Discussion Topic |
|
This thread has been locked |
Reilly
Mountain climber
The Other Monrovia- CA
|
|
a study at Harvard showed that 62% of bankruptcies were due to medical expenses.
If that is true it rather quaintly begs the question
"why the hell are you buying a house if you don't have medical insurance?"
It shows that stoopid Americans value a place to put their big screen TV
more than their physical AND financial health. Also, a LOT of those that
lost houses had no clue what ARM meant in their mortgage. If you have
the financial education level of a fifth grader
WHY THE HELL ARE YOU BUYING A HOUSE?
|
|
healyje
Trad climber
Portland, Oregon
|
|
We need to be respected around the globe and make deals from a place of strength.
It was EXACTLY this kind of dickless, draft dodger, chickhawk bullshit that got us eyeball deep in the Mideast for the foreseeable future and basically invested six trillion dollars into strengthening China and Iran who, along with Russia more recently, have been the main beneficiaries of that investment in stupidity.
Stupid politicians leave us and our great friends in Israel less safe.
Stupid politicians don't lean on our 51st state to resolve the Israeli/Palestinian conflict at the cost of trillions of our dollars and thousands of our lives. We fork over three billion a year in subsidies which basically pays for the settlement and apartheid programs and get flipped the bird at every turn to boot along with zero cooperation - f*#k the Israelis.
|
|
the Fet
climber
Tu-Tok-A-Nu-La
|
|
It's telling Reilly that you go straight to the problem must be stupid people are buying luxury items instead of being responsible.
A quick look at the study shows: "If an illness is long enough and expensive enough, private insurance offers very little protection against medical bankruptcy, and that's the major finding in our study." and "They concluded that 62.1 percent of the bankruptcies were medically related because the individuals either had more than $5,000 (or 10 percent of their pretax income) in medical bills, mortgaged their home to pay for medical bills, or lost significant income due to an illness. On average, medically bankrupt families had $17,943 in out-of-pocket expenses, including $26,971 for those who lacked insurance and $17,749 who had insurance at some point.
Overall, three-quarters of the people with a medically-related bankruptcy had health insurance, they say."
I would guess that Obamacare would help the issue since people with preexisting conditions can now get insurance, and people get subsidies to help them afford insurance if they become unemployed.
|
|
Winemaker
Sport climber
Yakima, WA
|
|
@Reilly
"why the hell are you buying a house if you don't have medical insurance?"
What does one have to do with the other? There is no mention in my post that home owners are more likely to declare bankruptcy than non-homeowners. I am talking about bankruptcy, not losing a house; you can live in an apartment and go bankrupt.
Bankruptcy is totally different than defaulting on a mortgage. Catastrophic medical expenses, whether from lack of medical insurance, poor medical insurance, exceeding (before Obamacare) a lifetime medical limit because of treatment, and in fact the inability to even get medical insurance because of a pre-existing condition (again, pre-Obamacare), lose of employment because of illness, etc, are all reasons for medical bankruptcy.
In case you don't know, people have sold everything they have, including their homes, to pay for medical treatment and this, unfortunately, includes older retired persons. It's pathetic that in our rich country people are exposed to these terrible financial situations and choices because of illness. Pretty much everybody else in the developed world knows this. Break your leg in New Zealand and you won't even see a bill. The medical situation in this country is despicable. We pay more than twice as much per capita for medical care as any other country, without a better outcome. Our drug prices are ridiculous; $1000/pill for a hepatitis cure while the rest of the world is paying $10? No negotiation by Medicare to get bulk drug pricing? Real nice.
The guy that owns the winery where I work is pretty much an eastern Washington redneck Tea Party guy who thinks there are too many moochers, but when it came time for a quadruple bypass and treatment for congestive heart failure the only thing he complained about was that he had to pay $600 for some drugs. HE'S not a moocher when he uses Medicare, but in that weird Republican mindset, he has gotten his and the rest of us be damned.
|
|
Happiegrrrl2
Trad climber
|
|
buying too much house isn't the main reason for personal bankruptcy
I have heard that - I believe on NPR a few weeks ago. My point wasn't about home ownership itself. It was that when the housing market crashed and people who had fallen for the subprime scam were losing their homes and/or going bankrupt trying to hold onto them, many people on THIS website railed on at how stupid the people were, thinking they could DARE afford the house. And I feel like it is THOSE people who would view Trump's tendency toward bankruptcy as a cash flow management tool to be acceptable.
I apologize if my writing wasn't clear.
Pud - As above, the information about personal bankruptcy wasn't a part of my post, and had no relevance to the point I was making.
"why the hell are you buying a house if you don't have medical insurance?"
OMG - Do you people have any reading comprehension and analytical skills whatsoever?????
How do you make the assumption that "people who went bankrupt due to medical costs also had a mortgage?
And, have you forgotten that part of the problem in our insurance system was that the insurers were taking the premiums and then refusing to pay out? THAT was what was causing people to be pushed into bankruptcy.
|
|
zBrown
Ice climber
|
|
Speaking of ball-cupppng
Chupar Trump
|
|
Brokedownclimber
Trad climber
Douglas, WY
|
|
There's another very common cause of bankruptcy: Divorce.
As one of my lawyer-climbing partners explained it, that a marriage is a gold mine. When divorce comes along the wife usually gets all the gold, and the husband gets the shaft... Hence, the male partner usually does bankruptcy about the house, the cars, etc.
|
|
Craig Fry
Trad climber
So Cal.
|
|
SPRINGTIME FOR PUNDITS
March 9, 2016
http://www.anncoulter.com/columns/2016-03-09.html
If you're into self-dramatization, Donald Trump’s candidacy is perfect for you.
Half of the Washington political class is vowing to vote for Hillary -- even Stalin! -- over Trump; psychologists (and massage therapists) report they are treating patients for "Trump anxiety"; lengthy thought-pieces on Trump have no room to mention his signature issue, immigration, but get prolix on George Wallace, Mussolini and Hitler. (Never Mao, Stalin or Lenin, curiously.)
You're going to have to act quickly if you hope to be among the first 200 princesses to feel the pea under 15 layers of mattresses.
To save you time, I will provide the prototype. Do not be surprised if the following turns up, word for word, under the byline of David Brooks, Stephen Hayes, Cokie Roberts, every single writer for Salon, Gawker, National Review, Commentary and The Huffington Post. And then, of course, Fareed Zakaria will steal it.
Watching the candidacy of Donald Trump, I am continually struck by his resemblance to a man who came to power in a far-off land nearly 85 years ago, a historical epic that I had naively hoped was well buried in the past.
Consider the following:
-- Adolf Hitler held gigantic rallies, where he inspired millions with rousing speeches. Donald Trump holds gigantic rallies, where he inspires millions with rousing speeches.
-- Adolf Hitler talked about making his country great again. Donald Trump talks about making his country great again.
-- Adolf Hitler promised military victories. Donald Trump promises military victories.
-- Adolf Hitler had a loyal and overweight henchman, Hermann Goering. Donald Trump has a loyal and overweight henchman, Chris Christie.
-- Adolf Hitler blamed a specific group of immigrants for all the nation's problems (Ed: Jews weren't immigrants -- Close enough!). Donald Trump blames a specific group of immigrants for all the nation's problems.
-- Adolf Hitler vowed to build a wall (Ed: Wait a minute -- when did Hitler talk about a wall? Shhhh! Nevermind!) Donald Trump vows to build a wall.
-- Adolf Hitler was a teetotaler. Donald Trump is a teetotaler.
-- Adolf Hitler had a hobby that he enjoyed very much (painting). Donald Trump has a hobby that he enjoys very much (golf).
-- Adolf Hitler had an opulent home in the city as well as a country home, "The Berghof" in Berchtesgaden. Donald Trump has an opulent home in the city as well as a country home, "Mar-a-Lago" in Palm Beach.
-- Adolf Hitler was involved with a woman from Central Europe, Eva Braun. Donald Trump is married to a woman from Central Europe, Melania Knauss.
-- Adolf Hitler had a pact with the Soviet Union from 1939 to 1941; Donald Trump said nice things about Russian president Vladimir Putin.
-- Adolf Hitler required all non-Jewish, German civilians to greet one another with a rigid right-arm salute, while exclaiming "Heil!" or "Heil Hitler!" Donald Trump has asked audiences to promise to vote for him by raising their hands, which is the PRECISELY same thing.
-- Adolf Hitler was a vegetarian; Donald Trump has never smoked.
-- Adolf Hitler forcibly annexed Czechoslovakia. Donald Trump tried to merge two casinos in Atlantic City.
-- Adolf Hitler invested hundreds of millions of dollars on German aviation to upgrade the Luftwaffe. Donald Trump has invested hundreds of millions of dollars in private jets.
-- Adolf Hitler never had any children, but if he had, they would probably have been blond. Both of Donald Trump's daughters are blond.
-- Adolf Hitler's favorite food was liver dumplings, a dish very similar to meatloaf. (Ed.: They're not remotely similar. No one knows that.) Donald Trump's favorite food is meatloaf.
-- Adolf Hitler had light hair and a moustache. Donald Trump has light hair and a moustache. (This has not been definitively established, but some who knew Trump in the 1970s recall that he had a moustache, albeit a fuller, longer one.)
-- One of Adolf Hitler's idols was World War I fighter pilot Manfred von Richthofen, also known as "the Red Baron." Donald Trump's son is named Barron. (It's spelled differently, but sounds the same.)
-- Adolf Hitler liked Eva Braun because she was very attractive; Donald Trump's wife, Melania, is very attractive.
-- Adolf Hitler vowed to exterminate entire races; Donald Trump has vowed to exterminate ALL Mexicans and Central Americans. (Mr. Trump has yet to call for this, but if he had, it would be an amazing parallel and speak very ill of his character.)
-- One of Adolf Hitler's favorite desserts, not his No. 1 favorite, but one he enjoyed several times a year, was chocolate ice cream. Donald Trump has talked about formerly liking Oreos. (Recently, he vowed never to eat Oreos again because Nabisco moved its factories to Mexico. This does not negate his previous position on the cookie.)
-- Adolf Hitler was known for erecting concentration camps – surrounded by walls to keep people out, particularly Mexicans. (Ed: That's not true.) Donald Trump wants to build a wall.
-- Allowing Adolf Hitler to come to power was a horrible mistake for an entire nation; allowing Donald Trump to come to power will be a horrible mistake for an entire nation.
In conclusion, [dramatic music plays] I have covered American politics for 30 years. For the first time in my life I am afraid for my country. Very afraid. Very, very afraid. Very, very, very afraid.
COPYRIGHT 2016 ANN COULTER
|
|
Craig Fry
Trad climber
So Cal.
|
|
And the same Anne Coulter from a couple weeks ago!
Ann Coulter: God Raised Up Trump To Save Us From 1,000 Years Of Darkness
Submitted by Brian Tashman on Wednesday, 1/13/2016 1:45 pm
on “The Eric Metaxas Show,” Ann Coulter repeated her claim that God is using Donald Trump to save the U.S. — and all of civilization — from destruction. Coulter started off the interview by defending herself from charges that she’s “divisive,” noting that Jesus Christ was divisive as well. “Yeah, I’m ‘divisive’ because I say things I believe, generally, so does Jesus, and liberals yell at me, that makes me ‘divisive.’ It’s the hecklers’ veto,” she said. She went on to liken the media’s treatment of her to how it covers Donald Trump, whom she believes will save the U.S. and, therefore, the whole world. “We are talking about the future of not only of America but of the last genuinely Christian country on earth and thus the world,” she said. “If we lose America, it is lights out for the entire world for a thousand years.”
Coulter explained that God has a role in lifting up Trump’s candidacy: “It is like the fall of Rome but, thank God, and I am not using the Lord’s name in vain, I mean that absolutely literally, thank God for raising up Donald Trump and giving us a chance to save the country.”
- See more at: http://www.rightwingwatch.org/content/ann-coulter-god-raised-trump-save-us-1000-years-darkness#sthash.OzR9pPPt.dpuf
This is the GOP of today
|
|
Fritz
Trad climber
Choss Creek, ID
|
|
Craig Fry! OMG!
I really appreciate you hate "The Donald", but even in my wurst (sic)nightmares: I never dreamed you would quote Ann Coulter at length, unless you were about to rip on her for being the nastiest, lying, conservative, crazed, Republican bitch, that gets published.
Interesting to see her comparing Trump with Hitler, since I always thought of her as a closet Hitler fan.
|
|
Craig Fry
Trad climber
So Cal.
|
|
I wasn't finished
put 2 and 2 together
It's just too crazy for words
She loved her Hitler in January, she claims then that God has saved us with The Donald
I guess something soured between them, maybe he dissed her looks
I don't hate The Donald, I just can't see why anyone would vote for him to be POTUS
|
|
Gary
Social climber
Where in the hell is Major Kong?
|
|
This brings me to Miss Coulter's teen tramp wardrobe. Miss Coulter showed up to the Today show this week wearing a black cocktail dress three sizes too small. At seven in the morning, mind you. No woman in New York wears a little black dress that early in the day unless she is burying someone dead, or looks like someone dead, as she makes a Whore of Babylon predawn retreat from the previous night's licentious debauchery. This may account for why Matt Lauer told me that the poor thing smelled like an ashtray.
But it wasn't the color of the dress that was so telling. No, it was the "Look! I got myself one of those Brazilian waxes!" length that spoke more to a Jackie Stallone determination to hang on to youth with knuckles no longer white but bleeding. Indeed, it seems that Miss Coulter's whole sense of self comes from thinking she is a "hot young babe" who drives, presumably myopic, men wild with a sexual desire so ardent they no longer hear the nonsense she is saying. Goodness me, who would have ever guessed that the Achilles heel for most Republican men would be the sight of pre-operative transsexuals in dresses made for someone 20 years younger? http://www.bettybowers.com/coulter.html
|
|
Craig Fry
Trad climber
So Cal.
|
|
Please tell us more about this liberal assault on America
Should we worry about it or the Nazi you now fear that will take over your party?
Which is worse Anne?
|
|
couchmaster
climber
|
|
Poor reading skills again Craig. Satire is the word for what she pitched out there. She's ripping the establishment political class. Shall I talk slower? It's not Onion funny, in fact not funny at all I'd say, but really dude, buy a clue. She's making a point.
|
|
Craig Fry
Trad climber
So Cal.
|
|
Yes
please talk slower
do I care what she is selling other than GOP BS?
|
|
couchmaster
climber
|
|
READ ...THE ...WHOLE ...THING ...AGAIN!! ESPECIALLY... THE ...START ...OF ...IT....Shes saying that the political class and establishment types will soon be saying what you posted about Trump.
GOOD LUCK.....
|
|
Craig Fry
Trad climber
So Cal.
|
|
Are You saying that she is a willing partner of the Nazi Party along with The Donald?
And all these things that Hitler did were awesome.
Bring em on... drill baby drill...
stupid political class, what do they know?
|
|
Fritz
Trad climber
Choss Creek, ID
|
|
Craig! Sorry to jump to conclusions on your first Ann Colter post!
Thank you for ripping on that Nazi-bitch.
|
|
Craig Fry
Trad climber
So Cal.
|
|
I didn't post anything about Trump in association to Anne
I posted what Anne Coulter posts about Trump
word for word
I'm just reading what she has to say,
everyone will have a different opinion on what her words mean
|
|
pyro
Big Wall climber
Calabasas
|
|
+1 jim
|
|
|
SuperTopo on the Web
|
Let us know!