“Being that over 50% of all bankruptcies and 60% of all foreclosures--even at the height of the financial meltdown were due to the inability to pay medical bills. Most people think downturns are going to be temporary. They don't expect to live for years without things we pretend are accessible such as a meal out every once in a while or being able to celebrate a holiday.
Many people have debt for attempting to build up businesses or to better themselves. That you automatically assume that every expense is on luxuries rather than because a person without capital lacks many other avenues to capital.
That's where my debt came from. I am a small business owner that financed some business needs on credit. I was late ONCE by 26 seconds (a family member died and I was in another state and remembered to pay did I mention 26 seconds late after having an account for over 15 years in perfect standing that had been used and paid off).
That one 26 second delay caused all of my small business debt to cascade into 29% debt when it had been at 1% or 3% or at the most 5%. I didn't receive any more benefit for that money. I didn't become a greater risk because I was 26 seconds late. But by resetting my debt to a much higher level than I would have ever borrowed but then wouldn't have been able to grow my business at that time”
“I always thought that about parsley too. There is a reason it's in the song . . .Parsley Sage Rosemary and Thyme.
That all changed for me when I started cooking Moroccan foods and then had to make a great Argentinian Chimichurri which is essentially a parsley and thyme fresh salsa.
I never leave it out now. I used to think it was extraneous but everything that calls for parsley actually tastes better with parsley in it. I wouldn't have believed that even 5 years ago. I couldn't figure out why it was included in so many recipes.
Now I know. My food has become more elevated and refined since I started recognizing that sometimes there is chemistry that aren't apparent from the raw ingredients.
It isn't Chicken Piccata without the capers. Its something else, but capers are an essential element of all piccata. It can no longer be called "piccata" without them.”
The entire conservative has largely risen in our country to stop blacks from having equal access.
It turns out that "hard work, family values, self discipline and education allowed those immigrants to escape poverty and hardship" these things when practiced by blacks DON'T YIELD THE SAME RESULTS. In fact, they so don't lead to the same results I'm surprised that any of us attempt at all.
Really . . are you denying the FHA loan policies that went hand in hand with the federal highway plans and the corralling of black people into inner cities from small single family homes simply didn't occur.
So the bridge they had to build in Minneapolis this year to finally connect the north to the south side based on the factual reality that most cities were designed to isolate blacks into low access areas in order to hinder their progress . . it's all in my imagination.
May 31, 2014 at 07:59:58
“Roosevelt would never have gotten social security passed if he hadn't left out all domestic and field workers. That was the price that was paid by blacks at the time so that whites could pay into social security. It was created and passed with the intent to exclude the majority of black workers.
The very first generation received massive payouts that they themselves didn't pay in. Those payouts allowed the next generation of whites to rise to the middle class because they were no longer burdened with the responsibility of paying for their parents in old age.
The same with FHA loans. That was the first source of wealth of an entire generation of white Americans. These too were intentionally denied blacks. That you actually believe that blacks aren't working because they don't want to work is insulting. That you don't know that once blacks were required to be treated equally, that the black unemployment rate has been stuck at roughly the same level. This is because whites who benefited from our lower priced labor were engaging in exploitative practices.
I don't have to admit that blacks in the US are "living much better" than if they were back in their home countries. The simple fact is colonialism and stripping of assets and resources from too many African nations including the meddling in politics of nascent emerging nations has wrecked havoc on many countries.”
cost2 on May 31, 2014 at 13:16:55
“You are partially right about Roosevelt excluding agriculture and domestic workers, but not for the purpose of excluding blacks. It was done as at the time it was thought that it would be extremely difficult to collect the taxes for those workers. Many subsequent congressional investigations found no empirical evidence that the move was racially motivated. The many waves of immigration into the U.S. proved that hard work, family values, self discipline and education allowed those immigrants to escape poverty and hardship. The mention of massive payouts for the first generation of Social Security recipients and the FHA payouts never occurred. Face reality.”
May 30, 2014 at 19:35:10
“This isn't about slavery. This is about Jim Crow and its aftermath. In my city it was found that the north side of town was intentionally cut off from the economic access to the south side of town. Our federal highway system was designed to isolate and cut off the black community from the white community. This had huge economic impact.
They finally just built a bridge--in 2010--to repair the intentional damage caused by the government and the white community.
In short, these are current claims for reparations that have grown throughout the years.”
May 30, 2014 at 19:24:12
“Read the article. This isn't reparations for slavery. It's for the system of Jim Crow. The documented system of denying access to FHA loans. From having neighborhoods cut off by the federal highway system.
The government most certainly was involved in helping to build up the middle class through home ownership and not having to support poor parents in retirement due to social security.”
May 30, 2014 at 19:21:20
“We have never been given "reparations." We were denied access to social security intentionally. We were also denied access to so many benefits that whites received automatically and never had to think of as welfare . . . such as FHA loans and subsidies to suburbs to abandon and disinvest in areas wherever blacks lived.
That you aren't even aware of how insulting you are being is stunning to me. I'm a upper middle class black person. You are talking solely of the inner city and areas of deep poverty completely ignoring exactly how many years we attempted to merely attain our basic rights and that they were denied us with the full force and effect.
Having a black person in your family was still enough of a stigma in 1962 (I'm 52) that I was given away because you could tell someone in our heritage was black. My wealthy white family said either give me away or lose her connection to her family. . . . I'm probably 1/8th to 1/16th black . . . yet it has bound every part of my life. From being physically beaten and having crosses lit in our yard.
You have no idea what it's like even when you are working at your maximum potential and are exceptional let alone without resources. None.”
cost2 on May 31, 2014 at 07:30:05
“One has to work to be eligible for Social Security benefits. Congratulations for making it out of the ghetto. You do have to admit that most blacks in the U.S. are living much better than if they were back in Africa.”
May 30, 2014 at 19:03:15
“Sure we will do a full accounting. We will ensure that all those federal handouts such as FHA loans and Social Security which was designed explicitly to exclude blacks . . that THOSE HANDOUTS which would have obviated the need for all other handouts are accounted for and added to the total. Too bad that we can't also do an accounting of the difference between those handouts that were considered "investments" and those that are denigrated and called 'handouts" and "welfare."
So yes. After that reckoning and the reckoning for being shuttled away from equal opportunities . . . we'll get to that!
It's stunning to see such a lack of understanding of the reasoning. Such an assumption that we've taken more than we've received while not even paying attention to the benefits that were available to those who were white. What is the benefit of being able to access a loan to buy a house? What would that be worth?”
“I should also point out that one of the main reasons condoms having been going unused besides the lack of sensation while wearing one is that conservative religious are saying that they don't work. You may not be aware of this. But in places where HIV/AIDs still leads to typically to expiration, the religious right in America has been convincing those men not to use condoms either. Most of their wives have only had one partner. Annually, one million women die for our sanctimony in this area.
We are actually teaching horrible and erroneous sex-ed.
States like Oklahoma, Arizona, Mississippi are actually trying to institute laws that insists that doctors must NOT inform women about any information about their unborn children WHILE insisting that they must misinform women about the risks and potential impacts of abortion.
We have a virtually fact free sex-ed regime in this country.
You seem unwilling to listen to what will work. You keep insisting that birth control is cheap and widely available. But it isn't. You keep insisting that people have access to accurate reproductive health information and education, but they don't.
I'll close where I opened. You asked what would work. This works: "The rate of unintended pregnancies and abortions decreased dramatically when uninsured, low-income women were given free access to birth control."
Providing those things will work. But you don't believe we should provide those things. Its a catch-22. I happen to like doing what will work and has worked.”
“I'm a SME (which stand for Subject Matter Expert) for the CDC and the Minnesota Department of Health on reproductive health. I've done deep dives on the numbers and access. It really is a lack of effective sex-ed. We truly handle this issue 100% differently than any other developed nation.
It turns out that the "richest" most "resourced" nation on earth is doing an appalling bad job in educating our children around basic biology. You'd be shocked to know how little knowledge too many youth have as a direct result of public policies in this area. We are completely failing our kids and then plumping ourselves up and pretending it's "for their own good."
It isn't just the lack of family units that is leading to this outcome. We are actually doing things differently than every other developed nation country. It is because we so fervently want to believe that it has to do with a "lack of being values" taught. Look at you. You keep operating off of your "feelings" instead of paying attention. Is 1 out of 4 girls aged 13-19 having an STD okay with you? Would you change the condition if you could? Well, we have the power to change it, but refuse to.
We created every single part of the "lacking" through our societal values.”
“If it were a "good idea," or good public policy we wouldn't have an STD rate that is completely out of line with any other developed nation. I think things that are "good idea" are things that actually deliver the results we say we want.
Do you think that having over 28% of all girls aged 13-19 having an STD is a "good idea?" Do you believe that having much higher abortion and unwanted pregnancy rates is a "good idea?"
I know it's sounds counter intuitive but the numbers speak for themselves. WE ARE THE ONLY COUNTRY THAT CONDUCTS OUR REPRODUCTIVE HEALTH POLICY THE WAY WE DO.
We are the only country that says it's "personal responsibility." We are the only country that denies the reality of human sexual behavior.
What is the definition of "insanity?" Doing the same things and expecting different results.
So we could reduce the rates of STDs, unwanted pregnancies and abortions by actually following best practices. OR, we can spend a whole lot more money, willfully insisting that our failed policies are the right ones.
You have to decide to you want to be "right" or do you want "results."
“It seems like it comes down to "personal responsibility." But given the fact THAT WE ARE THE ONLY DEVELOPED NATION WITH THE NUMBERS WE HAVE, yet we have EXACTLY THE SAME SEXUAL PRACTICES no matter how much you want to insist it's "all personal responsibility" is demonstrably false. Because if it were, then we'd have the same numbers in every country and we don't. Our insistence that it's "personal responsibility" is leading to the most expensive and worst outcomes possible.
Our far right political leaders in concert with religious leaders have been actively misinforming the public about efficacy of condoms for instance. We had men using them almost uniformly and then in the 90s the use started to drop AS A DIRECT RESULT OF MISINFORMATION FROM THE RELIGIOUS RIGHT.
Do you know the funding requirements under Title 1 under federal law? The problem with abstinence only education is WE AREN'T ABSTINENT and it's unnatural to be. I can see the benefit of teaching age appropriate sex education. But no where is "abstinence" actually thought to be the most healthy way to live an adult life. Most of us want to be at some point in our lives in a healthy and sexual relationship. to pretend that chastity and abstinence are either the best or the most healthy ways to live a life is completely counter to everything it means to be human.”
“We CAN give accurate information at the clinic. We CAN use best practices. We CAN recognize that a mistake shouldn't lead to a lifetime of being a parent or having an incurable STD.
We CAN recognize that we are human. We CAN recognize the things we know about those who are engaging in "irresponsible" behavior.
You may not know that in the US more than 1 out of every 4 girls (over 28%) aged 13-19 has a sexually transmitted disease. In the rest of the developed world the nearest nation to us has a number of 1 out of every 200, the next after that is 1 out of ever 400. So we can talk about "personal responsibility" all we want. But we need to recognize for all our talk it is leading to horribly high costs and bad outcomes.
You'd be surprised at how many women DON'T have access to affordable birth control or more importantly accurate education. I'm sorry that you've been misinformed. You can't extrapolate your access and your experiences with all experiences.
We need to decide. Do we want results? It appears that we'd rather get up on our high horses while we are all bearing witnesses to appalling and trackable outcomes from our public policy positions.
Just don't pretend that it's because you don't want to "pay the price." We are ALL already paying the price and a much higher one than if we just did what worked.”
nice-n-easy on May 28, 2014 at 16:41:19
“Okay, so what will work? "affordable birth-control" - condoms are often times given out for free, yet they go unused?... and if you think there a person over the age of 10 in this country who doesn't know where babies come from, you may not be as informed as you think you are.
My thought is this. Is it really the lack of sex-ed?..... or is it the lack of family units - the lack of being taught: you are to take responsibility for yourself & your actions - the lack of family leadership - lack of morals - lack of values being taught? I'd say the latter "lackings" trumps - the question is: can we change that?”
“That's wonderful. So do I. But this isn't about YOU personally. It's about what we know about statistical human behavior and not each individual.
You are jumping to conclusions that aren't present in the reality at all. No one is saying that women are "weak and powerless." We have been creating serious hurdles to access birth control. Especially by those under the age of 18, but for all women. From pharmacists who have been given scholarships simply so they can tell their female customers that they refuse to fill birth control prescriptions to access to accurate reproductive health related education our country is failing on every single level.
The PROBLEM is we allow older men (mostly white) who are religious leaders set our reproductive health policy instead of women and public health professionals. We are the ONLY developed nation to conduct our public health processes this way.
So we can decide to be "irked" and to stamp our feet and insist that humans as a group behave differently. Or we can actually follow the rest of the developed and civilized world and take public policy leadership to decrease STD, unwanted pregnancies and abortions.
Our problem isn't just "personal responsibility" it's public policy. For instance, we prefer to teach "abstinence only" ubiquitously. Even though we know that on average it only delays first contact by 6 months and increases the likelihood that those who engage in the behavior are less likely to use protection.”
nice-n-easy on May 28, 2014 at 16:14:10
“That still doesn't negate that the fact that it all comes down to personal responsibility, or rather lack thereof. To decrease the number of STDs & unplanned pregnancies a condom must be worn; they are cheap/free & there are certain segments of society who refuse to use them. They are downright irresponsible & I don't think that is something that will be 'fixed' by giving them money. The question is: can irresponsible people be made to be responsible by any other means than to make them take responsibility? I don't think so.
To say that schools teach only about abstinence is a distortion; having an "abstinence only" program/discussion means that it is taught that the only 100% guaranteed birth-control/disease-control method is abstinence - which is true. You don't think that teaching about the benefits -physically, emotionally, psychologically- of abstinence/waiting is a good idea?”
“Just as when someone goes to the ER for their primary healthcare instead of having access to preventative care costs us all way more, so too with reproductive healthcare.
We actually need the people that our community produces. They are the educated workforces, they are the nurses, doctors and dentists who care for our health. They are the fire and police officers who keep us safe. They are you and me.
There is a deceptively high cost to NOT providing affordable access to reproductive healthcare. Not just for the women and their potential offspring BUT FOR THE ENTIRE COMMUNITY.
So yes. The total it would cost each of us to make sure that every woman in this country had access to free or affordable healthcare is about ten cents per year AT MAXIMUM. So are you really saying that you can't afford that dime to improve the overall health and wellbeing of our community? That you'd rather pay way more in incarceration and poverty abatement just to feel good because that you aren't paying for it.
Penny wise and pound foolish is what my mother used to say.”
nice-n-easy on May 28, 2014 at 15:15:17
“I already pay for birth-control, for my birth-control & I sincerely don't think it's anyone else's responsibility or duty to pay for it for me. Condoms are free at nearly every county health department in the country. Condoms average around 75 cents in vending machines. So woman have access to birth & disease control products.
It just erks me when people think that woman are weak & powerless, that they can't take care of themselves. Woman are strong, intelligent, capable creatures. The problem is irresponsibility, and responsibility is something you just can't give away at the clinic.”
“At the end of the day conservatives have to decide. What is the goal of the policies you support? The goal appears to be to shame women and accuse them of misbehaving. It's to purse your lips and to wag your fingers and to talk about "irresponsibility." While at the same time you support a wide range of policies that make it harder and more expensive to women and young people to access birth control. From insisting that Pharmacists consciences are more important than customer's needs, to allowing employers to discriminate against women, to parental approvals and long waits. There is a tightly drawn web of policies designed to make it very difficult for women to access legal birth control.
Your goal appears NOT to be related to reducing STDs, unwanted pregnancies and abortions. We already know how to do that. But YOU go to any lengths to pretend that we don't already know how to do this.
Since your team has had over 30 years of setting reproductive health policy in our nation to disastrous effect, it seems that some accountability is required.
We know how humans behave. No amount of stamping your feet and insisting otherwise is going to change the situation on the ground.
You wish not to pay for prevention, but you are willing to pay 100 times the cost for the negative effects. It makes ZERO sense. Not to mention, flies in the face of the concept of limited government and freedom.”
“I'm not jumping to ANY lengths. The simple fact is the MAJORITY of all women are sexually active. Even 98% of all Catholic women use some form of birth control.
The reason employees accept the group plan is it is typically a good deal, both the employer and employee win. The employer pays less and the employee considers that plan part of their pay. The employee gets better medical care than if they were in the independent market (another reason we need single payer and this would be moot).
Do you want your employer deciding whether you can use Viagra or not? Whether you can have a blood transfusion. Maybe they won't pay the medical bill for when you go to the doctor. Just how much interference do you believe an employer should have in imposing their religious beliefs on the access to your medical care?
Exactly how much is an employer allowed to know about your health care needs and delivery?
In fact, at this point it's been found scientifically and medically that even the morning after bill doesn't terminate a pregnancy just keeps it from happening and the employer is imposing their own personal, non-expert opinion in their female employee's lives.”
“Most women only use 1 type of doctor for their primary care physician from ages 14 through 70. We are prescribed birth control not only to regulate birth to regulate hormones for overall health. For any employer to bar us from receiving the medical care for which we have worked is discriminatory. The fact that there are religious bosses who want to impose their standards onto their employees should have been shut down immediately. We are the only developed nation that allows these type of shenanigans.
We are the only developed nation that allows religious values to drive our reproductive health outcomes. It has come to the point where women are no longer consistently receiving a legal standard of medical care. 1 out of every 6 patients is now seen in a catholic hospital. They likewise are now limiting women's access to legal and necessary medical care. Refusing women who are in pregnancy distress after a C-Section the ability to get tubal ligations. Forcing women who want children to carry ectopic pregnancies until it destroys their fallopian tubes. It is extraordinary what we are currently allowing. Men would not tolerate this type of interference in their access to healthcare.
There are so few "abstaining" women as to be laughable. The number is negligible. I'm 52. I will still see my OB/GYN until my 70s most likely for my primary care.
Insurance is a BENEFIT. You get it in lieu of pay. So it's okay if women don't receive the benefit.”
“Can you please stay on topic. We are talking about one thing and one thing only here . . . Sex Ed and national, regional and local policy as it relates to reproductive healthcare. You may not realize to what degree any conversation about reproductive health has become an interconnected issue at the local to federal level.
“The "birth control nonsense" isn't nonsense. Is our benefit package part of our pay? Would you tolerate your employer telling you that you couldn't buy bacon with your hard-earned money? Employers often give healthcare in lieu of cash compensation because it is cheaper to get a group plan than it is to give each person the money to by an individual plan. So therefore you are saying that women don't deserve to receive the same benefits from their "pay" as men. Would you tolerate not being able to get a colonoscopy if your employers didn't agree with it, although you were supposed to be covered by insurance? The state of Michigan now is forcing women to get additional riders for abortions, but most women who might get pregnant have no idea if this is something they might need. Particularly if they want a child.
So I have to find out the religious beliefs of the managers of a company BEFORE I work there? Should it only be the "owners' of a business? The government is now enforcing private religious beliefs of the owners on their workers? Should managers be allowed to do this? As in Pharmacists?
Would you tolerate not having blood transfusions covered by your health insurance?
Either benefits are pay or they aren't pay.
If you don't know the damage that white flight caused and the hollowing out of the manufacturing core by businesses that largely support conservatives then I can't help you.”
Bradley Wise on May 25, 2014 at 22:03:49
“"White flight" is not an example of any conservative problem you pretend exists. Jobs and livability were taxed out of Detroit. It became impossible to afford and it essentially evicted the tax base, leaving us what exists today. The same will happen in CA and other places where liberals have free reign to do what they wish.
Next, your birth control analogy doesn't work because employers aren't telling anyone what to do with their pay, even if we count benefits as pay, because they are. Nobody is forced to enroll in their employers insurance program. They are absolutely free to save the money and buy their own plans. What they would be missing out on is a particular discount, not on pay. Your characterization doesn't even specifically single out women; what about post-menpausal - or sterile - or lesbian - or religiously or otherwise abstaining women - or women who use any of the many birth control options they provide? The only affected women in this case are those who instead choose to take morning-after pills? If people were solely being discriminated based on sex than ALL women would be baring equal amounts of discrimination. They're clearly not.
You jump to every length possible to pretend getting pregnant is the fault of every conservative out there who wishes not to pay for prevention and never the two irresponsible individuals involved.”
“How long do conservatives get to freely promulgate failed policies? In the US over 1 out of every 4 girls aged 13-19 has a sexually transmitted disease. That's an epidemic (so therefore a government issue). The next nearest developed nation has 1 out of every 200. We can say all we want about "personal responsibility" but it was this insistence on "personal responsibility" and "abstinence" that brought us to these astronomical numbers.
The thing about schools is because they are so in need of money, if they are a Title 1 school because of their high poverty rates (which means they accept money federal that they need because the conservatives led the white flight of the 60s and 70s after school desegregation) they aren't allowed to teach any other type of sex-ed but that mandated by conservative religious men. That's a factual truth. It's prohibited by laws implemented during the Reagan years. So wealthy schools who aren't as reliant on Title 1 money AND can privately fundraise, actually give their kids fact based, modern sex-ed. It's something I'm always stunned that conservatives don't know that this is the reality in our schools. Don't be "baffled." It's a feature and not a bug of conservative governance.
They are abstinence only is the first feature. Statistically those who are taught this method delay sexual contact for about six months over their peers, but are much less likely to use protection or birth control when they do engage.”