Obamacare: Walked into my local bank branch today and....

The Off-Topic forum for anything non-LDS related, such as sports or politics. Rated PG through PG-13.
_beastie
_Emeritus
Posts: 14216
Joined: Thu Nov 02, 2006 2:26 am

Re: Obamacare: Walked into my local bank branch today and...

Post by _beastie »

Droopy wrote:

What's your point (and yes, in the last 35 years, out of about three years in the system, I've far more than paid back what I used)?

Using the system, out of last ditch need and under the circumstances in which that need arose, and agreeing with that system, and understanding that that system is irredeemably corrupt, has far more negative effects than good, and incentivizes precisely the wrong values and behaviors, and that a far better system could be created and administered upon far better fundamental principles and assumptions, are two very different things.

I, unlike you and most leftists, do not think or vote with my belly, but upon principle. I know that for you, as for most other liberals here, this is well beyond your comprehension, but I place it here anyway for the record.


Most people who need assistance need it on a temporary basis, and they too eventually "pay back" more than they used. So why do you have the right to call them thieves and yet not number yourself in that category?

If you truly were a person of integrity, you would actually PAY BACK the money you now believe was unjustly taken by others to support you in your time of need, instead of just claiming that, as a taxpayer, you "paid back" the money through taxes.

But you're not really a person of integrity, in my opinion. You just play one on the internet. You acccuse others of being thieves when all they do is the exact same thing you did - use a system out of a last ditch need and out of circumstances in which that need arose. You're a hypocrite, an extremist, and a crank.
We hate to seem like we don’t trust every nut with a story, but there’s evidence we can point to, and dance while shouting taunting phrases.

Penn & Teller

http://www.mormonmesoamerica.com
_Gadianton
_Emeritus
Posts: 9947
Joined: Sat Jul 07, 2007 5:12 am

Re: Obamacare: Walked into my local bank branch today and...

Post by _Gadianton »

New policies always screw someone, and there is little doubt in my mind Obamacare will screw a lot of people, but it won't ruin the economy because it won't have the teeth to prevent such a large market from ultimately finding a way to beat the system. Droopy's and BCSpace's prophecies of national collapse are counterproductive, because five years from now, when everything is OK -- provided Obama policy anticipation is the worst of the potential exogenous shocks -- the liberals will be throwing it into the faces of conservatives that "see, you were wrong!" The goal posts will move from Obamacare solving the nations healthcare problems to Obamacare coexisting with a strong economy. At the end of the day, Obamacare will be considered a success, not because it will do better than providing mixed results, which is what should be our criteria for determining its success, but because it will trimph over the extreme right's ear-blistering predictions of national crisis. In a very real way, Droopy and BCSpace are doing more than Obama himself for ensuring the future victory of Obamacare.
_subgenius
_Emeritus
Posts: 13326
Joined: Thu Sep 01, 2011 12:50 pm

Re: Obamacare: Walked into my local bank branch today and...

Post by _subgenius »

Jaybear wrote:Lets bring some reality to this thread.

99% of large companies (over 200 employees) provide insurance coverage for their employees.
If this was a local branch of a larger bank, then in all likelihood the bank already provided insurance coverage for it employees.

BC Space's belief that the bank reduced its workstaff to offset the additional costs of Obamacare, has no basis in reality.

CFR for the statistic
CFR for the speculation as well (the "likelihood")
CFR for the insurance being "likely" provided and how it will influenced by ACA.
Seek freedom and become captive of your desires...seek discipline and find your liberty
I can tell if a person is judgmental just by looking at them
what is chaos to the fly is normal to the spider - morticia addams
If you're not upsetting idiots, you might be an idiot. - Ted Nugent
_Jaybear
_Emeritus
Posts: 645
Joined: Sun Oct 14, 2007 6:49 pm

Re: Obamacare: Walked into my local bank branch today and...

Post by _Jaybear »

subgenius wrote:
Jaybear wrote:Lets bring some reality to this thread.

99% of large companies (over 200 employees) provide insurance coverage for their employees.
If this was a local branch of a larger bank, then in all likelihood the bank already provided insurance coverage for it employees.

BC Space's belief that the bank reduced its workstaff to offset the additional costs of Obamacare, has no basis in reality.

CFR for the statistic
CFR for the speculation as well (the "likelihood")
CFR for the insurance being "likely" provided and how it will influenced by ACA.


For the statistic:
Fewer Small Businesses Are Offering Insurance: From 2000 to 2007, the proportion of non-elderly Americans covered by employer-based health insurance fell from 66% to 61%.2 Much of this decline stems from small business. The percentage of small businesses offering coverage dropped from 68% to 59%, while large firms held stable at 99%.http://www.healthreform.gov/reports/helpbottomline/


For the speculation and opinion, as it was my speculation and my opinion, I am the source.
Nonetheless BCSpace confirmed that his imaginary bank provided insurance coverage for its employees.

As to how it will be influenced by ACA, its BCSpace and his fellow partisans that claim without evidence, reason or common sense that companies that already provide coverage for their employees will be saddled with costs leading them to layoff employees. Ask BC to connect the dots between the ACA and the imaginary bank layoffs. I sure don't see it.
_Droopy
_Emeritus
Posts: 9826
Joined: Mon May 12, 2008 4:06 pm

Re: Obamacare: Walked into my local bank branch today and...

Post by _Droopy »

subgenius wrote:CFR for the statistic
CFR for the speculation as well (the "likelihood")
CFR for the insurance being "likely" provided and how it will influenced by ACA.


Jaybear wrote:For the statistic:
Fewer Small Businesses Are Offering Insurance: From 2000 to 2007, the proportion of non-elderly Americans covered by employer-based health insurance fell from 66% to 61%.2 Much of this decline stems from small business. The percentage of small businesses offering coverage dropped from 68% to 59%, while large firms held stable at 99%.http://www.healthreform.gov/reports/helpbottomline


Healthcarereform.gov?

I think subgenius was asking for some legitimate independent research, not the official party line.

Nonetheless BCSpace confirmed that his imaginary bank provided insurance coverage for its employees.


What bc claimed was direct awareness of the matter based upon personal knowledge.

As to how it will be influenced by ACA, its BCSpace and his fellow partisans that claim without evidence, reason or common sense that companies that already provide coverage for their employees will be saddled with costs leading them to layoff employees. Ask BC to connect the dots between the ACA and the imaginary bank layoffs. I sure don't see it.


Its quite common econonic/business knowledge at this point, and had been available to any serious thinker and researcher for a long time. Calling the bank layoffs (and those coming across the economy) "imaginary" is just what one would expect cult followers to say when faced with the choice of either drinking the Kool-Aid to the dregs, or facing reality - the reality that there is no free lunch, that the nation cannot afford Obamacare, or much else the federal government is doing and spending, and that we are staring into an abyss, on one side of which stands reality, and on the other side of which a big fat guy with a long white beard, who's belly shakes when he laughs like a bowl full of jelly, dressed in a red suit, and holding a great, bulging bag in his hand marked "Loot," stands beckoning us over the edge of the cliff into the abyss.

Class envy, lust, greed, each citizen desiring to live at the expense of his neighbors; to call this "unsustainable" is to engage in egregious understatement.
Nothing is going to startle us more when we pass through the veil to the other side than to realize how well we know our Father [in Heaven] and how familiar his face is to us

- President Ezra Taft Benson


I am so old that I can remember when most of the people promoting race hate were white.

- Thomas Sowell
_Droopy
_Emeritus
Posts: 9826
Joined: Mon May 12, 2008 4:06 pm

Re: Obamacare: Walked into my local bank branch today and...

Post by _Droopy »

Most people who need assistance need it on a temporary basis, and they too eventually "pay back" more than they used. So why do you have the right to call them thieves and yet not number yourself in that category?


However, a vast constituency of the welfare state has been created that did not exist before the last third of the 20th century, the intergenerational welfare underclass, which does not work, and will likely never work in the private economy. Secondly, a substantial portion of those who you claim need "assistance" on a temporary basis are actually on "assistance" for much of their working lives due to the reach of a number of welfare programs that reach well into the middle class. Thirdly, a critical mass of citizens now receive more in government benefits than they pay in taxes, creating a permanent constituency for larger and more expansive government (greater and ever greater "benefits") over time.

Further, Medicare is a welfare program, Beastie, as is Social Security. The sub-prime mortgage lending practices that initiated initial economic collapse was a welfare program, Beastie, and it reached well beyond the working poor and into the middle classes. The entire scheme was grounded in indemnifying American taxpayers and their children and children's children for any defaults that would occur in such a program. And they are. Then there is the truely astounding amount of corporate welfare, Beastie - the corporatism and rent seeking that is always a key aspect of a socialistic, interventionist state. All of that is "welfare" as surely as is TARP, the Obama stimulus, TANF or food stamps.

If you truly were a person of integrity, you would actually PAY BACK the money you now believe was unjustly taken by others to support you in your time of need, instead of just claiming that, as a taxpayer, you "paid back" the money through taxes.


So what you are here saying is that now, after having paid back into the federal treasury through my own hard work far beyond what I ever used in benefits, I should, as someone who has never made more than $24,000 in my life, write personal checks to the federal government to feed a morally and economically indefensible monstrosity that has destroyed the inner city black family, helped bring the nation to the brink of financial ruin, created a raging entitlement mentality, slowed economic growth and job creation, and incentivized values, habits, mentalities, and cultural attributes that are incompatible and hostile to gainful employment, let alone something that could be called a career. You want me to pay more taxes to support this system rather than leaving it in my hands to support myself and my own family as I see fit?

That's a very interesting mentality, Beastie. Very.

But you're not really a person of integrity, in my opinion. You just play one on the internet. You accuse others of being thieves when all they do is the exact same thing you did - use a system out of a last ditch need and out of circumstances in which that need arose. You're a hypocrite, an extremist, and a crank.


The problem with all this is that you don't know what you're talking about, which makes rational debate, of course, impossible. A very large minority of welfare recipents do not use welfare as a "last ditch" but as their primary means of support. Long term unemployment benefits, then extended for ever longer terms, is one case in point, as is the state of our inner cities in which an entire culture predicated on lifelong permenant or partial welfare dependency has been genrated.

Partial welfare dependency in various forms is now a standard feature of middle class life (as all-time record highs of EBT card use attests) and includes Medicare entitlement after retirement and Social Security checks, a substantial portion of which does not represent what one paid into the system (and there is no such thing as a Social Security trust fund in any normative private sector financial sense anyway) but represents a transfer payment out of the general treasury.

This system needs to be dismantled, for economic, constitutional, and moral reasons; it needs to be sunseted over a reasonable amount of time and an entirely new and re-imagined system put in place to deal with the problem of poverty and unemployment, whether intermittent or long-term.
Nothing is going to startle us more when we pass through the veil to the other side than to realize how well we know our Father [in Heaven] and how familiar his face is to us

- President Ezra Taft Benson


I am so old that I can remember when most of the people promoting race hate were white.

- Thomas Sowell
_Droopy
_Emeritus
Posts: 9826
Joined: Mon May 12, 2008 4:06 pm

Re: Obamacare: Walked into my local bank branch today and...

Post by _Droopy »

If you truly were a person of integrity, you would actually PAY BACK the money you now believe was unjustly taken by others to support you in your time of need, instead of just claiming that, as a taxpayer, you "paid back" the money through taxes.


The moral, as well as evidential, logic of this argument escapes me. Since the government earns no money and creates no wealth, and since all funds the state has at its disposal have been confiscated from the productive sector (the citizens) of the nation, why should I "pay back" that which has already been confiscated from me? In the first instance, it was never the state's money to begin with. The state transferred the property of others to me, but never actually "owned" it in the sense that the politicians and bureaucrats who held and then transferred it to me never earned, created, or generated it. How can I owe to someone that for which no relationship of ownership ever existed?


Why should I pay my taxes twice, especially since I've already paid back far beyond anything I ever used through my own labor? Why should I labor for the political class in this way, more than I already do, and not for myself, my wife, my children and grandchildren, and my Church?

Indeed, a very good argument can be made that, since the state never owned the funds transferred to me in the first place, and since that money that is transferred was actually owned by those who created it through their own productive activity, what the government should actually be doing is taking the money I used in food stamps, AFDC, WIC, and HUD housing subsidies and returning it to its rightful owners as substantial, across the board tax cuts - payroll and income.

That would actually be "paying back" the funds I and other welfare recipients used over the last 35 years back to its rightful owners and creators by allowing that money to come back to them as higher income. You see, Beastie, morally speaking, I don't owe the state anything for the resources I consumed in my few years on welfare. I owe my fellow citizens, and the best way to pay them back is to return that property to them by letting them keep more of their own money and use it to contribute to the productive processes of society. Instead of asking me to impoverish myself personally by transferring more of my own money to those to whom it does not belong and who did not generate it, far better, it would seem, to "pay back" those nameless citizens who helped me along by substantially lowering their tax burden and allowing much more of the fruits of their own labor to stay within the sphere of their own economic decisions and choices.

The other real nice thing about doing it this way is that the political class could not take credit for it, as would be the case if they wrote everybody a government check. That's now a "gift" from the rulers to the ruled - a gratuity - and hence, a purchased vote. Much better to just unshackle people from the economic limitations placed upon them and let them work, save, invest, and prosper. As they do so, the tax base will expand, and more funds will actually be available of a safety net - albeit a vast altered and reformed one - than ever has been before.
Nothing is going to startle us more when we pass through the veil to the other side than to realize how well we know our Father [in Heaven] and how familiar his face is to us

- President Ezra Taft Benson


I am so old that I can remember when most of the people promoting race hate were white.

- Thomas Sowell
_beastie
_Emeritus
Posts: 14216
Joined: Thu Nov 02, 2006 2:26 am

Re: Obamacare: Walked into my local bank branch today and...

Post by _beastie »

Droopy wrote:
The moral, as well as evidential, logic of this argument escapes me. Since the government earns no money and creates no wealth, and since all funds the state has at its disposal have been confiscated from the productive sector (the citizens) of the nation, why should I "pay back" that which has already been confiscated from me? In the first instance, it was never the state's money to begin with. The state transferred the property of others to me, but never actually "owned" it in the sense that the politicians and bureaucrats who held and then transferred it to me never earned, created, or generated it. How can I owe to someone that for which no relationship of ownership ever existed?


Why should I pay my taxes twice, especially since I've already paid back far beyond anything I ever used through my own labor? Why should I labor for the political class in this way, more than I already do, and not for myself, my wife, my children and grandchildren, and my Church?

Indeed, a very good argument can be made that, since the state never owned the funds transferred to me in the first place, and since that money that is transferred was actually owned by those who created it through their own productive activity, what the government should actually be doing is taking the money I used in food stamps, AFDC, WIC, and HUD housing subsidies and returning it to its rightful owners as substantial, across the board tax cuts - payroll and income.

That would actually be "paying back" the funds I and other welfare recipients used over the last 35 years back to its rightful owners and creators by allowing that money to come back to them as higher income. You see, Beastie, morally speaking, I don't owe the state anything for the resources I consumed in my few years on welfare. I owe my fellow citizens, and the best way to pay them back is to return that property to them by letting them keep more of their own money and use it to contribute to the productive processes of society. Instead of asking me to impoverish myself personally by transferring more of my own money to those to whom it does not belong and who did not generate it, far better, it would seem, to "pay back" those nameless citizens who helped me along by substantially lowering their tax burden and allowing much more of the fruits of their own labor to stay within the sphere of their own economic decisions and choices.

The other real nice thing about doing it this way is that the political class could not take credit for it, as would be the case if they wrote everybody a government check. That's now a "gift" from the rulers to the ruled - a gratuity - and hence, a purchased vote. Much better to just unshackle people from the economic limitations placed upon them and let them work, save, invest, and prosper. As they do so, the tax base will expand, and more funds will actually be available of a safety net - albeit a vast altered and reformed one - than ever has been before.


Then how do you justify calling other "thieves" for doing the same thing that you have done?
We hate to seem like we don’t trust every nut with a story, but there’s evidence we can point to, and dance while shouting taunting phrases.

Penn & Teller

http://www.mormonmesoamerica.com
_beastie
_Emeritus
Posts: 14216
Joined: Thu Nov 02, 2006 2:26 am

Re: Obamacare: Walked into my local bank branch today and...

Post by _beastie »

Droopy wrote:
However, a vast constituency of the welfare state has been created that did not exist before the last third of the 20th century, the intergenerational welfare underclass, which does not work, and will likely never work in the private economy. Secondly, a substantial portion of those who you claim need "assistance" on a temporary basis are actually on "assistance" for much of their working lives due to the reach of a number of welfare programs that reach well into the middle class. Thirdly, a critical mass of citizens now receive more in government benefits than they pay in taxes, creating a permanent constituency for larger and more expansive government (greater and ever greater "benefits") over time.


80% of welfare recipients receive aid for less than five years. Much as you did. How is 20% a "substantial portion"?

Further, Medicare is a welfare program, Beastie, as is Social Security. The sub-prime mortgage lending practices that initiated initial economic collapse was a welfare program, Beastie, and it reached well beyond the working poor and into the middle classes. The entire scheme was grounded in indemnifying American taxpayers and their children and children's children for any defaults that would occur in such a program. And they are. Then there is the truly astounding amount of corporate welfare, Beastie - the corporatism and rent seeking that is always a key aspect of a socialistic, interventionist state. All of that is "welfare" as surely as is TARP, the Obama stimulus, TANF or food stamps.


How about all the money we spend on the military? Is that a welfare program as well?


So what you are here saying is that now, after having paid back into the federal treasury through my own hard work far beyond what I ever used in benefits, I should, as someone who has never made more than $24,000 in my life, write personal checks to the federal government to feed a morally and economically indefensible monstrosity that has destroyed the inner city black family, helped bring the nation to the brink of financial ruin, created a raging entitlement mentality, slowed economic growth and job creation, and incentivized values, habits, mentalities, and cultural attributes that are incompatible and hostile to gainful employment, let alone something that could be called a career. You want me to pay more taxes to support this system rather than leaving it in my hands to support myself and my own family as I see fit?


I'm going to assume you meant you've never made more than 24,000 a year. If this is correct, I find it highly doubtful that you pay federal taxes at all.




The problem with all this is that you don't know what you're talking about, which makes rational debate, of course, impossible. A very large minority of welfare recipents do not use welfare as a "last ditch" but as their primary means of support. Long term unemployment benefits, then extended for ever longer terms, is one case in point, as is the state of our inner cities in which an entire culture predicated on lifelong permenant or partial welfare dependency has been genrated.


Again. Only 20% of welfare recipients are on it for longer than five years.
We hate to seem like we don’t trust every nut with a story, but there’s evidence we can point to, and dance while shouting taunting phrases.

Penn & Teller

http://www.mormonmesoamerica.com
_Gadianton
_Emeritus
Posts: 9947
Joined: Sat Jul 07, 2007 5:12 am

Re: Obamacare: Walked into my local bank branch today and...

Post by _Gadianton »

bcspace wrote:...and going with my Dad to testify before Congress and many state Congresses on these very issues


Next time congress votes itself a pay raise, I'll feel at least some sympathy for them.
Post Reply