Alternatives to Trumpcare and Obamacare

Get insurance out of health care altogether, except for catastrophic, unanticipated injuries. After all, insurance is about managing risk. You wouldn’t have your car insurance pay for routine oil changes, or your homeowners insurance pay for a new coat of exterior paint on your house. The very idea is absurd from an economics perspective, cost-prohibitive, and goes against the very definition and purpose of insurance. Having one’s insurance pay for a routine tooth cleaning or simple physical checkup makes no more sense than having insurance pay for a new tires or a home termite inspection.

General Insurance Coverage:
Join a health care sharing ministry. These are voluntary, charitable membership organizations that agree to share medical bills among the membership. Samaritan Ministries, Christian Healthcare Ministries, and Christian Care Ministry. They operate entirely outside of Obamacare’s regulations, and typically offer benefits for about half the cost of similar health insurance. Members are also exempt from having to pay the tax for being uninsured.

Critical Illness Coverage:
Acts like an insurance policy if you have kidney failure, heart attack, stroke, etc. I'd get the highest benefit amount possible.

Accident Coverage:
You should max out your medical and uninsured/under-insured driver coverage amounts
under your auto insurance policy, which can pay medical bills if you are hurt in a car accident.

Concierge Medicine
Contact local doctors and see if they offer services for a monthly fee. In my area, $60 gets 24/7 access.

The Tyranny of the Tax Man

In 1913, the entire federal tax law, plus explanations and other related material, fit into a single 400-page volume. Today, they total 40,500 pages in 22 volumes. And the list below shows you all the taxes that have been added. Yet the government is broke??????

  1. Accounts Receivable Tax
  2. Building Permit Tax
  3. CDL License Tax
  4. Cigarette Tax
  5. Dog License Tax
  6. Federal Unemployment Tax (FUTA)
  7. Fishing License Tax
  8. Food License Tax
  9. Fuel Permit Tax
  10. Gasoline Tax
  11. Hunting License Tax
  12. Inheritance Tax
  13. Interest Expense Inventory tax
  14. IRS Interest Charges IRS Penalties (tax on top of tax)
  15. Liquor Tax
  16. Luxury Taxes
  17. Marriage License Tax
  18. Medicare Tax
  19. Property Tax
  20. Real Estate Tax
  21. Social Security Tax
  22. Road Usage taxes
  23. Sales Tax
  24. Recreational Vehicle Tax
  25. School Tax
  26. State Unemployment Tax (SUTA)
  27. Telephone Taxes such as federal excise, universal service fee tax, federal, state and local surcharge taxes
  28. Utility Taxes
  29. Vehicle License Registration Tax
  30. Vehicle Sales Tax
  31. Watercraft Registration Tax
  32. Well Permit Tax
  33. Workers Compensation Tax


Pay Out Social Security Contributions Then Shut Down the Program

SsOf course you can't do that because that would save the government literally trillions of dollars!

Take me as an example. I have paid in $69,058 as of 1/1/2011. Assume I could request a check for that amount right now and not collect Social Security at retirement.

If I live to 75 (male life expectancy from wiki) and retire at 62. I would receive $828 every month for 156 months from Social Security. That is $129,168.

The government saves $60,110.

Over the next 20 years, 74 million boomers will retire. If my situation is "typical" the government could save $4.45 trillion!

Investment Advisors Forced To Give You The Same Old Tired Advice

The big brokerage houses steer you to the "most common" investment direction. That is, do what everyone else is doing - a kind of collectivism. What you need to know is that they are forced to do this by law. It's called the Prudent Man Rule. Just another regulation to keep folks in wage slavery!


Government Forces Consumer Purchases (Beyond Health Care Legislation)

  • The FCC made us switch to digital cellular networks;  forcing analog users to upgrade.
  • In 2015, you won't be able to buy an incandescent light bulbs; forcing you into more expensive CFL anf LED technology.
  • And we all had to switch to digital tv back in 2009; forcing antenna folks to buy additional equipment!

So the next time any politician says "you can't make consumers buy something" give them my examples and ask them to stand up to tyranny!

The Best Bailout Plan Would Have Been To Rescue Homeowners

How? By simply paying off their mortgages. Since 2/3 of GDP is consumer spending, the savings would have gone to buy products/services. That would have kept the unemployment rate from rising.

Here is what my research shows:

The quarterly survey published by the Federal Reserve, called the Flow of Funds Report, shows the total value of all home mortgages in the U.S. was $11.2 trillion through the third quarter of 2008.

According to a team at Bloomberg News, at one point last year the U.S. had lent, spent or guaranteed as much as $12.8 trillion to rescue the economy.

Here is what they did:

$9 trillion given to 8000 banks.