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Post Options Post Options   Thanks (0) Thanks(0)   Quote davidg Quote  Post ReplyReply Direct Link To This Post Posted: December-03-2009 at 1:52am
Absolutely, lets debate ways to improve healthcare, get the costs down, and make it more affordable for all. However, it seems there is no time for debate. Congress is pushing to take it over NOW. No debate there.

Let the private market and REAL competition come in to start bringing innovative ideas and figure out ways to get costs down. Get the lawyers and the insane malpractice insurance rates out. Let insurance be sold across state lines so there is more private competition.

The government absolutely has its place....defense, space programs, etc. But, there has to be a limit!
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Post Options Post Options   Thanks (0) Thanks(0)   Quote lewy2001 Quote  Post ReplyReply Direct Link To This Post Posted: December-03-2009 at 2:03am
Monthly premiums for Private Hospital Insurance for a family on top cover type scheme is around $60/week $3120/yr.

A GP doctors visit is $52 at my local doctor and medicare refunds around 60% if you are a low income earner or have a Government Health card the doctor has the option to bill the Government direct and the patient pays nothing.

I am due for my yearly health check up and I will get a full set of blood tests and the doctors visit for $52 I then claim this bill at a Medicare office and receive about 60% back.

Our system is not perfect by any means. The Federal Government funds the health system but the State Governments run the Hospitals. This is the biggest flaw in our system. There has been talk of the Federal Government taking over the running of the Hospitals. This would solve a lot of the problems as one Government always points the finger at the other when things go bad.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Gary S Quote  Post ReplyReply Direct Link To This Post Posted: December-03-2009 at 2:03am
Originally posted by JoeinNY JoeinNY wrote:



Let us as a country debate solutions, to say we accept the current system says that america cant do any better than mediocre care at unbelievably extraordinary costs. I believe we can do better and should talk about how. Further I doubt we could do worse..



I agree with you on that Joe, BUT when the powers that be, the ones that are going to choose what we use are exempt, something is seriously wrong.
And check your history,the govt in ww2 contracted out those same services back then.

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Post Options Post Options   Thanks (0) Thanks(0)   Quote JoeinNY Quote  Post ReplyReply Direct Link To This Post Posted: December-03-2009 at 2:04am
Creating an alternative that you may choose to buy into or not is not talking over healthcare.. It probably won't work unless it has more power than is currently proposed but its the closest thing to a chance at change we have seen since Medicare was created.

My list of places where Government is important and there is not really a free market.. Defense, Education, Infrastructure, Healthcare ... Without any of those areas being competitive with the rest of the world I can't compete with the rest of the world no matter what my business is, how innovative my product is, or how hard I work..
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Gary S Quote  Post ReplyReply Direct Link To This Post Posted: December-03-2009 at 2:08am
Originally posted by JoeinNY JoeinNY wrote:

.

My list of places where Government is important and there is not really a free market.. Defense, Education, Infrastructure, Healthcare ...


One out of 4 is not a good track record. Go down to your local VFW and ask the guy's how good those VA hospitals are-
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Post Options Post Options   Thanks (0) Thanks(0)   Quote critter Quote  Post ReplyReply Direct Link To This Post Posted: December-03-2009 at 2:15am
I do not think that anyone will say that the current path is acceptable.
In reading many forums, I find that almost all agree that changes have
to be made as the current system is unsustainable. The question is what
to change and by how much.
I myself would like to see that medicare fraud be addressed immediately.
It is agreed to be a problem by all parties. Why can we not address
this and then fix other known and agreed issues such as tort reform,
un-necessary testing, and illegal imigration coverage. All contributing to the higher cost of healthcare. And why not allow across State line
coverages for competition ? That is what a Public Option would be for
the government. Why wait for 3 years to allow this to occur. And why only allow the government to do it ?
I am getting ready to be unemployed, by choice, and will have to
purchase my own insurance. So I have some skin in this game. I choose to
enroll in the VA system as it appears to be my current best option for
cost and services.
Does that say that I feel a government takeover of the healthcare system is necessary.
It does not. It only says that I shopped around and found what works for me at this stage in my life.
Lets fix what is agreed to be broken and monitor the results before
making such gross changes.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote JoeinNY Quote  Post ReplyReply Direct Link To This Post Posted: December-03-2009 at 2:18am
I don't have to go to the local VFW, although I am social member and have been since I could walk in the door, 7 uncles in korea and 5 in vietnam. I also volunteered as a rec therapist in a VA hospital. Some are exceptional, some are not. How does this change the fact that there is no way I could get top notch coverage in this country for 3120 a year? Do I think our current government is doing a great job at running the joint, heck no.. do I think that might be because we keep electing people that believe government can never do anything right to run the government yes I do..   

If we never stop argueing over whether government should exist then we will constantly flip between people running the government that are trying to kill it, and people who think government is the solution for everything...
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Post Options Post Options   Thanks (0) Thanks(0)   Quote JoeinNY Quote  Post ReplyReply Direct Link To This Post Posted: December-03-2009 at 2:27am
My skin in the game is not dissimilar to Rogers at this point except I have no VA option. That is why to me the idea of having an option that frees me from bonds of being related to a large company that can afford my coverage or having to have absolute minimum coverage for 6k a year is a step in the right direction. Having that option means I might take a chance and start a company that could eventually employ a bunch of happy employees and make the world a better place, or I have to work for the man and make rich people richer.. which scenario is really a free market
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Gary S Quote  Post ReplyReply Direct Link To This Post Posted: December-03-2009 at 3:12am
Korea and Vietnam, Joe are not good examples of how good our government does things,correct me if I'm wrong but I think one were still involved with one and still having trouble and one we lost?
Please explain to me how it's good for me to pay so your employees can be happy? Right now if you choose not to to do business with my Large employer your not paying for my health care correct? Why should myself or my kids pay to make your future employees "happy"? It would be your responsibility to make them happy not me,I'd be the customer you'd have to make ME happy. Believe it or not I too was young once, growing up in the 60's. Only time Joe, will change your mind, your living in the idealistic years right now.
We need to clean up what we have before we do something that will effect generations forever, our country and way of life are at stake.
Ps I am feeling really good today part in thanks to my large employer,but I would be really happy if everyone here could donate a couple of bucks each so I could get a new boat
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Post Options Post Options   Thanks (0) Thanks(0)   Quote JoeinNY Quote  Post ReplyReply Direct Link To This Post Posted: December-03-2009 at 3:55am
Gary brother your arguing against the american dream, the essence of what has made america great and in so doing has changed the world. If we have a system where a man cannot rise to the level of his talents unless he is born with money then we will not thrive but wither and die on the vine.

You say I ask you to pay.. I say you already pay more than your fare share because we refuse to recognize the government has necessary role to control the costs. The status quo works for those who already have money and dont need to work or contribute to society. Those who just have thier god given talents and the sweat of thier brow shouldnt fear change.

It pains me that I am not the one arguing against the problems with the liberals plans from the middle, but the truth is there is no arguement from the right just a bunch of excuses lies and fabrications that lead us to doing nothing because "government cant do anything right". There have been so many years of that even the liberal plans pay off every single private sector group that have screwed us for decades, but that cannot be an excuse at this point not to change anything for another 16 years. Make the changes, accept that government has a role then hold the government responsible for how well they fulfill it.

I will go ahead and leave this thread now for good and go back to talking about boats still not understanding how everyone in this country hates thier insurance, how incompetent it is run, and what it costs but so many cant even begin to accept the fact that the government would interfear in the almighty private sector that brings them that coverage..
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Post Options Post Options   Thanks (0) Thanks(0)   Quote eric lavine Quote  Post ReplyReply Direct Link To This Post Posted: December-03-2009 at 10:36am
Joe if it makes you feel beeter, Im right there with you.these guys are driving around a car with square wheels, and they realize there is a problem but after so long they just got use to the bumps. i think the biggest mis conception is they think that to enter a hospital you will have to walk past two Marines at the entrance that guard the place. Healthcare is probably the last thing government wants to get involved in, there is no way they can profit by stepping in. when i mentioned frivolous lawsuits the meaning was this was one of a 1000 problems that easily if a law was passed could bring costs down.. mandating all records to be electronic. re-educate Doctors on practicing and not profits. I could go on and on.....and im willing to listen to what the Government has to say, the private sector is not going to step in to fix these problems, but we are all agreeing there is a problem
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Post Options Post Options   Thanks (0) Thanks(0)   Quote eric lavine Quote  Post ReplyReply Direct Link To This Post Posted: December-03-2009 at 10:51am
if you buy an American car 26% of the price of the car is because of Healthcare benefits, now if we can contain these costs the price of everyday items will start to drop and the big machines wheels (US) can start rolling again, this country needs some incentives to start manufacturing again. we have 300 million people in the country, twice the number as it was in 1900. we need to reform so we can compete again. we cant keep heading in the direction we are going, more and more companies are doing business outside of the US because of these costs...not to mention tax incentives, thats another topic
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Post Options Post Options   Thanks (0) Thanks(0)   Quote 81nautique Quote  Post ReplyReply Direct Link To This Post Posted: December-03-2009 at 11:51am
Originally posted by lewy2001 lewy2001 wrote:


I am due for my yearly health check up and I will get a full set of blood tests and the doctors visit for $52 I then claim this bill at a Medicare office and receive about 60% back.



WOW Mark, For comparison I'm close to your age and due for my annual checkup. I'll have a general physical and blood work check for PSA's. It will cost me over $500. My wife will do the same at similar cost. Right out of pocket because we have a high deductible. I'm self employeed so I pay for 100% of my insurance, I have never hit my $2100/$4200 deductible so I pay for everything. We also pay for all our own eye exams and have no dental coverage at all not even for an annual cleaning/checkup. I've been hobbling around on bad feet for 2 years so I can try to get the treatment slipped into a year when I've covered my deductible, that is pathetic. Only thing my insurance is good for is catastrophic illness so my family doesn't go broke while I die, I hope I don't have to use it soon.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote eric lavine Quote  Post ReplyReply Direct Link To This Post Posted: December-03-2009 at 1:09pm
funny thing is one industry that you would never think would suffer is the funeral business, well guess what that too is taking a hit, people are bying cheaper coffins and famlies are opting to cremate.
Alan, I have a stack of medical bills at home, its one of my biggest expenses,
we just cant afford coverage anymore, the economy dictates this, i pay close to 500.00 a month and they dont cover *************** with deductibles. im better off going down to the county and signing up for medicaid. this way I'll be covered.
anyway you look at it we are paying for the unisured, i need a check up but am opting not to because of the cost and this is considered preventive medicine. there is alot of confuse and conquer going on and mis-information.
The guys that work for the larger companies really dont see this but i bet as the years go by thier coverage is not getting better but little by little the deductibles are getting higher the coverage is costing more, they eliminate eye care then dental care and so on.
it is impossible to keep heading in that direction, it needs a 180 flip
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Post Options Post Options   Thanks (0) Thanks(0)   Quote 62 wood Quote  Post ReplyReply Direct Link To This Post Posted: December-03-2009 at 2:38pm
Originally posted by 62 wood 62 wood wrote:

   Over 500 buck a month premiums...for CRAP insurance, dont think I've ever had a claim.   Haven't been to a doctor in almost 20 years.. at age 55, I really should have a complete physical.. cant really afford it right now.

I asked the insurance company, since I havent had any claims, why dont you pay towards a physical every 5 or 6 years? (probably less than one months premium) I figure it could be good preventative medicine. Their response was I can use the physical's cost, that I pay out of my pocket, towards my deducable for the year... LaDeeeDaaaah...

Guess they would rather pay for a given disease after its a bigger problem, than to do preventative?


Alan and Eric, pretty much what I said earlier. My situation is very similar. Then they are trying to force us as employers to have to supply insurance to workers. Here's what the NFIB is saying...........

The House passed H.R. 3962 late Nov. 7 by a margin of 220 – 215 (39 Democrats and 176 Republicans voted ‘no’). NFIB has been a constructive participant in the healthcare debate and has spent more than a decade voicing small business owners’ number one concern: the cost of health care. H.R. 3962 does nothing to lower the cost of health care for small business owners. Instead, H.R. 3962 will increase costs, raise taxes and saddle employers with new employer mandates and paperwork burdens. NFIB strongly opposed H.R. 3962, the misnamed “Affordable Health Care for America Act” and key voted against its passage.

H.R. 3962 will raise costs for small business owners because it includes:

Employer Mandate: requires employers to pay for healthcare for full-time and part-time employees.
•An employer mandate does not address the No. 1 issue facing small businesses: unsustainable costs.
•Hurts owners who do not offer coverage today and those who already do provide insurance:
•Employers will be required to offer a government mandated benefits package.
•Employers must pay at least 72.5% toward the cost of individual plans and 65% toward the cost of family plans.
•An employer mandate is a one-two punch. The cost first hits the employer, but the cost of a mandate is ultimately paid by the employee: through job loss and lower wages.
.................

What a great deal...
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Post Options Post Options   Thanks (0) Thanks(0)   Quote critter Quote  Post ReplyReply Direct Link To This Post Posted: December-03-2009 at 3:55pm
Originally posted by JoeinNY JoeinNY wrote:

but the truth is there is no arguement from the right just a bunch of excuses lies and fabrications that lead us to doing nothing because "government cant do anything right".   


I see these statements all over the comment sections in FoxNews, CNN, and USAToday and just do not understand it.

There are many suggestions that are being made by both sides. But there
appears to be an "All or Nothing" mentality. We either pass the current
plan or "Nothing". Where does this nothing comment come from.
There are plenty of recommendations and agreeded issues to focus on. Can we concentrate on a few and see some results ?
We all know that some form of Healthcare will be passed but it will be
so watered down that it will benefit no one. It will be modified
for the next 2 years to get everything in that they can. Desired by the
majority or not. But you hear nothing of tort reform or across state
lines competition from the majority.
It is like the Tax Reform that the majority of the public has been asking for for years.. We cannot do that because it is just to complicated. This is more complicated than any Fair Tax implemention.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Riley Quote  Post ReplyReply Direct Link To This Post Posted: December-03-2009 at 6:47pm
H.R. 3962 will raise costs for small business owners because it includes:

Employer Mandate: requires employers to pay for healthcare for full-time and part-time employees.
•An employer mandate does not address the No. 1 issue facing small businesses: unsustainable costs.
•Hurts owners who do not offer coverage today and those who already do provide insurance:
•Employers will be required to offer a government mandated benefits package.
•Employers must pay at least 72.5% toward the cost of individual plans and 65% toward the cost of family plans.
•An employer mandate is a one-two punch. The cost first hits the employer, but the cost of a mandate is ultimately paid by the employee: through job loss and lower wages.



So what kind of effect will this have on a small business that has 1-10 employees that doesn't currently have a health plan and is just sqeaking by?
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Post Options Post Options   Thanks (0) Thanks(0)   Quote critter Quote  Post ReplyReply Direct Link To This Post Posted: December-03-2009 at 7:27pm
And this is on top of the States that took Stimulus money agreeing that businesses will pay unemployment for temp workers as well.
A few States already did this but not many so it will be an added cost to many small businesses.
Many have forgotten this little tidbit.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote The Lake Quote  Post ReplyReply Direct Link To This Post Posted: December-03-2009 at 10:29pm
I don't know enough about this to speak with any real confidence, just have some thoughts, and they are really all over the place concerning this.

My GP says we need to do something, too many people with no insurance, and where do they go when they get sick? The ER, the most expensive health care there is. He adds, "We have to figure out a way to get people into health care before the ER room."

I'm intrigued by the impact on Small Businesses and agree with 62 Wood and others, the burden should not be placed there in such a way that Small Business is put out of business. I need to speak up against that.

We need some form of public insurance, for example: Developmentally delayed individuals who will never make enough to qualify for health care benefits. Surely we want to do our very best for them.

I wonder why Farm Subsidies are not challenged more? (not sure what this has to do with anything, but isn't this socialism? We don't allow market forces at work here do we? I'm trying to understand the impact that US farm subsidies have . . . both positive and negative.)

It's possible that we spend way too many dollars for people at the end of their life. Americans are paranoid about dying. Many of these end of life dollars are spent out of panic and fear. I think this is a spiritual issue. I do not diminish the pain of physical death, I am around it all the time. Grief is profound and real, and moves me passionately. But we spend as if we can buy our way out of death.

Again agreeing with 62 Wood, if we spent more on preventive medicine it would be cheaper in the long run.

It's interesting that health care elicits the same kind of emotions as gun control, abortion, taxes, and the Yankees. We tend to take a side and then categorize those who we disagree with as less than.   

How much of maintaining the status quo is being promoted by current insurance companies?

I was really pleasantly surprised that we found a company who will insure my two early 20 children for a very cost effective rate, enabling them to purchase insurance. On the other hand, even though I can run six miles at a time, insurance companies have twice denied me (genetically bad "good" cholesterol). Thank goodness my wife's work has open enrollment.

Congress and the Senate are going to (or not) make a decision about health care. We can, over the course of time, change or modify their decision through our active participation in our political participation. This works best if we talk with one another, respect one another, listen to one another, and care for one another. This will take work, or grace!

Government, and other powers, may do us harm . . . financially, and even physically. The government of the US will eventually fail, if I remember history well enough, all governments have ended, ours will too. It reminds me that there is something greater to live for.

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Post Options Post Options   Thanks (0) Thanks(0)   Quote Waterdog Quote  Post ReplyReply Direct Link To This Post Posted: December-04-2009 at 11:12am
"It is the proper place of government to protect the people from each other.

Government oversteps its bounds when it tries to protect the people from themselves."

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Post Options Post Options   Thanks (0) Thanks(0)   Quote eric lavine Quote  Post ReplyReply Direct Link To This Post Posted: December-04-2009 at 12:01pm
and the free market dictates whether the government should step in and break up monopolies if it deems necessary

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Post Options Post Options   Thanks (0) Thanks(0)   Quote eric lavine Quote  Post ReplyReply Direct Link To This Post Posted: December-04-2009 at 12:04pm
hey Chuck, insightful and on spot.....and we spend at the church after sinning all of our lives to buy us a spot in heaven.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote davidg Quote  Post ReplyReply Direct Link To This Post Posted: December-05-2009 at 10:47pm
Some excerpts from the American Thinker Magazine Dec. 5th issue that are appropriate for this discussion. Let me know if you guys agree with this. I found it to be interesting and stimulating reading.

American Thinker Article Dec. 5th issue.....

It should be clear to anyone with a mind and two eyes that this president and this Congress do not have our interests at heart. They are implementing this strategy on an unprecedented scale by flooding America with a tidal wave of poisonous initiatives, orders, regulations, and laws. As Rahm Emmanuel said, "A crisis is a terrible thing to waste."

The real goal of "health care" legislation, the real goal of "cap-and-trade," and the real goal of the "stimulus" is to rip the guts out of our private economy and transfer wide swaths of it over to the government to control. Do not be deluded by the propaganda. These initiatives are vehicles for change. They are not goals in and of themselves except in their ability to deliver power. They and will make matters much worse, for that is their design.

This time, in addition to overwhelming the government with demands for services, Obama and the Democrats are overwhelming political opposition to their plans with a flood of apocalyptic legislation. Their ultimate goal is to leave us so discouraged, demoralized, and exhausted that we throw our hands up in defeat. As Barney Frank said, "the middle class will be too distracted to fight." Read more here.







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