Is this a fair "tea party" platform?
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Needed

Mountain City, TN

#82 Nov 28, 2013
Asa Spades wrote:
<quoted text>Has it occurred to you that you and your harem are a big part of the problem? Evidently you are a self admitted whore hopper and cast your fishing pole in murky waters without any responsibility. Talk about hypocrisy! Obviously your and your women lack moral turpitude and it explains a lot of the problem.
To me you seem hypocritical as you want government out of your life except when it come to the things you want government to control regarding people's lives. You can't have it both ways and still be taken seriously Asa.
Jonah

Banner Elk, NC

#83 Nov 28, 2013
Needed wrote:
<quoted text>Isnt having health care coverage personal responsibility? If so, isn't Obamacare forcing personal responsibility? Would that not be the same as outlawing abortion, in that it would be the government forcing personal responsibility on women that do not use birth control and have an unwanted pregnancy? It seems you want the government to force personal responsibility in some instances, but not others. What about welfare? Would you force women of limited means to have children, then as a society cut welfare and programs that help children and families? I believe you need to think this through a bit more.
Couldn't the same be said of auto insurance?? But still, we are being forced to purchase it.
Hmmm

Abingdon, VA

#85 Nov 28, 2013
Jonah wrote:
<quoted text>
Couldn't the same be said of auto insurance?? But still, we are being forced to purchase it.
The big difference is I'm not paying for anyone else's auto insurance...
Needed

Mountain City, TN

#86 Nov 28, 2013
Jonah wrote:
<quoted text>
Couldn't the same be said of auto insurance?? But still, we are being forced to purchase it.
I believe it is a good analogy, however the right wing, who actually developed the ACA model counters that people do not have to have a car. Therefore they do not necessarily have to buy auto insurance. Obviously they do not live in this region wher most everyone has to have a car to get to work, school and such. They must all live in big cities where there is good public transportation.
Asa Spades

Kingsport, TN

#87 Nov 28, 2013
Needed wrote:
<quoted text>To me you seem hypocritical as you want government out of your life except when it come to the things you want government to control regarding people's lives. You can't have it both ways and still be taken seriously Asa.
Did I even mention government? You seem to be foaming at the mouth to make people's lack of control and responsibility a political issue. Was it politics that knocked these women up? Seems to me folks like the guy and women in relationships resulting in unwanted pregnancies are in a moral, not political quandary. I'm quite sure that in the throes of sexual pleasure they weren't thinking about politics. You can't blame everything on the government or expect them to rectify it.
Jonah

Banner Elk, NC

#88 Nov 29, 2013
Hmmm wrote:
<quoted text>
The big difference is I'm not paying for anyone else's auto insurance...
Reckless drivers, drunk drivers, and people who are illegally operating vehicles without insurance are the reason rates are so high. The cost is passed on to all that are insured. So, if you have auto insurance, your cost are determined by these factors. Same with health insurance. I am paying for the uninsured through my higher premiums and medical cost. Reagan passed an extreme socialist health care bill which does not allow hospitals to refuse treatment no matter ones ability to pay. So basically, we have been paying for others health care since the 80's.
Needed

Mountain City, TN

#89 Nov 29, 2013
Asa Spades wrote:
<quoted text>Did I even mention government? You seem to be foaming at the mouth to make people's lack of control and responsibility a political issue. Was it politics that knocked these women up? Seems to me folks like the guy and women in relationships resulting in unwanted pregnancies are in a moral, not political quandary. I'm quite sure that in the throes of sexual pleasure they weren't thinking about politics. You can't blame everything on the government or expect them to rectify it.
If you are against abortion and against welfare and food stamps and other programs that help children and families you are a hypocrite. You may only be the local moral police. Sorry for the mistake.
Asa Spades

Kingsport, TN

#90 Nov 29, 2013
Needed wrote:
<quoted text>If you are against abortion and against welfare and food stamps and other programs that help children and families you are a hypocrite. You may only be the local moral police. Sorry for the mistake.
Wake up. I didn't opine on being pro or con on these issues. If you can contain your need to argue before you go Politic on me, stop and think about what you have just read and don't try to embroider it. Ever heard of preventative action? Do I have to get out crayons and draw you a picture?
Todd

Bluff City, TN

#91 Nov 29, 2013
Let's just take a snapshot picture of 1000 homes located in the same zip code, OK? The average home is $200,000 so the average premium is 1% or $2000. Rather than send that money to a giant corporation, it goes to "Claude the accountant" the money goes into escrow or something that draws interest.$2000X1000 Homes =$2 million.

There are no $50,000 adjusters running around. Claude and two other "members" sign off on the Jones claim when their house burns down. Remember: The two other members are not going to help the Jone's defraud Claude because 1) it's illegal and 2) it's their money too.

At the end of the first year, they pay $1.5 million in claims, leaving a balance of $500,000. After 5 years, there's a surplus of $2.5 million. That money continues to draw interest and just sit there. At no time, do we build a huge equitable building and house bean counters and Wall Street freeloaders that come in and figure out ways to pay less while charging more.

By the way, if you're a homeowner, when is the last time you turned in a claim for $1500 against your homeowners insurance? Because in order for there to be $1.5 million in claims, each of those 1000 homes would have to turn in a $1500 claim (EVERY YEAR) So, I think I'm being generous with the $1.5 million in claims. But to be fair. Let's just say that there is a surplus of $500,000 yearly.

Is that too much like socialism or is it too much like the American Way. Remember. The first form of insurance used to be that if somebody's barn burned down, it was just rather understood that the surrounding neighbors would get together and help rebuild it.

It would seem to me that after the surplus in the account got to be some ridiculous number like $15 million, then premiums for our members would begin to go down instead of up. Insurance used to be a noble business. Folks, it is another cog in the wheel that's destroying America.
Todd

Bluff City, TN

#92 Nov 29, 2013
Just for reference, ALLSTATE has a net worth of $97 billion. They paid Wall Street investors $1.3 billion last year. Know who's money that was?

The only real thing that you have in common with that Wall Street investor is that both of you hope that your house doesn't burn down. That's all.

Wall Street gets the left over money from all the houses that DONT burn down. But they aren't just idle investors. They push the CEO to pay less and less each year out in claims and take in more and more in premiums.

Without WALL STREET, in time the premiums on that 1000 homes would equal ZERO. There would be enough in the trust to actually cover the value of all 1000 homes.

Just 1000 homeowners getting together to have their homes insured without first having to pay THE BEAST.
Jive

Kingsport, TN

#93 Nov 30, 2013
Todd wrote:
Let's just take a snapshot picture of 1000 homes located in the same zip code, OK? The average home is $200,000 so the average premium is 1% or $2000. Rather than send that money to a giant corporation, it goes to "Claude the accountant" the money goes into escrow or something that draws interest.$2000X1000 Homes =$2 million.
There are no $50,000 adjusters running around. Claude and two other "members" sign off on the Jones claim when their house burns down. Remember: The two other members are not going to help the Jone's defraud Claude because 1) it's illegal and 2) it's their money too.
At the end of the first year, they pay $1.5 million in claims, leaving a balance of $500,000. After 5 years, there's a surplus of $2.5 million. That money continues to draw interest and just sit there. At no time, do we build a huge equitable building and house bean counters and Wall Street freeloaders that come in and figure out ways to pay less while charging more.
By the way, if you're a homeowner, when is the last time you turned in a claim for $1500 against your homeowners insurance? Because in order for there to be $1.5 million in claims, each of those 1000 homes would have to turn in a $1500 claim (EVERY YEAR) So, I think I'm being generous with the $1.5 million in claims. But to be fair. Let's just say that there is a surplus of $500,000 yearly.
Is that too much like socialism or is it too much like the American Way. Remember. The first form of insurance used to be that if somebody's barn burned down, it was just rather understood that the surrounding neighbors would get together and help rebuild it.
It would seem to me that after the surplus in the account got to be some ridiculous number like $15 million, then premiums for our members would begin to go down instead of up. Insurance used to be a noble business. Folks, it is another cog in the wheel that's destroying America.
First off, wait a damn minute. I don't know tour zip code, but it is not representative of the most people here in the city/county. Most of us have a mean value of 45 to 68000 in our homes. I think you are just trying to bullshit us right off the bat. Damn, just don't hit us with a false number. Therefore, I consider your post pure pure bullshit.

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