Ways To Improve Auto Industry

For starters, eliminate the dealer network monopoly and allow auto companies to sell direct to consumers. The state's outdated dealer franchise laws are only their to help the dealers rather than the consumers who keep them in business.

Once those laws are fixed, it would not be the end of the dealer...even though that is what they are deathly afraid of. This change would cause them to get creative and there is room for opportunities.

For example, they could still sell new cars but use them as showrooms with one car for each type instead of car lots with tons of inventory that they are constantly trying to get rid of. People would come by to see the cars in person but would then order their car from the car manufacturer via the dealership. The dealer would get commissions for any cars sold.

Dealers could also remain used car sellers but be part of a network of national dealers like a CarMax. Another idea is for dealers to become defacto service providers...they would provide financing services, perform repair services, provide extended warranties, act as car delivery locations, add after-market additions for custom looks, etc. Car salespeople could now become consultants rather than what people think of them right now.

With all these changes, the car manufacturers could then become built to order manufacturers where consumers can order the exact car they want for a lot less than it costs today because they would not have to produce all of that extra inventory in order to anticipate demand. They could even create a modular manufacturing process whereby consumers could build their own cars and have a completely custom designed vehicle.

Solution Providing Affordable Health Care For Every American At The Lowest Cost

The words universal health care envoke a lot of emotion on both sides of the political isle. Having the government provide health care to every person can look like "the best and right thing to do for Americans at all cost" for some and "the scariest thing in the world to think about having the Government run health care" on the other.

I have a solution to this issue that provides the benefits that both sides are looking for without alienating one side too much. What you would call a great middle of the road fix for health care in America.

• The government would cover all essential medical costs (e.g. no elective surgeries) of an individual that exceed $10,000 in a given year (or resulting from a common ailment, i.e. breast cancer costs would be covered for the same individual for their lifetime once they reach $10,000 in initial costs).


• Government would either subsidize or pay for any and all preventitive health services that would be limited to one service per person per year. Examples of this would be a yearly physical or pre-natal care.


• Government would allow every American to have a Health Savings Account (HSA) slightly modified however to fit this plan.


• All contributions to the these modified HSAs would be tax deductible if the individual contributes or provide a 100% tax credit to the business if the individual's company contributes (distributions can be used for any immediate family member's health care costs)

What happens essentially is that individuals just have to cover the $10,000 cost themselves out of pocket or via an HSA or buy a health care policy that covers only the first $10,000. The cost of an insurance policy like that should be minimal because there is no big payout risks for the insurance companies which would make it very affordable for everyone to buy. And all health insurance companies providing this coverage would not be allowed to turn anyone away which again is not a big concern because they would be limited in their liability.


The benefits to this plan are across the board:

• No American would have to go bankrupt because of high health care costs


• Cost taxpayers less money than full Universal Health Care


• Promotes good health practices like preventative care


• Drives down and cotrolls inflation of health care costs


• Encourages contribution from businesses


• Nice retirement nestegg for those who stay healthy


• Affordable health care for everyone


• Less Government intervention

Please share this post and lets start a grassroots effort to reform our health care coverage in America.