"Single Payer System"-- Educate me?

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Originally Posted by Joe Mobley View Post

I have differing opinions on this but would prefer not to hijack Joe's thread. If someone else wants to start another thread, I would be happy to join in.

Joe Mobley

I've heard this "Single-Payer System" talked about as both the Holy Grail of Healthcare,
and as another crackpot theory that wouldn't work in reality?

But I actually know very little about it outside of Wikipedia?
  • Profile picture of the author seasoned
    BASICALLY, they want it to APPEAR free, so the government pays for it from "the treasury". But people WATCH that stuff to a degree, and the government would COLLAPSE. Look at the downgrades and THREATS we got, if you don't believe me. You can ALSO look to the countries elsewhere that are failing!

    So they should cut expenses. But with all the power and promises of those that "control the purse", they WON'T! THAT is why they keep raising the "debt ceiling". The debt ceiling is SUPPOSED to be FIXED on RESOURCES, NOT changed based on "need". It IS stated in the constitution! It is effectively a CREDIT LIMIT.

    OK, so they INCREASE TAXES!!!!!! So it only LOOKS like it is single payer, but tax payers pay for it. And WHY? To give them a little extra time to do something they want to NEVER do! OH, and they get a percentage and probably WILL embezzle it like they did with medicare advantage.

    Steve
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  • Profile picture of the author ThomM
    In a nutshell the government takes total control of the healthcare system. Because, you know, they're so good at running programs:rolleyes:
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  • Originally Posted by MikeTucker View Post

    I've heard this "Single-Payer System" talked about as both the Holy Grail of Healthcare,
    and as another crackpot theory that wouldn't work in reality?

    But I actually know very little about it outside of Wikipedia?
    The U.S. is pretty much the only industrialized country in the world that doesn't have a health care system based on the single-payer model.
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    • Profile picture of the author Joe Mobley
      Let me start by saying that there are strong emotional feelings about this topic, including mine. If we could keep a level of respect for each other, this might turn into a good thread.

      If not, Paul and the Mods would and should lock it up.

      Joe Mobley
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      • Profile picture of the author MikeTucker
        Originally Posted by Joe Mobley View Post

        Let me start by saying that there are strong emotional feelings about this topic, including mine. If we could keep a level of respect for each other, this might turn into a good thread.

        If not, Paul and the Mods would and should lock it up.

        Joe Mobley
        ^^Yep, exactly this. And for everyone's information,
        I'm very curious about this so if I play Devil's Advocate to
        something you say, it's not directed at you-- I'm just a blind
        man trying to figure out what this elephant is?


        So I could take a not-so-wild guess as to what your basic
        feelings on the matter are, (Most of us could probably guess
        what many other people around here think!) but care to share
        them yourself?
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        • Profile picture of the author Joe Mobley
          Originally Posted by Joe Mobley View Post

          Let me start by saying that there are strong emotional feelings about this topic, including mine. If we could keep a level of respect for each other, this might turn into a good thread.

          If not, Paul and the Mods would and should lock it up.

          Joe Mobley
          Originally Posted by MikeTucker View Post

          ^^Yep, exactly this. And for everyone's information,
          I'm very curious about this so if I play Devil's Advocate to
          something you say, it's not directed at you-- I'm just a blind
          man trying to figure out what this elephant is?


          So I could take a not-so-wild guess as to what your basic
          feelings on the matter are, (Most of us could probably guess
          what many other people around here think!) but care to share
          them yourself?
          I will see where this thread goes. I am not encouraged so far.

          Joe Mobley
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    • Profile picture of the author HeySal
      Originally Posted by Hopeless Bromantic View Post

      The U.S. is pretty much the only industrialized country in the world that doesn't have a health care system based on the single-payer model.
      We're the only constitutional republic, too.

      We're never going to see true reform until they topple the medical industrial complex instead of fabricating all these damned "plans" to pay for it. Look at the markup we pay on drugs -- 1000 - 2000% markups on the prices of drugs.

      The only way to fix our system is to make it manditorily a non-profit sector. As long as we have medicine for profit, we're going to have unaffordable prices, with hospital, insurance, and drug mogals getting filthy rich from keeping us sick and drugged. Giving the system to the gov, does absolutely not one thing to fix it - if just gives gov more power to decide who survives and who doesn't and more power to bleed us of anything we might accidentally have left from the financial and job crises.
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      • Profile picture of the author MikeTucker
        Originally Posted by HeySal View Post

        We're the only constitutional republic, too.

        We're never going to see true reform until they topple the medical industrial complex instead of fabricating all these damned "plans" to pay for it. Look at the markup we pay on drugs -- 1000 - 2000% markups on the prices of drugs.
        One of the more interesting parts of the new healthcare law
        that we do have in the US is the new rules for publication
        of pricing... It seems to me that going forward it is going to be
        very difficult, if not impossible, to maintain such ridiculous
        markups?



        Originally Posted by HeySal View Post

        The only way to fix our system is to make it manditorily a non-profit sector. As long as we have medicine for profit, we're going to have unaffordable prices, with hospital, insurance, and drug mogals getting filthy rich from keeping us sick and drugged. Giving the system to the gov, does absolutely not one thing to fix it - if just gives gov more power to decide who survives and who doesn't and more power to bleed us of anything we might accidentally have left from the financial and job crises.
        I agree a lot with this, making it a mandatory non-profit would
        fix a lot of social issues.

        And giving some individuals governmental power of life-and-death
        is obviously a mistake.


        But my concern is that right now medical science is growing at
        massive rates and some truly wonderful things are being discovered.
        Every day I am fascinated by the massive strides that are being taken.

        If we take the money away, won't we lose a large number of the
        most talented, driven people who are driving these discoveries?
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        • Profile picture of the author seasoned
          Originally Posted by MikeTucker View Post

          One of the more interesting parts of the new healthcare law
          that we do have in the US is the new rules for publication
          of pricing... It seems to me that going forward it is going to be
          very difficult, if not impossible, to maintain such ridiculous
          markups?
          OK, WHEN will they put that in HC.G?

          I agree a lot with this, making it a mandatory non-profit would
          fix a lot of social issues.
          Like what?

          And giving some individuals governmental power of life-and-death
          is obviously a mistake.
          You mean like "kathleen sebelius", or the 15 on that panel?

          But my concern is that right now medical science is growing at
          massive rates and some truly wonderful things are being discovered.
          Every day I am fascinated by the massive strides that are being taken.

          If we take the money away, won't we lose a large number of the
          most talented, driven people who are driving these discoveries?
          Well, the money has to come from SOMEWHERE!

          Steve
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        • Profile picture of the author HeySal
          Originally Posted by MikeTucker View Post

          One of the more interesting parts of the new healthcare law
          that we do have in the US is the new rules for publication
          of pricing... It seems to me that going forward it is going to be
          very difficult, if not impossible, to maintain such ridiculous
          markups?





          I agree a lot with this, making it a mandatory non-profit would
          fix a lot of social issues.

          And giving some individuals governmental power of life-and-death
          is obviously a mistake.


          But my concern is that right now medical science is growing at
          massive rates and some truly wonderful things are being discovered.
          Every day I am fascinated by the massive strides that are being taken.

          If we take the money away, won't we lose a large number of the
          most talented, driven people who are driving these discoveries?
          Not when you consider that it's the pharms that get most of the private sector money for research. Universities already get funding from grants already in allotment under the general heading of "research" from our general tax funds. We don't actually need to put more money into it. It's only advertised because the non-profits that want "funded" stay afloat by taking x amount of donations from what they put to research. A lot of their research duplicates grant funded research at the university level.
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      • Originally Posted by HeySal View Post

        We're never going to see true reform until they topple the medical industrial complex instead of fabricating all these damned "plans" to pay for it. Look at the markup we pay on drugs -- 1000 - 2000% markups on the prices of drugs.

        The only way to fix our system is to make it manditorily a non-profit sector. As long as we have medicine for profit, we're going to have unaffordable prices, with hospital, insurance, and drug mogals getting filthy rich from keeping us sick and drugged. Giving the system to the gov, does absolutely not one thing to fix it - if just gives gov more power to decide who survives and who doesn't and more power to bleed us of anything we might accidentally have left from the financial and job crises.
        Hang on - I'm fine with forcing the system to become non-profit (in principle, anyhow), but who's going to enforce this, if not the government?

        :confused::confused:
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        • Profile picture of the author seasoned
          Originally Posted by Hopeless Bromantic View Post

          Hang on - I'm fine with forcing the system to become non-profit (in principle, anyhow), but who's going to enforce this, if not the government?

          :confused::confused:
          Actually, in the US, there is an insurance commissioner in each state that sets the parameters. That is yet ANOTHER reason why things are expensive and complicated. You can ONLY do business with insurance companies admitted into your state! This limits competition and comparisons!

          ALSO, STATES set parameters! I once met an old coworker on a plane, and we spoke. She was going to set up a tiny shop in New York. WHY a tiny shop for such a large insurer in an expensive state? Because THEIR commissioner dictated that you couldn't do business in the state unless you had an office there. IMAGINE! The rent ALONE could have been hundreds of thousands of dollars a year! This also drives costs up and sets a different scope.

          Steve
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    • Profile picture of the author MikeTucker
      Originally Posted by seasoned View Post

      BASICALLY, they want it to APPEAR free, so the government pays for it from "the treasury". But people WATCH that stuff to a degree, and the government would COLLAPSE. Look at the downgrades and THREATS we got, if you don't believe me. You can ALSO look to the countries elsewhere that are failing!
      They don't seem to be "failing" because of it to me, although
      perhaps the case could be made that some of them are struggling
      more than they would otherwise?



      Originally Posted by ThomM View Post

      In a nutshell the government takes total control of the healthcare system. Because, you know, they're so good at running programs:rolleyes:
      It's easy to see the things that government organizations screw-up,
      but most government agencies do quite well on every level, in
      my humble opinion... They could certainly do much better in most things,
      but then I'm not the one running a massive service business on a
      miserable little budget, either!

      I'm sure they would screw-up some stuff in healthcare, but any
      company that has 330+ million people would probably screw-up
      sometimes, too!?


      Originally Posted by Hopeless Bromantic View Post

      The U.S. is pretty much the only industrialized country in the world that doesn't have a health care system based on the single-payer model.
      So I've been told, but is that really an argument in favor of it,
      or against it?
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      • Profile picture of the author HeySal
        Originally Posted by MikeTucker View Post

        They don't seem to be "failing" because of it to me, although
        perhaps the case could be made that some of them are struggling
        more than they would otherwise?





        It's easy to see the things that government organizations screw-up,
        but most government agencies do quite well on every level, in
        my humble opinion... They could certainly do much better in most things,
        but then I'm not the one running a massive service business on a
        miserable little budget, either!

        I'm sure they would screw-up some stuff in healthcare, but any
        company that has 330+ million people would probably screw-up
        sometimes, too!?




        So I've been told, but is that really an argument in favor of it,
        or against it?
        No. It's not. I've heard people from both Canada and the UK completely freaked out because they can't get the help they need. Some Canadians have actually come to the US for treatment when they can't get appointments in a timeframe to do them any good. That will probably be changing soon, but it's not a very good advertisement for the gov control of medicine. Wish we could go back to how it was when I was a kid. Affordable, house calls, doctors who remembered you without having to look at charts.............. sigh. The good old days.
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        • Profile picture of the author MikeTucker
          Originally Posted by HeySal View Post

          No. It's not. I've heard people from both Canada and the UK completely freaked out because they can't get the help they need. Some Canadians have actually come to the US for treatment when they can't get appointments in a timeframe to do them any good. That will probably be changing soon, but it's not a very good advertisement for the gov control of medicine. Wish we could go back to how it was when I was a kid. Affordable, house calls, doctors who remembered you without having to look at charts.............. sigh. The good old days.
          Yep, I've spoken to a few as well. They say the treatment is
          fantastic and the financial aspect is excellent for individuals,
          but the wait can be horrible and even deadly in some cases.

          On the other hand, it does force people to think more about their
          health and plan better, which would go a long way toward getting
          people to live a healthier lifestyle, wouldn't it?




          Edit:
          To everyone with input, I'm out of "Thanks" at the moment but
          know that I am grateful!
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          • Profile picture of the author seasoned
            Originally Posted by MikeTucker View Post

            Yep, I've spoken to a few as well. They say the treatment is
            fantastic and the financial aspect is excellent for individuals,
            but the wait can be horrible and even deadly in some cases.
            Well, my father and uncle had the same kind of problem. My father is in the US(happened around 1995). My uncle was in denmark(maybe 2000). My father ended up getting checked out and taken care of THAT DAY!!!!!!! My uncle was sent home to wait to see if they would take care of him. They eventually did, but he could have died!

            Steve
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          • Profile picture of the author MikeAmbrosio
            Originally Posted by MikeTucker View Post

            One of the more interesting parts of the new healthcare law
            that we do have in the US is the new rules for publication
            of pricing... It seems to me that going forward it is going to be
            very difficult, if not impossible, to maintain such ridiculous
            markups?

            You would think. All it does is make the companies conspire together. Here's an example:

            Years ago I went to marriage counseling (first wife). We really could not afford the payments because insurance only covered 50%. Our therapist said it wasn't a problem because they all double the fee when they turn it in to insurance companies so their 50% payout is 100% of their fees. I appreciated the free ride, but it drives up prices in the long run.


            Originally Posted by MikeTucker View Post

            On the other hand, it does force people to think more about their
            health and plan better, which would go a long way toward getting
            people to live a healthier lifestyle, wouldn't it?
            Personally I think if people in this country were more concerned about their health it would improve our health care system overall. I find it funny too, that we all complain abut paying a $30 co-pay, or paying 20% of a bill. In fact, people sometimes get irate. But then they go out and drop $1400 on a new flat screen TV without batting an eyelash. People avoid doctor visits for the stupidest reasons until their health is out of control and more expensive.

            To say our values are skewed in this country would be an understatement. We're as complicate in the health care mess as the government, insurance companies, pharma's, etc. We're the enablers.

            Of course, I am generalizing. We're not ALL like this. But it's more common than not - just look at the percentage of overweight people (with illnesses directly attributed to weight issues) we have in this country.
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          • Profile picture of the author ThomM
            Originally Posted by MikeTucker View Post

            Yep, I've spoken to a few as well. They say the treatment is
            fantastic and the financial aspect is excellent for individuals,
            but the wait can be horrible and even deadly in some cases.

            On the other hand, it does force people to think more about their
            health and plan better, which would go a long way toward getting
            people to live a healthier lifestyle, wouldn't it?





            Edit:
            To everyone with input, I'm out of "Thanks" at the moment but
            know that I am grateful!
            That's part of a reason why we would have a problem with any kind of so called healthcare program we have or will have here.
            Look at what we eat here and what we are told is safe or dangerous to eat and in Europe.
            Here raw milk is called dangerous, there it's sold in vending machines.
            Here we rely on large corporate farms using massive amounts of chemicals to feed us, there it's smaller more organic farms.
            Here rBGH is injected into dairy cows to make them produce more milk (and cause us all sorts of health problems), there (and in most of the rest of the world) it's banned.
            In other words they have what I call real healthcare there, we have sick care here.
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            • Profile picture of the author MikeTucker
              Originally Posted by Ken_Caudill View Post

              Of course, the other problem with single payer is that everybody winds up minding everybody's business.


              Oh look, there's a self-righteous health nut getting his teeth kicked in. Think of all the money that is costing me.
              LOL!!
              Yeah, we already have a bit of that though, don't we?
              I for one think of that already... Unhealthy people are less
              productive and are generally a drain on the society.

              I don't see how that would make me "mind" anyone's business
              any more than my silent judgments already do?



              Originally Posted by ThomM View Post

              That's part of a reason why we would have a problem with any kind of so called healthcare program we have or will have here.
              Look at what we eat here and what we are told is safe or dangerous to eat and in Europe.
              Here raw milk is called dangerous, there it's sold in vending machines.
              Here we rely on large corporate farms using massive amounts of chemicals to feed us, there it's smaller more organic farms.
              Here rBGH is injected into dairy cows to make them produce more milk (and cause us all sorts of health problems), there (and in most of the rest of the world) it's banned.
              In other words they have what I call real healthcare there, we have sick care here.
              Yeah, really the recent changes in healthcare and the
              single-payer system seem to be more about how things are
              paid for, and have less to do with actual improvements to
              actual healthcare.

              I'm not sure about raw milk, I don't know enough about it.
              But the chemicals in virtually everything these days, I have
              serious problems with that as well... I think we've had a
              discussion about the FDA. (Was that in the WF or somewhere else?)
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              • Profile picture of the author ThomM
                Originally Posted by MikeTucker View Post

                LOL!!
                Yeah, we already have a bit of that though, don't we?
                I for one think of that already... Unhealthy people are less
                productive and are generally a drain on the society.

                I don't see how that would make me "mind" anyone's business
                any more than my silent judgments already do?





                Yeah, really the recent changes in healthcare and the
                single-payer system seem to be more about how things are
                paid for, and have less to do with actual improvements to
                actual healthcare.

                I'm not sure about raw milk, I don't know enough about it.
                But the chemicals in virtually everything these days, I have
                serious problems with that as well... I think we've had a
                discussion about the FDA. (Was that in the WF or somewhere else?)
                I'm not a fan of the FDA at all.
                Here's a little info on raw milk.Key Documents | A Campaign for Real MilkA Campaign for Real Milk
                I grew up around dairy farms and drank raw milk from birth till I was around 14 or so.
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              • Profile picture of the author TimPhelan
                Originally Posted by MikeTucker View Post

                Yeah, really the recent changes in healthcare and the
                single-payer system seem to be more about how things are
                paid for, and have less to do with actual improvements to
                actual healthcare.
                Well, the ACA will get more people covered and has already shown results in that regard. Unfortunately the ACA won't cover everyone. That's what a single payer will do. When people can go to a doctor before, during and after an illness they will more often than not be healthier, so that is a big improvement.

                One reason some don't like the idea of a single payer system is because they feel many won't pay into the system. I haven't seen anyone here mention that yet but I'm sure there are a few who feel that way. And it's understandable. However, a system can be set up where 99.99% of the population will have contributed to some extent. Even homeless people can contribute to a single payer system. This can be done by having more than one way of financing single payer and having one of them be a national sales tax. Every time that homeless guy gets money from turning in aluminum cans and goes buy a sandwich and a six pack they could be contributing to a single payer system. I know there are other countries doing this now.
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                • Profile picture of the author seasoned
                  Originally Posted by TimPhelan View Post

                  Well, the ACA will get more people covered and has already shown results in that regard. Unfortunately the ACA won't cover everyone. That's what a single payer will do. When people can go to a doctor before, during and after an illness they will more often than not be healthier, so that is a big improvement.
                  We DON'T know what the "real" figures are. According to the admin, THEY don't! And they are being falsified by tiering, carveouts, and delays! HECK, I don't know if I can be covered in august. So how could YOU know if **I** don't, and my INSURANCE COMPANY doesn't?

                  Don't go saying that more are being covered when we don't know how many of them were dropped, and how many are planned to be dropped in the next2-3(SO FAR) years!

                  HECK, I figured the first pass would happen LATE 2013. By THAT measure(****I**** would have been grouped with those in the first pass. It was to happen LATE 2013. NOW, it looks like it may end as late as 2017! As I said, I STILL don't know if THAT was to affect me.

                  The SECOND was to happen around 2019 That was based on 2014+5, but is it now maybe 2022. The THIRD was to happen around 2024, but maybe it is now 2027.

                  BTW in case you guys are curious, my prediction about this before it was even passed was that if it were passed it would be an UTTER FAILURE, fail by 2024, if it goes that long, and use a clause that nobody has really mentioned yet, and throw everyone into medicare. THAT is, and WAS, the plan, and is the single payer option they claim they never passed.

                  ICSM but....

                  One reason some don't like the idea of a single payer system is because they feel many won't pay into the system.
                  I dislike it because the government will steal from it like they have other things, and they did THIS! Don't forget the 750Billion the stole from MA!

                  FRANKLY, I don't care if anyone pays a penny! I NEVER DID! I just don't like being bullied, saying I am not paying my fair share, and seeing what I pay thrown down a toilet to fund someones laziness, etc...

                  And if you want to put everyone on an insurance plan, GREAT! Just don't STEAL money and upset the balance so many depend on. As many know here, I nearly died, the operation cost hundreds of thousands of dollars. I lost like 2 months of billable time and was a veritable INVALID for 2-3 WEEKS.

                  This can be done by having more than one way of financing single payer and having one of them be a national sales tax. Every time that homeless guy gets money from turning in aluminum cans and goes buy a sandwich and a six pack they could be contributing to a single payer system. I know there are other countries doing this now.
                  NO IT CAN'T! You are talking about taking that much MORE from EVERYONE so someone can have a talking point to say "WELL THEY PAID TOO!"! NO, they really didn't. You might as well have them give you the first penny they find on the ground. And you consider healthcare more important than shelter? They have known for millenia that a lack of shelter can affect health, and they found that a lack of shelter affects healthcare!

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                • Profile picture of the author MikeTucker
                  Originally Posted by bizgrower View Post

                  I've also heard about
                  Grandma's and Grandpa's who start going to see a doctor for every little ache
                  and pain

                  Dan
                  Hmm, I didn't think of that one at all. Great point.

                  Still, I wonder if there couldn't be some kind of way to streamline
                  the entire process? Seriously, with the LHC, a rover on Mars,
                  and Voyager 1 leaving the solar system, we are mapping
                  genomes and bringing dead organisms back to life... Surely someone
                  could engineer a better way of dealing with sick people, no matter
                  how sick they are (or are not!)?




                  Originally Posted by TimPhelan View Post

                  One reason some don't like the idea of a single payer system is because they feel many won't pay into the system. ... Even homeless people can contribute to a single payer system....
                  Really, I'm torn on this, and I'm aware that it is my strong emotions
                  on both sides of the matter that are confusing me.

                  On the one hand, I absolutely believe it is the responsibility of every
                  strong, successful American to reach down and help those people around
                  them who are suffering and are in need of help. Without question,
                  no excuses.

                  On the other hand, I don't know that any homeless person is ever
                  going to contribute any significant amount to the system, whereas
                  they could be a significant drain? I also understand the rage against
                  the growth and abuse of the social "safety net" programs that are
                  already in place.

                  It makes my head spin!
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      • Profile picture of the author seasoned
        Originally Posted by MikeTucker View Post

        They don't seem to be "failing" because of it to me, although
        perhaps the case could be made that some of them are struggling
        more than they would otherwise?
        OK, OK! Some have merely almost collapsed, and were bailed out, or went to war, or saw their whole society collapse, or all of the above. It was because of ALL such expenditures, not just HC. HC, in the US, as *******MANY******* have said costs FAR more in the US! You can trace much of that to the government and drugs, so don't blame insurance. And you CAN'T have a SURPLUS in insurance assets because there may be the next person that could cost MILLIONS! They CLEANED OUT my mothers assets, used up all medicare, AND used all medicaid. Had she not died, I don't know WHAT would have happened.

        It's easy to see the things that government organizations screw-up,
        but most government agencies do quite well on every level, in
        my humble opinion... They could certainly do much better in most things,
        but then I'm not the one running a massive service business on a
        miserable little budget, either!
        I believe they paid over a BILLION for the HC.G site, and it STILL isn't working. They had over 5 YEARS to work on it. That they didn't know, or even CLAIM to not have known, that it was NOWHERE NEAR finished is SO inept it is INCREDIBLE! REMEMBER! I do this kind of stuff for a living and have seen my share of flops!

        I'm sure they would screw-up some stuff in healthcare, but any
        company that has 330+ million people would probably screw-up
        sometimes, too!?
        AGAIN, a CHUNK of it should have been done at the IRS, and leverage what they have, and kill three birds with one stone, but they DIDN'T!

        So I've been told, but is that really an argument in favor of it,
        or against it?
        Considering that all the variables in the US are fully different, I believe it should be IGNORED for the non sequitor it is.

        Steve
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  • Profile picture of the author Claude Whitacre
    Originally Posted by MikeTucker View Post

    I've heard this "Single-Payer System" talked about as both the Holy Grail of Healthcare,
    and as another crackpot theory that wouldn't work in reality?

    But I actually know very little about it outside of Wikipedia?
    Mike; Did you really think you were going to get a real answer without a ton of political bias scooped on top?

    This Forum isn't the place to get that answer. Sorry.

    To be fair. I have an idea of what it is. But every single person I talk to describes it as either the best system available, or the end of civilization.

    And that feedback is (so far) based on political bias, not real information.

    You asked if it was a crackpot theory. No. Every other civilized country has a similar system. Does that make it the best idea? That's an opinion, and you came for facts. Again, not the place for facts.
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  • Profile picture of the author HeySal
    Originally Posted by Ken_Caudill View Post

    It is government-rationed health care. I've given up hope for a market solution. Too many people think that corporatism is the same as free markets. They've been trained to do so and lack the critical faculties to learn anything else.

    So get ready for bureaucrats to determine who gets to see a doctor and who doesn't.
    I really really wish my thanks button was working.

    That's where I fall out with it. If it were still just doctor/patient decisions, I wouldn't feel so bad about it - but having the IRS deciding whether they will allow the cost of treatment........even after paying the insurance bill...is nothing but a very fascist crock of crap. I read this bill and I don't like the first thing about it. Not one thing.

    You give me a one party payment system, where I can go discuss my case privately with the doctor of my choice and determine between the two of us my course of action against an illness, with a bill going to the relevant party who would have no "yay" or "nay" say in what the doctor has ordered - and no right to sell or give that info to anyone else without my express written permission, and I might change my tune.
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    • Profile picture of the author MikeTucker
      Originally Posted by Claude Whitacre View Post

      Mike; Did you really think you were going to get a real answer without a ton of political bias scooped on top?

      This Forum isn't the place to get that answer. Sorry.
      ...Again, not the place for facts.
      Remember that seen when Odysseus is speaking with Athena
      in the boat on the way to Troy?



      Originally Posted by seasoned View Post

      OK, WHEN will they put that in HC.G?
      Human chorionic gonadotropin???


      Originally Posted by seasoned View Post

      You mean like "kathleen sebelius", or the 15 on that panel?
      I was thinking more broadly and long-term, but sure.




      Originally Posted by Joe Mobley View Post

      I will see where this thread goes. I am not encouraged so far.

      Joe Mobley
      But, but... I started the thread because you said to. :p

      Seriously though, understood.




      Originally Posted by Ken_Caudill View Post

      It is government-rationed health care. I've given up hope for a market solution. Too many people think that corporatism is the same as free markets. They've been trained to do so and lack the critical faculties to learn anything else.

      So get ready for bureaucrats to determine who gets to see a doctor and who doesn't.
      I'll bet that nail has a headache.



      Originally Posted by HeySal View Post

      Not when you consider that it's the pharms that get most of the private sector money for research.
      That's actually exactly what I meant. Pharms have the financial
      incentive and hiring power to utilize the brightest, most experienced
      minds on the cutting edge of medical science.

      Take away the money, have it all rationed by pencil-pushers,
      and wouldn't it come to a grinding halt?



      Originally Posted by HeySal View Post

      You give me a one party payment system, where I can go discuss my case privately with the doctor of my choice and determine between the two of us my course of action against an illness, with a bill going to the relevant party who would have no "yay" or "nay" say in what the doctor has ordered - and no right to sell or give that info to anyone else without my express written permission, and I might change my tune.
      Yeah, I'm thinking that would be my biggest problem with it, too.
      But is that just a fear? Couldn't there be a set-up where that is
      exactly what happens?
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  • Profile picture of the author Joe Mobley
    Instead of picking apart the individual aspects of this problem, my view is from a slightly different angle. Remember, I am a simple man.

    No matter your political stripes, most people in the US would agree that the current health-care system is broken. And... that it has grown increasingly worse over the last couple of decades.

    My view is that you don't fix a broken system by handing it over to the federal government!

    When you think about it, there are government controlled health care systems already in place. Think, the US Military. How is the US doing managing these programs? Not so well in my opinion.

    Probably the most obvious institution that has been taken over by the federal government is the Department of Education. So... how are the public schools doing in this country?

    Are there HUGE problems in our health care systems, yes! Can the US government fix these problems, not if history is any indication.

    Of course, all of this is my opinion.

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    • Profile picture of the author MikeTucker
      Originally Posted by MikeAmbrosio View Post

      ...I appreciated the free ride, but it drives up prices in the long run...
      Excellent points one and all, but I got stuck on this one.
      I wonder how close it is to the heart of the issue?




      Originally Posted by Joe Mobley View Post


      No matter your political stripes, most people in the US would agree that the current health-care system is broken. And... that it has grown increasingly worse over the last couple of decades.

      My view is that you don't fix a broken system by handing it over to the federal government!
      I see your point. But in the examples you gave, I wonder how much
      of the problems have less to do with the fact that the Feds are screwing
      it up, and more to do with the fact that they allow too much control
      on the local level?

      In both military healthcare and public education, there are some
      outstanding locations that should be set as the standard, and some
      that should have been shut down long ago!

      But we can't judge the entire program by only the bad locations, can we?
      Shouldn't we just raise standards and enforce better?
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      • Profile picture of the author seasoned
        Originally Posted by Ken_Caudill View Post

        A single payer system has a finite amount of money budgeted to it. It is inevitable, then, that health care will have to be rationed. There is no doubt of this. Bureaucrats will decide who lives and who dies. You may dress this ugly fact up any way you wish, but it will remain. It will most likely be the elderly who are denied care.
        YEP! Starting with the planned, and started, decline of medicare advantage.

        The reason our health care system is not working is because supply and demand are out of kilter. The AMA is a cartel that limits supply to keep prices high. The FDA and other government regulatory agencies are complicit in this.
        I don't know how you figure. If a person wants to become a doctor, they CAN! The AMA apparently allows this to happen ****FOR FREE****! Of course, the prospect STILL has to take the classes, make arrangements, get a spot, and work for a period for perhaps FREE! ALSO, apparently you have to have SEVERAL licenses to be a doctor! As I recall, most have THREE! There is one to be a doctor(which basically allows you to study, MAYBE do surgery, and simple things. You CAN'T prescribe drugs though!) There is another as I recall. There is another with the DEA which apparently allows you to prescribe drugs.

        AND, from what I understand, there IS a lab part to the test for a license. I guess that is a GOOD thing. We have enough quacks as it is!

        Once the insurance companies have looted the treasury and the American public, we will see a single payer system.
        The FIRST to loot it are the politicians. They started ****YEARS**** ago.

        Steve
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        • Profile picture of the author Kay King
          In order to do it right we should study more than just Canada (though I know Canadian who are very happy with their health care plans - talked to one just a few weeks ago). Germany - Australia and other examples are out there for us to learn from.

          The problem for us is a true single payer system doesn't need insurance companies - doesn't need all the people now paid to process claims and do all the thousands of hours in record keeping and approving/denying treatments.

          One source of revenue I've not seen mentioned is Medicaid....why would we need Medicaid if we have a full system of health care?

          Why not have a single payer system (run by a dedicated agency that is not party appointments and does not change at the whim of an election) combined with mandatory private catastrophic care insurance with income based fees.

          Why not establish clinics throughout the country just like we established post offices throughout the country? They could be a valuable and cost effective part of a single payer system.

          There are ways to do it but it means cutting some businesses with big lobbies in D.C....and I doubt that will ever happen.
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          • Profile picture of the author seasoned
            Originally Posted by Kay King View Post

            In order to do it right we should study more than just Canada (though I know Canadian who are very happy with their health care plans - talked to one just a few weeks ago). Germany - Australia and other examples are out there for us to learn from.
            Well, when I was in buffallo NY, I got a LOT of canadian TV. It IS right at the border. One side literally shares the border with canada. The Canadian Broadcasting Corporation had a program stating how they had problems. For whatever reason, I can't remember her alias here, but Jody spoke about the expense of a treatment that could maybe have helped her. It helped a coworker of mine but IS expensive.

            The problem for us is a true single payer system doesn't need insurance companies - doesn't need all the people now paid to process claims and do all the thousands of hours in record keeping and approving/denying treatments.
            Record keeping can be done via computer, as can much of the filtering. There ARE distinct standards. That is how MEDICARE is done, and how doctors communicate! You REALLY don't think medicaid, the veterans administration, UHC, etc... don't use the same codes? We may ALL be familiar with the DSM codes. The other codes look the same and are similar and I bet defined as well. I bet a doctor in kiev, india, germany,china, etc... could get the gist of a diagnosis JUST from the cods used! Certain treaments WILL be approved and denied on a case by case basis. Did you all REALLY so quickly forget about the 10yo girl that nearly died because of the rules?

            One source of revenue I've not seen mentioned is Medicaid....why would we need Medicaid if we have a full system of health care?
            Ever hear of medicare? Medicare is a federal system setup to do what the ACA claims IT is setup to do. So ask your question in THAT context. Medicaid is state run, AND for medicare. Weren't the seniors told they could keep it? OH WELL, WE were told WE could stay insured OUR way, and THAT is not true!

            BTW he DID often say "PERIOD". The end of a statement is NEVER declared in that way unless it is for emphasis. That emphasis can be translated as "THAT IS THE TRUTH, no more or less, and THAT is how it will REMAIN!"! There isn't any fudging outsid of that context.

            Why not have a single payer system (run by a dedicated agency that is not party appointments and does not change at the whim of an election) combined with mandatory private catastrophic care insurance with income based fees.
            Because it will NOT be "bipartisan", WILL change at the whim of elections, and the other stuff could damage the economy and is unfair.

            Why not establish clinics throughout the country just like we established post offices throughout the country? They could be a valuable and cost effective part of a single payer system.
            Becaus it would be the ULTIMATE WASTE! Why spend so many BILLIONS of dollars to build what we already have?

            There are ways to do it but it means cutting some businesses with big lobbies in D.C....and I doubt that will ever happen.
            Yeah, it means things like getting government out of our business, as REQUIRED by several laws, including HIPPA and even the 1st, 4th, and 5th amendments, for starters. It means things like mandating reasonable reasons for treatments. It means things like ENFORCING fraud laws. How about a national database to fnd doctors, along with networks tey are associated with? OK, OK, I don't know WHO can do this since it would b almost as "hard" as th HC.G website. I guess the government is OUT! How about getting all biased individuals out of such offices and taking a cue from some engineering firms. How about a 2 year TOTAL NDA! That a person can't disclose, talk about, or even WORK WITH, anything on the periphery of what they did before! So a person can't go from the FED to a brokerage, or from the FDA to a pharmaceutical firm! And OBVIOUSLY, lobbyists would be out.

            ALSO, in here, I have spoken about codes. Displacement of a disc, for example can be 722.2. This means WITHOUT mylopathy. WITH it may have a higher price. Doctors know this and SOME even have businesses showing other doctors how changing a little code could make them much more money. Medicare doesn't generally consider this a concern and often hasn't tried to check.

            Even COMPUTERS could be used to check. If they somehow get patients to validate they have been treated for a time on a day, and cross reference treatments and history, they COULD catch most fraud, and highlight possible fraud. For the fraud the computer catches, they could automatically send the doctor a summons, like they do regular people for so many things, saying "This doesn't make sense! EXPLAIN, PAY, or we are going to court!". Highlighted fraud could be treated like an audit, they do so often.

            Steve
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            • Profile picture of the author Paul Myers
              Mike,

              This isn't just an emotionally charged issue, it's been so polluted with propaganda that most people don't even care if what they're saying is true.

              Honestly, the majority of people who engage in this discussion don't give a damn if people die by the thousands unnecessarily, as long as their side "wins." And that includes people on both sides of the political divide in this country.

              It's the penultimate example of the evils of polarization of public policy debate.

              I don't hold out much hope for this discussion lasting long, especially looking at some of the early comments. I would very much like to be wrong on that.


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              • Profile picture of the author Joe Mobley
                @Paul

                I had a little bit higher hopes for this discussion. Totally understand if you need to close it up.

                Joe
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              • Profile picture of the author Dan Riffle
                Originally Posted by Paul Myers View Post

                Mike,

                It's the penultimate example of the evils of polarization of public policy debate.
                Paul, I don't want to stray off task here, but you've piqued my interest. What do you consider the ultimate example? Climate change, abortion...?

                I have no ulterior motive here. The exclusion just has me curious. Feel free to PM if you want.
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              • Profile picture of the author MikeTucker
                Originally Posted by Paul Myers View Post

                Mike,

                This isn't just an emotionally charged issue, it's been so polluted with propaganda that most people don't even care if what they're saying is true.

                Honestly, the majority of people who engage in this discussion don't give a damn if people die by the thousands unnecessarily, as long as their side "wins." And that includes people on both sides of the political divide in this country.

                It's the penultimate example of the evils of polarization of public policy debate.

                I don't hold out much hope for this discussion lasting long, especially looking at some of the early comments. I would very much like to be wrong on that.


                Paul

                I was slapped in the face with this reality a while back and it
                changed my outlook on everything quite a bit.

                Because I actually do care, and I was letting my
                competitiveness get in the way of actual discussions
                and problem-solving. I'm changing that, slowly but
                surely. (And I'll go back to working on "brevity"
                again when I feel like I've made progress here!)

                So I didn't mean for this to be another borderline
                thread, but I really wanted to learn-- Not only what
                it is, but also how people react to it and why. So for
                me the entire conversation has been very helpful and
                worth every second of it.

                Anyway, I'm going to continue the conversation here
                and hope that everyone remembers I'm not targeting
                a specific person or idea, and my questions are not
                sarcasm but actual questions.
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    • Profile picture of the author Joe Mobley
      Originally Posted by Joe Mobley View Post

      No matter your political stripes, most people in the US would agree that the current health-care system is broken. And... that it has grown increasingly worse over the last couple of decades.

      My view is that you don't fix a broken system by handing it over to the federal government!
      Originally Posted by Joe Mobley View Post

      Probably the most obvious institution that has been taken over by the federal government is the Department of Education. So... how are the public schools doing in this country?
      http://www.warriorforum.com/off-topi...g-science.html

      I just thought I'd throw that out there.

      Originally Posted by Joe Mobley View Post

      Are there HUGE problems in our health care systems, yes! Can the US government fix these problems, not if current events are any indication.

      Of course, all of this is my opinion.

      Joe Mobley
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  • Profile picture of the author Paul Myers
    Joe,

    Not yet. At the very least, it's showing people that there are valid concerns on both sides of the debate. And it could still be the kind of useful discussion that you'd like to see.


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  • Profile picture of the author Paul Myers
    Dan...

    War. It is almost always the result of polarized ideological decision-making.

    Same sort as has colored the health care reform debate, and with the same utter lack of concern for the consequences.


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    • Profile picture of the author Dan Riffle
      Originally Posted by Paul Myers View Post

      Dan...

      War. It is almost always the result of polarized ideological decision-making.

      Same sort as has colored the health care reform debate, and with the same utter lack of concern for the consequences.


      Paul
      Ah, war. Duh. My Mountain Dew apparently hasn't hit my brain yet.

      <"Witty" retort from Claude in 3...2...1...>
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  • Profile picture of the author Paul Myers
    I think I'm going to invite Martin Avis to this discussion. If you get his newsletter, you know he's had recent experience with the system in the UK.

    Don't anyone be surprised if he chooses not to get into one of our little imbroglios, though.
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  • Profile picture of the author evilclown
    The healthcare system in America is broken because its a free market that many wants a piece of the pie. Who is the one that wants more of this pie? The federal government. Is not really about the people, is about the politicians pensions.

    Only if we begin with term limits to avoid having career politicians to continue sucking the peoples life's.

    This topic can't be discussed without bringing in the political point of view. Is a complex topic. I grew up on social/liberal household, on my adult life I experimented with a capital/conservative environment to only understand many things, it changed the way I see life, and how I enjoy life.
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    • Profile picture of the author seasoned
      Originally Posted by evilclown View Post

      The healthcare system in America is broken because its a free market that many wants a piece of the pie. Who is the one that wants more of this pie? The federal government. Is not really about the people, is about the politicians pensions.

      Only if we begin with term limits to avoid having career politicians to continue sucking the peoples life's.
      Yeah, if I were king one thing I would demand is that nobody benefit from public office, and that all going into public office would have to have done substantial work, like 15 years, in the private sector, NON union/NON SALES/NON Executive/NON Legal, at a wage that is at least double the minimum wage, and not indexed to it, filed taxes, and did their own AP with a decent record.

      That would REALLY change things. MOST of the politicians we have now wouldn't qualify! We would have FAR fewer lawyers and heirs in government. But people would KNOW about how money is paid for work, and how taxes affect you, and how you have to scrimp and save, and how you have to save for retirement, and how so many things are intertwined, etc... UNIONS isolate you from a lot of that. SALES has a lot of scamming and is often on commission. Executives may not have the bet motives, etc.... And LEGAL, well, same sort of thing. OH, and minimum wage is unskilled and often gets COLA, so exclude THAT also. The jobs indexed to the minimum wage, that are private, are often unskilled jobs as well.

      SO, if you are a UNION LAWYER that runs his own company, GREAT! As long as you worked 15 years with those restrictions, COME ON IN!

      It is sick that we have people going straight into politics that seem to know NOTHING about everyday life! One person recently said she has not driven a car for over 20 YEARS, because she has a chauffeur! ANOTHER was shocked(RECENTLY) at how far we have come with credit cards and buying food. SERIOUSLY, these people are isolated at SUCH a level that I thought it was only in the movies!

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  • Profile picture of the author Paul Myers
    This topic can't be discussed without bringing in the political point of view.
    Depends on how you define "political." If you stick to the actual issue, it's easy to discuss it without bringing political parties into it.

    In fact, I have become quite convinced that the only way it will ever be addressed in a meaningful fashion is if the people become educated on the topic and come to a consensus. Then tell the politicians, "This is what we want. Deliver it or we'll elect someone who will."


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    • Profile picture of the author Claude Whitacre
      Originally Posted by Paul Myers View Post

      Depends on how you define "political." If you stick to the actual issue, it's easy to discuss it without bringing political parties into it.

      In fact, I have become quite convinced that the only way it will ever be addressed in a meaningful fashion is if the people become educated on the topic and come to a consensus. Then tell the politicians, "This is what we want. Deliver it or we'll elect someone who will."


      Paul
      Paul; I'm convinced that you are right. And I'm equally convinced that it won't happen.
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  • Profile picture of the author garyv
    Most people here that know me, know that I'm a conservative. However I will not tow the party line if it means that policy will purposely hurt people. That being said, I hope that dialog here - including my own remains civil. I would say that I hope it remains non-polarizing, but there are some great fundamental differences in how people think healthcare should be distributed.

    Personally I'm a huge believer in "pure" capitalism. What we've seen so far as far as healthcare and insurance companies go has not been "pure" capitalism. There have been laws in place preventing true capitalistic competition among insurance companies in particular.

    If Doctors, Hospitals, and Insurance companies all had to operate under the same regulations as other consumer goods providers, the competition would bring the costs way down. There would be healthcare for everyone. It may not all be the same, but demand would be met with some form of provision. So just like not everyone can afford a Cadillac, just about everyone can afford a Kia.

    I've never known any government agency that runs with any amount of efficiency. It's beyond the grasps of my comprehension how replacing the middle man with the government is going to make the process cheaper. If someone could explain that part of it, I'd have an open mind and hear it out. But lack of efficiency in government agencies is still paid for by you, the tax payer.

    When people say something is paid for by the government - that's just another way of saying it's paid for by you. - A much less efficient "you".
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    • Profile picture of the author TLTheLiberator
      Originally Posted by garyv View Post

      Most people here that know me, know that I'm a conservative. However I will not tow the party line if it means that policy will purposely hurt people. That being said, I hope that dialog here - including my own remains civil. I would say that I hope it remains non-polarizing, but there are some great fundamental differences in how people think healthcare should be distributed.

      Personally I'm a huge believer in "pure" capitalism. What we've seen so far as far as healthcare and insurance companies go has not been "pure" capitalism. There have been laws in place preventing true capitalistic competition among insurance companies in particular.

      If Doctors, Hospitals, and Insurance companies all had to operate under the same regulations as other consumer goods providers, the competition would bring the costs way down. There would be healthcare for everyone. It may not all be the same, but demand would be met with some form of provision. So just like not everyone can afford a Cadillac, just about everyone can afford a Kia.

      I've never known any government agency that runs with any amount of efficiency. It's beyond the grasps of my comprehension how replacing the middle man with the government is going to make the process cheaper. If someone could explain that part of it, I'd have an open mind and hear it out. But lack of efficiency in government agencies is still paid for by you, the tax payer.

      When people say something is paid for by the government - that's just another way of saying it's paid for by you. - A much less efficient "you".

      You said...

      What we've seen so far as far as healthcare and insurance companies go has not been "pure" capitalism.

      There have been laws in place preventing true capitalistic competition among insurance companies in particular.

      I say...

      help me understand exactly what you're talking about here. I've heard a few people say something of the same.

      Explain "pure capitalism" in the context of the health industry and how it would serve the needs of the American public.

      Thanks!
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      • Profile picture of the author garyv
        Originally Posted by TLTheLiberator View Post


        Explain "pure capitalism" in the context of the health industry and how it would serve the needs of the American public.

        Thanks!
        Capitalism is a social system based on the principle of individual rights. Politically, it is the system of laissez-faire (freedom). Legally it is a system of objective laws (rule of law as opposed to rule of man). Economically, when such freedom is applied to the sphere of production its result is the free-market.

        Right now there is not a free-market, because insurers are allowed to sell policies only in states where they are licensed to do business. So the market is dominated in many states by just a handful of companies - thus allowing these companies to escape a real capitalistic environment where they'd have to compete for business.

        True competition, brought on by real capitalism, forces businesses to provide their product as efficiently as possible. It also breeds innovation. You can kiss any advancements in medicine good bye once it's all controlled by a single entity. Money has always been a huge motivating factor. Whether you'd like to admit it or not - most advances in medicine today are brought on by the push of a capitalistic company reaching for a payday.
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        • Profile picture of the author TLTheLiberator
          Originally Posted by garyv View Post

          Capitalism is a social system based on the principle of individual rights. Politically, it is the system of laissez-faire (freedom). Legally it is a system of objective laws (rule of law as opposed to rule of man). Economically, when such freedom is applied to the sphere of production its result is the free-market.

          Right now there is not a free-market, because insurers are allowed to sell policies only in states where they are licensed to do business.

          So the market is dominated in many states by just a handful of companies - thus allowing these companies to escape a real capitalistic environment where they'd have to compete for business.

          True competition, brought on by real capitalism, forces businesses to provide their product as efficiently as possible. It also breeds innovation. You can kiss any advancements in medicine good bye once it's all controlled by a single entity. Money has always been a huge motivating factor.

          Whether you'd like to admit it or not - most advances in medicine today are brought on by the push of a capitalistic company reaching for a payday.
          I don't have a problem with any companies searching for a payday in anyway as long as its legal and ethical.

          Why would I?

          So the only thing you believe would help the HC market out...

          ... was the stuff about insurers being able to sell across state lines right?

          (and that would spark some type of competition frenzy)

          The CBO doesn't have a lot of nice things to say about that policy but you're entitled.

          Ezra Klein - Selling insurance across state lines: A terrible, no good, very bad health-care idea


          The Truth About Selling Health Insurance Across State Lines:

          http://www.ajc.com/weblogs/jay-bookm...s-state-lines/

          But Forbes thinks it could work.

          http://www.forbes.com/sites/theapoth...-reduce-costs/
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          • Profile picture of the author garyv
            Originally Posted by TLTheLiberator View Post


            So the only thing you believe would help the HC market out...

            ... was the stuff about insurers being able to sell across state lines right?
            No - I believe insurers should be able to sell across state lines - "in a pure capitalistic environment". And not burdened by regulations preventing them from providing affordable packages for those with lesser funds.

            Right now the "if you like your doctor you can keep your doctor" portion of the current system, is being derailed by regulation preventing insurers from providing cheaper packages.

            To me the fundamentals of true democracy are played out in capitalism. If people don't like a product or company, they regulate it using their purchasing power. It's not regulated by a single ideology - but by supply and demand. You cast your vote by purchasing or not purchasing - it doesn't get much more democratic than that.
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            • Profile picture of the author Kay King
              I believe insurers should be able to sell across state lines
              But they aren't allowed to even though we KNOW it would reduce costs. They ARE regulated to death with more and more regulations being produced every week.

              Seems to me in this country today - we aren't "free enough" to run a truly efficient capitalistic health care system....and we aren't (yet) "repressed enough" to run a govt controlled system.

              It is getting harder for even the strongest supporters of the ACA to argue that it's "working well". Implementation is now being delayed for years for some categories - and a lot of people will fall through the cracks during that time.

              Cadillac vs Kia works for cars - and for homes -and for the choice of hamburger or filet mignon. It doesn't work for health care because it means the rich get more and the poor get less. In health care that isn't luxury but a difference in quality and quantity of life.

              I think a single payer system could be designed to work for the US. So many countries already have nationalized health care and years of results - why can't we learn lessons about what does and does not work for them?

              It doesn't have to be FREE health care. It doesn't need subsidies and IRS control - it needs people who contribute what they can afford, employers who pay into the system instead of into health care insurance packages, Medicaid funds diverted to public health care (eliminating all of the agencies/forms/conditions/waste/fraud of that system). What if you crawled way outside the box and included all people of all ages into the health care system - and the medicare money, too. (People would still pay into that kind of medicare system - and that would balance the additional resources used by an older population).

              It's doable - but I doubt we can do it. It requires climbing out of partisan boxes and that just doesn't happen these days.

              The overriding factor in a single payer doesn't need to be "everything for free" - but a system of health care that is accessible and affordable to everyone. You can't have that when doctors and hospitals opt out of the health care system as they are today.
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              • Profile picture of the author garyv
                Originally Posted by Kay King View Post




                Cadillac vs Kia works for cars - and for homes -and for the choice of hamburger or filet mignon. It doesn't work for health care because it means the rich get more and the poor get less. In health care that isn't luxury but a difference in quality and quantity of life.
                But isn't that true for everything? - You need food to survive - but if you're rich, you can afford to eat the good stuff. Capitalism is a great motivator in every venue. Why should I settle for the same mediocre healthcare that everyone else is getting, if I can afford more? Should we all be forced to eat at McDonalds? - I'm sure that those who couldn't afford to eat would be happy to eat at McDonalds - but don't make all of us eat there. Let us choose w/ our own money.

                A single payer system forces everyone into a mediocre system.
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                • Originally Posted by garyv View Post

                  But isn't that true for everything? - You need food to survive - but if you're rich, you can afford to eat the good stuff. Capitalism is a great motivator in every venue. Why should I settle for the same mediocre healthcare that everyone else is getting, if I can afford more? Should we all be forced to eat at McDonalds? - I'm sure that those who couldn't afford to eat would be happy to eat at McDonalds - but don't make all of us eat there. Let us choose w/ our own money.

                  A single payer system forces everyone into a mediocre system.
                  Not correct at all. Single payer systems coexist with private care all the time.

                  To use your example, you can eat at McDonalds for free whenever you like, but if you want a steak, you can always pay for it elsewhere.
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                  • Profile picture of the author garyv
                    Originally Posted by Hopeless Bromantic View Post

                    Not correct at all. Single payer systems coexist with private care all the time.

                    To use your example, you can eat at McDonalds for free whenever you like, but if you want a steak, you can always pay for it elsewhere.
                    Yes but single payer makes me leave my money at McDonalds for other people, and then still use my own money if I want a Steak.

                    You know that you're still paying the tax even when you go elsewhere right? I think we forget that free doesn't really mean free when it's paid for with taxes.
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                    • Profile picture of the author bizgrower
                      Originally Posted by garyv View Post

                      Yes but single payer makes me leave my money at McDonalds for other people, and then still use my own money if I want a Steak.

                      You know that you're still paying the tax even when you go elsewhere right? I think we forget that free doesn't really mean free when it's paid for with taxes.
                      In some ways we are already paying for indigent care via city or state subsidized
                      hospitals. Denver General Hospital here in Colorado does a lot of indigent care.
                      I don't know if they receive funds from other cities or the state, but from Denver
                      taxpayers I'm fairly sure.
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                      • Profile picture of the author garyv
                        Originally Posted by bizgrower View Post

                        In some ways we are already paying for indigent care via city or state subsidized
                        hospitals. Denver General Hospital here in Colorado does a lot of indigent care.
                        I don't know if they receive funds from other cities or the state, but from Denver
                        taxpayers I'm fairly sure.

                        Exactly - but that is regulated by the hospital, and not the government. You could still have hospitals caring for the poor, and receiving tax credits for doing so, in a capitalistic system.

                        Which is another baffling thing to me. There was hardly a place in this Country where a person could go and not find and receive healthcare, even if you didn't have insurance. You may not have received the healthcare you wanted. But like you said - there are many hospitals like Denver General that do a lot of indigent care.

                        I do believe we'll get to a single payer system eventually - but only out of necessity, because we've severely broken a system that only needed some tweaking.
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                        • Profile picture of the author Kay King
                          The Government spends less per capita on health care then the USA does. We never see a bill for procedures covered per the Canada health act. No one here has to go without treatment or mortgage their house to get it either. The poorest people get equal treatment to the more affluent.
                          I can't even imagine how simple that would be and the stress that would not exist.

                          I think the cost factor is something many people don't properly evaluate. Yes, you might have more tax due to a public health system - but I think that is offset here by the cost of insurance - of co-pays. Not to mention the frustration of making sure YOUR doctor is covered (including the anesthesiologist) - that your prescribed med is covered and all the paperwork and phone time necessary to accomplish anything today in medical care.

                          What we are doing now is not sustainable. From medicare to medicaid to the ACA - the practice of reducing costs is too often meaning reducing payments to doctors and hospitals...and many of them are opting out.

                          Several countries on the list below have more accessible and more affordable (public systems) health care - but look at the costs paid and the percent of GDP...not a good trend.

                          List of countries by total health expenditure (PPP) per capita - Wikipedia, the free encyclopedia
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                • Profile picture of the author Kay King
                  In most countries with govt run health care there are also options for those who can afford more expensive options. There's nothing wrong with that.

                  What's wrong is having a lack of options or available care for those at the lower end of the scale. In a case of catastrophic illness, all but the rich are at the lower end of the scale.

                  Last year I watched a friend struggle to work her job in order to keep the job and her health insurance while she was being treated for stage 4 cancer. Several times I helped her walk off the gaming floor so she wouldn't collapse where everyone could see. I don't know how she managed to show up for work day after day but she did.

                  Theoretically, if she were let go for excessive absences she could keep her insurance through COBRA - but the cost for her would have been over $1000 a month. She didn't have it. What she had was a 12 yr old daughter. She was fighting to live with everything she had and had she lost the job she would have lost her cancer treatments as well.

                  We talk theories and options - but what Nikki went through is real life. The stress of stage 4 cancer combined with fears of losing medical care or leaving your family destitute is more than any person should have to bear. She lost her battle but she put up a hell of a fight.

                  Yes but single payer makes me leave my money at McDonalds for other people, and then still use my own money if I want a Steak.
                  We all do it at times - but aren't you arguing to defend a position rather than considering unique or new options that might lead to a better position?
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                  • Profile picture of the author seasoned
                    Originally Posted by Kay King View Post

                    In most countries with govt run health care there are also options for those who can afford more expensive options. There's nothing wrong with that.
                    There is if it is far inferior insurance than you can currently get for less.

                    What's wrong is having a lack of options or available care for those at the lower end of the scale. In a case of catastrophic illness, all but the rich are at the lower end of the scale.

                    Last year I watched a friend struggle to work her job in order to keep the job and her health insurance while she was being treated for stage 4 cancer. Several times I helped her walk off the gaming floor so she wouldn't collapse where everyone could see. I don't know how she managed to show up for work day after day but she did.

                    Theoretically, if she were let go for excessive absences she could keep her insurance through COBRA - but the cost for her would have been over $1000 a month. She didn't have it. What she had was a 12 yr old daughter. She was fighting to live with everything she had and had she lost the job she would have lost her cancer treatments as well.

                    We talk theories and options - but what Nikki went through is real life. The stress of stage 4 cancer combined with fears of losing medical care or leaving your family destitute is more than any person should have to bear. She lost her battle but she put up a hell of a fight.



                    We all do it at times - but aren't you arguing to defend a position rather than considering unique or new options that might lead to a better position?
                    Show me a competent organization that can run it without gutting the economy, and THEN let's talk!

                    Steve
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                  • Profile picture of the author MikeTucker
                    Originally Posted by Kay King View Post

                    Theoretically, if she were let go for excessive absences she could keep her insurance through COBRA - but the cost for her would have been over $1000 a month. She didn't have it. What she had was a 12 yr old daughter. She was fighting to live with everything she had and had she lost the job she would have lost her cancer treatments as well.
                    WHAT!!? That's insane!! I had no idea that COBRA was
                    so horrendously high? Isn't that the exact opposite of what
                    it was intended to do?
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        • Profile picture of the author MikeTucker
          Originally Posted by Kay King View Post

          Why not establish clinics throughout the country just like we established post offices throughout the country? They could be a valuable and cost effective part of a single payer system.
          The post office is one of the things I always think of whenever
          people complain about how terrible the government is.

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      • Profile picture of the author seasoned
        Originally Posted by TLTheLiberator View Post

        You said...

        What we've seen so far as far as healthcare and insurance companies go has not been "pure" capitalism.

        There have been laws in place preventing true capitalistic competition among insurance companies in particular.

        I say...

        help me understand exactly what you're talking about here. I've heard a few people say something of the same.

        Explain "pure capitalism" in the context of the health industry and how it would serve the needs of the American public.

        Thanks!
        PURE capitalism means, for the seller, IDENTIFY things UP FRONT, and give a price for them. HASN'T BEEN DONE YET from what I have seen. OH, insurance companies tell you HOW they pay, but WHAT depends on the "caregiver".

        For the GOVERNMENT, it means to let all competent companies share in the market on an equal footing. AGAIN, HASN'T BEEN DONE!

        IMAGINE being able to take your insurance with you to another state! The costs can be lower for all because there are fewer regulations. If you have a non emergency need, you can go to the hospital with the BEST tradeoff of competency to cost. And some of the more expensive providers may be some of the LEAST competent! You have MORE choice, a way to choose, and can better plan.

        The WORST providers would have to IMPROVE to survive. Providers could no longer charge anything they wanted. Customers would GO IN having an idea of the costs.

        Steve
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        • Profile picture of the author claytopgard
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          • Profile picture of the author seasoned
            Originally Posted by claytopgard View Post

            Single payer - or whatever best solution we create - could provide good to excellent care for all. The wealthier could still have options to pay for their own preferences - say extended hospital stay, for example. Insurance companies could offer policies/riders that cover more care...
            ACA seeks to GET RID OF ****ALL**** "non compliant" plans. I went on a NON ACA ste to get a quote, asked for ALL plans, and only saw "compliant" ones. AND, DON'T FORGET!!!!!!!! THAT is why those millions were dropped. NOT because they had "shitty plans", but because they were "non compliant"! And apparently it is against the law in Canada to run a private(cash/credit) clinic. One doctor is suing.

            Steve
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    • Profile picture of the author seasoned
      I wish there were a thanks button that meant "YOU ARE RIGHT ON, and I agree on every point!"


      Originally Posted by garyv View Post

      Most people here that know me, know that I'm a conservative. However I will not tow the party line if it means that policy will purposely hurt people. That being said, I hope that dialog here - including my own remains civil. I would say that I hope it remains non-polarizing, but there are some great fundamental differences in how people think healthcare should be distributed.
      Yeah, it is a shame that such a simple thing has become so complicated.

      Personally I'm a huge believer in "pure" capitalism. What we've seen so far as far as healthcare and insurance companies go has not been "pure" capitalism. There have been laws in place preventing true capitalistic competition among insurance companies in particular.
      If someone created a standardized list, and a standardized way of paying, they could create a kind of label that WOULD be hard to read but a person with certain fears could type those in and GREATLY narrow choices. I hate it when I buy one thing and find I could maybe have paid less for something I wanted but am left missing things because the money went to things I would rather not have.

      Anyway, this list and search, combined with admitting any decent insurer to ALL 50 states would go a LONG way to allowing capitalism to work well on all engines. These types of things have been suggested enough, even by representatives, but NEVER TRIED!

      HEY, look at amazon! I bet most people go there because it is relatively easy to search, compare, and get reviews.

      If Doctors, Hospitals, and Insurance companies all had to operate under the same regulations as other consumer goods providers, the competition would bring the costs way down. There would be healthcare for everyone. It may not all be the same, but demand would be met with some form of provision. So just like not everyone can afford a Cadillac, just about everyone can afford a Kia.
      HECK, I try to find out the price for a STANDARD treatment and they do a "pel...". You have to BUY before you know how much you will pay. That is just IDIOTIC! Granted there are unknowns in medicine, like whether this test would even help, but that is a GIVEN. The price for say a mid abdominal CT scan should NOT be an unknown. HECK, at LEAST ball park it!

      I've never known any government agency that runs with any amount of efficiency. It's beyond the grasps of my comprehension how replacing the middle man with the government is going to make the process cheaper. If someone could explain that part of it, I'd have an open mind and hear it out. But lack of efficiency in government agencies is still paid for by you, the tax payer.
      The BMV in indiana seems to be OK, at least where I live. The DMV in van nuys ca, at least from the late 1970s to the late 1990s(I haven't kept track after that) is LEGENDARY! You have to GUESS at the lines. GOOD LUCK! If you are in the wrong line, you have to start over. And the people are slow and rude! I guess they get cussed out a lot because it is NOW AGAINST THE LAW! You can get CITED for it!

      DMV becomes even more of a nightmare

      They seem to have gotten a LOT better. Maybe they just interviewed the wrong people. BTW A bit of a sobering response. In that article, the suggest going on line. When I went there, there was NO WWW! There was NO real access to the internet. That was OK because NOBODY had a website, and FEW had an email address! At the BMV here I literally walked in with my old license, and NO appointment, and walked out with my new license well within an hour.

      And I LOVE it when you see like 5+ people just shooting the breeze, and they won't even answer a simple question, let alone help anyone.

      When people say something is paid for by the government - that's just another way of saying it's paid for by you. - A much less efficient "you".
      Yeah, they found that private charities give more of what they get than the US government does.

      Steve
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  • Profile picture of the author bizgrower
    I used to administer civil and labor disputes resolved through arbitration or mediation.

    A common tactic from that arena would have to be applied here.
    True consensus building.

    Identify the issues that everyone agrees upon and then work towards
    what seem to be the best solutions. Examine what works and what does not.
    (Of course there is always unintended consequences.)

    I think everyone would agree that how to fund and what care is covered
    (hospitals already use medical ethics panels) are probably the largest issues.

    Some countries fund it with a 1.5% tax that everyone except the poorest pays.
    Care in some countries (UK) is delivered by government owned hospitals and such.
    Others do a mix of private (contract to the government) and government owned.

    I've heard that people in Canada have to wait for care. I've also heard about
    Grandma's and Grandpa's who start going to see a doctor for every little ache
    and pain (I think also Canada, but I'm not sure.)

    Of course, I can't do a full proposal here (and I don't know enough), but I think
    true consensus building - with mediator type(s) - is the start (including exploring
    more free market solutions). I also see a mix of private and public sector in the
    solution. Private/philanthropic funding still being allowed....

    Dan
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    • Profile picture of the author seasoned
      Originally Posted by bizgrower View Post

      Some countries fund it with a 1.5% tax that everyone except the poorest pays.
      Care in some countries (UK) is delivered by government owned hospitals and such.
      Others do a mix of private (contract to the government) and government owned.
      If the AVERAGE person in the US, IF they could trust the government, AND get the right care, AND could get it quickly enough, 1.5% would be considered CHEAP! HEY, I can tell you that is how I feel! This year, there has been a lie in the media that you will pay like $100 as a PENALTY if you DON'T get it! That is true ONLY of those making less than about $10000 So what happens if you make more? The cost goes up to 1% of your income.

      OK, OK, the following article says that it is ACTUALLY either $95 for adults and $47.50 per child or 1 percent of their gross adjusted income, whichever is greater, but you get my point.

      Obamacare enrollment push glosses over next year's fines, some say | NJ.com

      1% ****THIS YEAR**** with NO insurance!

      Here is the cost, of the penalty, with NO insurance!

      2014 = $95 per person per year or 1% of your Income
      2015 = $325 per person per year or 2% of your Income
      2016 = $695 per person per year or 2.5% of your Income
      2017 = Tax Penalty will increase by the rate of inflation going forward, or 2.5% of your Income(If we have hyperinflation, WATCH OUT!)

      • If you're uninsured for just part of the year, 1/12 of the yearly penalty applies to each month you're uninsured.

      • The penalty is based on modified adjusted gross income and is paid on your federal income taxes.

      • The total penalty for the taxable year cannot exceed the national average of the annual premiums of a bronze-level health insurance plan offered through the health insurance marketplaces.

      I've heard that people in Canada have to wait for care. I've also heard about
      Grandma's and Grandpa's who start going to see a doctor for every little ache
      and pain (I think also Canada, but I'm not sure.)
      Yeah, I could imagine that.

      Steve
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    • Profile picture of the author pcalvert
      Hi Dan,
      Originally Posted by bizgrower View Post

      I've heard that people in Canada have to wait for care. I've also heard about
      Grandma's and Grandpa's who start going to see a doctor for every little ache
      and pain (I think also Canada, but I'm not sure.)
      Yes, and not only in Canada. I recall reading about someone in the UK whose cousin died while waiting for an operation.

      These videos were posted by a fellow in Australia:
      The truth about Public Healthcare - Topher VBlog 002 - YouTube
      Public healthcare follow up - Topher Vblog 003 - YouTube

      Phil
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  • Profile picture of the author Tim_Carter
    Well let me give you a Canadian perspective. First of all, in Canada health care is a service, not a for profit business. The Government spends less per capita on health care then the USA does. We never see a bill for procedures covered per the Canada health act. No one here has to go without treatment or mortgage their house to get it either. The poorest people get equal treatment to the more affluent.

    As for waiting times, not true in any major or life saving procedures. I have had two kidney transplants. First one I got before I even went on dialysis. Unfortunately it failed immediately. I got the next one six months later and it is still going 15 years anfd 10 days later. Total cost to me - $0.00.

    My wife went in to the emergency in the small town we lived in. She had appendicitis. An ambulance came and took her to the hospital in Lethbridge. Surgical team was waiting for her at the ambulance bay. Operated on immediately.

    Total cost to us - $0.00

    No, the system is not perfect, but I am very grateful to have this coverage. I probably wouldn't even get insurance in the USA.
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    • Profile picture of the author TLTheLiberator
      Originally Posted by Tim_Carter View Post

      Well let me give you a Canadian perspective. First of all, in Canada health care is a service, not a for profit business. The Government spends less per capita on health care then the USA does. We never see a bill for procedures covered per the Canada health act. No one here has to go without treatment or mortgage their house to get it either. The poorest people get equal treatment to the more affluent.

      As for waiting times, not true in any major or life saving procedures. I have had two kidney transplants. First one I got before I even went on dialysis. Unfortunately it failed immediately. I got the next one six months later and it is still going 15 years anfd 10 days later. Total cost to me - $0.00.

      My wife went in to the emergency in the small town we lived in. She had appendicitis. An ambulance came and took her to the hospital in Lethbridge. Surgical team was waiting for her at the ambulance bay. Operated on immediately.

      Total cost to us - $0.00

      No, the system is not perfect, but I am very grateful to have this coverage. I probably wouldn't even get insurance in the USA.
      Great but what's the tax to Canadians for your health system?
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    • Profile picture of the author seasoned
      Originally Posted by Tim_Carter View Post

      Well let me give you a Canadian perspective. First of all, in Canada health care is a service, not a for profit business. The Government spends less per capita on health care then the USA does. We never see a bill for procedures covered per the Canada health act. No one here has to go without treatment or mortgage their house to get it either. The poorest people get equal treatment to the more affluent.

      As for waiting times, not true in any major or life saving procedures. I have had two kidney transplants. First one I got before I even went on dialysis. Unfortunately it failed immediately. I got the next one six months later and it is still going 15 years anfd 10 days later. Total cost to me - $0.00.

      My wife went in to the emergency in the small town we lived in. She had appendicitis. An ambulance came and took her to the hospital in Lethbridge. Surgical team was waiting for her at the ambulance bay. Operated on immediately.

      Total cost to us - $0.00

      No, the system is not perfect, but I am very grateful to have this coverage. I probably wouldn't even get insurance in the USA.
      I don't recall if I named the procedure my dad, in america, got like same day and my uncle, in denmark, got much later. BOTH were heart bypasses!

      Kidney transplants and the like are different. They usually have a VERY short life. If you were the first match that they could get in in time, you would get it then and there. I'm sure that is true of ANY civilized society. The 10yo I spoke of earlier was a special case since they said anyone below the age of 12 had to get an organ from a doner below the age of 12.

      Ironically, if you needed a heart bypass, maybe your experience would be different.

      Steve
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      • Profile picture of the author Tim_Carter
        Originally Posted by seasoned View Post

        I don't recall if I named the procedure my dad, in america, got like same day and my uncle, in denmark, got much later. BOTH were heart bypasses!

        Kidney transplants and the like are different. They usually have a VERY short life. If you were the first match that they could get in in time, you would get it then and there. I'm sure that is true of ANY civilized society. The 10yo I spoke of earlier was a special case since they said anyone below the age of 12 had to get an organ from a doner below the age of 12.

        Ironically, if you needed a heart bypass, maybe your experience would be different.

        Steve
        Each case is different, and each province is run by it's own government. I can only cite my own, and my families experiences, which have all been good. I have had diabetes since I was three and have had multiple operations including treatment for heart issues.and spent lots of time in hospital when I was younger. It all went just fine. My mother just had a knee replacement. She waited 8 weeks. You can't say that because one person had a bad experience everyone does.

        So again, this is my experience living within this system my whole life. It has been a positive one. Nothing is perfect, but I dare say that this system is better than one where a for profit insurance company decides who gets covered for what.
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        • Profile picture of the author MikeAmbrosio
          Originally Posted by Tim_Carter View Post

          Each case is different, and each province is run by it's own government. I can only cite my own, and my families experiences, which have all been good. I have had diabetes since I was three and have had multiple operations including treatment for heart issues.and spent lots of time in hospital when I was younger. It all went just fine. My mother just had a knee replacement. She waited 8 weeks. You can't say that because one person had a bad experience everyone does.

          So again, this is my experience living within this system my whole life. It has been a positive one. Nothing is perfect, but I dare say that this system is better than one where a for profit insurance company decides who gets covered for what.
          As messed up as our health care system apparently is - so we're told daily - I'll relate a few of mine.

          My mother had a stroke which put her in a 2 week coma in the ICU. After the stroke, she went through intensive rehab. After that, she was put in to an assisted living home. Later, she was diagnosed with lung cancer, broke her hip and had it operated on (steel rod inserted) and then a heart attack. She didn't pay a single penny for any of it. Well, actually, while in the assisted living center, they basically kept her social security money except $100 per month. Otherwise, not one red cent. When she died, she was even buried at no cost to our family.

          My niece was diagnosed with colon cancer at 17. Nine months of treatments, surgeries, and more treatments. She lived at the hospital her last 2 months in a private room with round the clock care. My sister and her husband had pretty good insurance. They paid some co-pays. Maybe a total of $10 grand, which they were allowed to pay off. No second mortgage of the house needed.

          My father was diagnosed with cancer on the tongue and neck. Intensive radiation treatment (8 weeks, 5 days per week) and some chemo. So far all they've paid was a handful of $25 co-pays for some doctor visits. They have not received a single bill for the radiation and chemo treatments.

          I've spent the last year wrestling with a back issue - visits to my regular doctor, a brain and spine specialist, a pain management specialist, MRIs, X-Rays and even 8 weeks of physical therapy. Happily, my back is 99% better. My biggest out of pocket expense was for the pain management outpatient surgery - $427.00 (and a few $25 co-pays). I also was having mysterious heart arrhythmia, so include visits to a cardio doctor, stress echo test, halter study for 24 hours...

          I'm not rich. I'm not a government employee (I am self-employed).

          I get there are a lot of people out there in need of health care. I am curious though how my mother was able to get everything she needed (she was poor, no insurance, no life savings and too proud to let us help her. She refused to live with any of us after her stroke). Why do so many other poor people get left behind while she didn't?

          At any rate, from where I sit, we have fabulous health care here. Perfect? No. Needs fixing? Yes. Needs to be totally wiped out and replaced by the government? No from where I sit.
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          • Profile picture of the author Tim_Carter
            Glad it all worked out. But how many people can't afford the hendful of $25 payments and the $427 etc, etc? Lots of people and that stops them from getting treated. Not an issue in our system. The quality of care is on par.

            And you don't wipe everything out and hand it to the government. Healthcare is run by doctors who make medical decisions (not insurance companies). The governments only role is to pay the costs instead of insurance and the patient. I think this is where people don't get it.

            Originally Posted by MikeAmbrosio View Post

            As messed up as our health care system apparently is - so we're told daily - I'll relate a few of mine.

            My mother had a stroke which put her in a 2 week coma in the ICU. After the stroke, she went through intensive rehab. After that, she was put in to an assisted living home. Later, she was diagnosed with lung cancer, broke her hip and had it operated on (steel rod inserted) and then a heart attack. She didn't pay a single penny for any of it. Well, actually, while in the assisted living center, they basically kept her social security money except $100 per month. Otherwise, not one red cent. When she died, she was even buried at no cost to our family.

            My niece was diagnosed with colon cancer at 17. Nine months of treatments, surgeries, and more treatments. She lived at the hospital her last 2 months in a private room with round the clock care. My sister and her husband had pretty good insurance. They paid some co-pays. Maybe a total of $10 grand, which they were allowed to pay off. No second mortgage of the house needed.

            My father was diagnosed with cancer on the tongue and neck. Intensive radiation treatment (8 weeks, 5 days per week) and some chemo. So far all they've paid was a handful of $25 co-pays for some doctor visits. They have not received a single bill for the radiation and chemo treatments.

            I've spent the last year wrestling with a back issue - visits to my regular doctor, a brain and spine specialist, a pain management specialist, MRIs, X-Rays and even 8 weeks of physical therapy. Happily, my back is 99% better. My biggest out of pocket expense was for the pain management outpatient surgery - $427.00 (and a few $25 co-pays). I also was having mysterious heart arrhythmia, so include visits to a cardio doctor, stress echo test, halter study for 24 hours...

            I'm not rich. I'm not a government employee (I am self-employed).

            I get there are a lot of people out there in need of health care. I am curious though how my mother was able to get everything she needed (she was poor, no insurance, no life savings and too proud to let us help her. She refused to live with any of us after her stroke). Why do so many other poor people get left behind while she didn't?

            At any rate, from where I sit, we have fabulous health care here. Perfect? No. Needs fixing? Yes. Needs to be totally wiped out and replaced by the government? No from where I sit.
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            • Profile picture of the author Kay King
              Healthcare is run by doctors who make medical decisions (not insurance companies). The governments only role is to pay the costs instead of insurance and the patient. I think this is where people don't get it.
              I agree - in our new plan here - it's not doctors making the ACA decisions.

              I've had 2 co-workers who had knee replacement surgery. One waited almost two years (in quite a bit of pain) because she had to save up the amount she had to cover over the insurance payments. She had to pay her share up front before the surgery was done.


              About COBRA -

              My opinion is it's one of those program pols love to "tout" because they've never had to deal with it.

              I've had two times in the past few years when I could have been on Cobra. I had the same job I was going to be absent from - two different circumstances.

              One time the COBRA quote was $847 a month - but 3 years later (after Katrina) the COBRA quote was $519 a month....both were just to cover me. No medical issues, no meds being taken. Made no sense at all. That was a few years ago - I doubt it's any cheaper now.

              The idea that someone losing their middle income job could afford to keep insurance through COBRA is almost laughable.
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              • Profile picture of the author seasoned
                Originally Posted by Kay King View Post

                I agree - in our new plan here - it's not doctors making the ACA decisions.
                It isn't with medicare or medicaid, and won't be with ACA either. That desire assumes doctors are all good and decent. In ACA there is a panel to determine a lot of this stuff. As for insurance? It is STILL "insurance", only paid to another. Insurance is SUPPOSED to be a GAMBLE! The reaon why people bought it in the first place is because if they got severely injured and the cure used up even every penny they paid in premiums, they would still get treatment. THAT is why they so ofte say they need to have healthy young kids sign up. The healthy young kids pay for the SAME reason, but are far less likely to need care, so the insurance companies can maybe make enough on THEM that they can pay for the others.

                Even when obama first presented this plan, in 2008, he spoke of changing treatment and what they pay for. It was the ONLY thing he ever mentioned to LEGITIMATELY "bend the cost curve". Those were the words obama used. I WOULD provide links, but you can use google. "bend the cost curve health care" brings up 129000 links.

                About COBRA -

                My opinion is it's one of those program pols love to "tout" because they've never had to deal with it.

                I've had two times in the past few years when I could have been on Cobra. I had the same job I was going to be absent from - two different circumstances.

                One time the COBRA quote was $847 a month - but 3 years later (after Katrina) the COBRA quote was $519 a month....both were just to cover me. No medical issues, no meds being taken. Made no sense at all. That was a few years ago - I doubt it's any cheaper now.

                The idea that someone losing their middle income job could afford to keep insurance through COBRA is almost laughable.
                They may have changed laws after katrina or something. At least the cost went DOWN. I don't know about now, but when I first learned about cobra's failings, they said it was for a limited time at a high price. The idea was to keep your status, and treatment, until you could get a better plan. It wasn't to keep your insurance. This makes it MORE laughable though, because you had to pay from SAVINGS.

                But if you had a pre-existing condition, and didn't get new insurance within 90 days, you could lose your status, and it wouldn't be covered. If you had say cancer treatment, and didn't get new insurance before quiting, you could be on the hook for treatment. THAT was why people took cobra.

                Steve
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            • Profile picture of the author MikeAmbrosio
              Originally Posted by Tim_Carter View Post

              Glad it all worked out. But how many people can't afford the hendful of $25 payments and the $427 etc, etc? Lots of people and that stops them from getting treated. Not an issue in our system. The quality of care is on par.

              And you don't wipe everything out and hand it to the government. Healthcare is run by doctors who make medical decisions (not insurance companies). The governments only role is to pay the costs instead of insurance and the patient. I think this is where people don't get it.
              The point here was that people don't always need to "take a second mortgage" to get good health care (me, my sister) and also those who can't afford it CAN get good health care (my mother). I KNOW not everyone can afford $25 co pays. But we still have ways for them to get help (like my mother did).

              And in this country, we have a government that likes to meddle in our lives because they "know better" than we do. In our country, doctors don't run health care. The insurance companies and the government does - and the government, if they take it over completely, will most likely make a bigger mess of things. One only has to look at their track record...
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              • Profile picture of the author TimPhelan
                Originally Posted by MikeAmbrosio View Post

                The point here was that people don't always need to "take a second mortgage" to get good health care (me, my sister) and also those who can't afford it CAN get good health care (my mother).
                Mike, I'm sorry to hear about your mom and niece passing. At least their sicknesses didn't cause any huge financial hardships also. In regards to your mom you said that SS paid for a good part of some of the costs. I was wondering how the rest of her costs were covered if she didn't have insurance? Or did she?
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                • Profile picture of the author MikeAmbrosio
                  Originally Posted by TimPhelan View Post

                  Mike, I'm sorry to hear about your mom and niece passing. At least their sicknesses didn't cause any huge financial hardships also. In regards to your mom you said that SS paid for a good part of some of the costs. I was wondering how the rest of her costs were covered if she didn't have insurance? Or did she?
                  Frankly Tim, my sisters handled most of this. Some was through the charitable systems in some of our local hospitals, some was state aid, things like that. Probably medicare/medicade as well. She not only did not have insurance, she NEVER had insurance. When we were growing up we had no insurance (my father was self employed, and after he left, my mother took labor jobs like waitressing, office cleaning, etc). We got by because of things like a local dentistry college where we got free dental work from the students, doctors who took payments and usually ended up knocking money off the bill. At that point in time my mother refused to get help from public assistance - it was a pride thing. But she worked hard and we survived.

                  I agree capitalism has created problems in our health care system. But I do not believe ACA is the answer - and apparently neither does the CBO. How can we call it an answer if just as many people will remain uncovered as there are now? Wasn't the big selling point that it would cover MORE people?

                  I am all for some combination of private and government solution - checks and balances. I don't know how - there are people much smarter than me who are supposed to be figuring it out. But instead, it's constantly used as a political football (on both sides).
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        • Profile picture of the author TLTheLiberator
          Originally Posted by Tim_Carter View Post

          Each case is different, and each province is run by it's own government. I can only cite my own, and my families experiences, which have all been good. I have had diabetes since I was three and have had multiple operations including treatment for heart issues.and spent lots of time in hospital when I was younger. It all went just fine. My mother just had a knee replacement. She waited 8 weeks. You can't say that because one person had a bad experience everyone does.




          So again, this is my experience living within this system my whole life. It has been a positive one.

          Nothing is perfect, but I dare say that this system is better than one where a for profit insurance company decides who gets covered for what.
          I find it fascinating that some people would opt for a health care system run by private corporations who's sworn duty is to make as much money as possible verses an entity that does not have to make a profit and only has to break even.

          In America many HC organizations were making a lot of their profit by denying coverage many times when people needed them the most.

          With our new system, the HC organizations must spend at least 80% of premium dollars on actually providing health care or they must rebate the consumer the difference.

          I think the ACA is just step one on the journey to a single payer system for America.
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  • Profile picture of the author bizgrower
    Single payer - or whatever best solution we create - could provide
    good to excellent care for all. The wealthier could still have options
    to pay for their own preferences - say extended hospital stay, for example.
    Insurance companies could offer policies/riders that cover more care...
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    • Profile picture of the author TLTheLiberator
      Originally Posted by bizgrower View Post

      Single payer - or whatever best solution we create - could provide
      good to excellent care for all. The wealthier could still have options
      to pay for their own preferences - say extended hospital stay, for example.
      Insurance companies could offer policies/riders that cover more care...
      I heard that's how they do it in France.
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      • Profile picture of the author bizgrower
        [quote=MikeTucker;9044491]Hmm, I didn't think of that one at all. Great point.

        Still, I wonder if there couldn't be some kind of way to streamline
        the entire process? Seriously, with the LHC, a rover on Mars,
        and Voyager 1 leaving the solar system, we are mapping
        genomes and bringing dead organisms back to life... Surely someone
        could engineer a better way of dealing with sick people, no matter
        how sick they are (or are not!)?
        QUOTE]

        Give the doctor, nurse, or physician assistant discretion in treating - or limiting
        treatment. A good provider should be able to handle most situations with
        intelligence. Example: I heard a doctor on a radio interview say that he
        realizes he can't say no to a patient who comes to him swearing he needs
        some drug that is heavily advertised. If he tells the patient no you don't
        need it, he'd lose the patient altogether. The patient would go to another doc
        who does not know the patient/history as well as he does. So, he'd prescribe
        a very low dose of the advertised med and keep tabs on the patient for what he really needs.


        Originally Posted by TLTheLiberator View Post

        I heard that's how they do it in France.
        We could create a system that incorporates the best practices worldwide.
        ie. this works in Thailand, this works in Canada, this works in UK, this works in
        France...
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  • Profile picture of the author Tim_Carter
    Lol - ridiculous! Doesn't happen at all.

    Originally Posted by Ken_Caudill View Post

    Of course, the other problem with single payer is that everybody winds up minding everybody's business.

    Oh look, that person's overweight. Think of all the money that is costing me.

    Oh look, that person is smoking. Think of all the money that is costing me.

    Oh look, that person isn't exercising. Think of all the money that is costing me.

    Oh look, there's a self-righteous health nut getting his teeth kicked in. Think of all the money that is costing me.
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    • Profile picture of the author garyv
      Originally Posted by Tim_Carter View Post

      Lol - ridiculous! Doesn't happen at all.
      Sarcasm? It's hard to tell on here...


      But it's already happening here. Kids at school are already reduced to eating cardboard and lettuce leaves because the food they were eating is going to cost the healthcare system in the long run. Mayors are capping the size of soft-drinks restaurants can provide, because "fat kids" are going to be a burden on society - especially a "single payer" society. And in some places you can't even legally smoke in your own car. I'm no smoker - but if someone wants to smoke, let them do it. And then let them pay for their own healthcare.
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  • Profile picture of the author MikeTucker
    Originally Posted by garyv View Post

    I've never known any government agency that runs with any amount of efficiency. It's beyond the grasps of my comprehension how replacing the middle man with the government is going to make the process cheaper. If someone could explain that part of it, I'd have an open mind and hear it out. But lack of efficiency in government agencies is still paid for by you, the tax payer.

    When people say something is paid for by the government - that's just another way of saying it's paid for by you. - A much less efficient "you".
    This is absolutely true I think in many ways.
    However, we have to consider scale as well, don't we?
    Aren't most government agencies huge, with overwhelming
    responsibilities and a huge number of employees?

    Name any major corporation, and while they are probably doing
    it better than the government, I guarantee you they have their
    fair share of terrible mistakes and expensive waste.

    It seems to me that the only difference is that most of their
    shareholders take an active role in paying attention to what
    is going on and voting the major decision-makers in-and-out
    of their positions... Something that most taxpayers do not
    participate in?



    Originally Posted by garyv View Post

    Capitalism is a social system based on the principle of individual rights. Politically, it is the system of laissez-faire (freedom). Legally it is a system of objective laws (rule of law as opposed to rule of man). Economically, when such freedom is applied to the sphere of production its result is the free-market.
    Capitalism is the greatest system in the world and I cannot think
    of any other that should replace it. I want to make my feelings
    clear on that.

    However, if it were perfect then we would have never needed
    little things like child labor laws and the Lilly Ledbetter Fair Pay Act,
    would we?

    Most of the time, getting the government the Hell out of the way
    is the best option-- But not always?
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    • Profile picture of the author garyv
      Originally Posted by MikeTucker View Post


      However, if it were perfect then we would have never needed
      little things like child labor laws and the Lilly Ledbetter Fair Pay Act,
      would we?

      Most of the time, getting the government the Hell out of the way
      is the best option-- But not always?
      It's true - there is no perfect system, because there is no perfect person. There will always be the need for at least a little regulation - but less regulation is better when it comes to capitalism.

      And anymore social media takes care of helping capitalists to self regulate. If some company is doing something out of line, there's going to be someone somewhere that's going to see it and spread it like fire on social media. Many companies have been brought to their knees by consumer lead fire-storms on facebook or twitter.
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      • Originally Posted by garyv View Post

        It's true - there is no perfect system, because there is no perfect person. There will always be the need for at least a little regulation - but less regulation is better when it comes to capitalism.

        And anymore social media takes care of helping capitalists to self regulate. If some company is doing something out of line, there's going to be someone somewhere that's going to see it and spread it like fire on social media. Many companies have been brought to their knees by consumer lead fire-storms on facebook or twitter.
        The free market has an extremely serious flaw when it comes to health care.

        Normally, a fair price for something is what the overall market is willing to pay for it. This principle works because nobody is being forced to purchase the product or service being sold. They have a choice between a used Dodge, a Mercedes-Benz, or even riding a bicycle.

        That balance is completely destroyed when the service is something like a cancer treatment, and the alternative is death.
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        • Profile picture of the author seasoned
          Originally Posted by Hopeless Bromantic View Post

          The free market has an extremely serious flaw when it comes to health care.

          Normally, a fair price for something is what the overall market is willing to pay for it. This principle works because nobody is being forced to purchase the product or service being sold. They have a choice between a used Dodge, a Mercedes-Benz, or even riding a bicycle.

          That balance is completely destroyed when the service is something like a cancer treatment, and the alternative is death.
          NOW, we are being forced to pay for nothing. BUT, if things were as I and gary said, prices WOULD fall into line. The way they are NOW, it is basically "YOU CAME HERE. YOU WASTED YOUR TIME! WE WON'T SAY THE PRICE. OBEY US OR GO ELSEWHERE!". Some service men once tried that, and NOW, they HAVE to give an estimate IN WRITING! But they never did it with the hospitals.

          BTW a doctor working on a person is kind of like a car dealer working on an auto body. BOTH may SEEM simple but can be complicated. Let's say you have bumper damage. Pretty typical. Well, there may be pieces on the bumper There is another piece below IT. There may be pieces below that. If the collision was too bad, it could have bent the frame, or even punctured the radiator, etc.... So things aren't necessarily perfect. Pieces may not even exist. Yet a BODYSHOP must give an estimate, and a hospital doesn't.

          HECK, I had a piece, at a hospital, that I was billed $20K for, AFTER THE FACT OF COURSE, and a doctor elsewhere told me THEY charge $8K for it! Would the WHOLE operation have cost less than half?

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        • Profile picture of the author garyv
          Originally Posted by Hopeless Bromantic View Post

          That balance is completely destroyed when the service is something like a cancer treatment, and the alternative is death.
          Death comes much quicker without food, and we've managed that ok.

          Also - the reason more competitive cancer treatments aren't offered is because of over regulation and anti-competitive monopolistic practices. An ease in regulations would bring about surprising treatments for cancer - much better than the poisoning system we're using now I'm sure.
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          • Originally Posted by garyv View Post

            Death comes much quicker without food, and we've managed that ok.
            That example doesn't work; nobody is forced to purchase someone else's food. You can always head for the wild and shoot a deer, catch a fish, or gather berries.

            Also - the reason more competitive cancer treatments aren't offered is because of over regulation and anti-competitive monopolistic practices. An ease in regulations would bring about surprising treatments for cancer - much better than the poisoning system we're using now I'm sure.
            That's not the reason: the reason is that cancer treatments aren't a commodity. There aren't enough patients to justify an economy of scale.

            Oh, by the way... without regulation there would be MORE anti-competitive, monopolistic practices. Not fewer. Regulations are needed to maintain a level playing field in the free market.
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            • Profile picture of the author garyv
              Originally Posted by Hopeless Bromantic View Post

              That example doesn't work; nobody is forced to purchase someone else's food. You can always head for the wild and shoot a deer, catch a fish, or gather berries.
              No one is forced to use one cancer treatment either. There are many other treatments than the chemical and radiation therapy you're subjected to in this country.


              Originally Posted by Hopeless Bromantic View Post

              That's not the reason: the reason is that cancer treatments aren't a commodity. There aren't enough patients to justify an economy of scale.
              You're kidding right?:confused: Just about everyone alive knows someone that has battled cancer.



              Originally Posted by Hopeless Bromantic View Post

              Oh, by the way... without regulation there would be MORE anti-competitive, monopolistic practices. Not fewer. Regulations are needed to maintain a level playing field in the free market.
              Proper limited regulation is fine, and even acceptable in capitalism. The problem comes with over regulation. Limiting an individuals purchasing power to a single state is not maintaining a "level" playing field - it's preventing a free market, which is the basis of capitalism.
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              • Originally Posted by garyv View Post

                No one is forced to use one cancer treatment either. There are many other treatments than the chemical and radiation therapy you're subjected to in this country.
                I'd beg to differ, depending on what kind of cancer someone has. There are many scenarios where there's only one treatment available, and the patient will die without it.

                You're kidding right?:confused: Just about everyone alive knows someone that has battled cancer.
                Same issue, basically. There are nearly as many forms of cancer as there are patients, and the result is a huge assortment of drugs that do radically different things (sometimes even to the same patient.)

                Bottom line, it doesn't compare with buying apples from Farmer Jones or Farmer Smith.

                Proper limited regulation is fine, and even acceptable in capitalism. The problem comes with over regulation. Limiting an individuals purchasing power to a single state is not maintaining a "level" playing field - it's preventing a free market, which is the basis of capitalism.
                I'll be the first to say that there are plenty of regulations in every area of commerce and industry that are useless and even corrupt. However, to conclude from this that less regulation is always better amounts to throwing out the baby with the bath water.
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            • Profile picture of the author ThomM
              Originally Posted by Hopeless Bromantic View Post

              That example doesn't work; nobody is forced to purchase someone else's food. You can always head for the wild and shoot a deer, catch a fish, or gather berries.
              That's ridiculous.
              Originally Posted by Hopeless Bromantic View Post

              That's not the reason: the reason is that cancer treatments aren't a commodity. There aren't enough patients to justify an economy of scale.
              https://us.movember.com/mens-health 1 in 2 to men and 1 in 3 woman will be diagnosed with cancer in their lifetime, seems like enough patients to me.
              Originally Posted by Hopeless Bromantic View Post

              Oh, by the way... without regulation there would be MORE anti-competitive, monopolistic practices. Not fewer. Regulations are needed to maintain a level playing field in the free market.
              You've got that a little backwards. The over abundance of regulations are a cause of anti-competitive monopolistic practices. They increase the cost of doing business, limiting the competition.
              Gary isn't saying we should get rid of ALL regulations, like you think. We need less regulations though.
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              • Originally Posted by ThomM View Post

                Originally Posted by Hopeless Bromantic View Post

                That example doesn't work; nobody is forced to purchase someone else's food. You can always head for the wild and shoot a deer, catch a fish, or gather berries.
                That's ridiculous.
                You haven't been paying attention.

                A free market succeeds with food because no supplier can claim: "You must buy this product or you will definitely die a horrible, untimely death. It won't save your life to buy from anyone else."

                The example above is just to show that there are alternatives (even if some of them aren't very practical).
                Originally Posted by ThomM View Post

                https://us.movember.com/mens-health 1 in 2 to men and 1 in 3 woman will be diagnosed with cancer in their lifetime, seems like enough patients to me.
                Sure, if every one of those patients had the same kind of cancer and all responded exactly the same way to a single treatment.

                Originally Posted by ThomM View Post

                You've got that a little backwards. The over abundance of regulations are a cause of anti-competitive monopolistic practices. They increase the cost of doing business, limiting the competition.
                Gary isn't saying we should get rid of ALL regulations, like you think. We need less regulations though.
                A higher cost of doing business doesn't have anything to do with stifling competition. Plenty of industries with very high barriers to entry are also highly competitive - and other niche industries with minimal barriers to entry can have very little competition (usually because the market isn't big enough to support it).

                More to the point - do we really need fewer regulations, or do we just need better ones?
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                • Profile picture of the author TLTheLiberator
                  Originally Posted by Hopeless Bromantic View Post

                  You haven't been paying attention.

                  A free market succeeds with food because no supplier can claim: "You must buy this product or you will definitely die a horrible, untimely death. It won't save your life to buy from anyone else."

                  The example above is just to show that there are alternatives (even if some of them aren't very practical).

                  Sure, if every one of those patients had the same kind of cancer and all responded exactly the same way to a single treatment.


                  A higher cost of doing business doesn't have anything to do with stifling competition. Plenty of industries with very high barriers to entry are also highly competitive - and other niche industries with minimal barriers to entry can have very little competition (usually because the market isn't big enough to support it).

                  More to the point - do we really need fewer regulations, or do we just need better ones?

                  Some folks in here want to go on and on about some mythical regulations that were stifling the HC market from a competition frenzy.

                  Their main idea which is to allow HC insurance companies to compete across state lines creates its own set of problems.

                  But the CBO did say the competition across would drive premium prices down 5%.

                  I say that 5% is not worth the huge problems it creates and it also does not force HC insurance companies to be nicer to people as the ACA does.

                  The truth about 'selling insurance across state lines' | Jay Bookman | www.ajc.com lists the problems that would evolve from that plan.

                  More competition was not going to make the large HC companies cut their profit margins that they were making from mistreating people.

                  And...

                  The American people would have received none of the protections and benefits the ACA brings to the table with the across state line plan.


                  Tort Reform:

                  The other idea they like to bring up is some sort of tort reform. You know, stop the lawyers
                  from taking advantage of the system and driving up costs - etc.

                  I've read somewhere legal fees etc. only account for like 2% of the cost of health care.

                  Methinks they are simply trying to stop lawyers from holding companies/people accountable.

                  They'd love to put caps on damages people can receive as a result of negligence.

                  I say...

                  Where are the other things that would have allowed some sort of competition frenzy to launch revolving around the sell across state lines plan?

                  The mythical "gov regulations are stifling competition" in the HC industry line sounds ominous but I'd love to know exactly which ones.

                  There must be a (wish) list in an article somewhere.


                  Unfortunately it's probably "like the gov regs are stifling business in general line" some people like to harp on...

                  ... in which the BLS said govt. regulations are responsible for hurting less than a 3rd of 1% of businesses and job creation.

                  The leaders sprout this line because they want to get rid of gov regulations that provide safety, protect consumers and the environment and all they really want to do is cut costs in order to increase their profits.
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            • Profile picture of the author seasoned
              Originally Posted by Hopeless Bromantic View Post

              That example doesn't work; nobody is forced to purchase someone else's food. You can always head for the wild and shoot a deer, catch a fish, or gather berries.
              I don't get what you are trying to say AT ALL!!!!!!!!

              FOOD is like Health insurance! With FOOD, you buy it for pleasure, and to prevent the ills that can occur without food. Also it can be addictive. You can buy any type from anywhere! There are poisons all around, so you must read small print that can get very lengthy. A PASTRY could list DOZENS of chemicals! COST is often a concern. Prices are kept relatively low.

              With INSURANCE, you buy it for comfort and to prepare. You can buy many types from those admitted(This is a TINY subset of those available in the US.) The criteria can be lengthy, so you may have to read over a dozen items just to determine the general cost, and maybe dozens more to determine what is covered(Yet to be disclosed with ACA). Prices are kept relatively low based on criteria for admitted programs, but higher risk and a better program mean the cost is higher.

              BTW If wisconsin milk weren't allowed in other midwestern states, maybe the cost of milk in those states would go up. If indiana couldn't sell corn domestically, the cost of ethanol and all sorts of corn in the US would skyrocket. That IS the kind of thing that happens with insurance in the US.

              IMAGINE! DENMARK has a SINTAX on cigarettes. One cigarette is produced ONLY in denmark. If denmark charged the sintax on the WHOLESALE sales, the price of those cigarettes WORLD WIDE would MORE THAN DOUBLE! The SAME sort of thing happens with GAS and insurance regulations in the US.

              My uncle in denmark claims the danish cigarettes are the BEST EVER! He tries to buy them in GERMANY whenever he can because THEY don't have the sintaxes, and the cigarettes are HALF the price that they are in DENMARK. IMAGINE! e takes a DAYS TRIP, and goes to ANOTHER country, even if it IS a border country, to buy cigarettes made in the country HE lives in!

              SOME in the US do the same sort of thing with CANADA for DRUGS! They cross the border to get drugs in canada because even the ones made HERE are cheaper THERE!

              Steve
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        • Profile picture of the author MikeTucker
          Originally Posted by seasoned View Post

          Well, I certainly don't know the parameters about the child labor laws. I can't imagine they forced children to work, and that certainly was NOT part of capitalism. as for hazardous employment, they will do that even with adults and claim it is 100% safe, even if they have had deaths.

          If she had SUCH a bad time, and was SO great, why didn't she QUIT? The bad evaluations were the first 3 years she worked there.
          ...

          Steve
          1. In many cases children were indeed forced to work, and in abhorrent conditions-- and it was considered "Capitalism" at the time.

          2. Yes I read the LLFPA of 2009. I didn't understand it all, but I
          didn't see that it "encourages him to terminate her" either? Could you
          point me to that part?

          As for why she didn't quit, if you know this much about it then I'm
          sure you know the story that is promoted to cover that question.
          Is it true? I don't know, I wasn't there. But I'm sure it has been
          true for quite a few other women.

          As for why she didn't file her complaints for 19 years, do consider
          that it was a different time-- It's often a little harsh to judge people
          for their choices in the past based on our mindsets of the current
          day and age.

          As for your personal situation, I have no idea.




          Originally Posted by Hopeless Bromantic View Post

          The free market has an extremely serious flaw when it comes to health care.

          Normally, a fair price for something is what the overall market is willing to pay for it. This principle works because nobody is being forced to purchase the product or service being sold. They have a choice between a used Dodge, a Mercedes-Benz, or even riding a bicycle.

          That balance is completely destroyed when the service is something like a cancer treatment, and the alternative is death.
          So, what to do? Should we have a "single-payer" type of system
          for life-threatening conditions, but have everyone be responsible for
          their own minor injuries and illnesses?

          And if so, what about those things which could become life-threatening
          with little warning, or in a short period of time, such as the flu?
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          • Profile picture of the author seasoned
            Originally Posted by MikeTucker View Post

            1. In many cases children were indeed forced to work, and in abhorrent conditions-- and it was considered "Capitalism" at the time.
            I knew it happened, I just felt I couldn't comment on it.

            2. Yes I read the LLFPA of 2009. I didn't understand it all, but I
            didn't see that it "encourages him to terminate her" either? Could you
            point me to that part?
            The whole act basically does! The first time she sued, they said she one EVERYTHING! Goodyear appealed, and they said she only won for 6 months.

            She went to the supreme court and they said the law is the law, and it is reasonable, so we won't overturn it.

            Someone in congress saw it and passed this stupid law that says every paycheck paid creates a NEW claim, and resets the statute.

            Let's look at an example.

            SHE makes $3000 a month and a MALE coworker came up with some great patent or something, so you now pay him $4000. She started in 1/1/2013.

            HER PAYMENT DATE MADE STATUTE SET TO
            $3000 2/1 8/1
            $3000 3/1 9/1
            $3000 4/1 10/1
            $3000 5/1 11/1
            etc....

            Let's say you fired her on 4/1 as well. After about 11/1 you could likely claim she was past the SOL if she sued.(and owe $3000 if she succeeds). Every month you wait gives her another month to prepare, and costs you potentially another $1000.

            [quote]As for why she didn't file her complaints for 19 years, do consider
            that it was a different time-- It's often a little harsh to judge people
            for their choices in the past based on our mindsets of the current
            day and age.

            As for your personal situation, I have no idea.

            She COULD have gotten another job, so time has nothing t do with it. As for the deal I have, I think I just quit at that point. Seriously I HATE cigarette smoke and was working around noxious AND EXPLOSIVE chemicals, and she smoked up a storm!

            So, what to do? Should we have a "single-payer" type of system
            for life-threatening conditions, but have everyone be responsible for
            their own minor injuries and illnesses?

            And if so, what about those things which could become life-threatening
            with little warning, or in a short period of time, such as the flu?
            If you have the flu, you should go to a hospital only if you REALLY need to! A LOT of people DIE from HOSPITAL borne illnesses after having things like the flu.

            The current government probably doesn't have many that could even operate an oven, let alone follow a betty crocker cookbook, or balance their OWN checkbook. So I don't want to trust them with ANY aspect of my life!

            I HAVE mentioned things, EVEN HERE that WOULD lower healthcare costs. I wish they would do THEM, instead of trying to gut the whole thing.

            And this "oh, it is a SHITTY plan" excuse? Let me boil down a REAL example! It is like you are in a restroom, you have trouble breathing, and someone just "farted". A nearby "friend" says "OH, this is HORRIBLE! You should wait until we are in CLEAN air to breath!" They put a plastic bag snugly around your head, so you will "be comfortable". They meet a friend, talk a few minutes and get you to a better area. They remove the bag. "OK, you can breath now!" they tell you. OK, you're dead, I guess you had too much trouble breathing.

            SERIOUSLY? You cut a person off from their hospital and doctor in the middle of a course of treatment and say "Well, it was a shitty plan"!?!?!? It may not have been the best, like that bad air, but it is still necessary!

            Steve
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    • Profile picture of the author seasoned
      Originally Posted by MikeTucker View Post

      This is absolutely true I think in many ways.
      However, we have to consider scale as well, don't we?
      Aren't most government agencies huge, with overwhelming
      responsibilities and a huge number of employees?

      Name any major corporation, and while they are probably doing
      it better than the government, I guarantee you they have their
      fair share of terrible mistakes and expensive waste.

      It seems to me that the only difference is that most of their
      shareholders take an active role in paying attention to what
      is going on and voting the major decision-makers in-and-out
      of their positions... Something that most taxpayers do not
      participate in?





      Capitalism is the greatest system in the world and I cannot think
      of any other that should replace it. I want to make my feelings
      clear on that.

      However, if it were perfect then we would have never needed
      little things like child labor laws and the Lilly Ledbetter Fair Pay Act,
      would we?

      Most of the time, getting the government the Hell out of the way
      is the best option-- But not always?

      Well, I certainly don't know the parameters about the child labor laws. I can't imagine they forced children to work, and that certainly was NOT part of capitalism. as for hazardous employment, they will do that even with adults and claim it is 100% safe, even if they have had deaths.

      As for the RECENT "Lilly Ledbetter Fair Pay Act"? Have you looked at what it actually did? It seems to me that if an employer were really guilty that it would encourage him or her to merely terminate the persons employment. Maybe THAT is why LLB waited until she retired. If she had SUCH a bad time, and was SO great, why didn't she QUIT? The bad evaluations were the first 3 years she worked there.

      If the LLBL existed when she was employed, they could have had her signoff at some point that the pay was fair. Failing that, they could say they fired her for negative evaluations and to protect their standing should a case occur, since each payment would extend the limitation to 180 days past that date.From what I have seen, lawyers could claim that the limitation is nearly forever! LLB could simply hold a check and, a couple weeks before it becomes stale, deposit it! They could then claim she was paid when it cleared the last bank. So that 180days could EASILY become 460days(or over a YEAR)!(180 average time an unlimited check is not stale+ 180 LLBL + 100 About how long one check I cashed took to clear the last bank.)

      GEE, I had a FEMALE supervisor once ball me out for fixing these boards wrong. And it was due to HER lack of instruction and no template as to how they should look. But I, as the LAST line of defense, got blamed. Gee, maybe I should sue. Maybe some lawyer could find some theory, etc... CLEAR case of sexism!

      There HAVE been studies showing that, compensating for job types, the pay disparity is NOT that much. Even Lilly Ledbetter made it CLEAR that not everyone got paid the same, not EVEN the MEN! She ALSO made it clear that she DID receive negative evaluations that WOULD and DID affect her pay, for 3 of the 19 years!. 19 YEARS later, she filed the lawsuit after retiring. Frankly, I am HAPPY she lost. The act was by the congress in response to the decision against her. I guess if she worked 10 years, retired, and got only 10 years 100% pay at retirement, she could keep suing for more pay.

      Steve
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    • Profile picture of the author TimPhelan
      Mike, I prefer what we have in the US and in virtually every country in the world, which is a mixed economic system of socialism and capitalism.
      Originally Posted by MikeTucker View Post

      Capitalism is the greatest system in the world and I cannot think
      of any other that should replace it.
      Gary, we have seen how a pure capitalistic environment affects the health care industry and it doesn't look good. One example was if you were trying to buy individual insurance and have a pre-existing condition the insurance comapnies would turn you down cold. This happened to millions and I have yet to hear of any alternative from those who oppose single payer or the ACA. Selling accross state lines with no regulations certainly wouldn't solve that problem and would likely only accomplish an explosion of crappy health insurance plans. Sorry, but laissez faire economics has no place in the health industry, or anywhere else really.

      Originally Posted by garyv View Post

      No - I believe insurers should be able to sell across state lines - "in a pure capitalistic environment". And not burdened by regulations preventing them from providing affordable packages for those with lesser funds.
      If they receive tax credits then it is also a socialistic system.

      Originally Posted by garyv View Post

      You could still have hospitals caring for the poor, and receiving tax credits for doing so, in a capitalistic system.
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      • Profile picture of the author garyv
        Originally Posted by TimPhelan View Post


        Gary, we have seen how a pure capitalistic environment affects the health care industry and it doesn't look good.
        No - we never have.

        Originally Posted by TimPhelan View Post

        One example was if you were trying to buy individual insurance and have a pre-existing condition the insurance comapnies would turn you down cold.
        Yes or raise your prices extremely high. That's no surprise. Insurance is supposed to be a premeditated measure, otherwise the concept of insurance doesn't make sense. I dare you to try and take your pre-wrecked car and get full coverage on it. It wouldn't make sense to an insurance company. The flaw there is either when the person didn't get insurance before hand, or when the previous company booted them off.

        A pre-existing condition is going to be a certain expense for either system. So then it comes down to personal responsibility and the kind of society you want to have. Here in the United States - we are a republic. Which means that our freedoms are granted individually, and with that it also means that we take individual responsibilities.

        A certain amount of individual freedom and responsibility is taken away when the whole of society has to pay for and take responsibility for others who are lacking. Whether their lacking is because of improper foresight, or because of something else that they may have no control over - the question is still - Should the individual be responsible, or should the rest of us be responsible?

        If we choose to be responsible for the whole of society, then we automatically give up individual freedoms. Without question. Once someone else is paying your way, you lose a great deal of choices.

        I don't mind helping out others - not at all. But I honestly don't think that a government run agency - especially here in the United States - is going to be efficient enough to provide a service any better than we've already had. As of right now it's plain to see that it's much worse. We'll see if it gets better in a few years - I'd be happy to eat my words.

        But even if it gets up to the same standards as we've had before, it's definitely not worth the enormous financial burden it's going to place on the Country.
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        • Profile picture of the author Kay King
          it comes down to personal responsibility

          When you have nothing or next to nothing, there's not much to be personally responsible WITH.

          Whether you have a bad cut or a broken bone....have a high fever or cancer... In the midst of a crisis sometimes you need to be taken care of.

          I'm against many of the giveaways our govt has - but I've always thought no one should go without medical care in a country that has as much as this one does.

          For every person who would visit a doctor more than they need...there are many more who wouldn't. I think alternative health systems are something we need to discuss and keep in mind. I'm afraid we're going to be in a such a mess in another year or two that we'll NEED something that works.

          It's not enough to spend more per person on health care than any other country in the world - we need medical care available to every person.
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          • Profile picture of the author MikeAmbrosio
            Originally Posted by Kay King View Post

            When you have nothing or next to nothing, there's not much to be personally responsible WITH.

            Whether you have a bad cut or a broken bone....have a high fever or cancer... In the midst of a crisis sometimes you need to be taken care of.

            I'm against many of the giveaways our govt has - but I've always thought no one should go without medical care in a country that has as much as this one does.

            For every person who would visit a doctor more than they need...there are many more who wouldn't. I think alternative health systems are something we need to discuss and keep in mind. I'm afraid we're going to be in a such a mess in another year or two that we'll NEED something that works.

            It's not enough to spend more per person on health care than any other country in the world - we need medical care available to every person.
            Kay - I think it's safe to say that most people agree with this. This issue isn't about covering people - it's about HOW to cover people without bankrupting the country. This is where the divide lies. Some think throwing endless amounts of money at it (whether via the government or private business) is the answer. Some think there's nothing to fix.

            If you can figure out how to get the majority of the people to agree on a solution, that's 3/4 of the battle.
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            • Profile picture of the author MikeTucker
              Originally Posted by Kay King View Post

              When you have nothing or next to nothing, there's not much to be personally responsible WITH.

              Whether you have a bad cut or a broken bone....have a high fever or cancer... In the midst of a crisis sometimes you need to be taken care of.

              I'm against many of the giveaways our govt has - but I've always thought no one should go without medical care in a country that has as much as this one does.

              For every person who would visit a doctor more than they need...there are many more who wouldn't. I think alternative health systems are something we need to discuss and keep in mind. I'm afraid we're going to be in a such a mess in another year or two that we'll NEED something that works.

              It's not enough to spend more per person on health care than any other country in the world - we need medical care available to every person.

              Originally Posted by MikeAmbrosio View Post

              Kay - I think it's safe to say that most people agree with this. This issue isn't about covering people - it's about HOW to cover people without bankrupting the country. This is where the divide lies. Some think throwing endless amounts of money at it (whether via the government or private business) is the answer. Some think there's nothing to fix.

              If you can figure out how to get the majority of the people to agree on a solution, that's 3/4 of the battle.


              I think this is very close to the heart of many issues, at least for me.
              I feel like no one should be going without shelter, food, medical care, etc.

              But as Ed Whitacre Jr. always used to say to me in his dumbest Texas drawl,
              "Well that's real nice... Now who's gonna pay for it!?"

              I'll give an example with Food Stamps. Now, I hate the idea
              of telling people what they can or cannot eat, but if they are getting
              assistance to pay for it, perhaps we should cut out the soda and
              junk food, things they don't need? I have no problem if they want
              to get those things, but they should pay for them with their own money?

              And something similar for medical care. Don't ask me what should
              be considered "necessary" and what should not-- I'm no doctor!!
              But perhaps something like a check-up with the dentist should
              not be covered by the government, whereas something like cancer
              should?

              (I don't bring up cancer because of my own experience-- I bring
              it up because I'm told by people working in the medical billing industry
              that cancer is the #1 cause of financial ruin for otherwise successful
              people in this country? Not sure how accurate that is but it seems
              like there is some truth to it?)

              What about that? Something like a single-payer system for the
              most important, urgent, expensive costs (determined by someone
              other than me!) but free market insurance or personal responsibility
              for broken fingers, minor infections, etc.?
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      • Profile picture of the author MikeTucker
        Originally Posted by garyv View Post

        Also - the reason more competitive cancer treatments aren't offered is because of over regulation and anti-competitive monopolistic practices. An ease in regulations would bring about surprising treatments for cancer - much better than the poisoning system we're using now I'm sure.
        I would be very curious about these "surprising treatments for cancer"?
        I agree that the "poisoning system" is quite horrible but frankly I've
        never seen real, measurable medical results from most anything else?



        Originally Posted by TLTheLiberator View Post

        You're entitled to your own opinions but not your own facts.
        I love it when people use that statement, it is so powerful
        and to the point. But, shouldn't we follow-up with what the
        facts actually are-- In this case for example, the exact words
        of the CBO?



        Originally Posted by TimPhelan View Post

        Mike, I prefer what we have in the US and in virtually every country in the world, which is a mixed economic system of socialism and capitalism.
        Hmm... Well, I suppose you're right there, my definition of "socialism"
        was a little strict I think.
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        • Profile picture of the author garyv
          Originally Posted by MikeTucker View Post

          I would be very curious about these "surprising treatments for cancer"?
          I agree that the "poisoning system" is quite horrible but frankly I've
          never seen real, measurable medical results from most anything else?
          That's because alternative treatments are usually not allowed - you won't find medical results if the treatments are not allowed, which is my point.

          Just do a search for "alternative cancer treatments". Yes there are a lot of quacky treatments out there, but there are alternatives that are working for people. Do a search for "Suzanne Somers alternative cancer treatment". - There are plenty of treatments out there.
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          • Profile picture of the author MikeTucker
            Originally Posted by garyv View Post

            That's because alternative treatments are usually not allowed - you won't find medical results if the treatments are not allowed, which is my point.

            Just do a search for "alternative cancer treatments". Yes there are a lot of quacky treatments out there, but there are alternatives that are working for people. Do a search for "Suzanne Somers alternative cancer treatment". - There are plenty of treatments out there.
            Ah, I see.

            I have to admit that I have a very strong bias against these
            "natural" and "alternative" treatments. In my limited experience
            they bring no measurable results, and I'm going to have to stick
            with the professional opinions of people who actually went to
            8+ years of medical school.

            No insult meant here-- Just another clash of culture and opinion,
            I think... It's okay, I think you and I actually did agree on something
            once? :p
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            • Profile picture of the author garyv
              Originally Posted by MikeTucker View Post


              No insult meant here-- Just another clash of culture and opinion,
              I think... It's okay, I think you and I actually did agree on something
              once? :p

              No offense taken - I like to get the expert's opinion as well. But I go into every situation smart enough to know that even an expert can learn new things.
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          • Profile picture of the author Martin Avis
            Originally Posted by garyv View Post

            That's because alternative treatments are usually not allowed - you won't find medical results if the treatments are not allowed, which is my point.

            Just do a search for "alternative cancer treatments". Yes there are a lot of quacky treatments out there, but there are alternatives that are working for people. Do a search for "Suzanne Somers alternative cancer treatment". - There are plenty of treatments out there.
            Sadly, we have reached an age where we have known a lot of people who have had cancers of one form or another. Far too many. And after Delia's diagnosis we discovered that even more of our friends than we had suspected have had brushes with it.

            This is clearly a very small sample in the grand scheme of things, but 100% of those who sought 'alternative' treatments and therapies are now dead. 90% of those who followed the doctors' recommendations (however awful) are still alive.

            God forbid I ever get it, but if the day does come I will trust my doctor.
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            • Profile picture of the author ThomM
              Originally Posted by Martin Avis View Post

              Sadly, we have reached an age where we have known a lot of people who have had cancers of one form or another. Far too many. And after Delia's diagnosis we discovered that even more of our friends than we had suspected have had brushes with it.

              This is clearly a very small sample in the grand scheme of things, but 100% of those who sought 'alternative' treatments and therapies are now dead. 90% of those who followed the doctors' recommendations (however awful) are still alive.

              God forbid I ever get it, but if the day does come I will trust my doctor.
              If you are just going by people you know, then I can say that 100% of the people I know who followed their doctors advice (with cancer) are dead.
              If you're talking about everyone, then you are simply wrong.
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            • Profile picture of the author garyv
              Originally Posted by Martin Avis View Post

              Sadly, we have reached an age where we have known a lot of people who have had cancers of one form or another. Far too many. And after Delia's diagnosis we discovered that even more of our friends than we had suspected have had brushes with it.

              This is clearly a very small sample in the grand scheme of things, but 100% of those who sought 'alternative' treatments and therapies are now dead. 90% of those who followed the doctors' recommendations (however awful) are still alive.

              God forbid I ever get it, but if the day does come I will trust my doctor.
              I haven't interviewed enough people to know for sure honestly. But over here the treatments are limited, so it would be hard to get an accurate assessment.

              But have you asked everyone you know if they have cancer or not? Just wondering if some people you may know have cancer but have escaped detection, because that the side effects of using alternate methods many times are unnoticeable.

              And could it be that some of them lived a few years less, but were full of energy, kept their hair, and didn't throw up after every meal?
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              • Profile picture of the author TimPhelan
                Originally Posted by garyv View Post

                Just wondering if some people you may know have cancer but have escaped detection, because that the side effects of using alternate methods many times are unnoticeable.
                I have heard the ability of alternative methods to cure and treat cancer is unnoticeable also. :/

                And could it be that some of them lived a few years less, but were full of energy, kept their hair, and didn't throw up after every meal?
                Seriously? Many people who get cancer do choose to have no treatments to avoid the side effects of radiation, surgery and chemo, but usually it's because they are elderly and/or the cancer may be a less aggresive type like some prostrate cancers. To suggest that a good point of alternative medicine is that you might die sooner but at least you will get the same results as no conventional treatments is kind of odd.
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                • Profile picture of the author MikeTucker
                  Originally Posted by TimPhelan View Post

                  I have heard the ability of alternative methods to cure and treat cancer is unnoticeable also. :/



                  Seriously? Many people who get cancer do choose to have no treatments to avoid the side effects of radiation, surgery and chemo, but usually it's because they are elderly and/or the cancer may be a less aggresive type like some prostrate cancers. To suggest that a good point of alternative medicine is that you might die sooner but at least you will get the same results as no conventional treatments is kind of odd.
                  I'm out of "Thanks" again but yes, exactly this. ^^

                  The only thing I would add is that the number of doctors who
                  refuse care and accept their death is also staggeringly high.
                  And they are not going to "Alternative Medicines", they
                  just accept their time and enjoy what they have left.

                  Doctors also tend to have "no code" bracelets or tattoos.
                  Pain killers, yes... Mend a broken bone, yes probably.
                  CPR, no... Dialysis, usually no... Chemo... NO!

                  That's another thing that would cut down healthcare costs
                  drastically, if everyone would ask their doctor, "What would you do?"
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                • Profile picture of the author garyv
                  Originally Posted by TimPhelan View Post

                  I have heard the ability of alternative methods to cure and treat cancer is unnoticeable also. :/
                  Sorry - I can't help you w/ your lack of reading comprehension.


                  Originally Posted by TimPhelan View Post

                  Seriously? Many people who get cancer do choose to have no treatments to avoid the side effects of radiation, surgery and chemo, but usually it's because they are elderly and/or the cancer may be a less aggresive type like some prostrate cancers. To suggest that a good point of alternative medicine is that you might die sooner but at least you will get the same results as no conventional treatments is kind of odd.
                  Of course it's odd - because I never suggested that. Perhaps a remedial reading class will help your comprehension.
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                  • Profile picture of the author MikeTucker
                    Originally Posted by Ken_Caudill View Post

                    In a constitutional republic people are free to decide what is best for them. This is an individual right, not a group right. I do not want, and certainly do not need, people like you deciding what is best for me.

                    Hell, it's downright scary to contemplate.
                    I'm trying to understand where you are coming from here, I really am.
                    And I can identify to the point that I am also fiercely protective
                    of my own rights and privacy. For example, I use my real name in
                    this forum only because it is a common name, and I never put up
                    an avatar.

                    But none of us live in a bubble, do we? We have a vested interest
                    in keeping the people around us healthy-- for the sake of our own
                    health, and even for the sake of our collective economy. Sick
                    people are less productive and cost a lot more!?

                    So the way I see it, (and I think the way Tim sees it?) is that
                    we are all benefiting from society as well as dependent on it,
                    no matter how "independent" we each are. It is not only in our
                    best interest to help other people in our community, but also
                    our responsibility.

                    The day that we stop taking any benefits at all from the group,
                    perhaps that is the day that we will have no responsibility to
                    the group?




                    Originally Posted by Ken_Caudill View Post

                    No, the concept is too foreign for you to conceptualize. Since I'm in a good mood, I'll point you in the right direction. Ask yourself how an entire industry survives selling goods and services the greater part of the populace cannot afford.

                    If you can answer that, you're well on your way.
                    Ken, I realize that it is your manner with everyone, but I've decided that if you
                    continue to attempt to speak down to me in the future, I'm just going to start ignoring
                    everything you write. Which is a shame, because I really am
                    trying to learn here, but the fact that I have different beliefs
                    and opinions than you does not make them wrong, nor does it
                    make me ignorant, nor unable to "conceptualize". It only means
                    that I have had different life experiences, and I disagree with
                    what you are saying on a fundamental level.

                    If you would like to discuss these disagreements in a civil manner,
                    and maybe even look for some common ground, well then that is
                    why we're in a discussion forum, isn't it?

                    But if you don't care to do that, then let's just ignore each other
                    moving forward. I've enjoyed our conversations in both times
                    when we are on the same side of an issue and when we are not,
                    except for when these personal insults start. There's just no need.




                    Sorry - I can't help you w/ your lack of reading comprehension.
                    Perhaps a remedial reading class will help your comprehension.

                    This kind of thing, too.

                    And you know what? I've been guilty of it in the past. I've said
                    some ridiculous, arrogant things around here, and really maybe
                    some of the worst of it. And I apologize to everyone who has
                    had to read that crap.

                    This is the Warrior forum. I'm not suggesting we all be a bunch
                    of ass-kissing pansies. But I think a basic level of respect for
                    each other is not too much to demand of ourselves, is it?
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                    • Profile picture of the author MikeTucker
                      Originally Posted by Ken_Caudill View Post

                      Plainly, the idea of a sovereign individual is foreign to you. I am sure, from your posts, that you consider it some kind of radical idea held by rifle-toting miscreants who don't wash very often.
                      No Ken, the concept is not foreign to me.
                      Nor do I jump to conclusions about the general behavior and hygiene
                      of those who believe in it.

                      In fact, I have noted from your posts that I actually agree with
                      some of the tenants more than you do, such as in the case of
                      bodily integrity-- A point which I would be happy to expound
                      upon in a different venue.

                      All that being said, I believe the overall concept is a bit immature,
                      incomplete, and unrealistic. These judgements are not made because
                      the idea itself is "foreign" to me, but because I know there is a lot
                      more to the dynamic of human interaction based on my own
                      experiences.

                      It's a wonderful foundation and a bedrock principle in our
                      Constitution but it is not the end-all, be-all solution to all
                      of the problems we face.

                      Originally Posted by Ken_Caudill View Post

                      I notice, too, that you choose to pout and then cherry pick my posts instead of answering them. So, if you really are seeking knowledge, which I sincerely doubt, you might want reply to the question I asked.
                      Not accurate... I just wanted to clarify these two points before we continued:
                      1. I enjoy our conversations and have learned many things from you;
                      2. But I'm going to ignore you if you're going to continue to be condescending and sometimes even openly insulting.

                      Originally Posted by Ken_Caudill View Post

                      How does an entire industry that affects every man, woman and child in this country survive charging prices virtually no one can afford?
                      You mean like war? Because they keep finding money for that...

                      Originally Posted by Ken_Caudill View Post

                      Can you do that? How long would you be in business? Please don't come back with examples of Beverly Hills plastic surgeons who cater to the elite. Answer the question.
                      Not sure why you would assume I would bring up examples like that?
                      But my answer is this simple statement, which you yourself have used
                      elsewhere: "Where there's a will, there's a way."

                      I reject the idea that we can find money to kill people in other countries,
                      but we cannot find money to take care of people in our own country.


                      Originally Posted by Ken_Caudill View Post

                      If you can answer that, you might be able to see the efficiency and beauty of a free market approach to medical care.
                      Beauty? More like terror:

                      Originally Posted by Hopeless Bromantic View Post

                      The free market has an extremely serious flaw when it comes to health care.

                      Normally, a fair price for something is what the overall market is willing to pay for it. This principle works because nobody is being forced to purchase the product or service being sold. They have a choice between a used Dodge, a Mercedes-Benz, or even riding a bicycle.

                      That balance is completely destroyed when the service is something like a cancer treatment, and the alternative is death.



                      Originally Posted by Ken_Caudill View Post

                      Using force to implement a government-controlled medical care system scares the hell out of me. It should scare you, too.
                      I have my concerns, but I believe most of them could have
                      solutions if executed properly. Hardly "scares the hell" out of me.


                      Originally Posted by Ken_Caudill View Post

                      I lived in England when it was controlled by socialists. I know what it's like. I don't think you'll care too much for government health care when they send your grandmother home with an analgesic so that she may die in less pain because she's too old to warrant care.

                      Be careful what you ask for...
                      You assume much. One of my grandmothers refused dialysis because
                      she had seen her friends go through it. She decided it was her time
                      and accepted only enough painkillers that her mind wouldn't be
                      numbed too much. The other was a doctor with a "No Code" bracelet
                      when she fell 20 ft. out of a helicopter and landed on her head.

                      In fact, after the experience of my wife, and speaking with doctors
                      who have explained that we wouldn't torture terror suspects in some
                      of the ways we "treat" patients, I have to say that a healthy
                      combination of acceptance and painkillers is an excellent plan
                      for saving money on healthcare.
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                      • Profile picture of the author SteveJohnson
                        Originally Posted by MikeTucker View Post

                        ... In fact, after the experience of my wife, and speaking with doctors who have explained that we wouldn't torture terror suspects in some of the ways we "treat" patients, I have to say that a healthy combination of acceptance and painkillers is an excellent plan for saving money on healthcare.
                        If it's voluntary, I agree. My mother passed away this last October after a battle with a major infection. At the end, it was her decision to stop the treatments that were causing her so much pain, and to request a DNR order. I had to respect her decision.

                        But had a panel of number crunchers withheld treatment, preached 'acceptance', prescribed painkillers, and sent her home to die, I would probably be in jail right now.
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                        • Profile picture of the author MikeTucker
                          Originally Posted by SteveJohnson View Post

                          If it's voluntary, I agree. My mother passed away this last October after a battle with a major infection. At the end, it was her decision to stop the treatments that were causing her so much pain, and to request a DNR order. I had to respect her decision.

                          But had a panel of number crunchers withheld treatment, preached 'acceptance', prescribed painkillers, and sent her home to die, I would probably be in jail right now.
                          First, I'm sorry for your loss. I know it can be painful but I hope that
                          her last bit of time was painless and happy.
                          Secondly, I absolutely agree... And I would have saved you a
                          seat in the cell with me!

                          I think I expressed early on in this thread that one of my major
                          concerns about the idea of government-controlled healthcare
                          is that the bureaucrats would have influence over decisions that
                          should be made between patients and doctors... Really this is
                          my biggest objection, and not the cost or trying to figure out how
                          to pay for it.
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                          • Profile picture of the author TimPhelan
                            Mike, this concern is completely understandable. However there usually is already someone who has influence over decisions that should be just between the patient and the doctor. These are the insurance companies. I think the likely hood of insurance companies getting in the way is greater because they have profits and shareholders to be concerned about.
                            Originally Posted by MikeTucker View Post

                            I think I expressed early on in this thread that one of my major
                            concerns about the idea of government-controlled healthcare
                            is that the bureaucrats would have influence over decisions that
                            should be made between patients and doctors... Really this is
                            my biggest objection, and not the cost or trying to figure out how
                            to pay for it.
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                            • Profile picture of the author MikeTucker
                              Originally Posted by TimPhelan View Post

                              Mike, this concern is completely understandable. However there usually is already someone who has influence over decisions that should be just between the patient and the doctor. These are the insurance companies. I think the likely hood of insurance companies getting in the way is greater because they have profits and shareholders to be concerned about.
                              Hmm... Really? Do insurance companies get to influence
                              the decisions of doctors? :confused:
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                              • Profile picture of the author TimPhelan
                                Originally Posted by MikeTucker View Post

                                Hmm... Really? Do insurance companies get to influence
                                the decisions of doctors? :confused:
                                Sure.

                                For doctors, health insurance is one of the most influential factors we deal with in practicing medicine, just under saving patients' lives. For example, let's say we have a medication that is perfect for you but costs $140 a month after insurance; a less good medication costs $4 a month after insurance. Your doc often elects second best for you so you have a few bucks left to eat. Similarly, the insurance coverage drives almost every other medical decision we make, including which tests and procedures we can use to diagnose and treat patients, and even which patients we care for. Doctors act independently of this concern usually only when making life-and-death decisions, and usually is the operative word.
                                How much does insurance influence doctors' decisions? - Health Insurance - Sharecare
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        • Profile picture of the author TimPhelan
          I wasn't being critical of your definition Mike.

          Personally I don't like the idea of a "pure" capitalistic system or a "pure socialistic" system as neither seem to work by themselves very well and almost every country has a mixture. Even China has changed quite a bit the past few decades. ( They actually have the second most billionaires in the world now! Russia is 3rd! )

          As you pointed out in a previous post a big problem with getting a single payer system passed here is the emotional knee jerk calls of "socialism and communism" when in reality so many countries, that are mixed economies in most ways, simply choose to have a socialistic health care system and keep much of the rest of the economy capitalistic. The two systems aren't mutually exclusive.

          One of the funniest and most ironic things I have seen come from the recent health care debate were the signs saying "Keep your socialist hands off my medicare" or "Don't steal from medicare to support socialised medicine" or "Keep your government hands off my medicare, you damn socialists".

          Originally Posted by MikeTucker View Post

          Hmm... Well, I suppose you're right there, my definition of "socialism"
          was a little strict I think.
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          • Profile picture of the author MikeTucker
            Originally Posted by TimPhelan View Post

            I wasn't being critical of your definition Mike.

            One of the funniest and most ironic things I have seen come from the recent health care debate were the signs saying "Keep your socialist hands off my medicare" or "Don't steal from medicare to support socialised medicine" or "Keep your government hands off my medicare, you damn socialists".
            Nope, didn't think that you did.

            Yeah, there are some funny signs like that on both sides.
            I've often wondered whether some of them are "real".
            I'm sure that some are fake, but others are just forehead slappers.
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            • Profile picture of the author Paul Myers
              Mike,
              The solution (I think? )is to stop thinking of it as a "debate", and more like a Think Tank, working on a solution? But that's difficult to remember in the midst of a conversation with so many emotional triggers.
              Yes it is, and yes it is.

              Too many people have invested their egos in the labels they assign to things in this discussion. Polarization is an ugly thing.

              Gary,
              But that doesn't take into consideration that a larger system becomes more cumbersome - and much easier to introduce fraud and inefficiencies.
              And the insurance/pharmaceutical/medical industry in the US is, in its current state, how large?

              One-sided comparison. Should we start talking about why a couple of aspirin cost so much for a hospitalized person and so little at the corner drug store?


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              • Profile picture of the author garyv
                Originally Posted by Paul Myers View Post


                Gary,And the insurance/pharmaceutical/medical industry in the US is, in its current state, how large?

                One-sided comparison. Should we start talking about why a couple of aspirin cost so much for a hospitalized person and so little at the corner drug store?


                Paul
                That is very true - I was just making the argument that a per capita number can't really be an accurate comparison tool when one country is much larger than the other. It wasn't actually an argument against one system or the other, just the "per-capita" comparisons being made.
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                • Profile picture of the author Paul Myers
                  Gary,
                  I was just making the argument that a per capita number can't really be an accurate comparison tool when one country is much larger than the other.
                  You have reversed the logic. A larger country should be able to at least match the one with fewer resources. They should, in fact, be able to achieve better economies of scale.

                  That is why per capita metrics are useful. They are the single most accurate objective measure of the efficiency of the systems being compared. They ignore some factors, certainly, which is why advocates of the current system work so hard to perpetrate the fraud that less expensive systems create more harm and do less good than ours.

                  It's an easy lie to swallow, if you're more interested in sustaining a perspective than improving the system.


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                  • Profile picture of the author garyv
                    Originally Posted by Paul Myers View Post

                    Gary,You have reversed the logic. A larger country should be able to at least match the one with fewer resources. They should, in fact, be able to achieve better economies of scale.
                    I'm talking about the "per capita" (per person) usage itself as a comparison. Even in your statement above you admit that per capita is relative to resources provided. However that's not the only variable that can effect a per capita number. When we're talking healthcare, the size of the institution when it is run by a large bureaucracy filled with union workers, the size is inversely proportional to it's efficiency, and it's "per capita" spending goes up.

                    I know that - that paragraph is filled with ideological trigger words - but it's true.
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                    • Profile picture of the author Paul Myers
                      Gary,
                      that's not the only variable that can effect a per capita number.
                      That's why I also said, "They ignore some factors, certainly."

                      No single metric is absolute and comprehensive by itself. Still, when you compare countries with cultures as similar as The US, UK, and Canada, one rather doubts the variables aren't the result of manageable factors.
                      the size is inversely proportional to it's efficiency
                      I have heard that claim before. I have never once seen any statistically valid support for it. Every single time it has been an ideologically-based assertion.

                      If you are able to be the first to prove the claim, it would be a notable occurrence, putting you ahead of all the bloviating talk show hosts and rhetoricians in the business.

                      Every other industrialized western nation has government run health care systems, and they all have lower per capita costs, with comparabale outcomes from treatment. Again, are you willing to state, in clear and unambiguous terms, that Americans are simply too stupid to do what others have already done?

                      The UK: 63 million people.
                      Germany: 82 million.
                      France: 65 million.

                      These are not tiny island nations. When you reach populations of that size, you're already at the point where the system is the limiting factor, not the number of people in it.

                      I remember when the US refused to be second place to anyone, in anything. We didn't just assert that we could do better. We went out and bloody well did it, or at least gave it one hell of an effort.

                      What happened to that insistence on excellence rather than excuses?


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                      • Profile picture of the author garyv
                        Originally Posted by Paul Myers View Post

                        Every other industrialized western nation has government run health care systems, and they all have lower per capita costs, with comparabale outcomes from treatment. Again, are you willing to state, in clear and unambiguous terms, that Americans are simply too stupid to do what others have already done?
                        Well - sort of yes

                        But my point is that we have a completely different form of government and economy. It would take a completely new constitution and implementation of economic policy to pull it off. We are not set up to do what they are doing. There's a price to pay for the freedoms we have and that is one of the costs.
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                        • Profile picture of the author Paul Myers
                          Gary,
                          Do you mean capitalism and being a republic? The comparison is only made because our government which is a republic is setup and much closer suited to a capitalist economy.
                          How so?

                          I could make a good case that a republic is, by definition and structure, more suited to socialist economic forms. It would be every bit as wrong as yours, but it would be a very compelling argument.

                          A republic is a republic. It is a form of representational democracy, and nothing more. Pretending that it has anything to do with the models used in various economic sectors is a dangerous error of logic.

                          Especially in a country in which the word has been as propagandized as it has in the US.
                          But my point is that we have a completely different form of government and economy.
                          Completely different from that of the UK, France or Germany? That is more than a little bit of a stretch.

                          One of the measures of the strength of any country is its ability to choose to change. There is nothing in the nature of our Constitution or the people of this country preventing that. Nothing.

                          That whole line of argument is fallacious.
                          There's a price to pay for the freedoms we have and that is one of the costs.
                          Ah. Freedoms. The "Once I utter it, I'm absolved from further analysis or challenge" magic word.

                          There is a fact which many people who abuse that word ignore. It is simply that one cannot have a large and complex social structure without exchanging some freedoms for some benefits. The US has always striven to tilt the balance as much as reasonably possible in the direction of more freedom at less cost. I think that is, overall, a good tendency.

                          What we have in this country is so distorted that it has no connection to freedom. We have hospitals jacking up the prices on things like aspirin to avoid revealing the true costs of staffing, companies working to establish hostage situations under guise of recovering R&D costs, and more similar factors than you could list in a post of reasonable length.

                          Want to eliminate a huge chunk of the incentive for abuse in the system? Move control from the stockholders to the stakeholders. Give doctors and nurses more say in how things are done - and priced. If you don't think it disgusts most nurses to know their patients are getting billed $4, $6, and even $18 for a single aspirin, you haven't dealt with a lot of health care professionals.

                          That is not the result of a form of government.


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                          • Profile picture of the author garyv
                            Originally Posted by Paul Myers View Post

                            A republic is a republic. It is a form of representational democracy, and nothing more. Pretending that it has anything to do with the models used in various economic sectors is a dangerous error of logic.
                            To pretend that forms of government aren't built up around and for the purpose of forwarding specific types of economy is also a dangerous error of logic.

                            We were setup as more of a "Capitalist Republic". Those two words were combined before I came along. I didn't make them up here just to push an ideology.
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                            • Profile picture of the author Paul Myers
                              Gary,
                              To pretend that forms of government aren't built up around and for the purpose of forwarding specific types of economy is also a dangerous error of logic.
                              Oh? How so?

                              Note that I didn't say "our" republic. A specific government might be developed around a specific economic ideology, and almost has to be. The generic term 'republic' does not, however, have any such connotation.

                              OUR republic has had plenty of dalliances with what many would call socialist programs. Far too many to pretend that we're all that pure a capitalist society.

                              The WPA is an example of one which was wildly successful.

                              The current state of the health care industry in this country doesn't bear a great deal of resemblance to true capitalism. You've acknowledged that, I believe, but it seemed worth repeating.
                              We were setup as more of a "Capitalist Republic".
                              Not based on any history I was taught. We were established as a republic, with no real emphasis on any specific economic system.

                              Please show me where the emphasis on capitalism was established by the founders of this country, limiting your cites to the Declaration of Independence and the original US Constitution.


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                            • Profile picture of the author TimPhelan
                              I can guarantee those two words were never combined at the time our country was founded. Also, some of our most famous and important founding fathers had some very socialistic thoughts on how our economic system should work including property taxes, a form of social security, limited wealth, guaranteed minimum income for all etc...

                              Originally Posted by garyv View Post

                              We were setup as more of a "Capitalist Republic". Those two words were combined before I came along. I didn't make them up here just to push an ideology.
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                              • Profile picture of the author Midnight Oil
                                Originally Posted by TLTheLiberator View Post

                                Mike Tucker questions that statement also, so I'm not the only one.
                                That someone else might agree with you really isn't much of an argument.

                                If Obama's promise wasn't a selling point, he wouldn't have repeated it close to forty times.

                                Fact: Obama continued to make the promise as late as 2012 (one could argue late 2013).

                                Fact: The Obama administration knew at least as early as June 2010 that up to 67% of those in the individual market would lose their plans.

                                You can close us out.
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                                • Profile picture of the author MikeTucker
                                  Originally Posted by Midnight Oil View Post

                                  Fact: The Obama administration knew at least as early as June 2010 that up to 67% of those in the individual market would lose their plans.

                                  You can close us out.
                                  Hmm, that might change my opinion on this specific "lie".
                                  Can you show me how you know that the Administration knew
                                  at that time that many people would lose their plans?

                                  And where the 67% is coming from? Because that would be
                                  over 125M, far more than the 12M that actually are getting
                                  kicked out of their plans, isn't it?
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                                  • Profile picture of the author Midnight Oil
                                    Originally Posted by MikeTucker View Post

                                    Hmm, that might change my opinion on this specific "lie".
                                    Can you show me how you know that the Administration knew
                                    at that time that many people would lose their plans?

                                    And where the 67% is coming from? Because that would be
                                    over 125M, far more than the 12M that actually are getting
                                    kicked out of their plans, isn't it?
                                    Obama admin. knew millions could not keep their health insurance - NBC News
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                                    • Profile picture of the author MikeTucker
                                      Interesting article. I've read hundreds like it though,
                                      on both sides, and while they are very persuasive
                                      I have some problems with them. In example:

                                      They start with an official sounding fact, but will not name the source:

                                      "Four sources deeply involved..."

                                      I consider myself "deeply involved".
                                      Can I be a source, and say what I want to about it?


                                      And the key statement in this instance which "proves"
                                      the "lie" is this, from the NBC article:

                                      Buried in Obamacare regulations from July 2010 is an estimate that because of normal turnover in the individual insurance market, “40 to 67 percent” of customers will not be able to keep their policy. And because many policies will have been changed since the key date, “the percentage of individual market policies losing grandfather status in a given year exceeds the 40 to 67 percent range.”

                                      That means the administration knew that more than 40 to 67 percent of those in the individual market would not be able to keep their plans, even if they liked them.

                                      However, the individual insurance market is always changing
                                      their policies (long before the new healthcare law was a gleam
                                      in Obama's eyes!) and has always had a naturally high turnover
                                      rate. Very few people out of that "40% to 67%" were going to
                                      have the same insurance 4 years later, anyway!!

                                      (Also, "40% to 67%" ≠ "67%" but that's another story!)

                                      By the way, where did that statistic come from?
                                      A preliminary report released by the Department of Health
                                      and Human Services in 09/2010 that a lot of people from one party ()
                                      jumped on and cited over and over again in an attempt to get
                                      rid of all the 'grandfather' regulations.

                                      Of course, even before that report was released by the HHC
                                      the regulations were already being questioned, for example
                                      because the word "significant" could mean as little as $5
                                      (which nobody really considers significant, do they!?) In fact, just
                                      two months later in 11/2010 a lot of those regulations
                                      were relaxed and staying grandfathered in was even more
                                      strongly protected that before.

                                      And yet, all of these years later, people who want to speak
                                      against Obama and his "selling Obamacare on a lie" are still
                                      quoting the same old statistics which were never actually accurate...

                                      Essentially, they are doing the exact same thing he has done--
                                      Repeating a half-truth over and over and over again.



                                      And this is my biggest concern about the Information Age.
                                      So much information is readily available, which is wonderful!
                                      But when a piece that sounds good is picked up and given
                                      false credibility, (originally by senators like Mike Enzi and later
                                      by pundits with major agenda such as Robert Laszewski),
                                      well, it makes me doubt everything I think I know!
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                                      • Profile picture of the author Midnight Oil
                                        Originally Posted by MikeTucker View Post

                                        However, the individual insurance market is always changing their policies (long before the new healthcare law was a gleam in Obama's eyes!) and has always had a naturally high turnover rate. Very few people out of that "40% to 67%" were going to have the same insurance 4 years later, anyway!!
                                        I understand. But we weren't promised that only a small percentage would lose their coverage. For some, four years is a lifetime.

                                        And the cancellations and such extend far beyond those very few people. But Harry Reid tells us that all of those stories are untrue. :rolleyes:

                                        Originally Posted by MikeTucker View Post

                                        By the way, where did that statistic come from?
                                        A preliminary report released by the Department of Health
                                        and Human Services
                                        Preliminary report. Interim report. It really doesn't matter. It shows that the promise being made as late as 2012/13 was known to be untrue at least as early as June 2010.

                                        Federal Register
                                        Vol. 75, No. 116
                                        Thursday, June 17, 2010
                                        Rules and Regulations
                                        page 17

                                        f. Impacts on the Individual Market

                                        The market for individual insurance is significantly different than that for group coverage. This affects estimates of the proportion of plans that will remain grandfathered until 2014. As mentioned previously, the individual market is a residual market for those who need insurance but do not have group coverage available and do not qualify for public coverage. For many, the market is transitional, providing a bridge between other types of coverage. One study found a high percentage of individual insurance policies began and ended with employer-sponsored coverage. More importantly, coverage on particular policies tends to be for short periods of time. Reliable data are scant, but a variety of studies indicate that between 40 percent and 67 percent of policies are in effect for less than one year. Although data on changes in benefit packages comparable to that for the group market is not readily available, the high turnover rates described here would dominate benefit changes as the chief source of changes in grandfather status.

                                        While a substantial fraction of individual policies are in force for less than one year, a small group of individuals maintain their policies over longer time periods. One study found that 17 percent of individuals maintained their policies for more than two years, while another found that nearly 30 percent maintained policies for more than three years.

                                        Using these turnover estimates, a reasonable range for the percentage of individual policies that would terminate, and therefore relinquish their grandfather status, is 40 percent to 67 percent. These estimates assume that the policies that terminate are replaced by new individual policies, and that these new policies are not, by definition, grandfathered. In addition, the coverage that some individuals maintain for long periods might lose its grandfather status because the cost-sharing parameters in policies change by more than the limits specified in these interim final regulations. The frequency of this outcome cannot be gauged due to lack of data, but as a result of it, the Departments estimate that the percentage of individual market policies losing grandfather status in a given year exceeds the 40 percent to 67 percent range that is estimated based on the fraction of individual policies that turn over from one year to the next.
                                        http://www.gpo.gov/fdsys/pkg/FR-2010...2010-14488.pdf
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                                        • Profile picture of the author Paul Myers
                                          Steve,
                                          Those aren't capitalist! And NO FLY is CERTAINLY common in socialist countries.
                                          Do you have any awareness of context at all? Do you even read what you're replying to?

                                          No, they're not "capitalist," but they happen in capitalist countries. Examples of the interference of government in individual freedoms in said nations. They were intended to illustrate a point which you appear to have missed: The very nature of government of any type is such that it curtails certain freedoms in order to establish the order needed to maintain a complex social structure.

                                          In a representative democracy, the people choose those restrictions, whether by direct vote or through the actions of their chosen proxies.

                                          Lawdie, Steve... Having a conversation when you're around is like reading from an encyclopedia in which the pages are shuffled at random. Lots of facts, but they often have absolutely nothing to do with the topic at hand.


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                                        • Profile picture of the author MikeTucker
                                          Originally Posted by Midnight Oil View Post

                                          I understand. But we weren't promised that only a small percentage would lose their coverage. For some, four years is a lifetime.

                                          And the cancellations and such extend far beyond those very few people. But Harry Reid tells us that all of those stories are untrue. :rolleyes:



                                          Preliminary report. Interim report. It really doesn't matter. It shows that the promise being made as late as 2012/13 was known to be untrue at least as early as June 2010.

                                          Federal Register
                                          Vol. 75, No. 116
                                          Thursday, June 17, 2010
                                          Rules and Regulations
                                          page 17

                                          **link deleted**
                                          First, please change the link... The bookmark is old and it forwarded me to another address where the PDF was automatically downloaded.

                                          Good resource, but still a bit annoying.


                                          Secondly, yep what a mess. But, from the PDF:

                                          "Reliable data are
                                          scant, but a variety of studies indicate
                                          that between 40 percent and 67 percent
                                          of policies are in effect for less than one
                                          year.29"

                                          29 Ibid.

                                          So really it is only referencing a previous study, not
                                          validating it as still being accurate. Both the claim of
                                          the Administration and the claim of how big the problem
                                          is are half-truths at best.

                                          Don't get me wrong, I'm thankful that you corrected
                                          me and pointed it out! To borrow from good ole' Ziggy,
                                          I would never hire an accountant that was "mostly honest"
                                          and when I came home from a trip, my wife never asked me
                                          if I was "mostly faithful".

                                          But I still can't help but feel like this was a case of
                                          people being blinded by the flashy guarantee and
                                          not paying attention to the fine print? And as pointed
                                          out most of the policies and plans were going to change
                                          anyway, and not always directly because of "Obamacare".
                                          I took my car to get the tires changed, and it wasn't
                                          the shop's fault that it was also time to change the oil.

                                          I might have liked that oil, and it served me well, but
                                          there is a better formula out there now. It is more
                                          expensive, but it is better for my vehicle and the
                                          environment and it's time to change anyway!
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                              • Profile picture of the author ThomM
                                [QUOTE=TimPhelan;9048212]I can guarantee those two words were never combined at the time our country was founded. Also, some of our most famous and important founding fathers had some very socialistic thoughts on how our economic system should work including property taxes, a form of social security, limited wealth, guaranteed minimum income for all etc...[/QUOTE]
                                They had a lot of different thoughts, so what?
                                What they decided on was a Constitutional Republic.
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                                • Profile picture of the author TimPhelan
                                  My point was that it's not accurate to say the founders were all some sort of laissez faire "pure capitalism" type guys as Gary seems to suggest. I realize we have a constitutional republic and have been pointing out that is a political term, not an economic one.

                                  Originally Posted by ThomM View Post

                                  They had a lot of different thoughts, so what?
                                  What they decided on was a Constitutional Republic.
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                                  • Profile picture of the author garyv
                                    Originally Posted by TimPhelan View Post

                                    My point was that it's not accurate to say the founders were all some sort of laissez faire "pure capitalism" type guys as Gary seems to suggest.
                                    Point out where I say that... You have a real problem with placing words in people's mouths so that you can place them into your prejudiced boxes. So point out where I say that they were all "some sort of laissez faire pure capitalists".

                                    To get back to the original post - The reason a single payer system will not work as well here as in other places is because our type of government and our economic system is completely different. To suggest otherwise - in my opinion - is a suggestion completely naive of reality. - Let me point out that I say "in my opinion" there. I'm allowed to it, and I anxiously and actually hopefully await for it to be proven wrong.
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                                    • Profile picture of the author TimPhelan
                                      Originally Posted by garyv View Post

                                      Point out where I say that... So point out where I say that they were all "some sort of laissez faire pure capitalists".
                                      I wasn't quoting you Gary. I was simply giving a brief synopsis of what you have been saying in this thread. Yes, you didn't actually say the founding fathers were all "some sort of laissez faire pure capitalists" but you certainly did say:

                                      * "To pretend that forms of government aren't built up around and for the purpose of forwarding specific types of economy is also a dangerous error of logic.

                                      We were setup as more of a "Capitalist Republic"."

                                      * "Personally I'm a huge believer in "pure" capitalism."

                                      * "Capitalism is a social system based on the principle of individual rights. Politically, it is the system of laissez-faire (freedom)."

                                      So how is my sysopsis of what you said off? The first quote above suggests you think our form of goverment was built around a certain economic system. Is that not your belief? I also get the feeling you believe the founding fathers who wrote the constitution and created this country believe in the economic system you like which you describe using words like "pure capitalism" and a systen of "laissez-faire". Am I wrong here? If so, I'm sure you can understand from seeing the three quotes I have above why I would write what I did.

                                      It's the same thing with my post regarding alternative medicine. I think I was pretty accurate in my response. Martin said "100% of those who sought 'alternative' treatments and therapies are now dead. 90% of those who followed the doctors' recommendations (however awful) are still alive." You responded:

                                      "I haven't interviewed enough people to know for sure honestly. But over here the treatments are limited, so it would be hard to get an accurate assessment.

                                      But have you asked everyone you know if they have cancer or not? Just wondering if some people you may know have cancer but have escaped detection, because that the side effects of using alternate methods many times are unnoticeable.

                                      And could it be that some of them lived a few years less, but were full of energy, kept their hair, and didn't throw up after every meal?

                                      From that post I took it you were saying Martin may be mistaken about how many of his friends benifited from alternative medicine. You asked him if he asked "everyone you know" if they have cancer as if to deminish his own personal story. Seriously. That's how it sounds to me. You then say side effects of alternative medicine "many times are unnoticeable" and that "it could be some of them" ( I'm guessing the ones on alternative medicine ) "lived a few years less, but were full of energy, kept their hair, and didn't throw up after every meal?"

                                      So again, I didn't quote you but gave my synopsis. If I was wrong how was I? Don't just say I have reading comprehension problems. ( You used that line twice by the way. )

                                      Gary, you assume I don't really pay attention to what you write but actually it's the opposite. That's why I referred to three different posts by you in one of my responses. I actually like debating with you because you do put some thought into it and are a pretty smart guy.
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                      • Profile picture of the author TimPhelan
                        I wonder the same thing Paul. What happened to that mind set in America? Some want to completely give up on public education for instance, calling it a failure. Well, I for one refuse to think we can't and won't do better. We could make the best healthcare system in the world if we all really wanted to get down and work at it. Keeping the status quo isn't acceptable in regards to our health care system. It's an embarassment that we rank so low when we are the leading economy in the world.

                        Originally Posted by Paul Myers View Post

                        I remember when the US refused to be second place to anyone, in anything. We didn't just assert that we could do better. We went out and bloody well did it, or at least gave it one hell of an effort.

                        What happened to that insistence on excellence rather than excuses?


                        Paul
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                      • Profile picture of the author Joe Mobley
                        Originally Posted by Paul Myers View Post


                        What happened to that insistence on excellence rather than excuses?


                        Paul
                        Many started insisting on entitlements instead of excellence.

                        Those same people give "equality" and "fairness" as their excuses.

                        Joe Mobley
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  • Profile picture of the author bizgrower
    Which is better ACA or Obamacare? lol

    ACA is pushing for more young people to sign up
    to support the older. Hmmm. Sounds like some other
    program - I can't remember which, Social something -
    that is soon bankrupt.

    A company I used to work for dropped the health care
    insurance altogether. COBRA was an unfeasible and expensive option.
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    • Profile picture of the author TLTheLiberator
      Originally Posted by bizgrower View Post

      Which is better ACA or Obamacare? lol

      ACA is pushing for more young people to sign up
      to support the older. Hmmm. Sounds like some other
      program - I can't remember which, Social something -
      that is soon bankrupt.

      A company I used to work for dropped the health care
      insurance altogether. COBRA was an unfeasible and expensive option.

      Social security will pay out full benefits for the next 25 or so years and needs a small tweak or two to keep it going forever.

      A friend of mine explained the young paying for SS this way...

      He was looking out for his grandparents and when he's old someone young in his family will be looking out for him.

      IMHO, in many ways the same goes for the ACA which the CBO (Congressional Budget Office) says...

      ... won't have any probs with funding and will save the federal gov about 100 billion per year verses what its spending now starting about the 11th year of the program.

      The rising cost of HC for the federal gov was a big looming budget problem and its one the ACA will deal with and without cutting back on senior benefits - according to the CBO.

      Will the ACA be a financial boondoggle for the nation?

      Not according to the CBO but everyone is entitled.
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      • Profile picture of the author seasoned
        Originally Posted by TLTheLiberator View Post

        Social security will pay out full benefits for the next 25 or so years and needs a small tweak or two to keep it going forever.
        It's not paying out full benefits NOW! Just go to their website, they tell you the average and max! They have ADMITTED it is a ponzi scheme! They even LIE!!!!!!! On the budget it says "TRUST FUND". To the american people they say "IT IS NOT A TRUST FUND"!

        A friend of mine explained the young paying for SS this way...

        He was looking out for his grandparents and when he's old someone young in his family will be looking out for him.
        Nice simple explanation. Did he through fertility, percentage of wage earners, and inflation into the mix?

        IMHO, in many ways the same goes for the ACA which the CBO (Congressional Budget Office) says...

        ... won't have any probs with funding and will save the federal gov about 100 billion per year verses what its spending now starting about the 11th year of the program.

        The rising cost of HC for the federal gov was a big looming budget problem and its one the ACA will deal with and without cutting back on senior benefits - according to the CBO.
        How can THAT be? The plan, WRITTEN INTO THE LAW, is to move people from the ACA to medicare, NOT te other way around. And why did they need all those years of "revenue", and the 750Billion, if it SAVES money?

        Will the ACA be a financial boondoggle for the nation?
        YEP! ALREADY STARTED

        Not according to the CBO but everyone is entitled.
        ACTUALLY, the CBO said it WOULD BE! Apparently they tweaked the talking points and over simplified some things, and now are back to blaming, etc... Kaiser says THIS:

        Explaining Health Care Reform: Risk Adjustment, Reinsurance, and Risk Corridors | The Henry J. Kaiser Family Foundation

        One thing I find telling is THIS explains the disparity between people getting insured, etc... Apparently they ARE given some lattitude until 2016. FIGURES! So the 2014 date *I* have been saying is the start, kaiser is saying is 2016. Of course with the carveouts and other delyas, WHO KNOWS. The fact is that it is making the future harder to predict. Also, using profits to cover losses is supposed to often be used HERE as it is elsewhere.

        And the blame is that a group wants to make sure the insurance companies can cover their losses. It is interesting that they bring up actuaries. Actuaries are there to determine what things shouldn't be covered(FORBIDDEN UNDER ACA), and the relative price(A reasonable gap is not allowed under ACA unless the healthy people pay a LOT MORE than their "fair share") So what do actuaries do with health insurance NOW!?!?!? SERIOUSLY, the ACA says their career is OVER here! The insurance company should make the higher premiums twice the lower, because that is the max allowed, and the low HIGH but hopefully "competitive". WHY? Because if they aren't double it will be WORSE for the healthier, and that may not be enough, so you have to raise the lower, ONCE. After that they can increase with inflation. I don't recall another metric.

        Affordable Care Act: High deductibles could pinch consumers - Chicago Tribune

        Steve
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        • Profile picture of the author TLTheLiberator
          Originally Posted by seasoned View Post

          It's not paying out full benefits NOW! Just go to their website, they tell you the average and max! They have ADMITTED it is a ponzi scheme! They even LIE!!!!!!! On the budget it says "TRUST FUND". To the american people they say "IT IS NOT A TRUST FUND"!



          Nice simple explanation. Did he through fertility, percentage of wage earners, and inflation into the mix?



          How can THAT be? The plan, WRITTEN INTO THE LAW, is to move people from the ACA to medicare, NOT te other way around. And why did they need all those years of "revenue", and the 750Billion, if it SAVES money?



          YEP! ALREADY STARTED



          ACTUALLY, the CBO said it WOULD BE! Apparently they tweaked the talking points and over simplified some things, and now are back to blaming, etc... Kaiser says THIS:

          Explaining Health Care Reform: Risk Adjustment, Reinsurance, and Risk Corridors | The Henry J. Kaiser Family Foundation

          One thing I find telling is THIS explains the disparity between people getting insured, etc... Apparently they ARE given some lattitude until 2016. FIGURES! So the 2014 date *I* have been saying is the start, kaiser is saying is 2016. Of course with the carveouts and other delyas, WHO KNOWS. The fact is that it is making the future harder to predict. Also, using profits to cover losses is supposed to often be used HERE as it is elsewhere.

          And the blame is that a group wants to make sure the insurance companies can cover their losses. It is interesting that they bring up actuaries. Actuaries are there to determine what things shouldn't be covered(FORBIDDEN UNDER ACA), and the relative price(A reasonable gap is not allowed under ACA unless the healthy people pay a LOT MORE than their "fair share") So what do actuaries do with health insurance NOW!?!?!? SERIOUSLY, the ACA says their career is OVER here! The insurance company should make the higher premiums twice the lower, because that is the max allowed, and the low HIGH but hopefully "competitive". WHY? Because if they aren't double it will be WORSE for the healthier, and that may not be enough, so you have to raise the lower, ONCE. After that they can increase with inflation. I don't recall another metric.

          Affordable Care Act: High deductibles could pinch consumers - Chicago Tribune

          Steve
          That's not what the CBO said.

          You're entitled to your own opinions but not your own facts.

          All the doom and gloom predictions, speculations and projections have not panned out and an onslaught of slick outright lies and half truths have been promulgated since the beginning of the ACA trying to confuse the public and make the law fail.

          I'm not sure I'd trust the health insurance companies for the time of day and I'm also in favor of them being slowly but surely removed from the equation.

          Even with all the ACA problems its still way better than what we had for the vast majority of the American people and the federal govt's HC related financial situation.
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        • Profile picture of the author Kay King
          Not according to the CBO but everyone is entitled.
          It's not about "entitled" - the facts are there and looking them up isn't hard. CBO is used when it suits one side or the other - and dismissed when it doesn't match the rhetoric. But number are numbers.

          Feb 2014
          The Congressional Budget Office released a major study of the government’s budget and its effect on the overall economy over the next 10 years. In dull bureaucratic language, it delivers a devastating analysis of the inefficiencies, ineffectualities and problematic social costs of ObamaCare.


          The one-two punch: Virtually as many Americans will lack health coverage in 10 years as before the law was passed — but 2 million fewer will be working than if the law hadn’t passed.


          One killer detail comes on Page 111, where the report projects: “As a result of the ACA, between 6 million and 7 million fewer people will have employment-based insurance coverage each year from 2016 through 2024 than would be the case in the absence of the ACA.”
          Last May the CBO prediction for cost of ACA was less than one trillion - now the CBO prediction of cost is more than 2 trillion.

          And it's part of a bigger picture and a looming problem. We just increased the debt ceiling - now we're told it will be reached again by June 2014.

          The U.S. National Debt Will Double to $34.0 trillion at Current Pace | EconMatters

          We can't afford to run an open credit line for health care or anything else. We need to know how many people are COVERED by insurance through the ACA and how many signups are free Medicaid. Govt tracks everything and hands out statistic like candy - and we are to believe govt doesn't know numbers on the signups to ACA?

          http://www.cbo.gov/publication/44176
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          • Profile picture of the author MikeAmbrosio
            Originally Posted by Tim_Carter View Post

            Glad it all worked out. But how many people can't afford the hendful of $25 payments and the $427 etc, etc? Lots of people and that stops them from getting treated. Not an issue in our system. The quality of care is on par.

            And you don't wipe everything out and hand it to the government. Healthcare is run by doctors who make medical decisions (not insurance companies). The governments only role is to pay the costs instead of insurance and the patient. I think this is where people don't get it.
            Originally Posted by MikeAmbrosio View Post

            And in this country, we have a government that likes to meddle in our lives because they "know better" than we do. In our country, doctors don't run health care. The insurance companies and the government does - and the government, if they take it over completely, will most likely make a bigger mess of things. One only has to look at their track record...
            Originally Posted by Kay King View Post

            Feb 2014
            The Congressional Budget Office released a major study of the government’s budget and its effect on the overall economy over the next 10 years. In dull bureaucratic language, it delivers a devastating analysis of the inefficiencies, ineffectualities and problematic social costs of ObamaCare.


            The one-two punch: Virtually as many Americans will lack health coverage in 10 years as before the law was passed — but 2 million fewer will be working than if the law hadn’t passed.


            One killer detail comes on Page 111, where the report projects: “As a result of the ACA, between 6 million and 7 million fewer people will have employment-based insurance coverage each year from 2016 through 2024 than would be the case in the absence of the ACA.”
            Last May the CBO prediction for cost of ACA was less than one trillion - now the CBO prediction of cost is more than 2 trillion.

            And it's part of a bigger picture and a looming problem. We just increased the debt ceiling - now we're told it will be reached again by June 2014.

            The U.S. National Debt Will Double to $34.0 trillion at Current Pace | EconMatters
            Tim - this is the point I was trying to make of why I think what works well for you in Canada doesn't stand a hope in hell here in our current political climate.

            Too much money is at stake. People love to talk about evil capitalism ruining things in the name of greed (which has its merits) but totally refuse to see that our government has turned itself in to a "for profit" entity.

            ACA is nothing more than another "fund" they can draw from when it suits their need - like they do with SS. Give them carte blanche (via single payer model) and forget it.

            But I am not without hope. There are still good people working to fix things.
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            • Profile picture of the author Tim_Carter
              Oh, I am sure you are right. I was just giving an example of how our system works. There are better systems; France for instance.

              Insurance companies have a lot to lose, and thus I am sure you will always be stuck with them, adding that extra profit layer to your costs. It would be a massive overhaul that probably would never happen. As I see it the quality of your care for those that can get it is first rate. It just needs to be available to everyone that needs it.

              But I wonder why should insured individuals be paying anything? Insurance companies should carry the whole burden. And the rates I have been reading are alarming. $500 up per month. Yikes. We pay nothing for insurance. Our insurance carries the full load of the costs. You system seems overly complicated.

              When we travel to the USA we buy travel insurance so in the event of an accident we don't get wiped out.

              Ever seen Michael Moore's Sicko? Man that was amazing. Many Americans see him as anti-American, but in my view he sees things wrong and gives examples of how to fix them.

              Anyway - I have nothing further to add. I was just giving my perspective as an outsider looking in. Hopefully there will be some positive changes.

              Originally Posted by MikeAmbrosio View Post

              Tim - this is the point I was trying to make of why I think what works well for you in Canada doesn't stand a hope in hell here in our current political climate.

              Too much money is at stake. People love to talk about evil capitalism ruining things in the name of greed (which has its merits) but totally refuse to see that our government has turned itself in to a "for profit" entity.

              ACA is nothing more than another "fund" they can draw from when it suits their need - like they do with SS. Give them carte blanche (via single payer model) and forget it.

              But I am not without hope. There are still good people working to fix things.
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              • Profile picture of the author seasoned
                Originally Posted by Tim_Carter View Post

                Insurance companies have a lot to lose, and thus I am sure you will always be stuck with them, adding that extra profit layer to your costs. It would be a massive overhaul that probably would never happen. As I see it the quality of your care for those that can get it is first rate. It just needs to be available to everyone that needs it.
                The problem is the government has a LOT to gain, and THEY add "profit layers" ALL OVER! HECK, part of the ACA is a TAX on medical devices and supplies. That instantly means BASE costs will go UP!!!!!! And the lower the level of the taxes, the more "profit layers" it will affect, so they WILL tack on MORE profit!

                But I wonder why should insured individuals be paying anything? Insurance companies should carry the whole burden. And the rates I have been reading are alarming. $500 up per month. Yikes. We pay nothing for insurance. Our insurance carries the full load of the costs. You system seems overly complicated.
                Yeah, it IS too complicated. I mentioned that before here, and it IS one of my pet peaves. The "copay"(Really a misnomer, it is a charge to initiate a session with a "healthcare entity". It is typically like $20-$50 for the lowest level, $20-$150 for a specialist, and maybe like $50 into the hundreds for an emergency room) MINE, for example, is $20/$40/$150. I dislike this, but if everyone has to pay something it DOES lower visits and mean all have better access. There is then the deductible. That is usually maybe $500 to sky high. The old average may have been in the low thousands. Until you go over it, the insurer pays NOTHING. AGAIN, it DOES lower visits, etc...
                After that, there is the percentages. HEY, the more they pay on average, the higher the premium has to be. It has to come from SOMEWHERE! Even for YOU! It isn't free! You simply don't see the bill, and pay higher taxes.

                When we travel to the USA we buy travel insurance so in the event of an accident we don't get wiped out.
                Americans have to do the same thing traveling to Mexico.

                Ever seen Michael Moore's Sicko? Man that was amazing. Many Americans see him as anti-American, but in my view he sees things wrong and gives examples of how to fix them.
                I have seen THAT one, and maybe all of moores others. He sees nothing more than most others, and I haven't seen him present a valid solution yet!

                Just today I saw a video stating the US has the 3rd highest rate of murder in the world!

                According to MOORE'S theories, if you remove just 4 cities:

                wash dc
                chicago
                new orleans
                detroit

                the US should be FAR FAR ****FAR**** more dangerous!

                So where is it at THEN? The fourth LOWEST rate of murder! And those 4 ARE known for having a LOT of violence. if we removed LAC and NYC, the US might be the SAFEST place. They are only on the periphery of moores theory though.

                So I guess his theories STINK!

                Steve
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              • Profile picture of the author MikeAmbrosio
                Originally Posted by Tim_Carter View Post

                Oh, I am sure you are right. I was just giving an example of how our system works. There are better systems; France for instance.

                Insurance companies have a lot to lose, and thus I am sure you will always be stuck with them, adding that extra profit layer to your costs. It would be a massive overhaul that probably would never happen. As I see it the quality of your care for those that can get it is first rate. It just needs to be available to everyone that needs it.

                But I wonder why should insured individuals be paying anything? Insurance companies should carry the whole burden. And the rates I have been reading are alarming. $500 up per month. Yikes. We pay nothing for insurance. Our insurance carries the full load of the costs. You system seems overly complicated.

                When we travel to the USA we buy travel insurance so in the event of an accident we don't get wiped out.

                Ever seen Michael Moore's Sicko? Man that was amazing. Many Americans see him as anti-American, but in my view he sees things wrong and gives examples of how to fix them.

                Anyway - I have nothing further to add. I was just giving my perspective as an outsider looking in. Hopefully there will be some positive changes.
                I think people fail to take in to consideration that systems like yours and Frances fund FAR fewer people than what we have here. That makes a big difference.

                As far as the care being available to those who can't afford it, well many can (hence the reason for telling my mothers story). People in our country tend to lean towards "I'm entitled..." to the point where they not only want free health care, but they don't want to have to put in any effort at securing it. Using my mothers case, she got all that free health care because my sisters pounded the pavement to get it for her.

                We have groups here that would have you believe that poor people CAN'T get health care. I am not saying 100% could - but many can if they put forth the effort.

                As a self-employed family man if I could get good health insurance for ONLY $500 a month I would be happy. If I had to carry coverage I'd be looking at between $1200 and $1600 a month. Right now, my wife works so we're covered under her. But her job is ending next year so we have to look for options. Frankly, I can get cheaper and better coverage privately than the options we were finding on HC.gov, so I still don't see any advantage to government health care.

                Well, all I know for sure is that this is a highly complex issue and contrary what talking heads want you to believe, there is no solution that will make everyone happy.

                As for Moore, he makes some good points, but he also works hard pushing his agenda, which doesn't help get his message out. I have not heard him called UN-American - but I do hear "crackpot" pretty often.
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                • Profile picture of the author Tim_Carter
                  Originally Posted by MikeAmbrosio View Post

                  I think people fail to take in to consideration that systems like yours and Frances fund FAR fewer people than what we have here. That makes a big difference.
                  Our per capita cost is half. If we were a nation of 300 million rather than 30 million we would have ten times the tax base, thus still the same per capita cost (relatively).
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                  • Profile picture of the author garyv
                    Originally Posted by Tim_Carter View Post

                    Our per capita cost is half. If we were a nation of 300 million rather than 30 million we would have ten times the tax base, thus still the same per capita cost (relatively).

                    But that doesn't take into consideration that a larger system becomes more cumbersome - and much easier to introduce fraud and inefficiencies.
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                    • Profile picture of the author Tim_Carter
                      Originally Posted by garyv View Post

                      But that doesn't take into consideration that a larger system becomes more cumbersome - and much easier to introduce fraud and inefficiencies.
                      Actually, we already have fraud and departments that deal with it. I expect that with a larger population we would actually have a lower per-capita cost as the
                      the capacity of the system does not particularly have to grow at the same rate as the population increase across the board.

                      We have a similar system to the UK, which is over double our size, but they spend far less per capita, as do the other nations with a bigger population and a similar socialized health system.
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                      • Profile picture of the author seasoned
                        Originally Posted by Tim_Carter View Post

                        Actually, we already have fraud and departments
                        yep

                        that deal with it.
                        NOPE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

                        I expect that with a larger population we would actually have a lower per-capita cost as the
                        the capacity of the system does not particularly have to grow at the same rate as the population increase across the board.
                        What IS the capacity? until they get serious, the cost SKYROCKETS with the load because there is the FIRST PHASE, added fraaud won't be caught. There is then the second phase where people, realizing it isn't caught commit MORE fraud!

                        We have a similar system to the UK, which is over double our size, but they spend far less per capita, as do the other nations with a bigger population and a similar socialized health system.
                        Yeah, I guess the UK is better here. What WE have is so bad that they have not only done shows on IT, but a news program did a show on a company making a lot of money selling a course to health care providers telling how to get away with more fraud!

                        https://www.youtube.com/watch?v=g83a-mZyKjs

                        https://www.youtube.com/watch?v=mDvpnRw0NVM

                        https://www.youtube.com/watch?v=PRTKQZrGDBU


                        Steve
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                        • Profile picture of the author Tim_Carter
                          Originally Posted by seasoned View Post

                          yep


                          NOPE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

                          Steve
                          Remember, the fraud is only within the medical system (doctors). Individuals never submit a claim, so how can they defraud the system?
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                          • Profile picture of the author seasoned
                            Originally Posted by Tim_Carter View Post

                            Remember, the fraud is only within the medical system (doctors). Individuals never submit a claim, so how can they defraud the system?
                            HUH!?!?!?!?!?

                            You have it BACKWARDS!!!!!! FRAUD is where there is a conspiracy or collusion or a claim IS made that is incorrect!

                            Individuals IN THEORY can't submit claim, but sometimes they DO authorize one for a kickback or some kind of benefit. Believe it or not, there are ACTUALLY people that go on the street and coral drivers to try and cause an auto accident with THEM!!! They COULD END UP DEAD! WHY? Because they could end up getting a lot of money! Esurance &ndash; Car Insurance Fraud: Staged Car Accidents MOST medicare fraud is by SUPPOSED "medical professionals" though!

                            But WHO CARES who does it? It is STILL expensive!

                            Steve
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                            • Profile picture of the author Tim_Carter
                              Originally Posted by seasoned View Post

                              HUH!?!?!?!?!?


                              Individuals IN THEORY can't submit claim, but sometimes they DO authorize one for a kickback or some kind of benefit. Believe it or not, there are ACTUALLY people that go on the street and coral drivers to try and cause an auto accident with THEM!!! They COULD END UP DEAD! WHY? Because they could end up getting a lot of money! Esurance &ndash; Car Insurance Fraud: Staged Car Accidents MOST medicare fraud is by SUPPOSED "medical professionals" though!
                              Steve
                              Huh? What has this to do with health care fraud? This used to be a problem with insurance fraud, but here there has been a cap put on settlements put on accident claims that is pretty low. Can't remember but something like 2k. Since we have universal health care you can't sue for medical costs. And that is against auto insurance companies not the medical system. There is no money to be gained there.

                              The problems usually come from subtle smaller amounts like upcoding the procedure to a more expensive treatment. But there are checks and balances and they keep getting better. But it is a problem that every system will always have.

                              I don't buy the theory of Doctors and patients colluding for kickbacks here. I have never heard of a single case like that. But the patients have no idea what the doctor actually bills for since we never see any bill or statement.

                              Actually some of the fraud that goes on here is people getting a duplicate health card and selling it to someone (American) who lives near the border. Then the American person gets free healthcare by crossing the border. Problem is they can get the wrong, and sometimes fatal treatment because of wrong medical records and wrong treatments or meds because of that.

                              But it is getting harder to do with the introduction of smart health cards, electronic health records and computerized fraud detection.

                              Also, I have seen several big fraud cases where Canadian doctors defraud the American health system.

                              So, in conclusion, yes there is fraud, yes there is a system to minimize, and yea it will likely always add to the overall cost of healthcare. But having a bigger system does not increase the fraud exponentially.
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                              • Profile picture of the author seasoned
                                Originally Posted by Tim_Carter View Post

                                Huh? What has this to do with health care fraud? This used to be a problem with insurance fraud, but here there has been a cap put on settlements put on accident claims that is pretty low. Can't remember but something like 2k. Since we have universal health care you can't sue for medical costs.
                                DING DING DING!!!!!!!!!!!!!!! The US is NOT CANADA! One group here suggested that there be litigation reform, like you obviously have in canada. What does the other group say? "THEY NEVER PRESENTED PLANS"!!!!!!!!!!! It IS fact though since it has been on the NEWS, publicized everywhere, and even stated MANY times in CONGRESS! A number of things in congress are taped and/or shown live on national TV. THAT is how we get videos like THIS:

                                https://www.youtube.com/watch?v=FdiPHMPiJvE

                                Of course HERE is a news broadcast showing it:

                                https://www.youtube.com/watch?v=hV-DzuCPmXU

                                And that is against auto insurance companies not the medical system. There is no money to be gained there.
                                YEP, just showing how people take such risks, etc....

                                The problems usually come from subtle smaller amounts like upcoding the procedure to a more expensive treatment. But there are checks and balances and they keep getting better. But it is a problem that every system will always have.
                                AGAIN, WE AREN'T CANADA.

                                SOME are upcoding. SOME are kind of cross coding. And SOME are entering codes for things like people long dead, or treatments the patient wasn't even there for!

                                I mean it is AMAZING what they have gotten away with.

                                I don't buy the theory of Doctors and patients colluding for kickbacks here. I have never heard of a single case like that. But the patients have no idea what the doctor actually bills for since we never see any bill or statement.
                                It's happened in the US. It has usually been found by auditors, often private. I wish I could remember the persons name, but there was one person SO upset by being charged so much that, after examining HER bills, she started a business where she examines other peoples bills. And she would ask if tey are taking such and such a drug, had a certain surgery, been in a CRT, etc... and she catches stuff they might not ever know.

                                Actually some of the fraud that goes on here is people getting a duplicate health card and selling it to someone (American) who lives near the border. Then the American person gets free healthcare by crossing the border. Problem is they can get the wrong, and sometimes fatal treatment because of wrong medical records and wrong treatments or meds because of that.
                                SEE, I never heard of THAT! The canadian could be in trouble ALSO, because of things getting switched the OTHER way. In the US, many people HAVE gotten treated under the same SSN number though, so it might be similar.

                                But it is getting harder to do with the introduction of smart health cards, electronic health records and computerized fraud detection.
                                The computer industry has a term... GIGO! Garbage IN Garbage OUT!

                                Also, I have seen several big fraud cases where Canadian doctors defraud the American health system.
                                YEP!

                                So, in conclusion, yes there is fraud, yes there is a system to minimize, and yea it will likely always add to the overall cost of healthcare. But having a bigger system does not increase the fraud exponentially.
                                Maybe not as a percentage of cases, but it DOES as a total of costs, especially with FAR sicker people added to the pools!

                                Steve
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                • Profile picture of the author Tim_Carter
                  Originally Posted by MikeAmbrosio View Post

                  As for Moore, he makes some good points, but he also works hard pushing his agenda, which doesn't help get his message out. I have not heard him called UN-American - but I do hear "crackpot" pretty often.
                  That is true - he compares but offers no opinion as to how to fix it. Some of our American friends think he is anti-American
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          • Profile picture of the author TLTheLiberator
            Originally Posted by Kay King View Post

            It's not about "entitled" - the facts are there and looking them up isn't hard. CBO is used when it suits one side or the other - and dismissed when it doesn't match the rhetoric. But number are numbers.

            Feb 2014
            Last May the CBO prediction for cost of ACA was less than one trillion - now the CBO prediction of cost is more than 2 trillion.

            And it's part of a bigger picture and a looming problem. We just increased the debt ceiling - now we're told it will be reached again by June 2014.

            The U.S. National Debt Will Double to $34.0 trillion at Current Pace | EconMatters

            We can't afford to run an open credit line for health care or anything else. We need to know how many people are COVERED by insurance through the ACA and how many signups are free Medicaid. Govt tracks everything and hands out statistic like candy - and we are to believe govt doesn't know numbers on the signups to ACA?

            CBO
            #1: You're mixing apples with oranges again Kay.

            The dude doesn't even say when the national debt will reach 34 trillion.

            At 500 billion per year added, it'll take at least 30 more years to reach 34 trillion.

            In 2009 the yearly deficit was 1.4 trillion. At the end of 2014 it will be about 525 billion.

            Notice a downward trend?

            Newsflash: We're not running trillion dollar yearly deficits anymore.

            When the yearly deficit goes further down in the upcoming years - it'll take even longer than the 30 years to reach 34 trillion.

            For example if the yearly deficit goes down to 250 billion per year - say in a couple of years, and stays around there forever, it'll take like 60 years to double that 17 trill we have now.

            The 34 trillion is a ridiculous big number thrown out to alarm people and it ignores the current trend with the yearly deficit.

            When the economy turns the corner (like when your friends stop the obstructing it) the growth in the national debt will be arrested - way before 34 trillion.

            Your friend that wrote the report once again simply engages in a bunch of negative what ifs - and harps on worst case scenarios.

            I guess until we actually wipe out the entire national debt (which won't happen for quite some time)...

            ...some people like yourself will continue to use it as an excuse to not invest in the country or the people of the country by claiming we can't afford it - because of the national debt



            On to the CBO and the ACA...


            You typed or copied and pasted...

            The one-two punch: Virtually as many Americans will lack health coverage in 10 years as before the law was passed — but 2 million fewer will be working than if the law hadn’t passed.


            I say...

            That may be true regarding the number of Americans without health insurance -...

            ...but thanks to the ACA, Americans that have health insurance have a new level of HC benefits and protections Americans never had before putting us on the same footing with the citizens of most other industrialized nations.

            Some people seem to want to ignore that major fact and are very flippant when it comes to the living standards of the American people.

            They don't seem to have a problem with Americans suffering or being abused in the name of some mythical super free market and would rather go back to what we had before the ACA.


            Regarding 2 million fewer jobs because of the ACA...

            I thought I explained this to you before when the CBO issued a report and your folks went wild with yet another phony lie/half truth about the effects of the ACA.


            FYI...

            Its actually the equivalent of 2 million job working hours that people will opt out of because of the ACA.

            Understand, the jobs will still be there for other people but because of the ACA some people will opt to not for example work a second job just because of the need for insurance.

            I personally think that is a good thing for folks to have more choices in their lives.

            BTW... The head of the CBO was forced to testify before congress to clarify exactly what the report meant and he did not say 2 million jobs would be lost because of the ACA.

            Does that guy who wrote the report you referred to not understand that, or his he purposefully trying to mislead people into believing the ACA will cost the USA 2 million jobs?

            You also said...

            It's not about "entitled" - the facts are there and looking them up isn't hard.

            CBO is used when it suits one side or the other - and dismissed when it doesn't match the rhetoric.

            But number are numbers.

            And you said something about the ACA really costing the fed govt 2 trillion.

            I say...

            Where are you or that dude getting your numbers?

            Where is that 2 trillion number in the CBO report?

            Did he even say that in his report? Because he did say this...

            "I have read so many different reports on the “true” cost of Obamacare, I can’t pinpoint a number."

            Where is this new scathing report at?

            That link you gave does nothing.


            BTW...

            If the ACA would cost the fed govt 2 trill per year or even over a ten year period your friends on the right would not have shut up about it since the new CBO report was issued.

            The synchronized hue and cry would have be worse than the one for Bengazi


            Is that guy also counting the revenue for the program or just the costs?

            I remember when the CBO came out with a report on the costs of the ACA - about a year ago, and for some reason included the revenue to the program on another page.

            Your folks went crazy with "I told you so glee" but just highlighting the costs of the program.

            But upon further investigation of the CBO report, people like yourself did not include the revenue to the program.

            Initially, the CBO projected a 10 billion surplus for the fed govt for the first 10 years and then revised it to a loss of 10 billion per year - for the first 10 years.

            Since some parts of the ACA have been pushed back another year the initial loss of 10 billion per year may be a tiny bit larger - like now it may be 15-20 billion per year for the first 10 years of the program.

            But after that the program would save the fed govt about 80-100 billion per year verses what it is spending now.

            Once again, show me the CBO report with the costs and revenue and show me where it says the net cost to the US govt will be minus 2 trillion per year or even 2 trillion over 10 years.

            That link you gave shows nothing of the sort.

            Updated Estimates of the Insurance Coverage Provisions of the Affordable Care Act - CBO here it says...

            "The current projections do not differ substantially from the most recent previous ones, which were released in May 2013."

            I repeat, ...

            ...if the new CBO report would have stated that the ACA would have net cost the fed govt. 2 trillion per year or even 2 trill over a 10 year period your friends would still be harping on it perhaps worse than they harped on Bengazi.



            You should stop mixing apples and oranges in order to make your points and take one issue at a time and maybe you won't be so easily confused.
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            • Profile picture of the author Kay King
              TL -

              The current point in the economy seems to be that we are going to run lower deficits in future years....a deficit it still a deficit.

              You really argue that $34 trillion in doesn't matter unless you know WHEN it would be reached? Whatever....

              At some point, the debt will be a problem. The higher it is, the greater the problem will be.

              Other than that - no reason to spar with you as your only goal in threads like this is to prove your side is right in everything. Takes the interest out of debate or discussion.
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              • Profile picture of the author Midnight Oil
                Originally Posted by TLTheLiberator View Post

                All the doom and gloom predictions, speculations and projections have not panned out and an onslaught of slick outright lies and half truths have been promulgated since the beginning of the ACA trying to confuse the public and make the law fail.
                Originally Posted by TLTheLiberator View Post

                I thought I explained this to you before when the CBO issued a report and your folks went wild with yet another phony lie/half truth about the effects of the ACA.
                I find it amusing that you continue to bring up the "lies and half truths" of those who either question or are in opposition to Obamacare while conveniently ignoring that the whole thing was sold on a lie.
                "If you like your doctor, you will be able to keep your doctor, period. If you like your health care plan, you'll be able to keep your health care plan, period."
                As you like to say, "you're entitled to your own opinions but not your own facts."
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                • Profile picture of the author TLTheLiberator
                  Originally Posted by Midnight Oil View Post

                  I find it amusing that you continue to bring up the "lies and half truths" of those who either question or are in opposition to Obamacare while conveniently ignoring that the whole thing was sold on a lie.
                  "If you like your doctor, you will be able to keep your doctor, period. If you like your health care plan, you'll be able to keep your health care plan, period."
                  As you like to say, "you're entitled to your own opinions but not your own facts."
                  The whole thing wasn't sold on that statement.

                  More than 95% of the people that had health insurance are able to keep their plan and doctor so you can harp on that statement by the POTUS as some super lie - if you like.

                  I could understand the harping if half the insured had to leave their plan or doctor or even 25% but less than 5%?

                  And the major reason why was...

                  Most of those people had really shitty rip-off plans that didn't even qualify for the basic policy requirements of an ACA plan. They were immediately offered a new plan from their HC company.

                  And they also were either given another year to stick with their shitty plans and then get new plans with slightly higher costs but they'd get a real policy etc.

                  In the big picture of things, it strikes me as pretty petty complaint but I'm not surprised after all - it is to be expected - the onslaught of the petty, the half truth and the outright lie.
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                  • Profile picture of the author seasoned
                    Originally Posted by TLTheLiberator View Post

                    The whole thing wasn't sold on that statement.
                    YEP, it WAS! It was the ONLY thing BO said EVERYWHERE ALL THE TIME! "YOU CAN KEEP YOUR ..... *******PERIOD*******!" Emphasis ******HIS******!

                    More than 95% of the people that had health insurance are able to keep their plan and doctor so you can harp on that statement by the POTUS as some super lie - if you like.
                    So you are saying that the last drop was against 120,000,000 policies? I'm confused about one thing....

                    120,000,000 <<< MINIMUM people you say were already affected..(I know the number is at LEAST 6 million, and you claim it is less than 5%)
                    170,000,000 <<< I read yesterday that MY group, saved for later, is THIS big!
                    30,000,000 <<< People who supposedly weren't covered because they are aliens, etc...

                    320,000,000

                    Okay, that leaves 10 million people in all the unions, amish, etc....? WHAT HAPPENED!?!?!?!?

                    NOW, as far as there being "shitty policies". You think it is BETTER for a person to have to pay 100% for chemo than being able to pay a far lower cost under her current policy(That WAS paying it)!?!?!?!? OK, what is YOUR idea of "shitty", and WHY do you think people want insurance? AGAIN, if it is simply to get a contract saying YOUR COVERED, I can do that and take care of everything MYSELF by the end of next week. HECK, for $100 a year I would be ECSTATIC! I'll even say I cover EVERYTHING(as long as you meet the deductible).

                    I could understand the harping if half the insured had to leave their plan or doctor or even 25% but less than 5%?

                    And the major reason why was...

                    Most of those people had really shitty rip-off plans that didn't even qualify for the basic policy requirements of an ACA plan. They were immediately offered a new plan from their HC company.

                    And they also were either given another year to stick with their shitty plans and then get new plans with slightly higher costs but they'd get a real policy etc.

                    In the big picture of things, it strikes me as pretty petty complaint but I'm not surprised after all - it is to be expected - the onslaught of the petty, the half truth and the outright lie.
                    Well, will YOU pay me the excess for the rest of my life, should I ever lose my current plan? I MAY lose it by august! My insurance company said they CAN'T tell me!!!!!

                    Steve
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                  • Profile picture of the author Midnight Oil
                    Originally Posted by TLTheLiberator View Post

                    The whole thing wasn't sold on that statement.
                    Seriously, TL? You live on a marketing forum and try to deny that isn't how it was marketed day in and day out to the American public?

                    You can't honestly say that it was sold on anything else because, as Pelosi said, "we have to pass the bill so you can find out what is in it."
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                    • Profile picture of the author Paul Myers
                      Steve,
                      How do you figure? More efficient means to do at LEAST the same with no more than the same effort and/or time and/or cost.

                      If the UK cost per capita is LESS than the US, that means the US is LESS EFFICIENT!
                      Ummm... Yeah. That was sort of the point.
                      I brought up that SAME point a few times in this thread.
                      As did several others, which is why I included the qualifying phrase "has been mentioned in this thread before."

                      You have an astonishing ability to inflate word count without any corresponding increase in relevant ideas or perspective, sir.

                      You are far from the only one to drag irrelevant points into this debate, sadly, whether here or in the larger arena. Most of the comparisons to free market issues are so far off the mark it's stunning.

                      A good example is your assertion that government-run insurance would be subject to fraud, because Medicare and Medicaid fraud exist. You seem to suggest this as an argument against any government-managed health care system, and ignore the enormity of the problem of fraud perpetrated in the private health care and insurance systems.

                      "It happens on both sides, but I'm only going to recognize the part that supports my argument" isn't an argument at all. It is nothing more than proof of an extreme level of confirmation bias.

                      It happens on both sides of the debate. That's not surprising, given some of the ridiculous things people have been led to believe about this issue by celebrity noisemakers who are more interested in sustaining an ideological pedestal than actually solving the question.


                      Paul
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                      • Profile picture of the author Paul Myers
                        Gary,
                        I would love if our system could work as well as what was described here, but our form of government is much different than what they have over there - which is why most of us are over here in the first place.
                        Actually, I'm here because I was born here. Probably true of most people who live in this country. I rather like the place, but that's irrelevant to the point.

                        The form of government involved is almost irrelevant. This is a financial and technological problem.
                        So the argument that "our" government can't do things more efficiently still stands. The example provided is a system that came from "their" government.
                        So, your point is that the status quo is okay, because we are, collectively, too stupid to learn from people who've already made improvements in how something is delivered?

                        That IS what you suggested there. I'm just trying to ascertain whether you're willing to come right out and say it in bald terms.
                        Which is why to be most efficient, you need either a more pure socialist healthcare system, or a more pure capitalist healthcare system.
                        Given the hostage situation in health care, I think we need a new term that applies just to this issue. Maybe "populist," meaning, "for and of the people."
                        And since we are a Republic it has always been my contention that if given the choice, it should be a capitalist system.
                        Balderdash. Do you happen to recall what the 'R' in USSR stood for? What does North Korea call itself? Or China?

                        Words should have commonly accepted meanings. Assigning them your own connotations and assuming everyone else will share them is not a useful method of communication. It is, nonetheless, a common one.


                        Paul
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                      • Profile picture of the author MikeTucker
                        Originally Posted by seasoned View Post

                        The current government probably doesn't have many that could even operate an oven, let alone follow a betty crocker cookbook, or balance their OWN checkbook. So I don't want to trust them with ANY aspect of my life!

                        I HAVE mentioned things, EVEN HERE that WOULD lower healthcare costs. I wish they would do THEM, instead of trying to gut the whole thing.

                        And this "oh, it is a SHITTY plan" excuse? Let me boil down a REAL example! It is like you are in a restroom, you have trouble breathing, and someone just "farted". A nearby "friend" says "OH, this is HORRIBLE! You should wait until we are in CLEAN air to breath!" They put a plastic bag snugly around your head, so you will "be comfortable". They meet a friend, talk a few minutes and get you to a better area. They remove the bag. "OK, you can breath now!" they tell you. OK, you're dead, I guess you had too much trouble breathing.

                        SERIOUSLY? You cut a person off from their hospital and doctor in the middle of a course of treatment and say "Well, it was a shitty plan"!?!?!? It may not have been the best, like that bad air, but it is still necessary!

                        Steve
                        I was nodding my head at a lot of what you said until you
                        got to this point... I just couldn't keep up with where
                        you are going with this?




                        Originally Posted by Paul Myers View Post


                        You have an astonishing ability to inflate word count without any corresponding increase in relevant ideas or perspective, sir.

                        You are far from the only one to drag irrelevant points into this debate, sadly, whether here or in the larger arena.

                        "It happens on both sides, but I'm only going to recognize the part that supports my argument" isn't an argument at all. It is nothing more than proof of an extreme level of confirmation bias.

                        It happens on both sides of the debate. That's not surprising, given some of the ridiculous things people have been led to believe about this issue by celebrity noisemakers who are more interested in sustaining an ideological pedestal than actually solving the question.

                        Paul
                        I can't help but think these are issues that a lot of people have.
                        I know I certainly do!!

                        Especially because some of those celebrities are so attractive!

                        Seriously though, it is a surprisingly difficult set of habits to break!
                        Example: In the specific case of dragging irrelevant points into a debate,
                        I think that people often attempt to compare and categorize things,
                        and they search for analogies.

                        I know I do that anyway, and often times they are terrible analogies,
                        but I don't realize it until I go back the next day and slap myself
                        on the forehead, wondering why on Earth I wrote that!?

                        The solution (I think? )is to stop thinking of it as a "debate", and more
                        like a Think Tank, working on a solution? But that's difficult to
                        remember in the midst of a conversation with so many emotional
                        triggers.
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                    • Profile picture of the author TLTheLiberator
                      Originally Posted by Midnight Oil View Post

                      Seriously, TL? You live on a marketing forum and try to deny that isn't how it was marketed day in and day out to the American public?

                      You can't honestly say that it was sold on anything else because, as Pelosi said, "we have to pass the bill so you can find out what is in it."

                      Mike Tucker questions that statement also, so I'm not the only one.

                      See below.
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                • Profile picture of the author MikeTucker
                  Originally Posted by Martin Avis View Post

                  Paul has asked me if I'd like to comment in this thread from a UK perspective - and from the point of view of someone who has seen more than his fair share of doctors and hospitals lately!

                  I don't wish to get into the debate over what America should do - that's none of my business and I don't have the knowledge needed to be intelligent on the subject.

                  Here in the UK we have the National Health Service - an over-riding organisation that provides 'free healthcare for all'. Of course, it isn't really free - we pay for it in our taxes, but there is no charge at the point of delivery.

                  ...

                  When you need it you realise how damned good it is - and what a bargain our £2000 per head really is.

                  Martin
                  Wow, that actually is amazing.

                  And really, there is waste and "loss" in every system, isn't there?
                  So long as corruption is aggressively stopped, it seems to me
                  (in my limited knowledge) that the NHS is doing a brilliant job.

                  And the more I think about it, something like that could work
                  here in the US, if we would demand it of our politicians?



                  Originally Posted by Midnight Oil View Post

                  I find it amusing that you continue to bring up the "lies and half truths" of those who either question or are in opposition to Obamacare while conveniently ignoring that the whole thing was sold on a lie.[INDENT] "If you like your doctor, you will be able to keep your doctor, period. If you like your health care plan, you'll be able to keep your health care plan, period."
                  I'm not sure it was "sold" on that single line... Really, there were
                  quite a few points that "sold" it.

                  As for this specific one, I'm not "sold" on the idea that it was an
                  intentional lie. I think the most that can be proven is that it was
                  an oversight, and an ignorant mistake.

                  The 12M people that were losing their insurance even though they
                  wanted to keep it was due to the rule that if they "recently" increased
                  their pricing for that specific plan by a "significant" amount, even
                  if it was because of inflation in medical supplies or other costs,
                  then the specific plan would have to be phased out within a
                  very short period of time.

                  The problem is that the language of the bill defined "significant"
                  as "anything more than $5" and "recent" as... I don't remember,
                  either 1 year or 3 years?

                  I know people who read Legalese for a living and missed that...
                  I'm not sure that the Administration purposely "lied" about it,
                  and I'm sure that they thought what there were saying at the time
                  was true, based on other parts of the bill which were designed
                  to help people keep what they had in many cases. In any case,
                  I'm all for "Innocent until proven guilty" so unless someone has
                  actual evidence that they purposely, knowingly lied about
                  that detail and the consequences, I'm giving them the
                  benefit of the doubt (on this one issue.)

                  Also, consider that the Administration attempted to take steps to correct
                  that retroactively-- AND the fact that not all of those changes
                  were passed is the result of them being blocked by an entirely
                  different political entity, who instead chose to try to "repeal"
                  the entire bill rather than helping to improve something already
                  in place (even though they had absolutely zero chance of
                  repealing it, that is how they spent their time and billions
                  of our taxpayer dollars.)

                  ^^I know that's a dicey statement here and it seems loaded in this forum,
                  but I promise I will happily attack all political parties for this
                  horrible manner of behavior! Quite a few individuals and groups
                  from both major parties engage in this waste time and again,
                  and quite frankly sometimes I just want to vote them all out
                  and start over!


                  Finally, many people are losing their insurance for completely
                  different reasons. Remember, insurance companies have
                  always been changing their rules and plans, quite frequently
                  in fact. Many people these days automatically blame the
                  healthcare bill for things it has nothing to do with, and their
                  insurance company has no incentive to correct them.
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              • Profile picture of the author TLTheLiberator
                Originally Posted by Kay King View Post

                TL -

                The current point in the economy seems to be that we are going to run lower deficits in future years....a deficit it still a deficit.

                You really argue that $34 trillion in doesn't matter unless you know WHEN it would be reached? Whatever....

                At some point, the debt will be a problem. The higher it is, the greater the problem will be.

                Other than that - no reason to spar with you as your only goal in threads like this is to prove your side is right in everything. Takes the interest out of debate or discussion.
                If we're going to reach 34 trill in about 60 years from now - how is that a big concern?

                Another of my main points is that you and others are harping on the big number of the national debt and ignoring the trends using it as an excuse to not invest in America or our people because the national debt is so large etc.


                My major economic point:

                This country will never become anything close to what is was economically if your attitudes are allowed to take control because your philosophy won't allow us to make the necessary investments in the nation or the people.

                I don't have to be right on everything but I'm sure we're not going to get there with the economic philosophy you, seasoned and ThomM espouse.

                Oh, I forgot GavyV and Mike Am.

                Logistically it can't happen.
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                • Profile picture of the author seasoned
                  Originally Posted by TLTheLiberator View Post

                  If we're going to reach 34 trill in about 60 years from now - how is that a big concern?
                  It will be a concern if we hit it tomorrow, or a million years from now! SURE, we will probably hit it eventually. Going the way we are going, I figure we will likely hit it by 2030. We have to take into account new variable changes, the rate hike that will soon hit, inflation, etc...

                  But HOW could we ever hit it? SERIOUSLY, the society would be HORRIBLE if we had that many people! The land likely WON'T get any larger. So the two major drivers are debt and inflation. BOTH lead to inflation. I should have made enough in my life to retire now with a nice upper middle class retirement. But because of the taxes and inflation, that is not the case.

                  Another of my main points is that you and others are harping on the big number of the national debt and ignoring the trends using it as an excuse to not invest in America or our people because the national debt is so large etc.
                  Maybe because we are looking at the bigger picture. HEY, even congress has pointed to: U.S. National Debt Clock : Real Time


                  This country will never become anything close to what is was economically if your attitudes are allowed to take control because your philosophy won't allow us to make the necessary investments in the nation or the people.
                  Worked every time tried. But you just want the government to have all the money, and companies. You know, there IS a name for that type of government.

                  Logistically it can't happen.
                  See above.

                  Steve
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                  • Profile picture of the author TLTheLiberator
                    Originally Posted by seasoned View Post

                    It will be a concern if we hit it tomorrow, or a million years from now! SURE, we will probably hit it eventually. Going the way we are going, I figure we will likely hit it by 2030. We have to take into account new variable changes, the rate hike that will soon hit, inflation, etc...

                    But HOW could we ever hit it? SERIOUSLY, the society would be HORRIBLE if we had that many people! The land likely WON'T get any larger. So the two major drivers are debt and inflation. BOTH lead to inflation. I should have made enough in my life to retire now with a nice upper middle class retirement. But because of the taxes and inflation, that is not the case.



                    Maybe because we are looking at the bigger picture. HEY, even congress has pointed to: U.S. National Debt Clock : Real Time




                    Worked every time tried. But you just want the government to have all the money, and companies. You know, there IS a name for that type of government.



                    See above.

                    Steve
                    Society would be horrible if your economic ideas are allow to take control.
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                    • Profile picture of the author seasoned
                      Originally Posted by TLTheLiberator View Post

                      Society would be horrible if your economic ideas are allow to take control.
                      I know YOU would consider it that way because there would be less freestuff, and you guys try so hard to change it.

                      Steve
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                      • Profile picture of the author TLTheLiberator
                        Originally Posted by seasoned View Post

                        I know YOU would consider it that way because there would be less freestuff, and you guys try so hard to change it.

                        Steve

                        Bottom line with your economic philosophy...

                        More poor people and a lot less middle class people. Economic life for the average American will be much more precarious than it is now.

                        Corporation would be turned loose on the American people even more than they are now.

                        Shitter retirements, probably more wars, more racial strife, and a shitty 20th century infrastructure.
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                        • Profile picture of the author seasoned
                          Originally Posted by TLTheLiberator View Post

                          Bottom line with your economic philosophy...

                          More poor people and a lot less middle class people. Economic life for the average American will be much more precarious than it is now.

                          Corporation would be turned loose on the American people even more than they are now.

                          Shitter retirements, probably more wars, more racial strife, and a shitty 20th century infrastructure.
                          Don't know how you figure. "my philosophy" does have a bit of a real record in the US.

                          There would probably be FEWER poor people, and certainly fewer freeloaders. More middle class. LESS precarious! For ONE, far lower inflation. You used to be able to SAVE for a car or a home. NOW, GOOD LUCK!

                          Actually, I am a strong believer in the Anti Trust act. Bill gates wouldn't be as rich. Warren buffet wouldn't be as rich. The banks wouldn't be "too big to fail".

                          BETTER retirements! Haven't you seen what I have posted here? FEWER wars! LESS racial strife! Well, the 20th century infrastructure, if I had any say from he beginning, would have been BETTER! Existing things were torn out and some things were started that STILL aren't done.

                          But regarding retirement? If I retired when I hit 65, with current laws, I would make LESS than $2300/month or $27600/year.(SSA estimates) At least it is over what the US considers poverty, but not much of a retirement. And that is NOW, what about THEN? They ESTIMATE that this is $3,540.00 in inflation related numbers, and say this estimates an approximately 2.8% COLA. Which reminds me. I heard a seniors agency say how the minimum wage cola is higher. If it is higher, that is tantamount to giving older people an even LOWER cola, since it will increase inflation faster.

                          As for savings, inflation eats through THEM. I have to take risks to see benefit.

                          There have been wars I would not have gotten into. If the hostage crises were done as I wanted, we may have STILL gotten the hostages back, but have less trouble NOW. As it was then, and now, we don't look so great. Did you SEE the public back and forth between russia and the US? Maybe iran wouldn't even want the atomic bomb so much.

                          Steve
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  • Profile picture of the author seasoned
    BTW TL have YOU tried to check to see what insurance YOU could get from HC.G? Check out the premium, deductible, and the amount YOU are expected to pay. Go ahead, check ALL the plans.

    Then again, for all I know, you may be in a liberal state with its OWN system, that MIGHT be better, or get subsidies. BO said, ORIGINALLY, that the AVERAGE family would save an average of $2500 on the insurance. The INTENTIONAL IMPLICATION is that this is ONLY for people then covered, like I was, that paid for insurance, like I did. It would HAVE to be the same or better coverage!

    Let's face it, I could "insure" everyone on this planet! I will just make the deductible a $trillion. To be on the safe side, set the copay to $200. To be even SAFER, promise to pay .001% for in network, and 0% for out of network. I could give you a legally binding document, online access, etc... I could even charge $100/month which is less than most people here get their health insurance for! YEAH, I'VE DONE IT! From America to ZIMBABWE! Of course, it would be worthless! It isn't THAT far off from what I was offered on HC.G, but the HC.G DID cost a lot more.

    So YEAH, I haven't seen that. I have NEVER trusted the government, with ANY party. At this time, I trust it less than ever. If I trusted it, and Obama lived up to the public words about KEEP DOCTOR, HOSPITAL, TREATMENT, SAVE 2500, etc... I would be ECSTATIC. I would NOT be looking for failure. I think these failures are all planned.

    I said before it was even passed that they planned to destroy the insurance industry. I even said HOW! There are plans up front to standardize. Those that don't, won't be admitted!(DONE) They have plans to destroy financial control.(DONE) These NEVER affect the government, but DO affect the "caregivers". So some will leave.(DONE) They have a 5 year audit that will use new rules to knock out others. After that, there is ANOTHER 5 year audit that will likely knock out the rest. If a person can't get a plan, they are placed on medicare.(HAPPENING WITH SOME NOW) And THAT is the single payer they promised even before obama officially became a candidate. Medicare is NOT as great as you may think. And many that THINK they are on medicare AREN'T! They are on medicare ADVANTAGE that the government is PHASING OUT!

    Steve
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  • Profile picture of the author seasoned
    One more thing! Medicare has had a lot of fraud. Medicaid has had fraud. The VA has had fraud. To say drug companies are not controlled by the government is a LIE. The DEA and FDA deal even with ANACIN, and certainly with warfarin, etc... They have their hands in the pot, and a LOT of control.

    To say insurance companies are not controlled by the government is a LIE also! The FDA, probably the DEA, the Federal government(in MANY ways), AND the state insurance commissioners have a TON of control, AND their hands in the POT.

    So if the government can't handle their own stuff and can't handle agencies that try to handle things themselves and isolate it so well, then HOW could they hope to handle it ALL?!?!?!?

    Say you bought apple when Jobs was running it, and you were happy with it. Do you think you could tell jobs LOOK, I own the place, just keep going? SURE!!!!! You could watch the money roll in and do NOTHING! EASY!!!!! THAT is how the OLD insurance companies were. Running rather smooth, etc...

    Do you think you could just tell Jobs to get lost, and take over? SURE!!!! But having no real goals, or knowledge of how things work, you my find things start to collapse, customers may complain, etc.... THAT is kind of how it is NOW!

    Do you think you could fire all the project managers, and take over? SURE!!!! Things may be obliterated within a week. I mean even JOBS couldn't do that. THAT is how the government wants to end up! But we will be forced to pay, and may not have any place to buy a computer(er.... insurance) from!

    Now to be honest, the US government just wants to move the ACA into medicare, so it isn't QUITE the same as running a new insurance company, but we already know they have a bad track record. I have had many doctors that don't take medicare and/or are talking about getting out of it. AGAIN, medicare ADVANTAGE is a bit different, as INSURANCE companies handle the details, but that is being phased out.

    I swear, they really ARE changing a LOT of variables! HEY, I am a programmer, and it is basically like the scientific principle taught in school. Change AS FEW VARIABLES AS POSSIBLE! WHY? Because then you know WHAT affected what, and can easily recover if there is a problem. HERE, we are talking about DOZENS of variables changing wildly all over the place.

    You want an example? Just one TINY example? How about one from the CBO?

    Testimony on Increasing the Minimum Wage: Effects on Employment and Family Income - CBO

    This regards raising the minimum wage. It says raising the wage will likely raise some of their income above the poverty line(I COULD show how ANOTHER variable says that WON'T happen, but let's keep going) BUT that, with the desired level, 500K to 1MILLION more jobs will be lost. It further says that setting the minimum wage to $9.00/hour with NO COLA would have a similar effect but will have a loss of only 20% of the $10.10/hour with COLA.

    They CLEARLY didn't take into account how MANY of them have a reduced work week. Although they didn't mention the effect on inflation, their understanding IS implied by the talk about COLA.
    The graph CLEARLY shows how $9 would bring the lower 10% into PARITY with the lower 25%. They didn't talk about how boosting it higher would cause those in the 25% bracket to be more likely to demand raises, strike, etc....

    Anyway, you should understand how hours affect income(One variable that changed and likely will SOON). Minimum wage affects higher wages and inflation(Will likely change soon)). Inflation affects all of the above(changing). All of the above affects employment(changing). All of the above affects unemployment and welfare costs(changing). All of the above affects drug/medical device/medical supplies costs.(as if the new tax isn't enough!) All of the above affects healthcare costs(obviously changing). All of the above affects health insurance costs(obviously changing). All of the above affects what we PAY for health insurance(obviously changing). etc.....

    Steve
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  • Profile picture of the author serryjw
    We wouldn't need much changes to HC system if we didn't have the FDA is complicit with Monsanto. We are eating chemicals, HFCS & GMOs that are making us all sick. Think it is a coincidence that Type 2 diabetes is an epidemic and HFCS is in everything we eat. Solve our food problem and the majority of our HC sytem problems would be solved.
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  • Profile picture of the author Martin Avis
    Paul has asked me if I'd like to comment in this thread from a UK perspective - and from the point of view of someone who has seen more than his fair share of doctors and hospitals lately!

    I don't wish to get into the debate over what America should do - that's none of my business and I don't have the knowledge needed to be intelligent on the subject.

    Here in the UK we have the National Health Service - an over-riding organisation that provides 'free healthcare for all'. Of course, it isn't really free - we pay for it in our taxes, but there is no charge at the point of delivery.

    Yes, it is a very expensive service for the government to provide, and yes, it is unquestionably hugely wasteful. The latest figures I have seen show that the current annual cost of running the service is £110bn ($176bn), giving a cost per capita of around £2000 ($3200).

    In the past I have been critical of the NHS - mainly because my opinions were formed by sensationalist newspaper reports and hand-wringing TV commentators who spend all their time highlighting what is wrong with the system, while conveniently forgetting to mention the many things that are right with it.

    As a result I have for a long time adopted a 'belt and braces' approach and paid for private medical insurance in the belief that I would be able to access better treatments, faster, if the need arose.

    For years my family and I have made the occasional call on our private medical insurance for such things as diagnostic tests and small procedures, but thankfully we had never need to use it for anything major.

    Then my wife got cancer and we got a big wake-up call.

    Because of peculiarities on the way our system sets private healthcare in motion we found that she was delayed in getting even an initial consultation by 10 days, whereas a friend of hers who had the same diagnosis at virtually the same time was seen by her oncologist via the NHS in just two days. Thankfully the delay didn't affect Delia's recovery, but it could have done.

    Delia ended up having surgery privately, but was quickly told that her insurance didn't cover chemotherapy, which is very expensive - so she was transferred back into the NHS system. While a 'private patient' she was seen by a top oncological surgeon in Harley Street, but when she was transferred to the NHS she went to Guy's Hospital in London. At Guys the cancer care service was even better than in the private hospital and the consultant she was put under was the very same man she had been seeing in Harley Street!

    Most top consultants have a private practice, but also work in the NHS.

    Two years on I had a stroke (last Christmas Day - what great timing!) and was rushed into hospital by ambulance. Almost three weeks of hospitalisation followed and I am still receiving two home visits each week from a physiotherapist. I see doctors regularly and have a drug regime that I know is very expensive.

    The bill: zero. As a diabetic I don't even have to pay the subsidised cost for my drugs.

    Now, even though I have made no claim on my private health insurance and have been treated entirely by the NHS, my private healthcare insurance premium has risen to £450 ($720) per month. That's $8640 per year! Needless to say I plan on stopping the policy at the end of its current term.

    Having actually had to use the NHS for serious treatments I cannot praise it high enough.

    Yes, there are waiting lists for non-critical problems but for major issues they are superb.

    In my opinion - and experience here in the UK - private healthcare is way too expensive because the profits that the healthcare companies need to make are passed directly on to patients. Of course it is useful to be able to get tests quicker, or minor procedures performed without a waiting list, but the NHS generally won't let you down. News reports and scare stories aside, free healthcare at the point of service works pretty well here.

    It could be run better - putting civil servants in charge of anything is usually a bad idea and the NHS suffers from a lot of wastage and inefficiency. Not least from a top-heavy administration. But would I (or most other people in the UK) want to scrap it? No way!

    When you need it you realise how damned good it is - and what a bargain our £2000 per head really is.

    Martin
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    • Profile picture of the author Paul Myers
      Thank you, Martin. I appreciate you making the time to inject the real world perspective, and to share your own experience.

      One point you raised is particularly interesting, and has been mentioned in this thread before. Despite the bloat that may exist in the NHS, the cost per capita of delivering health care in the UK is substantially lower than it is in the US. That seems to me to provide a rather stark rebuttal to the people who say that our government can't do things more efficiently than the private sector.

      This thing, at least.


      Paul
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      • Profile picture of the author Martin Avis
        Originally Posted by Paul Myers View Post

        Thank you, Martin. I appreciate you making the time to inject the real world perspective, and to share your own experience.

        One point you raised is particularly interesting, and has been mentioned in this thread before. Despite the bloat that may exist in the NHS, the cost per capita of delivering health care in the UK is substantially lower than it is in the US. That seems to me to provide a rather stark rebuttal to the people who say that our government can't do things more efficiently than the private sector.

        This thing, at least.


        Paul
        No problem.

        I think it boils down to two things -

        1. it is run as a 'not for profit' organisation and

        2. Anyone, even a government body, can benefit from the economies of scale that an overarching system like a national health service can offer.

        Martin
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        • Profile picture of the author seasoned
          Originally Posted by Martin Avis View Post

          2. Anyone, even a government body, can benefit from the economies of scale that an overarching system like a national health service can offer.

          Martin
          NOBODY argued ability! They argued HISTORY! IBMs PC could have sold for roughly what the apple did, or maybe even less.

          IBM ****LOST**** the PC war. Just after it started to take off, competitors came out of NOWHERE selling a better and faster machine, but substantially similar manufacture for less than half the cost. Eventually, even IBM had to drop the price!

          SURE people refer to IBM a lot. The CORRECT term is IBM COMPATIBLE! HECK, the IBM compatible isn't even IBM compatible anymore. IBM tried the PS/2 and OS/2 and they DIED because they weren't compatible with the older line, and were more expensive.

          TEN, one day, the CEO of COMPAQ came in and fired a lot of his staff because he found there was intentional waste THERE, and lowered the price of THEIR computers.

          IBM and COMPAQ were FAR larger than most of the others. They HAD economies of scale! But they cost MORE!

          The US government is usually slower and costs more. And there are a lot of "leaks"(of cash). So who can blame us for being hesitant?

          Steve
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          • Profile picture of the author Kay King
            Steve - You lost me totally there. What are you arguing?

            The US government is usually slower and costs more.
            Maybe it's time to admit perhaps other countries have better results with health care and stop tyring to invent a new wheel in the U.S.?

            It is not possible to argue U.S. superiority when we spend twice as much and have the mess we are in right now.
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            • Profile picture of the author seasoned
              Originally Posted by Kay King View Post

              Steve - You lost me totally there. What are you arguing?



              Maybe it's time to admit perhaps other countries have better results with health care and stop tyring to invent a new wheel in the U.S.?

              It is not possible to argue U.S. superiority when we spend twice as much and have the mess we are in right now.
              It just seems that things the US does along these lines ALWAYS cost more. CERTAINLY more than the private sector, but also more than elsewhere. You can say we are bigger till the cows come home, but percentages should ALWAYS be the same, regardless of scale, so % of GDP is immune to scale. If anything, as the country gets larger cost should DROP because of more supply and infrastructure. And the PER CAPITA is ALWAYS one instance, so we are comparing ONE person in the US to ONE person in say the UK, and the cost AGAIN should be comparable.

              I have RARELY claimed US superiority. I would LOVE to see the availability of insurance go up, and costs to drop. I would LOVE that! WHO WOULDN'T!?!?!? But the way it is being done is just WRONG and will do NEITHER! My biggest concern NOW, outside of going broke(because of the value of the dollar falling, confiscation, and just a collapse of the economy) is LOSING MY INSURANCE! I really DID, earlier this week call my insurer, and they DID say I would have to wait until july. I really DID check out hc.g. And only a couple days ago I read that eziekiel emmanuel said that he wants to see employer provided insurance die soon. Will that affect me? I may have to wait until DAYS before termination to find out.

              Steve
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      • Profile picture of the author seasoned
        Originally Posted by Paul Myers View Post

        One point you raised is particularly interesting, and has been mentioned in this thread before. Despite the bloat that may exist in the NHS,the UK is substantially lower than it is in the US. That seems to me to provide a rather stark rebuttal to the people who say that our government can't do things more efficiently than the private sector.

        This thing, at least.


        Paul
        How do you figure? More efficient means to do at LEAST the same with no more than the same effort and/or time and/or cost.

        If the UK cost per capita is LESS than the US, that means the US is LESS EFFICIENT! And I brought up that SAME point a few times in this thread. Someone posted a link to a list, which included the UK, and the US cost 60% ****MORE**** than the next highest country. That is a LOT! That says to me that SOMEBODY is taking a larger percentage than their counterparts(if such counterparts even exist) in ANY other country.

        If THAT could be cut, we could have covered everyone in the us, and SAVED over 800billion. Of course this assumes the the average cost for those not covered would be about the same as the average for those that are, and the claims about this *****EITHER WAY***** assume that the US is on par with those abroad, on average, as to outcome.

        Lets face it, if the US were sicker, you would expect an otherwise similar comparison to indicate that the US would cost more than others. If the US were healthier than those abroad, you would expect it to be less. LOOK AT THIS! We spend almost TWICE what canada does!

        List of countries by total health expenditure (PPP) per capita - Wikipedia, the free encyclopedia

        OH, and canada spends a bit more than the UK. And this list ALSO says that of all countries having healthcare, the US is, BY FAR, the LEAST able to afford it! Look at the % of GDP column!

        Steve
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      • Profile picture of the author garyv
        Originally Posted by Paul Myers View Post

        That seems to me to provide a rather stark rebuttal to the people who say that our government can't do things more efficiently than the private sector.

        This thing, at least.


        Paul
        I would love if our system could work as well as what was described here, but our form of government is much different than what they have over there - which is why most of us are over here in the first place. We wanted it to be different.

        So the argument that "our" government can't do things more efficiently still stands. The example provided is a system that came from "their" government.

        Their healthcare system is a system where the healthcare provider (ie -Doctor) AND the payment mechanism - are all provided by the government. The system we are talking of providing here with our "single payer" system is only a system where the payment mechanism is provided by the government. The doctors will still come from the private sector. -

        Mixing these 6astardized forms of capitalism and socialism breeds inefficiency and monopolies. ie - Halliburton.

        Which is why to be most efficient, you need either a more pure socialist healthcare system, or a more pure capitalist healthcare system. And since we are a Republic it has always been my contention that if given the choice, it should be a capitalist system.

        However our country is literally split right down the middle on the type of system we should have, which is why I believe that our government will never be efficient enough to run healthcare the way the UK does.


        - also - Those who think you can't be turned down for treatment in a system like this one if your treatments are too expensive are wrong. Look up "NICE" National Institute for Heath and Care Excellence. They are a non-departmental public body of the Department of Health in the UK - and they serve to set a price limit on treatments. If any treatment is over what they have set, then your treatment is turned down. - Just like any insurance company will do.
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        • Profile picture of the author TimPhelan
          Why? A Republic is a political system, a form of government. Socialism is a social and an economic system. Two completely different things that you have confused before in this thread and others. Our country wasn't founded on "pure capitalism" as you like to call it. It was founded on a political structure. Regarding the economic structure I think even back then there were those who knew the country should be a mixed system of "free market" and government guidance/control.
          Originally Posted by garyv View Post

          Which is why to be most efficient, you need either a more pure socialist healthcare system, or a more pure capitalist healthcare system. And since we are a Republic it has always been my contention that if given the choice, it should be a capitalist system.
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          • Profile picture of the author garyv
            Originally Posted by TimPhelan View Post

            Why? A Republic is a political system, a form of government. Socialism is a social and an economic system. Two completely different things that you have confused before in this thread and others. Our country wasn't founded on "pure capitalism" as you like to call it. It was founded on a political structure. Regarding the economic structure I think even back then there were those who knew the country should be a mixed system of "free market" and government guidance/control.
            I've never argued socialism against a Republic in this thread or anywhere. Have you actually read my threads? My argument has always been socialism vs capitalism which are BOTH economic systems on the opposite ends of the spectrum. And my argument for capitalism is based on the fact that we are a Repulic, which lines up with the beliefs of capitalism, which is based on private ownership and freedom.

            I can appreciate the fact that you can read the wikipedia definition of Republic and socialism - but I've never pit those against one another. My argument has always been socialism vs capitialism - and why I choose capitalism based on the fact that we are a republic.

            You may be confused on the subject I have no idea- but don't call others confused just because you don't understand.
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            • Originally Posted by garyv View Post

              I've never argued socialism against a Republic in this thread or anywhere. Have you actually read my threads? My argument has always been socialism vs capitalism which are BOTH economic systems on the opposite ends of the spectrum. And my argument for capitalism is based on the fact that we are a Repulic, which lines up with the beliefs of capitalism, which is based on private ownership and freedom.

              I can appreciate the fact that you can read the wikipedia definition of Republic and socialism - but I've never pit those against one another. My argument has always been socialism vs capitialism - and why I choose capitalism based on the fact that we are a republic.
              The fatal flaw in your reasoning is that you treat socialism and capitalism as either/or propositions. They are not. Both are a question of degree.

              No civilization in history has ever existed without a certain amount of socialism. Some have used much more than others, and history has in fact shown that too much socialism is destructive. However, pure unregulated capitalism is equally destructive, which is why this republic chose to incorporate elements of both.

              Economies are much too complex for you to put them into neat little boxes.
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              • Profile picture of the author garyv
                Originally Posted by Hopeless Bromantic View Post

                The fatal flaw in your reasoning is that you treat socialism and capitalism as either/or propositions. They are not. Both are a question of degree.

                No civilization in history has ever existed without a certain amount of socialism. Some have used much more than others, and history has in fact shown that too much socialism is destructive. However, pure unregulated capitalism is equally destructive, which is why this republic chose to incorporate elements of both.

                Economies are much too complex for you to put them into neat little boxes.

                No I've never said that they are either or propositions. I've just said that they so far have only worked well in their purest forms on either side. That seems to be the case. When you mix them, like we have, you end up with complex systems that don't work well.
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                • Originally Posted by garyv View Post

                  No I've never said that they are either or propositions. I've just said that they so far have only worked well in their purest forms on either side. That seems to be the case. When you mix them, like we have, you end up with complex systems that don't work well.
                  What evidence do you have to support that assertion? I'm not aware of any nation that has ever adopted anything like a pure form of capitalism, including the U.S. at any time in its history. And the handful of nations that tried as pure a form of socialism as they could manage . . . well, they all failed miserably at it.
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            • Profile picture of the author Paul Myers
              Gary,
              My argument has always been socialism vs capitialism - and why I choose capitalism based on the fact that we are a republic.
              Perhaps you could explain why you see those two models as being inherently related?

              I assume "based on the fact" implies that you believe such a relationship exists.

              BTW, one could very easily make a cogent and logically compelling argument that insurance is, by its very nature, a socialist industry.


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              • Profile picture of the author garyv
                Originally Posted by Paul Myers View Post

                Gary,Perhaps you could explain why you see those two models as being inherently related?
                Do you mean capitalism and being a republic? The comparison is only made because our government which is a republic is setup and much closer suited to a capitalist economy. As opposed to the UK which is a Unitary State and much better suited for a socialist economy.


                Originally Posted by Paul Myers View Post


                I assume "based on the fact" implies that you believe such a relationship exists.

                BTW, one could very easily make a cogent and logically compelling argument that insurance is, by its very nature, a socialist industry.


                Paul
                Yes I agree that insurance is closer to a socialist industry - which is part of the reason our health system has never fully worked in a capitalist economy.
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            • Profile picture of the author TimPhelan
              Your confusion is in somehow alligning a Republic, which is a political system, more with capitalism, which is a economic system. A Republic country could vote to turn its economic system into a communistic one and still be a Republic.
              Originally Posted by garyv View Post

              I've never argued socialism against a Republic in this thread or anywhere. Have you actually read my threads? My argument has always been socialism vs capitalism which are BOTH economic systems on the opposite ends of the spectrum. And my argument for capitalism is based on the fact that we are a Repulic, which lines up with the beliefs of capitalism, which is based on private ownership and freedom.

              I can appreciate the fact that you can read the wikipedia definition of Republic and socialism - but I've never pit those against one another. My argument has always been socialism vs capitialism - and why I choose capitalism based on the fact that we are a republic.

              You may be confused on the subject I have no idea- but don't call others confused just because you don't understand.
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          • Originally Posted by Ken_Caudill View Post

            The use of government to install social systems, economic systems, or any other system is beyond the constitutional limits forced on government.

            In a constitutional republic people are free to decide what is best for them. This is an individual right, not a group right.
            Well, obviously it's in your best interest not to pay taxes. Why haven't you contacted the IRS and informed them that you are not required to do so, because you live in a constitutional republic?

            (Or maybe you've already done that - in which case, how's it working out for you?)
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            • Profile picture of the author Paul Myers
              Ken,
              Yes, let's build a paradise on the wealth of others. How can it possibly fail?
              You seem to be conflating the "pure" communist fantasy with a possible way of handling a single, seriously broken, economic sector. You're usually more rigorous in your thinking than that.

              As for some of your other comments... To suggest that someone is uneducated or unintelligent simply because they have a different view of a problem than you do is both unnecessary and unproductively rude.


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            • Profile picture of the author SteveJohnson
              Originally Posted by Paul Myers View Post

              Balderdash. Do you happen to recall what the 'R' in USSR stood for? What does North Korea call itself? Or China?

              Words should have commonly accepted meanings. Assigning them your own connotations and assuming everyone else will share them is not a useful method of communication. It is, nonetheless, a common one.

              Paul
              I was a little surprised to see this. How is Gary assigning his own connotations to the word 'republic'? I suppose he could have been more specific and said 'representative republic', but republic is a more accurate term for our form of government than the commonly accepted 'democracy'.

              Originally Posted by TLTheLiberator View Post

              If you have 60 votes in the senate and win the house you can do anything you like in this country.
              In practice, it would seem so. In theory, and by law, you can't. But that is the difference in what Gary would describe as the 'rule of law' vs. the 'rule of men'.

              There will come a time when the balance of power shifts parties, and I've no doubt that the side no longer in power will try to invoke constitutional principles and restraints that have been so callously swept aside the last few years.

              Originally Posted by TimPhelan View Post

              One of the funniest and most ironic things I have seen come from the recent health care debate were the signs saying "Keep your socialist hands off my medicare" or "Don't steal from medicare to support socialised medicine" or "Keep your government hands off my medicare, you damn socialists".
              On this, I have to totally agree.

              Originally Posted by MikeTucker View Post

              I was nodding my head at a lot of what you said until you got to this point... I just couldn't keep up with where
              you are going with this?
              Don't feel like you're in the minority on this

              Originally Posted by MikeTucker View Post

              Ah, I see.

              I have to admit that I have a very strong bias against these
              "natural" and "alternative" treatments. In my limited experience
              they bring no measurable results, and I'm going to have to stick
              with the professional opinions of people who actually went to
              8+ years of medical school.

              No insult meant here-- Just another clash of culture and opinion,
              I think... It's okay, I think you and I actually did agree on something
              once? :p
              Institutionalized medicine tends to discount its origins - after all, most drugs were at one time derived from observations of the medicinal effects of plants - in favor of modern refinements.

              What a lot of people see as valuable in natural or alternative treatments comes from the use of the whole plant or herb as opposed to just its refined form.

              The 8+ years of school that a physician endures teaches him or her what is thought to work at the time - but it doesn't mean that they have nothing left to learn, or that some other form of treatment doesn't also work.

              Sometimes the old ways work better than the new. Maggot therapy, for instance.

              Originally Posted by TimPhelan View Post

              Why? A Republic is a political system, a form of government. Socialism is a social and an economic system. Two completely different things that you have confused before in this thread and others. Our country wasn't founded on "pure capitalism" as you like to call it. It was founded on a political structure. Regarding the economic structure I think even back then there were those who knew the country should be a mixed system of "free market" and government guidance/control.
              Socialism in the common parlance refers to 'social democracy', which is indeed a political system or form of government:

              Variant of democracy; social democracy rejects the "either/or" phobiocratic/polarisation interpretation of capitalism versus socialism. It claims that fostering a progressive evolution of capitalism will gradually result in the evolution of capitalist economy into socialist economy. Social democracy argues that all citizens should be legally entitled to certain social rights. These are made up of universal access to public services such as: education, health care, workers' compensation, public transportation, and other services including child care and care for the elderly. Social democracy is connected with the trade union labour movement and supports collective bargaining rights for workers. Contemporary social democracy advocates freedom from discrimination based on differences of: ability/disability, age, ethnicity, sex, gender, language, race, religion, sexual orientation, and social class. (Government - Wikipedia, the free encyclopedia, see 'Social Democracy')
              This is the battle - the transformation of the US from a representative republic to a social democracy with its ensuing loss of personal liberties, which a great many people feel as unacceptable.


              Originally Posted by Hopeless Bromantic View Post

              Well, obviously it's in your best interest not to pay taxes. Why haven't you contacted the IRS and informed them that you are not required to do so, because you live in a constitutional republic?

              (Or maybe you've already done that - in which case, how's it working out for you?)
              You are required to file income tax returns, you are required to be truthful in the information you put on the return. You are not required to pay whatever the tax figure might be. Getting away with not paying may require that you live the uncomfortable lifestyle of the judgement-proof, but you won't go to jail for not paying taxes.

              It's sad when you have to resort to baiting and derision in a discussion because you have nothing of value to add to it.
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              • Profile picture of the author Paul Myers
                Steve,
                How is Gary assigning his own connotations to the word 'republic'?
                That was clarified further down the thread. I think we disagree, but we each now know what the other means by the word (mostly), which is all that's necessary for reasonably clear communication.


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                • Profile picture of the author Midnight Oil
                  Originally Posted by MikeTucker View Post

                  First, please change the link... The bookmark is old and it forwarded me to another address where the PDF was automatically downloaded.
                  I'm sorry about that. Didn't realize it was doing that. It's been changed.

                  Originally Posted by MikeTucker View Post

                  So really it is only referencing a previous study, not validating it as still being accurate.
                  But the accuracy of the numbers isn't my point. The point is that Obama's promise couldn't and wouldn't be kept, they knew it in 2010, but that same promise was still being made in 2012/13 to sell it.
                  "The frequency of this outcome cannot be gauged due to lack of data, but as a result of it, the Departments estimate that the percentage of individual market policies losing grandfather status in a given year exceeds the 40 percent to 67 percent range that is estimated based on the fraction of individual policies that turn over from one year to the next."
                  Originally Posted by MikeTucker View Post

                  To borrow from good ole' Ziggy,
                  I would never hire an accountant that was "mostly honest"
                  and when I came home from a trip, my wife never asked me
                  if I was "mostly faithful".
                  Some still defend Obama's promise because, to them, it was "mostly true."

                  Originally Posted by MikeTucker View Post

                  But I still can't help but feel like this was a case of
                  people being blinded by the flashy guarantee and
                  not paying attention to the fine print?
                  I definitely agree with you on the first part.

                  But there really was no way for the general public to pay attention to that fine print when Obama never pointed it out while making his promise, and we were being told that we had to pass the bill to find out what's in it. I think current estimates place the regulations somewhere around 11,000 to 13,000 pages long. I don't think anyone still knows or understands all the fine print.

                  Thanks, Mike. Nice chat.
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                  • Profile picture of the author MikeTucker
                    Wow, I'm a few days behind so I'm going to have to
                    make my responses in parts again, but I'm very thankful
                    to everyone participating and posting both their knowledge
                    and their feelings on all of these issues!


                    Originally Posted by Midnight Oil View Post

                    Thanks, Mike. Nice chat.
                    Indeed. Thanks for pointing that one out to me.

                    I did think of a new way to communicate my point without
                    so much blah blah blah from my keyboard, and it is this:

                    I don't think it is accurate to say that it was "sold on a lie"?
                    I think that most people were hoping that there would be
                    something better for them? All the "guarantee" did was make
                    them feel a bit safer, but the real selling points were the hope
                    of what they imagined might be good for them?

                    Also, the fact that the guarantee was not as good as we
                    wanted to believe it was does not make the entire law bad.
                    As you pointed out, there are tens of thousands of pages
                    in there-- and we already know that most people are happy
                    to have quite a few of the benefits it promises. In fact, the
                    Republican proposal, which will not be submitted just yet, has
                    quite a few of the same promises in it with very similar
                    verbiage, such as with the issue of pre-existing conditions, etc.
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              • Profile picture of the author TimPhelan
                Originally Posted by SteveJohnson View Post

                Socialism in the common parlance refers to 'social democracy', which is indeed a political system or form of government:


                Not quite. From the same wiki page:

                "Social democracy is a political ideology that officially has as its goal the establishment of democratic socialism through reformist and gradualist methods."

                So what is "democratic socialism"? Again from wiki: "Democratic socialism is a political ideology advocating a democratic political system alongside a socialist economic system."

                Good post otherwise.
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              • Originally Posted by SteveJohnson View Post

                You are required to file income tax returns, you are required to be truthful in the information you put on the return. You are not required to pay whatever the tax figure might be. Getting away with not paying may require that you live the uncomfortable lifestyle of the judgement-proof, but you won't go to jail for not paying taxes.

                It's sad when you have to resort to baiting and derision in a discussion because you have nothing of value to add to it.
                Not baiting; just pointing out that Ken was choosing a "unique" definition of the phrase "constitutional republic" and hiding behind it to avoid responsibility for his arguments.

                Wouldn't be the first time he's tried something like that.
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              • Profile picture of the author MikeTucker
                Originally Posted by SteveJohnson View Post

                Institutionalized medicine tends to discount its origins - after all, most drugs were at one time derived from observations of the medicinal effects of plants - in favor of modern refinements.

                What a lot of people see as valuable in natural or alternative treatments comes from the use of the whole plant or herb as opposed to just its refined form.

                The 8+ years of school that a physician endures teaches him or her what is thought to work at the time - but it doesn't mean that they have nothing left to learn, or that some other form of treatment doesn't also work.

                Sometimes the old ways work better than the new. Maggot therapy, for instance.
                I can see your point here, and I agree in many ways...
                I'm often the first to tell parents that kids are over-diagnosed with
                "ADD" and what they need is karate, not heavy medications!

                Still, I cannot help to think not only of my own experiences
                but those of others, such as the mother who gave her family
                herbal tea to cure the flu and it happened to contain poisonous
                mushrooms mistakenly picked by the "doctor" for "flavoring
                and healing properties". Or the parents outside Dallas who
                had their 16-year old son suffering in horrible agony for almost
                a week because of a burst appendix, which they were trying
                to cure with herbal tea, Vick's salve, and prayer.
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                • Profile picture of the author SteveJohnson
                  Originally Posted by MikeTucker View Post

                  I can see your point here, and I agree in many ways...
                  I'm often the first to tell parents that kids are over-diagnosed with
                  "ADD" and what they need is karate, not heavy medications!

                  Still, I cannot help to think not only of my own experiences
                  but those of others, such as the mother who gave her family
                  herbal tea to cure the flu and it happened to contain poisonous
                  mushrooms mistakenly picked by the "doctor" for "flavoring
                  and healing properties". Or the parents outside Dallas who
                  had their 16-year old son suffering in horrible agony for almost
                  a week because of a burst appendix, which they were trying
                  to cure with herbal tea, Vick's salve, and prayer.
                  You're pointing to extremes in the 'natural' medicine arena (which in fairness are the ones we remember), but we can also point to an equal -- if not greater -- number of terrible mistakes made by modern medical practitioners: incorrect limbs amputated, wrong medications prescribed, misdiagnoses resulting in death or debilitation.

                  I am not a natural medicine extremist - I believe there is a place for modern medical practices and medications. Concentrated antibiotics work much quicker than natural ones. I also don't discount that modern medicine came about because of the deficiencies of natural medicine. My main point was that far too often natural remedies are ignored because they are 'natural remedies'; simply by virtue of the label they are discounted as being effective.

                  This is getting way off topic, but let's just take boils (carbuncles) as an example. They are nasty localized infections that can be dangerous if left untreated. You go to the doctor, and what is their course of treatment? Lance it to drain the infection, pack the cavity full of antibiotic-laced packing, then shoot you full of antibiotics because their surgery has broken the natural barrier your body has placed around the infection.

                  Go to a natural healing specialist and more likely than not they will apply a poultice containing materials known to draw infection - activated charcoal, powdered flax seed, etc. - and tell you to change it periodically. In a day or two, the boil has burst through the dead skin covering it, the infection has drained into the drawing material, and the wound is already healing. Another day or two of poultices, and all you see is nice healthy pink skin.

                  Sorry for the sidetrack, but I think this also plays into the larger picture: which is the more expensive way to go? A doctor visit, or some herbs and charcoal?
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                  • Profile picture of the author MikeTucker
                    Originally Posted by SteveJohnson View Post

                    You're pointing to extremes in the 'natural' medicine arena (which in fairness are the ones we remember), but we can also point to an equal -- if not greater -- number of terrible mistakes made by modern medical practitioners: incorrect limbs amputated, wrong medications prescribed, misdiagnoses resulting in death or debilitation...

                    Sorry for the sidetrack, but I think this also plays into the larger picture: which is the more expensive way to go? A doctor visit, or some herbs and charcoal?
                    Hmm, you're absolutely correct, thank you for the perspective.
                    One other concern that I might have on the subject is that the
                    "alternative" market is by it's nature controlled by few regulations,
                    which means that there is often little recourse when people are
                    harmed by mistakes or taken advantage of by charlatans.

                    And no reason to be apologize for the sidetrack, a lot of people are
                    discussing a lot of different things in this thread, and all of them are
                    in some way related to the main topic, which has become something
                    along the lines of, "What is going on with our healthchare system,
                    and what should we do with it?"
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            • Profile picture of the author TimPhelan
              Umm, Ken, you are aware that this is exactly what you constantly do, as is very obvious from the very same post below.

              Originally Posted by Ken_Caudill View Post

              I am constantly amazed at the amateurish attempts at argument I seem to elicit on this forum.

              I know, why don't you climb a flagpole and sit on it with a sign to proclaim the absolute benevolence and might of the federal government?

              That might be fun.

              Windy, though.

              If ever someone would actually address a point without resort to silly asides, personal attacks, insults or lateral attempts at logic, I would be happily surprised.
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              • Profile picture of the author TimPhelan
                Yep, and that's what I do with you Ken. By the way, I have seen enough of your posts to see that you are the one who instigates the insults, personal attacks and silly asides a great deal of the time, then when someone responds back in kind you whine and complain you are a victim of sorts. :/
                Originally Posted by Ken_Caudill View Post

                It is called replying in kind.

                Umm, look it up.

                I simply used the exact same technique used by the poster to point out how ludicrous his reply was and is.

                P. S. Yours are pretty much in a class by themselves.
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                • Profile picture of the author Kay King
                  Isn't this the reason the problems we have in health care and many other areas just go on and on and on?

                  Instead of working to find solutions - people defend positions and discussions descend into 'sniditude'. What starts with specific recommendations for changes/improvements becomes yet another set of rants about definitions and history and big picture talk that doesn't put a bandaid on a wound.

                  Finding a solution for health care means no one will get exactly what they want - no one position will be a sacred cow - but we might end up with a solution that works pretty well for the majority. That's more than we have now or are looking at in the near future.
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                • Profile picture of the author Kay King
                  Not to interrupt your fussing but just saw a comment on MSNBC that made my jaw drop.

                  A new guy there - Ronan Farrow - young guy. Looks straight into the camera during his "news" show and announces

                  "we know we are nearing the end of the sign up period for Obamacare (and, yes, that is exactly what he called it) - so WE need your help in convincing people to sign up.

                  So - MSNBC has abandoned all pretense of news or impartiality? How is this different from other countries that have "govt sponsored" TV news?
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                  • Profile picture of the author Midnight Oil
                    Originally Posted by Kay King View Post

                    Not to interrupt your fussing but just saw a comment on MSNBC that made my jaw drop.

                    A new guy there - Ronan Farrow - young guy. Looks straight into the camera during his "news" show and announces

                    "we know we are nearing the end of the sign up period for Obamacare (and, yes, that is exactly what he called it) - so WE need your help in convincing people to sign up.
                    Mia Farrow's boy. And either Woody Allen's or Frank Sinatra's. Woody's son on paper, Frank's son in the eyes.

                    More of the Hollywood elite that knows what's best for us. Just the fact that Hollywood is so deeply involved in pushing Obamacare should be enough to give folks second thoughts about the whole thing.

                    Originally Posted by Kay King View Post

                    So - MSNBC has abandoned all pretense of news or impartiality?
                    Long ago. They're the worst of the bunch.
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                    • Profile picture of the author Kay King
                      I should have made that connection to Farrow....after all, that was the reason for the big fuss about Allen recently wasn't it?

                      ....to get media exposure to the kid who was starting a new tv show?

                      Edit: That's dismissive - this guy is obviously smart in his own right but the early degrees are a result of a private boarding school that takes bright students into "college" before they they've completed high school.

                      He's a very smart young man and has done a great job of positioning himself. Also true is the "political appointments" he had and much of what he's accomplished would not have been possible without his famous mother and her political stance.

                      I wouldn't be surprised to find him a major political figure in 10-15 years.
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                  • Originally Posted by Kay King View Post

                    Not to interrupt your fussing but just saw a comment on MSNBC that made my jaw drop.

                    A new guy there - Ronan Farrow - young guy. Looks straight into the camera during his "news" show and announces

                    "we know we are nearing the end of the sign up period for Obamacare (and, yes, that is exactly what he called it) - so WE need your help in convincing people to sign up.

                    So - MSNBC has abandoned all pretense of news or impartiality? How is this different from other countries that have "govt sponsored" TV news?
                    I thought people were subject to fines if they missed the signup window.

                    In that case, it isn't "promoting" at all; it's more like a public service announcement.
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                • Profile picture of the author TimPhelan
                  Originally Posted by Ken_Caudill View Post

                  I am sure that you do not know the difference...
                  And you keep going. I'll let you have the last insult for the sake of this thread. :/


                  Originally Posted by MikeTucker View Post



                  Ken, I realize that it is your manner with everyone, but I've decided that if you
                  continue to attempt to speak down to me in the future, I'm just going to start ignoring
                  everything you write.

                  Probably good idea for everyone Mike. I will try to do the same.
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                  • Profile picture of the author Kay King
                    tit-tat-tit-tat-tit-tat

                    drip, drip, drip:p

                    MSNBC usually doesn't to the bias - they strongly defend they are only presenting "truth".
                    Just the other day I saw one of the head dudes there criticizing another network for using the term "obamacare" - he said it was racist.

                    New slogan for network - "presenting the facts as we make them up"...
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          • Profile picture of the author TimPhelan
            We've gone through what the consitution is and isn't before and I simply feel you are absurdly off the mark in your understanding of the subject. For someone who talks about the constitution so much it's remarkable how little you seem to actually grasp about what it is, why it was created and what it does.
            Originally Posted by Ken_Caudill View Post

            A constitutional republic is a government and a legal system. The people who wrote and ratified the constitution recognized the role of government in affairs. That's why it seriously limited what government can do.

            What you fail to recognize is that the use of force (read government, the words are synonymous) to install whatever "social" or "economic" system you have decided is best for us is patently illegal. The use of government to install social systems, economic systems, or any other system is beyond the constitutional limits forced on government.

            In a constitutional republic people are free to decide what is best for them. This is an individual right, not a group right. I do not want, and certainly do not need, people like you deciding what is best for me.

            Hell, it's downright scary to contemplate.
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    • Profile picture of the author Tim_Carter
      Originally Posted by Martin Avis View Post

      Now, even though I have made no claim on my private health insurance and have been treated entirely by the NHS, my private healthcare insurance premium has risen to £450 ($720) per month. That's $8640 per year! Needless to say I plan on stopping the policy at the end of its current term.

      Having actually had to use the NHS for serious treatments I cannot praise it high enough.

      Martin
      Martin.

      I find it interesting that the UK has a two tiered health plan (not allowed here) and that it is less effective the the socialized part. (in your experience).
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  • Profile picture of the author MikeTucker
    Originally Posted by MikeAmbrosio View Post

    As messed up as our health care system apparently is - so we're told daily - I'll relate a few of mine.

    At any rate, from where I sit, we have fabulous health care here. Perfect? No. Needs fixing? Yes. Needs to be totally wiped out and replaced by the government? No from where I sit.
    Thank you for sharing your stories, they bring a lot of perspective.

    In this discussion I can't help but think of my own biggest medical
    experiences, of course. When my wife fell ill, we had been paying
    a significant amount of money to Blue Cross Blue Shield for quite some
    time. However, they completely denied almost all coverage for her
    because it was a rare form of cancer that they excluded at the time.

    Now I was able to afford the best treatment money can buy for her
    because my family is in oil & gas. But even so the bills were painful
    to look at, and I couldn't help thinking what it would have been like
    were I not so lucky as to be born into this particular family? And what
    about all of the people who are suffering because they were not?

    Extending her life and keeping her comfortable as long as we were
    able to would have been financially impossible for most people,
    and (here comes my emotions, I am aware!) I just really feel like
    that is wrong.

    So if we were to keep the system we have now and not turn it
    over to the government in a single-payer type of system, how could
    we fix this situation (which feels to me like it is broken)?



    Originally Posted by garyv View Post

    And anymore social media takes care of helping capitalists to self regulate. If some company is doing something out of line, there's going to be someone somewhere that's going to see it and spread it like fire on social media. Many companies have been brought to their knees by consumer lead fire-storms on facebook or twitter.
    I have seen social media firestorms have some affect on the behavior
    of corporations. The GoDaddy drama comes to mind.

    On the other hand, consider the Chick-fil-A drama. There were two
    distinct sides and it only polarized them farther and many people would
    say it didn't change their behavior at all, and in fact made it more
    entrenched, even though it seems history is leaning toward saying
    they are on the wrong side of the argument (based on many of the recent
    legal rulings.)




    Originally Posted by TLTheLiberator View Post

    I find it fascinating that some people would opt for a health care system run by private corporations who's sworn duty is to make as much money as possible verses an entity that does not have to make a profit and only has to break even.
    This is a problem for me in a lot of areas. A major difference between
    the government and corporations is that when the government screws up,
    we normally hear about it.

    For example, I was in a meeting last week in which my peers
    were voting on which environmental laws to break based on the
    likelihood of getting away with it and the fines if we are caught,
    which in most cases are significantly less than the potential profits.
    This is not uncommon and nobody is complaining about it because
    nobody knows. (I abstained from voting myself in protest. You know,
    so that everyone in the room would laugh at me. )

    Still, are the new healthcare laws really headed toward this
    single-payer system? I'm not so sure about that, especially with all
    of the push-back for what has been changed so far? There are already
    the constant (inaccurate) cries of "socialism!" and even "communism!"?
    And I am also concerned about too much red tape getting between
    doctors and patients and influencing treatments? How can s
    Single Payer system make sure that doesn't happen, especially if it
    works on a finite budget?
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    • Profile picture of the author TLTheLiberator
      Originally Posted by MikeTucker View Post

      Thank you for sharing your stories, they bring a lot of perspective.

      In this discussion I can't help but think of my own biggest medical
      experiences, of course. When my wife fell ill, we had been paying
      a significant amount of money to Blue Cross Blue Shield for quite some
      time. However, they completely denied almost all coverage for her
      because it was a rare form of cancer that they excluded at the time.

      Now I was able to afford the best treatment money can buy for her
      because my family is in oil & gas. But even so the bills were painful
      to look at, and I couldn't help thinking what it would have been like
      were I not so lucky as to be born into this particular family? And what
      about all of the people who are suffering because they were not?

      Extending her life and keeping her comfortable as long as we were
      able to would have been financially impossible for most people,
      and (here comes my emotions, I am aware!) I just really feel like
      that is wrong.

      So if we were to keep the system we have now and not turn it
      over to the government in a single-payer type of system, how could
      we fix this situation (which feels to me like it is broken)?





      I have seen social media firestorms have some affect on the behavior
      of corporations. The GoDaddy drama comes to mind.

      On the other hand, consider the Chick-fil-A drama. There were two
      distinct sides and it only polarized them farther and many people would
      say it didn't change their behavior at all, and in fact made it more
      entrenched, even though it seems history is leaning toward saying
      they are on the wrong side of the argument (based on many of the recent
      legal rulings.)






      This is a problem for me in a lot of areas. A major difference between
      the government and corporations is that when the government screws up,
      we normally hear about it.

      For example, I was in a meeting last week in which my peers
      were voting on which environmental laws to break based on the
      likelihood of getting away with it and the fines if we are caught,
      which in most cases are significantly less than the potential profits.
      This is not uncommon and nobody is complaining about it because
      nobody knows. (I abstained from voting myself in protest. You know,
      so that everyone in the room would laugh at me. )

      Still, are the new healthcare laws really headed toward this
      single-payer system? I'm not so sure about that, especially with all
      of the push-back for what has been changed so far? There are already
      the constant (inaccurate) cries of "socialism!" and even "communism!"?
      And I am also concerned about too much red tape getting between
      doctors and patients and influencing treatments? How can s

      Single Payer system make sure that doesn't happen, especially if it
      works on a finite budget?
      Regarding your last paragraph...

      We could have had single payer around 2010 if the U.S. senate could have mustered more than 45 votes but they couldn't.

      The house had no problem passing a single pay law.

      The ACA was passed despite enormous opposition and had to be passed by promising blue dog dems in the senate sweetheart deals for their states.

      But after it was passed with 60 votes, the senate came back and under a senate procedure called reconciliation, they removed the sweetheart deals out of the law.

      Boy were the blue dogs mad.

      If you have 60 votes in the senate and win the house you can do anything you like in this country.

      FDR and LBJ had at least 65 senators on their side.

      About the states and single payer:

      The states do have a right to go to single payer if they like and if the admin approves of their plan so it could be done state by state but we both know some states are not going there.

      Some do some don't some will some won't.
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  • Profile picture of the author garyv
    I'm running out of time to defend my position - have to get to work - but I'll leave this here and get back after work...

    THE CONSTITUTIONAL PROTECTION OF CAPITALISM
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    • Profile picture of the author Paul Myers
      Gary,

      Interesting summary. It assumes that protection of the rights to life, liberty, and property from governmental interference are uniquely capitalistic. They are not, as the word is used in the US system.

      They are essential to it, certainly, but not exclusive.


      Paul
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      • Profile picture of the author garyv
        Originally Posted by Paul Myers View Post

        Gary,

        Interesting summary. It assumes that protection of the rights to life, liberty, and property from governmental interference are uniquely capitalistic. They are not, as the word is used in the US system.

        They are essential to it, certainly, but not exclusive.


        Paul
        That is true, the protection of the rights to life, liberty, and property from governmental interference are not uniquely capitalistic - but they are in contrast with a socialist form of economy, where the interference of your liberties are necessary to make socialism work.
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        • Profile picture of the author Paul Myers
          Gary,
          they are in contrast with a socialist form of economy, where the interference of your liberties are necessary to make socialism work.
          Unlike interferences in a capitalist society. Like, say, "no fly" lists, property taxes, random police stops, eminent domain, licensing of various professionals, the War on Drugs, warrantless wiretaps, and yet another list that could go on for more paragraphs than would be appropriate for a discussion post?


          Paul
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          • Profile picture of the author garyv
            Originally Posted by Paul Myers View Post

            Gary,Unlike interferences in a capitalist society. Like, say, "no fly" lists, property taxes, random police stops, eminent domain, licensing of various professionals, the War on Drugs, warrantless wiretaps, and yet another list that could go on for more paragraphs than would be appropriate for a discussion post?


            Paul
            Good point.
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          • Profile picture of the author seasoned
            Originally Posted by Paul Myers View Post

            Gary,Unlike interferences in a capitalist society. Like, say, "no fly" lists, property taxes, random police stops, eminent domain, licensing of various professionals, the War on Drugs, warrantless wiretaps, and yet another list that could go on for more paragraphs than would be appropriate for a discussion post?


            Paul
            Those aren't capitalist! And NO FLY is CERTAINLY common in socialist countries.

            Property taxes may not exist, since they FROWN on property.

            Random police stops are the sort of thing forbidden by the constitution, 4th amendment, though allowed. And this IS done in socialist countries.

            Eminent domain was there with the idea that there might be a need for a resource, protection of some area, strategic locations, maybe new technology like a cell tower. It was NOT there for a private developer to create a mall, etc... but AGAIN, MISUSED! Communist countries often take such things ALSO!

            Licensing of professionals, for the most part, happened because of problems. Look at stock brokers. They existed BEFORE the NASD! Yet the licensing and NASD came about, in part at least, because of the 1929 crash! The SEC was created in 1934! The SAME sort of thing happened with insurance agents though THAT is actually a JOKE! Life insurance agents, for example, brake the law ALL THE TIME! But they have "errors and omissions" insurance so, if in the unlikely event they are sued, they will NOT lose their careers, etc...

            Warrantless wiretaps ARE, as implied, unconstitutional. There is a LOT of precedent saying that if you listen in on a wiretap with no warrant, hear they buried a body, dig it up, find ALL evidence with the body, and take it to court, that it is to be THROWN OUT! Fruit of the poisonous tree - Wikipedia, the free encyclopedia ALAS, they have "extenuating circumstances" that allow them to get away with it. AND, to be honest, ll they have to do is come up with a method that they would have used if they couldn't do the wiretap that was legal and led to the same evidence. If they can somehow prove that they would have and could have done that, they may be able to allow the evidence.

            But MAN prior to the 1930s.... Insurance, drugs, securities, etc... could be sold a LOT easier. TOO easily.

            Steve
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  • Profile picture of the author MikeTucker
    Originally Posted by Ken_Caudill View Post

    S

    It will, of course, be B, since no one knows what a free market is, thanks to our stellar press and wonderful education system.
    Care to explain what a free market is, and how its principles
    will work in the medical/pharmaceutical industries, since
    none of us know?
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  • Profile picture of the author David Braybrooke
    Isn't this thread starting to veer towards that ol' devil, 'banned political topics?'
    C'mon, we don't want to see that lockup symbol anytime soon ...
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  • Profile picture of the author ronrule
    Well this certainly derailed what could have been an interesting topic. Let's try to get back on track for a minute with a bold statement:

    A single payer system would be much more expensive per-person, not cheaper. The numbers prove it.

    Here's why ...

    1. Changing who pays the bill doesn't change the price of care - which is the real problem, not insurance companies.
    2. The sum of everyone's medical bills is roughly $2 trillion per year. That's for CARE, not insurance... actual money paid to doctors/hospitals/etc.

    If you take $2 trillion and divided it evenly among 300 million Americans, it works out to roughly $550 per person per month.

    So if it was "spread out evenly" - which is what Obama et al claim will make it cheaper - then a family of four would pay $2,200 per month. Which is nearly twice what I pay for my family of five now.

    Spreading it out doesn't make it cheaper, so... myth busted.

    And the last time I checked, the government doesn't have an extra $2 trillion laying around. In fact, they're about $1 trillion short of their CURRENT obligations.

    Last point... for those who claim "But if the government was the only one paying the bill they could force prices down".

    Ok... but they could also do that now. The government implements price controls on all sorts of industries. They do it all the time... food, car & homeowners insurance, oil companies, all sorts of things. They don't need to be the one paying the bill to tell a company "you can't charge that".

    Isn't it interesting how the average insurance company's profit margin is a mere 8%, but the medical providers - doctors/hospitals/pharmaceuticals/diagnostics/etc. have margins into the 300-1000% on medical goods and services?

    Yet our government doesn't talk about that. They only talk about insurance, as if all of the problems would magically be solved by changing who pays the bill.

    Ever wonder why?
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    • Originally Posted by ronrule View Post

      Well this certainly derailed what could have been an interesting topic. Let's try to get back on track for a minute with a bold statement:

      A single payer system would be much more expensive per-person, not cheaper. The numbers prove it.

      Here's why ...

      1. Changing who pays the bill doesn't change the price of care - which is the real problem, not insurance companies.
      2. The sum of everyone's medical bills is roughly $2 trillion per year. That's for CARE, not insurance... actual money paid to doctors/hospitals/etc.

      If you take $2 trillion and divided it evenly among 300 million Americans, it works out to roughly $550 per person per month.

      So if it was "spread out evenly" - which is what Obama et al claim will make it cheaper - then a family of four would pay $2,200 per month. Which is nearly twice what I pay for my family of five now.
      All the more reason to require that nearly all care be non-profit.
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      • Profile picture of the author ronrule
        Originally Posted by Hopeless Bromantic View Post

        All the more reason to require that nearly all care be non-profit.
        Unfortunately the so-called "non profit" facilities are the ones making the most money. The CEO of New York Presbytarian hospital makes $12 million per year as a salary. That's much higher than any two for-profit hospitals combined, and it's just one of many examples in the non-profit space.

        Here's the problem... creating cures and treatments costs money. The labs are expensive to create, researchers have to be paid, mice have to be genetically engineered with specific diseases in order to test the treatments, and the people who do that for a living don't work for free. Very little of this money comes from government... it comes from wealthy individuals and companies who seek to earn a return on their investment. Otherwise, they would just invest that money elsewhere.

        Case in point... let's say you had an extra $1 million laying around. Would you really spend that $1 million on a research project, that may yield NO results - remember only 1 out of 300 or so tests yield a significant break-through - when you could instead invest that same money into real estate, IPO's, startups, growth stock mutual funds, or any number of other less risky investments?

        The only reason you would even CONSIDER putting that money into medical research is if the return was SO substantial that it would make the risk of loss worth it. But in this example, you can't do that with $1 million... you would need $300 million divided among 300 separate $1 million investments. And that ONE that will work needs to be able to make you more than $300 million for it to have been worth it.

        That's why there are so few investors in early stage medical research, and thus so few medical research companies. Most of the research is happening at universities... but that costs money too. So the major medical providers, in particular the pharmaceuticals, offer grants to universities to keep the machine going. But in exchange, any discoveries become the property of said pharmaceutical.

        Because even though that "particular" project - the one that yielded the results - may have only cost the pharmaceutical $1 million, they still have to recover the money they spent on the LAST 300 projects which yielded nothing.

        The bottom line is that without profit in medicine, we wouldn't HAVE medicine.

        The people with the knowledge to do the research paid a lot of money to go to schools to get that knowledge. They can't afford to attend those schools by working for free. And those schools can't have those labs unless the people and organizations with the money required to fund them are willing to invest it.

        So you can't remove profit from medicine. Not today, at least. And not for the foreseeable future.

        In fact, I would go so far as to say that the ONLY way you could conceivably remove profit from medicine is when we've successfully mapped the human genome and every known element to the point where computer simulations can accurately test and predict the effects of every known organic and inorganic combination of elements on the human body.

        At that point, one could simply say "I wonder what would happen to a person suffering from X if we introduced Y with a little Z" - and the computer would tell them. Then there would be no need for R&D.

        But we're nowhere NEAR that with current technology.
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        • Originally Posted by ronrule View Post

          The bottom line is that without profit in medicine, we wouldn't HAVE medicine.
          Sorry, Ron, but I have to strongly disagree with you on that point. Yes, medical research is expensive. ALL scientific and technical research is expensive. However, it doesn't follow that the only way to fund it is by driving profits.

          Research universities, for example, are almost never required to demonstrate that a particular project that needs funding will be profitable in the future. They rely on private donations from wealthy individuals (and sometimes public subsidies).

          Obviously, profit-making research can coexist in such an environment, but its application is significantly limited. After all, no one will invest in a treatment for a condition that affects only "poor" patients.
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          • Profile picture of the author ronrule
            Originally Posted by Hopeless Bromantic View Post

            Sorry, Ron, but I have to strongly disagree with you on that point. Yes, medical research is expensive. ALL scientific and technical research is expensive. However, it doesn't follow that the only way to fund it is by driving profits.

            Research universities, for example, are almost never required to demonstrate that a particular project that needs funding will be profitable in the future. They rely on private donations from wealthy individuals (and sometimes public subsidies).
            I talked about universities in my previous post, yes they do get some private grants and public funding but the majority of their funding comes from purpose-based grants. For example at UF, most of their transgenic facility funding comes from Shands Cancer center. Without Shands funding the lab, there wouldn't BE a lab. And Shands wouldn't be funding that lab if they weren't allowed to monetize the results that came from it.

            The majority of the advancements we've seen over the last several decades have been because of profit. If we stop the profit, we'll be stopping those advancements... if you forcibly remove profit from medicine, you'd be removing the money that gets invested into it. It's a nice dream, but it's just not a practical solution.

            Kind of like single-payer health care... it's a nice dream, but it won't work here. It can work in smaller countries. It can work in countries that aren't on the cutting edge of medical developments. Heck, it can even work in countries that ARE on the cutting edge of medical developments if those countries are a little more socialist than we are and are thus structured in such a way to account for those costs. But it can't work HERE, in a country that's already in the hole for trillions of dollars, without changing all of the things that make us the leader in medical research world-wide. Changing who pays the bill doesn't fix any of that... and I wish people would wake up and realize that before we continue down the path we're on.

            I'm not particularly a fan of the Republican party, but they've been right on the health care issue more consistently than the Democrats. They were right when they said everything Obama was doing would make health care more expensive and result in more people without coverage than before the "fix" was implemented. They were right for the wrong reasons, but the end result is they were still right. The problem is, their "fix" won't be any better, because the problem has never been the cost of insurance. It's always been the cost of care.

            Originally Posted by Hopeless Bromantic View Post

            Obviously, profit-making research can coexist in such an environment, but its application is significantly limited. After all, no one will invest in a treatment for a condition that affects only "poor" patients.
            Come on man, that's a ridiculous statement... "the poor" are the largest cash cows for pharmaceutical companies, because their health problems are largely self-inflicted and thus the easiest to treat. The lower class are the largest source of income for pharmaceuticals.

            Birth control, anti-smoking drugs, STD treatments, sleep aids, and numerous over-the-counter remedies are their cash cows. These drugs target the general population, and are stacked largely toward the lower income spectrum... quite simply because you don't see a ton of wealthy smokers with STD's who have trouble sleeping and have ten kids. Statistically speaking, the wealthy are healthier and the poor have poor health habits - the reasons for that are an entirely different conversation topic, but make no mistake, a medical provider that cures what ails the poor is a stock you'll want to own more than those that focus on wealthier patients.

            Take a look at plastic surgery for example... it's actually price competitive. Insurance doesn't cover elective surgeries (reconstruction aside), so for the most part it's treated like a real business. Medical providers in this space have to advertise, they have to price themselves competitively, and more importantly they have to get RESULTS. How long would a plastic surgeon stay in business if they consistently performed uneven breast augmentations? Not long, obviously. Compare that to general hospitals who can screw up left and right, making mistake after mistake, and continue to operate because "they're insured for that".

            Treatments that affect the majority will always be more profitable than those that affect a minority. I'd rather sell 300 million packages of birth control at $40 per pop than sell $2 million artificial organs to a handful of wealthy individuals who can afford them.
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            • Originally Posted by ronrule View Post

              Kind of like single-payer health care... it's a nice dream, but it won't work here. It can work in smaller countries. It can work in countries that aren't on the cutting edge of medical developments. Heck, it can even work in countries that ARE on the cutting edge of medical developments if those countries are a little more socialist than we are and are thus structured in such a way to account for those costs. But it can't work HERE, in a country that's already in the hole for trillions of dollars, without changing all of the things that make us the leader in medical research world-wide.
              If millions of people are forced into bankruptcy by some catastrophic health problem, I'd say the price of being a 'leader' in medical research is simply too high to be worth it. Most of us would like to be able to plan for the future without feeling that we need about $3 million put by. (One thing that the ACA, for all its flaws, actually does fix.)
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              • Profile picture of the author ronrule
                Originally Posted by Hopeless Bromantic View Post

                If millions of people are forced into bankruptcy by some catastrophic health problem, I'd say the price of being a 'leader' in medical research is simply too high to be worth it. Most of us would like to be able to plan for the future without feeling that we need about $3 million put by. (One thing that the ACA, for all its flaws, actually does fix.)
                How does the ACA fix that when more people now have no health insurance than they did before the ACA was passed? Supposedly 5 million people signed up for the ACA... but 7 million people lost their coverage.

                But that's actually worse than it sounds when you think about it. Supposedly there were 40 million uninsured before the ACA, right? Well, now there are 42 million.

                So who are the 5 million who allegedly signed up? Are they 5 million of the original 40 million? Or are they 5 million of the 7 million that already had coverage and lost it? Either way you look at it, it's a net loss of covered citizens. This is typical of government "fixes".

                And you know that whole pre-existing condition thing and the maximum coverage stuff could have been fixed by legislation without a government-run health care plan, right? This is exactly what I'm talking about when I say the government doesn't need to "run" health care in order to fix it.

                But they didn't. Just like how they could have controlled the real price gouging that happens at the provider level instead of going after insurance companies making an average margin of 8%. But they didn't do that either.

                Why do you think that is?

                I can tell you my theory, but I'm curious to hear yours.
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                • Originally Posted by ronrule View Post

                  How does the ACA fix that when more people now have no health insurance than they did before the ACA was passed? Supposedly 5 million people signed up for the ACA... but 7 million people lost their coverage.
                  And of those, how many had any kind of catastrophic coverage before the ACA?

                  And you know that whole pre-existing condition thing and the maximum coverage stuff could have been fixed by legislation without a government-run health care plan, right? This is exactly what I'm talking about when I say the government doesn't need to "run" health care in order to fix it.
                  I never said it had to.

                  But they didn't. Just like how they could have controlled the real price gouging that happens at the provider level instead of going after insurance companies making an average margin of 8%. But they didn't do that either.

                  Why do you think that is?

                  I can tell you my theory, but I'm curious to hear yours.
                  My guess would be that big pharmaceuticals had better lobbyists than big insurance. (shrug)
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                  • Profile picture of the author ronrule
                    Originally Posted by Hopeless Bromantic View Post

                    And of those, how many had any kind of catastrophic coverage before the ACA?
                    All of them.

                    In fact, that's part of the reason those plans were canceled... they were designed for catastrophic coverage, with deliberately high deductibles.

                    In my opinion, those were the best plans. I had a plan where I paid roughly $250 per month for coverage for my family of five. With this plan, anything under $15,000 was my responsibility and anything over that was covered 100%. I really liked this plan because I knew that if anything catastrophic happened I'd be covered. I have no problem writing a $15,000 check. I know not everyone was in that position, but it was the perfect plan for me because I wasn't paying for coverage I didn't need.

                    The ACA said that wasn't a "good plan" because it didn't cover birth control or prescriptions and the deductible was too high. I knew that. That's why I picked it. Who are they to decide what kind of coverage I need? I'm now back on my company insurance, which costs my company $1,400 per month whether I use it or not. And this, according to the ACA, is "better". I disagree, but I now have no say in the matter.

                    Now do the math on that for a moment...

                    Prior to the ACA, the absolute worst case scenario for me would have cost me $18,000: $3,000 in the sum of my monthly premiums and my $15,000 deductible (which I've never hit, by the way - my most expensive year was $7,000 out of pocket. Most years weren't even $1,000).

                    But now, I'm paying $16,800 per year whether I need any medical services or not.

                    That's $16,800 that I'm paying to an "evil insurance company" that I wasn't paying before.

                    That's $16,800 that I'm not spending in the local economy.

                    That's $16,800 that I'm not spending on restaurants, traveling, goods and services, investments, my kids education, new cars so auto-builders have a job to go to, real estate so people who can't afford to buy a house yet can rent a nice place, etc. I have an unrestored classic car sitting in my garage right now that's going to cost about $15,000 to paint and finish. I haven't written that check yet... I can't decide if I want to put the money into that car or just sell it and move on. That's an auto painter and dozens of aftermarket parts manufacturers who won't be getting my money. All of the things that make economies work are no longer getting my extra cash, because I have to allocate $16,800 to something I had no intention of paying for. That causes me to think differently about how I spend the rest.

                    All so the number of people without insurance could increase by 2 million.

                    That's not a better deal. Not for me or anyone.

                    My guess would be that big pharmaceuticals had better lobbyists than big insurance. (shrug)
                    You're exactly right.

                    Ever notice how when the ACA was first being discussed, all of these highly-credentialed doctors, pharmaceutical companies, large employers, etc. all came out in support of it? Where they all talked about how great it would be if they didn't have to worry about who was paying the bill? And how the mainstream media repeated this message over and over, making sure to cite the credentials and vilify the insurance companies and their "obscene profits" in their reporting?

                    The people in the medical space did it because they knew as long as the focus was on the insurance companies and their profits, it wouldn't be on the providers and their profits. After all, they're "saving lives", it just "happens to be" profitable. And the employers, well, it's pretty obvious why they were onboard... one less expense off their plates.

                    So they blamed the insurance companies for the costs. They said "Look at United Health Care, they made $118 billion last year! Those greedy *******s!", casually neglecting to mention that of that $118 billion collected, $108 billion went right out the door in payments to medical service providers. Right into their pockets.

                    And you and the administration bought it hook, line, and sinker.

                    So here we are.

                    There are now 2 million more people without ANY insurance than when we started.

                    Small businesses - which includes franchises of large businesses - have implemented hiring freezes due to employer mandates. Many more are letting people go, reducing work hours, or investing in automation.

                    And meanwhile people like me, who were happy with their coverage and rate, are spending less with those small businesses at the time when they need our business the most, because now we're paying more money to the very "evil insurance companies" we had successfully avoided paying so much to previously.

                    But I guess somehow that makes sense to you. Because now those very same care providers, who cried because they could only charge $1 million for cancer treatments before the insurance company said "No more money for you", can charge $2 or $3 million and the insurance companies are forced to pay it.

                    And you think this is a good deal? You think this is "worth it" and "better than it was before"? I don't normally insult people, but dude... if you really think that... you're a f*ing idiot. I mean, there's just no other way to put it.

                    This the most perfect example of the unintended consequences of letting people who don't understand math make decisions that we'll ever see in our lifetime.

                    You see, the people who lobbied for this understood the math. They knew exactly what they were doing. They knew all of that money would float right to them. And they won. They won because people like you, and the politicians you elected, were too stupid to see what they were doing.
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                    • Originally Posted by ronrule View Post

                      But I guess somehow that makes sense to you. Because now those very same care providers, who cried because they could only charge $1 million for cancer treatments before the insurance company said "No more money for you", can charge $2 or $3 million and the insurance companies are forced to pay it.

                      And you think this is a good deal? You think this is "worth it" and "better than it was before"? I don't normally insult people, but dude... if you really think that... you're a f*ing idiot. I mean, there's just no other way to put it.
                      Now that actually is a ridiculous argument.

                      Care providers were still charging $2-3 million, even when the insurance companies paid only $1 million: it's just that almost no patient could ever hope to pay it.

                      By the way: Not sure you noticed how many times "I" and "my" appeared in your last post, but national policy isn't supposed to be all about you, dude. Not that there's anything wrong with voting in your own self interest, but you're getting close to megalomanic. A little altruism never killed anyone.
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                      • Profile picture of the author MikeAmbrosio
                        Originally Posted by Hopeless Bromantic View Post

                        Now that actually is a ridiculous argument.

                        Care providers were still charging $2-3 million, even when the insurance companies paid only $1 million: it's just that almost no patient could ever hope to pay it.

                        By the way: Not sure you noticed how many times "I" and "my" appeared in your last post, but national policy isn't supposed to be all about you, dude. Not that there's anything wrong with voting in your own self interest, but you're getting close to megalomanic. A little altruism never killed anyone.
                        Well, I guess my family is just lucky.

                        3 separate members who fought cancer. In all 3 cases, when the insurance company decided they didn't want to pay something the bill from the care providers to the family were suddenly and magically reduced to either nothing or very close to nothing.

                        That's 100% of the people I knew who had to fight cancer.

                        One reason I think that happened is because the care providers submitted bills to the insurance company for twice what it was worth knowing they would not pay it all (like the example I gave earlier about the therapist I saw).

                        Tough situation all around. No easy answer. Frankly, I don't see the ACA as the answer. From the recent updates and reports I have been reading it really looks like we'll be worse off than we are now. And no - not all these reports come from right wing news sources. One big one comes from our very own government.
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                        • Originally Posted by MikeAmbrosio View Post

                          Well, I guess my family is just lucky.

                          3 separate members who fought cancer. In all 3 cases, when the insurance company decided they didn't want to pay something the bill from the care providers to the family were suddenly and magically reduced to either nothing or very close to nothing.

                          That's 100% of the people I knew who had to fight cancer.
                          That was lucky. Some care providers have been extremely vicious about trying to collect. Groupthink gone way out of control, perhaps.
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                      • Profile picture of the author ronrule
                        Originally Posted by Hopeless Bromantic View Post

                        Now that actually is a ridiculous argument.

                        Care providers were still charging $2-3 million, even when the insurance companies paid only $1 million: it's just that almost no patient could ever hope to pay it.

                        By the way: Not sure you noticed how many times "I" and "my" appeared in your last post, but national policy isn't supposed to be all about you, dude. Not that there's anything wrong with voting in your own self interest, but you're getting close to megalomanic. A little altruism never killed anyone.
                        You've completely missed the point... Setting a price so high your customer can't afford to pay it normally gives you two options: lower it, or lose the customer and get nothing. Instead, they found door number three - trick the government into MAKING your customer pay it. The fact that you're convinced this was a good thing proves you don't understand enough about this subject or how economies work to participate in a discussion about it. And that's OK, there is nothing wrong with that. But it doesn't make a lot of sense to try and offer an answer when you don't understand the problem. Trying to deflect the conversation to my use of real life examples doesn't change the problem. It defines it.
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                        • Originally Posted by ronrule View Post

                          You've completely missed the point... Setting a price so high your customer can't afford to pay it normally gives you two options: lower it, or lose the customer and get nothing.
                          And that's exactly why a 'normal' free market can't work with health care. No matter how you try to dress it up, you can't escape the fact that you're not a "customer" when you are critically wounded and get put into the nearest ambulance. You can't be shopping around at that point - and many care providers have taken unconscionable advantage of that.

                          Anyone who doesn't recognize this very simple fact certainly can't claim to understand the problem.
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                          • Profile picture of the author ronrule
                            Originally Posted by Hopeless Bromantic View Post

                            And that's exactly why a 'normal' free market can't work with health care. No matter how you try to dress it up, you can't escape the fact that you're not a "customer" when you are critically wounded and get put into the nearest ambulance. You can't be shopping around at that point - and many care providers have taken unconscionable advantage of that.

                            Anyone who doesn't recognize this very simple fact certainly can't claim to understand the problem.
                            I agree with you - which is why I say the solution to health care costs starts at the PROVIDER level, not with the insurance companies. But this government has been ignoring that issue in favor of vilifying the insurance companies. Now we have a real mess on our hands thanks to their "fix" ... Higher costs, fewer people insured, and a system more broken than when they started. And what do the politicians do about it? Nothing. One side is desperate to cover up the disaster they created so they talk around it, and the other side points out all of the mistakes to gain political ground while offering no solutions of their own to solve the root problem. Meanwhile, the mindless peasants who have chosen one side or the other just continue to defend the actions of their party.

                            NOBODY won here. NOBODY is better off now. Even the handful of people who have coverage now and didnt before aren't "saving money", they are still spending more than they would have for a comparable private plan a few years ago. Surely you can see that. The only thing positive thats came out of the ACA is the knowledge that something as important as your health shouldn't be entrusted to politicians. But sadly most people continue to miss that point.
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                            • Originally Posted by ronrule View Post

                              I agree with you - which is why I say the solution to health care costs starts at the PROVIDER level, not with the insurance companies.
                              Unless I missed something, you haven't proposed any solutions for it either. You don't like requiring any care to be non-profit, so how would you control costs?

                              NOBODY won here. NOBODY is better off now. Even the handful of people who have coverage now and didnt before aren't "saving money", they are still spending more than they would have for a comparable private plan a few years ago. Surely you can see that.
                              If they were insurable at all. Cherry-picking and lemon-dropping were both huge problems here.
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                              • Profile picture of the author Aaron Doud
                                Originally Posted by Hopeless Bromantic View Post

                                Unless I missed something, you haven't proposed any solutions for it either. You don't like requiring any care to be non-profit, so how would you control costs?


                                If they were insurable at all. Cherry-picking and lemon-dropping were both huge problems here.
                                I suspect like most libertarian minded people he would come around to something like what I just posted.

                                Turning it into something like car insurance. Laws for minimum coverage and such but the vast majority paid by the end consumer.

                                And the people who couldn't pay would be helped by charities like they were before health insurance became the norm.

                                ACA was the exact opposite of the correct fix from an economic POV. It should therefore cause prices to go up faster (appears to be doing that) but we will have to wait and see.

                                Of course the other solution which the more socialist minded would name is single payer.

                                It works as well but I believe that the free market works better. We can debate that but no one on either side of the debate should be in favor of ACA. It does not fix the problem.

                                The only people it helps are those with pre-existing conditions who were being serviced by high risk pools already. And who often are out of work (due to illness) and therefore would qualify for Medicaid/etc.

                                Yes ACA helped people and no one will deny that something needed to be done.

                                But what made health care so unaffordable for them is the same thing that makes it unaffordable for the rest of us. And that ACA made worse.
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                              • Profile picture of the author seasoned
                                Originally Posted by Hopeless Bromantic View Post

                                Unless I missed something, you haven't proposed any solutions for it either. You don't like requiring any care to be non-profit, so how would you control costs?


                                If they were insurable at all. Cherry-picking and lemon-dropping were both huge problems here.
                                Don't you love this! IN ONE EAR, OUT THE OTHER! People HAVE proposed solutions!

                                1. CUT COSTS!!!!!!!!!!! That is COSTS! COSTS means what the CARE costs! It is the basis of the insurance cost! It affects *****EVERYTHING*****!
                                2. DON'T tax things like supplies and devices!
                                3. DON'T provide various surcharges!
                                4. REDUCE LITIGATION!
                                5. REDUCE INFLATION!

                                ALL of those can be done ONLY by the government! WHY? Because THEY are the PROBLEM!

                                6. INCREASE COMPETITION!
                                7. STANDARDIZE the basics for states!
                                8. ALLOW all into all states!
                                9. FORCE agencies to all accept ALL CLIA WAIVED devices and their use!
                                10. FORBID needless obsolescence.

                                There are undoubtedly others, but the ones above would have saved ME, AND my insurance company, THOUSANDS over the past few years! Number 9 ALONE would have saved me about $50-$500 a MONTH for the past 15 years, and #10 would have saved me, and my insurance company, an ADDITIONAL $80/month over the past 2 years! And the BEST part? It would cost the american taxpayer *******ZERO*******! I mean not ONE penny! It would just be a minor change to the law. In fact, several hospitals here had to spend an extra $7 per patient per month AND an extra $2500 per device several years back. #10 would have reduced that cost to ZERO! It would have SAVED every patient(and I am talking about EASILY THOUSANDS) perhaps 10 minutes a month.

                                How much money would this have saved KIM?

                                Steve
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                            • Profile picture of the author TimPhelan
                              Originally Posted by ronrule View Post

                              But this government has been ignoring that issue in favor of vilifying the insurance companies.
                              Good grief. The ACA is a boom now and will be even more of a boom for insurance companies in years to come. Some vilifying may come from those in favor of single payer but lets be clear that while regulations are being placed on the health insurance companies, they will profit greatly from the ACA.

                              Originally Posted by TLTheLiberator View Post

                              I also dispute your claim that less people have insurance than before the ACA.
                              And you have good reason to dispute that because it simply isn't true. The number of uninsured has already gone down significantly.

                              The percentage of Americans without health insurance continues to fall, measuring 15.9% so far in 2014 compared with 17.1% in the fourth quarter of 2013.
                              U.S. Uninsured Rate Continues to Fall
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                              • Profile picture of the author garyv
                                Originally Posted by TimPhelan View Post


                                The percentage of Americans without health insurance continues to fall, measuring 15.9% so far in 2014 compared with 17.1% in the fourth quarter of 2013.


                                And you have good reason to dispute that because it simply isn't true. The number of uninsured has already gone down significantly.



                                U.S. Uninsured Rate Continues to Fall
                                That poll doesn't mention that the number of uninsured was at 15.4% when Obama took office. So even though it's trending down, it's actually still higher. And the only reason it's trending down right now is because of the deadline. Many of those signing up will receive their first bill and be uninsured again.
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                                • Profile picture of the author seasoned
                                  Originally Posted by garyv View Post

                                  That poll doesn't mention that the number of uninsured was at 15.4% when Obama took office. So even though it's trending down, it's actually still higher. And the only reason it's trending down right now is because of the deadline. Many of those signing up will receive their first bill and be uninsured again.
                                  Don't forget that at least around 20% are KNOWN to have not paid, so they are NOT covered! People have lost jobs and also had insurance dropped! ALSO, when asked, nobody could give a clear answer. ALSO, they earlier caused confusion that may STILL exist! HOW many "signups" are LEGIT? HOW many are for actual insurance!

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                                • Profile picture of the author TimPhelan
                                  Sure it does. It goes back to 2008. That's irrevelant though because we're discussing the ACA which didn't start signups until late last year.

                                  Originally Posted by garyv View Post

                                  That poll doesn't mention that the number of uninsured was at 15.4% when Obama took office. So even though it's trending down, it's actually still higher. And the only reason it's trending down right now is because of the deadline. Many of those signing up will receive their first bill and be uninsured again.
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                                  • Profile picture of the author TLTheLiberator
                                    Originally Posted by TimPhelan View Post

                                    Sure it does. It goes back to 2008. That's irrevelant though because we're discussing the ACA which didn't start signups until late last year.

                                    Tim, I wish these folks would try to concentrate on the big picture and stop the adolescent nit-picking.

                                    What amazes me is how many of these good folks would snatch the new set of HC benefits and protections away from the American people if they could.
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                                    • Profile picture of the author garyv
                                      Originally Posted by TLTheLiberator View Post

                                      Tim, I wish these folks would try to concentrate on the big picture and stop the adolescent nit-picking.

                                      What amazes me is how many of these good folks would snatch the new set of HC benefits and protections away from the American people if they could.

                                      Um... hello - most of us ARE the American people - and we already know from experience that it's no where near as good or cheap as what we already had.
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                                      • Originally Posted by garyv View Post

                                        Um... hello - most of us ARE the American people - and we already know from experience that it's no where near as good or cheap as what we already had.
                                        From your own experience. Nobody else's.

                                        Let me ask you a hypothetical question that has nothing to do with health care. If you were able to vote on some new legislation, and you knew that the proposed law would be bad for your town/state/country but would be very beneficial for you....would you support it?
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                                        • Profile picture of the author garyv
                                          Originally Posted by Hopeless Bromantic View Post

                                          From your own experience. Nobody else's.

                                          Let me ask you a hypothetical question that has nothing to do with health care. If you were able to vote on some new legislation, and you knew that the proposed law would be bad for your town/state/country but would be very beneficial for you....would you support it?
                                          It depends on what it is. If it's legislation that says I no longer have to pay taxes for a bloated piece of unnecessary legislation, then yes - I don't care who it's benefiting.
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                                      • Profile picture of the author TLTheLiberator
                                        Originally Posted by garyv View Post

                                        Um... hello - most of us ARE the American people - and we already know from experience that it's no where near as good or cheap as what we already had.
                                        And one plus one equals three.
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                                        • Profile picture of the author seasoned
                                          Originally Posted by TLTheLiberator View Post

                                          And one plus one equals three.
                                          OK I guess I don't have to ask you what you think 2+2 is.

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                                      • Profile picture of the author MikeTucker
                                        Originally Posted by TLTheLiberator View Post

                                        Tim, I wish these folks would try to concentrate on the big picture and stop the adolescent nit-picking.
                                        I have learned to "judge slowly" but so far I support the ACA.
                                        It has many problems and has already raised my own expenses
                                        significantly, but frankly the previous system (or lack of one!)
                                        was horribly broken. At least someone has done something,
                                        and now corrections and adjustments can be made.

                                        That being said, the "big picture" may look good to some people,
                                        but "the devil is in the details". A lot of people are being hit
                                        with sticker shock right now and I think that anyone who
                                        supports and promotes the ACA should probably be sensitive
                                        to that?



                                        Originally Posted by garyv View Post

                                        Um... hello - most of us ARE the American people - and we already know from experience that it's no where near as good or cheap as what we already had.
                                        Yeah, it always amuses me when someone starts their sentence with
                                        "The American people want..." and then go on to promote what only
                                        a fraction of them want. :rolleyes:

                                        That being said, "what we've had" is hardly "good"... There is a huge
                                        divide between the wealthy and the poor, and those who have had great
                                        insurance and those who have not had it.

                                        Nor was it "cheap". You can make the argument that the ACA is
                                        going to drive costs up-- I'm not sure I agree in most ways, but
                                        the argument can be made convincingly.

                                        But you cannot really call it "cheap" when it is one of the most
                                        expensive in the world?
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                                        • Profile picture of the author seasoned
                                          Originally Posted by MikeTucker View Post

                                          But you cannot really call it "cheap" when it is one of the most
                                          expensive in the world?
                                          QUICK!

                                          ONE plan says it costs $X, and will pay anything over what is about 1/3 of what you pay in the average year, and as little as about 1/14th of what you have paid. It has a history, and you have NEVER had a case where a provider was out of network, let alone not covered.

                                          ANOTHER plan says it costs many times the other. the deductible is about 14 times as high, and you have spoken with doctors that said they wouldn't be under the plans. It has NO history!

                                          WHICH is cheaper? I would rather pay the lower cost for the plan that covers enough that I may see a benefit, and has the history. This is ESPECIALLY true since I can NOT pick my doctors!!!!!!!!! SERIOUSLY! Am I supposed to ask for referrals in ALL the cities I go to, try to find transportation that MAY NOT EXIST, and call up doctors that may have LAST MINUTE SURPRISES, etc?????? I don't even get info detailed enough for that. I don't have the time to call around. And I certainly can't do it if I am unconscious in an AMBULANCE.

                                          When I nearly died about a decade ago, I had things ALL PLANNED OUT! I asked the ambulance to take me to this BIG, WELL RESPECTED, hospital NEARBY!(Luckily, it happened near home, and I checked out ALL such things when I moved here.) They suggested another over 10 miles farther away! WHY? Because it had the best reputation of heart related care in the state and was more likely to be able to help me than the one I asked to go to. What if IT were "OUT OF NETWORK"? What if doctors THERE weren't "ON THE PLAN"?

                                          Let me make it simple! That first plan is COST EFFECTIVE! I can afford it, and it will pay enough that it is worth it. That second plan is a RIPOFF! Unless I have a MAJOR operation, like I had before, I won't see a benefit. EVEN THEN, it would likely bankrupt me. It isn't much better than the policy I indicated with a trillion dollar deductible.

                                          I only hope that if my policy is dropped that the guy at the insurance company was right and I could get a far better one direct from them. Still, I would likely have to pay for that out of my pocket, and that is LOUSY!

                                          BTW Ezekiel Emanuel is gloating that employer provided plans will soon be GONE!!!!!

                                          http://www.kaiserhealthnews.org/Dail...cy-issues.aspx

                                          Steve
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                                        • Originally Posted by MikeTucker View Post

                                          I have learned to "judge slowly" but so far I support the ACA.
                                          It has many problems and has already raised my own expenses
                                          significantly, but frankly the previous system (or lack of one!)
                                          was horribly broken. At least someone has done something,
                                          and now corrections and adjustments can be made.
                                          I don't expect the ACA to be exactly the same in 20 years as it is today. However, the differences are likely to be small ones.

                                          Once there has been enough time to collect data, it will become much clearer who is profiting unreasonably from the new law and who's getting the short shrift. Hopefully, we'll have sane people in Congress at that point who will tweak the provisions of the law accordingly.
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                                          • Profile picture of the author MikeAmbrosio
                                            Originally Posted by Hopeless Bromantic View Post

                                            I don't expect the ACA to be exactly the same in 20 years as it is today. However, the differences are likely to be small ones.

                                            Once there has been enough time to collect data, it will become much clearer who is profiting unreasonably from the new law and who's getting the short shrift. Hopefully, we'll have sane people in Congress at that point who will tweak the provisions of the law accordingly.
                                            "Unreasonable Profits" is an oxymoron for big business AND the government. There's no such thing. It's only trotted out during election cycles so they can make people think that they're doing something in their best interest.

                                            Make no mistake - profits may "dip" from time to time, but they will never go down significantly, no matter how "unreasonable" it may be. Just look at history.

                                            Health care costs - whether we're talking about ACA or private business - will continue to rise. From where I sit, the legislation is simply a case of frying pan/fire. A handful of "new benefits no one had before" doesn't fool everyone.
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                                            • Originally Posted by MikeAmbrosio View Post

                                              "Unreasonable Profits" is an oxymoron for big business AND the government. There's no such thing.
                                              Demonstrably untrue: price gouging and price fixing has a long history in many industries.

                                              Make no mistake - profits may "dip" from time to time, but they will never go down significantly, no matter how "unreasonable" it may be. Just look at history.

                                              Health care costs - whether we're talking about ACA or private business - will continue to rise.
                                              You're tripping over your own rhetoric. A rise in costs does not necessarily come with a rise in profits.
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                                              • Profile picture of the author MikeAmbrosio
                                                Originally Posted by Hopeless Bromantic View Post

                                                Demonstrably untrue: price gouging and price fixing has a long history in many industries.


                                                You're tripping over your own rhetoric. A rise in costs does not necessarily come with a rise in profits.
                                                And you know exactly what I mean and you're skirting the meaning.

                                                Maybe not "necessarily". But be honest - how many entities are willing to eat those rising costs? At least consistently? We're talking long haul here.
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                                                • Originally Posted by MikeAmbrosio View Post

                                                  And you know exactly what I mean and you're skirting the meaning.

                                                  Maybe not "necessarily". But be honest - how many entities are willing to eat those rising costs? At least consistently? We're talking long haul here.
                                                  This is a forum of entrepreneurs. We of all people should be well aware that we can't expect to mechanically jack up our prices just because some of our vendors raise their costs on us.

                                                  Yes, in the long haul, everyone in every industry raises prices, but it has to be done at times when the market is willing to eat the cost. Not before.
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                                                  • Profile picture of the author MikeAmbrosio
                                                    Originally Posted by Hopeless Bromantic View Post

                                                    This is a forum of entrepreneurs. We of all people should be well aware that we can't expect to mechanically jack up our prices just because some of our vendors raise their costs on us.

                                                    Yes, in the long haul, everyone in every industry raises prices, but it has to be done at times when the market is willing to eat the cost. Not before.
                                                    We're not talking about small entrepreneurs with a limited customer base. We're talking about large companies and our government - the latter of which has a long history of not really concerning itself too much on what we the people have to pay to make up shortfalls and fund the coffers. The LAST thing they ever want to do is cut their own costs and LOWER the debt.

                                                    I appreciate what you're saying, but it's apples and oranges in reality. I would have more faith in the private sector acting as you describe - but certainly not the government.
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                                                    • Originally Posted by MikeAmbrosio View Post

                                                      We're not talking about small entrepreneurs with a limited customer base. We're talking about large companies and our government - the latter of which has a long history of not really concerning itself too much on what we the people have to pay to make up shortfalls and fund the coffers. The LAST thing they ever want to do is cut their own costs and LOWER the debt.

                                                      I appreciate what you're saying, but it's apples and oranges in reality. I would have more faith in the private sector acting as you describe - but certainly not the government.
                                                      Let me assure you, it applies to large companies every bit as much as it does to us.

                                                      As for the government, like you said, they don't have a timetable on which to "make up shortfalls," but that actually makes them more willing to eat the increased costs, not less. After all, it's the most politically expedient thing to do.
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                                                      • Profile picture of the author garyv
                                                        Originally Posted by Hopeless Bromantic View Post


                                                        As for the government, like you said, they don't have a timetable on which to "make up shortfalls," but that actually makes them more willing to eat the increased costs, not less.
                                                        And by them, you actually mean us. Whatever the government pays for, we pay for. Eating increased costs without accountability actually makes them worse than an insurance company.
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                                                      • Profile picture of the author MikeAmbrosio
                                                        Originally Posted by Hopeless Bromantic View Post

                                                        Let me assure you, it applies to large companies every bit as much as it does to us.
                                                        We're talking theory and reality. But we could go back and forth all day and make no progress.

                                                        Originally Posted by Hopeless Bromantic View Post

                                                        As for the government, like you said, they don't have a timetable on which to "make up shortfalls," but that actually makes them more willing to eat the increased costs, not less. After all, it's the most politically expedient thing to do.
                                                        Well, it's apparent you trust the government will do all it says it will - that's fine. But if you don't mind, I'll disagree with your opinion here. I think you're partially correct though - they will "eat" some increased costs. Just about once every 4 years. THAT is the politically expedient thing to do
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                                                        • Originally Posted by MikeAmbrosio View Post

                                                          We're talking theory and reality. But we could go back and forth all day and make no progress.
                                                          A large cargo ship has no more control over the ocean and the weather than a small yacht does.

                                                          Well, it's apparent you trust the government will do all it says it will - that's fine.
                                                          Pretty sure I never implied any such thing. The government is run by humans, all of whom are less than perfect. I have no problem with watchdogs looking for incompetence as well as dishonesty.

                                                          But if you don't mind, I'll disagree with your opinion here. I think you're partially correct though - they will "eat" some increased costs. Just about once every 4 years. THAT is the politically expedient thing to do
                                                          Perhaps. But I wouldn't be surprised if the largest campaign contributors have longer attention spans.

                                                          One of the worst problems that any representative government has is that there is no political reward for saving the government money. The only rewards come when legislators figure out whom to spend the money on.
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                                                          • Profile picture of the author MikeAmbrosio
                                                            Originally Posted by Hopeless Bromantic View Post


                                                            One of the worst problems that any representative government has is that there is no political reward for saving the government money. The only rewards come when legislators figure out whom to spend the money on.
                                                            So THAT'S why they spend so much... for the reward!

                                                            Ah - I understand now.
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                                                            • Originally Posted by MikeAmbrosio View Post

                                                              So THAT'S why they spend so much... for the reward!

                                                              Ah - I understand now.
                                                              It's about time. Now perhaps you can begin to appreciate those Schoolhouse Rock videos.
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                                                              • Profile picture of the author MikeAmbrosio
                                                                Originally Posted by Hopeless Bromantic View Post

                                                                It's about time. Now perhaps you can begin to appreciate those Schoolhouse Rock videos.

                                                                LOL - forgot about those.
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                                                          • Profile picture of the author MikeTucker
                                                            Originally Posted by ronrule View Post

                                                            You know, these opinions are all well and good, but none of them really change the fact that if you add up everyone's medical bills it's still more than $2 trillion per year. We can tweak the ACA. We can scrap it and go back to the way things were. We can nuke all of the insurance companies and become an "everyone for himself" system. But none of those things make that $2 trillion go away.
                                                            So, if we're going to pay it anyway, why not make it work for everyone?


                                                            Originally Posted by ronrule View Post

                                                            For those who say health care should be a "right", I would argue that and say it's more of a "responsibility" than a right. In order for health care to be a right, that means all doctors and medical service providers must be willing to work for free. Right?

                                                            Think about that for a minute... health care can only be a right if those who provide health care are willing to do so without getting paid. After all, one cannot be denied their rights based on ability to pay, therefore if I'm a health care provider I would be denying you your "basic human right" by not treating you for free.
                                                            It's the same for food and shelter. It may not be a "right" and rather a "responsibility"
                                                            but is that a reason for those of us who are stronger to ignore the weaker that
                                                            are suffering below us?


                                                            Originally Posted by ronrule View Post

                                                            Obviously that won't work. Someone has to pay the bill... but who? Who's responsibility is it to pay YOUR medical bills, if not yours?
                                                            ***
                                                            Bring back the annual physical... and use it to set the rate.

                                                            My life insurance would be more expensive if I wrestled alligators or sky dived for a living because I'm a greater risk, right? Why shouldn't health insurance be priced the same way?
                                                            I cut out a big part of your post for the sake of space,
                                                            but I'm absolutely loving this idea!

                                                            And not just because it would benefit me. As previously
                                                            pointed out I am paying more under the new system and I
                                                            have no problem with this. Such an incentive for getting
                                                            people to live a healthier lifestyle would lower the overall
                                                            costs and encourage people to live a happier, more productive
                                                            life.




                                                            Originally Posted by ronrule View Post

                                                            Isn't this supposed to be a free country? Why is the government in a "free country" forcing me to buy a product I don't want, with benefits I don't need?

                                                            That's not really a good situation to be in. Wouldn't it be better to "vote with your dollars" by not continuing to do business with them? In the private health care scenario, if I don't like my provider I can switch. If I don't like my insurance company, I can switch. But when government is in charge I can't. My right to choose has been taken away - or at the very least, severely limited.

                                                            I'm not OK with that, and you shouldn't be either.

                                                            Everyone is going to need healthcare at some point.
                                                            And I also wish that everyone could pay for only what they need.

                                                            The problem is that the prices are linked so strongly to mass purchasing.
                                                            The FCC has been trying for more than a decade to force DirecTv to allow
                                                            customers to buy only the channels they want, instead of buying a package.
                                                            The problem is that prices are only so low because of collective pricing...
                                                            If people were allowed to buy only the exact things they wanted,
                                                            it would be far beyond their budget.

                                                            The problem of course, is that if I don't like DirecTv's packages,
                                                            I can switch-- Or give up Sat TV altogether and get all of my videos
                                                            from Netflix, Youtube, and Twitch, etc.

                                                            The government isn't allowing those choices at the moment,
                                                            and that's a problem, I agree.

                                                            And going back to the people who prefer "alternative" treatments,
                                                            do insurance companies even work with them at all?
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                                  • Profile picture of the author garyv
                                    Originally Posted by TimPhelan View Post

                                    Sure it does. It goes back to 2008. That's irrevelant though because we're discussing the ACA which didn't start signups until late last year.
                                    Well then the poll itself is not even relevant yet - because no one has paid for this thing yet. Wait until people get their bills, and then let's watch that same poll.
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                          • Profile picture of the author Aaron Doud
                            Originally Posted by Hopeless Bromantic View Post

                            And that's exactly why a 'normal' free market can't work with health care. No matter how you try to dress it up, you can't escape the fact that you're not a "customer" when you are critically wounded and get put into the nearest ambulance. You can't be shopping around at that point - and many care providers have taken unconscionable advantage of that.

                            Anyone who doesn't recognize this very simple fact certainly can't claim to understand the problem.
                            I disagree with you - and sadly kinda with Ron - on this.

                            Ron started the idea of the path I went down but he didn't see it all the way to it's free market end point.

                            But to understand how it would work let's look at the closest real world equivalent: Car Insurance
                            It is a form of insurance that....
                            1. nearly everyone has
                            2. almost 100% of those who have it will end up using it.
                            3. has relatively high prices both for the insurance and the end providers.
                            4. when people need it they often don't have time to price shop and simply take the recommendations of the insurance company
                            But it is different in one key regard. It is catastrophic in nature. It doesn't pay for oil changes, tires, gas, or etc. Not the way that health insurance pays for checks ups, minor surgeries, medicines, and etc.

                            And that key difference is what allows the free market to still work on it.

                            Oil changes cost $20 to $50 in nearly all cases. Why? Because if they charged more the people would go to someone who charged less. It trains the consumer and the businesses to find the best price for both of them.

                            In health care this vital function of the free market is removed. In fact the way it was removed it actually causes prices to go up for the end consumer.


                            Follow along...
                            1. End Customers no longer price shop
                            2. Medical Providers raise prices as high as they can because no one will leave over the doctor visit costing too much
                            3. The insurance companies try to control prices by setting "networks"
                            4. But if the network gets to small the end consumer will choose another insurance company
                            5. Prices of course raise much faster than inflation since the insurance companies have little control since they need the providers in network.
                            6. Insurance companies pass on cost increases to end consumer
                            7. Consumers get mad at insurance companies for raising prices and never blame their doctors (see the problem here?)
                            8. Since they are "paying" for it the end consumers use their health insurance more. (this sadly was a selling point of ACA)
                            9. Since insurance is used more the costs go up and the insurance company has to raise prices again
                            10. Repeat again and again
                            The price pressure is literally designed to make prices go up vs. down.

                            But what about the catastrophic? There could never be price controls there or could there be?

                            Let's look at car insurance. Since the pressure of the free market is to keep prices down and because the vast majority of repairs are paid for by the end consumer something called "labor rates" exist.

                            Rather you are fixing a belt or rebuilding a car these labor rates are relatively low. And no insurance company, end consumer, or the public will let them get away with charging more for a wrecked car vs. a simply fix. Yes the major fix takes more time (more people and tech in the health world) but the labor rate is the same.

                            There is no reason what so ever that the free market would not function fundamentally the same for health insurance.

                            You can claim a million reasons but we can look at example after example where this remains true. Even with vets and dentists this is true.

                            Remember there are forms of health care that are controlled by market forces. Where they have to show their prices to the end consumer because that end consumer is paying for them directly. And they have to compete with other providers.
                            1. Plastic Surgery: Not covered by insurance but offers financing
                            2. Dentist: Very little insurance and most things are paid out of pocket.
                            3. Vets: Even less insurance (similar procedures are often 100's of times less then for a human)
                            Why does it work for them but it wouldn't work for the rest of health care?
                            Why does it work for Car Insurance?
                            Why does it work for Homeowners Insurance?

                            Why for all these other examples but not for mainstream Health Care?

                            Sorry but the free market works and hopefully you will come back to the Libertarian side.
                            Yes the provider costs are the problem but the solution is on the insurance side. By making the pre-paid health care we call insurance illegal and making people but only catastrophic policies with deductibles of their choosing.

                            We know the model works, because the car insurance industries has shown us the way.
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                            • Originally Posted by Aaron Doud View Post

                              I disagree with you - and sadly kinda with Ron - on this.

                              Ron started the idea of the path I went down but he didn't see it all the way to it's free market end point.

                              But to understand how it would work let's look at the closest real world equivalent: Car Insurance

                              ...[just saving space here]


                              Yes the provider costs are the problem but the solution is on the insurance side. By making the pre-paid health care we call insurance illegal and making people but only catastrophic policies with deductibles of their choosing.

                              We know the model works, because the car insurance industries has shown us the way.
                              I'm willing to meet you halfway on this, Aaron.

                              Free market principles can definitely work for insuring elective procedures (e.g., plastic surgery), and routine care. When it comes to catastrophic care, however, the car insurance model completely breaks down (no pun intended).

                              The reason is quite straightforward: if a car is totaled, there's a very clear limit on how much an equivalent replacement might be. If a human suffers some kind of catastrophic issue, no such limit - or even a method of establishing one - exists.
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                              • Profile picture of the author Aaron Doud
                                Originally Posted by Hopeless Bromantic View Post

                                I'm willing to meet you halfway on this, Aaron.

                                Free market principles can definitely work for insuring elective procedures (e.g., plastic surgery), and routine care. When it comes to catastrophic care, however, the car insurance model completely breaks down (no pun intended).

                                The reason is quite straightforward: if a car is totaled, there's a very clear limit on how much an equivalent replacement might be. If a human suffers some kind of catastrophic issue, no such limit - or even a method of establishing one - exists.
                                The collector car insurance market has something called "agreed value" where the car is insured for a set value often higher then the market price.

                                A similar effect would be in effect here. No one would buy (or at least few would) a product with maximum limits (which until ACA we had in health insurance anyways) if they understood them. In fact you could pass a law about that just like part of ACA did.

                                Problem fixed.

                                But without out Pre-Paid Health Care model of insurance the prices would be lower.

                                Catastrophic events would cost much less like they do in the car world.

                                Fixing these minor problems in the free market is easy. Either via the law or the market itself.

                                Trust me the insurance company offering policies with limits will lose business to the one without once the news breaks of people dying.

                                Plus once again the charities will step in like they did in the past. Not to mention there are already laws that doctors must save lives so the people get the care rather the insurance company pays or not.
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                                • Originally Posted by Aaron Doud View Post

                                  The collector car insurance market has something called "agreed value" where the car is insured for a set value often higher then the market price.

                                  A similar effect would be in effect here. No one would buy (or at least few would) a product with maximum limits (which until ACA we had in health insurance anyways) if they understood them. In fact you could pass a law about that just like part of ACA did.

                                  Problem fixed.
                                  Not really. With humans, there's no socially acceptable way to arrive at an "agreed value." (And there probably shouldn't be.)

                                  Originally Posted by Aaron Doud View Post

                                  Plus once again the charities will step in like they did in the past.
                                  It would be a huge mistake to rely on charities. Donations to them are very dependent on the economy.

                                  Originally Posted by Aaron Doud View Post

                                  Not to mention there are already laws that doctors must save lives so the people get the care rather the insurance company pays or not.
                                  Somebody still has to pay the bill, however.

                                  The free market is a wonderful thing, but there are some things in this world that it's simply not equipped to handle.
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                                  • Profile picture of the author Aaron Doud
                                    Originally Posted by Hopeless Bromantic View Post

                                    Not really. With humans, there's no socially acceptable way to arrive at an "agreed value." (And there probably shouldn't be.)
                                    Once again if we as a society do not trust the market to set a fair value we can simply pass a small law to take away lifetime limits. One of the parts of ACA that is almost universally liked.

                                    This is a tiny and easily fixed problem yet you and others pretend this is why the free market can't work. I've now twice explained how to fix it and even used the common car world equivalent "agreed value" to explain how it would work.

                                    It would be a huge mistake to rely on charities. Donations to them are very dependent on the economy.
                                    Why? Back when we used charities it worked. We can't pretend this wouldn't work because we know in the past it did.

                                    Yes donations are dependent on the economy but less would be needed if prices were less. And I think anyone with an above average understanding of economics would agree that the free market would lower health care costs. Just as prepaid car care (extended warranties, service plans and etc) cost more using our equivalent example again. We can change the product but market forces are always similar.

                                    Somebody still has to pay the bill, however.

                                    The free market is a wonderful thing, but there are some things in this world that it's simply not equipped to handle.
                                    Yes someone would have to pay the bills. That was the argument for why ACA would lower prices by forcing people not in the system to get insurance. Thus eliminating unpaid bills.

                                    But lack of insurance was not the root cause of unpaid bills. The price of health care was. It costs too much and we all know it.

                                    And from an economic view the reason it costs too much is because market forces have been largely removed from it.

                                    Someone always pays. The question is do they pay $20 for an oil change or $2000?

                                    Right now the health care industry is charging closer to the later vs. the former. The free market can force that number the opposite direction.

                                    Of course there are other market forces at play such as the over priced education system which causes doctors and other health care providers to need more income. Also you have the fact that the AMA forces consumers to have doctors (high paid experts like a Lamborghini mechanic) perform tasks easily performed by lower paid but capable staff (like nurses). After all you wouldn't take your Honda to a Lamborghini dealership for service would you? Why because you know they would charge more than a local mechanic. The same should happen in medical care.

                                    You can not IMO support that argument that health care is so different that the market would not work. Yes there are specific differences that would need to and could easily be addressed but beyond that the same basic rules of economics apply.

                                    When you remove them - as we have in this nation's health care- you end up with higher prices.

                                    After all if providing for basic maintenance was a winner for insurance companies don't you think more in the automotive insurance industry would offer cover for oil changes and etc?

                                    Of course would the consumer be willing to pay more than what the oil changes cost? Of course not. But that is what we are asking health insurance customers to do. Instead of paying doctors they pay insurance which adds a 5% (or whatever) profit onto it.

                                    If you knew you car could get an oil change for $20 and you needed 4 per year would you pay $100/yr to get "free" oil changes? Of course not. So why do we have health customers doing that?

                                    Health Insurance aka true catastrophic insurance is a great idea. But what we have now and what ACA has forced on everyone has more in common with pre-paid oil changes than true insurance as we know it. And that is the fundamental problem.

                                    The one that ACA not only failed to address but in fact made worse.

                                    ACA was not a win for anyone. The sooner Democrats and etc realize the sooner we can debate how best to truly fix it.
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                                  • Profile picture of the author TimPhelan
                                    Originally Posted by Hopeless Bromantic View Post

                                    The free market is a wonderful thing, but there are some things in this world that it's simply not equipped to handle.
                                    Yep. Like a military also.
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                                  • Profile picture of the author garyv
                                    Originally Posted by Hopeless Bromantic View Post

                                    Not really. With humans, there's no socially acceptable way to arrive at an "agreed value." (And there probably shouldn't be.)
                                    Yes there is, it's called QALY - The UK's NHS and NICE use it to determine a limit on the price of treatments and drugs. Insurance companies use it as well. A limit has to be set when you're funding the care of millions of people.
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          • Profile picture of the author garyv
            Originally Posted by Hopeless Bromantic View Post

            Obviously, profit-making research can coexist in such an environment, but its application is significantly limited. After all, no one will invest in a treatment for a condition that affects only "poor" patients.
            Most of this research is done by large profit-making companies, and it wouldn't happen otherwise. Not matter how much people would like to imagine it happening in their care-free Utopias, not enough people donate to research for it to make a significant difference. Most of the research of any significance being done right now is being driven by the profits of previous successful research ventures.

            I'm sorry, but nothing has ever even come close to driving innovation and discovery as a free capitalist marketplace.
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            • Profile picture of the author beasty513
              Originally Posted by garyv View Post

              Most of this research is done by large profit-making companies, and it wouldn't happen otherwise. Not matter how much people would like to imagine it happening in their care-free Utopias, not enough people donate to research for it to make a significant difference. Most of the research of any significance being done right now is being driven by the profits of previous successful research ventures.

              I'm sorry, but nothing has ever even come close to driving innovation and discovery as a free capitalist marketplace.

              Yes that is true.


              Why is this concept so hard to grasp?
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    • Profile picture of the author TLTheLiberator
      Originally Posted by ronrule View Post

      Well this certainly derailed what could have been an interesting topic. Let's try to get back on track for a minute with a bold statement:

      A single payer system would be much more expensive per-person, not cheaper. The numbers prove it.

      Here's why ...

      1. Changing who pays the bill doesn't change the price of care - which is the real problem, not insurance companies.

      2. The sum of everyone's medical bills is roughly $2 trillion per year. That's for CARE, not insurance... actual money paid to doctors/hospitals/etc.

      If you take $2 trillion and divided it evenly among 300 million Americans, it works out to roughly $550 per person per month.

      So if it was "spread out evenly" - which is what Obama et al claim will make it cheaper - then a family of four would pay $2,200 per month. Which is nearly twice what I pay for my family of five now.

      Spreading it out doesn't make it cheaper, so... myth busted.

      And the last time I checked, the government doesn't have an extra $2 trillion laying around. In fact, they're about $1 trillion short of their CURRENT obligations.

      Last point... for those who claim "But if the government was the only one paying the bill they could force prices down".

      Ok... but they could also do that now. The government implements price controls on all sorts of industries. They do it all the time... food, car & homeowners insurance, oil companies, all sorts of things. They don't need to be the one paying the bill to tell a company "you can't charge that".

      Isn't it interesting how the average insurance company's profit margin is a mere 8%, but the medical providers - doctors/hospitals/pharmaceuticals/diagnostics/etc. have margins into the 300-1000% on medical goods and services?

      Yet our government doesn't talk about that. They only talk about insurance, as if all of the problems would magically be solved by changing who pays the bill.

      Ever wonder why?
      I'm not sure about your model on the costs etc., but enhancing the level of benefits has got to count for something.

      With single payer or the ACA the American people have a new set of benefits and protection we've never had before.

      Who says those payments for care can't be reduced in the future?

      If the insurance companies have been brought under control, who's to say who won't be next?

      The doctors/hospitals and Big Pharma could very well be next and if some people get 60 seats in the senate and control of the house with a enlightened POTUS anything is highly possible.

      I also dispute your claim that less people have insurance than before the ACA.

      Once again...

      With single payer or the ACA the American people as a group have a new set of benefits and protections we've never had before.

      That may not mean a thing to you but it means an awful lot to millions of Americans.
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      • Profile picture of the author garyv
        Originally Posted by TLTheLiberator View Post


        With single payer or the ACA the American people as a group have a new set of benefits and protections we've never had before.

        That may not mean a thing to you but it means an awful lot to millions of Americans.
        Not yet. Maybe that will be true some day, but so far less people actually have coverage than before.
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      • Profile picture of the author ronrule
        Originally Posted by TLTheLiberator View Post

        I'm not sure about your model on the costs etc., but enhancing the level of benefits has got to count for something.

        With single payer or the ACA the American people have a new set of benefits and protection we've never had before.

        Who says those payments for care can't be reduced in the future?

        If the insurance companies have been brought under control, who's to say who won't be next?

        The doctors/hospitals and Big Pharma could very well be next and if some people get 60 seats in the senate and control of the house with a enlightened POTUS anything is highly possible.

        I also dispute your claim that less people have insurance than before the ACA.

        Once again...

        With single payer or the ACA the American people as a group have a new set of benefits and protections we've never had before.

        That may not mean a thing to you but it means an awful lot to millions of Americans.
        You're disputing a claim that's already a known fact. Health insurance companies canceled 7 million people, but only 5 million signed up for Obamacare. That's two million more uninsured than when we started. That's a lot of people who would disagree with you that the AMA has given them better access to health care.

        I also don't think its a better level of care. It certainly wasn't for me or the other 6,999,999 that were canceled and are now either without coverage entirely or paying more for it. Those "better plans" were available before, they chose not to pay for it then. Now they're being forced to. Why should I pay for a plan that covers birth control and prescriptions when I need neither? Why can't I have a plan with a lower monthly rate and a higher deductible if I can afford it? These plans aren't better, I could have had that coverage all along. I just didn't need it so I chose not to pay for it. Now I don't have that choice. I mean, its like telling me I have to pay $10,000 more for a car because it includes a TV in the back seat. If I don't need to watch TV from the car its not a "better car", its an unnecessary expense.
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        • Profile picture of the author TLTheLiberator
          Originally Posted by ronrule View Post

          You're disputing a claim that's already a known fact.

          Health insurance companies canceled 7 million people, but only 5 million signed up for Obamacare. That's two million more uninsured than when we started. That's a lot of people who would disagree with you that the AMA has given them better access to health care.

          I also don't think its a better level of care. It certainly wasn't for me or the other 6,999,999 that were canceled and are now either without coverage entirely or paying more for it. Those "better plans" were available before, they chose not to pay for it then. Now they're being forced to. Why should I pay for a plan that covers birth control and prescriptions when I need neither? Why can't I have a plan with a lower monthly rate and a higher deductible if I can afford it? These plans aren't better, I could have had that coverage all along. I just didn't need it so I chose not to pay for it. Now I don't have that choice. I mean, its like telling me I have to pay $10,000 more for a car because it includes a TV in the back seat. If I don't need to watch TV from the car its not a "better car", its an unnecessary expense.

          More insured or less insured because of the ACA?

          That meme is being disputed and is not common knowledge but a lot of people are saying it.

          Here's a link - Thanks Tim.
          U.S. Uninsured Rate Continues to Fall



          The ACA does provides a much better level of care and benefits for most Americans but sadly not for you.

          Who said this thing (ACA) would be perfect for everyone in every situation?

          Those much better benefits and protections were not available before to the vast majority of Americans who couldn't afford thousand dollar a month premiums like yourself.

          Do I have to list the new numerous benefits here?

          But now they get the same level of basic protections as even you do.

          Here's a few other things the ACA does despite all its problems...

          - It arrests the scary growth of the federal bill related to health care.

          Deficit hawks (phony and real) should be shouting for joy cause that's a big one and it would have been a much bigger problem as time went by. But thanks to the ACA...

          - Two years after first being enacted, the total spent on HC for the entire country visa-ve our GDP has gone down from about 18% to around 16.5%.

          - It is not going to be a financial boondoggle for the federal government:

          The CBO disputes any thought to the contrary on the short, medium and long term budgetary effects of the ACA on the federal government.

          - The donut hole for seniors will be closed. Sorry I guess that's also not you.

          - It helps give about 2 million people the choice to not work another job - just because they need insurance etc.

          Once again, that's probably not you but I say so what - who said this thing would be perfect for everyone and help everyone equally.


          Yes, the ACA is moving along and taking more arrows than Ali on that Esquire cover and more bullets than Sony Corleone in the process. (don't forget that kick in the head)


          He's the big picture for me.


          The Nation:

          Citizens get a new set of HC benefits they never had before without bankrupting the country in any way shape or form.


          Average Americans:

          The vast majority of already insured American simply get a new set of HC related benefits putting our HC bennies on par with the peoples of most of western Europe.

          Previously Uninsurable: Get to be insured since the ACA prevents discrimination based on pre-existing conditions.

          Those in the individual market:

          Get to find decent policies at decent prices and many will get subsidies that will make HC affordable for them.

          Americans between the ages of 18-25 get to stay on their parents plan - saving that family at least $2000 per offspring per year.

          Gone will be the years of 600K American filing for bankruptcy because of a medical problem and approx. 45K per year dying sue to lack of care.

          Now one of the last things the average American has to worry about that they had to worry about in the past is - a medical billing problem ruining their lives.

          Thanks to the ACA the average Americans' life is a little less precarious.

          HMOs Stay Alive:

          I'd rather they be cut out of the picture but perhaps another day. If states goes to single payer they will be cut out of the picture - state by state.

          They get more customers but they can only keep 20% of what they collect in premiums and must spend 80% of premium income on actually providing HC or refund the diff to its clients.

          Lots of folks have already received rebates.

          Doctors/Hospitals:

          They get more customers also.

          The ACA also reclaimed about 70 billion a year in over payments to docs and hospitals.

          Some people claimed the ACA cut medicare but all it did was stop known and obvious over-payments to providers saving 70 billion per year for the federal govt. in the process.

          Wealthy Individuals:

          Maybe they'll pay more maybe they won't.

          They will pay a 90% of 1% surcharge on their income into the ACA fund. I think that means you Ron.

          Business America:

          Small ones especially, get a lot of tax credits for insuring their workers.

          But some businesses of all sizes will opt out and pay the penalty of $2000 per employee per year that they must pay - forcing their employees into the indi market.

          The start date for this part of the ACA has been pushed back a year.


          The Federal Government:

          - Reclaims about 70 billion per year from medicare overpayments.

          - The ACA will not be a financial boondoggle for the federal government.

          - The ACA arrests the scary growth of money that the feds are paying for HC.


          So, if you step back and see the bigger picture yes the ACA is as American as apple pie as everyone gets some of what they want from the new law.


          The ACA is stumbling along in its infancy all the while getting potshot-ted by its enemies.


          I wonder what would happen if the GOP wins the POTUS in 2016 along with a GOP senate and house?


          Would they repeal the ACA?

          I think they would.

          Even if they knew it would cost them the WH they would do it.

          Why?

          Because they can repeal it and also do lots more damage to the general economy and American standard of living - which would certainly translate into lots more income/assets for wealthy individuals and large corporations by the time they get kicked out of office again. So they would have done their job while in power.

          They would also do what they could do to cut the corporations loose on the public scuttling any and all regulations they could to help.

          They'd probably repeal the latest credit card law also and cut taxes on the wealthy as they did before - even in time of war.

          Only time will tell.

          Bottom line...

          Critics should take a look at the big picture.
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      • Profile picture of the author SteveJohnson
        Originally Posted by Hopeless Bromantic View Post

        Not really. With humans, there's no socially acceptable way to arrive at an "agreed value." (And there probably shouldn't be.)
        Our economy runs on 'agreed value'. You go to the store for an item, look at its price, and if you agree that the value received is at least equal to its cost, you put it in your shopping basket. I think that's socially acceptable.


        Originally Posted by Hopeless Bromantic View Post

        Somebody still has to pay the bill, however.

        The free market is a wonderful thing, but there are some things in this world that it's simply not equipped to handle.
        The free market works surprisingly well when there is a market large enough to serve. When there isn't a large enough market for demand to set the price of supply then, in honest transactions, it becomes a question of cost plus profit.

        Sometimes market pricing doesn't work because of outside intervention: regulation, risk management, or restrictions in supply.

        Originally Posted by TLTheLiberator View Post

        ...
        The doctors/hospitals and Big Pharma could very well be next and if some people get 60 seats in the senate and control of the house with a enlightened POTUS anything is highly possible.
        This is the second time you've said this. The disdain with which you treat constitutional restraints on the legislative branch is illustrative of the progressive push away from a representative republic form of government and toward a social democracy.

        You have to know that people who value the freedoms guaranteed in the US Constitution are at some point going to stand up and tell you that 'enough is enough'.

        Originally Posted by TLTheLiberator View Post

        With single payer or the ACA the American people as a group have a new set of benefits and protections we've never had before.

        That may not mean a thing to you but it means an awful lot to millions of Americans.
        Not to pull words from Pauls keyboard, but balderdash. If you're talking about ending lifetime caps on coverage, I'll agree with you. But the laundry list of newly-required 'benefits and protections' that have forced people from perfectly acceptable insurance plans is a prime example of what drives the overall cost of health care through the roof. Why should a 60-year old couple be forced to buy an insurance plan that covers maternity? Or birth control, for that matter?

        If it wasn't so serious, it would be funny - the American people are getting taken to the cleaners over an ill-conceived plan to 'fix the health care system' that was written largely by entities that ultimately benefit from it: pharmaceutical and insurance companies.

        Follow the money.
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        • Profile picture of the author TLTheLiberator
          Originally Posted by SteveJohnson View Post

          Our economy runs on 'agreed value'. You go to the store for an item, look at its price, and if you agree that the value received is at least equal to its cost, you put it in your shopping basket. I think that's socially acceptable.


          The free market works surprisingly well when there is a market large enough to serve. When there isn't a large enough market for demand to set the price of supply then, in honest transactions, it becomes a question of cost plus profit.

          Sometimes market pricing doesn't work because of outside intervention: regulation, risk management, or restrictions in supply.


          This is the second time you've said this. The disdain with which you treat constitutional restraints on the legislative branch is illustrative of the progressive push away from a representative republic form of government and toward a social democracy.

          You have to know that people who value the freedoms guaranteed in the US Constitution are at some point going to stand up and tell you that 'enough is enough'.


          Not to pull words from Pauls keyboard, but balderdash. If you're talking about ending lifetime caps on coverage, I'll agree with you. But the laundry list of newly-required 'benefits and protections' that have forced people from perfectly acceptable insurance plans is a prime example of what drives the overall cost of health care through the roof. Why should a 60-year old couple be forced to buy an insurance plan that covers maternity? Or birth control, for that matter?

          If it wasn't so serious, it would be funny - the American people are getting taken to the cleaners over an ill-conceived plan to 'fix the health care system' that was written largely by entities that ultimately benefit from it: pharmaceutical and insurance companies.

          Follow the money.
          You and your so-called constitutional restraints.

          We've been round and round on what the feds can and can not do and the bottom line is they can do a lot more than you and your friends would like them to.

          I say to bad for you.

          What you call perfectly acceptable insurance plans couldn't even meet basic requirements of the ACA.

          Why didn't the SCOTUS jump in and kill the entire law if it is so egregious?

          I couldn't believe it myself when they upheld most of the law - except the part that forces states into the medicare expansion.

          And so goes American history.

          Don't forget about the new set of benefits the American people receive themselves from the ACA.

          You seem to be more than happy to dismiss them and you'd also probably snatch them away in a heartbeat all in the name of your constitutional protections and individual freedom stuff.

          I agree enough is enough.

          Here's a little more American history for you...

          Here's a couple mandates from way back in the late 1700s and one is related to medical insurance.

          Einer Elhauge: If Health Insurance Mandates Are Unconstitutional, Why Did the Founding Fathers Back Them? | New Republic
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          • Profile picture of the author SteveJohnson
            Originally Posted by TLTheLiberator View Post

            You and your so-called constitutional restraints.

            We've been round and round on what the feds can and can not do and the bottom line is they can do a lot more than you and your friends would like them to.

            I say to bad for you.

            What you call perfectly acceptable insurance plans couldn't even meet basic requirements of the ACA.

            Why didn't the SCOTUS jump in and kill the entire law if it is so egregious?

            I couldn't believe it myself when they upheld most of the law - except the part that forces states into the medicare expansion.

            And so goes American history.

            Don't forget about the new set of benefits the American people receive themselves from the ACA.

            You seem to be more than happy to dismiss them and you'd also probably snatch them away in a heartbeat all in the name of your constitutional protections and individual freedom stuff.

            I agree enough is enough.
            You are almost unfathomably hypocritical.

            Do you send fan mail to Putin?
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            • Profile picture of the author TLTheLiberator
              Originally Posted by SteveJohnson View Post

              You are almost unfathomably hypocritical.

              Do you send fan mail to Putin?
              I'd love for you to explain the hypocritical observation.

              And why drag Vladimir into this?
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              • Profile picture of the author garyv
                Originally Posted by TLTheLiberator View Post

                I'd love for you to explain the hypocritical observation.

                And why drag Vladimir into this?
                Ahhh - you're on a first name basis? How good is he w/ his 9 iron?
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                • Profile picture of the author TLTheLiberator
                  Originally Posted by garyv View Post

                  Ahhh - you're on a first name basis? How good is he w/ his 9 iron?

                  I want to live in Norway also.
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              • Profile picture of the author SteveJohnson
                Originally Posted by TLTheLiberator View Post

                I'd love for you to explain the hypocritical observation.
                You champion a law that was passed with a decidedly one-sided vote, illustrative of your "we can do whatever we want if we have 60 votes" argument. You expect others to obey that law.

                On the other hand, with your "so-called constitutional protections and individual freedom stuff" and related statements you demonstrate that you have no respect for the set of laws that form the basis of the country, and dismiss that they are ignored as long as you get what you want.

                I would say that is a pretty good picture of hypocrisy, wouldn't you?

                Originally Posted by TLTheLiberator View Post

                And why drag Vladimir into this?
                Because (I'm just guessing) I consider it likely that you have a shrine to him and Hugo Chavez in your living room, and might possibly even be the president of their fan clubs.

                But that's just a guess based on your voiced ideology, I could be wrong.
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                • Profile picture of the author TLTheLiberator
                  Originally Posted by SteveJohnson View Post

                  You champion a law that was passed with a decidedly one-sided vote, illustrative of your "we can do whatever we want if we have 60 votes" argument. You expect others to obey that law.

                  On the other hand, with your "so-called constitutional protections and individual freedom stuff" and related statements you demonstrate that you have no respect for the set of laws that form the basis of the country, and dismiss that they are ignored as long as you get what you want.

                  I would say that is a pretty good picture of hypocrisy, wouldn't you?

                  Because (I'm just guessing) I consider it likely that you have a shrine to him and Hugo Chavez in your living room, and might possibly even be the president of their fan clubs.

                  But that's just a guess based on your voiced ideology, I could be wrong.
                  60 votes in the senate is a pretty healthy majority.

                  Let's see, the ACA was debated for over a year, it gets 60 votes in the senate, wins the house, the POTUS signs it and the SCOTUS upholds it.

                  What more do you want?

                  I know, to wake up from your nightmare.

                  You would rather it had been a bi-partisan law Me too, but that's not the way the cookie crumbled was it?

                  And just because it's not a bipartisan law does not mean any law an evil law.

                  We had an election and as they say elections have consequences.

                  Save the misguided gobbledygook about someone infringing on our freedoms etc. for someone else and I hope and pray your "enough is enough" wailing doesn't include 2nd amendment remedies.

                  Regarding Vladimer, it seems like the people who are much closer to your type of thinking couldn't stop praising him enough during this Ukraine crisis.


                  (skip to about 1:45 for the love to begin)

                  If I'm a commie, the founding fathers were commies.

                  If Health Insurance Mandates Are Unconstitutional, Why Did the Founding Fathers Back Them?

                  Einer Elhauge: If Health Insurance Mandates Are Unconstitutional, Why Did the Founding Fathers Back Them? | New Republic


                  For the record:

                  Economically, I'm a capitalist who also likes a whole lot of regulation.
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                  • Profile picture of the author SteveJohnson
                    Originally Posted by TLTheLiberator View Post

                    Save the misguided gobbledygook about someone infringing on our freedoms etc. for someone else and I hope and pray your "enough is enough" wailing doesn't include 2nd amendment remedies.
                    I see you completely sidestepped my explanation of your being hypocritical -- evidently you don't disagree.

                    I find it mildly funny that you are worried about Second Amendment remedies. I think you're beginning to grasp why that amendment is there, and why it's second only to freedom of the press and religion.

                    It's probably good to be a little concerned about it. There are more than a few people who take the 'misguided gobbledygook about someone infringing on our freedoms' pretty seriously.
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                    • Profile picture of the author TLTheLiberator
                      Originally Posted by SteveJohnson View Post

                      I see you completely sidestepped my explanation of your being hypocritical -- evidently you don't disagree.

                      I find it mildly funny that you are worried about Second Amendment remedies. I think you're beginning to grasp why that amendment is there, and why it's second only to freedom of the press and religion.

                      It's probably good to be a little concerned about it. There are more than a few people who take the 'misguided gobbledygook about someone infringing on our freedoms' pretty seriously.
                      First of all, I noticed you didn't respond by adding on to what I said which is a trick I noticed a couple of people do when they really don't have a good response.

                      You decided to just post your reply so that people wouldn't be able to follow exactly what was said and when.

                      And you also decided to cut out a part of my entire reply.


                      This is what you said...

                      You champion a law that was passed with a decidedly one-sided vote, illustrative of your "we can do whatever we want if we have 60 votes" argument.

                      You expect others to obey that law.

                      On the other hand, with your "so-called constitutional protections and individual freedom stuff" and related statements you demonstrate that you have no respect for the set of laws that form the basis of the country, and dismiss that they are ignored as long as you get what you want.

                      I would say that is a pretty good picture of hypocrisy, wouldn't you?


                      I say...


                      If you're talking about me being OK with all those crappy policies (which you called perfectly fine) being cancelled by the ACA...


                      After a gigantic hullabaloo...

                      #1: The admin said most of those people can keep those crappy policies for another year.

                      #2: Most of those people can finally get a real policy that has real protections for a little bit more money and many of them are eligible for subsidies to bring down the cost.

                      #3: One reason for the federal govt. (that I don't think you agree with) is to set standards for the nation.

                      So why would a law like the ACA not set a basic standard for HC policies?

                      #4: The net effect of this bru-ha-ha is people will get better policies that may cost some of them a little more or not because of the subsidies.

                      #5: And the meager coverage they had is also grandfathered in so its not like they won't be covered.

                      #6: Those crappy policies could end up costing the nation money cause they don't really do much of anything.

                      So I'm all in favor of eliminating those crappy policies from the HC landscape ASAP.


                      Your Probs With a One Sided Law:

                      So what if a law is passed one-sided?

                      Who said every law must be bipartisan? Not the constitution.

                      So are you saying that if a law is not bipartisan you don't have to follow it?

                      That's what it seems like you're saying and that's very interesting.

                      That would be nice if every law was bi, but the senate passed the ACA with the required 60 votes and the house passed it, the POTUS signed it and I might add the Supreme Court upheld it and also the POTUS was re-elected after it was passed.

                      Every branch of our government signed on to the passage of the ACA and the POTUS of a very controversial law was re-elected.

                      But you still want to make noises about the law somehow being unconstitutional.

                      Would you like the founders to appear to you, like Yoda, Luke Skywalker and Obi-Wan did in Return Of The Jedi - to say the law is constitutional?

                      I have the feeling that even that wouldn't do it for you.


                      Since you happen to be so truculent in your misguidedness, once again I say to you - too bad if you don't like what's going on.

                      The talk about the me having no respect for the laws that form the basis of this country has no basis in reality.

                      The fact is ...

                      ...if you have the numbers you can pass any law you want.

                      That is just a simple fact about how our government works.

                      That's what the laws that form the basis of this country say.

                      You must have at least 2 branches of government agree before anything major is done.

                      And sometimes the SCOTUS must jump in and make a ruling on a law.

                      There is nothing in the constitution about any law having to be Bi.

                      Votes are what you need - no matter where they come from.

                      Don't like a law? Get people elected that will repeal the law.

                      In this country we make change at the ballot box, and that is one of the main ways we respect the laws that form the basis of our country.

                      And as I've said before, if you have the numbers you have the numbers.

                      All I was doing was answering Mike when he questioned whether a single payer system could pass in this country.

                      But you wanted to make it into some sort of cause célèbre case that I am somehow disrespectful to the founding laws of the land etc.


                      BTW...

                      It could be just one vote in the Supreme court that makes the difference.

                      For example...

                      One vote in the SCOTUS gave us the nightmare of #43 of whom you probably think was a great POTUS.


                      Regarding The 2nd A. , ...


                      There are many reasons for the 2nd A.


                      I'm not worried about it since I know the feds are watching those militias like a hawk and...

                      ...the only reason I mentioned it is because there are a whole bunch of seriously misguided souls (yes I believe you're seriously misguided - in many ways)...

                      ... running around this country who somehow believe we've already come close or even exceeded the need to use the 2nd to protect/save the republic etc.

                      And after everything I have heard from you...you just might be one of them. (but I'm not sure)

                      This feeling normally runs high among those who shout "freedom", "constitution" and "limited govt." in most every related discussion as if they in and of themselves are some type of magic words and...

                      ... they also use those terms a lot every time someone is elected and/or something happens that they don't like.
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                      • Profile picture of the author seasoned
                        Originally Posted by TLTheLiberator View Post

                        First of all, I noticed you didn't respond by adding on to what I said which is a trick I noticed a couple of people do when they really don't have a good response.
                        How could you even know that? I just got done writing a post, and only noticed you wrote a post here because the main page said the last post was written by you, and not me or ron. HECK, it might take YOU a while to notice I wrote THIS. And I may read from the bottom up, top down, or random.

                        Talk about CONSPIRACY theories! And HEY! Many times I just don't care to answer. Sometimes......WICSM!

                        You decided to just post your reply so that people wouldn't be able to follow exactly what was said and when.
                        You DO know they changed the way that works YEARS ago, RIGHT?

                        And you also decided to cut out a part of my entire reply.
                        WOW! I thought you wanted to REDUCE greehouse gases!

                        If you're talking about me being OK with all those crappy policies (which you called perfectly good) being cancelled because they don't meet the basic requirements of an ACA policy I say there's no hypocrisy involved.
                        PLEASE let me know the next time you are going down the freeway here. Maybe I should blow out your tires! When you complain(assuming you are even CONSCIOUS from the major collisions that would likely ensue) I can just remind you it is a crappy car. If it is a rolls royce, I can say you should get the latest one because it has an extra cup holder.

                        OH, you could complain about how you don't drink in the car, and how you never had a problem, and service is so excellent, but it STILL doesn't meet my "MINIMUM STANDARDS"!!!!!!

                        YOU DON'T GET IT!!!!!!! YOU, nor ANYONE ON THE PLANET, gets to say that is a crappy program but the person that has it! REMEMBER that time you were unconscious in that collision? Pull a persons insurance WHILE THEY ARE UNDER TREATMENT, and it is the SAME THING!!!!!! THEY COULD DIE!

                        #1: The admin said most of those people can keep those crappy policies for another year.
                        THEY LIED! THOSE PEOPLE GENERALLY CAN'T!

                        #2: Most of those people can finally get a real policy that has real protections for a little bit more money and many of them are eligible for subsidies to bring down the cost.
                        People NEVER bougt insurance to buy insurance! They by insurance to INSURE them! It is a subtle difference, I know, but it is like that car again.

                        I had you in a rolls royce. They are EXPENSIVE! Would you pay $5000 for a yugo? WHY NOT!?!?!?!? $5000 is CHEAP! OH RIGHT, JUST because the car is a YUGO, $5000 is suddenly EXPENSIVE! YEAH RIGHT!

                        #3: One reason for the federal govt. (that I don't think you agree with) is to set standards for the nation.
                        It is NOT an enumerated right. AGAIN, if they sell insurance that dictates I don't need something I DO need, it is a SCAM and NO GOOD! You may ALL disagree, but NEEDS DICTATE! NOT people or governments!

                        #5: And the meager coverage they had is also grandfathered in so its not like they won't be covered.
                        It is NOT grandfathered in! Such a system would be ********ENORMOUS********, ******SLOW******, etc.... And WHY would they do that? NOPE, they have a panel that says what is covered.

                        #6: Those crappy policies could end up costing the nation money cause they don't really do much of anything.
                        How could YOU know so much about those policies when there is NOBODY ON THE PLANET that does! You can't even find a person at an insurance company that has all that info about all their plans. You listen to talking points too much.

                        Who said every law must be bipartisan? Not the constitution.
                        Actually, it DOES! It speaks of equal representation. But I will save your remark for later. The equal representation is supposed to be WHY there are 3 branches, and why the congress is bi cameral, and why there is a judicial branch, and why there is voting, and why there is a census.

                        That would be nice if every law was bi, but the senate passed the ACA with the required 60 votes
                        AGAIN, THEY DIDN'T!

                        and the house passed it
                        ILLEGAL IN THIS CASE! The SENATE is supposed to pass it.

                        the POTUS was re-elected after it was passed.
                        YEAH, NOW that the wool is starting to be removed, they are saying he would NOT have been.

                        Every branch of our government signed on to the passage of the ACA and the POTUS of a very controversial law was re-elected.
                        By saying things like "YOU CAN KEEP YOUR DOCTOR, *****PERIOD*****!"(emphasis HIS) and
                        "YOU CAN KEEP YOUR INSURANCE, *****PERIOD*****!"(emphasis HIS)
                        "YOU CAN KEEP YOUR HOSPITAL, *****PERIOD*****!"(emphasis HIS)

                        I think I will stop here. I didn't even bother reading 80% of what you posted below.

                        steve
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                        • Profile picture of the author TLTheLiberator
                          Originally Posted by seasoned View Post

                          How could you even know that? I just got done writing a post, and only noticed you wrote a post here because the main page said the last post was written by you, and not me or ron. HECK, it might take YOU a while to notice I wrote THIS. And I may read from the bottom up, top down, or random.

                          Talk about CONSPIRACY theories! And HEY! Many times I just don't care to answer. Sometimes......WICSM!



                          You DO know they changed the way that works YEARS ago, RIGHT?



                          WOW! I thought you wanted to REDUCE greehouse gases!



                          PLEASE let me know the next time you are going down the freeway here. Maybe I should blow out your tires! When you complain(assuming you are even CONSCIOUS from the major collisions that would likely ensue) I can just remind you it is a crappy car. If it is a rolls royce, I can say you should get the latest one because it has an extra cup holder.

                          OH, you could complain about how you don't drink in the car, and how you never had a problem, and service is so excellent, but it STILL doesn't meet my "MINIMUM STANDARDS"!!!!!!

                          YOU DON'T GET IT!!!!!!! YOU, nor ANYONE ON THE PLANET, gets to say that is a crappy program but the person that has it! REMEMBER that time you were unconscious in that collision? Pull a persons insurance WHILE THEY ARE UNDER TREATMENT, and it is the SAME THING!!!!!! THEY COULD DIE!



                          THEY LIED! THOSE PEOPLE GENERALLY CAN'T!



                          People NEVER bougt insurance to buy insurance! They by insurance to INSURE them! It is a subtle difference, I know, but it is like that car again.

                          I had you in a rolls royce. They are EXPENSIVE! Would you pay $5000 for a yugo? WHY NOT!?!?!?!? $5000 is CHEAP! OH RIGHT, JUST because the car is a YUGO, $5000 is suddenly EXPENSIVE! YEAH RIGHT!



                          It is NOT an enumerated right. AGAIN, if they sell insurance that dictates I don't need something I DO need, it is a SCAM and NO GOOD! You may ALL disagree, but NEEDS DICTATE! NOT people or governments!



                          It is NOT grandfathered in! Such a system would be ********ENORMOUS********, ******SLOW******, etc.... And WHY would they do that? NOPE, they have a panel that says what is covered.



                          How could YOU know so much about those policies when there is NOBODY ON THE PLANET that does! You can't even find a person at an insurance company that has all that info about all their plans. You listen to talking points too much.



                          Actually, it DOES! It speaks of equal representation. But I will save your remark for later. The equal representation is supposed to be WHY there are 3 branches, and why the congress is bi cameral, and why there is a judicial branch, and why there is voting, and why there is a census.



                          AGAIN, THEY DIDN'T!



                          ILLEGAL IN THIS CASE! The SENATE is supposed to pass it.



                          YEAH, NOW that the wool is starting to be removed, they are saying he would NOT have been.



                          By saying things like "YOU CAN KEEP YOUR DOCTOR, *****PERIOD*****!"(emphasis HIS) and
                          "YOU CAN KEEP YOUR INSURANCE, *****PERIOD*****!"(emphasis HIS)
                          "YOU CAN KEEP YOUR HOSPITAL, *****PERIOD*****!"(emphasis HIS)

                          I think I will stop here. I didn't even bother reading 80% of what you posted below.

                          steve
                          Excuse me. I was responding to Steve Johnson. Not you.
                          Signature

                          "It's easier to fool people than to convince them that they have been fooled. -- Mark Twain

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                          • Profile picture of the author seasoned
                            Originally Posted by TLTheLiberator View Post

                            Excuse me. I was responding to Steve Johnson. Not you.
                            REALLY? It was PRIVATE? You DO know there is a PM function, RIGHT!?!?!?

                            Steve
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                • Profile picture of the author seasoned
                  Originally Posted by SteveJohnson View Post

                  You champion a law that was passed with a decidedly one-sided vote, illustrative of your "we can do whatever we want if we have 60 votes" argument. You expect others to obey that law.

                  On the other hand, with your "so-called constitutional protections and individual freedom stuff" and related statements you demonstrate that you have no respect for the set of laws that form the basis of the country, and dismiss that they are ignored as long as you get what you want.

                  I would say that is a pretty good picture of hypocrisy, wouldn't you?

                  Because (I'm just guessing) I consider it likely that you have a shrine to him and Hugo Chavez in your living room, and might possibly even be the president of their fan clubs.

                  But that's just a guess based on your voiced ideology, I could be wrong.
                  Don't forget that it was *****NOT***** 60! The 60th person was SCOTT BROWN, and they REFUSED to seat him. They followed with was SUPPOSEDLY ted kennedy's dying wish which was to break a law *****HE***** fought for! The law said that a replacement was NOT to be appointed by the governor, as "Paul Kirk" was, by by a special election, as "Scott Brown" was!

                  NOTE, Ted Kennedy(their "60"th vote) died *****BEFORE***** the ACA "passage".

                  There is the pass it before I will let you read it. There is the Let's not read it and say we passed it(deem as passed) maneuver, etc...

                  The question is more like "Where is there NOT hypocrisy?"!

                  Steve
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                  • Profile picture of the author TLTheLiberator
                    Originally Posted by seasoned View Post

                    Don't forget that it was *****NOT***** 60! The 60th person was SCOTT BROWN, and they REFUSED to seat him. They followed with was SUPPOSEDLY ted kennedy's dying wish which was to break a law *****HE***** fought for! The law said that a replacement was NOT to be appointed by the governor, as "Paul Kirk" was, by by a special election, as "Scott Brown" was!

                    NOTE, Ted Kennedy(their "60"th vote) died *****BEFORE***** the ACA "passage".

                    There is the pass it before I will let you read it. There is the Let's not read it and say we passed it(deem as passed) maneuver, etc...

                    The question is more like "Where is there NOT hypocrisy?"!

                    Steve
                    Looks like you got your American history wrong again.

                    It could not have passed without 60 votes because present day senate rules demand 60 votes.

                    According to wikipedia...

                    On December 23, the Senate voted 60–39 to end debate on the bill: a cloture vote to end the filibuster by opponents.

                    The bill then passed by a vote of 60–39 on December 24, 2009, with all Democrats and two independents voting for, and all Republicans voting against.

                    (except for Jim Bunning, who did not vote).

                    Please deal with reality.
                    Signature

                    "It's easier to fool people than to convince them that they have been fooled. -- Mark Twain

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                    • Profile picture of the author seasoned
                      Originally Posted by TLTheLiberator View Post

                      Looks like you got your American history wrong again.

                      It could not have passed without 60 votes because present day senate rules demand 60 votes.

                      According to wikipedia...

                      On December 23, the Senate voted 60–39 to end debate on the bill: a cloture vote to end the filibuster by opponents.
                      EXACTLY!

                      FACT #1! KENNEDY DIED!!!!!

                      FACT #2! WHO is THIS:
                      Paul Kirk
                      Paul Kirk
                      United States Senator
                      from Massachusetts
                      In office
                      September 24, 2009 – February 4, 2010
                      Appointed by Deval Patrick
                      Preceded by Ted Kennedy
                      Succeeded by Scott Brown
                      NOTE THE TITLE! The ********APPOINTED BY********(Illegal under the LAW KENNEDY had them pass!) The Preceded by. The SHORT TERM! *****WHY?***** The succeeded by!

                      THIRD FACT!
                      Senate passes historic healthcare reform legislation in 60-39 vote | TheHill

                      The 60-39 tally split directly along partisan lines, with Sen. Jim Bunning (R-Ky.) absent, underscoring not only the great divide between Democrats and Republicans but also the deftness with which Majority Leader Harry Reid (D-Nev.) at long last united his fractious conference by offering key compromises to centrists but keeping liberals in the fold.
                      SO, ALL democrats! The bill then passed by a vote of 60–39 on December 24, 2009, with all Democrats and two independents voting for, and all Republicans voting against.

                      (except for Jim Bunning, who did not vote).

                      FOURTH FACT
                      Alphabetical by Senator Name
                      Akaka (D-HI), Yea
                      Alexander (R-TN), Nay
                      Barrasso (R-WY), Nay
                      Baucus (D-MT), Yea
                      Bayh (D-IN), Yea
                      Begich (D-AK), Yea
                      Bennet (D-CO), Yea
                      Bennett (R-UT), Nay
                      Bingaman (D-NM), Yea
                      Bond (R-MO), Nay
                      Boxer (D-CA), Yea
                      Brown (D-OH), Yea
                      Brownback (R-KS), Nay
                      Bunning (R-KY), Not Voting
                      Burr (R-NC), Nay
                      Burris (D-IL), Yea
                      Byrd (D-WV), Yea
                      Cantwell (D-WA), Yea
                      Cardin (D-MD), Yea
                      Carper (D-DE), Yea
                      Casey (D-PA), Yea
                      Chambliss (R-GA), Nay
                      Coburn (R-OK), Nay
                      Cochran (R-MS), Nay
                      Collins (R-ME), Nay
                      Conrad (D-ND), Yea
                      Corker (R-TN), Nay
                      Cornyn (R-TX), Nay
                      Crapo (R-ID), Nay
                      DeMint (R-SC), Nay
                      Dodd (D-CT), Yea
                      Dorgan (D-ND), Yea
                      Durbin (D-IL), Yea
                      Ensign (R-NV), Nay
                      Enzi (R-WY), Nay
                      Feingold (D-WI), Yea
                      Feinstein (D-CA), Yea
                      Franken (D-MN), Yea
                      Gillibrand (D-NY), Yea
                      Graham (R-SC), Nay
                      Grassley (R-IA), Nay
                      Gregg (R-NH), Nay
                      Hagan (D-NC), Yea
                      Harkin (D-IA), Yea
                      Hatch (R-UT), Nay
                      Hutchison (R-TX), Nay
                      Inhofe (R-OK), Nay
                      Inouye (D-HI), Yea
                      Isakson (R-GA), Nay
                      Johanns (R-NE), Nay
                      Johnson (D-SD), Yea
                      Kaufman (D-DE), Yea
                      Kerry (D-MA), Yea
                      Kirk (D-MA), Yea
                      Klobuchar (D-MN), Yea
                      Kohl (D-WI), Yea
                      Kyl (R-AZ), Nay
                      Landrieu (D-LA), Yea
                      Lautenberg (D-NJ), Yea
                      Leahy (D-VT), Yea
                      LeMieux (R-FL), Nay
                      Levin (D-MI), Yea
                      Lieberman (ID-CT), Yea
                      Lincoln (D-AR), Yea
                      Lugar (R-IN), Nay
                      McCain (R-AZ), Nay
                      McCaskill (D-MO), Yea
                      McConnell (R-KY), Nay
                      Menendez (D-NJ), Yea
                      Merkley (D-OR), Yea
                      Mikulski (D-MD), Yea
                      Murkowski (R-AK), Nay
                      Murray (D-WA), Yea
                      Nelson (D-FL), Yea
                      Nelson (D-NE), Yea
                      Pryor (D-AR), Yea
                      Reed (D-RI), Yea
                      Reid (D-NV), Yea
                      Risch (R-ID), Nay
                      Roberts (R-KS), Nay
                      Rockefeller (D-WV), Yea
                      Sanders (I-VT), Yea
                      Schumer (D-NY), Yea
                      Sessions (R-AL), Nay
                      Shaheen (D-NH), Yea
                      Shelby (R-AL), Nay
                      Snowe (R-ME), Nay
                      Specter (D-PA), Yea
                      Stabenow (D-MI), Yea
                      Tester (D-MT), Yea
                      Thune (R-SD), Nay
                      Udall (D-CO), Yea
                      Udall (D-NM), Yea
                      Vitter (R-LA), Nay
                      Voinovich (R-OH), Nay
                      Warner (D-VA), Yea
                      Webb (D-VA), Yea
                      Whitehouse (D-RI), Yea
                      Wicker (R-MS), Nay
                      Wyden (D-OR), Yea
                      WHO is kirk? Do you see Scott brown for MA ANYWHERE there? Is KENNEDY even there? NOTE, the ONE brown there is sherrod with OHIO! Kennedy died, so he wasn't there!

                      SO WHAT HAPPENED? They violated the law, that THEY put in place to make sure this wouldn't go against them, so they could now BENEFIT from it. Kennedy died and because they waited until the end, they figured they could just push it out and get this through.

                      Please deal with reality.
                      I wish you would. SCOOT BROWN was the ELECTED senator, and officially won like 24 days after this.

                      They knew there was NO way to legitimately pass this, so they forced passage of the senate bill with NO debate. That forced everyone to stay and debate the monstrous thing to amend it. They knew normal methods would push it into the holiday, and they would REALLY get a lot of push back from the voters. THAT is why they had the "deem as pass", and the sudden push to do all of this. But if things were reversed, and the other party tried this, they would have cried foul over the "appointed" senator!

                      Steve
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          • Profile picture of the author seasoned
            Originally Posted by TLTheLiberator View Post

            You and your so-called constitutional restraints.

            We've been round and round on what the feds can and can not do and the bottom line is they can do a lot more than you and your friends would like them to.

            I say to bad for you.

            What you call perfectly acceptable insurance plans couldn't even meet basic requirements of the ACA.
            SO WHAT!?!?!?? If they said you had to pay OBAMA $10,000 for each plan, they wouldn't meet the basic requirements. WHAT is your point?

            Why didn't the SCOTUS jump in and kill the entire law if it is so egregious?
            The SCOTUS did NOT have standing, unfortunately. They can't judge on something not brought before them

            They said that obama care WAS ***UN*** constitutional! They said that what was being done WAS illegal! Here is an excert from ROBERTS opinion!

            Construing the Commerce Clause to permit Congress to regulate individuals precisely because they are doing nothing would open a new and potentially vast domain to congressional authority. Congress already possesses expansive power to regulate what people do. Upholding the Affordable Care Act under the Commerce Clause would give Congress the same license to regulate what people do not do. The Framers knew the difference between doing something and doing nothing. They gave Congress the power to regulate commerce, not to compel it. Ignoring that distinction would undermine the principle that the Federal Government is a government of limited and enumerated powers. The individual mandate thus cannot be sustained under Congress’s power to “regulate Commerce.”
            But they were NOT given the opportunity to decide THAT. NOPE, it was on the ALSO illegal PENALTY! Well, the OA did what they said they would NOT do and called it a TAX. Roberts said that was OK. So it was judged UNconstitutional and squeeked by on a technicality.

            I couldn't believe it myself when they upheld most of the law - except the part that forces states into the medicare expansion.

            And so goes American history.

            Don't forget about the new set of benefits the American people receive themselves from the ACA.
            NAME ONE!

            You seem to be more than happy to dismiss them and you'd also probably snatch them away in a heartbeat all in the name of your constitutional protections and individual freedom stuff.

            I agree enough is enough.

            Here's a little more American history for you...

            Here's a couple mandates from way back in the late 1700s and one is related to medical insurance.

            Einer Elhauge: If Health Insurance Mandates Are Unconstitutional, Why Did the Founding Fathers Back Them? | New Republic
            That's a hot one! You say the founding fathers insisted that employers meet a REASONABLE requirement for their employees, and that means that they were ok with ALL WORKERS paying for EVERYONE'S whim!

            And HOW do you do that? In part by DESTROYING the ability of employers to reasonably meet the requirement for their employees!

            You see, what you said the employers were required to do back then they are STILL in a way required to do. UNSKILLED work was NEVER something to provide a living wage, so such a requirement is not reasonable.

            PLEASE convene congress and have them make an INVIOLABLE contract stating that ALL currently insured through their employers or themselves are in PERPETUITY to be allowed to keep their insurance, and related elements at their current reasonable level FOREVER!!!!! Even through any domestic war or terrorism of any nature. That is to be done TODAY, or MAN was your last post hypocritical!

            I don't even know if I can keep mine for the next 6 MONTHS!

            Steve
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        • Profile picture of the author Aaron Doud
          Originally Posted by SteveJohnson View Post

          If it wasn't so serious, it would be funny - the American people are getting taken to the cleaners over an ill-conceived plan to 'fix the health care system' that was written largely by entities that ultimately benefit from it: pharmaceutical and insurance companies.

          Follow the money.
          This is the part I find so funny. ACA is a modification of a pro-business (pro-corporation) plan largely designed by those who it regulated.

          The very people defending this law are the ones who should be opposing it.

          Sure certain things seem to be universally liked...
          • No lifetime limits
          • Removal of preexisting limits
          • mandatory coverage
          But the vast majority of the law should be opposed by all but the most pro-crony capitalism people. That means both sides of the aisle, at least at the grass roots level, should be opposed to it. We should all want vast major of it repealed and replaced with something better.

          My side would want some form of a freer market solution. Though no mainstream republican would suggest what I have. It's too libertarian for them. And democrats should on the other side be calling for an expansion of government ran health care up to and including a single payer system like the british.

          ACA is neither and does not address the true problem with costs in the system. Sure the establishment in the Democrats is trying to force the implementation of it back further and further to hide the inevitable price increases from their base and the voting public at large until after they win another election but sooner or later the writing on the wall will be clear to all. And when that time comes I suspect it will be those on the left who will be calling for changes to the ACA.

          You cannot continue to defend this law based on the few good things it does. Things that universally people agree were good even if we might agree that there exact implementation was done wrong. Some of us would even argue in the vast majority of real world scenarios they were already in place.

          No Lifetime Limits: We will all agree that even though some consumers may not want to pay for it that this is a good thing. But in reality all a sick person had to do was get some media attention and they would get the limits lifted or some charity would step in or they would have there income drop and Medicaid would take over. In the real world this was kind of in place all ready and personally I have no problem with mandating that there be no limit for major illnesses.

          No Preexisting Conditions: This is what the high risk pools were for. Of course in my system where people pay out of pocket for most things this wouldn't matter as most people with pre-existing conditions were those who needed what should have been relatively affordable treatments. Yes there were some people screwed by the last system. People with too much money to be considered poor (to get Medicaid) but too little to afford treatment but that is IMO as much caused by the lack of market controls as it was by these preexisting condition rules. Even here I can see the value in this part of the law though I think a reformed version of high risk pools was the better solution. But first and foremost we must address the main cost problem. That is what is making it so that these people and millions of other can not afford health care. When treatment in the US costs a multiple of what it does in other nations it is clear what the problem is. And people would not be crying over this if they could afford to pay for health care without insurance.

          Forced Universal Coverage: This is like car insurance. Since getting sick, like getting in an accident, is nearly inevitable and as it has been said someone has to pay for it this is in and of itself a good law. And under normal risk assessment it works because the young and many of those who don't have insurance should - under the old system this was largely true -be able to get very low cost coverage since they are low risk. Especially if they buy catastrophic insurance like we do in every other case and like I and many other recommend. So this in and of itself would be a good thing minus the government mandating what you buy. Of course the alternative is to tell people without coverage that they can't get treatment but that leaves a bad taste in your mouth. So if they can get treated (was always true the could) they should pay for it themselves. That is personal responsibility even though we are forcing it on them.

          So I have come out and said I am at the least ok with the good things in the law. Now can we agree to repeal the rest and replace it with a real solution? One that isn't so pro-"big health"? One that actually addresses the costs in the system. You know like we were told the Affordable Care Act would?

          We have millions of people who can't afford health care right now. Making it more expensive as ACA has and will do is not the solution. And both sides should be able to agree on that. Because IMO when you put politics aside you realize the vast majority of the law is bad.

          We can still get rid of limits. We can still get rid of pre-existing conditions in some way. And yes we can still create a mandate for universal minimum coverage.

          We can do all that within a law that first and foremost addresses the cost issue from a true economic stand point. But that isn't the ACA. I know that. Most Republicans know that. Even a majority of independents are beginning to see it based on polls. So when will the rest drop the act and realize this is a bad law? When will democrats stop supporting this just because their party passed it? Because we damn well know if the GOP had passed it (it was based largely on their idea) that those on the left would be right here beside me calling it for the BS it is.

          So leave the politics behind. Stop using the small good things that we nearly all agree on to defend it. And start looking at the meat and potatoes of the law. Do you personally agree with it? Do you think it will lower costs?

          When you answer those two questions I believe most of you will see that the law as it is written is bad for all. Even those helped, like pre-existing conditions, will be hurt in the long run due to costs never being addressed.
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        • Originally Posted by SteveJohnson View Post

          Originally Posted by me

          Not really. With humans, there's no socially acceptable way to arrive at an "agreed value." (And there probably shouldn't be.)
          Our economy runs on 'agreed value'. You go to the store for an item, look at its price, and if you agree that the value received is at least equal to its cost, you put it in your shopping basket. I think that's socially acceptable.
          So do I, but we don't sell human beings at the store. (Not in this century, anyway.)

          Originally Posted by Steve J

          The free market works surprisingly well when there is a market large enough to serve.
          And emergency room patients ARE NOT A MARKET. There is no logical reason to treat them that way.
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          • Profile picture of the author SteveJohnson
            Originally Posted by Hopeless Bromantic View Post

            So do I, but we don't sell human beings at the store. (Not in this century, anyway.)
            I misunderstood your statement. I see now that you meant 'humans' as what was being valued.

            I agree there is no real way to value a human life, nor should there be. But at some point in some care scenarios, a decision will have to be made between the value of life and the cost of care.

            I sure wouldn't want to have to make it.


            Originally Posted by Hopeless Bromantic View Post

            And emergency room patients ARE NOT A MARKET. There is no logical reason to treat them that way.
            The patients are not, but the services provided to them are, taken on the whole.
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            • Profile picture of the author MikeTucker
              Originally Posted by SteveJohnson View Post

              I misunderstood your statement. I see now that you meant 'humans' as what was being valued.

              I agree there is no real way to value a human life, nor should there be. But at some point in some care scenarios, a decision will have to be made between the value of life and the cost of care.

              I sure wouldn't want to have to make it.


              The patients are not, but the services provided to them are, taken on the whole.
              So long as the decision on value of life vs. cost of care is made
              between patient and doctor, it makes a bit of sense.

              The problem for me comes in when people make the decision
              between the cost of care and what they don't have in their bank account.

              Really, in my opinion that is worse than bureaucrats getting
              between the doctor and patient.

              I just don't view healthcare as a luxury-- I view it as a necessity
              along with shelter, food, and water, and I don't believe that one
              of the greatest countries in the world should be fighting over whether
              or not we should take better care of the less fortunate among us?

              All this energy could be spent on finding creative ways to do it?
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  • Profile picture of the author MikeTucker
    I want to reply to a lot of things here but I've got a dinner to attend
    so it will have to wait until tomorrow. I really appreciate everyone's
    input and I feel like I have learned quite a bit even though I am still
    going back-and-forth on the idea.

    In the meantime, I thought of another concern that I might have
    about the implementation of government controlled healthcare.

    Governments of all kinds around the world and throughout history
    tend to be very slow to admit when they are wrong about something,
    especially anything large scale-- I was speaking to a dear friend of mine
    about Fukushima when I had this thought.

    Actually, corporations and individuals are the same way, but it is
    obviously more difficult to get governments to admit to their faults
    and take corrective action in a timely manner.

    When something gets screwed-up, and there will always be mistakes
    in any system, will a government-run healthcare system have something
    in place to investigate and take corrective action in a timely manner?

    Because the post office is fantastic about finding my lost packages,
    but the IRS took almost a year to correct a mistake they made.
    (No big deal, they have a huge job and I don't blame the entire
    agency for the mistakes of a few individuals-- In fact, I'm not perfect
    and I don't really hold it against the individuals, either.)

    But what happens when it is healthcare, and a question of life-or-death,
    or at the very least quality of life?
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  • Profile picture of the author MikeTucker
    I... I just don't know what to say about that.

    But it kind-of kills my biggest objection to government run healthcare
    in some kind of single-payer system, doesn't it?

    I've been going back and forth on this subject for a while now,
    and I've learned a lot but I think I need a break for today,
    my head is about to explode.
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  • Profile picture of the author seasoned
    It is AMAZING! They shoot the costs SKY HIGH and say "We'll talk about cuts LATER! NOW is different from ALL the other times, etc......".

    HECK, we have people in government that haven't driven cars in DECADES! People that apparently didn't know how credit cards work now, etc.... They are multimillionares that don't even have to worry about the basics. They really have NO concept of what a decent price is, and don't want to check it out.

    It is AMAZING that they engender hatred of the upper class and talk as if they are immune. One person in government wastes more money more freely than Warren Buffet or Bill Gates EVER did, or even COULD! HECK, I know that Warren Buffet and a lot of his friends use his jet service. It was actually started by ANOTHER person, but warren bought it so it is now part of berkshire hathway. I'll have to check. Bill Gates is one of his friends, and may well use the SAME service.

    HECK, I always thought of there being three SOCIAL classes. Many say there are 3 economic classes. I would argue there are 5. The "highest" one is NOT upper class, but the "political elite".

    Steve
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  • Profile picture of the author bizgrower
    When it's not the end of the day, I'll do my own research on this:

    How much is the government spending on healthcare already?
    (Sorry if somebody already posted such figures.)

    I think knowing this could lead to better allocation of resources,
    smarter spending, spending cuts, etc.
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    • Profile picture of the author seasoned
      Originally Posted by bizgrower View Post

      When it's not the end of the day, I'll do my own research on this:

      How much is the government spending on healthcare already?
      (Sorry if somebody already posted such figures.)

      I think knowing this could lead to better allocation of resources,
      smarter spending, spending cuts, etc.
      That actually wouldn't mean **********ANYTHING**********!!!!!!!

      The answer though is they are spending PLENTY!

      MEDICARE!
      MEDICAID!
      GOVERNMENT PLANS!
      VETERANS ADMINISTRATION!


      How much of that relates to what we are talking about HERE? ZERO DOLLARS! ZERO CENTS!

      Oh SURE, they stole almost 750BILLION from medicare to CLOUD THINGS! They even counted it TWICE! They said they "saved" 750BILLION in medicare. They DIDN'T, because they are shutting parts down. They ALSO claimed ACA costs 750Billion less, because they counted the money THERE. 750Billion is 750Billion! 750-750=0 ZERO SAVINGS! THEY are saying it is 750+750=1.5T To be honest, I think it is only about 738, but I am just saying 750.

      But ACA is a TOTALLY different plan. They CLAIM it is "romney care", which is what they mean when they say it is a republican plan, etc... If that were true, it would be a LIE, because they have been changing it for SO long, but the fact is that it isn't romney care at all, and NEVER was, and romney care was a state plan, so they even weren't able to do a lot of things the ACA did.

      They haven't even really started ACA. The first policy wasn't to go into effect until this year! They have ONLY started with some that had NO insurance, or bought individual insurance. WHO KNOWS when the EMPLOYER plans are to start. There are ALL SORTS of carve outs for some large companies and unions. ALSO, the first real audit is supposed to be like 2019. But with all the delays and all, WHO KNOWS!?!?!?

      And NOW, states are putting SOME in medicaid. The plan is for the federal government to put ALL in medicare. But they want to start with it through the insurance companies, for the most part. Ones that aren't accepted for whatever reason are SUPPOSED to go to medicaid or medicare. CONFUSED YET!?!?!?

      You might as well ask a 5yo kid to start a software company, without knowing even what a computer is, and ask that person to give you a full profit and loss of their first 5 years of business NOW.

      Steve
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      • Profile picture of the author bizgrower
        Steve,

        (Think you could start using bolds or italics when you want to emphasize?
        As you know, all caps is generally construed as yelling. Might lead to a more
        positive response to your posts. I understand ya, others may not.)

        It absolutely relates to the topic of Single Payer System.
        Actual numbers, in a way, don't matter for this discussion.
        Hard to find truly independent, credible numbers

        I'm saying if we knew what we taxpayers are actually spending
        already, it would help to get a handle on waste and what
        should remain in private sector and what might go in "single
        payer" (truly needy in my mind).

        It's like in the mortgage business, there really no such thing
        as a no cost refi. You pay the mortgage costs/fees separately,
        or in a higher interest rate. In both the mortgage business or
        health care, you either pay here, or pay there.

        I don't like paying for people who don't take care of themselves.
        As a taxpayer or business manager.

        Dan


        Originally Posted by seasoned View Post

        That actually wouldn't mean **********ANYTHING**********!!!!!!!

        The answer though is they are spending PLENTY!

        MEDICARE!
        MEDICAID!
        GOVERNMENT PLANS!
        VETERANS ADMINISTRATION!


        How much of that relates to what we are talking about HERE? ZERO DOLLARS! ZERO CENTS!

        Oh SURE, they stole almost 750BILLION from medicare to CLOUD THINGS! They even counted it TWICE! They said they "saved" 750BILLION in medicare. They DIDN'T, because they are shutting parts down. They ALSO claimed ACA costs 750Billion less, because they counted the money THERE. 750Billion is 750Billion! 750-750=0 ZERO SAVINGS! THEY are saying it is 750+750=1.5T To be honest, I think it is only about 738, but I am just saying 750.

        But ACA is a TOTALLY different plan. They CLAIM it is "romney care", which is what they mean when they say it is a republican plan, etc... If that were true, it would be a LIE, because they have been changing it for SO long, but the fact is that it isn't romney care at all, and NEVER was, and romney care was a state plan, so they even weren't able to do a lot of things the ACA did.

        They haven't even really started ACA. The first policy wasn't to go into effect until this year! They have ONLY started with some that had NO insurance, or bought individual insurance. WHO KNOWS when the EMPLOYER plans are to start. There are ALL SORTS of carve outs for some large companies and unions. ALSO, the first real audit is supposed to be like 2019. But with all the delays and all, WHO KNOWS!?!?!?

        And NOW, states are putting SOME in medicaid. The plan is for the federal government to put ALL in medicare. But they want to start with it through the insurance companies, for the most part. Ones that aren't accepted for whatever reason are SUPPOSED to go to medicaid or medicare. CONFUSED YET!?!?!?

        You might as well ask a 5yo kid to start a software company, without knowing even what a computer is, and ask that person to give you a full profit and loss of their first 5 years of business NOW.

        Steve
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        • Profile picture of the author seasoned
          Originally Posted by bizgrower View Post

          Steve,

          (Think you could start using bolds or italics when you want to emphasize?
          As you know, all caps is generally construed as yelling. Might lead to a more
          positive response to your posts. I understand ya, others may not.)
          At least that might be the nicest request yet. OK, I'll consider it.

          It absolutely relates to the topic of Single Payer System.
          Actual numbers, in a way, don't matter for this discussion.
          Hard to find truly independent, credible numbers
          Well, we just added a lot of new waste! With the eradication of the validity of all past actuary information, and the multiple styles, and multiple sourcing of data, the new everchanging system, etc, it would take us so long that we would be so far in the whole that none would be of any value. Let's do what any reasonable person would do and work from the source! That drug/device is that expensive? Why? Is it due to overregulation? Sourcing problems? Taxes? Imagine! Almost 10% of the very expensive operation I had was for one simple device! It cost $20,000USD! Another hospital said they would have charged $8,000USD. Why?

          I came up with one method, almost a decade ago that would now save me about $90/month. OK, OK, It would only save the average person so prescribed about $30//month. In my case, this is expected to be as much as about 516 months. OK, OK, the average person is expected around maybe 350 months. Let's take the lowest value... A lifetime savings of about $10,500. Did I mention it also improves outcome? Fewer falls, fewer strokes, fewer lawsuits, etc.... And it affects millions of people. All it requires is a pennies worth of ink, just a couple minor changes to the law.

          Let's do that sort of thing, Think of it! That could save us 10s of billions, directly over the next couple decades. Indirectly, it could be trillions. One fall can cause a broken hip that can trigger tons of problems.

          I'm saying if we knew what we taxpayers are actually spending
          already, it would help to get a handle on waste and what
          should remain in private sector and what might go in "single
          payer" (truly needy in my mind).
          Too many seem to not care at all.

          It's like in the mortgage business, there really no such thing
          as a no cost refi. You pay the mortgage costs/fees separately,
          or in a higher interest rate. In both the mortgage business or
          health care, you either pay here, or pay there.

          I don't like paying for people who don't take care of themselves.
          As a taxpayer or business manager.
          Yep, but too many seem to not care.

          steve
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  • Profile picture of the author ronrule
    You know, these opinions are all well and good, but none of them really change the fact that if you add up everyone's medical bills it's still more than $2 trillion per year. We can tweak the ACA. We can scrap it and go back to the way things were. We can nuke all of the insurance companies and become an "everyone for himself" system. But none of those things make that $2 trillion go away.

    For those who say health care should be a "right", I would argue that and say it's more of a "responsibility" than a right. In order for health care to be a right, that means all doctors and medical service providers must be willing to work for free. Right?

    Think about that for a minute... health care can only be a right if those who provide health care are willing to do so without getting paid. After all, one cannot be denied their rights based on ability to pay, therefore if I'm a health care provider I would be denying you your "basic human right" by not treating you for free.

    Obviously that won't work. Someone has to pay the bill... but who? Who's responsibility is it to pay YOUR medical bills, if not yours?

    And don't say "the government" because we've already done that math... the government doesn't have an extra $2 trillion laying around. Not unless they collect it from us... which, if done evenly comes to $550 per man, woman, and child per month. Or, if done progressively, unfairly stacks the deck against higher income earners.

    So how, exactly, does your "right" become MY responsibility to fund? What about my rights? Why do I have to pay my own bill AND yours?

    Especially when two thirds of all medical spending are a direct result of complications of obesity - which is entirely preventable?

    Why don't we price health insurance by the pound?

    I mean, is it unreasonable that a guy who weighs 400 pounds pay twice as much for insurance as a guy who weighs 200 lbs?

    Watch how fast Americans would start losing weight if there was a financial incentive to do so.

    And if they did, the overall cost of health care would drop by 66%.

    Would you have a problem paying for health insurance if it was 66% cheaper? I bet most people wouldn't.

    If you're a few pounds overweight, and losing that weight would save you, say, $200 per month on your insurance, would you lose it? I bet most people would.

    So there you go. There's my solution. Scrap the ACA, price health insurance by the pound, and let the rest work itself out. No excluding people for stuff they can't control like cancer, but for stuff they CAN control, they're going to pay a little extra.

    Bring back the annual physical... and use it to set the rate.

    My life insurance would be more expensive if I wrestled alligators or sky dived for a living because I'm a greater risk, right? Why shouldn't health insurance be priced the same way?
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    • Profile picture of the author seasoned
      Ron,

      WELL SAID!!!! NOBODY ever seems to take into acount that most of the people you WANT to have help you went to schools that cost a LOT of money, and they did things that took a LOT of time, and they worked in NASTY places for FREE! You generally CAN get a rash and see one when they are working for free, but during those times the hospital STILL has to pay and they may not know all that much, so it isn't like you can get FREE healthcare from them. BESIDES, they go through ALL THAT so that later they can MAKE MONEY!

      REMEMBER the minimum wage battle! WHY would a person risk his life, health, career to study for a DECADE and get a MINIMUM WAGE job?!?!?!?!? The answer, of course, is that he or she WOULDN'T!

      Originally Posted by ronrule View Post

      My life insurance would be more expensive if I wrestled alligators or sky dived for a living because I'm a greater risk, right? Why shouldn't health insurance be priced the same way?
      And there is a guy that, due to high unemployment payments, etc... is doing things like SURFING ALL DAY! What if HE has an accident? Our paying him MORE for his FREE lifestyle may end up costing us FAR MORE for problems due to his FREE lifestyle! And HE would likely get a SUBSIDY! Talk about IRONIC! There are likely MANY more, but HE was interviewed about it!

      OH, and HE isn't overweight!

      Steve
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    • Profile picture of the author TLTheLiberator
      Originally Posted by ronrule View Post

      You know, these opinions are all well and good, but none of them really change the fact that if you add up everyone's medical bills it's still more than $2 trillion per year. We can tweak the ACA. We can scrap it and go back to the way things were. We can nuke all of the insurance companies and become an "everyone for himself" system. But none of those things make that $2 trillion go away.

      For those who say health care should be a "right", I would argue that and say it's more of a "responsibility" than a right. In order for health care to be a right, that means all doctors and medical service providers must be willing to work for free. Right?

      Think about that for a minute... health care can only be a right if those who provide health care are willing to do so without getting paid. After all, one cannot be denied their rights based on ability to pay, therefore if I'm a health care provider I would be denying you your "basic human right" by not treating you for free.

      Obviously that won't work. Someone has to pay the bill... but who? Who's responsibility is it to pay YOUR medical bills, if not yours?

      And don't say "the government" because we've already done that math... the government doesn't have an extra $2 trillion laying around. Not unless they collect it from us... which, if done evenly comes to $550 per man, woman, and child per month.

      Or, if done progressively, unfairly stacks the deck against higher income earners.

      So how, exactly, does your "right" become MY responsibility to fund? What about my rights? Why do I have to pay my own bill AND yours?

      Especially when two thirds of all medical spending are a direct result of complications of obesity - which is entirely preventable?

      Why don't we price health insurance by the pound?

      I mean, is it unreasonable that a guy who weighs 400 pounds pay twice as much for insurance as a guy who weighs 200 lbs?

      Watch how fast Americans would start losing weight if there was a financial incentive to do so.

      And if they did, the overall cost of health care would drop by 66%.

      Would you have a problem paying for health insurance if it was 66% cheaper? I bet most people wouldn't.

      If you're a few pounds overweight, and losing that weight would save you, say, $200 per month on your insurance, would you lose it? I bet most people would.

      So there you go. There's my solution. Scrap the ACA, price health insurance by the pound, and let the rest work itself out. No excluding people for stuff they can't control like cancer, but for stuff they CAN control, they're going to pay a little extra.

      Bring back the annual physical... and use it to set the rate.

      My life insurance would be more expensive if I wrestled alligators or sky dived for a living because I'm a greater risk, right? Why shouldn't health insurance be priced the same way?

      Good thoughts! Especially regarding the source of our health problems.

      How about wipe out the HC companies and that would get rid of another high cost.

      All the while the nation slowly but surely gets healthier and that 2 trillion dollar bill will be further reduced the healthier we become.

      There would still be a financial incentive to lose weight and become healthier because the less we pay in total for HC the lower everyone's premium.

      But you probably don't like the part about the feds being in charge of it and not the HC companies.
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      • Profile picture of the author ronrule
        Originally Posted by TLTheLiberator View Post

        Good thoughts! Especially regarding the source of our health problems.

        How about wipe out the HC companies and that would get rid of another high cost.

        All the while the nation slowly but surely gets healthier and that 2 trillion dollar bill will be further reduced the healthier we become.

        There would still be a financial incentive to lose weight and become healthier because the less we pay in total for HC the lower everyone's premium.
        The average insurance company's profit margin is only about 8%, so eliminating insurance companies really won't save us much.

        What I really liked was my high-deductible policy, which I can't have anymore. Aaron Doud made a pretty good comparison to auto insurance earlier in the thread... you pay for auto insurance in case you're in an accident. You buy an extended warranty in case of mechanical failure. But neither of those types of insurance policies cover oil changes, tires, etc.

        Why can't health care be the same way? The argument has already been made that I, as a 35 year old male in pretty good shape, shouldn't need to pay for a plan with prescription coverage, birth control, or maternity coverage. But the same argument could be made if I was a 24 year old female... what if I don't want birth control? What if I have the money to pay for maternity costs out of pocket, and choose to? Should I really be forced to pay a monthly fee for those things because some bureaucrat decided it's a "better plan"?

        Isn't this supposed to be a free country? Why is the government in a "free country" forcing me to buy a product I don't want, with benefits I don't need?

        But you probably don't like the part about the feds being in charge of it and not the HC companies.
        You're right about that, but not for the reason you might think...

        Think about the last time you had a bad experience with a business. Maybe they didn't do what you paid them for, maybe they did a crappy job, maybe they messed up. Maybe they did something illegal. Maybe they were just negative, nasty people to work with. Whatever the situation, you had options. There's a course of action... maybe it's a lawsuit, heck maybe you got the whole company shut down if it was something major. Whatever your options were, one of them was always the option to stop doing business with them.

        When the government takes over a sector, you have no such option. There is no "higher authority" to complain to. You can't switch providers. You can't get them shut down. You can't stop doing business with them.

        You can only "vote" - and hope enough other people also had a bad enough experience that your votes outnumber the people who didn't have a bad experience yet.

        That's not really a good situation to be in. Wouldn't it be better to "vote with your dollars" by not continuing to do business with them? In the private health care scenario, if I don't like my provider I can switch. If I don't like my insurance company, I can switch. But when government is in charge I can't. My right to choose has been taken away - or at the very least, severely limited.

        I'm not OK with that, and you shouldn't be either.
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        • Profile picture of the author garyv
          Originally Posted by ronrule View Post

          The average insurance company's profit margin is only about 8%, so eliminating insurance companies really won't save us much.

          What I really liked was my high-deductible policy, which I can't have anymore. Aaron Doud made a pretty good comparison to auto insurance earlier in the thread... you pay for auto insurance in case you're in an accident. You buy an extended warranty in case of mechanical failure. But neither of those types of insurance policies cover oil changes, tires, etc.

          Why can't health care be the same way? The argument has already been made that I, as a 35 year old male in pretty good shape, shouldn't need to pay for a plan with prescription coverage, birth control, or maternity coverage. But the same argument could be made if I was a 24 year old female... what if I don't want birth control? What if I have the money to pay for maternity costs out of pocket, and choose to? Should I really be forced to pay a monthly fee for those things because some bureaucrat decided it's a "better plan"?

          Isn't this supposed to be a free country? Why is the government in a "free country" forcing me to buy a product I don't want?



          You're right about that, but not for the reason you might think...

          Think about the last time you had a bad experience with a business. Maybe they didn't do what you paid them for, maybe they did a crappy job, maybe they messed up. Maybe they did something illegal. Maybe they were just negative, nasty people to work with. Whatever the situation, you had options. There's a course of action... maybe it's a lawsuit, heck maybe you got the whole company shut down if it was something major. Whatever your options were, one of them was always the option to stop doing business with them.

          When the government takes over a sector, you have no such option. There is no "higher authority" to complain to. You can't switch providers. You can't get them shut down. You can't stop doing business with them.

          You can only "vote" - and hope enough other people also had a bad enough experience that your votes outnumber the people who didn't have a bad experience yet.

          That's not really a good situation to be in. Wouldn't it be better to "vote with your dollars" by not continuing to do business with them? In the private health care scenario, if I don't like my provider I can switch. If I don't like my insurance company, I can switch. But when government is in charge I can't. My right to choose has been taken away - or at the very least, severely limited.

          I'm not OK with that, and you shouldn't be either.
          Wish I could give more thanks for this post. - We're not only eliminating our healthcare options, but we're also eliminating any effective consumer response to improper care or treatment.

          When was the last time the IRS was effectively sued or punished for breaking rules or laws? Government entities don't have the same incentives as capitalist entities to obey rules or satisfy consumers.
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          • Profile picture of the author ronrule
            Originally Posted by garyv View Post

            Wish I could give more thanks for this post. - We're not only eliminating our healthcare options, but we're also eliminating any effective consumer response to improper care or treatment.

            When was the last time the IRS was effectively sued or punished for breaking rules or laws? Government entities don't have the same incentives as capitalist entities to obey rules or satisfy consumers.
            Exactly. And to make matters worse, health care administration at the federal level isn't an electable position, it's by appointee. Yet another problem with a bloated federal government. The President isn't qualified to make these decisions, and neither are any of our other elected officials. Yet every single one of them will now have to make "Here's what I'm going to do with health care" part of their platform, again diluting our voting power and forcing a lot more compromise than anyone wants.

            We could have a "perfect candidate" running for office in every area of economics, foreign policy, etc. But if he says he's going to do something with health care that would adversely affect me, now I have to choose... vote for him and sacrifice on that issue, or vote for the other douche bag who sucks in those areas that are actually supposed to be the President's job just so he doesn't screw up my health.

            I mean, that's how we got here. This simply shouldn't be run by the government.
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        • Profile picture of the author TLTheLiberator
          Originally Posted by ronrule View Post

          The average insurance company's profit margin is only about 8%, so eliminating insurance companies really won't save us much.

          What I really liked was my high-deductible policy, which I can't have anymore. Aaron Doud made a pretty good comparison to auto insurance earlier in the thread... you pay for auto insurance in case you're in an accident. You buy an extended warranty in case of mechanical failure. But neither of those types of insurance policies cover oil changes, tires, etc.

          Why can't health care be the same way? The argument has already been made that I, as a 35 year old male in pretty good shape, shouldn't need to pay for a plan with prescription coverage, birth control, or maternity coverage. But the same argument could be made if I was a 24 year old female... what if I don't want birth control? What if I have the money to pay for maternity costs out of pocket, and choose to? Should I really be forced to pay a monthly fee for those things because some bureaucrat decided it's a "better plan"?

          Isn't this supposed to be a free country? Why is the government in a "free country" forcing me to buy a product I don't want, with benefits I don't need?



          You're right about that, but not for the reason you might think...

          Think about the last time you had a bad experience with a business. Maybe they didn't do what you paid them for, maybe they did a crappy job, maybe they messed up. Maybe they did something illegal. Maybe they were just negative, nasty people to work with. Whatever the situation, you had options. There's a course of action... maybe it's a lawsuit, heck maybe you got the whole company shut down if it was something major. Whatever your options were, one of them was always the option to stop doing business with them.

          When the government takes over a sector, you have no such option. There is no "higher authority" to complain to. You can't switch providers. You can't get them shut down. You can't stop doing business with them.

          You can only "vote" - and hope enough other people also had a bad enough experience that your votes outnumber the people who didn't have a bad experience yet.

          That's not really a good situation to be in. Wouldn't it be better to "vote with your dollars" by not continuing to do business with them? In the private health care scenario, if I don't like my provider I can switch. If I don't like my insurance company, I can switch. But when government is in charge I can't. My right to choose has been taken away - or at the very least, severely limited.

          I'm not OK with that, and you shouldn't be either.

          Since single payer is working in other countries I don't see why it can't work here.

          I know you mentioned something about the total cost of actual care and perhaps the pharmaceuticals and medical R&D creating a problem for a single payer system here but I'm sure those problems could be worked out.

          Save the stuff about the super mythical free market swooping in to save the day and do the right things by the American people because if it could, it would have already done so.

          Save the stuff about the U.S. didn't really have a free market for HC also - it was free enough.


          For the record I'm a free marketer also but I also believe in heavy regulations.

          Greed got the better of just about all of the service folks and the only entity that has the power to make the HC companies, the MDs and the pharmas do the right things by the American people is the federal government.

          The MDs and big pharma could and should be next in the crosshairs.


          The abuse heaped on the American people went something like this...

          - 600K filing for bankruptcy per year thanks to a medical billing situation - and they had a HC plan.

          (this # has been disputed around here so I'll settle for 300K which is still way too many as far as I'm concerned)

          - Another 200K files for bankruptcy per year thanks to a medical prob who didn't have a plan.

          - 45K dying because of a medical problem.

          - Patients lying in a hospital beds, fighting for their lives are told that, sorry, your coverage is over. We cannot cover you anymore.

          - People living in fear of one bad medical problem wiping out what little had and having to make terrible no-win choices when it does happen.

          - Woman paying more than men just because they're a woman.

          - People working and staying on jobs just because of health insurance.

          - Americans getting kicked to the curb when they really get sick.

          - Americans with pre-existing conditions not being able to afford coverage.

          These problems may not be of any concern to you and some other folks around here but they are to me because all of the above could have happened to people I care about including myself.

          The super free market that many around here like to invoke, couldn't or wouldn't solve those problems above.

          So therefore...

          Personally, for a service like health care, especially since its working elsewhere, I would rather have the feds in charge of it or for it to be seriously regulated (like the ACA does) and single payer seems to be the better option of the two.

          Thanks!

          TL
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          • Profile picture of the author garyv
            Originally Posted by TLTheLiberator View Post



            Save the stuff about the U.S. didn't really have a free market for HC also - it was free enough.
            That's a load of malarkey.. They couldn't even do business across state lines. There's no such thing as "free enough" - it was either a free market, or it wasn't.

            I could also make the argument that - since the insurance business is basically set up w/ socialist principles, that we've had enough socialism to know that it doesn't work here.
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            • Profile picture of the author TLTheLiberator
              Originally Posted by garyv View Post

              That's a load of malarkey.. They couldn't even do business across state lines. There's no such thing as "free enough" - it was either a free market, or it wasn't.

              I could also make the argument that - since the insurance business is basically set up w/ socialist principles, that we've had enough socialism to know that it doesn't work here.


              The HC companies set up with socialist principles?

              LOL!

              What a joke. You were joking right?

              That stuff about allowing HC companies to sell across state lines wouldn't help much and would create more problems than it solves.

              We've already been over this Gary.

              I cut and pasted the following from earlier in this thread.

              The CBO doesn't have a lot of nice things to say about that policy but you're entitled.

              Ezra Klein - Selling insurance across state lines: A terrible, no good, very bad health-care idea


              The Truth About Selling Health Insurance Across State Lines:

              The truth about 'selling insurance across state lines' | Jay Bookman | www.ajc.com

              But of course, Forbes thinks it could work.

              Will Buying Health Insurance Across State Lines Reduce Costs? - Forbes
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              • Profile picture of the author garyv
                Originally Posted by TLTheLiberator View Post


                We've already been over this Gary.
                Sorry buddy - but your cutting and pasting of liberal authors is not what I call "going over this".
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                • Profile picture of the author TLTheLiberator
                  Originally Posted by garyv View Post

                  Sorry buddy - but your cutting and pasting of liberal authors is not what I call "going over this".
                  I also linked to Forbes who said it could work.

                  The articles point to the CBO report on the proposed legislation.

                  The CBO says it wouldn't do much of anything to solve any major problems for Americans as it relates to health care.

                  Your mythical free market competition would not make the HC companies do anything close to the right thing for the American people - since they won't have to.

                  Not that any of that matters to you.

                  What's that other free market strategy you spoke of earlier that you believe would spur healthy competition in the HC market?
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                  • Profile picture of the author lanfear63
                    You see there is this thing called infastructure.

                    The ability for a country to function.

                    My list of it's components are as follows: (In no particular order, feel free to add or debate as you wish)

                    Education
                    Health services
                    Sanitation and waste disposal
                    Availability of food and water
                    Fire and Emergency services
                    Police/Army
                    Housing
                    Jobs Creation to fulfill these needs
                    Transportation of goods and services around the country so..
                    Roads, bridges, railways, air-flight etc
                    Energy Creation & distribution
                    Phone services networks.

                    To name but a few.

                    In order to have these BASIC services we elect Governmental bodies regionally or nationally to collect taxes from us to pay for these BASIC NEEDS in a most cases.

                    Notice I listed Health Services as a BASIC need. No debate there in my opinion!

                    So why does the USA not see that the Health of it's people is a BASIC NEED?

                    Other countries do like the UK where I come from. We pay certain extra taxes and we get it. It's not perfect but everyone is entitled to Health Care. A lot of countries do the same now having modeled their system on us.

                    To have 45 million people unable to afford it in the US makes the country a world of have and have nots. Rich and poor, Rather like a third World Country.

                    It's all rather simple when you strip away the bias and indoctrinations that prevents people from seeing these simple truths.
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                    • Profile picture of the author TimPhelan
                      But... but... there's that free market thingy I have always heard about. Doesn't that trump everything else? Surely a free market could do all that better than the government which can never do anything right. It's free afterall which is short for freedom.

                      Originally Posted by lanfear63 View Post

                      You see there is this thing called infastructure.

                      The ability for a country to function.

                      My list of it's components are as follows: (In no particular order, feel free to add or debate as you wish)

                      Education
                      Health services
                      Sanitation and waste disposal
                      Availability of food and water
                      Fire and Emergency services
                      Police/Army
                      Housing
                      Jobs Creation to fulfill these needs
                      Transportation of goods and services around the country so..
                      Roads, bridges, railways, air-flight etc
                      Energy Creation & distribution
                      Phone services networks.

                      To name but a few.

                      In order to have these BASIC services we elect Governmental bodies regionally or nationally to collect taxes from us to pay for these BASIC NEEDS in a most cases.

                      Notice I listed Health Services as a BASIC need. No debate there in my opinion!

                      So why does the USA not see that the Health of it's people is a BASIC NEED?

                      Other countries do like the UK where I come from. We pay certain extra taxes and we get it. It's not perfect but everyone is entitled to Health Care. A lot of countries do the same now having modeled their system on us.

                      To have 45 million people unable to afford it in the US makes the country a world of have and have nots. Rich and poor, Rather like a third World Country.

                      It's all rather simple when you strip away the bias and indoctrinations that prevents people from seeing these simple truths.
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                      • Profile picture of the author ThomM
                        Originally Posted by TimPhelan View Post

                        But... but... there's that free market thingy I have always heard about. Doesn't that trump everything else? Surely a free market could do all that better than the government which can never do anything right. It's free afterall which is short for freedom.
                        Tim don't you sell your art under what is basically a free market system?
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                        • Profile picture of the author TimPhelan
                          Usually but I'm trying to get my congressman to propose a bill that mandates every American has to buy one work of art.
                          Originally Posted by ThomM View Post

                          Tim don't you sell your art under what is basically a free market system?
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                          • Profile picture of the author ThomM
                            Originally Posted by TimPhelan View Post

                            Usually but I'm trying to get my congressman to propose a bill that mandates every American has to buy one work of art.
                            You should also get him to regulate what you can paint and what you can charge for it. After all they know best.
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                      • Profile picture of the author MikeAmbrosio
                        Originally Posted by TimPhelan View Post

                        Surely a free market could do all that better than the government which can never do anything right.
                        Finally - something we agree on
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                      • Profile picture of the author lanfear63
                        Originally Posted by TimPhelan View Post

                        But... but... there's that free market thingy I have always heard about. Doesn't that trump everything else? Surely a free market could do all that better than the government which can never do anything right. It's free afterall which is short for freedom.
                        It's not free (in the UK), it's paid for by the people, for the people, a supplemental tax called "National Insurance". Covers health and unemployment benefit. As soon as you start work for others you do P.AY.E, pay as you earn. This is for taxes and nat insurance. Comes out of your salary. Your firm takes care of it,

                        No tax refunds and having to pay to DO your taxes at the end of the year. What you have in your pocket is what you have to spend, health covered, unemployment benefit covered. Life is simpler like that. Self employed people buy a stamp for the nat insurance and do their taxes yearly like the US except that they are paying them for a whole year, not getting a refund. :-)

                        Sure their is private health insurance if you want it. Often the same docs, better hospital food and they smile more. You get your non life threatening problems fixed quicker that way without having to wait a while. Never even considered it though!

                        With a few reservations, still, to this day, the National Health Service is one thing the government got right on the money in the UK!

                        I can step back though and see that in the US it would take a massive mindset change to convince people. It is still championed as the land of free enterprise, low taxes and opportunity. The American dream etc, perhaps in the 50's, but now a little tarnished. We had a moment like that in the UK in the early 60's
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                        • Profile picture of the author seasoned
                          Originally Posted by lanfear63 View Post

                          I can step back though and see that in the US it would take a massive mindset change to convince people. It is still championed as the land of free enterprise, low taxes and opportunity. The American dream etc, perhaps in the 50's, but now a little tarnished. We had a moment like that in the UK in the early 60's
                          You have it BACKWARDS! It ISN'T that the government has to work so hard to change the peoples mindsets. They worked REALLY hard, AND SUCCEEDED!!!!!!!! HOW?

                          They did things like OUTLAW cursing of various "officials". And things like making LYING about people in elections "legal"! If an opponent slanders or libels another opponent, there is no recourse! And things like unions in the government, and the teacher problems, etc... And things like THIS:

                          https://www.youtube.com/watch?v=Bx4pN-aiofw

                          Shouldn't even be considered possible!

                          With grades, you have to realize that grades given will TEND to go HIGHER! A person that is the product of such things will tend to consider lower quality schools better than they are.

                          Pools, gyms, and computers will NOT automatically make kids smarter! The US spends MORE than most, and perhaps all, other countries.

                          So they worked HARD to make us believe they are incompetent. They succeeded. OF COURSE they will have to work harder to undo that. They have worked for like 50 years to have the reputation they do.

                          Steve
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                        • Profile picture of the author TimPhelan
                          Sorry, my post wasn't that clear. I was being facetious and referring to the "free market" that others keep talking about and not the UK health system. Thanks for the response and useful information though.
                          Originally Posted by lanfear63 View Post

                          It's not free (in the UK), it's paid for by the people, for the people, a supplemental tax called "National Insurance". Covers health and unemployment benefit. As soon as you start work for others you do P.AY.E, pay as you earn. This is for taxes and nat insurance. Comes out of your salary. Your firm takes care of it,

                          No tax refunds and having to pay to DO your taxes at the end of the year. What you have in your pocket is what you have to spend, health covered, unemployment benefit covered. Life is simpler like that. Self employed people buy a stamp for the nat insurance and do their taxes yearly like the US except that they are paying them for a whole year, not getting a refund. :-)

                          Sure their is private health insurance if you want it. Often the same docs, better hospital food and they smile more. You get your non life threatening problems fixed quicker that way without having to wait a while. Never even considered it though!

                          With a few reservations, still, to this day, the National Health Service is one thing the government got right on the money in the UK!

                          I can step back though and see that in the US it would take a massive mindset change to convince people. It is still championed as the land of free enterprise, low taxes and opportunity. The American dream etc, perhaps in the 50's, but now a little tarnished. We had a moment like that in the UK in the early 60's
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                    • Profile picture of the author garyv
                      Originally Posted by lanfear63 View Post

                      You see there is this thing called infastructure.

                      The ability for a country to function.

                      My list of it's components are as follows: (In no particular order, feel free to add or debate as you wish)

                      Education
                      Health services
                      Sanitation and waste disposal
                      Availability of food and water
                      Fire and Emergency services
                      Police/Army
                      Housing
                      Jobs Creation to fulfill these needs
                      Transportation of goods and services around the country so..
                      Roads, bridges, railways, air-flight etc
                      Energy Creation & distribution
                      Phone services networks.

                      To name but a few.

                      In order to have these BASIC services we elect Governmental bodies regionally or nationally to collect taxes from us to pay for these BASIC NEEDS in a most cases.

                      Notice I listed Health Services as a BASIC need. No debate there in my opinion!

                      So why does the USA not see that the Health of it's people is a BASIC NEED?

                      Other countries do like the UK where I come from. We pay certain extra taxes and we get it. It's not perfect but everyone is entitled to Health Care. A lot of countries do the same now having modeled their system on us.

                      To have 45 million people unable to afford it in the US makes the country a world of have and have nots. Rich and poor, Rather like a third World Country.

                      It's all rather simple when you strip away the bias and indoctrinations that prevents people from seeing these simple truths.

                      Several of those are privately owned where I live - and they do a much better job than the government ever did.

                      Just because they are needed doesn't mean that the government needs to provide them. And it definitely doesn't mean that the government is the best or cheapest way to provide them.
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                    • Profile picture of the author MikeAmbrosio
                      Originally Posted by lanfear63 View Post

                      You see there is this thing called infastructure.

                      The ability for a country to function.

                      My list of it's components are as follows: (In no particular order, feel free to add or debate as you wish)

                      Education
                      Health services
                      Sanitation and waste disposal
                      Availability of food and water
                      Fire and Emergency services
                      Police/Army
                      Housing
                      Jobs Creation to fulfill these needs
                      Transportation of goods and services around the country so..
                      Roads, bridges, railways, air-flight etc
                      Energy Creation & distribution
                      Phone services networks.

                      To name but a few.

                      In order to have these BASIC services we elect Governmental bodies regionally or nationally to collect taxes from us to pay for these BASIC NEEDS in a most cases.

                      Notice I listed Health Services as a BASIC need. No debate there in my opinion!

                      So why does the USA not see that the Health of it's people is a BASIC NEED?

                      Other countries do like the UK where I come from. We pay certain extra taxes and we get it. It's not perfect but everyone is entitled to Health Care. A lot of countries do the same now having modeled their system on us.

                      To have 45 million people unable to afford it in the US makes the country a world of have and have nots. Rich and poor, Rather like a third World Country.

                      It's all rather simple when you strip away the bias and indoctrinations that prevents people from seeing these simple truths.
                      And why don't people outside the USA see that we don't deny that people need basic health care. In fact, we have it. It's simply not the same system as other countries.

                      The debate isn't about the need. It's about how to pay for it
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                      • Originally Posted by MikeAmbrosio View Post

                        And why don't people outside the USA see that we don't deny that people need basic health care. In fact, we have it. It's simply not the same system as other countries.

                        The debate isn't about the need. It's about how to pay for it
                        Problem is, too many Americans are happy to see that need go unmet if it doesn't impact them personally.
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                        • Profile picture of the author MikeAmbrosio
                          Originally Posted by Hopeless Bromantic View Post

                          Problem is, too many Americans are happy to see that need go unmet if it doesn't impact them personally.

                          Not really. It already impacts us personally. It's just that many don't believe in another tax and spend solution. We already pay a lot.

                          Yes - an over simplification. But not too far from reality.
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                      • Profile picture of the author lanfear63
                        Originally Posted by MikeAmbrosio View Post

                        And why don't people outside the USA see that we don't deny that people need basic health care. In fact, we have it. It's simply not the same system as other countries.

                        The debate isn't about the need. It's about how to pay for it
                        The people pay for it in their tax contributions. Just like they pay for roads, the fire and emergency services and all the rest of the things that are taken for granted and NEEDED to run a country effectively.

                        Everyone pays proportionate overall tax contributions based on their income and ability to pay. That's the way it should be in my opinion.

                        We have been doing this in the UK since 1948 for this most basic need. It has been a huge success for the most part. Many countries have adopted this system. I live in Texas now (my choice) and that's one of the things I miss and appreciate more than ever now I am away from it.

                        I have a unique perspective you might say having experienced our system and what you have here. To shy away or trying to come up with convoluted alternatives is just crazy. Especially as it has been proven to work well time and time again.

                        If you went to the UK now and got ill, you would be treated, no charge. The system is still that strong and robust.
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                        • Profile picture of the author seasoned
                          Originally Posted by lanfear63 View Post

                          We have been doing this in the UK since 1948 for this most basic need.
                          WOW! You don't eat, sleep, have shelter, etc....??? MAN, our media most be WAY out of whack! YEAH, we still need food, sleep, shelter, etc...

                          I have a unique perspective you might say having experienced our system and what you have here. To shy away or trying to come up with convoluted alternatives is just crazy. Especially as it has been proven to work well time and time again.
                          YEAH, we had cash, that apparently worked ok.
                          We had insurance, which worked ok, but they have now GUTTED! OH, it is good enough for the unions, politicians, etc... but NOT for us MORTALS.

                          As for the plan they are doing now? It has NEVER been tried ANYWHERE! It is UNIQUE! The germans and english have a saying about how it has been constructed. One variant is "Too many cooks spoil the porridge". But the US has NEVER done any of this right.

                          VA claims they are doing ok, http://www.defense.gov/news/newsarticle.aspx?id=14560
                          ALAS, it is for veterans and their immediate families, as well as high placed politicians.

                          As for medicaid and medicare? Medicare is cheating and plans to stop soon, like within the next 5 years. They may be forced to sooner. Medicaid is likely doing the same thing, but costs will skyrocket. So any reviews and the like would be tainted anyway.

                          If you went to the UK now and got ill, you would be treated, no charge. The system is still that strong and robust.
                          Might be, but it is a different system run by a different government, etc....

                          Steve
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                        • Profile picture of the author MikeAmbrosio
                          Originally Posted by lanfear63 View Post

                          If you went to the UK now and got ill, you would be treated, no charge. The system is still that strong and robust.
                          Not sure if you saw my earlier post about my mothers many ailments and the fact that she also got treated and did not pay a penny.

                          We have programs here in place that while not perfect (by a long shot), I have to question whether such a drastic measure is needed to "fix" it - especially considering many question whether this actually fixes anything.

                          One problem we have here that is a major stumbling block for health care (among other things) is 2 parties that are more concerned with passing their agenda or stopping the other parties agenda than they are with TRULY fixing the issues. If they actually put the people of this country first, perhaps they could all sit in the same room and come up with better solutions. We see a reflection of that divide right here in this forum
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                          • Profile picture of the author TLTheLiberator
                            Originally Posted by MikeAmbrosio View Post

                            Not sure if you saw my earlier post about my mothers many ailments and the fact that she also got treated and did not pay a penny.

                            We have programs here in place that while not perfect (by a long shot), I have to question whether such a drastic measure is needed to "fix" it - especially considering many question whether this actually fixes anything.

                            One problem we have here that is a major stumbling block for health care (among other things) is 2 parties that are more concerned with passing their agenda or stopping the other parties agenda than they are with TRULY fixing the issues. If they actually put the people of this country first, perhaps they could all sit in the same room and come up with better solutions.

                            We see a reflection of that divide right here in this forum
                            We sure do.

                            If I remember correctly, and I do, the author of this post and GaryV couldn't or wouldn't even give the POTUS a pat on the back when we removed UBL from the face of the Earth.

                            That was a great time for country first - but it was not to be with some quarters around here.
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              • Profile picture of the author seasoned
                Originally Posted by TLTheLiberator View Post

                The HC companies set up with socialist principles?

                LOL!

                What a joke. You were joking right?
                I doubt he was. They ARE setup with socialist principles! Richer people tend to pay more. The poorer people that need a LOT of care end up getting their care paid for by the healthier people, some of whom are a great deal richer.

                That stuff about HC companies not being able to sell across state lines wouldn't help much and would create more problems than it solves.
                NAME ONE problem! That stupid article was looking to create problems. Do states recommend different things? CERTAINLY! As for lead poisoning? WELL, most lead poisoning does PERMANENT damage. But if they want coverage nation wide, make it nation wide. If that is the issue that they IMPLY, then IT AFFECTS OBAMACARE ALSO! But the BEST cure for lead poisoning is *******STOP POISONING US********! That means STOP importing cheap lead toys from china. STOP using lead in pipes. STOP using lead in paint. etc.... STOP using lead in GAS. BTW Most of that HAS been done. Wen I was a kid, there was lead in ALL that stuff. Luckily, most kids weren't given much opportunity to be affected.

                NOW, where I live, RADON is a big issue. Out of all the homes I looked at MINE was the ONLY one with a mitigation system. Some issues are just regional.

                Steve
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          • Profile picture of the author ronrule
            Originally Posted by TLTheLiberator View Post

            Since single payer is working in other countries I don't see why it can't work here.

            I know you mentioned something about the total cost of actual care and perhaps the pharmaceuticals and medical R&D creating a problem for a single payer system here but I'm sure those problems could be worked out.
            So why aren't we working them out?

            On average, an MRI costs $1,121 in the U.S. and $363 in France. An appendectomy costs $13,851 in the U.S. and $4,782 in Switzerland. A birth by cesarean section costs $3,676 in the U.S. and $606 in Canada. A bottle of Nexium costs $202 in the U.S. and $32 in the U.K.

            Just those things above cost $18,850 in the USA and $5,783 elsewhere. That's why it works there and not here. Changing who pays the bill won't fix the real problem... and implementing a single-payer system without FIRST fixing that issue would make the problem even worse.

            Save the stuff about the super mythical free market swooping in to save the day and do the right things by the American people because if it could, it would have already done so.

            Save the stuff about the U.S. didn't really have a free market for HC also - it was free enough.
            Sorry, but you're wrong on this one... it's not even close to a free market. You're only looking at insurance companies, but you're failing to look at what they're spending the money they collect on. It's easy to say "insurance companies aren't heavily regulated" - and maybe you'd be right. But the things they're PAYING FOR are, and that's a huge part of why it's so expensive. Remember, the insurance companies are only making an 8% profit... but the regulation on care providers and practitioners, including educational requirements and ongoing training, clinical trials of pharmaceuticals, inspections, etc. are driving things up.

            It costs thousands of man-hours and millions of dollars to get a drug, procedure, or piece of equipment approved for medical use in this country. In France they rush drugs to the market faster, they don't have all of the red tape we have here. Now we could have a separate argument as to whether their system and approval process or ours is "better", but the point is that ours is what it is and it comes with a cost. That cost drives up the price of the end product.

            Even reliable, proven technologies take many years. Did you know 3G wireless still isn't approved for medical use on holter monitors in the United States? Bluetooth is, but not 3G. Medical technology companies have been trying to get this done since 2005... government red tape is the only thing holding it up. Again, we could have a separate conversation as to whether that's good or bad, but it is what it is. In the meantime, the people who invested in those companies continue to prop them up, spending money keeping those workers employed and those companies afloat with no revenue until it's approved. The more they have to invest before they can start selling their product, the higher the price of the product needs to be to recoup the investment.

            For the record I'm a free marketer also but I also believe in heavy regulations.

            Greed got the better of just about all of the service folks and the only entity that has the power to make the HC companies, the MDs and the pharmas do the right things by the American people is the federal government.
            Those "heavy regulations" make things more expensive here than other countries, and I don't consider an 8% margin for an insurance company particularly greedy. The insurance companies aren't the problem, they never have been. It's the cost of care that's the problem.

            Here's something else to think about... when a group of investors or a company spend millions of dollars to create a product, and then that product isn't approved, what happens? All of those investors lost their money... which means the next thing they invest in needs to be profitable enough to make it back, so the next product to come out is priced artificially high. That's not "greed", it's just covering your losses with your wins.

            And if the system wasn't allowed to work that way, no one would invest in medical technology, and there would be no further advancement.

            Countries that aren't in the business of producing medical technology don't have this problem... their companies can just copy it once all the R&D and clinical trials and everything we're paying for are done.

            Anyway, my point is that there are a lot of things that have to be fixed before we get to paying the bill. Moving to a single payer system under our current infrastructure is the wrong approach, and would have disastrous consequences. There are too many other things that have to change first in order for that to work.
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            • Profile picture of the author TLTheLiberator
              Originally Posted by ronrule View Post

              So why aren't we working them out?

              On average, an MRI costs $1,121 in the U.S. and $363 in France. An appendectomy costs $13,851 in the U.S. and $4,782 in Switzerland. A birth by cesarean section costs $3,676 in the U.S. and $606 in Canada. A bottle of Nexium costs $202 in the U.S. and $32 in the U.K.

              Just those things above cost $18,850 in the USA and $5,783 elsewhere. That's why it works there and not here. Changing who pays the bill won't fix the real problem... and implementing a single-payer system without FIRST fixing that issue would make the problem even worse.



              Sorry, but you're wrong on this one... it's not even close to a free market. You're only looking at insurance companies, but you're failing to look at what they're spending the money they collect on. It's easy to say "insurance companies aren't heavily regulated" - and maybe you'd be right. But the things they're PAYING FOR are, and that's a huge part of why it's so expensive. Remember, the insurance companies are only making an 8% profit... but the regulation on care providers and practitioners, including educational requirements and ongoing training, clinical trials of pharmaceuticals, inspections, etc. are driving things up.

              It costs thousands of man-hours and millions of dollars to get a drug, procedure, or piece of equipment approved for medical use in this country. In France they rush drugs to the market faster, they don't have all of the red tape we have here. Now we could have a separate argument as to whether their system and approval process or ours is "better", but the point is that ours is what it is and it comes with a cost. That cost drives up the price of the end product.

              Even reliable, proven technologies take many years. Did you know 3G wireless still isn't approved for medical use on holter monitors in the United States? Bluetooth is, but not 3G. Medical technology companies have been trying to get this done since 2005... government red tape is the only thing holding it up. Again, we could have a separate conversation as to whether that's good or bad, but it is what it is. In the meantime, the people who invested in those companies continue to prop them up, spending money keeping those workers employed and those companies afloat with no revenue until it's approved. The more they have to invest before they can start selling their product, the higher the price of the product needs to be to recoup the investment.



              Those "heavy regulations" make things more expensive here than other countries, and I don't consider an 8% margin for an insurance company particularly greedy. The insurance companies aren't the problem, they never have been. It's the cost of care that's the problem.

              Here's something else to think about... when a group of investors or a company spend millions of dollars to create a product, and then that product isn't approved, what happens? All of those investors lost their money... which means the next thing they invest in needs to be profitable enough to make it back, so the next product to come out is priced artificially high. That's not "greed", it's just covering your losses with your wins.

              And if the system wasn't allowed to work that way, no one would invest in medical technology, and there would be no further advancement.

              Countries that aren't in the business of producing medical technology don't have this problem... their companies can just copy it once all the R&D and clinical trials and everything we're paying for are done.

              Anyway, my point is that there are a lot of things that have to be fixed before we get to paying the bill. Moving to a single payer system under our current infrastructure is the wrong approach, and would have disastrous consequences. There are too many other things that have to change first in order for that to work.
              Sir, you are entitled.
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              • Profile picture of the author ronrule
                Originally Posted by TLTheLiberator View Post

                Sir, you are entitled.
                You said you didn't understand why if it works in other countries it can't work here. I just explained it. I'm sorry if the economics of it were over your head. :rolleyes:
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                • Profile picture of the author TLTheLiberator
                  Originally Posted by ronrule View Post

                  You said you didn't understand why if it works in other countries it can't work here. I just explained it. I'm sorry if the economics of it were over your head. :rolleyes:
                  Not over my head, I just disagree with your analysis.

                  As far as research is concerned why can't we have even more of a public/private partnership? Or even research partnerships with other western governments?

                  There are many ways around all the probs you listed for the creative.

                  Here's a pdf regarding funds spent for medical and pharma research in America.

                  http://www.researchamerica.org/uploa...thdollar12.pdf


                  I've said before both the MDs/hospitals and the pharmas can be made to be more reasonable but its one step at a time.

                  Imagine if the admin had tried to bring to heel the MDs, big pharma and the HC companies all at the same time.

                  The ACA was probably not gonna happen.


                  The ACA has already stopped clear overpayments to MDs & hospitals to the tune of 70 billion a year and dumped the savings back into the ACA and better care for seniors eventually closing that dreaded donut hole for seniors.

                  The next step is to carefully develop a list of reasonable price controls for medical procedures to help bring costs down.


                  BTW...

                  And you still haven't told me how the free market would alleviate all those problems for the American people I mentioned because you and I both know it won't happen without force from the federalies.

                  Why would the HC companies play nice without being forced to since it would only cost them money - perhaps their profit margin?

                  So the trade off for now, is they will get a lot more customers but they must spend 80% of all premium bucks on actual care or give rebates for the difference.

                  BTW...

                  You claiming that more people lost insurance than gained insurance since the ACA is not correct proving you're not right about everything - not that you said your were.

                  You forgot to count all the folks that signed up via the medicaid expansion part of the ACA and most of that 7 million you count as losing their insurance still get to keep their crappy policies for another year - if they like.


                  The percentage of Americans without health insurance continues to fall, measuring 15.9% so far in 2014 compared with 17.1% in the fourth quarter of 2013.

                  U.S. Uninsured Rate Continues to Fall

                  And...

                  Where'd you get that 2 trillion dollar figure you keep quoting?
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                  • Profile picture of the author ronrule
                    Originally Posted by TLTheLiberator View Post

                    Not over my head, I just disagree with your analysis.

                    As far as research is concerned why can't we have even more of a public/private partnership? Or even research partnerships with other western governments?

                    There are many ways around all the probs you listed for the creative.

                    Here's a pdf regarding fund spent for medical and pharma research in America.

                    http://www.researchamerica.org/uploa...thdollar12.pdf


                    I've said before both the MDs/hospitals and the pharmas can be made to be more reasonable but its one step at a time.
                    I agree with you on that - my point is that we have to START there. You don't start by changing who pays the bill, that won't do anything to help the problem. It's the last piece of a much longer chain.

                    If you notice your roof is crooked, you would want to get that fixed, right? But if the CAUSE of the roof being crooked was a crack in the foundation, is the best approach to fix the roof first? No. You need to fix the foundation first. THEN fix the roof.

                    Imagine if the admin had tried to bring to heel the MDs, big pharma and the HC companies all at the same time.

                    The ACA was probably not gonna happen.

                    The ACA has already stopped clear overpayments to MDs & hospitals to the tune of 70 billion a year and dumped the savings back into the ACA and better care for seniors eventually closing that dreaded donut hole for seniors.
                    This isn't a new practice, private insurance companies constantly check for duplicate billing. The ACA is taking credit for something that would have happened anyway within those exact same companies. The two things that the ACA got right, which pretty much everyone agrees on - ending caps and ending exclusions for past conditions - could have been done at the legislative level without creating the ACA. That could have been fixed with the stroke of a pen without a government takeover.

                    The next step is to carefully develop a list of reasonable price controls for medical procedures to help bring costs down.
                    No, that should have been the first step. But it's not "price controls" that the industry necessarily needs, it's an evaluation of WHY the price is what it is, and what can be cut... that process will likely reveal a lot of fraud and gouging among the care providers (remember, we're talking actual care here, not insurance), and getting that cleaned up will effectively become a price control.

                    BTW...

                    And you still haven't told me how the free market would alleviate all those problems for the American people I mentioned because you and I both know it won't happen without force from the federalies.

                    Why would the HC companies play nice without being forced to since it would only cost them money - perhaps their profit margin?
                    I wasn't the one who said a pure free market would work here, so I'm not sure what you're talking about.

                    So the trade off for now, is they will get a lot more customers but they must spend 80% of all premium bucks on actual care or give rebates for the difference.
                    They spent 92% before the ACA.

                    BTW...

                    You claiming that more people lost insurance than gained insurance since the ACA is not correct proving you're not right about everything - not that you said your were.

                    You forgot to count all the folks that signed up via the medicaid expansion part of the ACA and most of that 7 million you count as losing their insurance still get to keep their crappy policies for another year - if they like.


                    The percentage of Americans without health insurance continues to fall, measuring 15.9% so far in 2014 compared with 17.1% in the fourth quarter of 2013.

                    U.S. Uninsured Rate Continues to Fall
                    You keep posting this poll... you do realize it's a poll and not actual signup statistics, right? Gallup called 28,396 people in February and asked them if they had insurance.

                    According to the administration's own data, 5 million signed up for the ACA. And according to the insurance companies, who were forced to cancel plans because they didn't meet ACA requirements, they sent 7 million cancellation letters. That's a net loss of 2 million people insured, regardless of what any poll says.

                    By the way, funny thing about polls... a 28,396 sample size on a country with 300 million Americans means they literally polled 0.009% of the population.

                    Also, the poll didn't account for household size. When I lost my insurance due to the ACA requiring it be canceled, that wasn't just me, that was five people who were now without insurance. The reverse is also true, if I had signed up for the ACA that single account means 5 more people are insured. So I'm going to trust the ACA and the insurance company's numbers more than a poll representing 0.009% of the population.

                    And...

                    Where'd you get that 2 trillion dollar figure you keep quoting?
                    That was a 2009 figure based on CBO research, which was a really thorough breakdown. According to an NPR source it's closer to $3 trillion now, but I haven't had a chance to really dive into it. I suspect it's probably accurate, but I try not to repeat things I haven't confirmed. What's interesting is that the NPR piece goes into many of the same reasons I did for why costs are so high, and how negligible the impact of the ACA will be.
                    Dissecting America's $3 Trillion Medical Bill : NPR
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                    • Profile picture of the author TLTheLiberator
                      Originally Posted by ronrule View Post

                      I agree with you on that - my point is that we have to START there. You don't start by changing who pays the bill, that won't do anything to help the problem. It's the last piece of a much longer chain.

                      If you notice your roof is crooked, you would want to get that fixed, right? But if the CAUSE of the roof being crooked was a crack in the foundation, is the best approach to fix the roof first? No. You need to fix the foundation first. THEN fix the roof.



                      This isn't a new practice, private insurance companies constantly check for duplicate billing. The ACA is taking credit for something that would have happened anyway within those exact same companies.

                      The two things that the ACA got right, which pretty much everyone agrees on - ending caps and ending exclusions for past conditions - could have been done at the legislative level without creating the ACA. That could have been fixed with the stroke of a pen without a government takeover.



                      No, that should have been the first step. But it's not "price controls" that the industry necessarily needs, it's an evaluation of WHY the price is what it is, and what can be cut... that process will likely reveal a lot of fraud and gouging among the care providers (remember, we're talking actual care here, not insurance), and getting that cleaned up will effectively become a price control.



                      I wasn't the one who said a pure free market would work here, so I'm not sure what you're talking about.



                      They spent 92% before the ACA.



                      You keep posting this poll... you do realize it's a poll and not actual signup statistics, right? Gallup called 28,396 people in February and asked them if they had insurance.

                      According to the administration's own data, 5 million signed up for the ACA. And according to the insurance companies, who were forced to cancel plans because they didn't meet ACA requirements, they sent 7 million cancellation letters. That's a net loss of 2 million people insured, regardless of what any poll says.



                      That was a 2009 figure based on CBO research, which was a really thorough breakdown. According to an NPR source it's closer to $3 trillion now, but I haven't had a chance to really dive into it. I suspect it's probably accurate, but I try not to repeat things I haven't confirmed. What's interesting is that the NPR piece goes into many of the same reasons I did for why costs are so high, and how negligible the impact of the ACA will be.
                      Dissecting America's $3 Trillion Medical Bill : NPR
                      Ok, you're not the "super free-market is the answer guy" - my mistake.

                      - 5-6 million signed up from the exchanges but you still didn't count the folks that signed up via the medicaid-expansion part of the ACA through the states- and the 2 1/2 - 3 million young folks who now piggi-backed on their parents plans.

                      And once again the admin said those people who received those cancellation letters can keep their crappy policies for another two years and after that they'll get a new policy with better benefits that may or may not cost more depending on their situation due to ACA subsidies.


                      Feds give 2-year grace period for non-Obamacare plans


                      So the ACA easily has brought in a lot more insured than was lost.

                      And I guess the new set of new HC benefits the American people have received via the ACA would have also happened anyway?

                      Thanks for the source of the 2 trillion figure.
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                      • Profile picture of the author ronrule
                        Originally Posted by TLTheLiberator View Post

                        Ok, you're not the "super free-market is the answer guy" - my mistake.

                        - 5-6 million signed up from the exchanges but you still didn't count the folks that signed up via the medicaid-expansion part of the ACA through the states- and the 2 1/2 - 3 million young folks who now piggi-backed on their parents plans.
                        I don't think Medicaid should count, because we weren't counting it in the original numbers (the supposed 40 million uninsured). Most of that 40 million were covered by Medicaid because they couldn't afford insurance. So it's not really fair to count Medicaid signups as insured if we didn't count them originally. If we're going to do the math that way, then there were never 40 million uninsured to begin with, it was only 15 million.

                        And once again the admin said those people who received those cancellation letters can keep their crappy policies for another two years and after that they'll get a new policy with better benefits that may or may not cost more depending on their situation due to ACA subsidies.


                        Feds give 2-year grace period for non-Obamacare plans
                        It's not really that simple though... not all of those plans came back. You keep referring to them as "crappy policies" but I can assure you my policy was very good. It was a high deductible - $15,000. It didn't cover anything until I had spent $15,000. Then it covered everything over that (up to $2 million at least). I really liked that plan because I wasn't paying for coverage I didn't need, and if something catastrophic happened I don't have a problem paying that deductible. But it's no longer available because that plan doesn't make sense for the insurance company without the cap. So just because the President decided he could arbitrarily change laws passed through congress doesn't mean it "undid" what was done.

                        So the ACA easily has brought in a lot more insured than was lost.
                        I'm not sure why you keep saying that when the number say otherwise. The surge in ACA signups happened right at the cancellation date of the other plans (before the government decided not to enforce it - there was a gap in there, and the bulk of the ACA signups happened during that gap). That tells me the majority of the people who signed up for the ACA were people who lost their coverage. Based on the data you and I have access to, neither of us can really confirm or deny that for sure, but that sure seems more plausible than what you're suggesting.

                        Also keep in mind that since the government is subsidizing portions, it may very well have been cheaper for some people to switch from their current provider to an ACA plan. The plans themselves weren't cheaper, but the cost to the individual would be lower if the government is paying a portion of their bill. The point is there aren't a bunch of new people to the insurance rosters, they're people who were already insured and simply switched providers. Or happened to qualify for free care programs via Medicaid, which also could have been done without the ACA.

                        And I guess the new set of new HC benefits the American people have received via the ACA would have also happened anyway?
                        It could have. The government could have passed laws to require insurance companies eliminate policy caps and exclusions for pre-existing conditions. We had that in Florida already for the pre-existing portion. If you got your insurance from your employer, they couldn't exclude coverage for past conditions. Florida passed this legislation decades ago without the need for a health care takeover.

                        The ACA really hasn't done the good you think it has. It's given more control to the insurance companies, caused more people to be without insurance, forces more people to pay for coverage they don't need, and did nothing to bring down the cost of actual care. It's not a good deal, man. I totally get the intentions behind it, but it was poorly designed, even more poorly executed, and passed by politicians who didn't read it. Not a good deal for us...
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                        • Profile picture of the author TLTheLiberator
                          Originally Posted by ronrule View Post

                          I don't think Medicaid should count, because we weren't counting it in the original numbers (the supposed 40 million uninsured). Most of that 40 million were covered by Medicaid because they couldn't afford insurance. So it's not really fair to count Medicaid signups as insured if we didn't count them originally. If we're going to do the math that way, then there were never 40 million uninsured to begin with, it was only 15 million.



                          It's not really that simple though... not all of those plans came back. You keep referring to them as "crappy policies" but I can assure you my policy was very good. It was a high deductible - $15,000. It didn't cover anything until I had spent $15,000. Then it covered everything over that (up to $2 million at least). I really liked that plan because I wasn't paying for coverage I didn't need, and if something catastrophic happened I don't have a problem paying that deductible. But it's no longer available because that plan doesn't make sense for the insurance company without the cap. So just because the President decided he could arbitrarily change laws passed through congress doesn't mean it "undid" what was done.



                          I'm not sure why you keep saying that when the number say otherwise. The surge in ACA signups happened right at the cancellation date of the other plans (before the government decided not to enforce it - there was a gap in there, and the bulk of the ACA signups happened during that gap). That tells me the majority of the people who signed up for the ACA were people who lost their coverage. Based on the data you and I have access to, neither of us can really confirm or deny that for sure, but that sure seems more plausible than what you're suggesting.

                          Also keep in mind that since the government is subsidizing portions, it may very well have been cheaper for some people to switch from their current provider to an ACA plan. The plans themselves weren't cheaper, but the cost to the individual would be lower if the government is paying a portion of their bill. The point is there aren't a bunch of new people to the insurance rosters, they're people who were already insured and simply switched providers. Or happened to qualify for free care programs via Medicaid, which also could have been done without the ACA.



                          It could have. The government could have passed laws to require insurance companies eliminate policy caps and exclusions for pre-existing conditions. We had that in Florida already for the pre-existing portion. If you got your insurance from your employer, they couldn't exclude coverage for past conditions. Florida passed this legislation decades ago without the need for a health care takeover.

                          The ACA really hasn't done the good you think it has. It's given more control to the insurance companies, caused more people to be without insurance, forces more people to pay for coverage they don't need, and did nothing to bring down the cost of actual care. It's not a good deal, man. I totally get the intentions behind it, but it was poorly designed, even more poorly executed, and passed by politicians who didn't read it. Not a good deal for us...

                          I disagree with your numbers and how you've decided to tally them.

                          As I said earlier, your are entitled.

                          As far as the so-called crappy policies are concerned...

                          You paid for a very good policy but most people couldn't, didn't and got a crappy policy.

                          Thanks!


                          TL
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                  • Profile picture of the author seasoned
                    Originally Posted by TLTheLiberator View Post

                    Not over my head, I just disagree with your analysis.
                    Make up your mind.

                    As far as research is concerned why can't we have even more of a public/private partnership? Or even research partnerships with other western governments?
                    Well, I WOULD ask you to suggest a person that could answer that, but I know they won't.


                    I've said before both the MDs/hospitals and the pharmas can be made to be more reasonable but its one step at a time.

                    Imagine if the admin had tried to bring to heel the MDs, big pharma and the HC companies all at the same time.
                    Well, we just took a GIGANTIC step BACKWARDS!

                    The ACA has already stopped clear overpayments to MDs & hospitals to the tune of 70 billion a year and dumped the savings back into the ACA and better care for seniors eventually closing that dreaded donut hole for seniors.
                    WRONG! Obamacare Robs Medicare of $716 Billion to Fund Itself | The Foundry: Conservative Policy News from The Heritage Foundation

                    The next step is to carefully develop a list of reasonable price controls for medical procedures to help bring costs down.
                    The first ACA was loaded with LOTS of things to INCREASE cost. I might read the latest but know it is a fairy tale at this point, always changing. Technically, it says tat it can not exist!

                    And you still haven't told me how the free market would alleviate all those problems for the American people I mentioned because you and I both know it won't happen without force from the federalies.
                    federalies? do you mean the federales? What do THEY have to do with anything? Federales - Wikipedia, the free encyclopedia

                    Why would the HC companies play nice without being forced to since it would only cost them money - perhaps their profit margin?
                    You're right. THAT is why hondas cost over $200K USD now, even for the CHEAPEST model!

                    You claiming that more people lost insurance than gained insurance since the ACA is not correct proving you're not right about everything - not that you said your were.

                    You forgot to count all the folks that signed up via the medicaid expansion part of the ACA and most of that 7 million you count as losing their insurance still get to keep their crappy policies for another year - if they like.
                    MAN, that is SO wrong!

                    They DON'T know all that are legitimately signed up. They DON'T track those losing insurance, but they estimated high loses in 2010. Insurance companies can NOT simply start insuring people they dropped, ESPECIALLY since the plans are now considered ILLEGAL!

                    So you can say we are not 100% right till you are blue in the face. The FACT is that what you are being told is fact is nothing of the sort. If they were even CLOSE, it would be a MIRACLE! But the fact IS that many HAVE been dropped and many of them have had treatment interrupted or destroyed because of it. And some of those may even DIE!

                    Steve
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                    • Profile picture of the author MikeAmbrosio
                      Originally Posted by seasoned View Post

                      So you can say we are not 100% right till you are blue in the face. The FACT is that what you are being told is fact is nothing of the sort. If they were even CLOSE, it would be a MIRACLE! But the fact IS that many HAVE been dropped and many of them have had treatment interrupted or destroyed because of it. And some of those may even DIE!

                      Steve
                      So, I was talking to my mother in law this morning after she returned from the podiatrist. She told me 2 interesting things.

                      Her podiatrist took vitals from her for the first time - blood pressure, height/weight, etc. - because the ACA now says they have to. Never in the 20 years that she's been going there did they do that. They had to hire someone extra because of it. LOL

                      And she ran in to one of her friends in the waiting room. Her friend was VERY excited because she finally had insurance that covered foot care after signing up for ACA plan on HC.gov

                      She was excited right up until they told her (at the office) that her deductible was $5000.00 - for a single person policy - for a senior citizen. This on top of her premiums which, as she said, were more affordable than her old plan. So she left the office since she still couldn't afford the foot care.

                      Yeah, I know this is just a microcosm as an example goes. But my mother in law has a LOT of senior friends - she works at the church and talks to a LOT of people. She has been hearing stories very similar to this one for the past year. I'm sure there's some good stories out there too. But considering the fact that NY is a very "progressive" state, I am more than a little surprised at the predominantly negative stories and opinions on the ACA.
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                      • Profile picture of the author seasoned
                        Originally Posted by MikeAmbrosio View Post

                        So, I was talking to my mother in law this morning after she returned from the podiatrist. She told me 2 interesting things.

                        Her podiatrist took vitals from her for the first time - blood pressure, height/weight, etc. - because the ACA now says they have to. Never in the 20 years that she's been going there did they do that. They had to hire someone extra because of it. LOL
                        INTERESTING, but how often are things a podiatrist does affected by bloodpressure or pulse? I mean do chiropractors now have to do this? I don't think they did before.

                        For MOST doctors and hospitals, it has been MY experience that they ALL take blood pressure and pulse.

                        And she ran in to one of her friends in the waiting room. Her friend was VERY excited because she finally had insurance that covered foot care after signing up for ACA plan on HC.gov

                        She was excited right up until they told her (at the office) that her deductible was $5000.00 - for a single person policy - for a senior citizen. This on top of her premiums which, as she said, were more affordable than her old plan. So she left the office since she still couldn't afford the foot care.
                        She was LUCKY! MY OC premium would be HIGHER! But YEAH, too many feel insurance pays for everything, etc.... But if there were NO deductible, she would have trouble even getting an appointment! I usually DON'T go to the doctor/hospital. I literally FOUGHT to stay away!

                        Yeah, I know this is just a microcosm as an example goes. But my mother in law has a LOT of senior friends - she works at the church and talks to a LOT of people. She has been hearing stories very similar to this one for the past year. I'm sure there's some good stories out there too. But considering the fact that NY is a very "progressive" state, I am more than a little surprised at the predominantly negative stories and opinions on the ACA.
                        EXACTLY! The ONLY reason why THEY are negative is because THEY actually TRIED! Oh SURE, HC.G can gloss over it!(As I recall, you have to click on the button for the plan you want, to see the details, scroll down, and understand how insurance works to see it.) SURE, navigators can totally evade the question! People on the phone can evade the question. The insurance company won't clearly indicate it everywhere(It is in te policy, but not something that would stand out). The "INSURED" can be BLISSFULLY IGNORANT! But the provider ****HAS**** to check, and WILL! You usually find that within 20 minutes of finishing the signin procedures for the appointment.(during or immediately after that procedure, they check.)

                        Steve
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                      • Profile picture of the author ThomM
                        I haven't heard any good stories up here either Mike.
                        A friend (in his early 30's) found out his health insurance he had at work was going to triple in cost starting in Jan. So he went to NY's health care website and couldn't find any policy that made sense to him. All the ones that where affordable had such high deductibles that, for a healthy person who goes to a doctor MAYBE once a year they didn't make sense.
                        Even with medicare you still have to buy parts of it to have any benefits.
                        Funny thing is we had affordable health care already with Family Health Plus and Child Health Plus from the Pataki days.
                        When I blew out my back in 2002 I didn't have insurance. I quantified for FHP and because I wasn't working it didn't cost me anything for the monthly premium. It was with CDPHP everything was covered 100% including pre-existing conditions.
                        My friend went through a similar situation once.
                        When my wife died and I had guardianship of my step-daughter I used the Child Health Plus. She had 100% coverage wirh no deductibles and it cost me $9 a month.

                        That's been one of my arguments against the ACA from the beginning. There is a way to use our tax dollar to provide affordable health care to everyone who wants it and those that need it. It's a fair system where the premium is based on what you make. It's not forced on you (like the ACA) but if something happens and you suddenly need insurance you can get it and have that problem covered.
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                        • Profile picture of the author MikeAmbrosio
                          Originally Posted by ThomM View Post

                          I haven't heard any good stories up here either Mike.
                          A friend (in his early 30's) found out his health insurance he had at work was going to triple in cost starting in Jan. So he went to NY's health care website and couldn't find any policy that made sense to him. All the ones that where affordable had such high deductibles that, for a healthy person who goes to a doctor MAYBE once a year they didn't make sense.
                          Even with medicare you still have to buy parts of it to have any benefits.
                          Funny thing is we had affordable health care already with Family Health Plus and Child Health Plus from the Pataki days.
                          When I blew out my back in 2002 I didn't have insurance. I quantified for FHP and because I wasn't working it didn't cost me anything for the monthly premium. It was with CDPHP everything was covered 100% including pre-existing conditions.
                          My friend went through a similar situation once.
                          When my wife died and I had guardianship of my step-daughter I used the Child Health Plus. She had 100% coverage wirh no deductibles and it cost me $9 a month.

                          That's been one of my arguments against the ACA from the beginning. There is a way to use our tax dollar to provide affordable health care to everyone who wants it and those that need it. It's a fair system where the premium is based on what you make. It's not forced on you (like the ACA) but if something happens and you suddenly need insurance you can get it and have that problem covered.

                          Wow, I can see why we need the ACA :rolleyes:

                          (sarcasm)

                          Similar to my mother. She had no insurance. She paid nothing. Yes, thanks to Government programs - which was my point.
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                        • Originally Posted by ThomM View Post

                          That's been one of my arguments against the ACA from the beginning. There is a way to use our tax dollar to provide affordable health care to everyone who wants it and those that need it. It's a fair system where the premium is based on what you make. It's not forced on you (like the ACA) but if something happens and you suddenly need insurance you can get it and have that problem covered.
                          Hang on. In order for an insurance provider to offer you a premium based on your income, somebody (presumably the government) has to force them to do it. The free market certainly won't.
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                          • Profile picture of the author MikeAmbrosio
                            Originally Posted by Hopeless Bromantic View Post

                            Hang on. In order for an insurance provider to offer you a premium based on your income, somebody (presumably the government) has to force them to do it. The free market certainly won't.
                            I believe that's why he said "our tax dollars" (correct me if I'm wrong Tom).

                            Personally I think we need both free market and the government. Which we've had. Not perfect. But with dedication on both sides of the aisle, I think it could have been made better without resorting to ACA.
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                          • Profile picture of the author ThomM
                            Originally Posted by Hopeless Bromantic View Post

                            Hang on. In order for an insurance provider to offer you a premium based on your income, somebody (presumably the government) has to force them to do it. The free market certainly won't.
                            You're barking up the wrong tree.
                            I never said the free market was the only way to solve our health insurance problems.
                            I'm not against it, but I've never advocated it as the only solution.
                            Back when the ACA was new and we where just learning what it was, I mentioned a system like Family Health Plus and Child Health Plus as being much better and more logical then the ACA.
                            In fact Tim and I talked about it either here or on FB.
                            I don't have a problem with my taxes helping others as long as it's done in a fair and sensible way.
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                            • Originally Posted by ThomM View Post

                              You're barking up the wrong tree.
                              I never said the free market was the only way to solve our health insurance problems.
                              I'm not against it, but I've never advocated it as the only solution.
                              Back when the ACA was new and we where just learning what it was, I mentioned a system like Family Health Plus and Child Health Plus as being much better and more logical then the ACA.
                              In fact Tim and I talked about it either here or on FB.
                              I don't have a problem with my taxes helping others as long as it's done in a fair and sensible way.
                              The ACA was a lousy compromise in many ways. Not every compromise that comes out of Washington is a good one (although many are).

                              Hopefully we can continue to improve and restructure it once we have a better picture of its impact.
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      • Originally Posted by TLTheLiberator View Post

        Good thoughts! Especially regarding the source of our health problems.

        How about wipe out the HC companies and that would get rid of another high cost.

        All the while the nation slowly but surely gets healthier and that 2 trillion dollar bill will be further reduced the healthier we become.

        There would still be a financial incentive to lose weight and become healthier because the less we pay in total for HC the lower everyone's premium.

        But you probably don't like the part about the feds being in charge of it and not the HC companies.
        Interestingly, this line of thinking has a lot to do with why so many single-payer systems (and many HMOs here in the States) put such a tremendous emphasis on managed care.

        They know that it's cheaper to invest in getting their patients to adopt healthier habits than it is to treat the consequences of unhealthy living later.
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        • Profile picture of the author ronrule
          Originally Posted by Hopeless Bromantic View Post

          Interestingly, this line of thinking has a lot to do with why so many single-payer systems (and many HMOs here in the States) put such a tremendous emphasis on managed care.

          They know that it's cheaper to invest in getting their patients to adopt healthier habits than it is to treat the consequences of unhealthy living later.
          Managed care is just another extension of being told what to do...

          What I'm saying is more like "Keep your freedom, but understand the price."

          If you like being 400 lbs, rock on, I'm not going to make you go on a diet. Just know that you're going to pay twice as much for health insurance as someone who's in better shape. And if you get tired of paying that rate, get those extra lbs off and next year you'll get the same rate as the healthy guy.

          That's reasonable, isn't it?

          I mean, let's say I've had 3 DUI's and been in two accidents, and you've had zero, I'm going to pay more for car insurance than you because my behavior is more likely to cost the insurance company money than yours. Shouldn't I also be paying more for health insurance?

          Since obesity complications account for two thirds of all medical spending, I think it's perfectly reasonable that obese people pay 3 times as much.

          That's not an attack on people who are overweight, I'm a former fat guy myself... five years ago I was a chain smoker with a 42" waist. I saw my Dad go through multiple complex heart surgeries, all because of his personal health habits, and I didn't want that to be me when I was his age. Now I'm in good shape dropped 10" off my waist, and statistically speaking I will cost my insurance company far less than I would have on the path I was on.

          I shouldn't be paying the same rate as a smoker who is the size I used to be, just like I shouldn't be paying the same rate for car insurance as a guy with 3 DUI's.

          I honestly believe habit-based pricing is the best solution to our health care issues.

          If we could magically make everyone healthy overnight, the money paid to providers every year would drop from $2 trillion to $666 billion. That's HUGE.

          But since there is no magic wand... shouldn't the people who cost the most on things that are completely within their control be PAYING the most for coverage?

          If you get cancer, that's not your fault. You shouldn't be paying more for that. But if you're having quadruple bypass surgery because you're 400 lbs and your cholesterol has clogged your arteries to the point where it would be like trying to breathe through a coffee stirrer, that's on you. I shouldn't have to pay for your heart attacks because you don't take care of your body. I will GLADLY help pay for your cancer treatments and shave my head so you can have a wig, but dude I'm not paying for your liver transplant because you drink too much.

          And I'm telling you, man... when you start telling people "Your price will go UP if you stay this size, and your price will DROP if you get in shape" watch how fast people start getting in shape. That's a a much better incentive than Michelle Obama telling kids they can't have cookies, or trying to ban big cups.
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          • Originally Posted by ronrule View Post

            Managed care is just another extension of being told what to do...

            What I'm saying is more like "Keep your freedom, but understand the price."

            If you like being 400 lbs, rock on, I'm not going to make you go on a diet. Just know that you're going to pay twice as much for health insurance as someone who's in better shape. And if you get tired of paying that rate, get those extra lbs off and next year you'll get the same rate as the healthy guy.

            That's reasonable, isn't it?
            Depends. Some people have truly freakish metabolisms and, no matter how strictly they diet, might only manage to get down to 270 lbs instead of 400. In your words, "it's not their fault."

            If someone's weight problem is ONLY the result of overeating and no exercise, I don't necessarily have a problem with slapping some kind of "surcharge" on their premiums. Even a small one will be an incentive for most of them.

            And I honestly believe habit-based pricing is the best solution to our health care issues.
            It would be a big help; I'll give you that. Whether it's the BEST solution is more questionable.
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            • Profile picture of the author ronrule
              Originally Posted by Hopeless Bromantic View Post

              Depends. Some people have truly freakish metabolisms and, no matter how strictly they diet, might only manage to get down to 270 lbs instead of 400. In your words, "it's not their fault."

              If someone's weight problem is ONLY the result of overeating and no exercise, I don't necessarily have a problem with slapping some kind of "surcharge" on their premiums. Even a small one will be an incentive for most of them.


              It would be a big help; I'll give you that. Whether it's the BEST solution is more questionable.
              I've found there are a lot of excuses behind weight loss. I've made many of them myself. . I don't care how freakishly low your metabolism is, if you eat 800 calories a day and that's it, you will lose weight, period, because simply "existing" burns more calories than that. It's math. How quickly the weight comes off will vary from person to person, but it's going to happen.

              What really happens is people aren't eating what they think they're eating. You think you're being healthy when you order a chicken salad, but then it comes out and it's in a giant bowl and decorated with delicious dressings that drive it up to more calories than a big mac. I remember one of the salads I regularly ordered from Chilis was 1,100 calories.

              I'm sure there are a couple of medical marvels like you would see on the discovery channel, entitled "The Girl Who Never Ate anything, ever, and still weighs 800 lbs" or something equally ridiculous. So yeah, that chick will pay more.

              But it's OK, she can afford it because she doesn't have to buy food.

              Anyway, I get what you're saying, but exemptions like that also become excuses and cause a system that would work perfectly fine for 99% to fall apart. There is no such thing as perfect... but I'll take the system that covers 99% and then we can figure something else out for the 1%, instead of taking on the impossible task of trying to build a system for 100%.
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              • Profile picture of the author ThomM
                Originally Posted by ronrule View Post

                I've found there are a lot of excuses behind weight loss.
                My mother was one who claimed it was her metabolism that prevent her from losing weight.
                After she died I found bags of candy and empty candy bags hidden all over the house.
                The dog that was with her also ended up with Diabetes.
                Bottom line is when you have a problem you have to be honest with yourself, and take responsibility for yourself.
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                • Profile picture of the author MikeAmbrosio
                  Originally Posted by ThomM View Post

                  My mother was one who claimed it was her metabolism that prevent her from losing weight.
                  After she died I found bags of candy and empty candy bags hidden all over the house.
                  The dog that was with her also ended up with Diabetes.
                  Bottom line is when you have a problem you have to be honest with yourself, and take responsibility for yourself.
                  Similar with my mother. Her claim was an under active thyroid (or something like that), but she loved fried, fatty foods, and reading books on her off time. She worked hard as a waitress, but that's not the same as exercising. She had high cholesterol, high blood pressure, was pre diabetic...all results of not taking care of herself.
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              • Originally Posted by ronrule View Post

                Anyway, I get what you're saying, but exemptions like that also become excuses and cause a system that would work perfectly fine for 99% to fall apart. There is no such thing as perfect... but I'll take the system that covers 99% and then we can figure something else out for the 1%, instead of taking on the impossible task of trying to build a system for 100%.
                Fortunately, it's not impossible. Doctors have tests that can tell the difference between an overeater making excuses and someone who's actually telling the truth.
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  • Profile picture of the author rondo
    Obamacare looks expensive from here!
    According to this calculator I'd pay $197 – $262/month for health insurance in California as a single person (90210 is the only zip code I know!).

    But here in Australia it costs half that for good private health insurance.


    Andrew
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    • Profile picture of the author TimPhelan
      Andrew, you have universal healthcare in Australia so I can see why the private insurance would cost less.
      Originally Posted by rondo View Post

      Obamacare looks expensive from here!
      According to this calculator I'd pay $197 - $262/month for health insurance in California as a single person (90210 is the only zip code I know!).

      But here in Australia it costs half that for good private health insurance.


      Andrew
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      • Profile picture of the author rondo
        Originally Posted by TimPhelan View Post

        Andrew, you have universal healthcare in Australia so I can see why the private insurance would cost less.
        I'm glad someone has made the connection!

        Andrew
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        • Originally Posted by rondo View Post

          I'm glad someone has made the connection!

          Andrew
          Perhaps it costs less because it coexists with Australia's state-run single payer system.
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            • Profile picture of the author seasoned
              MAN, EE doesn't seem to have ANY idea what he is talking about! Kaiser is NOT an insurance/hospital! It is an HMO!!!!! For the most part, an HMO wouldn't help ME very much. If I had a problem here, and wanted to fit in their model, I guess I could travel 1000 miles or so. It could take as little as 15 hours, and maybe I could talk them out of the base payment and pay only $75,000 for the ambulance! I believe out of network is a LOT more expensive. The kaiser site seems to be unclear on this

              But HEY, I looked at one site CLAIMING to be kaiser, and figured what the heck. I found a plan that CLAIMS to be like mine, though the deductible is TWICE as much, and it will ONLY cost me 729.50/month! That is $8,754/year! MOST of my life, INCLUDING eyes and teeth, I have paid less than $200/year.(INSURANCE COVERED NOTHING)! MOST of the remainder, I paid about $600. At that time, INSURANCE COVERED NOTHING. The rest of my life, was about $284000. My current deductible is $500. AND, in case you guys are curious, it ISN'T a "shitty plan". It seems like all the doctors and hospitals are IN NETWORK whether they are in kentucky, indiana, california, or washington DC. I picked THOSE areas, because I have actually been in hospitals in all those areas. Kaiser is only in ONE of those areas! My insurance even covered my operation, which was what would be called open heart surgery.

              Had I saved this fee, over my life, I would have about $262620 I figure my out of pocket, on my current insurance, was less than 45000 There were various contractual arrangements and the like that kept the price down, so I likely could have paid less than $200K. If I did it myself. Up to this point, it would have been a real waste if I had the OC insurance. And it seems that many hospitals/doctors are NOT in network with the OC plans.

              Steve
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      • Profile picture of the author whateverpedia
        Originally Posted by TimPhelan View Post

        Andrew, you have universal healthcare in Australia so I can see why the private insurance would cost less.
        Plus the fact that private health insurance in Australia is heavily subsidised by the government. And I do mean heavily subsidised.
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  • Profile picture of the author TLTheLiberator
    There's been a lot of talk about how the feds can't do anything right as a reason to not go with a single payer system or the ACA but...

    Historically, especially since the end of WW2, the U.S. federal government has been quite helpful in enhancing the quality of life for the average American.

    Here's an interesting article for those interested.

    Government is Good - The Forgotten Achievements of Government

    But its been a not to great 30 year run since about 1980.

    The anti-govt crowd is more powerful than ever these days.

    Here's a graph reflecting polling on how Americans feel about the feds over the years...

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    • Profile picture of the author Midnight Oil
      Originally Posted by TLTheLiberator View Post

      There's been a lot of talk about how the feds can't do anything right as a reason to not go with a single payer system or the ACA but...

      Historically, especially since the end of WW2, the U.S. federal government has been quite helpful in enhancing the quality of life for the average American.

      Here's an interesting article for those interested.

      Government is Good - The Forgotten Achievements of Government

      But its been a not to great 30 year run since about 1980.

      The anti-govt crowd is more powerful than ever these days.

      Here's a graph reflecting polling on how Americans feel about the feds over the years...

      This would probably make an interesting thread on its own. Not sure how long it would remain open, however. But dumping it in this specific thread with your "anti-govt crowd" spin comes across more as a lame attempt at propaganda than anything else.

      At first glance, the first big slide came on the heels of Kennedy's assassination and coincides with a strong antiwar movement, among other things.

      All sides can bounce back plenty of reasons, but the biggest thing that comes to my mind is the rapid advancements in television and news coverage, and a dramatic increase in the use of media to shape public opinion.

      You specifically point to 1980. Well, yeah, that's the same year that 24-hour news was born.

      Just far too many things come into play to just lump it all under an "anti-govt crowd" label.

      Nice try, though.
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      • Profile picture of the author TLTheLiberator
        Originally Posted by Midnight Oil View Post

        This would probably make an interesting thread on its own. Not sure how long it would remain open, however. But dumping it in this specific thread with your "anti-govt crowd" spin comes across more as a lame attempt at propaganda than anything else.

        At first glance, the first big slide came on the heels of Kennedy's assassination and coincides with a strong antiwar movement, among other things.

        All sides can bounce back plenty of reasons, but the biggest thing that comes to my mind is the rapid advancements in television and news coverage, and a dramatic increase in the use of media to shape public opinion.

        You specifically point to 1980. Well, yeah, that's the same year that 24-hour news was born.

        Just far too many things come into play to just lump it all under an "anti-govt crowd" label.

        Nice try, though.
        1980 was a very important year in American history IMHO.

        My quote...

        "The anti-govt crowd is more powerful than ever these days."

        It wasn't spin or propaganda, it is fact.

        I said...

        The anti-govt crowd is more powerful than ever these days.

        And it is.

        Well maybe not.

        I guess they were at their zenith when an new occupant of the WH #40, rode a wave of anti-gov sentiment winning the WH while also saying...

        "Government is not the solution, government is the problem."


        Of course there have always been many factions of the anti-gov. crowd.


        1: 2nd Folks:



        These folks are in favor of military action to take back control of the federal gov. They consist mostly of militias and their sympathisers.

        - They'd love to see a military coup take place and may even believe it is possible.

        - This crowd is very likely to believe that the feds have no right to tax anyone for anything.

        - There are over 1200 militias in this country, up from under 400 before 2008.

        - This crowd is being watched by the feds very closely because they do have the potential for violence.


        2: Get the feds out of everything crowd:

        Except the post office, military, foreign affairs, national parks.

        - As far as this crowd is concerned the feds can't do anything right, have never done anything right and can't be trusted to do anything right.

        They believe a combination of misplaced nanny state intentions, ineptitude and corruption is responsible.

        - They want to let the free market and a minimal amount of regulations, if any, do its thing and everything will be better if the feds do not stick their noses into any matter - economic or social.

        Leave everything to the states.

        - The feds have no right to set any standards of any kind for the nation. Leave that to the states.

        - The feds have no right to help direct the course of the nation. Leave that to the states.

        - Many in this crowd also believe the feds have no right to tax anyone for anything.


        I wouldn't be surprised if at least 35% of the adults in this country are in group #2.

        "The anti-govt crowd is quite powerful these days."

        But I almost forgot when they ruled this country for 20 of 28 years before 2008 and 28 of the last 40 years from 1968-2008.

        And now their allies have control of the house of reps and without support there, no admin is going to do much of anything about anything and they believe no admin should do much of anything about anything.

        Leave that to the free market and the states is what they say.


        3: The feds are a necessary evil crowd:

        They can't stand the thought of some powerful entity trying to lead the nation forcing people and entities to do this and/or that but they do understand that some taxes and regulation are necessary.

        But it should be as limited as humanly possible.

        - They're are not interested in the feds doing anything significant such as big projects/programs of any type.

        - Leave everything to the free market and the states is what they believe.


        As one of the founders said...


        ..."If men were angels we wouldn't need government."
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        • Profile picture of the author Midnight Oil
          Originally Posted by TLTheLiberator View Post

          1980 was a very important year in American history IMHO.
          I don't disagree with you. But there are many important years on your 55-year chart. I just pointed out where I see the really big drop in government trust beginning, and a few reasons behind what you see as "a not to great 30 year run" that began in '80.

          Originally Posted by TLTheLiberator View Post

          My quote...

          "The anti-govt crowd is more powerful than ever these days."

          It wasn't spin or propaganda, it is fact.
          As you often say, you're entitled to your own opinions, but not your own facts.

          So where does this fact come from? Your Pew chart?

          You do understand that a wavering trust in government doesn't necessarily equal anti-government, right?

          Originally Posted by TLTheLiberator View Post

          I said...

          The anti-govt crowd is more powerful than ever these days.

          And it is.

          Well maybe not.

          I guess they were at their zenith when an new occupant of the WH #40, rode a wave of anti-gov sentiment winning the WH while also saying...

          "Government is not the solution, government is the problem."
          I'm seriously not trying to be a smart aleck, but which is it? Further up, it was fact. Here, you seem less certain.

          If you see Reagan's election as the high point, then it simply stands to reason that this anti-government crowd isn't more powerful than ever.

          Originally Posted by TLTheLiberator View Post

          Of course there have always been many factions of the anti-gov. crowd.
          I've never denied that there are those who are extreme anti-government. But it's also clear to me that there are those who are extreme pro-government, those who look to government as the be-all and end-all solution to everything.

          Do you also see extreme pro-government groups? I'd like to see your breakdown of those, as well.

          Personally, I appreciate those who tenaciously question and challenge the government and its actions, regardless of political leanings. I would much rather have them doing that than have those preaching the gospel of government-as-savior like some traveling tent evangelist.

          As I mentioned, 24 hour news was born in 1980. There have been rapid advancements in television and news coverage, and a dramatic increase in the use of media to shape public opinion. The internet brought about an explosion of online news and opinion. Government scandals, abuse and conspiracy have been increasingly depicted in movies, television series, fiction and non-fiction books, and even comic strips and comic books. And so, so much more.

          Perhaps much of what you see as anti-government is more accurately people becoming increasingly aware that these politicians don't necessarily have our best interests at heart . . . questioning government, and attempting to keep it in check and hold it accountable. They do, after all, supposedly work for us.

          Your focus on the growth of this anti-government crowd was 1980. I knew what you were getting at even before your follow up about Reagan. Yet you conveniently ignore anything else.

          Your breakdown of factions does absolutely nothing to support your argument. It's simply a list of groups you don't like.

          So, yes, I still see it as a lame attempt at propaganda.
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          • Profile picture of the author TLTheLiberator
            Originally Posted by Midnight Oil View Post

            I don't disagree with you. But there are many important years on your 55-year chart. I just pointed out where I see the really big drop in government trust beginning, and a few reasons behind what you see as "a not to great 30 year run" that began in '80.


            As you often say, you're entitled to your own opinions, but not your own facts.

            So where does this fact come from? Your Pew chart?

            You do understand that a wavering trust in government doesn't necessarily equal anti-government, right?


            I'm seriously not trying to be a smart aleck, but which is it? Further up, it was fact. Here, you seem less certain.

            If you see Reagan's election as the high point, then it simply stands to reason that this anti-government crowd isn't more powerful than ever.


            I've never denied that there are those who are extreme anti-government. But it's also clear to me that there are those who are extreme pro-government, those who look to government as the be-all and end-all solution to everything.

            Do you also see extreme pro-government groups? I'd like to see your breakdown of those, as well.

            Personally, I appreciate those who tenaciously question and challenge the government and its actions, regardless of political leanings. I would much rather have them doing that than have those preaching the gospel of government-as-savior like some traveling tent evangelist.

            As I mentioned, 24 hour news was born in 1980. There have been rapid advancements in television and news coverage, and a dramatic increase in the use of media to shape public opinion. The internet brought about an explosion of online news and opinion. Government scandals, abuse and conspiracy have been increasingly depicted in movies, television series, fiction and non-fiction books, and even comic strips and comic books. And so, so much more.

            Perhaps much of what you see as anti-government is more accurately people becoming increasingly aware that these politicians don't necessarily have our best interests at heart . . . questioning government, and attempting to keep it in check and hold it accountable. They do, after all, supposedly work for us.

            Your focus on the growth of this anti-government crowd was 1980. I knew what you were getting at even before your follow up about Reagan. Yet you conveniently ignore anything else.

            Your breakdown of factions does absolutely nothing to support your argument. It's simply a list of groups you don't like.

            So, yes, I still see it as a lame attempt at propaganda.
            You said...

            Do you also see extreme pro-government groups? I'd like to see your breakdown of those, as well.


            I say...

            Since you attempted to to describe one of the pro-gov factions - why not you?
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            • Profile picture of the author lanfear63
              I see this thread is straying off the path into other topics now.

              It is clear from some of the posts though that the mindset is not in place in the US.. too much debate about modifying what you have now and how much it will cost , it works in other countries, could never work here.

              look at it this way. Do I ever see such a detailed debate about the cost of building roads or the infastructure of energy distribution? How much that costs, who does it, if the government out-source's it to private contractors or not etc. No!

              And why not, because its essential to have. You all realize that.

              But a country is run by it's people. In order to get the above done, they need to be in a reasonable state of health. So, it's equally essential. So something (not charitable) should be in place so all can have it and afford it.

              You dont see pharm industries vanish in other countries that have National health Systems just because they cant charge a 3000 percent markup on their stuff just because a government says that they have to charge a less inflated amount. nope, they still make a tidy sum. What millions could not afford the products will now be able too. They will still make a good money and its on-going. Their advertising budget costs would be slashed to nothing overnight. The only ads we get on UK tv is for aspirin.

              It's like what Bill Gates said, he would rather have millions of people paying a dollar each to use his software over time than be paid a lump sum.

              So having leveled that playing field you could sit down and do the figures, how much, based on what we have in place should we offer the people of this land in terms how much extra they should pay in taxes to get universal health care. Having done that, put it out their, here's what it will cost, lets have a referendum if you like. Spread over the whole population it will push the price down, no tiers, no have and have nots. same for all but based percentage wise on their earnings. For this extra you say, you never have to worry about your health care again.

              It does not matter if the hospitals are private, they can still do private insurance if they like but you use the infastructure you already have.

              Doctors and nurses do years of training and should be paid accordingly, you dont take all that away, pay them a salary that reflects that. In the UK doctors are free to do both private and public medicine and they make a good salary.

              Step back from the greed and bickering and you will have something to be proud of, the envy of the world.
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              • Profile picture of the author ThomM
                look at it this way. Do I ever see such a detailed debate about the cost of building roads or the infastructure of energy distribution? How much that costs, who does it, if the government out-source's it to private contractors or not etc. No!
                They have come up before. The difference is the ACA is the current big news, the others aren't.
                By the way when you look at our infrastructure and how it's doing, it doesn't fare very well. 2013 Report Card for America's Infrastructure
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            • Profile picture of the author Midnight Oil
              Originally Posted by TLTheLiberator View Post

              You said...

              Do you also see extreme pro-government groups? I'd like to see your breakdown of those, as well.


              I say...

              Since you attempted to to describe one of the pro-gov factions - why not you?
              Sorry, but I'm not the guy with detailed listings of who fits in very specific categories. Not my forte. Not something I find pleasure in doing.

              But you obviously do enjoy it as this isn't the first time you've posted lists here of people and what you think they think and believe. And surely you've been just as thorough categorizing the pro-government crowd as you have with the anti-government crowd.

              So, please, go ahead. Teach me something about pro-government groups and how you categorize them.
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              • Profile picture of the author TLTheLiberator
                Originally Posted by Midnight Oil View Post

                Sorry, but I'm not the guy with detailed listings of who fits in very specific categories. Not my forte. Not something I find pleasure in doing.

                But you obviously do enjoy it as this isn't the first time you've posted lists here of people and what you think they think and believe. And surely you've been just as thorough categorizing the pro-government crowd as you have with the anti-government crowd.

                So, please, go ahead. Teach me something about pro-government groups and how you categorize them.
                IYHO, was I off the mark in describing some of the factions of the anti-gov crowd?

                I think I just about covered them all but If there's another faction I left out please fill me in.

                By anti-gov, I mean folks that are not interested in using the federal government to help solve our problems as a nation.

                I think it'll be much more fun if you, Kay, ThomM, Steve Johnson, Seasoned, GaryV or even MikeA would describe the pro-govt crowd.

                Thanks!

                TL
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                • Profile picture of the author Midnight Oil
                  Originally Posted by TLTheLiberator View Post

                  I think it'll be much more fun if you, Kay, ThomM, Steve Johnson, Seasoned, GaryV or even MikeA would describe the pro-govt crowd.
                  I'm sure it would provide you with a great deal of entertainment. I, on the other hand, was actually hoping you would step up to a teaching moment.

                  But you simply can't allow yourself to cast the same critical eye on the pro-government crowd.

                  So far I've offered up multiple reasons for this "not to great 30 year run since about 1980." You've offered nothing beyond your "anti-govt crowd" talking points.

                  But I understand. It was never about exploring reasons behind a deteriorating trust in government. It was about you trotting out your boogeyman.

                  Which takes us back to my initial assessment: lame attempt at propaganda.

                  Have a great day.
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                  • Profile picture of the author MikeAmbrosio
                    Originally Posted by Midnight Oil View Post

                    I'm sure it would provide you with a great deal of entertainment. I, on the other hand, was actually hoping you would step up to a teaching moment.

                    But you simply can't allow yourself to cast the same critical eye on the pro-government crowd.

                    So far I've offered up multiple reasons for this "not to great 30 year run since about 1980." You've offered nothing beyond your "anti-govt crowd" talking points.

                    But I understand. It was never about exploring reasons behind a deteriorating trust in government. It was about you trotting out your boogeyman.

                    Which takes us back to my initial assessment: lame attempt at propaganda.

                    Have a great day.
                    I'm pro government. I think this country (or any one) needs government.

                    What I am anti is an overly bloated government (like we have) who spend wrecklessly (like ours does), promotes division among classes (like ours does), who wants to take over every aspect of its citizens lives (like the current form does) while filling the heads of everyone that it's for our own good (har har).

                    For me, the "pro government" crowd wants all these things. They seem to believe the government has all the answers for what we need, buys into the crap the government spews about how evil big corp or rich people are, as if it's ALL their fault that the poor are poor (another har har), that the government can do a better job of running everyone's lives and that if anyone disagrees with the government then they MUST be anti-American, or racists (which we've heard a lot over the pat 6 years) or selfish...insert your adjective here.

                    Government needs limitations. That's what the constitution is for. Governments are not omnipotent - they're humans, full of the same flaws as the rest of us.

                    As for TL, I don't suspect he has the ability to be self-critical or even party critical. At least not from the years of reading his thoughts laid out right here. As far as he's concerned, ole B.O. walks on water. Anything wrong these days is STILL the fault of G.B. (just ask him).

                    So don't expect a "teaching moment".

                    It's ok. I know people in the other party who are the same way.
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                    • Profile picture of the author TLTheLiberator
                      Originally Posted by MikeAmbrosio View Post

                      I'm pro government. I think this country (or any one) needs government.

                      What I am anti is an overly bloated government (like we have) who spend wrecklessly (like ours does), promotes division among classes (like ours does), who wants to take over every aspect of its citizens lives (like the current form does) while filling the heads of everyone that it's for our own good (har har).

                      For me, the "pro government" crowd wants all these things. They seem to believe the government has all the answers for what we need, buys into the crap the government spews about how evil big corp or rich people are, as if it's ALL their fault that the poor are poor (another har har), that the government can do a better job of running everyone's lives and that if anyone disagrees with the government then they MUST be anti-American, or racists (which we've heard a lot over the pat 6 years) or selfish...insert your adjective here.

                      Government needs limitations. That's what the constitution is for. Governments are not omnipotent - they're humans, full of the same flaws as the rest of us.

                      As for TL, I don't suspect he has the ability to be self-critical or even party critical. At least not from the years of reading his thoughts laid out right here. As far as he's concerned, ole B.O. walks on water. Anything wrong these days is STILL the fault of G.B. (just ask him).

                      So don't expect a "teaching moment".

                      It's ok. I know people in the other party who are the same way.
                      From everything I've heard from you over the years, I think you're a #2 type of anti-gov person.

                      Isn't this you?

                      2: Get the feds out of everything crowd:

                      Except the post office, military, foreign affairs, national parks.

                      - As far as this crowd is concerned the feds can't do anything right, have never done anything right and can't be trusted to do anything right.

                      - They believe a combination of misplaced nanny state intentions, ineptitude and corruption is responsible.

                      - They want to let the free market and a minimal amount of regulations - if any, do its thing and everything will be better if the feds do not stick their noses into any matter - economic or social.

                      Leave everything to the states.

                      - The feds have no right to set any standards of any kind for the nation. Leave that to the states.

                      - The feds have no right to help direct the course of the nation. Leave that to the states.


                      This one probably doesn't apply to you.

                      - Many in this crowd also believe the feds have no right to tax anyone for anything.

                      Please correct me if I'm wrong about you and the above.

                      Mike, if you adhere to the above, you're not pro-govt no matter how you choose to define your opposition.
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                      • Profile picture of the author seasoned
                        FIRST, YEAH, I KNOW you asked Mike. STILL.....

                        Originally Posted by TLTheLiberator View Post

                        From everything I've heard from you over the years, I think you're as #2 type of anti-gov person.

                        Isn't this you?

                        2: Get the feds out of everything crowd:

                        Except the post office, military, foreign affairs, national parks.
                        I'M not even that negative!

                        - As far as this crowd is concerned the feds can't do anything right, have never done anything right and can't be trusted to do anything right.
                        YEP, but some things they HAVE to do. STILL, to have a paragovernment agency distort things in the government for its own design is MORONIC! Let's get unions OUT of the government!

                        - They believe a combination of misplaced nanny state intentions, ineptitude and corruption is responsible.
                        OK, TELL THE TRUTH! YOU think this ALSO! Weren't YOU railing against lobbyists? Like I said, they should follow Section #8! SIMPLE!

                        - They want to let the free market and a minimal amount of regulations - if any, do its thing and everything will be better if the feds do not stick their noses into any matter - economic or social.
                        With few exceptions, RIGHT! I spoke with one business owner here and she said she doesn't have to worry because she has less than 50 employees. She DOES want to open more franchises though. I figure 2 more, and she will likely be affected. WHY uproot her WHOLE business for ONE employee?

                        If the rules were FAIR and reasonable, things would be better.

                        Leave everything to the states.
                        To SOME degree. Section 8 basically says that the government is to handle the infrastructure of states(The postal service is considered infrastructure, and section #8 EVEN calls for postal roads), and relationships between them. It ALSO is an arbiter of last resort.

                        - The feds have no right to set any standards of any kind for the nation. Leave that to the states.

                        - The feds have no right to help direct the course of the nation. Leave that to the states.
                        Look at last answer, Section #8 covers it.

                        - Many in this crowd also believe the feds have no right to tax anyone for anything.
                        I have actually been PRO import/export duty. I have been for DECADES! As I said here, I was AGAINST NAFTA and GATT and special nation for china.

                        To a degree I am for a few taxes. But let's make them fair, good for the economy, and stable. The first widely published action that got this nation started was a TAX REVOLT!!!!! Boston Tea Party - Wikipedia, the free encyclopedia

                        Steve
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  • Profile picture of the author seasoned
    OK, the other one promised a show. Here is THAT:

    https://www.youtube.com/watch?v=kf3MtjMBWx4

    Steve
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  • Profile picture of the author ronrule
    Why would anyone think health care pricing should be based on income?

    If you make twice as me, should you pay twice as much for the same groceries at the store? Should you pay twice as much for the same car?

    That's retarded.
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    • Profile picture of the author seasoned
      Originally Posted by ronrule View Post

      Why would anyone think health care pricing should be based on income?

      If you make twice as me, should you pay twice as much for the same groceries at the store? Should you pay twice as much for the same car?

      That's retarded.
      Ron,

      Since it is all going this way ANYWAY, I might as well show you a cute cartoon that illustrates 1/2 the problem. This only talks about INITIAL costs, not how other costs will be added, and not the embezzlement and fraud that happens, or the tricks they play(like higher deductibles). As I said a while back, a car for $5000 is NOT necessarily even cheap. If it is a semi used rolls royce, it is INCREDIBLY inexpensive, and a good buy. If it is a brand new YUGO with all the bells and whistles, it is INCREDIBLY expensive, and a PIECE OF JUNK! SO, like a car is not a car, insurance is not insurance. you HAVE to look at the details. HECK, they have ALWAYS had "inexpensive" insurance. Few have bought it, because they are unlikely to need that level of care.

      https://www.youtube.com/watch?v=VEWTPmMwgck

      Steve
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    • Profile picture of the author ThomM
      Originally Posted by ronrule View Post

      Why would anyone think health care pricing should be based on income?

      If you make twice as me, should you pay twice as much for the same groceries at the store? Should you pay twice as much for the same car?

      That's retarded.
      Yet it has worked here in NY.
      It's not perfect, but it was a way to make insurance affordable for those that needed it. It's not mandatory.
      No one here has suffered higher taxes because of it and it keeps the welfare numbers down as people don't have to go on welfare to get Medicaid.
      In other words it has worked without putting stress on the system or the people.
      If you think that is retarded, then I don't know what to tell you.
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      • Profile picture of the author seasoned
        Originally Posted by ThomM View Post

        Yet it has worked here in NY.
        It's not perfect, but it was a way to make insurance affordable for those that needed it. It's not mandatory.
        No one here has suffered higher taxes because of it and it keeps the welfare numbers down as people don't have to go on welfare to get Medicaid.
        In other words it has worked without putting stress on the system or the people.
        If you think that is retarded, then I don't know what to tell you.
        SORRY, the ADMIN doesn't know the real stats now. They ADMITTED it to CONGRESS! And even if they DID, it is NOT viable. Tell you what! Get in a time machine and goto 2026! If the waivers have been off for 10 years or more, AND they have audited like they said, AND deaths haven't SKYROCKETED, AND the providers have provided service for 10+ years and are solvent, AND the living standard hasn't collapsed, AND the average american is happy with it all, bring us back PROOF. *****THEN***** maybe we can listen to your facts. Pat Miller, who has been in the insuarance industry a while, and still is, has Ann Coulter on now. Ann Coulter - Wikipedia, the free encyclopedia SHE just lost her insurance, and is LIVID. She says she has to pay twice as much for like half the benefits. I assume that means the deductible is twice what the old policy was.

        BTW PAT MILLER said the same thing I said YEARS ago. The idea is to bankrupt the insurance companies and force all into a single payer system.

        Steve
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        • Profile picture of the author ThomM
          Originally Posted by seasoned View Post

          SORRY, the ADMIN doesn't know the real stats now. They ADMITTED it to CONGRESS! And even if they DID, it is NOT viable. Tell you what! Get in a time machine and goto 2026! If the waivers have been off for 10 years or more, AND they have audited like they said, AND deaths haven't SKYROCKETED, AND the providers have provided service for 10+ years and are solvent, AND the living standard hasn't collapsed, AND the average american is happy with it all, bring us back PROOF. *****THEN***** maybe we can listen to your facts. Pat Miller, who has been in the insuarance industry a while, and still is, has Ann Coulter on now. Ann Coulter - Wikipedia, the free encyclopedia SHE just lost her insurance, and is LIVID. She says she has to pay twice as much for like half the benefits. I assume that means the deductible is twice what the old policy was.

          BTW PAT MILLER said the same thing I said YEARS ago. The idea is to bankrupt the insurance companies and force all into a single payer system.

          Steve
          Steve the programs I'm talking about that we had here in N.Y. have nothing to do with the A.C.A except to show that there are better ways out there to provide health insurance if the government insists on being involved.
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    • Profile picture of the author MikeTucker
      Originally Posted by ronrule View Post

      Why would anyone think health care pricing should be based on income?

      If you make twice as me, should you pay twice as much for the same groceries at the store? Should you pay twice as much for the same car?
      A percentage perhaps, or on a scale.
      It could work.

      Still, I think the idea of basing healthcare pricing on lifestyle
      choices is superior. That might actually be the best idea I've
      come across up to this point.

      Not perfect-- what is?-- but pretty fantastic anyway,
      because it is relatively fair in most situations and actually
      encourages people to live healthier-- reducing total costs.
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  • Profile picture of the author seasoned
    Midnight oil,

    The BIGGEST problem that has happened since like 1976 is that the government has been cheating and lying to the public a LOT since then. It was likely longer, in fact some would say it happened a bit over a decade earlier but some of THEM just went into government and made things WORSE!

    Anyway, people ARE really getting fed up.

    But do they want war with the US? *****NO WAY*****! MOST of the people in the tea party likely have guns, but they DON'T want their own "party", and they DON'T want war! They want the republicans to do what they should do, and fall in line. HOW are they doing that? Talk, debate, and organization. The only threats are that those that betray them might not be reelected, etc... NO guns, shots, or brawls.

    #1 is just what TL wants people to believe. I have never even AIMED a gun at anyone! NEVER! To hear TL talk, you would think I take it out and threaten people, and shoot it in the air every chance I get.

    As for #2? HERE is a thought! How about we have the US follow Section 8 in the US constitution!!!!!! AGAIN, TL is WRONG! #8 enumerates what congress can do, and CONGRESS dictates what everyone ELSE can do! The EXECUTIVE branch(Primarily the president) is to be simply an AMBASSADOR, GOOD WILL, PASS COMMANDS to the military, suggest to congress, take immediate action for things like wars, vote on a 50/50 vote in the senate, approve what congress does. The JUDICIAL branch is just as a last resort in the courts, and to judge improper action, ACCORDING TO US LAW. CONGRESS is supposed to follow the actions in Section 8!

    At THIS point, you have congress doing a TON more, and the president doing what only CONGRESS is supposed to do, and the judicial branch has several saying they judge based on FOREIGN law. GIVE ME A BREAK! Did YOU know that they GAVE clinton a line item veto!!?!? He could basically REWRITE congresses laws! That IS illegal(The LAW gives the president ONLY a yes/no vote on the bill ), but congress said it was OK. It was quickly rescinded:
    Line Item Veto Act of 1996 - Wikipedia, the free encyclopedia

    #3 gets CLOSER to reality, but STILL strays. As I said, just follow #8. People would start trusting the government more, the deficit would drop, the economy would improve, And all this would clear up. So WHY doesn't TL mention that? SIMPLE! He would be one of millions that WOULDN'T be happy. Long term, they would be happier, but they can't see that.

    Steve
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  • Profile picture of the author seasoned
    Good idea TL! The following may make some angry, but it does strike home pretty well.

    1. They'd love to see a military coup take place to silence those against the government. It wouldn't be the first time. They did it during the civil war, but lost.

    2. They believe that the federal government can, and SHOULD tax all the "haves" to poverty, except them of course, and do it on the pretense that it will help the "have nots".
    "haves" are people, not in their group, that work more than 28hours a week, and make minimum wage or better. They claim it is millionares and the like and said that was $400K, $250K, "around $150K", etc... But it is really FAR lower.
    "have nots" are people, ESPECIALLY in their group, that have less than they feel they would like, even if they never plan to work.

    3. This crowd is favored by the federal government, and given lots of handouts. Handouts include free cable, free computers, free phones, birth control, etc....

    4. No matter the party in the admin, the people I am describing can freely spread their agenda from the pulpit. The other, though biblical, can't speak from the pulpit. If they are caught doing so, their tax exempt status will be pulled.
    Recently, ALL new applications for tax exempt status that seemed to go against them were PULLED! There are cases pending in court and congress on that now.

    5. They fully support a bill they constantly try to pass that will prevent any media from saying anything against them unless their propaganda is freely spread as well. Ironically, they generally call this F.A.I.R!

    6. They believe only THEY, and the government, should have guns. Barbara Boxer, for example, campaigns against the others owning guns while she got one and constantly has armed guards. The cheif of police, in LA county, once got rid of all concealed carry permits, but gave himself one.

    7. They think their government is so perfect that if a member of a protected class is in a position and any person ever speaks against the government, that person is RACIST! At least 1 president stated that FLAT OUT! Never mind that some speaking against this admin ARE black!

    8. They feel the government should own all businesses, but theirs, and give them all things.

    9. They feel that the government MUST push a given agenda, and anything against it should be silenced.

    Steve
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    • Profile picture of the author TLTheLiberator
      Originally Posted by seasoned View Post

      Good idea TL! The following may make some angry, but it does strike home pretty well.

      1. They'd love to see a military coup take place to silence those against the government. It wouldn't be the first time. They did it during the civil war, but lost.

      2. They believe that the federal government can, and SHOULD tax all the "haves" to poverty, except them of course, and do it on the pretense that it will help the "have nots".
      "haves" are people, not in their group, that work more than 28hours a week, and make minimum wage or better. They claim it is millionares and the like and said that was $400K, $250K, "around $150K", etc... But it is really FAR lower.
      "have nots" are people, ESPECIALLY in their group, that have less than they feel they would like, even if they never plan to work.

      3. This crowd is favored by the federal government, and given lots of handouts. Handouts include free cable, free computers, free phones, birth control, etc....

      4. No matter the party in the admin, the people I am describing can freely spread their agenda from the pulpit. The other, though biblical, can't speak from the pulpit. If they are caught doing so, their tax exempt status will be pulled.
      Recently, ALL new applications for tax exempt status that seemed to go against them were PULLED! There are cases pending in court and congress on that now.

      5. They fully support a bill they constantly try to pass that will prevent any media from saying anything against them unless their propaganda is freely spread as well. Ironically, they generally call this F.A.I.R!

      6. They believe only THEY, and the government, should have guns. Barbara Boxer, for example, campaigns against the others owning guns while she got one and constantly has armed guards. The cheif of police, in LA county, once got rid of all concealed carry permits, but gave himself one.

      7. They think their government is so perfect that if a member of a protected class is in a position and any person ever speaks against the government, that person is RACIST! At least 1 president stated that FLAT OUT! Never mind that some speaking against this admin ARE black!

      8. They feel the government should own all businesses, but theirs, and give them all things.

      9. They feel that the government MUST push a given agenda, and anything against it should be silenced.

      Steve
      That sounds like the most extreme faction of the pro-govt crowd.

      IYHO, are there any other factions of the pro-govt. crowd or is that it?


      Thanks!

      TL
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      • Profile picture of the author seasoned
        Originally Posted by TLTheLiberator View Post

        That sounds like the most extreme faction of the pro-govt crowd.

        IYHO, are there any other factions of the pro-govt. crowd or is that it?


        Thanks!

        TL
        TL,

        That is the faction you and many others are a part of. SOME go along but are mislead. Like I said, the "haves" are often called millionaires and billionaires. It isn't until you listen to the actual ideas that you find they are talking about far less.

        HECK, a subchapter S corporation allows you to declare income on your personal return:

        S Corporations

        S corporations are corporations that elect to pass corporate income, losses, deductions, and credits through to their shareholders for federal tax purposes. Shareholders of S corporations report the flow-through of income and losses on their personal tax returns and are assessed tax at their individual income tax rates. This allows S corporations to avoid double taxation on the corporate income. S corporations are responsible for tax on certain built-in gains and passive income at the entity level.
        ALSO, there IS a sole proprietorship.

        That means your savings, and the FUTURE buying power of the company is in a PERSONS hands.

        Does a million dollars sound like a lot of money? YEP! What if it is their life savings and they need it to pay for new offices? Taxing it may even KILL JOBS! But the government RARELY considers such things.

        Things like that facilitate class warfare that many governments are promoting now. The SAME warfare that started WWII!!!!!!

        Steve
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    • Profile picture of the author Kay King
      We do have serious inequalities in this country - and one of the most glaring is the lifestyle of elected officials and that of the people who pay for that lifestyle.

      Pro govt folks don't seem to have a problem with the excessive spending or the doubling of the national debt. They have justifications for everything that is done - but the numbers don't lie.

      5 Facts You May Not Know About How Much Obama’s Travel Costs You
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      • Profile picture of the author seasoned
        Originally Posted by Kay King View Post

        We do have serious inequalities in this country - and one of the most glaring is the lifestyle of elected officials and that of the people who pay for that lifestyle.

        Pro govt folks don't seem to have a problem with the excessive spending or the doubling of the national debt. They have justifications for everything that is done - but the numbers don't lie.

        5 Facts You May Not Know About How Much Obama's Travel Costs You
        They failed to mention that it is about a 14hour flight(approximate AIRTIME) to most places in europe that they have been to! ALSO, there is a NATIONAL LAW, and it may be INTERNATIONAL to a degree that NO air vehicle can take any action within I believe it is 2 miles while X1(and likely X2) are unsheltered.

        I say X1/X2 because X1 is the vehicle the president is on, and I believe X2 is the one the VICE president is on. MOST claim X is "AIR FORCE"(so Air Force 1), but it has been MARINE 1 also, and is named after the service.

        Does anyone remember HAIRFORCE one?

        Haircut Grounded Clinton While the Price Took Off - NYTimes.com

        IMAGINE how much that haircut REALLY cost! The $200 was blown up out of proportion. Though it IS MANY times what the average person pays, it is like a person paying 3 million for a shack, and getting yelled at for spending 15 cents on a spare washer for a faucet!

        Airforce one has costs nobody could ever calculate. THAT ITSELF should be enough to limit its use.

        Steve
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      • Profile picture of the author TLTheLiberator
        Originally Posted by Kay King View Post

        We do have serious inequalities in this country - and one of the most glaring is the lifestyle of elected officials and that of the people who pay for that lifestyle.

        Pro govt folks don't seem to have a problem with the excessive spending or the doubling of the national debt. They have justifications for everything that is done - but the numbers don't lie.

        5 Facts You May Not Know About How Much Obama’s Travel Costs You
        Are you saying the president should travel coach and with a minimum of security?

        The numbers may not lie but the understanding of the numbers etc., by some folks - leaves a lot to be desired.

        As far as the national debt is concerned some people should try to understand the situation #44 inherited and his choice to not throw the people of the country under the bus - with fiscally counter productive cuts in order to make the federal balance sheet look a little better.

        Given the fiscal situation he inherited, such as walking into a 1.4 trillion dollar deficit in 2009, that national debt was going to grow like it did unless he followed the advice of you and your friends and further cripple our ability to bounce back from the great recession.

        In 2009 the national debt stood at 10.6 Billion and its not at 20 billion so it has not doubled yet.

        We had a balanced budget back in 1999 and 2000. What happened between 2000 and 2009?

        Forbes doesn't think #44 such a big spender. (note, lots of people get actual spending by an admin mixed up with the growth of the national debt)

        Who Is The Smallest Government Spender Since Eisenhower? Would You Believe It's Barack Obama?

        http://www.forbes.com/sites/rickunga...-barack-obama/

        Guess what?

        When an admin leaves a country in the shape that #44 inherited, that previous admin will go down in U.S. history as one of the worst in history and there's no way around that.

        Its a shame many folks have no historical perspective and also do not understand how the American economic system works.

        BTW...

        Its generally not a good thing to oppose a admin who has inherited such an historic mess because all you're really doing is slowing down the economic recovery with your opposition.

        Imagine the folks who fought FDR tooth and nail. In the midst of the great depression - What the hell did they think were they doing?

        Fortunately FDR had big majorities in congress because a big majority of the American people of those days were savvy enough to understand that the party and philosophy that got us into a mess like that - couldn't possibly have made things better or gotten us out of the mess.

        And they were punished at the polls.

        I going to dare and say you and your friends are on the wrong side of American history - again.

        There, I said it.

        I going to dare and say you and your friends are on the wrong side of American history - again.

        I said it again.

        For example...

        If these were the days of the Revolution, you and your friends would be tories - that is those opposed to and working to prevent the breaking away from England.

        - During the war of 1812, you and your friends would have been acting like a fifth column operating against the young American nation.

        - You and your friends are so out of step with American history that,...

        ...during the civil war you folks would have fought on the side of the south - even though you were born and raised in the north.


        - After WW2 you and your like minded friends would have opposed the GI bill and all the other programs and attitudes that propelled the people of the U.S. into the first middle class and most prosperous nation in history.

        - You folks would have been against the 2009 stimulus that prevented the country from falling off an already steep economic cliff into another great depression


        No one's saying you and your friends aren't sincere - just way out of step with American history while offering a economic philosophy that couldn't possibly get us out of this mess - to boot.

        But I'll also say this...


        ... Most of the leaders of your movement (like the Koch Brothers) know exactly what they're doing and they have at least two major goals for the nation in mind.

        #1: Neuter the feds so that no one can ever stop their raping and pillaging of the economy and the American people.

        #2: Keep the present day U.S. tax structure in place.


        As the article you linked to said...

        Clinton set the record, then Bush set it and now Obama sets a new record.

        Once again I say...

        The numbers may not lie but the understanding of the numbers etc., by some folks - leaves a lot to be desired.
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        • Profile picture of the author seasoned
          Originally Posted by TLTheLiberator View Post

          Are you saying the president should travel coach and with a minimum of security?
          During WWI, we had a lot of similar problems! Problems with resources, the economy, etc....

          What did they do? It has been alluded to in even CARTOONS DECADES LATER! They RATIONED! They CUT BACK on trips! They made SHORTER TRIPS! The president is SUPPOSED to be an EXAMPLE!

          As far as the national debt is concerned some people should try to understand the situation #44 inherited and his choice to not throw the people of the country under the bus - with fiscally counter productive cuts in order to make the federal balance sheet look a little better.
          He even went out of his way to make a last vote(though he often only voted present), to make #43 look WORSE! CONGRESS was the one that increased expenses and all. #44 actually had MORE to do with #43s deficit than #43 did, and #43s TOTAL deficit was FAR less than #44s now. Amazing how you STILL blame #43 though! BTW #44 had a congress that obeyed him in every respect until recently and NOW anything he doesn't like won't get past the senate, if it is even HEARD there.

          Given the fiscal situation he inherited, such as walking into a 1.4 trillion dollar deficit in 2009, that national debt was going to grow like it did unless he followed the advice of you and your friends and further cripple our ability to bounce back from the great recession.
          Well, it is over TWELVE times that now!

          When an admin leaves a country in the shape that #44 inherited, that previous admin will go down in U.S. history as one of the worst in history and there's no way around that.
          Doubtful. If so, it would be propaganda.

          Its a shame many folks have no historical perspective and also do not understand how the American economic system works.
          YEP!

          Fortunately FDR had big majorities in congress because the American people of those days were savvy enough to understand that the party and philosophy that got us into a mess like that - couldn't possibly have made things better or gotten us out of the mess.
          Well, Hoover tried a lot of things that Obama said HE would, but apparently hoover SUCCEEDED. Wikipedia even says he laid the groundwork for FDR. And FDR had to deal with a war. So I don't know if you can give that much credit to FDR, specially since things like SS are in a SHAMBLES!

          Clinton set the record, then Bush set it and now Obama sets a new record.

          Once again I say...

          The numbers may not lie but the understanding of the numbers etc., by some folks - leaves a lot to be desired.
          It spoke about number of trips. SO WHAT? Let's talk distance, cost, economy, and return.

          I bet obama flew farther, at a higher cost, with a worse economy, and ended up with a NEGATIVE return!

          Steve
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          • Profile picture of the author Kay King
            TL -

            There is no way you justify a 900 person contingent to visit another country...or a non-official trip where the first lady, first daughters and first mother-in-law spend $8300/night for a hotel room - where staff is complaining about the rudeness of the mother-in-law...or a jaunt to Ireland to stay in a $3300/night room for a couple days.

            Of course I don't expect a leader to travel in economy class and I expect the first family to have luxurious accommodations. I don't object to family vacations as I'm sure the President needs a break now and then and it's a perk of the job.

            Is there any other country where the wife and children (and extended family and friends) of an elected official spend hundreds of millions of public dollars on private vacations? The level of spending is ostentatious and reeks of privileged class. It's at odds with the reality of a country deeply in debt and struggling to recover from harsh economic problems.


            The numbers may not lie but the understanding of the numbers ...leaves a lot to be desired
            That's true when your only goal is to justify the excessive spending.
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            • Profile picture of the author TLTheLiberator
              Originally Posted by Kay King View Post

              TL -

              There is no way you justify a 900 person contingent to visit another country...or a non-official trip where the first lady, first daughters and first mother-in-law spend $8300/night for a hotel room - where staff is complaining about the rudeness of the mother-in-law...or a jaunt to Ireland to stay in a $3300/night room for a couple days.

              Of course I don't expect a leader to travel in economy class and I expect the first family to have luxurious accommodations. I don't object to family vacations as I'm sure the President needs a break now and then and it's a perk of the job.

              Is there any other country where the wife and children (and extended family and friends) of an elected official spend hundreds of millions of public dollars on private vacations? The level of spending is ostentatious and reeks of privileged class. It's at odds with the reality of a country deeply in debt and struggling to recover from harsh economic problems.




              That's true when your only goal is to justify the excessive spending.
              And you goal is to attempt to reem #44 again and again - any and every way you can.



              This is just off the top of my head...

              - The FLOTUS took a trip overseas back in 2009 or 2010 and you didn't like that because she wasn't spending money here.

              - He was a warmonger in the Syrian situation.

              - But then you tried to say he was looked weak in the Ukraine situation.

              - You consistently swallowed every phony cooked up anti- #44 scandal that your friends generated.

              - You even want to drag the FLOTUS mother into it.

              Its OK Kay.

              You've chosen the role you want to play in American history.
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  • Profile picture of the author MikeAmbrosio
    As far as the national debt is concerned some people should try to understand the situation #44 inherited and his choice to not throw the people of the country under the bus - with fiscally counter productive cuts in order to make the federal balance sheet look a little better.
    I rest my case. I told you

    It's been 6 years. He's had time and he made things worse (by many accounts).

    He's NOT the first president to "inherit" a mess. Many point to Reagan inheriting Carters mess. And so on...
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    • Profile picture of the author ThomM
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    • Profile picture of the author TLTheLiberator
      Originally Posted by MikeAmbrosio View Post

      I rest my case. I told you

      It's been 6 years. He's had time and he made things worse (by many accounts).

      He's NOT the first president to "inherit" a mess. Many point to Reagan inheriting Carters mess. And so on...

      Here's a teaching moment for you.


      Historically only two presidents have inherited a mess anything like the one #44 inherited.

      Its a fact - get over it.

      Yes, in the modern era, we've had plenty of small recessions but nothing like the great depression and the great recession in modern American history.


      He didn't make matters worse when it comes to...

      - Jobs created:

      We were losing 700K whopping jobs per month when he was inaugurated and now we generate 150k per month on average.

      Not great numbers but a very big improvement for people who understand numerical values.

      - Yearly GDP is clearly up from where it was when he took office.

      - The stock market is way up from when he took office. (maybe doubled)

      - Exports have nearly doubled.

      - Alternate energy is being produced at an all time high.

      - The yearly deficit was 1.4 trill in 2009 - it was 640 billion in 2013 and now its 525 billion at the end of 2014. Notice the trend?


      There wasn't much could do about the growth of the total national debt since he wasn't going to destroy the he short-medium and long term American economy for a short term better looking balance sheet for the American federal government.

      The fact is he did inherit a troubled economy - 2nd only to the great depression, that lead to a shortfall in tax receipts for the federal govt of around 600-800 billion per year.

      His predecessor would have still left the nation with a 400-600 yearly deficit even without the shortfall in fed govt tax receipts.

      The numbers are much better in many areas for those that understand numerical values and the nation's economy is slowly limping along and it certainly is not where it was back in 2009.

      In economics sometimes a lower # is better and sometimes a higher # is better.
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      • Profile picture of the author Kay King
        I don't have grand illusions about "my place" in history. I just take up my own little piece of square footage.

        Six years in and the argument is still....it's the other guy's fault? If you run for a job and you get the job....you DO the job and fix the problems. Or you don't.
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        • Profile picture of the author Midnight Oil
          Originally Posted by MikeAmbrosio View Post

          I'm pro government. I think this country (or any one) needs government.
          I would consider myself pro-government, anti-government and apathetic-government. Depends on what we might be talking about at the moment. I suspect most folks are the same.

          To me, the most anti-government extreme would probably include those who are so pro-government they can't allow themselves to question and challenge it, its authority and actions, regardless of party in charge and personal political leanings.

          Originally Posted by MikeAmbrosio View Post

          As for TL, I don't suspect he has the ability to be self-critical or even party critical.

          So don't expect a "teaching moment".
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        • Profile picture of the author TLTheLiberator
          Originally Posted by Kay King View Post

          I don't have grand illusions about "my place" in history. I just take up my own little piece of square footage.

          Six years in and the argument is still....it's the other guy's fault? If you run for a job and you get the job....you DO the job and fix the problems. Or you don't.

          That's easy enough for you to say and it signals you don't know a lot about how things work in the federal govt - or you don't care to know.

          Any POTUS can't do much of anything without the house and senate on his side as it was in the first 2 years of #44's admin.

          The nation has wasted 4 years with all sorts of counterproductive, obstructionist, buffoonery tactics since your friends took over the house in 2010.
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          • Profile picture of the author ThomM
            Originally Posted by TLTheLiberator View Post

            That's easy enough for you to say and it signals you don't know a lot about how things work in the federal govt - or you don't care to know.

            Any POTUS can't do much of anything without the house and senate on his side as it was in the first 2 years of #44's admin.

            The nation has wasted 4 years with all sorts of counterproductive, obstructionist, buffoonery tactics since your friends took over the house in 2010.
            You do realize the Democrats controlled congress for the last 3 years Bush was in office, right?
            So
            Originally Posted by TLTheLiberator View Post

            Any POTUS can't do much of anything without the house and senate on his side as it was in the first 2 years of #44's admin.
            How is the mess the current Pres. inherited Bush's fault and not the fault of Congress or at the least why isn't the fault equally shared?
            If it's all Bush's fault then doesn't that mean he was able to work with Congress, where Obama can't?
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            • Profile picture of the author TLTheLiberator
              [snip] I already replied but somehow, someway it didn't go through. [snip]

              [Mod note: It went through. I deleted it. - Paul]

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      • Profile picture of the author SteveJohnson
        Note: I posted this, then read Paul's comment above. I'm really trying not to be personal, and I do realize this has gone way OT. Feel free to delete if desired.

        Actually, never mind. Deleted it myself.
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  • Profile picture of the author Paul Myers
    **cough** [AHEM] **cough**
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    • Profile picture of the author Joe Mobley
      Yep. The thought occurred to me as I was reading the page.

      "Paul isn't going to put up with much more of this."


      Originally Posted by Paul Myers View Post

      **cough** [AHEM] **cough**
      Joe Mobley
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      • Profile picture of the author Kay King
        message received

        Can only speak for myself, though.

        You even want to drag the FLOTUS mother into it.
        She lives in the White House and traveled on a taxpayer funded trip - have no problem with that. Michelle and her daughters are repeatedly praised for being gracious and friendly to all when they travel - her mother should display the same level of good manners.
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      • Profile picture of the author Paul Myers
        Joe,
        "Paul isn't going to put up with much more of this."
        Indeed. We're already way over the "no politics" line. It was starting to get personal.


        Paul
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  • So does anyone have anything else left to say about single payer systems?
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    • Profile picture of the author SteveJohnson
      Originally Posted by Hopeless Bromantic View Post

      So does anyone have anything else left to say about single payer systems?
      If it hasn't been said in 442 posts, it probably won't be
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      • Profile picture of the author Paul Myers
        If it hasn't been said in 442 posts, it probably won't be
        Probably true. On the whole, I think this one was a success. A few bumps, but nothing like used to happen here with topics like this. Lots of points made on all sides, and much to chew on.

        If this one was as bad as it ever got in here, you'd never see a mod in this section for anything but conversation.

        I'd like that. A lot.


        Paul
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    • Profile picture of the author rondo
      Originally Posted by Hopeless Bromantic View Post

      So does anyone have anything else left to say about single payer systems?
      Most people who have it in their countries seem to like it.
      I do, and I pay into it more than I've used it.

      It's not a perfect system and costs will continue to rise, but I like that the government negotiates with big pharma to provide us with very cheap medicine. I like the health care safety net it provides if I'm ever unemployed or broke. I like that I can choose to get private insurance instead for a reasonable fee if I want to.

      I also like that there are reciprocal agreements with other countries. So when I travel to the UK or NZ etc I can access their public health system at no extra cost.


      Andrew
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      • Profile picture of the author seasoned
        Originally Posted by rondo View Post

        Most people who have it in their countries seem to like it.
        I do, and I pay into it more than I've used it.

        It's not a perfect system and costs will continue to rise, but I like that the government negotiates with big pharma to provide us with very cheap medicine. I like the health care safety net it provides if I'm ever unemployed or broke. I like that I can choose to get private insurance instead for a reasonable fee if I want to.

        I also like that there are reciprocal agreements with other countries. So when I travel to the UK or NZ etc I can access their public health system at no extra cost.


        Andrew
        I have actually said that I wouldn't mind if they had taxes here, like they do in denmark, if they were used like denmark apparently uses them. Of course I have NEVER been in a Danish hospital or doctors office.

        HECK, I ended up in a bad area that was OBVIOUSLY bad! In the US, it would NOT be considered bad. I could name DOZENS of places in the U, that I have been to, that are WORSE! But it stood out in Denmark. I mentioned my experience to several people in different parts of denmark. Even parts where it was a 30 minute flight, or a 3 hour ferry ride. THEY NAMED THE STREET!!!!!!

        But you won't see that in the US. If I described that HERE, people could name streets 20-3000 miles from here that are worse. They are usually surrounded by whole cities that are as bad.

        What has come to be known as romney care, they mandate that new prescriptions NOT declare "as written", and that they use generic, when available. In indiana, I got a prescription and most are "as written". That meant that the doctor checked a box FORBIDDING anyone to even offer me generics. When I went to Massachusetts, I was under "romney care", he doctor didn't check the box, and suggested generics.

        I have heard Obamacare requires name brand, but the law does NOT specify generics.

        They are making private insurance ILLEGAL here! All such individual private programs have been CANCELLED! They plan to soon do the same with company programs. Eventually, the remaining programs will have to be scraped ALSO, but they aren't available to people like me anyway.

        In the US, politicians are allowed to lie, slander, libel, and even steal with impunity, a lot of it has even been made "legal". It is also run as a ponzi scheme. It is well known that my generation had about biggest increase ever, and future ones are rather minor. Ponzi schemes generally fall apart when such things happen. Of course they ARE raising the retirement age, lowering COLA, etc...

        My uncle and I got into an argument about how SS worked. I said they were stealing money, and he said it was a good deal. WHO was right? WE WERE! With ME, the percentage was close to what many investors suggest. With HIM, it was ridiculously low. SO, to pay HIS generation, they had to steal from mine. That means MY generation doesn't have enough, so the cycle continues. With all the depressions, and the new lackadaisical attitude, that won't be pretty.

        http://www.prb.org/pdf09/64.1generations.pdf

        Steve
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      • Profile picture of the author ronrule
        Originally Posted by rondo View Post

        Most people who have it in their countries seem to like it.
        I do, and I pay into it more than I've used it.
        We covered earlier why something that works in other countries doesn't necessarily work here. Especially in this case.

        It's not a perfect system and costs will continue to rise, but I like that the government negotiates with big pharma to provide us with very cheap medicine.
        Three problems with this statement:
        (1) No such negotiations have taken place.
        (2) There is NOTHING provisioned within the ACA that suggests the government will do any such thing, and
        (3) They could have done that anyway. Governments implement price controls all the time. They do it on every other type of insurance, and thousands of products ranging from food to gas generators. They don't need to take over a system to set the price.

        I like the health care safety net it provides if I'm ever unemployed or broke. I like that I can choose to get private insurance instead for a reasonable fee if I want to.
        You aren't covered by the ACA if you aren't paying in. You also can't choose to get private insurance "instead" - the ACA is private insurance, forced on us by government mandate. Which did nothing to solve the problem for the people who truly can't afford it. If you couldn't afford it before, how does telling someone "Well sign up anyway, or pay a tax penalty" help them?
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        • Profile picture of the author TimPhelan
          He wasn't talking about the ACA. He was talking about the Australian universal health care system.

          Originally Posted by ronrule View Post

          Three problems with this statement:
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          • Profile picture of the author ronrule
            Originally Posted by TimPhelan View Post

            He wasn't talking about the ACA. He was talking about the Australian universal health care system.
            My mistake. I think what's in Australia probably works for Australia. We have a different infrastructure here, and every single cost leading up to the point of "Who pays the bill" is based on regulated commerce. There are a lot of other things that would have to change first before we could ever move to a single payer system here.
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    • Profile picture of the author Joe Mobley
      I wonder if anybody actually changed their mind?

      Joe Mobley

      Originally Posted by Hopeless Bromantic View Post

      So does anyone have anything else left to say about single payer systems?
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    • Profile picture of the author TimPhelan
      Originally Posted by Hopeless Bromantic View Post

      So does anyone have anything else left to say about single payer systems?
      This thread has had some good thoughts about single payer but there's still a lot to be said I think. When Mike started this thread I wondered if I really wanted to get involved because it really is a complex issue and we have had a few threads in the past that have dealt with it, although this may be the first one that was specifically about single payer. Plus, most of those other threads ended up getting locked or deleted and/or going off track like this one did. After a few of those where I spend a good bit of time offering my views in posts it kind of makes me reluctant to really do it again.

      A single payer health care system has been something I have been interested in for decades and especially since Proposition 186 in California twenty years ago. Mike's thread here and some of the responses has made me think that I want to do something.

      So what I'm going to do is write an in depth article about why I think single payer is the way the US should go, publish it on a blog, do a prweb press release and probably also start a facebook page.

      I challenge any of my fellow Warriors to do the same. Some of you think we haven't really given a true free market system a chance. Why is that? Why do you think the free market is the way to go? ( As Ken would say "Because you say so?" lol )

      Yes, those in favor of a single payer system will have to convince many others that it's the best way forward, but those in favor of the status quo or of trying a "true free market system" will need to present their case also. Just saying a single payer system is illegal/unconstitutional and that the free market will solve all our problems won't cut it in my opinion. The public knows our system is broken and has been for a long time. They understand something still has to be done.
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      • Profile picture of the author seasoned
        Originally Posted by TimPhelan View Post

        A single payer health care system has been something I have been interested in for decades and especially since Proposition 186 in California twenty years ago. Mike's thread here and some of the responses has made me think that I want to do something.
        So after a HUGE defeat, you thought it had MORE promise! INTERESTING!

        I challenge any of my fellow Warriors to do the same. Some of you think we haven't really given a true free market system a chance. Why is that? Why do you think the free market is the way to go? ( As Ken would say "Because you say so?" lol )
        You don't listen, you haven't even looked at this, and you want to speak against it? Why even ask? On my last response, I predicted, "in one ear and out the other!".

        Yes, those in favor of a single payer system will have to convince many others that it's the best way forward, but those in favor of the status quo or of trying a "true free market system" will need to present their case also. Just saying a single payer system is illegal/unconstitutional and that the free market will solve all our problems won't cut it in my opinion. The public knows our system is broken and has been for a long time. They understand something still has to be done.
        Well, a fully free market has NEVER been tried. The current system doesn't even allow it.

        It is INTERESTING that ******YOU******* acknowledged this YOURSELF when you said it affected aspects of OBAMACARE when you spoke of differences in states and how they could setup their OWN plans and how some didn't setup their OWN exchanges! It was ALSO telling when you said that the federal website should not have been a concern because the STATES should have setup their own, and how you LIKED the idea that states that setup their own could have their OWN plans!

        How do you constantly jump that rope without acknowledging the rope IS there!?!?!?

        As long as I am at it, people that support this said it is a SUCCESS! I say it is not. ******PROVE ME WRONG******! If YOU are right, stopping here brands it a success, and we can both live in peace. YOU get what YOU want and I get what I want!

        You can, according to you, simply have them do NOTHING!

        BUT, I have said since BEFORE this even came up for a vote that there are a few areas. I am happy they haven't hit MINE yet. I predicted 1/1/2014, and the insurance company says it is 8/1/2014. I ALSO said that it would GUT things. Most will be ok until the next step(success states that there IS no next step).

        SO, get on the phone, and tell congress and obama that you have all declared it DONE, and STOP the further processing. The next step will NOT cause more people to get insurance anyway! Employers have said they are HESITANT to hire, and people have been laid off, or had their hours cut, because of less important changes that have ALREADY hit.

        Steve
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        • Profile picture of the author TimPhelan
          A good example of why I didn't want to really get into an in depth discussion about single payer here. Thanks Steve!

          Originally Posted by seasoned View Post

          So after a HUGE defeat, you thought it had MORE promise! INTERESTING!



          You don't listen, you haven't even looked at this, and you want to speak against it? Why even ask? On my last response, I predicted, "in one ear and out the other!".



          Well, a fully free market has NEVER been tried. The current system doesn't even allow it.

          It is INTERESTING that ******YOU******* acknowledged this YOURSELF when you said it affected aspects of OBAMACARE when you spoke of differences in states and how they could setup their OWN plans and how some didn't setup their OWN exchanges! It was ALSO telling when you said that the federal website should not have been a concern because the STATES should have setup their own, and how you LIKED the idea that states that setup their own could have their OWN plans!

          How do you constantly jump that rope without acknowledging the rope IS there!?!?!?

          As long as I am at it, people that support this said it is a SUCCESS! I say it is not. ******PROVE ME WRONG******! If YOU are right, stopping here brands it a success, and we can both live in peace. YOU get what YOU want and I get what I want!

          You can, according to you, simply have them do NOTHING!

          BUT, I have said since BEFORE this even came up for a vote that there are a few areas. I am happy they haven't hit MINE yet. I predicted 1/1/2014, and the insurance company says it is 8/1/2014. I ALSO said that it would GUT things. Most will be ok until the next step(success states that there IS no next step).

          SO, get on the phone, and tell congress and obama that you have all declared it DONE, and STOP the further processing. The next step will NOT cause more people to get insurance anyway! Employers have said they are HESITANT to hire, and people have been laid off, or had their hours cut, because of less important changes that have ALREADY hit.

          Steve
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        • Profile picture of the author TimPhelan
          Originally Posted by seasoned View Post

          Why even ask? On my last response, I predicted, "in one ear and out the other!".


          I was referring to my suggestion that others also write an article on the subject and publish it on the web. I was suggesting what to write in the article. Those were rhetorical questions. Geesh. Besides being someone who has huge problems writing coherently and clearly, you also skim over things and don't understand what others are saying a lot of the time.
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  • You know, seasoned, if instead of your endless, half-coherent rants, you directed those energies into developing whatever your business is, you'd be the richest person in this forum.
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    • Profile picture of the author seasoned
      Originally Posted by Hopeless Bromantic View Post

      You know, seasoned, if instead of your endless, half-coherent rants, you directed those energies into developing whatever your business is, you'd be the richest person in this forum.
      Half coherent? He says nobody explained why people keep saying that the free market wasn't ever tried, and I showed him how he HIMSELF said each state was doing a different model. WHY? They all have an office that is SPECIFICALLY to set and enforce STATE BASED requirements! It is actually, in most cases at least, called the "INSURANCE COMMISSIONER":

      National Association of Insurance Commissioners (NAIC) State Web Map

      COHERENT enough for you?

      And ANY business could EASILY show you how they made a million dollars this week. Without costs, you never really know what the profit is. Without that, you can't judge success.

      Clear enough? Obama care has collected funds, a LOT of funds, for YEARS. IT itself really only started paying like a few months ago, and even some people in the queue are not at a point to require payments. Even then, a lot is shifted to other places that I predicted may last 5-10 years. That is especially clouded with the reinsurance.

      If it were a private business, anyone would tell you it is still too early to determine the success.

      To add insult to injury....

      1. WHAT do they mean by signed up? At one point, they meant signed up to the system, HC.G. They don't seem to really know.
      2. HOW MANY paid? They said they don't know.
      3. HOW MANY applied for insurance? They said they can't know.
      4. HOW MANY were dropped? Estimates HAVE been in the 7 million range, but who knows?
      5. HOW MANY that applied and paid were earlier dropped? They have testified that they haven't recorded that info.

      BTW They CLAIM they will have about 6.5Million "signed up", but subtract the 7 million that lost and.....

      And as for the time, I could say the same about some others. HECK, cruz ran an open poll. I don't think I even heard about it. Having the response he got, especially with the comments, I think some %^&*( told people to do it. I heard about it ONLY because I went to google news, and saw it listed there.

      Steve
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      • Profile picture of the author TLTheLiberator
        Originally Posted by seasoned View Post

        Half coherent? He says nobody explained why people keep saying that the free market wasn't ever tried, and I showed him how he HIMSELF said each state was doing a different model. WHY? They all have an office that is SPECIFICALLY to set and enforce STATE BASED requirements! It is actually, in most cases at least, called the "INSURANCE COMMISSIONER":

        National Association of Insurance Commissioners (NAIC) State Web Map

        COHERENT enough for you?

        And ANY business could EASILY show you how they made a million dollars this week. Without costs, you never really know what the profit is. Without that, you can't judge success.

        Clear enough? Obama care has collected funds, a LOT of funds, for YEARS. IT itself really only started paying like a few months ago, and even some people in the queue are not at a point to require payments. Even then, a lot is shifted to other places that I predicted may last 5-10 years. That is especially clouded with the reinsurance.

        If it were a private business, anyone would tell you it is still too early to determine the success.

        To add insult to injury....

        1. WHAT do they mean by signed up? At one point, they meant signed up to the system, HC.G. They don't seem to really know.
        2. HOW MANY paid? They said they don't know.
        3. HOW MANY applied for insurance? They said they can't know.
        4. HOW MANY were dropped? Estimates HAVE been in the 7 million range, but who knows?
        5. HOW MANY that applied and paid were earlier dropped? They have testified that they haven't recorded that info.

        BTW They CLAIM they will have about 6.5Million "signed up", but subtract the 7 million that lost and.....

        And as for the time, I could say the same about some others. HECK, cruz ran an open poll. I don't think I even heard about it. Having the response he got, especially with the comments, I think some %^&*( told people to do it. I heard about it ONLY because I went to google news, and saw it listed there.

        Steve
        Still going with the phony meme that more people lost insurance than gained it thanks to the ACA?

        Don't forget to count the 5-6 million from the medicaid-expansion part of the ACA and don't forget to count the 3 million young folks who are now on their parents insurance plans when they were not on there before.

        - 6 million from exchanges:

        - 5 million from medicaid-expansion: (Ron decided not to count them)

        - 3 million 18-25 now with parents:


        That's 14 million, so even if you do count all the people (7 million - and all 7 million did not lose their insurance) who supposedly lost their insurance that's still 7 million in the plus column.

        Just another silly anti-ACA meme that won't stand up to scrutiny.

        Of course the final numbers are not in yet so I guess there's always hope for you and of course you can also dispute the numbers when they do come in.
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        • Profile picture of the author seasoned
          Originally Posted by TLTheLiberator View Post

          Still going with the phony meme that more people lost insurance than gained it thanks to the ACA?
          If it is phony, please tell Kathleen Sebelius. In fact, you can tell congress, so they can lock her up for perjury and contempt of congress.

          Don't forget to count the 5-6 million from the medicaid-expansion part of the ACA and don't forget to count the 3 million young folks who are now on their parents insurance plans when they were not on there before.

          - 6 million from exchanges:

          - 5 million from medicaid-expansion: (Ron decided not to count them)

          - 3 million 18-25 now with parents:
          ACTUALLY, I KNOW a lot 18-24 were covered earlier. If they could be considered dependents, even in college, they could be covered earlier. STILL, those that lost lost LATER, so 3million-3million(because that amount wasn't counted) is STILL ZERO!
          I WAS counting the 6 million supposedly indicated. Those dropped would mostly, perhaps ALL, NOT be covered by medicaid.

          That's 14 million
          14 million? Why don't you count the covered people in canada, the UK, australia, etc? It makes about as much sense. Still, like I said, KS said they couldn't give those numbers. And estimates are that 20% didn't even pay.

          , so even if you do count all the people (7 million - and all 7 million did not lose their insurance) who supposedly lost their insurance that's still 7 million in the plus column.

          Just another silly anti-ACA meme that won't stand up to scrutiny.
          It would help if they had the figures during the hearing, and actually asked people if they were covered earlier.

          Of course the final numbers are not in yet so I guess there's always hope for you and of course you can also dispute the numbers when they do come in.
          YEP, they aren't in, and that is the whole point. STILL, people HAVE lost treatment, HAVE been dropped, have lost their doctor, hospital, etc...., and most report premiums and deductibles went up significantly. There are also reports that they will increase a lot MORE by the end of this year.

          Lindsay Graham today said he wants to replace and repeal. he said you can't leave someone with nothing, so it has to be done in that order. They did it WRONG HERE though. I have to wait 4 MONTHS to find out if I will be covered in 5 months. I will then have maybe DAYS to try to find a plan that I can afford. COST is based on DEDUCTIBLE and PERCENTAGE THEY PAY! Will an affordable plan exist? Will I now have to pay for ALL of it? If so, will it be deductible?

          Steve
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          • Profile picture of the author ThomM
            Originally Posted by seasoned View Post

            There are also reports that they will increase a lot MORE by the end of this year.

            Steve
            O-Care premiums to skyrocket | TheHill
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            • Profile picture of the author Kay King
              TL's numbers are higher than the ones people running the exchanges were giving out today. Saying anything to "win"? Isn't that how we got into this mess in the first place?

              I don't get too excited about millions more signing up for Medicaid - that's more money from taxpayers.

              The main goal of the ACA was to provide insurance for the uninsured - that was the stated goal time after time when they were pushing this law through.

              And they didn't add a box to check if you were buying insurance for the first time or previously uninsured? That's odd.
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              • Profile picture of the author TLTheLiberator
                Originally Posted by Kay King View Post

                TL's numbers are higher than the ones people running the exchanges were giving out today. Saying anything to "win"? Isn't that how we got into this mess in the first place?

                I don't get too excited about millions more signing up for Medicaid - that's more money from taxpayers.

                The main goal of the ACA was to provide insurance for the uninsured - that was the stated goal time after time when they were pushing this law through.

                And they didn't add a box to check if you were buying insurance for the first time or previously uninsured? That's odd.
                Saying anything to win is one thing but knocking down phony memes is my speciality and around here its quite easy since certain members of this forum love to wallow in them - time and time again.

                (Not that you folks won't continue with the phony memes since you folks can and often do dispute the official numbers especially when they don't agree with your meme)

                - Shave a million off each of the numbers I cited &...

                - We both know all 7 million people who received cancellation letters did not lose their insurance. I bet not even 75% of them actually lost their insurance and are now without insurance.

                Add those numbers up... (you can keep the 7 million #)

                ...and the answer is no,...

                ...the ACA has not lost more policies than newly signed up policies.

                Of course the final numbers are not in and when they do come in, you and the others can dispute them - keep the phony meme alive and make yourselfs feel better.


                BTW, at least one of your like minded allies has seen the light.

                White House touts ‘Fox News addict’ who loves ObamaCare

                White House touts

                I'm willing to bet that if and when reporters check into his story they'll find it to be true - not like the deluge of phony Obamacare horror stories that have been making the rounds of late.

                I'm sure there are some but why can't people like the Koch brothers and all their satellite organizations find them and put them in their ads?
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            • Profile picture of the author HeySal
              Originally Posted by ThomM View Post

              You get the gold star.

              I've been watching this thread. A lot of people talking about something that they know jack about other than what their favorite party has had to say about it.

              I read the whole damned thing. It was originally 900 some pages and increased to 1,200 before I even got done.

              There are so many more taxes that are going to hit us from this it's staggering. They have been waived until after elections. Hows that for a farce? You people won't read it so we can all fool you about what's going on and get you roped before you even know what you're going to be roped into.

              Income tax is about to go up......... to cover ACA
              Investment income - 3.8 % UP to cover ACA
              A tax on the sale of property - 3.9% to cover ACA
              Medicare payroll tax - 1.45% UP to cover ACA
              Non Insured tax - on people who don't have insurance -1% AGI 2014 - 2% 2015 2.5% after that. This one torks me to no end.

              There are employer fines - insurer taxes, taxes on Bio-fuel, on Innovator drug companies (rather than limiting how much they can hike the price on a drug to sell it to YOU, which in some cases is in the 1000s%, they are going to take more money for the ACA). High medical bill tax raises deductions for medical expenses to 10% from 7%. Oh and love this one -- flexible spending caps - they're even limiting what you can spend in your OWN flexible spending accounts.

              This is NOT a healthcare system we are talking about - it's a systematic bleeding of the public. Your health is not going to get any better under this bill. Your care is no more guaranteed than it is now -- in fact less so, because the IRS can force a doctor to deny treatment to anyone they want to pull the rug under.

              I'm back out of this thread because it's kinda nauseating to hear people who have never read that bill (yes, I know it's a law now) yapping at each other about something they know not one damned thing about. When you go in for healthcare and they tell you there's a XXX $$ cap on treatment you can have, or that the IRS has decided you don't get treatment at all, it's going to be too late and all the propaganda and yacking that a quick read over would have prevented will come smacking down on your head, and possibly very fatally.

              One payer - many payer. I don't care. We need a reform of the medical industrial complex, not new and severely financially devastating health insurance.
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              • Originally Posted by HeySal View Post

                Your care is no more guaranteed than it is now -- in fact less so, because the IRS can force a doctor to deny treatment to anyone they want to pull the rug under.
                Very disappointing, Sal: I don't recall your ever saying anything so disingenuous.

                In reality, the IRS is just supposed to verify that people have health coverage -- which means collecting records from employers and insurers, but not doctors.

                And in September, then-IRS Acting Commissioner Steven Miller testified at a House hearing that the agency will verify insurance coverage, but nothing more. "It is important to note that the information that insurers provide to the IRS will show the fact of insurance coverage, and will not include any personal health information," he said in his prepared testimony. [Politico, 5/16/13]
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                • Profile picture of the author HeySal
                  Originally Posted by Hopeless Bromantic View Post

                  Very disappointing, Sal: I don't recall your ever saying anything so disingenuous.

                  Predictable. Did YOU read the damned thing? That's what I am talking about. I am practically quoting from the damned thing and you're lampooning on the basis of you heard something somewhere. Oh kewl. Do you really think your illogical pooning of my integrity really matters a rat's ass when I don't even know if you CAN read the documents? Seriously. How can you hope to so cheaply intimidate me in this issue when I read the thing right from the government's own pens? You can believe what you want. Your belief does nothing, nadda, zilch to change one damned word on the legislation. You want to prove me false? Get to reading. It gets thick and it takes awhile.

                  We have one damned hope right now -- and that is Dr. Ben Carson. He's being called on to help fix a system that every damned one of them knows isn't going to work in any way shape or form. And we're not talking about broken websites.
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                  • Originally Posted by HeySal View Post

                    Predictable. Did YOU read the damned thing? That's what I am talking about. I am practically quoting from the damned thing and you're lampooning on the basis of you heard something somewhere.
                    Really? Fine. Site the paragraph. Go ahead; I dare you. :p
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                    • Profile picture of the author Kay King
                      I so admire Ben Carson....but he's soft spoken and an expert on health care ....what are the chances the people busy defending the current mess will listen to him?

                      Bigger question - why didn't they listen to people like Dr. Carson BEFORE they created this mess?

                      I've heard some of Carson's ideas for health care - far too much common sense and realistic alternatives
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                      • Profile picture of the author seasoned
                        Originally Posted by Kay King View Post

                        I so admire Ben Carson....but he's soft spoken and an expert on health care ....what are the chances the people busy defending the current mess will listen to him?

                        Bigger question - why didn't they listen to people like Dr. Carson BEFORE they created this mess?

                        I've heard some of Carson's ideas for health care - far too much common sense and realistic alternatives
                        Well, Ben is a nice black conservative, so people think they are imagining things and don't bother. It's like the proverbial pink elephant! As I recall, his mother was poor, and uneducated, but she was a decent person and a hard worker, and insisted her kids study and do far better than SHE did. And she succeeded!

                        Statistically, NOT because they were black, but being so poor and all, they may not have turned out well. BEN is a successful Neurosurgeon! He has taught several specialties, and done them as well. Apparently his older brother Curtis is a manager for Honeywell in the aircraft landing division(and a mechanical engineer). You want to know what the american dream REALLY is? THAT'S IT! POOR, underprivileged, and they BOTH turned out well and likely don't have to worry about finances.

                        OH YEAH, ANOTHER reason they may hate BEN? He graduated from YALE! You know how people from harvard are said to dislike those from yale!

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                      • Profile picture of the author TLTheLiberator
                        Originally Posted by Kay King View Post

                        I so admire Ben Carson....but he's soft spoken and an expert on health care ....what are the chances the people busy defending the current mess will listen to him?

                        Bigger question - why didn't they listen to people like Dr. Carson BEFORE they created this mess?

                        I've heard some of Carson's ideas for health care - far too much common sense and realistic alternatives

                        Deleted, the day is yours!
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                      • Profile picture of the author TimPhelan
                        Originally Posted by Kay King View Post

                        Bigger question - why didn't they listen to people like Dr. Carson BEFORE they created this mess?

                        I've heard some of Carson's ideas for health care - far too much common sense and realistic alternatives
                        Which ideas do you like? The health savings account? That's actually a good idea but how would it be implemented? To what degree? Would there be a manditory tax to make it work? Singapore uses health savings accounts and their health system was ranked #6 in the world by the WHO in 2000. However, it is funded by a 20% payroll tax similar to our social security tax. Are you in favor of that? How would that go over here in the US?

                        Carson has also said the ACA was "the worst thing that has happened in this nation since slavery" and that "socialized medicine is the keystone to the establishment of a socialist state". Are these the common sense thoughts you agree with? I thought you favored a single payer health system?
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                        • Profile picture of the author ThomM
                          Originally Posted by TimPhelan View Post

                          Which ideas do you like? The health savings account? That's actually a good idea but how would it be implemented? To what degree? Would there be a manditory tax to make it work? Singapore uses health savings accounts and their health system was ranked #6 in the world by the WHO in 2000. However, it is funded by a 20% payroll tax similar to our social security tax. Are you in favor of that? How would that go over here in the US?

                          Carson has also said the ACA was "the worst thing that has happened in this nation since slavery" and that "socialized medicine is the keystone to the establishment of a socialist state". Are these the common sense thoughts you agree with? I thought you favored a single payer health system?
                          He explains it in this interview Tim.
                          CARSON: A better alternative to Obamacare - Washington Times
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                          • Profile picture of the author TimPhelan
                            You know what Thom? I like it. It's basically the same thing Singapore is doing. I'm not sure if it could get passed in Congress. He also says he wouldn't repeal Obamacare. This would be an enhancement.

                            It is a form of socialized medicine also. I mean, the money is coming from the government. He doesn't say where the $700 billion a year would come from though. I would be in favor of this if it could be passed into law and fully funded somehow.



                            Originally Posted by ThomM View Post

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                        • Profile picture of the author Kay King
                          I think my comment before this one makes it clear where I come down on this. I'm not saying I agree with everything he says but think he's worth listening to and knows more about health care than the pols do.

                          I do think there's a time limit on how long people can argue the ACA - without implementing it. We can't adjust it and fix what needs fixed until it's working as the law. The same people who passed this law need to stop excusing the delays in putting the law in place. We need to cancel all the exemptions granted and make this law apply equally to everyone.
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                    • Profile picture of the author HeySal
                      Originally Posted by Hopeless Bromantic View Post

                      Really? Fine. Site the paragraph. Go ahead; I dare you. :p
                      Pargraph? LMAO - are you mental? The original document was 900 pages long and was 1,200 by the time I was half way through it.

                      I want EVERYONE else to read this thing because when I open my mouth, I get responses like yours -- and that was when I WAS putting up exact sections.

                      You want to start reading - start with section 4 and 7 -- and if you still have a stomach left start from the beginning. Anyone who has a "solid opinion" on this thing that hasn't read it is BS walking. That includes you. I won't do anymore legwork for you than I just did...........you need to READ it.
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                      • Originally Posted by HeySal View Post

                        Pargraph? LMAO - are you mental? The original document was 900 pages long and was 1,200 by the time I was half way through it.

                        I want EVERYONE else to read this thing because when I open my mouth, I get responses like yours -- and that was when I WAS putting up exact sections.

                        You want to start reading - start with section 4 and 7 -- and if you still have a stomach left start from the beginning. Anyone who has a "solid opinion" on this thing that hasn't read it is BS walking. That includes you. I won't do anymore legwork for you than I just did...........you need to READ it.
                        First you make this hypersensational comment about the IRS denying people medical care, then you refuse to back it up with anything from the law itself?

                        Forget it: your credibility on this has just plunged several hundred points below zero.
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                • Profile picture of the author garyv
                  Originally Posted by Hopeless Bromantic View Post

                  Very disappointing, Sal: I don't recall your ever saying anything so disingenuous.

                  In reality, the IRS is just supposed to verify that people have health coverage
                  Oh, you mean like how the IRS is just supposed to verify tax-exempt status?
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                  • Originally Posted by garyv View Post

                    Oh, you mean like how the IRS is just supposed to verify tax-exempt status?
                    Did anyone have their tax-exempt status wrongfully yanked? No. Just another fabricated scandal.
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                    • Profile picture of the author garyv
                      Originally Posted by Hopeless Bromantic View Post

                      Did anyone have their tax-exempt status wrongfully yanked? No. Just another fabricated scandal.

                      Ohhh... LOL another "fabricated scandal"

                      To go along with this fabricated apology and fabricated firing right?

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                      • Originally Posted by garyv View Post

                        Ohhh... LOL another "fabricated scandal"

                        To go along with this fabricated apology and fabricated firing right?
                        Nobody in the IRS was convicted of any crime connected to this. No organization lost its tax-exempt status. So yes, another fabricated scandal. Game over.
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                        • Profile picture of the author seasoned
                          Originally Posted by Hopeless Bromantic View Post

                          Nobody in the IRS was convicted of any crime connected to this. No organization lost its tax-exempt status. So yes, another fabricated scandal. Game over.
                          Organizations/people were AUDITED! Organizations LOST their tax exempt status. Organizations had their tax exempt status DELAYED(they had to fight and bring this up).

                          So YEAH, it WAS a scandal. It was on the NEWS, NPR, etc.... AND 2013 IRS scandal - Wikipedia, the free encyclopedia

                          The IRS is one of those organizations that practically says they can KILL with impunity. STILL, from about 8 DAYS ago: House lawyers say panel can pursue contempt charges against Lois Lerner

                          WOW, you think that not firing anyone means all were innocent? Then WHY do people fault NIXON or BUSH? Yu DO realize they weren't fired, etc.... RIGHT?

                          Steve
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                        • Profile picture of the author NewParadigm
                          Originally Posted by Hopeless Bromantic View Post

                          Nobody in the IRS was convicted of any crime connected to this. No organization lost its tax-exempt status. So yes, another fabricated scandal. Game over.
                          Nor will they with Eric Holder as attorney general.


                          your statement is like asking the NAZI's to investigate Hitler for war crimes.
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                          • Originally Posted by NewParadigm View Post

                            Nor will they with Eric Holder as attorney general.


                            your statement is like asking the NAZI's to investigate Hitler for war crimes.
                            The IRS is not above the law: that's why we have tax courts. Trust me; I've fought them myself.
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                        • Profile picture of the author garyv
                          Originally Posted by Hopeless Bromantic View Post

                          Nobody in the IRS was convicted of any crime connected to this. No organization lost its tax-exempt status. So yes, another fabricated scandal. Game over.
                          Several people were fired and quit over it. The president himself said that the IRS' actions were "outrageous" and "unacceptable". What was he talking about? And why were people fired if nothing happened? Why the need to plea the 5th if you've done nothing wrong?




                          You may be too young to remember Bagdad Bob, but those of you claiming that all of these many scandals are made up are starting to look more ridiculous than Bagdad Bob.
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                          • Profile picture of the author seasoned
                            Originally Posted by garyv View Post

                            Several people were fired and quit over it. The president himself said that the IRS' actions were "outrageous" and "unacceptable". What was he talking about? And why were people fired if nothing happened? Why the need to plea the 5th if you've done nothing wrong?

                            IRS Scandal: Obama on Tax Agency's Targeting of Conservative Groups - YouTube



                            You may be too young to remember Bagdad Bob, but those of you claiming that all of these many scandals are made up are starting to look more ridiculous than Bagdad Bob.
                            WOW! UMBRELLA GATE! How could I forget!

                            Even Obama’s umbrellas are a scandal now

                            Male Marines are not allowed to use umbrellas while in uniform, and the sentries who stand guard outside the White House often get wet.

                            (For reasons two spokesmen for the Marines and one for the Army could not immediately explain, female Marines are allowed to carry umbrellas with service or dress uniforms.)
                            So the marines had to violate their ultimate military boss, and the corps standard of conduct, to obey the president, which is ALSO required.

                            Steve
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                          • Profile picture of the author Kay King
                            Several in the IRS that were listed as "fired" at the time were later listed as "on administrative leave (paid)"...so who knows?
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                          • Originally Posted by garyv View Post

                            Several people were fired and quit over it. The president himself said that the IRS' actions were "outrageous" and "unacceptable". What was he talking about? And why were people fired if nothing happened? Why the need to plea the 5th if you've done nothing wrong?


                            You may be too young to remember Bagdad Bob, but those of you claiming that all of these many scandals are made up are starting to look more ridiculous than Bagdad Bob.
                            A health care thread isn't the place for keeping this up. Start a new one if you're prepared to get owned.
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        • Profile picture of the author ronrule
          Originally Posted by TLTheLiberator View Post

          Just another silly anti-ACA meme that won't stand up to scrutiny.
          Kind of like that poll you guys keep posting representing 0.009% of the population claiming more people are insured now?
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          • Profile picture of the author TLTheLiberator
            Originally Posted by ronrule View Post

            Kind of like that poll you guys keep posting representing 0.009% of the population claiming more people are insured now?
            Or how you decided to not count the Medicaid-expansion people in your count?

            And I'm sure you also understand that all 7 million of those people who received cancellation letters have not in fact actually lost their insurance.

            I bet at least 75% of them still have insurance.

            Why do I have the feeling that when the final numbers do come out you'll be one of the folks disputing the numbers with the "books are cooked" excuse?

            But we'll see.
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            • Profile picture of the author seasoned
              Originally Posted by TLTheLiberator View Post

              Or how you decided to not count the Medicaid-expansion people in your count?

              And I'm sure you also understand that all 7 million of those people who received cancellation letters have not in fact actually lost their insurance.

              I bet at least 75% of them still have insurance.

              Why do I have the feeling that when the final numbers do come out you'll be one of the folks disputing the numbers with the "books are cooked" excuse?

              But we'll see.
              It is an unwritten rule that you do NOT tell customers that you won't support them when you WILL. and will YOU tell the hosptals and doctors that told them they don't have insurance that they DO!?!!??

              The "final numbers" should be out in about 12 years. You want to sit back and wait?

              Even when they come back, look at where the money is coming from, medicare, taxpayers, federal reserve, treasury, years of prepayments, medicaid, insurance, reinsurance. And look at where the money is going to, medicare, unemployed, federal reserve, fraud, medicaid, insurance, reinsurance, "NAVIGATORS","ID THIEVES", and WHO KNOWS?

              With all the trillions being lost and unaccounted for, and money going all over the place, and all the lies, etc.... WHO could say HOW much was gained or lost? The "navigators", FRAUD, and other "id thieves" will NEVER be fully accounted for.

              Steve
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              • Profile picture of the author Kay King
                I've said it before:

                There will come a time when it will be clear the ACA is either working well....or isn't.

                All the talk and arguing now makes no difference. It will work or it won't. If it fails spectacularly - there will be no hiding that. If it succeeds spectacularly, there will be no reason to argue the results.

                If the people who passed this law believe in it - they should let it run as it was intended. No exemptions for unions and anyone else who asks - no delays in implementation. Put this law fully in place and then we'll know if it can work or not - we can fix what needs fixing and make it better.

                By delaying/postponing and exempting - the law is being changed before it's implemented. The purpose seems to be to save the law - rather than save medical care for the people.
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                • Profile picture of the author TLTheLiberator
                  Originally Posted by Kay King View Post

                  I've said it before:

                  There will come a time when it will be clear the ACA is either working well....or isn't.

                  All the talk and arguing now makes no difference. It will work or it won't. If it fails spectacularly - there will be no hiding that. If it succeeds spectacularly, there will be no reason to argue the results.

                  If the people who passed this law believe in it - they should let it run as it was intended.

                  No exemptions for unions and anyone else who asks - no delays in implementation. Put this law fully in place and then we'll know if it can work or not - we can fix what needs fixing and make it better.

                  By delaying/postponing and exempting - the law is being changed before it's implemented. The purpose seems to be to save the law - rather than save medical care for the people.

                  As far as I'm concerned the purpose for the delays etc., is to help make the law work as best it can.

                  How do we know what the rollout plan was?

                  Who says the law was to be implemented wholesale and not piece by piece?

                  With all the moving parts of the American health care system - who says letting everything loose at the same time would be best?
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                  • Profile picture of the author ThomM
                    Originally Posted by TLTheLiberator View Post

                    As far as I'm concerned the purpose for the delays etc., is to help make the law work as best it can.

                    How do we know what the rollout plan was?

                    Who says the law was to be implemented wholesale and not piece by piece?

                    With all the moving parts of the American health care system - who says letting everything loose at the same time would be best?
                    The way the law was written and signed by Obama was for certain mandates to go into effect on specific dates.
                    When those dates arrived the president (by executive order) moved the dates back. The employer mandate is one example.
                    White House To Delay Obamacare's Employer Mandate Until 2015; Far-Reaching Implications For The Private Health Insurance Market - Forbes
                    The law wasn't written to go into effect all at once and you knew that.
                    The roll out plan was announced right after the law was passed.
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                  • Profile picture of the author Kay King
                    How do we know what the rollout plan was?

                    Who says the law was to be implemented wholesale and not piece by piece?
                    We know what the rollout plan was - because the dates were PART of the bill that was made into law. We passed a law with specific dates that were not "around this time" - but "at this time".

                    Maybe that was wrong -but it should be changed by the same legislators who passed the law in the first place. I'd have no problem with that.

                    I agree piece by piece would have made sense but people who called for that were outshouted when the law was passed. There were Dems who suggested that, too, and were ignored.

                    We could have required insurance providers to cover pre-existing conditions and other good parts of the ACA could have been applied without such a huge and costly program. It could have begun as a govt insurance program for the non-insured. Similar to the federal flood insurance program?

                    But that's a could-have-been scenario and not useful now. The ACA is a law and it needs to be put in place as it was passed. Then it's time to make whatever changes/amendments are needed to make it work better. You can't do that without first trying it!
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                    • Profile picture of the author TLTheLiberator
                      Originally Posted by Kay King View Post

                      We know what the rollout plan was - because the dates were PART of the bill that was made into law. We passed a law with specific dates that were not "around this time" - but "at this time".

                      Maybe that was wrong -but it should be changed by the same legislators who passed the law in the first place. I'd have no problem with that.

                      I agree piece by piece would have made sense but people who called for that were outshouted when the law was passed. There were Dems who suggested that, too, and were ignored.

                      We could have required insurance providers to cover pre-existing conditions and other good parts of the ACA could have been applied without such a huge and costly program. It could have begun as a govt insurance program for the non-insured. Similar to the federal flood insurance program?






                      But that's a could-have-been scenario and not useful now. The ACA is a law and it needs to be put in place as it was passed. Then it's time to make whatever changes/amendments are needed to make it work better. You can't do that without first trying it!

                      It sounds like you're saying that...

                      ...even though you agree that piece by piece would probably be better you still want to go full bore ahead?

                      Is that right?
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                  • Profile picture of the author garyv
                    Originally Posted by TLTheLiberator View Post

                    As far as I'm concerned the purpose for the delays etc., is to help make the law work as best it can.

                    How do we know what the rollout plan was?

                    Who says the law was to be implemented wholesale and not piece by piece?

                    With all the moving parts of the American health care system - who says letting everything loose at the same time would be best?
                    The timelines were written into the law when they were first passed. They are not being moved now to "better the plan". They are being moved now as a part of a bait and switch maneuver which was used to get the votes needed then, and the votes they'll need in November.
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                  • Profile picture of the author SteveJohnson
                    Originally Posted by TLTheLiberator View Post

                    Who says the law was to be implemented wholesale and not piece by piece?

                    With all the moving parts of the American health care system - who says letting everything loose at the same time would be best?
                    Umm, the *law* says it? The deadlines and implementation dates were all codified in the law itself. The law doesn't say "do it when you think it's time" or "postpone this if you think you need to".

                    Or have you forgotten what the word 'law' means?

                    Maybe a law just means to follow it when it's convenient? Or to be trumpeted when you want to force someone else to do something?

                    Or maybe it was supposed to be a 'living law', where its meaning changes according to the times (I think they left that part out of the legislation).
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                    • Profile picture of the author TLTheLiberator
                      Originally Posted by SteveJohnson View Post

                      Umm, the *law* says it? The deadlines and implementation dates were all codified in the law itself. The law doesn't say "do it when you think it's time" or "postpone this if you think you need to".

                      Or have you forgotten what the word 'law' means?

                      Maybe a law just means to follow it when it's convenient? Or to be trumpeted when you want to force someone else to do something?

                      Or maybe it was supposed to be a 'living law', where its meaning changes according to the times (I think they left that part out of the legislation).

                      I say...

                      Never bring (only a) knife to a gunfight.

                      The first 40 seconds of this footage examines the attitude one must have when dealing with the type of opposition the ACA has had to face from way before its inception.

                      BTW, (No, I am not advocating violence against anyone at anytime)

                      I feel I have to say that because at least one of you would probably charge me with inciting violence.


                      https://www.youtube.com/watch?v=bDAJI-z7l_c


                      BTW...

                      If the admin is breaking the law by how its implementing the law then there should be some challenges in the courts or perhaps the "I" word.

                      Although there seems to be nothing anyone can do about it at this point in the process.

                      I guess a court ruling could try to force the admin to start the business phase of the law asap but the admin would just appeal the ruling and delay it until 2015 anyways.


                      But there's still hope for you and all the people that want to snatch away the new set of benefits & protections from the American people.


                      - Hobby Lobby is attempting to circumvent the birth control part of the bill. That case if before the SCOTUS now I believe.

                      - I hear there are a bunch of challenges to the use of subsidies that could be eventually struck down by SCOTUS and that would hurt the implementation of the plan to say the least.

                      So...

                      Your friends on the SCOTUS can still do a lot of damage to the law.

                      And...

                      ...Prices could skyrocket according to an article from the Hill.com cited by ThomM.

                      I doubt it but we'll have to see if this hope of your friends ever materializes.

                      And...

                      ... Your friends could win The WH, The House & The Senate in 2016 and then repeal the law.



                      Is your main opposition to the law is the mandate? ... and if so, ...

                      ... I find it odd how the people who most rail against the small-time so-called freeloaders in our society, ... (like food stamp recipients, the long term unemployed, medicaid people, people who pay no federal taxes etc.)

                      ...are most likely to hate the individual mandate which is basically an anti-freeloader provision of the law.



                      Note: The CBO predicts about 6 million people will pay the anti-freeloader penalty starting in 2015.

                      If the anti-freeloader provision is not one of your sticking points versus the law please correct me.
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                      • Profile picture of the author seasoned
                        Originally Posted by TLTheLiberator View Post

                        ... Your friends could win The WH, The House & The Senate in 2016 and then repeal the law.

                        I think your main opposition to the law is the mandate and if so, ...

                        ... I find it odd how the people who most rail against the small-time so-called freeloaders in our society, ... (like food stamp recipients, the long term unemployed, medicaid people, people who pay no federal taxes etc.)

                        ...are most likely to hate the individual mandate which is basically an anti-freeloader provision of the law.

                        Note: The CBO predicts about 6 million people will pay the anti-freeloader penalty starting in 2015.

                        If the anti-freeloader provision is not one of your sticking points verses the law please correct me.
                        GIVE ME A BREAK! The freeloaders are NOT small time! I have heard of MANY getting over $30K a year, with NO WORK EVER! One person figured how a person could get close to $70K a YEAR!

                        The "individual mandate" IS NOT and NEVER HAS BEEN an "anti freeloader provision". For one, it affects NONE of the people I just discussed! NONE! The one and ONLY anti freeloader provision was "PRE EXISTING CONDITIONS". That meant EVERYONE needed to get insurance ASAP because they COULD, 5 minutes later, get hit by a bus. BTW people that make more have to pay more. For people making minimum wage, it won't seem like much.

                        And it comes with things like having to track your insurance. ALSO, they want EVERYTHING, which is a violation of HIPAA and MANY other laws, by the way, and has ALREADY led to ID theft!

                        Steve
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                  • Profile picture of the author seasoned
                    Originally Posted by TLTheLiberator View Post

                    As far as I'm concerned the purpose for the delays etc., is to help make the law work as best it can.
                    It is ILLEGAL! In fact, by the letter of the law itself, the whole thing should be scraped just for THAT! There was NO severability clause. Lawyers RIDICULED them for that. The AUTHORS said it was INTENTIONAL because every part had to be IMPLEMENTED as written! That ALSO meant they had to pass it by like 6/2013 at te LATEST since all had to implement by 1/1/2014. AGAIN, IN THE LAW.

                    How do we know what the rollout plan was?
                    The original plan WAS specified in the law.

                    Who says the law was to be implemented wholesale and not piece by piece?
                    Laws either dictate such things, or they are simply required by something else. The bulk of the law, for example, used insurance companies, so they had to be given a fair time to comply. As I said though, there IS a fall back. The single payer that supporters seem to so happily say isn't there. BO said a while back that the public wouldn't go for the option. This is obviously, to me at least, a way to improve acceptance(ALREADY PROVEN, since people are upset at losing insurance midstream, and BO spent SO many months PUSHING the concept), and later say, as they have so many times before, "Well, WE TRIED!".

                    With all the moving parts of the American health care system - who says letting everything loose at the same time would be best?
                    That could be read a lot of ways. SO many things have happened in the past year, YIKES! People have lost jobs, had hours cut, been laid off, etc.... because of stuff in the law. GEE, why didn't they make 1hr full time? I mean there is a kid across the street that waters my lawn every summer. If 1h were full time, I would have to pay for HER insurance!!!!!! And DAY workers from mexico? We can pay for THEM!

                    Do you SEE how silly that is? Frankly, I would take one of many options open to me to avoid having her here. By having her here, I simply don't have to change things, and she gets some welcome spending money! Don't worry about her though, she is a minor and so was always covered on her families insurance, and they are doing fine. Fro what I can see, NONE have problems.

                    OH, and there ARE machines that can harvest ACRES of crops! If workers get too expensive, those machines will start to look VERY attractive!

                    So reducing full time to 30 from 40 is ALSO not going to simply get those people covered. BESIDES, a LOT of rules tie into full time. Some aren't even government laws!

                    Steve
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              • Profile picture of the author TLTheLiberator
                Originally Posted by seasoned View Post

                It is an unwritten rule that you do NOT tell customers that you won't support them when you WILL. and will YOU tell the hosptals and doctors that told them they don't have insurance that they DO!?!!??

                The "final numbers" should be out in about 12 years. You want to sit back and wait?

                Even when they come back, look at where the money is coming from, medicare, taxpayers, federal reserve, treasury, years of prepayments, medicaid, insurance, reinsurance. And look at where the money is going to, medicare, unemployed, federal reserve, fraud, medicaid, insurance, reinsurance, "NAVIGATORS","ID THIEVES", and WHO KNOWS?

                With all the trillions being lost and unaccounted for, and money going all over the place, and all the lies, etc.... WHO could say HOW much was gained or lost? The "navigators", FRAUD, and other "id thieves" will NEVER be fully accounted for.

                Steve

                Are you saying it will take 12 years to determine if more or less people have health insurance due to the ACA?

                If so, that's ridiculous.
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                • Profile picture of the author Claude Whitacre
                  I signed up yesterday for the ACA. Maybe 10 minutes to sign up. It couldn't have been easier.

                  $1,000 annual deductible for $375 a month. And I'm a 59 year old man. A year ago, this would have cost me about twice as much (I actually looked into it. This isn't a guess).

                  The premium includes dental, but the dental is not complete coverage.

                  A year from now, we'll all be used to this, and politicians will all be saying that it was their idea.

                  The website worked like greased lightning. And anyone can understand how to apply. The plan hit its enrollment goals. This is now the way it is.

                  Of course, this isn't going to stop the bickering. But at least, now we'll be bickering about the past.
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                  • Profile picture of the author garyv
                    Originally Posted by Claude Whitacre View Post


                    A year from now, we'll all be used to this, and politicians will all be saying that it was their idea.
                    A year from now politicians will be licking their wounds, wondering why they didn't learn their lesson from 2010.
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                    • Profile picture of the author Claude Whitacre
                      Originally Posted by garyv View Post

                      A year from now politicians will be licking their wounds, wondering why they didn't learn their lesson from 2010.
                      You are assuming that people learn lessons. My experience is different.
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                      • Profile picture of the author garyv
                        Originally Posted by Claude Whitacre View Post

                        You are assuming that people learn lessons. My experience is different.

                        No - the licking of the wounds statement assumes that they don't and haven't learned their lesson.
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                    • Profile picture of the author TimPhelan
                      Originally Posted by garyv View Post

                      A year from now politicians will be licking their wounds, wondering why they didn't learn their lesson from 2010.
                      What lesson would that be? Getting out to vote in a non Presidential election year?
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                      • Profile picture of the author garyv
                        Originally Posted by TimPhelan View Post

                        What lesson would that be? Getting out to vote in a non Presidential election year?
                        That may be exactly it. But a huge defeat for Obamacare supporters is going to be an albatross for Obamacare. It's definitely the law of the land, but could become a sore spot for either side. Time will tell.
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                • Profile picture of the author seasoned
                  Originally Posted by TLTheLiberator View Post

                  Are you saying it will take 12 years to determine if more or less people have health insurance due to the ACA?

                  If so, that's ridiculous.
                  YEP!!!!!!!! OK, OK! It passed YEARS ago and people said "SEE? SEE??? NO CRASH! NO complaints! Etc...." DUMB!!!!!!!!! It didn't "start" until 1/1/2014! OK, people like YOU are now saying SEE? SEE? SUCCESS!!!!!!! But you know NOTHING about it, but it has been delayed or kept from UNIONS and many others. It hasn't affected ****MY**** insurance yet. I believe it will take about 2 years for THIS to fall into place! 2 years, ****OR MORE**** to be started as people NOW view it. It is destined to NEVER fully run as promised.

                  OK, you say, that is 2 years. THEN WHAT!?!?!? Why a DECADE more? It will have audits every 5 years(It WAS to start 1/1/2019, but the delays may delay that!), and I suspect they will ALL go bankrupt by the second audit. As I keep saying, THERE is the single payer.

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            • Profile picture of the author ronrule
              Originally Posted by TLTheLiberator View Post

              Or how you decided to not count the Medicaid-expansion people in your count?
              I answered that already - because we included those on Medicaid among the "40 million households uninsured" before the ACA existed. Now all of a sudden we're counting Medicaid participants as "insured" and crediting the ACA. That doesn't seem very fair... if we had counted them before, then there wouldn't have been "40 million uninsured".

              And I'm sure you also understand that all 7 million of those people who received cancellation letters have not in fact actually lost their insurance.

              I bet at least 75% of them still have insurance.
              That's the thing though, it's just a bet. I would bet that 75% of the ACA signups were people who already had insurance and switched - either because it was cheaper due to the new subsidies, or because their plan was canceled.

              Why do I have the feeling that when the final numbers do come out you'll be one of the folks disputing the numbers with the "books are cooked" excuse?

              But we'll see.
              Because the evidence suggests they are. First, they're counting people who completed the enrollment but haven't paid yet. That's like counting an email subscriber as a customer even though they haven't bought anything. Second, they're crediting the ACA for a Medicaid expansion which is disingenuous at best. Third, they're crediting the ACA for "eliminating double billings from medical providers" but neglect to mention that those same double-billings would have been discovered and eliminated anyway by the private insurance companies (trust me, they watch for stuff like that like hawks).

              So yeah, I probably will dispute the numbers when they come out - because the government has already demonstrated they're willing to manipulate them. We'd be idiots to think that magically stopped.

              We also haven't seen any reports on what percentage of ACA applicants are healthy. The administration has said on several occasions that this only works if young people sign up ... yet all we hear about are the sob stories of people who couldn't get insurance before and now they can. Where are the stories about people who are 22 years old and said "You know, I'm pretty healthy and money isn't a problem, I just never saw the need to pay for health insurance before. But screw it, I decided to sign up because of the ACA". Do those people exist? Maybe. Maybe not. But we don't really know. What we DO know is that the system won't work without them. You would think the administration would be making examples out of these people if they existed, because based on their own admission, we NEED those people.
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              • Profile picture of the author TimPhelan
                Originally Posted by ronrule View Post

                I answered that already - because we included those on Medicaid among the "40 million households uninsured" before the ACA existed. Now all of a sudden we're counting Medicaid participants as "insured" and crediting the ACA. That doesn't seem very fair... if we had counted them before, then there wouldn't have been "40 million uninsured".
                This doesn't seem very accurate to me Ron. I'm not sure where you are getting this info from but if there are about 50 million on medicaid, then how can they have been included in the 40 million who are uninsured? Doesn't really make sense.

                Also, even if they were counted as uninsured then, the fact is that the ACA lowered income elligibility requirements that will enable tens of millions more to be covered. The CBO estimates 17 million more will be covered because of the expansion. Discounting these is disingenuous. These are real people who will be newly covered.
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                • Profile picture of the author ronrule
                  Originally Posted by TimPhelan View Post

                  This doesn't seem very accurate to me Ron. I'm not sure where you are getting this info from but if there are about 50 million on medicaid, then how can they have been included in the 40 million who are uninsured? Doesn't really make sense.
                  I was hoping someone would catch that, because it's a great example of how government math works.

                  The 40 million figure comes from a 2007 census (it's actually 45.7 million if you want to be technical) - however that's "households" not "people". If I had been uninsured at the time of the 2007 census, I would have been a +1 in that number, whether I was enrolled in Medicaid or not.

                  But let's say I was enrolled in Medicaid ... that wouldn't just be me, that would also have been my wife and 3 kids. So that's FIVE people on Medicaid, but only +1 toward the 45.7 million uninsured.

                  That's how the Medicaid number is higher.

                  So in reality, the "45.7 million uninsured" does include those who are covered by Medicaid. But here's the other problem ... roughly 40% of that 45.7 million were between the ages of 19 and 29, which as we know is the age range where people most commonly make a conscious decision not to purchase health insurance, even when they can afford it.

                  What we don't know was how many of that 40% DID want insurance and couldn't afford it. I'm sure it was some percentage. But I'm also sure some percentage just didn't see the need to pay for it. Either way, whatever their reason, they were counted as uninsured in that figure.

                  So the reality of the 45.7 million figure is two-fold... on one hand, had it represented actual human beings and not just households, the number was likely HIGHER than 45.7 million - perhaps as much as TWICE as high. But, as you said, there were at least 50 million within that number that WERE covered by Medicaid. And as many as 40% of that number were young people who were voluntarily uninsured, just like I was until my first kid was born. We know it's not the entire 40%, but we know it's not 0% either.

                  There's also one more unknown factor... the intelligence level of the person filling out the census. This one is a total wildcard, because while the census question specifically pertained to health insurance, some people who were covered by Medicaid or other state-run insurance (like Tenncare in Tennessee) may have incorrectly answered "yes" thinking that their government coverage meant they had health insurance. So those people, who actually WERE uninsured, weren't counted in the 45.7 million figure.

                  So what's the real number of "uninsured Americans" who wanted insurance and didn't qualify for Medicaid? Sadly, nobody can answer that. We can speculate based on regional income levels and stuff, but there are so many wildcards we really can't even get close. What we do know is that it was less than 45.7 million.

                  Also, even if they were counted as uninsured then, the fact is that the ACA lowered income elligibility requirements that will enable tens of millions more to be covered. The CBO estimates 17 million more will be covered because of the expansion. Discounting these is disingenuous. These are real people who will be newly covered.
                  Here's a question though... it's been 7 years since that census we've based the 40 million claims on. That means anyone who was between the ages of 11 and 17 at the time wouldn't have "existed" as someone eligible to start paying for insurance and be counted. But now they can. Has the CBO taken that factor into account?

                  Based on the fact that the CBO's own study revealed that there were 53 million uninsured (human beings, not households) as of last year, and the ACA will leave 30 million of them uninsured, my guess would be no. We're literally right back where we started.

                  Government Study Finds Obama Care Leaves Thirty Million Uninsured - Forbes
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                  • Profile picture of the author TimPhelan
                    Ron, the 40 million figure is for individuals not households. There are only 114 million households in the US and we know that the total amount of uninsured people is around 15%. If the 40 million figure was households, the figure of uninsured individuals would be closer to 110 million people. Also, the uninsured are tracked every year by different means, not just by the latest census.

                    From every thing I have found medicaid is not counted amoung the uninsured. Here's one example:



                    That study by Kaiser comes up with a 48 million figure of people, not households, for 2011 and they clearly separate those covered by medicaid and the uninsured.

                    Again, by lowering the income requirements and providing ways to fund the expansion millions more will get covered due to the ACA. I don't see how you can dispute that.

                    Originally Posted by ronrule View Post

                    I was hoping someone would catch that, because it's a great example of how government math works.

                    The 40 million figure comes from a 2007 census (it's actually 45.7 million if you want to be technical) - however that's "households" not "people". If I had been uninsured at the time of the 2007 census, I would have been a +1 in that number, whether I was enrolled in Medicaid or not.

                    But let's say I was enrolled in Medicaid ... that wouldn't just be me, that would also have been my wife and 3 kids. So that's FIVE people on Medicaid, but only +1 toward the 45.7 million uninsured.

                    That's how the Medicaid number is higher.

                    So in reality, the "45.7 million uninsured" does include those who are covered by Medicaid. But here's the other problem ... roughly 40% of that 45.7 million were between the ages of 19 and 29, which as we know is the age range where people most commonly make a conscious decision not to purchase health insurance, even when they can afford it.

                    What we don't know was how many of that 40% DID want insurance and couldn't afford it. I'm sure it was some percentage. But I'm also sure some percentage just didn't see the need to pay for it. Either way, whatever their reason, they were counted as uninsured in that figure.

                    So the reality of the 45.7 million figure is two-fold... on one hand, had it represented actual human beings and not just households, the number was likely HIGHER than 45.7 million - perhaps as much as TWICE as high. But, as you said, there were at least 50 million within that number that WERE covered by Medicaid. And as many as 40% of that number were young people who were voluntarily uninsured, just like I was until my first kid was born. We know it's not the entire 40%, but we know it's not 0% either.

                    There's also one more unknown factor... the intelligence level of the person filling out the census. This one is a total wildcard, because while the census question specifically pertained to health insurance, some people who were covered by Medicaid or other state-run insurance (like Tenncare in Tennessee) may have incorrectly answered "yes" thinking that their government coverage meant they had health insurance. So those people, who actually WERE uninsured, weren't counted in the 45.7 million figure.

                    So what's the real number of "uninsured Americans" who wanted insurance and didn't qualify for Medicaid? Sadly, nobody can answer that. We can speculate based on regional income levels and stuff, but there are so many wildcards we really can't even get close. What we do know is that it was less than 45.7 million.



                    Here's a question though... it's been 7 years since that census we've based the 40 million claims on. That means anyone who was between the ages of 11 and 17 at the time wouldn't have "existed" as someone eligible to start paying for insurance and be counted. But now they can. Has the CBO taken that factor into account?

                    Based on the fact that the CBO's own study revealed that there were 53 million uninsured (human beings, not households) as of last year, and the ACA will leave 30 million of them uninsured, my guess would be no. We're literally right back where we started.

                    Government Study Finds Obama Care Leaves Thirty Million Uninsured - Forbes
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              • Profile picture of the author seasoned
                Originally Posted by ronrule View Post

                I answered that already - because we included those on Medicaid among the "40 million households uninsured" before the ACA existed. Now all of a sudden we're counting Medicaid participants as "insured" and crediting the ACA. That doesn't seem very fair... if we had counted them before, then there wouldn't have been "40 million uninsured".
                The reason why I never mentioned this is, because as I had said before, they relaxed the restrictions to allow more people in medicaid/medicare. So some ACA people DO end up in the medicaid/medicare.

                That's the thing though, it's just a bet. I would bet that 75% of the ACA signups were people who already had insurance and switched - either because it was cheaper due to the new subsidies, or because their plan was canceled.
                EXACTLY! ALSO, the AREA covered, WHAT is covered, and the percentage covered is NOT that great for ACA.

                Because the evidence suggests they are. First, they're counting people who completed the enrollment but haven't paid yet. That's like counting an email subscriber as a customer even though they haven't bought anything. Second, they're crediting the ACA for a Medicaid expansion which is disingenuous at best. Third, they're crediting the ACA for "eliminating double billings from medical providers" but neglect to mention that those same double-billings would have been discovered and eliminated anyway by the private insurance companies (trust me, they watch for stuff like that like hawks).
                EXACTLY!

                So yeah, I probably will dispute the numbers when they come out - because the government has already demonstrated they're willing to manipulate them. We'd be idiots to think that magically stopped.
                YEP!

                We also haven't seen any reports on what percentage of ACA applicants are healthy. The administration has said on several occasions that this only works if young people sign up ... yet all we hear about are the sob stories of people who couldn't get insurance before and now they can. Where are the stories about people who are 22 years old and said "You know, I'm pretty healthy and money isn't a problem, I just never saw the need to pay for health insurance before. But screw it, I decided to sign up because of the ACA". Do those people exist? Maybe. Maybe not. But we don't really know. What we DO know is that the system won't work without them. You would think the administration would be making examples out of these people if they existed, because based on their own admission, we NEED those people.
                ANOTHER consideration, ESPECIALLY since more younger people have to pay *****NOTHING***** since they are covered by parents policies, unemployed, or poor.
                It is NOT enough to merely insure young people, there has to be a HUGE profit margin! They want young people that are HEALTHY! WHY? Because they can keep almost all they PAY as PROFIT! That may sound greedy, but the OLD people will take more than they give, and that EATS profit.

                Steve
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              • Profile picture of the author TLTheLiberator
                Originally Posted by ronrule View Post

                I answered that already - because we included those on Medicaid among the "40 million households uninsured" before the ACA existed.

                Now all of a sudden we're counting Medicaid participants as "insured" and crediting the ACA.

                That doesn't seem very fair... if we had counted them before, then there wouldn't have been "40 million uninsured".



                That's the thing though, it's just a bet. I would bet that 75% of the ACA signups were people who already had insurance and switched - either because it was cheaper due to the new subsidies, or because their plan was canceled.



                Because the evidence suggests they are. First, they're counting people who completed the enrollment but haven't paid yet. That's like counting an email subscriber as a customer even though they haven't bought anything.

                Second, they're crediting the ACA for a Medicaid expansion which is disingenuous at best.

                Third, they're crediting the ACA for "eliminating double billings from medical providers" but neglect to mention that those same double-billings would have been discovered and eliminated anyway by the private insurance companies (trust me, they watch for stuff like that like hawks).

                So yeah, I probably will dispute the numbers when they come out - because the government has already demonstrated they're willing to manipulate them. We'd be idiots to think that magically stopped.

                We also haven't seen any reports on what percentage of ACA applicants are healthy. The administration has said on several occasions that this only works if young people sign up ... yet all we hear about are the sob stories of people who couldn't get insurance before and now they can.

                Where are the stories about people who are 22 years old and said "You know, I'm pretty healthy and money isn't a problem, I just never saw the need to pay for health insurance before.

                But screw it, I decided to sign up because of the ACA".

                Do those people exist? Maybe.

                Maybe not. But we don't really know.

                What we DO know is that the system won't work without them.

                You would think the administration would be making examples out of these people if they existed, because based on their own admission, we NEED those people.

                I hear signups by the young and healthy are close to 30% and maybe higher brought on by a late surge of signups.




                The ACA is responsible for more people losing their insurance than new people signing up:

                True Or False?




                #1:

                ...you have only one number to work with and that 7 million is now disputed by me and others. But I'll even give that number to you. But we should be able to agree that at least half of them still have some insurance.

                #2: Can we agree that at least half of them have not lost their insurance?

                If so, that would mean 3.5 million people have lost their insurance thanks the the ACA.

                I don't believe the # is that high and Rand says it's less than 1 million but its not a big deal.


                Here are the other numbers involved:

                - Sub26ers: 2-3 million youngsters have insurance now who did not have it before by getting on their parents plans thanks to the ACA.


                - 7 Million folks signed up via the exchanges and I'll allow that about only 1/3 did not have insurance before.

                That would bring that number down to 2.4 million newly insured and I will stipulate that only 80% of them have paid to date which now brings that number down to 1.9 million - since you mentioned the non-payers.

                - Medicaid-Expansion Folks: Let's not forget the group of poor people who signed up who did not have insurance before.

                That would be at least 5 million folks who now have insurance that did not have it before - thanks to the ACA.

                I believe you had a big misunderstanding regarding the Medicaid-Expansion so here's more info about the expansion and why its called expansion but basically the ACA lowered the threshold of exactly who was eligible for the expansion of medicaid.

                ObamaCare Medicaid Expansion

                So far we have...

                - Exchange folks final total = 1.9 million

                - Youngsters (Sub26ers) = 2 million (I'll stay on the low side)

                - Medicaid-Expansion Folks = 5 million


                That's a total of 9 million newly insured and then we'll subtract that 3.5 million that allegedly lost their insurance.

                That leaves 6.5 million over and above the number that allegedly lost their insurance.

                In any event, if you allow that the half of the alleged 7 million people that received cancellation notices did not actually lose their insurance - its not even close.

                If you count all 7 million who allegedly lost their insurance, it's close but no cigar.

                But guess what?

                There's a whole new group of folks not many people really knew about until now.

                There's a whole bunch of folks that signed up with insurance companies but not via the exchanges that did not have insurance before but do now.

                That number is estimated at as many as 9 million!

                I'll settle for only a 3rd of that.

                Rand says the vast majority of them were uninsured.

                Obamacare has led to health coverage for millions more people - latimes.com


                You also said this...

                "Third, they're crediting the ACA for "eliminating double billings from medical providers" but neglect to mention that those same double-billings would have been discovered and eliminated anyway by the private insurance companies (trust me, they watch for stuff like that like hawks)."

                I say...

                The ACA should receive credit for stopping Medicare overpayments to Drs and hospitals to the tune of 70 billion per year.

                For whatever the reason, that 70 bill per year would have continued to be paid if had not been for the ACA.

                I think you have that fact mixed up with some sort of double billing by insurance companies.


                FYI...

                Its highly possible states refusing medicare-expansion will be responsible for more deaths each year than guns.

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                • Profile picture of the author TimPhelan
                  Originally Posted by TLTheLiberator View Post

                  Its highly possible states refusing medicare-expansion will be responsible for more deaths each year than guns.
                  Where's the outrage over this? Instead of people getting upset about the website not running up to speed at the beginning or how the numbers are not out quick enough or why parts of the bill are being delayed, how about the states who are refusing to expand medicaid simply for political reasons? Millions won't be covered simply to make a political point that is stupid. Yes, people will die because of this. That's no exageration. These people should be ashamed of themselves and kicked out of office. It's disgusting really.
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                  • Profile picture of the author Kay King
                    Where's the outrage over this?
                    It's MedicAid not Medicare. It's a prediction made by the those people who are angry at the states that didn't go with the program. No point in being outraged over what "might" happen because some states are taking steps to protect their citizens without the Federal expansion.

                    Two states to watch are Michgan and Wisconsin - different approaches so we'll see what works best.

                    Michigan and Wisconsin highlight divide on Medicaid expansion
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                    • Profile picture of the author TLTheLiberator
                      Originally Posted by Kay King View Post

                      It's MedicAid not Medicare. It's a prediction made by the those people who are angry at the states that didn't go with the program. No point in being outraged over what "might" happen because some states are taking steps to protect their citizens without the Federal expansion.

                      Two states to watch are Michgan and Wisconsin - different approaches so we'll see what works best.

                      Michigan and Wisconsin highlight divide on Medicaid expansion

                      Sounds like a couple of interesting approaches but the vast majority of states that have already refused the medicaid-expansion won't do anything and will also waste their taxpayer's funds because they're still paying for the ACA but they won't be getting much in return.

                      It's horrible economics.

                      States losing billions in refusing to expand Medicaid, report finds - NBC News

                      Obamacare Cutbacks Shut Hospitals Where Medicaid Went Unexpanded - Bloomberg


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                      • Profile picture of the author seasoned
                        Originally Posted by TLTheLiberator View Post

                        Sounds like a couple of interesting approaches but the vast majority of states that have already refused the medicaid-expansion won't do anything and will also waste their taxpayer's funds because they're still paying for the ACA but they won't be getting much in return.

                        It's bad economics.

                        States losing billions in refusing to expand Medicaid, report finds - NBC News

                        Obamacare Cutbacks Shut Hospitals Where Medicaid Went Unexpanded - Bloomberg



                        Can I ask you a little question? If the federal plans are SO great, and the federal government is SO perfect, and this plan is SO perfect, ******WHY****** does it rely on the states?

                        OK, FOLLOW UP question! If this is revenue nuetral, or a money maker, ******WHY****** would the states not comply? Of course, WHY and HOW would they pay if there is nothing to pay?

                        Steve
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                        • Profile picture of the author TLTheLiberator
                          Originally Posted by seasoned View Post

                          Can I ask you a little question? If the federal plans are SO great, and the federal government is SO perfect, and this plan is SO perfect, ******WHY****** does it rely on the states?

                          OK, FOLLOW UP question! If this is revenue nuetral, or a money maker, ******WHY****** would the states not comply? Of course, WHY and HOW would they pay if there is nothing to pay?

                          Steve
                          I'll ignore your first question but I'll answer your second question.

                          They don't want to sign on for political reasons and its going to cost the taxpayers of their states.

                          Here's a Gov who felt he had to do the right thing for the taxpayers of Ohio.

                          http://www.realclearpolitics.com/vid...d_in_ohio.html

                          In video form...

                          https://www.youtube.com/watch?v=Zv9GY41umws
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                          • Profile picture of the author seasoned
                            Originally Posted by TLTheLiberator View Post

                            I'll ignore your first question but I'll answer your second question.
                            Nice way to avoid the question. I almost wish it was all I asked!

                            They don't want to sign on for political reasons and its going to cost their state taxpayers.

                            Here's a Gov who felt he had to do the right thing.

                            Gov. John Kasich Explains Why He Expanded Medicaid In Ohio | Video | RealClearPolitics

                            In video form...

                            https://www.youtube.com/watch?v=Zv9GY41umws
                            Revenue neutral things don't cost, so the answer is it was yet ANOTHER lie! Thanks!

                            TIM once asked me if I read what *I* put up. I now wonder the same about you!

                            I had a chance to bring home to Ohio, like a number of other governors -- including Jan Brewer -- a chance to bring Ohio money back to Ohio to do some things that frankly needed to be done. And that's to treat the mentally ill, to get them across the bridge so they can get employment. The same for the drug addicted and you know drug addiction is in every demographic, every income, every community. To it treat those people, rehab them, and get them to work. And also to make sure the working poor have a system that makes sense, instead of showing up and getting their healthcare and getting all their healthcare in emergency rooms.

                            Now, that being said, I have never been a supporter of Obamacare. The reason, and to give you an example, we refused to run a state exchange because we didn't have the authority to make decisions. On our Medicaid program it grows by less than 3% and it's been filled with innovation and that's because we run it.


                            Yeah, well, you know very well, Laura, that if i don't bring Ohio money back they are not going to put it in a piggy bank. And I think that it's critical that they are able to help people to help themselves get them to work. Now, we promised the mentally ill when we took them out of the big institutions that they would get help. Where are they now? We have ten thousand in our prisons, many in the jails and many on the streets. Conservatism means that you help people so they can help themselves and that they can enter into the economic strength of our country. Now you have to separate that from the fact that the government was designing the program to take over our whole healthcare system in the back rooms of. Capitol Hill. I don't support, but there is a big distinction between Medicaid and our ability to bring our money back to fix our problems as opposed to the a government takeover of the healthcare system. I think it's not fair to draw a distinction between the two.
                            He said the above! Basically he said that he had a lot of mentally ill people that they promised to help, and haven't done a good job with and they did this to bring back money ohioans have paid in and otherwise would never see.

                            so it is like a thief that steals $10,000 from you and asks you to add books to the library, that you wanted to, and he would pay you $9,000. You might do it to get back some of what was stolen.

                            STILL, you were forced, and they stole $1000 from you!

                            Steve
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                            • Profile picture of the author TLTheLiberator
                              Originally Posted by seasoned View Post

                              Nice way to avoid the question. I almost wish it was all I asked!



                              Revenue neutral things don't cost, so the answer is it was yet ANOTHER lie! Thanks!

                              TIM once asked me if I read what *I* put up. I now wonder the same about you!



                              He said the above! Basically he said that he had a lot of mentally ill people that they promised to help, and haven't done a good job with and they did this to bring back money ohioans have paid in and otherwise would never see.

                              so it is like a thief that steals $10,000 from you and asks you to add books to the library, that you wanted to, and he would pay you $9,000. You might do it to get back some of what was stolen.

                              STILL, you were forced, and they stole $1000 from you!

                              Steve
                              Sir, you are entitled.
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                              • Profile picture of the author seasoned
                                Originally Posted by TLTheLiberator View Post

                                Sir, you are entitled.
                                So when do I get my free phone!?!?!?!?

                                Steve
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                                • Profile picture of the author TLTheLiberator
                                  Originally Posted by seasoned View Post

                                  So when do I get my free phone!?!?!?!?

                                  Steve
                                  Maybe when you stop carrying water for people like the Koch brothers and wall street.
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                                  • Profile picture of the author Kay King
                                    "carrying water for..."

                                    pot meet kettle...and here are two more talking points...:p
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                                    • Profile picture of the author TLTheLiberator
                                      Originally Posted by Kay King View Post

                                      "carrying water for..."

                                      pot meet kettle...and here are two more talking points...:p
                                      And I've already told you what side of American history you're on - you and your friends alike.

                                      I'll just cut and paste it from earlier in this thread...

                                      I going to dare and say you and your friends are on the wrong side of American history - again.

                                      There, I said it.

                                      I going to dare and say you and your friends are on the wrong side of American history - again.

                                      I said it again.

                                      You're about as wrong as an American 3 dollar bill.

                                      For example...

                                      If these were the days of the Revolution,...

                                      ... you and your friends would be tories - that is those opposed to and working to prevent the breaking away from England.

                                      - During the war of 1812, you and your friends would have been acting like a fifth column operating against the young American nation.

                                      - You and your friends are so out of step with American history that,...

                                      ...during the civil war you folks would have fought on the side of the south - even though you were born and raised in the north.

                                      - During the great depression you would have been with the folks fighting FDR tooth and nail - during the depression.

                                      - After WW2 you and your like minded friends would have opposed the GI bill and all the other programs and attitudes that propelled the people of the U.S. into the first middle class and most prosperous nation in history.

                                      - You would have been against civil rights in the 1960s - because you believe more in states rights.

                                      - You folks would have been against the 2009 stimulus that prevented the country from falling off an already steep economic cliff into another great depression.

                                      - The pattern continues as you're fighting tooth and nail another POTUS elected to clean up an economic mess not seen since the great depression.


                                      No one's saying you and your friends aren't sincere - just way out of step with American history while offering a economic philosophy that couldn't possibly get us out of this mess - to boot.



                                      But I'll also say this...


                                      ... Most of the leaders of your movement (like the Koch Brothers) know exactly what they're doing and they have at least two major goals for the nation in mind.

                                      #1: Neuter the feds so that no one can ever stop their raping and pillaging of the economy, the environment and the American people.

                                      #2: Keep the present day U.S. tax structure in place.


                                      BTW...

                                      Here's an opt-ed from your leader.

                                      Read it, relish it, print it and put it under your pillow tonight.

                                      Charles Koch: I'm Fighting to Restore a Free Society:

                                      Instead of welcoming free debate, collectivists engage in character assassination:

                                      http://online.wsj.com/articles/SB100...75860515021286
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                                      • Profile picture of the author ThomM
                                        So Tl how's George Soros doing?
                                        George Soros: “I admit that I have always harbored an exaggerated view of my self-importance—to put it bluntly, I fancied myself as some kind of god”
                                        As for your little petty rant. "you sir are entitled".
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                                      • Profile picture of the author seasoned
                                        Originally Posted by TLTheLiberator View Post

                                        And I've already told you what side of American history you're on - you and all those who think like you.
                                        YEAH, we know, so what?

                                        My allusion to a "talking point" was simply in response to the "you're entiitled". I mean if I am so entitled..... I just couldn't resist. SORRY. Talking point or no, it is REAL. I heard it on VARIOUS news programs(In several contexts), saw the ads, and even went to websites and acted like a customer!

                                        Ones like:

                                        https://qlinkwireless.com/register/?...Fc9AMgod3hgAcw

                                        It is generally tied to SNAP, which is one of several food programs for the poor. So it IS legit.

                                        BTW the government does things to frustrate cellular and raise costs for all ALSO! And even the RICH, until relatively recently, didn't get some things the poor now get for FREE. How many people did you now that had a satellite phone in the 80s? HECK, I didn't even get a cell phone until the late 90s. The price was too high, etc... Smart phones have only been around for say a decade. So the government could have made it cheaper for all, and it was relatively expensive and rare for others.

                                        Steve
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                                      • Profile picture of the author seasoned
                                        Originally Posted by TLTheLiberator View Post

                                        And I've already told you what side of American history you're on - you and your friends alike.
                                        PROPAGANDA!

                                        ... you and your friends would be tories - that is those opposed to and working to prevent the breaking away from England.

                                        - During the war of 1812, you and your friends would have been acting like a fifth column operating against the young American nation.
                                        NOPE! I would have been with the US. What do you think we have been arguing about? YOU said you wanted us to be like canada and the UK!

                                        Do YOU know the nation made by 1812? Here's a hint! They recently advertised a coin set commemorating it! I mentioned that earlier elsewhere. And YEP, they FOUGHT with the british. GIVE UP? It was CANADA!

                                        HEY, you can buy them YOURSELF: Laura Secord | Royal Canadian Mint

                                        - You and your friends are so out of step with American history that,...

                                        ...during the civil war you folks would have fought on the side of the south - even though you were born and raised in the north.
                                        NOPE, NORTH! You YOURSELF showed the platforms a while back! We were ALSO be against jim crow.

                                        - After WW2 you and your like minded friends would have opposed the GI bill and all the other programs and attitudes that propelled the people of the U.S. into the first middle class and most prosperous nation in history.
                                        Would have been FOR much of that! ICSM....

                                        - You would have been against civil rights in the 1960s - because you believe in states rights.
                                        I think many on my side would have been for most of that. With me, it depends. Things start to split for me. HEY, I am only being honest.

                                        - You folks would have been against the 2009 stimulus that prevented the country from falling off an already steep economic cliff into another great depression
                                        WHAT stimulus? That is being debated a LOT EVEN NOW!

                                        No one's saying you and your friends aren't sincere - just way out of step with American history while offering a economic philosophy that couldn't possibly get us out of this mess - to boot.
                                        YOU ARE, and you DID HERE!

                                        But I'll also say this...


                                        ... Most of the leaders of your movement (like the Koch Brothers) know exactly what they're doing and they have at least two major goals for the nation in mind.
                                        HEY, they don't lead the movement, but I guess I would never convince YOU!

                                        #1: Neuter the feds so that no one can ever stop their raping and pillaging of the economy, the environment and the American people.
                                        Maybe you should look at all the raping and pillaging that the government is doing.

                                        #2: Keep the present day U.S. tax structure in place.
                                        FRANKLY, I think we should get rid of the federal reserve and all the attendant taxes. The country ran for almost 200 years with practically NO citizen taxes!


                                        I only read part and scanned the rest, but it seems he is right.

                                        BTW you DO know WHO was president and commander and chief in the civil war, RIGHT?

                                        Steve
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                                      • Profile picture of the author SteveJohnson
                                        Originally Posted by TLTheLiberator View Post

                                        And I've already told you what side of American history you're on - you and your friends alike.

                                        I'll just cut and paste it from earlier in this thread...

                                        I going to dare and say you and your friends are on the wrong side of American history - again.

                                        There, I said it.

                                        I going to dare and say you and your friends are on the wrong side of American history - again.

                                        BLAH BLAH BLAH
                                        All that crap is just way over the top - some people are opposed to governmental takeover of a substantial chunk of the U.S. economy and it just grates on you that we don't agree. So much so that you resort to insults and deliberate distortion.

                                        A couple of examples of 'our friends' being 'on the wrong side of history':

                                        More of 'our friends' voted for the Civil Rights Act than yours did.

                                        The G.I. Bill was authored by one of 'our friends':
                                        Harry W. Colmery, a former national commander of the American Legion and former Republican National Chairman, is credited for writing the first draft of the G.I. Bill.
                                        You like the ACA not because it attempts to solve the problem of the rising costs of health care in the U.S., but because it socializes healthcare to a degree and is a step toward a single-payer system, and a step toward full nationalization of health care, which is your and your friends' ultimate goal.

                                        Why can't you just stick to the topic at hand and discuss it instead of throwing insults around like rice at a wedding?
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                  • Profile picture of the author seasoned
                    Originally Posted by TimPhelan View Post

                    Where's the outrage over this? Instead of people getting upset about the website not running up to speed at the beginning or how the numbers are not out quick enough or why parts of the bill are being delayed, how about the states who are refusing to expand medicaid simply for political reasons? Millions won't be covered simply to make a political point that is stupid. Yes, people will die because of this. That's no exageration. These people should be ashamed of themselves and kicked out of office. It's disgusting really.
                    The outrage was NEVER over the website not running *****AT ALL***** or numbers. Saying that it is is like saying that a guy that put the wrong fuel in a car, drove it at 200MPH down a mountain hill(when its maximum rated speed is 130), drank hot coffee in the car, texted, and totalled a rolls royce and put a family into critical condition in the hospital, left the stove on at home.

                    MY GOD, WHAT does it take? HUNDREDS of millions of dollars, and YEARS of work, and NOTHING WORKED? SECURITY was HORRIBLE, some parts were obviously from some cheap third party template, and not even the FRONT END worked! Last I heard, the back end STILL didn't work.

                    NOPE, the website and ****new coverage**** are just metrics.

                    HEY, if YOU had someone working on a project for years would YOU never ask for benchmarks? Would YOU never look? Given what we had, would YOU just say "Oh well, we tried"? SERIOUSLY, WOULD YOU? WHY should the average US citizen believe you would? WHY should they expect less?

                    Steve
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                  • Profile picture of the author TLTheLiberator
                    Originally Posted by TimPhelan View Post

                    Where's the outrage over this?

                    Instead of people getting upset about the website not running up to speed at the beginning or how the numbers are not out quick enough or why parts of the bill are being delayed,

                    ...how about the states who are refusing to expand medicaid simply for political reasons?

                    Millions won't be covered simply to make a political point that is stupid.

                    Yes, people will die because of this.

                    That's no exaggeration.

                    These people should be ashamed of themselves and kicked out of office. It's disgusting really.

                    Tim, this is what they rather spend their time getting outraged over...

                    To recap, they were angry the law passed,...

                    ... then they were angry that all their repeal efforts didn't pass,

                    ...then they were angry that they lost their Obamacare referendum in 2012,...

                    ...then they were angry at the broken website that made signing up under the law impossible, ...

                    ...then they were angry when the website was fixed,...

                    ... then they were angry at the low number of enrollees because they could fit in a football stadium, ...

                    ...then they were angry at the huge numbers of enrollees who would no longer fit in all the football stadiums, ...

                    ...and now they're angry that some enrollees might not be paying, ...

                    ...and just watch, they'll soon be angry when it turns out almost everyone has paid.


                    And don't forget Bengazi.


                    Tim, we now have the Obamacare Truthers to go along with all the other truthers in the society.
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                    • Profile picture of the author seasoned
                      Originally Posted by TLTheLiberator View Post

                      Tim, this is what they rather spend their time getting outraged over...

                      To recap, they were angry the law passed,...
                      NOPE! Angry at HOW it passed, and what it was!

                      ... then they were angry that all their repeal efforts didn't pass,
                      Related.

                      ...then they were angry that they lost their Obamacare referendum in 2012,...
                      Continuation of same, but the odd part is that it succeeded! It IS unconstitutional! But the judges accepted the secondary argument, that the admin kept saying they would NEVER use, that it was a TAX!

                      ...then they were angry at the broken website that made signing up under the law impossible, ...
                      NOPE! It was the wasted money, and risk, for a piece of junk, and incompetence!!!!!!

                      ...then they were angry when the website was fixed,...
                      Why don't you wait until it is FIXED before making THAT claim!

                      ... then they were angry at the low number of enrollees because they could fit in a football stadium, ...
                      It is the point that EVERYTHING was wiped out, people may DIE, etc... and for NOTHING!

                      ...then they were angry at the huge numbers of enrollees who would no longer fit in all the football stadiums, ...
                      Why don't we wait to see if that is TRUE!

                      ...and now they're angry that some enrollees might not be paying, ...
                      If they didn't pay, THEY ARE NOT COVERED!!!!!!! OK? Understand?

                      ...and just watch, they'll soon be angry when it turns out almost everyone has paid.
                      Technically, that will NEVER happen! With people being on parents policies until 26, and the subsidies, etc.... But lets wait until those that AREN'T in those groups have paid before making THOSE claims, OK!?!?!?


                      And don't forget Bengazi.
                      Different thing, but the timing IS interesting, isn't it?

                      Steve
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      • Originally Posted by seasoned View Post

        Half coherent? He says nobody explained why people keep saying that the free market wasn't ever tried, and I showed him how he HIMSELF said each state was doing a different model. WHY? They all have an office that is SPECIFICALLY to set and enforce STATE BASED requirements! It is actually, in most cases at least, called the "INSURANCE COMMISSIONER":

        National Association of Insurance Commissioners (NAIC) State Web Map

        COHERENT enough for you?
        How are any of the state-based insurance models anything like a free market? Answer: they aren't. Sorry, dude; you still aren't making any sense.
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        • Profile picture of the author seasoned
          Originally Posted by Hopeless Bromantic View Post

          How are any of the state-based insurance models anything like a free market? Answer: they aren't. Sorry, dude; you still aren't making any sense.
          EXACTLY! I wasn't arguing they were a free market. They are restrictive.

          A thing like this SHOULD be between the insurance and insured, and there shouldn't be a regard for the state. Some insurers aren't even allowed in states.

          Steve
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          • Originally Posted by seasoned View Post

            EXACTLY! I wasn't arguing they were a free market. They are restrictive.

            A thing like this SHOULD be between the insurance and insured, and there shouldn't be a regard for the state. Some insurers aren't even allowed in states.
            The only way that can happen is if the taxpayers never pay a dime for anyone's care. How "exactly" is that scenario ever going to be realized?!

            You understand the taxpayers are on the hook every time some broke teenager gets rushed into the ER with a gunshot wound, right? There is no way around this, short of throwing such people back onto the street to bleed to death. Is that what you think "should" happen?
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  • Profile picture of the author NewParadigm
    Here is single payer, you can find out what happens this week.

    Go out to dinner with several friends and get one check. You'll find that each person will probably order more drinks/apps/entrees and more expensive items. When the bill comes and it gets divided up and passed around, it is almost always wayyyyy short of the total bill/taxes/tip. Every single person feels ripped off and feels they overpaid.

    Notice, there is no incentive to reduce overall costs when its "other peoples money". Single payer is just that, a way to pay for things. Nothing about delivering better food/service for less.

    Then throw in the wrinkle that you are "forced" to pay in. or forced to do a group dinner every month, you are going to overorder to make up for the last time you got ripped off. Same with healthcare, if you are forced to pay to the govt. You will go out of your way to get your money's worth. flooding the system with cost that will not be anticipated. That will lead to rationing and lack of innovation. It will implode.
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  • Profile picture of the author seasoned
    Yeah, if the goal were REALLY the stated goal, they could simply get the insurance companies to provide a few extra benefits, and maybe a plan the federal government would approve(To get past the lack of REAL free market treatment).

    They could make prescribing an "as written" prescription ILLEGAL!!!!!!!! They did this in California with real estate! Did you know that many California deeds TO THIS DAY forbid sales to like blacks? It is a legal document, so they can't change it, but they ignore it. Such things are no longer legal! They likely did it elsewhere, but I took the BPRE course for california, and they covered it. THIS could save a LOT of money. In MY case, with a "lower price" drug, it saves like $720/year! BTW "Romney care" did this.

    They could get rid of various taxes on medical supplies and devices. WHY charge for them? Costs ARE passed onto the consumer, and insurance!

    They could relax some FDA regulations, and throw any that act on, or pay, bribes in jail, AND charge them a bit more than the bribes.

    THEN, for good measure, they could setup a fund that would be financed by taxes on insurance profits to fund those that are HIGH RISK, and treat it like, but separate from, medicare). Of course, any embezzlers of that fund, or scammers, would ALSO be thrown in jail, and charge them a bit more than they got.

    I GUARANTEE it would cost less! EVERYONE could be covered, expenses could be tracked, etc... And if the "NO PRE EXISTING CONDITIONS EXCLUSION" Idea failed it would ONLY affect that group, and would be TRACKABLE! The way it is, we are changing WAY too many variables!

    And HEY, MY costs would likely be lower, and I wouldn't have to worry about the insurance. If the insurance company makes a profit, a portion will go to the HR fund.

    Steve
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  • Profile picture of the author NewParadigm
    If fauxbamacare was so good, why isn't it being implemented fully as written? Why is it selectively enforced and changed dozens of times w/out congressional action? Why has it been delayed multiple times? Why did many groups get EXEMPTED? Why is congress and the admin exempt? Why are people being forced into it with threats of IRS penalties? Why do they have to enlist hollyweird to pimp this stuff? Why do they need millions in marketing dollars to schlep this program?

    Why won't they release the real numbers and data of how many enrolled, how many lost coverage because of it? How many have actually paid? How many received taxpayer subsidies to sign up? You mean to tell me they don't know the data? that's utter BS. I hate liars.

    On top of that, the utter incompetence costing BILLIONS of taxpayer money should alone scare the crap out of people. You want these same people administering your health care? Not only the federal site, but several state sites have spent $100-$200million EACH for their own non working sites.

    There is nothing about the program that seeks to reduce the cost of delivering healthcare, but rather how to pay for its skyrocking costs by subsidizing. Just like dining out w/ a large group of friends and getting one check. Everyone almost always feels like they had to overpay their share.
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  • Profile picture of the author TLTheLiberator
    Hey Tim, look what Hobby Lobby has been up to...

    Hobby Lobby retirement plan invests heavily in contraception manufacturers:

    Hobby Lobby claims it sincerely objects to certain contraception, but has $73 million in assets that show otherwise.


    Hobby Lobby retirement plan invests heavily in contraception manufacturers - Salon.com


    How about this?

    Fox issues backhanded apology for misleading chart:

    Here's the original chart...



    Here's their newer more realistic chart...



    Here's the story...

    http://www.dailykos.com/story/2014/0...rt?detail=hide


    And WH press sec. Jay Carny just made this announcement...

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    • Profile picture of the author Kay King
      It sounds like you're saying that...

      ...even though you agree that piece by piece would probably be better you still want to go full bore ahead?
      It sounds like YOU are saying you want to keep arguing...and arguing...ad nauseum. You don't want to find solutions - or compromises.

      ...so you jump straight to another contentious issue - Hobby Lobby - anything to keep the rhetoric flowing?
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      • Profile picture of the author TLTheLiberator
        Originally Posted by Kay King View Post

        It sounds like YOU are saying you want to keep arguing...and arguing...ad nauseum. You don't want to find solutions - or compromises.

        ...so you jump straight to another contentious issue - Hobby Lobby - anything to keep the rhetoric flowing?
        It sounded like you thought one way would be best but you still wanted to unleash everything all at the same time.



        Why is Hobby Lobby a contentious issue for you?

        That was for Tim.

        You could ignore it as I've ignored your falling all over Ben Carson.
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    • Profile picture of the author garyv
      Originally Posted by TLTheLiberator View Post


      Hobby Lobby claims it sincerely objects to certain contraception, but has $73 million in assets that show otherwise.


      Hobby Lobby retirement plan invests heavily in contraception manufacturers - Salon.com
      There's a huge difference between investing in a company, and being forced to purchase their products. I have stocks in McDonalds - but I don't want anyone forcing me to buy big-macs for my employees.
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    • Profile picture of the author seasoned
      Originally Posted by TLTheLiberator View Post

      Hey Tim, look what Hobby Lobby has been up to...

      Hobby Lobby retirement plan invests heavily in contraception manufacturers:

      Hobby Lobby claims it sincerely objects to certain contraception, but has $73 million in assets that show otherwise.
      WRONG! The article says:

      held more than $73 million in mutual funds with investments in companies that produce emergency contraceptive pills, intrauterine devices, and drugs commonly used in abortions.
      I suspect you MIGHT know what mutual funds are but, if you don't, HERE is the TRUTH! They DON'T insvest in stocks and bonds! They invest in an INVESTMENT discipline and MANAGER! That means that there is a LOT of freedom there. Only a FEW mutual funds will let you dictate things like NO BIRTHCONTROL, and even THEY may slip up!

      They go on to say:

      Several of the mutual funds in Hobby Lobby's retirement plan have holdings in companies that manufacture the specific drugs and devices that the Green family, which owns Hobby Lobby, is fighting to keep out of Hobby Lobby's health care policies: the emergency contraceptive pills Plan B and Ella, and copper and hormonal intrauterine devices.

      These companies include Teva Pharmaceutical Industries, which makes Plan B and ParaGard, a copper IUD, and Actavis, which makes a generic version of Plan B and distributes Ella. Other holdings in the mutual funds selected by Hobby Lobby include Pfizer, the maker of Cytotec and Prostin E2, which are used to induce abortions; Bayer, which manufactures the hormonal IUDs Skyla and Mirena; AstraZeneca, which has an Indian subsidiary that manufactures Prostodin, Cerviprime, and Partocin, three drugs commonly used in abortions; and Forest Laboratories, which makes Cervidil, a drug used to induce abortions.
      AGAIN, are ANY of those BIRTH CONTROL companies? I'm sure most are drug/deveice companies that HAPPEN to make such devices. So WHAT do you suggest they do? BUY UP the companies and control them? The ONLY investor coming close to that is warren buffet, and even HE doesn't do that! HE transitions in to the company and has OTHERS run it.

      HEY, many here, perhaps even YOU, are likely investing in companies that once promoted, or do promote, nazism, communism, etc...., even hatred of blacks,etc....

      Steve
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    • Profile picture of the author seasoned
      Originally Posted by TLTheLiberator View Post

      Fox issues backhanded apology for misleading chart:

      Here's the original chart...



      Here's their newer more realistic chart...


      They do this sort of thing all the time! Look at the stock market sometime. It may go up a LOT and appear to be a slight move, or up little and appear to be a huge move. SO WHAT!!?!? The direction, and numbers were "right". Of course what is REALLY right remains to be seen!

      Steve
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  • Profile picture of the author MikeTucker
    I've read most of it-- And mostly with people who are far more
    intelligent and experienced in this sort of thing that I am.

    I didn't really understand it all. Nor did I understand how it all
    fits together with other things.

    A lot of things that I thought sounded good were explained to
    actually be terrible. And some of the things I thought would be
    a problem might actually turn out to be good things.

    At this point, all I know is that I'm terribly confused.
    About the AFA, the idea of a single-payer system,
    all of it... I'm trying to be an educated voter but at this
    point I'm just glad that I'm not ultimately the one that
    makes the decisions!
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    • Profile picture of the author seasoned
      Originally Posted by MikeTucker View Post

      At this point, all I know is that I'm terribly confused.
      About the AFA, the idea of a single-payer system,
      all of it... I'm trying to be an educated voter but at this
      point I'm just glad that I'm not ultimately the one that
      makes the decisions!
      They call it the "ACA". In a nutshell, some at least want the others to BELIEVE that they believe the government knows EVERYTHING, is PERFECT, HONEST, EFFICIENT.

      If all that were true, their decisions would be better than everyone else's, and taking EQUAL taxes, or taxes relative to need, to pay for those that do what they can to be a positive influence, would be just and fair, if they paid from that fund.

      ALSO, THEY would then be the only ones managing and paying from that fund, and THAT is your single payer.

      So what problems do I, and MANY like me have?

      1. We KNOW that NOBODY knows everything and the one that knows best about each of OUR circumstances is each of US!!!!!!!!
      2. We KNOW they therefore CAN'T be perfect, and are not ANYWAY!
      4. We KNOW they aren't honest!
      5. We KNOW they aren't efficient!

      6. They DON'T take reasonable taxes!
      7. They pay others that don't deserve them AT ALL!

      So single payer is a bad idea.

      Am I the ONLY one here that thinks it interesting that they are trying to change everything all at once? EVEN if they had a fantastic success, they could never know it among all the other variables that have changed. and this at a time when we can LEAST afford it!

      I saw a cute commercial today that explains some of the hatred of this! One explains this better, but IT may be deemed political.

      https://www.youtube.com/watch?v=_7Qsl8ys3eM


      Steve
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    • Profile picture of the author Claude Whitacre
      Originally Posted by MikeTucker View Post

      I've read most of it-- And mostly with people who are far more
      intelligent and experienced in this sort of thing that I am.

      I didn't really understand it all. Nor did I understand how it all
      fits together with other things.

      A lot of things that I thought sounded good were explained to
      actually be terrible. And some of the things I thought would be
      a problem might actually turn out to be good things.

      At this point, all I know is that I'm terribly confused.
      About the AFA, the idea of a single-payer system,
      all of it... I'm trying to be an educated voter but at this
      point I'm just glad that I'm not ultimately the one that
      makes the decisions!
      Mike: Ignore what everyone else is saying. Even ignore what I'm saying.
      The fact that you haven't set your opinion in stone, based on hearsay and talking points, is impressive to me.

      Go to the ACA website, learn what you can. Watch real news (Not FOX or MSNBC). The secret is to not care what you find...just to learn more.

      Just remember. The one yelling is the one with the weakest evidence.

      Here is not where you are going to find out anything that will help you.
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      • Profile picture of the author MikeAmbrosio
        Originally Posted by Claude Whitacre View Post

        Mike: Ignore what everyone else is saying. Even ignore what I'm saying.
        The fact that you haven't set your opinion in stone, based on hearsay and talking points, is impressive to me.

        Go to the ACA website, learn what you can. Watch real news (Not FOX or MSNBC). The secret is to not care what you find...just to learn more.

        Just remember. The one yelling is the one with the weakest evidence.

        Here is not where you are going to find out anything that will help you.
        Probably the smartest sentence in this thread. Certainly smarter than anything I've contributed...
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        • Profile picture of the author Claude Whitacre
          Originally Posted by MikeAmbrosio View Post

          Probably the smartest sentence in this thread. Certainly smarter than anything I've contributed...
          Mike: I agree. It's even smarter than anything I've said myself.

          I'm going to keep my eye on this guy, I think he's going places.
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      • Profile picture of the author MikeTucker
        Originally Posted by Claude Whitacre View Post

        Mike: Ignore what everyone else is saying. Even ignore what I'm saying.
        The fact that you haven't set your opinion in stone, based on hearsay and talking points, is impressive to me.

        Go to the ACA website, learn what you can. Watch real news (Not FOX or MSNBC). The secret is to not care what you find...just to learn more.

        Just remember. The one yelling is the one with the weakest evidence.

        Here is not where you are going to find out anything that will help you.

        Superb advice, and of course I have done this.
        But I also wanted to understand what the thoughts and opinions
        of others are-- and why there is so much controversy. And now
        I understand.

        Ultimately I have come to a couple of personal conclusions.

        The first is that I am going to judge very slowly in regard to
        the new US healthcare laws and whether or not they are good
        for the country as a whole.

        The second is that a single payer system would be a good thing.
        This belief comes from two other core beliefs that I have:

        1. We all benefit from the community, and therefore should give
        back to the community. I know that many people like to believe
        they are successful independently of it, but I just do not believe this.

        2. The strong are supposed to protect the weak. Whether
        physically, mentally, emotionally-- educationally-- whatever,
        we are a strong nation of strong people, and we should protect
        those less fortunate among ourselves.

        How would we pay for it? I honestly don't know.
        But we have come up with stupid amounts of money for
        far less noble causes. Surely the strongest, most inventive
        and innovative people in the world could come up with a
        host of solutions.

        I know many of you have different opinions based on your
        own experiences and values, and I respect both you and
        your thoughts. I'm thankful to everyone who contributed to
        this thread-- I read all of it up to this post and it helped me
        to think about many sides of many different issues that I never
        would have thought of on my own.

        Thank you all.
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        • Profile picture of the author SteveJohnson
          Originally Posted by MikeTucker View Post

          ...
          The second is that a single payer system would be a good thing.
          This belief comes from two other core beliefs that I have:

          1. We all benefit from the community, and therefore should give
          back to the community. I know that many people like to believe
          they are successful independently of it, but I just do not believe this.

          2. The strong are supposed to protect the weak. Whether
          physically, mentally, emotionally-- educationally-- whatever,
          we are a strong nation of strong people, and we should protect
          those less fortunate among ourselves.
          ...
          Admirable sentiments, those.

          Consider, though, that everyone has the opportunity to take advantage of the benefits of being a member of the community. Not all do. Should the ones who do be made to pay the expenses of the ones who don't? Punishing success has the effect of diminishing the drive to rise above your circumstances. If you work twice as hard as the next guy, make twice as much as the next guy, but have to give most of the extra you made 'back to the community', where is the incentive to be successful?

          Consider also that a single-payer system does absolutely nothing to constrain costs, which is one of the biggest issues of the day.
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          • Profile picture of the author Paul Myers
            Steve,
            Consider also that a single-payer system does absolutely nothing to constrain costs, which is one of the biggest issues of the day.
            Bootless argument. Whether one system does or does not fit that description, there is nothing in the concept of single-payer that precludes it.

            That is one area in which single-payer clearly offers a better chance of success than a market-driven system. The trick with that is to balance affordability with the need for R&D revenue.

            None of it is easy, but it will be a lot less difficult when people stop mixing issues.


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            • Profile picture of the author SteveJohnson
              Originally Posted by Paul Myers View Post

              Steve,Bootless argument. Whether one system does or does not fit that description, there is nothing in the concept of single-payer that precludes it.

              That is one area in which single-payer clearly offers a better chance of success than a market-driven system. The trick with that is to balance affordability with the need for R&D revenue.

              None of it is easy, but it will be a lot less difficult when people stop mixing issues.


              Paul
              I will concede that, but neither is there anything in the concept that includes it.

              I said that because some seem to think that a single-payer system in and by itself would be the cure-all for our broken system -- it isn't.

              That a single-payer system would have a better chance at driving down costs makes sense. The pitfall is that it would be managed by government, which has no real incentive to control costs, opposite of a privately-held for-profit corporation. Perhaps some mix of the two would be able to do it.
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            • Profile picture of the author TimPhelan
              Even though Mike has come to his conclusions about single payer ( well thought out, logical and moral conclusions I might add ), I remembered this relevant article I had come across a while back that some conservatives, and liberals, might find interesting. It's called The Conservative Case For Single Payer Health Care (Its the Competitiveness, Stupid)

              It's not a long article but makes some excellent points, some of which I will quote here.

              Conservatives are supposed to be the defenders of business. Yet our current health care system works as an albatross around the neck of American business. Likewise, the piecemeal reforms of ObamaCare seem only to make some problems even worse. Hence it is only a matter of time before a single-payer becomes inevitable in this country. Therefore conservatives need to position themselves and come to terms with this eventual reality. And if history is a judge, many times it takes, say, a Nixon to go to China or a Clinton to do welfare reform. A Republican president may be the one who puts single-payer in place down the road...

              Let’s face it, health insurance is a drag on American competitiveness. Every major trading partner of the United States has some form of government-organized health care, so why do we continue to saddle American corporations like working donkeys with such expensive costs?

              Americans pride ourselves on being the land of opportunity and of Horatio Alger. Yet the truth is social democratic Denmark now has higher levels of entrepreneurship than the USA. One primary difference between a Danish entrepreneur and his/her American counterpart is health care. Because of universal health care, a Danish worker with health problems can strike out on their own anytime and start up a business. Americans with health problems have to weigh the cost and benefit of leaving their jobs and decide if they can afford or even qualify for an individual health insurance policy.

              The freest economy in the world has national health care

              It is no secret conservatives and libertarians in the USA ♥ Hong Kong. After all HK has Ricardian free trade, low levels of regulations, no capital gains tax and an individual flat tax. Every year when the Heritage Foundation releases its Index of Economic Freedom, HK always tops the list.

              However, HK has a dirty little secret. It has a very good national health care system. HK citizens have some of the highest life expectancies in the world but their government health care system only costs about three percent of their GDP to operate (a sharp contrast to the 20 percent of GDP that USA health care costs are expected to be in the next decade).

              The point of the HK example is that this beacon of capitalism manages to operate the freest economy in the world while offering and providing a British-style national health service...
              So, not only is HK the highest ranked country interms of having a "free economy", but their HC system is ranked highly, number one in fact recently by Bloomberg. Plus, if you check the other top countries for economic freedom, 5 out of the top 6 have a government run single payer system, including HK, Singapore, Australia, New Zealand and Canada. Switzerland is the other country in the top six and their HC system is similar to Obamacare in that individual insurance is mandated.

              If conservatives would like to take the teeth out of the American labor movement, what better way than to eliminated their fears about free trade and the free market by supporting a single-payer?

              Conservatives forget that health care is not an example of a perfect market. It is not the same as shopping for a car, choosing an airline or deciding which brand of cereal to buy. Health care is the quintessential example of information asymmetry.
              The Conservative Case For Single Payer Health Care (Its the Competitiveness, Stupid)
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              • Profile picture of the author Kay King
                Sadly, I think the hardest thing to overcome for a single payer system is the partisanship that has become such an albatross with the ACA. There are many countries that handle health care far better (and cheaper) than we do.

                8 places that do health care better than the US | GlobalPost

                The French live two years longer than Americans, with half the infant mortality. France spends less than 11 percent of GDP on health compared to more than 16 percent in the United States. Cancer treatment is free. When Genentech developed Avastin, Business Week calculated a year's supply at $48,000 in America. It cost patients nothing in France.
                I wonder if a single payer system like the one in HK or France could end up replacing Medicaid AND Medicare. Could it?
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                • Profile picture of the author seasoned
                  Originally Posted by Kay King View Post

                  Sadly, I think the hardest thing to overcome for a single payer system is the partisanship that has become such an albatross with the ACA. There are many countries that handle health care far better (and cheaper) than we do.

                  8 places that do health care better than the US | GlobalPost



                  I wonder if a single payer system like the one in HK or France could end up replacing Medicaid AND Medicare. Could it?
                  If the government had all the answers, wouldn't it make sense that he VA, medicare, and medicaid would have been gone LONG ago? NONE of them are run the same, etc...

                  People may argue, but the VA is MILITARY! Well, really they AREN'T! There are certainly civilians they deal with and others deal with military and even the MILITARY guys eventually become civilians, though they may still have VA.

                  Medicaid only exists as a state method to cover and extend medicare. If medicare were great, and the rules standard, medicaid wouldn't have a reason to exist. And did the government decide to simply use one of the above three for the new plan? For the most part, NO!

                  Steve
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              • Profile picture of the author NewParadigm
                HK has a dual public/private system and they are shifting as much as they can to private system. They are having some significant shortages and problems already.

                Show me any socialized healthcare and you will eventually find a limited lifespan of that system, stagnant economy, rationing and high taxes. It's not sustainable. Nearly every socialized system will transition to private or they will sink the economy. It's being proven in nearly every country.

                HK low tax environment helps the economy to cover up the problems of socialized healthcare, they are two separate issues. HK will be forced to raise taxes and/or privatize or suffer the consequences like anyone else. The countries with socialized healthcare AND high taxes are finished. Especially as world central banks slow down the debt gorge and money printing.

                socialized medicine has proved to be a way to pay for healthcare, and has nothing to do with lowering any costs of quality healthcare.

                Just like the paradise in Greece, the chickens are coming home to roost.





                Originally Posted by TimPhelan View Post

                Even though Mike has come to his conclusions about single payer ( well thought out, logical and moral conclusions I might add ), I remembered this relevant article I had come across a while back that some conservatives, and liberals, might find interesting. It's called The Conservative Case For Single Payer Health Care (Its the Competitiveness, Stupid)

                It's not a long article but makes some excellent points, some of which I will quote here.



                So, not only is HK the highest ranked country interms of having a "free economy", but their HC system is ranked highly, number one in fact recently by Bloomberg. Plus, if you check the other top countries for economic freedom, 5 out of the top 6 have a government run single payer system, including HK, Singapore, Australia, New Zealand and Canada. Switzerland is the other country in the top six and their HC system is similar to Obamacare in that individual insurance is mandated.



                The Conservative Case For Single Payer Health Care (Its the Competitiveness, Stupid)
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                • Profile picture of the author TimPhelan
                  Originally Posted by NewParadigm View Post

                  Nearly every socialized system will transition to private or they will sink the economy. It's being proven in nearly every country.
                  Name one that went from a socialized system to a private system.
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                  • Profile picture of the author seasoned
                    Originally Posted by TimPhelan View Post

                    Name one that went from a socialized system to a private system.
                    Actually, a number have PRIVATELY! A LOT of foreigners spend time flying to the US to get healthcare. Private doctors have popped up. I guess you didn't watch the stossel report I posted that, among other things, spoke of PRIVATE doctors popping up in canada. They said the legality was in the courts, but one used to be a leader in the nation medical industry, and felt he would win. But has a government program ever vanished HERE?

                    Steve
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                    • Profile picture of the author TimPhelan
                      No. I mean a whole health care system, not private doctors "popping up". :/

                      I don't believe it has ever happened but has happened the opposite way of course.
                      Originally Posted by seasoned View Post

                      Actually, a number have PRIVATELY! A LOT of foreigners spend time flying to the US to get healthcare. Private doctors have popped up. I guess you didn't watch the stossel report I posted that, among other things, spoke of PRIVATE doctors popping up in canada. They said the legality was in the courts, but one used to be a leader in the nation medical industry, and felt he would win. But has a government program ever vanished HERE?

                      Steve
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                      • Profile picture of the author seasoned
                        Originally Posted by TimPhelan View Post

                        No. I mean a whole health care system, not private doctors "popping up". :/

                        I don't believe it has ever happened but has happened the opposite way of course.
                        There was once an earthquake in Californa, and they added a "SHORT TERM INCREASE" of .5% to the sales tax. They extended it at least 2 times before I left, and it will likely continue. That doesn't mean the time, or use, hasn't expired.

                        Th government wants increases to CONTINUE! If they can't pay for a thing anymore, they WILL! If people get too upset, they find something ELSE. There IS a market for PRIVATE doctors though.

                        Steve
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            • Profile picture of the author seasoned
              Originally Posted by Paul Myers View Post

              Steve,Bootless argument. Whether one system does or does not fit that description, there is nothing in the concept of single-payer that precludes it.

              That is one area in which single-payer clearly offers a better chance of success than a market-driven system. The trick with that is to balance affordability with the need for R&D revenue.

              None of it is easy, but it will be a lot less difficult when people stop mixing issues.


              Paul
              I know you were talking to the other steve, still... YEP, a single payer plan doesn't mean you can't contain costs, but THIS one had no such provisions.

              And single payer doesn't mean you have a better chance of success. If they are the only game in town, they won't care. THAT is part of the state vs federal government argument.

              Steve
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          • Profile picture of the author MikeTucker
            I hope I can continue in this thread without making it sound
            like I am trying to convince anyone to "believe the way I do!"
            but I do feel that I should respond and explain a few things
            that I left out of my previous post.


            Originally Posted by SteveJohnson View Post

            Admirable sentiments, those.

            Consider, though, that everyone has the opportunity to take advantage of the benefits of being a member of the community. Not all do.

            Should the ones who do be made to pay the expenses of the ones who don't?
            Originally Posted by MikeTucker View Post

            I know that many people like to believe
            they are successful independently of it, but I just do not believe this.
            This is a fundamental disagreement with many people.

            Many people like to think they are independent of the community
            and that they alone are responsible for their success. I absolutely
            do not mean to take away from their accomplishments in any way,
            but this is just not true-- Everything from the fact that you don't have
            polio to the plumbing and phone lines-- even your ability to read
            and respond to these posts is owed in many ways to the community.



            Originally Posted by SteveJohnson View Post

            Punishing success has the effect of diminishing the drive to rise above your circumstances. If you work twice as hard as the next guy, make twice as much as the next guy, but have to give most of the extra you made 'back to the community', where is the incentive to be successful?
            I certainly do not believe that success should be "punished"!
            Nor do I believe that "most" of the extra should be given back to the community.

            In fact, I believe that every person should contribute.
            And that we should make it as fair as possible.

            One great idea that I learned from this thread is that it should be
            tied in some way to healthy lifestyle choices-- I think that in most
            cases, that would be quite fair?
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          • Originally Posted by SteveJohnson View Post

            Admirable sentiments, those.

            Consider, though, that everyone has the opportunity to take advantage of the benefits of being a member of the community. Not all do. Should the ones who do be made to pay the expenses of the ones who don't? Punishing success has the effect of diminishing the drive to rise above your circumstances. If you work twice as hard as the next guy, make twice as much as the next guy, but have to give most of the extra you made 'back to the community', where is the incentive to be successful?
            The highest tax bracket in the 1950s was 90%. Did incentive to be successful disappear?
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            • Profile picture of the author ThomM
              Originally Posted by Hopeless Bromantic View Post

              The highest tax bracket in the 1950s was 90%. Did incentive to be successful disappear?
              If it worked so well why was it only for 2 years?
              Maybe the incentive did disappear.
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            • Profile picture of the author ronrule
              Originally Posted by Hopeless Bromantic View Post

              The highest tax bracket in the 1950s was 90%. Did incentive to be successful disappear?
              Nope. The incentive to be successful remained - that's precisely why big companies started moving manufacturing offshore. Since the government was taking a bigger cut, the incentive was to reduce their costs and increase the profits so their net earnings after taxes remained the same.
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              • Originally Posted by ronrule View Post

                Nope. The incentive to be successful remained - that's precisely why big companies started moving manufacturing offshore. Since the government was taking a bigger cut, the incentive was to reduce their costs and increase the profits so their net earnings after taxes remained the same.
                In the 1950s?! Who was doing that? Europe's and Asia's factories were mostly bombed out.

                (And by the way, if the US import tariff policies made any sense, there would be no incentive to move manufacturing offshore in the first place.)
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            • Profile picture of the author Kay King
              I'm not sure it addresses what Steve said - but I agree about taxes.

              Good table on the link below

              THE HISTORY OF TAXES: Here's How High Today's Rates Really Are - Business Insider

              But - look closely and you'll see what we've been missing now for years.

              WWI, WWII, Korean War - look at the tax brackets. For two of those wars, we also had rationing of gasoline and nylon and some food products.

              Not true today. During the Vietnam War taxes maintained but didn't go up.
              We've been fighting wars and had huge amounts of spending on "terrorism" and taxes have gone DOWN.

              There are other major differences that affected the 1950 era - we did not have the global competition we have today for corporations. We didn't have many of the loopholes we have today, either. And the great majority of people paid taxes.

              In 1970 about 19% of the population were exempt from income tax. By the 90s that number was 24% . In 2008 the number jumped from 25% to 36% population exempt from paying income tax. By 2011 it was 46% and today it's more than 49%. We're told it will go down in the future - but how will that happen? How high can this percentage go before the system crashes?

              It's not realistic to point to a time in history when taxes were higher and draw a conclusion.

              Why we can’t go back to sky-high, 1950s tax rates | AEIdeas
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              • Originally Posted by Kay King View Post

                I'm not sure it addresses what Steve said - but I agree about taxes.

                Good table on the link below

                THE HISTORY OF TAXES: Here's How High Today's Rates Really Are - Business Insider

                But - look closely and you'll see what we've been missing now for years.

                WWI, WWII, Korean War - look at the tax brackets. For two of those wars, we also had rationing of gasoline and nylon and some food products.

                Not true today. During the Vietnam War taxes maintained but didn't go up.
                We've been fighting wars and had huge amounts of spending on "terrorism" and taxes have gone DOWN.
                Exactly why the national debt is so far out of balance with the GDP. You realize that this is not a good thing, right?
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            • Profile picture of the author seasoned
              Originally Posted by Hopeless Bromantic View Post

              The highest tax bracket in the 1950s was 90%. Did incentive to be successful disappear?
              Actually, the highest bracket WASN'T 90%! It was 90% on ******ADJUSTED****** gross income. ADJUSTED gross was RARELY close to paid. In fact, income used in research probably worked out to about ZERO!

              This was before I was even in school! SINCE I have been born, in fact since 1987, AGI is FAR closer to paid. HECK, talk about free healthcare, etc.... I have to PAY for drugs! Until it reaches a substantial part of my income, that money, THAT I NEED TO MERELY SURVIVE, is TAXED!!!!!! I effectively have to pay tax on money I never REALLY got! Is THAT fair? It is like I had to have surgery to survive and BANG, I got a CUT in pay of THOUSANDS of dollars! Just for MONITORING one of the drugs MYSELF, it is a CUT in pay of almost $1200/year! The OTHER attendant costs, for TESTING, is ANOTHER 30-50%! The OTHER costs, for DRUGS, is ANOTHER 30-50%! So that is about $2000/year for ONE drug, and I have to pay tax on it.

              The AGI, in relation to paid, has gone up a LOT since even 1987. In fact, around 1987, they passed TEFRA! It was SUPPOSED to be GIVE and take! Well, CONGRESS TOOK plenty. They raised AGI in relation to total income EVERY YEAR for 5 years because of TEFRA. They NEVER GAVE us those cuts in spending.

              The last time the rate was 90% or higher was 1963! It went to 91% then. As I recall, moving costs, health, education, investment expenses, etc... were NOT part of AGI. AND, in 1963, you had to have OVER a million dollars annual AGI to pay over 78%!!! For 90%, you have to have over $2 million. And remember, a million dollars back then really WAS a lot.

              BTW you can bet a person with an AGI of $2 million was paid a GOOD DEAL MORE than that every year.

              Steve
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        • Profile picture of the author Joe Mobley
          How unfortunate.

          My comments are in your quote.


          Originally Posted by MikeTucker View Post

          Superb advice, and of course I have done this.
          But I also wanted to understand what the thoughts and opinions
          of others are-- and why there is so much controversy. And now
          I understand.

          Ultimately I have come to a couple of personal conclusions.

          The first is that I am going to judge very slowly in regard to
          the new US healthcare laws and whether or not they are good
          for the country as a whole.

          The second is that a single payer system would be a good thing.
          This belief comes from two other core beliefs that I have:

          1. We all benefit from the community, and therefore should give
          back to the community.

          This is not "giving" at all. This is being forced to contribute to a "community" that they may not want to be a part of.

          I know that many people like to believe
          they are successful independently of it, but I just do not believe this.

          Should people be forced to give based on your beliefs?


          2. The strong are supposed to protect the weak.

          Emotionally charged double-talk.

          Whether physically, mentally, emotionally-- educationally-- whatever,
          we are a strong nation of strong people, and we should protect
          those less fortunate among ourselves.

          While we are in should-mode, let me suggest that we should not be forcing our beliefs on others.

          How would we pay for it? I honestly don't know.

          "I don't know how we're going to pay for the gas but let's just get in the car and drive." Less than smart.

          But we have come up with stupid amounts of money for
          far less noble causes.

          I shouldn't have to come up with any money for your noble cause. I should be free to determine and pay for the noble causes for me in my own life.

          Surely the strongest, most inventive and innovative people in the world could come up with a host of solutions.

          ...That will never see the light of day because the solution-provider is not interested in hearing them.

          I know many of you have different opinions based on your
          own experiences and values, and I respect both you and
          your thoughts.

          Please respect me enough to stay out of my wallet!

          I'm thankful to everyone who contributed to
          this thread-- I read all of it up to this post and it helped me
          to think about many sides of many different issues that I never
          would have thought of on my own.

          Thank you all.
          "Single Payer System"-- Educate me?

          I am sure that those who seek to impose their will on others will approve of your education.

          Joe Mobley
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          • Profile picture of the author Joe Mobley
            but their government health care system only costs about three percent of their GDP to operate
            Tim,

            You have a 3%-of-GDP, working (wuurrr-king) health care solution? Tell us about it.

            ...

            ...

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            • Profile picture of the author TimPhelan
              Originally Posted by Joe Mobley View Post

              Tell us about it.
              Joe,

              I did. Google Hong Kong health care system for more info.

              Tim Phelan
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              • Profile picture of the author Joe Mobley
                Sorry about the delayed response, I have been busy.

                I can see where I should have rephrased my question a bit.

                If you have some examples of how the US can operate a health care system on 3 to 10 percent of GDP, I would be interested to hear about them.

                I pretty much discount the "[Insert country name here] has a working, socialized health care system" argument. The primary reason (and there are several reasons) being track record. To call the US' track record on administering social programs "dismal" is an exercise in optimism.

                Joe Mobley



                Originally Posted by Joe Mobley View Post

                Tim,

                You have a 3%-of-GDP, working (wuurrr-king) health care solution? Tell us about it.

                ...

                ...

                Joe Mobley
                Originally Posted by TimPhelan View Post

                Joe,

                I did. Google Hong Kong health care system for more info.

                Tim Phelan
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                • Profile picture of the author ThomM
                  Originally Posted by Joe Mobley View Post

                  of GDP, I would be interested to hear about them.

                  I pretty much discount the "[Insert country name here] has a working, socialized health care system" argument. The primary reason (and there are several reasons) being track record. To call the US' track record on administering social programs "dismal" is an exercise in optimism.

                  Joe Mobley
                  It goes deeper then that Joe.
                  Look at all the food additives that are banned in most (if not all) of those countries but allowed here. That's only one example.
                  Most of the food grown in Europe is grown at a local level. Raw milk from healthy cows is not only legal but in some countries sold in vending machines.
                  Natural remedies and Homeopathic treatments are a part of their health care.
                  In other words more emphasis is put on health then on sickness.
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                • Profile picture of the author TimPhelan
                  Originally Posted by Joe Mobley View Post

                  If you have some examples of how the US can operate a health care system on 3 to 10 percent of GDP, I would be interested to hear about them.

                  I pretty much discount the "[Insert country name here] has a working, socialized health care system" argument. The primary reason (and there are several reasons) being track record. To call the US' track record on administering social programs "dismal" is an exercise in optimism.

                  Joe Mobley
                  Joe, you ask to give examples and then say examples don't matter because the US has such a terrible track record you discount any examples. So why ask?

                  Sure, not all of our social programs have been handled greatly, but social security and medicare are extremely popular. I remember one poll fairly recently where 8 in 10 Americans thought ss has been good for our country. Medicare also gets very high approval ratings in polls.
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                  • Profile picture of the author ThomM
                    Originally Posted by TimPhelan View Post

                    Joe, you ask to give examples and then say examples don't matter because the US has such a terrible track record you discount any examples. So why ask?

                    Sure, not all of our social programs have been handled greatly, but social security and medicare are extremely popular. I remember one poll fairly recently where 8 in 10 Americans thought ss has been good for our country. Medicare also gets very high approval ratings in polls.
                    Tim one problem is whenever they have a "budget" problem it's the social programs they always threaten to cut. It's a bipartisan thing also. Whenever one side wants something they hold the people hostage till they get it. The only time programs like social security and medicare are popular with the politicians holding the purse strings is when they can use them to their benefit.
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                    • Profile picture of the author TLTheLiberator
                      Originally Posted by ThomM View Post

                      Tim one problem is whenever they have a "budget" problem it's the social programs they always threaten to cut. It's a bipartisan thing also. Whenever one side wants something they hold the people hostage till they get it. The only time programs like social security and medicare are popular with the politicians holding the purse strings is when they can use them to their benefit.

                      Not to be argumentative but...

                      When have the folks on the left threatened SS, Medicare or Medicaid - or any other social program?

                      If they did, the other side would welcome it because they are the one's always interested in cutting and/or drastically changing social programs.

                      Also...

                      The folks on the left have never threatened the full faith and credit of the U.S. while trying to hold not just the U.S. economy and the American people hostage but the world economy hostage...

                      ...- in those recent debt ceiling limit situations as the other side has done many times since #44 became POTUS.

                      Also...

                      When the left wanted to allow the top tax rates to go back to around 40% the other side wouldn't let it happen unless all rates are raised. (They were tied together)

                      That's was hostage taking.

                      Somehow they were finally outflanked by public opinion and the right had to relent and allow the top rate to go up without the rates on average Americans to go up also.

                      I don't understand the attempt at a false equivalency - regarding holding the American people hostage.

                      I'd sincerely love to hear of some examples of the left holding the American people hostage.
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                      • Profile picture of the author seasoned
                        Originally Posted by TLTheLiberator View Post

                        When have the folks on the left threatened SS, Medicare or Medicaid - or any other social program?
                        FROM THE BEGINNING! It is a PONZI SCHEME! I got to see pretty personally just how much of a ponzi scheme, and how INTENTIONAL it was! I asked my UNCLE, who is older than I am, and on it. He paid ******FAR******* less as a percentage! Even I am paying JUST within what people LONG ago said is the range for such a deal. So SS has been threatened since DAY ONE!

                        If they did, the other side would welcome it because they are the one's always interested in cutting and/or drastically changing those social programs.
                        WRONG! They were SUPPOSED to be PAID SUSTAINABLE PROGRAMS! They weren't and aren't. If they were, conservatives would be OK with it. HECK, I was hoping I could benefit from SS one day. I paid into it partially because I thought I could benefit.

                        I was ******LIVID****** in the 70s and 80s when I hard all those MORONS speak about a "social security surplus". There can NEVER be a surplus, because you would have to go to the end of the US, find out what was spent and determine every movement and analyze it all. Even then, suing it would be THEFT!

                        So WHAT did they mean? SIMPLE! They meant that they wanted to spend EVERY PENNY, and they figured that it would be OK as long as they had enough paid in NOW to cover what is going out NOW. Sounds ok, but NOBODY needs it NOW! It wasn't made for NOW! 5 minutes from NOW someone could get crippled, lose their job, etc.... and your surplus is depleted faster. Maybe at some point there won't be enough people to pay for the retired people. In short, talk of a "surplus" ADMITS that they are either incompetent, or thieves.

                        The folks on the left have never threatened the full faith and credit of the U.S. trying to hold not just the U.S. economy hostage but the world economy hostage -
                        They have ALL THE TIME! What do you think all the spending and raising the debt ceiling does? AGAIN, medicare/medicaid/SS were SUPPOSED to be DIFFERENT! THAT is supposed to be from premiums and the WAGE TAX.

                        When the left wanted to allow the top tax rates to go back to around 40% the other side wouldn't let it happen unless all rates are raised. (They were tied together)

                        That's was hostage taking.
                        NOPE! It is called fairness and reason! BTW I was on the lower end so YEAH, their plan would raise MY taxes.

                        Somehow they were finally outflanked by public opinion and the right had to relent and allow the top rate to go up without the rates on average Americans to go up also.
                        PROBABLY the STANDARD way that you guys complain about ONLY when it works AGAINST you.

                        CASE IN POINT: http://www.foxnews.com/politics/2013...ive-farm-bill/

                        I'd sincerely love to hear of some examples of the left holding the American people hostage.
                        You gave plenty ALREADY!

                        Steve
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                        • Profile picture of the author TLTheLiberator
                          Originally Posted by seasoned View Post

                          FROM THE BEGINNING! It is a PONZI SCHEME! I got to see pretty personally just how much of a ponzi scheme, and how INTENTIONAL it was! I asked my UNCLE, who is older than I am, and on it. He paid ******FAR******* less as a percentage! Even I am paying JUST within what people LONG ago said is the range for such a deal. So SS has been threatened since DAY ONE!



                          WRONG! They were SUPPOSED to be PAID SUSTAINABLE PROGRAMS! They weren't and aren't. If they were, conservatives would be OK with it. HECK, I was hoping I could benefit from SS one day. I paid into it partially because I thought I could benefit.

                          I was ******LIVID****** in the 70s and 80s when I hard all those MORONS speak about a "social security surplus". There can NEVER be a surplus, because you would have to go to the end of the US, find out what was spent and determine every movement and analyze it all. Even then, suing it would be THEFT!

                          So WHAT did they mean? SIMPLE! They meant that they wanted to spend EVERY PENNY, and they figured that it would be OK as long as they had enough paid in NOW to cover what is going out NOW. Sounds ok, but NOBODY needs it NOW! It wasn't made for NOW! 5 minutes from NOW someone could get crippled, lose their job, etc.... and your surplus is depleted faster. Maybe at some point there won't be enough people to pay for the retired people. In short, talk of a "surplus" ADMITS that they are either incompetent, or thieves.



                          They have ALL THE TIME! What do you think all the spending and raising the debt ceiling does? AGAIN, medicare/medicaid/SS were SUPPOSED to be DIFFERENT! THAT is supposed to be from premiums and the WAGE TAX.



                          NOPE! It is called fairness and reason! BTW I was on the lower end so YEAH, their plan would raise MY taxes.



                          PROBABLY the STANDARD way that you guys complain about ONLY when it works AGAINST you.

                          CASE IN POINT: http://www.foxnews.com/politics/2013...ive-farm-bill/



                          You gave plenty ALREADY!

                          Steve
                          Ponzi scheme - Wikipedia, the free encyclopedia

                          For the rest of your post - you are entitled.
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                          • Profile picture of the author seasoned
                            Originally Posted by TLTheLiberator View Post

                            Ponzi scheme - Wikipedia, the free encyclopedia

                            For the rest of your post - you are entitled.
                            A Ponzi scheme is a fraudulent investment operation where the operator, an individual or organization, pays returns to its investors
                            Replace "operator, an individual or organization" with government and "investors" with payer. CHECK!

                            from new capital paid to the operators by new investors, rather than from profit earned by the operator.
                            replace "operators" with government and "investors" with payer. CHECK!

                            Operators of Ponzi schemes usually entice new investors by offering higher returns than other investments, in the form of short-term returns that are either abnormally high or unusually consistent. The perpetuation of the high returns requires an ever-increasing flow of money from new investors to sustain the scheme.[1]
                            Replace "operators" with government and "investors" with payer. CHECK!

                            OK, OK, so it is a ponzi scheme! I SAID it was! What is your point?

                            BTW the enticing is in the beginning. THAT is why my uncle paid such low tax. If they had him pay as much as is paid for me, he might have said NO THANKS, I can likely do it MYSELF! With government, the entice, in cases like this, eventually becomes FORCE! THAT is why we have wage taxes, property taxes, gas taxes, etc.... It is ALSO why, with the ACA, they said "YOU CAN KEEP YOUR PLAN, PERIOD"!

                            Steve
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                  • Profile picture of the author seasoned
                    Originally Posted by TimPhelan View Post

                    Joe, you ask to give examples and then say examples don't matter because the US has such a terrible track record you discount any examples. So why ask?

                    Sure, not all of our social programs have been handled greatly, but social security and medicare are extremely popular. I remember one poll fairly recently where 8 in 10 Americans thought ss has been good for our country. Medicare also gets very high approval ratings in polls.
                    You do NOT want to see medicare be popular. You want medicare, SS, and welfare disappear from lack of need! But medicare is there because there are so many problems, medicare can't handle them, so medicaid fills in. And Social Security will pay anyone that is a certain age, etc.... so OF COURSE they take it. NOT a good sign. SS is starting to fail. I spoke to my father about something else yesterday, and HE mentioned that he is seeing medicare acceptance and value dropping. And it only just STARTED really. He is, obviously , on medicare advantage and DOES use it.

                    Steve
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  • Profile picture of the author NewParadigm
    Hard to believe people still believe in free lunches these days.

    Who wants "free" health care like the wonderful care plan in France??? Raise your hand. Greece was the great model before, great govt healthcare and retirement! wahooo!

    Well, it comes with high unemployment at 11% official, ZERO gdp growth, 75% top rate taxes, and 20%+ GST/VAT taxes. Many of the moneyed employers there will be leaving the country. What entrepreneur wants to start a business there? It is on a death spiral from all those "free" govt provided goodies.

    If you want a nanny state govt to take care of you, oh they will, but be willing to pay the price.
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    • Profile picture of the author seasoned
      Originally Posted by NewParadigm View Post

      Hard to believe people still believe in free lunches these days.

      Who wants "free" health care like the wonderful care plan in France??? Raise your hand. Greece was the great model before, great govt healthcare and retirement! wahooo!

      Well, it comes with high unemployment at 11% official, ZERO gdp growth, 75% top rate taxes, and 20%+ GST/VAT taxes. Many of the moneyed employers there will be leaving the country. What entrepreneur wants to start a business there? It is on a death spiral from all those "free" govt provided goodies.

      If you want a nanny state govt to take care of you, oh they will, but be willing to pay the price.
      Sounds like something RIGHT UP TLs and tims alley!

      Hey guys, how some can you move!?

      Steve
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      • Profile picture of the author TimPhelan
        Originally Posted by seasoned View Post

        Sounds like something RIGHT UP TLs and tims alley!

        Hey guys, how some can you move!?

        Steve
        Hey, I'm not the one always complaining about every aspect of this country. Shouldn't it be you who should move? Here's the perfect place for you:

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        • Profile picture of the author seasoned
          Originally Posted by TimPhelan View Post

          Hey, I'm not the one always complaining about every aspect of this country. Shouldn't it be you who should move? Here's the perfect place for you:

          REGULATION VACATION CELEBRATION! - YouTube
          Actually, you ARE! You said you want the constitution to be changed left and right, etc...

          HECK: CONSERVATISM:

          Conservatism as a political and social philosophy promotes retaining traditional social institutions. A person who follows the philosophies of conservatism is referred to as a traditionalist or conservative.

          Some conservatives seek to preserve things as they are, emphasizing stability and continuity, while others, called reactionaries, oppose modernism and seek a return to "the way things were"
          The closest REAL definition I could find of liberal is STILL a bit vague, but from marriam webster:

          1lib·er·al adjective ˈli-b(ə-)rəl
          : believing that government should be active in supporting social and political change : relating to or supporting political liberalism
          So basically it is LIBERALS that want change.

          BTW If liberals were even SLIGHTLY like the first paragraph in the wikipedia definition, I would happily become one in a shot. I wouldn't say a word against it. But SADLY, it is LITERALLY a fairytale. HECK, look at freedom of religion and how many libs here speak against it and what hobby lobby, etc... contend with. YIKES! ICSM, but....

          Steve
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  • Profile picture of the author Paul Myers
    Some people don't understand the rules. Some refuse to understand. And some just don't care.

    [sigh]
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  • Profile picture of the author Paul Myers
    Steve,

    Companies have a desire to make THEIR costs as low as possible, while making their prices as high as the market will bear. In a truly free market, this will be beneficial for most of the people involved. Competition drives things toward an optimal price.

    In the health care market, is isn't. First, it isn't free in any usual sense. The way patents are issued and guarded, the way doctors are bribed to prescribe certain meds over others, the way regulators are lied to, bribed, or simply overloaded in dealing with new medicines and treatments, and the fact that the end consumer has so little to say about what they get and how much they end up paying for it...

    Nothing at all like an open and informed market. And since it is so often a matter of "Pay or die," exclusive ownership of treatment patents amounts to the ultimate non-free market.


    Paul
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    • Profile picture of the author seasoned
      Originally Posted by Paul Myers View Post

      Steve,

      Companies have a desire to make THEIR costs as low as possible, while making their prices as high as the market will bear. In a truly free market, this will be beneficial for most of the people involved. Competition drives things toward an optimal price.
      That is true of everything, including COMPUTERS! Do you realize that the average price of a desktop now is about 1/20th of the price of the first IBM/PC when it came out? YIKES! BTW for the longest time, it held around 1/2 for most US systems. The capability went up, and the price kept about the same. That was BEFORE all the foreign building to reduce labor and add MORE competition.

      In the health care market, is isn't. First, it isn't free in any usual sense. The way patents are issued and guarded, the way doctors are bribed to prescribe certain meds over others, the way regulators are lied to, bribed, or simply overloaded in dealing with new medicines and treatments, and the fact that the end consumer has so little to say about what they get and how much they end up paying for it...
      Patents are honored by MOST countries, INCLUDING CANADA! They are probably bribed everywhere. But this IS one place "romneycare" was good. It was ILLEGAL to prescribe a proprietary drug, when a generic could do the same. Too bad the US FDERAL government has no such law! The regulators may be bribed everywhere, and will CONTINUE to be bribed in the US.

      YEAH, making pricing available should be DEMANDED! AGAIN, the US has NO such specification. Tradition, general business practice, and probably some laws, say it SHOULD be there, but hospitals generally feign ignorance, until AFTER the act!!!!

      Nothing at all like an open and informed market. And since it is so often a matter of "Pay or die," exclusive ownership of treatment patents amounts to the ultimate non-free market.


      Paul
      We agree THERE! I HAVE said that earlier in this thread.

      Steve
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      • Profile picture of the author Richard Van
        Well, after what is now 542 replies, if Mikes not been educated yet on the single payer system, I doubt he ever will be.
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  • Profile picture of the author MikeTucker
    Joe,

    This is not "giving" at all. This is being forced to contribute to a "community" that they may not want to be a part of.

    Should people be forced to give based on your beliefs?
    "Not wanting" to be a part of the community does
    not mean that a person is not part of it. They still benefit
    in a great many ways, and therefore should contribute.

    And if they don't do so willingly, then yes, they
    should be forced.


    Emotionally charged double-talk.
    It wasn't meant as an argument or a debate point.
    It is just a guiding principle that I base my
    personal decisions on, nothing more, nothing less.


    While we are in should-mode, let me suggest that we should not be forcing our beliefs on others.
    I absolutely agree.
    And I wouldn't "force" these beliefs on anyone.
    But I will vote for them-- which is quite different than "force".


    "I don't know how we're going to pay for the gas but let's just get in the car and drive." Less than smart.
    Perhaps not. But we spent trillions and trillions on
    wars without knowing how we were going to pay for them.
    If we can sent our kids to kill and die in other countires
    and put it on the credit card, why can't we do it to
    treat and save people in our own country?


    I shouldn't have to come up with any money for your noble cause. I should be free to determine and pay for the noble causes for me in my own life.
    I've mentioned this to you before: When you find a way
    to make sure that our money doesn't go to things we don't
    want it to, please let me know! I never wanted a single penny
    of my money to go to any war.

    But this is where the discussion of what "should be" and what is
    gets blurred... Because the reality is that we don't decide.
    The elected officials and the people they appoint make these
    decisions.

    So the fact that I didn't like the wars doesn't mean that I
    get to stop paying taxes to help pay for those debts-- I benefit
    from the community, so I contribute back to it. Even the parts
    that I don't like.



    ...That will never see the light of day because the solution-provider is not interested in hearing them.
    I'm not really sure what this means. I'm interested in hearing them?


    Please respect me enough to stay out of my wallet!
    "Emotionally charged double-talk"?

    If you are not contributing to the community that you
    have benefited from, then you are taking money from the
    wallets of all the people who do their part.
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    • Profile picture of the author Joe Mobley
      Originally Posted by MikeTucker View Post

      Joe,

      "Not wanting" to be a part of the community does
      not mean that a person is not part of it.
      "The Community", a nice little euphemistic term if there ever was one.


      Originally Posted by MikeTucker View Post

      They still benefit
      in a great many ways, and therefore should contribute.
      Please define "contribute."

      Originally Posted by MikeTucker View Post

      And if they don't do so willingly, then yes, they
      should be forced.
      Originally Posted by MikeTucker View Post

      But we spent trillions and trillions on
      wars without knowing how we were going to pay for them.
      If we can sent our kids to kill and die in other countires
      and put it on the credit card...

      Originally Posted by MikeTucker View Post

      I've mentioned this to you before: When you find a way
      to make sure that our money doesn't go to things we don't
      want it to, please let me know! I never wanted a single penny
      of my money to go to any war.

      An interesting dichotomy in judgement. You complain about the cost of foreign wars (a position that I may agree with) yet have no qualms about forcing contributions from others regardless of their level of participation in "the community."

      Originally Posted by MikeTucker View Post

      why can't we do it to
      treat and save people in our own country?
      In my best HAL 9000 voice,

      "I'm sorry, that destination is not available on the route you have chosen. Please adjust expectations accordingly or chose another route."


      Originally Posted by MikeTucker View Post

      But this is where the discussion of what "should be" and what is
      gets blurred... Because the reality is that we don't decide.
      The elected officials and the people they appoint make these
      decisions.
      No blurring here. A large portion of those elected officials get into office by promising entrance into several "communities" without anyone having to pay.


      Originally Posted by MikeTucker View Post

      If you are not contributing to the community that you
      have benefited from,
      This would be a false assumption on your part.

      Originally Posted by MikeTucker View Post

      then you are taking money from the
      wallets of all the people who do their part.
      Again, another false assumption.

      Joe Mobley
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      • Originally Posted by Joe Mobley View Post

        "The Community", a nice little euphemistic term if there ever was one.
        Fine; I'm happy to put it more bluntly (realistically).

        Being "forced" to pay for things is the price we all pay for living in a civilization.

        You might as well suck it up, because this planet no longer offers any other options.
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        • Profile picture of the author ThomM
          Originally Posted by TLTheLiberator View Post

          If you're wrong about exactly what?
          You know what. You posted a poll and claim it shows we have the lowest uninsured rate since 2008. I pointed out just using that graph that you are wrong.
          Originally Posted by TLTheLiberator View Post

          You are entitled.
          So point out exactly how I'm wrong.
          Originally Posted by ThomM View Post

          What I thought was funny about the poll that TL posted was how wrong it actually is.
          First you can see there was a rise in uninsured shortly after Obama took office.
          Second even with the rise the uninsured rate was still lower in 2008 then it is currently. Unless I'm mistaken 14.6 is lower then 15.6 and 14.6 is what it went up to in 2008.
          Then the numbers continued to rise after the ACA passed and peaked when "If you like your insurance you can keep your insurance" was proven to be a lie.
          Originally Posted by TLTheLiberator View Post

          In U.S., Uninsured Rate Lowest Since 2008 according to Gallup Poll of 45,000.

          In U.S., Uninsured Rate Lowest Since 2008


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          • Profile picture of the author TLTheLiberator
            Originally Posted by ThomM View Post

            You know what. You posted a poll and claim it shows we have the lowest uninsured rate since 2008. I pointed out just using that graph that you are wrong.

            So point out exactly how I'm wrong.
            I guess you got me as far as the chart is concerned but you should have read what was on Gallop's page...

            The uninsured rate has been falling since the fourth quarter of 2013, after hitting an all-time high of 18.0% in the third quarter -- a sign that the Affordable Care Act, commonly referred to as "Obamacare," appears to be accomplishing its goal of increasing the percentage of Americans with health insurance coverage.

            Even within this year's first quarter, the uninsured rate fell consistently, from 16.2% in January to 15.6% in February to 15.0% in March.

            And within March, the rate dropped more than a point, from 15.8% in the first half of the ...


            ...month to 14.7% in the second half -- indicating that enrollment through the healthcare exchanges increased as the March 31 deadline approached.




            They really should update that chart for folks like yourself and sorry I did not leave a link to the actual page with the chart and the story.

            http://www.gallup.com/poll/168248/un...west-2008.aspx
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            • Profile picture of the author ThomM
              Originally Posted by TLTheLiberator View Post

              I guess you got me as far as the chart is concerned but you should have read what was on Gallop's page...

              The uninsured rate has been falling since the fourth quarter of 2013, after hitting an all-time high of 18.0% in the third quarter -- a sign that the Affordable Care Act, commonly referred to as "Obamacare," appears to be accomplishing its goal of increasing the percentage of Americans with health insurance coverage.

              Even within this year's first quarter, the uninsured rate fell consistently, from 16.2% in January to 15.6% in February to 15.0% in March.

              And within March, the rate dropped more than a point, from 15.8% in the first half of the ...


              ...month to 14.7% in the second half -- indicating that enrollment through the healthcare exchanges increased as the March 31 deadline approached.




              They really should update that chart for folks like yourself and sorry I did not leave a link to the actual page with the chart and the story.

              In U.S., Uninsured Rate Lowest Since 2008
              They should stop printing stupid charts and spinning tales for people like you.
              Look at the beginning of the chart. It shows an upward line going to 14.6. After the ACA was passed it continued to raise until it reached it's peak right when all those policies that Obama said we could keep where canceled.
              As for the uninsured rate falling since the last quarter of 2013, yeah funny how forcing people to buy something after you took it away will make them buy it again.

              How many people that signed up where uninsured before?
              How many have paid their premiums?


              Plus they only polled 45,000 people?
              You understand that that number is less the 1/4 of 1 % of the population, don't you.
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              • Profile picture of the author TLTheLiberator
                Originally Posted by ThomM View Post

                They should stop printing stupid charts and spinning tales for people like you.

                Look at the beginning of the chart. It shows an upward line going to 14.6. After the ACA was passed it continued to raise until it reached it's peak right when all those policies that

                Obama said we could keep where canceled.

                As for the uninsured rate falling since the last quarter of 2013, yeah funny how forcing people to buy something after you took it away will make them buy it again.

                How many people that signed up where uninsured before?


                How many have paid their premiums?


                Plus they only polled 45,000 people?

                You understand that that number is less the 1/4 of 1 % of the population, don't you.
                Thom, maybe I set you up.

                How many people should they poll - 1 million? I'm not sure that number would satisfy you.

                If you're going in the direction that the ACA lost more policies than newly issued policies...

                ... its a hopeless direction even with the amount of newly insured that have not paid yet and also counting those that had insurance and got a new one through the exchanges.

                See page #12 of this thread where I laid it out for Ron Rule...
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          • Profile picture of the author TimPhelan
            Originally Posted by ThomM View Post

            You know what. You posted a poll and claim it shows we have the lowest uninsured rate since 2008. I pointed out just using that graph that you are wrong.

            So point out exactly how I'm wrong.
            The headline for the poll says "since 2008" Thom and that is accurate even if it was lower in 2008. In fact, "since 2008" implies that is was lower in 2008.
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        • Profile picture of the author ThomM
          Originally Posted by Hopeless Bromantic View Post

          Fine; I'm happy to put it more bluntly (realistically).

          Being "forced" to pay for things is the price we all pay for living in a civilization.

          You might as well suck it up, because this planet no longer offers any other options.
          Think about what you are saying.
          It has nothing to do with living in a civilization and everything to do with one group thinking they can control the lives of others through force.
          That's not civilized by any stretch.
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          • Originally Posted by ThomM View Post

            Think about what you are saying.
            It has nothing to do with living in a civilization and everything to do with one group thinking they can control the lives of others through force.
            That's not civilized by any stretch.
            Name ONE civilization in which no group ever uses force (or the threat of it) against another.
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            • Profile picture of the author ThomM
              Originally Posted by TimPhelan View Post

              The headline for the poll says "since 2008" Thom and that is accurate even if it was lower in 2008. In fact, "since 2008" implies that is was lower in 2008.
              I get what you're saying Tim.

              Originally Posted by Hopeless Bromantic View Post

              Name ONE civilization in which no group ever uses force (or the threat of it) against another.
              That doesn't make a civilization.
              That's more the acts of uncivilized people in power.
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              • Originally Posted by ThomM View Post

                That doesn't make a civilization.
                That's more the acts of uncivilized people in power.
                Do you agree that every civilization needs to define what constitutes acceptable and unacceptable behavior?

                If so, what should the people in power do when others behave unacceptably?[/QUOTE]
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                • Profile picture of the author ThomM
                  Originally Posted by Hopeless Bromantic View Post

                  Do you agree that every civilization needs to define what constitutes acceptable and unacceptable behavior?

                  If so, what should the people in power do when others behave unacceptably?
                  [/QUOTE]
                  Since when has using force on another been acceptable behavior, except by those using the force?
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                  • Since when has using force on another been acceptable behavior, except by those using the force?[/QUOTE]

                    So if someone who's mentally ill and not at all connected to reality begins wandering the streets naked, while grabbing and kissing anyone nearby, he should be allowed just to go ahead and continue, because using force on him would not be acceptable? :confused:
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                    • Profile picture of the author ThomM
                      Originally Posted by Hopeless Bromantic View Post

                      Since when has using force on another been acceptable behavior, except by those using the force?
                      So if someone who's mentally ill and not at all connected to reality begins wandering the streets naked, while grabbing and kissing anyone nearby, he should be allowed just to go ahead and continue, because using force on him would not be acceptable? :confused:[/QUOTE]
                      Time for the ridiculous examples I see.
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                      • Originally Posted by ThomM View Post

                        So if someone who's mentally ill and not at all connected to reality begins wandering the streets naked, while grabbing and kissing anyone nearby, he should be allowed just to go ahead and continue, because using force on him would not be acceptable? :confused:
                        Time for the ridiculous examples I see.[/QUOTE]

                        I entertained your "ridiculous" position to its bitter end. If you're out of arguments with which to defend it, at least say so.
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      • Profile picture of the author MikeTucker
        Wow, I miss a week and it takes 20 minutes to find out where I was?

        Originally Posted by Joe Mobley View Post

        This would be a false assumption on your part.
        Again, another false assumption.
        Joe Mobley
        Thanks for responding, Joe, I always appreciate your POV.
        I do want to clarify that little bit-- I didn't write very clearly.
        I most certainly did not mean you specifically!

        The statement was supposed to be a description of me forming my ideas
        based on principles that I believe in, kind of my own personal "rule of thumb".

        Also, you were absolutely correct about this:

        Originally Posted by Joe Mobley View Post

        Let me start by saying that there are strong emotional feelings about this topic, including mine.

        Joe Mobley
        I came into this wanting to remain as objective as possible,
        but in the end I found that-- as so many people have pointed out--
        the "facts" can be spun to support any opinion we want, and it is
        very difficult to sort through it all to find an objective "truth".

        And as so many people have pointed out, there are so many
        important issues, and many of them may turn out to be mutually
        exclusive, so we have to choose what we stand for based on
        our values and priorities.

        I've always known this on some level, but this conversation has
        really illustrated it for me more than any previous.
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  • Profile picture of the author ronrule
    Holy Giant Image, Batman!
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    • Profile picture of the author TimPhelan
      I reduced it. I thought you were Batman, not Robin btw.
      Originally Posted by ronrule View Post

      Holy Giant Image, Batman!
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      • Profile picture of the author ronrule
        Originally Posted by TimPhelan View Post

        I reduced it. I thought you were Batman, not Robin btw.
        Personal identity crisis, lol.

        Ok, so you have some 2011 figures, that's a better start. Is it still census-based though? I can't remember exactly how the question was worded in print, but I remember a piece on NPR bitching about it - it was supposed to be about health insurance, not "coverage", so the correct answer for anyone covered by Medicaid should have been "no" but some answered "yes" and that created a gap. Frankly I don't see why we're using Census data for this anyway - wouldn't it be easier to just get a total from the heavily-regulated health insurance companies on how many customers they have and subtract that number from the general population to get an accurate figure?
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        • Profile picture of the author TimPhelan
          Originally Posted by ronrule View Post

          Is it still census-based though?
          I'm pretty sure they don't use the census much Ron, because they seem to come up with a number every year and the census is only every ten years.

          ...wouldn't it be easier to just get a total from the heavily-regulated health insurance companies on how many customers they have and subtract that number from the general population to get an accurate figure?
          Seems like a good way to me.
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          • Profile picture of the author Kay King
            You realize that this is not a good thing, right?
            I see it as a critical issue. However, I see a more complex issue than simply raising taxes on the rich (though I have no real problem with that, either). In times of crisis, debt is necessary but debt should not be used to finance a lifestyle for a person or a country.

            I'm all for a fairly distributed tax that provides enough revenue to run this country. We've lost the connection our forbears between taxation and spending. Raising taxes needs to be part of an equation where spending is in line with the money raised.

            What happens if the percentage of those not paying taxes - and the percentage of citizens receiving social benefits - continues to rise? Could we reach a point where the majority will vote only for those promising more and better benefits from the govt? I don't know if that could happen - but then there's Greece - and Detroit.

            My theory is if we had pay as we go for the wars we're fighting - by making everyone pay more in taxes to fund it and cut back on other spending, too - wars wouldn't last nearly as long.
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        • Profile picture of the author NewParadigm
          how can we even talk numbers when our most transparent administration ever won't/can't give us exact numbers of how many signed up, how many were previously insured, how many were already on the govt benefits, how many actually paid etc.....ALL the data is there for them to give exact numbers on everything. all the databases are linked up and they can easily get the info from participating insurers. It's scary that they don't know these numbers and worse if they just won't tell us.

          How could any business run under this scenario, how long would any of us be in business if we operated like that? how long would a ceo be in place if he/she told wall street they don't know the numbers?

          It screams fraud and breeds distrust.

          A total political snowjob. No wonder we had a long winter.




          Originally Posted by ronrule View Post

          Personal identity crisis, lol.

          Ok, so you have some 2011 figures, that's a better start. Is it still census-based though? I can't remember exactly how the question was worded in print, but I remember a piece on NPR bitching about it - it was supposed to be about health insurance, not "coverage", so the correct answer for anyone covered by Medicaid should have been "no" but some answered "yes" and that created a gap. Frankly I don't see why we're using Census data for this anyway - wouldn't it be easier to just get a total from the heavily-regulated health insurance companies on how many customers they have and subtract that number from the general population to get an accurate figure?
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          • Profile picture of the author Kay King
            I just heard a blurb that made me set my TV recorder.

            Cavuto on Fox Business Network has a show at 8 eastern time tonight and claims his team has isolated the real signup numbers.

            With most blurbs like that I'd just ignore - but I like Cavuto so interested in seeing what they've come up with.
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            • Profile picture of the author seasoned
              Originally Posted by Kay King View Post

              I just heard a blurb that made me set my TV recorder.

              Cavuto on Fox Business Network has a show at 8 eastern time tonight and claims his team has isolated the real signup numbers.

              With most blurbs like that I'd just ignore - but I like Cavuto so interested in seeing what they've come up with.
              Well, I won't bother putting down the numbers, but they don't look good. They say 50% didn't pay. Earlier it was 20%, but it makes sense that the last to subscribe are the last to pay. The total number went up, so the percentage of those that paid dropped. Still, if they don't pay, things aren't final.

              The whitehouse is saying things like the 3.1 million insured with parents aren't counted, but that is a BAD thing. They are a potential expense with no payment. For this to work, they want a person unlikely to use the insurance that HAS paid. So I wouldn't brag about that number being covered.

              If you pay for coverage in the winter, you don't want a piece of tissue paper. You want a nice big thick blanket! Likewise, you don't want an insurance policy, but an agreement with someone that has the resources to provide for your needs.

              Steve
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  • Profile picture of the author seasoned
    TL,

    Can you make up your mind if people have healthcare and if ACA will insure all This is dizzying!?

    Steve
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    • Profile picture of the author TLTheLiberator
      Originally Posted by seasoned View Post

      TL,

      Can you make up your mind if people have healthcare and if ACA will insure all This is dizzying!?

      Steve
      I will thank you for making me laugh.
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      • Profile picture of the author Midnight Oil
        Originally Posted by TLTheLiberator View Post

        I will thank you for making me laugh.
        What's really funny is you using a meme from a fictional character on two well known satire sites.
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  • Profile picture of the author seasoned
    BTW did you check out who was president in 1812?

    Steve
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  • Profile picture of the author seasoned
    One more thing TL. You will LOVE this! You say we LOVE state rights, etc.... OBVIOUSLY, NOW, your party LOVES to override state rights. I was looking for party platforms, and decided to settle for one run by some of your friends. It says your friends earlier fought for STATE and individual rights! Sound good? Well, maybe you should read it first:

    Democratic Party Platforms: Democratic Party Platform of 1856

    I'll make a comment elsewhere, and might even say what I would have done at the time.

    Steve
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    • Originally Posted by seasoned View Post

      One more thing TL. You will LOVE this! You say we LOVE state rights, etc.... OBVIOUSLY, NOW, your party LOVES to override state rights. I was looking for party platforms, and decided to settle for one run by some of your friends. It says your friends earlier fought for STATE and individual rights! Sound good? Well, maybe you should read it first:

      Democratic Party Platforms: Democratic Party Platform of 1856

      I'll make a comment elsewhere, and might even say what I would have done at the time.

      Steve
      Quick history lesson, Steve: most ideological conservatives were in the Democratic Party until it started to back the civil rights movement in the 1960s: that's when they decided to switch to the Republicans.
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      • Profile picture of the author seasoned
        Originally Posted by Hopeless Bromantic View Post

        Quick history lesson, Steve: most ideological conservatives were in the Democratic Party until it started to back the civil rights movement in the 1960s: that's when they decided to switch to the Republicans.
        Well, the dem platform CLAIMS they are somewhat conservative, it lays out specifics of the democrats even today, and today the same doublespeak is used.

        The republican platform is, at its base, what conservatives want today.

        SO, even if what you claimed were true, it is meaningless.

        HEY, ESTHER says that gentiles became jewish, to avoid the murders that would take place under the law passed to counter hamen's law in the persian empire. In 1940+ jewish had the catholics declare them gentile, so they could escape NAZI germany to avoid those murders. Still, NO DIFFERENCE! The jewish tenets, and gentile tenets are the same.

        The main DEMAND that weaves through the platform that TL and I linked to(His was a different URL, but JUST as stark in this point) was never in the republican platform. If SO many left that party, why is it even still around?

        If they were a minority, why the DEMAND, war, etc?

        Steve
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    • Profile picture of the author TLTheLiberator
      Originally Posted by seasoned View Post

      One more thing TL. You will LOVE this! You say we LOVE state rights, etc.... OBVIOUSLY, NOW, your party LOVES to override state rights. I was looking for party platforms, and decided to settle for one run by some of your friends. It says your friends earlier fought for STATE and individual rights! Sound good? Well, maybe you should read it first:

      Democratic Party Platforms: Democratic Party Platform of 1856

      I'll make a comment elsewhere, and might even say what I would have done at the time.

      Steve
      States rights has its place and some things the states can do better than the feds, but states rights IMHO should not override the rights of American citizens.

      Anyone who has paid attention to American political history knows that in the late 1850s the brand new republican party was the party of change but since the 1880s the party increasingly became the party of big business.

      I think the positions/attitudes of the two major parties have been set since the 1920s.

      Conservatives and anti-gov types with the republicans and progressives and pro-govt types with the democratic party.
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  • Profile picture of the author NewParadigm
    Debbie Wasserman Schultz called from the DNC, they want their talking points back.
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  • Profile picture of the author TLTheLiberator
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  • Profile picture of the author seasoned
    Younger people are ALSO leaving jobs! I guess they are retiring EARLIER also! EVERY variable is CHANGING!

    TL,

    You didn't read the last definition I put down. If republicans NEVER wanted change, they would simply do nothing or whatever, and the US would be VERY different from now. ICSAWLM!!!!!!

    NOPE, conservatives are most constitutionalist. That is they WERE anti change. NOW, they would like to see a lot of things changed BACK, like taxes, spending, ACA, etc.... THEY didn't change, OTHER things did.

    Steve
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  • Profile picture of the author Paul Myers
    This is ridiculous.

    Steve (seasoned) posts a double-dozen irrelevant comments, many of which are against the rules, and a handful of you act like drunks in a college bar. You disagree and you're going to ARGUE AND WIN, DAMMIT, even if it means getting tossed out of the place.

    In the mean time, you screw things up for the adults who are having civil conversations.
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    • Originally Posted by Paul Myers View Post

      This is ridiculous.

      Steve (seasoned) posts a double-dozen irrelevant comments, many of which are against the rules, and a handful of you act like drunks in a college bar. You disagree and you're going to ARGUE AND WIN, DAMMIT, even if it means getting tossed out of the place.
      Not me; I put the lackwit on Ignore. The rest of the people you're referring to should do the same.
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      • Profile picture of the author Paul Myers
        Originally Posted by Hopeless Bromantic View Post

        Not me; I put the lackwit on Ignore.
        Steve is hardly a lackwit. He has posting issues, but they're not to be mistaken for lack of intelligence.
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  • Profile picture of the author Michael Hawa
    Interesting post! The truth is we cannot afford it, our country is already falling under and this doesn't help us at all! My advice.... We all just need to take better care of our selves, especially the ones trying to get Free or cheap Health care on other hard working people expense.
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  • Profile picture of the author seasoned
    Oh well, I will leave it at that

    Steve
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  • Profile picture of the author TLTheLiberator
    In U.S., Uninsured Rate Lowest Since 2008 according to Gallup Poll of 45,000.

    In U.S., Uninsured Rate Lowest Since 2008


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    • Profile picture of the author ThomM
      Originally Posted by TLTheLiberator View Post

      In U.S., Uninsured Rate Lowest Since 2008 according to Gallup Poll of 45,000.

      In U.S., Uninsured Rate Lowest Since 2008


      Wow forcing people to buy health insurance has lowered the number of uninsured. How impressive. Notice the spike of uninsured just before the mandate went into effect?
      Also notice it was lower before 2008?
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      • Profile picture of the author TLTheLiberator
        Originally Posted by ThomM View Post

        Wow forcing people to buy health insurance has lowered the number of uninsured. How impressive. Notice the spike of uninsured just before the mandate went into effect?
        Also notice it was lower before 2008?
        Just like forcing people to buy car insurance has done the same.

        You can thank the great recession for the uptick in the amount of uninsured people.
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        • Profile picture of the author ThomM
          Originally Posted by TLTheLiberator View Post

          Just like forcing people to buy car insurance has done the same.
          Except I know plenty of people who don't need a car and aren't forced to buy one.
          Funny how the poll stopped at 2008 and not before.
          Was it because more people had insurance before 2008?
          The upward angle of the graph in 2008 certainly suggests that.
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        • Profile picture of the author seasoned
          Originally Posted by TLTheLiberator View Post

          Just like forcing people to buy car insurance has done the same.
          NOBODY forced people to buy car insurance! It was merely slowly required to have a ******CERTAIN LEVEL****** of insurance to get a drivers license or get a loan for a car.

          STILL.... That level may be NOWHERE near enough! Many are uninsured! Many don't understand how the insurance works! The INSURANCE companies still can use metrics to set rates! They can STILL insure based on parameters!

          Want proof? OK!
          1. I have been hit by uninsured drivers!(Not all drivers are insured)
          2. I was turned down by 21st century once because I was younger than 25!(turned down by parameter)
          3. I hit a person and saw my rate go up. I MOVED and saw my rate go up.(metrics to set rates)
          4. I once got into an argument with a coworker *****AND***** my boss! I went to the CAR RENTAL AGENCY, and insurer, and asked! They said I was RIGHT! If I let the other person drive, I would be PERSONALLY responsible(IN CASH), for any accident. MY insurance company wouldn't cover her, and HER insurance company wouldn't cover the car! Some car agencies would cover another NAMED driver for an added fee, whether you got their insurance or not. They would cover employees if a COMPANY used THEIR account to rent the car.(THEY didn't know the rules!)

          So don't use the CAR insurance example! It supports OUR case! BTW I heard of an accident with a guy that had insurance. He made a MINOR mistake, and didn't even hit anything, and was on the hook for a LOT OF MONEY! $1000,000!!!!!!! Do you think I bought the minimum legal coverage here? NO WAY!!!!!

          Steve
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      • Profile picture of the author Kay King
        Also notice it was lower before 2008?
        Of course it was. And it would have gone back to that rate if jobs were created - if the economy improved - and people could afford insurance payments or have jobs where it's a benefit provided by employers.

        Tons of new regulations have hindered small business growth - an atmosphere of uncertainty has led to stagnation in hiring. If job creation and business growth isn't the priority - all the social programs in the world won't cure this economy.
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        • Profile picture of the author Kay King
          Thom -

          I found a National Health Statistics pdf - interesting -

          1968:

          80% of the population had hospitalization insurance
          79% of the population had surgical insurance

          That number remained stable until 1980 and then began to decline.

          Oddly - the decline in those insured matched the increase in what was covered by insurance - and the increase in insurance costs as a result of covering more and rising medical costs.

          I've always thought the rising medical costs in the 80's and 90's in part correlated to the increased items covered by insurance.
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          • Profile picture of the author ThomM
            Originally Posted by Kay King View Post

            Thom -

            I found a National Health Statistics pdf - interesting -

            1968:

            80% of the population had hospitalization insurance
            79% of the population had surgical insurance

            That number remained stable until 1980 and then began to decline.

            Oddly - the decline in those insured matched the increase in what was covered by insurance - and the increase in insurance costs as a result of covering more and rising medical costs.

            I've always thought the rising medical costs in the 80's and 90's in part correlated to the increased items covered by insurance.
            What I thought was funny about the poll that TL posted was how wrong it actually is.
            First you can see there was a rise in uninsured shortly after Obama took office.
            Second even with the rise the uninsured rate was still lower in 2008 then it is currently. Unless I'm mistaken 14.6 is lower then 15.6 and 14.6 is what it went up to in 2008.
            Then the numbers continued to rise after the ACA passed and peaked when "If you like your insurance you can keep your insurance" was proven to be a lie.
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            • Profile picture of the author TLTheLiberator
              Originally Posted by ThomM View Post

              What I thought was funny about the poll that TL posted was how wrong it actually is.

              First you can see there was a rise in uninsured shortly after Obama took office.

              Second even with the rise the uninsured rate was still lower in 2008 then it is currently. Unless I'm mistaken 14.6 is lower then 15.6 and 14.6 is what it went up to in 2008.

              Then the numbers continued to rise after the ACA passed and peaked when "If you like your insurance you can keep your insurance" was proven to be a lie.
              You are entitled.
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              • Profile picture of the author ThomM
                Originally Posted by TLTheLiberator View Post

                You are entitled.
                If I'm wrong prove it.
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                • Profile picture of the author TLTheLiberator
                  Originally Posted by ThomM View Post

                  If I'm wrong prove it.
                  If you're wrong about exactly what?
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        • Profile picture of the author TLTheLiberator
          Originally Posted by Kay King View Post

          Of course it was. And it would have gone back to that rate if jobs were created - if the economy improved - and people could afford insurance payments or have jobs where it's a benefit provided by employers.

          Tons of new regulations have hindered small business growth - an atmosphere of uncertainty has led to stagnation in hiring. If job creation and business growth isn't the priority - all the social programs in the world won't cure this economy.

          That's another silly meme saying that tons of regulations have hindered business growth is just attempted cover for folks that aren't in favor of the investments we need to make as a nation in our nation - So just blame it on over-regulation.

          The BLS said that something like less than 2% of 1% of jobs have been lost because of regulations - on small businesses or anyone else.

          The economy sucks because its missing 6-10 million decent paying jobs that were there before the economy tanked.

          Consumers spending money is what makes this economy go.


          You said...

          If job creation and business growth isn't the priority - all the social programs in the world won't cure this economy.

          I say...

          No kidding.

          Social programs are not intended to fix the American economy they are designed to fill a need.

          And...

          There's no way possible that your overriding economic philosophy will cure this economy.

          It just isn't logistically possible.
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          • Profile picture of the author seasoned
            Originally Posted by TLTheLiberator View Post

            That's another silly meme saying that tons of regulations have hindered business growth is just attempted cover for folks that aren't in favor of the investments we need to make as a nation in our nation - So just blame it on over-regulation.
            You can fight it all you want, but if you succeed, it becomes impractical, and the insurance becomes WORTHLESS!

            The BLS said that something like less than 2% of 1% of jobs have been lost because of regulations - on small businesses or anyone else.
            That's certainly a LIE, especially in light of all the jobs lost recently. ODDLY, they may show MORE people employed because unemployed will fall off the rolls or give up, and some people now have to get MORE JOBS!!!!!!!

            And DON'T FORGET nancy pelosi says that unemployment is GOOD, creates jobs, etc....

            https://www.youtube.com/watch?v=oE-z38pXUAo

            She ALSO says you can/should quit your job because you won't lose it, etc:

            https://www.youtube.com/watch?v=VmL37TcBtpY


            The economy sucks because its missing 6-10 million decent paying jobs that were there before the economy tanked.
            EXACTLY!!!!!

            Consumers spending money is what makes this economy go.
            NOPE, you have it BACKWARDS!!!!!!!!! Spending money does NOT "make the economy go". If you believed that, let's just pay everyone a trillion dollars!

            NOPE! The economy goes because of NEED, and the money SUSTAINS it by shifting from one side to the other. If a provider doesn't get enough RETURN(Which leads to PROFIT, BTW), then they can't get enough to keep it going and won't have the incentive. If enough providers go out of business, the money will be WORTHLESS!!!!!!!! Think of the economy as being LIFE. The money is BLOOD. If there is life, the blood circulates, is replaced, and life goes on. If the blood is destroyed or lost, life, AND THE BLOOD, CEASES. If life ceases, blood ALSO ceases.

            There is money ALL OVER! HECK, there are GAMES sold with MONOPOLY MONEY! Disneyland sells DISNEY MONEY. WHY is its value SO limited? Because the companies can't use it to sustain themselves. THAT makes the money WORTHLESS.


            If job creation and business growth isn't the priority - all the social programs in the world won't cure this economy.

            I say...

            No kidding.

            Social programs are not intended to fix the American economy they are designed to fill a need.

            And...

            There's no way possible that your overriding economic philosophy will cure this economy.

            It just isn't logistically possible.
            But the social programs are like money! If they become impractical for the providers, they will become WORTHLESS! If they take too much from the economy, it will SHUT DOWN! Once this happens, all the money in the world, LITERALLY, won't start it up! OTHER people will have to come in and find OTHER comfort to create ANOTHER system and have OTHER PROVIDERS, etc.....

            Steve
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    • Profile picture of the author seasoned
      Originally Posted by TLTheLiberator View Post

      In U.S., Uninsured Rate Lowest Since 2008 according to Gallup Poll of 45,000.

      In U.S., Uninsured Rate Lowest Since 2008


      The question is an IDIOTIC one, and an honest answer including ACA results would not be available at this point. So CLEARLY, this graph is WORTHLESS for that!

      Steve
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  • Profile picture of the author NewParadigm
    The best way to insure the most people possible?

    JOBS.

    The rise of the uninsured is directly related to the terrible hollowed out economy from the obama admin.

    the BLS is outright lying (and the complicit media) about the unemployment rate by only publishing the rigged rate and not the total RECORD amount of people actually out of work and actually underemployed (taking PT work). They are saying a RECORD low amount of people are actually "looking" for work called the labor participation rate. They are saying a record high amount of people don't need/are not looking for work. Who the heck can decide NOT to work? unless you are truly retired or you are on major govt benefits. There are scary stats that a majority of Americans have less than 25k saved up for retirement, so it isn't people truly retiring that is causing the participation rate to be so low. It's a BLS scam.

    How can they possibly reconcile the lowered jobless rate and RECORD high number of people on food stamps???? and more and more going to permanent disability benefits (another huge abused program by scammers)

    Then the liar Pelosi says they have freed people from "JOBLOCK" to pursue their passions? Gee, so working is a choice for most people? Can they really choose not to pay their bills? and go learn how to be a potter?

    Also the liars in DC deceive the public about SS for years, saying it could go bankrupt, using cheap fear mongering tactics. That is such a big lie. SS is NOT a lockbox stand alone fund. It is a general line item expense just like anything else in the govt budget. But SS does have its own revenue generation component via the SS tax which corrupt DC politicos have been spending on other things during the "surplus" years. The only way SS can go "bankrupt" is when politicians say its bankrupt and decide to reduce benefits paid via cuts or qualifiers etc..
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    • Profile picture of the author TimPhelan
      Originally Posted by NewParadigm View Post

      The best way to insure the most people possible?

      JOBS.
      Really? So, more jobs is going to get 100% of the population covered like a single payer system would? Nope.

      By the way, the rise of the uninsured is partially related to the effects of the great recession which started in 2007.
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      • Profile picture of the author SteveJohnson
        Originally Posted by TimPhelan View Post

        Really? So, more jobs is going to get 100% of the population covered like a single payer system would? Nope.

        By the way, the rise of the uninsured is partially related to the effects of the great recession which started in 2007.
        What good is 100% coverage if there isn't any money to pay for it? I suppose you could raise the tax rates to 100% too, and then the government could manage everything.
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        • Profile picture of the author TimPhelan
          Originally Posted by SteveJohnson View Post

          What good is 100% coverage if there isn't any money to pay for it? I suppose you could raise the tax rates to 100% too, and then the government could manage everything.
          Sure, 100% coverage wouldn't be any good if a country couldn't afford it but I don't think it's accurate to say we can't afford it. Why is it dozens of other countries are able to afford it but you assume we can't? Are we just too stupid? Paul made a good point earlier:

          I remember when the US refused to be second place to anyone, in anything. We didn't just assert that we could do better. We went out and bloody well did it, or at least gave it one hell of an effort.

          What happened to that insistence on excellence rather than excuses?
          I don't understand this defeatest attitide that is so prevalent these days in the US. We used to have a "can-do" attitude, now it's "no we can't so let's not even try" attitude. :/
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          • Profile picture of the author ThomM
            Originally Posted by TimPhelan View Post

            Sure, 100% coverage wouldn't be any good if a country couldn't afford it but I don't think it's accurate to say we can't afford it. Why is it dozens of other countries are able to afford it but you assume we can't? Are we just too stupid? Paul made a good point earlier:



            I don't understand this defeatest attitide that is so prevalent these days in the US. We used to have a "can-do" attitude, now it's "no we can't so let's not even try" attitude. :/
            Look at what we spend on defense compared to other countries.
            U.S. defense spending compared to other countries | pgpf.org
            How many other countries have military bases all over the world?
            History News Network | The Arithmetic of America's Military Bases Abroad: What Does It All Add Up to?
            How many other countries have the corporate welfare we have?
            Where to Cut the Federal Budget? Start by Killing Corporate Welfare - Forbes

            How many other countries lay out as much federal aid to other countries as we do?
            How Much Foreign Aid Does the U.S. Give Away?
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            • Profile picture of the author TimPhelan
              I agree we have our priorities screwed up Thom. Others don't seem to think so though. Paul Ryan's budgets always increase military spending and never cut corporate welfare. Food stamps? Yes. Unemployement extensions? Yes. Etc...

              Originally Posted by ThomM View Post

              Look at what we spend on defense compared to other countries.
              U.S. defense spending compared to other countries | pgpf.org
              How many other countries have military bases all over the world?
              History News Network | The Arithmetic of America's Military Bases Abroad: What Does It All Add Up to?
              How many other countries have the corporate welfare we have?
              Where to Cut the Federal Budget? Start by Killing Corporate Welfare - Forbes

              How many other countries lay out as much federal aid to other countries as we do?
              How Much Foreign Aid Does the U.S. Give Away?
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              • Profile picture of the author Kay King
                Yes, priorities are screwed up....but why the need to point to "ryan's budget" - it's not the law but only a proposal that's never passed. Since it isn't law - it hasn't screwed up anything.

                I found an interesting graph not long ago - had to dig in my history to find it again. It's interactive - and you can compare five countries.

                Comparing Debt Ratios - WSJ.com

                US and China seem to be there by default. Add Greece - then add 2 more countries - France, UK, Germany, Australia, whatever.
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                • Profile picture of the author TimPhelan
                  Originally Posted by Kay King View Post

                  Yes, priorities are screwed up....but why the need to point to "ryan's budget" - it's not the law but only a proposal that's never passed. Since it isn't law - it hasn't screwed up anything.
                  Because it shows that many don't think our priorities are srewed up. They want to spend more on the military, keep corporate welfare etc... In other words, it's this thinking that's keeping things screwed up.
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                  • Profile picture of the author Kay King
                    I disagree - thinking doesn't screw anything up.

                    It's the "doing" that's the problem.

                    We'd be better off as a country if we'd think more and react less.
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                    • Profile picture of the author TimPhelan
                      Originally Posted by Kay King View Post

                      I disagree - thinking doesn't screw anything up.

                      It's the "doing" that's the problem.

                      We'd be better off as a country if we'd think more and react less.
                      So, not recognizing a problem exists isn't a problem in itself?
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                      • Profile picture of the author MikeAmbrosio
                        Originally Posted by TimPhelan View Post

                        So, not recognizing a problem exists isn't a problem in itself?
                        Tim - you are assuming that everything you may see as a problem everyone sees as a problem.

                        It doesn't work that way. Things aren't always so obvious to different people.
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                        • Profile picture of the author TimPhelan
                          Originally Posted by MikeAmbrosio View Post

                          Tim - you are assuming that everything you may see as a problem everyone sees as a problem.

                          It doesn't work that way. Things aren't always so obvious to different people.
                          I'm not assuming that at all. We were discussing the "doing" as opposed to "thinking about doing" in regards to a problem, not what our perception of the problem is. My point was inaction and/or keeping the status quo is in a way the same as "doing". You are right though, not all see our military spending or our health care system as a problem and to me that is a problem.
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                • Profile picture of the author seasoned
                  Originally Posted by Kay King View Post

                  Yes, priorities are screwed up....but why the need to point to "ryan's budget" - it's not the law but only a proposal that's never passed. Since it isn't law - it hasn't screwed up anything.

                  I found an interesting graph not long ago - had to dig in my history to find it again. It's interactive - and you can compare five countries.

                  Comparing Debt Ratios - WSJ.com

                  US and China seem to be there by default. Add Greece - then add 2 more countries - France, UK, Germany, Australia, whatever.
                  WOW!

                  And LOOK AT THIS:

                  NEGATIVE OUTLOOK:
                  NEW ZEALAND
                  SLOVENIA
                  JORDAN
                  ICELAND
                  HUNGARY
                  Belgium
                  Portugal
                  US
                  Italy
                  Ireland
                  Greece
                  Japan


                  >90% DEBT
                  Belgium
                  Portugal
                  US
                  Italy
                  Ireland
                  Greece
                  Japan

                  SHOWS NO IMPROVEMENT
                  Belgium
                  US
                  SLOVENIA
                  Japan
                  Portugal

                  SO, we are in the short list of FIVE nations! I guess slovenia has just been on hard times, because it is the ONLY one on the short list to have a debt of less than 90%. BTW ALL lists, except negative ranking, are in approximate order of best-worst health.

                  SO, if the current stats and rankings are right, the order of failures will be:
                  portugal, japan, us, belgium. Slovenia might just start improving.

                  Steve
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              • Profile picture of the author ThomM
                Originally Posted by TimPhelan View Post

                I agree we have our priorities screwed up Thom. Others don't seem to think so though. Paul Ryan's budgets always increase military spending and never cut corporate welfare. Food stamps? Yes. Unemployement extensions? Yes. Etc...
                Both sides of the aisle are screwing us Tim, I've been saying that for years.
                There used to be a time they worked to together, but those days are long gone.
                Now it's "my way or the highway" with both sides.
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                • Profile picture of the author TimPhelan
                  Originally Posted by ThomM View Post

                  Both sides of the aisle are screwing us Tim, I've been saying that for years.
                  There used to be a time they worked to together, but those days are long gone.
                  Now it's "my way or the highway" with both sides.
                  Yep. I long for those days when they worked together to screw us. Bipartisan screwing is the best.
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                  • Profile picture of the author ThomM
                    Originally Posted by TimPhelan View Post

                    Yep. I long for those days when they worked together to screw us. Bipartisan screwing is the best.
                    I'm not talking about THOSE days Tim
                    But think about what that says for both parties, when the times they do agree and do work together we get the shaft.
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          • Profile picture of the author SteveJohnson
            Originally Posted by TLTheLiberator View Post

            Let's talk about...


            Govt. Regulations Slowing Down Business?

            You said...

            "Allowing businesses to thrive without the clamped fist of government surrounding them is unthinkable." (I guess you mean people like myself)

            "They would also have you believe that over-regulation has no effect on the private sector in terms of investment, business startups, and job creation even though it has been shown to be otherwise."

            Let me try to understand exactly what you're saying.

            Are you saying that over-regulation by govs, local, state and/or the feds is strangling small business startups and growth?
            Originally Posted by TLTheLiberator View Post

            I just want to be sure he said what he meant and meant what he said so I'll wait for him to respond.
            I don't think I could have said it more clearly. Obviously, you believe you have laid a devious trap that I have just stepped into by affirming my opinion. So, knock yourself out.

            Originally Posted by TimPhelan View Post

            Sure, 100% coverage wouldn't be any good if a country couldn't afford it but I don't think it's accurate to say we can't afford it. Why is it dozens of other countries are able to afford it but you assume we can't? Are we just too stupid? Paul made a good point earlier:

            I don't understand this defeatest attitide that is so prevalent these days in the US. We used to have a "can-do" attitude, now it's "no we can't so let's not even try" attitude. :/
            I don't have a defeatist attitude, quite the opposite, actually.

            I didn't say anywhere that we couldn't afford it (although many families may be thinking just that: Health Plan Premiums Are Skyrocketing According To New Survey Of 148 Insurance Brokers, With Delaware Up 100%, California 53%, Florida 37%, Pennsylvania 28% - Forbes). The U.S. GDP more than covers the cost of healthcare.

            We just differ on whether it is right and proper function of government to take over such a large chunk of the US economy. Sure, we could do it. But should we do it this way?

            My attitude is not, "we can't so let's not even try," it is "we shouldn't because it is not the least intrusive way to fix the problem."
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            • Profile picture of the author TimPhelan
              Originally Posted by SteveJohnson View Post

              I didn't say anywhere that we couldn't afford it.
              Hmm. You said "What good is 100% coverage if there isn't any money to pay for it?". That seems like a statement saying we can't afford it.

              We just differ on whether it is right and proper function of government to take over such a large chunk of the US economy. Sure, we could do it. But should we do it this way?
              OK. I think single payer universal coverage is the way. Let me ask you this Steve, is universal coverage an important goal for you? If so, how do you achieve it?
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              • Profile picture of the author SteveJohnson
                Originally Posted by TimPhelan View Post

                Hmm. You said "What good is 100% coverage if there isn't any money to pay for it?". That seems like a statement saying we can't afford it.
                Obviously, since the U.S. government is borrowing money just to pay its obligations, it can't afford it. That's just common sense. One of the questions then becomes, "should we tax the people more so we can pay for all this stuff, or should we back off on the 'stuff we have to pay for' list?"

                I say, back off on the list. You say, "raise taxes". That's fine. Your values are different than mine, as evidenced by my answer to your next question:

                Originally Posted by TimPhelan View Post

                OK. I think single payer universal coverage is the way. Let me ask you this Steve, is universal coverage an important goal for you? If so, how do you achieve it?
                No, it is not.
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                • Profile picture of the author TimPhelan
                  Confusing. You imply that we can't afford it and then say you never said that, then say we can't afford it.

                  I think we can't afford to keep doing what we have been doing. We spend more on defense than the other top 10 countries combined and yet we can't find the money to spend on a universal health care system? You assume I just want to raise taxes to pay for a single payer but I am also in favor in cutting back on spending in areas such as those that Thom listed.

                  Yes, my values say we should have universal health care because I don't like seeing my fellow citizen die or go broke because they don't have coverage, even if they are stupid.

                  By the way, what freedom are we losing in a single payer system?

                  Originally Posted by SteveJohnson View Post

                  Obviously, since the U.S. government is borrowing money just to pay its obligations, it can't afford it. That's just common sense. One of the questions then becomes, "should we tax the people more so we can pay for all this stuff, or should we back off on the 'stuff we have to pay for' list?"

                  I say, back off on the list. You say, "raise taxes". That's fine. Your values are different than mine, as evidenced by my answer to your next question:


                  No, it is not.
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                  • Profile picture of the author SteveJohnson
                    Originally Posted by TimPhelan View Post

                    Confusing. You imply that we can't afford it and then say you never said that, then say we can't afford it.

                    I think we can't afford to keep doing what we have been doing. We spend more on defense than the other top 10 countries combined and yet we can't find the money to spend on a universal health care system? You assume I just want to raise taxes to pay for a single payer but I am also in favor in cutting back on spending in areas such as those that Thom listed.

                    Yes, my values say we should have universal health care because I don't like seeing my fellow citizen die or go broke because they don't have coverage, even if they are stupid.

                    By the way, what freedom are we losing in a single payer system?
                    We don't spend more on defense than other countries as a percentage of GDP.

                    Regardless of that, defense spending that we do is not on defense. It is military spending. Big difference.

                    We could probably (and this is just a wild guess) cut military spending by at least 50% if we weren't so involved in the defense of other nations. How much do we spend keeping the NKs out of South Korea? How much do we spend on NATO? How much do we spend in Europe maintaining their defenses?

                    I don't like seeing people die or go broke because of medical costs either. I think the drug companies make too much money. But I also think they ought to be able to spread the cost for new drugs over all of their customer base. Other countries' drug pricing restrictions place the burden on us. Maybe part of the answer is ensuring that the cost of innovation is spread equally.

                    You assume I just want to raise taxes to pay for a single payer but I am also in favor in cutting back on spending in areas such as those that Thom listed.
                    I'm in favor of cutting spending in those areas, too, at least on that we agree. What I am not in favor of is transferring the savings to a single-payer system, or the ACA. I would rather see a set of solutions that solves the problem of the rapidly escalating cost of health care - or attempts to - in a fashion that adversely affects the fewest people as possible. The ACA doesn't do that.
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                  • Profile picture of the author SteveJohnson
                    Originally Posted by TimPhelan View Post

                    ...By the way, what freedom are we losing in a single payer system?
                    I realized that I didn't answer your question.

                    The simple nature of forced participation implies a loss of freedom.

                    The ACA does this in a number of ways, to several groups of people.

                    It reduces the freedom of individuals to determine what level of health insurance they decide to carry or not carry, firstly by penalizing the choice of not carrying insurance at all and secondly by mandating that all insurance policies cover certain benefits that may or may not be desired or needed by the insured.

                    It reduces the liberty of younger people to determine by themselves their spending priorities by forcing them to subsidize the care and treatment costs of other groups.

                    Those are just two examples. I could come up with many more.
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                    • Originally Posted by SteveJohnson View Post

                      I realized that I didn't answer your question.

                      The simple nature of forced participation implies a loss of freedom.

                      The ACA does this in a number of ways, to several groups of people.
                      From the taxpayers' perspective, freedom is already lost because they have to pay for emergency room care for the indigent.

                      Supposing - just for argument's sake - that the ACA results in most taxpayers paying less, why wouldn't that be an increase in freedom?
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                      • Profile picture of the author SteveJohnson
                        Originally Posted by Hopeless Bromantic View Post

                        From the taxpayers' perspective, freedom is already lost because they have to pay for emergency room care for the indigent.

                        Supposing - just for argument's sake - that the ACA results in most taxpayers paying less, why wouldn't that be an increase in freedom?
                        I totally agree with the first, and agree that it's a problem needing a solution.

                        You can suppose all you want that most taxpayers will pay less, but it is a fallacy.

                        49-State Analysis: Obamacare To Increase Individual-Market Premiums By Average Of 41% - Forbes
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                        • Originally Posted by SteveJohnson View Post

                          I totally agree with the first, and agree that it's a problem needing a solution.

                          You can suppose all you want that most taxpayers will pay less, but it is a fallacy.
                          That's what "just for argument's sake" means, dude. That you're supposed to forget about whether or not it's accurate - for now - and just answer the question based on the assumption that it is. Geesh!
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                          • Profile picture of the author SteveJohnson
                            Originally Posted by Hopeless Bromantic View Post

                            ...

                            Supposing - just for argument's sake - that the ACA results in most taxpayers paying less, why wouldn't that be an increase in freedom?
                            Originally Posted by Hopeless Bromantic View Post

                            That's what "just for argument's sake" means, dude. That you're supposed to forget about whether or not it's accurate - for now - and just answer the question based on the assumption that it is. Geesh!
                            LOL, ok, I'll bite.

                            No, it would not be an increase in freedom because now there is no choice as to whether or not to purchase insurance in the first place, and less freedom to choose an insurance plan that fits your needs and budget because all the extra junk the ACA mandates.
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                            • Originally Posted by SteveJohnson View Post

                              LOL, ok, I'll bite.

                              No, it would not be an increase in freedom because now there is no choice as to whether or not to purchase insurance in the first place, and less freedom to choose an insurance plan that fits your needs and budget because all the extra junk the ACA mandates.
                              (Thanks for biting!) So...why wouldn't the tax savings cancel out this decrease in freedom to choose a plan?
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                              • Profile picture of the author SteveJohnson
                                Originally Posted by Hopeless Bromantic View Post

                                (Thanks for biting!) So...why wouldn't the tax savings cancel out this decrease in freedom to choose a plan?
                                How can you 'cancel out' a loss of liberty? With 'security'?

                                I tend to agree with Benjamin Franklin on this one.
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                    • Profile picture of the author TimPhelan
                      I wish the ACA was single payer but it isn't.
                      Originally Posted by SteveJohnson View Post

                      I realized that I didn't answer your question.

                      The simple nature of forced participation implies a loss of freedom.

                      The ACA does this in a number of ways, to several groups of people.

                      It reduces the freedom of individuals to determine what level of health insurance they decide to carry or not carry, firstly by penalizing the choice of not carrying insurance at all and secondly by mandating that all insurance policies cover certain benefits that may or may not be desired or needed by the insured.

                      It reduces the liberty of younger people to determine by themselves their spending priorities by forcing them to subsidize the care and treatment costs of other groups.

                      Those are just two examples. I could come up with many more.
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                • Profile picture of the author lanfear63
                  Originally Posted by SteveJohnson View Post

                  Obviously, since the U.S. government is borrowing money just to pay its obligations, it can't afford it. That's just common sense. One of the questions then becomes, "should we tax the people more so we can pay for all this stuff, or should we back off on the 'stuff we have to pay for' list?"

                  I say, back off on the list. You say, "raise taxes". That's fine. Your values are different than mine, as evidenced by my answer to your next question:


                  No, it is not.
                  Raise taxes, yes of course you do (proportionately). That's the only real way you pay for it unless you are super rich with some resource you can sell and use to subsidise it. That's how all the other countries that have it maintain this basic human need.! The standard of living I had in the UK was pretty much the same as I have here. Everything adjusts accordingly over time.
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          • Profile picture of the author Kay King
            I think the attitude has become "why bother". Modern technology has given us access to how govt works in a way we couldn't access before. It's not pretty on either side.

            Everywhere you turn - online, news media, whatever - it seems every small thing results in outrage and ridiculous claims that are highly exaggerated most of the time.

            Views become calloused and the belief in govt "for the people" is tarnished. Also, sometimes you realize just how stupid people are and wonder why you care what happens to them....the short video below would be hilarious it it weren't true....

            Watters
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            • Profile picture of the author SteveJohnson
              Originally Posted by Kay King View Post

              I think the attitude has become "why bother". Modern technology has given us access to how govt works in a way we couldn't access before. It's not pretty on either side.

              Everywhere you turn - online, news media, whatever - it seems every small thing results in outrage and ridiculous claims that are highly exaggerated most of the time.

              Views become calloused and the belief in govt "for the people" is tarnished. Also, sometimes you realize just how stupid people are and wonder why you care what happens to them....the short video below would be hilarious it it weren't true....

              Watters
              I am proud to say that I am on the opposite of the concert-goers -- I could identify all 3. On the other hand, I wouldn't know Katy Perry if she sat down next to me on a bus.

              Nor would I care, if I did know
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  • Profile picture of the author SteveJohnson
    The big-government nanny-state group would have you believe that 'investing in our infrastructure' is what will drive the economy upward.

    They would also have you believe that over-regulation has no effect on the private sector in terms of investment, business startups, and job creation even though it has been shown to be otherwise.

    That there is no money for investment without thriving business is lost on these folks. Not lost, I suppose, but immaterial. Their answer is to print more money and inject it through the Fed, or borrow it from China. Backing off on some regulation - getting the nanny out of the way - is anathema to them. Allowing businesses to thrive without the clamped fist of government surround them is unthinkable. Allowing uncontrolled business is almost as horrible as ... I don't know, Godzilla attacking the Statue of Liberty.

    Hopeless Bro asked the question, "Do you agree that every civilization needs to define what constitutes acceptable and unacceptable behavior?"

    I think everyone agrees that it does. The question is what those definitions entail and how broadly they encroach upon the rights of the people in the society. How much control should the government have over the governed?

    Some of you want the government to have more control than it does now, with less accountability, some of us want less, with more accountability. Some people don't mind giving up freedom for security, some of us do.

    Inevitably, those who want to control the rest of us, for whatever reason - forcing a government-run single-payer health care system, or any number of other nanny-state schemes - will overstep their bounds, sooner or later.

    So Mike, here's the answer to the question you posed at the beginning of the thread: a single-payer system trades freedom for security. Whether that's acceptable to you is a question you answer for yourself. To a lot of us, it is an unacceptable trade.
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    • Profile picture of the author Joe Mobley
      Originally Posted by SteveJohnson View Post

      a single-payer system trades freedom for security.
      A single-payer (read: Federal Government administered) system trades freedom for (a false sense of but actually less) security.

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    • Profile picture of the author TLTheLiberator
      Originally Posted by SteveJohnson View Post

      The big-government nanny-state group would have you believe that 'investing in our infrastructure' is what will drive the economy upward.

      They would also have you believe that over-regulation has no effect on the private sector in terms of investment, business startups, and job creation even though it has been shown to be otherwise.

      That there is no money for investment without thriving business is lost on these folks. Not lost, I suppose, but immaterial. Their answer is to print more money and inject it through the Fed, or borrow it from China. Backing off on some regulation - getting the nanny out of the way - is anathema to them.

      Allowing businesses to thrive without the clamped fist of government surround them is unthinkable. Allowing uncontrolled business is almost as horrible as ... I don't know, Godzilla attacking the Statue of Liberty.

      Hopeless Bro asked the question, "Do you agree that every civilization needs to define what constitutes acceptable and unacceptable behavior?"

      I think everyone agrees that it does. The question is what those definitions entail and how broadly they encroach upon the rights of the people in the society. How much control should the government have over the governed?

      Some of you want the government to have more control than it does now, with less accountability, some of us want less, with more accountability. Some people don't mind giving up freedom for security, some of us do.

      Inevitably, those who want to control the rest of us, for whatever reason - forcing a government-run single-payer health care system, or any number of other nanny-state schemes - will overstep their bounds, sooner or later.

      So Mike, here's the answer to the question you posed at the beginning of the thread: a single-payer system trades freedom for security. Whether that's acceptable to you is a question you answer for yourself. To a lot of us, it is an unacceptable trade.

      Let's talk about...


      Govt. Regulations Slowing Down Business?

      You said...

      "Allowing businesses to thrive without the clamped fist of government surrounding them is unthinkable." (I guess you mean people like myself)

      "They would also have you believe that over-regulation has no effect on the private sector in terms of investment, business startups, and job creation even though it has been shown to be otherwise."

      Let me try to understand exactly what you're saying.

      Are you saying that over-regulation by govs, local, state and/or the feds is strangling small business startups and growth?
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      • Profile picture of the author Kay King
        Let me try to understand exactly what you're saying.
        You quote what Steve said - and then ask him if that's what he said?

        New Regulations Batter The Middle Class. Obama Changes The Subject. - Forbes

        Government report finds regulations have spiked under Obama | TheHill

        Small Business Regulations Surge Under Obama - Forbes

        The number of regulations passed has not exceeded previous administrations by that much - but the scope and the cost to implement them is considerably higher.

        Adding more regulations is business as usual for any administration. But in an economic climate when businesses are struggling to avoid layoffs and keep their doors open - they need support, not more regulatory burdens.
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        • Profile picture of the author TLTheLiberator
          Originally Posted by Kay King View Post

          You quote what Steve said - and then ask him if that's what he said?

          New Regulations Batter The Middle Class. Obama Changes The Subject. - Forbes

          Government report finds regulations have spiked under Obama | TheHill

          Small Business Regulations Surge Under Obama - Forbes

          The number of regulations passed has not exceeded previous administrations by that much - but the scope and the cost to implement them is considerably higher.

          Adding more regulations is business as usual for any administration. But in an economic climate when businesses are struggling to avoid layoffs and keep their doors open - they need support, not more regulatory burdens.
          I just want to be sure he said what he meant and meant what he said so I'll wait for him to respond.
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        • Originally Posted by Kay King View Post

          Adding more regulations is business as usual for any administration. But in an economic climate when businesses are struggling to avoid layoffs and keep their doors open - they need support, not more regulatory burdens.
          Why would we want to support businesses that continue their rounds of layoffs when they "replace" those jobs in China and India? Some ideologues might call that trading security for freedom, but to most of us, (to paraphrase Steve) it's an unacceptable trade.
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          • Profile picture of the author SteveJohnson
            Originally Posted by Hopeless Bromantic View Post

            Why would we want to support businesses that continue their rounds of layoffs when they "replace" those jobs in China and India? Some ideologues might call that trading security for freedom, but to most of us, (to paraphrase Steve) it's an unacceptable trade.
            Your answer to a problem is always more regulation. You refuse to accept that less regulation may be a better solution. You would rather have jobs go overseas than back off on the regulatory fist that forced them there. The workers who lost their jobs suffer for it, but that doesn't seem to matter as much as maintaining or increasing control.
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            • Originally Posted by SteveJohnson View Post

              Your answer to a problem is always more regulation. You refuse to accept that less regulation may be a better solution. You would rather have jobs go overseas than back off on the regulatory fist that forced them there.
              You have it completely bass-ackwards: less regulation lets US companies ship jobs overseas. Most other countries (and the US until recently) classified products made by such workers as imports.
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              • Profile picture of the author SteveJohnson
                Originally Posted by Hopeless Bromantic View Post

                You have it completely bass-ackwards: less regulation lets US companies ship jobs overseas. Most other countries (and the US until recently) classified products made by such workers as imports.
                Your comment illustrates my point perfectly. Your inclination, on seeing some condition you don't like, is to regulate. That the regulations may cause an adverse effect doesn't matter as much as maintaining control.

                Mine, on the other hand, is to look at why U.S. companies are finding it advantageous to shift jobs overseas and determine and implement ways to help US companies be more competitive in the world market so it isn't an economic necessity to shift the jobs.
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                • Originally Posted by SteveJohnson View Post

                  Your comment illustrates my point perfectly. Your inclination, on seeing some condition you don't like, is to regulate. That the regulations may cause an adverse effect doesn't matter as much as maintaining control.

                  Mine, on the other hand, is to look at why U.S. companies are finding it advantageous to shift jobs overseas and determine and implement ways to help US companies be more competitive in the world market so it isn't an economic necessity to shift the jobs.
                  And that's your fatal mistake. US companies don't shift jobs out of economic necessity; they shift them because 1) it translates to greater profits, and 2) they can.
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                  • Profile picture of the author SteveJohnson
                    Originally Posted by Hopeless Bromantic View Post

                    And that's your fatal mistake. US companies don't shift jobs out of economic necessity; they shift them because 1) it translates to greater profits, and 2) they can.
                    Yours is in believing that because they can, they will, and your answer is to force them not to.

                    The eventual outcome of that is to make American business so unable to compete on the world market that they cannot stay in business.
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                    • Originally Posted by SteveJohnson View Post

                      Yours is in believing that because they can, they will,...
                      That's how capitalism works. If it increases profit, you do it.

                      ...and your answer is to force them not to.
                      And if nobody forced them not to (by making it too expensive), why wouldn't they?
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                      • Profile picture of the author SteveJohnson
                        Originally Posted by Hopeless Bromantic View Post

                        That's how capitalism works. If it increases profit, you do it.


                        And if nobody forced them not to (by making it too expensive), why wouldn't they?
                        That is so untrue, and I think you know it.

                        Why wouldn't they? Lots of reasons - moving production overseas isn't a cheap undertaking, or the owners of the company value keeping their employees over a small increase in profit, or raw materials are not available, or they value that they can continue to claim, "Made in USA".

                        You have a very cynical view of business and business people in general, don't you?
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                        • Profile picture of the author TimPhelan
                          New Rand study just came out and shows 9.3 million more insured now than in Sept 2013 and this is a net gain.

                          At least 9.3 million more Americans have health insurance now than in September 2013, virtually all of them as a result of the law.

                          That's a net figure, accommodating all those who lost their individual health insurance because of cancellations. The Rand study confirms other surveys that placed the number of people who lost their old insurance and did not or could not replace it -- the focus of an enormous volume of anti-Obamacare rhetoric -- at less than 1 million. The Rand experts call this a "very small" number, less than 1% of the U.S. population age 18 to 64.


                          --The number of people getting insurance through their employers increased by 8.2 million.



                          Rand's Obamacare stats: 9.3 million new insureds, and counting - latimes.com
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                        • Originally Posted by SteveJohnson View Post

                          That is so untrue, and I think you know it.

                          Why wouldn't they? Lots of reasons - moving production overseas isn't a cheap undertaking, or the owners of the company value keeping their employees over a small increase in profit, or raw materials are not available, or they value that they can continue to claim, "Made in USA".

                          You have a very cynical view of business and business people in general, don't you?
                          Not cynical at all: every corporation has its first responsibility to its investors to make as much profit as it can. (Especially the publicly traded ones.) And there's absolutely nothing wrong with that.

                          The problem comes when there's a difference in the cost of labor between some countries and others. In that case, where the labor is more expensive, governments have to tweak the system (through tariffs and such) in order to prevent the labor market from getting hollowed out.
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                          • Profile picture of the author MikeAmbrosio
                            Originally Posted by Hopeless Bromantic View Post

                            Not cynical at all: every corporation has its first responsibility to its investors to make as much profit as it can. (Especially the publicly traded ones.) And there's absolutely nothing wrong with that.

                            The problem comes when there's a difference in the cost of labor between some countries and others. In that case, where the labor is more expensive, governments have to tweak the system (through tariffs and such) in order to prevent the labor market from getting hollowed out.
                            This type of thinking can be prevalent in larger companies. I have been in the pharma industry for 25 years and the big players ALL have some of their manufacturing overseas.

                            But all of that thinking goes right out the window with smaller companies, mom and pops, self employed, etc. They pay a much higher cost with all the over regulation, and with programs like ACA (in its current form). As a consultant, I have already heard many stories of the effects of this (and other) legislation, etc. Almost none of the stories are good. We hear all the feel good stories in the news about someone who didn't have coverage and now does. Good for them. But the same media ignore the stories of cut backs, lay offs and out and out closures due to the increased costs and rules of the government.

                            Obamacare Will Cost 2.9 Million or More Jobs a Year - Forbes

                            Report: Major medical industry job loss under Obamacare | The Daily Caller

                            (From the CBO): http://www.cbo.gov/sites/default/fil...-AppendixC.pdf

                            But let's not think of them. It'll ruin the illusion

                            (Ok, now go ahead and find reports that say the opposite. I'm sure they're out there. Then we can pick what we want and run with it - LOL)
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                            • Originally Posted by MikeAmbrosio View Post

                              This type of thinking can be prevalent in larger companies. I have been in the pharma industry for 25 years and the big players ALL have some of their manufacturing overseas.

                              But all of that thinking goes right out the window with smaller companies, mom and pops, self employed, etc. They pay a much higher cost with all the over regulation, and with programs like ACA (in its current form). As a consultant, I have already heard many stories of the effects of this (and other) legislation, etc. Almost none of the stories are good. We hear all the feel good stories in the news about someone who didn't have coverage and now does. Good for them. But the same media ignore the stories of cut backs, lay offs and out and out closures due to the increased costs and rules of the government.
                              What do any the stories about smaller businesses' troubles have to do with regulations that discourage offshoring jobs? You haven't established any kind of connection, Mike.
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                              • Profile picture of the author seasoned
                                Originally Posted by Hopeless Bromantic View Post

                                What do any the stories about smaller businesses' troubles have to do with regulations that discourage offshoring jobs? You haven't established any kind of connection, Mike.
                                Regulations discouraging offshore jobs? As one playing BOTH side of the street here for MANY companies, I haven't seen ANY effects of any such thing. Not of using people in an off shore building and NOT of using people from off shore domestically.

                                Steve
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                              • Profile picture of the author MikeAmbrosio
                                Originally Posted by Hopeless Bromantic View Post

                                What do any the stories about smaller businesses' troubles have to do with regulations that discourage offshoring jobs? You haven't established any kind of connection, Mike.
                                Wasn't trying to so much make a connection as state that for all the talk of big companies and offshoring jobs, the little guys who are affected by some of the same regulation as big guys CAN'T offshore, can't make up the shortfall in income and in some cases simply go belly up. People I know in fact...

                                I'm not an economist and don't pretend to be one (like perhaps a few around here). I simply see what I see. People who used to have businesses now don't because of things like ACA. So while this particular regulation (because in many ways it is) may have helped some, it is disingenuous to think it is good for all. It isn't.
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                                • Originally Posted by MikeAmbrosio View Post

                                  Wasn't trying to so much make a connection as state that for all the talk of big companies and offshoring jobs, the little guys who are affected by some of the same regulation as big guys CAN'T offshore, can't make up the shortfall in income and in some cases simply go belly up. People I know in fact...

                                  I'm not an economist and don't pretend to be one (like perhaps a few around here). I simply see what I see. People who used to have businesses now don't because of things like ACA. So while this particular regulation (because in many ways it is) may have helped some, it is disingenuous to think it is good for all. It isn't.
                                  I don't know of anyone who claims the ACA is good for all. If you look for flaws in any piece of legislation, I guarantee you'll find them.

                                  Also, I'd be at least a little skeptical of anyone who claimed their business failed only because of the ACA. When businesses fail, it's almost always for a combination of reasons.
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                                  • Profile picture of the author MikeAmbrosio
                                    Originally Posted by Hopeless Bromantic View Post

                                    I don't know of anyone who claims the ACA is good for all. If you look for flaws in any piece of legislation, I guarantee you'll find them.
                                    Ain't THAT the truth...

                                    Originally Posted by Hopeless Bromantic View Post

                                    Also, I'd be at least a little skeptical of anyone who claimed their business failed only because of the ACA. When businesses fail, it's almost always for a combination of reasons.
                                    Again, depends on the business. Not everyone who is self employed makes tons of cash. Something like the ACA and the added dollars to their bottom line could indeed push them over the edge into closing their doors.

                                    You could argue that there are other ways to expand, make money, etc. I would argue it's not that easy for a LOT of small time outfits.

                                    I don't know ANY mid sized companies who have gone out of business because of the ACA, but I do know one who had to lay off some and cut hours of others because of it.

                                    Like I said - I know there are also stories on the other side of this. But I still think this particular legislation was far over-reaching and not necessary. I am still very much a skeptic on this doing more good than harm - but I am open to being proven wrong.
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                                    • Originally Posted by MikeAmbrosio View Post

                                      Again, depends on the business. Not everyone who is self employed makes tons of cash. Something like the ACA and the added dollars to their bottom line could indeed push them over the edge into closing their doors.
                                      A self-employed individual has to pay for a policy in the same way that any other individual does. It's not at all clear how this places a special burden on the person's business.

                                      You could argue that there are other ways to expand, make money, etc. I would argue it's not that easy for a LOT of small time outfits.
                                      At the risk of being flippant, I'd say that business is never "easy."

                                      More to the point, there are tax credits to offset the premium costs for businesses with fewer than 10 and 25 employees. (The credit diminishes away as the business gets larger and average salaries increase.)
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                                      • Profile picture of the author MikeAmbrosio
                                        Originally Posted by Hopeless Bromantic View Post

                                        A self-employed individual has to pay for a policy in the same way that any other individual does. It's not at all clear how this places a special burden on the person's business.


                                        At the risk of being flippant, I'd say that business is never "easy."

                                        More to the point, there are tax credits to offset the premium costs for businesses with fewer than 10 and 25 employees. (The credit diminishes away as the business gets larger and average salaries increase.)
                                        I don't think you're being flippant

                                        Regardless, for some, you speak gibberish. Also, we're talking only one segment of privately owned businesses - very small. To your first point, some businesses who did not carry insurance now are being told they do if they have XX amount of employees. Or they're being told their current (and inexpensive) coverage does not meet ACA requirements and alternatives are more expensive. It's nice to believe the ACA is making insurance cheaper, but sadly, it's not always the case.

                                        Right now, I am lucky. I have no employees (other than myself) and we get great insurance through my wife's job. But I'll have to deal with it in the near future as her job location is being closed in about a year. Maybe by then things will be less of a mess - although I doubt it...
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                                • Profile picture of the author TLTheLiberator
                                  Originally Posted by MikeAmbrosio View Post

                                  Wasn't trying to so much make a connection as state that for all the talk of big companies and offshoring jobs, the little guys who are affected by some of the same regulation as big guys CAN'T offshore, can't make up the shortfall in income and in some cases simply go belly up. People I know in fact...

                                  I'm not an economist and don't pretend to be one (like perhaps a few around here). I simply see what I see. People who used to have businesses now don't because of things like ACA. So while this particular regulation (because in many ways it is) may have helped some, it is disingenuous to think it is good for all. It isn't.
                                  The CBO says the ACA won't cost jobs.

                                  You may have loss of jobs mixed up with people making a choice to forgo working a second job etc. because they now have access to healthcare without that second job.

                                  The 2 million job hours will still be there but some people will have a range of new options because of the ACA.

                                  But to repeat, the CBO says the ACA will not cost the nation jobs as a whole.

                                  The ACA may not be right for every situation but what plan would be and way, way more people are helped by the ACA than hurt by the ACA.

                                  Single payer would be even better for more people and it would also relieve business of the burden of helping to insure their employees.
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                                  • Profile picture of the author seasoned
                                    Originally Posted by TLTheLiberator View Post

                                    The CBO says the ACA won't cost jobs.
                                    Then they were wrong, or lied. REMEMBER, it is HISTORY now!

                                    You may have loss of jobs mixed up with people making a choice to forgo working a second job etc. because they now have access to healthcare without that second job.
                                    Well, that isn't true BUT, even if it were, the job losss started BEFORE 1/1/2014!

                                    The 2 million job hours will still be there but some people will have a range of new options because of the ACA.
                                    WOW, you think it will magically stay there. Of course, you need MORE jobs now just to brake even, even with NO increase in applicants!

                                    But to repeat, the CBO says the ACA will not cost the nation jobs as a whole.
                                    WOW, you backtracked! STILL, they are wrong.

                                    The ACA may not be right for every situation but what plan would be and way, way more people are helped by the ACA than hurt by the ACA.

                                    Single payer would be even better for more people and it would also relieve business of the burden of helping to insure their employees.
                                    All that will require major changes.

                                    Steve
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                            • Profile picture of the author MikeTucker
                              Originally Posted by TimPhelan View Post

                              Paul made a good point earlier:
                              I don't understand this defeatest attitide that is so prevalent these days in the US. We used to have a "can-do" attitude, now it's "no we can't so let's not even try" attitude. :/
                              I keep going back to this a lot as well, about a great many things,
                              but specially about the excuses people have for not paying for social
                              programs.

                              Personally, my favorite was when Clinton/Gingrich compromised on
                              what was it, Food Stamps & Medicaid? No drug tests or any of that
                              expensive nonsense, but people on those programs had to put in at least
                              1 job application per work day.

                              I wasn't paying much attention to the world around me at the time
                              but that one really seemed to be working, as I recall. What happened
                              to it?
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                              • Profile picture of the author SteveJohnson
                                Originally Posted by MikeTucker View Post

                                I keep going back to this a lot as well, about a great many things, but specially about the excuses people have for not paying for social programs.

                                Personally, my favorite was when Clinton/Gingrich compromised on what was it, Food Stamps & Medicaid? No drug tests or any of that expensive nonsense, but people on those programs had to put in at least 1 job application per work day.

                                I wasn't paying much attention to the world around me at the time but that one really seemed to be working, as I recall. What happened to it?
                                One 'excuse' some people have about not paying for a social program is based on their own principles and beliefs about the proper role of government.

                                Many people believe that individual rights and liberty are more important than the confiscation of personal property to fund social programs, and against the threat of force that enables the confiscation. They don't believe in Spock's saw that "the needs of the many outweigh the needs of the few, or the one."
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                                • Profile picture of the author MikeTucker
                                  Originally Posted by SteveJohnson View Post

                                  One 'excuse' some people have about not paying for a social program is based on their own principles and beliefs about the proper role of government.
                                  Sure, I can absolutely understand and respect that, and I've
                                  found that is the case with many people in this forum.

                                  Also, +1 for the reference to Spock.
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                                • Profile picture of the author lanfear63
                                  Originally Posted by SteveJohnson View Post

                                  One 'excuse' some people have about not paying for a social program is based on their own principles and beliefs about the proper role of government.

                                  Many people believe that individual rights and liberty are more important than the confiscation of personal property to fund social programs, and against the threat of force that enables the confiscation. They don't believe in Spock's saw that "the needs of the many outweigh the needs of the few, or the one."
                                  These are the rich and elite ones who however they got rich, can afford the ridiculous costs of private healthcare insurance.

                                  Unfortunately it is just the American Dream that everyone one should be that way. Not the reality.
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                                  • Profile picture of the author MikeAmbrosio
                                    Originally Posted by lanfear63 View Post

                                    These are the rich and elite ones who however they got rich, can afford the ridiculous costs of private healthcare insurance.
                                    Bunk. I'm not rich or elite. I wrote in this thread earlier about our very poor upbringing yet I have pretty much the viewpoint Steve mentioned. Your viewpoint is one shared by entitlement minded people.

                                    (Maybe not really - but it' about as ridiculous a statement as yours )


                                    Originally Posted by lanfear63 View Post

                                    Unfortunately it is just the American Dream that everyone one should be that way. Not the reality.
                                    As opposed to the NEW American dream - let the government take care of all of us completely.

                                    No thanks...
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                                    • Profile picture of the author MikeTucker
                                      Originally Posted by MikeAmbrosio View Post

                                      As opposed to the NEW American dream - let the government take care of all of us completely.

                                      No thanks...
                                      There are always people who want the free ride, but that hardly
                                      changes the American Dream. Those are just the lazy assholes.

                                      On the other hand, there are also a lot of people who are following
                                      all of the rules, working very hard, and waking-up in their 30's and 40's
                                      to find that they were lied to and taken advantage of for the last two decades.

                                      It really is not a level playing field for a great many people. Not even close.

                                      If wages are as low as some people are saying they are, then how could
                                      a young family possibly do all of the basic things they are supposed to?

                                      1. Pay off their bills on time
                                      2. Pay off their debts and vehicles
                                      3. Buy a nice home and maybe a bit of land
                                      4. Save money for emergencies
                                      5. Save money for investments
                                      6. Save money for their children's education
                                      7. Save money for retirement
                                      8. Have a "date night" so that they aren't overworked and miserable
                                      9. Start a business and live the Dream?
                                      ...To hear most people say it, they might not ever get the first 3 done,
                                      no matter how hard they work?

                                      EDIT: Ironically, I forgot to fit healthcare in there somewhere...
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                                      • Profile picture of the author seasoned
                                        Originally Posted by MikeTucker View Post

                                        There are always people who want the free ride, but that hardly
                                        changes the American Dream. Those are just the lazy assholes.

                                        On the other hand, there are also a lot of people who are following
                                        all of the rules, working very hard, and waking-up in their 30's and 40's
                                        to find that they were lied to and taken advantage of for the last two decades.

                                        It really is not a level playing field for a great many people. Not even close.

                                        If wages are as low as some people are saying they are, then how could
                                        a young family possibly do all of the basic things they are supposed to?

                                        1. Pay off their bills on time
                                        2. Pay off their debts and vehicles
                                        3. Buy a nice home and maybe a bit of land
                                        4. Save money for emergencies
                                        5. Save money for investments
                                        6. Save money for their children's education
                                        7. Save money for retirement
                                        8. Have a "date night" so that they aren't overworked and miserable
                                        9. Start a business and live the Dream?
                                        ...To hear most people say it, they might not ever get the first 3 done,
                                        no matter how hard they work?

                                        EDIT: Ironically, I forgot to fit healthcare in there somewhere...
                                        I did what you mentioned, but government changes
                                        have forced me on an austerity program that may
                                        take YEARS. I am buying FAR less now than I did when I was starting out. SURE, I am saving more, but that is because earlier I couldn't save enough and I don't know what the future holds. Inflation has ALREADY greatly increased my goal. I am now practically where I started even though I have reached what was THEN my goal!

                                        They feel I should thus pay still MORE!

                                        Milton Friedman is the recipient of the 1976
                                        Nobel Memorial Prize in Economic Sciences, back
                                        when it might have meant something.

                                        Free lunch myth

                                        https://www.youtube.com/watch?v=YmqoCHR14n8

                                        Why "tax reform" won't work

                                        https://www.youtube.com/watch?v=TruCIPy79w8

                                        More complete, but longer

                                        https://www.youtube.com/watch?v=LucOUSpTB3Y

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                                      • Profile picture of the author MikeAmbrosio
                                        Originally Posted by MikeTucker View Post

                                        There are always people who want the free ride, but that hardly
                                        changes the American Dream. Those are just the lazy assholes.
                                        Perhaps not, but it's become a lot more prevalent in conversations these days. But it's not hard to understand. When something is offered free, people tend to take it. Then after a while they tend to expect it, then blame others when the free ride stops.

                                        Originally Posted by MikeTucker View Post

                                        On the other hand, there are also a lot of people who are following
                                        all of the rules, working very hard, and waking-up in their 30's and 40's
                                        to find that they were lied to and taken advantage of for the last two decades.
                                        Yep, I agree about the following the rules part. But specifically, who's doing the lying? Who's taking advantage? Was not sure who you meant.

                                        Originally Posted by MikeTucker View Post

                                        It really is not a level playing field for a great many people. Not even close.
                                        I agree, but you know what? Life just isn't fair. And frankly, I don't believe it ever WILL be. And that's too bad.

                                        Before you think me heartless, understand that I feel for those hit by hard times. And I do what I can WHERE I can (more than anyone here will ever hear about). But I also think it's wrong to legislate equality when people themselves just aren't equal. Some work harder than others. Some are more charitable than others. Some are downright thieves. So why should everyone be "entitled" to equal pay, or equal anything. I worked very hard to dig MYSELF out of my hole. I appreciate everything I have. And I show it by helping others - those I CHOOSE to help. Life isn't fair - I got that part. Some deserving people get hurt. But it's been that way since the dawn of time and frankly, I don't think that will ever change, no matter how many laws are written. I don't think that's cynical either. I just think it's reality. There is no utopia.

                                        Originally Posted by MikeTucker View Post

                                        If wages are as low as some people are saying they are, then how could
                                        a young family possibly do all of the basic things they are supposed to?

                                        1. Pay off their bills on time
                                        2. Pay off their debts and vehicles
                                        3. Buy a nice home and maybe a bit of land
                                        4. Save money for emergencies
                                        5. Save money for investments
                                        6. Save money for their children's education
                                        7. Save money for retirement
                                        8. Have a "date night" so that they aren't overworked and miserable
                                        9. Start a business and live the Dream?
                                        ...To hear most people say it, they might not ever get the first 3 done,
                                        no matter how hard they work?
                                        Work harder. Go to school. If you can't afford it, find free ways on line. Take a second or even third job.

                                        That's what I was taught. If you want more out of life you change your situation in any way you can. My family never stood with our hands out because we didn't have a savings account, money for emergencies, for health insurance, etc. We pulled ourselves up. And that's what I teach my kids.

                                        There are a LOT of answers out there for those willing to put in the work. And know where to look. I can't do anything for people not willing to look, but I can sure as heck help anyone who asks for it.

                                        Originally Posted by MikeTucker View Post

                                        EDIT: Ironically, I forgot to fit healthcare in there somewhere...
                                        Which is what started this thread to begin with
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                                    • Profile picture of the author lanfear63
                                      Originally Posted by MikeAmbrosio View Post

                                      Bunk. I'm not rich or elite. I wrote in this thread earlier about our very poor upbringing yet I have pretty much the viewpoint Steve mentioned. Your viewpoint is one shared by entitlement minded people.

                                      (Maybe not really - but it' about as ridiculous a statement as yours )




                                      As opposed to the NEW American dream - let the government take care of all of us completely.

                                      No thanks...
                                      If your not rich then your basing your thoughts on ideals and achievements that you may or may not be able aspire too. Along with, still, a lot of people who say, Ahhh, but that's the way I want it to be so I shall think that way, its the dream. That is just being blinkered from the reality, the way things are, based on ideals.

                                      I don't want the government to take care of everything, just the basic infastructure of which I would count the nations health as being a part of.
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                                      • Profile picture of the author seasoned
                                        Originally Posted by lanfear63 View Post

                                        If your not rich then your basing your thoughts on ideals and achievements that you may or may not be able aspire too. Along with, still, a lot of people who say, Ahhh, but that's the way I want it to be so I shall think that way, its the dream. That is just being blinkered from the reality, the way things are, based on ideals.

                                        I don't want the government to take care of everything, just the basic infastructure of which I would count the nations health as being a part of.
                                        So you are saying that the middle class should be OK with taking a damaging hit because that MIGHT hit some of the lower rich and "elite"? What &*( logic! Do you REALLY think the "elite" will take a hit? Let me clue you in, they WON'T! And the rich that pay like $4000/day for hotel rooms may complain if they can only spend $3000, but it is STILL FAR from poor. Of course, I doubt they would be hit that hard, if at all. People like Warren Buffet, through a MINOR but LEGAL and EASY accounting change can take a $1000 charge and make it FREE for them! OH, their EMPLOYEES will suffer, but may never know! A building isn't built, prices go up, employees replaced or laid off, raises being lower, etc..... The employees may NEVER know what tey lost, let alone WHY!

                                        Ask yourself WHY the rich want these high taxes! M/S and berkshire hathaway made a LOT of money from the government. WHY do you think that is? WHERE do you think the money came from? Heck GEICO used to be known as Government Employees Insurance COmpany!

                                        And YEAH, the NATIONS health is important, but the current government doesn't care AT ALL! NOTE, NATION is different from PEOPLE. The Federal government is supposed to deal with the NATION, and NOT the people in it. Just look at section 8. Even GENERAL welfare means the NATIONS welfare.

                                        Steve
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                                        • Profile picture of the author lanfear63
                                          Originally Posted by seasoned View Post

                                          So you are saying that the middle class should be OK with taking a damaging hit because that MIGHT hit some of the lower rich and "elite"? What &*( logic! Do you REALLY think the "elite" will take a hit? Let me clue you in, they WON'T! And the rich that pay like $4000/day for hotel rooms may complain if they can only spend $3000, but it is STILL FAR from poor. Of course, I doubt they would be hit that hard, if at all. People like Warren Buffet, through a MINOR but LEGAL and EASY accounting change can take a $1000 charge and make it FREE for them! OH, their EMPLOYEES will suffer, but may never know! A building isn't built, prices go up, employees replaced or laid off, raises being lower, etc..... The employees may NEVER know what tey lost, let alone WHY!

                                          Ask yourself WHY the rich want these high taxes! M/S and berkshire hathaway made a LOT of money from the government. WHY do you think that is? WHERE do you think the money came from? Heck GEICO used to be known as Government Employees Insurance COmpany!

                                          And YEAH, the NATIONS health is important, but the current government doesn't care AT ALL! NOTE, NATION is different from PEOPLE. The Federal government is supposed to deal with the NATION, and NOT the people in it. Just look at section 8. Even GENERAL welfare means the NATIONS welfare.

                                          Steve
                                          I just saw the Presidents tax returns and earnings summary. He earned just under 500k for the year. He paid just over 20 percent tax. Joe Biden's salary was 407k for the year. He paid 23 percent tax?.

                                          Wow, that's low.

                                          That's why pop stars and others from abroad often try to live in the states because the taxes are so low. In the UK and Europe they would be paying 45 percent tax. Taxes in Europe are incremental based on what you earn in general, different tiers, a structure. So, they can use the money to keep infrastructure, education and healthcare etc strong. THE ESSENTIALS!

                                          The US Used to be for a few decades, strong on being able to provide certain levels of this because it used to be a leader to innovate, manufacture and export, not to mention self sufficiency in oil for power. It became rich! That is a past tense now, fierce competition is around and the hangover from those heady days is setting in. Trouble is people are having a hard time accepting that and cling on to the past and not prepared to accept that change is inevitable. It has to be, it must be.

                                          I completely understand the reasons why Americans think this way. Don't get me wrong. It's just that the rest of the economic climate of the world, the population and its resources has changed dramatically and there is seemingly no urgency or desire to move on. Make the change.

                                          As far as the nation thing is concerned. The US is just another (big) rock floating in the sea with a bunch of people trying to organise themselves and get along, just like any other country or continent. I don't care to sub-divide it up into factions.
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                                          • Profile picture of the author seasoned
                                            Originally Posted by lanfear63 View Post

                                            I just saw the Presidents tax returns and earnings summary. He earned just under 500k for the year. He paid just over 20 percent tax. Joe Biden's salary was 407k for the year. He paid 23 percent tax?
                                            Biden and Obama are "the elite". Frankly, I wouldn't be surprised if they really paid NO tax. And there IS state tax, but the people there treat washington DC as a state! They have a "state motto" which is "no taxation without representation". I told a worker in washington that that was idiotic and didn't make sense and HE said that what it meant, to THEM, was "Washington DC is being taxed but has no representation"!!!! GIVE ME A BREAK! It is DISTRICT that covers THREE states and is su;posed to be the seat of government! And they have at least TWO "city" police forces! There is the washington DC police force:

                                            http://upload.wikimedia.org/wikipedi...ruiser_130.jpg

                                            and the secret service:

                                            I could SWEAR it was black and gold, but now it apparently looks like:

                                            http://thumbs.dreamstime.com/x/secre...c-21559692.jpg

                                            I even spoke with some secret service police men. They got upset when I called the other the REAL police. They said THEY cover washington DC just like its other police department.

                                            That's why pop stars and others from abroad often try to live in the states because the taxes are so low. In the UK and Europe they would be paying 45 percent tax. Taxes in Europe are incremental based on what you earn in general, different tiers, a structure. So, they can use the money to keep infrastructure, education and healthcare etc strong. THE ESSENTIALS!
                                            It's tiered in the US as well, and corporate rates are higher. The minimum wage in the US is lower, so the tax ends up balancing out as far as final buying power.

                                            The US Used to be for a few decades, strong on being able to provide certain levels of this because it used to be a leader to innovate, manufacture and export, not to mention self sufficiency in oil for power. It became rich! That is a past tense now, fierce competition is around and the hangover from those heady days is setting in. Trouble is people are having a hard time accepting that and cling on to the past and not prepared to accept that change is inevitable. It has to be, it must be.
                                            GIVE ME A BREAK! The US is STILL a leader in innovation. Manufacture is now offshore because of the things YOU love about the US. EXPORT is hurt for the SAME reasons! As for self sufficiency? The US is STILL self sufficient, but this admin will not allow it to be accessed. North Dakota has a booming industry now, because they have enough PRIVATE property to do an end run around the government and EXPORT PETROLEUM PRODUCTS and NATURAL GAS!

                                            I completely understand the reasons why Americans think this way. Don't get me wrong. It's just that the rest of the economic climate of the world, the population and its resources has changed dramatically and there is seemingly no urgency or desire to move on. Make the change.
                                            BECAUSE WE ARE HEADED OFF A CLIFF! People like you think the US is some has been with NO talent, NO ability to fight a war, NO ability to provide for itself, etc... and, for the reasons you beleive, etc.... that is NOT true.

                                            The things that caused US to be in this state are run via a conspiracy that is WORLD WIDE, so it WILL hit you, unless it is stopped!

                                            As far as the nation thing is concerned. The US is just another (big) rock floating in the sea with a bunch of people trying to organise themselves and get along, just like any other country or continent. I don't care to sub-divide it up into factions.
                                            Is your name Johnson? https://www.youtube.com/watch?v=zNZczIgVXjg


                                            STEVE
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                                      • Profile picture of the author ronrule
                                        Originally Posted by lanfear63 View Post

                                        If your not rich then your basing your thoughts on ideals and achievements that you may or may not be able aspire too. Along with, still, a lot of people who say, Ahhh, but that's the way I want it to be so I shall think that way, its the dream. That is just being blinkered from the reality, the way things are, based on ideals.
                                        You sound like someone who takes no pride in their work, and feels their efforts deserve no reward. That's the only "ideal" that comes into play here.

                                        If you save up your money to buy a nice car, should you have drive a less-nice car and give the difference to someone who doesn't have any car at all? Should college students have to accept a class-wide C average, so the kids who earned A's can donate a couple letters to the kids who didn't do as well and only got D's and F's? Should the people who don't even show up to class also get that C?

                                        What's wrong with you keeping what you make, me keeping what I make, and both of us spending whatever we earn as we see fit?

                                        I don't want what's yours. Whether you earned it through back-breaking labor, earned it without lifting a finger and just made good decisions, or had it handed to you by a wealthy uncle, it's still yours and yours to spend how you see fit. If you want to give it away to those less fortunate, you're 100% free to do that. Many people do. Why do you think that right of yours should extend to telling me how I have to spend mine?

                                        I don't want the government to take care of everything, just the basic infastructure of which I would count the nations health as being a part of.
                                        I'm curious, do you draw the line on "basic infrastructure"? There are things we all need to survive... food, shelter, water, etc. Should those also be a "right" and provided for all? If not, why not? They're certainly more important than health care. Many people can make it well into their 30's or even 40's before needing to undergo a medical procedure, but none would make it there without access to food. Besides, the average person spends WAY more on food in a lifetime than health insurance. Maybe we should fund food instead, and then with the money everyone saves not having to buy food they can just buy their own health insurance. That would work, right?
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                                        • Profile picture of the author ThomM
                                          Maybe we should fund food instead, and then with the money everyone saves not having to buy food they can just buy their own health insurance. That would work, right?
                                          They already do Ron.
                                          Sure it works:rolleyes:
                                          USDA Pays $1.3 Billion in Crop Subsidies to People Who Don't Farm
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                                          • Profile picture of the author ronrule
                                            Originally Posted by ThomM View Post

                                            They already do Ron.
                                            Sure it works:rolleyes:
                                            USDA Pays $1.3 Billion in Crop Subsidies to People Who Don't Farm
                                            Yeah but that's just giving "Big Agriculture" money ... according to the left, all problems can be solved by "more money" so let's just give everyone food stamps so they don't have to pay anything at the grocery store. Give everyone a list of "approved items" they're allowed to get for free from the grocery store, in a specific quantity. And we're only allowed to eat those specific items. Because food is a basic need, and there is so much non-nutritious food out there, choices should be restricted only to government approved meals. That would solve everything!
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                                            • Profile picture of the author ThomM
                                              Originally Posted by ronrule View Post

                                              Yeah but that's just giving "Big Agriculture" money ... according to the left, all problems can be solved by "more money" so let's just give everyone food stamps so they don't have to pay anything at the grocery store. Give everyone a list of "approved items" they're allowed to get for free from the grocery store, in a specific quantity. And we're only allowed to eat those specific items. Because food is a basic need, and there is so much non-nutritious food out there, choices should be restricted only to government approved meals. That would solve everything!
                                              It's all about "big agriculture".
                                              Over in the Bundy thread I post two links.
                                              One talks about the epa diverting water from the farmers in California to "save" some smelt.
                                              The other is about the FDA considering regulations that would end the relationship between brewers and farmers.
                                              All three hurt small family farms and help corporate agriculture.
                                              All three will help raise food costs, putting more people on food stamps.
                                              Of course the answer from the feds will be "we're helping the little people by giving them food stamps", and making them dependent on us.
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                                          • Profile picture of the author Kay King
                                            If wages are as low as some people are saying they are, then how could a young family possibly do all of the basic things they are supposed to?
                                            Who promised all that stuff?

                                            The American Dream is the opportunity to pursue a good life - not a promise that you get everything you want.

                                            Clearly, college funds must be scarce as we have one trillion of student loan debt today.

                                            An emergency fund can be a little saved here and there that adds up but many people would rather buy something instead.

                                            If life is miserable and stressful and you don't have what you think you deserve....maybe you need to lower your expectations or increase the effort you put into reaching your goals.

                                            Enjoying life is easy if you are content with what you have. Always wanting more seems to be the American way.
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                                            • Originally Posted by Kay King View Post

                                              The American Dream is the opportunity to pursue a good life - not a promise that you get everything you want.
                                              All right, and where is the opportunity supposed to come from these days? A lottery ticket? :rolleyes:

                                              If you're at the top 1% of your business, you'll succeed. For most people, hard work alone gets them nowhere.
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                                              • Profile picture of the author garyv
                                                Originally Posted by Hopeless Bromantic View Post

                                                If you're at the top 1% of your business, you'll succeed. For most people, hard work alone gets them nowhere.

                                                Do you ever venture out of The Off Topic Forum? If you go upstairs, you'll find a plethora of people from all walks of life having very successful ventures. Working smart is what makes most successful, not necessarily hard. And just about everyone - not just the top 1% - has access to a successful path. If you don't believe that, then why do you even bother coming to this forum?
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                                                • Originally Posted by garyv View Post

                                                  Do you ever venture out of The Off Topic Forum? If you go upstairs, you'll find a plethora of people from all walks of life having very successful ventures. Working smart is what makes most successful, not necessarily hard.
                                                  I know you didn't realize it, but that was actually my point.

                                                  The whole "work hard" meme has been done to death by propagandists of the right. Not that hard work isn't necessary for success: they just like to pretend that it's enough.
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                                                  • Profile picture of the author garyv
                                                    Originally Posted by Hopeless Bromantic View Post

                                                    I know you didn't realize it, but that was actually my point.

                                                    The whole "work hard" meme has been done to death by propagandists of the right. Not that hard work isn't necessary for success: they just like to pretend that it's enough.

                                                    So if that was your point, and you already know that there's plenty of opportunity for those that work smart and hard, then why did you ask: "where is the opportunity supposed to come from these days?"

                                                    I've never known anyone on the right to pretend that working hard is the only path to success. It is a component of success for sure. And you're more likely to have success when you have a good work ethic.

                                                    One thing is for sure though, the path to success is not paved with welfare checks. Success is forged by those that know what they want, and work smart and hard to get there.
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                                                    • Originally Posted by garyv View Post

                                                      So if that was your point, and you already know that there's plenty of opportunity for those that work smart and hard, then why did you ask: "where is the opportunity supposed to come from these days?"
                                                      Because most people don't have either the knowledge, talent, skill, strategy, or all of the above to achieve significant outcomes from their work alone, no matter how dedicated to it they are.

                                                      Does that mean they shouldn't be allowed to live with some level of dignity? Clearly the free market doesn't care whether they do; it can't. How should any given society make sure these people can be productive without being exploited?
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                                                      • Profile picture of the author garyv
                                                        Originally Posted by Hopeless Bromantic View Post

                                                        Because most people don't have either the knowledge, talent, skill, strategy, or all of the above to achieve significant outcomes from their work alone, no matter how dedicated to it they are.
                                                        That's wrong - because those that are dedicated enough, will find the knowledge, and will seek out proper strategy that will help them succeed. And just about anyone with very small exception can do that. The problem is, we are paying them more and more not to.
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                                                        • Originally Posted by garyv View Post

                                                          That's wrong - because those that are dedicated enough, will find the knowledge, and will seek out proper strategy that will help them succeed. And just about anyone with very small exception can do that. The problem is, we are paying them more and more not to.
                                                          I don't support paying able-bodied, able-minded people not to work any more than you do, Gary.

                                                          The reality in any adult population is: a large percentage of them aspire to nothing more than doing what they're told and playing by the rules. They do not deserve to be punished for this attitude.

                                                          In a capitalist society, this means that anyone who wants a job that pays a living wage should have one. Think of it as compensation for the loyalty of these people. Neglect them, and they'll start to turn against you.
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                                                          • Profile picture of the author seasoned
                                                            Originally Posted by Hopeless Bromantic View Post

                                                            I don't support paying able-bodied, able-minded people not to work any more than you do, Gary.
                                                            POINT MADE.....

                                                            The reality in any adult population is: a large percentage of them aspire to nothing more than doing what they're told and playing by the rules. They do not deserve to be punished for this attitude.

                                                            In a capitalist society, this means that anyone who wants a job that pays a living wage should have one. Think of it as compensation for the loyalty of these people. Neglect them, and they'll start to turn against you.
                                                            HUH? To a degree, this contradicts your earlier point.

                                                            Steve
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                                                          • Profile picture of the author seasoned
                                                            Originally Posted by Hopeless Bromantic View Post

                                                            I don't support paying able-bodied, able-minded people not to work any more than you do, Gary.
                                                            POINT MADE.....

                                                            The reality in any adult population is: a large percentage of them aspire to nothing more than doing what they're told and playing by the rules. They do not deserve to be punished for this attitude.

                                                            In a capitalist society, this means that anyone who wants a job that pays a living wage should have one. Think of it as compensation for the loyalty of these people. Neglect them, and they'll start to turn against you.
                                                            HUH? To a degree, this contradicts your earlier point. BTW You DON'T pay for loyalty! GRANTED, if they do a good job, or are loyal to a degree, you can give them a raise or a bonus, but that is because of the loyalty, not really a payment for it.

                                                            Steve
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                                                          • Profile picture of the author garyv
                                                            Originally Posted by Hopeless Bromantic View Post


                                                            The reality in any adult population is: a large percentage of them aspire to nothing more than doing what they're told and playing by the rules. They do not deserve to be punished for this attitude.
                                                            Not giving them the money I've earned is not a punishment - it's incentive to "aspire" to more. It makes absolutely no sense to pay more to those that don't aspire to it themselves. If there's no incentive, then why do any of us aspire to more? - Our welfare system was originally designed as a transition. Progressives are turning it into a way of life.
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                                                            • Profile picture of the author Kay King
                                                              compensation for the loyalty of these people. Neglect them, and they'll start to turn against you.
                                                              Wow - take care of the masses or they will turn on you?
                                                              Buy their loyalty with handouts?
                                                              What "loyalty" is that - votes?

                                                              If nothing is required from people in return for help - what happens to their dignity and self worth? Where is the incentive to do better?

                                                              The problem with a "living wage" is we haven't defined it. We have "poverty levels" of income set by the govt but no one thinks those levels are sufficient. No child in this country should go to bed hungry - or not have a place to sleep yet we know that happens.

                                                              But - if you have children you can't feed...should you be encouraged to be on birth control? Should you be required to work in a child care facility so other mothers with low paying jobs can go to work? Should you be required to attend nutrition and cooking classes to maximize the food budget you have?

                                                              How many family members is one "living wage" supposed to pay for? Should we provide food/shelter....or iphones, flat screen, isp and cable. Sticky questions.
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                                                              • Profile picture of the author seasoned
                                                                Originally Posted by Kay King View Post

                                                                Wow - take care of the masses or they will turn on you?
                                                                Buy their loyalty with handouts?
                                                                What "loyalty" is that - votes?

                                                                If nothing is required from people in return for help - what happens to their dignity and self worth? Where is the incentive to do better?
                                                                EXACTLY!

                                                                The problem with a "living wage" is we haven't defined it.
                                                                SURE we have! It is whatever certain people(ICSM) want, that they think they can get away asking for! Don't try to find out what it is though, because it will likely change next week!

                                                                We have "poverty levels" of income set by the govt but no one thinks those levels are sufficient. No child in this country should go to bed hungry - or not have a place to sleep yet we know that happens.
                                                                No ONE should have to. The poverty level SHOULD be the amount needed by the family not to exceed one kid, and one spouse, to live in the average area without public assistance of any kind. But yeah, for one person, I think it should be close to 3 times what the poverty level currently is. Or close to TWICE minimum wage! But minimum wage was NOT supposed to be a "living wage".

                                                                But - if you have children you can't feed...should you be encouraged to be on birth control? Should you be required to work in a child care facility so other mothers with low paying jobs can go to work? Should you be required to attend nutrition and cooking classes to maximize the food budget you have?
                                                                YEP! In fact the birth concern is one reason I would limit the number of kids for this calculation. But that is ONLY informational. If you start triggering all the stupid laws that may be based on it, society WILL collapse! In fact, that would affect apartment building owners, and food costs, that would raise rates to compensate, and start a vicious cycle.

                                                                How many family members is one "living wage" supposed to pay for? Should we provide food/shelter....or iphones, flat screen, isp and cable. Sticky questions.
                                                                Based on the fact that 40 has become 29. Obamas plan is to make the yearly wage $15230.8. But that is DUMB! Even the CBO says that would create a cycle, and end up HURTING! I think they advised something like 9.25. OK, talking into account the 29 change, that means minimum wage is, average MAX, $13949. The current poverty index, for one person, is $11,670. By my estimates, that is NOT enough! You will have to go on government plans to survive alone. With TWO people, the poverty index is $15,730. If BOTH work, assuming both are minimum wage, I think they could maybe have a decent life on their own. Frankly, I would suggest taking like 10+ exemptions, on the W4, if you can, and stuffing savings in an IRA if you end up owing taxes.

                                                                Steve
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                                                              • Originally Posted by Kay King View Post

                                                                Wow - take care of the masses or they will turn on you?
                                                                Buy their loyalty with handouts?
                                                                What "loyalty" is that - votes?
                                                                Not necessarily - it's just the basic social contract that's been going on for millenia.

                                                                If nothing is required from people in return for help - what happens to their dignity and self worth? Where is the incentive to do better?
                                                                As I've just said, I don't support helping (non-disabled) people in exchange for doing nothing. They should be working.

                                                                The problem with a "living wage" is we haven't defined it. We have "poverty levels" of income set by the govt but no one thinks those levels are sufficient. No child in this country should go to bed hungry - or not have a place to sleep yet we know that happens.
                                                                I agree that we haven't defined it. Care to suggest a definition?
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                                                                • Profile picture of the author Kay King
                                                                  It is hard to define. I think the handouts should be "basics only" but I also think benefits should be used to help transition into something better. A young mother who gets a minimum wage entry job should not have to worry that her food and housing allotments will be immediately cut. The fear of "losing benefits" stops people from taking entry jobs that could lead to a better income and better life.

                                                                  I think the SNAP programs needs to be tightened so pruchases are FOOD - and not cocktail mixes, Red Bull, soda, candy and junk snacks. Requiring purchases of fruits, vegetables, carbs and meat would help children, not hurt them.

                                                                  I liked Clinton's programs for welfare and I think it did a lot to get rid of those looking for handouts and help those who were willing to do their share to qualify for benefits. Why on earth these practices were discontinued by the current admin is beyond me.

                                                                  I think we need to combine and streamline the programs we do have to reduce the massive cost of administration of dozens of programs and prevent abuse.
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                                                                  • Profile picture of the author seasoned
                                                                    Originally Posted by Kay King View Post

                                                                    I think the SNAP programs needs to be tightened so pruchases are FOOD - and not cocktail mixes, Red Bull, soda, candy and junk snacks. Requiring purchases of fruits, vegetables, carbs and meat would help children, not hurt them.
                                                                    For what it is worth, a store near me has signs on all freezers that have energy drinks saying that energy drinks, like red bull, CAN'T be purchased with EBT cards(used for things like SNAP). That DOES imply soda is OK, and I don't know about the others though.

                                                                    Yeah, if they only provided clean water, fruits, vegetables, LOW GI carbs and meat, and refused me everything else, and mandated that all vending machines have the same, I would be HAPPY! I'm not even on any welfare program, but candy and HIGH GI carbs are currently FAR easier to get.

                                                                    BTW for those that don't know, LOW GI carbs are like oats, barley, some corn, etc... They are good for sustained energy and life.
                                                                    HIGH GI carbs are basically various sugars(And High Fructose Corn Syrup. Fructose is a sugar in its own right). They are cheap, easily mixed, sweet, and provide a QUICK burst of energy.

                                                                    Steve
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                                                                  • Profile picture of the author TimPhelan
                                                                    Originally Posted by Kay King View Post

                                                                    I liked Clinton's programs for welfare and I think it did a lot to get rid of those looking for handouts and help those who were willing to do their share to qualify for benefits. Why on earth these practices were discontinued by the current admin is beyond me.
                                                                    I'm not sure what you are referring to but there was a "pants on fire" quote about this issue two years ago:

                                                                    "Under Obama's plan (for welfare), you wouldn't have to work and wouldn't have to train for a job. They just send you your welfare check."

                                                                    That's a drastic distortion of the planned changes to Temporary Assistance to Needy Families. By granting waivers to states, the Obama administration is seeking to make welfare-to-work efforts more successful, not end them. What's more, the waivers would apply to individually evaluated pilot programs -- HHS is not proposing a blanket, national change to welfare law.

                                                                    The ad tries to connect the dots to reach this zinger: "They just send you your welfare check." The HHS memo in no way advocates that practice. In fact, it says the new policy is "designed to improve employment outcomes for needy families."

                                                                    The ad's claim is not accurate, and it inflames old resentments about able-bodied adults sitting around collecting public assistance. Pants on Fire!
                                                                    Mitt Romney says Barack Obama
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                                                                    • Profile picture of the author seasoned
                                                                      Originally Posted by TimPhelan View Post

                                                                      I'm not sure what you are referring to but there was a "pants on fire" quote about this issue two years ago:



                                                                      Mitt Romney says Barack Obama
                                                                      Listen to some of the campaigners! Listen to the guy that is on the beach all day.

                                                                      https://www.youtube.com/watch?v=-I3IToVMexk

                                                                      HECK, listen to Nancy Pelosi talk about how being unemployed IS being employed, and how it is GOD for the economy!

                                                                      https://www.youtube.com/watch?v=oE-z38pXUAo

                                                                      Either way you slice this, THEY, or politifact, deserve a THERMITE award, because they are THAT much worse than the apparently TRUE statement mit is making.

                                                                      The IDEA that demand or "spending money quickly" produces jobs, etc... is RIDICULOUS!!!!!!! There is ALWAYS demand! If you have a city THROWING computer parts into a landfill, it is TRASH, RIGHT? WORTHLESS, RIGHT? I mean the CPUs are likely damaged in some way, and WHY spend so much time to test? The electronics are the same way! Screens, cases, hard drives would be damaged. HECK, maybe the truck compressed them as I think ALL do today. WORTHLESS, RIGHT?

                                                                      NOPE!!!!!! There are companies that would PAY for the opportunity to get glass, get plastic, and refine the little metal in hopes of finding gold, silver, and copper. Now that THEY did that, there is demand for shipping and realestate. There is ALWAYS demand, EVEN for garbage!

                                                                      Demand means NOTHING for the economy without some product or service, or promise of it. And the MONEY is for a service or product, and constitutes a promise.

                                                                      So the GOVERNMENT shifts money that WOULD have been paid from one to another, and then claims that that other represents value to the economy. NOPE, it is a DRAIN to the economy! They take resources and compensation, and give nothing in return. Even if their waste were used down the line, the food they eat could have gone to a cow which could produce the same waste and could ALSO have fed a lot of people and/or provided milk for them.

                                                                      So it is NOT money or mere demand that run the economy. HECK, if it could be properly done, barter would be better and more efficient, and would do away with money! Think of it! No more theft or swindling like madoff, etc... And it would be better to SUPPLY that demand. SOMEBODY has to!

                                                                      Steve
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                                                                    • Profile picture of the author garyv
                                                                      Originally Posted by TimPhelan View Post

                                                                      I'm not sure what you are referring to but there was a "pants on fire" quote about this issue two years ago:



                                                                      Mitt Romney says Barack Obama
                                                                      I seem to remember Politifact attributing a "lie of the year" to Romney that they later realized was wrong...

                                                                      Busted: Politifact gets its ‘Lie of the Year’ wrong - BizPac Review

                                                                      They're just another partisan hack like the rest.
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                                                                      • Profile picture of the author TimPhelan
                                                                        Originally Posted by garyv View Post

                                                                        They're just another partisan hack like the rest.
                                                                        Not really. I've seen the other side get pretty pissed off about their decisions. One example is below. Plus, they gave Obama lie of the year didn't they?

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                                                                        • Profile picture of the author MikeAmbrosio
                                                                          Originally Posted by TimPhelan View Post

                                                                          Not really. I've seen the other side get pretty pissed off about their decisions. One example is below. Plus, they gave Obama lie of the year didn't they?

                                                                          Fact-Fixing: Politifact Get's it Wrong Again ....On Obama! - YouTube
                                                                          Just more proof that you should take ALL media with a grain of salt. They can't all be right, or wrong.

                                                                          smh
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                                                                        • Profile picture of the author garyv
                                                                          Originally Posted by TimPhelan View Post

                                                                          Not really. I've seen the other side get pretty pissed off about their decisions. One example is below. Plus, they gave Obama lie of the year didn't they?

                                                                          LOL - Everyone gave Obama lie of the year. Politifact had to also or be exposed as the hacks they are.
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                                                                        • Profile picture of the author seasoned
                                                                          Originally Posted by TimPhelan View Post

                                                                          Not really. I've seen the other side get pretty pissed off about their decisions. One example is below. Plus, they gave Obama lie of the year didn't they?

                                                                          Fact-Fixing: Politifact Get's it Wrong Again ....On Obama! - YouTube
                                                                          First of all, the way the English language, and all the other languages I have looked at, work, he STRONGLY IMPLIED, and INTENDED the meaning to be, that it was DUE TO HIS POLICIES! You don't realize that unless you look at the first part of his speech, which is what they first showed. BESIDES, if you take it out of THAT context, you might as well throw the whole thing out, because he is THEN saying that he did NOTHING! The whole speech, as people understood it, was supposed to say that things have improved.

                                                                          This is like his debate with romney where romney was a bit vague when he said that obama did NOT say that bengazi was an "act of terror". The "host" said that Obama said it was an act of terror! Obama glibly with a smirk encouraged her to loudly proclaim it I just watched the whole speech AGAIN. Over 2 minutes AFTER that section, in another thought, Obama said "no act of terror,,,," speaking in VERY broad terms, and not related to Libya. But HEY, if he DID mean that this was an act of terrorism, why did they send Condoleezza Rice out to say it WASN'T? Remember that film, where they crudely insulted mohamud? Either way, Romney WAS right! If the thought was conveyed, it shows they lied early on. If not, then it shows that he never said it.

                                                                          Still, NOBODY wants jobs! HEY, ANYONE can go someplace and get a JOB! NO PROBLEM! I bet I could go to mcdonalds and get a job within the hour. They are KNOWN for their high turnover! I could go to best buy. If I want, I could walk in with what I know NOW, and probably have any job in the store. How about home depo? OH, there are PLENTY!

                                                                          NOPE! NOBODY wants a job! They want to do something, that HOPEFULLY they like or is beneficial, that they can do, that makes AT LEAST what they have to have.

                                                                          So counting jobs is MORONIC! You ALSO have to group them by AT LEAST industry and income! OH YEAH! They ALSO have foreigners coming in to take jobs. How many took THOSE jobs?

                                                                          Steve
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                                                                      • Profile picture of the author SteveJohnson
                                                                        Originally Posted by garyv View Post

                                                                        I seem to remember Politifact attributing a "lie of the year" to Romney that they later realized was wrong...

                                                                        Busted: Politifact gets its ‘Lie of the Year’ wrong - BizPac Review

                                                                        They're just another partisan hack like the rest.
                                                                        Yea Gary, just another vicious lie designed to try and win votes and to make it easier for folks to feel good about the creation of a welfare state, where the majority of the population is on some kind of government assistance and will vote for the party that provides the handouts.

                                                                        The primary reason the public assistance numbers went up is the government-caused great recession and its aftermath and not any changes in the welfare laws and when the regulatory economic-suppression hand of the government gets lighter, more businesses will be created, more people hired to expand the businesses, the economy gets better, and the numbers for public assistance will go down.

                                                                        Some people have to lie about almost everything because if they didn't hardly anyone would support their 'government is the fix of everything' agenda - and they're also saying what they know a certain segment of the population desperately wants to hear or else they will be abandoned for another source that fits with their world view. It's difficult to combat the attractiveness of a nanny-state when people are being told that having wealth is unfair and unequal and that they deserve a piece of someone else's property.

                                                                        I'm not calling anyone in here a liar, but I'll say lots of people in here have a habit of repeating lies that are quite easily debunked.

                                                                        Gary, Mike, and the rest who believe in limited government, how many stupid, silly easily debunked progressive lies have been debunked over the years?
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                                                                        • Profile picture of the author TLTheLiberator
                                                                          Originally Posted by SteveJohnson View Post

                                                                          Yea Gary, just another vicious lie designed to try and win votes and to make it easier for folks to feel good about the creation of a welfare state, where the majority of the population is on some kind of government assistance and will vote for the party that provides the handouts.

                                                                          The primary reason the public assistance numbers went up is the government-caused great recession and its aftermath and not any changes in the welfare laws and when the regulatory economic-suppression hand of the government gets lighter, more businesses will be created, more people hired to expand the businesses, the economy gets better, and the numbers for public assistance will go down.

                                                                          Some people have to lie about almost everything because if they didn't hardly anyone would support their 'government is the fix of everything' agenda - and they're also saying what they know a certain segment of the population desperately wants to hear or else they will be abandoned for another source that fits with their world view.

                                                                          It's difficult to combat the attractiveness of a nanny-state when people are being told that having wealth is unfair and unequal and that they deserve a piece of someone else's property.

                                                                          I'm not calling anyone in here a liar, but I'll say lots of people in here have a habit of repeating lies that are quite easily debunked.

                                                                          Gary, Mike, and the rest who believe in limited government, how many stupid, silly easily debunked progressive lies have been debunked over the years?
                                                                          Not many.

                                                                          Certainly not as many as Tim and I have debunked over the years. We can go over them if you like.

                                                                          Most of the people who gravitate towards the progressive view do so because we offer help - not just for poor people, but also for the middle class.

                                                                          - Most accept that the needs of the many outweigh the needs of the wealthy and corporations - even though you and your like-minded associates don't.

                                                                          - We don't have a problems with anyone making a healthy profit but we do have a real problem with corporations running roughshod over and making life more difficult than it should be for the American people - even if you don't.

                                                                          - For example, we had a real problem with credit card companies upping the rates whenever they felt like it.

                                                                          At least give us a warning and a few months to switch if we want to. You would have done nothing about that problem but we did.

                                                                          - We understand that the "free market" does not always solve every problem - to say the least and gov can't do everything.

                                                                          - Your economic philosophy is correctly perceived as one that does not care about the lives of everyday Americans and you folks would rather stand on some sort of supposed limited govt. principle while Americans are getting their economic heads handed to them.

                                                                          - What you consistently call a "nanny state" is simply a mix of capitalism and socialism and most of the industrialized countries practice it.

                                                                          - Its a big lie that progressives hate wealth and I'm certainly not going to the poorhouse for anyone...

                                                                          ...but we do have a big problem with almost all the wealth in the society going to a very few - mostly thanks to the tax code, while the average American lives an economically precarious life.



                                                                          BTW...

                                                                          - Don't you have a problem with FDR and what he tried to do the prevent Americans from falling out in the streets like Ethiopians during the depression?

                                                                          - You said that a GOP guy sponsored the GI Bill right? Well, FDR spoke of it first and I say great no matter who gets the credit for sponsoring it...

                                                                          ...because helping people is an progressive impulse.

                                                                          Even after Americans saved the world from the Nazis, you would have been against the GI Bill helping Americans out...

                                                                          ... and you would have probably used the high level of federal debt from the war as an excuse to be against the law.

                                                                          That GI Bill was a tremendous help the the nation and the people of the nation...

                                                                          ... and you would have been against it.

                                                                          - I also doubt you would have been for the 2009 economic stimulus that prevented the economy from getting even worse than it was and it also prevented the great recession from becoming another great depression.

                                                                          From everything I've read from you, it's clear you would have been in favor of your limited government philosophy...

                                                                          ... at highly critical economic times in the nations' history and that philosophy, if it had been implemented would have only made the situations a whole lot worse than it was.

                                                                          - You're also a man-made climate-change denier right?


                                                                          If so, that's mighty dangerous of you.

                                                                          If I'm wrong about any of your positions and how you would have reacted historically - please correct me.


                                                                          BTW...

                                                                          You're so out of step with American history that chances are...

                                                                          ... you would have been one of those folks whispering in Washington's ear urging him to become king at the end of the war.
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                                                                          • Profile picture of the author garyv
                                                                            Originally Posted by TLTheLiberator View Post


                                                                            ...because helping people is an progressive impulse.
                                                                            No helping people is an everyone impulse. Progressive just means you do it with other people's money.
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                                                                          • Profile picture of the author seasoned
                                                                            Originally Posted by TLTheLiberator View Post

                                                                            Not many.

                                                                            Certainly not as many as Tim and I have debunked over the years. We can go over them if you like.

                                                                            Most of the people who gravitate towards the progressive view do so because we offer help - not just for poor people, but also for the middle class.

                                                                            - Most accept that the needs of the many outweigh the needs of the wealthy and corporations - even though you and your like-minded associates don't.

                                                                            - We don't have a problems with anyone making a healthy profit but we do have a real problem with corporations running roughshod over and making life more difficult than it should be for the American people - even if you don't.

                                                                            - For example, we had a real problem with credit card companies upping the rates whenever they felt like it.

                                                                            At least give us a warning and a few months to switch if we want to. You would have done nothing about that problem but we did.

                                                                            - We understand that the "free market" does not always solve every problem - to say the least and gov can't do everything.

                                                                            - Your economic philosophy is correctly perceived as one that does not care about the lives of everyday Americans and you folks would rather stand on some sort of supposed limited govt. principle while Americans are getting their economic heads handed to them.

                                                                            - What you consistently call a "nanny state" is simply a mix of capitalism and socialism and most of the industrialized countries practice it.

                                                                            - Its a big lie that progressives hate wealth and I'm certainly not going to the poorhouse for anyone...

                                                                            ...but we do have a big problem with almost all the wealth in the society going to a very few - mostly thanks to the tax code, while the average American lives an economically precarious life.



                                                                            BTW...

                                                                            - Don't you have a problem with FDR and what he tried to do the prevent Americans from falling out in the streets like Ethiopians during the depression?

                                                                            - You said that a GOP guy sponsored the GI Bill right? Well, FDR spoke of it first and I say great no matter who gets the credit for sponsoring it...

                                                                            ...because helping people is an progressive impulse.

                                                                            Even after Americans saved the world from the Nazis, you would have been against the GI Bill helping Americans out...

                                                                            ... and you would have probably used the high level of federal debt from the war as an excuse to be against the law.

                                                                            That GI Bill was a tremendous help the the nation and the people of the nation...

                                                                            ... and you would have been against it.

                                                                            - I also doubt you would have been for the 2009 economic stimulus that prevented the economy from getting even worse than it was and it also prevented the great recession from becoming another great depression.

                                                                            From everything I've read from you, it's clear you would have been in favor of your limited government philosophy...

                                                                            ... at highly critical economic times in the nations' history and that philosophy, if it had been implemented would have only made the situations a whole lot worse than it was.

                                                                            - You're also a man-made climate-change denier right?


                                                                            If so, that's mighty dangerous of you.

                                                                            If I'm wrong about any of your positions and how you would have reacted historically - please correct me.
                                                                            4/7 12:45

                                                                            BTW...

                                                                            You're so out of step with American history that chances are...

                                                                            ... you would have been one of those folks whispering in Washington's ear urging him to become king at the end of the war.
                                                                            Seriously, as I said earlier, let us know what you are taking. WOW! It's a pity that th good stuff, that you claim you do, doesn't happen in real life.

                                                                            As for your not going to the poorhouse, you claimed to be a real advocate for taxes even over 90%, etc... You ALSO act like inflation is no big deal. OK, let's set the tax schedule back to 1958 levels! You speak of corporate welfare and tax shelters, and unfair distribution. OK, let's GET RID OF THEM! For those making $44K to $52K, the ABSOLUTE tax rate would be 59%! So the average $44K earner would have a take home pay of LESS than $18040(Don't forget, the STATES want "their share"!) And if a person makes $1000,000? DON'T WORRY! They get to take home less than $90,000!

                                                                            BTW with historical data... Bear in mind, this assumes that AGI is Gross, and NO state or special taxes and doesn't take into account inflation: A single rate indicates that is what a person making about the national average would pay. Sometimes $100 more would py a higher rate, and some rates were VERY high.

                                                                            1862-1863
                                                                            3%

                                                                            1864-1869
                                                                            5%

                                                                            1870-1872
                                                                            2.5%

                                                                            1873-1893
                                                                            ***NO INCOME TAX***!

                                                                            1894
                                                                            2%

                                                                            Average income in 1900 was about $562.5
                                                                            Average income in 1910 was $750

                                                                            1895-1912
                                                                            ***NO INCOME TAX***!!!!!!

                                                                            1913 US CURRENCY OBLITERATED
                                                                            CONTROL BY "FEDERAL RESERVE" OCCURS!

                                                                            1913-1915
                                                                            COMPLEX TIERING CREATED!
                                                                            Still 1% for most

                                                                            1916-1917
                                                                            2%

                                                                            1918
                                                                            6%

                                                                            1919-1923
                                                                            4%

                                                                            1924
                                                                            2%

                                                                            Average income in the 1930s was about 1,368

                                                                            1925-1931
                                                                            1.5%

                                                                            Social security taxes at 1% from 1937-1949, when SS started

                                                                            1932-1940
                                                                            4%

                                                                            1941
                                                                            10% or 13% or 17%

                                                                            1942-1943
                                                                            19% or 22% or 26%

                                                                            1944-1945
                                                                            23% or 25% or 29%

                                                                            1946-1950
                                                                            20% or 22% or 26% or 30%

                                                                            Average income 1951 is 2,799.16

                                                                            1951
                                                                            22.4%

                                                                            1952-1953
                                                                            24.6%

                                                                            1954-1963
                                                                            22%

                                                                            about when OTHER damaging things took off

                                                                            1964 average income was 4,576.32

                                                                            1964
                                                                            23.5%

                                                                            1965-1969
                                                                            22%

                                                                            Average 1970 income is 6,186.24

                                                                            1970-1973
                                                                            25%

                                                                            1974-1979
                                                                            28%

                                                                            Average 1980 income is 12,513.46

                                                                            1980-1981
                                                                            32%

                                                                            1982
                                                                            29%

                                                                            1983
                                                                            30%

                                                                            Average 1990 income is 21,027.98
                                                                            Average 2000 income is 32,154.82

                                                                            1984-2000
                                                                            28%

                                                                            2001
                                                                            27.5%

                                                                            2002
                                                                            27%

                                                                            Average 2010 income was 41,673.83

                                                                            2003-2013
                                                                            25%

                                                                            Steve
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                                                                          • Profile picture of the author SteveJohnson
                                                                            Originally Posted by TLTheLiberator View Post


                                                                            You're so out of step with American history that chances are...

                                                                            ... you would have been one of those folks whispering in Washington's ear urging him to become king at the end of the war.
                                                                            Your perception of conservative and/or libertarian ideals is so out of touch with reality that it isn't even worthwhile trying to have an intelligent discussion with you.

                                                                            FWIW, I am all for the GI Bill. I don't think we as a nation do enough to support those who are asked to fight.

                                                                            I have a major problem with CC rate-gouging. The disparity between the prime rate and most CC rates is outrageous. I support reasonable usury regulations.

                                                                            I have pretty much the same thoughts regarding monarchies and monarchists as Thomas Paine, whose principles Tim tried to distort in another thread.

                                                                            I don't confuse 'needs' with 'wants', as progressives tend to.

                                                                            I value personal property rights, as progressives tend not to.

                                                                            You presume that the middle-class needs and wants your 'help'. How arrogant.

                                                                            Everyone but anarchists understand that a totally unrestrained free market would not work. I am not an anarchist, nor have I ever expressed that I am.

                                                                            Many people - including the Supreme Court - had problems with many of FDRs ideas. That he knew so, and tried and failed to load it for his own purposes, is telling.

                                                                            Helping the needy is a humanitarian impulse, not progressive. Permanently making the people dependent on the state is a progressive impulse.

                                                                            In the 2008 election cycle, 13 of the top 16 states ranked by percentage of income donated to charities were 'red states'. Nicholas Kristoff had this to say:

                                                                            This holiday season is a time to examine who's been naughty and who's been nice, but I'm unhappy with my findings. The problem is this: We liberals are personally stingy.

                                                                            Liberals show tremendous compassion in pushing for generous government spending to help the neediest people at home and abroad. Yet when it comes to individual contributions to charitable causes, liberals are cheapskates.

                                                                            Arthur Brooks, the author of a book on donors to charity, "Who Really Cares," cites data that households headed by conservatives give 30 percent more to charity than households headed by liberals. A study by Google found an even greater disproportion: average annual contributions reported by conservatives were almost double those of liberals.
                                                                            In other words, liberals have no problem with confiscating other people's property to further their agenda, but don't give as much voluntarily as conservatives.

                                                                            I don't know if you truly believe what you wrote, or if you set it out as provocation. Either way, you're mistaken about most of what you listed.
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                                                                            • Originally Posted by SteveJohnson View Post

                                                                              In the 2008 election cycle, 13 of the top 16 states ranked by percentage of income donated to charities were 'red states'.
                                                                              Classic math fallacy, Steve: George Soros could donate more than all the households in Mississippi combined, and it would still be a lower percentage of his income than of theirs.
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                                                                              • Profile picture of the author seasoned
                                                                                Originally Posted by Hopeless Bromantic View Post

                                                                                Classic math fallacy, Steve: George Soros could donate more than all the households in Mississippi combined, and it would still be a lower percentage of his income than of theirs.
                                                                                I know you mean the other steve, and probably can't see this, but GS isn't con........., and usually works AGAINST the poor. HECK, he made a bet of 1.3B that the market would collapse.

                                                                                Steve
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                                                                              • Profile picture of the author garyv
                                                                                Originally Posted by Hopeless Bromantic View Post

                                                                                Classic math fallacy, Steve: George Soros could donate more than all the households in Mississippi combined, and it would still be a lower percentage of his income than of theirs.
                                                                                Classic math fallacy - George Soros could give all of his money away, and it wouldn't even equal 25% of the Arkansas Waltons income.
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                                                                            • Profile picture of the author Kurt
                                                                              Originally Posted by SteveJohnson View Post

                                                                              Your perception of conservative and/or libertarian ideals is so out of touch with reality that it isn't even worthwhile trying to have an intelligent discussion with you.

                                                                              FWIW, I am all for the GI Bill. I don't think we as a nation do enough to support those who are asked to fight.

                                                                              I have a major problem with CC rate-gouging. The disparity between the prime rate and most CC rates is outrageous. I support reasonable usury regulations.

                                                                              I have pretty much the same thoughts regarding monarchies and monarchists as Thomas Paine, whose principles Tim tried to distort in another thread.

                                                                              I don't confuse 'needs' with 'wants', as progressives tend to.

                                                                              I value personal property rights, as progressives tend not to.

                                                                              You presume that the middle-class needs and wants your 'help'. How arrogant.

                                                                              Everyone but anarchists understand that a totally unrestrained free market would not work. I am not an anarchist, nor have I ever expressed that I am.

                                                                              Many people - including the Supreme Court - had problems with many of FDRs ideas. That he knew so, and tried and failed to load it for his own purposes, is telling.

                                                                              Helping the needy is a humanitarian impulse, not progressive. Permanently making the people dependent on the state is a progressive impulse.

                                                                              In the 2008 election cycle, 13 of the top 16 states ranked by percentage of income donated to charities were 'red states'. Nicholas Kristoff had this to say:



                                                                              In other words, liberals have no problem with confiscating other people's property to further their agenda, but don't give as much voluntarily as conservatives.

                                                                              I don't know if you truly believe what you wrote, or if you set it out as provocation. Either way, you're mistaken about most of what you listed.
                                                                              And since we're talking about "red" and "blue" states...If we define blue as voting for Obama and red as those that voted for Romney, you'd find that the blue states pay the Feds more than the get back and the red states get more than they pay in.

                                                                              It's a tendency of conservatives to claim that the redistribution of wealth is from the rich to the poor. In reality, much of the redistribution of wealth is from blue states to red states.

                                                                              If we took the latest numbers and defined blue and red states as I did above, Texas is the ony "donar" red state. All the rest are "gimme" states. And if the red states ceded, 80% of the GNP of the USA would remain with the blue states. I bet Texas would LOVE supporting all the other red states. NOT!

                                                                              It reminds me of when Rand Paul accused Chris Christie that NJ was a "gimme state" when he was seeking funds for Hurricane Sandy, and Paul was reminded NJ pays in far more than it gets back, while Paul's state of KY gets far more than it pays in.

                                                                              How did Rand reply to this? He said it was because KY has 2 military bases. He was then informed that NJ has 8. Oooops.

                                                                              Maybe the blue states should listen to the red states and stop redistributing money, since the red states are so upset about getting our money?
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                                                                              • Profile picture of the author seasoned
                                                                                Originally Posted by Kurt View Post

                                                                                And since we're talking about "red" and "blue" states...If we define blue as voting for Obama and red as those that voted for Romney, you'd find that the blue states pay the Feds more than the get back and the red states get more than they pay in.

                                                                                It's a tendency of conservatives to claim that the redistribution of wealth is from the rich to the poor. In reality, much of the redistribution of wealth is from blue states to red states.

                                                                                If we took the latest numbers and defined blue and red states as I did above, Texas is the ony "donar" red state. All the rest are "gimme" states. And if the red states ceded, 80% of the GNP of the USA would remain with the blue states. I bet Texas would LOVE supporting all the other red states. NOT!

                                                                                It reminds me of when Rand Paul accused Chris Christie that NJ was a "gimme state" when he was seeking funds for Hurricane Sandy, and Paul was reminded NJ pays in far more than it gets back, while Paul's state of KY gets far more than it pays in.

                                                                                How did Rand reply to this? He said it was because KY has 2 military bases. He was then informed that NJ has 8. Oooops.

                                                                                Maybe the blue states should listen to the red states and stop redistributing money, since the red states are so upset about getting our money?
                                                                                Well, it is amazing what is called a subsidy, etc..... Sometimes a reduction in what is paid is called a subsidy and they talk about the government paying, etc... It is the same theory that says an increase of 8% is a CUT because you WANTED an increase of 10%, and had to reduce the INCREASE by 2%. So an INCREASE of 8% becomes a CUT of 2%!

                                                                                I guess they count the refunds I get as INCOME from them even though it is just a return of an overpayment. And HEY, they DO charge me on it the next year. So I guess someone somewhere is saying *I* am getting a subsidy. YEAH RIGHT!

                                                                                Steve
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                                                                              • Profile picture of the author garyv
                                                                                Originally Posted by Kurt View Post

                                                                                And since we're talking about "red" and "blue" states...If we define blue as voting for Obama and red as those that voted for Romney, you'd find that the blue states pay the Feds more than the get back and the red states get more than they pay in.
                                                                                Well of course blue states pay more in and get less out. That's what we've been trying to tell all of you this entire time! Good grief!

                                                                                The less taxes you pay in - the more you'll get out. Thank you for validating our ideology.
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                                                                                • Profile picture of the author Kurt
                                                                                  Originally Posted by garyv View Post

                                                                                  Well of course blue states pay more in and get less out. That's what we've been trying to tell all of you this entire time! Good grief!

                                                                                  The less taxes you pay in - the more you'll get out. Thank you for validating our ideology.
                                                                                  You've said no such thing, so your strawman fallacy holds no merit with me. You never ONCE mentioned states.

                                                                                  I'm glad you agree the blue states are paying the red states. It would be hard to disagree, since it's a fact. But thank you for backing up the point in my post.


                                                                                  So are you advocating that the red states are no longer supported by the blue states?
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                                                                    • Profile picture of the author TLTheLiberator
                                                                      Originally Posted by TimPhelan View Post

                                                                      I'm not sure what you are referring to but there was a "pants on fire" quote about this issue two years ago:



                                                                      Mitt Romney says Barack Obama
                                                                      Yea Tim, just another vicious lie designed to try and win votes and to make it easier for folks to feel good about kicking kids off public assistance etc.

                                                                      The primary reason the public assistance numbers went up is the great recession and its aftermath and not any changes in the welfare laws and when the economy gets better the numbers for public assistance will go down.

                                                                      Some people have to lie about almost everything because if they didn't hardly anyone would support their agenda - and they're also saying what they know a certain segment of the population desperately wants to hear or else they will be abandoned for another source that fits with their world view.

                                                                      I'm not calling anyone in here a liar, but I'll say lots of people in here have a habit of repeating lies that are quite easily debunked.


                                                                      Tim, how many stupid, silly easily debunked lies have we debunked over the years?
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                                                                      • Profile picture of the author seasoned
                                                                        Originally Posted by TLTheLiberator View Post

                                                                        Yea Tim, just another vicious lie designed to try and win votes and to make it easier for folks to feel good about kicking kids off public assistance etc.

                                                                        The primary reason the public assistance numbers went up is the great recession and its aftermath and not any changes in the welfare laws and when the economy gets better the numbers for public assistance will go down.

                                                                        Some people have to lie about almost everything because if they didn't hardly anyone would support their agenda - and they're also saying what they know a certain segment of the population desperately wants to hear or else they will be abandoned for another source that fits with their world view.

                                                                        I'm not calling anyone in here a liar, but I'll say lots of people in here have a habit of repeating lies that are quite easily debunked.


                                                                        Tim, how many stupid, silly easily debunked lies have we debunked over the years?
                                                                        Seriously, what ARE you taking? :confused:

                                                                        Steve
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                                                                        • Profile picture of the author ThomM
                                                                          Originally Posted by seasoned View Post

                                                                          Seriously, what ARE you taking? :confused:

                                                                          Steve
                                                                          I figured early morning drinker
                                                                          You've got to admit it is the funniest post in this thread yet.
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                                                                          • Profile picture of the author TLTheLiberator
                                                                            Originally Posted by ThomM View Post

                                                                            I figured early morning drinker
                                                                            You've got to admit it is the funniest post in this thread yet.
                                                                            Yea, that was a hoot when you said #44 didn't say bla, bla, bla, about bla, bla, bla when an easy internet search could have prevented you from looking like you live in some sort of bubble.


                                                                            Last weekend Big Frank dropped this on you...

                                                                            "Since we are forbidden to engage in purely political discourse I will have to let your misinformed statement fall by the wayside, where it belongs.

                                                                            There is life outside the bubble. Come on down.

                                                                            Cheers. - Frank"

                                                                            I say ditto.
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                                                                            • Profile picture of the author seasoned
                                                                              Originally Posted by TLTheLiberator View Post

                                                                              Yea, that was a hoot when you said #44 didn't say bla, bla, bla, about bla, bla, bla when an easy internet search could have prevented you from looking like you live in some sort of bubble.


                                                                              Last weekend Big Frank dropped this on you...

                                                                              "Since we are forbidden to engage in purely political discourse I will have to let your misinformed statement fall by the wayside, where it belongs.

                                                                              There is life outside the bubble. Come on down.

                                                                              Cheers. - Frank"

                                                                              I say ditto.

                                                                              THEN he said that garbage about babies, cows, and $^&* and got banned for it!

                                                                              Steve
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                                                            • Originally Posted by garyv View Post

                                                              Not giving them the money I've earned is not a punishment - it's incentive to "aspire" to more. It makes absolutely no sense to pay more to those that don't aspire to it themselves.
                                                              Once again - you can't escape giving other people money you've earned. It's the price everyone pays for living in a civilization.
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                                                              • Profile picture of the author garyv
                                                                Originally Posted by Hopeless Bromantic View Post

                                                                Once again - you can't escape giving other people money you've earned. It's the price everyone pays for living in a civilization.
                                                                There's a difference between giving people money while they transition out of a bad situation, and giving people money to support their failure lifestyle.

                                                                Your mistake is in thinking that conservatives don't like giving money. We just don't like poor investments.
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                                                                • Originally Posted by garyv View Post

                                                                  There's a difference between giving people money while they transition out of a bad situation, and giving people money to support their failure lifestyle.

                                                                  Your mistake is in thinking that conservatives don't like giving money. We just don't like poor investments.
                                                                  And the mistake conservatives make is in thinking that taxes are an investment to begin with. It's impossible to run the government the way we would run a private, profit-making business. It simply can't be done.
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                                                                  • Profile picture of the author garyv
                                                                    Originally Posted by Hopeless Bromantic View Post

                                                                    And the mistake conservatives make is in thinking that taxes are an investment to begin with. It's impossible to run the government the way we would run a private, profit-making business. It simply can't be done.
                                                                    You see you've already exposed your lack of understanding of what a conservative thinks. We do not think taxes are an investment, but most of the time quite the opposite.

                                                                    And by the way conservatives also believe in helping people. But we feel that teaching people to fish is much more efficient, helpful, and dignified than giving away fish all of the time (especially when a majority of the fish isn't yours to begin with). Giving things away does not always equate to help. Sometimes withholding things is of much more help to a person.
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                                                                    • Originally Posted by garyv View Post

                                                                      And by the way conservatives also believe in helping people. But we feel that teaching people to fish is much more efficient, helpful, and dignified than giving away fish all of the time (especially when a majority of the fish isn't yours to begin with). Giving things away does not always equate to help. Sometimes withholding things is of much more help to a person.
                                                                      What conservative-backed programs are in place to train people who don't currently have marketable job skills?

                                                                      I hear lots of talk about it, but "where's the beef?"
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                                                                      • Profile picture of the author seasoned
                                                                        Originally Posted by Hopeless Bromantic View Post

                                                                        What conservative-backed programs are in place to train people who don't currently have marketable job skills?

                                                                        I hear lots of talk about it, but "where's the beef?"
                                                                        There are LOTS of them. HECK, they STARTED SCHOOLS here. But even if I validated every one and named them by name, it would be like talking about Saint jude, started by a catholic, or lutheran heart center here that they consider luteran(protestant).

                                                                        Steve
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                                                                      • Profile picture of the author garyv
                                                                        Originally Posted by Hopeless Bromantic View Post

                                                                        What conservative-backed programs are in place to train people who don't currently have marketable job skills?

                                                                        I hear lots of talk about it, but "where's the beef?"

                                                                        It's called OJT - Conservatives don't waste money using government bureaucracies to train people. We let companies keep more of their own money and they do it.

                                                                        You know earlier in this thread when everyone was asking why America can't be just as good as everyone else? Conservatives actually believe we can, so long as there's no bureaucracies or red tape gumming up the works.
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                                                                  • Profile picture of the author ronrule
                                                                    Originally Posted by Hopeless Bromantic View Post

                                                                    It's impossible to run the government the way we would run a private, profit-making business. It simply can't be done.
                                                                    You're exactly right. Not that "it can't be done" - just that the government can't seem to do it.

                                                                    Consider this ... UPS delivered 4.3 billion packages/documents in 2013, they made $46.5 billion. Meanwhile, the Post Office delivered 158.4 billion packages/documents in 2013 - more than 36 times the volume UPS had - yet the Post Office lost $5 billion.

                                                                    If the government ran the Post Office more like UPS, it could generate $1.67 trillion in federal revenue - that's about a third of the entire Federal budget. Instead, they run it like every other government agency - poorly - and cost the taxpayers money.
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                                                                    • Profile picture of the author Kurt
                                                                      Originally Posted by ronrule View Post

                                                                      You're exactly right. Not that "it can't be done" - just that the government can't seem to do it.

                                                                      Consider this ... UPS delivered 4.3 billion packages/documents in 2013, they made $46.5 billion. Meanwhile, the Post Office delivered 158.4 billion packages/documents in 2013 - more than 36 times the volume UPS had - yet the Post Office lost $5 billion.

                                                                      If the government ran the Post Office more like UPS, it could generate $1.67 trillion in federal revenue - that's about a third of the entire Federal budget. Instead, they run it like every other government agency - poorly - and cost the taxpayers money.
                                                                      And now for the rest of the story...Law makers, lobbied by the Koch brothers (friends of the former owner of Fed Ex), created a law that requires the USPS to fund the pension plan for their workers 75 years into the future.

                                                                      This means the USPS has to set aside money to pay for the retirement of workers that aren't even born yet. No other business or gov agency has to meet these ridiculous requirements.

                                                                      If the USPS didn't have this BS to manage, they'd be profitable. And it's the goal of some to break the USPS so they can gain that business for their own personal interests.

                                                                      And since the USPS is the largest employer of ex military vets, even if it breaks even it is a great deal as it pays its workers a good wage.

                                                                      BTW, the US Constitution requires the Fed gov to run a postal service and maintain postal roads.
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                                                                      • Profile picture of the author seasoned
                                                                        Originally Posted by Kurt View Post

                                                                        And now for the rest of the story...Law makers, lobbied by the Koch brothers (friends of the former owner of Fed Ex), created a law that requires the USPS to fund the pension plan for their workers 75 years into the future.

                                                                        This means the USPS has to set aside money to pay for the retirement of workers that aren't even born yet. No other business or gov agency has to meet these ridiculous requirements.
                                                                        That is hard to believe. They are UNIONIZED and don't the UNIONS usually handle that? But no matter WHAT the answer to the question, the fact is that Social security is beyond the tasks listed in section 8, but is still THERE! WHY do polticians and unions have pension funds if all others must fend for themselves or HOPE they get some CRUMBS from the Social security fund. Isn't that redundant and playing favorites?

                                                                        BTW the social security fund IS supposed to be ******FULLY FUNDED******! But if you see the list I included above, you can see how inflation hit, ESPECIALLY in the past 94 years, and the fund started with 1%! GIVE ME A BREAK! 1%!?!?!? Go to ANY financial planner and say you want a fund that pays what social security is supposed to pay(which is NOT enough), and tell them you only want to pay 1%. They will laugh you out of the office!

                                                                        NOW, it is more reasonable, but they aren't using it to pay for OUR retirement, but the people that are retired now.

                                                                        If the USPS didn't have this BS to manage, they'd be profitable. And it's the goal of some to break the USPS so they can gain that business for their own personal interests.

                                                                        And since the USPS is the largest employer of ex military vets, even if it breaks even it is a great deal as it pays its workers a good wage.
                                                                        I don't know if they could turn a profit even at TODAYS rates. As high as they are, they haven't kept up. They are ALSO playing the same garbage that they played with SS! They USED to have stamps where you bought say $.14 in stamps with $.14. If the price goes up to $.01, you have to buy more stamps. HOPEFULLY, the USPS could turn a profit on the money spent earlier, and nobody loses.

                                                                        NOW, they have "forever stamps". If you bought one for $.14, and the price goes up to $1.00, you saved $.86 over the current price. The USPS loses.

                                                                        BTW, the US Constitution requires the Fed gov to run a postal service and maintain postal roads.
                                                                        YEP, and it IS in section 8! Item 7.... "To establish post offices and post roads;".

                                                                        If they made the coding easier, they could do a LOT of sorting with practically no work, and make the post office better. At THIS point, they could have stamps.com create a special address stamp. It is capable, and should be easy enough to implement, and would help a LOT of mail.

                                                                        Steve
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                                                              • Profile picture of the author seasoned
                                                                Originally Posted by Hopeless Bromantic View Post

                                                                Once again - you can't escape giving other people money you've earned. It's the price everyone pays for living in a civilization.
                                                                You didn't read the whole statement! Basically Garyv, and I, and MANY OTHERS, have said If they want money, they should work for it!

                                                                Everyone realizes that someone that just can't do it, through no fault of their own, or has a handicap limiting them, needs some help, so such assistance is done just to do the right thing. But you CAN'T do that for EVERYONE!

                                                                If you did, everyone may want it and if everyone wanted and got it on the same basis everyone would have BILLIONS and the money would be worth NOTHING! With nobody in the country to provide services, how could the money have value? With nothing produced or done in the US, why should anyone else find use for the money?

                                                                Steve
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                                                          • Profile picture of the author TLTheLiberator
                                                            Originally Posted by Hopeless Bromantic View Post

                                                            I don't support paying able-bodied, able-minded people not to work any more than you do, Gary.

                                                            The reality in any adult population is: a large percentage of them aspire to nothing more than doing what they're told and playing by the rules. They do not deserve to be punished for this attitude.

                                                            In a capitalist society, this means that anyone who wants a job that pays a living wage should have one. Think of it as compensation for the loyalty of these people.

                                                            Neglect them, and they'll start to turn against you.

                                                            I hear you Bro.


                                                            IMHO...

                                                            We should strive for a society that supplies enough decent paying jobs for those that want one.

                                                            Some would argue why?

                                                            (maybe GaryV and Seasoned among others who may yet reveal themselves)


                                                            Why?

                                                            Because IMHO, a healthy economy with lots of decent paying jobs would be best for the vast majority of the American people from the children to the elderly.

                                                            A healthy economy should mean a whole lot more opportunity in the society versus a society where the unemployment rate is always high and the money's always tight for the average American.

                                                            A healthy economy would severely reduce the rolls of those persons receiving any type of public assistance - so the free-loader harpers can back off.

                                                            The anti-small-time-freeloaders proposed cuts are mostly counter productive in the scheme of the American economy...

                                                            ... and would only slow the recovery and/or general economic growth because these small-time-freeloaders almost always spend every dime they have into the general economy.

                                                            The more money floating around within the general population the better. It would certainly be better for any business that does business with the general public and...

                                                            ... why small business people would knowing support an economic system - with a horrible track record and one that does not strive for a healthy robust economy is beyond me.

                                                            Bro, the economic philosophy of Kay & Friends (Steve J., Seasoned, ThomM, GaryV, Mike A., perhaps Ron Rule and I would include Midnight Oil but he may get angry at me)...

                                                            (this ain't personal)

                                                            ... couldn't produce a robust economy in which jobs are plentiful if you put a gun to its head...

                                                            ... because it is not designed to do so.

                                                            It it designed to shovel ever more increasing amounts of goodies to the already wealthy and large corporations and not much of anything else to anyone else.

                                                            I will detail their economy philosophy and its effects on the American economy for you in upcoming posts.
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                                                            • Profile picture of the author garyv
                                                              Originally Posted by TLTheLiberator View Post

                                                              I hear you Bro.


                                                              IMHO...

                                                              We should strive for a society that supplies enough decent paying jobs for those that want one.
                                                              And we do that how? By taxing the job makers to death? Jobs just don't materialize out of thin air. You can't tax them into existence. Jobs are made when a supply is provided for a demand. More taxes are nothing but a barrier to that process. Why that is not clear to some is unfathomable to me.
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                                                            • Profile picture of the author SteveJohnson
                                                              Originally Posted by Hopeless Bromantic View Post

                                                              Once again - you can't escape giving other people money you've earned. It's the price everyone pays for living in a civilization.
                                                              The argument is over how high the price is...

                                                              Originally Posted by TLTheLiberator View Post

                                                              I hear you Bro.

                                                              IMHO...

                                                              We should strive for a society that supplies enough decent paying jobs for those that want one.
                                                              The last I heard, it was business that supplied the jobs and generated the wealth that some people think should belong to everyone, whether they work or not.

                                                              Originally Posted by TLTheLiberator View Post

                                                              Some would argue why?

                                                              (maybe GaryV and Seasoned among others who may yet reveal themselves)

                                                              Why?

                                                              Because IMHO, a healthy economy with lots of decent paying jobs would be best for the vast majority of the American people from the children to the elderly.
                                                              So enlighten me - how does a 'society' provide employment?

                                                              Originally Posted by TLTheLiberator View Post

                                                              A healthy economy should mean a whole lot more opportunity in the society versus a society where the unemployment rate is always high and the money's always tight for the average American.

                                                              A healthy economy would severely reduce the rolls of those persons receiving any type of public assistance - so the free-loader harpers can back off.
                                                              So how, pray tell, is a 'healthy economy' created? It sure isn't the round-robin sequence of tax and spend.

                                                              Originally Posted by TLTheLiberator View Post

                                                              The anti-small-time-freeloaders proposed cuts are mostly counter productive in the scheme of the American economy...

                                                              ... and would only slow the recovery and/or general economic growth because these small-time-freeloaders almost always spend every dime they have into the general economy.

                                                              The more money floating around within the general population the better. It would certainly be better for any business that does business with the general public and...
                                                              You must think that the money supply is in some rich person's mattress or something...? It already IS 'floating around within the general population'. Just not the population you want.

                                                              Originally Posted by TLTheLiberator View Post

                                                              ... why small business people would knowing support an economic system - with a horrible track record and one that does not strive for a healthy robust economy is beyond me.
                                                              Originally Posted by TLTheLiberator View Post


                                                              Bro, the economic philosophy of Kay & Friends (Steve J., Seasoned, ThomM, GaryV, Mike A., perhaps Ron Rule and I would include Midnight Oil but he may get angry at me)...

                                                              (this ain't personal)

                                                              ... couldn't produce a robust economy in which jobs are plentiful if you put a gun to its head...

                                                              ... because it is not designed to do so.

                                                              It it designed to shovel ever more increasing amounts of goodies to the already wealthy and large corporations and not much of anything else to anyone else.

                                                              I will detail their economy philosophy and its effects on the American economy for you in upcoming posts.
                                                              I am SO waiting for you to detail my economic philosophy. Knock yourself out, bud.
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                                                              • Profile picture of the author seasoned
                                                                Originally Posted by SteveJohnson View Post

                                                                The argument is over how high the price is...
                                                                YEP, it ALWAYS IS!

                                                                [/quote]The last I heard, it was business that supplied the jobs and generated the wealth that some people think should belong to everyone, whether they work or not.[/quote]

                                                                Well, the "federal reserve" clouded the issue with fiat money, and the federal government clouded it more with welfare.

                                                                So they figure MONEY=WEALTH. If ONLY that were true. VALUE=WEALTH. If only these people lived in the south in 1863! They created a similar currency that the confederacy, after the war, would buy back. Well, they lost, so the currency was probably worth little more than the value of the paper it was printed on.

                                                                The same thing has been happening with the current dollar, and it seems it has sped up relatively recently(like the last 40 years or so.

                                                                It sure isn't the round-robin sequence of tax and spend.
                                                                You have THAT right!

                                                                You must think that the money supply is in some rich person's mattress or something...? It already IS 'floating around within the general population'. Just not the population you want.
                                                                That's MY impression ALSO!

                                                                Talks from Milton Friedman, a famous noble prize earning economist

                                                                NAIL HIT ON HEAD!!


                                                                FREE LUNCH?


                                                                GREED



                                                                Steve
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                                                              • Profile picture of the author Kay King
                                                                The simple truth is - and you'll find the statistics and the stories all over the internet - the Clinton reforms reduced the welfare rolls tremendously.

                                                                Since those reforms were removed - the numbers have gone nowhere but up.

                                                                There are countless stories online by people who were on welfare tell how the reforms affected them over a 10 year period.

                                                                USATODAY.com - Then and now: How three families have come through

                                                                USATODAY.com - How welfare reform changed America

                                                                The Work versus Welfare Trade-Off: 2013 | Cato Institute

                                                                I'm not against benefit programs - or SNAP or even health care reform. I'm against the fragmented approach of overlaps and waste and the bureaucratic mess that keeps us from fully knowing the costs of the programs.
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                                                                • Profile picture of the author MikeAmbrosio
                                                                  Originally Posted by Kay King View Post

                                                                  The simple truth is - and you'll find the statistics and the stories all over the internet - the Clinton reforms reduced the welfare rolls tremendously.

                                                                  Since those reforms were removed - the numbers have gone nowhere but up.

                                                                  There are countless stories online by people who were on welfare tell how the reforms affected them over a 10 year period.

                                                                  USATODAY.com - Then and now: How three families have come through

                                                                  USATODAY.com - How welfare reform changed America

                                                                  The Work versus Welfare Trade-Off: 2013 | Cato Institute

                                                                  I'm not against benefit programs - or SNAP or even health care reform. I'm against the fragmented approach of overlaps and waste and the bureaucratic mess that keeps us from fully knowing the costs of the programs.
                                                                  Yeah, well smile. That's probably by design.

                                                                  And no - not just THIS administration. All of them to some degree.
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                                                                • Profile picture of the author MikeTucker
                                                                  Originally Posted by Kay King View Post

                                                                  The simple truth is - and you'll find the statistics and the stories all over the internet - the Clinton reforms reduced the welfare rolls tremendously.

                                                                  Since those reforms were removed - the numbers have gone nowhere but up.

                                                                  There are countless stories online by people who were on welfare tell how the reforms affected them over a 10 year period.

                                                                  USATODAY.com - Then and now: How three families have come through

                                                                  USATODAY.com - How welfare reform changed America

                                                                  The Work versus Welfare Trade-Off: 2013 | Cato Institute

                                                                  I'm not against benefit programs - or SNAP or even health care reform. I'm against the fragmented approach of overlaps and waste and the bureaucratic mess that keeps us from fully knowing the costs of the programs.
                                                                  ^^I only wish I could express myself so clearly and concisely!
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                                                          • Profile picture of the author ronrule
                                                            Originally Posted by Hopeless Bromantic View Post

                                                            In a capitalist society, this means that anyone who wants a job that pays a living wage should have one. Think of it as compensation for the loyalty of these people. Neglect them, and they'll start to turn against you.
                                                            And if those people have no marketable skills, what unfortunate employer should be forced to hire them and pay them that "living wage"?

                                                            Speaking of which ... what exactly defines a "living wage"? And would this wage be set at the national or local level? I remember about 17 years ago I was living in Virgina, 19 years old, making about $22k a year working full time. After all of the federal, state, and local taxes on my $22k there wasn't much left over. But my needs were small... I drove a beater car I bought for $750 and shared a 700 sq. ft. apartment with a girlfriend. When I moved to Florida, I was still only making $22k a year but because Florida had no state or local income taxes, and the cost of living was cheaper, I had enough left over to get a new car and buy a 1,600 sq. ft. house.

                                                            Clearly, "living wage" is a liquid definition that varies region to region. I could never have lived my age-19 Florida lifestyle in Virgina on the money I was making. But I was pretty damn comfortable in Florida. I see a lot of America like this... you have people who live in expensive areas whining about money, when the exact same salary would let you live pretty comfortably somewhere else. It doesn't seem like something that should be set at the national level.
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                                                      • Profile picture of the author seasoned
                                                        Originally Posted by Hopeless Bromantic View Post

                                                        Because most people don't have either the knowledge, talent, skill, strategy, or all of the above to achieve significant outcomes from their work alone, no matter how dedicated to it they are.

                                                        Does that mean they shouldn't be allowed to live with some level of dignity? Clearly the free market doesn't care whether they do; it can't. How should any given society make sure these people can be productive without being exploited?
                                                        So he wants to deny dignity and recompense to those that HAVE worked to get there to feign something for those that can't/won't?

                                                        $1,000,000 seems like a LOT of money, With 170 million $%^&* that you give it to, it comes to about $5882.36/year. But REMEMBER! HB says it should be a "SIGNIFICANT outcome"! Yeah, $5882, or even $22000, just WON'T cut it! I guess those that have "the knowledge, talent, skill, strategy" will just have to become SLAVES!

                                                        Steve
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                                                      • Profile picture of the author MikeAmbrosio
                                                        Originally Posted by Hopeless Bromantic View Post

                                                        Because most people don't have either the knowledge, talent, skill, strategy, or all of the above to achieve significant outcomes from their work alone, no matter how dedicated to it they are.

                                                        Does that mean they shouldn't be allowed to live with some level of dignity? Clearly the free market doesn't care whether they do; it can't. How should any given society make sure these people can be productive without being exploited?
                                                        I have a couple of "issues" with this thought process...

                                                        First, that you must feel living with some level of "dignity" relates to some sort of success and/or money.

                                                        And second that if some people just can't find success or opportunity that it's incumbent upon everyone else to do it for them so they can have some "dignity".

                                                        On the first, dignity isn't about a level of success or a number in a bank account. Dignity is all about self-worth, which no amount of money can buy. I won't rehash my own story because I did numerous times. But LONG before I had success or money I had dignity. My "dignity level" didn't increase with my success - only my sense of accomplishment and self reliance.

                                                        On the second, helping hand is one thing. Supporting to some defined by the less fortunate definition of dignity or success is something altogether different.

                                                        And to your comment about the right feeling that hard work is enough - I don't know a single person - left or right - that has ever said that. Who are you hanging around with anyway?
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                                              • Profile picture of the author MikeAmbrosio
                                                Originally Posted by Hopeless Bromantic View Post

                                                All right, and where is the opportunity supposed to come from these days? A lottery ticket? :rolleyes:

                                                If you're at the top 1% of your business, you'll succeed. For most people, hard work alone gets them nowhere.
                                                Opportunity comes from many places - usually it only comes to those actively searching for it. It RARELY just falls into your lap.

                                                One thing I know for certain - opportunity does NOT come from our government. Quite the opposite - they tax and regulate many into giving up.
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                                • Profile picture of the author seasoned
                                  quote=SteveJohnson;9098937]They don't believe in Spock's saw that "the needs of the many outweigh the needs of the few, or the one."[/quote]

                                  But if all give to a third party for all, that is not only worse than communism, it leaves all with nothing!

                                  Ask yourself! If there is no reward to do something riskier, why do it? Should a doctor REALLY make no more than a guy fresh out of highschool flipping hamburgers?

                                  MAN ALL the wars fought. All the arguments, etc... There IS a word for work with no real reward that is forced for the benefit of others, SLAVERY.

                                  HEY, here is a thought! Lets have the US pay EVERYONE on the planet minimum wage! OK!

                                  The SSA says the average wage is: 44,321.67
                                  Let's assume that is all people in the US. It is actually fewer, but.... 318,892,103. OK, that means $14,133,830,554,772.01. OK, divide by world population: 7,159,253,290.

                                  OK. Everyone ante up, and we can pay everyone $1974.20!

                                  WOW, what a HUGE payment! I'm sure many in india would LOVE that! Canada, US and australia, could YOU live on $1974.20 a year total income? And this does NOT leave money for employers or supplies. FORGET HEALTH CARE! The doctors will have NO incentive to be there, and there is no money for supplies. FORGET your pension funds, THEY would be gutted ALSO. It IS income afterall!

                                  And YEAH, I AM only using US here, but if all of the UK and its current possessions did it, do you think it would be much more? Would china, eastern europe, and the middle east ever consider it? Probably not.

                                  Do you REALLY think that spock would have considered one person forever giving half his money to an able bodied guy, that simply didn't want to work, logical? Do you REALLY think that he would consider it logical for an engineer to be paid the same as a part time janitor?

                                  And the idea of them "having no money" is ridiculously simplistic. On several episodes, they take of credits. They have people stealing ships for a REWARD. The ferengi use gold pressed latinum. ALL of them have conmen. So it ISN'T that they didn't have what we did 20 years ago. It is that they basically had what we have now. The credits in the US are called dollars, and valued accordingly, but they never have to really exist.

                                  Basically, MONEY=WORK! You do work, whether it is a service or providing work of others, and get MONEY so another that may not be interested in what you have can be paid to give you what YOU want. More WORK means more MONEY.

                                  HEY, anyone remember trouble with tribbles? Why didn't spock say BUT THERE ARE SO MANY OF THEM! THEY DESERVE THE GRAIN!

                                  https://www.youtube.com/watch?featur...&v=YHTs7zzharg

                                  Steve
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                                  • Profile picture of the author SteveJohnson
                                    Originally Posted by seasoned View Post

                                    Originally Posted by SteveJohnson View Post

                                    They don't believe in Spock's saw that "the needs of the many outweigh the needs of the few, or the one."
                                    WOW, what a HUGE payment! I'm sure many in india would LOVE that! Canada, US and australia, could YOU live on $1974.20 a year total income? And this does NOT leave money for employers or supplies. FORGET HEALTH CARE! The doctors will have NO incentive to be there, and there is no money for supplies. FORGET your pension funds, THEY would be gutted ALSO. It IS income afterall!

                                    And YEAH, I AM only using US here, but if all of the UK and its current possessions did it, do you think it would be much more? Would china, eastern europe, and the middle east ever consider it? Probably not.

                                    Do you REALLY think that spock would have considered one person forever giving half his money to an able bodied guy, that simply didn't want to work, logical? Do you REALLY think that he would consider it logical for an engineer to be paid the same as a part time janitor?

                                    And the idea of them "having no money" is ridiculously simplistic. On several episodes, they take of credits. They have people stealing ships for a REWARD. The ferengi use gold pressed latinum. ALL of them have conmen. So it ISN'T that they didn't have what we did 20 years ago. It is that they basically had what we have now. The credits in the US are called dollars, and valued accordingly, but they never have to really exist.
                                    ...

                                    HEY, anyone remember trouble with tribbles? Why didn't spoke say BUT THERE ARE SO MANY OF THEM! THEY DESERVE THE GRAIN!

                                    Steve
                                    Steve, it must be a fascinating experience filled with endless wonder to live inside your head :rolleyes:
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                                    • Profile picture of the author seasoned
                                      Originally Posted by SteveJohnson View Post

                                      Steve, it must be a fascinating experience filled with endless wonder to live inside your head :rolleyes:
                                      Well, HEY, the way things are going, with no real borders, international handouts, the talk of equal wages and all, this IS the way it is going. I'm simply telling people how it would work TODAY.

                                      And if the number is the only question, WHY NOT tribbles?

                                      Steve
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                                • Profile picture of the author TimPhelan
                                  Originally Posted by SteveJohnson View Post

                                  One 'excuse' some people have about not paying for a social program is based on their own principles and beliefs about the proper role of government.

                                  Many people believe that individual rights and liberty are more important than the confiscation of personal property to fund social programs, and against the threat of force that enables the confiscation. They don't believe in Spock's saw that "the needs of the many outweigh the needs of the few, or the one."
                                  So, I take it you think paying taxes should be a voluntary endeavor?

                                  Originally Posted by SteveJohnson View Post

                                  Steve, it must be a fascinating experience filled with endless wonder to live inside your head :rolleyes:
                                  I would add a few more decriptive words to that: confusing, befuddling, baffling, perplexing, scary, ******LOUD*****....
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                                  • Profile picture of the author seasoned
                                    Originally Posted by TimPhelan View Post

                                    So, I take it you think paying taxes should be a voluntary endeavor?
                                    Well, the IRS DID say it WAS voluntary! I couldn't find it on the IRS site, but I did actually look for it in the actual instruction books, because I was told it was there, and it WAS there.

                                    I would add a few more decriptive words to that: confusing, befuddling, baffling, perplexing, scary, ******LOUD*****....
                                    Thanks! Coming from you, that is a compliment!

                                    Steve
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                          • Profile picture of the author SteveJohnson
                            Originally Posted by Hopeless Bromantic View Post

                            Not cynical at all: every corporation has its first responsibility to its investors to make as much profit as it can. (Especially the publicly traded ones.) And there's absolutely nothing wrong with that.

                            The problem comes when there's a difference in the cost of labor between some countries and others. In that case, where the labor is more expensive, governments have to tweak the system (through tariffs and such) in order to prevent the labor market from getting hollowed out.
                            Every business makes decisions that adversely affect profitability. Just because something - raw material, labor, shipping - is less expensive and its use would add to the bottom line doesn't mean that the business changes to that product or service. That would be ludicrous; the market would be utter chaos with all the price wars.

                            So a better description might be that the first responsibility of a business is to profit as much as prudently possible, keeping the company's overall best interests at the forefront. This could very well - and often does - mean that the company will forego increased profits when it is not in the company's best interest to pursue them.
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                    • Profile picture of the author seasoned
                      Originally Posted by SteveJohnson View Post

                      Yours is in believing that because they can, they will, and your answer is to force them not to.

                      The eventual outcome of that is to make American business so unable to compete on the world market that they cannot stay in business.
                      RIGHT! GOVERNMENT is the problem here! LOWER domestic taxes, STOP increasing inflation and minimum wage, increase import duties, and reduce regulations. THAT coupled with a reduction of special visas, immigration, special subsidies, and affirmative action, and COSTS WILL DROP! Outsourcing of all kinds would drop, unemployment would drop. It would bring some business back, and even NEW business. It would likely help the trade deficit.

                      MEANWHILE, the VALUE of the minimum wage, along with other wages, would go up!

                      If you simply limit imports, or forbid companies to outsource(which is IMPOSSIBLE by the way), you will see costs go up as selection drops. The dollars value, and the living standard, would drop.

                      Steve
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                      • Profile picture of the author Kay King
                        Also from the Rand people:

                        RAND: Only One-Third Of Obamacare Exchange Sign-Ups Were From The Previously Uninsured - Forbes

                        I have no idea what the actual numbers of signups are - and see no reason to argue them with others who don't know any more than I do about it.

                        In time, we'll know how many previously uninsured are covered - and at some point there won't be a way to argue the numbers are lower - or to fudge the numbers higher. It will be what it is.
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                        • Profile picture of the author MikeAmbrosio
                          Originally Posted by TimPhelan View Post

                          New Rand study just came out and shows 9.3 million more insured now than in Sept 2013 and this is a net gain.
                          Originally Posted by Kay King View Post

                          Also from the Rand people:

                          RAND: Only One-Third Of Obamacare Exchange Sign-Ups Were From The Previously Uninsured - Forbes

                          I have no idea what the actual numbers of signups are - and see no reason to argue them with others who don't know any more than I do about it.

                          In time, we'll know how many previously uninsured are covered - and at some point there won't be a way to argue the numbers are lower - or to fudge the numbers higher. It will be what it is.
                          Exactly why this is such a tiresome "debate". Choose your numbers. You'd be right.

                          Or wrong.

                          :confused:
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                • Profile picture of the author SteveJohnson
                  Originally Posted by SteveJohnson View Post

                  Mine, on the other hand, is to look at why U.S. companies are finding it advantageous to shift jobs overseas and determine and implement ways to help US companies be more competitive in the world market so it isn't an economic necessity to shift the jobs.
                  I don't think I've ever quoted myself before...

                  I wanted to add that beyond the above, I would ask if it really mattered if the jobs shifted overseas?

                  Is it the job itself that is important, or is it the livelihood of the person that held the job? What if we could take the people who lost their jobs to a foreigner and teach them how to survive and even thrive when jobs go away?

                  What if we shifted our emphasis to creating an environment that encouraged entrepreneurs rather than encouraging our fellows to just become worker bees, at the mercy of the corporate head office?

                  More businesses mean more jobs for people who aren't suited to running their own business. More business means a thriving economy, one that can pay for infrastructure improvements.

                  Maybe we could even move the 'tax freedom day' back into early March as it was in the 40s and 50s instead of mid- to late-April as it is now? Isn't that like giving every person a 10% raise?
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            • Profile picture of the author TLTheLiberator
              Originally Posted by SteveJohnson View Post

              Your answer to a problem is always more regulation. You refuse to accept that less regulation may be a better solution. You would rather have jobs go overseas than back off on the regulatory fist that forced them there. The workers who lost their jobs suffer for it, but that doesn't seem to matter as much as maintaining or increasing control.
              Less regulation of Wall Street is what got us into the mess we're in right now.

              Less than 10 years after the repeal of glass-steagall we get a major economic problem of historic proportions.

              Your less regulation philosophy will only cut the powerful corporations loose on the American people even more than they have been let loose now - and its the last thing we need as a nation.
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              • Profile picture of the author seasoned
                Originally Posted by TLTheLiberator View Post

                Less regulation of Wall Street is what got us into the mess we're in right now.

                Less than 10 years after the repeal of glass-steagall we get a major economic problem of historic proportions.

                Your less regulation philosophy will only cut the powerful corporations loose on the American people even more than they have been let loose now - and its the last thing we need as a nation.
                WHO repealed glass steagall. WHO here has been talking aboout glass steagall a LONG time?

                Glass steagall is NOT the kind of regulation that is bad. Glass steagall was put into place because it allowed the agency that loaned money, and guarded peoples money, to place risky bets and effectively bet against itself, and support others doing the same.

                That doesn't seem too bad because HOW likely is it to fail, etc...? Well, in 1929 there was a major collapse, and banks proved to be bad at managing them.(SO UNDER GS they couldn't). The margin provided was too large(so it was reduced), banks going under couldn't cover insurance(so the two were isolated), brokers ended up doing VERY badly(so they were regulated). Glass steagall and blue sky laws were introduced. Of course, in the 1990s, GS was REPEALED! AND, with the poor writing in tarp, even INSURANCE companies got BANK bailouts! A loan company got a bank bailout, etc...

                Steve
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                • Profile picture of the author TLTheLiberator
                  Originally Posted by seasoned View Post

                  WHO repealed glass steagall. WHO here has been talking aboout glass steagall a LONG time?

                  Glass steagall is NOT the kind of regulation that is bad. Glass steagall was put into place because it allowed the agency that loaned money, and guarded peoples money, to place risky bets and effectively bet against itself, and support others doing the same.

                  That doesn't seem too bad because HOW likely is it to fail, etc...? Well, in 1929 there was a major collapse, and banks proved to be bad at managing them.(SO UNDER GS they couldn't). The margin provided was too large(so it was reduced), banks going under couldn't cover insurance(so the two were isolated), brokers ended up doing VERY badly(so they were regulated). Glass steagall and blue sky laws were introduced. Of course, in the 1990s, GS was REPEALED! AND, with the poor writing in tarp, even INSURANCE companies got BANK bailouts! A loan company got a bank bailout, etc...

                  Steve
                  I never said it was bad in fact it stopped a major financial problem from happening for 60 years.

                  I know Clinton signed on and I am saying getting rid of that set of regulations was an conservative impulse.

                  He also supposedly ended welfare as we know it right.

                  Less or no regulations = conservative impulse.

                  More or enough regs = progressive impulse.
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                  • Profile picture of the author Kay King
                    an conservative impulse.
                    So it wasn't negotiation, compromise or his considered opinion of what was best for the country as a while....it was a brain fart?
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                  • Profile picture of the author seasoned
                    Originally Posted by TLTheLiberator View Post

                    I never said it was bad in fact it stopped a major financial problem from happening for 60 years.

                    I know Clinton signed on and I am saying getting rid of that set of regulations was an conservative impulse.
                    But you said conservatives HATED such things! If you think about it, such an assertion is #$%^&. The country was, by definition, started by conservatives. They even used a special book to do it. And what was that book about? REGULATIONS! In fact the TITLE of the book is "LAW of nations". It's still in print, and even still in english, and amazon sells it.

                    Amazon.com: The Law of Nations (9780865974517):...Amazon.com: The Law of Nations (9780865974517):...
                    He also supposedly ended welfare as we know it right.
                    Well, he agreed to a compromise. IT has since been IGNORED!

                    Less or no regulations = conservative impulse.

                    More or enough regs = progressive impulse.
                    WRONG! Again, MAN! In the 1960s, "progressives" wanted to go against and FIGHT all the regs!

                    I will put it in clear terms:

                    Conservatives -- Strive to maintain a civil society under the precepts of the declaration of independence. The first 10 amendments, and some others, continued in that goal!

                    "progressives" -- Generally want to trash that, and come up with their own rules that tend to go AGAINST the declaration of independence. HECK, Pelosi recently tried to define the preamble in HER image! Although they want to TRASH it, and some have said that in so many words, they WILL use it! EXAMPLE? The 1st amendment says "FREEDOM OF RELIGION, FREEDOM TO REDRESS THE GOVERNMENT BY PROTEST AND PRESS, a somewhat vague reference to general(MAYBE) freedom of the press, oh and DON'T RESTRICT RELIGION!!!!!". SO, the "progressives" restrict religion saying it is their 1st amendment right(based on a letter sent to a pastor using the term "....a wall of separation of church and state...BUT it is a ONE WAY wall"), LIMIT protest and redress(If it is "conservative"), and silence the conservative media. HEY, READ the 1st amendment sometime!

                    Steve
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                    • Profile picture of the author TimPhelan
                      Originally Posted by seasoned View Post

                      The country was, by definition, started by conservatives.
                      Umm, wrong. By definition conservatives were the ones who wanted to keep things as they were, a colony under the King of England. This is an interesting topic but probably shouldn't be discussed in this thread.
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                      • Profile picture of the author seasoned
                        Originally Posted by TimPhelan View Post

                        Umm, wrong. By definition conservatives were the ones who wanted to keep things as they were, a colony under the King of England. This is an interesting topic but probably shouldn't be discussed in this thread.
                        OK, the US conservatives. But yea, country matters in such things. After all, benedict arnold was considered a PATROIT for Britain, even though the US considered him a TRAITOR! And HEY, THAT is why the "LON" describes "NBC" as they do! Arnold was not an NBC, and was thus subject to this. Interesting term "subject"! It has ANOTHER meaning ALSO! The only reason why Washington and the others were allowed to be president, was there was a special exemption in the constitution for them, but that expired long ago.

                        Steve
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                        • Profile picture of the author Kay King
                          Many experts doubt that the 1964 Civil Rights Act could pass today - CNN.com

                          I happened on the article linke above and was struck by the first few paragraphs...and especially this:

                          ... it was also indicative of an environment that's hard to imagine today: a Washington where lawmakers could disagree without a parade of polarizing polemics designed to serve a 24-hour news cycle rather than any constituency.
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                          • Profile picture of the author seasoned
                            Originally Posted by Kay King View Post

                            Many experts doubt that the 1964 Civil Rights Act could pass today - CNN.com

                            I happened on the article linke above and was struck by the first few paragraphs...and especially this:
                            OH how I would LOVE to point out, or even QUOTE a few parts in that. Alas, it would not only prove much of what I said, and disproe a lot some others have said, but it would be considered "political". 8-( It EVEN kills the idea of a "hero". Of course, at this point, he is dead anyway.

                            If you read it, read it ALL! Consider who was delaying things, who asked for a FURTHER delay, who helped stop the delay, WHY they wanted the delay, and what caused them to NOT delay it further.

                            Steve
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                            • Profile picture of the author TimPhelan
                              Originally Posted by seasoned View Post

                              OH how I would LOVE to point out, or even QUOTE a few parts in that. Alas, it would not only prove much of what I said, and disproe a lot some others have said, but it would be considered "political". 8-( It EVEN kills the idea of a "hero". Of course, at this point, he is dead anyway.

                              If you read it, read it ALL! Consider who was delaying things, who asked for a FURTHER delay, who helped stop the delay, WHY they wanted the delay, and what caused them to NOT delay it further.

                              Steve
                              Oh good grief. We all know southern democrats opposed the civil rights act. Do you think this is some sort of secret only you are privy to?
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                              • Profile picture of the author MikeAmbrosio
                                Originally Posted by seasoned View Post

                                OH how I would LOVE to point out, or even QUOTE a few parts in that. Alas, it would not only prove much of what I said, and disproe a lot some others have said, but it would be considered "political". 8-( It EVEN kills the idea of a "hero". Of course, at this point, he is dead anyway.

                                If you read it, read it ALL! Consider who was delaying things, who asked for a FURTHER delay, who helped stop the delay, WHY they wanted the delay, and what caused them to NOT delay it further.

                                Steve
                                Originally Posted by TimPhelan View Post

                                Oh good grief. We all know southern democrats opposed the civil rights act. Do you think this is some sort of secret only you are privy to?
                                How did we get here?

                                And really, why dos it matter so much? We can call ourselves Liberal, Conservatives, Libertarians all day long, but be honest - does anybody know someone who is 100%, by definition, ANY of these things?

                                There's a little Liberal in every Conservative, a little Conservative in every Liberal and a little Libertarian in everyone. Admit it or not.

                                This country for better AND for worse is because of all of these beliefs. Liberals didn't do everything right, Conservatives didn't do everything wrong (or vice versa). No matter what media outlets would have you believe.


                                </Rant>
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                                • Profile picture of the author TimPhelan
                                  Mike, I was responding more to Steve's apparent need to say I told you so and letting people know he wants to say more but can't because it's political. How many times have we seen the infamous ICSM or ICSSMM? Yes, we know you can say more, but we may already have heard it and/or actually agree with it.

                                  I don't disagree with anything you say in your "rant". In fact the passage of the civil rights act was a perfect example of what you say: many Dems were more conservative back then and many GOP members were more liberal.
                                  Originally Posted by MikeAmbrosio View Post

                                  How did we get here?

                                  And really, why dos it matter so much? We can call ourselves Liberal, Conservatives, Libertarians all day long, but be honest - does anybody know someone who is 100%, by definition, ANY of these things?

                                  There's a little Liberal in every Conservative, a little Conservative in every Liberal and a little Libertarian in everyone. Admit it or not.

                                  This country for better AND for worse is because of all of these beliefs. Liberals didn't do everything right, Conservatives didn't do everything wrong (or vice versa). No matter what media outlets would have you believe.


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                                  • Profile picture of the author MikeAmbrosio
                                    Originally Posted by TimPhelan View Post

                                    Mike, I was responding more to Steve's apparent need to say I told you so and letting people know he wants to say more but can't because it's political. How many times have we seen the infamous ICSM or ICSSMM? Yes, we know you can say more, but we may already have heard it and/or actually agree with it.

                                    I don't disagree with anything you say in your "rant". In fact the passage of the civil rights act was a perfect example of what you say: many Dems were more conservative back then and many GOP members were more liberal.
                                    Ok, this is true. But 2 things...

                                    1) Long time forum members already know this about Steve.
                                    2) I can only assume you respond for a variation of the same reason

                                    Either way, after over 700 posts this topic has strayed to a new topic. Perhaps it's time to let it fade into the archives...

                                    And you're right about Dems and the GOP. And I'll bet it'll change again. Talking about the founding fathers a few posts back about whether they were liberal or conservative, well, back then they called themselves the "Democratic-Republican" party (founded in 1793). What should we make of that? Perhaps that despite their differences, they knew how to work together to build a country?

                                    We could take a lesson ...
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                                    • Profile picture of the author TimPhelan
                                      Irony? This was before either of the modern party's were around so it wasn't like that party was bringing people together. It was just a name. Their opponents back then were the federalists.
                                      Originally Posted by MikeAmbrosio View Post

                                      What should we make of that?
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                                      • Profile picture of the author MikeAmbrosio
                                        Originally Posted by TimPhelan View Post

                                        Irony? This was before either of the modern party's were around so it wasn't like that party was bringing people together. It was just a name. Their opponents back then were the federalists.
                                        Irony - yeah in many ways. But I think (and it's only an opinion) it's because most largely wanted the same things.
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                                    • Profile picture of the author HeySal
                                      Originally Posted by MikeAmbrosio View Post

                                      Ok, this is true. But 2 things...

                                      1) Long time forum members already know this about Steve.
                                      2) I can only assume you respond for a variation of the same reason

                                      Either way, after over 700 posts this topic has strayed to a new topic. Perhaps it's time to let it fade into the archives...

                                      And you're right about Dems and the GOP. And I'll bet it'll change again. Talking about the founding fathers a few posts back about whether they were liberal or conservative, well, back then they called themselves the "Democratic-Republican" party (founded in 1793). What should we make of that? Perhaps that despite their differences, they knew how to work together to build a country?

                                      We could take a lesson ...
                                      Serious. Our forefathers were just what I consider freedom fighters - no more or less. They were oppressed and fought to unlock the shackles.
                                      Today we have "parties". Probably the biggest ruse in politics anywhere. We aren't the ones who decide. Our politicians call themselves repubs and dems -- but at the bottom, the way things have evolved is that they are control freak opportunists. They don't have any business being in our health care. There's only one way to reform our gov - and that is to limit terms and to take away their perks - no insider trading (which they've made legal for themselves), no corporate sponsorships, pensions that are equivalent to what the rest of society gets rather than these lucrative special benefits fit for kings. Straight salary and if you are caught getting "perks" on the side, you are out on your butt right away.

                                      And the only way to truly reform health care in a society that has built a lucrative medical industrial complex that has the core aim of making illnesses chronic rather than to cure them.......for major prices...........is to render it non-profit. I don't see this ACA doing one damned thing about bringing those 1- 2000% profits on drugs down one bit. The only clamp down I've seen is how much medical care you can receive. Did you know hospitals pay a fine now if someone is admitted twice within 30 days? What does that mean in a system set up to support corps rather than people? It means that if they mess up and you need to go back or if you are just that sick, it's highly unlikely you will be admitted in time.

                                      Anyone who trusts a system that the IRS gets the bottom line on the say of how you are allowed to be treated ---- I just feel really sorry for you. The way we are being bilked of dollar after dollar by people who only serve in office because it will set them and their family and friends up comfy for life is not an attitude I want invading the doctor's office.
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                                      • Profile picture of the author TLTheLiberator
                                        Originally Posted by HeySal View Post

                                        Serious. Our forefathers were just what I consider freedom fighters - no more or less. They were oppressed and fought to unlock the shackles.
                                        Today we have "parties". Probably the biggest ruse in politics anywhere. We aren't the ones who decide. Our politicians call themselves repubs and dems -- but at the bottom, the way things have evolved is that they are control freak opportunists. They don't have any business being in our health care. There's only one way to reform our gov - and that is to limit terms and to take away their perks - no insider trading (which they've made legal for themselves), no corporate sponsorships, pensions that are equivalent to what the rest of society gets rather than these lucrative special benefits fit for kings. Straight salary and if you are caught getting "perks" on the side, you are out on your butt right away.

                                        And the only way to truly reform health care in a society that has built a lucrative medical industrial complex that has the core aim of making illnesses chronic rather than to cure them.......for major prices...........is to render it non-profit. I don't see this ACA doing one damned thing about bringing those 1- 2000% profits on drugs down one bit. The only clamp down I've seen is how much medical care you can receive. Did you know hospitals pay a fine now if someone is admitted twice within 30 days? What does that mean in a system set up to support corps rather than people? It means that if they mess up and you need to go back or if you are just that sick, it's highly unlikely you will be admitted in time.

                                        Anyone who trusts a system that the IRS gets the bottom line on the say of how you are allowed to be treated ---- I just feel really sorry for you. The way we are being bilked of dollar after dollar by people who only serve in office because it will set them and their family and friends up comfy for life is not an attitude I want invading the doctor's office.
                                        You are entitled.
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                                      • Profile picture of the author SteveJohnson
                                        Originally Posted by HeySal View Post

                                        Serious. Our forefathers were just what I consider freedom fighters - no more or less. They were oppressed and fought to unlock the shackles. ...
                                        And who would be seen today (and in the sights of 'Homeland Security') as right-wing anti-government radicals.
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                                        • Profile picture of the author TLTheLiberator
                                          Originally Posted by SteveJohnson View Post

                                          And who would be seen today (and in the sights of 'Homeland Security') as right-wing anti-government radicals.
                                          No matter who they were or are, if anyone seeks to overthrow the federal gov by any means other than elections etc., then I think its perfectly fine that they would be viewed as a threat.

                                          Don't you?
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                                          • Profile picture of the author SteveJohnson
                                            Originally Posted by TLTheLiberator View Post

                                            No matter who they were or are, if anyone seeks to overthrow the federal gov by any means other than elections etc., then I think its perfectly fine that they would be viewed as a threat.

                                            Don't you?
                                            Of course they would be a threat to the established government. That would be the point, no?
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                                          • Profile picture of the author seasoned
                                            Originally Posted by TLTheLiberator View Post

                                            No matter who they were or are, if anyone seeks to overthrow the federal gov by any means other than elections etc., then I think its perfectly fine that they would be viewed as a threat.

                                            Don't you?
                                            You mean like the black panthers threatening to harm people trying to vote? Or people denying people the right to vote? Or do you mean sending people to the wrong voting area?
                                            Or is it allowing people to vote multiple times? I KNOW! I KNOW! It is forcing people to decide between their lives and a chance to vote!

                                            Steve
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                                            • Profile picture of the author TLTheLiberator
                                              Originally Posted by seasoned View Post

                                              You mean like the black panthers threatening to harm people trying to vote? Or people denying people the right to vote? Or do you mean sending people to the wrong voting area?
                                              Or is it allowing people to vote multiple times? I KNOW! I KNOW! It is forcing people to decide between their lives and a chance to vote!

                                              Steve

                                              You are entitled.
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                                  • Profile picture of the author seasoned
                                    Originally Posted by TimPhelan View Post

                                    Mike, I was responding more to Steve's apparent need to say I told you so and letting people know he wants to say more but can't because it's political. How many times have we seen the infamous ICSM or ICSSMM? Yes, we know you can say more, but we may already have heard it and/or actually agree with it.

                                    I don't disagree with anything you say in your "rant". In fact the passage of the civil rights act was a perfect example of what you say: many Dems were more conservative back then and many GOP members were more liberal.
                                    It was ALWAYS in response to someone else. I didn't even talk about these things earlier, NOT EVEN HERE!

                                    Steve
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                                • Profile picture of the author seasoned
                                  Originally Posted by MikeAmbrosio View Post

                                  And really, why dos it matter so much?
                                  I earlier thought it didn't mean so much.

                                  We can call ourselves Liberal, Conservatives, Libertarians all day long, but be honest - does anybody know someone who is 100%, by definition, ANY of these things?

                                  There's a little Liberal in every Conservative, a little Conservative in every Liberal and a little Libertarian in everyone. Admit it or not.
                                  YEP, sometimes there is even a gray area.

                                  This country for better AND for worse is because of all of these beliefs. Liberals didn't do everything right, Conservatives didn't do everything wrong (or vice versa). No matter what media outlets would have you believe.
                                  Nothing is perfect. *****NOTHING*****

                                  Steve
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                              • Profile picture of the author seasoned
                                Originally Posted by TimPhelan View Post

                                Oh good grief. We all know southern democrats opposed the civil rights act. Do you think this is some sort of secret only you are privy to?
                                NOPE, but I hear a LOT of people lately saying that it isn't and wasn't so.

                                I mean you must have voted for something if you did. And if you did, than you didn't never do it. I hate to sound like yogi berra, but...

                                Steve
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              • Originally Posted by Ken_Caudill View Post

                Of course the fact that the government made high-risk loans virtually risk-free for private lenders had nothing at all to do with it, right?
                Compared to what the banking houses were doing with tranches of subprime loans, government lending was peanuts.
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                • Profile picture of the author SteveJohnson
                  Originally Posted by Hopeless Bromantic View Post

                  Compared to what the banking houses were doing with tranches of subprime loans, government lending was peanuts.
                  Which they were required to originate to comply with the CRA, and encouraged by Fed money policy, and reinforced by the actions of Fannie and Freddie.

                  Again - getting back sort of on track - why in the world would, should, or could we trust the government to manage a complex system that comprises 1/7 of the US economy given their track record so far?

                  Many of you see the already evident failures of Obamacare as glitches in the process instead of what they probably are: the calm before the storm.
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              • Profile picture of the author SteveJohnson
                Originally Posted by TLTheLiberator View Post

                Less regulation of Wall Street is what got us into the mess we're in right now.

                Less than 10 years after the repeal of glass-steagall we get a major economic problem of historic proportions.

                Your less regulation philosophy will only cut the powerful corporations loose on the American people even more than they have been let loose now - and its the last thing we need as a nation.
                Shall we talk about the influence the Community Reinvestment Act and its changes had on the 'major economic problem of historic proportions'? The act let loose the regulators with little guidance, and the house came tumbling down.

                Lest we lose sight of the overall picture here, I've never said that all regulation is bad or that a totally unfettered business environment is desirable.

                We've both given examples of how government entities bear at least some responsibility for the late-2000s crash, if not most of the responsibility.

                The government can't regulate the financial system reliably. How can we expect any different results from their intrusion into the health care system?
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                • Profile picture of the author TLTheLiberator
                  Originally Posted by SteveJohnson View Post

                  Shall we talk about the influence the Community Reinvestment Act and its changes had on the 'major economic problem of historic proportions'? The act let loose the regulators with little guidance, and the house came tumbling down.

                  Lest we lose sight of the overall picture here, I've never said that all regulation is bad or that a totally unfettered business environment is desirable.

                  We've both given examples of how government entities bear at least some responsibility for the late-2000s crash, if not most of the responsibility.

                  The government can't regulate the financial system reliably. How can we expect any different results from their intrusion into the health care system?
                  A couple million bad mortgages going bad would only shaken out the housing market and caused a mild recession.

                  But Wall Street created financial instruments (derivatives etc.) from that bad paper, bundled them, sold them to suckers and even bet against them - against the suckers they sold the paper to.

                  When the derivatives blew up (and not in good way) then the bailout and the trashing of the entire economy ensued.

                  The great recession would not have happened if Wall Street had not go involved with those instruments.

                  Note: Those instruments did not have to be created.

                  Once again...

                  A couple million bad mortgages going bad would only shaken out the housing market and caused a mild recession - if that.

                  I'm not trying absolve the feds from their involvement but Wall Street's antics are what tipped the economy into the great recession.


                  You also said...

                  The government can't regulate the financial system reliably.

                  How can we expect any different results from their intrusion into the health care system?

                  I say...


                  That's just it, the feds gave up regulating Wall Street and looked the other way.

                  #1: By repealing Glass/Steagall.

                  #2: Letting those financial institutions create and use those derivatives without serious regulations.
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              • Profile picture of the author TLTheLiberator
                Originally Posted by Ken_Caudill View Post

                Of course the fact that the government made high-risk loans virtually risk-free for private lenders had nothing at all to do with it, right?

                A couple million bad mortgages going bad would only shaken out the housing market and caused a mild recession.

                But Wall Street created financial instruments (derivatives etc.) from that bad paper, bundled them, sold them to suckers and even bet against them - against the suckers they sold the paper to.

                Note: Those instruments did not have to be created.

                When the derivatives blew up (and not in good way) then the bailout and the trashing of the entire economy ensued.

                The great recession would not have happened if Wall Street had not go involved with those instruments.

                Once again...

                A couple million bad mortgages going bad would only shaken out the housing market and caused a mild recession - if that.

                I'm not trying absolve the feds from their involvement but Wall Street's antics are what tipped the economy into the great recession.
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                • Profile picture of the author ronrule
                  Originally Posted by TLTheLiberator View Post

                  A couple million bad mortgages going bad would only shaken out the housing market and caused a mild recession.

                  But Wall Street created financial instruments (derivatives etc.) from that bad paper, bundled them, sold them to suckers and even bet against them - against the suckers they sold the paper to.

                  Note: Those instruments did not have to be created.

                  When the derivatives blew up (and not in good way) then the bailout and the trashing of the entire economy ensued.

                  The great recession would not have happened if Wall Street had not go involved with those instruments.

                  Once again...

                  A couple million bad mortgages going bad would only shaken out the housing market and caused a mild recession - if that.

                  I'm not trying absolve the feds from their involvement but Wall Street's antics are what tipped the economy into the great recession.
                  Wait a sec ... so you really think that Wall Street had more to do with the crash than Government? Under Clinton and Barney Frank, the government basically said "We want more minorities to own houses" and mandated that banks grant those loans to less than credit worthy people, with the promise that Fannie & Freddy would buy the notes.

                  And that's exactly what they did. The banks, under Federal mandate, wrote loans to people who were unqualified, then packaged them up and sold them off. With interest rates artificially low, everyone was making tons of cash.

                  But when the Federal Reserve under Greenspan started raising the interest rates, it triggered the Tsunami - suddenly those homeowners, who could afford their payment at the low rate, couldn't afford it at the high payment. So they put their homes up for sale. The first people affected by the rate hikes made out pretty well ... they got out early and put the appreciation in their pocket. But as the rates continued to rise, causing more people to put their houses up for sale, eventually there were more homes on the market than buyers and prices started coming down. Which lead to values coming down. Which lead to banks holding notes for more than the houses were now appraising, and you know the rest of the story from there.

                  But make no mistake about it... it was the combination of the government MANDATING that banks give loans to unqualified buyers, and the federal reserve manipulating the interest rates, that caused the crash. Not "Wall Street Greed".
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                  • Profile picture of the author TLTheLiberator
                    Originally Posted by ronrule View Post

                    Wait a sec ... so you really think that Wall Street had more to do with the crash than Government? Under Clinton and Barney Frank, the government basically said "We want more minorities to own houses" and mandated that banks grant those loans to less than credit worthy people, with the promise that Fannie & Freddy would buy the notes.

                    And that's exactly what they did. The banks, under Federal mandate, wrote loans to people who were unqualified, then packaged them up and sold them off. With interest rates artificially low, everyone was making tons of cash.

                    But when the Federal Reserve under Greenspan started raising the interest rates, it triggered the Tsunami - suddenly those homeowners, who could afford their payment at the low rate, couldn't afford it at the high payment. So they put their homes up for sale. The first people affected by the rate hikes made out pretty well ... they got out early and put the appreciation in their pocket. But as the rates continued to rise, causing more people to put their houses up for sale, eventually there were more homes on the market than buyers and prices started coming down. Which lead to values coming down. Which lead to banks holding notes for more than the houses were now appraising, and you know the rest of the story from there.

                    But make no mistake about it... it was the combination of the government MANDATING that banks give loans to unqualified buyers, and the federal reserve manipulating the interest rates, that caused the crash. Not "Wall Street Greed".
                    Sir you are entitled.
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                    • Profile picture of the author ronrule
                      Originally Posted by TLTheLiberator View Post

                      Sir you are entitled.
                      :rolleyes: You always say that when you're unable to dispute the facts.
                      http://www.forbes.com/2009/02/13/hou...ard_pinto.html
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                      • Profile picture of the author TLTheLiberator
                        Originally Posted by ronrule View Post

                        :rolleyes: You always say that when you're unable to dispute the facts.
                        A Government-Mandated Housing Bubble - Forbes
                        No, I say that when... (I'll copy it from my explanation to Seasoned)

                        Sir, you are entitled - which means one and/or a combo of the following.

                        A: I'm not going back and forth with you. (maybe we've already done that and I don't have further time or inclination)

                        B: Your response is such nonsense IMHO, and/or all over the place with non sequiturs its not worth my time to respond.

                        C: You are entitled to your opinion and we have a difference of opinion - great.

                        In this situation C fits the bill IMHO.
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                        • Profile picture of the author seasoned
                          Originally Posted by TLTheLiberator View Post

                          No, I say that when... (I'll copy it from my explanation to Seasoned)

                          Sir, you are entitled - which means one and/or a combo of the following.

                          A: I'm not going back and forth with you. (maybe we've already done that and I don't have further time or inclination)

                          B: Your response is such nonsense IMHO, and/or all over the place with non sequiturs its not worth my time to respond.

                          C: You are entitled to your opinion and we have a difference of opinion - great.

                          In this situation C fits the bill IMHO.
                          In other words, you don't want to respond, and it likely means you have no facts to back it up.

                          One foreclosure is NOT a foreclosure. It is AT BEST:

                          1. loss of a home.
                          2. increased costs to the inhabitants.
                          3. a cost to a bank.
                          4. a foreclosure!

                          If it is subprime, or an otherwise bad risk, it is often ALSO, AT BEST:

                          5. a cost to tax payers.
                          6. a larger cost to the banks

                          If the times are bad, or the home market is otherwise slow, you can add:

                          * a GREATER loss to the banks
                          * a GREATER loss to tax payers
                          * etc....

                          And what if one of those taxpayers, banks, or potentially nation residents happens to provide income to or make decisions about employers/employees? It can feed on itself. And THAT is what happened.

                          QUIT HARPING ABOUT DERIVATIVES! YOU want to tax the rich a LOT, and think only the rich make investments. On that basis, derivatives by YOUR understanding have NO impact! Did THEY cause the housing crisis? NOPE! HECK, they helped finance a lot of those sub prime loans. The derivatives had their BIGGEST effect on foreign economies like the icelandic region that invested heavily in derivatives. THEY lost their shirts! And WHO got the money? The US!

                          Steve
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                        • Profile picture of the author ronrule
                          Originally Posted by TLTheLiberator View Post

                          No, I say that when... (I'll copy it from my explanation to Seasoned)

                          Sir, you are entitled - which means one and/or a combo of the following.

                          A: I'm not going back and forth with you. (maybe we've already done that and I don't have further time or inclination)

                          B: Your response is such nonsense IMHO, and/or all over the place with non sequiturs its not worth my time to respond.

                          C: You are entitled to your opinion and we have a difference of opinion - great.

                          In this situation C fits the bill IMHO.
                          It's not an opinion...

                          Just read the Forbes article I linked, it breaks down exactly what I was saying really well. Banks held an average of 5% subprime notes (meaning of all the notes they held, only 5% were subprime). Fannie & Freddie's portfolios consisted of 75% subprime notes, because they were mandated to do so by government... if you don't understand how government is 100% at fault for how we got there, that's OK, just read the facts and you will.

                          This isn't a right vs. left thing man, it's math. This happened under both Clinton and Bush. You seem to be letting your personal politics overrule common sense and facts, choosing to argue based on opinions. There is nothing to agree or disagree about here ... there's only one truth. The reason that the bubble both existed and created a worldwide financial crisis is that it was inflated with low-quality loans required by government mandate.
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                          • Profile picture of the author TimPhelan
                            Originally Posted by ronrule View Post

                            Just read the Forbes article I linked, it breaks down exactly what I was saying really well. Banks held an average of 5% subprime notes
                            Here's a good study about how the lack of regulations of IMCs ( independent mortgage companies ) contributed to the crisis.

                            "As market discipline deteriorated during the boom, mortgage lending
                            became increasingly channeled through the least regulated segment of the market, i.e.,
                            independent mortgage companies (IMCs). During the boom, IMCs expanded rapidly
                            particularly in areas with high credit risk and lower income growth and originated a disproportionately larger share of risky high-yield loans...

                            Our findings suggest that tighter and more consistent regulations of banks and IMCs
                            could have helped avert some of the risky lending that took place during the boom."

                            What Fuels the Boom Drives the Bust: Regulation and the Mortgage Crisis by Jihad Dagher, Ning Fu :: SSRN

                            So Banks were more regulated and that's why they held such a low percentage of subprime notes. The IMSc were less regulated and had a larger percentage of subprimes. I think that Forbes article may have left this part out on purpose or they just were unaware of this.


                            The reason that the bubble both existed and created a worldwide financial crisis is that it was inflated with low-quality loans required by government mandate.
                            The government surely played a role in the crisis and Fannie and Freddie also did, but the Financial Crisis Inquiry Report came to the conclusion that F&F and GSIs ( government sponsored enterprises ) "were not a primary cause". In fact the report states that:

                            "Importantly, GSE mortgage securities essentially maintained their value
                            throughout the crisis and did not contribute to the significant financial firm losses
                            that were central to the financial crisis.


                            The GSEs participated in the expansion of subprime and other risky mortgages,
                            but they followed rather than led Wall Street and other lenders in the rush for fool's
                            gold. They purchased the highest rated non-GSE mortgage-backed securities and
                            their participation in this market added helium to the housing balloon, but their purchases
                            never represented a majority of the market.

                            While they generated substantial losses, delinquency
                            rates for GSE loans were substantially lower than loans securitized by other financial
                            firms. For example, data compiled by the Commission for a subset of borrowers with
                            similar credit scores--scores below 660--show that by the end of 2008, GSE mortgages
                            were far less likely to be seriously delinquent than were non-GSE securitized
                            mortgages: 6.2% versus 28.3%
                            .

                            We also studied at length how the Department of Housing and Urban Development's
                            (HUD's) affordable housing goals for the GSEs affected their investment in risky mortgages. Based on the evidence and interviews with dozens of individuals involved
                            in this subject area, we determined these goals only contributed marginally to
                            Fannie's and Freddie's participation in those mortgages."

                            http://www.gpo.gov/fdsys/pkg/GPO-FCIC/pdf/GPO-FCIC.pdf
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                          • Profile picture of the author TLTheLiberator
                            Originally Posted by ronrule View Post

                            It's not an opinion...

                            Just read the Forbes article I linked, it breaks down exactly what I was saying really well. Banks held an average of 5% subprime notes (meaning of all the notes they held, only 5% were subprime). Fannie & Freddie's portfolios consisted of 75% subprime notes, because they were mandated to do so by government... if you don't understand how government is 100% at fault for how we got there, that's OK, just read the facts and you will.

                            This isn't a right vs. left thing man, it's math. This happened under both Clinton and Bush. You seem to be letting your personal politics overrule common sense and facts, choosing to argue based on opinions. There is nothing to agree or disagree about here ... there's only one truth. The reason that the bubble both existed and created a worldwide financial crisis is that it was inflated with low-quality loans required by government mandate.
                            I have not excused the feds (with the mortgage stuff) role in the whole thing and I am saying that it is a piece of the puzzle.

                            But you and others in here...

                            ...seem to be hell-bent...

                            ...on pretending that WS (with all their shenanigans), had nothing to do with the worst financial crisis since the crash of 1929.

                            Do you folks work on WS or something like that? If so, I could understand your reluctance to implicate WS in the mess.

                            Does anyone really expect Forbes to say WS had a big hand in the crisis?

                            Why would it make sense that WS had nothing to do with any serious U.S. financial calamity?

                            You and others claiming/acting that WS had nothing to do with it,...

                            ....is just as ridiculous as someone claiming the feds and the mortgage stuff had nothing to do with it.

                            To the folks claiming that WS had no significant input in causing the crisis, I'm going to have to say that you are entitled.


                            Have fun!
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                            • Profile picture of the author ronrule
                              Originally Posted by TLTheLiberator View Post

                              I have not excused the feds (with the mortgage stuff) role in the whole thing and I am saying that it is a piece of the puzzle.

                              But you and others in here...

                              ...seem to be hell-bent...

                              ...on pretending that WS (with all their shenanigans), had nothing to do with the worst financial crisis since the crash of 1929.

                              Do you folks work on WS or something like that? If so, I could understand your reluctance to implicate WS in the mess.

                              Does anyone really expect Forbes to say WS had a big hand in the crisis?

                              Why would it make sense that WS had nothing to do with any serious U.S. financial calamity?

                              You and others claiming/acting that WS had nothing to do with it,...

                              ....is just as ridiculous as someone claiming the feds and the mortgage stuff had nothing to do with it.

                              To the folks claiming that WS had no significant input in causing the crisis, I'm going to have to say that you are entitled.


                              Have fun!
                              It's not a "piece of the puzzle" ... it is the puzzle.

                              Clear your personal bias and put yourself in the position of a mortgage broker... just for a minute.

                              You're a reputable guy, you stick to the rules and do what you're supposed to do. Your business model is to write mortgages, then sell them to the bigger banks. Those banks set the terms for what kind of mortgages they're willing to buy. If you write a mortgage for someone who doesn't meet their minimum criteria, they won't buy it, and you're stuck carrying that note. You don't have that kind of cash, nor can you risk the default, so if you don't have a buyer you don't write those mortgages.

                              That's the real world of mortgage underwriting.

                              Now ... pretend the "bigger bank" is the US Government. And pretend they tell you that you are now REQUIRED to make a certain percentage of the mortgages you write subprime. But don't worry, they'll still buy them - in fact, they'll buy as many as you can give them.

                              By the way... this is a mandate, so if you don't do it, you're out of business.

                              What do you do?

                              Do you, on principle, decide not to write those mortgages and put yourself out of business? Or do you look at the positive: that a family who couldn't afford a home before could now. The rates are lower. The doc & credit requirements are lower. These people, who couldn't have ever been your customer a year ago, can be now.

                              So you write a few. You meet that minimum criteria. But then word gets around that people who didn't used to qualify for mortgages can now, and more start calling you. You're on top of the world... You're making more money than ever. You increase your marketing and take on as many customers as you can get. I mean, there's no down side ... real estate prices are going up, interest rates are staying low, and those buyers can always refi out of those crappy loans once their credit improves a little. All of this spending and prosperity, simply because the government expanded the pool of authorized applicants with the stroke of a pen.

                              What, exactly, are you "guilty" of here? You call it greed. I call it a side effect of a government mandate.

                              F&F held the mortgages of 40% of the country - and their portfolio was 75% subprime. That math doesn't work... it never could. When the interest rates went up, the house of cards came crashing down and the chain reaction started.

                              And then the government, the very same organization that started the whole mess, has the nerve to blame it on the banks? The banks only started selling those crappy mortgages because the government told them they have to. And, for a while, it was a win for everyone (government, homeowner, and mortgage broker) so they continued doing it as long as the government continued buying them. That's not greed, man.

                              It's completely ridiculous to place the blame ANYWHERE but on Government for making the conditions possible.
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                              • Profile picture of the author TLTheLiberator
                                Originally Posted by ronrule View Post

                                It's not a "piece of the puzzle" ... it is the puzzle.

                                Clear your personal bias and put yourself in the position of a mortgage broker... just for a minute.

                                You're a reputable guy, you stick to the rules and do what you're supposed to do. Your business model is to write mortgages, then sell them to the bigger banks. Those banks set the terms for what kind of mortgages they're willing to buy. If you write a mortgage for someone who doesn't meet their minimum criteria, they won't buy it, and you're stuck carrying that note. You don't have that kind of cash, nor can you risk the default, so if you don't have a buyer you don't write those mortgages.

                                That's the real world of mortgage underwriting.

                                Now ... pretend the "bigger bank" is the US Government. And pretend they tell you that you are now REQUIRED to make a certain percentage of the mortgages you write subprime. But don't worry, they'll still buy them - in fact, they'll buy as many as you can give them.

                                By the way... this is a mandate, so if you don't do it, you're out of business.

                                What do you do?

                                Do you, on principle, decide not to write those mortgages and put yourself out of business? Or do you look at the positive: that a family who couldn't afford a home before could now. The rates are lower. The doc & credit requirements are lower. These people, who couldn't have ever been your customer a year ago, can be now.

                                So you write a few. You meet that minimum criteria. But then word gets around that people who didn't used to qualify for mortgages can now, and more start calling you. You're on top of the world... You're making more money than ever. You increase your marketing and take on as many customers as you can get. I mean, there's no down side ... real estate prices are going up, interest rates are staying low, and those buyers can always refi out of those crappy loans once their credit improves a little. All of this spending and prosperity, simply because the government expanded the pool of authorized applicants with the stroke of a pen.

                                What, exactly, are you "guilty" of here? You call it greed. I call it a side effect of a government mandate.

                                F&F held the mortgages of 40% of the country - and their portfolio was 75% subprime. That math doesn't work... it never could. When the interest rates went up, the house of cards came crashing down and the chain reaction started.

                                And then the government, the very same organization that started the whole mess, has the nerve to blame it on the banks? The banks were only selling those crappy mortgages because the government told them they have to.

                                It's completely ridiculous to place the blame ANYWHERE but on Government for making the conditions possible.
                                I wasn't talking about the banks selling mortgages I was talking about all the financial instruments (derivatives etc.,)...

                                ... WS created from the mortgages, then they acted like they were backed up by prime mortgages then sold them and bet against them,...

                                ... bet against their own clients they sold them to, blew up in their faces and wala - we had the great recession and the aftermath.

                                Note: Those instruments did not have to be created but you know WS.

                                Why do I have the feeling that even under torture to your dying breath you'll try to cover up WS's part in the mess?

                                But you are entitled and that's going to be the end of this particular subject for me because all we're going to do is go round and round.
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                                • Profile picture of the author ronrule
                                  Originally Posted by TLTheLiberator View Post

                                  I wasn't talking about the banks selling mortgages I was talking about all the financial instruments (derivatives etc.,)...

                                  ... WS created from the mortgages, then they acted like they were backed up by prime mortgages then sold them and bet against them,...

                                  ... bet against their own clients they sold them to, blew up in their faces and wala - we had the great recession and the aftermath.

                                  Note: Those instruments did not have to be created but you know WS.

                                  Why do I have the feeling that even under torture to your dying breath you'll try to cover up WS's part in the mess?

                                  But you are entitled and that's going to be the end of this particular subject for me because all we're going to do is go round and round.
                                  You're talking about the credit default swaps, which was essentially a package of mortgages that traded like a commodity. Mortgages that the US Government itself was originating through F&F. Remember, in spite of F&F being under government control, they were still publicly traded companies.

                                  Think of it like buying a stock, or other commodities like gold, silver, oil, etc. You make an investment in those because you believe that they'll go up in value.

                                  The real estate market of the mid 90's on up to the crash had ZERO down side. Interest rates were low and dropping all the time. Property values were appreciating. Mortgage brokers were making money due to the abundance of buyers, and buyers were happy too - one, because they could finally purchase a home, and two, because those home values were skyrocketing.

                                  And who was buying those packages? Hedge funds. Mutual funds. Retirement funds. All of the above... your parents and grandparents retirement was based on them. They were literally the safest thing you could buy.

                                  So what happened? The fed happened. If they had left the interest rates alone, there never would have been a crash - now don't get me wrong here, there were OTHER problems (unrelated to housing) with having interest rates artificially low for so long. But housing itself was solid. I don't need to repeat this all again... when they started raising the rates, it triggered the tipping point, and it all came crashing down.

                                  Well, what happens if you own a stock and it starts tanking?

                                  You sell that shit.

                                  And that's exactly what happened.

                                  I know you would love to blame Wall Street here, but the fact is this is 100% government driven. Government made up the rules. Government set the mandate for the rules. Government made Fannie & Freddie buy the mortgages nobody wanted to originate. Government controlled the interest rates. Government dictated how mortgages had to be packaged and sold. The politicians created a utopia for investors to make money, then turned around a blamed THEM when the house of cards they created fell apart instead of owning up to their role in the matter. And you bought it.

                                  You seem to have this vision of wall street that it's a bunch of fat cats who don't need any of the money they make. It's not. It's you, your parents, your grandparents, your neighbors, your coworkers. Those are the big investors, pooling their money in the form of IRA's, 401(k)'s, buying mutual funds invested in a variety of "low risk" investments.

                                  It doesn't get any more low risk than a government guarantee... low risk, high return, of course everyone got in. Then government decided to change the rules in the middle of the game... and the system collapsed under its own weight. The government created the bubble, then popped it.

                                  Sorry man... this was never a wall street problem. It was never a "greedy bankers" problem. It was a government problem, created by politicians who don't understand economics.

                                  And this WILL happen again. It's already starting. Real estate prices are coming back up thanks to low interest rates and new government programs designed to get more people into houses. And in another 5-10 years, when everyone has forgotten about the real estate crash, we'll be right back where we were in 2008.
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                                  • Originally Posted by ronrule View Post

                                    So what happened? The fed happened. If they had left the interest rates alone, there never would have been a crash - now don't get me wrong here, there were OTHER problems (unrelated to housing) with having interest rates artificially low for so long. But housing itself was solid. I don't need to repeat this all again... when they started raising the rates, it triggered the tipping point, and it all came crashing down.
                                    Come on, Ron, seriously? Anyone who has studied Econ 101 is very much aware that the fed has to raise interest rates every so often to keep inflation in check. Don't you think every fund manager knows this?

                                    TL has explained it in at least 6 ways now, but the fact remains that the Street was responsible for the bulk of this mess - and nothing you've said so far proves otherwise.
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                                    • Profile picture of the author ronrule
                                      Originally Posted by Hopeless Bromantic View Post

                                      Come on, Ron, seriously? Anyone who has studied Econ 101 is very much aware that the fed has to raise interest rates every so often to keep inflation in check. Don't you think every fund manager knows this?
                                      Yep. But none of that changes the fact that government policy created the bubble, then popped it by increasing the interest rates.

                                      Originally Posted by Hopeless Bromantic View Post

                                      TL has explained it in at least 6 ways now, but the fact remains that the Street was responsible for the bulk of this mess - and nothing you've said so far proves otherwise.
                                      You guys keep saying that, but all of the facts prove otherwise. Like I pointed out before, government made up the rules, government set the mandate for the rules, government made Fannie & Freddie buy the mortgages nobody wanted to originate, government controlled the interest rates, and government dictated how mortgages had to be packaged and sold. The house of cards was created by politicians, not bankers.
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                                        • Profile picture of the author ronrule
                                          Originally Posted by Ron Lafuddy View Post

                                          This is the exact type of "blame the symptom" mentality I've come to expect from congress...

                                          Of course Moody's and S&P downgraded the inflated ratings - they were bad deals and the banks and indexes knew it. These were mortgages that private banks never would have originated had the government not mandated they originate them and promised to buy them via F&F.

                                          Notice the spin from congress? They cause the mess, then when the private sector says "Yep, this is a shitty deal and it's going to crash", congress turns around and then blames them, claiming "Well if you hadn't SAID that it wouldn't have crashed!"

                                          Seriously? So according to congress, the fact that it was a bad deal and was about to crash wasn't the problem ... it was that the banks and rating agencies TOLD EVERYONE it was a bad deal. THAT was the real problem!

                                          How are you people buying this crap?
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                                          • Profile picture of the author Ron Lafuddy
                                            Originally Posted by ronrule View Post

                                            This is the exact type of "blame the symptom" mentality I've come to expect from congress...

                                            Of course Moody's and S&P downgraded the inflated ratings - they were bad deals and the banks and indexes knew it. These were mortgages that private banks never would have originated had the government not mandated they originate them and promised to buy them via F&F.

                                            Notice the spin from congress? They cause the mess, then when the private sector says "Yep, this is a shitty deal and it's going to crash", congress turns around and then blames them, claiming "Well if you hadn't SAID that it wouldn't have crashed!"

                                            Seriously? So according to congress, the fact that it was a bad deal and was about to crash wasn't the problem ... it was that the banks and rating agencies TOLD EVERYONE it was a bad deal. THAT was the real problem!

                                            How are you people buying this crap?
                                            Nice try, Ron.

                                            No government agency mandated that the banks set up subprime derivatives
                                            and resell what they knew to be junk, into the investment markets.

                                            This is the "bigger picture" that you don't seem to be getting and it's
                                            well outside the scope of any government home loan mandate.

                                            It's a pure wall street play.

                                            Wall Street Bankers had complete control of the underwriting standards of the product.

                                            They had complete control of the ratings services and had them issue their highest
                                            rating, "AAA", to products that they KNEW to be junk. The firms refused to lower those
                                            same ratings until 2007.

                                            There is enough guilt to go around, but the Wall Street crowd took it to a...ho..notha..levo.
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                                            • Profile picture of the author ronrule
                                              Originally Posted by Ron Lafuddy View Post

                                              Nice try, Ron.

                                              No government agency mandated that the banks set up subprime derivatives
                                              and resell what they knew to be junk, into the investment markets.

                                              This is the "bigger picture" that you don't seem to be getting and it's
                                              well outside the scope of any government home loan mandate.

                                              It's a pure wall street play.

                                              Wall Street Bankers had complete control of the underwriting standards of the product.

                                              They had complete control of the ratings services and had them issue their highest
                                              rating, "AAA", to products that they KNEW to be junk. The firms refused to lower those
                                              same ratings until 2007.

                                              There is enough guilt to go around, but the Wall Street crowd took it to a...ho..notha..levo.
                                              Packaging mortgages this way was nothing new for Wall Street, this wasn't invented during the bubble. The problems started when the number of risky mortgages increased, which were then part of those packages. Those risky mortgages would never have been written were it not for the government mandate that required them to be underwritten in the first place.

                                              As for the ratings, remember most of those "bad" mortgages were still wins. People with bad credit would get a crappy mortgage with a payment they could afford, then in a couple years their credit improved and they would refi out of it. And they were happy with the deal because the house was appreciating and the interest rate after the refi was usually lower. The rating was high because in spite of the borrowers credit scores, the numbers were generally positive because of how quickly people were flipping the loans. When the interest rates rose, that slowed down, and the signs started showing up that the fun was about to end.

                                              The rating changed because of the market circumstances - those "bad" mortgages were low risk and profitable as long as people kept refinancing out of them before the balloon. But once they couldn't do that, the reality of actually carrying these as long term debt had to be faced.

                                              And again... regardless of what kind of trading was taking place, when it started, or how "regulated" it was, the fact remains that both the housing bubble that made it all possible, and the pop that made it all crash, were caused by government. Those bad mortgages never would have been underwritten (therefore they wouldn't have existed in the packages) had the government not mandated them into existence, and those packages never would have caused a market crash had the government not popped the bubble they created through interest rate manipulation. The blame still lies squarely on them.
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                                              • Originally Posted by ronrule View Post

                                                And again... regardless of what kind of trading was taking place, when it started, or how "regulated" it was, the fact remains that both the housing bubble that made it all possible, and the pop that made it all crash, were caused by government. Those bad mortgages never would have been underwritten (therefore they wouldn't have existed in the packages) had the government not mandated them into existence, and those packages never would have caused a market crash had the government not popped the bubble they created through interest rate manipulation. The blame still lies squarely on them.
                                                And again... it's obvious that all you want to do here is mislead.

                                                To be fair, nobody is claiming that the government is blameless in this mess. Clinton's repeal of Glass-Steagall was a linchpin in making the whole thing possible.

                                                That said, Bear Stearns and Lehman Bros. failed because of FRAUD - fraud that was endemic to the entire industry, which has already been laid out in this thread, and which you keep trying to deny. I can't honestly imagine any motive for taking this kind of a position (unless someone's paying you to do it).
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                                                • Profile picture of the author ronrule
                                                  Originally Posted by Hopeless Bromantic View Post

                                                  And again... it's obvious that all you want to do here is mislead.

                                                  To be fair, nobody is claiming that the government is blameless in this mess. Clinton's repeal of Glass-Steagall was a linchpin in making the whole thing possible.

                                                  That said, Bear Stearns and Lehman Bros. failed because of FRAUD - fraud that was endemic to the entire industry, which has already been laid out in this thread, and which you keep trying to deny. I can't honestly imagine any motive for taking this kind of a position (unless someone's paying you to do it).
                                                  You're still missing the core point, I'm not denying there was fraud - heck, there is fraud in every industry no matter how regulated or unregulated it is. But none of it would have had a measurable impact had the government not mandated that banks give loans to people who couldn't afford them.

                                                  No private bank would have allowed 75% of its portfolio to be based on subprime notes, only government does things like that. And when those same originators (F&F) own 40% of the country's mortgages, with 75% of them subprime, it's going to crash no matter what Wall Street does in the background. And that was the real problem - a problem that was created entirely by a government mandate, which the private sector was forced to comply with.
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                                                • Profile picture of the author seasoned
                                                  Originally Posted by Hopeless Bromantic View Post

                                                  And again... it's obvious that all you want to do here is mislead.

                                                  To be fair, nobody is claiming that the government is blameless in this mess. Clinton's repeal of Glass-Steagall was a linchpin in making the whole thing possible.

                                                  That said, Bear Stearns and Lehman Bros. failed because of FRAUD - fraud that was endemic to the entire industry, which has already been laid out in this thread, and which you keep trying to deny. I can't honestly imagine any motive for taking this kind of a position (unless someone's paying you to do it).
                                                  I don't think we have really seen the glass steagall's effect in this yet. Wait until those insurers that have become banks or vice versa(already happened), manage funds or provide loans on securities(already started), and sell them(already happened), become subject to a run or collapse(already being talked about).

                                                  There were only a couple things preventing a 1929 style collapse, and GS was a key part. Heck, after 1987 they instigated ANOTHER protection, and still had the uptick rule. In 2007, they got RID of the uptick rule. They reintroduced a MODIFIED version in 2010. The daily movement limits have been removed though.

                                                  For those who don't know about the uptick rule, it forbid selling short in a market that seemed to have no hope of going up. So it was like car insurers that require you to fix a car before getting insurance to protect it from being damaged. In a casino, if you bet on a number, you can NOT place a bet on that spin after it has started.

                                                  NOBODY is denying fraud happens. I wish it didn't. It is simply that SOME rules, like GS, daily limits, and the uptick rule LIMIT fraud and OTHERS like the "high frequency trading","congress security exceptions","The FED", etc.... ASSIST and ENCOURAGE fraud!

                                                  The average citizen has a TON of investing rules imposed SIMPLY because of the 1929 garbage. Most are OK with it. Most, like me, that know the HISTORY of it, APPRECIATE IT! WHY should congress or huge businesses be exempt?

                                                  Steve
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                                        • Profile picture of the author MikeAmbrosio
                                          Originally Posted by Ron Lafuddy View Post


                                          So the Feds say it wasn't their fault. Ok, I believe that. :rolleyes:
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                                    • Profile picture of the author TLTheLiberator
                                      Originally Posted by Hopeless Bromantic View Post

                                      Come on, Ron, seriously? Anyone who has studied Econ 101 is very much aware that the fed has to raise interest rates every so often to keep inflation in check. Don't you think every fund manager knows this?

                                      TL has explained it in at least 6 ways now, but the fact remains that the Street was responsible for the bulk of this mess - and nothing you've said so far proves otherwise.

                                      He's all yours Bro.
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                                  • Profile picture of the author MikeTucker
                                    Originally Posted by ronrule View Post

                                    It was a government problem, created by politicians who don't understand economics. .
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                            • Profile picture of the author SteveJohnson
                              Originally Posted by TLTheLiberator View Post

                              I have not excused the feds (with the mortgage stuff) role in the whole thing and I am saying that it is a piece of the puzzle.

                              But you and others in here...

                              ...seem to be hell-bent...

                              ...on pretending that WS (with all their shenanigans), had nothing to do with the worst financial crisis since the crash of 1929.

                              ...

                              You and others claiming/acting that WS had nothing to do with it,...

                              ...

                              To the folks claiming that WS had no significant input in causing the crisis, I'm going to have to say that you are entitled.
                              You're arguing for your position on this, I understand that. I don't recall seeing a post from anyone that claimed WS had nothing to do with the crash, crisis, whatever you want to call it.

                              I think several people pointed out that it wasn't the fault of any one entity or agency, but the consequence of a 'perfect storm' of the inability of government to effectively regulate and the desire of profit in the marketplace.

                              I'm not an economist, but I think the derivative products and the securitizing of subprime mortgages were born of both desire for additional profit and a desire to spread the sub-prime risk around a larger part of the marketplace.

                              Someone should have seen it coming probably, but that is hindsight talking.
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                              • Profile picture of the author TLTheLiberator
                                Originally Posted by SteveJohnson View Post

                                You're arguing for your position on this, I understand that. I don't recall seeing a post from anyone that claimed WS had nothing to do with the crash, crisis, whatever you want to call it.

                                I think several people pointed out that it wasn't the fault of any one entity or agency, but the consequence of a 'perfect storm' of the inability of government to effectively regulate and the desire of profit in the marketplace.

                                I'm not an economist, but I think the derivative products and the securitizing of subprime mortgages were born of both desire for additional profit and a desire to spread the sub-prime risk around a larger part of the marketplace.

                                Someone should have seen it coming probably, but that is hindsight talking.

                                I think Ron is arguing that WS actions were not important and Ron can correct me if I'm wrong about that.
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                  • Profile picture of the author TimPhelan
                    Originally Posted by ronrule View Post

                    Wait a sec ... Under Clinton and Barney Frank, the government basically said "We want more minorities to own houses" and mandated that banks grant those loans to less than credit worthy people, with the promise that Fannie & Freddy would buy the notes.
                    Lol. You want to blame the minorities for the subprime mortgage crisis. Lets look at just a couple facts and see why this is wrong: Homeownership went up about 4% to 5%, yet between 2004–2006 the share of subprime mortgages relative to total originations ranged from 18%–21%. Seems like a hell of a lot of white folks, and middle class, were involved in this also.

                    Plus, the crisis wasn't triggered when Greenspand raised interest rates. 90% of the subprime mortgages in 2006 were adjustable rate martgages. One of the triggers to the crisis was when the new rate became due many couldn't afford it and/or couldn't refinance a new mortgage because the housing market had already started downward. In 2010 23% of all US home were worth less than their mortgages.

                    Regarding the CRA, from Wiki:

                    In its "Conclusions" submitted January 2011, the Financial Crisis Inquiry Commission reported that

                    "the CRA was not a significant factor in subprime lending or the crisis. Many subprime lenders were not subject to the CRA. Research indicates only 6% of high-cost loans – a proxy for subprime loans – had any connection to the law. Loans made by CRA-regulated lenders in the neighborhoods in which they were required to lend were half as likely to default as similar loans made in the same neighborhoods by independent mortgage originators not subject to the law."[72]
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                    • Profile picture of the author seasoned
                      Originally Posted by TimPhelan View Post

                      Lol. You want to blame the minorities for the subprime mortgage crisis.
                      NOPE! The OTHER group offered that as a reason to offer loans to those that long standing standards said should NOT have loans.

                      Lets look at just a couple facts and see why this is wrong: Homeownership went up about 4% to 5%, yet between 2004-2006 the share of subprime mortgages relative to total originations ranged from 18%-21%. Seems like a hell of a lot of white folks, and middle class, were involved in this also.
                      Gee, I wonder why you say 2004-2006. It WAS a larger span. Still, sub primes are only part of it. They are the part that was INTENTIONAL from the TOP!

                      Plus, the crisis wasn't triggered when Greenspand raised interest rates. 90% of the subprime mortgages in 2006 were adjustable rate martgages.
                      HUH? You said "Plus, the crisis wasn't triggered when Greenspand raised interest rates.", which says the sub prime mortgages were FIXED! THEN, you said "90% of the subprime mortgages in 2006 were adjustable rate martgages.", which says FEW were fixed! OK, WHICH IS IT?

                      One of the triggers to the crisis was when the new rate became due many couldn't afford it and/or couldn't refinance a new mortgage because the housing market had already started downward.
                      Refinancing would not be a thing they could do, and wouldn't help! FORGET THAT!
                      "One of the triggers to the crisis was when the new rate became due many couldn't afford it" EXACTLY!!!!! They took a loan they KNEW they couldn't afford and a raising of interest rates made that happen THEN.

                      Regarding the CRA, you quoted:

                      "the CRA was not a significant factor in subprime lending or the crisis. Many subprime lenders were not subject to the CRA. Research indicates only 6% of high-cost loans - a proxy for subprime loans - had any connection to the law
                      That is false logic. Some LIED and the originators assisted. ALSO, there was the 125% loan, and interest only. They were lower cost, but offered to sub-prime also. The SAME thing happened in the 1970s. Still, WHO dictates what high cost is? When I first bought my home, I bought it at prime which was like TWICE what I am paying now.

                      Steve
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                    • Profile picture of the author ronrule
                      Originally Posted by TimPhelan View Post

                      Lol. You want to blame the minorities for the subprime mortgage crisis. Lets look at just a couple facts and see why this is wrong: Homeownership went up about 4% to 5%, yet between 2004–2006 the share of subprime mortgages relative to total originations ranged from 18%–21%. Seems like a hell of a lot of white folks, and middle class, were involved in this also.
                      Don't get me wrong, I'm not blaming minorities - that's the political side of it. A big part of the initial reason for the mandate was to make more minorities home owners, but the legislation wasn't drafted that way, it was drafted toward low income. So yeah, there were still way more whites buying.

                      Plus, the crisis wasn't triggered when Greenspand raised interest rates. 90% of the subprime mortgages in 2006 were adjustable rate martgages. One of the triggers to the crisis was when the new rate became due many couldn't afford it and/or couldn't refinance a new mortgage because the housing market had already started downward. In 2010 23% of all US home were worth less than their mortgages.
                      Yes, but keep in mind that because the rates had been dropping for years those same buyers were just refinancing before the balloon period ended. They would take a mortgage with a ridiculous balloon payment, and by the time they got close to having to start paying toward the principle their house would have appreciated and the interest rate was lower. They would refinance out of it, pull out some cash, and now their house was remortgaged at the current (higher) property value.

                      This worked for over a decade, and that was part of the appeal. Young people who never would have bought any house at their age/income 20 years ago were buying properties they could never have afforded outside of the interest-only period. You had guys making $50k a year buying $600,000 houses and paying an equivalent monthly payment of a $200k mortgage, then selling it in 3 years for $720,000.

                      Which brings up another good point... individual greed and/or not having the judgment not to buy more house than you can afford had a lot to do with it too. But even with that, none of it would have been possible had the government not mandated mortgage originators make deals like that in the first place. No matter how you look at it, it still comes down to government. Without a government mandate, backed by the promise that Fannie & Freddie will buy the note, the banks never would have made those kinds of loans to people unqualified to pay them back.
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                      • Profile picture of the author TimPhelan
                        Originally Posted by ronrule View Post

                        Which brings up another good point... individual greed and/or not having the judgment not to buy more house than you can afford had a lot to do with it too.
                        I agree 100%. But there was wall street greed also. Big time.

                        But even with that, none of it would have been possible had the government not mandated mortgage originators make deals like that in the first place. No matter how you look at it, it still comes down to government. Without a government mandate, backed by the promise that Fannie & Freddie will buy the note, the banks never would have made those kinds of loans to people unqualified to pay them back.
                        See my previous post.
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                        • Profile picture of the author MikeAmbrosio
                          Originally Posted by TimPhelan View Post

                          I agree 100%. But there was wall street greed also. Big time.



                          See my previous post.
                          So, then you're saying that the government has zero responsibility?
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                          • Profile picture of the author TimPhelan
                            Originally Posted by MikeAmbrosio View Post

                            So, then you're saying that the government has zero responsibility?
                            I posted earlier "The government surely played a role in the crisis..."
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                            • Profile picture of the author MikeAmbrosio
                              Originally Posted by TimPhelan View Post

                              I posted earlier "The government surely played a role in the crisis..."
                              lol, yeah I was just emulating your line there... "So you're saying..."
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                • Profile picture of the author Kay King
                  A couple million bad mortgages going bad would only shaken out the housing market and caused a mild recession - if that.
                  Except - more than four million homes were lost to foreclosure from 2008 to 2012. With an average of 2.55 persons per household - that's 10.2 million people DISPLACED. Probably far more than that as the majority of the homes were families of more than 2.55. It could easily be 16 million people...

                  Laying blame on any one party is foolish partisan bickering. Both parties played a big role in this and need to own it. The recession did not happen overnight or in a vacuum. It was in the making for years and only two years after it began did D.C. admit there was a recession!

                  It's interesting to dig out articles written before events unfolded analyzing the problem.

                  From a right leaning site - a good article in 2008 analyzed past and potential future recessions. It's interesting about halfway down the page where it compares the 2008 problem with previous recessions. At the time it was written - the govt said we were NOT in a recession and the focus was on "sub-prime".

                  The Deterioration Accelerates. The destructive decline now unfolding in the Housing and credit markets .... the origins of this downturn are remarkably different from those of the preceding downturns..

                  With the overall economy seemingly blameless ... all evidence suggests that something went terribly wrong in the mortgage market .... ...efforts to prevent the existing problems from spreading further and causing a recession..
                  The Subprime Mortgage Market Collapse: A Primer on the Causes and Possible Solutions

                  From a left leaning site in 2012 - a story that applied to so many people. The proliferation of the sub-prime mortgage as a "refinance option"...

                  The Great American Foreclosure Story: The Struggle for Justice and a Place to Call Home - ProPublica
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    • Profile picture of the author TimPhelan
      Originally Posted by SteveJohnson View Post

      a single-payer system trades freedom for security.
      Well, those countries listed higher than the US for economic freedom by the very conservative Heritage foundation all have universal health care coverage and most of those are single payer systems, so your statement isn't really accutate.

      How are you giving up freedom in a single payer system? By being taxed? Nobody likes being taxed but it's just a reality you have to deal with. Or is it freedom of choice of health care? Well, as has been mentioned here, you can have a single payer system and also have a private system. Hong Kong does that and they are listed #1 for economic freedom. So does England. So do many others. So could we. So what freedom are you referring to?
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      • Profile picture of the author MikeAmbrosio
        Originally Posted by TimPhelan View Post

        Well, those countries listed higher than the US for economic freedom by the very conservative Heritage foundation all have universal health care coverage and most of those are single payer systems, so your statement isn't really accutate.

        How are you giving up freedom in a single payer system? By being taxed? Nobody likes being taxed but it's just a reality you have to deal with. Or is it freedom of choice of health care? Well, as has been mentioned here, you can have a single payer system and also have a private system. Hong Kong does that and they are listed #1 for economic freedom. So does England. So do many others. So could we. So what freedom are you referring to?
        I think a driving point against single payer (and even ACA) is the lack of confidence in our own government to run it efficiently. Depending on the numbers and polls you choose to believe, they don't have a stellar track record in handling large social programs (or money in general).

        The debate is less about whether or not it COULD work but whether or not it WOULD work. And I am not pointing to any party or administration.

        Using the same polling service others have used, this is representative of trust in our government from 1992 through 2010:



        And here's another:



        I get that if we dig around we can find polls to support pretty much any position, but I think these are probably more right than wrong. I know my own trust level has dipped since GB's second term.

        Also, look at this second poll. For years, it seems both parties would trend in the same general direction (but apart) up until GB 2. The party lines have divided sharply (according to THIS poll, anyway) which tells me that issues these days are more likely to be party driven - not so much solution driven.

        I am generalizing, of course, but I see what I see.

        At any rate, I think this debate is about more than single payer. I see it in the responses in this thread as well.

        I will say though that I have actually learned quite a bit about health care systems.
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  • Profile picture of the author seasoned
    Yeah, deep in their hearts, people know that money is WORTHLESS except for goods and services made by others. When money ceases to be usable or desireable by those that have the talent and resources, it will be worthless to all. Think about it!

    It is ESPECIALLY odd that some in the Los angeles area don't know this. Some of the really poor complain sometimes that they can't buy food, etc... WHY? Because some of them steal, extort, and even set fire to stores, and some of those stores may NEVER come back. No stores means no products sold IN those stores. This is a bad example, but the fact that they speak about it being so dire with even BIG CHAINS should cause one to think:

    REBUILDING WATCH : Honor Role - Los Angeles Times

    And what sense does it make to just destroy such a store anyway? If you can't afford the food, it only makes it that much harder to get. But even the richest of people couldn't then buy food in the area.

    And what of your TV? CAR? Computer? Who would make and deliver those? And some may come up with the great idea to take the bus or subway. WHO would drive it and schedule it? WHO would handle problems? WHO would provide the fuel?

    So clearly Money is ONLY good to business A because their vendor B will accept it. HEY among my "vendor B"s I have the US government(wants dollars), banks(want dollars), and grocery stores(want dollars). Luckily, my employer pays in dollars. If they paid only in ZIMBABWE currency, do you think I would still work for them? NOPE! If they paid dollars, and the others only accepted currency that was hard or expensive to convert to, do you think I would still work for them? NOPE!

    So YEAH, go ahead! Make EVERYONE earn the SAME amount of money. Limit any instance of profit. You will shoot yourself in the foot. Even the US government and media acknowledged that, though they DON'T want to admit it!

    HOW did they acknowledge it? They said they needed a lot of healthy young people to join, and needed a certain percentage for ACA to work. Listen closer, and they tell you why. WHY? Because they are unlikely to use the insurance and create a PROFIT!!!!!!! It is THAT profit that is used to cover the LOSS from the sicker people, who tend to be older.

    It isn't magic, it is simply playing the odds. THAT is why they didn't take people that were sick and had no previous insurance. THAT is why they charged the older and less healthy more. THAT is why rates slide.

    Steve
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  • Profile picture of the author seasoned
    And HEY! HEER is a nice video to show how well school kids are taken care of. LUCKILY, it got the message through in SOME parts. Others still complaining:

    https://www.youtube.com/watch?v=2IB7NDUSBOo

    Steve
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    • Profile picture of the author Kay King
      I was just watching a clip about how the obesity numbers for children have been "managed". Most of the time I see this political stuff and I may push a few people's buttons but I don't take it all that seriously.

      This was different.

      The CDC (we're supposed to be able to trust their numbers) issued a report a while back showing that from 2003...childhood obesity was DOWN. It was declared a "win" for the school lunch requirements and the "move it" campaign.

      But it seems the CDC chose a year to start the study (2003) when there had been an unexplained bump in the numbers. By starting with the numbers that were higher than any recorded previously the CDC was able to show a "decline".

      When a university study was done that started with the first year child obesity numbers were traceds (1999) - it was found that obesity in children has not declined. The percentage of obese children has remained the same - and the number of morbidly obese children has increased during that time.

      It we use numbers to support our programs - instead of using the number that accurately tracks progress of those programs...what is the point? These are our children - and should take priority over political posturing.

      No real progress on child obesity, latest report says

      In the rush to "solve" childhood obesity, we are reducing school calories that keep our kids of healthy weight hungry throughout the day. Is that progress?

      If you want to slow the rate of childhood obesity....you START with adult obesity and create family programs and motivators. Children learn eating habits at home.
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  • Profile picture of the author TLTheLiberator
    Bryan Cranston from Breaking Bad Loves The ACA!

    Funny that if he lived in a country that had single payer or even the ACA he wouldn't have had to do what he did.

    https://screen.yahoo.com/bryan-crans...082410781.html
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    • Profile picture of the author seasoned
      Originally Posted by TLTheLiberator View Post

      Bryan Cranston from Breaking Bad Loves The ACA!

      Funny that if he lived in a country that had single payer or even the ACA he wouldn't have had to do what he did.

      https://screen.yahoo.com/bryan-crans...082410781.html
      Taken in context, it is meaningless garbage! And has HE even gone on it.

      Steve
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    • Profile picture of the author SteveJohnson
      Originally Posted by TLTheLiberator View Post

      Bryan Cranston from Breaking Bad Loves The ACA!

      Funny that if he lived in a country that had single payer or even the ACA he wouldn't have had to do what he did.
      Contrast a rich Hollywood Obama-lover with normal, everyday Americans:
      http://www.bizpacreview.com/2014/01/...ncreases-97584

      News footage captures despair on the faces of employees of a small business — the heartbeat of America’s economy – when they learn how the Affordable Care Act will impact their group health insurance plan.

      ABC affiliate WTAE-TV was there when a company insurance agent handed the owner and employees of Simonetta’s Collision Repair Center their new benefits sheets and premium costs.

      “They call it the ‘Affordable Health Plan.’ There’s nothing affordable about it. I can’t afford it,” one Simonetta worker, identified only as Jeff, says on the video.

      Premium increases are only part of the story. Deductibles rose from $1,250 to $2,000 — $4,000 for employees with children. Co-pays to primary caregivers doubled from $20 to $40 per visit.

      The company’s owner, Gary Simonetta, was hardest hit — his premium increased by more than $500 per month.
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      • Profile picture of the author TLTheLiberator
        Originally Posted by SteveJohnson View Post

        Contrast a rich Hollywood Obama-lover with normal, everyday Americans:
        Watch employees react as they learn of Obamacare premium increases - BizPac Review
        Probably an anomaly or the insurance company that was not named jacked up rates and then blamed it on the ACA.

        Perhaps a local reporter will investigate.

        Is the company not helping them with their premiums?

        Sounds like they could do a whole lot better on the individual market.

        It's the last thing you anti-ACA folks have to hold on to - that the business market premiums will explode.

        We will see in 2015.
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        • Profile picture of the author SteveJohnson
          Originally Posted by TLTheLiberator View Post

          Probably an anomaly or the insurance company that was not named jacked up rates and then blamed it on the ACA.

          Perhaps a local reporter will investigate.

          Is the company not helping them with their premiums?

          Sounds like they could do a whole lot better on the individual market.

          It's the last thing you anti-ACA folks have to hold on to - that the business market premiums will explode.

          We will see in 2015.
          Way past the 'local reporter' stage, not an anomaly, and we don't need to wait until 2015.

          Health Plan Premiums Are Skyrocketing According To New Survey Of 148 Insurance Brokers, With Delaware Up 100%, California 53%, Florida 37%, Pennsylvania 28% - Forbes

          US sees sharpest health insurance premium increases | The Daily Caller

          The Next Shoe To Drop: Obamacare Will Increase The Cost Of Employer-Sponsored Insurance - Forbes

          And from a report from the congressional Energy and Commerce Committee (http://energycommerce.house.gov/rate-shock):


          The Individual Market

          The materials provided to the committee indicate that consumers who purchase insurance in the individual market after full implementation of the PPACA will be hit with substantial premium increases. One insurer noted that 45 states and the District of Columbia “will see significant premium increases.

          The Small Group Market

          According to materials submitted by one insurer, small businesses in “nearly all states will see premium increases.” While these increases will not likely be as high as those in the individual market, the incentives provided in the law to assist small businesses by reducing costs may be inadequate. For example, one insurer that offers small group plans observed that “[t]he ACA’s small group health tax credit incentive program is temporary and very small.” To make matters worse, due to the administration’s inability to “meet tight deadlines,” the PPACA program “intended to provide affordable health insurance to small businesses and their employees” has been delayed.
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  • Profile picture of the author seasoned
    There was a story, I believe in THIS thread, that spoke of a person that FINALLY got "insurance" under ACA! She went in for a relatively minor thing, and ended up LEAVING after she found out their WERE costs, and she couldn't afford them.

    HECK, many here sell things this way I KNOW you have seen hundreds of ads. Some have COMPLAINED about them. Even when LEGIT, you CAN'T honestly review a product UNTIL YOU HAVE USED IT! In a way Insurance is ONLY A WORTHLESS PRODUCT until USED! If it is decent, it then becomes a worthwhile service.

    That woman NEVER got to see the service, because the initial cost was too much. She can THEN say it was horrible as it cost so much to get the service, even though she earlier would have said they worthless product was fantastic as it seems so cheap.

    Has anyone seen the weightloss drug that says take a tablet a day and get thin and fit? How about the stock services that say 90% success and profits over 100%? How about the products that say pay us and get THOUSANDS of customers, etc? Get your site listed on the first page of google for all searches? How many worked out for you?

    Steve
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  • Profile picture of the author TLTheLiberator
    Steve J. said this....

    "Allowing businesses to thrive without the clamped fist of government surrounding them is unthinkable." (I guess you mean people like myself)

    "They would also have you believe that over-regulation has no effect on the private sector in terms of investment, business startups, and job creation even though it has been shown to be otherwise."

    I say...

    You saying it does not make it true.

    Over regulation is not a major impediment to business formation or growth and a couple of horror stories here and there still don't make it so.

    It's nice claptrap for those folks inclined, but just saying it does not make it true.

    I'd love to see a survey or two of a bunch of non-right wing brick and mortar small business people that overwhelming agree with you - that gov regulations are really hurting their business prospects etc.

    You can save the crap from large corporations and the Chamber because you and I both know they'll say anything so that they can do or get anything.

    BTW...

    Kay's links do nothing to help your assertion.

    - Just talking about the number of gov regs does not prove they are actually hampering business formation or expansion.


    The number one problem facing small business today is lack of demand as a consequence of the great recession - not regulations from any level of govt.

    The "Gov. Reg. Hampering Business" meme...

    ... is a another conservative canard that stops people from gaining a fundamental understanding of the American economy as it stands today...

    ... and its part of a package of untrue conservative memes that won't produce any solutions that will improve the lives of the average American or the American economy - but it will certainly further enrich people like the Koch Brothers and wall street.

    Its an silly excuse for folks like yourself to blame the feds instead of the economic climate combined with a congress that does not want to do anything to improve the American economy ...

    ...since they don't actually believe the government should do anything at all - about anything at all - ...

    ...because philosophically, they believe the free market will always set things right.

    The economy is not as strong as it should be - that is the primary problem for most small businesses.
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  • Profile picture of the author seasoned
    Increasing costs per employee by thousands DOES greatly affect businesses. And doubling or tripling deductibles on a business owner, AND increasing the paymets after that, ALSO have a big effect! Some people lost their coverage ENTIRELY! The treatments had to be at hospitals the ACA didn't cover. And then there are lawsuits, YIKES! As for the names of the parties, check them out on wikipedia, or just see what they did. It makes more sense than TLs claim that the parties switched to one anothers names.

    Steve
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    • Profile picture of the author seasoned
      WOW, is "Robin Sparkles." really a "superstar"? Apparently she is a character played by Robin Scherbatsky! I saw her and INSTANTLY thought tiffany copy!

      https://www.youtube.com/watch?v=w6Q3mHyzn78

      I like tiffany better.

      Regarding the first link, look at #2.

      As for the LAST point? They don't know how US politics "works". Someone came up with a strategy in 1966 that takes into account the problems with politics, and how politics is done in the US. I said this kind of thing was being done here INTENTIONALLY YEARS ago. I said it HERE! I said it when the ACA passed. And WHAT are some more specifics of the 1966 scheme? It was for the US and to have single payer healthcare. It requires the kind of effort I said was being done!

      Cloward

      The Cloward-Piven strategy is a political strategy outlined in 1966 by American sociologists and political activists Richard Cloward and Frances Fox Piven that called for overloading the U.S. public welfare system in order to precipitate a crisis that would lead to a replacement of the welfare system with a national system of "a guaranteed annual income and thus an end to poverty".
      Leave it to the "educational system" to give us more garbage!

      Like I said, the ACA has a poison pill set to go off in such an event. So it HAS been passed. Too bad over 700billion was stolen from IT, and it is being cut back even now, to pass the ACA.

      Steve
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  • Profile picture of the author MikeAmbrosio
    The CBO says the ACA won't cost jobs.
    Really? Then which CBO is this?

    http://www.cbo.gov/sites/default/fil...-AppendixC.pdf
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  • Profile picture of the author seasoned
    OK, if you want to understand how the american banking system works, here is a nice entertaining film that is somewat complete:

    https://www.youtube.com/watch?v=mII9NZ8MMVM

    I believe this is non partisan, though it indicts the IRS. It ALSO indicts the bankers. A few points are missed.....

    1. When the fed loans the money, IT charges interest. That interest is called "THE FED FUNDS RATE".
    2. When the bank loans money, it takes some sort of note for the cash, and it borrows money by issuing a SPECIAL IOU to the government. That is through what is known as a BOND. The bonds may be sold to the public to get actual money, backed by the asset, but carry some risk because bonds are relatively small. A BOND is often a normal one with COUPONS. These work like a reverse mortgage in that the owner turns in a coupon periodically to get the interest payments and, when the bond MATURES, they turn in the BOND to get the PRINCIPLE that they paid for the bond. With ZERO COUPON BONDS, like most US savings bonds, you turn in the bond at maturity for the matured value that INCLUDES INTEREST.
    3. A number of vehicles have been created that take portions of bonds, known as TRANCHES, and combine them to come up with a pool of $1,000,000 give or take $250,000(YES, REALLY! The government allows them to vary 1/4 million in either direction whether it is "GOOD DELIVERY" or not). They go into vehicles, like CMOs(AKA DERIVATIVES, since they are DERIVED from OTHER vehicles, like BONDs). This spreads the risk, but high interest vehicles often have higher risk anyway. Collateralized Mortgage Obligation (CMO) Definition | Investopedia

    Steve
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  • Profile picture of the author NewParadigm
    And we have 7 TRILLION more in debt, now over 17 TRILLION, will probably be a complete double by the end of this administration.
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    • Profile picture of the author TLTheLiberator
      Originally Posted by NewParadigm View Post

      And we have 7 TRILLION more in debt, now over 17 TRILLION, will probably be a complete double by the end of this administration.
      I'd check the numbers on the yearly deficit again.

      If you're talking about that 17 trill doubling, at 500 odd billion federal yearly deficit (end of 2014 yearly deficit number) per year, it will take 34 years to double.

      I guess you also think #44 will somehow seize power and become POTUS for life also so that your end of his admin fantasy can become true.
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      • Profile picture of the author seasoned
        Originally Posted by TLTheLiberator View Post

        I'd check the numbers on the yearly deficit again.

        If you're talking about that 17 trill doubling, at 500 odd billion federal yearly deficit (end of 2014 yearly deficit numbers) per year, it will take 34 years to double.

        I guess you also think #44 will seize power and become POTUS for life also so that your end of his admin prediction can become true.
        Let's see. 17+500/year
        At 6%, it would be 1.02/year Let's assume that is LEVEL! OK, your 34 is now reduced to LESS than 17! But THAT assumes it is SIMPLE interest, and it WON'T be!

        It ALSO assumes that everyone makes an infinite amount, and expenses won't go up. Income is DROPPING, which is why we have all the unemployment and requests to raise the minimum wage!!!!!! Expenses ALWAYS go up, which is why we keep having the debt ceiling raised!

        Can you SEE how all the PUBLISHED FACTS and COMPLAINTS contradict your claim of a level and stable deficit? HECK, the existence of this THREAD disputes your assertion.

        And to all of this, people forget that the baby boomers are STILL RETIRING! That means Social security will effectively break, or the deficit will go up MORE!

        Steve
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  • Profile picture of the author NewParadigm
    I was talking about obama DOUBLING the total debt during his terms. He's gone from 10 to 17 trillion already.

    Kathleen Sebelius just got canned! (well she "resigned") Why? if obamacare was so good why did she get canned? Maybe she resigned to run for president on the popularity of Obamacare. haha.
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    • Profile picture of the author SteveJohnson
      Originally Posted by NewParadigm View Post

      I was talking about obama DOUBLING the total debt during his terms. He's gone from 10 to 17 trillion already.

      Kathleen Sebelius just got canned! (well she "resigned") Why? if obamacare was so good why did she get canned? Maybe she resigned to run for president on the popularity of Obamacare. haha.
      To be fair, the President doesn't control spending, the Congress does. The President can, however, veto the budget (if there actually were one) or spend less than the amount of appropriations - if he wanted to
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      • Profile picture of the author TLTheLiberator
        Originally Posted by SteveJohnson View Post

        To be fair, the President doesn't control spending, the Congress does. The President can, however, veto the budget (if there actually were one) or spend less than the amount of appropriations - if he wanted to

        Lots of people are getting actual spending and actual growth of the yearly deficit mixed up.

        Outside of the very necessary 800 billion stimulus this admin has been virtually handcuffed by the house since 2010.

        To be sure the growth of the national debt has ballooned under #44, but not actual spending by this admin.

        Thanks to the great recession, tax receipts to the feds were/are a lot lower than they were in the past and needs for public safety net programs ballooned at the same time.

        So this admin...

        Walks into a 1.4 trillion yearly deficit and has 3 more trillion dollar yearly deficits in subsequent years.

        There's a story and chart at this link examining the presidents actual spending since Eisenhower.

        Viral Facebook post says Barack Obama has lowest spending record of any recent president | PolitiFact

        http://money.cnn.com/2014/01/27/news...pending-obama/
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        • Profile picture of the author seasoned
          Originally Posted by TLTheLiberator View Post

          Lots of people are getting actual spending and actual growth of the yearly deficit mixed up.

          Outside of the very necessary 800 billion stimulus this admin has been virtually handcuffed by the house since 2010.
          Maybe one reason for the supposed reduced increase. Still, there is time value of money. A dollar spent 10 years ago cosst MUCH more than one spent 5 years ago that costs much more than one spent today. ANOTHER problem with debt!

          To be sure the growth of the national debt has ballooned under #44, but not actual spending by this admin.
          So where is my money!?!?!?!? I mean if the rate ballooned, and it wasn't due to spending, that means they reduced taxes. OK, where's the proof?

          Thanks to the great recession, tax receipts to the feds were/are a lot lower than they were in the past and needs for public safety net programs ballooned at the same time.
          GEE, I wonder why? Could it be all the people laid off from all the regs? They WERE due to spending.

          Walks into a 1.4 trillion yearly deficit and has 3 more trillion dollar yearly deficits in subsequent years.
          Interesting point. I said earlier that this president had control up to 2010. WHY not 2012? Because the LAST one LOST a lot of control in 2007!

          There's a story and chart at this link examining the presidents actual spending since Eisenhower.

          Viral Facebook post says Barack Obama has lowest spending record of any recent president | PolitiFact
          Me know THAT is a fairytale, because for the first few years, his deficit, BY YOUR OWN ADMISSION, was about 5%. That is WITH prepaying for obamacare, so that massive liability showed up as an asset. The NEXT president will be WORSE off left with the debt AND OBLIGATIONS of BO.

          It shows a massive increase until 2010, and then goes down.

          ALSO, there comes a point where one ******PENNY****** spent(whether 99% or .00001%) will mean total destruction! Some have said that that is about 70% of REAL GDP. There was that list earlier. Was that REAL GDP? Probably not. It was probably more favorable than it should have been. I believe it said we were OVER 100%. That is bad in ANYONE'S book.

          BTW I just heard on the news that the government has openly started to, even by THEIR laws, STEAL MONEY! If you are expecting money from the IRS, and your grandparents "owed", YOU will "pay"!

          Social Security, Treasury target taxpayers for their parents&rsquo; decades-old debts - The Washington Post

          Steve
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          • Profile picture of the author TLTheLiberator
            Originally Posted by seasoned View Post

            Maybe one reason for the supposed reduced increase. Still, there is time value of money. A dollar spent 10 years ago cosst MUCH more than one spent 5 years ago that costs much more than one spent today. ANOTHER problem with debt!



            So where is my money!?!?!?!? I mean if the rate ballooned, and it wasn't due to spending, that means they reduced taxes. OK, where's the proof?



            GEE, I wonder why? Could it be all the people laid off from all the regs? They WERE due to spending.



            Interesting point. I said earlier that this president had control up to 2010. WHY not 2012? Because the LAST one LOST a lot of control in 2007!



            Me know THAT is a fairytale, because for the first few years, his deficit, BY YOUR OWN ADMISSION, was about 5%. That is WITH prepaying for obamacare, so that massive liability showed up as an asset. The NEXT president will be WORSE off left with the debt AND OBLIGATIONS of BO.



            It shows a massive increase until 2010, and then goes down.

            ALSO, there comes a point where one ******PENNY****** spent(whether 99% or .00001%) will mean total destruction! Some have said that that is about 70% of REAL GDP. There was that list earlier. Was that REAL GDP? Probably not. It was probably more favorable than it should have been. I believe it said we were OVER 100%. That is bad in ANYONE'S book.

            BTW I just heard on the news that the government has openly started to, even by THEIR laws, STEAL MONEY! If you are expecting money from the IRS, and your grandparents "owed", YOU will "pay"!

            Social Security, Treasury target taxpayers for their parents&rsquo; decades-old debts - The Washington Post

            Steve

            The next POTUS will be walking into a approx. 19 trillion total national debt but he or she won't be walking into a 1.4 trillion yearly deficit - that's for sure.

            As for the rest of your post - you are entitled.
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            • Profile picture of the author seasoned
              Originally Posted by TLTheLiberator View Post

              The next POTUS will be walking into a approx. 19 trillion total national debt but he or she won't be walking into a 1.4 trillion yearly deficit - that's for sure.
              They will too. It may even be WORSE. And DEFICITS are deficits! That is ANOTHER thing! If you say YEARLY deficit, it implies you are talking about a BUDGET deficit! A DEFICIT here means that you don't have enough money OVER ALL! A BUDGET deficit means that you have less (here PROJECTED) COMING IN than you have setup to SPEND.

              You can do all sorts of things to change the BUDGET deficit that won't reduce the deficit AT ALL!!!

              As for the rest of your post - you are entitled.
              TLs catch phrase again

              Steve
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              • Profile picture of the author TLTheLiberator
                Originally Posted by seasoned View Post

                They will too. It may even be WORSE. And DEFICITS are deficits! That is ANOTHER thing! If you say YEARLY deficit, it implies you are talking about a BUDGET deficit! A DEFICIT here means that you don't have enough money OVER ALL! A BUDGET deficit means that you have less (here PROJECTED) COMING IN than you have setup to SPEND.

                You can do all sorts of things to change the BUDGET deficit that won't reduce the deficit AT ALL!!!



                TLs catch phrase again

                Steve
                And you'll probably get it more than anyone else in here.

                Sir, you are entitled - which means one and/or a combo of the following.

                A: I'm not going back and forth with you. (maybe we've already done that and I don't have further time or inclination)

                B: Your response is such nonsense IMHO, and/or all over the place with non sequiturs its not worth my time to respond.

                C: You are entitled to your opinion and we have a difference of opinion - great.

                In this situation, B fits the bill as with most of your posts.
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                • Profile picture of the author seasoned
                  Originally Posted by TLTheLiberator View Post

                  And you'll probably get it more than anyone else in here.

                  Sir, you are entitled - which means one and/or a combo of the following.

                  A: I'm not going back and forth with you. (maybe we've already done that and I don't have further time or inclination)

                  B: Your response is such nonsense IMHO, and/or all over the place with non sequiturs its not worth my time to respond.

                  C: You are entitled to your opinion and we have a difference of opinion - great.

                  In this situation, B fits the bill as with most of your posts.
                  AGAIN with the ABCs!

                  Steve
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                  • Profile picture of the author DJL
                    I have learned a few things from this seemingly endless thread:
                    • I do not care much about the ACA, as it does not affect me personally, but it seems to me to be a very bad law.
                    • There is a shocking degree of mendacity and stupidity displayed by some WF members.
                    • I have added a substantial number of nitwits and liars to my ignore list.
                    • I would much sooner buy a used car from Paul Myers than from Mr. Obama.
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                    • Profile picture of the author MikeAmbrosio
                      Originally Posted by DJL View Post

                      • I would much sooner buy a used car from Paul Myers than from Mr. Obama.
                      LOL - well, let's see how Paul feels about being compared to a used car salesman

                      Love it.
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      • Profile picture of the author seasoned
        Originally Posted by SteveJohnson View Post

        To be fair, the President doesn't control spending, the Congress does. The President can, however, veto the budget (if there actually were one) or spend less than the amount of appropriations - if he wanted to
        NORMALLY he doesn't. This one DID until about 2010 and now can hold things hostage(And HAS, and blamed his opponents) if he doesn't get his way.

        Steve
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  • Profile picture of the author MikeAmbrosio
    Not sure how a thread on Single Payer health insurance turned into a thread on the mortgage mess, but I found this an interesting read:

    The Nature and the Origin of the Subprime Mortgage Crisis
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    • Profile picture of the author ronrule
      Originally Posted by MikeAmbrosio View Post

      Not sure how a thread on Single Payer health insurance turned into a thread on the mortgage mess, but I found this an interesting read:

      The Nature and the Origin of the Subprime Mortgage Crisis
      That sounds really familiar. Unfortunately it seems people who have a left-leaning view of politics are towing the party line that government played little to no role and it was all the result of evil bankers and wall street fat cats. :rolleyes:

      For the record, I'm not a Republican or a "right winger" - I'm just sharing what I've observed with people letting their political views dictate what information they believe. To the known left-wingers in this thread, it seems your position is that government can do no wrong when there's a socially-oriented goal, and will ignore any evidence of ineptitude or wrong-doing surrounding it. Those on the right seem to be more open to the reality of government's true role in the collapse, but even in some of those cases it's based more on an opinion that government is always at fault. Of course, this is just my observation based on what I'm seeing here, but in both cases I don't understand why people view things that way. I don't get why people are willing to tolerate behavior from their own party that they wouldn't tolerate from the other.

      This sort of thing happens often. Like when Bill Clinton was under fire for his affair, the left wingers said it was his private life, doesn't affect his role as President, etc. But then those very same people attacked Newt Gingrich and Herman Cain for their affairs. And the opposite is true as well... the people on the right who were attacking Clinton rushed to the defense of Gingrich and Cain when it was flipped around? Why the double standard?

      I'd rather look at the facts impartially. If government had no role, and it was caused by wall street, that's what I would be posting. But when you look at the situation impartially, letting go of your personal feelings on wall street, bankers, government, etc., it's obvious that government is entirely responsible for the conditions and events that created and popped the bubble. The facts are the facts.

      I apply the same impartial filter to healthcare. Honestly - and the right-wingers will hate me for saying this - I like the "idea" of universal health care. It's one less thing to worry about. Even though I feel "financially secure", if one of my kids ever got cancer or something I don't want to have to worry that they would get anything less than the best care, and don't want to have to bankrupt myself seeing that they get it. So it's a nice idea, and one that we should strive toward. BUT ... I'm also a realist and understand economics. People don't work for free, technology isn't developed for free, and ultimately someone has to pay the bill. And if you just change who pays the bill, without addressing all of the reasons it's so expensive in the first place, it just becomes more expensive and, like the housing market, will eventually collapse under its own weight. So I can't support a single-payer system or universal health care today. That sucks... but sometimes that's the way it is, reality often sucks.

      Nevertheless, the summary at the end of the page you linked sums it up pretty well:

      The subprime mortgage crisis had its origin in the program the directors of Fannie Mae initiated in the late 1990's to pursue social welfare goals rather than maintain financial viability. Lenders were strongly encouraged to reduce the requirements for mortgage below what had been found to be the minimum adequate levels. Having pushed the lenders into the subprime mortgage market Fannie Mae made the financially infeasible feasible by being willing to buy such subprime mortgage and to grant default insurance on such mortgages. When Fannie Mae effectively went bankrupt the lenders who had written such subprime mortgages found that there was no longer a market for them and thus they were stuck with them. Also those lenders who had obtained default insurance now find that insurance is useless if Fannie Mae cannot pay off on the defaulted mortgages. The lenders should have been aware that there is a risk with any insurance company that it might not be willing and able to pay off on claims. The supposed guarantee of Fannie Mae obligations by the Federal Government removed any concern of businesses with the risk of counter-party default. It is unwise to encourage such behavior.

      There are plenty of parties to blame for the subprime mortgage crisis, but a large share of that blame rests with Franklin Raines, Timothy Howard and the other members of the inner circle of Fannie Mae. The lenders would not have written the flawed mortgages with their bobby-trapped conditions if they could not have counted on selling them to Fannie Mae or getting default insurance from such sources. And finally scuttling Fannie Mae in September of 2008 before it was technically bankrupt produced a shocked surprise for the stock market that produced the panic selling and the collapse of stock prices.
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      • Originally Posted by ronrule View Post

        But when you look at the situation impartially, letting go of your personal feelings on wall street, bankers, government, etc., it's obvious that government is entirely responsible for the conditions and events that created and popped the bubble.
        The fact that you made such an oversimplistic, blanket statement is enough to destroy your credibility all by itself.
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        • Profile picture of the author ronrule
          Originally Posted by Hopeless Bromantic View Post

          The fact that you made such an oversimplistic, blanket statement is enough to destroy your credibility all by itself.
          :rolleyes:

          Sure. Tell me again how the private sector lowered the interest rates, legislated subprime mortgages into existence, made the government buy them, and then raised the interest rates after they sold them...?

          Unless I missed something, the hand of government was responsible for all of that.
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          • Originally Posted by ronrule View Post

            :rolleyes:

            Sure. Tell me again how the private sector lowered the interest rates, legislated subprime mortgages into existence, made the government buy them, and then raised the interest rates after they sold them...?

            Unless I missed something, the hand of government was responsible for all of that.
            Any response I can give at this point would lend credibility to your position.

            So I guess I'll have to bow out.
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  • Profile picture of the author Ron Lafuddy
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  • Profile picture of the author NewParadigm
    why haven't several people from Wall Street been prosecuted this past 5 years?
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    • Profile picture of the author seasoned
      Originally Posted by NewParadigm View Post

      why haven't several people from Wall Street been prosecuted this past 5 years?
      See, THIS is what I don't understand. Has any law been broken by WS?

      If I were king, I would throw a lot of congress in for lying, wasting time/resources, misappropriating money, insider trading, aiding and abbeting fraud through things like getting rid of GS, not enforcing the Sherman Antitrust act, improper coercion, requiring banks to run the economy into the ground by giving loans to people that have NO desire to have ANY hope to pay them back, spreading poverty around the world by selling these securities, etc....

      This goes BEYOND the police, BEYOND the SEC! This is FBI and CIA territory!!!!! It goes BEYOND the US and Wall street. Germany, the UK, and ICELAND are just SOME of the nations I know of that have been affected. HECK, just THAT means it has an indirect effect on EVERY EU nation. That could be PART of the reason why EVERYONE seems to have problems.

      But WHAT law has been broken by WS, that caused these problems?

      I checked some articles, and they talked about companies lying to make them appear better. Yeah, I hate that, but the US government does the SAME. And one article ended with:

      "I told my student that such news stories tell volumes about the state of our polity: a strong Wall Street, a weak political class and an exhausted public.
      Some days one cannot but wonder whether one should join Occupy Wall Street, the tea party or both"

      GIVE ME A BREAK! It is a meager Wall Street, a WAY TOO STRONG political class, and exhausted middle class. So he got THAT wrong!

      Occupy Wall Street would NOT help! Even if it WERE Wall Street that was responsible, HOW would that help?

      I think the tea party can help, and that IS how this country started! Seriously! THAT event happened almost 240 years ago. Boston Tea Party - Wikipedia, the free encyclopedia
      THEN it referred to tea because a TEA tax started it. NOW, to play off of TEA, they named the group "Taxed Enough Already". But BOTH are because of high taxes and a LARGE number of regulations. But the goal is to WEAKEN the political class, and give the middle class a break! That is not what he said needs to be done.

      And BOTH? OWS and TTP are on TOTALLY opposite sides with opposite goals and NEITHER would want a guy from the other.

      NOPE the GOVERNMENT is the big problem here. HECK, we USED to have money BACKED by currency that could be redeemed for gold or silver. NOW, we have it backed by a group of conspirators by FIAT. This means that a lot of things can affect its value, and it can ave huge inflation. That ALONE causes a TON of problems.

      Steve
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  • Profile picture of the author seasoned
    ronrule,

    GOOD POINT! For those in JAIL, FOOD, TV, EDUCATION, CABLE TV, GYM, FULL HEALTH/ELECTIVE/DENTAL/EYE service, and likely MORE are considered rights!

    What do those OUTSIDE of jail get? LIMITED EDUCATION, and "freedom" that is forever shrinking! At least SOME very "poor" can get up to like $60,000 a year. $60,000 is about 50% above the average income. You could probably live a decent life off of $15600 take home pay.

    The minimum WAGE IS about $15080, but that is the WAGE! The total TAX could be about 34%, so 5127.2 goes to the governments! SO, the takehome pay is $9952.8, courtesy of the US government.

    If you ask me, those that are in jail for senseless murder, scams, corruption etc... deserve LESS than they would have gotten outside had they not benefited from whatever. So whether it is MADOFF, some gang leader, or some senator, they shouldn't be given anything more than really basic food and basic healthcare(Like kids used to get in school). And those outside should have access to the same, if they need it.

    Steve
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  • Profile picture of the author ronrule
    I think the bigger question is "Why are 20-somethings racking up all of this student loan debt if they can't use the education to get a better-paying job"? I mean, that's why they go to college in the first place, isn't it? If the ends don't justify the means, what's the point?

    Maybe, and this is just a hunch, too many people are majoring in dumb crap? The last "college graduate" I talked to was whining because he couldn't find a job even though he had a degree. His major: philosophy. What was your plan, were you gonna be a Philosopher? :rolleyes:

    Maybe that's an extreme example, I dunno. But look at something like Education, Accounting, medical assisting, business administration, paralegal, or Information Technology (including Healthcare IT). Plenty of jobs abound, and you can get an AA in two years at a community college for a total cost of about $2,500, pay as you go, and have no debt at all when you graduate. Or, you could pay $30,000 for the same degrees at a university and not have any better chance of getting a job than the CC graduate. For most jobs, employers don't care what school you went to. More are valuing relevant experience over paper these days anyway, as indicated by the unemployment rate being significantly higher for recent graduates than any other group.

    At what point do we say "suck it up, stop whining, and make better choices"? Stop spending money you don't have to major in things you can't use to pay the bills.
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    • Profile picture of the author TimPhelan
      Of course the ACA isn't single payer but it seems to have become a part of this thread ( like a bunch of other subjects ). So here's an article on the latest report from the CBO on the ACA:

      The Congressional Budget Office has released updated estimates on the Affordable Care Act's impact on both the budget and the health insurance industry. The findings show that the president's signature health care law is actually growing cheaper to implement, costing the government $5 billion less in 2014 than was previously projected. The law also is projected to cover more individuals than previously believed, owing, in part, to some broader workforce trends...

      Twelve million more non-elderly people will have health insurance in 2014 than if Obamacare had not become law.
      CBO: Obamacare Will Cost Less Than Projected, Cover 12 Million Uninsured People This Year
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      • Profile picture of the author seasoned
        Originally Posted by TimPhelan View Post

        Of course the ACA isn't single payer but it seems to have become a part of this thread ( like a bunch of other subjects ). So here's an article on the latest report from the CBO on the ACA:



        CBO: Obamacare Will Cost Less Than Projected, Cover 12 Million Uninsured People This Year
        Then why don't they cut the premiums in HALF, so it LOOKS like people are breaking even? Why don't they cut the premium to 30%, so it looks like they are living up to the promise? Why don't they THEN cut the deductible in half, and lower the copays so, assuming all else is the same, they live up to the promise?

        HECK, THIS is supposedly positive:

        Lower premiums (yes, really) drive down Obamacare’s expected costs, CBO says

        But look at where the costs start, and how they climb early on.

        BTW premiums offered will increase THIS YEAR, so these estimates assume something not yet known.

        Less biased:

        What Will Obamacare Cost You? - Forbes

        CALIFORNIA
        Men @27 42% INCREASE
        Men @40 31% INCREASE
        Men @64 9% INCREASE

        WOMEN pay/paid the SAME as the MEN! I guess that changed.

        INDIANA
        Men +25% +13% -17%
        Women -2%, -24%, -15%

        OK, in Indiana, it LOOKS like women, and senior men, pay less than they did, but realize it isn't as well accepted, deductibles are higher, and copays are higher. ALSO, they are dialing back on preventative tests, like mammograms, and prostate exams.

        Also, as I have indicated several times, there is no basis for apples to apples comparison, and forbes doesn't compare all plans, and are apparently using silver. That is the lowest cost.

        ALSO, these prices clearly violate the old bills criteria.
        $206 for 27yo, so 65yo should be no higher than $412, but it is listed as $591. Even if the newer bill were different, one wonders what gives. If either includes the subsidy or medicaid or medicare, it isn't a valid comparison.

        Steve
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        • Profile picture of the author lanfear63
          I wonder how many of you who are against this system have ever travelled abroad and lived or worked in a country like the UK who has a National Health System, or France, Canada, Australia or other Euro countries?

          I have lived here now for 10 years and like a lot of aspects about the US. It also makes you realize what you miss and I have to say, have taken for granted for so long.

          I can still step back and look at here and there objectively and distance myself from the fine details and say, well that's better than over there or that' s worst. It does get a little blurry though the longer you stay in one place as tend to get caught up in localized stuff.

          If you have never experienced both or several for that matter then you probably have a restricted view based on where you are, the conditions of where you were brought up and the conditionings and indoctrinations that where ever you are provides. There is no blaming here, its just the way it is. America is such a huge continent to move around in and explore and a lot of people never leave it. Never feel the need too.

          Seeing more than one way of doing things by travelling to other places can be eye opening and liberating however.

          For me my homeland is a little blurry now. I see it going about its business on the BBC website but it has become distant, less important as I become more and more embroiled in where I am now. It would probably be the same for you if it was the other way round.

          We get familiar with the local customs, laws etc, even begin to see why they are so and why the people have the attitudes they have. You begin to accept things and go along with them for the most part. You have a whole set of experiences to draw from and voice your opinions on!

          There are some things however that are difficult to accept, like if something is so good and so successful in one country and its model is adopted and used with great success by loads of other diverse cultures, why cant people here just say, Well look, wow, it works! Its fair, it covers everyone, what a brilliant idea. Lets try and make that work here. Cultures use, share and even steal from others all the time different ideas, inventions and ways to do things if they are good!

          Traveling can be a real eye opener and mind and idea expander
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          • Profile picture of the author seasoned
            Originally Posted by lanfear63 View Post

            I wonder how many of you who are against this system have ever travelled abroad and lived or worked in a country like the UK who has a National Health System, or France, Canada, Australia or other Euro countries?
            In reality, we paid as much as you (relative to income value), and got LESS! We are ALSO the FOURTH highest debtor nation(as a percentage of REPORTED GDP)! ALSO, drugs and the like cost a lot more here. Isn't THAT enough to get rid of the idea of "it works everywhere else, WHY don't you want it there?"?

            I have lived here now for 10 years and like a lot of aspects about the US. It also makes you realize what you miss and I have to say, have taken for granted for so long.

            I can still step back and look at here and there objectively and distance myself from the fine details and say, well that's better than over there or that' s worst. It does get a little blurry though the longer you stay in one place as tend to get caught up in localized stuff.

            If you have never experienced both or several for that matter then you probably have a restricted view based on where you are, the conditions of where you were brought up and the conditionings and indoctrinations that where ever you are provides. There is no blaming here, its just the way it is. America is such a huge continent to move around in and explore and a lot of people never leave it. Never feel the need too.

            Seeing more than one way of doing things by travelling to other places can be eye opening and liberating however.

            For me my homeland is a little blurry now. I see it going about its business on the BBC website but it has become distant, less important as I become more and more embroiled in where I am now. It would probably be the same for you if it was the other way round.

            We get familiar with the local customs, laws etc, even begin to see why they are so and why the people have the attitudes they have. You begin to accept things and go along with them for the most part. You have a whole set of experiences to draw from and voice your opinions on!

            There are some things however that are difficult to accept, like if something is so good and so successful in one country and its model is adopted and used with great success by loads of other diverse cultures, why cant people here just say, Well look, wow, it works! Its fair, it covers everyone, what a brilliant idea. Lets try and make that work here. Cultures use, share and even steal from others all the time different ideas, inventions and ways to do things if they are good!

            Traveling can be a real eye opener and mind and idea expander
            The US HAS tried a lot of things from a lot of cultures. British, Italian, Spanish, French, etc... Ever read the Bible? There is the parable of the talents!

            The Parable of the Talents

            Again, it will be like a man going on a journey, who called his servants and entrusted his property to them. To one he gave five talents of money, to another two talents, and to another one talent, each according to his ability. Then he went on his journey. The man who had received the five talents went at once and put his money to work and gained five more. So also, the one with the two talents gained two more. But the man who had received the one talent went off, dug a hole in the ground and hid his master’s money.

            After a long time, the master of those servants returned and settled accounts with them. The man who had received the five talents brought the other five. “Master,” he said, “you entrusted me with five talents. See, I have gained five more.”

            His master replied, “Well done, good and faithful servant! You have been faithful with a few things; I will put you in charge of many things. Come and share your master’s happiness!”

            The man with the two talents also came. “Master,” he said, “you entrusted me with two talents; see, I have gained two more.”

            His master replied, “Well done, good and faithful servant! You have been faithful with a few things; I will put you in charge of many things. Come and share your master’s happiness!”

            Then the man who had received the one talent came. “Master,” he said, “I knew that you are a hard man, harvesting where you have not sown and gathering where you have not scattered seed. So I was afraid and went out and hid your talent in the ground. See, here is what belongs to you.”

            His master replied, “You wicked, lazy servant! So you knew that I harvest where I have not sown and gather where I have not scattered seed? Well then, you should have put my money on deposit with the bankers, so that when I returned I would have received it back with interest.

            “Take the talent from him and give it to the one who has the ten talents. For everyone who has will be given more, and he will have an abundance. Whoever does not have, even what he has will be taken from him. And throw that worthless servant outside, into the darkness, where there will be weeping and gnashing of teeth.”

            - Matthew 25:14-30 (NIV)
            The US is like the guy with one talent. ACTUALLY, the US is WORSE, for the guy would come back, find the talent gone, be billed 3% for not investing, and lose another 3% through inflation!

            As in the parable, if the US provided more of a return, more would be willing to pay. A return could be things as simple as clean streets and a stable government with safe cities.

            Steve
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  • Profile picture of the author NewParadigm
    This is a TOTAL scam to push the even higher accelerated costs off til after the upcoming elections the next couple years.

    "The CBO, which four years ago projected that Obamacare would cut the deficit, didn't provide a new detailed accounting of the entire law's expected costs and savings"
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    • Profile picture of the author seasoned
      Originally Posted by NewParadigm View Post

      This is a TOTAL scam to push the even higher accelerated costs off til after the upcoming elections the next couple years.

      "The CBO, which four years ago projected that Obamacare would cut the deficit, didn't provide a new detailed accounting of the entire law's expected costs and savings"
      That's another thing. There are basically like 4 groups involved.

      1. Government and VERY rich.... CARVED OUT! EXEMPT!
      2. Unions.... CARVED OUT! EXEMPT!
      3. INDIVIDUALS.... BEING PROCESSED NOW, and FEW know where they really stand.
      4. MY GROUP, EMPLOYER PROVIDED! DELAYED, and processing has not even STARTED!
      5. Some in #3 and #4 have hybrids provided in part by the state, which makes comparisons even harder.

      This was SUPPOSEDLY done for groups 1 and 2 and SYMPATHY for others from 3 and 4. Yet 1 and 2 are EXEMPT, and 3 and 4 were lied to and now must do who knows what.

      Steve
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  • Profile picture of the author seasoned
    WOW! I KNOW that HB is probably not able to see this, but talk about SIMPLISTIC!

    As for the 1%? I was telling my father just yesterday about a pretty rich guy that really hurt his company, and THAT was probably what got him KICKED OUT of the company. He came up with a ridiculously expensive and incompatible system. He named it for his daughter.

    The guys name? Steven Jobs
    The companies name? Apple Computer.
    His daughters, and the systems name? LISA

    Apple Lisa - Wikipedia, the free encyclopedia

    MAN, I don't know what wikipedia is thinking, calling the ~$10,000 price tag INEXPENSIVE! I was there! It was expensive!

    It was redone:

    Macintosh XL - Wikipedia, the free encyclopedia

    2 years later, it cost less than $4,000, and THAT is in line with what would be reasonably hoped.

    As for people that AREN'T in the 1%? How about the guy born into poverty with an uneducated mother, no father, that learned to read apparently mainly because his mother who, IIRC, was ILLITERATE, FORCED him. OH, he became a renowned brain surgeon. He was black, by the way. Ben Carson - Wikipedia, the free encyclopedia

    What about the woman that was probably scraping by, and was a weather girl! Someone thought she could be on a little regional "talk show". You know, with 2 or more people just shooting the breeze about the weather and current events? well, He decided she could use a bigger venue. Where is she NOW? Pretty rich and famous: Oprah Winfrey - Wikipedia, the free encyclopedia

    OK, how about two youngish kids. I guess they struggled to go to college. Neither actually bothered to finish school. One seemed to be kind of a loafer. The other was kind of nerdy and into electronics. They SCROUNGED through garbage for parts the nerdy guy would use to build a product. The OTHER guy fancied himself an idea guy, and tried to get the press to come. The product smoked.(THAT is why those companies throw out such parts. Many are usable, but others are just TRASH!) Oh well, they sold a calculator and a VW bus(ACTUALLY, this wa about the size of a van). So they had about $1300 in capital. They built 10 products THEY SOLD! So WHO ARE THEY? Well, the "idea man" was Steven Jobs. The other guy was Stephen Wozniak. The company is Apple Computer.

    OK, how about ANOTHER guy! Born into poverty! He lived a somewhat average life, and decided to open a franchise. He managed to run it so well, that the land owner kicked him out so his son could have it. Oh well, eventually he tired of such things, and opened his OWN store. HIS name was Sam Walton! The store is called WALMART! I don't know how rich HE was, but many of his kids cluster around the richest people in the US at least. And don't forget samsclub!

    YEAH, I guess you have to have BILLIONS to do ANYTHING in the US.

    Steve
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  • Profile picture of the author SteveJohnson
    Wow. ^^^ Just. wow.
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  • Profile picture of the author seasoned
    BTW just so you know, the Huffington post is trying to push the Single Payer exit plan the same way I said they would YEARS ago! They are doing it by saying I WAS RIGHT!
    TL, you wanted proof? Here it is from YOUR favorite source!

    How Obamacare Leaves Some People Without Doctors

    And THANKS! The company that runs MY insurance that I haven't had problems with yet, is NAMED!!!!!! I may only be able to have it for another 3 months! And all the hospitals within TENS of miles of here are owned by the SAME group! If ONE isn't covered, they likely ALL won't be. They are some of the best in the state AND country!

    Steve
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  • Profile picture of the author seasoned
    BTW just so there isn't a misunderstanding:

    In the 6 months before I took office, we lost four million jobs
    and we lost another 4 million before our policies were in full effect.

    :14 And we lost (more) before our full policies were in full effect
    those are the facts, but so are these....In the last 22 months
    businesses have created more than 3 million jobs

    :33 last year, they created the most jobs since 2005.
    SO, it translates as....

    THEY lost 4 million in the 6 months before I was in office.
    YEAH, we lost another 4 million BEFORE my policies were in full effect.
    In the last 22 months, SINCE my policies have been in full effect, we gained 3 million jobs.
    Last year, the most jobs ever, in any year since 2005, were created.

    So you can see, he was CLEARLY stating that this was all due to HIS policies! HECK, North dakota is having a HUGE boom! It spans multiple industries. NONE of that is due to Obama. I guess you COULD say that shutting down the keystone pipeline, that killed a lot of jobs ELSEWHERE, and the increased inflation, HELPED ND and makes the boom all the more remarkable, but that is nothing to brag about. If they were using PUBLIC land, some of the new policies would have OBLITERATED the business. And they HAVE elsewhere.

    So he is EVEN taking credit for jobs that he would have killed INTENTIONALLY.

    Steve
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  • Profile picture of the author Glenn7Harris
    I have tried to understand Obamacare, the views for it and the views against it, and i am still confused by it.
    But wouldnt any kind of healthcare be better for the country.
    I live in Queensland Australia, and in this state people can get a free ride in a ambulance to a public hospital and get to see a doctor straight away at no cost.

    Yes we have private hospitals and those with health policies can get in there at little cost. Just wouldnt it be a better system for more people if health care was free?
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    • Profile picture of the author Joe Mobley
      Originally Posted by Glenn7Harris View Post

      I live in Queensland Australia, and in this state people can get a free ride in a ambulance to a public hospital and get to see a doctor straight away at no cost.
      Glenn, you misunderstand... The "free ride in a ambulance" is only free to the rider.

      Originally Posted by Glenn7Harris View Post

      Yes we have private hospitals and those with health policies can get in there at little cost. Just wouldnt it be a better system for more people if health care was free?
      Again, a misunderstanding of "free." You need look no further than the example of the quality of a free education in the US school system.

      Joe Mobley
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    • Profile picture of the author seasoned
      Originally Posted by Glenn7Harris View Post

      I have tried to understand Obamacare, the views for it and the views against it, and i am still confused by it.
      But wouldnt any kind of healthcare be better for the country.
      I live in Queensland Australia, and in this state people can get a free ride in a ambulance to a public hospital and get to see a doctor straight away at no cost.

      Yes we have private hospitals and those with health policies can get in there at little cost. Just wouldnt it be a better system for more people if health care was free?
      It isn't even really INSURANCE, and isn't healthcare.

      You know what it is like? Say I visited you. I saw a nice TV set, set it up tested it there, and saw a BEAUTIFUL picture, and figured all was nice, and I sent it here to use it.

      OK, I bought a TV, RIGHT!?!!?!? I KNOW it works, right?!?!?!? All is fine, RIGHT?

      I set it up here, and it DOESN'T work! I didn't buy a TV set! It is likely advertised as that, as it is here. But I DIDN'T! I bought a PAL TV set. Americans THINK they need TV sets, but it has to be an NTSC TV set.

      World Television Signal Guide by Country

      As some say, the devil is in the details, and insurance has a LOT of them! Some took DAYS to CHOOSE policies with the old system. NOW, on line, you may not be able to see specifics.

      YEAH, we were promised to get what YOU have AND keep what we had, if we wanted it. We CAN'T keep what we have! We were even told they would pay more, and we would pay less. Most of us pay more, and THEY pay less. MILLIONS have LOST their insurance! The promise to get what YOU have NEVER happened. And what we are given WON'T work for ME, and has failed many. And the year isn't even half over!

      How Obamacare Leaves Some People Without Doctors

      As for ME, I don't even know what STATE I will be in next week! I can't spend time check every hospital, doctor, etc... Luckily, MOST can check their home area and work area, and HOPE they are close to one. In the last 365 days, I have been in like 5 states!

      Steve
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  • Profile picture of the author Kurt
    Here's another of Gary's fallacies. He claims that those that get gov aid are "lazy". The facts are, the vast majority of those that get federal aid are children, seniors and military families.

    Gary wants to take aid away from kids, the elderly and military families because a small percentage of those that get aid are lazy or frauds.

    Some of us want to find the lazy and frauds and weed them out, and still help those that need it. Gary wants to cut out all aid because he doesn't want any lazy people getting help. If this isn't true, why doesn't he ever bring up those that can't help themselves or are serving their country?

    Gary, what advice do you have for a 5 year old so he can feed himself and not be a leach on society?
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