"I am Tosk" wrote in message
...
In article ,
says...

On Mon, 4 Oct 2010 10:35:42 -0700, "nom=de=plume"
wrote:

According to you. Kids are allowed to stay on the parent policies until
26.
Yes, there are always exceptions.

It is true that your 2o something can stay on the policy but it is
extra money. ($200 at Aetna)

How much you want to bet she uses the exact same talking point within a
week, even though several of us have noted how much extra it will cost
folks... Seems she forgot the bill was written by those who Obama and
the DNC sold the privilege to. The whole thing was a huge payoff, let
them write their own bill, same as the banks, the auto unions, etc,
etc... It's a bought and paid for administration..

--
OH, I could do the 105 footer, but I would hate to waste the last few
seconds of my life with my eyes closed, screaming like a little
girl...

And, you're a huge crackpot!!

wrote in message ...
On Mon, 4 Oct 2010 22:55:31 -0700, "nom=de=plume"
wrote:


wrote in message
. ..
On Mon, 04 Oct 2010 19:11:44 -0400, Secular Humoresque
wrote:

We need
to get rid of the health insurance industry as it exists in this country.

I think health insurance should be something like $3000 deductible
(what I am carrying now). If that was true the cost would be
reasonable and the patient would argue about abusive bills for silly
stuff.
Medical procedures got expensive because they were "free". Nobody
cared that the doctor was charging you $200 for tetanus shot because
the insurance picked it up.

So, someone who works a minimum wage job is suppose to have $3K sitting
around for a doctor?

Please don't blame doctors. The insurance companies bleed them dry with
needless paperwork, all the while delaying claims and obstructing needed
care. Get rid of the insurance companies, and we might have a shot at
decent, affordable health care.


If they don't have 3 grand "sitting around", how will they ever be
able to afford the insurance premium?
It was a no brainer for me. I could have paid $3600 a year for "full"
insurance (still with a $25 co pay and things that they won't cover)
or just keep $3000 in reserve for if I ever got sick.

I have the same question for those people carrying huge credit card
balances. If you don't have enough money to cover your expenses, how
can you afford to cover your expenses and also pay the bank 29.999% on
top of your expenses?




--
I'm the real Harry, and I post from a PC or a MAC, as virtually everyone knows.
If a post is attributed to me, and it isn't from a PC or a MAC, it's from an ID
spoofer who hasn't the balls to post with his current ID
Boatless Harry

wrote in message ...
On Mon, 4 Oct 2010 22:55:31 -0700, "nom=de=plume"
wrote:


wrote in message
. ..
On Mon, 04 Oct 2010 19:11:44 -0400, Secular Humoresque
wrote:

We need
to get rid of the health insurance industry as it exists in this country.

I think health insurance should be something like $3000 deductible
(what I am carrying now). If that was true the cost would be
reasonable and the patient would argue about abusive bills for silly
stuff.
Medical procedures got expensive because they were "free". Nobody
cared that the doctor was charging you $200 for tetanus shot because
the insurance picked it up.

So, someone who works a minimum wage job is suppose to have $3K sitting
around for a doctor?

Please don't blame doctors. The insurance companies bleed them dry with
needless paperwork, all the while delaying claims and obstructing needed
care. Get rid of the insurance companies, and we might have a shot at
decent, affordable health care.


If they don't have 3 grand "sitting around", how will they ever be
able to afford the insurance premium?
It was a no brainer for me. I could have paid $3600 a year for "full"
insurance (still with a $25 co pay and things that they won't cover)
or just keep $3000 in reserve for if I ever got sick.

I have the same question for those people carrying huge credit card
balances. If you don't have enough money to cover your expenses, how
can you afford to cover your expenses and also pay the bank 29.999% on
top of your expenses?


Notice that she neglected to include the blood sucking ambulance chasers in the mix.

--
I'm the real Harry, and I post from a PC or a MAC, as virtually everyone knows.
If a post is attributed to me, and it isn't from a PC or a MAC, it's from an ID
spoofer who hasn't the balls to post with his current ID
Boatless Harry

wrote in message
...
On Mon, 4 Oct 2010 22:55:31 -0700, "nom=de=plume"
wrote:


wrote in message
. ..
On Mon, 04 Oct 2010 19:11:44 -0400, Secular Humoresque
wrote:

We need
to get rid of the health insurance industry as it exists in this
country.

I think health insurance should be something like $3000 deductible
(what I am carrying now). If that was true the cost would be
reasonable and the patient would argue about abusive bills for silly
stuff.
Medical procedures got expensive because they were "free". Nobody
cared that the doctor was charging you $200 for tetanus shot because
the insurance picked it up.

So, someone who works a minimum wage job is suppose to have $3K sitting
around for a doctor?

Please don't blame doctors. The insurance companies bleed them dry with
needless paperwork, all the while delaying claims and obstructing needed
care. Get rid of the insurance companies, and we might have a shot at
decent, affordable health care.


If they don't have 3 grand "sitting around", how will they ever be
able to afford the insurance premium?

Because people live paycheck to paycheck. They can afford to pay $200/mo
(barely) that they can scrape up, but they can't afford nor probably have
access to $3K. Seems pretty obvious to me...

It was a no brainer for me. I could have paid $3600 a year for "full"
insurance (still with a $25 co pay and things that they won't cover)
or just keep $3000 in reserve for if I ever got sick.

Certainly is. I don't have to worry about plunking down a bunch if I need
to... car dies, I pay cash, but most people aren't in your or my spot.

I have the same question for those people carrying huge credit card
balances. If you don't have enough money to cover your expenses, how
can you afford to cover your expenses and also pay the bank 29.999% on
top of your expenses?

It's called minimum payments. In the short run, that works fine, but of
course, the long term isn't so rosy. You keep borrowing, keep racking up
more debt to pay those must-pay bills like utilities and mortgage. It's a
vicious cycle.

wrote in message
news
On Mon, 4 Oct 2010 22:59:21 -0700, "nom=de=plume"
wrote:

$2400 a year is far from free though and that is after tax money so it
is more like $2700. If your kid doesn't have a serious disease, it is
a horrible deal.

Well, not to beat a dead horse but of course it's a bad deal for us
and a great deal for those who wrote the bill..

Actually, I almost agree. It's a great deal for the insurance companies...
30M new people, and a so-so deal for everyone else. Fortunately, unlike
The
Constitution, it can be amended and improved... lol You know... In order
to
form a __more__ perfect union. Sorry. Scalia/Thomas **** me off.


We could have written the right bill from nothing as easily as we can
fix this boondoggle. Now we not only need to come up with the right
plan, we need to repeal this one. Bureaucracies are hard to get rid of
once they are entrenched.

No repeal is needed or warranted. It's totally fixable. The repeal first is
just a reactionary load of crap that would put us back. Many programs start
as major compromises. There's nothing new. Social Security and Medicare are
good examples. They've been amended many times, and they still have problems
(fixable problems), but few people seriously advocate repealing them.

wrote in message
...
On Mon, 4 Oct 2010 22:57:28 -0700, "nom=de=plume"
wrote:


wrote in message
. ..
On Mon, 4 Oct 2010 16:39:25 -0700, "nom=de=plume"
wrote:


wrote in message
m...
On Mon, 4 Oct 2010 10:35:42 -0700, "nom=de=plume"
wrote:

According to you. Kids are allowed to stay on the parent policies
until
26.
Yes, there are always exceptions.

It is true that your 2o something can stay on the policy but it is
extra money. ($200 at Aetna)

As from a previous response... Did she suppose it would be free?


$2400 a year is far from free though and that is after tax money so it
is more like $2700. If your kid doesn't have a serious disease, it is
a horrible deal.

I have no idea what the actual cost of the policy is, but I do know that
nobody has a contract with God. Feel free to not have homeowner's
insurance,
fire insurance, flood insurance, etc.


I have fire, theft and liability but I dropped flood and windstorm ...
for the same reason.
If I keep the $4,000 a year they want for the insurance, I can cover
the 25 year storm (that is the break even point assuming maximum
payout and zero interest). Granted we have the contacts in the
construction industry that would allow us to make repairs quickly and
fairly cheap but I also have the ability to take he hit.
Insurance is like credit cards. It is a huge price you pay for not
saving any money in your life and becomes a trap.
I thought they were on the right track when they were pushing tax free
health savings accounts.

Well, again... you can afford to keep money in reserve. That's great, but
that's not very typical.

I'm on the fence about the HSAs and Flexible Spending accounts. You have to
pay them upfront and then if you don't use all of it you lose it. It's
pre-tax, but you have to be really good at estimating your expenses. I don't
use either, but I have the option.

On Tue, 05 Oct 2010 01:44:06 -0400, wrote:

On Mon, 04 Oct 2010 21:18:28 -0400, bpuharic wrote:

you right wingers just dont get it, do yo? you LOVED the way 1929
treated the middle class, and want that repeated. that's what would
have happened if we didnt bail out the banks.


Why do you suddenly trust the same wall street bankers you have been
trashing for months?

?? where did i say i trust them? they simply left us no choice. look
at what happened to the markets after lehman bros collapsed.

that doesnt mean we have to CONTINUE to trust them like the right wing
says.

Why do you care about the markets, you don't have any stocks.

ever hear of a 401K?

The fact
is they did let Lehman fail and the world didn't end.

bull****. it came close. the liquidity crisis was real....but you
never notice when you DONT fall off a cliff

If you didn't
have the huge bailout debts hanging over the companies that did get
bailed out, maybe they would be spreading capital around where it
would create jobs instead of using it to pay back the government.

ah. and how would this have worked for the companies that DIDNT get
the bailout when AIG went under? the world's largest insurance
provider out of business...think that would have had an effect?


The real underlying problem for your middle class is still that we
don't make anything here, at least not enough to employ the 16,000,000
people who can't find a job.

that's because the right wing has spent the last 40 years destroying
the middle class. it worked.




nope. he's also created 'death panels' for banks to kill them if they
start to get in trouble

"Too big to fail" is still there.

too sophisticated for you, it seems

I haven't heard any financial analysts who thinks they fixed to big to
fail or any of the other fundamental problems.

and i have.

We did put some US
banks at a disadvantage compared to foreign banks that may be doing
business in the same building in lower Manhattan.

great. let them take the risk the next time.

They are throwing money at the people they think will take over the
congress. Why bribe a loser?

kind of tells you who ****ed them off, doesn't it?

and it aint the GOP

****ed who off? It seems the voters are the ones ****ed off and that
is why the Dems are going to lose the house, maybe the senate.
Why would the lobbyists want to bribe someone who will be going home
in January?

know who the biggest spender in the next election is?

the US chamber of commerce. they aint pro union and they aint pro
middle class.

On 10/5/10 5:21 PM, wrote:
On Tue, 5 Oct 2010 10:36:56 -0700,
wrote:


wrote in message
...
On Mon, 4 Oct 2010 22:55:31 -0700,
wrote:


wrote in message
...
On Mon, 04 Oct 2010 19:11:44 -0400, Secular Humoresque
wrote:

We need
to get rid of the health insurance industry as it exists in this
country.

I think health insurance should be something like $3000 deductible
(what I am carrying now). If that was true the cost would be
reasonable and the patient would argue about abusive bills for silly
stuff.
Medical procedures got expensive because they were "free". Nobody
cared that the doctor was charging you $200 for tetanus shot because
the insurance picked it up.

So, someone who works a minimum wage job is suppose to have $3K sitting
around for a doctor?

Please don't blame doctors. The insurance companies bleed them dry with
needless paperwork, all the while delaying claims and obstructing needed
care. Get rid of the insurance companies, and we might have a shot at
decent, affordable health care.


If they don't have 3 grand "sitting around", how will they ever be
able to afford the insurance premium?

Because people live paycheck to paycheck. They can afford to pay $200/mo
(barely) that they can scrape up, but they can't afford nor probably have
access to $3K. Seems pretty obvious to me...

It was a no brainer for me. I could have paid $3600 a year for "full"
insurance (still with a $25 co pay and things that they won't cover)
or just keep $3000 in reserve for if I ever got sick.

Certainly is. I don't have to worry about plunking down a bunch if I need
to... car dies, I pay cash, but most people aren't in your or my spot.

I have the same question for those people carrying huge credit card
balances. If you don't have enough money to cover your expenses, how
can you afford to cover your expenses and also pay the bank 29.999% on
top of your expenses?

It's called minimum payments. In the short run, that works fine, but of
course, the long term isn't so rosy. You keep borrowing, keep racking up
more debt to pay those must-pay bills like utilities and mortgage. It's a
vicious cycle.


You have described the problem but the ONLY fix it is to get some
personal responsibility back in the populace. I am not rich and I
really never have been but I was brought up understanding it is better
to save up your money and buy something instead of doing it on credit.
Insurance is nothing but prepaid credit.


That health savings acct will be a big help to a worker at Wal-Mart
whose family member needs a $200,000 kidney transplant.



--
Republicans are the Party of No:
No Leaders / No Ideas / No Morals

wrote in message
...
On Tue, 5 Oct 2010 10:36:56 -0700, "nom=de=plume"
wrote:


wrote in message
. ..
On Mon, 4 Oct 2010 22:55:31 -0700, "nom=de=plume"
wrote:


wrote in message
m...
On Mon, 04 Oct 2010 19:11:44 -0400, Secular Humoresque
wrote:

We need
to get rid of the health insurance industry as it exists in this
country.

I think health insurance should be something like $3000 deductible
(what I am carrying now). If that was true the cost would be
reasonable and the patient would argue about abusive bills for silly
stuff.
Medical procedures got expensive because they were "free". Nobody
cared that the doctor was charging you $200 for tetanus shot because
the insurance picked it up.

So, someone who works a minimum wage job is suppose to have $3K sitting
around for a doctor?

Please don't blame doctors. The insurance companies bleed them dry with
needless paperwork, all the while delaying claims and obstructing needed
care. Get rid of the insurance companies, and we might have a shot at
decent, affordable health care.


If they don't have 3 grand "sitting around", how will they ever be
able to afford the insurance premium?

Because people live paycheck to paycheck. They can afford to pay $200/mo
(barely) that they can scrape up, but they can't afford nor probably have
access to $3K. Seems pretty obvious to me...

It was a no brainer for me. I could have paid $3600 a year for "full"
insurance (still with a $25 co pay and things that they won't cover)
or just keep $3000 in reserve for if I ever got sick.

Certainly is. I don't have to worry about plunking down a bunch if I need
to... car dies, I pay cash, but most people aren't in your or my spot.

I have the same question for those people carrying huge credit card
balances. If you don't have enough money to cover your expenses, how
can you afford to cover your expenses and also pay the bank 29.999% on
top of your expenses?

It's called minimum payments. In the short run, that works fine, but of
course, the long term isn't so rosy. You keep borrowing, keep racking up
more debt to pay those must-pay bills like utilities and mortgage. It's a
vicious cycle.


You have described the problem but the ONLY fix it is to get some
personal responsibility back in the populace. I am not rich and I
really never have been but I was brought up understanding it is better
to save up your money and buy something instead of doing it on credit.
Insurance is nothing but prepaid credit.

That's part of the "fix" but most people take personal responsibility if
given half a chance. Personal responsibility doesn't help much if you're
making minimum wage or have medical problems.

wrote in message
...
On Tue, 5 Oct 2010 10:39:24 -0700, "nom=de=plume"
wrote:

Actually, I almost agree. It's a great deal for the insurance
companies...
30M new people, and a so-so deal for everyone else. Fortunately, unlike
The
Constitution, it can be amended and improved... lol You know... In order
to
form a __more__ perfect union. Sorry. Scalia/Thomas **** me off.


We could have written the right bill from nothing as easily as we can
fix this boondoggle. Now we not only need to come up with the right
plan, we need to repeal this one. Bureaucracies are hard to get rid of
once they are entrenched.

No repeal is needed or warranted. It's totally fixable. The repeal first
is
just a reactionary load of crap that would put us back. Many programs
start
as major compromises. There's nothing new. Social Security and Medicare
are
good examples. They've been amended many times, and they still have
problems
(fixable problems), but few people seriously advocate repealing them.


By definition you have to repeal one law to replace it with another
one.
In fact when you actually read the legislation it will say "delete XXX
add YYY" to whatever statute they are changing.

No.... did we repeal the Constitution when we amended it? I missed that one.
So, by your own statement, laws are changed. Would you like to try again?