lives." (Cahill) And so the American Dream has become obscured into an ideal that is meant only for some people, not everyone. Our deep narcissism drives us to achieve affluence at any cost, even trampling over people to get to the top. This is a direct side effect of affluenza and would have Franklin turning in his grave to know that the less fortunate have been cast aside.

Around the turn of the 21st century, with the advancement of technology and its availability to the public, "the culture of wealth acquisition began to alter the structure of American society. On the one hand you had a lot more people becoming fabulously wealthy - the number of millionaires grew exponentially. At the same time, the wealth gap between the rich and the poor grew exponentially, too....The rich were getting larger in number as the poor were getting larger in number." (Cahill) The American Dream now has many different meanings based on an individual person or family- from harvesting millions while working in a hedge fund to simply owning your own home or even just having a job. The deterioration or the huge amassing of wealth is driving a wedge between the upper and lower classes. The chart below shows this growing disparity of incomes.

 Affluenza's Greed

So what exactly is causing the middle class to slowly disappear? We know that the boon of the housing market revealed just how many millions of Americans were not living within their means. This revelation is essentially the core symptom of affluenza - using any resource available, whether yours or someone else's, to obtain wealth and social status at any cost and not worrying about the consequences. And, for many, the final cost was home foreclosure - the stripping of the American Dream.

Credit cards are crushing Americans at an alarming rate, so much so that it is assumed and accepted that everyone will accumulate this type of debt. I think it is safe to say that most Americans have more debt than savings because we have become a society of instant gratification. This lifestyle, riddled with massive spending, runs completely contrary to Ben Franklin's philosophy of save, save, save and is a strong contributor to the eroding middle class.

Yearly incomes for the middle class have declined around $3,000 - $5,000 since the turn of the century. Now Americans in this class have less money to work with but the cost of living still increasing. This increase can be seen with food and fuel costs nearly tripling since the turn of the century. To put it succinctly, there are more and more factors continuously arising that are stripping away the ability of middle class Americans to achieve and maintain the American Dream.

Government Intervention

"Most of our elected officials, whether Democrat or Republican, have been bought and paid for through campaign donations from corporate lobbyists and other special interest groups. We've reached a stage where lobbyists no longer merely influence legislation but write the actual language of what becomes law." - Lou Dobbs, War on the Middle Class

Legislation proposed by our "representatives" continues to punch holes in our eroding class system. During the Bush administration there were tax laws passed which eliminated the Estate Tax and implemented some tax breaks that only the wealthy 1% of our country could take advantage of. This kind of legislation benefits our corporations and millionaires by allowing them to keep more of the millions they possess. Legislators also followed suit during this administration by voting pay raises for themselves while the average income of the lower and middle classes consistently fell.

Another type of legislation aimed at eroding the middle class is the Affordable Care Act. This legislation, under the guise of "universal healthcare for every American", has really only affected the lower class society and those seeking to achieve the middle class American Dream. No one in the government sector, the upper class, any corporate manager or leader - essentially anyone making more than $70,000 a year is not adversely affected by the ACA because they get to keep the insurance they already possess and maintain the hours they've always worked. It is only the poor and middle class are suffering from this backwards legislation.

The welfare system and immigrants have always been blamed for the downfall of the middle class. It has been asserted that a large percentage of their income goes toward sustaining the lives of people who, for whatever reason, cannot get their lives straightened out enough to maintain a job. Is this really a factor for the struggling middle class or could it just be propaganda pushed by our corporate and political leaders? All hell didn't break loose when millionaires were given huge tax breaks. However, when a family comes upon hard times in a tough economy and needs a little bit of help to make it through day to day life, they are viewed as worthless bums soaking up money that they didn't earn. The system established by FDR in 1935 to help the poorer people of this country is now viewed as an evil that should be eradicated. And, through the lowering of government standards, it is being slowly phased out. Thousands who were eligible for benefits as little as two years ago cannot receive them today. WWBFD? What would Ben Franklin do?

What could possibly have motivated the healthcare industry, including insurance companies, to contribute over $17 million to Obama's campaign through PACs and superPACs? Hmm...I wonder. Or, couldn't it be more obvious that there is illicit money to be made when lawyers and their firms contributed nearly $47 million to the President's campaign knowing that there is a predicted $56 billion in medical malpractice lawsuits? Who can prove otherwise that the ACA wasn't actually written by health insurance companies themselves and the corporations who support them?

The direction this country is moving in regards to wealth and social status is alarming. The philosophies of Ben Franklin are still practiced by philanthropists who, God bless their souls, are still around. But paying forward the things we all are blessed with is a value of the past and the art of philanthropy is withering on the vine. In the 21st century we only look out for ourselves and what is in our best interests. Is it too much of a stretch of the imagination to see that this country could lose over 600 years of progress by returning to the nobility/peasant social classes that existed during Richard II's reign in England? Is it already too late to reverse the damage? Can the middle class be saved?

Sources Cited

Klimaski, Joanna. "English Scholar Uncovers Real Story Behind the American Dream." (Edward Cahill).       Inside Fordham. October 15, 2012. [Retrieved electronically on March 3, 2014]
 http://www.fordham.edu/campus_resources/enewsroom/inside_fordham/october_15_2012/in_focus_faculty_and/english_scholar_unco_89392.asp 

http://money.cnn.com/2012/08/22/news/economy/middle-class-pew/index.html

http://www.opensecrets.org/pres08/select.php?ind=K01                                                                       

Obamacare: The Disastrous Concluding Thoughts of a Legacy

It is now nearing the end of February and the dust is beginning to settle after the storm named Obamacare has swept through my family. I have spent a lot of time perusing newspaper articles, reading blogs, and just simply trying to keep up with the rhetoric many of the politicians behind this legislation have been spewing out to the public. It seems that after a negative issue arises from this agenda, the Obama "think tanks" try to design an explanation to view it in a positive light. As a result, it appears that the success of The Affordable Care Act is solely based on individual subjective experiences. The problem is that we all do not have good things to say about Obamacare. In fact, there are some very terrible side effects of this legislation which are significantly impacting lives. It has opened up some doors that should have been left closed, and closed other doors that should have been left open.. Who really is benefiting from this sweeping change of law?

The concept of making health insurance affordable for everyone is certainly an issue which needs to be addressed. Can we use Obamacare as a draft template to hash out a fully functional system? Perhaps we can. But the problem is the extreme partisan divide that is pushing us into becoming a fallen society. Remember the statement made by Abraham Lincoln, "A house divided against itself cannot stand"? One of the largest side effects of Obamacare is the fact that there are actually hundreds of thousands of people who will not have insurance, a consequence of its own legislation. Here in Missouri, and my wife and I are part of this group, over 400,000 people are falling into what has been coined "the gray area". We do not qualify for government subsidies because of our income and Medicaid will not be expanded. As of today Governor Jay Nixon "has accepted the Medicaid Expansion provision of the Affordable Care Act, but yet is still battling republican legislature to finalize the Expansion." They are stating that they will not pass this legislation for "fiscal and philosophical reasons". (http://medicaidexpansion.com/medicaid-expansion-missouri/) From my point of view this whole ordeal has just been a pissing contest for the republicans to get their way. And Missourians are suffering as a result. In my case I guess we get some saving grace - "You are not required to pay a penalty for not having health insurance because of your income and because the state of MO declined to expand MO HealthNet to cover individuals in your situation." (quote from Health Insurance Marketplace application December 21, 2013)

One of the biggest concerns that I have seen developing from this legislation is the promotion of unethical business practices by corporations, small businesses, and individuals. Coming from personal experience, I have noticed that general managers and small business owners are purposely cutting labor hours wherever they can in an effort to make sure certain employees do not meet the yearly 1,560 hours required by the Affordable Care Act. Why pay for an employee's insurance benefits when a corporation or business owner can simply cut enough labor hours each week and let the government foot the bill? I would suspect that there are bonuses behind these types of moves for managers because not having to pay out for an employee's insurance will save revenues and thus trickle down as an incentive. Small business owners benefit in the same way. Could we say that this legislation is undermining all the hard work Clinton did for small businesses during his presidency? Would one not agree that using this kind of tactic is an unethical way of subverting a basic necessity, that being healthcare, from an American worker just to increase profit or to fatten a salary? Could the term "thrown under the bus" apply here?

It has been a hot point topic with many writers on the reasoning the Obama administration has been using to justify workers not needing to work full time hours. This issue has become so controversial because it is a ridiculously absurd utopia that has been linked to Marxism and socialism. Nancy Pelosi made a statement which I'm sure by now everyone has heard. "Think of an economy where people could be an artist or a photographer or a writer without worrying about keeping their day job in order to have health insurance." (Krauthammer) The administration takes it even further by stating that people need to spend more time with their families and so working less hours is a Godsend. Never mind the huge debts hanging over your head. Or the cost of living growing at an exponential rate. Oh, and let's forget about those Americans who are working many hours so that a percentage of people can choose to work less in order to pursue some blissful lifestyle on the back of some else's labor. Perhaps your home life sucks. Or you're an average American who allows your wealth to define who you are in the context of society. Maybe you really do love your job and want to work full time. Or perhaps you simply do not want the government taking away your Constitutional right to govern your own life. This list could go on and on....

Suddenly, a lot of the negative attitudes and anger that people can have toward the welfare system is now going to be aimed at the Affordable Care Act. It is the beliefs, attitudes, and values of Americans that shape the framework of this country, not tyrannical legislation. These types of legislation are passed to exercise control over the population, much like many of the government control practices we see at work in countries like Russia. Our fundamental right (and in a twisted way, government mandate) to have a basic need of health insurance was stripped from my wife and I as it has been done to hundreds of thousands of citizens. Why should we be left helpless and vulnerable because of the stroke of a politician's pen?

Works Cited

http://www.forbes.com/sites/rickungar/2014/02/04/cbo-says-obamacare-will-reduce-employment-by-2-5-million-but-not-for-the-reason-you-think/

Krauthammer, Charles. "Obamacare's War on Jobs". St. Louis Post-Dispatch. February 14, 2014.

The Affluenza Series, Part 1: Keeping Up With the Joneses

Although I really do not like to use Wikipedia as a reference source, I do think the definition they have listed there is said rather well. "'Keeping up with the Joneses' is an idiom in many parts of the English-speaking world referring to the comparison to one's neighbor as a benchmark for social caste or the accumulation of material goods. To fail to 'keep up with the Joneses' is perceived as demonstrating socio-economic or cultural inferiority." Cartoonist Arthur R. "Pop" Momand created a comic strip, which debuted in 1913, with the same name. I wonder if "Pop" would be surprised that his concept is still flourishing over 100 years later. In the 21st century, though, his concept has evolved into an illness which John de Graaf calls "affluenza". This condition has grown into an aggressive addiction and a subsequent disease that is treatable. It carries symptoms just like influenza and it definitely has horrible side effects, much like you might hear during a pharmaceutical commercial. I would assert further that the side effects can be worse than the disease.

All of us are looking to fill and fulfill something within ourselves where we can be truly happy at all times and in all ways. I think it is simply an innate desire placed within us by God to compel us to seek Him. In the development of our youth we are impressed with what our parents teach us, what we learn in school, the growth of our social lives, and the influence of outside sources like televison, radio, or the internet. All of these factors come together to shape us into the humans we are today.

Your values are the guidelines that set the standards for how will you will live your life. The Bible teaches us to treat other people the way we want to be treated. This is a strong message that my wife and I try hard to impress upon our children and it can be very challenging at times because they do forget this rule and act out of their own self interests. Herein lies one of the biggest issues with affluenza. Our society teaches us that material gain is everything and that it should be achieved at any cost. If you need to use people to achieve your end, do so. If you need to resort to dishonest ways, take them. If you need to "borrow" money to purchase that item to ensure that you appear wealthy to your "peers", buy it. Affluenza has a strange way of making you forget about the welfare of your fellow human being and yourself, for that matter, and keeps you focused strictly on the present moment. There really is no long-term plausible vision associated with "keeping up with the Joneses".                                   

Affluenza has exponentially mutated into an epidemic with the rapid growth of technology. In our quest to experience huge economic growth and change, we have begun to sacrifice the really important things in life. Edward Luttwak, a former Reagan administration official now with the Center for International and Strategic Studies, sums this up with his concept of "Turbo-Capitalism". "The contradiction between wanting rapid economic growth and dynamic economic change and at the same time wanting family values, community values, and stability is a contradiction so huge that it can only last because of an aggressive refusal to think about it." (Affluenza, 49-50)  Simply take a look around you when you are in public, at work, on the playground with your children, and even driving down the road. 

People are so absorbed in their phones, ipads, tablets or whatever their technology of choice that many times we are oblivious to our surroundings and the fact that there are living, breathing people we could communicate with face to face. However, we would prefer to tag them on Facebook and then snap a smiling "selfie" followed up with a fictitious "status" to try and convince your 1600 "friends" that your having an awesome time and "aren't you just jelly, lol?" 

There used to be a time when everyone sat around the dinner table, the family would gather in one room to talk or read together. The result was a strong connection to what was going on with each member's life coinciding with a strong nurturing of family values. Now a typical home might have dad in his study on the computer, the kids zoned out shooting Arab rebels on "Call of Duty", and mom with her faced pressed into her Kindle Fire, reading about a reality she wishes was her own. Are we really better off this way? Will there ever come a time when we will snap out of our material haze?

I will be continuing this series by revealing many of the symptoms of affluenza and then providing shocking details of their side effects. I hope in some way that I may be able to do my part to open the eyes of the American consumer to see how horribly damaging this epidemic has become in the 21st century.

Affluenza, n. a painful, contagious, socially transmitted condition of overload, debt, anxiety, and waste resulting from the dogged pursuit of more.

John de Graaf first developed this concept in 1996 when he produced a documentary on PBS with the aid of ViVia Boe, a fellow producer. They had recorded most of the material, but still hadn't created a cohesive concept to tie together the ideas they had compiled on this subject. In a passing article, John found it, affluenza. It became the "single word that not only would make a catchy (pun intended) TV title, but suggested a disease resulting from overconsumption." (Affluenza, preface) The term fits perfectly.

The concept of affluenza has been one which has been developing in society since the 1960's. Prior to 1960, Americans were generally content with their lifestyles, the unity of family and community, and the open pursuit of their faith and its ethical foundations within individual citizens and the groups they affiliated themselves with on a daily basis. However, the uncontrollable passion of "keeping up with the Joneses" began to set itself as the coveted norm amongst nearly everyone in America.

Over the past 50 years, the mass production of goods and services has fueled the dogged pursuit of the "American Dream".  Now everyone can own the trendiest vehicle or wear the most popular clothing  -contingent, of course, on the fact that you have enough money to do so. Well, no problem. Beginning in the 1980's, credit has been stretched out and given to pretty much anyone who asks. Herein lies the fundamental problem to the affluenza illness - living outside of one's means.

Reading through John's book has revealed a huge amount of material for consideration. I have decided, since this issue is of great interest to me, to begin writing a series of blogs about Mr. de Graaf's concept and the myriad of ideas affiliated with affluenza. It may well be a lengthy series, but I promise to bring some very interesting and many times alarming concepts to light. The American people need to snap out of their material daze. It is destroying them and their families. It is eating them alive very much like a cancer. And yes, it has all the traits of influenza. I leave you for now with this thought:

     "[Affluenza is] rooted in the idea that every generation will be materially wealthier than its predecessor, and that somehow, each of us can pursue that single-minded end without damaging the countless other things we hold dear." (Affluenza, pg. 3)

                                         Texting and Driving: A New Danger on the Road

     In February 2009, "an 18-year-old girl plowed directly into the rear of another vehicle (photo not shown). (To see photos go to http://www.snopes.com/photos/accident/intexticated.asp) She was going 70 mph. She apparently never saw them. You see, she had been texting at the time. There was no blowout, no wet road, no curve or hill or fog to limit visibility. This girl clearly should have bee able to see the traffic conditions at least a half a mile ahead had she been looking and not texting. She nearly killed a beautiful 3-year-old child." (Snopes)

     Driving on American roads has had many challenges throughout the history of the automobile. Road conditions and vehicle quality were the defining issues of the early 20th century. In today's 21st century, however, roadways are well paved and vehicles have incredible safety standards which are constantly being upgraded. A vehicle now can automatically adjust to any road condition and it can even predict an accident before it ever happens. These amazing features are the pursuit of making vehicles that are nearly flawless. Despite the advances of automobiles, the biggest reason behind car crashes is the result of driver inattention or distraction. We are all familiar with road rage, drinking and driving, driving under the influence of drugs, and eating while driving. Now a new distraction has reared its head in the presence of technology - texting while driving.

     Texting and driving is an issue which has really only began to manifest itself within the past decade due to the fact that cell phones are now owned by almost everyone. It "is a growing trend, and a national epidemic, quickly becoming one of the country's top killers. Drivers assume they can handle texting while driving and remain safe, but the numbers don't lie." Each year there are 1,600,000 accidents and 330,000 injuries related to texting and driving. It is "about 6 times more likely to cause an accident than driving intoxicated" and 11 teenagers die every single day from this distraction (http://www.textinganddrivingsafety.com/texting-and-driving-stats). This is a HUGE problem which is affecting everyone on the road, and it is slowly devastating the teenage population. Think about it! If your teenage daughter or son, or any of your friends and loved ones for that matter, takes their eyes off the road for even 5 seconds at 55 mph, they will have traveled the distance of a football field completely blind. Anything can happen within a hundred yards and unfortunately there are dozens of pictures of totaled vehicles on the web reminding us of this potential tragedy.

     The only way to eliminate this catastrophe is to eradicate texting and driving. This can be done in several ways. First of all, we need to encourage everyone to use hands-free devices when they are communicating in their vehicle. When both of your hands are on the wheel, you have a far greater chance of driving safely. Educational films should be shown in our schools since teenagers naturally find themselves invincible and able to do everything safely. Graphic information and disturbing photos should be provided to the general public through advertisement because it is an assumption by most adults that they can text and drive just fine. This is certainly untrue because I have nearly gotten into a couple accidents just trying to upload the Pandora app on my phone. The biggest way we can all prevent this distraction is to saturate social media with this issue. Put pictures on Facebook and Tumblr showing the horrible accidents and Tweet live instances when there is an accident as a reminder to everyone that texting can wait. In these ways the message is being brought right into the home or person's lap and it needs to be known!

     If we implement any and all of the strategies, we can make a difference in the statistics and we can save lives! Listen to the radio DJ telling you not to text and drive. Heed the signs and bumper stickers you see on the road telling you to wait. Exercise your right as an American citizen (yes, citizen, not consumer) to protect our children and loved ones from this senseless act! If you choose to do nothing about this issue than thousands of men, women, and children will die as a result of your inaction. Can you live with yourself knowing you may be responsible in some part for another person's death?

                                        Where Has the Sanctity of the Holidays Gone?

     The idea of Black Friday is a concept which Americans have been familiar with over the past 40+ years, however, it has actually been in existence for over 140 years. According to BlackFriday.com "[t]he term 'Black Friday' was coined in the 1960's to mark the kickoff to the Christmas shopping season. 'Black' refers to stores moving from the 'red' to the 'black', back when accounting records were kept by hand, and red ink indicated a loss, and black a profit." It also has at least two other lesser known connotations associated with "the unofficial start to a bustling holiday shopping season. In the 1960's, police in Philadelphia griped about the congested streets, clogged with motorists and pedestrians, calling it 'Black Friday.' In a non-retail sense, it also describes a financial crisis of 1869: a stock market catastrophe set off by gold speculators who tried and failed to corner the gold market, causing the market to collapse and stocks to plummet."

     "Black Friday" has always been considered a good thing for business interests because it serves as an opportunity to bring customers into their stores who either shop there frequently, haven't visited in some time, or who have never set foot in their place. Since it is Christmastime, stores can break out with great deals which not only draw attention but also allow them to get some things off their shelves to make room for the next round of goods. The public sees this as a good opportunity to get some inexpensive gifts for their loved ones they otherwise may not have thought of or perhaps couldn't afford at full price. By nature, this shopping day was meant to be a positive effort to enrich the lives of Americans over the holiday season. However, over the past several years, "Black Friday" has begun morphing into something else.

     When my wife and her friends began shopping on "Black Friday" many years ago, stores would open around 6 a.m. and run full steam well into the night. It was a fun time for the girls to get together, have a sleepover the night before, and then head out to their favorite places hunting for the bargains. It really was fun for them because there was a crackle in the atmosphere, other shoppers were just as excited as they were to be able to land the deals, and everyone for the most part got along in the stores and made it a festive occasion. Suddenly, it changed.

     Greed is a terrible motivator because behind all greed come dire consequences. News channels and local papers began covering stories of how shoppers had been caught stealing things from other people's carts and putting them into theirs when a shopper would get distracted or leave their cart for a moment. Arguments broke out in stores, turning into screaming matches, with many escalating into fist fights. People were being trampled in the doorways when stores would open, some of the injuries very serious, and there were even some deaths which resulted. All regard for another person's safety, whether an elderly person or even a child, are thrown out the window. The wild-eyed frenzy to make sure the deal was gotten by (a) greedy individual(s) is now a goal to be attained at all cost. To a substantial degree, we have lost our moral values and social ethics for the pursuit of material gain.

     Let's take a look at another point of view. Stores are now opening at 2 and 3 a.m., and this year I have really noticed that many businesses are jumping on the bandwagon of opening on Thanksgiving Day. Where is the sanctity of the holidays? There are living, breathing people who have to work on a day they should be spending with their families. We already have huge problems with family unity in this country with high divorce rates, parents not being parents, the effects technology are having with television, ipads, computers, video games...the list goes on! We do not need another factor disrupting society's welfare. Will there come a time in the not so distant future when all stores will be open 365 days a year with the true reasons behind the holidays being blown into a materialistic obscurity? My wife and I refuse to shop on the holidays, no matter how good the deals are advertised. We believe in preserving a long family tradition and we will teach our children to do the same. Material things really are not that important.

The Effects of Obamacare: Confusion and Insecurity

Recently my company sent a representative to my place of employment and set up a meeting with us. In this meeting we were informed that, effective January 1st, if an employee did not meet a required work year of 1,560 hours, he or she would be reclassified as a part time employee. We would not only lose all insurances but also lose the ability to accrue sick and vacation time. Also, in an effort "to do the right thing", our company is going to give us a one time raise which is supposed to be the equivalent of the value of that sick/vacation time, given outside the normal 1-3% annual raise. I am not sure how that will work out or even if their commitment will be fulfilled honestly because a confusing equation is being applied to ascertain what "the value of this time means to me."

Now, I do work 40 hour weeks, but it is only when the school year is in session. I am considered a seasonal worker. Each year there are roughly 6 weeks when the business is shut down entirely. During the summer I do try to work as much as I can, when work is much slower, however this year my employer was unable to give me enough hours to earn a living. It seemed to me that management was trying to keep labor costs to an extreme minimum in an effort to boost bonuses. For the past five years I have always been able to work sufficient hours during this slow time, now suddenly hours were cut dramatically. As a consequence, I will not have accumulated enough hours to meet the minimum requirements to remain a full-time employee and will be on the chopping block to lose my family's insurance- not only health, but dental, vision, and disability as well. I wonder, is there some correlation between an obvious move by management and the new rules of The Affordable Care Act?

My family and I have been shocked by the effects of Obamacre. We have always had good insurance, comparable to the policies that hospitals themselves provide for their employers. We have taken comfort in knowing that even though paying the premiums are quite a monthly expense, it is very much worth it to have the peace of mind that my family always receives the best health care available.

On Friday, November 1, 2013 New York Times writers Katie Thomas and Reed Abelson headline with this issue reporting three situations where individuals are being "forced out of their existing health insurance plans." In the article they quote the President in 2010 referencing The Affordable Health Care Act with saying "If you like your insurance plan you will keep it. No one will be able to take that away from you. It hasn't happened yet. It won't happen in the future." My family is an example, like thousands of others, who will lose our insurance and be thrown into a vortex of confusion and uncertainty. Then what? The security we now have with my entire family under one policy will be eroded. And the worst part is that we are not given any options. Since our family is on the lower wage scale, we will be forced to take whatever plan the government chooses. It is not our decision. This is very frustrating, to put it mildly.

So, it should be easy to see that we are livid about the changes brought to our lives because of Obamacare. I believe a very important freedom has been stripped from us because we did not choose to drop our insurance nor are we able to decide even what the new changes will be. I do understand that with every new policy enacted someone has to be negatively affected. But in this case, why can we not shop our options? My family is in a rat race to get as much treatment as we can before the end of the year because we have no idea who our new doctors, dentist, or pediatricians will be. The people we have grown to know and love over the past 20 plus years will more than likely no longer be a part of our lives. This is scary and very worrisome. It takes away our faith in our government and creates an air of uncertainty about the future.

I am absolutely certain, however, that the company I work for loves the changes brought about by The Affordable Care Act. Using figures which I apply to my own family as a base model, for every employee they do not have to provide insurance, this will save them $15,000 a year on average. Multiply that by the 15,000 employees who will be affected by these changes and annually my company will save $225 million. Although I am told that this money will be put back into permanent insurance policies, I fail to believe that there will not be a huge revenue surplus. I can envision upper management salivating over those figures because those huge savings will convert into huge bonuses. Although it would never be spoken out loud, I am apt to believe that the more employees a manger can kick off the insurance, the greater the bonus. I am calling The Affordable Care Act a "Corporate Gold Rush" for just this reason. To exacerbate the situation further, it is my understanding as well, the government did not make any written mandates that a company was required to eliminate sick and vacation time. This was a move by my company to piggy back more money saving policies to a mandated policy. Pretty much like "pork" is added to a Senate bill.

We do not know exactly how our lives will be changed by The Affordable Care Act over the next year. What we do know is that we feel very confused because there are too many unanswered questions and absolutely no game plan for us in January. The probability that there will be a gap in our insurance seems pretty eminent. God forbid anything should happen to us during this gap period because we will be uninsured. When we do get a policy or policies, will it be cheaper than our rates now or will it be too expensive? Will the coverage be the same? We do not know. For us, the security we have worked so hard to achieve will be taken from us with the stroke of a politician's pen.