patrick.net

I bought two cars last year, and the dealer sends me emails every day begging me to buy another. They must be desperate.

I for one will be waiting as long as possible before upgrading my 2007 KIA Spectra. Two technologies are delaying purchase:

(1) Self-drive

(2) Fuel cells

I want both.

CaptainShuddup says

I bought two cars last year, and the dealer sends me emails every day begging me to buy another. They must be desperate.

It's how the scumbags make their living.

Call it Crazy says

Straw Man says

The average price of new car is what - $30K? This means throwing away $3K in sales tax alone.

Whoa... You have a 10% sales tax??? I'd move....

Yep. And a 10% state income tax.

I'd move....

I would too. But the weather, man, THE WEATHER!!!

None of them mentioned that they were there for "free" care. There are always co-pays, deductibles, etc. The story mentioned that a woman with cardiac pain balked because she might be responsible for a $3,000 hospital charge. Hell, I've seen $20,000 charges for overnight visits.

If she truly experienced chest pain, she'd have stayed. And if she has a heart attack she'll be back. Then she won't care about the out of pocket cost.

There's always medical bankruptcy. She should look on the bright side

Ellie's right we all just shit money while we walk that cheap bitch!

Undoing Obamacare will be the only sensible solution, may Obama go to hell in the pages of the History books as the great President we want to forget.

There really is no other choice. It's a fucking healthcare system that was framed and sold as "Affordable" and there is not anything remotely affordable about it. Unless you pose a hypothetical question about the alternative of not having insurance. Debt is debt buddy, the Voters will be smart enough to figure that out.

Hey If I'm paying out rageous premiums and every complaint about high the premiums are, under a system called "The Affordable something or another ACT" (Yes it's all just an act!)
And when people complain about high premiums, the biggest Champions who probably are being crushed by premiums them selves and know it, all chime in defending it telling us we're lucky it's not more. BULLSHIT!!

Between that 16K a year, and what I would need to pay out of pocket anyway.

Say I need a 30K operation. I would have to come up with 10K anyway. Plus I already spent 16K on premiums, so that's 26K. What's another 4K out of pocket? I'll just pay the damn thing, and forgo having to shell out 16K the next year and the year after that. Especially young and even older healthy people don't see any value in this healthcare fiasco tragedy at all.

The Healthcare system needs to be a healthcare system not a profit center that greedy, and politically alined loyal constituents defend to tooth and nail.

The lady having a heart attack wanted free healthcare when She's already shelling thousands a moth, shame on you Elliemae, you should know better.

bgamall4,

I'm waiting for you to post a thread about the planes not being able fly as fast as they did at sea level on 9/11.

That will get them started.

CaptainShuddup says

The lady having a heart attack wanted free healthcare when She's already shelling thousands a moth, shame on you Elliemae, you should know better.

Well, my stoned acquaintance, she hasn't paid anything yet. And she arrived a the ER presenting with chest pain, but chose not to be treated due to the possibility that she might be responsible for out-of-pocket costs.

TPB, I know you hate the affordable healthcare act. You've said it before. You've also made no secret of the fact that you hate Obama.

But this story has nothing to do with either of those.

Last year, January, I worked with a guy who needed to fill his prescriptions but hadn't received his new prescription card yet. He was frustrated - as well he should have been - and chose to pay out of pocket. His new insurance reimbursed him for the cost. At my work, we have changed health plans every year because they find a way to save a little on their part. Every January we do this dance.

The woman in the story chose not to be treated rather than to risk having to pay out of pocket for her care. That's a choice that millions of Americans have had to make year after year prior to the affordable healthcare act.

However, if she is indeed covered, and if she's admitted, she will pay an out-of-pocket amount that is different than the billed charges. That $3,000 quoted as a possibility was simply that - and that she chose to walk out was either a smart fiscal move or a really stupid way to fuck up her health even more.

One thing is for sure - this has nothing to do with the affordable healthcare act.

CaptainShuddup says

Especially young and even older healthy people don't see any value in this healthcare fiasco tragedy at all.

You say that because you have had access to healthcare all along.

I had insurance for only 1 year in my life and that was last year, it cleared my savings account out. Say what you want, but Obamacare is that insurance system. The insurance being offered at that same company today is the same BCBS Florida Blue plan as it was for 2012.

I dropped it March of last year, and never plan on purchasing anything like it ever again. It was the dumbest most pointless thing I've ever paid for in my life. I only had to buy it because the Clinic that said they would perform medical treatment at a set price, then reneged and told me I needed insurance. Because they are owned by Memorial Regional Hospital and are considered a wing of the Hospital. There was a long fucking line of Hospital executives, Doctors, Nurses, and lab techs that wanted my dollars, and I'll be damned if they were going to let some pissant doctor single handedly treat my wife for a mere Seven grand and send us off Scott free of daily/weekly and 3 month latter mystery bills that we must pay or lose our credit rating.

I'll bet anything they ran our Fucking credit, after we set the procedure up and about swallowed their butt plug when they realized what Whale they had on the hook.

edvard2 says

foxmannumber1 says

All the people who wrote the constitution did so with the understanding that the USA was created by Whites for the benefit of Whites only. US citizens before the 1960's believed this fact. To try to change this made you a traitor.

The constitution is a written document with guaranteed rights which are spelled out very clearly. There is nowhere in that document that claims any intent from its authors. As such, your argument is not an argument, but rather an assertion based on personal opinion instead of facts, and hence the remainder of your commentary is nonsense.

neither of you are right.

the constitutions were written for Slave Owning Anglo-Saxon Males (not women).

how could "all men be created equal" when Blacks and the Irish were still slaves at the time?

http://www.globalresearch.ca/the-irish-slave-trade-the-forgotten-white-slaves/31076

elliemae says

The x-ray's cost, she was told, would likely be more than $500."

There's your problem - compared to these markups rents in San Francisco are a once-in-a-lifetime bargain.

Is it bad to waste a solid discharge ? Or better to wait for intestinal difficulties to properly gift Mr. Moynihan?

One of Obama's BIG THREE contributors. One of Romney's BIG THREE too.

Get the picture ? Pull either lever, chump. It's all Politburo for the rich now.

"I think the first thing that we have to do is recognize that we don't have a two party system. I sort of kid about this by saying that we have a one party system, and someday I'm hoping for a second party!"

Ron Paul

mell says

elliemae says

The x-ray's cost, she was told, would likely be more than $500."

There's your problem - compared to these markups rents in San Francisco are a once-in-a-lifetime bargain.

And everybody... ha ha ha Will... he he he PAY!!!! ha ha ha
Their fair share.

Of course fair being what the insurance companies say.

How's that Facebook profile coming Obama?

He's really a professional Facebook personality, he has no idea how in the fuck to lead a country.

Call it Crazy says

...."'The people in there told me that since I didn't have an insurance card, I would be billed for the whole cost of the x-ray,' Galvez said, her young daughter in tow. 'It's not fair – you know, I signed up last week like I was supposed to."

Galvez said she enrolled in a Carefirst Blue Cross bronze plan at a cost of about $450 per month through healthcare.gov, three days before Christmas.

'No one has sent me a bill,' she said.

Hmmm, She "signed up" for a bronze plan, and even if she had an insurance card, didn't realize that she would have a co-pay and deductible payments when treated?? Plus, did she send in the first month premium payment?? If not, she doesn't have insurance....

Three days before Christmas she signed up. That's 7 working days through today - probably not enough to generate a bill. Her insurance might be in force but she doesn't have a card at this time.

Sure - it has something to do with the provider she chose under the affordable care act. However, it would be the same thing if it were a private provider she chose on her own. There wasn't enough time to generate a bill. And if she hasn't paid, she still will be covered if she makes payment in a timely manner.

My point is that this is the exact same situation as if the act hadn't kicked in to make healthcare available. The hospital will bill the patient and if she isn't insured, she will be responsible for the cost out of pocket. If she is insured, it will be at a lower rate negotiated by her health insurer.

Speaking as a person with 25 years of experience in the system, this situation really isn't different than years past. But now everyone can blame Obama. If the woman was truly showing the signs of a cardiac event, she would have been admitted regardless of the insurance issue.

No, the act isn't ideal. However, this is a piss poor example of how the affordable healthcare act is succeeding or failing. Look at it this way: If your auto insurance check was received but not posted, the insurer might not be able to verify benefits if you're in a wreck. Once the check is posted, that's another story.

I'm sure that there will be much better examples of the failures of the private insurers under the healthcare act. This article isn't one of them.

Everyone, unless they're wealthy beyond belief or a lawmaker who has the opportunity to access the top tier plan, has co-payments and deductibles. If this woman didn't know that, the article doesn't mention it. It alludes to it but we can't know.

Every healthcare provider will charge a full amount unless they are presented with proof of insurance. This is a non-story. But haters will hate.

CaptainShuddup says

I dropped it March of last year, and never plan on purchasing anything like it ever again. It was the dumbest most pointless thing I've ever paid for in my life. I only had to buy it because the Clinic that said they would perform medical treatment at a set price, then reneged and told me I needed insurance.

Tpb's experience is typical of the healthcare industry. Does it suck? Hell ya? But the machine is powerful and until we have socialized medicine we're all fucked.

If I was experiencing chest pain to the point that I went to the ER, I would be treated. I doubt it was that serious for her, although it might have been later.

Again, this isn't a failure of the ACA. It's a failure of the system, which is two different things.

It's all Bush's fault. It will take at least a century of Democratic rule to reverse the damage of the Bush administration, before progress can even begin.

Call it Crazy says

11 Nasty Trends That Will Test America's Resilience

#12 - Two Girls, One Cup

Ceffer says

It's all Bush's fault. It will take at least a century of Democratic rule to reverse the damage of the Bush administration, before progress can even begin.

Agreed with the caveat that Obama does not count as a democrat for this purpose.

APOCALYPSEFUCKisShostikovitch says

This all looks great. Flipping houses and stocks can net you a bundle, which is what America is all about. Done.

You forgot the powerful input of bullion speculation. Add that to real estate, and you can join the 1 percent rent takers tout de suite.

Ceffer says

You forgot the powerful input of bullion speculation. Add that to real estate, and you can join the 1 percent rent takers tout de suite.

The key is to not listen to those foolish mathematicians who say it's impossible for everybody to be in the top 1%. Nothing is impossible!

elliemae says

Again, this isn't a failure of the ACA. It's a failure of the system, which is two different things.

Again this isn't the failure of the Affordable Healthcare Act...

See that statement sounds utterly ridiculous when you spell out ACA doesn't it?

Ellie we'll never get to Socialized medicine or anything remotely like it, as long as there are no shortage of people willing to support, based solely on the fact that they have to support it. Or otherwise they will realize that everything that believed in for the last five years and all of the energy they wasted on arguing with the TPB's of the world. Would be totally pointless.

Another reason we'll never have socialized medicine in this country is because of the thousands of definitions of what "Socialized medicine" even is.

I would say that right now there are an equal amount of Liberals and Conservatives that would call Obamacare "Socialized Medicine".

We need to first define "Socialized Medicine" in a civil discussion then work from there.

With out calling people names, who were more in tune to the facts about what Obamacare was going to be, more than the Obamacare supporters were.

I'm sure we all have the same goals. It's just many have replaced the objective of the goal with a single political figure that they must defend at all cost, while claiming it is the Healthcare he created that they are defending.

Had this been a scheme that the insurance companies cooked up on their own, and lobbied Congress to pass it. There would be blood in the streets. You know it, I know it, we all know it.

Long live the King!

Uncle Sam is a sucker. Every dollar he borrowed is worth ~$0.04.
It's been a while but still such pretty numbers on the debt clock.

Our creditors have been lending us money at negative real rates of interest.

Who's the sucker?

Unfunded Liabilities,Don't spoil it for me. I want to watch the whole movie to see how it ends.
Can't wait to find out who doesn't get a check & hear the final line: "What happened?"

Call it Crazy says

On the other end, for one decade and counting, the "top priority" for the US public was and continues to be "the economy", stupid.

Green Jobs anyone !

Yeah, whatever happened drinking, smoking, fucking, sports and driving a big ole wallowing, gas guzzling SUV?

The US is that bad at prioritization?

"I spent nearly all of my money on women, booze and fast cars, the rest I wasted!"

According to this you should just go ahead and move to Fresno:
http://america.aljazeera.com/articles/2014/1/3/fresno-ranks-highlylivableforyoungpeople.html

Call it Crazy says

I am convinced that Californians enjoy having a sordid affair with real estate.

Certainly true. Many are not familiar with California so dont expect them to
pick up on Mountain Biking, Surfing, Hunting/Fishing or Camping. So they over spend any savings on upgrades to their 'live in investment".

Pretty sad life to live....

Robert Sproul says

According to this you should just go ahead and move to Fresno

So why did Santa Clara County become the hot bed of Tech boom ?

Cheap land ? so what happens when prices sky rocket ?

"we sound an alarm"... i know... it doesnt sound well for Bostonians and

Yorkers who moved here..

http://www.sfgate.com/business/ontherecord/article/ON-THE-RECORD-CARL-GUARDINO-2574540.php#ixzz1v6EFUJaI

"Hewlett-Packard and Dell are the top two computer-makers in the world. Corporate headquarters for HP are located in Palo Alto and Dell is in Round Rock, Texas. Obviously, they both have people and facilities around the globe.

In those two communities where their corporate headquarters are and where a lot of research and development takes place, the median resale price for a home in Palo Alto is about $1.6 million. In Round Rock, Texas, it's about $180,000, except the home and property are bigger.

We hear from HP all the time that a huge deterrent to the ability to recruit and retain people anywhere near Silicon Valley is the housing issue. We don't hear that from Dell, which is also a member company, about their operations in Round Rock.

It does continue to plague us and we will continue to sound the alarm."

from the Article...

Needless to say, you got what you voted for.. dismal 8 years, worst ever.

"A Wide Economic Growth Gap

The Obama recovery is the most feeble since the Great Depression. GDP growth is far below the average recovery since World War II, and even below the average growth of the past three recoveries.

In dollar terms, if Obama's recovery had been merely average, the economy would be $1.3 trillion — or 8% — bigger today than it is.

Put another way, every American alive today — workers, non-workers, children — is $4,100 less well off than he or she would have been if growth had only been normal. Consider it a tax we all pay for voting poorly in recent elections."

Call it Crazy says

It is fairly well accepted that mortgage rates will only move in one direction from this point forward. So why would anyone lock into an artificially low rate via an ARM that is set to adjust in a short time frame?

Why get a 30 year fixed if you plan on moving in 5 or 6 years. An ARM that is fixed for the first 5 years makes perfect sense.
Most developed countries like UK don't even have 30 year fixed mortgages. They are perfectly happy with ARM's.

thomaswong.1986 says

"Hewlett-Packard and Dell are the top two computer-makers in the world. Corporate headquarters for HP are located in Palo Alto and Dell is in Round Rock, Texas. Obviously, they both have people and facilities around the globe.

In those two communities where their corporate headquarters are and where a lot of research and development takes place, the median resale price for a home in Palo Alto is about $1.6 million. In Round Rock, Texas, it's about $180,000, except the home and property are bigger.

We hear from HP all the time that a huge deterrent to the ability to recruit and retain people anywhere near Silicon Valley is the housing issue. We don't hear that from Dell, which is also a member company, about their operations in Round Rock.

It does continue to plague us and we will continue to sound the alarm."

So why would Apple build this in Cupertino?
http://www.mercurynews.com/business/ci_24559188/apples-new-headquarters-gains-approval-cupertino-city-council

Strategist says

So why would Apple build this in Cupertino?

http://www.mercurynews.com/business/ci_24559188/apples-new-headquarters-gains-approval-cupertino-city-council

As everyone (Tech old timers) would say, when your building that audacious global world headquarters in SV, the end is surely near.

Seems to have been the trend for the past several decades, without exception.

My take ? EGO, the true legacy of Apple Computers and the One called Steven Jobs ! And yes, there are lots of former Apple employees what would agree with that.

APOCALYPSEFUCKisShostikovitch says

Hard to believe there is so little concern for tit-fucking Christina Hendricks.

Careful now, those things are a clear suffocation hazard.

thomaswong.1986 says

My take ? EGO, the true legacy of Apple Computers and the One called Steven Jobs ! And yes, there are lots of former Apple employees what would agree with that.

I'm sure he had a big ego, but you gotta admit Steve Jobs is probably the greatest entrepreneur that ever lived. I have faith in his decisions.

Is there a reason why 2005, 2006, 2007, 2009, 2011, 2012 are missing from that chart? Looks fishy.

Strategist says

I'm sure he had a big ego, but you gotta admit Steve Jobs is probably the greatest entrepreneur that ever lived. I have faith in his decisions.

na! no where near these guys... these guys made it all happen...

Jobs was a speck of dust...

Call it Crazy says

Election years...

2012?

Call it Crazy says

Strategist says

Why get a 30 year fixed if you plan on moving in 5 or 6 years. An ARM that is fixed for the first 5 years makes perfect sense.

You're STILL not paying attention... ARM's just recently ramped up, why??

If what your saying is correct, ARM's would pretty much stay the same YoY, as a portion of the population would get them for your reason.

But, ARM applications have tripled recently. Either a hell of a lot more people are looking to flip houses, or as the OP states, people can't a afford a conv. 30 year at today's rates and prices....

So, which is it??

I would imagine the spike in ARM's applications would occur every time interest rates jump. Buyers would have sticker shock and start raionalizing.......hey, I don't plan on living there for ever, why not save some money?
I'm sure there are some who fall in love with a home, and when interest go up to a level they can't really afford, they take ARM's because they are not willing to give up their love.
That and lots of other reasons.

thomaswong.1986 says

Mountain Biking, Surfing, Hunting/Fishing or Camping

Little games are for little boys; I've find out there are other joys