So who ultimately pays for Obamacare?

You will start to see a trend pretty soon that will sweep this nation and all retailers and service providers.

I was reading this article about how a restaurant is going to start charging a surcharge for Obama care.

This brings me back to before all of this and to say that no mater what people want in life nothing the government enforces as a benefit for other will come in with out a cost to everyone.

If you had read my earlier posts you would have read that I think that there should never be an increase in minimum wage. There is a reason why this should not happen and this is a prime example why.

Imagine you are the manager at a fast food establishment and you where told that you needed to raise the minimum wage rates to all your employees and you have 30 employees on the books at this moment and your total profits as it stands barely breaks even after all the costs and expenses of doing business and taxes. So know your forced to make a decision. What do you do?

I'll tell you that you have 2 options. One is to fire people to make up the difference in the additional expense. This would means customers will be served slower and things might be served cold and the over all restaurant may not be as clean as could be if you had enough people to keep the place full stuffed. The second option would be to raise to rates on the menu. This might cause your regular customers to stop going to your place for a quick meal and chose your competitors.

As with this Health care thing you will see the "extra expense" will do exactly as I stated above or both. they might just opt to take the option to no have health care at all and just pay the fine because it would mean keeping people employed and the doors to the business open.

What do you think?

UPDATE: http://washingtonexaminer.com/sorry-businesses-cannot-avoid-obamacare-by-switching-to-part-time-staff/article/2533781

I see report of costs for the cheapest Obama health care plan "Bronze" being 122% higher in cost then the cheapest health care plan available today.

Obamacare Killing the American wallet

A few years back there were rumors of a universal health care plan that would be provided for all Americans. Many people in America voted a president into office for these rumors. "Affordable" while "Keeping costs low" for all of us normal "Joe's" and working stiffs that have insurance provided by our companies.

While that rumor soon became reality and was voted into law. This law is to go into effect starting January 1, 2013. Loudly I hear all the restaurant employees and students and many people that currently don't have health insurance say 'Yes, finally'. BUT do you really understand the laws and the implications of it?

Well today, I here to tell you that the "idea" is a shame and going to take us all to ruin. I know that by me saying this it sounds like a bunch of BS. Or that I'm some corporate still that is over paid and should be punished. Well I'm here to tell you that this is NOT the case. I am a resent college grad with a BS in Network Communications Management. I work full time for a company that does provide health insurance and dental and other benefits, my income is a modest 60k~. Not bad, you might think but take a look at my bills and you would be scratching your head wondering how he can survive. My student loan debt is killing me. I bought a house because i felt that i was throwing away my money on an apartment. My mortgage is only $75 less than the $1425.00 rent that I was paying. My student loans are $800~ per month. And this is just the tip of the bills. Just these two things suck out 25,600 every year.

So now that you have a better understanding of my income, let’s go over the details of my health plan as it currently stands. Currently I pay $24.99 per week ($1300 per/year) just to cover me. (Not bad right) Well, the company I work for have a healthcare and benefits meeting every year in November to go over the costs and give employees the option to make changes to their policies.

So, today we (the department I work in) when to a meeting in a small conference room (me and about 50 other people from other departments) sat or stood were we could for this meeting. The meeting started off as is normally does with the company thanking us for our hard work and that the company is looking out for the better interests of its employees and that the future is looking good for business and that the business wouldn't be what it is without us... Then the rep from the Insurance Company stands up and begins his spill. He tells us some statistics about healthcare and the costs without the insurance and reminds us of their efforts to keep costs low.

So at this point I’m thinking that my insurance plan is going to be reduced that’s to the Obama care going into effect this coming year. Boy was I wrong, Dead wrong. They state that effective January 1, 2013 our weekly rates will be going up, not by $2 or even $10 per week but $50 dollars per week more. This brings my grand total to $74.99 per/week ($3,900 per/year). Ok, breathe now... where’s the low costs and options? (none)

Example of increased Insurance rates

So, the company comes back and states that the rate increase was greatly reduced because the company has footed the bill of about 75% or the increase over all employees. (How nice) But, still a $50 increase in rates or whatever is killer. Where is this extra money coming from that the company now says they are going to foot? I think to myself, they are going to lay off people to cover the costs.
I read many news articles today in fact that read that many were laying off (firing) people to reduce their numbers before the New Year laws go into effect. I didn't think that my company would be part of that too. Until I realized it was already happening and the company was already making these changes I remember to people in my department being handed pink slips. Now it all makes sense.

So what does all this mean for you, or the people that work at say the gas station, your favorite restaurant, or favorite fast food joint, how about the movie nights that many of us enjoy. Costs are going to go up to cover the costs of health insurance were there weren't big health insurance bills before. Where do you think that the company is going to get the money? They are going to fire people and NOT hire people. They are going to raise the costs. You’re going to see your menu prices jump and you movie popcorn (that is already toooooo high) go up even more.

I'm foreseeing that I will not be eating out very often at all. I can't afford to, and then to half to tip on top of that would kill me. No more fast food either, even groceries are going to kill me. I can see a loaf of bread and peanut butter and jelly costing me $2 to $3 per sandwich to make myself. Where now I can buy el-cheapo peanut butter and jelly and bread for about $5 total?
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There is one thing that I hate as it is and could never understand it, why is it that when you go into a Wal-Mart and do your shopping there are like 25-30 cash registers and yet there are only 4-5 open at a time? I foresee that number going down to like 2 or 3 open and maybe reduced hours of operation to cut costs. I really don't like shopping at Wal-Mart but when you live on a tight budget you really can't afford to shop anywhere else.

Okay, I think that I will stop here, give you some time to think things over... Leave a comment below. Tell me what you think? I really want to know. Am I the only one seeing this?

If You were voted into office...

Obama Wins another 4 years

That is the news for today 11/7/2012.

I have a confession to make... I didn't vote for Obama. To be honest I didn't really want to vote at all. As I have found over the years that no mater who is in office there is almost always empty promises or things that never get fixed or promises that never are followed through.

So for the past few elections I have posed this senior and question that I wanted to share with everyone. I also wanted to get your feed back as well.

If you were President (King) for a day (24 hours), and you could change any laws or anything. And everything you decided went in to affect immediately and no one could stop it; what would you do?

Okay, so with that question being posted this is what I would do if I were president for a day.
***Warning all things that I state below are of my own opinion and may hurt your beliefs and feelings, so don't get upset, Or maybe you should leave this page now.***

• I would repurpose the IRS and change the tax system completely to a Flat tax. (If you have read the Fair Tax Act you will understand what I am proposing here and why.)
• The tax would be a flat 10% not higher
• No income tax, no capital gains tax, no death tax...etc. Only tax on new purchased items.
• Taxes would be levied higher and heavy on all import products.
• Company's that export business out side the US to manufacture a product to sell in the US would be forced to pay the high Import taxes.
• Businesses that sell a product or service would be solely responsible for collecting these taxes and the company its self would be the ones audited by the new and re-purposed IRS.
• Term limits for congress members would be changed to state that if you have already been in office once you can not run for office again. The maximum term would be 4 years.
• All politicians would also be forced to take a pay cut to a cap of 100K per year.
• Politicians will not be allowed to spend more money then is allotted by the voters on political campaigns. The campaigns money will come from a pool of tax dollars and will be divided up evenly to the runners in the campaign to make it an even playing field. NO OUTSIDE OR SIDE FUNDING ALLOWED.
• If a politician receives funding from outside sourced they will not be allow to continue running in the campaign and all remaining funds will be returned to the pool and or paid back.
• They would get all the benefits like the military get like tri-care insurance and once their term was up they can elect to keep it and pay out of pocket for it or loose it. (so once they leave that all ends)
• No more pension plans. All congress officials will be required to invest into the market just like the average person does to save for retirement.
• Minimum wage will go down to a flat rate of $5 per hour. OR tipping will be outlawed.
• Foreign policy
• all countries that want our military gone will get there wish and the US will no longer support them.
• All military bases will be closed in all foreign countries and military personal will be pulled back to the US and re-purposed and reduced.
• Most military will be converted to board patrol officers of Nation Guard for disaster emergency and humanitarian purpose in the US.
• Seal off all borders and grant amidst to all illegals that are here or ship them back to there country or process them to make them legal aliens in the US.
• No more unions
• All Americans in the US will no longer be allowed to carry any other abbreviated title to "American"
• The Official language will be English as a primary language. All other languages will be an option only.
• Prison systems that have a death row will have a time length of on 1 year till execution.
• Prisons will be self efficient and will be maintained by the prison system. Prisoners will also have a three strike rule (If they end up in jail for an offense more then twice they will stay in jail with no bail, no release.
• There will be three types of prison systems.
• Rehab - Those that have made mistakes but may be salvageable citizens
• Long term self efficient prisoners (meaning they grow there own food and farm there own animals and have no other luxuries like tv or gym time or games.)
• Military Hardcore Marine corp x10 extremely strict non-combat programs. This is for those criminals that need discipline. (This can be used for minors and adults that need a wake up call. OR long term control)
• No more apologizing to foreign countries, no more hand outs to foreign countries.
• The US will start to take care of its self before worrying about other countries and will stop being the worlds police.
• No more war on drugs all drugs will be made legal.
• Rehab will be available to those that need it with a 3 strike rule and then prison time. (Military style)
• Taxes can be collected on drugs
• DUI, DWI laws will go into affect for all users just like alcohol laws.
• Only stated licensed companies and manufacture and seller. All others will be fined and/or jailed dependent on the case.
• All companies will be held responsible for all liabilities of the users they sell to.
• Age limits, regulations will all apply.

*** NOTE: I don't not condone use of or selling of drugs at all. I feel they are a waste of time and money and life. I only propose this to stop the waste of government spending on trying to control the substances. $$ Billions of dollars are spent every years to control the stuff. Why not profit from it?

• No more drug ads on TV, radio or any other media avenue.
• Common sense laws will be in effect for frivolous law suites. (No more frivolous law suites)
• Abortion laws will be changed to state that the woman wanting the abortion must pay for the expense not the city, county, state or governments.
• Teachers will enforce strict learning environments conducive to learning. Students will no longer be allowed to carry any electronic devices to school other. If parents need to get a hold of their children they must go through the school.
• Schools will no longer be allowed to teach the state mandated academic tests. Schools will not receive extra money based on this test. Teachers will be graded on the quality of the lessons and the learnt content. (Teachers will be free to teach to the best of their ability to make sure the student understands the content. If the teacher feels that student is failing to learn, that student will be held back and/or attend summer school)
• Electric companies will not be able to raise rates and add additional fees with out a public vote. (The ballot will be written in clear simple English)
• Red light camera's will ONLY be used for traffic purposes NOT for collecting funds for the cities they are placed in.

This list goes on an on but I will stop here for now and clarify the reasoning behind most all things that I have listed.

One of the big ones for me is the Tax thing. Everyone pays the tax in one form or another. But it is obvious that not all people pay the same. I understand the need for government and the need for government funding. So that's why I didn't totally get rid of it. I did make it an even playing field no mater if you are a minimum wage person or a billionaire. Everyone would be paying the same rate.

Lets look at a few examples shall we. I know that most all voters believe that the rich should be taxed more and that people think they are the problem. I would say that people that think like this need to look at the broader picture. Ask your self these questions:

1. Have you ever got a job from a Poor man? (long term, longer then one year)
2. Have you ever had the money to donate to research, or humanitarian projects?
3. Has a poor person ever owned a business? that lasted longer then a year? If so, how many employees were on the pay roll? And where is that business now?
...

I really don't know of any poor people that can afford a million dollar home, car, boat, yacht, vacations... and so on. All of these things would be taxed the average person doesn't buy a new car every year or six months just to have a new car. Or buy a $10,000 watch or expensive jewelry. 

I think I made my point here. If not you can comment an I will elaborate or answer any questions you have. (But before you do, read the fair tax act book first)

So now you may be wondering, 'well, how is the government going to survive with only 10%?'... Well this is were the government will be doing its job to make it survive with the limited funds it does have. We all agree that the government wastes a ton of money every quarter and doesn't stop growing in dept but instead of stop the bleeding of money they gain more debt and/or raise taxes or come up with a new tax system or law. By me reducing the amount that they are allowed will force them to thinks smarter and work for their money.

One major reason I stated that the politicians will only make no more the $100k per year with not pension or benefits after is because a lot of money is being spent right there every month for politicians that are currently there and for those that were in office. This will also place them on the same playing level as all the rest of their populous like those that have voted them in to begin with.

I think this is a good stopping point for now. So if you would please give a response below that would be greatly appreciated. I will review and add more to this topic as I am very well aware that I need to explain more on the things I have listed above. Granted the list is very short.

Till next time. Have a great day.