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Speak Out: Will You Boycott Denny's, Applebees and Papa John's?

Some franchise owners of these popular chains are making big changes to offset costs of Obamacare, but it's causing some customers to rethink which businesses they'll support.

 

Several franchise owners of popular restaurant chains say that the Affordable Care Act or Obamacare will increase costs for small business owners—and in order to offset costs they are adding surcharges to bills, threatening layoffs and more.

According to the Huffington Post, John Metz, a Florida-based Denny's franchise owner, is adding a 5 percent surcharge to customers' bills to offset costs for healthcare.

Apple-Metro CEO Zane Tankel, who owns more than 40 Applebee's chains in the metro New York area, slammed Obamacare on Fox Business Network, Huffington Post reported, stating he would not hire any more employees and may cut the hours of current employees. 

But a Twitter campaign has already begun against Papa John's after CEO John Schnatter said the chain would increase prices to offset costs related to the  Affordable Care Act. Protestors are asking Americans to support local pizza chains over Papa John's.

So what do you think? Will you boycott these businesses for their actions against employees and customers? Or you think that small business owners are suffering due to Obamacare? Tell us in the comments.

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Related Topics: Applesbee's, Boycott, Denny's, Papa John's, and obamacare

JoAnn Nicholls

7:16 am on Monday, November 19, 2012

Are you that hard up for nazi commune that you need to try and trash another business because they are making it known, just like you nazis want McDonalds to do with calorie and fat content, the cost of socialized health care???

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edie killmer

5:41 pm on Monday, November 19, 2012

The amount of money he will make by charging 5% on each order is astronomical. On a $10 order he will make.50 cents. IF a server serves 6 meals an hour at an average of $10, he will make $3 (and that's a very conservative estimate). Now multiply that by the number of servers and the 24 hours a day he is open, and he has cleared enough in one day to pay health insurance for all the employees for at least a month! What a rip-off and a very cheap way to blame President Obama for something he will profit from!

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Jamie

2:13 am on Tuesday, November 20, 2012

Edie clearly does not understand how expensive employee healthcare is already for businesses. Good for these business owners, who will hopefully be able to avoid closing down because of the cose of ever increasing government regulation.

And to those who voted for Obama - this is what you asked for. Enjoy it.

Kathy

7:33 am on Monday, November 19, 2012

I wouldn't eat Papa Johns pizza anyway--tastes like cardboard with sauce on it. But if my local pizzeria wanted to add 5-11 cents to the cost of a pizza so that their minimum wage employees might be able to afford healthcare, I would be fine with that. As for the Denny's "surcharge" it is obviously a political statement. Did he add a surcharge when fuel costs went up? When food prices increased? When his property taxes increased? No, I am sure he just covered these expenses by raising menu items a few cents. These histrionics are just a corporate temper tantrum ( and I suspect that Metz and Tankel have healthcare for themselves and their families) and will stop when they realize that no one is paying attention.

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Kathy

7:37 am on Monday, November 19, 2012

And BTW since not all Applebees or Dennys are participating in this little hissy fit, I don't think it would be fair for people to boycott all of these restaurants. These are franchises, and the Applebees in Maryland are not necessarily owned by the same guy who owns these 40 something in NY .

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Jen

8:10 am on Monday, November 19, 2012

Change is difficult for many but hard work, determination, and perseverance are keys to survival. You have to do what you have to do to be in business and stay in business. If changes weren't made then businesses wouldn't have to change. I will support any business that is working hard to hire good workers, keep up with the times, and responsibly and respectfully serve their customers.

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Buck Harmon

8:31 am on Monday, November 19, 2012

So then...Papa John's is making a statement for the people...and the people are paying for it...I'm in.. .

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H.R. Pufnstuf

8:36 am on Monday, November 19, 2012

Just like liberals- focus only on the benefits of a government program (healthcare for everyone- yay!) and be completely oblivious and indeed *shocked* when those programs actually have costs or unintended consequences.

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jeffrey fiske

8:45 am on Monday, November 19, 2012

although we can address the unintended consequences of public health care through democratic processes whereas the unintended consequences of the decisions of private health insurance are most often unrecognized by the public and must just be accepted.

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H.R. Pufnstuf

8:54 am on Monday, November 19, 2012

Jeff, give me an example of an unitended consequence arising from individuals making decisions to purchase insurance (or not)? Your comment makes no sense to me.

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Kathy

9:21 am on Monday, November 19, 2012

H.R. The issue is not that there are unintended consequences from people "deciding" not to purchase health insurance--the few people that are deliberately making that decision should have to live with the consequences. The real issue is that most people who do not have health insurance simply can't afford it (or are unable to obtain it) and so the consequences, intended or not, are that these people do not get care until their situation becomes so dire that they die from preventable diseases, or must use emergency rooms that we, the taxpayers, must pay for, or go to work sick, handle your food, and infect you. Every other civilized country in the world has recognized that health care is a necessity for a productive society. The people who already have health care partially paid for by employers, people who scrimp and save to pay their own healthcare, people in the medical profession who are worried about how their profession will be affected--all of these people are rightly worried about change. I am not crazy about a lot of what is in this new law, but most rational people agree that something had to change with our system. Hopefully the law will evolve and we will adapt, and we will end up with a better system, that works for everyone, not just some.

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H.R. Pufnstuf

9:39 am on Monday, November 19, 2012

Kathy- how many new doctors does Obamacare add? There are three desirable characteristics of healthcare: cheap, quick and good. You can only have two at a time. Obamacare will not change that fundamental contraint. We'll be paying with time waiting instead of dollars.

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Buck Harmon

9:56 am on Monday, November 19, 2012

I would prefer my healthcare to be ..reasonable, efficient and excellent...

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Kathy

9:59 am on Monday, November 19, 2012

If I have to give up one, I would give up "quick." The many people without healthcare would be happy to wait, as long as they eventually get it. BTW, I was once hit by a car in Great Britain, and my care was all three--in fact, they apologized for having to charge me because I was not on the healthcare system, and my total bill was less than my deductible here in the US. If I was uninsured and got a broken leg, I would drag myself to the airport and book a first class fare to England to get it taken care of.

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H.R. Pufnstuf

10:44 am on Monday, November 19, 2012

Well, lucky for you Kathy, giving up "quick" is the decision that Obama has made for all of us.

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H.R. Pufnstuf

11:15 am on Monday, November 19, 2012

Also, Kathy, it's easy to sing the praises of a healthcare system like England's that you don't fully understand. I'm sure uninsured immigrants come to the USA and say "wow, healthcare here is so great. I went to the ER with my broken leg and they treated me and didn't charge me anything."

Buck Harmon

8:47 am on Monday, November 19, 2012

Life in America is nice, but filled with the costs of unintended consequences.
Government does not seem to have the skill developed to avoid them....
We get ample warnings and in this case can make the choice...

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Buck Harmon

8:59 am on Monday, November 19, 2012

I have friends in the medical field with great concern..life changing concern about how the mandatory health care program will play out.... we have seen it coming and hopefully some semblance of good will evolve...
As I understand it, there will be plenty of dancing room if you opt out...

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Kathy

9:25 am on Monday, November 19, 2012

Buck--you are right about the "dancing room". One of the jokes about this whole Papa John thing is that companies are only required to "offer" healthcare--not required to force employees to take it. How many of his minimum wage employees (even the small percentage that DO work over 30 hours a week) are going to be able to take advantage of the plan offered? The penalty for not obtaining healthcare is far less than the cost of the healthcare premiums. And my understanding is that there will be no penalty imposed below a certain income level, which should exempt most pizza delivery people.

Dave Winterling

9:25 am on Monday, November 19, 2012

Someone please explain to me how the Government (that produces nothing) can "take over" one-sixth of the United States economy, add a new layer of Government Bureaucracy, and make it better and cheaper??? Seen the latest RED numbers for the United States Postal Service? These companies are now "revealing" the effects of this horrendous program that will essentially kill jobs, close companies, and encourage physicians to find a new career. The consequences greatly out-weigh the benefits of this Government-run Program.

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Buck Harmon

9:36 am on Monday, November 19, 2012

Corruption seems to prevail at many levels Dave..

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Jackie Schrenker-Case

10:32 pm on Thursday, November 22, 2012

The reason the USPS is in the red is that the surplus money was shifted out of the USPS under the Bush Administration.

George Young

10:32 am on Monday, November 19, 2012

I don't patronize those Dealers anyway; so I won't be boycotting them.

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Frank in Elkridge

10:52 am on Monday, November 19, 2012

Wouldn't it be better if Papa John's and Applebee's just went out of business altogether if they can't afford to pay the various taxes and fees? Will the world come to an end if they suddenly disappeared tomorrow? A lot of people wouldn't even notice for a while...

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John

11:23 am on Monday, November 19, 2012

There's nothing wrong with a business owner explaining to his or her customers why he is raising his prices or to his or her employees as to why he is cutting back on their hours. They need to comply with this additonal law, one amoung hundreds of local, state and federal regulations they must research, understand and apply to their business or face fines or criminal penalties. I, for one, would actually like to better understand why the cost of things that I buy is going up so I can make a better informed purchasing decision.

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Jackie Schrenker-Case

10:37 pm on Thursday, November 22, 2012

Ah, but what is happening is that they are arbitrarily raising the cost and blaming it on Obamacare. Most of Obamacare doesn't go into effect until 2014, meanwhile they rake in the profits...not a new or uncommon business practice, raise the price and shift the blame.....

Mary

11:36 am on Monday, November 19, 2012

I don't buy anything Papa John's anyway, nor go to Denny's or Appleby's. But if I did, I would have to first ask, before ordering, if they are adding surcharges. If they were, I would tell the manager why I was walking out. If they were but don't tell me after I ask, I wouldn't pay the cashier the extra charge amount by paying them in cash. From the get-go, each franchise should make very clear and easy to read, any extra fees and why. I already know there is no truth in advertising, so why help perpetuate their lies and their politics by even wasting my time inside one of those joints?

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Concerned Citizen

2:22 pm on Monday, November 19, 2012

Mary, if every business detailed every single item that went into the price it charges the consumer, you'd most likely be shocked beyond comprehension. Have you every really, I mean really, looked at your phone bill? Do you really understand every single tax and fee listed on it? Do you really want to see that each and every time you pay for a meal, a movie ticket, clothing, etc., etc., etc.?

valeonard

4:15 pm on Monday, November 19, 2012

I intend and have started to boycott them....I will boycott any company that has a millionaire CEO and board....that tries to say they can't pay their employees healthcare....just plain wrong!

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PSJ

4:28 pm on Monday, November 19, 2012

Why are these places charging a surcharge now? I thought the plan won't take effect till 2014. PSJ

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Jackie Schrenker-Case

10:38 pm on Thursday, November 22, 2012

EXACTLY! It is not a new or uncommon business practice, raise the price and shift the blame.....

Rick Jones

4:46 pm on Monday, November 19, 2012

When I go out for a meal, it's not to make a political statement but simply because I'm hungry and don't feel like preparing a meal at home. If the meal is worth the cost, I'll sit down, enjoy myself and not worry about the owners political views or what portion of the price of the meal reflects what government regulation.

Whoever started this little tantrum needs to get life.

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Jackie Schrenker-Case

10:41 pm on Thursday, November 22, 2012

Not a tantrum...it is the American way of non-violently protesting something that one feels is wrong or unjust. Ever heard of the Boston Tea Party? (Do NOT confuse that with the Tea Party of today).

edie killmer

5:41 pm on Monday, November 19, 2012

The amount of money he will make by charging 5% on each order is astronomical. On a $10 order he will make.50 cents. IF a server serves 6 meals an hour at an average of $10, he will make $3 (and that's a very conservative estimate). Now multiply that by the number of servers and the 24 hours a day he is open, and he has cleared enough in one day to pay health insurance for all the employees for at least a month! What a rip-off and a very cheap way to blame President Obama for something he will profit from!

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H.R. Pufnstuf

7:24 pm on Monday, November 19, 2012

Then start your own restaurant brah

Jackie Schrenker-Case

8:17 pm on Monday, November 19, 2012

Edie is correct....the CEO's who are doing this are playing the public who are dumb enough to just follow along. Other than a few things already instated, Obamacare doesn't even go into effect until 2014. Massachusett's already has the equivalent for a number years and its business's are doing fine....

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Kathy

7:00 am on Tuesday, November 20, 2012

The whole system of having employer provide healthcare insurance is a problem--expensive for businesses, and it leaves out the self-employed, and the unemployed, who often can not afford the increasingly expensive health insurance. However, any attempt to change the system, but putting in a single payer system, are met with outraged screams of "socialized medicine!" So all of you who don't like the Obamacare compromise, I wonder--what would your solution be? There seem to be only three options: (1) employer provided insurance with a back up for the unemployed, (2) a single payer system, like they have in Europe and Canada or (3) the current "some people have health insurance and the hell with everyone else" system. (I suppose another option would be to ban insurance except for major medical issues, and force the price of regular care down because no one could afford it, but I think that is unworkable at this point.) The point is, I have heard a lot of people bemoaning the new healthcare plan, but I wonder what their proposed alternatives are? As far as driving out small businesses, this has been prophesied over every regulation ever imposed: minimum wage, 40 hour workweek, end of child labor, non-discrimination, ADA regulations, sales taxes. . . all of these imposed a burden on businesses, but they adapted and survived, or were replaced by businesses that could.

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Buck Harmon

8:33 am on Tuesday, November 20, 2012

Bartering needs to be properly re introduced to society...just to add another very real option...

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H.R. Pufnstuf

8:47 am on Tuesday, November 20, 2012

Kathy, how many new doctors does Obamacare add? I have a hard time believing that existing doctors have the time and resources to treat everyone, but would rather charge "too much" so that only those with health insurance can afford their services. You live in a very simplified dream world, sweetheart. Must be nice!

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Kathy

9:19 am on Tuesday, November 20, 2012

H.R-- So "sweetheart" your answer to the problem is, if people have enough money, they're okay--otherwise, too bad? I still haven't heard one constructive suggestion from you on how to improve the system. Yes there are not enough doctors--the numbers are kept artificially low by the AMA to increase doctor compensation. But don't figure out how to increase their numbers, just criticize and complain. Obamacare not perfect? We shouldn't enact any laws that protect people unless there are absolutely no downsides or ill effects. Don't work to improve it, criticize and complain. Of course, presumably YOU already have healthcare. Must be nice.

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Kathy

9:24 am on Tuesday, November 20, 2012

Buck--bartering would be a good start. I have tried it, but unfortunately no one ever seems to want what I have! A couple of times I have approached contractors who needed my services at the same time I needed work done on my house, but they declined my offer to offset some of their labor costs with mine. (But I kind of like the idea of being a small town lawyer who accepts chickens and crops in exchange for a will--like Atticus Finch. )

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H.R. Pufnstuf

10:09 am on Tuesday, November 20, 2012

Kathy, here's my constructive suggestion: get rid of the AMA and FDA. It's absurd and a waste of a doctor's time that they would have to examine every case of poison ivy (for example) that any nurse could diagnose and treat rather than deal with important problems like cancer. We're trying to give everyone Cadillac healthcare when Honda Civic care is more than adequate in most cases. It's also absurd that the government has to approve medicine that pharma is willing to sell and be on the hook for legal liability for any bad results. Those would make big diffs, Obamacare does none of that.

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Jackie Schrenker-Case

10:37 am on Tuesday, November 20, 2012

HR...nothing simple about it. Kathy has very much put the ball in your court...come up with a better solution other than whining and complaining. You comments indicate that you believe that healthcare should be doled out based on income and ability to get good insurance. You better hope your company doesn't change to an insurance company that chooses not cover a medicine or procedure...don't think it can't happen. Don't think because you have the "top coverage" it will now. Let's see, maybe we should decide how organs are assigned by who has the best credit.....let's see my company has a bigger and better medical plan than your so I am should get treated first in the ER. There is a reason medicine is not practiced that way in this country. We all want the best for our families in a time of need....would it be fair to give liver or heart to a person who still smokes over someone who doesn't just because he can afford to pay for it? It is no different when you suggest that there aren't enough doctors to treat everyone, so we should give to those who can afford insurance.

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H.R. Pufnstuf

11:42 am on Tuesday, November 20, 2012

Jackie, are you reading my comments? I did respond to Kathy with solutions.

To respond to your comment: "We all want the best for our families in a time of need....would it be fair to give liver or heart to a person who still smokes over someone who doesn't just because he can afford to pay for it?"

YES! Of course it's fair for the person who can afford the transplant to get it. Otherwise how do we or who would make those decisions? What is wrong with you?

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Buck Harmon

7:56 am on Wednesday, November 21, 2012

Let me know when you need some work done.... maybe we could create a legal barter brokerage...

Buck Harmon

8:37 am on Tuesday, November 20, 2012

I think many small businesses are in wait at this point...riding the wave of hope that something good might come of things related to healthcare...what other options are there at this point..?

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Buck Harmon

8:38 am on Tuesday, November 20, 2012

Waves do tend to crash on your head now and then though...

Janis Appleton

12:52 pm on Tuesday, November 20, 2012

Hospitals all over the country are laying people off because of Obamacare and the fact that they basically make up for costs by inadequate payment of the hospital and care providers. Great system. So...boycott the hospitals too. Enjoy your "free" health care, everybody!

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Kathy

7:11 am on Wednesday, November 21, 2012

It is not "free" healthcare, it was never touted as "free." It is healthcare--or really healthcare insurance-- we all have to pay for. The bill requires employers to pick up some of the tab, but each individual employee has to pay half (or some proportion). If someone elects not to have healthcare insurance, they must pay a penalty, because (1) if there is no penalty, there is no incentive and (2) people who do not have insurance will go to public hospital emergency rooms and WE the taxpayers will pay for their care anyway--the penalty offsets this. I agree that linking our healthcare insurance to employment is not a good system, but we have already shown that, as a country, we do not want a single payer system.

It all comes down to two different philosophies: people on one side believing that we have an obligation to ensure that all Americans, even the poor, have access to certain basic necessities, including healthcare--people on the other side believing that America means self-sufficiency, that everyone has the ability to "make it" if they only work hard enough, and that all people have an obligation to take care of their own needs. These two philosophies dominate our political discourse right now.

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Buck Harmon

8:12 am on Wednesday, November 21, 2012

Good point, must mean that we are at the place of seeking a way to balance the differences....maybe if more focus were placed on solutions rather than politics, things would begin to move along.... People have to step up with solutions that might make a positive difference....it's the best we can do at this point... screw the massive differences..

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Buck Harmon

8:14 am on Wednesday, November 21, 2012

Time for a third philosophy to enter the arena..

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Jackie Schrenker-Case

10:48 pm on Thursday, November 22, 2012

Hmmm......I have family working in the healthcare system in Boston, you know Romneycare, the model for Obamacare.....I haven't heard of a mass layoff from there. Also, my daughter attends college in MA, if we don't show proof of insurance, we get assessed for it in her college fees....it isn't free....

leon turner

10:50 pm on Tuesday, November 20, 2012

Yes i will. These stupid people who r against the health care act thinks they can't get sick or hurt in an accident. Your health can go at anytime and u would wish u had health care

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michael ely

11:45 pm on Tuesday, November 20, 2012

I think its crazy that people can boycott a company whose gonna be hurting in a little while. All companies are gonna be affected. This wa of thinking that successful people are evil and should have to pay for everyones healthcare. Obamacare is one more reason that the government screws everything up they put their fat grubby fingers in. Obama is rich is he gonna pay for all of his employees healthcare? And why can't we blame obama? He and every other democrat in America have placed blame on everyone else but obama. Guess we can blame obamas 6 trillion dollars in new debt on someone else too.

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Buck Harmon

7:32 am on Wednesday, November 21, 2012

I would tend to agree that the government does not have a very good track record of running it's own systems....or managing other peoples money for that matter...

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Jackie Schrenker-Case

10:59 pm on Thursday, November 22, 2012

Reality check....by corporate standards Obama isn't rich, he will be in time, after he is out of office and starts charging for speaking etc. The salaries of our government officials are pocket change for corporate CEO, Wall Street brokers, etc.... Yes, by middle class standard Obama is wealthy, he admits its...so what? It is all relative....at the moment, he is closer in income to you and I than he is to Romney and his corporate backers.

And you are clueless.....while I may not agree with the Republican platform, I am educated enough to know that they all don't think alike... I know plenty of Republicans who are embarrassed by the Tea Party...should we lump you all into one group...

marko

12:32 am on Wednesday, November 21, 2012

papa johns pizza tastes like after birth on a used diaper. support your local fresh homemade pizza house not a rich douche that bullies his "working poor" help and tells them that they will be fired if the other rich douche does not win.

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Buck Harmon

8:01 am on Wednesday, November 21, 2012

Democracy and majority rule give an aura of legitimacy and decency to acts that would otherwise be deemed tyranny. Most people would agree that having our decisions on what television shows to watch, what kind of car we'll purchase and what we'll eat for Thanksgiving dinner made through the democratic process is tyranny. Why isn't it also tyranny for the political process to determine decisions such as how much should be put aside out of our paycheck for retirement; whether we purchase health insurance or not; what type of light bulbs we use; or whether we purchase 32- or 16-ounce soda containers?...
I'm hopeful that some good will come...in time..

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Kathy

8:59 am on Wednesday, November 21, 2012

Buck, I don't know if it is "tyranny" but it is definitely an insidious paternal and patronizing attitude on the part of government that says "You can't be trusted to save for your own retirement, to purchase healthcare insurance, to wear a helmet when riding a motorcycle, to stop smoking and eating bad foods, etc., so we have to force you to do so." The alternative is to let people live with the consequences of their actions, which I suppose is just, unless we as a society have to pay for those consequences. .Do we have the heart to say, for example "If you want to ride a motorcycle without a helmet, that is your business, but don't ask for government benefits if you become disabled."? Or "You don't have to get health insurance, but we won't treat you if you can't self-pay." Do we let people opt out of social security, and then let them starve when they are old if they have not saved any money? Actually, before Roosevelt and the 1930s, this pretty much was the theory, but I am not sure that we, as a country, are prepared to go back to those days. Granted, it is hard for those who are responsible, who do save for retirement, who do pay their mortgages and health insurance, and watch their health, and try to live "green" to have to pick up the tab for those who don't.

It reminds me of the Bob Dylan line "to live outside the law, you must be honest." Well, to live outside the government, you must be self-sufficient. In both cases, not everyone is.

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Buck Harmon

9:22 am on Wednesday, November 21, 2012

Considering the unbelievable speed at which technology as been developed, I'd have to say that perhaps our current world condition would indicate a need to slow down, take a step back, and re create some of the important things that have been misplaced by greed at every level...healthcare included..

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H.R. Pufnstuf

10:00 am on Wednesday, November 21, 2012

But Kathy, look closely at Social Security. People are relying on it and it is a broke ponzi scheme. The greedy older voters who supported this ponzi all their lives don't want to give it up, and they have no problem having my generation pay into it KNOWING that we will never see a penny from it. That's what happens when you put the goverment in charge of Social Welfare.

c

8:58 am on Wednesday, November 21, 2012

maybe if papa johns would stop giving away free pizzas, they'll have the money to pay for it. by telling the public that they are charging more due to the healthcare laws, this store and every store that says they are raising prices because of the healthcare law are making a political statements. personally, the quality of their pizzas has been going down for me.

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Kathy

2:51 pm on Wednesday, November 21, 2012

You don't "know" that SSI won't be around for you, you believe it, based on what you have been led to believe. Yes, the system will need tinkering (because the govt borrowed against it, which should never have happened) but no one seriously believes we will let it go broke for people who need it. When I was 24 I resented paying for SS because I had better things to spend my money on, and retirement was a million years away. At age 54, although I personally hope I won't have to rely solely on it, I see a lot of people who have nothing else-either because they didn't or couldn't save, or because their savings were wiped out by illness, unemployment or the stock market. By the way, these greedy voters paid for this allof their working lives. Maybe they can be forgiven for not being willing to let it go, so that the younger generation can have it a little easier.

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H.R. Pufnstuf

5:59 pm on Wednesday, November 21, 2012

Holy disconnected from reality, batman! It's a numbers game, Kathy. SS is broke of cash already. That's partly why Obama needed the debt ceiling raised so bad, to make SS payments. SS makes life for my generation harder, not easier! We have to pay for these greedy old people and will get nothing in return for it.

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Jackie Schrenker-Case

11:20 pm on Thursday, November 22, 2012

HR....how young are you? I have been hearing them say the same thing about SS for years....I heard it won't be gone long ago....I don't disagree there will are issues that need to be addressed, but it still there. As Kathy stated, I thought and felt the same way too....there has been talk for years about privatizing it and having us invest it ourselves...well we saw what happened to the stock market. I know many people who have the bulk of their saving in a 401k and cannot retire now because they had planned for it to continue to grow....they are still recovering. I can tell you my late husband had his money in it when the stock crashed the 15 or so years ago...he never recovered all of it before it crashed again....I haven't touched a dime of it and it still isn't what it once was....the last I checked it is a little more than it was when he died almost 7 years ago....he would be 60 and if he were alive, he would not be able to even begin to consider retiring on it.

And any older person...a generation beyond mine, will tell you that they saved as much as they could based on what they made....it is just things have gone up so much that over time, they fell behind....bank dividends do not keep up with inflation.
What are you going to do? let them starve?

Any good investor would tell you to divest....so, SS with a 401k is a much better plan than just one or the other.....

Kathy

6:33 pm on Wednesday, November 21, 2012

poor thing--having to give something without the guarantee of getting something in return. Maybe these greedy old people will be good enough to all retire so that your generation can move into their jobs. And if they really care, maybe they will all obligingly die so that you don't have to worry about their healthcare, social security payments, voting records, taking too long to pay at the supermarket. . . . Anything to make life easier for your generation.

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H.R. Pufnstuf

7:01 pm on Wednesday, November 21, 2012

Kathy, don't be arrogant. If I was voluntarily making SS payments, that would be one thing. But retirees, you and other supporters of the SS ponzi are stealing the money from me. If old people are too dumb to save adequately for their retirement, health care, food or whatever, that's not my problem. They can have welfare and food stamps if they need it, but the SS ponzi is a terrible idea that will screw lots of people when it goes belly up.

Kathy

7:37 pm on Wednesday, November 21, 2012

I assume that you are in your mid-20s? A lot can happen to people, even those who are doing everything right and working hard and saving their money. You should copy this conversation and look at it again in 25-30 years, I wonder if you will still feel the same.

Happy Thanksgiving.

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H.R. Pufnstuf

8:32 pm on Wednesday, November 21, 2012

No, past 20s and making enough where I don't appreciate subsidizing greedy older people who should have private savings. Again Kathy, try and comprehend this: SS is not welfare or food stamps. It is a theft from one generation to give to another. I don't understand why you are struggling so hard to grasp that fact.

Liz G.

7:53 am on Thursday, November 22, 2012

I support the small business owners who have to do this. If they have to pay for affordable insurance for their employees and they are struggling to eek out a living in this economy, so be it! Obama not going to subsidize these businesses to help them out! Everyone has a right to health insurance, if they want it, but in order for it to be "affordable", someone has to pay for it. Unless we get the rich tycoons to help out, it will come out of everyones pocket eventually!

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Buck Harmon

8:10 am on Thursday, November 22, 2012

There are MANY variables associated with the cost of healthcare...all of them tend to drive the cost up for everyone, no matter how it's paid for.
We need to focus on healthcare options that will actually reduce some of the out of control...greed driven costs. Americans seem to blindly follow government run programs for some reason, public apathy perhaps, but I am of the belief that each individual has to become more dependent and responsible for their own financial life and less dependent on government run programs of any sort...the system seems to just move human beings through without concern for quality of life at any age...like herding cattle from pasture to pasture...we need to be the creators of our own life quality...no amount of government managed money will ever do that for you.

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Jackie Schrenker-Case

11:26 pm on Thursday, November 22, 2012

We already do...why do you think hospital care, etc. cost so much? We already underwrite those costs. With affordable healthcare, people will be able to get the care they need before it becomes critical and necessary to go to the ER or be hospitalized, thus costing less. If a person gets preventative healthcare, or early intervention it is much less expensive. Basically it is pay now, or PAY LATER!

Kathy

8:24 am on Thursday, November 22, 2012

Yes, anyone who has ever spent time in a hospital, or watched a loved one there knows that medical care has become so technical and impersonal. the emphasis is on extending life instead of improving quality, treating symptoms instead of causes, and everyone is a product to be repaired rather than a human. It is demeaning, and the high costs and high profits of healthcare push that.

And each individual SHOULD responsible for their own financial well being, anyone who can should be saving for retirement, have an emergency fund, have health insurance--but I have seen people who worked and saved all their lives and then, through no fault of their own, lost everything. A lost job, an illness or injury, and eventually their savings are gone, their house is gone, and they are living in their kids basement or worse. People think it can never happen to them, that these "greedy old people" were too dumb or careless to plan ahead--it makes them feel better to think "That can never happen to me, I am doing everything right." No government can do it all for you, but no amount of individual planning can insulate you from needing help. Are we going to be a nation that lets everyone sink or swim on their own, or will be all work together to build lifeboats for all? I think that is the fight currently going on for our nation's soul.

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H.R. Pufnstuf

4:05 pm on Thursday, November 22, 2012

But luckily Kathy, Obamacare magically creates a bunch of new doctors to treat the poor. Oh, wait....

Your worldview is alarmingly simplistic.

Jackie Schrenker-Case

9:14 pm on Thursday, November 22, 2012

HR.....There is nothing wrong with me; however, from your comments I gather you live is a relatively sheltered world in terms of not being hit with much of life's unexpected twists and turns or you are just yanking my chain.

The medical community does not determine who gets a organ by who can afford it, that is considered unethical. It is determined by a number of factors, not who can bid the highest to get it. When is comes to paying for the procedure, that depends on insurance and ability to pay and which hospital you are in. I am not sure exactly how it works, but there are hospitals that cannot refuse patients. I am not sure if it is just in their ER or for any reason. I believe the founders wrote it into the original charter for Johns Hopkins Hospital as did other medical institutions. They has considerably more forethought and heart to realize that to leave it to those making purely financial decisions with respect to medicine and the treatment of patients. They realized that, to remain a top leading medical institution, it must makes its decision by those in the medical community guide by ethics, not dollars. JH is the leading hospital in the country.

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Jackie Schrenker-Case

9:46 pm on Thursday, November 22, 2012

It is very obvious you have not been faced with the kind of decisions that would turn your stomach to have to make....I have. I have seen friends who have had children born with severe medical issues that wasn't fully covered by their insurance. When the mother became pregnant with her second child, the company promoted her husband, then canned him shortly thereafter saying that he couldn't perform his new duties. It was quite apparent that they canned him to because she was pregnant and they feared another child with similar disabilities and/or issues. So, there was my friend, uninsured and pregnant. While her husband wasn't the brightest, they underestimated my friend who did the research and called the insurance commissioner and file a complaint...the company was force to cover her pregnancy.

My father worked his whole life, he worked during the years of child labor, he worked until he was probably close to 70. He worked and contributed his whole life. He was a WWII veteran, a police officer in Baltimore City, salesman, and small business owner in his later years. Our insurance was through my mother's work, until she died....I was 16. I am not sure what was offered through his sales jobs, but it wasn't as good as what my mother carried through C&P (now verizon) and I just know when he was a small business owner, he could only afford private catastrophic medical insurance and was always worried something would happen. He didn't slouch, he worked hard, long hours...

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Jackie Schrenker-Case

9:59 pm on Thursday, November 22, 2012

.... I had just started working and I had great insurance.....how is that a fair system?

Last comes my reality....my late husband and I always carried the top insurance that we could get....I still do. I pay top premiums to have choices of doctors etc. When he was ill and receiving his first radiation treatment, the nurse informed me that they were still waiting to get clearance for a drug that would help him better tolerate the radiation. I wasn't worried, I had top BC/BS....she then told me it didn't matter, some of the best policies don't always cover things. My heart sunk. I then said, well we will have to pay for it out of pocket and I asked how much it would cost. She said it was $1000 per shot and he needed two shots per treatment. I was stunned, he required 35 treatments....I wasn't sure if it would be $35k or $70, but I knew we couldn't afford it. I would have been willing to mortgage the house to the limit etc, but I couldn't. I had a 14 year old daughter to raise, and more than likely alone. He has stage 3B lung cancer. On the drive home, I had to tell him about it....he said we can't afford that...I said I know. I literally (in the true meaning of the word) felt like I would vomit. I was devastated, we had paid for the best...how could I be faced with these choices? When we received word that BC/BS would cover it, while relieved for the moment, I was still very upset that there were others who weren't as lucky as us....how could that be?

Jackie Schrenker-Case

10:24 pm on Thursday, November 22, 2012

I learned a lot over the next month about medical insurance and it scared the hell out of me. When he advanced to stage 4, we went to find out the latest experimental drugs and/or studies. There was an approved chemo drug for certain cancers that was promising for lung cancer, his oncologist wanted to use it for him but he would have to appeal to the insurance company...in the meantime he continued with what was already available....months later it would be approved for lung cancer patients and would have been approved for my husband, but by then it was too late. In that case, the choice of treatment was not up to my husband and his doctor, but the insurance company. I will never know if that drug would have given him a little more time or not had it been given to him when the doc first want to use it, but the decision should have been his. We paid for the insurance, it was an approved chemo drug for other cancers and currently under study for lung cancer. So.....when you question someone, be sure that you know of what you speak, you don't. You are obviously have not lived enough of life to know. Someday, the time will come when you face something such as this, a child, a close friend, or a parent....your will then look back and realize how little you do know, then hopefully, the light will go on and you will understand that this is all much more complicated than you think or "the bottom line" costs indicate.

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Buck Harmon

10:37 pm on Thursday, November 22, 2012

Thanks for sharing Jackie...there is no illusion to reality..

Jackie Schrenker-Case

12:24 am on Friday, November 23, 2012

The reality is I made some of the same stupid statements when I was young and had yet to be face with much of life. When I was in my twenties, I said if they work and choose not to get insurance, then forget it. I said it after a story of a man who was in ICU, who was hit on a motorcycle and was not wearing a helmet, and uninsured. My feeling is he was selfish by not paying for insurance and for choosing not to wear a helmet. My older brother asked what were they to do? let him die? I paid my health insurance, why should I pay for him so he can spend it on what he wants. My brother, pointed out that i don't know this man's circumstances...maybe he does work, maybe he was just laid off, maybe he doesn't clear enough to afford both health insurance and food....I didn't agree, but I guess it sunk a little because I remember the conversation.

As I experienced life, my views have changed. I learned that the things that seem simple are often much more complicated than we realize, and sometimes vice versa. I learned not to judge so harshly as, all but for the grace of God, there go I.

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Kathy

7:39 am on Friday, November 23, 2012

Thanks Jackie. There are no easy or simple answers. All we have is the opportunity to decide how we will act. No one likes taxes, but I want myself, and my country, to act with common decency towards those less fortunate, and I am willing to give up some of my earnings for that goal. I don't feel victimized or stolen from, I feel proud to live in a country where I am asked to contribute something towards the common good.

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Jackie Schrenker-Case

8:45 pm on Friday, November 23, 2012

Agreed. I have felt the same...I did years ago when all of this was an issue under Reagan. The major difference between then and now was the Republicans were saying the deficit was not a big deal and the Dems were yelling that we were leaving our children in too much debt.

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Kathy

9:23 pm on Friday, November 23, 2012

That's internet shorthand for "too long, didn't read." In a world where everything is supposed to be in quick, simple sound bites, some people use that for anything longer than a tweet. :-)

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Jackie Schrenker-Case

9:48 pm on Friday, November 23, 2012

Of course you didn't, it takes effort to educated yourself and to form an informed opinion. That is the problem, everyone wants short, quick answers and sound bites that can fit on a computer screen. The computer is a double edge sword when it comes to communication....we now can communicate with thousands of people instantly but our attention spans have diminished which limits our greater understanding of things.

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H.R. Pufnstuf

3:19 pm on Saturday, November 24, 2012

Jackie, I'm happy to have a discussion using logic and reason. I don't have all day to read your anecdotal stories and emotional pleas.

For goodness sakes you can't even google "tldr" to find out what it means.

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