The majority don't have more cars than people, but I don't know any in my area that has fewer cars than people, only the same or more.
Some people it's sports cars; some people they have a somewhat nice car they drive in summer and a beater for winter; some people it's recreational whether its for offroading, racing, RVs, etc.; some have a commuter car and a regular car; car or two at their summer home; etc.; etc. Then there's vehicles they have due to any work or business they're involved in, but I didn't include those. This tangent is a little too far out, so any further replies on this, please direct them to me offlist. ----- Mike Hammett Intelligent Computing Solutions http://www.ics-il.com -------------------------------------------------- From: "Josh Luthman" <j...@imaginenetworksllc.com> Sent: Monday, December 07, 2009 9:33 AM To: "WISPA General List" <wireless@wispa.org> Subject: Re: [WISPA] health insurance > Why would the majority of individual people need multiple cars? > > I can see a family of 3 having 3 cars. > > I can see a worker needing a car to get around and a van/truck for work. > > But I can't see random Joe (like me) needing a second vehicle. Or are you > including company owned vehicles? > > Josh Luthman > Office: 937-552-2340 > Direct: 937-552-2343 > 1100 Wayne St > Suite 1337 > Troy, OH 45373 > > "The secret to creativity is knowing how to hide your sources." > --- Albert Einstein > > > On Mon, Dec 7, 2009 at 10:31 AM, Mike Hammett > <wispawirel...@ics-il.net>wrote: > >> Well right, but a vast majority of people that live outside of Chicago or >> St. Louis have one or more cars per person because that's what it takes >> to >> participate in society (work, school, food, etc.). >> >> >> ----- >> Mike Hammett >> Intelligent Computing Solutions >> http://www.ics-il.com >> >> >> >> -------------------------------------------------- >> From: "Blake Bowers" <bbow...@mozarks.com> >> Sent: Monday, December 07, 2009 9:07 AM >> To: "WISPA General List" <wireless@wispa.org> >> Subject: Re: [WISPA] health insurance >> >> > In IL, like Missouri, you are only required to have that insurance >> > if you own/operate a vehicle. >> > >> > There are LOTS of people out there that don't. >> > >> > In the US, if they have their way, I will be required to have insurance >> > period. It does not matter if I am self pay, never not payed, and >> > am happy with that. >> > >> > >> > Don't take your organs to heaven, >> > heaven knows we need them down here! >> > Be an organ donor, sign your donor card today. >> > >> > ----- Original Message ----- >> > From: "Mike Hammett" <wispawirel...@ics-il.net> >> > To: "WISPA General List" <wireless@wispa.org> >> > Sent: Monday, December 07, 2009 8:41 AM >> > Subject: Re: [WISPA] health insurance >> > >> > >> >> In Illinois you are required to purchase auto insurance and you will >> >> get >> >> fined, and I believe ultimately jailed if you continue to ignore that >> >> mandate. They don't provide it, but you are required to carry a >> >> minimum >> >> liability. It is at the state level, where it should be instead of at >> >> the >> >> national level. I don't care that Massachusetts has state run public >> >> healthcare because I don't live there. >> >> >> >> I'm sure someone will complain about being a political discussion, but >> >> health insurance and how the government treats it is very important to >> >> any >> >> business. >> >> >> >> >> >> ----- >> >> Mike Hammett >> >> Intelligent Computing Solutions >> >> http://www.ics-il.com >> >> >> >> >> >> >> >> -------------------------------------------------- >> >> From: "Brad Belton" <b...@belwave.com> >> >> Sent: Sunday, December 06, 2009 10:26 PM >> >> To: "'WISPA General List'" <wireless@wispa.org> >> >> Subject: Re: [WISPA] health insurance >> >> >> >>> The auto insurance vs. health insurance comparison is a flawed >> argument. >> >>> The government doesn't force you to buy auto insurance if you don't >> need >> >>> it. >> >>> The government won't fine you and ultimately put you in jail for not >> >>> buying >> >>> auto insurance from them if you don't need it. >> >>> >> >>> Our government is proposing law that will enable them to fine and >> >>> ultimately >> >>> put you in jail for not buying health insurance from them. They are >> >>> taking >> >>> your freedom of choice away from you and forcing you to buy something >> >>> from >> >>> them at a price they see fit and with a level of service they see >> >>> fit. >> >>> >> >>> Big difference. >> >>> >> >>> >> >>> >> >>> Brad >> >>> >> >>> >> >>> -----Original Message----- >> >>> From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] >> On >> >>> Behalf Of Ryan Spott >> >>> Sent: Sunday, December 06, 2009 9:50 PM >> >>> To: nsto...@wisperisp.com; WISPA General List >> >>> Subject: Re: [WISPA] health insurance >> >>> >> >>> "My wife is from South Africa where they have a public health care >> >>> system. >> >>> One of the fastest growing industries is private healthcare. If you >> >>> want >> >>> better service or do not want to wait in huge lines or want to go to >> the >> >>> newest hospitals you pay extra to visit the private services." >> >>> >> >>> That sounds awesome.. Now. where do I get BASIC health care? Cause I >> >>> am >> >>> tired of being terrified that BASIC health care will put me in the >> >>> poor-house. >> >>> >> >>> I volunteer as a firefighter/paramedic.. I am tired of patients >> >>> (sometimes >> >>> in horrific car accidents) that ask me to NOT take them to the >> >>> hospital >> >>> because they cannot afford it. Imagine looking down on someone that >> >>> you >> >>> just >> >>> extracted from a car wreck and have strapped to a backboard begging >> >>> you >> >>> to >> >>> let them up and let them out because of the financial burden of going >> to >> >>> the >> >>> hospital. >> >>> >> >>> I am more than happy to pay for "extra" medical services. Whatever >> those >> >>> may >> >>> be.. Heck, I can even buy more insurance if I need to. I buy extra >> >>> insurance >> >>> riders for my car to cover me when I am driving on private >> >>> forest-lands >> >>> on >> >>> top of the mandatory insurance needed for my vehicle. >> >>> >> >>> Why are we not having a discussion regarding required insurance for >> >>> vehicles? Aren't you just as p-o-ed that you are required to "pay >> >>> that >> >>> extra >> >>> tax" to drive your car? >> >>> >> >>> Again.. need more sleep, less coffee.. Sorry to rant so much... >> >>> >> >>> ryan >> >>> >> >>> On Sun, Dec 6, 2009 at 7:09 PM, Nathan Stooke >> >>> <nstooke...@wisperisp.com>wrote: >> >>> >> >>>> Hello, >> >>>> >> >>>> I worked on a programming project for one of the guys that >> >>>> started >> >>>> WedMD years back. He was starting another company that worked with >> the >> >>>> insurance flow of paper work. He said several times that 70% to 80% >> of >> >>> the >> >>>> insurance premiums we pay go to the "middle" man and not to pay for >> the >> >>>> doctors services. >> >>>> >> >>>> My wife is from South Africa where they have a public health >> >>>> care >> >>>> system. One of the fastest growing industries is private >> >>>> healthcare. >> >>>> If >> >>>> you want better service or do not want to wait in huge lines or want >> to >> >>>> go >> >>>> to the newest hospitals you pay extra to visit the private services. >> >>>> >> >>>> Thanks >> >>>> >> >>>> -----Original Message----- >> >>>> From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] >> On >> >>>> Behalf Of Faisal Imtiaz >> >>>> Sent: Sunday, December 06, 2009 10:22 AM >> >>>> To: 'WISPA General List' >> >>>> Subject: Re: [WISPA] health insurance >> >>>> >> >>>> Yes, we in South Florida have some of the highest insurance rates >> >>>> (all >> >>>> types >> >>>> of insurance). There are many reasons, non of them that make a great >> >>>> deal >> >>>> of >> >>>> sense to me, but I have heard all kinds of excuses... >> >>>> >> >>>> The original point was, >> >>>> Health Care Insurance is a necessity. >> >>>> Health Care Insurance should be a vital benefit, provided by an >> >>>> Employer >> >>>> whenever possible. >> >>>> Health Care Insurance is expensive.... >> >>>> >> >>>> So, How do you set up this benefit so that it makes sense for all >> >>>> (Employer and Employee). >> >>>> >> >>>> There are a number of very effective ways to do this, rather than >> the >> >>>> drastic options to convert Employees to Contractors... >> >>>> >> >>>> BTW, if you Talk to you Accountant, they will also tell you that >> >>>> simply >> >>>> paying someone on a 1099 as a Contractor, does not make them a >> contract >> >>>> employee.... There are other 'litmus' tests used to determine the >> exact >> >>>> status, in-case someone challenges the status quo. >> >>>> >> >>>> >> >>>> Faisal Imtiaz >> >>>> Computer Office Solutions Inc. /SnappyDSL.net >> >>>> Ph: (305) 663-5518 x 232 >> >>>> -----Original Message----- >> >>>> From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] >> On >> >>>> Behalf Of Travis Johnson >> >>>> Sent: Saturday, December 05, 2009 11:06 PM >> >>>> To: fai...@snappydsl.net; WISPA General List >> >>>> Subject: Re: [WISPA] health insurance >> >>>> >> >>>> Ahhhh... now we know.... it's Florida that is causing everyone >> >>>> else's >> >>>> insurance rates to go up... :) >> >>>> >> >>>> We pay about $700/month to cover an entire family (this is just >> >>>> health >> >>>> insurance, the dental and vision is extra). >> >>>> >> >>>> Travis >> >>>> Microserv >> >>>> >> >>>> Faisal Imtiaz wrote: >> >>>> > As a business owner, in Florida, where the Health Insurance is one >> of >> >>>> > the highest in the US, we have seeing 15-20% increses every year >> >>>> > for >> >>>> > the last few years. >> >>>> > >> >>>> > It is nice to see that you offer 100% health insurance coverage >> >>>> > for >> >>>> > all of your Employees, where the company is picking up the Tab for >> >>>> > the >> >>>> > Insurance Premiums. >> >>>> > >> >>>> > Simply for the sake of my understanding, why would you choose to >> >>>> > >> >>>> > " force us to go to a subcontractor type work-force (at least for >> >>>> > 5-10 of our current employees) to get us under the 25 employee >> >>>> > limit >> >>>> > and >> >>>> ..... " >> >>>> > offer less benefits for everyone in the company " >> >>>> > >> >>>> > At the end of the day, $412 / employee is not a whole lot of >> >>>> > money, >> >>>> > especially when you are talking about a benfit like Health >> >>>> Insurance....... >> >>>> > If you are looking to have some means of off-setting the >> >>>> > additional >> >>>> > $$$, would'nt it me easier and better for everyone if you reduced >> >>>> > your >> >>>> > Company provided 100% coverage to let's say 90%, and have the >> >>>> > Employee >> >>>> > pay the other 10% ? >> >>>> > >> >>>> > >> >>>> > What are your current costs for Health Insurnace ? We are seeing >> >>>> typically >> >>>> > $300-$400 / month for a single male, and $1300-$1450 /month for a >> >>>> > family >> >>>> > >> >>>> > >From what we have been seeing in the last few years, including >> >>>> > >our >> >>>> > >present >> >>>> > coverage increase (approx $8100/year for 3 families)... $412 /year >> >>>> > increase would be a Blessing and a Christmas present... >> >>>> > >> >>>> > ------------------- >> >>>> > >> >>>> > Just a thought. >> >>>> > >> >>>> > >> >>>> > Faisal Imtiaz >> >>>> > Computer Office Solutions Inc. /SnappyDSL.net >> >>>> > Ph: (305) 663-5518 x 232 >> >>>> > -----Original Message----- >> >>>> > From: wireless-boun...@wispa.org >> >>>> > [mailto:wireless-boun...@wispa.org >> ] >> >>>> > On Behalf Of Travis Johnson >> >>>> > Sent: Saturday, December 05, 2009 7:50 PM >> >>>> > To: WISPA General List >> >>>> > Subject: [WISPA] health insurance >> >>>> > >> >>>> > Hi, >> >>>> > >> >>>> > What are everyone else's plans if this new health insurance plan >> gets >> >>>> > passed in Congress? We fall in the 25-100 employee category, so >> >>>> > they >> >>>> > are estimating our health insurance costs would go up $412 per >> >>>> > employee for us (we already cover 100% of the costs for our >> >>>> > employees). So, basically this would force us to go to a >> >>>> > subcontractor >> >>>> > type work-force (at least for 5-10 of our current employees) to >> >>>> > get >> >>>> > us >> >>>> > under the 25 employee limit and offer less benefits for everyone >> >>>> > in >> >>>> > the >> >>>> company. >> >>>> > >> >>>> > Once again, it seems our government is stepping in where it >> >>>> > doesn't >> >>>> belong. >> >>>> > Either take over the health care system 100% (including funding >> >>>> > it), >> >>>> > or leave it alone. >> >>>> > >> >>>> > Travis >> >>>> > Microserv >> >>>> > >> >>>> > >> >>>> > >> ---------------------------------------------------------------------- >> >>>> > ------ >> >>>> > ---- >> >>>> > WISPA Wants You! 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