Comments by "LRRPFco52" (@LRRPFco52) on "PowerfulJRE"
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Medical bankruptcy is one of the most inflated claims in the US to generate hype for political purposes, while not having a very significant influence on bankruptcy filings. Bankruptcy filings are a result of multiple factors, and medical bills are nowhere near the top factor according to all the data I have studied. For starters, Elizabeth Warren’s cherry-picked study went to 2005, where there were only 1.45 million bankruptcies filed in the whole US including Chapter 7, 9, 11, 13, and 15. Only Ch 13 is for wage-earners, while Ch 15 represented the largest % of filings. The study expanded the parameters to include if people had missed 2 weeks of work due to sickness, had medical bills over $1000, and mortgaged their home to pay for bills.
If bankruptcy filers fell into those categories, it was listed as "bankruptcy due to medical expenses", even if that wasn’t true. That’s less than half a percent of the overall population who even filed for bankruptcy. By adding those parameters, they fudged the data to indicate that 61% of the filers filed because of medical expenses.
Another study in 2011 found that only 26% of Ch 13 filers said medical expenses played a role.
Some studies said 57.1% while others said more people filed bankruptcy for medical expenses than overall bankruptcy filings, which is egregiously flawed. Not only can’t all Ch 13 filers be due to medical expenses, but Ch 13 can’t exceed all of the types of Chapter filings due to the dominance of corporate and foreign businesses filing bankruptcy each year. Ch 13 is only 27-38% of bankruptcy filings each year.
Another thing is that personal bankruptcies are not a constant Y2Y. Personal bankruptcies peaked in 2010 at over 434,000 after the financial crisis, then dropped dramatically down to around 299,000 in 2016, 289,000 in 2019, and 194,000 in 2020.
Chapter 13 Bankruptcies in US Year to Year
2008: 353k
2009: 398k
2010: 434.8k
2011: 417k
2012: 375k
2013: 343k
2014: 313k
2015: 302k
2016: 299k
2017: 296k
2018: 288k
2019: 289k
2020: 194k
2021: 117.7k
2022: 149k (.05% of the US population)
Anytime someone presents a claim, automatically question whether that claim is even accurate, then do the research and understand the basic math. In the case of medical bankruptcy, it’s an extremely inflated piece of hype used by proponents of massive change to the overall US system, with no numbers to support it. It’s sensationalist hype really.
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@sulla1537 It's also a generational thing. With each successive dumbing-down of classes, I guess many are ok with lowering their expectations from professional degrees when it comes to being able to form coherent and logical thoughts, then communicate them in proper English.
The fundamental problem with her thinking is that there are 2 groups on this current campaign to inject everyone with experimental mRNA gene therapies.
The flaw with that is that there can't be other options or classes of people, for example:
1. People who trusted the recommendations of their doctors, and are now suffering permanent neurological and blood clotting disorders
2. People who were coerced into getting injected, and now have experienced adverse effects or are learning more about the safety problems with starting a mass countermeasures campaign before the 2nd seasonal wave was even midway
3. People who absolutely accept that the bioweapon is real and dangerous, but also don't trust anything they're hearing from corporate media, and remain skeptical and cautious out of survival instinct and intellect (the largest group of skeptics are people with PhDs)
4. People who got injected, suffer adverse effects, but still "trust the system"
5. People who instinctively don't trust media and the pharma sponsors by default
6. People who have no clue about anatomy, physiology, or virology, and trust media and pharma without reservation because of 13 years of normative behavioral programming and conditioning
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Every SOF element in Afghanistan ceased what they were doing and went into a CJSOTF CSAR mission, not just for him, but the other Army aviators and the rest of Luttrell’s SDV Platoon who were in the QRF Helo, as well as the rest of Luttrell’s Team. There’s a podcast with one of the SF guys who tells that side of the story that is very lengthy. Dudes were falling out, boots getting shredded, dudes had to locate and bag the bodies at the crash site, and then they had to try to find the remains of the other 3 SEALs, one of whom was far away from the other 2 and wasn’t located until locals showed where they had buried him.
There’s another video from the Ranger Company perspective, including the 1SG. The CSAR mission was very grueling due to the terrain and elevation, plus weather. Most of what has been reported and fed into the entertainment industry side simply doesn’t line up with the facts. The Navy turned it into a recruiting opportunity when it really was a scathing example of piss poor planning and execution of the recon and how the QRF were forced to go in ahead of Apache gunships without support, and all died as a result.
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@benmllr5499 It isn't because of money, but citizenship that allows me to live and work in Europe if I want to. In the US, any working-age person can move to whatever part of the Country they choose. They don't need to show a passport, go register with the local magistrate (you have to do this in most of Europe in my experience), or ask someone's permission.
You can do whatever you want and you'll be within close distance to numerous hospitals, clinics, specialists, and a very advanced medical system framework in suburbs, cities, with surprising options even in many rural areas.
As to the costs of ER visits, we have huge data samples from which to judge. In 2017, there were 144.8 million ER visits in the US for a total cost of $76.3 Billion. That's an average ER visit cost of $526.93, not $2000 for basic IV therapy.
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@Chakirisan I absolutely agree and I think most people recognize that costs are inflated. When providers aren’t actually telling the patients what things cost, and the billing staff sends invoices to insurance, there’s a ton of elasticity to hike prices up. Congress get into office with the insurance companies, Pharma, medical suppliers, hospitals, and unions financing their campaigns, junkets, and insider trading portfolios, so there is zero incentive there to take an axe to medical costs in DC.
The HHS from 2017-2020 was one of the only times in US history where the Federal government stepped in to cut costs by authorizing 900-1000 generic drugs every year, which actually hurt Pfizer and other Pharma giants’ inflated profitability. I’m all for profitability, but not kleptocracy and political elites used as gate-keepers to contracts, authorized drugs and procedures, and running that scheme they have with Medicare A propping up hospitals. Congress and the medical industry operate like a well-oiled organized crime racket, because they are one.
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@DashDa5h Yes, we pay lots of taxes, but our taxes don’t pay for an NHS like in developed nations that rely on the US for Research and Development on Medicine, Diagnostic Tools, EMS, procedures, and their defense industries. We have a combo of publicly-funded social safety nets (Medicare, Medicaid, Social Security) with the private sector health insurance.
In countries that still rely on the US for their major developmental programs, medicine, advanced technology, and critical defense programs, who also have NHS, they tend to tax their people excessively while still being unable to provide the above mentioned pillars necessary to have functioning nations.
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@dean1130 Trump renegotiated the terrible trade deals we had with other countries, which put the US first. This had dramatic effects on pricing, tariffs, re-shoring of US companies, and jobs/lowest unemployment in generations.
Then the business taxation policy brought back unprecedented levels of liquidity into the US, which had been off-shored in tax havens due to previous WH and Congressional taxation policies.
His energy policies being friendly towards US energy companies compounded with those other acts, which sent the US into a period of economic growth that all his critics said was impossible.
Inflation was almost non-existent. Gas prices were lower than they had been in decades, interest rates were low, allowing millions of Americans to buy homes and cars more easily.
These are all facts if the economy then. Now we have crazy inflation, interest rates that price people out of homes and new cars, food unaffordable, gas at well over $4-$7/gallon depending on region, Russia invading Ukraine on their way to the rest of Eastern Europe per Putin's goals, US military recruitment at all-time lows, Chinese and Russian agents visiting Biden Beach houses stacked with boxes of classified documents, while a geriatric pedophile traitor curses our Nation with each breath he takes, as his crackhead son runs around with no-show jobs for the Chicoms and Russian Mafia scams.
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@solenstyle Even before ACA, everyone that wanted insurance had insurance through their employers, Medicare, Medicaid, Social Security, and State programs. The US spends profane amounts of money on those programs.
Medicare and Medicaid are $1.3 Trillion/yr combined, for example.
What ACA did was force young college-age adults who didn't want or see much need for insurance to purchase it under a contrived last-minute taxation angle, so now everyone is on some type of insurance plan.
People who were disabled, elderly, or felt they didn't have access to private plans already had huge social safety nets paid by all wage earners and businesses collectively through those programs.
We shouldn't be talking about anyone without insurance post-ACA. It forces you to ask, "If we have ACA, what's the problem with coverage now?"
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Medical bankruptcy is one of the most inflated claims in the US to generate hype for political purposes, while not having a very significant influence on bankruptcy filings. Bankruptcy filings are a result of multiple factors, and medical bills are nowhere near the top factor according to all the data I have studied. For starters, Elizabeth Warren’s cherry-picked study went to 2005, where there were only 1.45 million bankruptcies filed in the whole US including Chapter 7, 9, 11, 13, and 15. Only Ch 13 is for wage-earners, while Ch 15 represented the largest % of filings. The study expanded the parameters to include if people had missed 2 weeks of work due to sickness, had medical bills over $1000, and mortgaged their home to pay for bills.
If bankruptcy filers fell into those categories, it was listed as "bankruptcy due to medical expenses", even if that wasn’t true. That’s less than half a percent of the overall population who even filed for bankruptcy. By adding those parameters, they fudged the data to indicate that 61% of the filers filed because of medical expenses.
Another study in 2011 found that only 26% of Ch 13 filers said medical expenses played a role.
Some studies said 57.1% while others said more people filed bankruptcy for medical expenses than overall bankruptcy filings, which is egregiously flawed. Not only can’t all Ch 13 filers be due to medical expenses, but Ch 13 can’t exceed all of the types of Chapter filings due to the dominance of corporate and foreign businesses filing bankruptcy each year. Ch 13 is only 27-38% of bankruptcy filings each year.
Another thing is that personal bankruptcies are not a constant Y2Y. Personal bankruptcies peaked in 2010 at over 434,000 after the financial crisis, then dropped dramatically down to around 299,000 in 2016, 289,000 in 2019, and 194,000 in 2020.
Chapter 13 Bankruptcies in US Year to Year
2008: 353k
2009: 398k
2010: 434.8k
2011: 417k
2012: 375k
2013: 343k
2014: 313k
2015: 302k
2016: 299k
2017: 296k
2018: 288k
2019: 289k
2020: 194k
2021: 117.7k
2022: 149k (.05% of the US population)
Anytime someone presents a claim, automatically question whether that claim is even accurate, then do the research and understand the basic math. In the case of medical bankruptcy, it’s an extremely inflated piece of hype used by proponents of massive change to the overall US system, with no numbers to support it. It’s sensationalist hype really.
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We didn't follow any of the recommended schedule with our 3 younger kids.
They're taller and stronger than many adults now, high intellect, no diseases, no autism, all home-schooled.
We watched a lot of other close friends and family follow the schedule, resulting in high rates of autism, learning disorders, chronic illness, flu, etc.
We watched our newborns like hawks in L&D, so they were never out of our sight.
I've been studying immunology, virology, and epidemiology since the 1990s. The more I've learned, the less I trust pediatricians and most doctors.
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@savethetowels Thousands of doctors are not really trained in virology and immunology. They get maybe a few weeks of basics on the topic and never really touch it again until incidental events happen.
The pharmaceutical industry relies on them being ignorant and just mindlessly following the recommended schedules of their increasing list of toxic products.
Toxicity is a baseline fundamental in vaccines because they need to trigger your immune system to the injection site.
Those are called adjuvants, which is where the mercury, aluminum, and aluminum salts come up.
Toxic metals trigger inflammation and reaction by your lymphocytes, which attack and encase the disease agents, then carry them to your lymphnodes to be processed by identification systems, then killed.
The immune system then keeps these antibodies on-file for future encounters.
That's the basic theory of virology and vaccines. Some say it works great, while more and more researchers question its efficacy to risk ratio, because the studies are rigged by pharma as a general rule.
Often ignored factors include water sources, nutrition, Vitamin D intake, hygiene, daily interaction with nature vs couped up indoors, air quality, and overall wellness.
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Nick Yankee These are the types of studies I’m talking about that count on people not looking up the numbers. It’s not possible for 530,000 families to turn to bankruptcy when only 229,703 Chapter 7 filings and 149,077 Chapter 13 bankruptcies were filed in 2022. Somebody is lying, and it isn’t the US Bankruptcy Courts statistics.
The worst year since 2008 was 2010, with 1.146 million Ch 7 and 434,839 Ch 13 filings. That was because of the sub-prime housing Markey with variable rate mortgages, not medical bills. Ch 7 & 13 filings dropped dramatically since then and most Ch 13 filings are due to mortgage default, auto loans, credit card debt, and a series of financial factors that contribute overall to households seeking Ch 13 protection.
Those studies (that say anything over 26% of Ch 7 & 13 filings are due to medical bills) manipulated the data to include if the earners were off work for 2 weeks or more, were injured during the year in question, and things not related specifically to their filing.
Even we add up all Chapter 7 liquidation bankruptcies and Chapter 13 wager earner bankruptcies, we don’t reach this 530,000 number since 2020 unless over 88% of bankruptcies were due to medical bills in 2020, and 124% of filings in 2021 (not possible):
2020 Ch 7 + Ch 13 = 603,548
2021 Ch 7 + Ch 13 = 428,381
2022 Ch 7 + Ch 13 = 378,780 filings
In reality, there were more likely 98,780 Ch 7 + Ch 13 filings combined where medical bills were the major factor, on top of bad debt/income ratios, especially with credit card bills and crazy auto loans.
Medical providers generally work with people on a payment plan, which should not even be a thing because we have Medicare, Medicaid, Social Security, ACA, and private providers. Medical debt bankruptcy is generally more of a story about bad personal finance, not an inherent problem with the healthcare system, although I do agree that providers, Pharma, and insurance companies hike up prices when nobody sees how much things actually cost.
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