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Why is the government so bad at healthcare? They've been at it for seventy-five years and still can't get it right. It's expensive. Access is spotty. It's mired in bureaucracy. And it's fraught with waste.

Obamacare was supposed to fix all this, but instead, like every other government healthcare program before it, it just made things worse. Why? Because the government is a third-party payer.

Let me explain. Suppose you are going to buy something for yourself. You have two priorities: price and quality. You want the highest quality for the lowest possible price.

Say you're buying a television. You have many options: the size of the screen, the quality of the image, the price. Only you know which one best suits your needs and your budget. And a lot of companies are competing for your business. You do your research; you make your choice.

This is called a first-party purchase, the person paying is the person using.

Now, let's suppose that either the price or quality is not controlled by you; in this case, you are buying something for someone else. You care about the price because you are paying for it, but you are a little more flexible on the quality. A good example would be a wedding gift, say, a coffee maker.

You might think, by the time it breaks they'll forget who gave it to them anyway the cheaper one will be fine.

All of us have bought things for others we never would have bought for ourselves. We care about the price because we're paying for it, but not so much about the quality because we're not going to use it.

Or, suppose that we're going to use something, but we're not going to pay for it. Then we're concerned about the quality because we're consuming it, but the cost is not as important because we're not paying for it. Any father who ever got roped into paying for an open bar at a wedding understands this program. Nobody ever orders the cheap stuff when it's free.

These are called second-party purchases. The person paying is not the person using.

And now, for the coup de grace: when it is not your money paying for something, and you don't use it. Then you're not concerned about either the price or the quality.

Suppose the boss gives you 150 dollars to buy a door prize for the office party. In a store window, you see a six-foot tall stuffed frog marked 149 dollars You think, Oh, that's perfect, let's buy it. The raffle winner is awarded the six-foot frog. Everyone laughs at the gag.

Now, this is called a third-party purchase, a purchase that is made with money that is not yours, therefore you don't care about the cost, to buy something you're not going to consume therefore you don't care about the quality.

Here's the point: By definition, all government purchases are third-party purchases. The government spends other people's money on things it won't consume. It doesn't care about the price or the quality. Thus, there will always be waste in government spending.

That is why, to paraphrase Abraham Lincoln, government should do only those things that a man can't do better for himself.

If 300 million Americans were free to buy health insurance for themselves, just as they buy their own life and home and car insurance, then that little gecko on television would offer us health insurance with a little more coverage for a little less cost.

And he wouldn't be the only one. Insurance companies and hospitals would be working night and day to get our business. Quality would go up, and prices would go down. It's already happened with laser eye surgery. It used to cost 2200 dollars per eye. Now it can cost as low as 500 dollars per eye. That's the way free enterprise competition works every time.

But when the government gets involved, costs go up, waste and fraud go up, essential medical services are denied or unavailable. These are the hallmarks of government healthcare bureaucracies around the globe.

The sooner we make health insurance a first-party purchase again, the sooner Americans will get the health care they want finally.
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  |  9123 learners#Politic #Speeches

Do you believe in free speech? Do you believe that people should be judged by their character, not their skin color? Do you believe in freedom of religion?

If you believe these things, you're probably not a progressive. You might think you're a progressive. I used to think I was. My show, The Rubin Report, was originally part of the progressive Young Turks network. Progressives struck me as liberals, but louder. Progressives were the nice guys; they looked out for the little guy; they cared about women and minorities; they embraced change.

In short, who wouldn't want to be a progressive?

But over the last couple years, the meaning of the word progressive has changed.

Progressives used to say, I may disagree with what you say, but I will fight to the death for your right to say it. Not anymore.

Banning speakers whose opinions you don't agree with from college campuses, that's not progressive. Prohibiting any words not approved of as politically correct, that's not progressive. Putting Trigger Warnings on books, movies, music, anything that might offend people, that's not progressive either.

All of this has led me to be believe that much of the left is no longer progressive, but regressive. This is one of the reasons I've spent so much time on my show talking about The Regressive Left.

This regressive ideology doesn't judge people as individuals, but as a collective.

If you're black, or female, or Muslim, or Hispanic, or a member of any other minority group, you're judged differently than the most evil of all things: a white, Christian male. The Regressive Left ranks minority groups in a pecking order to compete in a kind of Oppression Olympics. Gold medal goes to the most offended.

Martin Luther King, Jr.'s dream that his children would be judged by their character and not their skin color was a liberal idea, but these days, it's not a progressive ideal.

And what about religious freedom, the idea that no one else can tell you what you have to believe? Surely progressives still support that basic right. Well, not so much.

I'm a married gay man, so you might think that I appreciate the government forcing a Christian baker or photographer or florist to act against their religion in order to cater, photograph or decorate my wedding. But you'd be wrong. A government that can force Christians to violate their conscience can force me to violate mine. If a baker won't bake you a cake, find another baker; don't demand that the state tell him what to do with his private business.

I'm pro-choice. But a government that can force a group of Catholic nuns, literally called the Little Sisters of the Poor, to violate their faith and pay for abortion-inducing birth control can force anyone to do anything.

That's not progressive; that's regressive!

Today's progressivism has become a faux-moral movement hurling charges of racism, bigotry, xenophobia, homophobia, Islamophobia and a slew of other meaningless buzzwords at anyone they disagree with.

The battle of ideas has been replaced by a battle of feelings, and outrage has replaced honesty. Diversity reigns supreme, as long as it's not that pesky diversity of thought.

This isn't the recipe for a free society, it's a recipe for authoritarianism.

For these reasons, I can no longer call myself a progressive. I don't really call myself a Democrat either. I'm a classical liberal, a free thinker, and as much as I don't like to admit it, defending my liberal values has suddenly become a conservative position.

So, if you think people should be able to say what they think without being punished for it; that people should be judged by their behavior, not their skin color; and that people should be able to live the way that they want to live, without government interference, then there's not much left on the left for you.

I'll keep trying to explain that to progressives until I'm totally left out.
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  |  9033 learners#Politic #Speeches

Why are you Right? Yes, you, conservative person. Can you answer that question?

I think it's so important that I wrote a book about it. How to be Right? The Art of Being Persuasively Correct. Because if you can't be persuasive about why you are right, then we, the United States of America and the Republic for which it stands, are lost. So, here is the simple answer to why you are Right: It is a more practical, generous, and compassionate way to live. Let me explain:

There have been a bunch of academic studies on how those on the Left and Right approach problems. They pretty much all come to the same conclusion. The Right tends to be risk averse, more concerned about external threats like tyranny and terror. Conservatives, get this, tend to be conservative. They are less likely to play with fire, in just about every sense: financially, artistically, sexually. They are cautious about changing traditions, sometimes to a fault, which is why they cling to that crazy Constitution they like so much and to their guns and their religion.

We conservatives also focus on what we can fix, and accept what we cannot which is one of the many reasons we're not obsessed over global warming. With Radical Islam we know what the threat is, and that it's a lot worse than a few missing polar bears. I know that makes me sound mean, sorry polar bears.

Liberals, the research tells us, are generally more outgoing, more likely to try new stuff. They are open to new ideas though not school choice, or flat taxes, or a market based health care reform, and are less likely to feel threatened by unfamiliar things. This is why, in general, they seem to have more fun. They are more likely to try drugs, for example which is fine, as long as they don't end up throwing up in my toaster. In short, liberals are pretty liberal. They feel free to take risks that the risk-averse usually end up paying for, over and over. Which explains the necessity for conservatism. We are the clean-up crew.

Liberals may seem to have more fun and many do, but according to polls they aren't as happy as conservatives. And with all the fun they're having, I've never quite figured out why the angriest people I've encountered in my life have been liberals. Maybe it's because short-term fun doesn't translate into long-term happiness. Marriage, families and religion do that and those are the things conservatives most value. Liberals tend to live for now. Conservatives for later.

A risk-averse conservative is more likely to save money. He is more likely to protect his investments. He is more likely to protect property, and advocate for rule of law and preservation of individual protections. And he offers no excuses for looting. Instead, he empathizes with the Asian, Arab and black small businessman whose convenience store, laundry or restaurant goes up into flames during the riot that liberals reflexively endorse as an understandable response to injustice.

Of course, conservatives aren't risk-averse in everything. But they take risks with their own lives, not with the society. Conservatives risk all to build businesses. That risk, however, is rooted in a fact-based belief not faith in the free market. If people want the product or service you're supplying at the price you're asking, you will succeed and the risk will pay off.

Over time, it's conservative risk-taking that creates a civilization, by building families, businesses, and nations. All of which creates more wealth, wealth that can then be used to help those in need. You need money to make money, but you also need money to give money. Conservatism makes what liberalism takes.

So, for example, for liberals to get their minimum-wage hike, first we need conservatives to build businesses, to think like businessmen, to sacrifice their own salaries in order to pay others; to sleep on floors if necessary in order to break even. Then when they make a profit, and things are going great when the calm sets in, liberalism can appear and say, How dare you not pay these people a living wage? Once the tables are full of diners, and bills are being paid, and you're thinking about opening a second joint, liberalism arrives to demand its cut. Think of it as a protection racket. Sort of like the Gambino family, but without loyalty, job prospects, and track suits.

In short, conservatism doesn't compete with liberalism, it sustains it. And so when a liberal asks you, why are you a conservative? Simply say, so that you can be a liberal.
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  |  9122 learners#Politic #Speeches

In modern society, many people find that they do not get very much exercise. They travel by bus, train, or car, and they can move up or down in elevators. They have machines that do most of the heavy work that was once done by people.

However, exercise is important for staying healthy. A person who exercises frequently will be physically fit. There are different aspects of physical fitness. One important element of being physically fit is called cardio-vascular fitness. The word cardio-vascular refers to the heart and lungs. If one's heart and lungs are in good condition, then one can exercise at a steady pace without soon getting tired.

To develop cardio-vascular fitness, it is important to perform some exercise that makes one's heart beat quickly. For example, a person can improve cardio-vascular fitness by riding a bicycle, by running, by swimming, by rowing, or even by walking quickly. Some people go to special places, called health clubs or gyms where they can use different exercise machines to develop their cardio-vascular fitness. But many people improve their cardio-vascular fitness by playing recreational sports, such as tennis or soccer, or by dancing vigorously.

By having good cardio-vascular fitness, one is less likely to suffer from heart disease. Of course, there is one way to improve cardio-vascular fitness that does not involve exercise-stop smoking! Another important aspect of physical fitness is called flexibility. Flexibility refers to one's ability to stretch comfortably. For example, a healthy person should be able to touch his or her toes without bending the legs. People can perform various stretching exercises to improve flexibility. By being flexible, a person can avoid injuries that might otherwise affect their body. Yet another important aspect of physical fitness is the strength and endurance of one's muscles.

Many people suffer from injuries that result, in part, from weakness of the muscles. Muscular strength and endurance can be improved by a variety of exercises. Some of these exercises involve lifting a weight, but other exercises simply involve pushing or pulling against the weight of one's own body. One example is an exercise called the push-up. In this exercise, a person lies on the floor, with the face pointing down. The person bends his or her arms, so that the palms of the hands are on the floor, next to the shoulders. The person then pushes with his or her arms, lifting the upper part of the body above the ground until the arms are straight. Before starting to do any exercises, it is a good idea to have a medical check-up. Some people do not want to exercise because they think it will be too much work However, many people find that they feel very good when they exercise. Exercising can be an enjoyable and fun way to maintain health and fitness.
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  |  10303 learners#Sport #Essays

One of the most tragic parts of the history of North and South America is the period of African slavery. For hundreds of years, many people were taken from Africa, by force, to work in the fields of many different countries in North and South America.

When Europeans first came to the Americas, some of them realized that they might make money by growing crops and selling them in Europe. However, in order to make money, they would need a cheap source of labor. Few Europeans would come to the Americas to work for low wages, so instead, the landowners looked for slaves. In the areas of the great farms, or plantations, there were few Indians, so they used another source of slaves, Africa. The plantation owners usually obtained slaves by buying them from local kings in western Africa. This led to many wars between rival kings within Africa, who tried to capture each other's people in order to sell them as slaves. A few kings tried to avoid the slave trade, but this was very difficult.

During a period of several hundred years, from the 1500s to the 1800s, about 12 million people were taken from western Africa to the Americas. Many more people died as slaves before leaving Africa, and many more died on the ships that took them to the Americas. This was because the conditions on the ships were extremely unhealthy! the ships were far too crowded, and there was little food and water.

When the African slaves arrived in the Americas, the plantation owners made them work on farms that produced goods such as cotton and sugar. In many places, the work was very hard, and many of the slaves died from overwork. They were then replaced by other slaves who arrived from Africa. However, many slaves survived despite the brutal conditions.

In some places, the African slaves were able to revolt against the plantation owners. However, this was difficult because the slaves who had recently arrived spoke many different languages. Some slaves escaped into wilderness areas and were able to remain free from the plantation owners. As time went by, many people in Europe and in the Americas realized that slavery was wrong. By the 1830s, slavery had been ended, or abolished, in islands owned by the British, and in parts of the United States. In the southern United States, slavery was ended in the 1860s, during the Civil War. In some countries, such as Brazil and Cuba, slavery only ended in the 1880s.

Today, many millions of people in North and South America are the descendants of slaves who were brought from Africa. The effects of slavery have lasted for many generations, and there was much racial prejudice against African people when slavery ended. However, some have achieved success despite these disadvantages Today, the people of African background in North and South America are a very important part of the population in many countries.
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  |  9226 learners#Politic #Lectures

One of the most popular sports in northern countries is the game of ice hockey. Each winter, this sport is played by hundreds of thousands of children and adults in North America and in Europe. Ice hockey is a fast and exciting game that can make winter much more enjoyable.

The game of ice hockey is played on a flat surface of ice called a rink. The rink is about 60 metres long, and about 25 or 30 metres wide. At any time, each team has six players on the ice. On their feet the players wear skates, whose thin metal blades allow fast movement along the ice surface. Learning to skate requires time and practice, but many people can skate very quickly and smoothly.

In many ways, ice hockey is similar to soccer. However, unlike soccer, there is no large ball used in hockey. Instead, the players use a hard, black, rubber disk, which is called a puck. The players skate around the ice, trying to get the puck. They do not use their hands or feet to control the puck. Instead, they carry long wooden sticks, which are shaped in such a way that it is easy to push the puck along the ice. The players can pass the puck to each other by sliding it across the ice. To score a goal, a hockey player must shoot the puck into the net of the opposing team, but this is a difficult task. The net is less than two metres wide, and it is protected by a player called the goaltender. However, some players can shoot the puck very suddenly and with great power.

Sometimes, the sport of ice hockey can be quite rough. Players try to take the puck from their opponents by bumping into them at a high speed. This is called a body check. Players are not allowed to hit each other with their sticks. If a player does this, then that player may be given a penalty by the referee, who enforces the rules of the game. Naturally, the sport of ice hockey is most popular in countries that have cold winters. In addition, many people play hockey in the United States. In previous generations, ice hockey was considered a sport for men and boys only. However, in recent years, women and girls have been playing hockey much more frequently than in the past. Not only do many girls enjoy playing hockey for fun, but now women's hockey is officially a sport at the winter Olympics.
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  |  9246 learners#Sport #Essays

I have to get my tonsils out. I'm not really happy about it, but I'm tired of being sick and having sore throats. I have to go to the hospital two hours before my surgery. My mother will go with me. The nurses will take my temperature and check my blood pressure. They will make sure that I am ready for my operation. I will be dressed in a white gown, and I will be wheeled down the hall to the operating room. I can't have anything to eat or drink for a long time before my surgery. My mother will walk down the hall with me, then she will wave goodbye as they wheel me into the operating room.

The doctor and the nurses will be busy in the operating room. They will be getting ready to perform my surgery. The doctor will say hello to me and tell me that he is going to put me to sleep. He will put something into my arm. He will tell me to count backwards from ten. I think that I will only say ten, nine and then I will be fast asleep I won't be awake for the surgery.

When I wake up, I will be surprised that the surgery is over. My throat will hurt, and I probably won't feel very good. My mother will be there with me. The nurses will give me a drink and try to make me comfortable. I won't be in the hospital overnight. I will go home later in the day. My parents will have to make sure that I have a lot to drink. I can't eat any hard foods or they will hurt my throat. I will sleep a lot, because I will not feel very well for a couple of days. It won't take long before I recover from my surgery. Sometimes, we need surgery to make us feel better. Hospitals can be a bit frightening, but the doctors and nurses are very nice, and their job is to make you better.
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  |  9600 learners#Social #Stories

Most people know that the English language is spoken by millions of people around the world. However, few people are aware of the history of the English language. Today, English is one language, but in some ways it is a mixture of many different languages.

The English language is most closely related to a group of languages called the Germanic languages. This group also includes languages such as German and Dutch. About 1500 years ago, these languages were not yet distinct from each other. Some of the people of Germany and the Netherlands then moved to England. Those people were called the Anglo-Saxons, and their language then evolved into English.

Most of the basic words of the English language are derived from these very old Anglo-Saxon languages. For example, words for the parts of the body, for numbers, and for animals are mostly Anglo-Saxon words. Some new words were brought to England over 1000 years ago by people who came from the Scandinavian countries of northern Europe. Many words that begin with the letters sk, such as skin and skill, are Scandinavian words.

A major change happened in the English language after the year 1066. In that year, England was conquered by a king from the northern part of France. He and his followers spoke French, so French became an important language in England. During the next few hundred years, the English language absorbed a very large number of French words. In fact, today's English dictionaries contain more words of French origin than of Anglo-Saxon origin. Part of the reason why the English language has so many words is that it often has two words for each idea-one word of Anglo-Saxon origin, and one word of French origin.

Many more words entered the English language a few hundred years ago, when science and technology became more widespread. Most scientific and technical words are derived from words of the ancient languages of Latin and Greek. Because there are so many of these scientific and technical words in the English language today, the influence of Latin and Greek has been quite large. Other languages have also contributed many words to the English language. Some words have come from the Celtic languages, spoken in Ireland, Scotland, and Wales. Many words have been added to the English language by immigrants who came to North America from various countries of Europe. Also, many more words have been adopted from the Native languages of North America, Australia, and the Pacific, and from the languages of peoples of Africa and Asia. All of these words have made English a very interesting language.
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  |  9417 learners#Education #Essays

There have been many great writers in the history of English literature, but there is no doubt about which writer was the greatest. Many people consider William Shakespeare to have been the best writer who ever lived.

William Shakespeare was born in the town of Stratford, England, in the year 1564. When he was a young man, Shakespeare moved to the city of London, where he began writing plays. His plays were soon very successful, and were enjoyed both by the common people of London and also by the rich and famous. In addition to his plays, Shakespeare wrote many short poems and a few long poems.

Like his plays, these poems are still famous today. Shakespeare's most famous plays include Romeo and Juliet, Macbeth, Hamlet, King Lear, Othello, and Julius Caesar. Usually, Shakespeare did not invent the stories that he told in his plays. Instead, he wrote his plays using stories that already existed. However, Shakespeare's plays told these stories in a more interesting way than ever before. Some of the stories were tragedies, some were comedies, some described historical events. In his plays, Shakespeare revealed a very wide knowledge of many areas of life.

The characters in his plays discuss many different topics, often with the knowledge of experts. But what is even more impressive about these plays is Shakespeare's use of the English language. His vocabulary was very large, and Shakespeare seems to have introduced many words to the language. Also, many of the phrases that are said by Shakespeare's characters are now used in everyday conversation.

Today, writers often use quotations from Shakespeare's plays in their own works. But perhaps even the most impressive features of Shakespeare's plays are the characters within them. The many characters in his plays seem very different from each other, but they seem very realistic. The emotions they feel, the words they say, and the actions they perform are all easily understood.

Many people who watch one of Shakespeare's plays will find that they know people who remind them somewhat of the characters in those plays. Shakespeare died in the year 1619, but his writings are still popular today, 400 years after they were written. The poems and plays are greatly admired by experts in literature, but also by people in general. Each year, hundreds of thousands of people enjoy attending performances of Shakespeare's plays. No other writer in the English language has remained so popular for such a long time.
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  |  9118 learners#Culture #Biography

About a thousand years ago, people known as the Vikings were known and feared throughout Europe. The Vikings were the people of the northern part of Europe, called Scandinavia, which includes the modern countries of Denmark, Norway, and Sweden. The Vikings made their living by farming and fishing.

However, by about the year 700, they began making attacks, or raids, upon towns along the coasts of Europe in order to steal the wealth of those towns. The Vikings made their attacks very quickly and without any warning. They were very cruel to the people of the towns they attacked, and they sometimes destroyed the towns by burning down the buildings. In some parts of Europe, the local kings would often fight against the Vikings. Sometimes, however, the kings would pay the Vikings in order to persuade them not to attack.

Although the Vikings were known as fierce warriors, they also built excellent ships. The wooden Viking ships, called longboats, were able to sail even in very bad weather. Many Viking longboats were about 20 metres long, but some were nearly 90 metres long. The Viking sailors used both sails and oars to move their ships. The Vikings travelled across a large area. They made many of their attacks in Britain, France, and Germany, but sometimes sailed south, into the Mediterranean Sea. Other Vikings moved to the east, and then sailed along the rivers of Russia. Some even went as far as the area that is now the country of Turkey. In some places, the Vikings decided to stay. Many Vikings settled in England and in France, and eventually they mixed with the local people. Other Vikings settled in Russia and also mixed with the people there. The most famous travels of the Vikings were in the Atlantic Ocean. Vikings sailed westward to the island of Iceland where many of them stayed.

Today, the people of Iceland are descended from the Vikings. Some Vikings sailed farther west to the cold island of Greenland. Vikings lived in Greenland for several generations, but eventually they died out. Some Vikings had gone even further west and reached the Canadian island of Newfoundland. The Vikings only stayed for a few years, but they had reached North America about 500 years before Christopher Columbus. Gradually, the Vikings became converted to the Christian religion. They also stopped raiding the towns of Europe, and instead of fighting, they began trading with their neighbors. Today, the Scandinavian countries are known as very peace loving nations.
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  |  9494 learners#Culture #Essays
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