Supreme Court slowly killing 'Obamacare'

[xmcp123]

I pay 33% of my personal income when most people pay NOTHING. My neighbor across the street has 7 kids, all on free government insurance - MINE DON'T QUALIFY FOR THE PROGRAM BECAUSE MY INCOME IS TOO HIGH! I pay for my kids insurance and then I get to pay pay for his kids insurance.

He drives a NICER CAR than I DO! I have a six year old car that I paid cash for used.

His wife doesn't work so they have 9 family members on one income and qualify for food stamps. They are Muslims and don't believe in birth control. It's like a baby factory or "captive breading program" that the rest of us pay for. The guys yard looks like crap.

I get up every morning at 5:00 and work sometimes til late at night. How dare you be embarrassed at how I live and spend my own money. What gives you the right?

Yes, I take two vacation cruises a year and I have my own boat -I don't even have time to use my boat - but I have them because I EARNED THEM.

Yes I DESERVE a better life than the guy across the street, because he is a MOOCH that thinks he is somehow entitled to live off my efforts.

Not that I entirely disagree with what you've said here...but if you're driving a 6 year old car after paying 33% in taxes you are not the top 1%. If you're paying 33% in taxes you are certainly not the top 1%.
The guys at the top aren't paying anywhere near that.

 

[Fastb]

At least with the public option, the government could have came in as another competitor within the private industry, squished some heads, and got prices lower for you guys.

It doesn't work like that. Government does not tolerate competition. They regulate their competitors right out of business. Look at what they did with Amtrac, door to door postal service, student loans, etc.

What on earth would make anyone think that government could compete on a level playing field with the open market? Look at what Fedex and UPS have done to those lazy, arrogant, worthless clowns at the post office when it comes to overnight shipments (one of the few industries where they simply could not create a monopoly).

I went to the post office and there where over a dozen people in line and one of the two working clerks just closed his station and went off to lunch. True story. Instead of waiting until the line went down and trying to help people he just looked at the clock and left us standing in line. That would not be tolerated in the private sector.

 

[Beach Affiliate]

I pay 33% of my personal income when most people pay NOTHING. My neighbor across the street has 7 kids, all on free government insurance - MINE DON'T QUALIFY FOR THE PROGRAM BECAUSE MY INCOME IS TOO HIGH! I pay for my kids insurance and then I get to pay pay for his kids insurance.

He drives a NICER CAR than I DO! I have a six year old car that I paid cash for used.

His wife doesn't work so they have 9 family members on one income and qualify for food stamps. They are Muslims and don't believe in birth control. It's like a baby factory or "captive breading program" that the rest of us pay for. The guys yard looks like crap.

I get up every morning at 5:00 and work sometimes til late at night. How dare you be embarrassed at how I live and spend my own money. What gives you the right?

Yes, I take two vacation cruises a year and I have my own boat -I don't even have time to use my boat - but I have them because I EARNED THEM.

Yes I DESERVE a better life than the guy across the street, because he is a MOOCH that thinks he is somehow entitled to live off my efforts.

Relevant:

In Entitlement America, The Head Of A Household Of Four Making Minimum Wage Has More Disposable Income Than A Family Making $60,000 A Year | ZeroHedge

 

[Fastb]

Not that I entirely disagree with what you've said here...but if you're driving a 6 year old car after paying 33% in taxes you are not the top 1%. If you're paying 33% in taxes you are certainly not the top 1%.
The guys at the top aren't paying anywhere near that.

The top rate is 35% so I might not be in the top 1% yet, but i'm close enough to tell you that is sucks to be one of the few people paying and then have lazy high-school dropouts protest you and tell you your not paying your fair share.

The capital gains tax is a lower percentage, true, but that's only because the money was already taxed once before at the higher rate.

That makes it look like they are paying a lower rate, but its because it's they paid taxes once when they earned the money and paid a lower rate the second time after they invested the same money. The top one percent don't work 9 to 5 jobs, they make their money investing the money they earned and already paid taxes on once.

This means that if I save up $100,000 after tax income and invest it and turn it into $120,000 I don't have to pay 33% on the investment income, just 15% on that revenue.

Then everybody thinks i'm getting off easy and not paying my fair share because I have a 15% tax rate?

 

[lukep]

Relevant:

In Entitlement America, The Head Of A Household Of Four Making Minimum Wage Has More Disposable Income Than A Family Making $60,000 A Year | ZeroHedge

Oy vey. Good article that. I wish ppl like nuiloa could understand the significance of this chart:

 

[Beach Affiliate]

Oy vey. Good article that. I wish ppl like nuiloa could understand the significance of this chart:

Dumb fuck liberals will say that this is "fair" since everyone should have equal access to...well...EVERYTHING no matter if they get off their lazy asses and work for it or not.

Of course, if you do get off your lazy ass and work for what you have, YOU HAVE TO SHARE IT BECAUSE YOU'RE RICH AND GREEDY RAARRRRR!

I fucking hate liberals. So fucking useless and stupid.

 

[BigWill]

Oy vey. Good article that. I wish ppl like nuiloa could understand the significance of this chart:

Ive honestly contemplated no longer taking paychecks and changing corporate structure so I no longer pass profits onto myself. Or take a small paycheck like $400/month. That way I would get everything for free and at least get SOME of my tax money back.

Hell it would nice to goto the emergency room for a cold or cause I had a temp or cause I just wasn't feeling good that day. I would spend all my snap and foodstamps on lobsters, beer, weed and mcdonalds.

 

[JerseyJoe]

Obamacare makes you a free person because now you can actually get health insurance without having to worry about paying for health care and putting food on the table.

so freedom and liberty for you at the expense of mine


brilliant

 

[jonas33h]

Living in Boston, we've had universal health care and the individual mandate ever since Romney passed it back when he was governor. I can honestly tell you: It's not that big a deal.

I pay about $200/month for a basic insurance plan that covers pretty much all my costs when I visit the doctor, plus one dental cleaning a year. I see the doctor 2-3 times a year and I pretty much break even, and I don't have to worry about being crushed by debt if I end up in the hospital.

The level of hysteria about the individual mandate is insanely out of proportion to reality.

You only talk about your self so I am assuming that you are not covering anyone else under that $200. So with that said, that shit is crazy expensive which makes it very bad what the fuck are you talking about when I had single person coverage I was paying $20 a month for co-pay everything, including dental, and vision. . .

I could of had my dick ripped off stuffed into my vagina cave of aides and had ass stiched to my face for a $15 co-pay. no restriction on which doctor I saw seriously better than any insurance I have ever seen.


But even now I cover myself, wife, and two kids with not as good insurance for around $160 and it's still decent and covers everything i need it to.



Seriously who goes to the doctor that often I have been to the doctor 3 times in like 7 years I called my doctor a while back and they removed me as a patient because I hadn't been there in so long lol.


It's not that bad when the government also tells you when, where, how, and IF you can even shit bro. In the state of ohio we just a passed a law that says you can't fuck your wife unless you get a judge to fuck her first. . .it's not that bad. Just let the government tell you it's cool and then it is.

 

[rish3]

Here's what ObamaCare has done for me. I own a brick-and-mortar with a medium number of employees. I happen to offer 100% paid health insurance as a way of competing for good employees (hard to find / highly paid skill).

These are the costs, per month, PER EMPLOYEE ( different column if just employee insured, versus employee+child, employee+spouse, or employee+family)

The monthly cost was about 1/2 this level 5 years ago when I initially started the business.

 

[schockergd]

Government rules and regulations are killing healthcare, not helping it.

In my small town of 11,000 a general practitioner who owns his own , small office is paying over $250k in malpractice insurance PER YEAR. He hasn't had a claim in the past 30+ years. He's REQUIRED to pay for that insurance, even though the total liability from wrongful death is only $1m.

 

[amateursurgeon]

The auto insurance comparison is invalid.

Drive a car, and you are voluntarily using a potentially lethal instrument that could maim or kill dozens of people. It's right that you should be required to insure against that.

Fail to get healthcare, and it's only you that suffers.

 

[BigWill]

Government rules and regulations are killing healthcare, not helping it.

In my small town of 11,000 a general practitioner who owns his own , small office is paying over $250k in malpractice insurance PER YEAR. He hasn't had a claim in the past 30+ years. He's REQUIRED to pay for that insurance, even though the total liability from wrongful death is only $1m.

My mom has been a nurse for a long time. She now spends most of her nights doing "charting". In the last 4 years she said so many people have switched to government health care, the hospital she works for is about to go bankrupt due to lower pay for longer hours. Not only do they pay less than private health insurance but she has to do 10x the paperwork for each patient. Many of the more skilled nurses have left so they are stuck hiring less qualified nurses at lower pay.

Not only is it going to bankrupt the hospital but the quality of healthcare has went to shit. She was telling me how several people die each month because of med mix ups, improper care, ect.. Not due to neglect, more due to skill level. This NEVER happened.

Most people don't understand that healthcare is someones job, you can't force them to give it you. Or atleast, shouldn't be able to.

 

[lukep]

Ive honestly contemplated no longer taking paychecks and changing corporate structure so I no longer pass profits onto myself. Or take a small paycheck like $400/month. That way I would get everything for free and at least get SOME of my tax money back.

Hell it would nice to goto the emergency room for a cold or cause I had a temp or cause I just wasn't feeling good that day. I would spend all my snap and foodstamps on lobsters, beer, weed and mcdonalds.

If we "47%ers" banded together and took advantage of the system this way together we could absolutely DESTROY the entitlement systems. We could make it so NOBODY is paying their taxes and there would be a "run on the bank" of the congressional entitlements of all kinds at once. -They'd go totally broke in months.

All it would take is a (sturdy) central website telling people like us how to take advantage of the system (set up your corp, only pay yourself minimum wage, apply of all possible benefits) and make it easy for protesters to do so.

So.... Damn... Tempting....

 

[charlesmartel]

Here's what ObamaCare has done for me. I own a brick-and-mortar with a medium number of employees. I happen to offer 100% paid health insurance as a way of competing for good employees (hard to find / highly paid skill).

These are the costs, per month, PER EMPLOYEE ( different column if just employee insured, versus employee+child, employee+spouse, or employee+family)

The monthly cost was about 1/2 this level 5 years ago when I initially started the business.

Holy crap! I would get them on Health Savings Accounts. Put the fatties on treadmills to power your building and hand out some books on paleo diets. More info Navigate to a Health Savings Account - Accountholders - HSA Bank

 

[rish3]

Holy crap! I would get them on Health Savings Accounts. Put the fatties on treadmills to power your building and hand out some books on paleo diets. More info Navigate to a Health Savings Account - Accountholders - HSA Bank

Heh. Most people don't know this is what it really costs. They pay a couple hundred a month at work, and don't get that their workplace is subsidizing the rest.

Now, I do offer a REALLY GOOD plan, with low deductibles, 100% in-patient coverage, etc. However, the cheapest plan is still about $940/month for employee + family.

 

[charlesmartel]

Heh. Most people don't know this is what it really costs. They pay a couple hundred a month at work, and don't get that their workplace is subsidizing the rest.

Now, I do offer a REALLY GOOD plan, with low deductibles, 100% in-patient coverage, etc. However, the cheapest plan is still about $940/month for employee + family.

I pay about $120/month for a high-deductible plan. For the price you're paying, you could even toss in the couple thousand contribution limits and you'd still be coming out ahead.

You should consider offering the HSA's. The employee gets to keep the unused funds in his account. They can accumulate over the years and pay for all kinds of expenses, e.g, eyeglases, etc. I've got thousands in mine which will pay the deductible one day if I need to use it.

The best thing about HSA's is that they give you an incentive to stay healthy.

 

[Fastb]

If we "47%ers" banded together and took advantage of the system this way together we could absolutely DESTROY the entitlement systems. We could make it so NOBODY is paying their taxes and there would be a "run on the bank" of the congressional entitlements of all kinds at once. -They'd go totally broke in months.

All it would take is a (sturdy) central website telling people like us how to take advantage of the system (set up your corp, only pay yourself minimum wage, apply of all possible benefits) and make it easy for protesters to do so.

So.... Damn... Tempting....

You would have to host in in Cuba, Iran, or North Korea to keep the US govt from shutting it down. They arrested some guy in Florida a few years back for teaching people how to keep their cash offshore, said he was teaching tax fraud.

That said, I too am tempted.

 

[xmcp123]

If we "47%ers" banded together and took advantage of the system this way together we could absolutely DESTROY the entitlement systems. We could make it so NOBODY is paying their taxes and there would be a "run on the bank" of the congressional entitlements of all kinds at once. -They'd go totally broke in months.

All it would take is a (sturdy) central website telling people like us how to take advantage of the system (set up your corp, only pay yourself minimum wage, apply of all possible benefits) and make it easy for protesters to do so.

So.... Damn... Tempting....

With an S-Corp you are legally required to pay yourself a "reasonable officer's salary". I'm not sure what the specific boundary for that is(or if it exists) but I'm damn sure it's not minimum wage.

 

[lukep]

With an S-Corp you are legally required to pay yourself a "reasonable officer's salary". I'm not sure what the specific boundary for that is(or if it exists) but I'm damn sure it's not minimum wage.

Arrgh. Knew it sounded too good to be true.

Is that a federal law about corporations, or is does it vary from state to state like most corps' laws do? Perhaps Nevada and Wyoming allow those numbers to be far lower... ?

I agree it would need to be hosted in China though. Assange and Dotcom are both great examples of the kind of response I'd expect to see towards the head dude... I'll say up front that I'm not brave enough to run this but I'd be interested in seeing someone else do so.