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Date Posted: 06:16:26 04/05/10 Mon
Author: Jeffman
Subject: Re: We'll see
In reply to: Shirley 's message, "Re: We'll see" on 09:04:15 04/03/10 Sat

Im not being argumentative but the difference between car insurance in this case is you can choose not to drive. You can choose not to have a drivers licence. Car ownership is a privledge that requires that you have licence, liability insurance and that you pay taxes on the car. But its not mandatory.

This plan does very very little if anything to battle the cost component and that is going to make this just another expensive entitlement.

The student loan thing Im OK with. I actually think that student loans are overused and it socks college grads with years and years of loans. I know people in their 40's that are still paying on their student loans. People should encourage college kids to pay for their own college in whatever way possible without using student loans.

The finance industry? If everyone would knuckle down and pay off their loans and quit using credit, the credit industry would fix itself. My wife and I dont use credit anymore for anything and we know more and more people who are rolling back time and going back to using cash and using the envelope system. Its the same one my grandmother used and you know what? It works great!!

Great to see you posting Shirley and I hope you are doing well. I did get some broccoli this year for the first time but it got too warm too fast for the brussel sprouts and they went to seed.





>Let's go ahead and put a fine point on it.
>
>The suit brought by governors is going nowhere.
>They're basing it on interstate commerce laws. I'd be
>willing to bet if it goes to the USSC it will be heard
>on an expedited basis. I don't see a constitutional
>law professor not crossing all the Ts and crossing the
>Is. Let's take it a few steps further.
>
>Isn't it the goal to purchase insurance across state
>lines? Bingo. Interstate Commerce.
>
>If they try to overturn it in the senate, they need 68
>votes. Think they can garner 68 votes? I don't think
>so.
>
>Let's look at some of the other similar laws that
>apply across state lines by looking at car purchases:
>
>1. The minute you purchase, you're going to pay sales
>tax.
>2. Then you have to buy license plates. Every state
>requires it. In Indiana, the cost is based on the age
>and type of the vehicle. BMV determines the cost.
>You have to renew every year and the cost gradually
>goes down as the vehicle ages. And if you finance,
>interest is not tax deductible for state or federal
>taxes.
>3. Then there's a little matter of vehicle
>insurance. Is there any state that doesn't require
>it? In Indiana you either have insurance or you must
>show financial responsibility and most insurance has
>uninsured motorist so you're in essence, paying for
>those who don't have insurance.
>4. Now you can drive the car PROVIDED YOU HAVE A
>DRIVER'S LICENSE. EVERY STATE REQUIRES IT. ANOTHER
>FEE.
>5. Finally, you can drive that car but it's going to
>need as and you're going to pay tax on every gallon
> of gas you buy. That tax goes to the highway tax
>funds which pays for maintaining roads, highways and
>bridges on which you drive. There's nothing requiring
>all of that tax wyou pay will be spent only in your
>state but across state lines.
>
>Violate anyof the laws and see what it gets you.
>
>With the inclusion of the student loan package,
>cutting out the middle man, increasing Pell grants,
>extending health insurace coverage to their offspring
>to age 26, reworking a repayment schedule, do you
>really think any parent (or student) in college isn't
>going to jump for that?
>
>It also forbids insurance companies from denying
>insurance based on pre-existing conditions and
>prevents them from dropping insurance when people need
>it the most. It also removes lifetime limits.
>
>The connection has already been made that the plan was
>based on Mitt Romney's insurance plan for MA. Scott
>Brown also voted for it as it now stands. There were
>161 Republican ideas incorporated in the law.
>
>Is the new law perfect? NO. There's virtually no one
>who got everything they wanted. The point is that it
>can be ammended as time goes on just as SS and
>Medicare and Medicaid were ammended. None of these
>programs were popular when enacted. How many congress
>people receive benefits from any of these three
>programs? How many of them have family members who
>are students?
>
>At what point do we start reigning insurance company
>scams? They'll always find an excuse for denying
>insurance. That's where their profits come from.
>Granted, oversight has been lax but they've proved
>their intent. They'll now be forced to spend more on
>actually providing insurance rather than increasing
>their profits.
>
>Finance will be the next measure up. Who's happy with
>banks and their whole finance industry? They've also
>proved themselves incapable or self governance. Let
>the chips fall where they may.

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