They Weren’t Sure About The Truth, But They Could Spot A Lie!


The elderly couple live on a different floor in our building.   As they got into the elevator, they flashed their “I voted” stickers and asked Sally and I if we had, too.   Of course.  We always vote by mail.  They wanted to know our thoughts.  The husband admitted that they had been confused.  They had seen all of the commercials on TV.   I briefly explained the basics and they were both relieved.  He explained that they had been unsure about the truth, but they knew they could spot the lies.  They had voted NO.  I let them know that Issue 1 was going down in flames.

Webster’s Dictionary defines the word “overreach” with a picture of the Ohio Republican Party.  Heavily gerrymandered, our state has Republican supermajorities in both the Ohio House and Senate.  That is pretty amazing for a state that is about 55% Republican.  No matter how much power they have amassed, it is never enough.  The citizens of our state had the nerve to challenge the legislatures’ fixation on women’s bodies and sought to amend the Ohio Constitution.  The goal was to restore the rights lost with last year’s Dobbs Decision.   Instead of moderating Ohio’s extreme legislation to find a way to more closely reflect the will of Ohio’s voters, our elected leaders tried to change the rules in the middle of the fight.  That cynical ploy was Issue One.

This wasn’t the first example of Republican overreach.  I reminded my Republican friends of the time the Republicans tried to destroy the public employee unions, 2011’s Senate Bill 5.  In November 2011 the voters of Ohio stomped all over Governor Kasich and overturned the law.   The final tally from this past Tuesday’s vote will rival that of 2011.

Desperate to win, the proponents of Issue 1 tried several arguments:

  • It will make it harder to amend our constitution.
  • Abortion! Abortion! Abortion!
  • We must protect the Ohio Constitution from out-of-state special interests.
  • We will lose control of our children and they will all become Trans!

Needless to say, the shrillness of the ads promoting these arguments were very persuasive to the people who already wanted to vote in favor of Issue 1.  When talking with anti-abortion groups, Ohio Secretary of State Frank LaRose claimed that Issue 1 was 100% about abortion.  To the general public he presented a more balanced, if not completely honest, view.  The most amusing was #3.  Protect Our Constitution received $4,000,000 from Illinois billionaire Richard Uihlein.

Over 3 million Ohioans casted their votes on Tuesday.  Close to 60%, a clear majority, voted for majority rule.  This won’t impact our gerrymandered legislature, yet, but it will serve as a reminder.  Our citizens aren’t always sure of the truth, but they sure can spot a lie.


Picture – OhiO – David L Cunix

Random Thoughts 2023

We have been wallowing in woke negativity.  For over 3,000 years we have been instructed to tell our children that “we were slaves to Pharaoh in the land of Egypt” as if this was a bad thing.  Now, thanks to Ron DeSantis, I realize that we owe the Egyptians a debt of gratitude.  After all, we learned how to make large buildings and waterproof baskets.

#####     #####     #####

You have to wonder about the way some insurance companies do business.  If an insurance company screws the agents who bring them business and makes them money how will they treat a client on the verge of a major claim?

#####     #####     #####

I recall some of our friends telling us to “get over it”.  The American public knew that Donald Trump was a serial philanderer and tax cheat, but he won.  That’s that.  Well now that he may have to pay for past and, oddly enough, present crimes, it seems like our friends may be the ones who need to “get over it”.  I’ve heard that we should ignore his alleged criminality because he is running for president.  Can’t this wait?  But Donald Trump will be running for president, unless G-d forbid he wins, for the rest of his life.  If he loses the Republican nomination, he will be running as a third party candidate.  When he loses in 2024, he will immediately announce for 2028.  This pattern will continue until either he is pardoned, convicted, or elected so that he can dismiss all charges.  If this works, we’re going to need bigger ballots.

#####     #####    #####

Five letter last names carry a certain amount of weight in this country.  Look at our current and previous couple of presidents.  Obama, Trump, Biden.  Cunix is just as memorable, if not as pronounceable.  And yet my kids are not seeing any benefit.  Saudi princes aren’t throwing money at my children.  Chinese businessmen are not contacting them.  None of my children or stepchildren are sitting on the boards of international corporations.  I’ve seen E., D. Jr., and H. on TV.  They are proof that brains and talent aren’t the only paths to success.   I’m beginning to think that some five letter last names may lead to million dollar pay days.  Cunix just isn’t one of them.   Good thing my kids are finding their own way.


Picture – Waiting For The Boomerang Effect – David L Cunix

A Darn Shame

I was thinking about my clients.  The people who come to my office are Jewish, Catholic, Protestant, Muslim, Sikh, Hindus, Agnostics, and Atheists.  Not only to I have clients who are adherents of so many faiths, I also have had the opportunity to provide the health and life insurance for a number of churches and synagogues.  My clients are male, female, and non-binary.  Some of my clients are straight.  Others are L, G, B, or T.  I know this because I have spent 45 years talking with my clients and getting to know them as people.  They have trusted me to protect their privacy.   They have allowed me to help solve their insurance needs.

What an honor!  So many of us are lucky to have specialized knowledge, an understanding of how one little segment of our world works and the ability to help people.  For me, insurance.  For others it might be family law, or dentistry, or taxes, or that employee at the mall who helps you to purchase the right suit.  Specialized knowledge.  I celebrate the opportunity to help someone.  Which brings me to the recent Supreme Court decision.

The news reported that a woman in Colorado took a case to the Supreme Court in the hope that she wouldn’t be forced to create wedding websites for gay couples.  She wasn’t doing wedding sites and she didn’t have any prospects.  She could have easily eliminated her potential future problem by posting on her website that she respects her religion’s view of marriage and that all of her websites would include references to marriage being the solemn union of one man and one woman.  Gay couples would reject her and her company.  Where is the fun in that?  No, she wanted to reject them, the gay people, and to shame them.

I can’t imagine that this woman will be successful.  Is there a market for her services?  The organizations that funded this lawsuit don’t need her.  One thing is certain, she will never have a chance to meet and get to know the millions of Americans who don’t look like her, pray like her, or LOVE like her.  And that is a darn shame.


Picture – The World Won’t Stop For You – David L Cunix

Republican PTSD

He needed a hug.  Actually, they all did.  I was in Columbus and I heard or met with members of the Republican Ohio House and Ohio Senate leadership.  They had all been traumatized and were prepared to tell anyone who would listen.  We didn’t ask.  I certainly didn’t.  They just started to blurt out their pain and anguish.  And even though they all spoke to us separately, the story was the same, as if it had been scripted.

The first point that each of them felt that they needed to make was the uniqueness of OHIO.  Did we know that most states didn’t allow citizens to initiate constitutional amendments? I had never given it any thought, and since I was in Columbus to make sure that my clients weren’t subject to even more unnecessary phone calls and solicitations, constitutional amendments weren’t on my mind.  But it was very important to these Republicans.  We were told that 37 states prevented this type of constitutional amendment.  Ohio was one of 13.  We were told this with the expectation that we would marvel at the progressive nature of our state and that we would be grateful that we still had this right.  By the way, the correct answer is technically 18 states, but 13 sounds so much more impressive.  Now that we all understood Ohio’s special place in the union, it was time for them to share the real source of their pain.

CASINOS!  Yes, they were traumatized by Ohio’s four casinos. They each recalled all of the sordid details.  First the land was purchased.  The casino operators were all out-of-state corporations!  Then they crafted an amendment that made them, and only them, the likely winners of legalizing casino gambling in Ohio.  And the well-funded campaign was successful.  The constitutional amendment passed with 52% of the vote.   The casinos and the Ohio citizens managed to go around the legislature, the governors, and the special interests that had wanted to prevent casino gambling for decades.  They trembled just talking about this.  And that is why they were forced to rush through legislation to change the way signatures would be collected for future constitutional amendments and change the voting requirement from a simple majority (50% + 1) to 60% of the vote.  I’m sure you can feel their pain.

It may have taken a moment, but almost everyone in the room remembered that the casino amendment passed on November 9, 2009, 14 years ago.  Once the Ohio Senate Majority Leader finished blubbering about casinos he then announced that he had nothing more to say on the subject.  But this kind of blatant BS only makes some of us look more closely at everything else we’re told.

Your friends and neighbors are collecting signatures for an amendment to the Ohio constitution that would restore the rights Ohioans lost when the US Supreme Court overturned Roe vs. Wade last year.  And should this make it to the ballot and succeed, Ohio won’t be competing with Florida or Texas, or even Arkansas as the most regressive state in the union.  That, and not casinos, is what keeps our legislators up at night.  The governor just signed a law to eliminate August elections.  Our Republican friends crowed about saving the taxpayers $20,000,000.  Now we are going to have an emergency election in August to change how citizen initiated amendments make it to the ballot and possibly the constitution.

We are waiting for the final ballot language to know whether we will need to vote NO or YES to block this abomination.

But while we wait, be on the lookout for your elected Republican member of the Ohio House or Ohio Senate.  Of course they need to be repudiated.  But they also need a hug.


Picture – A Gift From My Attorney – David L Cunix

Number 987

William Shakespeare, in the play Julius Caesar, declared that “a coward dies a thousand times before his death, but the valiant taste death but once”.  By my calculation, many of the Republican members of the US House and Senate will soon be reaching their quota.  I’m absolutely positive that one of our Ohio Congressman is on Number 987.

I was in Washington DC last week.  I attended meetings, took part in some lobbying, and spent hours as a tourist wandering the Halls of Congress.  A tourist.  The doors to the House and Senate buildings were guarded and everyone entering passed through a metal detector.  Like other tourists, I had paper and a pen.  I didn’t see a single tourist armed with zip ties, bear spray, or any form of weapon.  You aren’t surprised.  You know the difference between a tourist and a terrorist, a law-abiding citizen and an insurrectionist.  Tucker Carlson believes that his audience doesn’t.

Speaker of the House (Lucky 15) Kevin McCarthy has given 40,000+ hours of security footage from the January 6th insurrection to Tucker Carlson of FOX.  Mr. Carlson, with the help of some carefully edited tape, is now trying to convince his audience that they didn’t see what they thought they had seen on live TV on January 6, 2021.  Tucker claims that it was a crowd of meek tourists who somehow found themselves in the Capitol that day.  The Senate Minority Leader, Mitch McConnell, is not having any of this.  He very publicly denounced Tucker Carlson and McCarthy’s foolish gesture.  McConnell and his leadership team stood by the assessment of the Chief of the Capitol Police.   Where are the cowards in the Republican controlled House?

Was it an act of cowardice to cower in the House Chamber as the Capitol police held the rioters at bay?  NO!  Were the Members of Congress who reached for gas masks or were rushed down back stairwells to safe rooms cowards?  Absolutely not!  Now if these people roaming the halls were, in fact, meek tourists, then yes, the fear the Congressmen exhibited would have been unfounded, perhaps even silly.  Was your Republican Congressman standing by the door of his office to welcome these tourists to Washington?  Did your Republican Senator offer the QAnon Shaman a special tour of the Senate Chambers?  Of course not.  That would have been foolish and dangerous.  It is your Congressman’s silence now, in the face of dangerous propaganda, that is the real act of cowardice.

Your local Congressman’s office will be quick to counter that this representative of the people is an attorney, a former prosecutor (common stepping stone to Congress), and shouldn’t be expected to address every issue.  Ignore the weasel words.  I get their weekly emails, newsletters, and fundraising letters.  There are lots of pictures with policemen and local sheriffs. And to this day each one of these snivelers can describe in vivid detail the riots in 2020 after George Floyd was handcuffed and killed by a Minneapolis policeman.  These Congressmen’s outrage is both palpable and totally safe.  Standing up for the United States which means taking on the former president who fomented an insurrection, the vandals and thugs who overran the Capitol, the members of their own party who facilitated the attack, and the media that is whitewashing the affair takes a measure of courage foreign to these members of Congress.

And so these cowards die another death.  After 8 years of Donald Trump, I’m guessing we are up to number 987.


Picture – Winter In DC – David L Cunix


The Other Side

The river was wider than anticipated.  Not deep.  I was never in any real danger of drowning, or at least I didn’t think so.  But I didn’t realize how far it was to the other side.  And now, with the shoreline within reach I can turn around and see, for the first time, how far I’ve come in the last year or so.

I wrote an essay this past August that included my death.  It wasn’t morbid or predictive.  The story was a fantasy that included aliens and robots and leaned heavily on The Truman Show and Brave New World.  My editors were not amused.  Not only did I not publish post, but I also stopped writing.  Death, not physical and certainly not mine specifically, but death, the end of things as I knew them to be, was a constant theme for me in 2022.  It has taken until now to understand that.

I was forced to confront major issues in 2022:

  • Was I prepared to be alone for days at a time?
  • Could I accept that insurers, in today’s environment, would dare to provide cable company levels of service and customer care?
  • Could I ignore our elected and appointed leaders and retain my faith in this country?

As I said, these were my issues.  Feel free to dismiss them if you’d like, but I now realize what a struggle they presented to me.  It was as if each added another foot or two of water to the depth of the river I was crossing.

*          *          *          *          *

Jeff Bogart and I moved into an office on Chagrin Boulevard on October 13, 2000.  I teased him for years that the only reason I agreed to share space was so that I didn’t have to eat lunch alone.  Truth, my biggest motivation to having an office partner was so that I didn’t have to eat lunch alone.  We hung out through four locations and twenty-two years.  When we had time we would talk sports, politics, and music.  And because we were two separate businesses we could afford a full-time secretary.  Did we need a full-time secretary throughout the year?  Maybe, but it gave me one more person in the office.  It is a zoo here during Open Enrollment when I may have 7 or 8 clients in here per day, but during the rest of the year it can be very quiet.  Too quiet.

It has been about ten months and I am adjusting.  Ari, my part-time secretary, has already been exposed to more rock and roll history, presidential politics, and insurance than she ever wanted to know.  G-d knows what she’ll retain or how she’ll explain this gig after she’s moved on.  The new office has begun to feel like home.  That is important considering how many hours I spend here each day.

*          *          *          *          *

Insurance companies are businesses.  Their first priority is to make money.  But there are two types of insurance companies.  MUTUAL companies are owned by their policyholders.  Technically they function for the benefit of the people who have purchased insurance policies from them.  STOCK companies are owned, and function for the benefit of, shareholders.  This does not mean that a mutual company will necessarily do a better job of providing customer service or paying a claim.  The health and life insurance portions of the insurance industry have been more client focused than, for example, your car insurance carrier.  I’ve been doing this 44 years and never had an experience like the one I detailed in my March 28th post, Exhausted.

The insurer, a company known more for its name than for the products it writes, left a permanent mark.  And though this insurer is far and away the worst I’ve ever dealt with, 2022 had other insurers choosing to disregard the needs of both the clients and the agents who serve them.  One company “forgot” to tell either the agents or the clients that it was no longer including Pediatric Dental in its individual health plans.  But that company has a history of communicating with us on a need to know basis, and oddly enough, we never need to know anything until we catch them.  Another company, one known for its internal chaos, had to be reminded that they can’t cancel a client just because they, the insurer, made a mistake.  It took 40 minutes on the phone today, but everything is OK now.  This is stupid shit.  Totally unnecessary.  It weighs on us, the agents that follow through and keep the insurers in check.  Alone it is just another day.  When you are waist high, these issues can seem like you are being pulled under.

*          *          *          *         *

 It was July 6th, only a couple of days after the horrific Highland Park shooting, and rightwing media was trying desperately to spin the story.  The bodies had yet to be buried but the right was trying to find a way to portray the shooter, a troubled young man that should never have been able to purchase guns, as a transvestite since he disguised himself as a woman to escape from the scene of the crime.  I listened to one of my friends explain that the shooter had to be a liberal since Trump supporters all love this country and would never shoot up anything.  I can’t make that up.  And though political violence is not strictly a phenomenon of the extreme right, to deny it is a feature of today’s FOX / OAN / Bannon War Room mentality.

I was led to believe that we chose our leaders.  Gerrymandering has proven that our elected officials often choose us.  And that is why I have always had more faith in the Senate and, to a lesser degree, the president, than the U S House.  The whole state elects a Senator.  That faith can quickly be eroded by the likes of a Tommy Tuberville or Ron Johnson.  Ohio has had Senate leaders as well as guys who seemed to make Ohio better with their absence.

We are facing huge issues as a country.  Are our current crop of elected representatives up to the task?  I honestly don’t know.  It took 15 votes and some of the ruling party to nearly come to blows to elect Kevin McCarthy the Speaker of the House.  15 votes!  We were on vacation in Punta Cana wondering what kind of country settles on the likes of Kevin McCarthy for this important a position.  And the Republicans didn’t have a second choice!  My beach book was the January 6th Report.  I only got halfway through.  It was too depressing.

I want to believe.  I want to feel that the people we send to Congress will, eventually, focus on the good of our country.  Sure, they have to argue for awhile about drag queens and CRT, but I have to hope that our real concerns will be addressed.  I’ll be in Washington in a few weeks.  I’ll let you know what I see.

*          *          *          *          *

 The river was wide, but I really do feel that I have reached the other side.  Little things like celebrating my birthday with friends and at Shul, playing racquetball again this past Sunday, and even baking a cherry pie helped me to find solid ground.  And if you find yourself wading across a river, I hope that you, too, will reach the other side soon.


Picture – With Snorkel Gear – David L Cunix


Mitch McConnell loves to remind Americans that elections have consequences.  He only believes that when the Electoral College and a handful of nearly empty states gives Republicans both the presidency and the Senate.  Then it is the time for tax breaks and court packing, but not governing.  It seems odd to me that the Republicans have been adept at running on particular issues over the last decade, but totally unprepared to legislate and govern once given power.

The obvious example is health care.  The Republicans voted over 60 times to dismantle the Patient Protection and Affordable Care Act (Obamacare).  They successfully kept their base engaged and raised a lot of money.  Did they have a plan? NO!  An alternative?   NOPE!  In 2017 they came within a couple of votes of destroying our health care system.  Would you really want Ted Cruz or Rand Paul to play chicken with your access to health care?  We were perilously close to a disaster.  Two years later the Republicans of Texas attempted to drag the rest of the country down to their level of health care.

Abortion is another example.  Megyn Kelly and Bret Baier were anchoring FOX’s election coverage in November 2012.  Their analyst was “Bush’s Brain”, Karl Rove.  The three of them were shocked and frustrated by the exit polling and refused to accept the results.  The majority of those polled favored smaller government, but the Republicans were losing.   Smaller government on FOX means limited business regulation and lower taxes.  Kelly and Baier were surprised that Americans voters were concerned about the Republican’s interest in intrusive social legislation.  Americans were voting to keep Republicans out of our bedrooms and doctors’ offices.  Now that the 2022 Dobbs decision has overturned Roe, are the Republicans prepared to govern?  The answer is NO.  A lot of effort was invested to legislate religion and a version of morality without any concern to the consequences of the legislation.  Rape? Incest? The life and health of the mother?  The normal procedures post-miscarriage and/or still-born?  Fifty years of campaigning and fundraising, but little effort to think this all the way through has left us with a pending health care disaster.

Social Security has become a new Republican talking point.  Sunday’s News-Herald included an editorial from Ramesh Ponnuru, an editor of the National Review and a fellow at the American Enterprise Institute.  Mr. Ponnuru can’t hide the efforts of Senator Rick Scott (R-FL) to force Social Security to be re-authorized every five years.  Sure the idea of a grandstanding Senator holding hostage the rent and food money of millions of senior citizens might seem scary to most of us, but Mr. Ponnuru is unconcerned.  Not to be outdone, Senator Ron Johnson (R-WI) has proposed an annual vote.  Again, Mr. Ponnuru wants us to know that “Republicans are not plotting to undermine Social Security”.  And he is probably right.  The Republicans just want to run on the issue of “government mandates”.  They want to raise funds from their big donors, keep their base riled up, and hopefully never have to actually do anything.

And if, accidently, Social Security suddenly ended and millions of Americans were left unprotected?  Like Mitch McConnell said, elections have consequences…


Picture – The Cost Of Indifference – David L Cunix

Right Track / Wrong Track


The results are in.  The most recent AP – NORC (National Opinion Research Center at the University of Chicago) poll reveals that 85% of Americans say that the country is headed in the wrong direction.  Finally, something we can agree on.  But why, why do we think the country is going in the wrong direction?  There you will find little agreement.

#          #          #          #          #

Are you unhappy about the economy?  Are you unhappy about the inflation that was predicted by those who opposed the Trump tax cuts and the artificially low interest rates of the last administration, the inflation that resulted from the stimulus checks of 2020, or the inflation from last summer’s American Rescue Plan?  Or is the current economy the inevitable result of COVID, Ukraine, or the unseen pendulum that swings from one direction to another?  I don’t know.  I’m not as nervous as I was in 2008, but I’m not comfortable.  It is more than understandable that you might not be, too.

#          #          #          #          #

There were 4th of July parades around the country today.  Most featured elderly veterans, marching bands, and local politicians passing out candy to the flag-waving children lining the streets.  Highland Park, Illinois, a suburb of Chicago had a uniquely American twist, a gunman with a high powered weapon.  So far six are dead and dozens injured.  As I write this the “person of interest” a 22 year old has been arrested.   At a parade!

The Congressional Research Service defines a mass shooting as an incident where four or more people were shot.  This does not include the shooter as one of the victims.  By that definition we have had over 250 mass shootings in our country this year.  Where do you feel safe? The grocery store?  School?  A place of worship?  How can you think that we are going in the right direction when you and your children aren’t safe at a parade?

#          #          #          #          #

Many of the Justices on the Supreme Court, especially the newest ones, are convinced that they know the intent of the men who wrote our Constitution in the late 1780’s as well as those who drafted the post-Civil War 13th, 14th, and 15th Amendments.  They KNOW their intent.   I find this interesting in that none of these Justices would have been confirmed had a few Senators known THEIR intent.   Did the nominees lie to Senators Collins and Manchin or did they just tell the willfully naïve what they wanted to hear?  Are these sins of omission, commission or just successful politics?  Even our “Ends Justifies The Means” crowd on the political right can’t feel too good about this.

#          #          #          #          #

Part history, part philosophy, and in truth, a large part BS, we engaged in a discussion.  When did / will America peak?  Some said that we have yet to reach our full glory.  They predicted that the US would be even greater and more important.  Others thought that we had already hit our top.  I’ve participated in this conversation since the early 70’s and my position remained unchanged.  I think we peaked in the late 1950’s.  We were still riding the high of World War II.  The Marshall Plan showed that we could help countries devastated by the war.  We had yet to fully commit to the disaster that was to be Vietnam.  Unions and the GI Bill were helping to create a powerful middle class.  We had problems, mostly self-created, with equality, but we were starting to acknowledge them.  Now, 50 years since those dorm room discussions, I’m more convinced than ever that we are past our peak.  I might have been wrong in my earlier assessment.  In a recent conversation I said that I might have been off by a decade.  Perhaps we peaked in the late 1940’s.

One thing is for sure.  When the Supreme Court is filled with activist judges trying to impose their religious beliefs on the country; when you are worried about fueling the car and feeding your kids; and when you don’t feel safe; it is impossible to say that we or our country are on the right track.


Picture – Wrong Way – David L Cunix

Still Trying To Live In The 3 1 5

Like many of you, I am still trying to process the events of the last couple of months.  As a country we have suffered from mass shootings, the revelations of how close we came to losing our form of government, and the recent rulings from the Supreme Court.  There are violent wars at home and abroad.  Below is a post from January 2012 entitled Living In The 3 1 5.  I think this is a good place to start our conversation.

*          *           *          *

The time has come to aggressively pursue moderation.  It is time for us, the majority of Americans, to assert our right for representation in the statehouse, the House of Representatives, the Senate, and even in the White House.  It is time for us, the members of the 3 1 5, to elect one of our own.

What/Where is the 3 1 5?  It is right here.  It is the middle.  On one extreme are those with faith in faithlessness and an almost slavish devotion to science.  This extreme can be represented by Pi or 3.14.  The other extreme sees the invisible hand of their G-d in everything, right down to the yardage gained by their football stars.  They can be represented by the New Testament verse 3:16 from the Book of John.

3 1 4 on one extreme.  3 1 6 on the other.  Me?  I’m living in the 3 1 5.

I watched the Republican debates this past week.  Four men vying for the most powerful position in the world were fighting over which was least likely to hunt down elderly illegal Mexican women who are busily making cookies and tacos for their grandchildren.

Of course, the grandmother debate was a welcome break from the usual discussions of abortion, Obamacare, and the bombing of Iran.  Thursday was the 19th debate.  Even my Republican friends have stopped watching.

So Friday night I caught Real Time with Bill Maher.  Mr. Maher has made a fetish of attacking people of faith.  On last night’s show he assailed Mitt Romney for donating heavily to the Mormon Church and taking the appropriate tax deduction.  Mr. Maher would like to reduce faith in a higher power and all religion to believing in a talking snake.

We, the 3 1 5, are under siege.  It may be easy to laugh at Rick Santorum, a former US Senator who is running for President, Vice-President, or the part of Milhouse when The Simpsons finally come to Broadway, but there are people voting for him.  He may have won the Iowa Caucus.  And as much as he would like to limit the government’s regulatory involvement in business, he and his fellow Republican hopefuls wish to insert their religious beliefs into our personal lives.

The Democrats are far less concerned with our bedrooms.  In fact, the bedroom, or our interpersonal relationships, may be the only area they don’t wish to regulate.  My other blog, Health Insurance Issues With Dave, has discussed the government’s overreach into the payment and delivery of healthcare.  Another issue is the recently passed Dodd Frank legislation that was meant to prevent another 2008 style meltdown.  Yes, we needed more government oversight.  Unfortunately, we shot past more and went all of the way to excessive.

In an effort to correct one party’s excesses we elect the other side and get blindsided by their excesses.  Back and forth.  Back and forth.  We in the 3 1 5 suffer from whiplash as one extreme or the other gets their moment of power.

Do we, the 3 1 5, have a presidential candidate?  None come to mind.  Perhaps you could name a prospect or two?  It is time for us to give this some thought.  Stuck in the middle of a large lake, we are in a row boat with one oar.  We aren’t moving forward.  We won’t, we can’t, until we acquire a second oar and learn to use them in tandem.

*          *          *          *

May and June 2022 have been horrific.  The 3 1 5 may be a goal, but I don’t know that where it is and I don’t know if we can get there.


Picture – Afternoon In America – David L Cunix

Are You Lonely Tonight?


Two Scenes From The Not-To-Distant Future:


Four white-haired gentlemen enjoying breakfast at McDonald’s were approached by two individuals, a man and a woman, both in business attire and carrying briefcases.  The man addressed the diners while the woman opened her laptop.

“Good morning gentlemen.  I am agent Rogers and this is agent Moore.  As per Ohio Representative Bill Dean, we are here about Ohio House Bill 675 signed into law by Governor DeWine on August 15, 2022.   This will take just a few moments.  We need your name and the name of your Medicare Supplement company.”

As Bob reached into his pocket to find his insurance card, a young mother rushed over to the table.  “These two aren’t government agents.  They’re insurance agents.  I saw them here last week.”  Rogers, the insurance agent, started to protest that they were allowed to solicit Medicare Supplements at public places and even McDonald’s.  Bob noted that this might be legal, but it certainly isn’t right.


The elderly couple pushed their shopping cart through the parking lot.  Just as they opened their trunk, a young man rushed up to their car.  It took a moment or two for the couple to fully grasp the situation.  Finally the woman spoke up.  “Thank G-d you’re just some skeevy insurance agent.  We thought you had a gun.”


This could be our future if the State of Ohio passes House Bill 675.  This isn’t a large bill.  It will only take you a couple of minutes to read it.  Ohio Representative Bill Dean (R-74) is the bill’s sponsor.  I plan to provide a copy of his testimony to every client who complains to me about insurance agents bothering them at their homes or at dinner.  Some of you might think that I am exaggerating the risk.  Is the State of Ohio encouraging insurance agents to accost us?  This is from Representative Dean’s testimony:

The current rule, Ohio Administrative Code 3901-8-09, prohibits virtually all agent-generated communications with potential clients unless it’s through direct mail or if the potential supplemental insurance client is already a business client. Here are a few examples of how restrictive the current prohibitions are:

  • An agent calling fellow members of a 65+ group at his or her church about purchasing supplemental insurance; 
  • An agent sending a Facebook message about interest in purchasing insurance to someone they graduated from high school with 50 years ago; 
  • An agent approaching a group of seniors enjoying their coffee at McDonald’s and asking them if they’re interested in chatting about supplemental insurance.

Unless the agent has an existing business relationship with these potential customers, all of these interactions violate the current rule in place.    Representative Dean wants to change that.

I’m 67.  I get all of the solicitations from out-of-state call centers.  Most of them are illegal but somehow beyond the reach of the Ohio Department of Insurance.  It is annoying to have my cellphone ring at 7 AM on a Saturday morning.  We (seniors) may not have to answer the phone, but we do have to see who is calling us.  It could be important.  It might be a sick friend or family member.  We need less people hounding us, not more.  We don’t need someone knocking on our door, approaching us in a restaurant, or tracking us down in a parking lot.  Representative Dean thinks that Ohio’s seniors are being deprived of important purchasing opportunities.  And he must think that we are lonely.  Are you?  Are you lonely tonight?


Picture – It’s A Trap – David L Cunix and Ari