The Conservative Cave
Current Events => The DUmpster => Topic started by: Texacon on October 14, 2008, 12:58:23 PM
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Where's the LOVE?! (http://www.democraticunderground.com/discuss/duboard.php?az=view_all&address=389x4234920)
Sebass1271 (485 posts)
Tue Oct-14-08 10:43 AM
Original message
$100K combined. We can't afford health insurance benefits. Our employers don't offer it because they say "it is not the law" so they don't. We tried to obtain individual health care insurance but it was too expensive. All insurance companies quoted us $800.00 or more per month. Obviously we can't afford this amount when you have mortgage payments, insurance, car payments and insurance, food, gas, electricity bills and some savings at the end of the month. We don't splurge, we live within our means. So Obama obviously is talking to US. We also tried to obtain insurance benefits for our six year son and applied to Florida's kid care.. well, my little one was denied because for them, my husband and I make too much money. How can that be? We don't make too much money. We are barely surviving!!..
This is so FRUSTRTING!!!...
WE are not looking for free insurance, we want AFFORDABLE insurance. I posted my family situation in Politico.com and this conservative replied to my post:
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"Obama stated that he would not raise taxes on people earning less than $250,000. However, he voted in the Senate to let the Bush tax cuts expire.
Taking away the Bush tax cuts is no different than RAISING your taxes. It will not just raise the taxes of those earning over $250,000 it will be for EVERY American--100% across the board. Additional payroll deductions will be used to pay for Obama's comprehensive health care plan.
The family making $100,000? There ain't no such thing as a free lunch. You make too much to be benefited by Obama's plan. In your income bracket, you will not be any better off than buying private health care insurance now. This isn't magic. Please don't be fooled by political promises that sound too good to be true. They are just that, too good to be true, but it will probably get him elected."
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Any help to reply to this creep?? I know Obama will not raise our taxes. But this is a mantra I hear all the time from these people!!!.
This one is getting interesting.
KC
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We pay close to $800 a month for health insurance. So what? If you make 100K then you can afford it. If you make 100K you have to have at least one skill that could get you a job at a place that has health insurance. Walmart is always hiring.
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We pay close to $800 a month for health insurance. So what? If you make 100K then you can afford it. If you make 100K you have to have at least one skill that could get you a job at a place that has health insurance. Walmart is always hiring.
Not according to this DUmmie. It says they even tried to get Kid Care through the state of Florida because they are living on the edge.
:whatever:
It is a fun thread to read through.
KC
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Barely getting by on $100,000 a year? Someone is full of shit. :mental:
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Barely getting by on $100,000 a year? Someone is full of shit. :mental:
They're making $100K combined? In this, the worst economy EVAH? That's unpossible.
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Sebass1271 Donating Member (485 posts)
Tue Oct-14-08 11:43 AM
Original message
My husband i make $100k COMBINED
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$100K combined. We can't afford health insurance benefits. Our employers don't offer it because they say "it is not the law" so they don't. We tried to obtain individual health care insurance but it was too expensive. All insurance companies quoted us $800.00 or more per month. Obviously we can't afford this amount when you have mortgage payments, insurance, car payments and insurance, food, gas, electricity bills and some savings at the end of the month. We don't splurge, we live within our means. So Obama obviously is talking to US. We also tried to obtain insurance benefits for our six year son and applied to Florida's kid care.. well, my little one was denied because for them, my husband and I make too much money. How can that be? We don't make too much money. We are barely surviving!!..
This is so FRUSTRTING!!!...
Hey, you know what? **** you! My wife and I make less than $25K combined and we get by just fine. (Helps to live where we do.) We even planned ahead to get by when she's out from work for 6 weeks due to the baby. On $100K, what the hell are you spending it all on? Mortgage? Do you live in a frickin' mansion? What kinds of cars do you drive? Are you "too good" to buy less expensive food? $100K and you're complaining. Give me a ****ing break!
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I wonder if this DUmmie recognizes the irony in its post?
lumberjack_jeff (1000+ posts)
Tue Oct-14-08 11:18 AM
Response to Original message
25. Insurance wouldn't be nearly as expensive if everyone were covered.
I'm trying hard here to be sympathetic, but my family of five (one with special needs and one in college) makes significantly less than half yours. Closer to one-third.
Sadly, in this society medical coverage is an individual responsibility. But it is a responsibility. $800/month is more than it should be, but it is less than 10% of your gross income.
I can't afford my taxes. I can't afford to pay the mortgage. I can't afford to feed my kids, but I have to. Because I HAVE to do those things, other things become discretionary.
You are one ambulance ride from bankruptcy, leaving me to pick up the tab. This should be exhibit #1 explaining why any effective government medical plan cannot be optional.
But, it won't cost me a DIME to pay for your socialized medical care. :thatsright:
KC
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No seriously, Jinx, don't hold back, tell us how you really feel.
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No seriously, Jinx, don't hold back, tell us how you really feel.
I feel that as long as I keep coming here and reading these dumbass posts by retarded DUmp monkeys, there's no way I'm ever going to be able to quit swearing.
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Barely getting by on $100,000 a year? Someone is full of shit. :mental:
Totally. I'm supporting my wife and son on $36k a year, and that total is after my housing allowance, medical insurance, and all those nice things are factored into my $24,000 taxable income.
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Barely getting by on $100,000 a year? Someone is full of shit. :mental:
Either they're lying or they're spending way more on things that don't need to cost them that much.
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I live in So cal, arguably the most expensive area in the country to live, and do just fine on considerably less than 100k p/year. Its all about prioritizing. Some things are necessities and some are luxuries. When my kids were little I was barely making 25k per year and I still paid for full medical coverage thru my employer. Granted my employer paid half the cost but it was still $400 p/month! THATS a necessity. We didnt go to restaurants and we didnt eat junk food. That alone is a huge money saver. That $400 p/month I paid would be equal to $1600 p/month for the DUmmie. I didnt bitch about the cost because I was just glad my children were covered. If it is really that important to them they CAN afford it. But I suspect they have this sense of entitlement and think it should be free. Assholes.
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Barely getting by on $100,000 a year? Someone is full of shit. :mental:
Not if you've seen Florida's housing insurance prices lately. I got to see my dad's bill--6500.00 a year and he didn't include the outside screen as it would have been another 1500.00 a year. Those prices have increased from more reasonable rates after the last few hurricanes. But the upside is they have no state income tax where other states with more reasonable rates do so it probably all balances out in the end. I'm with mama, one of them should be able to get a job with their skills that has health insurance. If they are running their own business then perhaps it's time for one of them to get a part time gig that offers some benefits in addition or look into banding with other small businesses and perhaps finding a group rate with the increase in numbers they will have. I mean, this situation isn't insurmountable. they have ONE school age child. They should be able to figure something out. I'd love to have that kind of freedom to help out with our family budget, but as it is, I have 3 children, one still a preschooler and one with a disability that will be with him for his whole life--his care is both expensive and necessary if someone won't be at the house. I wish I had the options this 'hopeless' individual has.
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Ashy Larry
6. Obama is proposing that we let the Bush tax cuts expire but only the tax cuts that apply to those who make more than $250,000. Under Obama's plan, you would get a tax cut.
JHB
7. He's baiting and switching...
Obama stated that he would not raise taxes on people earning less than $250,000. However, he voted in the Senate to let the Bush tax cuts expire
He's equating Obama's tax plan in his presidential bid with a Senate vote to eliminate the Bush tax cuts.
They need to get their lies straight.
Oh, and they continue to be stupid enough to believe that Hussein is going to give a tax cut to the middle and lower class.
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WTF is wrong with this douchebag? I make just under $35k/yr and I support myself and my three kids just fine....with health insurance...
It's called living within your means dumbass :censored:
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okay -- DUmmy - you make 100K a year combined - if I assume you are losing 40% of that to taxes you are still netting 60K a year, or about $1150 a week. - losing $200 a week on health ins. will still leave you with $950 a week for everything else.
You need to be living WAY beyond your means if you are torching through that much cash.
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Not if you've seen Florida's housing insurance prices lately. I got to see my dad's bill--6500.00 a year and he didn't include the outside screen as it would have been another 1500.00 a year. Those prices have increased from more reasonable rates after the last few hurricanes. But the upside is they have no state income tax where other states with more reasonable rates do so it probably all balances out in the end. I'm with mama, one of them should be able to get a job with their skills that has health insurance. If they are running their own business then perhaps it's time for one of them to get a part time gig that offers some benefits in addition or look into banding with other small businesses and perhaps finding a group rate with the increase in numbers they will have. I mean, this situation isn't insurmountable. they have ONE school age child. They should be able to figure something out. I'd love to have that kind of freedom to help out with our family budget, but as it is, I have 3 children, one still a preschooler and one with a disability that will be with him for his whole life--his care is both expensive and necessary if someone won't be at the house. I wish I had the options this 'hopeless' individual has.
$6500? A YEAR?
Granted, I pay more than you in property tax, but not nearly enough to justify 13 times my home insurance rates.
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When one deducts all the donations to the Obama campaign. Maybe they can't really afford anything
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Between my husband and me, we make very good money. However, we are just finishing putting the kid through college all paid for by us with no loans and no scholarships. We bought our house in 2001 when real estate was at a peak (ouch) but more importantly, my husband has made saving as much money as we can a priority. A huge priority.
That's where I get the maddest. We live fairly frugally to save so we can take care of ourselves when we are senior citizens because lawd knows we can't rely on anyone but us to take care of us.
However, in an Obama or democratic presidency, when it comes time to retire we will be giving more of our hard-earned money and the accompanying sacrifices to the government to pay for idiots like the one complaining about the high cost of health insurance.
What do you want to bet they have several credit cards with high balances and two new cars?
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My husband i make $100k COMBINED
I think some of us are getting carried away and forgetting this poster is a DUmmy.
Remember that DUmmies lie, all the time.
In this case, the truth may be that she and her husband have been married four years,
and combined, during that time, they've made 100K.
That would still put them in the upper range of DU wage earners.
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$100,000 in FL is pretty good money. What they ought to consider is that all those government mandates about what insurance is mandated to cover is driving up the price.
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$100,000 in FL is pretty good money. What they ought to consider is that all those government mandates about what insurance is mandated to cover is driving up the price.
The median annual income in FLA for a 4 person family in 2005 was $62K: http://www.census.gov/hhes/www/income/4person.html
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Family(3+ persons) ....Under 40..... $436 .....$343 .....$173
http://www.medi-share.org/program_options.aspx
Of course, it's Biblical Medical Insurance, so might give them hives or something... ::)
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I do believe the health care system in this country is terribly flawed, and I blame the government AND the insurance companies for it.
I've told the story before, I had a vasectomy, my insurance paid for it, but I got to see the itemized bill. $25 for Neosporin. Now, the incisions took one stitch each, the amount of Neosporin applied to them was practically microscopic, but the insurance company gladly reimbursed them 25 bucks for it. The administrative costs for the hospital to fill out the necessary forms for the government and the insurance companies contribute heavily to these ridiculous prices.
That hurts. What also hurts is when a state senator decides to write into state law that all insurance that is issued must cover recuperative pedicures to favor a lobbying group. Yes, the system is flawed and we do need to work in some changes. But the system is not in a state of failure like the DUmmies.
Then you have to figure in hospitals estimating dead beats who won't pay their bill and the lawyer factor which all of us paying folks get to pay for.
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Maybe her husband has an ex in Missouri. Mr Smith brings home just under 1/2 of his "take home" after paying for his kids. If he had to cover the kids on his insurance, that would take 1/2 of what's left.
Of course, we've arranged things to manage on that amount, out of necessity, so that everyone is insured, sheltered, fed, clothed... :wink:
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$6500? A YEAR?
Granted, I pay more than you in property tax, but not nearly enough to justify 13 times my home insurance rates.
yep...my dad lives in south florida--Broward County. Saw the insurance bill myself. He showed it to me and then added that if the screened in back porch was not covered because it would cost an extra 1500 a year(they are well over 10 grand to replace btw--they enclose the pool, porch, etc.--said he'd just let it blow away if another came through). He said the rates increased dramatically after the 2 hurricanes taht swept through a few years back and even more dramatically then they did after Hurricane Andrew in '92. And he's lived there for well over 25 years now so he's well aware of what the rates have been. I wouldn't have believed it had I not seen the bill myself. :o :o
And I don't live there now. I was down there over the summer and that's when I got a gander at his insurance premium. :o
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While I sincerely applaud you and your husbands financial planning, and the great charity towards your kids that you've shown by paying for their educations. Considering the rampant inflation, with the price of health care so vastly exceeding inflation... without changes... shivers, I apologize for using that adjective. It's almost impossible to plan for the unknown expenses of health care... even than, few will have the means. Even with hundreds of thousands in the bank, and quality health insurance, people are generally still capable of having to declare bankruptcy over medical expenses. Although I'm not stating that Obama's method of change is what's best...
Oh thanks for that ~ now you've given me something ELSE to worry about. :sarcasm:
I realize that one serious illness could wipe us out. But we also realize that if we both live good long lives and stay healthy, we'd like to be able to at least live decently.
Where I get a little angry about the taxes is that if we make the effort to plan ahead and then if we decide to cash everything out and take off in an RV, we would be giving more to the government in terms of capital gains.
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Oh thanks for that ~ now you've given me something ELSE to worry about. :sarcasm:
I realize that one serious illness could wipe us out. But we also realize that if we both live good long lives and stay healthy, we'd like to be able to at least live decently.
Where I get a little angry about the taxes is that if we make the effort to plan ahead and then if we decide to cash everything out and take off in an RV, we would be giving more to the government in terms of capital gains.
Hey, it could be worse. You could live in Oregon, where they'll refuse to pay for your care, but offer to pay for assisted suicide.
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If you make 100K you have to have at least one skill that could get you a job at a place that has health insurance. Walmart is always hiring.
That's right, unless they both happen to work for a small business owner, which I somehow doubt.
They did say that they were (both, I assume) told that "it isn't the law to provide them with health insurance." No employer would outright say that to their employee. They were offered a job, and they accepted it as is, with the benefits, as is. They took it, they have to deal with it, and they sure can.
Instead of looking to the Fed. government to screw something else up, why doesn't this dumbass seek another employer who offers better benefits OR get their priorities straight, which is at least provide health care for their kid. Of COURSE they were turned down for the welfare health care coverage in that state, because they can afford to provide it.
"Can't afford it", my ass. They just don't want to pay it, and then they tried to get the state to pay for their kid because they don't want to do that either.
What a crock.
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$800 a month for just the 2 of them? They must wanT "FULL" coverage.
If I made a $100,000 a year, I'd ask about a $5,000 deductible....for each... and see what that did to the monthly or semi-annual cost. The savings alone would probably cover the $5,000 deductible, if you didn't have a major health problem for the first couple of years.
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I've told the story before, I had a vasectomy, my insurance paid for it, but I got to see the itemized bill. $25 for Neosporin. Now, the incisions took one stitch each, the amount of Neosporin applied to them was practically microscopic, but the insurance company gladly reimbursed them 25 bucks for it. The administrative costs for the hospital to fill out the necessary forms for the government and the insurance companies contribute heavily to these ridiculous prices.
For some reason my husband takes it personally if I use the term "microscopic" in relation to anything in the area where vasectomies are performed.
:confused:
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Are you "too good" to buy less expensive food?
You unfeeling bastard - don't you know what tofu and organic greens cost these days? :-)
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I do believe the health care system in this country is terribly flawed, and I blame the government AND the insurance companies for it.
I've told the story before, I had a vasectomy, my insurance paid for it, but I got to see the itemized bill. $25 for Neosporin. Now, the incisions took one stitch each, the amount of Neosporin applied to them was practically microscopic, but the insurance company gladly reimbursed them 25 bucks for it. The administrative costs for the hospital to fill out the necessary forms for the government and the insurance companies contribute heavily to these ridiculous prices.
Damn, and I thought the itemized bill I had for my last surgery a few years ago was high... they charged me $6 for a box of crappy facial tissue that's in the damn room to begin with.
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lumberjack_jeff (1000+ posts)
Tue Oct-14-08 11:18 AM
Response to Original message
25. Insurance wouldn't be nearly as expensive if everyone were covered.
Actually, Lumberjack-off, the opposite is true. The more money you feed into a system the more prices go up.
Mr Snuggle Bunny's Rules of Economics #3: If everyone were a millionaire a loaf of bread would cost $10,000.
Poor people actually keep costs down because producers will lower prices to attract a wider market share. If you start a system of seemingly unlimited money everyone will scramble to get as big a share as possible.
And that isn't necessarily about greed either. If you don't try to gain as much money as your competitor then you cede to your competitor the capital needed for expansion, better help (translation: higher paid, more skilled labor), advertising, new equipment, etc. A business would have to be suicidal to NOT try and claim as much of the money trough as it could in a competitive market.
And don't say you don't want a competitive market, you tool; because we both know if The Chosen One were to say that on TV he would be 20-points down in the polls.
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Actually, Lumberjack-off, the opposite is true. The more money you feed into a system the more prices go up.
Mr Snuggle Bunny's Rules of Economics #3: If everyone were a millionaire a loaf of bread would cost $10,000.
Poor people actually keep costs down because producers will lower prices to attract a wider market share. If you start a system of seemingly unlimited money everyone will scramble to get as big a share as possible.
And that isn't necessarily about greed either. If you don't try to gain as much money as your competitor then you cede to your competitor the capital needed for expansion, better help (translation: higher paid, more skilled labor), advertising, new equipment, etc. A business would have to be suicidal to NOT try and claim as much of the money trough as it could in a competitive market.
And don't say you don't want a competitive market, you tool; because we both know if The Chosen One were to say that on TV he would be 20-points down in the polls.
That's why I cringe every time Obama's BS 'Health Plan Contrast' radio ad comes on here, it winds up with three cornerstones o fhis plan after dissing McCain's in various ways that don't completely add up. One of his cornerstones is 'Control medical costs' and another is 'Recruit doctors and nurses for underserved areas' (both utterly beyond his power to do or even significantly influence as President).
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...One of his cornerstones is 'Control medical costs' and another is 'Recruit doctors and nurses for underserved areas' (both utterly beyond his power to do or even significantly influence as President).
Socialist code-speak for wage and price controls.
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Socialist code-speak for wage and price controls.
Wage and price controls have about as much chance of working on the medical profession as BHO's "95%" tax decrease. They are unbelievably adept at parsing services and labor into an indecipherable tangle, and then modifying protocols to justify entirely new fee structures as soon as insurance companies finally figure out they were billed $10 for an OTC ibuprofen tab.
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Socialist code-speak for wage and price controls.
Also code-speak for more Indian Muslim Doctors.
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When one deducts all the donations to the Obama campaign. Maybe they can't really afford anything
And the necessary donations to DU as well. Do they have stars by their name? lol
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You unfeeling bastard - don't you know what tofu and organic greens cost these days? :-)
It's only because "Teh Wun" couldn't get more guys to grow arugula, dontcha know.
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It's only because "Teh Wun" couldn't get more guys to grow arugula, dontcha know.
He should be able to quadruple the growth rate by the laying on of his wholly hands.