Maksim

But the malpractice insurance is so high because the public thinks they are owed $5 million dollars because the doctor messed up setting their broken hand. end of the day, it is all about the end consumer.... and voila... market driven consumer economics.

Both insurance companies and doctors are scammers. They both cut each other, and as result keep paying. Furthermore, what is insurance? Insurance is dividing the risk across a pool. When healthy people choose not to pay for insurance because they would rather spend it on something else, premiums have to go up as now your total premium pool is all sick people.... as a result then sick people **** about having higher premiums. As far as insurance companies, they are a necessary evil. When I went to my doctor, she submitted a bill of $350 for a checkup... insurance paid doctor the customary rate of $50 for the 5 mins she spent with me. Anastasia went to the same doctor, and HAS NO insurance.... my doctor charged her $150. tell me that is right? Had they charged you and submitted $150 to the insurance company, the doctor would have recieved $20. Are the doctors right for submitting higher bills? Are the insurance companies right for taking such a large % and profit? The doctor can charge her less because its all profit, and he then gets 100%. She got charged $200 less than you, yet the doctor made $100 more from her than you... The system needs reform. Not a government takeover that will only put profit in even more pockets. And premiums WON'T go down that way. No, because I dont think the doctor deserves $150 for 5 mins. The actual going rate is that much... and no, the doctor would be paid the $50 they deserved no matter how high of a bill they would submit. They are all asswipes, actually. Btw... no one ever complains about insurance companies when they just paid for surgery... and the healthy people made up for it. Want to hear the profit margin that insurance companies are working on? On average 1% to 3 % And where do the profits go? To the shareholders... ie likely you if you own a share of any mutual fund... and policy holders if it is a mutual company.

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I say we buy out 25% of canada where no one lives.... build a giant fence, and throw all the thugs there, and let them colonize it.

so did we finally get anything on it? Anything definitive from Central Jersey? When is the next meeting?

Both insurance companies and doctors are scammers. They both cut each other, and as result keep paying. Furthermore, what is insurance? Insurance is dividing the risk across a pool. When healthy people choose not to pay for insurance because they would rather spend it on something else, premiums have to go up as now your total premium pool is all sick people.... as a result then sick people bitch about having higher premiums. As far as insurance companies, they are a necessary evil. When I went to my doctor, she submitted a bill of $350 for a checkup... insurance paid doctor the customary rate of $50 for the 5 mins she spent with me. Anastasia went to the same doctor, and HAS NO insurance.... my doctor charged her $150. tell me that is right?

As someone who works in the industry, and with people bitching about their premiums, I can tell you barely opening up the borders is not going to solve it. Turn the radio off and think for yourself a bit. Ok, Layman's insurance guide.... each state regulates the insurance and banking. In NJ, a commissioner appointed by the governer is head of the insurance regulation. If Aetna wants to sell their policies in NJ, they have to apply to the state commissioner to first, get approved as a company in NJ, and then submit their policy to be reviewed by the state. Why? Because when the insurance company goes out of business, the state of NJ is there to guarantee that you will still get your policy benefits. Big issue? The average wait in New Jersey for an insurance company to get a policy approved for sale in New Jersey is 3 years. When a company has to do this for all 50 states, they just choose not to do it. Furthermore, the real difference between the states is who gets covered. In PA, there is no guarantee that you can get insurance, and you have to qualify health wife for it if individual, if group it is issued. In New Jersey, no matter how sick you are, you are guaranteed an insurance policy.... AT THE SAME RATE AS A HEALTHY PERSON WHO NEVER TOUCHED A CIGARETTE IN THEIR LIFE!. so lets take a look at a case I am familiar with... my own health insurance. In New Jersey... I am paying $350 a month for an Amerihealth insurance policy for a 27 year old. In PA, I would be paying $150 for the same plan.

I normally agree with you Maks but I'm going to whole heartedly disagree with you right now. The uninsured can get insured by GOING AND PAYING FOR IT! I've said it once and I'll say it again, pre-existing conditions like cancer etc should not affect your premiums. Being stupid and smoking SHOULD!!!!!!! affect your premiums. No one should be denied PAY FOR insurance. Stop the fricken hand outs, get your butt out of your bed and go get a job and stop letting "the system" take care of you! by uninsured, I am really talking about those families that cannot afford insurance. An average premium for health insurance in New Jersey if you go out and buy it yourself is $500 a month for single, $1300 a month for a family of 3. When we came from the soviet union, 19 years ago, and my parents were taking home 35k a year combined..... try paying that much. I really believe at the bare minimum, remove the state line restrictions, make all insurance guaranteed issue, with health discounts given to those with better health, and penalize people for smoking, and select lifestyle choices. Furthermore, give everyone a tax credit to buy health insurance, and for those living below the standard of living, a free, ie medicare, major medical only policy, with 0 deductibes/copays for preventative medicine.

lol. how many times have you been muzzle swept at the range? much like not every ejaculation deserves a name..... not everyone deserves to own a gun.a the very least they should be able to pass nics and be able to handle a firearm safely.

Catastrophic only policies already exist. but buying across state lines is not going to solve the issues. neither is tort reform... THERE IS NO PLAN that all of the republicans are putting together, nor standing behind. I completely disagree with any Obama policies, but the republicans do not have a healthcare plan. Buying healthcare acrross state lines is not goign to get the uninsured insured. I really want to see them make a push towards tax credits for healthcare policies. Hannity is the only one that is kind of moderate..... Rush, Levine... I stopped listening to them cause it is tooo damn depressing. damn, biden is on the Olympic show.

This one is directed to you though. Yes, this is a gun forum, however I dont believe we should just erase all gun laws on the books and allow every joe smoe to go buy grenades at their local ffl. Convicted criminals, and people not mentally competent, should not own guns. Hell, I would be even in favor of having everyone take a mandatory safety course before being able to buy a gun. Hell, my ideal would probably be to have everyone pass a mandatory NRA or like approved course, give them the right to conceal carry in any state, and run nics on every gun purchase. Have it attached to their social or what not, and let them have as many guns as they want. and same thing as now, NFA stamp, etc.

The one thing that really pisses me off about political threads... well hell, about most die hard conservatives and most die hard liberals is to even consider that another person may have opinion or a view. Its our way or the high way. Ie Health Care.... there are very real issues with it, and while I dont agree with the democrat plans... republicans haven't presented crap. And while all of the republicans, throw in Rush, and Levine into the pot, and the republican/conservative plan is to go against the democrat agenda... and while I don't agree with the specific policies of the left, I have yet to see one proposal from the right. Ie... Where is any Republican's plan for: creating jobs, lowering taxes, fixing health care, fixing social security, fixing medicare, fixing infrastructure. What is the republican plan for extending: Bush Tax Cuts, estate/death taxes after 2010? AMT (Alternative Min Tax)? Double/Triple taxation on corporate profits? Deregulation and compartmentalized oversight of financial industry? (I am overseen by 5 different authorities all of which have different rules many of which are in conflict with each other). What made Clinton great is that he knew he had to work with a republican controlled congress, and the republicans knew that Clinton could veto. The control was evenly divided, so they put their differences aside and worked together. Clinton prolonged the original Regan/Bush cuts.... and taxes were LOWER under Clinton than Regan. Healthcare costs were LOWER and Going DOWN under Clinton, for 3 years, before they started going back up after his term in office and under Bush, and again under BamBam. Absolute power corrupts absolutely. Yes, Clinton did have a gun agenda... that his party wanted him to promote... ok... but guess what, how did it make your life worse? And it lapsed.... did your life magically get better? Quite honestly.... looking at the idiots in the other thread jumping a Suzuki swift, while obviously drunk with a beer in hand..... I wouldn't want these riff-Raff to have access to full auto firearms. Get off your soap boxes and admit that we were better off under Bubba than now. Good things happen when people get off their pedestals and work together. Freedom-first, this is not directed towards you, just in general.

aha, jersey finest.

:doh:

that one. =)

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The fin versions are typically superior. The stock is slightly different, both in terms of material and design, along with a heavier/better barrel. all in all, more accurate than their russian counterparts. also the sights are different I believe on a few models.

nice pics. hehe.

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companies are laying off 100k a year jobs and hiring 50k a year youngins to do the same job... alot of my clients in construction management were laid off... and not much action.

Is that true?? I hadn't heard that one yet. WOW. :roll: Unreal it is the new jobs bill that will likely get passed in a week or so. Extends unemployement benefits, more money towards transportation fund, and that tax credit for hiring people. What it is, is you dont have to pay the 6.5% employer contribution towards Social Security Tax, as long as employee is hired at over 106k.

well chad.... dont forget Obama is going to give you a $6,000 credit if you hire an employee who has been laid off for more than 60 days, and keep them on your books until the end of the year. Only thing though, they need to make at least $106k a year. :clap:

lol. what I really admire of clinton is the fact on the economy, he was open to, and listened to fiscal conservatism.... just read clinton's book and Alan Greenspans... Clinton is no where near Obama.... Bam Bam would probly call clinton as a conservative republican. enough with that... wishing for a speedy recovery.

See, i think we should send matt around to different businesses and work at each place.... have matt vacume and clean cars in the cold, then chad can send him to tony and we can have matt sand boats and showel snow. then become at cook at wolfy's.... or dish washer?

congrats... enjoy it!