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Author: Subject: My thoughts-President Elect-Trump

Ultimate Peach





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  posted on 11/9/2016 at 08:42 AM
Well, all along I have tried to stay positive, not believe the polls, keep cool when the GOP offered lacksidasical and schitzophrenic support to the Republican nominee , and feel my stomach churn when I tuned into MSNBC or CNN or surf over to the Washington Post or NYTimes.

This all out assault on a candidate whose message about jobs and the economy resonated was baffeling to me. Lackluster GDP growth. Only when the polls closed did the MSM start reporting that the numero uno issue with voters was the economy. Yet the MSM, with their own personal agenda, chose to not illustrate/report/investigate what many Americans knew. The rosy picture of the economy Pres Obama painted did not include many of them. A candidate with a strong economic message should have been a no-brainer, yet the DNC chose to nominate a crook without a strong message to take to the voters.


Now is not the time to start the DNC autopsy, but President Obama will go down as the only President who could not grow GDP over 2% in 8 years. Pathetic. President Obama will go down as the leader of the DNC who inflicted the most damage (lost seats) to his party in history. (2010, 2012, and 2016) .

Nominating a more inclusive candidate, allowing a free and fair nomination instead of a coronation, should be low hanging fruit for the DNC in 2024, after 8 years of a Trump Presidency.

 

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Zen Peach



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  posted on 11/9/2016 at 11:44 AM
So in his speech last night he said, It is time. I pledge to every citizen of our land that I will be President for all of Americans, and this is so important to me. For those who have chosen not to support me in the past, of which there were a few people, I'm reaching out to you for your guidance and your help so that we can work together and unify our great country.

Does that mean gays and lesbians can marry there partners and have the same rights as straight people?
In February will I be able to use the services at planned parenthood or other clinics?
If he gets rid of federal student loans and makes them all private, how does that help college students?
Why is he against making Community College free for high school graduates?
Will my brother who is currently searching for a job be able to stay on my parents health insurance?

So I guess I have more questions than answers about a Trump presidency. I only hope that Pence has no power as Indiana did not look like an attractive place to live under his leadership. Also I guess I'm worried about a businessman as president because it hasn't worked out to well for the state of Michigan these last 6 years.

 

Zen Peach



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  posted on 11/9/2016 at 11:58 AM
quote:
Why is he against making Community College free for high school graduates?


Why should it be free?

 

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Zen Peach



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  posted on 11/9/2016 at 12:37 PM
quote:
quote:
Why is he against making Community College free for high school graduates?


Why should it be free?


Free might be an overstatement. Using state and federal money to keep it affordable for students should be the goal. Those attending community college should be able to afford taking classes while working a part time job. Yet all I see is the costs continue to rise and I hope that doesn't turn off students who would benefit from attending.


 

Zen Peach



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  posted on 11/9/2016 at 12:48 PM
quote:
quote:
quote:
Why is he against making Community College free for high school graduates?


Why should it be free?


Using state and federal money to keep it affordable for students should be the goal.


And where does this State and Federal money come from ?

 

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Zen Peach



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  posted on 11/9/2016 at 04:14 PM
quote:
quote:
quote:
quote:
Why is he against making Community College free for high school graduates?


Why should it be free?


Using state and federal money to keep it affordable for students should be the goal.


And where does this State and Federal money come from ?


They come from taxes which everyone pays. In my opinion putting tax money into making higher education more affordable is a good use of that money. If you disagree then that's your opinion.

 

Maximum Peach



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  posted on 11/9/2016 at 04:57 PM
quote:
So in his speech last night he said, It is time. I pledge to every citizen of our land that I will be President for all of Americans, and this is so important to me. For those who have chosen not to support me in the past, of which there were a few people, I'm reaching out to you for your guidance and your help so that we can work together and unify our great country.


If I remember correctly all President-elects have made such a reference in their victory speech.

quote:

Does that mean gays and lesbians can marry there partners and have the same rights as straight people?

Well the Supreme Court has already spoken on that issue have they not?

From there it depends which Donald Trump is going to answer it. Pre-Republican nominee Trump, or Republican policy controlled Trump (which I hope we do not get). Here is to hoping he follows his conscious, which I suspect has no real want to keep gay people from living the lives they wish to. I am no gay rights advocate, but I feel the issue is small in terms of what else is out there, and I suppose it is debatable, but it doesn't harm many others in a real way. The violates it's religion crowd I mean. Religion is overrated anyway. Let the gay issue go GOP.

quote:
In February will I be able to use the services at planned parenthood or other clinics?

Again, depends on which Trump were to answer it. He has said planned parenthood does some very good things (in typical Trump vagueness). Again, let's hope party policy doesn't influence what some may say is a Trump soft line vs planned parenthood compared to some of his right-wing political rivals. Again, so many bigger issues GOP...let it go.

quote:
If he gets rid of federal student loans and makes them all private, how does that help college students?

You can't just start from this point and scrap the whole system, but honestly, the fact that so many loans and grants exist is precisely what drives tuition higher and higher. Normally tuition could not rise higher than their "customers" / students are able to pay. The fact that the ability of the "customers" / students is increased via the grant and loan system allows them to raise tuition higher than they normally would be able to. So in the end, we all pay more than we should...both the student and the tax payers funding the federal loans.


quote:
Why is he against making Community College free for high school graduates?


Community College should not be free, nor should health care...

I attended college out of high school, just because that is what you are supposed to do...at least that is what we are told. Ended up being a waste of money because I didn't finish, I didn't belong there. And I'm not alone, too many kids go to college out of high school, some do not get degrees while some others get degrees in field they end up not even working in. We should stop funneling high school students to the college system whether they are cut out for it or not. But in order to do this we need meaningful jobs available to individuals that do not require post-high school educations, which used to exist. Now everyone just goes to college and ends up chasing the same careers that don't offer enough employment opportunities to justify the college expenses.

quote:

Will my brother who is currently searching for a job be able to stay on my parents health insurance?


Not that long ago I was able to get a $70 a month private insurance plan (pre Obama care of course). Young + healthy = low premiums. If you don't have solid employment any additional monthly out-of-pocket payment makes a tight situation even tighter. But it goes back to jobs. If we had more job opportunities and better job options then more people are able to either afford their private insurance plans or in the current system are able to get it on most employer plans. An big problem for the Obamacare system is that people in their early 20s who do not need much care and just pay into the system have been kept from financially contributing to the system by keeping them on their parent's plans. In essence, eliminating revenue that the system should have coming in to help support it. It is one example of how the system isn't working well in terms of money coming in, where it comes from and what it means for the overall picture. I don't know the figures, but I would like to know, if the feature of staying on a parent's plan were removed, or not included in the Affordable Care Act to begin with...what impact would the premiums these young people paying into the system have? How many people fall into this category and how much would they otherwise be paying for their own private plans (or how much would otherwise be coming into a state health exchange under Obamacare)?

But again, it comes back to jobs, jobs, jobs, jobs. So much of what we do in society with social programs and assistance programs and welfare programs can be cured by jobs. But we address the symptom instead of addressing the illness. Jobs. When we have more and better jobs then people are able to rely upon themselves and their incomes for the things they need and want in life more than looking towards the government to help them get there.

[Edited on 11/9/2016 by nebish]

 

Universal Peach



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  posted on 11/9/2016 at 05:11 PM
Donald Trump and The Republicans have always said they want to “repeal and replace” Obamacare.
The corrupt liberal media and Democrats lied by repeatedly saying Donald Trump and The Republicans just want to “repeal” Obamacare.

Donald Trump and The Republicans have always said they will keep the stay on your parents plan part, keep the pre-existing conditions part and make sure healthcare insurance is available to everyone.

Even better and unlike Obama, the Congress and the People will all be able to read the replacement law prior to its vote.


 

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  posted on 11/9/2016 at 05:21 PM
quote:

Arizona Obamacare Plan To Jump By 116 Percent When Premiums Go Up Next Year
October 25, 2016 7:56 PM
Filed Under: Arizona, Health Care, Obamacare, President Obama
Obama Affordable Care Act

President Barack Obama is applauded after signing the Affordable Health Care for America Act during a ceremony with fellow Democrats in the East Room of the White House on March 23, 2010 in Washington, D.C. (Photo by Win McNamee/Getty Images)
2

NEW YORK (CBSNewYork/AP) — Arizona will be hit the hardest when Obamacare premiums go up next year.

The Department of Health and Human Services revealed Monday that premiums for a midlevel benchmark plan will increase an average of 25 percent across the 39 states served by the federally run online market, and that about 1 in 5 consumers will have plans only from a single insurer to pick from, after major national carriers such as UnitedHealth Group, Humana and Aetna scaled back their roles.

However, in Arizona, unsubsidized premiums for a hypothetical 27-year-old buying a benchmark “second-lowest cost silver plan” will jump by 116 percent, from $196 to $422, according to the administration report.

But HHS said if that hypothetical consumer has a fairly modest income, making $25,000 a year, the subsidies would cover $280 of the new premium, and the consumer would pay $142. Caveat: if the consumer is making $30,000 or $40,000, his or her subsidy would be significantly lower.


Sen. John McCain, R-Ariz., called the Affordable Care Act a “failure.”

“Arizona families are demanding affordability, accessibility and choice when it comes to their health care – not the expensive, restrictive and poor quality care that has been forced upon them by Obamacare,” McCain said in a statement. “Until President Obama and Congressional Democrats wake up to the law’s failure, and until we repeal and replace it with solutions that encourage competition and put patients back in charge, the Washington-knows-best approach will continue to unfairly burden the Arizona families it was supposed to help.”

Obama administration officials are stressing that subsidies provided under the law, which are designed to rise alongside premiums, will insulate most customers from sticker shock. They add that consumers who are willing to switch to cheaper plans will still be able to find bargains.

“Headline rates are generally rising faster than in previous years,” acknowledged HHS spokesman Kevin Griffis. But he added that for most consumers, “headline rates are not what they pay.”

The vast majority of the more than 10 million customers who purchase through HealthCare.gov and its state-run counterparts do receive generous financial assistance. “Enrollment is concentrated among very low-income individuals who receive significant government subsidies to reduce premiums and cost-sharing,” said Caroline Pearson of the consulting firm Avalere Health

But an estimated 5 million to 7 million people are either not eligible for the income-based assistance, or they buy individual policies outside of the health law’s markets, where the subsidies are not available. The administration is urging the latter group to check out HealthCare.gov. The spike in premiums generally does not affect the employer-provided plans that cover most workers and their families.

Republicans, including Donald Trump, are united in calling for complete repeal, but they have not spelled out how they would address the problems of the uninsured.

Hillary Clinton has proposed an array of fixes, including sweetening the law’s subsidies and allowing more people to qualify for financial assistance.

The law makes carrying health insurance a legal obligation for most people, and prohibits insurers from turning away the sick. It offers subsidized private plans to people who don’t have coverage through their jobs, along with a state option to expand Medicaid for low-income people.

Largely as a result, the nation’s uninsured rate has dropped below 9 percent, a historically low level. More than 21 million people have gained coverage since the Affordable Care Act passed in 2010.

 

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  posted on 11/9/2016 at 05:45 PM
quote:
Nominating a more inclusive candidate, allowing a free and fair nomination instead of a coronation, should be low hanging fruit for the DNC in 2024, after 8 years of a Trump Presidency.



There are a lot of reasons Donald Trump won, but the last thing I would call him is "inclusive".

 

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Universal Peach



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  posted on 11/9/2016 at 06:47 PM
quote:
quote:
Nominating a more inclusive candidate, allowing a free and fair nomination instead of a coronation, should be low hanging fruit for the DNC in 2024, after 8 years of a Trump Presidency.



There are a lot of reasons Donald Trump won, but the last thing I would call him is "inclusive".

__________________________________________________________________________

Donald Trump won a higher percentage of Hispanic/Latinos and Blacks than Mitt Romney got.
Notice that the corrupt liberal media isn't reporting the demographic breakdown of the actual voters?
Yet...


 

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  posted on 11/9/2016 at 07:16 PM
hello Mule my friend, hope you have been well.

one thing that trump has planned for the future is rebuilding our infrastructure. republicans have fought for the last 8 years against that kind of spending. how do you feel about it and how do you think trump will fund it? funding it has been the biggest issue i think for the last 8 years.

maybe it is to early to ask these questions...one day after the election. maybe should give you time to celebrate for a few weeks or months

but this is an issue both republicans and dems seem to finally agree on....other than spending for it.

again, good to see you. congrats.

 

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  posted on 11/9/2016 at 07:26 PM
quote:
quote:
There are a lot of reasons Donald Trump won, but the last thing I would call him is "inclusive".


Donald Trump won a higher percentage of Hispanic/Latinos and Blacks than Mitt Romney got.
Notice that the corrupt liberal media isn't reporting the demographic breakdown of the actual voters?
Yet...



I'm speaking to policies. Yes, of course, sure the Cubans are happy about Trump, but deportation and xenophobia aren't exactly inclusive. Trump may have won a higher percentage than Romney, but he still only got 33%, which is not even close to a majority. Romney also got creamed by Obama, so why compare?

Donald Trump's supporters were absolutely more passionate about their candidate than Hillary Clinton's supporters, but this was still an incredibly close election, hardly a mandate. Hillary Clinton has had 30 years of the media tearing her down and marginalizing her, people can't get excited about her any more than the Republican base could get excited about yet another Bush. Trump managed to have the Jesse Ventura factor, claiming to be an outsider, and rational people wanted something to get excited about. It reminds me of 2000 when even though the economy was pretty comfy, Al Gore barely lost to George Bush mostly because the public hadn't been staring at his face for 8 years. But the DNC anointed Hillary, and Bernie's supporters begrudgingly supporter her, because those who didn't vote for Trump find him absolutely frightening. Anyone who knows anything about behavior can see he's terribly insecure, which is a huge concern.

But Trump made middle America think he could bring their jobs back (he likely can't do much, Youngstown should look to Pittsburgh's example and remake itself rather than pine for lost factories). John Kerry attempted to make the 2004 election about lost jobs in OH and MI, but it didn't matter to most people in the middle of foreign conflicts. Hillary was likely over-confident, I don't blame her. Polls showed her ahead and Trump's behavior was baffling and disappointing, even to his running mate and some supporters. SNL didn't even use a full-time cast member to impersonate him - why bother, right?

But I'm hoping for the best. I've said this before, but the Presidential race isn't about winning, it's about us all prospering together, doing what's best for the people. Even though cable news likes to concentrate on the horse race, it's not an athletic competition. The American public is fickle and easily bored, I always knew the pendulum would swing back to the GOP, I think it's amazing how off the polls were. I'm hoping some of the hateful things Trump has said is the rhetoric of a performer with no filter. Because no one wants to drink New Coke for 4 years.

 

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  posted on 11/9/2016 at 09:47 PM
quote:
quote:
quote:
There are a lot of reasons Donald Trump won, but the last thing I would call him is "inclusive".


Donald Trump won a higher percentage of Hispanic/Latinos and Blacks than Mitt Romney got.
Notice that the corrupt liberal media isn't reporting the demographic breakdown of the actual voters?
Yet...



I'm speaking to policies. Yes, of course, sure the Cubans are happy about Trump, but deportation and xenophobia aren't exactly inclusive. Trump may have won a higher percentage than Romney, but he still only got 33%, which is not even close to a majority. Romney also got creamed by Obama, so why compare?

Donald Trump's supporters were absolutely more passionate about their candidate than Hillary Clinton's supporters, but this was still an incredibly close election, hardly a mandate. Hillary Clinton has had 30 years of the media tearing her down and marginalizing her, people can't get excited about her any more than the Republican base could get excited about yet another Bush. Trump managed to have the Jesse Ventura factor, claiming to be an outsider, and rational people wanted something to get excited about. It reminds me of 2000 when even though the economy was pretty comfy, Al Gore barely lost to George Bush mostly because the public hadn't been staring at his face for 8 years. But the DNC anointed Hillary, and Bernie's supporters begrudgingly supporter her, because those who didn't vote for Trump find him absolutely frightening. Anyone who knows anything about behavior can see he's terribly insecure, which is a huge concern.

But Trump made middle America think he could bring their jobs back (he likely can't do much, Youngstown should look to Pittsburgh's example and remake itself rather than pine for lost factories). John Kerry attempted to make the 2004 election about lost jobs in OH and MI, but it didn't matter to most people in the middle of foreign conflicts. Hillary was likely over-confident, I don't blame her. Polls showed her ahead and Trump's behavior was baffling and disappointing, even to his running mate and some supporters. SNL didn't even use a full-time cast member to impersonate him - why bother, right?

But I'm hoping for the best. I've said this before, but the Presidential race isn't about winning, it's about us all prospering together, doing what's best for the people. Even though cable news likes to concentrate on the horse race, it's not an athletic competition. The American public is fickle and easily bored, I always knew the pendulum would swing back to the GOP, I think it's amazing how off the polls were. I'm hoping some of the hateful things Trump has said is the rhetoric of a performer with no filter. Because no one wants to drink New Coke for 4 years.


_______________________________________________________________________

“deportation and xenophobia”

You forgot to include a few things.

On deportation it is for illegal aliens exactly as our law states.

On xenophobia Trump said he, as most Americans want, that the “refugees” from terrorist nations be thoroughly vetted because as the FBI Director, The DNI and THE DCI have all said publically we know ISIS and Al Qaeda have terrorists planted in their ranks and cannot be vetted.

That is not “xenophobia”. That is national security a Presidents first responsibility.
If you need more on that ask The Germans or French.


 

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  posted on 11/9/2016 at 09:57 PM
quote:
On xenophobia Trump said he, as most Americans want, that the “refugees” from terrorist nations be thoroughly vetted because as the FBI Director, The DNI and THE DCI have all said publically we know ISIS and Al Qaeda have terrorists planted in their ranks and cannot be vetted.


If the FBI isn't enough for some, maybe USA Today will be more to their liking in terms confirming what I think is normal to fear...that extremist or extremist sympathizers or vulnerable to extremist views are among the refugees. That is fact. I'm not afraid to say I am afraid of that. I'm not afraid of people who aren't like me....alot of people here aren't like me, I think sometimes I like people who aren't like me. But seriously, I don't think it is about skin color, or language, or religion, it is about violent extremist views among the refugees...and really nobody wants those kind of people here do they?

 

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  posted on 11/9/2016 at 10:19 PM
quote:
quote:
On xenophobia Trump said he, as most Americans want, that the “refugees” from terrorist nations be thoroughly vetted because as the FBI Director, The DNI and THE DCI have all said publically we know ISIS and Al Qaeda have terrorists planted in their ranks and cannot be vetted.


If the FBI isn't enough for some, maybe USA Today will be more to their liking in terms confirming what I think is normal to fear...that extremist or extremist sympathizers or vulnerable to extremist views are among the refugees. That is fact. I'm not afraid to say I am afraid of that. I'm not afraid of people who aren't like me....alot of people here aren't like me, I think sometimes I like people who aren't like me. But seriously, I don't think it is about skin color, or language, or religion, it is about violent extremist views among the refugees...and really nobody wants those kind of people here do they?

________________________________________________________________________

Obama doesn't seem to care because he is flying them into our country with no vetting and dumping them in States without even notifying the States government.

Immigration must be controlled. Back in the day we had Ellis Island which for many was not a very pleasant experience but criminals and those with communicable diseases could be dealt with as best that could be done at the time.

Times have changed.
The terrorists are dedicated to killing the American People.
Actual refuges need and deserve our help.
So, a plane load of people from Syria landing at a US airport. How do we separate the truly deserving from the terrorists?

Europe tried to allow thousands into their countries. That is not working out very well.
A German City with a refugee camp right outside has built a wall, taller than the Berlin wall to keep them out of their town because of assaults, rapes, murders and many other crimes.
No one thought they would see a wall built is Germany again.







[Edited on 11/10/2016 by Muleman1994]

 

Zen Peach



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  posted on 11/9/2016 at 10:24 PM
quote:
quote:
quote:
quote:
quote:
Why is he against making Community College free for high school graduates?


Why should it be free?


Using state and federal money to keep it affordable for students should be the goal.


And where does this State and Federal money come from ?


They come from taxes which everyone pays. In my opinion putting tax money into making higher education more affordable is a good use of that money. If you disagree then that's your opinion.


I do disagree. I do not mind my Taxes going towards Teacher salaries, supplies, computers, libraries....but I draw the line at "Free".....

 

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  posted on 11/10/2016 at 12:33 AM
Just wanted to comment on this point by nebish - hi! by the way....

quote:
An big problem for the Obamacare system is that people in their early 20s who do not need much care and just pay into the system have been kept from financially contributing to the system by keeping them on their parent's plans. In essence, eliminating revenue that the system should have coming in to help support it. It is one example of how the system isn't working well in terms of money coming in, where it comes from and what it means for the overall picture. I don't know the figures, but I would like to know, if the feature of staying on a parent's plan were removed, or not included in the Affordable Care Act to begin with...what impact would the premiums these young people paying into the system have? How many people fall into this category and how much would they otherwise be paying for their own private plans (or how much would otherwise be coming into a state health exchange under Obamacare)?


Not sure exactly what you are saying, but my kids got my insurance but it wasn't free......I had to pay for family coverage.... and the insurance companies also upped the rates to account for kids on parents plans.... so there was money going into the system to pay for this...

For example, I still get retiree insurance from my company - the difference between just covering my spouse and covering my family is $68 a check (I get 24). Of course, the more kids you have under 26, the less it costs per kid to insure them (family means spouse and all kids, no limit). Unfortunately for me, only one is less than 26, and he will be 26 next May - so my rates will go down, but he will need to get coverage.

So, not sure if your point about revenue not coming in to support it is true....although you could be right that they may have had to pay more than the difference in family coverage.

But believe me, the insurance companies aren't hurting that much.....

 

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  posted on 11/10/2016 at 08:34 AM
quote:
On xenophobia Trump said he, as most Americans want, that the “refugees” from terrorist nations be thoroughly vetted because as the FBI Director, The DNI and THE DCI have all said publically we know ISIS and Al Qaeda have terrorists planted in their ranks and cannot be vetted.

That is not “xenophobia”. That is national security a Presidents first responsibility.
If you need more on that ask The Germans or French.




As the last year as shown, you have more to fear from US citizens with in your own country (Orlando, NYC hot plate bomb, LA shooting, Colorado shooting, etc). The fears of shadow terrorists within with refugees camps made up of displaced and terrorized families is unfounded. Therefor, it is irrational to fear these refugees. I wouldn't cite the French, they have developed some of the most intense xenophobic attitudes in the past decade, even trying to ban burkas.

Remember, Bill Graham was a WWII war refugee who arrived in the Bronx speaking no English.

 

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  posted on 11/10/2016 at 09:32 AM
quote:
quote:
On xenophobia Trump said he, as most Americans want, that the “refugees” from terrorist nations be thoroughly vetted because as the FBI Director, The DNI and THE DCI have all said publically we know ISIS and Al Qaeda have terrorists planted in their ranks and cannot be vetted.

That is not “xenophobia”. That is national security a Presidents first responsibility.
If you need more on that ask The Germans or French.




As the last year as shown, you have more to fear from US citizens with in your own country (Orlando, NYC hot plate bomb, LA shooting, Colorado shooting, etc). The fears of shadow terrorists within with refugees camps made up of displaced and terrorized families is unfounded. Therefor, it is irrational to fear these refugees. I wouldn't cite the French, they have developed some of the most intense xenophobic attitudes in the past decade, even trying to ban burkas.

Remember, Bill Graham was a WWII war refugee who arrived in the Bronx speaking no English.


We don't know what effect refugees with extremist sympathies, leanings or views will have on society yet. Naturally everyone will hope it is none. Plenty of crazy, radical and worrisome people already here, some born here, some religiously motivated, others with different motivations who have twisted views and some act on them. I do not want to add to that pool.

 

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  posted on 11/10/2016 at 09:49 AM
quote:
We don't know what effect refugees with extremist sympathies, leanings or views will have on society yet.


I'm not sure why you assume victims of extremists will have "extremist sympathies".

 

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  posted on 11/10/2016 at 10:03 AM
quote:
Just wanted to comment on this point by nebish - hi! by the way....

quote:
An big problem for the Obamacare system is that people in their early 20s who do not need much care and just pay into the system have been kept from financially contributing to the system by keeping them on their parent's plans. In essence, eliminating revenue that the system should have coming in to help support it. It is one example of how the system isn't working well in terms of money coming in, where it comes from and what it means for the overall picture. I don't know the figures, but I would like to know, if the feature of staying on a parent's plan were removed, or not included in the Affordable Care Act to begin with...what impact would the premiums these young people paying into the system have? How many people fall into this category and how much would they otherwise be paying for their own private plans (or how much would otherwise be coming into a state health exchange under Obamacare)?


Not sure exactly what you are saying, but my kids got my insurance but it wasn't free......I had to pay for family coverage.... and the insurance companies also upped the rates to account for kids on parents plans.... so there was money going into the system to pay for this...

For example, I still get retiree insurance from my company - the difference between just covering my spouse and covering my family is $68 a check (I get 24). Of course, the more kids you have under 26, the less it costs per kid to insure them (family means spouse and all kids, no limit). Unfortunately for me, only one is less than 26, and he will be 26 next May - so my rates will go down, but he will need to get coverage.

So, not sure if your point about revenue not coming in to support it is true....although you could be right that they may have had to pay more than the difference in family coverage.

But believe me, the insurance companies aren't hurting that much.....


Hey Sang...first hand example are always the best way to help others understand what is or isn't going on.

One of the biggest issues with Obamacare is the lack of young healthy people buying in overall. And I think in the insurance companies look at their products in different "buckets"...employer sponsored group plans, individual plans, ACA plans. Perhaps I shouldn't speculate as I'm not in the industry, but they can look at a bucket and say, this product isn't performing, or we are losing money in that bucket (which seems to be what is driving some of the insurers to drop out of ACA). I don't know if they allocate the family coverage for kids up to mid-20s into an existing group plan the parents have or if it goes into their ACA bucket since it is an ACA provision.

That probably doesn't matter really for what we are talking about.

$68 isn't too far off from what I paid pre-ACA for individual coverage. I'm grandfathered in...if I ever change my plan I will have to be part of the ACA market and the cost is more than double what I currently pay (this year it is $128 $6000 deductible). I've got quotes for new ACA compliant plans and they come in from the $200-$300 range for same deductible! Ofcourse they peddle that with the caveat of potential subsidy to offset that, but I wouldn't qualify for the subsidy.

Anyway, more young healthy people are not buying into the plan. I may have been a little off the mark on my parent's plan comment. However, as you mention if your kids were to go out today and shop for an individual plan it would be higher than $68 and would boost revenue into the system, but on the other hand if they were in a employer sponsored plan the cost may be similar. I do know that ACA is hurting due to lack of young adults buying individual plans.

I'll go back to the jobs comment. Ideally, if we have more jobs chasing fewer employees than pay and benefits increase to attract the best employee prospects...having a job landscape that puts leverage in the employees hand rather than the employers hands can solve alot of problems I think in terms of income, insurance, retirement savings. But as it is, with less opportunities for a variety of reasons, those benefits fail to come from the employment world and instead the government has to step in and offer assistance in these areas which stresses the treasury.

In the meantime ACA premiums continue to grow by leaps and bounds, if you qualify for subsidies, then no skin of their back...but that money comes from "us" to the insurance companies. I do hate insurance companies...and I also hate tax dollars going to them to cover their bloated premiums. If you don't qualify for subsidies or if you are a small employer forced to offer insurance by government mandate rather than based off of ability to do so in terms of the profit and loss equation that puts small employers in a bind. I've heard it discussed on the financial news channels that some employers do not hire more employees because of the cost to them to add new employees is too great.

ACA would seem to be on the butcher block next year. Like everything, it's very complicated. But I think the cure for so much of alot of these problems is good jobs.

 

Maximum Peach



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  posted on 11/10/2016 at 10:10 AM
quote:
quote:
We don't know what effect refugees with extremist sympathies, leanings or views will have on society yet.


I'm not sure why you assume victims of extremists will have "extremist sympathies".


They all do not. And it may be a small percentage.

But I have read interviews with refugees and refugee camps in Europe. They hear people around them talk. It makes the innocent refugees nervous to be among them. Some pledge allegiance to radical groups, some have radical beliefs or tendencies and others are sympathetic to the views of the extremists. I didn't just make it up, my views are shaped by news stories I read.

So these, allow me to say, dangerous people among the refugee groups and again may be a small percentage. They key would be if you could sort and fish them out.

 

Zen Peach



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  posted on 11/10/2016 at 10:34 AM
quote:
quote:
So in his speech last night he said, It is time. I pledge to every citizen of our land that I will be President for all of Americans, and this is so important to me. For those who have chosen not to support me in the past, of which there were a few people, I'm reaching out to you for your guidance and your help so that we can work together and unify our great country.


If I remember correctly all President-elects have made such a reference in their victory speech.

quote:

Does that mean gays and lesbians can marry there partners and have the same rights as straight people?

Well the Supreme Court has already spoken on that issue have they not?

From there it depends which Donald Trump is going to answer it. Pre-Republican nominee Trump, or Republican policy controlled Trump (which I hope we do not get). Here is to hoping he follows his conscious, which I suspect has no real want to keep gay people from living the lives they wish to. I am no gay rights advocate, but I feel the issue is small in terms of what else is out there, and I suppose it is debatable, but it doesn't harm many others in a real way. The violates it's religion crowd I mean. Religion is overrated anyway. Let the gay issue go GOP.

quote:
In February will I be able to use the services at planned parenthood or other clinics?

Again, depends on which Trump were to answer it. He has said planned parenthood does some very good things (in typical Trump vagueness). Again, let's hope party policy doesn't influence what some may say is a Trump soft line vs planned parenthood compared to some of his right-wing political rivals. Again, so many bigger issues GOP...let it go.

quote:
If he gets rid of federal student loans and makes them all private, how does that help college students?

You can't just start from this point and scrap the whole system, but honestly, the fact that so many loans and grants exist is precisely what drives tuition higher and higher. Normally tuition could not rise higher than their "customers" / students are able to pay. The fact that the ability of the "customers" / students is increased via the grant and loan system allows them to raise tuition higher than they normally would be able to. So in the end, we all pay more than we should...both the student and the tax payers funding the federal loans.


quote:
Why is he against making Community College free for high school graduates?


Community College should not be free, nor should health care...

I attended college out of high school, just because that is what you are supposed to do...at least that is what we are told. Ended up being a waste of money because I didn't finish, I didn't belong there. And I'm not alone, too many kids go to college out of high school, some do not get degrees while some others get degrees in field they end up not even working in. We should stop funneling high school students to the college system whether they are cut out for it or not. But in order to do this we need meaningful jobs available to individuals that do not require post-high school educations, which used to exist. Now everyone just goes to college and ends up chasing the same careers that don't offer enough employment opportunities to justify the college expenses.

quote:

Will my brother who is currently searching for a job be able to stay on my parents health insurance?


Not that long ago I was able to get a $70 a month private insurance plan (pre Obama care of course). Young + healthy = low premiums. If you don't have solid employment any additional monthly out-of-pocket payment makes a tight situation even tighter. But it goes back to jobs. If we had more job opportunities and better job options then more people are able to either afford their private insurance plans or in the current system are able to get it on most employer plans. An big problem for the Obamacare system is that people in their early 20s who do not need much care and just pay into the system have been kept from financially contributing to the system by keeping them on their parent's plans. In essence, eliminating revenue that the system should have coming in to help support it. It is one example of how the system isn't working well in terms of money coming in, where it comes from and what it means for the overall picture. I don't know the figures, but I would like to know, if the feature of staying on a parent's plan were removed, or not included in the Affordable Care Act to begin with...what impact would the premiums these young people paying into the system have? How many people fall into this category and how much would they otherwise be paying for their own private plans (or how much would otherwise be coming into a state health exchange under Obamacare)?

But again, it comes back to jobs, jobs, jobs, jobs. So much of what we do in society with social programs and assistance programs and welfare programs can be cured by jobs. But we address the symptom instead of addressing the illness. Jobs. When we have more and better jobs then people are able to rely upon themselves and their incomes for the things they need and want in life more than looking towards the government to help them get there.

[Edited on 11/9/2016 by nebish]


The days of graduating high school and going to work in a factory and make good money are gone and not coming back. You can get a job at my current employer with a high school diploma but you will not be making good money. The highest you'll make right away is $16 an hour. If you want a good paying job in this factory you have to get more training. You can do this training at the local Community College.

I agree that not everyone is right for a traditional four year college. I do believe that for most people you will need some post high school training if you want to get a good paying job. Community Colleges and some universities offer opportunities for you to get that training and I just believe it should be affordable to all.

 

Maximum Peach



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  posted on 11/10/2016 at 10:51 AM
quote:

The days of graduating high school and going to work in a factory and make good money are gone and not coming back. You can get a job at my current employer with a high school diploma but you will not be making good money. The highest you'll make right away is $16 an hour. If you want a good paying job in this factory you have to get more training. You can do this training at the local Community College.

I agree that not everyone is right for a traditional four year college. I do believe that for most people you will need some post high school training if you want to get a good paying job. Community Colleges and some universities offer opportunities for you to get that training and I just believe it should be affordable to all.


You are right about the jobs being gone. And we could add trade and vocational schools to the post-high school education system. I'd like to see more courses in high school that prepare students for career instead of preparing them for college.

As for them not coming back...

What if we told Toyota and Honda (who already do great things in this country and I'm happy to have their factories here) and what if we told Kia, Subaru, etc...that the cars they build in Japan and Korea are going to be subject to a tariff to persuade them to build more cars here. We can tell GM and Ford and Chrysler the same, the vehicles they build in Mexico will be slapped with a tariff. Build that auto here and avoid that cost. We all know that US and foreign autos support not just manufacturing jobs at the assembly plant, but many many upstream jobs in the supply chain. And large employment centers like a car factory are huge in terms of payroll, personal property and sales tax revenue they contribute towards in the surrounding communities. We could give the auto manufacturers tax abatements, maybe even in some cases give them vacant land in which to develop.

I'm not so sure some of those better out of high school jobs can't come back. And even if wages start on the modest side (as new hire union wages have been negotiated down and non union pay in the south is not what once was in the north) but...as more and more people find employment and the pool of people looking for work shrinks, wages will need to go up to attract more people to these jobs. Supply and demand can have a positive impact on wages in the employment world just like it does on prices in the consumer world. So you don't need to make McDonalds a higher minimum wage job because it will remain an entry level job as it is meant to be as people work their way up the job ranks seeking better and higher paying jobs with better benefits. That is how the system should work.

 
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