OT: Predictions for 2016 Presidential Election

User Forum Topic
Submitted by svelte on December 11, 2015 - 7:41am

I apologize in advance for bringing up the topic (it is sure to be over-discussed next year!), but now is a good time to make predictions.

The primaries start in just a few weeks and bring clarity to who will be the final candidates.

So now is the opportune time to make predictions: who will be the final, post-convention candidate selections for US President of the Democratic Party, the Republican Party, and any other party you which to mention?

Bonus points for specifying who their running mate will be!

Submitted by FlyerInHi on February 21, 2016 - 1:23pm.

ltsdd wrote:

BTW., is it just me or Ted Cruz has a very annoying voice? I thought I was going to get a seizure a few times listening to his debates/speeches.

Yes, his voice is annoying.. high pitched and sharp. In a different era, his voice would be upper-crust. The upper class had more nasal speech. Like the Queen's English or Northeast Brahmin English.

I think that Ted Cruz speaks well and is very smart... diabolically smart.

Submitted by bearishgurl on February 21, 2016 - 3:19pm.

FlyerInHi wrote:
. . . Trump's personality very is compatible with the brash, "cowboy" American lower-class mentality. It doesn't matter that he's not a policy expert, that he flip flops. All that matters is that he's saying: "don't fvck with America, because we will destroy you; and we will win, and win big!" . . .

brian, I've suggested to you before here that you really need to get out more. I-8, I-10 and I-40 beckon. Have you actually been to the some of these spreads that the typical "brash, "cowboy" American (of supposed) lower-class mentality" owns and lives on? It's not what you think. Real "cowboys" don't live in run-down trailer parks full of meth labs. They have to be able to store their many (large and expensive) "toys," equipment and animals. They make more off leasing their land for ranching per year than you would off owning and (laboriously) managing a fleet of short-term rentals in LV. As let's not forget their gas and oil lease income which a good portion of their fathers and grandfathers negotiated with Big Oil back in the day.

If you actually met any of these guys, you might discover that they are clean, well groomed, both well-spoken and soft-spoken, well mannered, possibly college-educated and their boots and hat alone are worth more than the total of everything in your closet! TX is CHOCK FULL of these families, and to a lesser extent, OK and AR. Not everyone in the bible belt is a "right-wing, uneducated, nut job." It is full of very sharp businessmen and women sans the flash and brash of Trump.

And Trump doesn't need to be a "policy expert." Trump has a good understanding of the issues this country is facing between his ears (esp foreign policy and military issues). He doesn't even need cliff notes or a teleprompter. He most certainly knows enough people to find the best "policy experts" and "negotiators" in the country for his cabinet should be be elected.

Trump's personality doesn't bother me at all. He reminds me a little bit of my dad (who was very successful in his own right, I might add).

And no, I'm not a registered Republican and haven't been since the Reagan era. I'm making up my mind on how I might re-register (if necessary) and who to vote for this year based upon how the candidates state they will deal with issues that I am most concerned about and whether I think what they are proposing is actually doable.

Submitted by FlyerInHi on February 21, 2016 - 3:21pm.

If those Republicans in TX, AK, Ok... are so wealthy, then WTF are they angry about? Go spend some of that money and enjoy.

Submitted by outtamojo on February 21, 2016 - 4:06pm.

FlyerInHi wrote:
If those Republicans in TX, AK, Ok... are so wealthy, then WTF are they angry about? Go spend some of that money and enjoy.

Republicans I know are most angry when they see someone receiving something "undeserved" or they didn't "work" for.

Submitted by bearishgurl on February 21, 2016 - 4:47pm.

FlyerInHi wrote:
If those Republicans in TX, AK, Ok... are so wealthy, then WTF are they angry about? Go spend some of that money and enjoy.
They do. The fav winter vacation spots for families in that region are the Mexican Riveria and the Caribbean. Transportation is cheap from major TX airports. In the summers, they haul their cigarette boats, cabin cruisers and Ski Nautiques (loaded with water toys) into Lake Texoma and OK and northern Arkansas' lakes to the same family cabins every year. Once unpacked and settled in, they slalom with the sunrise and continue to ski, explore and fish the rest of the day. Before dinner, they swim next to the boathouses, jumping off the decks, have a BBQ dinner with homemade ice cream cranked with rock salt, turn in and start all over at 5:00 am most mornings. It's not uncommon for them to shoot off piles of fireworks on the weekends (it's still legal there, AFAIK).

I spent 15 summers of my childhood doing this for 1-3 weeks every summer, where my uncle put on a fireworks show at least once per week and provided us kids lesser fireworks. We had a blast and the lake water feels like bath water!

Submitted by FlyerInHi on February 21, 2016 - 5:03pm.

BG, in that case, then why live in Chula Vista?
Go join your relatives. Bye, Bye, as Trump would say.

Submitted by FlyerInHi on February 21, 2016 - 5:11pm.

outtamojo wrote:
FlyerInHi wrote:
If those Republicans in TX, AK, Ok... are so wealthy, then WTF are they angry about? Go spend some of that money and enjoy.

Republicans I know are most angry when they see someone receiving something "undeserved" or they didn't "work" for.

Ok, I can accept that. But do their children and relatives deserve anything that they didn't "work" for? And, also, if we can create growth and wealth for our citizens, then why not give them a hand so we can all be better off?

Don't you think that if you give your kids a good education and some startup capital, they will do better? If you make them work for every penny, they may not make it at all.

My question, however, was more specific to BG about Trump supporters. If things are so good, then why is America "losing, not winning, going to hell."

Submitted by bearishgurl on February 21, 2016 - 5:25pm.

outtamojo wrote:
FlyerInHi wrote:
If those Republicans in TX, AK, Ok... are so wealthy, then WTF are they angry about? Go spend some of that money and enjoy.

Republicans I know are most angry when they see someone receiving something "undeserved" or they didn't "work" for.

This is somewhat true, but "bible belt dwellers" have compassion and many biz owners there are heavily into local philanthropy. If you remember, Houston took in tens of thousands of Katrina victims with hardly anything more than the clothes on their backs. Social services in TX are nowhere near as generous as they are in CA (except for maybe food aid, which is run by the Dept of Agriculture). Their "culture" is that you give a person a fishing pole and teach them how to fish. This refugee group bussed in from the state of LA was given all the basics (with Federal funds but the TX govm't still had to properly administer all the programs it paid for), given vocational training and placed in jobs. These opportunities never existed for them back in New Orleans and they were used to being "on the dole" back home ... for generations. Now, over 10 years later, this group is, of course, spread out and far more self-sufficient than they ever would have been been had Hurricane Katrina never happened. A lot of the kids ended up graduating from college which never, ever would have happened had they stayed back home.

Biz owners in this region have the same concerns as biz owners in CA, and yes, some ARE angry about certain issues and rightly so. My dad had a medium sized business which operated in 7 states and the bureaucracy he had to deal with was mind-numbing. His biggest concerns were liability for injury, being gouged by insurance companies, bureaucratic red tape to get from point A to point B and back and his state taxing entity with their hands constantly outstretched, whom he called, "corrupt." Sound familiar? He also was less than pleased with IRS rules and policies and felt some of them made no sense. And the list goes on. It isn't any different than how a small/med-sized biz owner feels in SD.

Joe and Jane 6p in the bible belt are angry about Obamacare .... as I am. They're forced to pay money for premiums every month where no nearby providers exist for a large portion of the population. Especially those small town and rural dwellers who have no providers within 50 miles of where they live. And a few carriers who signed up with their exchange(s) in 2013 have already gone bankrupt, thus, there are even less insurance companies today for that populace to sign up with. In addition, TX and OK did not agree to Medicaid expansion, which left a lot of moderate-income families feeling too poor to be able to pay (even a portion of) a health insurance premium every month and too "rich" for Medicaid.

Submitted by XBoxBoy on February 21, 2016 - 5:55pm.

kcal09 wrote:
I like Trump... I don't agree with everything he says... he's crude, rude and crass. But I believe him when he says he is going to make good deals for our country... because he will have the best business people in the world making those deals... that he will bring jobs back to the US. He is not beholding to anyone, and I like that too. Say what you want, he is not a moron. Trump isn't stupid.

You're creating a strawman. No one I know or read is saying Trump is a moron or stupid. The issue is that he's an arrogant, narcissistic, bully. And while that might be someone you can rally behind he will end up being an extremely ineffective leader. (And as others have already pointed out, his financial track record shows he hasn't been a very successful leader of his own companies.)

First, he will alienate many of our allies. And as much as you might want to wave the flag and shout "America USA!" our country needs to engage and interact with foreign countries for the betterment of all people. (Including US citizens) Trump's lack of diplomatic skills will be a significant detriment to US interests around the globe.

Second, Trump will need to work with congress to actually implement anything. And if nothing else is clear, it should be clear Trump is not going to be able to function in that environment. Contrary to what his supporters seem to believe, the president of the country is not like the president of a company. He doesn't get to just say, "You're Fired!" and that's that. Like it or not, the presidnet needs to lead through coalition building. And one thing Trump definitely is not is a coalition builder!

Submitted by bearishgurl on February 21, 2016 - 6:06pm.

FlyerInHi wrote:
outtamojo wrote:
FlyerInHi wrote:
If those Republicans in TX, AK, Ok... are so wealthy, then WTF are they angry about? Go spend some of that money and enjoy.

Republicans I know are most angry when they see someone receiving something "undeserved" or they didn't "work" for.

Ok, I can accept that. But do their children and relatives deserve anything that they didn't "work" for? And, also, if we can create growth and wealth for our citizens, then why not give them a hand so we can all be better off? . . .

CA gives the biggest and most widespread "welfare benefit" of any state in the union in the form of Props 13, 58 and 193. NONE of its residents who have most benefited from these sections did anything at all to "deserve" this special treatment except hold real property bought long ago (for very little money) or was born into a family that did and "inherited" said real property.

How is the 66-year old only child whose "inherited" home has been in gross disrepair since a few months after he "inherited" it (replete with constant trash and junk all over the property) more deserving than his neighbors who have pride of ownership? Is it fair that he has a $400 annual property tax bill versus my $4000+ annual tax bill? He's been leeching off mom and dad (and then just dad after mom passed) his entire life and is nothing but a "loser."

If his taxes were set from a "market-rate assessment" making them now ~$4000 (as mine are), his property would have already been auctioned off several years ago for back taxes and penalties and the new owner would have come in and cleaned it up. This "loser homeowner" has a nice monthly disability pension for life but just blows his money, buying two more vehicles (he has four now) in the past two years. These sections still on CA's books today have the effect of "loser-heirs" deciding to attempt to keep a deceased parent's property as a principal residence when they have no business whatsoever in being a "homeowner" with all that goes along with that.

No, he (and millions more Californians) don't deserve this gubment largesse and of course, I'm angry about it! It's grossly inequitable and unjust enrichment to mostly residents who have done absolutely nothing with their lives but there is nothing that will be done about this in my lifetime. My only recourse is to focus on "getting mine," however small that may be (Prop 60 or 90) :=0

Submitted by phaster on February 21, 2016 - 6:26pm.

all wrote:
bearishgurl wrote:

There is a reason for everything. I'll just leave it at that.

No! Not another cliffhanger!
Let me guess, John Snow's spirit lives through his pup?

its the weekend so just thought I'd drop in and see if there was any reply to the pension debate

http://piggington.com/how_will_unfunded_...

I see there is no-response so guess that cliffhanger is on hold for a while....

harvey wrote:
kcal09 wrote:
I like Trump... I don't agree with everything he says... he's crude, rude and crass. But I believe him when he says he is going to make good deals for our country... because he will have the best business people in the world making those deals... that he will bring jobs back to the US. He is not beholding to anyone, and I like that too. Say what you want, he is not a moron. A good economy, with people working good jobs, and a lot of our current problems go away,
Remember Bill Clinton... "It's the economy, stupid" ... duh... and he left with a balanced budget and an economy that was a lot better than it is today... after Bush and the Obama trashed it... You say Reagan set it up for Bill, ok, fine, no argument...It is the economy, stupid. Trump isn't stupid.

"You say Reagan set it up for Bill ..."

I didn't say that.

It's laughable that anyone believes Trump has a plan to create jobs in America.

WRT to the political topic at hand, I'm looking on the bright side myself, if "the donald" does become president it will continue the tradition of "american" humor (being exported worldwide):

http://www.independent.co.uk/voices/comm...

http://www.youtube.com/watch?v=2FPrJxTvgdQ

Personally I find its all-so-refreshing to have Trump point out in plain-speak why "We the people" (i.e. the USA) have problems because of Mexicans, Chinese, robots, Russians, and lastly the Muslims

The MEXICANS are taking the crappy jobs!

http://www.thedailybeast.com/articles/20...

The CHINESE are pricing out the "crackers" (i.e. non white trailer-trash) out of the good RE areas like La Jolla, RSF, etc..

http://www.10news.com/news/more-chinese-...

The ROBOTS are taking over basic manufacturing jobs

http://www.cbsnews.com/news/are-robots-h...

The RUSSIAN women are marrying the men

https://www.youtube.com/watch?v=xbWvJENngo0

AND

The MUSLIMS are the excuse to spy on you

http://www.cnet.com/news/apple-versus-th...

Ain't living in the great "american" melting pot great?

Well it is, at least for those in the > .01%!

Just wish at times I was higher up on the food chain!!

As for a TRUMP jobs plan, (harvey I have to point out you're NOT understanding the grand plan), its all based on selling good old fashion VICE (i.e. gambling and sex)

http://variety.com/2015/film/news/back-t...

http://www.cc.com/video-clips/73fxht/the...

and if the business plan does not work out DECLARE BANKRUPTCY

http://www.politifact.com/truth-o-meter/...

as to how an "expert" in declaring bankruptcy translates in a geo-political conflict, I still have some reservations!

Submitted by bearishgurl on February 21, 2016 - 6:29pm.

XBoxBoy wrote:
kcal09 wrote:
I like Trump... I don't agree with everything he says... he's crude, rude and crass. But I believe him when he says he is going to make good deals for our country... because he will have the best business people in the world making those deals... that he will bring jobs back to the US. He is not beholding to anyone, and I like that too. Say what you want, he is not a moron. Trump isn't stupid.

You're creating a strawman. No one I know or read is saying Trump is a moron or stupid. The issue is that he's an arrogant, narcissistic, bully. And while that might be someone you can rally behind he will end up being an extremely ineffective leader. (And as others have already pointed out, his financial track record shows he hasn't been a very successful leader of his own companies.)

First, he will alienate many of our allies. And as much as you might want to wave the flag and shout "America USA!" our country needs to engage and interact with foreign countries for the betterment of all people. (Including US citizens) Trump's lack of diplomatic skills will be a significant detriment to US interests around the globe.

Second, Trump will need to work with congress to actually implement anything. And if nothing else is clear, it should be clear Trump is not going to be able to function in that environment. Contrary to what his supporters seem to believe, the president of the country is not like the president of a company. He doesn't get to just say, "You're Fired!" and that's that. Like it or not, the presidnet needs to lead through coalition building. And one thing Trump definitely is not is a coalition builder!

I actually agree with you here, Xboxboy. And I agree with kcal that Trump is not stupid. Quite the contrary, he is very shrewd. I just don't see him "alienating" other world leaders or even Congress. He is going to have a passel of "yes-men and women" to do his dirty work for him. Remember that he has had two Eastern European spouses who were both raised conservatively and are not afraid of work themselves. His current spouse has a lot of influence over him. He will surround himself with individuals who will "show him the lay of the land" (so to speak) around Washington. That's what Reagan and Schwarzenegger did in Sacramento after they were elected governor of CA and they had no business or management experience whatsoever. He's a "quick study" and will pick up fast on what to do and what not to do.

Honestly, I think if elected, Trump will play his "implementation plans" very close to his chest. He'll be the "frontman," of course, as he should, but he'll have speechwriters and all the knowledgeable staff at the Capitol at his disposal. I think he does understand parliamentary procedure and also knows the mechanisms of how govm't works.

I think he's just having fun right now, letting us know who he is. If he doesn't get the nomination or win the election, so be it. He is still having a very interesting effect on this election. I'm glad he's running.

Submitted by bearishgurl on February 21, 2016 - 6:39pm.

phaster wrote:
all wrote:
bearishgurl wrote:

There is a reason for everything. I'll just leave it at that.

No! Not another cliffhanger!
Let me guess, John Snow's spirit lives through his pup?

its the weekend so just thought I'd drop in and see if there was any reply to the pension debate

http://piggington.com/how_will_unfunded_...

I see there is no-response so guess that cliffhanger is on hold for a while....

FYI, phaster, I know you've been waiting with bated breath but I just want you to know that I have that PERB Decision of 12/29/15 sitting right here on top of my desk printed out with stick-note tabs throughout. I had to leave it to take a couple of jobs and have been working on taxes this weekend as I have been preparing returns for other family members who need them done ASAP for other purposes. I DO HOPE to get my opinion of it posted here soon and I do sincerely apologize for any inconvenience this may have caused you. PERB is one of my very favoritist (is that a word?) gubment tribunals in the whole wide world and they serve an important purpose which no other entity can.

Thank you for your patience!

Submitted by FlyerInHi on February 21, 2016 - 7:01pm.

bearishgurl wrote:

Biz owners in this region have the same concerns as biz owners in CA, and yes, some ARE angry about certain issues and rightly so. My dad had a medium sized business which operated in 7 states and the bureaucracy he had to deal with was mind-numbing. His biggest concerns were liability for injury, being gouged by insurance companies, bureaucratic red tape to get from point A to point B and back and his state taxing entity with their hands constantly outstretched, whom he called, "corrupt." Sound familiar? He also was less than pleased with IRS rules and policies and felt some of them made no sense. And the list goes on. It isn't any different than how a small/med-sized biz owner feels in SD.

Joe and Jane 6p in the bible belt are angry about Obamacare .... as I am. They're forced to pay money for premiums every month where no nearby providers exist for a large portion of the population. Especially those small town and rural dwellers who have no providers within 50 miles of where they live. And a few carriers who signed up with their exchange(s) in 2013 have already gone bankrupt, thus, there are even less insurance companies today for that populace to sign up with. In addition, TX and OK did not agree to Medicaid expansion, which left a lot of moderate-income families feeling too poor to be able to pay (even a portion of) a health insurance premium every month and too "rich" for Medicaid.

BG, I don't really want to make this personal, but you gave your dad's example... so please be specific.

You say that your dad was successful and ran a medium size business. I would consider medium to be over $10 million in revenue in today's dollar. He should have made a least $500,000 profit annually, in addition to his own executive salary, and left you kids with an inheritance, or gifted you a house in Lake Tahoe were you want to retire. 40 years ago, houses were cheap. What happened to the money?

I run a small business myself and the only "bullshit" thing that I deal with is the County Department of Environmental Health. We need to have a safety plan in case of fire, hazardous material spill, etc... It's kinda of a pain, but I understand why employees should be trained for what to do in case of accident.

Workers comp is expensive, but that's due to health care costs growing faster than inflation. Compliance is simple. The payroll service/software does the computation work.

I get my health coverage through my other work; but small business wise, Obamacare is great because our employees can now buy coverage through the exchange, and have their premiums reimbursed tax-free through payroll deduction. If there're good profits, the employer can be more generous and pay the employees a bonus.

IRS wise, I don't see what is onerous. The rules are what they are. Just follow them. Give me and example of something corrupt.

What is corrupt is BIG businesses being able to shift profits offshore to not pay taxes at all.

Submitted by bearishgurl on February 21, 2016 - 10:14pm.

FlyerInHi wrote:
. . . BG, I don't really want to make this personal, but you gave your dad's example... so please be specific.

You say that your dad was successful and ran a medium size business. I would consider medium to be over $10 million in revenue in today's dollar. He should have made a least $500,000 profit annually, in addition to his own executive salary, and left you kids with an inheritance, or gifted you a house in Lake Tahoe were you want to retire. 40 years ago, houses were cheap. What happened to the money?

I run a small business myself and the only "bullshit" thing that I deal with is the County Department of Environmental Health. We need to have a safety plan in case of fire, hazardous material spill, etc... It's kinda of a pain, but I understand why employees should be trained for what to do in case of accident.

Workers comp is expensive, but that's due to health care costs growing faster than inflation. Compliance is simple. The payroll service/software does the computation work.

I get my health coverage through my other work; but small business wise, Obamacare is great because our employees can now buy coverage through the exchange, and have their premiums reimbursed tax-free through payroll deduction. If there're good profits, the employer can be more generous and pay the employees a bonus.

IRS wise, I don't see what is onerous. The rules are what they are. Just follow them. Give me and example of something corrupt.

What is corrupt is BIG businesses being able to shift profits offshore to not pay taxes at all.

FIH, my dad's biz is still running as a "scaled down version" of its former self. He had about 27 "employees" (a few were "independent contractors") before he passed. Perhaps that size was technically a "small business" and not a medium-sized business.

I only stated that my dad wasn't too happy with some IRS rules and policies. He did not deal with the IRS directly. He had a CPA who handled this stuff for the biz. I did state that he complained about his state taxing agency as being "corrupt." He wasn't referring to income taxes.

All your numbers are way off, FIH. And my dad has never been to Lake Tahoe, much less owned property there, lol ...

My dad's biz was much different than what you do as his biz operated in 7 states (only 3 now). Suffice to say, he was in the transportation business and subject to hundreds of regulations, some of which were different for each state. You don't have to deal with the CA FTB in NV with its quarterly reporting requirements to EDD and thorny UI issues. Nor do you have to fight with CA cities and as a byproduct, their NIMBYs about signage and setback or have to keep active a "business license" for every single sub-biz you are presumably conducting. I know several people who just have a little "side gig" from home and ended up having to apply for a business license for it, even though they just work intermittently or occasionally.

CA isn't that business friendly. Even CA utility providers double the cost of elec, gas, telephone and trash pickup to a business as opposed to a residence which is larger in square feet.

Obamacare is fine for the under-55-years of-age W-2 wage earner who has little or no tax write-offs and thus takes the standard deduction. That is the only type of "situation" that CC workers (who make little more than min wage) understand when they do manual "tax-return reviews." If the CC customer is at least 55 years old and their income is derived mostly from passive sources such as pensions, annuities, retirement accounts, et al, and they have legal writeoffs for a good chunk of it, then the CC personnel do not have the "expertise" to cull these tax returns. This "boomer" group of CC customers is required to "prove" the sources of their income to CC at 1-2 times per year and at times on short notice. I am currently compiling what will be a mountain of evidence that CC has been chiefly targeting nearly ALL of their customers over age 55 (who are receiving a subsidy to help them with their exorbitant premiums and are ALSO real property owners in any of CA's 58 counties) for forced termination of their healthplans followed by forced Medi-Cal placement. If the customer does not comply with the exercise of "proving their income" to CC by their arbitrary deadlines, their healthplan will be terminated behind their back, their CC account will be frozen (so the customer can't access it online) and their electronic file will be forwarded to their County Dept of Human Services (who share the CALHEERS data with CC) for forced Medi-Cal placement for the purposes of "Estate Recovery." Yes, this has already happened to thousands of CC customers over the age of 55 all over the state.

http://www.dhcs.ca.gov/services/Pages/TP...

I have reliable information that the CA AG's office is currently being "beefed up" for a massive collection effort to lien boomers' homes and aggressively pursue MC-recipient's decedent estates for monthly Medi-Cal "managed care fees" incurred beginning at the earliest the month they turn 55 until the day they turn 65. In SD County, these fees are currently about $617 mo plus a $10-$15 "administrative fee." You do the math ... but be sure to increase the fees at least 6% per year for every year. It doesn't matter whether the customer even ever used healthcare ... or not! They will be forced to "repay" their Medi-Cal "premiums" through the forced lien on their homes (or any other real property they own in any CA county), which will be collected upon their deaths if no surviving spouse is still residing in the home and if so, after the surviving spouse dies or moves out permanently. Once CC sends a customers account to their County Human Services Agency, that agency has to "release" the customer back to CC before they will be allowed to (re)purchase a marketplace plan. This procedure takes anywhere from four months to one year in CA, even if their account was transferred to Medi-Cal in error (most of them so far have been).

These actions by CC are overtly discriminatory and may very well be unconstitutional. However the Estate Recovery provisions are written into the ACA and CA law.

In past practice, Medi-Cal only placed liens for "long-term care" they paid for. It did not have very many customers who actually had assets unless they availed themselves of long-term care (usually over the age of 65 and while on Medicare). But with the advent of the ACA, the "asset test" has been removed for MC applicants residing in the in the states which agreed to "Expanded Medicaid," such as CA. We boomers are a "cash cow" for the state and they want as many of us real property owners as possible on Medi-Cal as soon as possible so our tab will begin running on monthly "MC managed care fees." To this effort, CC has been repeatedly flooding us with threatening letters (deadlines keep changing) demanding we manually download documents to their site to prove our incomes to them. ALL of the seven individuals over 55 whom I have assisted so far in "proving" their incomes to CC in response to letters they received (I have a scanner and office set up to do so) made $10-$20K OVER the MC threshold last year but were nonetheless told they must prove their incomes, anyway every single year (even if on a fixed income). In addition, they ALL authorized CC to review their tax return numbers for at least 3 tax years hence.

There is a whole lot more to this sad saga which I'll start a separate thread on at a later date. The reality is that Obamacare was a big lie and is a farce. Covered CA is very, very poorly run, is a deep hole where nothing ever gets resolved and is a joke ... the laughingstock of the state. Billions, perhaps trillions have been utterly wasted on "implementing" the ACA and it is nothing more than a power play by the gubment to gain control over the populace by creating a "requirement" (force people to buy a certain kind of health policy) and then making it impossible for them to fulfill that requirement without constantly jumping through hoops the gubment sets up which means opening up all their finances to them. There are millions out there like me who were happy paying our $358 month for an HDHP from a reputable carrier. Two years later, that $358 month has mushroomed into $1168 month for an "ACA-compliant" policy from a mediocre carrier with much less choice, which I can't pay every month (nor can a LOT of people) without my lousy $390 subsidy. Even then, I had to bump my coverage down a metal level for 2016 to afford it. All the BS I had and have to go thru with CC and having lost my coverage twice (after paying my premium) for a total of 41 days in 2015 due to CC's f-ups makes having an exchange plan not worth it to me anymore. I thought I was going to get to sign up for insurance, set my premiums to be paid automatically and forget it until it was time to renew and that renewing would be a simple mouse click and was I ever wrong! As a road traveler, I didn't know I was going to have to worry constantly if my healthplan membership card is any good and am I actually covered right now? I've recently learned that the non-exchange plans aren't marked up as much (the CC carriers pay CC $14 month for each customer), have more creative provisions in them and have more (even much more) choice of providers.

FIH, I'm happy that you're happy with the status quo in this country but I see several issues which are dragging it down and absolutely perilous for the boomer generation. My advice to you is to stay far, far away from an exchange plan after you turn 55 and buy a plan on your own. (That's what I intend to do this fall - I already have 2 plans picked out for 2017, which are NOT with exchange carriers.) More power to the candidate who is able to get elected and address this huge debacle and other pressing issues!

Submitted by kcal09 on February 21, 2016 - 10:58pm.

For those who don't "get" Trump's appeal, let me suggest a few things you might want to research. First, talk to blue collar people. They love him. Don't lecture these people. Just listen to them. Watch his campaign ads. Listen to his speeches to his followers. Listen to what his followers say to the press who interview him. The silent majority is voting with their middle finger, and the middle finger is directed at the political establishment. Hillary won't win. She can't even win over the democrat voters.
If money and influence in political and business circles made any difference in this race, Hillary and Jeb would be winning by large margins.
Love him or hate him, he has unleashed a floodgate of pent up American frustration. It will be interesting, if not entertaining, to watch his performance as president.

Submitted by harvey on February 22, 2016 - 8:03am.

kcal09 wrote:
For those who don't "get" Trump's appeal, [...]

Perhaps you don't get Trump's appeal.

Here's a little secret: The"pent up American frustration" is manufactured, just like a reality show.

Turn off the TV, and it's gone.

Submitted by livinincali on February 22, 2016 - 10:42am.

harvey wrote:
kcal09 wrote:
For those who don't "get" Trump's appeal, [...]

Perhaps you don't get Trump's appeal.

Here's a little secret: The"pent up American frustration" is manufactured, just like a reality show.

Turn off the TV, and it's gone.

What about Sanders appeal. The president and congress have sub 50% approval ratings. Congress is less than 20%. I think there's at least something to the anti-establishment movement.

Submitted by NotCranky on February 22, 2016 - 11:22am.

I don't want a president any more.

Submitted by FlyerInHi on February 22, 2016 - 12:27pm.

bearishgurl wrote:
You don't have to deal with the CA FTB in NV with its quarterly reporting requirements to EDD and thorny UI issues. Nor do you have to fight with CA cities and as a byproduct, their NIMBYs about signage and setback or have to keep active a "business license" for every single sub-biz you are presumably conducting. I know several people who just have a little "side gig" from home and ended up having to apply for a business license for it, even though they just work intermittently or occasionally.

Business is in CA. You're exaggerating the business environment.

FTB conforms with IRS. All you need to do quarterly is to make an estimated tax payment. Don't like pay, sure, but complying is not hard.

For EDD, just process payroll with paychex or ADP. They calculate and make the payments for you. The only thing you need to do is answer a letter if a former employee files for unemployment. Very simple. Dates of employ, pay rate, and reason for termination.

City business license is maybe $50-500 annually depending on the city. Signage and setbacks are one time deal. Few business people deal with that because they locate their businesses in spec buildings already constructed. Just get a permit for the sign. How hard is that?

Not sure what your problem with ACA is but employees of small businesses can now have buy insurance through the exchanges. It's wonderful if the small business did not provide insurance before.

Employers can help their employees with the premiums through pre-tax Flexible Spending Account (FSA)

Submitted by FlyerInHi on February 22, 2016 - 6:04pm.

kcal09 wrote:
For those who don't "get" Trump's appeal, let me suggest a few things you might want to research. First, talk to blue collar people. They love him. Don't lecture these people. Just listen to them. Watch his campaign ads. Listen to his speeches to his followers. Listen to what his followers say to the press who interview him. The silent majority is voting with their middle finger, and the middle finger is directed at the political establishment. Hillary won't win. She can't even win over the democrat voters.
If money and influence in political and business circles made any difference in this race, Hillary and Jeb would be winning by large margins.
Love him or hate him, he has unleashed a floodgate of pent up American frustration. It will be interesting, if not entertaining, to watch his performance as president.

What are Trump supporters angry about?

I believe the republicans manufactured the discontent. Now it's coming to bite them in the ass.

Submitted by bearishgurl on February 22, 2016 - 6:43pm.

FlyerInHi wrote:
. . . Not sure what your problem with ACA is but employees of small businesses can now have buy insurance through the exchanges. It's wonderful if the small business did not provide insurance before.

Employers can help their employees with the premiums through pre-tax Flexible Spending Account (FSA)

FIH, is your current employer in CA, and if so, do they participate in SHOP?

Please enjoy these (enlightening) links in succession, brian:

http://insuremekevin.com/covered-califor...

http://insuremekevin.com/covered-califor...

http://insuremekevin.com/covered-califor...

http://insuremekevin.com/covered-califor...

http://insuremekevin.com/are-california-...

http://insuremekevin.com/wpfb-file/2015-...

http://insuremekevin.com/dead-beat-dad-c...

http://insuremekevin.com/agent-begs-to-b...

http://insuremekevin.com/wpfb-file/certi...

The above is just the "tip of the iceberg" of CC's surreal dysfunction from only one certified agent's view. It gets worse .... MUCH worse. And GOOD LUCK to your employer! Hope they are in NV, lol...

Submitted by FlyerInHi on February 22, 2016 - 7:13pm.

yeah, BG, "tip of the iceberg", doom and gloom....
In reality, people are getting on with life.

But look at the ACA on the bright side... millions of people are now covered.

If you're a freelance artist or screenwriter, you can buy insurance on Covered California. Likely, you never had coverage before. If you're an Uber driver, you can do the same. If you work for a small office (dentist, doctor, accountant, lawyer etc...), and your small employer never offered health insurance, you are now covered.

Submitted by joec on February 22, 2016 - 7:21pm.

FlyerInHi wrote:
kcal09 wrote:
For those who don't "get" Trump's appeal, let me suggest a few things you might want to research. First, talk to blue collar people. They love him. Don't lecture these people. Just listen to them. Watch his campaign ads. Listen to his speeches to his followers. Listen to what his followers say to the press who interview him. The silent majority is voting with their middle finger, and the middle finger is directed at the political establishment. Hillary won't win. She can't even win over the democrat voters.
If money and influence in political and business circles made any difference in this race, Hillary and Jeb would be winning by large margins.
Love him or hate him, he has unleashed a floodgate of pent up American frustration. It will be interesting, if not entertaining, to watch his performance as president.

What are Trump supporters angry about?

I believe the republicans manufactured the discontent. Now it's coming to bite them in the ass.

I don't know exactly why, but I am one of the 7 out of 10 people who also don't like Clinton...at all...enough I'd rather vote for anyone but her.

I have read that if she wins the nod, she'd maybe get Bernie as her VP to get his voter's support, but I don't know if that'd happen since they would conflict with their idealogy...

I'd love to see if there could be a Sanders/Warren ticket...

If Bernie doesn't get the nod, I am also tempted to go Trump just to give the middle finger too to the establishment. That and I don't want Hillary to win.

Maybe people are just tired of seeing everything seem to have some special interest or favor bent. Just read in the paper how some guy who started charter schools in San Diego got a nice kickback of 5% at all the schools. You see this in nearly everything you read or watch.

I also don't believe you can ever "take" special interest money and not be affected by it so Hillary, to me is just the same old same old. Nothing will get done since everything will be blocked by Republicans.

My hope is that we start taking private money out of politics, lose the 2 party system and start getting MORE non-establishment people elected so the system can change over the next 20 years...

This can be accelerated a lot if Bernie wins since not only among republicans, but I think a lot of dems are pretty annoyed in general. If you look at some of the videos of the democratic national chair, her whole comment is that she wants to keep the people "they" want elected and everyone else can pretty much go to hell. If you are in that group, good for you, but for anyone else, I think this system only benefits the old establishment...

http://www.salon.com/2016/02/13/un_democ...

Also, I liked the Inequality for all Documentary by Robert Reich. Here are some comments for Sanders. He has known Hillary since she was 19 and also SERVED on the Clinton administration as Secretary of Labor. He supports Sanders to fix our political system.

Everyone just knows the system is rigged (things are done for friends of elected officials) due to too much money in politics.

Have a look:
http://robertreich.org/post/137454417985

Yes, taxes will go up, but maybe in 50 years, a large violent group of people WON'T revolt...

Submitted by joec on February 22, 2016 - 7:28pm.

bearishgurl wrote:
FlyerInHi wrote:
. . . Not sure what your problem with ACA is but employees of small businesses can now have buy insurance through the exchanges. It's wonderful if the small business did not provide insurance before.

Employers can help their employees with the premiums through pre-tax Flexible Spending Account (FSA)

FIH, is your current employer in CA, and if so, do they participate in SHOP?

Please enjoy these (enlightening) links in succession, brian:

http://insuremekevin.com/covered-califor...

http://insuremekevin.com/covered-califor...

http://insuremekevin.com/covered-califor...

http://insuremekevin.com/covered-califor...

http://insuremekevin.com/are-california-...

http://insuremekevin.com/wpfb-file/2015-...

http://insuremekevin.com/dead-beat-dad-c...

http://insuremekevin.com/agent-begs-to-b...

http://insuremekevin.com/wpfb-file/certi...

The above is just the "tip of the iceberg" of CC's surreal dysfunction from only one certified agent's view. It gets worse .... MUCH worse. And GOOD LUCK to your employer! Hope they are in NV, lol...

Maybe your ACA plan sucks because it's a "Blue" Cross/Shield/Anthem plan. Those have all got to be the most devious businesses and they are all horrid. When you have to essentially go to a middle man to see what is covered, you're royally fked...

I had one of those at first since it looked like my doctor was there, but low and behold, they lied and they weren't.

I decided to just go with Sharp in San Diego...Coverage is great and no hassles at all.

It's not national, but I have had only non-stop problems with the "Blue" cross/anthem/shield plans.

Maybe a change is all you need and your problems will be less/go away.

Submitted by FlyerInHi on February 23, 2016 - 12:22pm.

I'm putting money on Hillary.
https://www.predictit.org/

Whoever wins the Hispanic vote will win. Hispanics watch a lot network tv so a few opinion leaders have a lot influence.

http://mobile.nytimes.com/2016/02/23/us/...

Submitted by FlyerInHi on February 24, 2016 - 12:27am.

Wow, Trump got 51% in Clark County that is very diverse. He did better in urban areas than in rural White areas.

Trump got the support of 2 Vegas billionaires, phil Ruffin and Steve Wynn.

By next Tuesday. we will have a clearer picture.

Submitted by paramount on February 24, 2016 - 1:35am.

There's no stopping Trump at this point.

And only those who are looking for handouts, are gender or race biased would vote for hrod.

Submitted by NotCranky on February 24, 2016 - 10:18am.

s/

Submitted by kcal09 on February 24, 2016 - 10:59pm.

Trump cannot be stopped unless either Cruz or Rubio drop out which will not happen any time soon.

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