Letters Of Recommendation Free

The Economics of US Healthcare, a Giant Ponzi Scheme?

Gilbert G. Berdine writes: According to the US Department of Health and Human Services (HHS), national health expenditures were $2.5 trillion in 2009, or $8,086 per person. The usual critique of US healthcare discusses how the money is spent and argues that it could be better spent in other ways.

I will not discuss how the money is spent, because value is subjective. Instead, I will show that the United States cannot afford what it spends, and, as a result, the US healthcare system is a credit-induced bubble.

HHS estimated that national health expenditures per individual were $7,845 in 2008 — over $31,000 for a family of four. That is the minimal cost of a fully homogenized national health-insurance policy where everything is covered, everyone is covered, and there are no preexisting conditions. That figure is fairly close to what an individual pays for very good commercial insurance if one does not belong to a large insurance pool. The average American family is not going to pay that much for health insurance willingly.

The Census Bureau claimed that the average household size was 2.63 in 2008. The average household share of national health expenditure was therefore $20,632. The census estimated that 18.6 percent of households had an income less than $20,000 in 2008. So, almost one-fifth of US households earn less income than their share of national health expenditure.

What about the average household? According to the Bureau of Labor Statistics (BLS), a typical US consumer unit in 2008 of 2.5 persons made $63,563 pretax income, and paid $13,077 in taxes, $6,443 for food expenses, $17,109 for housing expenses, $1,801 for clothing expenses, and $8,604 for transportation expenses, with $16,529 left over.

Their "share" of national health expenditure was $19,612. The typical US household cannot possibly afford a healthcare product targeted to the entire US population. No amount of redistribution will solve this shortfall. The shortfall is being financed, at least prior to September 2008, by foreign credit.

Providers of healthcare make decisions based not on consumer preferences but rather based on what the government will pay for. The government involvement in Medicare is obvious, but the so-called private sector of healthcare is increasingly made up of government employees and employees of private companies whose income largely comes from government. The US healthcare system is a classic credit-induced bubble of malinvestment where notions of profit and loss have been hopelessly distorted by government decisions.

Sample Child Care Letter of Recommendation: Character Reference ...

When it comes to parents’ having to choose a child care provider for their young children, it’s never an easy decision. Every parent wants the best for their child and this is why it can be so difficult to trust a new day care provider. However, if a parent gets the chance to read a letter of recommendation that positively refers the potential provider, this can make the decision much easier.

Child care letters of recommendation should include personal details about the provider’s character and overall ability to care for children. When describing these abilities, the person should give clear examples of situations. Some examples may include the activities provided, how clean the home is, or the patience and kindness in which the provider demonstrates.

It is also helpful that child care reference letters include details regarding the time frame in which the parent used the provider, as well as the personal relationship between the provider and parent. An example would be “I met Ms. Rogers through a neighbor and she cared for my child from 2006 to 2008. My daughter was in her care until she had started Kindergarten.”

When it comes to writing child care reference letters, the more the individual can describe the provider’s overall character and abilities to connect with children, the better. Even though the provider’s educational and overall background in working with children is indeed important, a reference letter should include more personal details regarding the relationship between the child and provider.

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