Does no one accept responsibility any more?

Originally Posted by ManOfWord

I would suggest that if you don't want people to know who you are, that you don't reveal it yourself. (just a suggestion)

I was asked about it. Don't take my comments out of context.

[Admin]

Please stop the slander and personal attacks.

Good discussion is encourage, but keep it without attack.

[SDG]

Nicks should be respected too, IMO.

[DividedThigh]

grasshopper, he didnt name you and what he said is true, people do need to take responsibility for themselves, it is to bad your family has struggled, i know about that, but you dont inherit the right to attack mow because of your suffering, neither have i, and i dont ignorantly say mean things to people, when i feel pain, you are revealing your lack of maturity in your anger bro, dt

[The Mrs]

Originally Posted by Daniel Alicea

Nicks should be respected too, IMO.

I agree! Anonymity is important to many here...we have rules against exposing members.

Originally Posted by stmatthew

I am not going to get into this fight. But my understanding was that a few years back the government demanded that the bar be dropped so that more folks could qualify for loans to own a home. This was the beginning of the end.

That’s the talking point. The reality is that lobbyists from the banking industry pushed for deregulation that allows them to sell high risk mortgages to investment firms to then sell on the international market. It’s very complicated but essentially they were making money on giving high risk loans. It’s been revealed recently that a particular lender set a standard to approve no less than so many loans, regardless of the applicant’s likelihood to be able to pay on the loan. Prior to this deregulation what they did would have been highly questionable and maybe even illegal. And now my property values are suffering because of this corruption and the government’s lack of initiative to insure equitable lending practices. Government should work to put swindlers out of businesses. It’s in the best interests of the people that government serves.

While I am not saying there are no cases of predatory lending, I believe that for the majority the responsibility still rests upon the consumer to educate themselves prior to entering into a contract. It is really ignorant to pass that responsibility to anyone other than the consumer. Every library in America has internet, and with this tool anyone can be an informed consumer prior to a purchase. IF the consumer does his due diligence, then he will be able to make an informed decision in his dealings.

Thats my 2 cents anyway.

True. Every consumer should look into it deeply. But we’re talking about some folks who have gone to school and been licensed in the lending industry…no one will know all the details like they do. Nor should they be expected to. When a lender shows presents a lending scheme because it’s technically legal (now) all they have to do is put in some fancy salesmanship and young family’s who think their dreams are about to materialize can be taken advantage of. There should be strong laws against it. They need to re-regulate the industry because this shouldn’t have happened to begin with.

Originally Posted by DividedThigh

grasshopper, he didnt name you and what he said is true, people do need to take responsibility for themselves, it is to bad your family has struggled, i know about that, but you dont inherit the right to attack mow because of your suffering, neither have i, and i dont ignorantly say mean things to people, when i feel pain, you are revealing your lack of maturity in your anger bro, dt

Bro...his post makes struggling people and people who were wronged by a corrupt system look like whiners who just don't accept responsibility. Bro...that's very insulting.

[Baron1710]

Originally Posted by Grasshopper

Here’s an example of your ignorance. A socialist system would have a state insurance provider and force everyone to take a policy with the state provider. It would also make private insurance illegal. That’s nowhere near what’s being advocated.

In the national health insurance plan under the Democrats if you are a employer and providing private insurance for your employees you may freely continue doing so. But if you don’t provide private insurance for employees because it’s too expensive you pay a contribution to the national subsidy. That contribution is indexed to be significantly less than the current insurance rates. If you are employed by an employer who provides insurance you can keep your plan. Or you can opt for the national plan. The national plan is through private insurers and is just like that held by members of congress. The benefit in this plan is that private insurers treat you like you are a government employee in that you benefit from the lower negotiated premiums as government employees do. But ultimately the choice is yours. But in the end the goal is to have every American covered to stabilize health care costs. Insurance companies are really behind this market driven system because not only will it stabilize health care costs but it will provide tens of millions of clients who are not currently clients. This will bring a great boom to the private insurance industry. It’s like in Ohio it became state law to own auto insurance if you want to drive. Not only is everyone covered by an insurer of their choice, but it has brought a boom to the auto insurance market. The entire process is market driven…it’s nothing like a socialist system like you’d see in Canada.

Right now if you were uninsured you could just walk into an ER and get treatment. You can choose not to pay your bill too. But guess what…they will hand that cost down to me in higher costs. Bro…that’s more like socialism than a market driven system where everyone is required to carry some form of health insurance.

I think you’re just not wanting to pay for insurance because you know you can go to the ER and we’ll fit the bill in higher premiums. Now that is THEFT. The government should require YOU to carry your own insurance and that’s what the Democrats are pushing for.

Your differences in your system are laughable. They still have the government forcing me to do something. It is still the government becoming the largest health provider.

As to your final paragraph. You know nothing about me, and your claim is completely false. I have paid every dime of every medical bill I owed. Including thousands of dollars for a prosthesis that needs replacing now and is, in fact, over due for a replacement. But since I am working to send my son to Africa for a month long missions trip to help those less fortunate than us and to share the Gospel, I have put off replacing it until November. So when you wag your finger and give the Bill Clinton DON'T YOU DARE speech to MOW because you have had some problems, stop and think before you make unfounded statements like you just did..

[DividedThigh]

Originally Posted by Grasshopper

Bro...his post makes struggling people and people who were wronged by a corrupt system look like whiners who just don't accept responsibility. Bro...that's very insulting.

i suggest you find a different way to express your anger toward the system, other than insulting, good people who do care about others, sorry i cant help you, dt

Originally Posted by Baron1710

Your differences in your system are laughable. They still have the government forcing me to do something. It is still the government becoming the largest health provider.

As to your final paragraph. You know nothing about me, and your claim is completely false. I have paid every dime of every medical bill I owed. Including thousands of dollars for a prosthesis that needs replacing now and is, in fact, over due for a replacement. But since I am working to send my son to Africa for a month long missions trip to help those less fortunate than us and to share the Gospel, I have put off replacing it until November. So when you wag your finger and give the Bill Clinton DON'T YOU DARE speech to MOW because you have had some problems, stop and think before you make unfounded statements like you just did..

So you don't care that people are going to providers and forcing you to pay their bills, along with fees, and processing costs? Don't you realize your medical bills will be significantly smaller if they had to pay into the system for their care too?