On Tue, 18 Jan 2005 11:18:59 -0600, Gruss Gott <[EMAIL PROTECTED]> wrote:
> 1.) Of the financial crises we face, this is far from the top one -
> Medicare, Medicaid, and health insurance is.

I think this shows a great ignorance of the real problem.  Just
because it not in your face doesn't mean it's a huge problem.

> 2.) The reason we have an issue with social security is because Mr.
> Bush and his republican congress have been raiding the fund at record
> levels for 4 years.  His "CRISIS!" scream is like your child breaking
> open his piggy bank, spending all of the money on crap, and then
> telling you there's a problem with paying for his new bike - he's out
> of money.  If Mr. Bush wants to solve the problem the first step is to
> stop raiding the fund!

Which this sort of partisan bullshit may of may not help you convince
yourself that bush is evil, it has nothing whatsoever do do with the
real problems with Social Security, problems that have been known,
talked about, and well documented WAY before this Bush, or the last.

> 3.) Assuming we think this problem is a priority to tackle, why would
> we reverse the very intent of Social Security: to provide a GUARANTEED
> income to seniors?  Not only would private accounts deplete an already
> depleted fund, it would require people to make investment choices that
> they don't do today!  And the people the MAY benefit from it (us)
> won't know for 40 years if it works.

Guaranteed income of not enough to live on?  Give me a break.

> Some facts:
> 
> * Only 20% of Americans over 50 have more than $100,000 saved.
> 
> * Only 10% of Americans over 50 have more than $200,000 saved.

Sad, but true.  Giving people a false "security" that the government
is going to provide for them hasn't helped.

> * The average savings rate of all Americans is less than 1%.

See above.

> * In the years between 1964 and 1974 equity markets lost ~35%.

You show be someone who retires after 10 years and I will show you the
tooth fairy.  Stocks are a long term investment.  Show me the worst
historical return over 40 years, the current expected working livetime
of an American paying into SS, and I will show you a rate of return
MUCH better than you'd get with Social Security.

-Cameron

-- 
Cameron Childress
Sumo Consulting Inc
http://www.sumoc.com
---
cell:  678.637.5072
aim:   cameroncf
email: [EMAIL PROTECTED]

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