Our economy on the verge of destruction?
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thepudd
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« Reply #135 on: April 10, 2008, 03:27:56 PM »

Sorry for the dodges. I wasn't intentional.

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Who's to say the "rich" don't need that money?
The majority, by empowering a government who passes laws to tax accordingly.

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What if they are using that money to create new jobs for the country?
Partly this is a drawback to the system, and partly this is reality. Not all wealthy people give back.

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What makes [the government] best for deciding who needs what? What makes them the best to decide for the people rather than the people themselves?
I don't know what makes them the best. But it's become their job, for good or ill, and the population is happy with it. The people seem to have decided that it's the government's job, as they continually empower them to do so. I don't see a problem there.

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Look at the UK healthcare system. Sure it's got a few things right, but it's screwed up worse than the US system which is plagued by frivolous lawsuits and other bloats due to government regulations.
k, the UK's not the best example. I should really have said Scandinavia, as that's what I'm thinking about. But the UK is also in a somewhat unique position inside the EU, being a founder member and holding more sway.

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What percentage of taxes should a person with a $1,000,000 salary pay? - Why?
What percentage of taxes should a person with a $100,000 salary pay? - Why?
What percentage of taxes should a person with a $20,000 salary pay? - Why?
I don't know the answers to these questions. I haven't become an expert in this topic, so it would be foolish for me to attempt. What I do know is that way the government taxes the population has been agreeable with people. There are new suggestions I've read about (see the Nyberg model) that sound somewhat similar to your FairTax. (And again, I'm not arguing with your FairTax, it sounds quite fair for you.)

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Look up Grady Memorial Hospital in Atlanta, GA. It's about to go under b/c it's a welfare hospital. The poor show up for the treatment of colds and then never pay. It may be the best trauma center in the area, but it probably will close because of government mismanagement and deadbeats who take advantage of its services when they don't really need them.
I'm not really sure what you're getting at here. My question was whether people have to pay afterwards. Here's my real problem with US health care. My friend was in a bad skateboarding accident, almost died, and medial bills were like 500,000$. Who can possibly pay that, or have hoped to have saved that much money in advance?

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what makes that government worthy of the trust?
Because they have proven over time that they do good things with tax money. People in Finland are ridiculously educated because the government provides. As I've said before there are benefits for all sorts of things; people can see their tax money being put to good use. I'd challenge you to find a Canadian who says his government's putting tax money to good use.

Here's a question for you Dave.  What would your government need to do, in order to win your trust?
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thepudd
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« Reply #136 on: April 10, 2008, 03:46:22 PM »

Here's another light article. It's short.
Innovation Gives Finland A Firm Grasp on Its Future

This one's an interesting blog post, about suicide, like Dave has said. Read the comments too.

Just pointing out there's more to success than the obvious, and more the failures than the obvious. And don't trust stats unless you know the stakeholders.
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strobian
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« Reply #137 on: April 10, 2008, 03:57:28 PM »

to go back abit on the giving and taking.
the american thing to do is take what you want, ever since the beginning. look at what the government did to the native americans. we took what we wanted, regardless of what they wanted. it has sparked a trend that is the root of greed and materialism. thats america.

that's an extremely shallow and simplistic view of America...
yet oh so true. i know friends of mine who have left larger churches because they feel like they are just being used by the church to get things. look at my work, we sometimes get mispicked parts coming in. instead of notifying the distributor and sending it back, we simply file a shortage, add the part into stock and put it up. and the next day we get the part we ordered and we get free inventory. give me examples of the people of this nation not taking what they want regardless of what is right, ill back down. but the real question is... why are americans so greedy?

This is crazy talk alex, populism nonsense.  America the big evil.  I'll be first to say I am not one of them.  Greed is a global problem its not just in America. You have defo been watching to much tv or movies and are believing the hype.  The heart of America isn't some greed filled society wanting all the money in the world and all the bling they can handle man, most families here are just trying to live life, raise a family, and follow a few dreams, and if they don't solve the world problems they get blamed for it. 
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strobian
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« Reply #138 on: April 10, 2008, 04:22:07 PM »

500k surgery sounds like there is something missing here.  It doesn't cost that much, unless something crazy happened man.  There are major medical policies people should have if they are getting involved in exterem sports, they are inexpensive and cover you butt in case something catstophic happen, that is what they are offered for, but yeah no one can afford that.  This is where finland can help, take on a few more fellow men, and see how your opinion begins to change as the pot gets thinner and thinner. 

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« Reply #139 on: April 10, 2008, 08:32:14 PM »

haha I just realized that I really don't care enough to keep debating... yet I can't help myself.

A few final points:

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What if they are using that money to create new jobs for the country?
Partly this is a drawback to the system, and partly this is reality. Not all wealthy people give back.

I've got two responses here.

1) The wealthy who don't give to the community have several choices, they can invest the money in the stock market so it will grow, they can invest it in their businesses or they can let it sit in an bank and collect interest. If they invest it in the stock market, they provide other companies with capital to grow their businesses and in turn create more jobs, that's giving back to the economy and helping the poor out of poverty. If they invest in their own businesses, same thing. If they let that money sit in a bank, the bank loans it out to people who are starting businesses or expanding them and thus... does the same thing. Or... it could go to build your home. Heck, even if they spend it, that goes to businesses and gives them capital to create more jobs. Anything selfish thing the wealthy does with their money benefits the economy and thus the people in poverty.

2) Here's a New York Times article from 1991, right after we had some huge tax increases. The result is that the amount of money the wealthy were able to give dropped significantly.

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"There was significant giving in the 1980's," Mr. Kudlow said. "This notion it was a decade of greed is unproven by the data. Individual giving rose 3.1 percent annually between 1955 and 1980; it rose 5.1 percent annually between 1980 and 1990."

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What percentage of taxes should a person with a $1,000,000 salary pay? - Why?
What percentage of taxes should a person with a $100,000 salary pay? - Why?
What percentage of taxes should a person with a $20,000 salary pay? - Why?
I don't know the answers to these questions. I haven't become an expert in this topic, so it would be foolish for me to attempt. What I do know is that way the government taxes the population has been agreeable with people.

Well, it's foolish for you to assume that they should if you don't know why they should. Just because the majority of the population likes it doesn't make it right. Heck, the majority of the population here believes abortion is wrong and it's legal here.

In the US, the top 50% of wage earners pay over 96% of the taxes and people are still screaming that the rich aren't taxed enough. Even more amazing, the top 1% is paying more than ten times the federal income taxes than the bottom 50%. Here's the data directly from the Treasury Department. Even with Bush's tax cuts "for the wealthy" they are still paying over 32% of the total taxes for the country.

Is this acceptable?

I'm not really sure what you're getting at here. My question was whether people have to pay afterwards.

They're supposed to, but that doesn't mean that they do or that there are consequences for them if they don't. Politicians here have a way of hearing a sob story and then defending a debeat payer who could pay as though they shouldn't have to. It's all about votes.

Here's my real problem with US health care. My friend was in a bad skateboarding accident, almost died, and medial bills were like 500,000$. Who can possibly pay that, or have hoped to have saved that much money in advance?

That same surgery probably would have cost much less in the US. Seriously. What had to be done?

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what makes that government worthy of the trust?
Because they have proven over time that they do good things with tax money. People in Finland are ridiculously educated because the government provides. As I've said before there are benefits for all sorts of things; people can see their tax money being put to good use.

Do you think the people of Finland could manage their retirement accounts if the government got out of that business now? (A snide remark I know.)

I'd challenge you to find a Canadian who says his government's putting tax money to good use.

Brandon can correct me on this, but he told me just the other week that pretty much the only people who are defending the Canadian system are the ones who can afford to cross the boarder into the US to have their medical needs taken care of.

Here's a question for you Dave.  What would your government need to do, in order to win your trust?

Start following and actually applying the 10th Amendment.

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powers not delegated to the United States by the Constitution, nor prohibited by it to the States, are reserved to the States respectively, or to the people.

I'm currently wondering how programs like Social Security pass the 10th Amendment test. From what I can tell, the amendment's power was limited after FDR packed the Supreme Court. More proof that he was one of the best and worst presidents we've ever had. 
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Davo
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« Reply #140 on: April 10, 2008, 09:56:43 PM »

to go back abit on the giving and taking.
the american thing to do is take what you want, ever since the beginning. look at what the government did to the native americans. we took what we wanted, regardless of what they wanted. it has sparked a trend that is the root of greed and materialism. thats america.

that's an extremely shallow and simplistic view of America...
yet oh so true. i know friends of mine who have left larger churches because they feel like they are just being used by the church to get things. look at my work, we sometimes get mispicked parts coming in. instead of notifying the distributor and sending it back, we simply file a shortage, add the part into stock and put it up. and the next day we get the part we ordered and we get free inventory. give me examples of the people of this nation not taking what they want regardless of what is right, ill back down. but the real question is... why are americans so greedy?
the facts just don't cooncide with your beliefs, Alex.  i'm the first one to criticize the US church in general,but i don't know of a single church that doesn't help the less fortunate, and the widows and orphans... the US Christian organizations are first ones to show up when a tragedy like Katrina happens.

just heard about this one today: "Man Finds $140,000, Turns It In To Cops"
http://www.cbsnews.com/stories/2008/04/10/national/main4005356.shtml


you don't honestly believe there's noone doing what is right because it's the right thing to do in this country?
    if that's so, then these are serious questions, and not retorical: why do you live here if this country is that full of corrupt people?  where would you move to where they're not that greedy & corrupt?

  if i honestly believed what you're saying you believe, I'd move to Canada by next month.
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thepudd
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« Reply #141 on: April 11, 2008, 02:38:19 AM »

Let's move to Canada, let's leave today, Canada oh Canada, I've seen the way. - Five Iron Frenzy.

Regarding the surgery. He wasn't a pro-skateboarder so he didn't have an insurance policy accordingly, he was just screwing around on some steps. He fell, cracked his head on the corner of a step, starting losing blood and spinal fluid out his ears, had to be airlifted to hospital and the fire department had to hose down the street afterwards. It was pretty horrific. And it was in the US.

Anyway, this debate's been enjoyable. I am challenged by you all, so that's cool. I for one know I don't have it all figured out. But I'm happy to be traveling the world and seeing it from different people's perspective, and experiencing different takes on social responsibility, political economics, and appropriate government involvement.
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strobian
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« Reply #142 on: April 11, 2008, 05:19:14 AM »

None of us have it figured out, just what we would like to see.  I know first hand that the US needs a bit of help to smooth some things out in certain circumstances, especially for families with long term illness like ours.  We do have some instances here where medical bills are causing people to loose there homes, that shouldn't happen, so its not a flawless system.  I will say that churches pick up alot of slack here.  New perspective is good, ultimately everyone wants to see improvement, but from what I have seen in the US, is goverment increase, means efficiency decrease.
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« Reply #143 on: April 11, 2008, 08:56:19 AM »

We do have some instances here where medical bills are causing people to loose there homes, that shouldn't happen, so its not a flawless system. 

This is going to sound really harsh,but i don't mean it to sound this way: why not?  where does it say in the constitution everyone in America has a right to own a home? 

I say this from experience: because of lagging business for years now I'm losing my home.  In a perfect world that would never happen,but this isn't a perfect world, and I don't expect someone who makes more money than i do to pick up the slack for me.
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Amazing grace, how sweet the sound
That saved a wretch like me.
I once was lost, but now I’m found.
Was blind, but now I see.

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thepudd
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« Reply #144 on: May 23, 2008, 01:35:06 AM »

Just for Dave.







And for the record, I've just started paying Finnish taxes... you know the ones that cover my wife's world class free education, monthly student stipend, free healthcare, free childcare and all that... it's 15% higher than what I was paying in Canada. Wink
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Dave Richards
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« Reply #145 on: May 23, 2008, 06:20:21 AM »

Speaking of taxes... here's a FUN set of charts about how the US spends it's taxes.

BTW, glad you bought that book! Let me know what you think.
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thepudd
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« Reply #146 on: May 23, 2008, 06:49:16 AM »

BTW, glad you bought that book! Let me know what you think.

That'll take a while. It's long... and I've got 3 more to get through before that one.
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DJ Reborn
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« Reply #147 on: May 23, 2008, 08:17:52 AM »

We do have some instances here where medical bills are causing people to loose there homes, that shouldn't happen, so its not a flawless system. 

This is going to sound really harsh,but i don't mean it to sound this way: why not?  where does it say in the constitution everyone in America has a right to own a home? 

I say this from experience: because of lagging business for years now I'm losing my home.  In a perfect world that would never happen,but this isn't a perfect world, and I don't expect someone who makes more money than i do to pick up the slack for me.

I have no problem with lagging business causing a business owner some financial difficulties.  That's the nature of being in business.  I've experienced it myself as a business owner.  But, medical bills are a different story.  If it weren't for medical bills, I'd be almost debt free (finishing a car loan and my mortgage--no credit card debt, no student loans [ever], own my motorcycle outright [paid cash]).  I've never even had a credit card other than a Sears card, which I no longer have, and a Kay Jewelers card, which I purchased my wife's ring with so I could spread the payments out at 0% interest.  If it had not been for the 0% interest, I would not have even done that.  In retrospect, I probably shouldn't have anyways, but my wife is worth it.  Plain & short: I've lived my life on the principle of 'if you don't have the money to buy it then don't', with a few exeptions (i.e. car & house, which were primarily for my family, not me).  Yet, because our healthcare system is so screwed up (speaking as an expert medical coding consultant with over 10 years experience, primarily dealing with Medicare and BC/BS [thieves I tell you]), I'm still in debt about as much as most other Americans who bought everything they own on credit.  And, because I'm a hard working American who is self-employed I don't qualify for any of the gov't programs--point blank they are designed to help those who won't help themselves, not those who are trying.  I owe more money to a Christian-run non-profit hospital owned & operated by the same denomination I belong to than I ever intended to owe anybody at any point in my life.  And it's all because some nurses and doctors thought that my baby girl might have had an infection that she turned out not to have.  If she were a car, I wouldn't have to pay the mechanic for not fixing something that wasn't actually wrong.  But since she's a human, I'm supposed to pay them for their bad medical judgment.  That's the part that's the most screwed up about our health system.

Listen, I see this sort of thing happen a lot: A doctor wants to screen a patient by getting an expensive set of tests done to establish a baseline so there is something to compare test results in the future to if that patient ever develops problems in certain areas.  The patient has no symptoms, though, so most of the insurances companies are not going to cover those tests.  But the doctor is a good sales person and knows all he/she has to do is convince the patient that their health, and therefore their lives or at least quality of living (i.e. their future), is at stake.  The patient agrees because he/she doesn't want to face a future of cancer that might have been avoided or some other debilitating disease that supposedly could be better treated or more quickly identified by these tests.  The doctor does the tests, bills the insurance who of course denies the claim.  The doctor then bills the patient, who of course can't pay the bill (no one ever told the patient these tests would end up costing them more than their car, which they could only afford by taking out a 5-6 year loan).  So, the doctor reports the patient to the credit agencies for non-payment and sells the account to a collection agency as bad debt.  The collection agency then hassles the patient non-stop for months until finally giving up.  In the meantime, the patient can't buy a house because their credit sucks because some doctor wanted to make a few extra bucks.  And don't try to tell me that this scenario doesn't happen all the time in our healthcare system, because I'm the guy that audits those records so I'm talking from first hand knowledge, not some video I saw on youtube or some media-driven propaganda in an election year.  And I'll be the first to tell you there is nothing right about what that doctor did, who by the way is probably driving to his/her office to run another such scam on some patient while enjoying the comfort of a new Lexus sipping on some coffee that costs more than my meals for the day.  Sorry for the rant . . . Angry
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thepudd
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« Reply #148 on: May 23, 2008, 09:03:15 AM »

I see similar parallels in the Canadian education system, where a University teacher may fail a student, causing them to redo the course and have to pay again. Obviously if a student is not doing the work, they fail, but it's a different matter when the teacher decides it's in their own best interest to get more money from that student. I don't know if this is wide spread, but I know it does happen. Similar to what you point out, Reborn, dangerous conflicts of interest can arise.
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thepudd
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« Reply #149 on: May 23, 2008, 09:11:02 AM »

Do these dangers mean all education and health care should be free? I don't think so. These problems can be curtailed in other measures.
But I think this is one of the inherent risks in a capitalist system. (Note I said risks... these again can be curtailed with the right endevours.)
When people come to be viewed solely as vehicles for further capital, capitalism is surely at it's worst.
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