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elliemae saysI really want some of what you're smoking.How would those poor private health insurance companies compete with the public plan? That would be horrible. As it is, the execs of those poor private companies are barely eeking by:Once the dust settles and there is still no OBAMA Health Care Plan…. Homeless Man: How is ellimae going to be able to afford Health Coverage with her $35-$75K salary? drfelle: It looks like she might have to downgrade to Basic Cable. Homeless Man: Oh no, that’s horrible! drfelle: yeah, and she might have to rid herself of a huge car payment. Homeless Man: Does that mean she’ll have to walk like me? drfelle: No, elliemae has more than one vehicle. Homeless Man: Why does she need more than one vehicle? drfelle: It’s a long story. She, and many others that can’t afford Health Coverage have a spending problem. Homeless Man: Why doesn’t she learn to save? drfelle: She feels entitled to steal from the most successful (wealthy) citizens. She doesn’t need to save. Homeless Man: But haven’t the successful citizens earned their money through hard work? drfelle: Yes, but people like elliemae are Prideful, and can’t stand the success of others. Homeless Man: Isn’t being Prideful a sin. drfelle: yes. Homeless Man: Wait, if elliemae is entitled to the money of people who are wealthier than her, then I must be entitled to her money!!!! drfelle: sigh! Wealth IS relative!
But haven’t the successful citizens earned their money through hard work?Of course. The hardest workers are always the ones who enjoy the most wealth. Wealth is rarely if ever accumulated through exploitation, fraud, larceny, nepotism or luck.
Are the populations of these countries wandering the streets dying of disease. No.Umm, wow....Where did that fact come from. I would argue that in every country there are going to be people are wondering the streets dying of diseases because almost every one will get one at one point or another. I would feal that by being in the US will currently get me faster and better treatment then what I would get in one of the countries with nationalized healthcare plan in place. The US system needs to be fixed, but I do not think handing it over to the government is the solution. d3 - aka knightparzival
d3 saysJust because I don't let the government run healthcare, does not imply that we have to keep things the way they are. I would be fine with the government helping to subsidize the cost or preventative care and emergency treatments for those who are not able to afford commercial coverage. I however do not think they should run the system. Politicians are not the patients waiting for treatment nor are they doctors; they should not have any say in how people’s health should be managed. For this reason I have made the following suggestions 1. Give doctors more legal protection from law suits. I feel that at doctor should be treated as a good Samaritan when it comes to treatment http://definitions.uslegal.com/g/good-samaritans/ . Although I strongly feel that people should maintain the right to compensation if a doctor is negligent, I feel we should have much higher standards to what negligence is when someone is trying to save your life. As is one of the MAJOR costs associated with being a doctor is malpractice insurance. The costs associated with malpractice and malpractice insurance has scared away people from entering certain fields of medicine (i.e. primary care) and has driven costs up so much for doctors many small practices can no longer afford to stay in business. 2. Loosen Medicare and health insurances power over price control. Although price control seems good, it has only managed to create high profitability for insurance providers and it has been hurting primary care provider’s ability to stay in business. Although it may seem counter intuitive to loosen this control, I strongly believe by allowing primary care providers to have more control over their prices you will create new competition. This competition will give doctors a reason again to become primary care providers. This will create more competition and lead to more doctors. When the number of doctors has increased less resources will need to be spent on emergency rooms. 3. Stop allowing foreign nations from capitalizing off of US medical research. Currently a lot of nations have laws that allow them to limit how much they can be charged for drugs. Because of these limits, the citizens have to pay for most of the drug research for the drugs that get sold overseas. If someone wants to buy US medicine they should be required to pay the US price for that medicine. The only subsidizes should be ones provided to nonprofit charitable organizations. 4. Make medical billing more transparent. From my understanding one of the reasons why bills are so high for an emergency room is because paying customers are indirectly subsidizing the cost of non-paying customers through having to pay exuberant prices for things. My guess is that the reason a getting a basic shot at an emergency room can cost over $1k is because I am paying for all of the people who could not afford to pay here their bills. This is probably the only way for some hospitals to stay in business. Even in an emergency room a shot should not cost a few hundred dollars at most + the cost of the medicine. By lowering the costs of emergency medical bills and insurance should become a lot cheaper. 5. For those who cannot afford insurance, there should be a government program in place that helps subsidize the cost of treatment. For example unemployed people should be able to get vouchers for preventative care. If someone goes in to the emergency room without insurance the government should have a scale in place to determine what % of the treatment they will subsidize. Yes, these things would require more taxes, however I believe doing these things would make regular healthcare cheaper. As I said before we are already paying the bills of uninsured people through having to pay higher medical bills for our own treatment. I really do not think the medical field is making a killing off people like we think they are. People just do not understand how things are currently getting paid for. The reason why I am against complete government control is that I think in order for the US to have the best doctors we need to fairly compensate them and I do not believe the government can do a better job than the market. If the government ended up setting pay rates from for doctors what would be the advantage for someone to spend a lot of money and work hard to become the top of their class at an IV league school. In order to get people to spend 8 years in school and work there 4ss off, you have to pay them a lot of money. Most of the money though we are currently spending is not going to the doctors, to is going to the costs associated with being a doctor (ie insurance, tools, facility) and the cost associated to cover the medical bills for those who could not pay. Money is a powerful motivator and we can’t just expect that if we take it away everything will work out just fine.The US system needs to be fixed, but I do not think handing it over to the government is the solution.Wow, um if not the Government to take the task then who would fix it. Those making a killing on the system now?
I think paying more than $100 a month per household, is grossly too much for health insurance.Finally found a point on which I agree with TPB ... True...
Failure in this country is almost always attributed to laziness, poor planning, sense of entitlement, and poor-decision-making.Yes, but I wasn't referring to people marginalized by their own bad attributes - rather, to hard work and how equal parts toil rarely results in equal parts wealth. It should, but it doesn't. It could even be said that the harder you work, the less you earn. Almost always, wealth in the West comes from knowing the right people, exploiting loopholes, usury, speculation, skimming, bribery, and...luck! Only occasionally is wealth the result from sacrifice, concept, R&D, production, invention or service.
Do other countries have nationalized health care that covers everyone? Yes. Do they pay for it? Yes. Are the populations of these countries wandering the streets dying of disease. No. Are we in the USA so stupidly incompetent that we can’t do that too without bankrupting our populace or creating a rationing worse than that created by private insurers? That, apparently, is what’s being argued by the conservative members of this forum.Well put, Ian807. Whenever any of the wingnuts bring up some strawman blah-blah about some irrelevant aspect of the whole health care debacle, we would all be well served in going back to basics and remember that there at least a dozen western nations that have already proven that healthcare can be universal, and at half the cost we expend. End of story.
I am very curious to know if the people here, and all over the country, screaming about socialized medicine, communism, etc have any plans to turn down medicare when they’re old enough. If govt run healthcare is so terrible, it would seem as if they would pass it up and stick with their private insurance plans instead. But nobody ever mentions it. It’s very curious. Some Guy, you’ll be turning down medicare, surely. Right?The government forces us to pay 3 percent of our entire lifetime earnings into Medicare, we have no say in the matter they force us to do it. So yes, since we are forced to pay into the program of course no one should walk away from it. But many people do get supplemental insurance in addition to their Medicare. Even worse, the program is fast approaching bankruptcy and now represents a nearly $ 100 Trillion unfunded liability. Basically, the government spent all that money on other things and did not set it aside for Medicare. As a result we are now in deep trouble just as millions of baby boomers approach retirement. This is why the government is so concerned about driving down costs, because they know they cannot afford to deliver the services everyone has been promised all these years. Just another example of criminal government mismanagement, and so typical. How anyone would think we should give these idiots any more control than they already have is a mystery to me.
We have socialized, government-run systems for public schools, law enforcement, fire department, military, buses (transportation), parks, and others. Why wouldn’t a socialized health care system be feasible? I need health care more than I need a bus ride. We need a civilized, moral health care system and private industry has allowed insurance and pharmaceutical companies to take costs higher and higher for profit. Steps towards universal health care and wide availability of generic drugs need to happen. The state of our system right now is embarrassing on a global level. Americans are even leaving the US to get health care and are combining health care with their vacations. Its really bad right now.1. Public schools are ran out the county level, not the federal level and most public schools have major problems even at the county level. 2. You don't need a PHD to drive a bus. 3. You are not going to find a lot of people with PHDs or even bachelor degrees who would be willing to join the military. With that said there are government employees in skilled positions. However most of these positions have non-government contractor equivalent jobs. One thing I have noticed in my own job field is that the people who are really skilled will not accept or stay in a government positions because the government would not pay them what they are worth.
Just because foreclosures are increasing does not mean inventory overall is going up. And if those foreclosures are selling faster than they come on the market, inventory will go down. In places that I’ve been watching, I know inventories are much lower right now than they were last year. I think in Fremont, CA there are actually about half the number of homes listed (around 500, down from over 1000).Ok, let's look at some facts now. As you mentioned Fremont., let's look at it. Check out these charts in following site http://www.rereport.com/alc/monthly/fremont.html The first chart tell you number of units (SFH) sold (the black line). Number of sold homes in June 2008: 100 Number of sold homes in June 2009: 105. Now, look at the inventory data here - http://www.altosresearch.com/research/CA/fremont-real-estate-market Go to the last chart at bottom. Aug 2008 inventory: about 600 July 2009 Inventory: 384. So where is the magical volume of sale that ate up all inventory in last one year? Number of sale increased marginally from 100 to 105. The only change I see here is inventory dropped 35%. It indicates that two things 1. Many homeowners took their homes off from market, as they are not selling (waiting for good time to come back). 2. Banks are holding foreclosed properties. They are not listing them at the same rate they did in last summer. Bottomline, inventory drop is not due to sale volume increase (because there were no substantial increase). But the real question is how long can banks hold their properties. Someday they have to sell. Want proof? Check out foreclosure database in SF Chronicle - http://www.sfgate.com/webdb/foreclosures/ Numbers for Fremont's four zipcode - 94536: 240 94538: 209 94539: 31 94555: 85 Total: 565 and more to come. How long banks can hold properties do you think?
My mother, 85, is in a nursing home since a stroke and broken hip earlier this year, and no way does she have quality of life. She won’t eat, has to be fed from a tube, won’t walk, etc. If it were legal to let her die, I would, and that is compassion, NOT cruelty. As it is, she is a burden to herself AND society, and no, I do not believe God is going to somehow miraculously restore her. I don’t even want to contemplate how much her care costs the feds and CA (in addition to her share, $761 a month). This stuff isn’t even part of the debate. Thank god I have it in writing that I’m not going to end up that way, no matter what. I’ll find a way to kill myself.If she truly has no quality and if SHE no longer wants to live like that - or if she isn't able to make the decsions and her Power of Attorney believes that is the way that she would want it to be (or if there is no POA, the majority of adult children who can be reasonably found agree), stop feeding her through the tube (but keep it in so that she can receive hydration and medications if necessary), and allow her to die. Or call a hospice, end the feedings and allow her to die. If her doctor won't support this, find another doctor. It is legal, people do have choices. It's called Palliative Care. Read the articles on the nursing home page: http://patrick.net/?p=16361 http://patrick.net/?p=16353 http://patrick.net/?p=16352 (elliemae hops off her soapbox again)
Where do pending sales fall in the charts? Or are they a gap? I’ve heard that the time to close on a house lately is 2-4 months. So if a pending sale doesn’t count as sold but also isn’t considered part of the inventory, then this could create a gap. We’ll see in a couple of months if things go up more.Go to redfin and search for homes for four zipcodes in Fremont. Search first by clicking checkbox "Exclude under contract" and then re-search unchecking that checkbox. Different of search result is sale pending. So these are the pending sales: 94536: 109-98=11 94538: 67-59=8 94539: 184-176=8 94555: 51-47=4 If escrow-closing is taking 2-4 months, it did in all the recent months - March, April, May, June. Why do you think July or August number will be any dramatic different last few months? Does not make too much sense. In a nutshell, so far 2009 sale increase is not any dramatic different from seasonal change that start from Spring. Numbers are marginally better than 2008, but that's all. It isn't enough to digest foreclosed inventory.
To all, you need to read this excellent analysis by the Associated Press (based on today’s news conference) to learn some of why this plan is grossly misleading. This is the kind of reporting we need in this country: FACT CHECK: Obama’s health care claims adrift?Dude, Be careful. How many of these articles are being written by paid agents of Insurance companies, you will never know. Power of propaganda is very great. Don't underestimate it. At least in Communist countries and Nazi Germany right to propaganda was confined to State and so you knew where it was coming from. But in democracy everyone has to right to propaganda and big businesses know it full well. Before you know, you have been had. All of us who trade in stock market know it full well.....So beware and don't spread other people's propaganda. I will prefer Obama plan anyday and give the man credit for thinking of ordinary people.
camping saysYour "sale pending" numbers are not valid. If a listing agent takes the property off the MLS when it goes under contract instead of indicating "under contract," it will not show up using your calculation. Many of them do this. But, it's probably not a huge enough number to make up for the significant drop in inventory. So then the bottom line is that, like you said, people are de-listing their houses and banks are not foreclosing at such a high rate. There may be several reasons why banks are not foreclosing (e.g. re-working the mortgages under the Obama plan). If the Obama plan works, then inventory may stay this low. When the gov't and the people who control all of the money have a goal, my doubts about going against them continue to grow.Where do pending sales fall in the charts? Or are they a gap? I’ve heard that the time to close on a house lately is 2-4 months. So if a pending sale doesn’t count as sold but also isn’t considered part of the inventory, then this could create a gap. We’ll see in a couple of months if things go up more.Go to redfin and search for homes for four zipcodes in Fremont. Search first by clicking checkbox “Exclude under contract†and then re-search unchecking that checkbox. Different of search result is sale pending. So these are the pending sales: 94536: 109-98=11 94538: 67-59=8 94539: 184-176=8 94555: 51-47=4 If escrow-closing is taking 2-4 months, it did in all the recent months - March, April, May, June. Why do you think July or August number will be any dramatic different last few months? Does not make too much sense. In a nutshell, so far 2009 sale increase is not any dramatic different from seasonal change that start from Spring. Numbers are marginally better than 2008, but that’s all. It isn’t enough to digest foreclosed inventory.
It’s just tearing you guys up that a black man became president, isn’t it?Uhmmm, the guy is a MULATTO. His mother was WHITE, his father was a BLACK MUSLIM. That makes him a half~breed, MULATTO. It's just tearing you guys up that a MULATTO man became president, isn't it? And that his mother had the outrage to be white.
Your “sale pending†numbers are not valid. If a listing agent takes the property off the MLS when it goes under contract instead of indicating “under contract,†it will not show up using your calculation. Many of them do this. But, it’s probably not a huge enough number to make up for the significant drop in inventory.That's right, even if you double or triple the number, it is not enough.
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