leh-nerd skin-erd

You b@stard.

EARMUFFS 3rd!! You’re correct of course but if Tibsy’s mom walks by and sees that sort of language we’re all going to be in dutch. KRC, not accurate at all. For all the knocks the American insurance model takes—many appropriate from a service/expectation model—it’s fundamentally a risk transference model. You, individually are not paying for other people—that’s assumes you have no stake in the game and no opportunity to avail yourself of benefits in the event of a loss. You’re part of a much larger group that shares risk based on individual characteristics in relation to the whole. It took me a long time to get here—and a healthy debate on cost, benefits, regulation etc is always welcome here—but the reality is that our system does not work without risk transference/risk sharing. Let’s assume you’re a pristine credit guy, married or civilly partnered with a like-minded spouse interested in buying a new car and a new house in 2020. Total outlay is $400,000, You certainly have the option to purchase both on a cash basis and avoid most of the insurance trap altogether. Legislatively, in most states anyway, the only requirement is that you own a liability insurance policy (and maybe carry some medical coverage) that has been deemed to be in the public interest. Again—we can debate whether or not that should be mandated, but the theory seems to be if you cross the double yellow line and hit me, seriously injure me and total my car, the choices for me are...self-fund my own recovery, try and recover from you or become a burden in others, In the alternative, you choose to put your good name on the line, borrow from a bank to assist with some of the $$$, and M&T offers to lend you the money. Heck, they’ll give you a good rate based on your ability to manage household expenses (much better than the next guy in line, your old pal Leh-nerd a career ne’er-do-well who’s father-in-law correctly suggested would never amount to anything back in 1988) and they’re happy to do it because—hey, you’re fun to be with. It’s you, Mrs. KRC and off you go....except: As good as you are, bankers are dispassionate souls. They recognize the risks inherent in lending money to even nice folks like you. Electrical wires arc and burn $&#@ down. Pipes break. Dipshits like your old pal Leh-nerd spill coffee on their speedo spot and veer into your lane. The problem is solved by shaking your hand and asking you to do just a bit more and insure their interest. Apologies for the tangent, I’m off to buy insurance on a rental property I’m buying. It’s my first at age 58, and brother, I’m insuring the crap out of it. Peace.

Great posts, but I disagree on your ACA analysis in part. I’ve mentioned this in the past, and I’ll add it again here. There is an actuarial approach to calculating the true cost of benefits offered and provided by a redistributive scheme like Obamacare, at least with some degree of reasonable accuracy. The same approach can be applied to programs like Social Security, Medicaid and Medicare. Heck, I’m half-convinced that @RealKayAdams could get the job done if we put her and all the friends milling about in her head on the case. The challenge is that the cost to carry the burden would be neither attainable nor sustainable. The concept is a pipe dream, a pyramid scheme and simply a push towards nationalized health care, where the projection is that the hundreds of thousands of jobs/lives impacted in the move away from private health care models (those also regulated and manipulated by governmental intervention) will simply be absorbed by a low-cost model staffed by state/federal employees. That the governmental model will also be a pyramid scheme, and result in a product that is neither low cost nor actuarially sustainable is irrelevant to those who favor this model. I also read RKA’s posts and follow 75% of it (that’s a concentration issue on my part, not a reflection on the post), and in turn simply offer that the model proposals discussed are simply the latest iterations of wealth redistribution models wrapped in the same fear and guilt mongering that has moved the masses for thousands of years. I am a realist, consider taxation an obligation of every patriotic American, believe in doing my part to be a sensible steward of the environment, but excessive taxation and ceding control to activist politicians and b’crats is not my particular cup of tea.

The concept of “July” is rooted in the tyranny of a patriarchal European Judeo-Christian society. It’s oppressive, manipulative and as I am running out of words to express my outrage, whimsical. Unfortunately, the Fahrenheit methodology is as well. The whole concept of weather is felonious and when you think about it, bodacious.

Yes.

It's not about you and your kids, it's about the collective. My children are grown and out of school btw, and are independent thinkers. I'd always warn them about folks like you are about labels and shaming people for having an opinion. #suffragebro

Heywood Jablomey

Not personally. Joe is just the infrastructure guy.

Question 7. Why are there 47 layers of complexity filtered through 13 layers mental health subsets and and 7 emotional appeals applied to the question of “How will schools reopen safely” and yet the extraordinarily complex Society/Law Enforcement conundrum can be boiled down to cops bad/defund the police/burn some cities?

Well, I tried to stay out of this due to the potential for misunderstanding, but I jumped in. Your original thread is titled "...might as well talk about it", so I did. Why on earth would you assume I was suggesting you were inappropriately involved with a student? I referenced a favorite coach/PE teacher from a couple years before you were born as a role model and whom I viewed as a stand up guy. I'm nearing 60 and I still value the lessons learned. My only point was reflecting in the moment that the stand up guy may have known about the other coach and his inappropriate relationship with female students. That has no reflection on you, may well be superfluous but how you jumped from one point to the other amazes me. It also is the sort of thing that makes me think you take things, you know, personally. As for the paragraph as a whole, I was simply pointing out that while you seem to view things from the perspective of a teacher intent on doing valued work with students, many members of the community you serve likely view you as provider of service. In other words, while you (not me) characterized yourself as a glorified babysitter in the eyes of some people...in a sense, you are. ***Transpy, I am not one of those people, I value my relationships with my friends that are teachers, respect what a good teacher brings to the table***. The service provided is education. The education takes place at a HS, Middle School, Elementary school at a designated place and time. Members of the community rely on the service provided, as outlined, based on the $$$ paid. They plan around it, work around it, and in many cases sacrifice and work to end up in a particular district. That perception drives the reality and the expectation that you and yours should be open for business. Don't shoot the messenger (schools are gun free zones). Cradle (from the first days of employment) to grave (literally) benefits and entitlements are part of the process in many states--I referenced NY because that's where I live, and in fairness, your thread title didn't specify "Hawaii Only". The perception that teachers are well-compensated relative to occupation, enjoy a gold standard benefit package, retire at a relatively young age (55-59), while the taxpayer is 'encouraged' to work to 70 is a thing whether you want to address it or not. That matters in this thread because the perception drives the reality that you and yours should be open for business. Don't shoot the messenger. Thank you for the additional information on your HS years. I didn't play the bassoon, but you raise an interesting point. There are people that you serve who might think....my school tax is $8k per annum, why the %$#@ do we need a Wind Ensemble teacher banging down $100k+, with a health care package that likely equates to $10,000 per year, who will retire at 59, live to 88 and become, in essence a multi-millionaire pensioner. ***Transpy, I believe in the arts and sports programs--at least to a point. The system is what it is, and it seems silly to debate it--but it's one of the reasons the expectation is that you and yours should be open for business. Your answer, of course, is BECOME A TEACHER!, and that's fine and fair to a point, but that is not the point. Perception that a teacher can make $100k per year (20 years ago) to instruct a bunch of pimply faced high school students in Johann Sebastian Bach's "Fugue in F minor" drives reality that you and yours should be open for business. As for ESL teachers, you used the word 'valuable'. The flip side of assimilating into our culture and the relative value of same is that it's an expensive proposition. It seems logical to me that the cost of assimilation should be borne by the person looking to assimilate. I see the value, I simply don't see why it's my responsibility to fund it. Be that as it may.. This perception can drive the reality that you and yours should be open for business. As for money being 're'allocated, it seems to me that industry as a whole seems to be finding the work from home model far less expensive than the traditional model. I'm not talking about finding money for other projects, I'm talking about a straight up cash refund to tax payers. The savings must be substantial. It'll never happen--they will find a wway to spend it, but then again, that drives perception that people should be getting what they paid for--in school learning. Finally, I want some damn credit here. I typed a lot of words, and not once--not one damn time did I imply that your cougar female wind ensemble instructor offered a young and impressionable Transpy midnight finger placement lessons--but I was thinking it.

This is all very real to me.

Come on Cray, braggadociousnessicity is a fool’s game. If you’re getting an award, take the high road. I didn’t go on about the fax I received just the other day, where I shall act as an emissary between the relatives of a certain Dead prince and the international banking cabal. When I lock down a cool £10,000,000, it’ll be catch ya later numbnuts! (can anyone in your practice tell me how much an £ is in US currency?)

You really have some issues with parents, Transpy. Between that and the “glorified babysitter” issue I really wonder how you’re coming off to parents. I think part of the challenge is that you view your commitment to teaching as your noble calling. I can respect that, and if you had a teacher who inspired you to pursue your passion, that’s awesome. I had some great teachers, some not so great ones and many sorta in the middle. The biggest impact in my life was from the coach of one of our sports teams, a good guy who cared an awful lot about the kids and doing the right thing. Though many years later we found out that one of his associates was messing around with at least a couple students, and you have to wonder how he let that happen if he knew. The rumor always circulated about the bad coach, and my family is large so we can look at the same rumor over a decade plus. Many people probably view it more as a vendor/service model, where they pay xxx and the school is expected to deliver yyy. NY specific—-When you factor in mandatory participation for life (or as long as you own your home), the perception that the cost is unreasonably high, the budgeting model murky at best, and the impression that teachers make substantial money with cradle to grave entitlements, why would you think your consumer would not expect or demand an exceptional product? I’ve come to the conclusion that education is just another corporate model. There are winners and losers. If your child is lucky enough to have a series of Transpy or Buffalo T type teachers, maybe you view it as worthwhile cost. If not, if your child experiences apathetic teachers, or teachers who aren’t organized or otherwise very effective, you probably think it’s substantially overpriced. At the end of the day, teachers protect teachers and operate in their best interest more often than not. That’s understandable, but let’s not kid ourselves that part of the allure for many teachers is stable employment, good pay, good benefits and (in NY), a very generous pension that is offered far, far too early to make any reasonable sense to those outside who help to fund it. A few years ago, our district was appealing for 4 additional ‘English as a second language’ teachers. I understand that you may think there is value there, I personally did not. A couple years ago, our district was looking at a $44,000,000 bond (on top of the $110,0000,000 annual budget) to upgrade facilities, new roofing on a couple of the buildings, a new computer lab so we could be “state of the art”, etc. However, the actual need was for $35,000,0000....the other $9m was a fudge factor “just in case”. Interestingly, the plan was for the district to just use the extra $9,000,000 for whatevs the district decided in the likely event it was not needed. The bond was rejected, the superintendent sent out an email complaining about the last minute disinformation campaign that mischaracterized the slush fund. IMO, it’s that type of institutional arrogance (admin, not teacher) that drives some of the push-back you likely receive. As @Chef Jimboyardee stated earlier, for most of us, push back is just another day at the office. Btw, again, NY Specific...I’m wondering what is going to happen to the $$$$ allocated to services and busing that obviously have not been used. According to our superintendent, facilities costs/busing are a HUGE cost to the taxpayer. That money should be refunded, or at least a detailed accounting should take place so it doesn’t disappear into the netherworld, like the $9m that was going to be gobbled up. In the end, don’t take it so personally.

What's motivating many dems is voting in an establishment candidate, the soft racist, the guy old enough where they can suggest his patented sniff n' cup mechanics are just signs of affection (for people he doesn't know), who are comfortable with only one major sexual assault complaint against a throw away victim, and who when he suggests that the police are the enemy they think/hope/pray he's just playing for votes and the status quo remains, at least in their community. When he famously espoused fears of his people attending schools in a jungle, they knew what he meant and trust he still means it. Many dems want a return to the "old days"?. (The emoji used was intended to signify the familiar wink exchanged between people with similar mindsets demanding progress and change as long as their particular situation remains the same as it was in 1975. No emoji was harmed in the production of this post.)

My God--it's the mahafahkkin swiss army knife of words.

Indeed.* I don't understand why Mr. Kemp doesn't understand this. Personally, I'd have loved to see Barrack Obama release his college records. If there was nothing to hide, he would have. Or, not. But maybe. Mr. Kemp wants everyone else to do his heavy lifting. That is an unreasonable request imo.

You're the man with experience as a law enforcement agent, I'm just a guy on the street reacting to what has been suggested my Mr. Kemp. Can't we already assume that Mr. Kemp's failure to publish his returns voluntarily is, indeed*, substantial evidence of wrongdoing? *I added the "indeed" for effect. @Koko78tells me that when you add it to your repertoire, your summation gets suspersized and is nearly bulletproof.

Your musings on my intelligence is relevant only with respect to the much larger picture: you’ve bought the narrative that Trump appeals only to voters that are uneducated and as you so eloquently stated “the poorly educated”. Here’s my read on you: You’re angry about something in your life, you feel you’ve gotten a raw deal, you feel like people less qualified than you have benefited from the system and as a result, project your own insecurities onto others. As a result, you’re easily manipulated because you react emotionally, and the only logical conclusion is that by extension, the 60,000,000+ citizens who voted for President Trump must be deficient in some way relative to your own soaring intellect. Yet, you’ve personally had nearly 5 years to formulate a thought process on what might be revealed on the Trump tax return(s), to consider the historical relevance of data gleaned from published tax returns, and so far you’ve offered up: 1. there may be data reflecting an “indictment” of DJT; 2. the returns may show “nothing bad to see”; 3. the release of the returns could result in a “game over” moment for DJT; 4. that innocent people should be required to submit to the collective or be judged guilty default; 5. that the regulatory authority charged with reviewing, accepting and/or auditing the return is, in this case only, deficient or inadequate to pass judgement on the submission; To summarize in terms you MENSA types can process, I think if there is bad stuff to see on a candidate's return, it’s the job of the tax return reviewer people to find it.

The first three sentences you wrote make me think you actually believe what you’re saying, even though you’re not really saying anything that makes any sense. Your last sentence sounds an awful lot like something this guy might say:

Thanks.

You should vote for someone else.

What do you think it is, this hidden information shared with the largest tax collection authority in the world? And where do you think he's hidden it? Where would you start looking?

You confused me when you said that President Trump's tax returns might show "he committed fraud on taxes, insurance etc." Then a couple posts later I see you confused yourself. All is right in the world again.

Yes, the point of the meeting was to search employee records to develop a list of individuals by skin color, notify them of a mandatory training designed to illuminate them on the harmful and destructive nature of said skin color, and suggest they contribute to the greater good by remaining hyper-vigilant on how white they act, speak or think. I think everyone can benefit from an old fashioned emotional cleanse at work, and yes, this certainly feels like equality.

Also known as “Frog Whistles”.