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  1. #51
    GTL: Gym, Tan, Laundry Thunder Dan's Avatar
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    So because our government is dumb, I should limit my choices of automobile? EVERYBODY looks out for number 1; the system needs to be aware of, and take advantage of, that fact.
    well Toyota lobbied back in the early 80's to push towards stricter EPA standards because they knew that would cripple the US auto industry- which fueled dozens of other industries. We have seen what that has done to our economy in the north. Now, when it come time to buy a car, people will go buy a car from someone that paid our own representatives to pass laws to ultimately us.


    You are right, people will look out for themselves, but that's not saying it is right. I don't think it's right that Nissan and Toyota lobbied in the early 80s spending over $100 million dollars that ended up in pockets of lawmakers to pass laws that favored foreign automakers and hurt US automakers. That is bull , and buying foreign products when you have a choice is siding with that.


    But it's not just cars. It's everything. Cars is the easy one because it is so obvious and the US auto industry fuels the steel industry, the rubber industry, banking, everything..

  2. #52
    Retired Ray xrayzebra's Avatar
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    Speaking of that, where do you think interest rates on mortgages are going? They've been going up the last couple of weeks. I'm looking at buying a home and got a good rate locked in (6.25%), seems like the rates keep going up each week.

    Should I wait it out for a lower rate or take this and run?
    One other thing to look at. Payoff, look at the monthly
    payments at the 15, 20, 25 year payoff period. You may
    be surprised at the small increase in payments you make.
    You may even be able to negotiate a lower interest rate
    with a shorter pay off period.

  3. #53
    Retired Ray xrayzebra's Avatar
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    The government needs to come down on the price gouging that constantly occurs in the medical field.
    The friggin government is the one who cause the price
    gouging with the constant interfering with prices.

    Government gets involved, duck.

  4. #54
    needs a margarita
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    Quote:

    Originally Posted by peewee's lovechild



    The government needs to come down on the price gouging that constantly occurs in the medical field.
    The doctor can bill 2000 for an office visit if he wants. But if the insurance company will only pay $50 for said visit, the doc will only get paid the $50. He can't bill the patient for difference. I'm pretty sure the difference gets paid when the deductible is involved.

    I'm not sure with private insurances, but with Medicare, if my husband does surgery, he cannot bill for 90 days post-op regardless how many times he's seen the patient.

    The whole insurance industry needs an overhaul, but Universal Healthcare isn't the answer.

  5. #55
    Spur-taaaa TDMVPDPOY's Avatar
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    htf are you guys going to decrease NFD when ur dollar keeps on depreciating and china keeps on buyin your bonds dont you owe them like 1trillion? PWNED?

  6. #56
    Spur-taaaa TDMVPDPOY's Avatar
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    The doctor can bill 2000 for an office visit if he wants. But if the insurance company will only pay $50 for said visit, the doc will only get paid the $50. He can't bill the patient for difference. I'm pretty sure the difference gets paid when the deductible is involved.

    I'm not sure with private insurances, but with Medicare, if my husband does surgery, he cannot bill for 90 days post-op regardless how many times he's seen the patient.

    The whole insurance industry needs an overhaul, but Universal Healthcare isn't the answer.
    places that do bulk billing/medicare/aid, you get them receipts and goto the local office of medicare, they should reimbursed you the difference....the govt is tryin to decrease funding medicare, cause some ppl exploit the system

  7. #57
    i hunt fenced animals clambake's Avatar
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    htf are you guys going to decrease NFD when ur dollar keeps on depreciating and china keeps on buyin your bonds dont you owe them like 1trillion? PWNED?
    being china's is trendy.

  8. #58
    needs a margarita
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    places that do bulk billing/medicare/aid, you get them receipts and goto the local office of medicare, they should reimbursed you the difference....the govt is tryin to decrease funding medicare, cause some ppl exploit the system
    What? Reimburse who?

  9. #59
    Live by what you Speak. DarkReign's Avatar
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    Let's start a revolution.

    I'll buy a rifle this weekend if people are up for it.
    Sarcastic or not, you realize that statement is a federal crime, and if found to have any "plans" to that point, you'd be executed.

    The more you know.

  10. #60
    Displaced 101A's Avatar
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    The doctor can bill 2000 for an office visit if he wants. But if the insurance company will only pay $50 for said visit, the doc will only get paid the $50. He can't bill the patient for difference. I'm pretty sure the difference gets paid when the deductible is involved.
    It's not because of it being paid by the insurance; it's because your husband is a "preferred provider" of that carrier. They have a contractual arrangement with him for what he can charge. If a patient sees him that has an insurance plan your husband does not have a contract with; you can balance bill all you want (and you ought to get paid). Deductible doesn't matter; the patient gets the benefit of the negotiated discount, even if they have not yet met their deductible.

    I'm not sure with private insurances, but with Medicare, if my husband does surgery, he cannot bill for 90 days post-op regardless how many times he's seen the patient.
    It depends on the procedure. Post-op charges are included with the original surgery charges. Open heart, for instance, will have a longer window than appendectomy.

    The country needs to have a serious discussion about the way we access and pay for healthcare. Universal healthcare coverage is something a modern, civilized society ought to have, but the government paying for it isn't the answer.
    Fixed.

  11. #61
    needs a margarita
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    It's not because of it being paid by the insurance; it's because your husband is a "preferred provider" of that carrier. They have a contractual arrangement with him for what he can charge. If a patient sees him that has an insurance plan your husband does not have a contract with; you can balance bill all you want (and you ought to get paid). Deductible doesn't matter; the patient gets the benefit of the negotiated discount, even if they have not yet met their deductible.

    It depends on the procedure. Post-op charges are included with the original surgery charges. Open heart, for instance, will have a longer window than appendectomy.

    Fixed.
    Yes, that is true. My point was that because he has an agreement with the insurance companies, he can't 'price gouge'. I think the only insurance he doesn't take is Aetna because they aren't accepting new providers. But then again, he has very few Aetna patients.

    For him, Medicare is 90 days.

  12. #62
    ATRAIN is gay peewee's lovechild's Avatar
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    Sarcastic or not, you realize that statement is a federal crime, and if found to have any "plans" to that point, you'd be executed.

    The more you know.
    So, yea, I want to take up arms against our government.

    This needs to end.

  13. #63
    Since 1979 Das Texan's Avatar
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    If i were you? dont buy now

    you see alot of ppl are struggling to pay their mortgages now,

    alot of ppl a defaulting on their homes,

    it looks like there be a bargain out there due to this, but in hind site NO.

    ONLY winners here? are banks and realtors.

    wait till the recession is over, interest rate decreases and a huge supply of houses on the market.

    realtors aint winnning right now. Banks are taking huge losses on mortgages.

    It may change, but thats not the case right now.

    The real winners will be saavy investment oriented people that have the funding to pick up foreclosed houses and then be able to flip them, making nice profits along the way.

  14. #64
    Believe.
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    So, yea, I want to take up arms against our government.

    This needs to end.
    You are the worst kind of American......actually you are not deserving of being called an American.

  15. #65
    Forum Official Personal Life Coach BacktoBasics's Avatar
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    As far as I'm concerned the system is too far shot for any small improvement to make any difference at all. even 10 or 20 small improvements would do nothing significantly to help anyone. I was forced a long time ago to decide whether I was going to continue to try and be a good American citizen and work within the rules or am I going to stretch the outer limits of the law to give myself and my family an edge. I chose the edge simply because no matter what happens and no matter who's in office and no matter whats fair or just or right the do gooders get the shaft in the end. Poor people get help, rich people get help, skin color gets help, non americans get help from food to tuition to ing everything. The people that suffer the most are the people that work the hardest in middle to slightly upper middle class. They get the least.

    So here's what I did....

    I specifically did not get married but file jointly claiming her and I's kids. Perfectly legal since I support all of them and reside under one roof. About a 3k return advantage. Along with not legally being married and unemployeed my wife can collect health insurance for my son I would otherwise not have and about 300 dollars in food stamps a month plus WIC or whatever you people call it. I cheat the system because the system fails in nearly every capacity know to man.

    My Wife wanted to go back to work to help out financially. She specifically found work cleaning that paid cash only so she can continue to collect the benefits for being unemployeed. Along with avoiding taxes.

    I have no advantages because I'm white and earn an income exceeding 50k a year. I work for a good employeer who pays well with zero benefits just like so many other people out there. I lose a good 25% of my income like everyone else. Everyone justifies more and more expense each day. I refuse to continue to work within the lines because the lines are a ing new fail at every turn and simply make no sense whatsoever. You can either play with the loser or do what you need to do to survive in the short life we're given.

    The American way is how can I do for me instead of how can I do for each other. I learned that a long time ago and its a painful realization but its true. I'm not going to short change my family by hiding behind god or doing whats right any longer I don't believe you can survive and enjoy the benefits of your hard work playing by the rules. I would however absolutely revisit my motives if the system were to be overhauled. I do what I feel is fair whether you people like it or not because if opportunity arises you'd ing me sideways for the advantage.

  16. #66
    bandwagon hater
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    name me one country where government healthcare is SUCCESSFUL. Not just there, but successful. You cant, it doesnt exists.

    It doesnt work.

  17. #67
    ATRAIN is gay peewee's lovechild's Avatar
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    You are the worst kind of American......actually you are not deserving of being called an American.
    Tell that to Thomas Jefferson who said that we should have a revolution every 20 years or so to keep the government from becoming too powerful.

    He was a horrible American.

    He didn't deserve to be called an American.

  18. #68
    Purrrrrrrrrrrr Holt's Cat's Avatar
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    I have no advantages because I'm white
    You didn't receive the special white card at birth?

  19. #69
    Since 1979 Das Texan's Avatar
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    Adam Rabel
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    well Toyota lobbied back in the early 80's to push towards stricter EPA standards because they knew that would cripple the US auto industry- which fueled dozens of other industries. We have seen what that has done to our economy in the north. Now, when it come time to buy a car, people will go buy a car from someone that paid our own representatives to pass laws to ultimately us.


    You are right, people will look out for themselves, but that's not saying it is right. I don't think it's right that Nissan and Toyota lobbied in the early 80s spending over $100 million dollars that ended up in pockets of lawmakers to pass laws that favored foreign automakers and hurt US automakers. That is bull , and buying foreign products when you have a choice is siding with that.


    But it's not just cars. It's everything. Cars is the easy one because it is so obvious and the US auto industry fuels the steel industry, the rubber industry, banking, everything..

    Detroit ed themselves on that one by buying numerous patents for better fuel efficency and then dumping them in some warehouse somewhere.

    Don't think Detroit didnt lobby the US Government for less strict standards when it came to MPG. They did and along with Big Oil they were very successful for years.

    Its just because the people themselves are demanding better fuel economy that its coming back to them, and the Government has no choice but to listen to the people or else they wont continue to get their own fat paychecks.

    So dont go about trying to absolve Detroit of their sins. They played the same game and they are coming up losers now.

  20. #70
    Since 1979 Das Texan's Avatar
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    Adam Rabel
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    The doctor can bill 2000 for an office visit if he wants. But if the insurance company will only pay $50 for said visit, the doc will only get paid the $50. He can't bill the patient for difference. I'm pretty sure the difference gets paid when the deductible is involved.

    I'm not sure with private insurances, but with Medicare, if my husband does surgery, he cannot bill for 90 days post-op regardless how many times he's seen the patient.

    The whole insurance industry needs an overhaul, but Universal Healthcare isn't the answer.


    its a writeoff. my understanding is that doctors and hospitals charge so high, knowing they wont get it all back to write it off a portion of it on their taxes.

    or so i have heard.

  21. #71
    Displaced 101A's Avatar
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    its a writeoff. my understanding is that doctors and hospitals charge so high, knowing they wont get it all back to write it off a portion of it on their taxes.

    or so i have heard.
    No.

  22. #72
    GTL: Gym, Tan, Laundry Thunder Dan's Avatar
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    So, yea, I want to take up arms against our government.

    This needs to end.
    Our government is complete bull . I don't want to fight them physically but it is bull . They make more money from lobbyists than they do from their actual salary, that is the most concerning thing. It's all a bunch of rich people scratching eachothers' backs. The terms are only 2-4 years, so it's no sweat off their balls if something goes terrible 15 years down the road for something they did. The most concerning thing is foreign lobbyists and how is is completely legal for political figures to take money from BOTH foreign and domestic lobbyists. I need one person to tell me how that benefits anyone.....you can't there is no reason. It will never change because one congress man can pass anything on his own- and plus, if he came in thinking to change it, it would basically be taking huge paycuts for himself.


    For anyone that is still with me: I used the example of foreign car makers in a earlier post, but let me tell you what happened and you tell me if you think it is the best for our country.


    In the early 80's Japanese automakers like Nissan and Toyota (not European companies) spent hundreds of millions of dollars to convince the US government that the government needed to impose stricter EPA standards (yes you are reading this right, the people of Japan wanted the USA to change over night and the US agreed) Now, you might be thinking 'well better EPA standards are good', which is not completely false; HOWEVER the reasons why those automakers wanted us to change overnight is not because of our own wellbeing- they could give a about that. The reason they spent hundreds of millions was because they were already making cars that met those requirements, and they knew the US automakers couldn't convert quickly enough to keep their market share. On top of that, those foreign companies were given tax credits for meeting those standards, and the US automakers were charged more because they were unable to meet the guidelines right away.

    So basically the motto of this story is, who gives a crap about our own well being. Japanese companies basically came in to America, paid enough to change our laws to help their own business, and now they are reaping the rewards. How can this happen? How is it fully legal for a Representative to take upwards of $1,000,000 from a foreign company? Those reps didn't care about the economy in 2008, they just did enough so things wouldn't crumble under their own watch, and took the money and ran.


    There is our biggest problem. That is why our government is bull . It's the same for Hillary getting bought off of her Health Care idea a couple years ago.

    Detroit ed themselves on that one by buying numerous patents for better fuel efficency and then dumping them in some warehouse somewhere.

    Don't think Detroit didnt lobby the US Government for less strict standards when it came to MPG. They did and along with Big Oil they were very successful for years.

    Its just because the people themselves are demanding better fuel economy that its coming back to them, and the Government has no choice but to listen to the people or else they wont continue to get their own fat paychecks.

    So dont go about trying to absolve Detroit of their sins. They played the same game and they are coming up losers now.
    I'm not saying Detroit is completely innocent because they have made some complete bonehead moves, however, it should be noted that Japanese automakers do not play by the same rules as US automakers, which is very unfair. If anything the tax advantage should be for US companies and not visevera. There is a book on this and it is very eye opening in the same way The Wall Mart Effect is.

    But I do agree, Detroit never thought people would demand fuel economy

  23. #73
    Displaced 101A's Avatar
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    As far as I'm concerned the system is too far shot for any small improvement to make any difference at all. even 10 or 20 small improvements would do nothing significantly to help anyone. I was forced a long time ago to decide whether I was going to continue to try and be a good American citizen and work within the rules or am I going to stretch the outer limits of the law to give myself and my family an edge. I chose the edge simply because no matter what happens and no matter who's in office and no matter whats fair or just or right the do gooders get the shaft in the end. Poor people get help, rich people get help, skin color gets help, non americans get help from food to tuition to ing everything. The people that suffer the most are the people that work the hardest in middle to slightly upper middle class. They get the least.

    So here's what I did....

    I specifically did not get married but file jointly claiming her and I's kids. Perfectly legal since I support all of them and reside under one roof. About a 3k return advantage. Along with not legally being married and unemployeed my wife can collect health insurance for my son I would otherwise not have and about 300 dollars in food stamps a month plus WIC or whatever you people call it. I cheat the system because the system fails in nearly every capacity know to man.

    My Wife wanted to go back to work to help out financially. She specifically found work cleaning that paid cash only so she can continue to collect the benefits for being unemployeed. Along with avoiding taxes.

    I have no advantages because I'm white and earn an income exceeding 50k a year. I work for a good employeer who pays well with zero benefits just like so many other people out there. I lose a good 25% of my income like everyone else. Everyone justifies more and more expense each day. I refuse to continue to work within the lines because the lines are a ing new fail at every turn and simply make no sense whatsoever. You can either play with the loser or do what you need to do to survive in the short life we're given.

    The American way is how can I do for me instead of how can I do for each other. I learned that a long time ago and its a painful realization but its true. I'm not going to short change my family by hiding behind god or doing whats right any longer I don't believe you can survive and enjoy the benefits of your hard work playing by the rules. I would however absolutely revisit my motives if the system were to be overhauled. I do what I feel is fair whether you people like it or not because if opportunity arises you'd ing me sideways for the advantage.
    "You get what you pay for."

    Is a truism.

    Our government pays for these things (behaviors), so that is what we get. You want to add another government program? WHATEVER that program is designed to end - there will be MORE of that.

  24. #74
    needs a margarita
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    its a writeoff. my understanding is that doctors and hospitals charge so high, knowing they wont get it all back to write it off a portion of it on their taxes.

    or so i have heard.
    Oh, to the no!

    Our financials report income we receive only, plus we get 1099s from the insurance companies.

  25. #75
    Forum Official Personal Life Coach BacktoBasics's Avatar
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    You want to add another government program?
    To answer your question no because it'll just be another ed up way of doing something. Its like the kid that would rather spend 4 hours getting out of a 30 minute job.

    I would however like some health insurance. I have a swollen testicle three maybe four times the size of normal. I went to a regular check up and by regular I mean 190 dollars only to be reference to two more doctors who visitation bills would have neared 300 and 350 a piece. I stopped it right there. I didn't feel sick I haven't lost any weight so until I feel the cancer I'll do nothing because doing something would easily avalanche into half a years pay.

    I learned that when I had a hernia that I could no longer tolerate and it ran about 23k to have taken care of in its entirety. ing up nearly 3 years of my life to pay for it. Hence the lack of conscience when it comes to cheating the system.

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