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The Rights and Obligations of Liberty PDF Print E-mail
Written by Nancy Lockerman   
Friday, 06 November 2009 08:50
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The Rights and Obligations of Liberty

By Mark Alexander · Thursday, October 22, 2009

The Rights and Obligations of Liberty

"No country upon earth ever had it more in its power to attain these blessings than United America. Wondrously strange, then, and much to be regretted indeed would it be, were we to neglect the means and to depart from the road which Providence has pointed us to so plainly; I cannot believe it will ever come to pass." --George Washington

In a recent discussion with a colleague, I lamented the fact that too few American citizens understand their obligation, before all others, to support and defend our Constitution, much less, engender the ability to do so. She responded that, though she considered herself a conservative (mostly because she identifies closely with some conservative principles), understanding our Constitution was not her "passion."

My friend holds degrees from the nation's finest academic institutions and is professional in all her endeavors. However, like most Americans under 50 years of age, she never had a basic civics course and consequently has a difficult time articulating even the most fundamental constitutional principles.

The fact is, as Americans, we not only enjoy the rights affirmed by our Constitution, we have obligations to understand the mechanics of that affirmation in order to sustain it for our generation and those to come.

No matter what our calling, our occupation or our passion, we have a debt and duty as citizens to both learn about and support our Constitution, and we are obliged to do so above and before all other pursuits, for without constitutional Rule of Law, there are no other pursuits.

Of course, because ignorance is institutionalized by most government education systems, including those of "higher learning," and because ignorance is apparently considered virtuous by some social subcultures, there is little probability that a too large portion of Americans will ever comprehend this obligation, much less honor it.

Fortunately, in the words of Samuel Adams, "It does not take a majority to prevail ... but rather an irate, tireless minority, keen on setting brushfires of freedom in the minds of men."

But, what of those like my well-educated colleague, who is among America's "best and brightest", who are, however, uninformed about their obligations as citizens of the greatest experiment in human history? What of those who, as one consequence of enjoying the highest standard of living on the planet, tend to take our legacy of liberty for granted and have become complacent about its attendant responsibilities?

George Washington noted at the conclusion of the American Revolution, "The value of liberty was thus enhanced in our estimation by the difficulty of its attainment, and the worth of characters appreciated by the trial of adversity."

These days, most Americans believe that liberty is their birthright. They enjoy the (relative) personal freedom of our great society but forget the corresponding personal responsibility. For most of us have never had to fight for liberty and, thus, have little concept of its value or any sense of gratitude for its accumulated cost.

In his 1833 Commentaries on the Constitution, Justice Joseph Story wrote, "Let the American youth never forget, that they possess a noble inheritance, bought by the toils, and sufferings, and blood of their ancestors; and capacity, if wisely improved, and faithfully guarded, of transmitting to their latest posterity all the substantial blessings of life, the peaceful enjoyment of liberty, property, religion, and independence."

Likewise, John Adams noted, "Liberty cannot be preserved without a general knowledge among the people, who have a right, from the frame of their nature, to knowledge, as their great Creator, who does nothing in vain, has given them understandings, and a desire to know..." He added, "Wisdom and knowledge, as well as virtue, diffused generally among the body of the people, [are] necessary for the preservation of their rights and liberties."

To that end, James Madison wrote, "What spectacle can be more edifying or more seasonable, than that of Liberty and Learning, each leaning on the other for their mutual and surest support?"

James Wilson, a signer of the Declaration of Independence and one of George Washington's original Supreme Court justices, put it most concisely: "Law and liberty cannot rationally become the objects of our love, unless they first become the objects of our knowledge."

Unfortunately, this wisdom has fallen upon deaf ears. The popular support of the current Democrat hegemony is evidence aplenty of just how uninformed the majority of Americans are regarding their Constitution and the Rule of Law.

That most erudite of contemporary economists, Walter E. Williams, wrote this week in American Idea, "At the heart of the American idea is the deep distrust and suspicion the founders of our nation had for government, distrust and suspicion not shared as much by today's Americans. Some of the founders' distrust is seen in our Constitution's language such as Congress shall not: abridge, infringe, deny, disparage, violate and deny. ... Other founder distrust for government is found in the Constitution's separation of powers, checks and balances and the several anti-majoritarian provisions such as the Electoral College and the requirement that three-quarters of state legislatures ratify changes in the Constitution."

However, writes Williams, "The three branches of our federal government are no longer bound by the Constitution as the framers envisioned and what is worse is American ignorance and acceptance of such rogue behavior. ... The American people, along with our elected representatives, whether they're Republicans or Democrats, care less about what is and what is not permissible under our Constitution. They think Congress has the right to do anything upon which they can secure a majority vote, whether they have the constitutional or moral authority to do so or not."

Williams concludes, "We are losing what's made our country great. Instead of moving toward greater liberty, we're moving toward greater government control of our lives."

Indeed, I was speaking with another colleague recently who is a Slovak national -- he was a "Young Pioneer" raised under Communist tyranny in Czechoslovakia. He has spent five years undergoing the rigors required to become a U.S. citizen (I suggested he should have simply walked across the Mexican border instead), yet he questions his pursuit of citizenship now that the U.S. is rapidly devolving into the sort of tyrannical regime he left behind.

Natural-born Americans have never experienced such a regime, and so we proceed headlong into that authoritarian abyss like so many lemmings following the ignoble piper, Barack Hussein Obama, mmm, mmm, mmm.

Of such pipers, Alexander Hamilton wrote, "Of those men who have overturned the liberties of republics, the greatest number have begun their career by paying an obsequious court to the people, commencing demagogues and ending tyrants."

Regarding the wayward affections for socialism of Obama's minions, Washington wrote, "[W]e ought to deprecate the hazard attending ardent and susceptible minds, from being too strongly, and too early prepossessed in favor of other political systems, before they are capable of appreciating their own."

"If a nation expects to be ignorant -- and free," wrote Thomas Jefferson, "it expects what never was and never will be."

But, ignorance is bliss -- at least until it runs head-on into reality, and reality is just around the corner.

Samuel Adams assured us that, "No people will tamely surrender their Liberties, nor can any be easily subdued, when knowledge is diffused and Virtue is preserved. On the contrary, when People are universally ignorant, and debauched in their manners, they will sink under their own weight without the Aid of foreign Invaders."

 
Why Choose ADIA Insurance Services? PDF Print E-mail
Written by Nancy Lockerman   
Tuesday, 12 August 2008 11:50
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Why Choose ADIA Insurance Services?

The best way to illustrate the value ADIA can provide is to give you some examples of what we do for our clients:

  • Have you ever found yourself stuck in the phone system of your insurance company wondering what button to push next? Or sitting on what feels like permanent hold? Then when you do get someone on the phone it sounds like they're speaking a language from another planet. Don't get frustrated by this, let ADIA do the work for you.
  • A client's wife had a premature delivery and the baby had to stay in the hospital for several weeks.  She asked us to help her reconcile her claims against her benefits.  We were able to save her over $4,000 in incorrect billings.
  • A family of 4 was paying $758 per month for their health insurance when they came to us a year ago.  We moved them to a comparable, newer policy at $493/month.  This year when they got their annual increase, we moved them to a new policy for $321/month.  Let's see $758...$493...$321 that's over $5,000 in annual savings!
  • A family of 4 on a group policy was paying $1127/month.  We moved them to an individual policy at $495/month. That's a savings of $632 per month and over $7,500 annually!
  • A husband and wife were paying $451/month and felt like they were healthy and paying too much for their health insurance.  We applied for a better premium based on improved health and now they are paying $321/month, a savings of over $1,500 annually!
  • We are in the top producer list for some of our insurance carriers

At ADIA, we work with you to determine the policies that best meet your medical needs, your budget and the benefits you desire from your health insurance policy. 

ALL THIS AT NO COST TO YOU!

Last Updated ( Wednesday, 07 October 2009 13:52 )
 
The REAL need for Health Insurance PDF Print E-mail
Written by Nancy Lockerman   
Monday, 11 August 2008 19:25
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The REAL need for Health Insurance

If you think the cost of health insurance is high, check this out.  These are recent real-life experiences of our customers.

A 32 year old mother was involved in a head-on automobile accident.  She was minding her own business, driving along a main 2-lane road when an oncoming car suddenly swerved into her lane directly in front of her.  In an effort to avoid collision, she swerved sharply, was hit by the oncoming car and rolled over in the ditch on the side of the road.  Her children were in the car, belted into child seats in the back. The 4 year old was checked at the ER and found to be unhurt, the 9 month old suffered a fractured femur and was seen in 2 ERs before the cause of her discomfort was diagnosed and treated.

The mom was air-flighted for 50 minutes to a nearby trauma center where she was treated in the ER for several hours, spent 2 days in ICU, 3 more days in the hospital, had 3 surgeries on one foot, one ankle and a tibia.  A week after being release from the hospital, she had to return for a additional surgeries to the foot and ankle.  Needless to say, she was in a lot of pain and was not walking for several months.

The medical bills for just the mom were:

Medical Care

Cost

Air-flight

$9,200

Emergency Room

$37,040

1st hospitalization and surgeries

$32,300

2nd hospitalization and surgeries

$21,000

Total Cost

$99,540

The good news for the family is that the insurance paid all of this cost except for a $3,000 deductible.  That is to say, the family paid $3,000: the insurance company paid $96,540!

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A 39-year-old man went to the emergency room one Sunday evening with severe stomach cramps.  He was admitted to the hospital and subsequently diagnosed with cancer.  He ended up staying in the hospital for 6 weeks, had several surgeries and chemotherapy.  There were times when his doctors weren't sure he was going to make it.  This lucky man walked away from the hospital and is back at work today.  Prior to his admission to the hospital, he felt fine and had no condition that would warrant any medical attention.

His hospital bill alone was $661,000.  That doesn't include the cost of any surgeries or the cost of the physicians time and talent.  He was very happy to pay his $1,500 deductible and walk away alive.

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Don't put your financial integrity in jeopardy! While premiums and deductibles may seem high, they are nothing compared to what hospitalizations and surgeries can cost.  These are examples of 2 healthy people who suddenly had a need for serious medical treatment. It can happen to anyone!  Even if the insurance you buy isn't the Cadillac of policies, it will protect you against these kind of expenses.  As these examples show, its easier to pay the premium than it is to pay the hospital bill.

Last Updated ( Wednesday, 07 October 2009 13:51 )
 
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