lilranch2001
Super Member
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I do not know why people get so bent on "off topic" posts
How many conversations do you have every day that the topic wonders all over the place?
:confused2:
What is your "Debt Free Date"
- Thread starter twinjayhawks
- Start date
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I do not know why people get so bent on "off topic" posts
How many conversations do you have every day that the topic wonders all over the place?
:confused2:
EddieWalker
Epic Contributor
I was thinking of another post where the poster asked if a person was upset when the thread they started died. I think the reason some threads go on, and other die is that you can only say so much on one topic. Once that's done, the thread is dead. We ran out of debt free dates pretty quickly!!!!!
Eddie
Gale Hawkins
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At is a fact. :thumbsup:
two_bit_score
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Loren49
Platinum Member
Affordable Care Act: In a Nutshell | BHM Healthcare Solutions
Some of the central changes made by the legislation include:
Health insurers can no longer refuse or drop coverage based on patients medical histories or because of a pre-existing condition
Health insurers cannot charge different rates based on patients medical histories or gender
Establishing minimum standards for qualified health benefit plans
Young adults can remain covered under parents until age 26
Most employers must provide coverage for their workers or pay a surtax on the workers wage up to 8%
An expansion of Medicaid to include more low-income Americans by increasing Medicaid eligibility limits to 150% of the Federal Poverty Level and by covering adults without dependents as long as either or any segment doesn't fall under the narrow exceptions outlined by various clauses throughout the proposal
A subsidy to low- and middle-income Americans to help buy insurance
A central health insurance exchange where the public can compare policies and rates
Requiring most Americans to carry or obtain qualifying health insurance coverage or possibly face a surtax for non-compliance
A 5.4% surtax on individuals whose adjusted gross income exceeds $500,000 ($1 million for married couples filing joint returns)
Inclusion of language originally proposed in the Tax Equity for Domestic Partner and Health Plan Beneficiaries Act
I�nclusion of language originally proposed in the Indian Health Care Improvement Act Amendments of 2009
--------------------------------------------------------------
Also in effect is a limit on operating costs (15% to 20% depending on company size) for insurance companies. This is a significant change and effects cost to consumer.
And the most significant point is that the law's provision that will change the number of uninsured goes into effect in 2014. How can it be claimed that the law doesn't work when it has not had a chance. If it stands up in the Supreme Court we will be able to analyze how well it worked in about 5 years.
Also there is nothing in this law that prevents other cost cutting changes. If there is a clear way to make positive changes where are the proposed laws. Each party has had a chance when they controlled congress and the Presidency.
I believe some positive changes are being made though this compromise that works through "healthcare for profit" is not the direction to go. An expanded Medicare type program similar to all other industrialize countries is the way to go.
(we're probably not going to solve this one today)
Loren
Some of the central changes made by the legislation include:
Health insurers can no longer refuse or drop coverage based on patients medical histories or because of a pre-existing condition
Health insurers cannot charge different rates based on patients medical histories or gender
Establishing minimum standards for qualified health benefit plans
Young adults can remain covered under parents until age 26
Most employers must provide coverage for their workers or pay a surtax on the workers wage up to 8%
An expansion of Medicaid to include more low-income Americans by increasing Medicaid eligibility limits to 150% of the Federal Poverty Level and by covering adults without dependents as long as either or any segment doesn't fall under the narrow exceptions outlined by various clauses throughout the proposal
A subsidy to low- and middle-income Americans to help buy insurance
A central health insurance exchange where the public can compare policies and rates
Requiring most Americans to carry or obtain qualifying health insurance coverage or possibly face a surtax for non-compliance
A 5.4% surtax on individuals whose adjusted gross income exceeds $500,000 ($1 million for married couples filing joint returns)
Inclusion of language originally proposed in the Tax Equity for Domestic Partner and Health Plan Beneficiaries Act
I�nclusion of language originally proposed in the Indian Health Care Improvement Act Amendments of 2009
--------------------------------------------------------------
Also in effect is a limit on operating costs (15% to 20% depending on company size) for insurance companies. This is a significant change and effects cost to consumer.
And the most significant point is that the law's provision that will change the number of uninsured goes into effect in 2014. How can it be claimed that the law doesn't work when it has not had a chance. If it stands up in the Supreme Court we will be able to analyze how well it worked in about 5 years.
Also there is nothing in this law that prevents other cost cutting changes. If there is a clear way to make positive changes where are the proposed laws. Each party has had a chance when they controlled congress and the Presidency.
I believe some positive changes are being made though this compromise that works through "healthcare for profit" is not the direction to go. An expanded Medicare type program similar to all other industrialize countries is the way to go.
(we're probably not going to solve this one today)
Loren
Loren49
Platinum Member
EddieW- Social Security retirement is very efficient and needs small adjustments in funding and benefits to be in good shape. Investing funds collected for the "baby boomers" in treasury bonds was the most secure choice. It held income taxes down in past years -making believe we really had the money to spend at the Federal Level was the problem.
The biggest problem with Medicare is the huge amount we spend during the last 6 months of life. The numbers ane not sustainable.
The Cost of Dying: End-of-Life Care - CBS News
"Last year, Medicare paid $55 billion just for doctor and hospital bills during the last two months of patients' lives. That's more than the budget for the Department of Homeland Security, or the Department of Education. And it has been estimated that 20 to 30 percent of these medical expenses may have had no meaningful impact. Most of the bills are paid for by the federal government with few or no questions asked."
-------------------------------------------------
What would be the premium needed to buy coverage if it was priced in the free market and you can be denied for pre existing conditions? Everyone 65 and over is under a socialized medical program so any amount is a guess.
(probably not going to solve this today either)
Loren
The biggest problem with Medicare is the huge amount we spend during the last 6 months of life. The numbers ane not sustainable.
The Cost of Dying: End-of-Life Care - CBS News
"Last year, Medicare paid $55 billion just for doctor and hospital bills during the last two months of patients' lives. That's more than the budget for the Department of Homeland Security, or the Department of Education. And it has been estimated that 20 to 30 percent of these medical expenses may have had no meaningful impact. Most of the bills are paid for by the federal government with few or no questions asked."
-------------------------------------------------
What would be the premium needed to buy coverage if it was priced in the free market and you can be denied for pre existing conditions? Everyone 65 and over is under a socialized medical program so any amount is a guess.
(probably not going to solve this today either)
Loren
Fixed it for ya.
Near the end it's all about quality of life not quantity, Just sayin.
Loren49
Platinum Member
EddieW- most of welfare fraud is in the private sector (small business)
Eight Great Myths About Welfare
MYTH: Welfare recipients commit a lot of fraud, at the expense of American working people.
FACT: Besides the fact that a lot of welfare recipients are American working people, a study in Massachusetts showed that vendors committed 93% of welfare fraud. This aspect of the welfare system drastically needs reform: it is harming recipients as well as taxpayers. But all of the political attention is on limiting the amount of money going to recipients.
And although the fraud by welfare vendors is terrible, it is a drop in the bucket compared to the burdens on the American taxpayer of military fraud, government waste, and corporate welfare. The Savings and Loan bailout alone cost $132 billion.
-------------------------------------------------
80% are on assistance less than five years
------------------------------------------------
MYTH: People are poor because they are lazy.
The majority of people on welfare have been in and out of the work force, returning to the welfare rolls when they lost their job or disaster (illness, car accident, house fire) struck.
From Steve Kanga's research:
Time on AFDC Overview of Entitlement Programs, Committee on Ways and Means, U.S. House of Representatives (U.S. Government Printing Office, 1994)
Less than 7 months
19.0%
7 to 12 months
15.2
One to two years
19.3
Two to five years
26.9
Over five years
19.6
The largest single group "on welfare" is children -- about one in every four children under the age of 18 receives welfare benefits. America has the greatest level of child poverty anywhere in the industrialized world:
Percent of children below the poverty level (U.S. Bureau of the Census, Current Population Reports, P60-185)
1970 14.9%
1975 16.8%
1980 19.5%
1985 20.1%
1990 19.9%
1992 21.1%
The drop in the welfare rolls has corresponded with a rise in child poverty and child hunger. This is enforcing family values how?
-------------------------------------------------------
This data is from 10 years ago - so numbers are likely changed. One thing I feel could make a significant difference would be an incentive to work. Currently if a recipient makes any money it should be reported and the benefit is reduced dollar for dollar. They can't afford to take a low paying job because they lose benefits including health coverage. A program that lets the recipient keep a portion of the money they earn from a part time job might help them work their way to a decent full time position.
Changes that discourage the use of public money on anything other than necessities would be helpful.
Many recipients are either single mothers, mentally challenged, poorly educated, or people with medical issues and therefore are quite difficult to employ.
Loren
Eight Great Myths About Welfare
MYTH: Welfare recipients commit a lot of fraud, at the expense of American working people.
FACT: Besides the fact that a lot of welfare recipients are American working people, a study in Massachusetts showed that vendors committed 93% of welfare fraud. This aspect of the welfare system drastically needs reform: it is harming recipients as well as taxpayers. But all of the political attention is on limiting the amount of money going to recipients.
And although the fraud by welfare vendors is terrible, it is a drop in the bucket compared to the burdens on the American taxpayer of military fraud, government waste, and corporate welfare. The Savings and Loan bailout alone cost $132 billion.
-------------------------------------------------
80% are on assistance less than five years
------------------------------------------------
MYTH: People are poor because they are lazy.
The majority of people on welfare have been in and out of the work force, returning to the welfare rolls when they lost their job or disaster (illness, car accident, house fire) struck.
From Steve Kanga's research:
Time on AFDC Overview of Entitlement Programs, Committee on Ways and Means, U.S. House of Representatives (U.S. Government Printing Office, 1994)
Less than 7 months
19.0%
7 to 12 months
15.2
One to two years
19.3
Two to five years
26.9
Over five years
19.6
The largest single group "on welfare" is children -- about one in every four children under the age of 18 receives welfare benefits. America has the greatest level of child poverty anywhere in the industrialized world:
Percent of children below the poverty level (U.S. Bureau of the Census, Current Population Reports, P60-185)
1970 14.9%
1975 16.8%
1980 19.5%
1985 20.1%
1990 19.9%
1992 21.1%
The drop in the welfare rolls has corresponded with a rise in child poverty and child hunger. This is enforcing family values how?
-------------------------------------------------------
This data is from 10 years ago - so numbers are likely changed. One thing I feel could make a significant difference would be an incentive to work. Currently if a recipient makes any money it should be reported and the benefit is reduced dollar for dollar. They can't afford to take a low paying job because they lose benefits including health coverage. A program that lets the recipient keep a portion of the money they earn from a part time job might help them work their way to a decent full time position.
Changes that discourage the use of public money on anything other than necessities would be helpful.
Many recipients are either single mothers, mentally challenged, poorly educated, or people with medical issues and therefore are quite difficult to employ.
Loren
Loren49
Platinum Member
Gizmo2 - Can't argue with that. Just lost a good Friend, 60 years old, still working (30+ years same place) diagnosed mid December and life ended on Christmas. (Cancer SUCKS!)
Yesterday a 61 year old fellow town board member passed away. He was at the December board meeting, went to hospital about a week later, chose to refuse treatment as he had many medical issues. I feel he died with dignity.
Time to take a deep breath, try to treat each other well and enjoy what we have.
We're getting our first winter storm - not too bad yet but could get a couple feet of snow - staying home and watching it snow - might even get to "work?" with the tractor.
Loren
Yesterday a 61 year old fellow town board member passed away. He was at the December board meeting, went to hospital about a week later, chose to refuse treatment as he had many medical issues. I feel he died with dignity.
Time to take a deep breath, try to treat each other well and enjoy what we have.
We're getting our first winter storm - not too bad yet but could get a couple feet of snow - staying home and watching it snow - might even get to "work?" with the tractor.
Loren
cdaigle430
Veteran Member
Well,
I should be debt free by the time I retire so I may be far from debt free but at least if I make to age 60 I will never have to work or worry about money after that because of several pensions, even my 401k us just supplemental money. My medical and dental will also be 100% paid for
So, I may be in debt now but I'm better off than most of you who are debt free. My debt is there for a reason-to prep for my future after age 55...Other than my mortgage and I should be debt free in 8 years
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